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All Journal STUDIA ISLAMIKA Iqtishoduna: Jurnal Ekonomi Islam International Journal of Zakat (IJAZ) Jurnal Pengabdian Masyarakat Indonesia Perbanas Journal of Islamic Economics and Business Journal of Islamic Economics Lariba Gudang Jurnal Multidisiplin Ilmu Al-Zayn: Jurnal Ilmu Sosial & Hukum Jurnal Kajian Pariwisata dan Perhotelan Al'Adalah Menulis: Jurnal Penelitian Nusantara Studia Islamika IJIEF: Indonesian Journal of Islamic Economics and Finance International Journal of Islamic Khazanah Tawazun: Journal of Sharia Economic Law
Khairunnisa Musari
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Religion Aerospace Engineering Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Public Health Social Sciences Other

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Promoting Qarḍ al-Ḥasan in Nanofinance to Counter The Moneylender in Southeast Asia Musari, Khairunnisa
Studia Islamika Vol. 26 No. 1 (2019): Studia Islamika
Publisher : Center for Study of Islam and Society (PPIM) Syarif Hidayatullah State Islamic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sdi.v26i1.5990

Abstract

Moneylending is a real humanitarian problem in Asian countries, including in Southeast Asia. This study examines moneylending activities in this region, where poor people become a target. An emergency need forces them to seek out a moneylender. This paper argues that nanofinance may address the microfinance gap to counter the moneylender. Despite the existence of nanofinance, it has not obtained as much attention as microfinance. However, nanofinance activities have run in some Asian countries to help the poor. By interviewing some informants in Indonesia, Vietnam, and Cambodia, and then reviewing the empirical study and context in Malaysia, Thailand and Brunei, this paper intends to: (1) Describe the practice of moneylending in Indonesia, Vietnam, Cambodia, Malaysia, Thailand and Brunei; (2) Describe the nanofinance practice in Indonesia and Thailand; (3) Promote qarḍ al-ḥasan as the philanthropy contract of (Islamic) nanofinance.
Penerapan Sistem Informasi Akuntansi Terhadap Siklus Penggajian Pegawai ASN dan Non ASN Dinas Perpustakaan Dan Kearsipan Kabupaten Jember Khairunnisa Musari; Mohamad Yunus; Febri Sholeh Hamsyah; Mohammad Alung Prayogi
Gudang Jurnal Multidisiplin Ilmu Vol. 2 No. 2 (2024): GJMI - FEBRUARI
Publisher : PT. Gudang Pustaka Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/gjmi.v2i2.342

Abstract

Dinas Perpustakaan dan Kearsipan Kabupaten Jember merupakan instansi pemerintah yang menjadi pusat literasi masyarakat. Tim pengabdian berinisiatif untuk membantu dalam menyiapkan informasi yang dapat diakses oleh publik tentang siklus penggajian pegawai ASN dan non ASN. Metode pengabdian yang digunakan adalah metode service learning dengan merefleksikan mata kuliah dengan permasalahan di lokasi pengabdian. Teknik pengumpulan data yang digunakan adalah observasi, wawancara dan dokumentasi. Target pengabdian yang dilakukan adalah untuk memberikan informasi tentang siklus penggajian pegawai ASN dan non ASN di Dinas Perpustakaan dan Kearsipan Kabupaten Jember.
Strategi Diferensiasi Produk Kampung Edamame Untuk Mencapai Keunggulan Di Pasar Modern Nahdiya Aizatul Maissa; Yesinta; Bunga Mawadhatul Maulidah; Khairunnisa’ Musari
Gudang Jurnal Multidisiplin Ilmu Vol. 2 No. 2 (2024): GJMI - FEBRUARI
Publisher : PT. Gudang Pustaka Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/gjmi.v2i2.361

Abstract

Edamame, sebuah varietas kedelai yang populer sebagai sayuran dan camilan kesehatan, memiliki potensi tinggi sebagai komoditas domestik dan ekspor. Meskipun permintaan global terhadap edamame tinggi, Indonesia hanya memenuhi sebagian kecil pasar. Dalam persaingan pasar modern yang ketat, strategi diferensiasi produk diperlukan untuk meningkatkan daya saing edamame dari suatu daerah. Penelitian ini bertujuan untuk mengidentifikasi dan mengembangkan strategi diferensiasi produk edamame dari Kampung Edamame guna mencapai keunggulan pasar. Adapun pendekatan yang digunakan dalam penelitian pengabdian Masyarakat ini adalah Participatory Action Research (PAR). Diharapkan hasil penelitian ini akan memberikan manfaat bagi pengelola Kampung Edamame, masyarakat sekitar, serta pemangku kepentingan dalam industri edamame secara keseluruhan.
Sinergi Double Helix Sistem Informasi Akuntansi Pelayanan Akta Kematian Di Kantor Kecamatan Ranuyoso Muhammad Afifudin; Khairunnisa’ Musari
Gudang Jurnal Multidisiplin Ilmu Vol. 2 No. 2 (2024): GJMI - FEBRUARI
Publisher : PT. Gudang Pustaka Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/gjmi.v2i2.367

Abstract

Salah satu layanan publik pada kantor kecamatan adalah pembuatan akta kematian. Masyarakat kebanyakan umumnya minim informasi terkait layanan tersebut. Kalaupun masyarakat dapat mengakses informasi, umumnya informasi yang tersedia tidak langsung dapat dipahami. Hal ini dipahami berdasarkan pengamatan awal pada Kantor Kecamatan Ranuyoso, Kabupaten Lumajang. Hal ini pula yang mendasari dilakukannya penelitian pengabdian dengan metode Service-Learning untuk menyusun informasi layanan akta kematian berbasis sistem informasi akuntansi (SIA) melalui teknik flowchart. Tujuan penelitian pengabdian ini adalah untuk membantu mengatasi hambatan yang dialami masyarakat. Melalui sistem flowchart, diharapkan output dari pengabdian ini akan memberikan pemahaman yang baik dan dapat dipahami oleh Masyarakat.
Analisis Sistem Pencatatan Penilaian Persediaan Produksi Barang Dagang Pada Kampung Edamame Dina Ayu Lestari; Vita Aprilia Maghfiroh; Salwatin Falahiyah; Khairunnisa Musari
Gudang Jurnal Multidisiplin Ilmu Vol. 2 No. 3 (2024): GJMI - MARET
Publisher : PT. Gudang Pustaka Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/gjmi.v2i3.403

Abstract

Penelitian ini fokus pada menerapkan praktik pengalaman lapangan (PPL) oleh mahasiswa di PT Gading Mas Indonesia Teguh, Kabupaten Jember. Tujuan utama adalah mengintegrasikan teori akademik dengan praktik nyata melalui penelitian dan pengabdian pada komunitas, khususnya dalam peningkatan sistem keuangan produksi dan sistem pemeriksaan stok barang di Kampung Edamame. Metode yang digunakan meliputi pendekatan Service Learning, yang mencakup identifikasi kebutuhan produk, pendampingan dan pelatihan, serta evaluasi efektivitas persediaan dengan analisis SWOT. Hasil dari pengabdian ini meliputi peningkatan keterampilan praktis mahasiswa, pemberian kontribusi pada lembaga mitra, dan pengembangan produk baru sebagai upaya mencegah Stunting, serta perbaikan pada sistem keuangan produksi dan pemeriksaan stok barang di Kampung Edamame. Pengabdian ini juga memberikan manfaat kepada mahasiswa, universitas, dan perusahaan melalui pengembangan keterampilan, peningkatan kualitas pengajaran dan penelitian, serta memperkuat hubungan dengan komunitas lokal.
Strategi Kemitraan Kampung Edamame Terhadap Keberdayaan Masyarakat Di Desa Curah Kates Ahmad Baihaqi; Muhammad Ulul Albab; Muhammad Mujahed; Khairunnisa Mussari
Gudang Jurnal Multidisiplin Ilmu Vol. 2 No. 3 (2024): GJMI - MARET
Publisher : PT. Gudang Pustaka Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/gjmi.v2i3.408

Abstract

Penelitian ini bertujuan untuk mengetahui pola kemitraan Kampung Edamame dengan PT. Gading Mas Indonesia Teguh terhadap keberdayaan masyarakat Desa Curah Kates, Kabupaten Jember. Penelitian ini menggunakan metode penelitian deskriptif dengan pendekatan kualitatif. Subjek pada penelitian ini adalah masyarakat Desa Curah Kates. Pola kemitraan Kampung Edamame dengan PT. Gading Mas Indonesia Teguh yaitu pola kemitraan inti plasma. Hal ini ditandai dengan adanya syarat yang menjadi penunjang pola kemitraan inti plasma seperti pendampingan dan pelatihan, pemberian bahan baku, pemberian sarana dan peralatan produksi, dan pendampingan pemasaran yang mampu meningkatkan kesejahteraan dan pengetahuan, masyarakat yang percaya diri, mendapatkan pengalaman, menjadi kreatif, mendapatkan relasi dari pemerintah dan sesama UMKM, dan juga mendapatkan penghasilan.
Understanding the The Consumer Behavior of Smokers through Microeconomics Theory in Islamic Perspective Khairunnisa Musari
IJIEF: Indonesian Journal of Islamic Economics and Finance Vol. 1 No. 2 (2018): Indonesian Journal of Islamic Economics and Finance
Publisher : Department of Islamic Economics, Postgraduate Program, UIN Kiai Haji Achmad Siddiq, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijief.v1i2.199

Abstract

Smoking in microeconomics included in the Theory of Consumer Behavior. This theory discusses how the consumers allocate income between different heads and how they decide how much to consume now and how much to save for future. In turn, it bears implications for macroeconomic policies. Further, many literatures explain that smoking has a negative impact in health, norms and ethics, and economic side. In Islamic economics, the law of smoking is not explicitly and expressly mentioned by the Qur'an and Sunnah. The jurists seek its solution through ijtihad. However, mostly studies which discussed about sharia issues corroborates that this activity is haraam and should be abandoned. No many studies focused on the Islamic macro-microeconomics side. Hence, in order to explain the cigarettes, smokers, and smoking activity in Islamic economics side in the future, this paper try to discuss about the smokers behavior in the microeconomics theory. Understanding the consumer behavior of smokers is difficult. But, referring to the theory of consumer behavior, smoking activity can be justified because the consumer is believed rational if they fulfill the all of axioms of preferences. The smokers behavior will try to be understood in three steps: consumer preferences, budget constraints, and consumer choices. JEL Classification: D01, D10, D11, D12, D14
Bias Psikologis Mahasiswa Generasi Z Muslim dalam Keputusan Investasi Cryptocurrency Roziqin, Achmad; Musari, Khairunnisa
Perbanas Journal of Islamic Economics and Business Vol 6 No 1 (2026): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v6i1.364

Abstract

Advances in financial technology have driven the increasing involvement of generation Z in investing in crypto assets, which are characterized by high risk and volatility. This study examines how decisions among generation Z muslim students in cryptocurrency investment can be influenced by mental accounting, familiarity bias, and self-attribution bias. The approach used in this study was quantitative with a causal-associative design and a purposive sampling technique on an infinite population of students from the Faculty of Islamic Economics and Business at Kiai Haji Achmad Siddiq Islamic University of Jember. Data collection was conducted through a digital questionnaire, resulting in 32 respondents. These were then analyzed using multiple linear regression, after going through validity, reliability, and classical assumption tests to ensure model feasibility. To confirm and develop the investigation into the results of the answers and the results of data processing, this study continued the saturation interview technique with respondents. This study generated a model contribution of 71.3%, with all three exogenous (independent) variables statistically, both simultaneously and partially, having a positive significance on cryptocurrency investment decisions, with familiarity bias dominating the influence. Overall, these findings further confirm that psychological bias plays a significant role in the investment decision-making process and further reinforce the notion that Generation Z Muslims possess digital financial literacy and actively participate in modern digital financial instruments.
Integrating Green Sukuk and Cash Waqf Linked Sukuk, the Blended Islamic Finance of Fiscal Instrument in Indonesia: A Proposed Model for Fighting Climate Change Khairunnisa Musari
International Journal of Islamic Khazanah Vol. 12 No. 2 (2022): IJIK
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijik.v12i2.17750

Abstract

Indonesia is the world’s first global and retail sovereign Green Sukuk issuer. In four years since its first issuance in 2018, Green Sukuk has been issued seven times to finance or refinance the projects or programs of Eligible Green Sectors. Then, in order to support the development of social investment and productive waqf, the Government of Indonesia (GoI) also issues Cash Waqf Linked Sukuk (CWLS) by blending Islamic finance and impact investing for the Sustainable Development Goals (SDGs). CWLS is the first blended Islamic finance for the fiscal instrument in Indonesia, which integrates Islamic commercial finance and Islamic social finance. In order to tackle climate change, this study promotes the integration between Green Sukuk and CWLS as well as adopting the Eshamconcept toward Perpetual Green CWLS as a new green financing alternative. This collaboration can be an innovative one in the future as a fiscal funding source to fight climate change which today becomes the development agenda priority in line with the intensified intention of extraordinary weather. Climate change has brought a high-cost impact on vulnerable and low-income people. Along with efforts to achieve the SDGs and Paris Agreement targets, a financing gap holds up the route to tackling climate change. Therefore, by using a literature study on the best practice of Green Sukuk and CWLS in publications mainly sourced from the Ministry of Finance (MoF) Republic of Indonesia, this conceptual paper focuses on three issues, namely: (1) describing Indonesia's sovereign Green Sukuk; (2) describing the CWLS; (3) explaining a proposed Perpetual Green CWLS as an Islamic green financing alternative.
Can Muslim Communities Empower through Ethnic-based? A Case Study in Indonesia Dianidza Arodha; Maya Panorama; Moh. Syawaludin; Khairunnisa Musari
International Journal of Islamic Khazanah Vol. 15 No. 1 (2025): IJIK
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijik.v15i1.48990

Abstract

This study examines determinants and praxis of economic and social empowerment among Ethnics Muslim communities. It introduces the TENGKA model (Trust, Effort, Networking, Keeping, Active) as a culturally embedded framework for empowerment. Using an explanatory sequential mixed-methods design, the research identifies how physical capital, human capital, social capital, and the competence of empowerment actors shape empowerment outcomes. Empirical findings show that human capital, social capital, and actor competence significantly influence empowerment; local practices: aresan, sombhengan-bhelin, bhetonan, pesantren, madrasah, KOPWAN, lobenyu, posyandu, and PAMSIMAS, function as operational manifestations of social capital and Islamic-infused local wisdom. The paper advances the theoretical contribution by explicitly linking the TENGKA components to Islamic intellectual heritage (Qur'anic injunctions, Prophetic hadith, and classical and contemporary scholarship), and situates TENGKA alongside ACTORS and Ibn Khaldun’s ashabiyah to highlight complementarities and differences. We discuss transferability to other Muslim communities and propose practical implications for policy design and community-based interventions. The study contributes empirically and theoretically to scholarship on Islamic community empowerment and offers an operational model for culturally sensitive programs.
Co-Authors Abdelbari El-Khamlichi Abdul Rokhim Ahmad Baihaqi Aneira Meilani Putri Arodha, Dianidza Ayu Suryaningsih Azzain, Abdullah Faqih Bunga Mawadhatul Maulidah Dianidza Arodha Diki Hendrianto Dina Ayu Lestari Esti Anisa Pratiwi Evi Puji Lestari Fatima Sayah Febri Sholeh Hamsyah Fuad, Mohamad Zakaria Husni Khoirun Nisa Virdania Makki, Mustaqim Maya Panorama Maya Panorama, Maya Moh. Rizky Abadi Moh. Syawaludin Moh. Syawaludin Mohamad Yunus Mohammad Aldi Eka Putra Mohammad Alung Prayogi Mohammad Halil Hakiki Muhammad Afifudin Muhammad Mujahed Muhammad Rizki Hafianto Putra Muhammad Sahrul Muhammad Ulul Albab Nahdiya Aizatul Maissa Nalurita Emylia Ni’mah, Iffatun Risma Aini Wulandari Rohim, Muhammad Abdur Roziqin, Achmad Salwatin Falahiyah Siti Lailatul Husna Veby Septya Margareta Vita Aprilia Maghfiroh Yesinta Zaenol Hasan