Article Per Year (5 Year)
p-Index From 2021 - 2026
2.765
P-Index
This Author published in this journals
All Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi) El-Barka: Journal of Islamic Economics and Business Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam JOURNAL OF ECONOMICS EDUCATION AND ENTREPRENEURSHIP Jurnal Ekonomi dan Bisnis Jurnal Akuntansi dan Ekonomi Bisnis Semanggi: Jurnal Pengabdian kepada Masyarakat Jurnal Terapan Ekonomi dan Bisnis (JTEB) JSE: Jurnal Sharia Economica The International Journal of Financial Systems Journal of Industrial and Syariah Economics Nidhomiya: Research Journal of Islamic Philanthropy and Disaster
Najib, M. Thoha Ainun
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

Published : 15 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 15 Documents
Search

 1   2 
Analisis Fatwa DSN-MUI No. 73/DSN-MUI/XI/2008 tentang Musyarakah Mutanaqisah Najib, M. Thoha Ainun; Ilmiyah, Izzatul
Journal of Industrial and Syariah Economics Vol. 3 No. 1 (2025): October
Publisher : Program Studi Ekonomi Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jise.v3i1.132

Abstract

The Murabahah contract, which has long been widely used by Islamic banking institutions to realize their financing functions, has shown several weaknesses, despite being a relatively certain and simple mode to implement. Such certainty, however, becomes a drawback for banks when the banking industry, including Islamic banks, must adjust the amount of credit payments made by customers in accordance with prevailing interest-based models within Islamic banking systems. The objective of this study is to analyze the legal foundations, rationality, and relevance of implementing the Musyarakah Mutanaqisah contract as a solution to the weaknesses of the Murabahan contract in modern Islamic financing. The research methodology employed in this study is library research, which involves examining various primary and secondary sources such as the fatwas of the National Sharia Council og the Indonesian Ulema Council (DSN-MUI), opinions of classical scholars related to partnership-based financing. The findings of this study indicate that the ijtihad of DSN-MUI in formulating the fatwa on Musyarakah Mutanaqisah is strongly supported by both naqli arguments and the views of previous scholars. Although Musyarakah Mutanaqisah represents a new form of business partnership, the application of a hybrid contract approach can serve as an innovative solution for Islamic banking, providing both convenience and fairness for customers
Measuring the Financial Resilience of Indonesian Banking Sector under Geopolitical Uncertainty Using Panel Vector Autoregression (PVAR) Nisak, Khoirun; Setyowati, Endah; Najib, M. Thoha Ainun
The International Journal of Financial Systems Vol. 3 No. 2 (2025)
Publisher : Otoritas Jasa Keuangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61459/ijfs.v3i2.88

Abstract

Geopolitical tensions can affect the stability of companies, including Indonesia's banking sector. Geopolitical risk, as measured by the Geopolitical Risk Index (GRI), is an external factor that reflects economic and political uncertainty arising from global adverse events. This study aims to understand the dynamics of the interaction of geopolitical risk on the stability of banking indicators, including ROA, ROE, CAR, and NPL. Furthermore, this study aims to assess financial resilience in the banking sector amid geopolitical tensions. Sampling was conducted across banking categories, including KBMI 4, KBMI 3, Islamic banks, and regional development banks. The data used are quarterly panel time series from 2015 to 2024. The analysis was conducted using Panel Vector Autoregression (PVAR) with the Generalised Method of Moments (GMM) approach. The results show that the impact of the GRI shock on banking indicators is short to medium-term, with the most significant effects on profitability (ROA, ROE) and credit quality (NPL). The results confirm that global geopolitical pressures play a dominant role in explaining fluctuations in bank indicators in Indonesia, particularly capital efficiency and capital structure. Based on the dynamics of these interactions, Bank A, Bank B, Bank D, and Bank E are classified as more resilient, and Bank C, Bank F, Bank G, and Bank H are classified as less resilient. More resilient banks are characterised by a low GRI impact on ROA and CAR, and a quick return to stability, while less resilient banks have a high GRI impact on ROE and CAR.
E-SERVICE QUALITY EFFECT TOWARD CONSUMER ATTITUDE THROUGH CONSUMER SATISFACTION ON SHOPEE APPLICATION Najib, M. Thoha Ainun; Sa’adah, Silky Roudhotus; Putro, Rizky Listyono
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 12 No. 2 (2023): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v12i2.1489

Abstract

This research to analyze the effect of e-service quality toward consumer attitude through consumer satisfaction on Shopee Application in Malang. The research was conducted in Malang with 152 respondents as the sample. This research used Structural Equation Modeling based on Partial Least Square. The research finding showed that there was positive and significant effect of e-service quality toward consumer satisfaction on the Shopee Application. There was positive and significant effect among consumer satisfactions on consumer attitude on Shopee Application. There was positive and significant effect among e-service qualities on consumer attitude on Shopee Application. There was positive and significant effect among e-service qualities on consumer attitude through consumer satisfaction on Shopee Application.
DOOM SPENDING AMONG GENERATION Z: CONSUMER BEHAVIOR ANALYSIS AND ISLAMIC ECONOMIC PERSPECTIVE Najib, M. Thoha Ainun; Silky Roudhotus Sa’adah
JSE: Jurnal Sharia Economica Vol. 5 No. 2 (2026): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/6eypy102

Abstract

This research examines the phenomenon of doom spending among Generation Z, characterized by excessive spending as a response to stress and anxiety. It analyzes the application of Islamic economic principles to overcome this consumptive behavior through a qualitative approach with a case study method involving 25 respondents aged 18 to 25 years. Research finds that the leading causes of doom spending include academic stress, the influence of social media, and a lack of knowledge about financial management. The impacts of this behavior include mental health problems and economic difficulties. This research recommends Sharia-based financial education and awareness campaigns to increase understanding of the negative impacts of doom spending so that it is hoped that Generation Z can achieve better economic and mental well-being.
Penguatan Ketahanan Pangan Melalui Edukasi Biosaka dan Distribusi Bibit Sayuran di Desa Bekiring Islam, Mualifah; Najib, M. Thoha Ainun; Nuriska, Aurella Dian; Asyhari, Harun; Febriansyah, Chandra Kharisma
SEMANGGI : Jurnal Pengabdian kepada Masyarakat Vol. 5 No. 1 (2026): April 2026
Publisher : LPPM Universitas Wijaya Putra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38156/sjpm.v5i1.438

Abstract

The Food Security Strengthening Program through Biosaka Education and Vegetable Seed Distribution in Bekiring Village, Pulung Sub-district, Ponorogo Regency, was implemented using the Asset Based Community Development (ABCD) approach. The program aimed to improve household food self-sufficiency by utilizing home yards and adopting environmentally friendly agricultural innovations. The methods included training on the production and application of Biosaka, vegetable cultivation practices using polybags, and the distribution of short-term vegetable seeds such as chili, tomato, and eggplant. The results indicate an increased community understanding of food diversification, collective awareness of yard utilization, and active participation in vegetable cultivation. The program’s strengths lie in its simple, low-cost, and practical methods, making it easily accepted by the community, particularly among low-income families. However, limitations such as restricted mentoring time and uneven technical comprehension among residents remain as challenges. Future program development should emphasize continuous mentoring, diversification of plant varieties, and the establishment of household farmer groups to ensure stronger and more sustainable community food security.
Co-Authors Aby, Ferizky Sedayu Ajeng Kartika Aprilia Santi Albab, Moh. Faris Anita Asyhari, Harun Azizah, Diah Ayu Cahyani, Anisa’ Dwi Endah Setyowati Faishol, Muhammad Febriansyah, Chandra Kharisma Hanifah, Mufidlatul Ilmiyah, Izzatul Irsyadillah, Muh Iqbal Islam, Mualifah KHOIRUN NISAK Kholila Q.F., Rifa Nur Krusdewinta, Heva Auliya Mukminin, mas Ach Azmi Muttaqin, Abdul Azis N. , Yusmaniar Afifah Nisak, Luluk Nur Sayidatin Nuriska, Aurella Dian Nurrohman, Arina L Putri, Aprianita Widyaning Putro, Rizky Listyono Rugmana, Poppy Ardianti Sa'adah, Silky Roudhotus Sa’adah, Silky Roudhotus Sabella, Prika Wahyu Sadid, M. Ashilus Sa’adah, Silky Roudhotus Silky Roudhotus Sa’adah Taslim, M. Muslih Triana, Ginza