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All Journal International Journal of Islamic Economics and Finance (IJIEF) Journal of Islamic Monetary Economics and Finance Wasilatuna: Jurnal Komunikasi dan Penyiaran Islam Ibtida: Media Komunikasi Hasil Penelitain Pendidikan Guru Madrasah Ibtidaiyah Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) DA'WA: Jurnal Bimbingan Penyuluhan & Konseling Islam Jurnal Ekonomi, Bisnis dan Manajemen
Windari
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 1 
Determinan Ekspor di Indonesia Windari; Nurjannah; Miswar
Jurnal Ekonomi, Bisnis dan Manajemen Vol. 3 No. 4 (2024): Desember : Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN)
Publisher : FEB Universitas Maritim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/ebismen.v3i4.2630

Abstract

Penelitian ini bertujuan untuk mengeksplorasi faktor makroekonomi yang mempengaruhi ekspor di Indonesia. Data yang digunakan dalam penelitian ini adalah data sekunder yaitu data ekspor, inflasi, suku bunga, dan nilai tukar pada periode 1998-2022 yang dipublikasikan oleh Badan Pusat Statistik dan Bank Indonesia. Penelitian ini menggunakan pendekatan kuantitatif. Metode analisis data yang digunakan dalam penelitian ini adalah model Vector Error Correction Model (VECM) dengan data time series, data diolah dengan menggunakan program eviews 10. Hasil pengujian VECM dalam jangka panjang inflasi berpengaruh positif dan signifikan terhadap ekspor, suku bunga berpengaruh negatif dan signifikan terhadap ekspor. Untuk jangka pendek inflasi berpengaruh negatif dan signifikan terhadap ekspor, suku bunga berpengaruh positif dan signifikan terhadap ekspor, dan nilai tukar pada jangka panjang dan pendek berpengaruh negatif dan tidak signifikan terhadap ekspor.
Peran Guru dalam Pembentukan Akhlakul Mahmudah di Madrasah Ibtidaiyah Musyaffa, A.A; Windari; Wahyuningtyas, Ika Panggih
IBTIDA' Vol. 5 No. 2 (2024): IBTIDA' NOVEMBER 2024
Publisher : FAKULTAS AGAMA ISLAM UNIVERSITAS BILLFATH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37850/ibtida'.v5i2.702

Abstract

In overcoming the diverse character of students, it is necessary that the role of teachers in the formation of akhlakul mahmudah is an important part of the school environment of Madrasah Ibtidaiyah Al-Mukhlisin. This study uses a descriptive qualitative method. The instruments of this research use interviews, observations, and documentation of data sources used are school principals, grade IV homeroom teachers, moral faith teachers, and grade IV students. This study uses the following data analysis methods: data collection, data reduction, data presentation, and summary of research results. The results of the study show that teachers have a significant influence on the moral development of their students through guidance and direction, which they include various religious activities in the school curriculum. In addition to the diverse traits and characteristics of students, it requires an individual approach to each student, such as internal and environmental factors also provide an influence that hinders the formation of simple moral values in students. Teachers need to implement strategies to instill akhlakul mahmudah in students who are positive role models for students to cultivate habits, provide guidance and direction to students, and show a firm attitude towards students.
Revitalisasi Peran Konselor: Arah Baru Konseling Berbasis Kipas Menuju Profesionalisasi Konselor Rifai, Rochiyatin; Utari, Nita Aprilia; Annajih, Moh Ziyadul Haq; Zahrial, Sofian; Dwi Putri Handayani; Windari
DA'WA: Jurnal Sosial dan Dakwah Vol 3 No 1 (2023)
Publisher : Program Studi Bimbingan Penyuluhan Islam Fakultas Dakwah IAI Miftahul Ulum Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36420/dawa.v3i1.208

Abstract

Bimbingan dan konseling di Indonesia telah resmi masuk sejak 1975. Namun, dalam praktiknya bimbingan konseling kerap mengalami kendala, sehingga eksistensinya cendrung bernada negatif. Hal tersebut disebabkan oleh beberapa faktor, yaitu keterbatasan kualitas sumber daya manusia dalam bidang bimbingan dan konseling. Karenanya, dalam implementasinya layanan konseling di sekolah kurang efektif. Model konseling KIPAS hadir menjadi tawaran alternatif terhadap problematik tersebut. Konsepsi KIPAS menawarkan posisi diri sebagai syarat kualitas upaya meminimalisir nada negatif terhadap bimbingan dan konseling. KIPAS yang merupakan akronim (posisi diri) dari (1) kawan, (2) inovator, (3) pamong, (4) abdi, dan (5) supporter. Dalam implementasinya, langkah model KIPAS yaitu, (1) kabar gembira; (2) integrasi dan internalisasi; (3) perencanaan tindakan; (4) aktualisasi; dan (5) sertifikasi. Hal ini menunjukkan bahwa konsepsi konseling KIPAS memang dipersiapkan untuk menjadi tawaran mencerahkan bagi ketimpangan pelaksanan bimbingan konseling selama ini. Melalui konsepsi ini, diharapkan terciptanya suasana baru yang lebih menggembirakan dan mengubah stigma konseling ke arah yang lebih baik.
Is There a Proclivity Among Muslim Millennials to Engage with Sharia Digital Pawnbroking Services? Windari; Hasibuan, Abdul Nasser; Afandi, Ahmad
International Journal of Islamic Economics and Finance (IJIEF) Vol. 8 No. 1 (2025): IJIEF Vol 8 (1), January 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v8i1.22219

Abstract

PT. Pegadaian has recorded increased digital application users, especially Sharia digital pawnshop service. This study examines the primary elements that enable using Sharia pawnshop digital service applications. Modeling UTAUT technology adoption as an approach to this investigation and providing trialability and efficiency to assess objectives to employ digital service Sharia pawnshop tools. The data was acquired from 218 millennial Muslims in Indonesia using a questionnaire. This research relies on AMOS Partial Least Squares Structural Equation Modelling (PLS-SEM) to forecast a collection of latent variable indicators generated through numerous dimensions and indicators. Statistically, millennial Muslims' desire to benefit from virtual Sharia pawnshop services is substantially impacted by circumstances of facilitation, trialability, and efficiency. The foundation of the UTAUT model (performance expectations, effort expectations, and social impact) has not been able to nurture the desire to comply with the digital service Sharia pawnshop platform. Then, the purpose of use immensely impacts the behavior of utilizing online resources in Sharia pawnshop applications. This study reveals untapped areas of trialability and efficiency, notably technology adoption. Sharia internet pawnshop services are relatively new, which is why these two factors are used. PT Pegadaian Shariah (Pawnshop Shariah - Persero) must scrutinize its operation so that lapses do not arise and make consumers feel safer conducting transactions using this application. Remember that the Sharia Digital Pawnshop Service (PSDS) aims to broaden the target market, particularly the millennial generation, and the market competition.
SHARIA PRINCIPLES IN WEALTH MANAGEMENT: THEORY AND PRACTICE Windari; Sugianto; Marliyah
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 4 No. 4 (2024): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v4i4.2317

Abstract

Sharia-based wealth management is increasingly important in the context of global finance that demands a fair and ethical approach. This article aims to explore the application of sharia principles in wealth management, with a focus on the challenges and opportunities faced in practice. This study uses a qualitative method with data collection through interviews and observations in Islamic financial institutions to understand how these principles are applied in day-to-day operations. The data used include interviews with financial institution managers, customers, and sharia experts, as well as document analysis related to wealth management policies and practices. The results of the study indicate that although Islamic financial institutions have great potential to improve community welfare through ethical wealth management, they still face various challenges in implementing sharia principles consistently. Interesting findings from this study indicate that the lack of understanding of sharia financial products among the community is a major obstacle. In addition, inconsistent regulations also reduce the effectiveness of the application of sharia principles in practice. The implications of this study indicate the need to improve sharia financial literacy among the community and develop clearer regulations to support the growth of this sector.
IS IMPULSIVE BUYING FOR MUSLIM FASHION PRODUCTS INVARIABLY FOLLOWED BY POST-PURCHASE REGRET? THE ROLE OF S-O-R THEORY Hasibuan, Abdul Nasser; Afandi, Ahmad; Windari
Journal of Islamic Monetary Economics and Finance Vol. 11 No. 3 (2025)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v11i3.2074

Abstract

The growth of e-commerce has not only expanded the Muslim fashion industry but also fostered impulsive buying among customers. This article analyses the behaviour of Muslim customers using the S-O-R model to detect impulsive buying and subsequently post-purchase regret.  In the analysis, we consider the role of religiosity in the link between the two. We collect data via self-administered questionnaires from 312 Muslim respondents and apply Partial Least Square structural equation modelling (PLS-SEM) to analyse the data using AMOS version 24.0. The results suggest that scarcity cues, fear of missing out, and live commerce have a significant influence on impulsive buying. Additionally, scarcity cues can lead to fear of missing out, based on their positive worth. The impulsive buying also invariably culminates in post-purchase regret. However, religion weakens the link between impulsive buying and post-purchase regret.  Religiosity also reduces post-purchase regret. The results of our study can help authorities in understanding purchasing behavior of Muslims and consequently crafting initiatives to encourage purposeful purchase of fashions by Muslims.
MACRO ECONOMIC REVIEW OF JA KARTA ISLAMIC INDEX STOCK RETURNS Windari; Dede Ruslan; M. Fitri Rahmadana
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 4 (2024): August
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v4i4.1799

Abstract

This study tries to examine the problem of whether there is macroeconomic influence (inflation, Indonesian interest rates) on JII stock returns on the IDX. The data used in this study is secondary data using combined time series data (time period) with Cross Section data (8 selected companies) based on the annual financial statements of shares that are incorporated in the JII from 2018-2023. The results of both simultaneous and partial data processing show that Macroeconomics (inflation and Indonesian interest rates) affect stock returns with a significance level below 0.05. Stocks of companies classified in the Jakarta Islamic Index are those whose types, products, services provided, contracts, and management methods do not contradict Sharia principles. Similarly, regarding profit-sharing, it must also comply with Sharia principles, devoid of interest elements, as interest falls under usury, and activities involving usury are prohibited in the Sharia capital market in accordance with the fatwa decision of the National Sharia Council No: 40/DSN-MUI/X/2003.
IMPLICATIONS OF FORTUNE IN A HOUSEHOLD IN SURAH AT-TALAQ VERSES 2, 3, 5 AND 7 Ali Hardana, Ali Hardana; Windari; Azhari Akmal Tarigan; Albani Nasution, Muhammad Syukri
Wasilatuna: Jurnal Komunikasi dan Penyiaran Islam Vol. 7 No. 01 (2024): Wasilatuna: Jurnal Komunikasi Penyiaran Islam
Publisher : Program Studi Komunikasi dan Penyiaran Islam Fakultas Dakwah Universitas Islam Internasional Darullughah Wadda'wah Bangil Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/wasilatuna.v7i01.1345

Abstract

Pernikahan adalah institusi suci dalam agama Islam yang memiliki dampak mendalam pada kehidupan individu. Surah At-Talaq membahas aspek perceraian dalam Al-Qur'an. "Barang siapa bertakwa kepada Allah, niscaya Dia akan mengadakan baginya jalan keluar. Dan memberinya rezeki dari arah yang tidak disangka-sangkanya". Surah ini menekankan pentingnya perlakuan adil terhadap istri, terutama selama masa iddah. Suami diingatkan untuk tidak menyalahgunakan talak sebagai alat untuk menyakiti atau menzalimi istri. "Hendaklah orang yang mempunyai kelapangan memberikan nafkah menurut lapang rezekinya dan orang yang rezekinya sempit, hendaklah memberikan nafkah dari harta yang diberikan Allah kepadanya". Metode Penelitian menggunakan kualitatif deskriptif. Dan menggunakan analisis data keabsahan data, reduksi data dan triangulasi. Hasil penelitian misteri ekonomi dalam pernikahan sering kali berkaitan dengan bagaimana pasangan dapat mengelola perbedaan, komunikasi terbuka, dan kemampuan untuk bekerja sama dalam mencapai tujuan keuangan bersama. Komunikasi yang baik, keadilan, dan perencanaan yang matang dapat membantu menjawab sejumlah misteri dan mengatasi tantangan yang mungkin muncul dalam konteks ekonomi pernikahan.
Co-Authors Abdul Nasser Hasibuan Ahmad Afandi Ali Hardana Annajih, Moh Ziyadul Haq Azhari Akmal Tarigan DEDE RUSLAN Dwi Putri Handayani Marliyah Miswar Muhammad Syukri Albani Nasution Musyaffa, A.A Nurjannah Rahmadana, Muhammad Fitri Rifai, Rochiyatin Sugianto Utari, Nita Aprilia Wahyuningtyas, Ika Panggih Zahrial, Sofian