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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 Al-Muhtarifin: Islamic Banking and Islamic Economic Journal 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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Cicil Emas Bank Syariah untuk Investasi Jangka Panjang: Studi Kasus BSI Lumajang Imam Bonjol Aneira Meilani Putri; Veby Septya Margareta; Risma Aini Wulandari; Khairunnisa Musari
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 3 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i3.6616

Abstract

Studi ini bertujuan untuk menganalisis keuntungan, risiko, dan potensi jangka panjang produk pembiayaan cicil emas pada bank syariah dibandingkan dengan pembelian emas tunai. Dengan mengambil studi kasus di Bank Syariah Indonesia (BSI) Cabang Lumajang Imam Bonjol, hasil penelitian menunjukkan bahwa pembiayaan cicil emas memiliki keuntungan utama dalam hal aksesibilitas, fleksibilitas, dan kemudahan. Namun demikian, terdapat beberapa risiko yang dihadapi, yaitu fluktuasi harga yang dapat memengaruhi minat dan kemampuan bayar nasabah, biaya administrasi, dan risiko keterlambatan pembayaran cicilan yang berpotensi menyebabkan penjualan aset. Faktor eksternal seperti kondisi ekonomi global, inflasi, nilai tukar, dan strategi promosi juga memengaruhi minat masyarakat terhadap produk ini. Dalam jangka panjang, setidaknya rentang 10 tahun, cicilan emas menawarkan potensi keuntungan yang menjanjikan karena emas merupakan aset riil yang cenderung stabil dan mempertahankan nilainya terhadap inflasi. Produk ini semakin menarik bagi masyarakat Lumajang karena kesesuaiannya dengan prinsip-prinsip Syariah.
Wakaf Uang dalam Ekosistem Ekonomi Digital: Solusi Keuangan Islam untuk Era Industri 4.0 Hasan, Zaenol; Musari, Khairunnisa; Makki, Mustaqim
TAWAZUN: Journal of Sharia Economic Law Vol 8, No 1 (2025): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v8i1.31106

Abstract

The advancement of the digital economy in the Fourth Industrial Revolution era has created new opportunities for optimizing Islamic financial instruments, including cash waqf. This study aims to conceptualize the digital transformation of cash waqf by exploring its fundraising mechanisms, product integration with Islamic fintech platforms, and governance models in the digital ecosystem. Employing a qualitative descriptive approach with library research methodology, this study utilizes a systematic literature review (SLR) to examine relevant academic sources and regulatory documents. The findings reveal that: (1) online fundraising through digital payment systems and Islamic crowdfunding platforms has significantly enhanced public participation and accessibility; (2) product innovation such as waqf-based insurance, corporate waqf, and share waqf has been facilitated through fintech integration, aligning with the objectives of maqasid al-shariah; and (3) digital governance models incorporating blockchain and good corporate governance (GCG) principles have improved transparency, accountability, and institutional credibility. This study contributes to Islamic economic literature by offering a theoretical framework that synthesizes classical waqf principles with modern financial technology. It also highlights the potential of digital cash waqf as a transformative tool for inclusive socio-economic empowerment, while noting the need for improved digital literacy, regulatory frameworks, and inter-sectoral collaboration.
ANALISIS PELAYANAN TRANSAKSI PRODUK PEGADAIAN MENGGUNAKAN APLIKASI TRING! PADA PEGADAIAN SYARIAH AHMAD YANI JEMBER Puput Dwi Wulandari; Lailatul Kiptiyah; Niki Kurniasari; Khairunnisa Musari
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 5, No 2 (2026): Jun 2026
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v5i2.31320

Abstract

Digital transformation in Islamic financial institutions has encouraged PT Pegadaian, through its Pegadaian Syariah, to develop application-based transaction services to improve customer service quality. However, the effectiveness of digital service implementation remains challenged by digital literacy, technological readiness, and user acceptance. This study aims to analyze transaction services for Pegadaian products using the Tring! by Pegadaian application at Pegadaian Syariah Ahmad Yani Jember, focusing on the technical features, service quality, advantages, challenges, and strategies for improving digital services. This study employed a qualitative descriptive method with a case study approach. Data were collected through in-depth interviews, observations, and documentation involving key informants, including branch managers, operational staff, and Tring! users selected purposively until data saturation was achieved. Data were analyzed using the interactive model of Miles, Huberman, and Saldaña. The findings reveal that the Tring! application improves transaction convenience, efficiency, and flexibility through integrated digital features. Nevertheless, several challenges remain, including limited digital literacy among elderly customers, device constraints, unstable internet connectivity, and technical issues. This study concludes that the success of digital services depends not only on technological quality but also on user readiness, digital assistance, and continuous improvement of system security.
Bias Psikologis Mahasiswa Generasi Z Muslim dalam Keputusan Investasi Cryptocurrency Achmad Roziqin; Khairunnisa Musari
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.
Co-Authors Abdelbari El-Khamlichi Abdul Rokhim Achmad Roziqin 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 Lailatul Kiptiyah 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 Niki Kurniasari Ni’mah, Iffatun Puput Dwi Wulandari Risma Aini Wulandari Rohim, Muhammad Abdur Salwatin Falahiyah Siti Lailatul Husna Veby Septya Margareta Vita Aprilia Maghfiroh Yesinta Zaenol Hasan