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All Journal Al-Ulum MOVE: Journal of Community Service and Engagement East Asian Journal of Multidisciplinary Research (EAJMR) ADILLA: Jurnal Ilmiah Ekonomi Syari'ah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Munir, Maryam Bte Badrul
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Pengelolaan Keuangan Keluarga untuk Membangun Ketahanan Keluarga Muslim: Tinjauan dalam Perspektif Ekonomi Islam Isnani, Sofi Putri; Harnum, Mutiara Puspita; Efendi, Taufik Kukuh; Alfarisy, Fathor Rozy; Firmanda, Muhammad Esza Maulana; Munir, Maryam Bte Badrul
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i1.5683

Abstract

Poverty in Indonesia is a complex problem for the government which is caused by low income levels that lead to economic vulnerability for families. Many Indonesians, who are predominantly Muslim, tend to underestimate household financial management. This study aims to provide an understanding of financial literacy from an Islamic economic perspective, focusing on the financial management of Muslim families to build strong economic resilience and maintain family welfare. This research method is qualitative literature-based research. The study's results show that the financial management of Muslim families is based on the concept of maqashid sharia and avoid elements of usury, maysir, and gharar to achieve both worldly and spiritual well-being. Islamic principles such as mudharabah, musyarakah, ijarah, qardhul hasan, wakalah, and kafalah can be applied to achieve maqashid sharia. Additionally, the Sakinah Finance model can stabilize the finances of Muslim households. The main challenges in family financial management include a lack of transparency and poor communication between family members. Therefore, family asset management can be implemented by maintaining balanced budget allocations, such as for income, needs, desires, education, inheritance, grants, endowments, and emergency funds.
The Effect of Halal Brand Personality, Brand Experience, User Experience and E-Service Quality on Brand Loyalty (Case Study on Muslim Consumers of Skintific Products in Surabaya) Salsabila, Sania; Munir, Maryam Bte Badrul
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol 7 No 2 (2024): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v7i2.6570

Abstract

This study aims to determine the effect of halal brand personality, brand experience, user experience, and e-service quality on brand loyalty simultaneously and partially. This research uses descriptive quantitative methods. The population in this study were 100 Muslim consumers of Skintific products in Surabaya. The sample in the study was determined by the lemeshow formula and obtained 100 respondents. The sampling technique used purposive sampling. The data collection technique used a questionnaire with 36 statement items and was measured using a Likert scale of 1 to 5 which had been tested for validity and reliability. The data analysis technique used is multiple linear regression analysis to answer the hypothesis. The results showed that from the partial test, the halal brand personality variable had a significant effect on brand loyalty with a tcount of 2.138> table 1.661 and a significant value of 0.035 <0.05. From the variable. From the brand experience variable, it has a significant effect on brand loyalty with tcount 2.055> table 1.661 and a significant value of 0.043 <0.05. From the user experience variable, it has a significant effect on brand loyalty with a tcount of 3.782> table 1.661 and a significant value of 0.000 <0.05. From the e-service quality variable, it has a significant effect on brand loyalty with tcount 2,764> table 1,661 and a significant value of 0.007 <0.05. Then, the simultaneous test of halal brand personality, brand experience, user experience and e-service quality variables has a significant effect on brand loyalty showing F count 20,261> F table 2,467 with a significant value of 0.000 <0.05. The R Square result of 43.8% shows the influence of halal brand personality, brand experience, user experience, and e-service quality on brand loyalty. While 56.2% is influenced by other variables outside the study
Islamic Financial Management Training for MSMEs of The Congregation of Mosque Under The Auspices of The Indonesian Mosque Council Surabaya Nurafini, Fira; Canggih, Clarashinta; Indrarini, Rachma; Munir, Maryam Bte Badrul
MOVE: Journal of Community Service and Engagement Vol. 4 No. 3 (2025): January 2025
Publisher : EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/move.v4i3.417

Abstract

Mosques are places of worship that not only serve as centers for religious practices but also play an active role in community muamalah (socio-economic) activities. The Indonesian Mosque Council (DMI), a partner of the Islamic Economics Study Program Universitas Negeri Surabaya, is a national-level organization dedicated to realizing the role of mosques as centers for worship, community development, and unity. The Islamic Economics Study Program Universitas Negeri Surabaya collaborates with DMI Karang Pilang to implement community service programs aimed at developing mosques and their congregations in the DMI Surabaya. This community service program targets MSME (Micro, Small, and Medium Enterprises) actors who are mosque congregants, as well as congregants who intend to start businesses at mosques under the supervision of DMI Surabaya, located in the Karang Pilang District. The program's activities include workshops and socialization sessions focused on the importance of sharia-compliant financial management for MSMEs and practical guidance on implementing financial management in accordance with sharia. The expected outcome of this program is that MSME actors and congregants intending to start businesses will gain a comprehensive understanding of proper financial management and successfully apply it, thereby preparing them to navigate the challenges of uncertain economic conditions.
Analysis of Factors that Influence the Investment Interest of Islamic Economics Students at State University of Surabaya Masyhuri, Tsabitah Fathin; Munir, Maryam Bte Badrul
East Asian Journal of Multidisciplinary Research Vol. 3 No. 7 (2024): July 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/eajmr.v3i7.9745

Abstract

The rise of the younger generation's interest in investing in the capital market is increasingly evident, this phenomenon can be shown by the increase in interest that is inseparable from the role of social media. About 75% of the young generation began to show interest in investing. The rapid development of stocks, especially Islamic stocks, is the beginning of the assumption that the context of usury in savings or investment interest is the same as gambling. That way, this study aims to determine whether there is an effect of investment motivation and expected return on the investment interest of State University of Surabaya Islamic Economics students Class of 2020 - 2022. The research method used is descriptive quantitative research with SPSS version 23 analysis. The sample used was 96 respondents through an online questionnaire with certain qualifications. The findings of this study state that investment motivation and expected return have a significant effect on student investment interest. The results of the study based on the f test show that investment motivation and expected return simultaneously affect student investment interest.
Halal Certification for MSMEs: what Drives the Interest of MSMES in Indonesia and Malaysia? Suryaningsih, Sri Abidah; Indrarini, Rachma; Nurafini, Fira; Munir, Maryam Bte Badrul; Binti Zakaria, Zalina; Nurillah, Shinta Lintang
Al-Ulum Vol. 24 No. 1 (2024): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/au.v24i1.5320

Abstract

This study explores the factors influencing interest in halal certification, focusing on certification fees, government involvement, and the certification process, particularly for halal MSMEs (Micro, Small, and Medium Enterprises). A survey of 65 respondents from businesses in Indonesia and Malaysia was analyzed using Smart PLS 3.0, a tool for Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that certification fees (p-value = 0.226) and government involvement (p-value = 0.966) do not significantly affect interest, while the certification process (p-value = 0.009) has a significant impact. These findings suggest that simplifying the certification procedure could increase participation, especially for MSMEs facing challenges related to cost and understanding the process. The study’s practical implication is that certification bodies should prioritize simplifying the process to encourage more MSMEs to pursue halal certification. This research provides valuable insights for academic research, industry practices, and MSME empowerment.
Pengelolaan Keuangan Keluarga untuk Membangun Ketahanan Keluarga Muslim: Tinjauan dalam Perspektif Ekonomi Islam Isnani, Sofi Putri; Harnum, Mutiara Puspita; Efendi, Taufik Kukuh; Alfarisy, Fathor Rozy; Firmanda, Muhammad Esza Maulana; Munir, Maryam Bte Badrul
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i1.5683

Abstract

Poverty in Indonesia is a complex problem for the government which is caused by low income levels that lead to economic vulnerability for families. Many Indonesians, who are predominantly Muslim, tend to underestimate household financial management. This study aims to provide an understanding of financial literacy from an Islamic economic perspective, focusing on the financial management of Muslim families to build strong economic resilience and maintain family welfare. This research method is qualitative literature-based research. The study's results show that the financial management of Muslim families is based on the concept of maqashid sharia and avoid elements of usury, maysir, and gharar to achieve both worldly and spiritual well-being. Islamic principles such as mudharabah, musyarakah, ijarah, qardhul hasan, wakalah, and kafalah can be applied to achieve maqashid sharia. Additionally, the Sakinah Finance model can stabilize the finances of Muslim households. The main challenges in family financial management include a lack of transparency and poor communication between family members. Therefore, family asset management can be implemented by maintaining balanced budget allocations, such as for income, needs, desires, education, inheritance, grants, endowments, and emergency funds.
Co-Authors Alfarisy, Fathor Rozy Binti Zakaria, Zalina Clarashinta Canggih Efendi, Taufik Kukuh Firmanda, Muhammad Esza Maulana Harnum, Mutiara Puspita Isnani, Sofi Putri Masyhuri, Tsabitah Fathin Nurafini, Fira Nurillah, Shinta Lintang Rachma Indrarini Salsabila, Sania Sri Abidah Suryaningsih