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All Journal Jurnal Penelitian Saintek El-Qist : Journal of Islamic Economics and Business (JIEB) JAWI : Journal of Ahkam Wa Iqtishad JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi
Afifah, Dhiya Dwi
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Journal : JAWI : Journal of Ahkam Wa Iqtishad

 1 
The Role of Sharia-Based Non-Bank Financial Institutions in Supporting Islamic Banking in Indonesia Fadhil, Muhammad; Andrini, Rozi; Afifah, Dhiya Dwi
JAWI : Journal of Ahkam Wa Iqtishad Vol. 2 No. 3 (2024): JAWI - SEPTEMBER
Publisher : MUI Kota Pekanbaru

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The Islamic non-bank financial Industry (NBFI syariah) plays an important role in supporting the growth and strengthening of Islamic banking in Indonesia. The existence of NBFI syariah, such as Islamic insurance, Islamic financing, Islamic pension funds, and Islamic capital markets, is an integral part of the national Islamic financial ecosystem. This article aims to analyze the strategic contribution of NBFI syariah in supporting the development of Islamic banking through a descriptive-qualitative approach based on literature reviews and secondary data from the Financial Services Authority (OJK), Bank Indonesia, and other relevant institutions. The findings indicate that Islamic non-bank financial institutions expand the reach of Islamic financial services, enhance financial literacy and inclusion, and provide alternative financing and risk mitigation options in line with Islamic principles. Synergistic collaboration between Islamic banking and non-banking financial institutions is considered capable of strengthening the overall stability of the Islamic financial system. Therefore, strengthening regulations, improving institutional capacity, and product innovation are key to optimizing the role of Islamic non-bank financial institutions in promoting inclusive and sustainable Islamic banking growth in Indonesia.
Digital Waqf: transforming the Islamic economy in the Modern Era Rupita, Nanda Ega; Afifah, Dhiya Dwi
JAWI : Journal of Ahkam Wa Iqtishad Vol. 2 No. 4 (2024): JAWI - DESEMBER
Publisher : MUI Kota Pekanbaru

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Digital waqf is an innovation in Islamic philanthropy leveraging modern technology to optimize waqf fund management. This study aims to explore the opportunities and challenges of digital waqf and its contribution to wealth redistribution and Islamic economic development. The research employs a literature review method, analyzing various studies on digital waqf and supporting technologies like blockchain. The results indicate that digital waqf enhances efficiency, transparency, and public participation, particularly through digital platforms. However, challenges such as low digital literacy, limited infrastructure, and inadequate regulations hinder the optimization of its potential. This study recommends improving digital literacy, establishing comprehensive regulations, and fostering collaboration among governments, Islamic financial institutions, and fintech to build an inclusive and sustainable digital waqf ecosystem.
The Influence of Brand Equity on the Purchase Decision of Samsung Smartphones (A Case Study of Consumers in Marpoyan Damai District, Pekanbaru City) Ilham, Muhammad; Afifah, Dhiya Dwi
JAWI : Journal of Ahkam Wa Iqtishad Vol. 3 No. 1 (2025): JAWI - MARET
Publisher : MUI Kota Pekanbaru

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The research was conducted to determine the influence of brand equity on purchasing decisions for Samsung brand smartphones, especially people who live in Marpoyan Damai District, Pekanbaru City. The research approach used quantitative methods by distributing questionnaires to 400 people using a random sampling method to answer the problem in this research using the following variables. Variables including the independent variables in this research are Brand Awareness, Brand Associations, Perceived Quality, Brand Loyalty, and the dependent variable is Purchase Decision. Data analysis uses descriptive analysis and multiple linear regression which is processed using SPSS version 26. The results of this research show: simultaneously brand equity has a significant influence on purchasing decisions, as shown by the results of the F test, the Fcount value is 13.198, while the Ftable value is 2.39. The probability significance value ɑ obtained is 0.00 < 0.05, while partially the variables from brand equity show significant results on purchasing decisions except for brand awareness and brand associations. It was also found that brand loyalty had the highest influence.
Islamic Economics and Wealth Distribution: Alternative Strategies for Addressing Global Issues Afifah, Dhiya Dwi; Yunilhamri, Muhammad Syauqi; Mahyarni
JAWI : Journal of Ahkam Wa Iqtishad Vol. 3 No. 2 (2025): JAWI - JUNI
Publisher : MUI Kota Pekanbaru

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Wealth distribution in Islamic economics is an important pillar in creating sustainable social justice and welfare. This study aims to describe the concept of distribution in the perspective of Islamic economics, identify the sharia principles that underlie it, and explain the mechanisms of wealth distribution through instruments such as zakat, infaq, sadaqah, and waqf. The research method employed is qualitative descriptive using literature review techniques, with primary data sourced from the Quran and Hadith, and secondary data from academic literature and previous studies. The findings reveal that the Islamic distribution system balances individual property rights with social responsibility, prevents the accumulation of wealth among certain groups, and ensures equitable access to economic resources. Islamic distribution instruments have proven relevant in addressing global economic inequality, both through classical application during the time of the Prophet Muhammad SAW and the Khulafaur Rasyidin, as well as contemporary adaptation in the digital age. With a combination of spiritual and moral values and practical mechanisms, wealth distribution in Islam offers a fair, sustainable, and inclusive alternative strategy in facing global issues.
Cooperatives in Indonesia: Roles, Challenges, and Innovations for the People's Economy Machasin; Rinaldi, Afdhol; Afifah, Dhiya Dwi
JAWI : Journal of Ahkam Wa Iqtishad Vol. 3 No. 3 (2025): JAWI - SEPTEMBER
Publisher : MUI Kota Pekanbaru

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Cooperatives in Indonesia have long been the main pillar of people's economic development, placing the principles of kinship and mutual cooperation as the foundation. This article aims to analyze the contributions, challenges, and opportunities of cooperatives in supporting people's economic empowerment through a systematic literature review of national and international publications for the period 2013–2025. The results of this study show that cooperatives play a significant role in expanding access to capital, supporting MSMEs, providing alternative financial services, and strengthening community solidarity. Digitalization and technological innovation have been proven to improve governance efficiency, transparency, and member participation, while the development of Sharia cooperatives expands the service base according to Islamic principles. However, several challenges remain, such as weak governance, limited human resources, low financial literacy, and the absence of a special deposit guarantee institution for cooperatives. In the future, strengthening the principles of social solidarity, legal protection reform, and cross-sector collaboration will be key to ensuring that cooperatives are adaptive, inclusive, and remain relevant as the "pillar" of the modern people's economy.
Co-Authors Afdhol Rinaldi ANDRINI, ROZI Arum, Hafidza Sanshia Bambang Hermanto Fahroha, Fani Afrida Iskandar Ritonga Jonnius Jonnius Juita, Risa Machasin Mahyarni Muhammad Fadhil Muhammad Ilham Nurhayati Nurhayati Putri, Nadia Sandi Rupita, Nanda Ega Safaat Harahap, Nazruddin Tasriani Tasriani Yunilhamri, Muhammad Syauqi