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All Journal I-ECONOMICS: A Research Journal on Islamic Economics Jurnal Asy-Syari'ah JIET (Jurnal Ilmu Ekonomi Terapan) Shirkah: Journal of Economics and Business Ihtifaz: Journal of Islamic Economics, Finance, and Banking International Journal of Islamic Business and Economics (IJIBEC) Journal of Islamic Monetary Economics and Finance EkBis: Jurnal Ekonomi dan Bisnis Journal of Economics and Business Aseanomics Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Journal of Islamic Economics and Finance Studies Finansha: Journal of Sharia Financial Management Journal of Islamic economy and Community Engagement Labatila: Jurnal Ilmu Ekonomi Islam JURNAL AGROINDUSTRI HALAL EKONOMIKA SYARIAH : Journal of Economic Studies Journal of Halal Science and Research ITQAN: Journal of Islamic Economics, Management, and Finance IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah International Journal of Islamic Business and Economics (IJIBEC)

Lu'liyatul Mutmainah

Unknown Affiliation

Author-ID : 727343

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 23 Documents Claim Missing Document

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Articles

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The Role of Religiosity, Halal Awareness, Halal Certification, and Food Ingredients on Purchase Intention of Halal Food Mutmainah, Lu’liyatul
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 1, No 1 (2018)
Publisher : Universitas Ahmad Dahlan

Halal becomes the lifestyle of Muslim consumers in the world. As the Muslim population increasing, the awareness on consuming halal food also improving. This paper aims to examine the influence of religiosity, halal awareness, halal certification, and food ingredients on purchase intention of halal food among Indonesian Muslim consumers. Convenience sampling was used as the sampling method of this study. This research consisted of 205 respondents. The data are collected by questionnaire which are analyzed by multiple linear regression. The results of this study revealed that religiosity, halal awareness, halal certification and food ingredients have significantly positive effect on purchase intention of halal Food. This study indicates that consuming halal food is primary need for Muslim. Therefore, company should acquire halal certification in order to provide halal food for Muslim’s needs. This study contributed for the research literature, government, food manufacturers and marketers to develop strategies related with halal food.

The Impact of Good Corporate Governance, Company Size nn Corporate Social Responsibility Disclosure: Case Study of Islamic Banking in Indonesia Qoyum, Abdul; Mutmainah, Luâ€™liyatul; Setyono, Joko; Qizam, Ibnu
IQTISHADIA Vol 10, No 1 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i1.2549

Corporate Social Responsibility (CSR) disclosure is very important for Islamic banking, especially in the long term. CSR disclosure is expected can improve the reputation of the company, thus the performance of the company can increase. CSR disclosure is very close with the implementation of Good Corporate Governance in the company. The objectives of this research is to analyze the influence of the elements of good corporate governance (GCG) and company size on corporate social responsibility (CSR) disclosure by using Islamic Social Reporting (ISR) index. There are 10 Islamic banks in Indonesia as the sample of the research, from 2011 to 2014, then there are 40 annual reports that are determined through purposive sampling.Method of this research uses content analysis to evaluate CSR disclosure by using ISR index, whereaspanel regressionis employed to know the influence the elements of GCG (commissionersâ€™ board, independent commissioners, shariah supervision board, and directorsâ€™ board) and company size on the CSR disclosure. The regression analysis suggest that the proportion of independent board of commissioners has negative effect on the CSR disclosure in Islamic banking. This research finding shows that independent commissioner is not able in providing maximum supervision on the company, which is affected by the lack of quality, and the dual job of independent commissioners at another company. While, company size has positive impact on the CSR disclosure, due to the strict regulation and society perception. This research finding may serve as an important input for the regulator to regulate properly related to the number of independent commissioner, its qualification and Islamic Social Reporting as a tool in disclosing their CSR.Pengungkapan Corporate Social Responsibility (CSR) sangat penting bagi perbankan syariah, terutama dalam jangka panjang. Pengungkapan CSR diharapkan dapat meningkatkan reputasi perusahaan, sehingga kinerja perusahaan dapat meningkat. Pengungkapan CSR sangat dekat dengan penerapan Good Corporate Governance di perusahaan. Tujuan dari penelitian ini adalah untuk menganalisis pengaruh elemen tata kelola perusahaan (GCG) dan ukuran perusahaan terhadap pengungkapan Corporate Social Responsibility (CSR) dengan menggunakan indeks Islamic Social Reporting (ISR). Ada 10 bank syariah di Indonesia dari tahun 2011-2014 yang menjadi sampel penelitian, maka ada 40 laporan tahunan yang ditentukan melalui purposive sampling. Metode penelitian ini menggunakan content analysis untuk mengevaluasi pengungkapan CSR dengan menggunakan indeks ISR. Sedangkan regresi panel digunakan untuk mengetahui pengaruh unsur GCG (dewan komisaris, komisaris independen, dewan pengawas syariah, dan dewan direksi) dan ukuran perusahaan terhadap pengungkapan CSR. Analisis regresi menunjukkan bahwa proporsi dewan komisaris independen memiliki pengaruh negatif terhadap pengungkapan CSR di perbankan syariah. Temuan penelitian ini menunjukkan bahwa komisaris independen tidak mampu memberikan pengawasan yang maksimal terhadap perusahaan. Hal ini dipengaruhi oleh kurangnya kualitas yang dimiliki, dan rangkap jabatan yang dimiliki oleh komisaris independen di perusahaan lain. Sedangkan, ukuran perusahaan berdampak positif terhadap pengungkapan CSR, karena ketatnya regulasi dan persepsi masyarakat. Temuan penelitian ini dapat menjadi masukan penting bagi regulator untuk mengatur dengan benar terkait dengan jumlah komisaris independen, kualifikasi dan ISR sebagai alat dalam mengungkapkan CSR mereka.

Islamic Social Reporting Disclosure of Sharia Commercial Banks in Indonesia: A Form of Social Responsibility Riduwan, Riduwan; Mutmainah, Luâ€™liyatul; Wahyudi, Rofiul
Shirkah: Journal of Economics and Business Vol 5, No 3 (2020)
Publisher : IAIN Surakarta

Sharia industry development encourages experts to design Corporate Social Responsibility (CSR) disclosure index that is more compatible with the characteristics of sharia-based corporate. However, studies examining CSR disclosure using Islamic Social Reporting (ISR) index that focuses on detailed results of content analysis from time to time still remains a paucity of evidence. Hence, this study aims to examine the practice of Islamic Social Reporting disclosure of sharia commercial banks in Indonesia. Drawing on the data obtained from CSR reports established by sharia banks in Indonesia, the results of content analysis disclosed that the ISR disclosure showed a fluctuating trend. It was also revealed that the six themes of ISR index have not been optimally disclosed. ISR disclosures of sharia banks in Indonesia were categorized as good since the average disclosure reached 50% in 2015 up to 2017, especially the corporate governance disclosure. This studyâ€™s results imply that it is necessary to increase the disclosures that can be strengthened by regulations from financial regulators and Islamic banking associations to increase public trust and value-added of sharia commercial banks. This study contributes to the development of sharia banks as fruitful insights on policy recommendations for Islamic banks' top management.

The Effect Of Debt-Based Financing And Equity-Based Financing On Islamic Banks Profitability In Indonesia Wahyudi, Rofiul; Diniyya, Aulia Arifatu; Satyarini, Julia Noermawati Eka; Mutmainah, Luâ€™liyatul; Maulida, Sri
International Journal of Islamic Business and Economics (IJIBEC) Vol 4 No 2 (2020): IJIBEC VOL. 4 NO. 2 DECEMBER 2020
Publisher : Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v4i2.2771

This study's main objective is to investigate equity-based financing and debt-based financing of the profitability of Islamic banking in Indonesia. This research is expected to contribute to the theoretical and practical dimensions. On the conceptual aspect, this study can provide evidence of whether equity-based financing and debt-based financing affect the profitability of Islamic banking. While on the practical dimension, Islamic banks in Indonesia can determine the extent of their profitability and, in turn, the competitiveness of Islamic banks to enable it to be developed in line or even better than conventional banks. The data analysis technique uses panel data regression, which is time series data and cross-section. Next, to estimate the panel data model, which is divided into three, namely: common effect, fixed effect, and random effect. The result of this study that partially equity-based financing does not affect ROE. At the same time, debt-based financing influences the ROE of Islamic banks. Partially equity-based financing and debt-based financing do not affect ROA of Islamic banks. However, it simultaneously shows that the independent variable test results, namely equity-based financing and debt-based financing, have a strong influence on the dependent variable, namely, profitability as measured by ROA and ROE.

MUSLIM MILLENNIAL’S INTENTION OF DONATING FOR CHARITY USING FINTECH PLATFORM Farokhah Muzayinatun Niswah; Lu'liyatul Mutmainah; Diah Ayu Legowati
Journal of Islamic Monetary Economics and Finance Vol 5 No 3 (2019)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v5i3.1080

Financial Technology (fintech) has been a part of human life. Fintech becomes a solution of human needs without limits of space and time. Fintech makes it easy for people especially millennials to make donation. This study aims to explore the factors that influence Muslim millennial’s intention in giving donation through fintech. This study uses an integration model of Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB). Online survey is used in this research including 115 Muslim millennials as sample. Data analized by Structural Equation Model (SEM) using Smart PLS. The results indicate that Perceived Usefulness (PU) and Perceived Ease of Use (PEOU) have no significant effect on Attitude Towards Usage (ATU), Attitude Towards Usage (ATU) has no significant effect on Behavioral Intention (BI), Perceived Usefullness (PU), Subjective Norm (SN) and Perceived Behavioral Control (PBC) significantly have a positive effect on Behavioral Intention (BI). Overall fintech improves Muslim millennial’s intention to make donation easily and almost all of respondents know about fintech, even not all of the use fintech to donate. This research contributes both theoretically and practically.

ANALISIS TERHADAP PERILAKU KONSUMEN PRODUK FASHION MUSLIM Anju Ayunda; Lu’liyatul Mutmainah; Nurul Huda
Journal of Economics and Business Aseanomics (JEBA) Vol 3, No 2 (2018): Juli - Desember 2018
Publisher : Universitas YARSI

This study aims to determine how the level of consumers who are represented by respondents as the object under study to purchase Muslim Fashion product and how to choose in determining shopping place/media. Although consumers of Muslim Fashion product have understood Islamic sharia ethics, yet innovative breakthroughs continue to create exciting amenities and offers and eventually may influence to Muslims consumption behaviour.

Transaksi Kredit Digital (Shopee Paylater) dalam Perspektif Islam Luluwatun Nazla; Rina Samsiyah Agustina; Alda Amalia; Lu’liyatul Mutmainah
LABATILA : Jurnal Ilmu Ekonomi Islam Vol 7 No 01 (2023)
Publisher : Lembaga Penelitian dan Pengembangan Masyarakat IAINU Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33507/lab.v7i01.1106

ShopeePayLater is a service provided by Shopee to make it easier for users to shop virtually or online in the applications they use. The research method used in this journal is qualitative research because this research describes digital credit transactions (ShopeePayLater) from the perspective of the Koran and Hadith. A qualitative approach is a research process that aims to understand the phenomenon or the object under study, so as to gain a deep understanding and find something unique. The practice of ShopeePayLater which provides services in the form of money loans using the application of a qardh or debt contract is not in accordance with the fatwa, because in practice there are several things that are not in accordance with Islamic law. Whereas in this fatwa it has been explained that the use of electronic money must be avoided from transactions that contain elements of ribawi and things that can be detrimental to both parties during a sale and purchase.

Waqf Blockchain in Indonesia Mutmainah, Lu'liyatul; Nurwahidin; Huda, Nurul
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol 14 No 1 (2021): Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47411/al-awqaf.v14i1.129

Abstract: The emergence of innovation in the world of digital finance in recent years has received attention from various parties commonly known as financial technology. This innovation is in the form of crowdfunding and blockchain platforms. These two innovations can not only be used for commercial, but also social purposes, including waqf. There is a huge potential of cash waqf in Indonesia. However, the realization is relatively still low. This study aims to analyze at a glance waqf blockchain in Indonesia that can optimize the realization of waqf development in Indonesia. Qualitative research methods is used in this paper through the study of literature. The results of the study show that Indonesia is very likely to implement waqf blockchain because the Muslim population reaching more than 80%, the flexible concept of waqf fiqh and the emergence of the halal industry. The most challenges faced are related to waqf literacy to increase public awareness. Investigating about perceived intention to use waqf blockchain through questionnaire and a deep interview with the stakeholders is important for the future research. Keywords: technology, blockchain, waqf.

The Effect of Exchange Rates and Interest Rates on Sharia Stock Index in Indonesia: Before and During the Covid-19 Pandemic Dewi, Sri Yanita; Maesya’bani; Mutmainah, Lu'liyatul
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 1 No. 2 (2022): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Yayasan Mitra Peduli Indonesia

The Islamic Stock Market is starting to take on a role in Indonesia's developing Islamic finance sector. One of the stock price indicators can be seen from the combined sharia stock index, which currently has four types of stock indexes. Previous research found several factors that influence the fluctuations in the sharia stock index, both from internal company factors and macroeconomic conditions. However, little research still compares the effects of exchange rates before and during the Covid-19 pandemic. This study aims to provide new empirical data on the conditions of the Islamic stock market in Indonesia before and during the Covid-19 pandemic. Practically, this research analyses the Islamic capital market and regulators in formulating financial policies. What used the linear regression method to process secondary data in daily data on the JII stock index, JII 70, exchange rates, and interest rates. The study results show that exchange rates and interest rates affect ISSI, JII, and JII70 before and during the pandemic.

ANALISIS VARIABEL NIAT MENGADOPSI MOBILE BANKING PADA BANK SYARIAH Jatnika, Muhammad Dzulfaqori; Friantoro, Dian; Andani, Listia; Mutmainah, Lu'liyatul
I-Economics Vol 8 No 2 (2022): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v8i2.13902

The purpose of this study is to analyze the factors that influence the intention to adopt mobile banking in the Gerbangkertosusila Region. This type of research is a quantitative study using the population of the Gerbangkertosusila Region as a population. While the sample used was 385 respondents with a non-probability sampling method. Primary data obtained by distributing questionnaires online. Data analysis technique in this research is Partial Least Squares-Structural Equation Model (PLS-SEM). The findings in this study indicate that the variable perceived benefits, perceived easy to use, perceived risk, attitudes, and social influence significantly influence the intention to adopt mobile banking. Variable perceptions of usefulness, perceptions of convenience, attitudes, and social influence have a positive relationship while risk perception has a negative relationship with the intention to adopt mobile banking in the Gerbangkertosusila Region. This finding is expected to make Islamic banking policy makers understand the problem of intention to adopt mobile banking faced by their customers. This information will be useful in developing new policies or strategies to maximize the potential of mobile banking users in Indonesia, especially in the Gerbangkertosusila Region.

Co-Authors A.A. Ketut Agung Cahyawan W AA Sudharmawan, AA Abdul Qoyum Al Banna, Hasan Alda Amalia Ali, Maimunah Binti Andani, Listia Anju Ayunda Aris Munandar Aulia Arifatu Diniyya Berakon, Izra Deny Hidayat Dewi, Sri Yanita Diah Ayu Legowati Dian Friantoro Diniyya, Aulia Arifatu Farokhah Muzayinatun Niswah Fikrinnisa, Rizka Jatnika, Muhammad Dzulfaqori Joni Julia Noermawati Eka Satyarini Luluwatun Nazla Maesya’bani Maulida, Sri Nurul Huda Nurwahidin Qiny Shonia Az Zahra Qizam, Ibnu Rafiqi, Yusep Rahayuningrat, Prahita Sri Rahmat, Biki Zulfikri Rasyid, Ari Farizal Riduwan Riduwan, Riduwan Rina Samsiyah Agustina Satyarini, Julia Noermawati Eka Sri Maulida Susilawati, Ela Taufik, Nuryanti Wahyudi, Rofiul Yulistiyani, Elin

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