Aminah Nuriyah, M.E.

Aminah Nuriyah, M.E.

Manajemen Bisnis Syariah
Biografi

Peneliti LPPM Tazkia

14

Penelitian

4

Pengabdian Masyarakat

Pengabdian

Tanggal Publikasi: 11 Mei 2026

BIMBINGAN ITU MINTA KEPUTUSAN, BUKAN MINTA SEMANGAT

Pendahuluan: Navigasi Intelektual dalam Bimbingan Skripsi
Dalam proses penyusunan skripsi, bimbingan akademik sering kali dipahami secara keliru. Banyak mahasiswa datang kepada dosen pembimbing dengan harapan mendapatkan dorongan moral, kata-kata penyemangat, atau bahkan validasi emosional. Padahal, hakikat bimbingan skripsi bukanlah ruang konseling motivasional, melainkan forum akademik untuk mengambil keputusan ilmiah. Kalimat “bimbingan itu minta keputusan, bukan minta semangat” mencerminkan realitas penting yang kerap terabaikan dalam dunia akademik.
Skripsi adalah karya ilmiah yang menuntut kejelasan arah, ketegasan metodologis, dan konsistensi logis. Semua itu hanya dapat dicapai melalui keputusan-keputusan yang tepat, bukan sekadar rasa percaya diri atau motivasi sesaat. Oleh karena itu, pemahaman yang tepat tentang makna bimbingan menjadi kunci keberhasilan mahasiswa dalam menyelesaikan skripsi secara tepat waktu dan bermutu.
Pergeseran paradigma dari bimbingan berbasis emosi ke bimbingan berbasis keputusan sangat krusial karena skripsi merupakan bentuk ujian kemandirian berpikir. Mahasiswa seringkali terjebak dalam "kecemasan akademik" yang membuat mereka mencari perlindungan emosional daripada solusi teknis (Hidayat & Nurhayati, 2021). Padahal, ketergantungan pada motivasi luar hanya akan memperlambat proses penelitian karena motivasi bersifat fluktuatif, sedangkan keputusan ilmiah bersifat permanen dan progresif. Tanpa keputusan yang tegas terhadap draf yang diajukan, mahasiswa akan terus berada dalam ketidakpastian yang justru meningkatkan tingkat stres mereka di kemudian hari.
Dalam konteks manajemen riset, setiap sesi pertemuan antara dosen dan mahasiswa haruslah menghasilkan sebuah output yang konkret. Bimbingan yang efektif adalah bimbingan yang berhasil mereduksi

Penelitian

Tanggal Publikasi: 31 Des 2025

Public Comprehension on Online Loan Usage (Pinjol): The Effect of Advertisement, Islamic Financial Literacy, And Lifestyle

This study aims to analyze the influence of online loan advertisement, Islamic financial literacy, and lifestyle on public’s comprehension and decision in online loan making. This research uses a quantitative approach with Muslim consumers in the Greater Jakarta (Jabodetabek) area as the target population. Data were collected through a questionnaire distributed via Google Form, involving 195 respondents. The data were analyzed using Structural Equation Modeling–Partial Least Square (SEM–PLS). The results show that online loan advertisement (X1) and lifestyle (X3) have a significant and positive influence on public decision in making online loans. However, Islamic financial literacy (X2) does not have significant influence on public decision in making online loans.

Pengabdian

Tanggal Publikasi: 29 Des 2025

Memberdayakan Generasi Muda Melalui KompetisiKewirausahaan: Studi Kasus Tazkia Youth Preneur Competition 2024

We held the 2024 Tazkia Youth Preneur Competition to empower SMA, SMK, and MAN students throughout Indonesia by providing a dynamic platform to explore and develop local products. This event aims to instill awareness in the younger generation about the importance of their contribution to driving the regional economy through entrepreneurship. This competition uniquely integrates service-learning methodology, allowing participants to engage directly with local communities, such as farmers and artisans, fostering impactful collaboration and practical learning experiences. More than just a competition, this event is an effort to introduce and integrate the values and potential of the Tazkia Institute as a center of excellence in entrepreneurial learning and innovation. The results of this study indicate a high level of participant satisfaction, with many feeling motivated to realize their business ideas. Participants will receive intensive training and materials on entrepreneurship fundamentals, product innovation, and effective marketing strategies. The 2024 Tazkia Youth Preneur Competition, through its practical and interactive approach, aims to inspire Indonesian youth to harness their potential as catalysts for innovative and significant economic transformation

Penelitian

Tanggal Publikasi: 30 Des 2025

Waqf for Economic Empowerment in Indonesia: Assessing the Effect of Institutional Trust and Waqf Innovation Using SEM PLS

Waqf is an Islamic philanthropic instrument with significant potential to support sustainable economic empowerment in society. In Indonesia, the realization of productive waqf remains suboptimal, despite the estimated potential of cash waqf exceeding IDR 180 trillion annually. Low public participation in productive waqf is partly due to a lack of trust in waqf management institutions (institutional trust) and limited innovation in waqf practices (waqf innovation). This study aims to examine the influence of institutional trust and waqf innovation on waqf participation intention, and its impact on economic empowerment, with waqf participation intention as a mediating variable. A quantitative approach was employed using the Structural Equation Modeling – Partial Least Squares (SEM-PLS) method. Data were collected through an online questionnaire involving 150 Muslim respondents in Indonesia who are familiar with waqf programs. The results reveal that both institutional trust and waqf innovation is not significantly affect waqf participation intention. Furthermore, waqf participation intention positively influences economic empowerment and mediates the relationship between institutional trust, waqf innovation, and economic empowerment. These findings highlight the crucial role of enhancing trust and innovation in optimizing waqf as a sustainable and inclusive tool for economic empowerment in Indonesia.

Penelitian

Tanggal Publikasi: 8 Okt 2025

EDUKASI DAN LITERASI EKONOMI SYARIAH DIGITAL: MEMBANGUN PEMAHAMAN DAN PEMANFAATAN DI ERA MODERN

Perkembangan teknologi informasi telah merevolusi berbagai aspek kehidupan manusia, termasuk dalam sektor pendidikan dan ekonomi. Salah satu perubahan signifikan adalah hadirnya digital learning dan e-courses yang memungkinkan proses pembelajaran berlangsung secara fleksibel, kapan saja dan di mana saja. Dalam konteks ekonomi syariah, digital learning memberikan peluang besar dalam menyebarkan pemahaman prinsip-prinsip syariah kepada masyarakat luas. Digital learning adalah proses pembelajaran yang memanfaatkan teknologi digital untuk menyampaikan materi pendidikan, baik melalui platform website, aplikasi mobile, video streaming, hingga learning management system (LMS). E-courses dalam bidang ekonomi syariah kini tersedia dalam berbagai format, mulai dari kursus singkat, webinar, hingga program sertifikasi resmi dari institusi pendidikan atau otoritas keuangan syariah.

Penelitian

Tanggal Publikasi: 8 Okt 2025

EDUKASI DAN LITERASI EKONOMI SYARIAH DIGITAL: MEMBANGUN PEMAHAMAN DAN PEMANFAATAN DI ERA MODERN

Perkembangan teknologi informasi telah merevolusi berbagai aspek kehidupan manusia, termasuk dalam sektor pendidikan dan ekonomi. Salah satu perubahan signifikan adalah hadirnya digital learning dan e-courses yang memungkinkan proses pembelajaran berlangsung secara fleksibel, kapan saja dan di mana saja. Dalam konteks ekonomi syariah, digital learning memberikan peluang besar dalam menyebarkan pemahaman prinsip-prinsip syariah kepada masyarakat luas. Digital learning adalah proses pembelajaran yang memanfaatkan teknologi digital untuk menyampaikan materi pendidikan, baik melalui platform website, aplikasi mobile, video streaming, hingga learning management system (LMS). E-courses dalam bidang ekonomi syariah kini tersedia dalam berbagai format, mulai dari kursus singkat, webinar, hingga program sertifikasi resmi dari institusi pendidikan atau otoritas keuangan syariah.

Penelitian

Tanggal Publikasi: 13 Sep 2024

Analisis Pengaruh Kemudahan, Efisiensi, dan Reliability Penggunaan terhadap Minat Penggunaan Media Chatbot Sebagai Sarana dalam Pemasaran Digital (Studi Kasus Pedagang E-Commerce)

This research aims to analyze the direct influence of the variables ease of use, efficiency and reliability of use on interest in using chatbot media as a means of digital marketing. This research is quantitative research. The type of data used is primary data obtained through a questionnaire that was distributed to a total of 199 respondents and secondary data obtained from literature related to the problems studied. The data analysis technique used is descriptive statistics and Structural Equation Modeling (SEM) analysis with the Partial Least Square (PLS) method, all data of which will be processed in the Smartpls 4 application. The results of this study found that there is a positive and significant influence between the ease of use variable on interest in use, then the variable efficiency of use on interest in use and the positive and insignificant influence between the variable reliability of use on interest in using chatbot media as a means of digital marketing


 

Penelitian

Tanggal Publikasi: 13 Sep 2024

Pengaruh Citra Merek, Harga, Kualitas Produk dan Promosi terhadap Keputusan Pembelian

The reason researchers chose the uniqlo brand as research in Jabodetabek is based on the very high mobility of the capital city community, requiring comfortable clothing for outdoor and indoor activities. This study was conducted to determine the effect of brand image, price, product quality and promotion on purchasing decisions of uniqlo consumers in the cities of Jakarta, Bogor, Depok, Tangerang and Bekasi. The research methodology uses a descriptive quantitative approach using multiple linear regression analysis which includes classical assumption tests, hypothesis testing and multiple linear regression analysis. Based on the results of multiple linear regression analysis, the equation purchase decision (Y) = 2.752 + 0.273(brand image) + 0.279(price) + 0.230(product quality) + 0.022(promotion) with an r square value of 0.431. The independent variable in this study only has a contribution of 43.1% to influence the dependent variable. While the other 56.9% is influenced by other factors.

Penelitian

Tanggal Publikasi: 1 Agt 2024

Factors Affecting Mobile Banking Satisfaction: A Case Study of Bank

Syariah Indonesia

Main Objective The purpose of this study was to determine the effect of efficiency, fulfilment, system availability, privacy, responsiveness, feature and reliability to customer satisfaction study case in Indonesia Sharia Bank in JABODETABEK. Method This research uses a descriptive quantitative approach with a case study of PT.Bank Syariah Indonesia in JABOBETABEK costumer. The data collection technique was obtained from distributing questionnaires via google form and the data was processed using software. By using multiple linear regression analysis. Key Findings The results showed that the seven variables had a significant effect on mobile banking customer satisfaction. The strongest dimensions in explaining the quality of BSI mobile services are feature, reliability, and privacy, respectively. Factors affecting reliability and feature variables have the strongest influence on mobile banking customer satisfaction. Theoretical and Practical Implications The results of this study show that system vailability and responsiveness have no effect on mobile banking customer satisfaction, indicating that customer satisfaction is not directly influenced by the BSI mobile system which is not the main factor taken into consideration by customers in using the mobile BSI.

Penelitian

Tanggal Publikasi: 16 Mar 2024

The Influence of Islamic Financial Literacy, Income, and Lifestyle on Financial Management among Housewives

This research discusses the influence of Islamic financial literacy, income, and lifestyle on financial management among housewives (a case study in Jabodetabek). The research adopts a quantitative approach using Multiple Linear Regression method, focusing on a case study in Jabodetabek. The data for this study were collected through questionnaires distributed to respondents who are Muslim housewives with income. The findings of this research are as follows: 1) Islamic financial literacy does not have a significant influence on financial management among housewives. 2) Income has a significant influence on financial management among housewives. 3) Lifestyle has a significant influence on financial management among housewives. 4) Islamic financial literacy, income, and lifestyle collectively have an influence on financial management among housewives. Keywords: Islamic financial literacy, financial management, financial planning.

Pengabdian

Tanggal Publikasi: 31 Des 2023

Pengabdian Masyarakat Kegiatan Bersih-Bersih dan Penyuluhan Usaha Kampung di Cadasngampar oleh Mahasiswa IIUM Bersama IAI Tazkia

The community service of IIUM students in collaboration with IAI Tazkia encompasses two activities focusing on village cleanup and education in Kampung Cadasngampar. The first activity involves cleaning the village with the intention of preserving and tidying up the environment within a village or settlement. This activity goes beyond physical cleanliness, aiming to create environmental awareness and concern for the cleanliness of the surroundings. Additionally, students are also engaged in educational activities with school dropouts. The purpose of this initiative is to provide informal learning opportunities for children who have discontinued formal schooling or lack access to formal education. Through this interaction, they strive to provide education and basic skills to children, enabling them to develop their potential even without following the formal education path. This community service reflects the commitment of IIUM students and IAI Tazkia to make a positive impact on the local community, addressing both environmental cleanliness and informal education for those in need.

Pengabdian

Tanggal Publikasi: 31 Des 2023

Youth Strategies in Economic Empowerment

The research "Youth Strategy in Economic Empowerment" thoroughly examines the strategic significance of young people in promoting economic growth, particularly within the halal industrial sector. This study emphasizes the significant contribution that young people, who constitute a crucial segment of the world population, may make to the advancement of socioeconomic development. This research uncovers the most recent developments in the halal business by means of seminars including prominent speakers like Prof. Dr. Marco Tieman. It focuses on crucial elements such as supply chains and ecosystems. The paper's conclusion underscores the significance of innovation and the contributions of young individuals, serving as inspiration for aspiring entrepreneurs in the global development of the halal industry.

Penelitian

Tanggal Publikasi: 31 Jan 2024

Islamic Service, Branding, And Advertising Influence 212 Mart Co-Op Consumer Loyalty

Purpose: This thesis explores the impact of Islamic Service Quality, Islamic Branding, and Islamic Advertising on consumer loyalty within the 212 Mart Co-ops. Employing a quantitative approach, this study aimed to understand the dynamics of consumer loyalty in this context.

Methodology/approach: Quantitative data were gathered through questionnaires, and Multiple Linear Regression was utilized for analysis. This study adopted a quantitative methodology supported by the SPSS program for data management and analysis.

Results/findings: This study reveals the significant influences of Islamic Service Quality and Islamic Branding on consumer loyalty in the 212 Mart Co-ops. However, Islamic Advertising does not exhibit a notable impact on consumer loyalty. Interestingly, Islamic service quality and branding collectively exert a significant influence on consumer loyalty.

Limitations: Acknowledging its boundaries, the study was confined to quantitative data, potentially influenced by biases in questionnaire responses. Additionally, the exclusion of other variables that impact consumer loyalty is recognized as a limitation.

Contribution: This research makes a noteworthy contribution by emphasizing the considerable impact of Islamic Service Quality and Islamic Branding on consumer loyalty within the 212 March Co-op. This study provides valuable insights for marketers and policymakers, suggesting avenues to enhance these aspects for an overall improvement in consumer loyalty.aspects for an overall improvement in consumer loyalty.

 

Penelitian

Tanggal Publikasi: 15 Jan 2024

The imbalance between the number of Indonesian Muslims and the interest in saving in Islamic banks makes for a very interesting problem to study. This study aims to look at the factors that influence interest in saving in sharia banks, especially the Bank XYZ Branch. This research uses descriptive and quantitative methods. The tools used are distributing questionnaires to 43 Bank XYZ Branchcustomers with the likerts approach; besides that, this research uses two models, namely the ANN (artificial neural network) and partial least squares (PLS-SEM) models. The sample obtained from this study was 43customers with various professions. The result of this research is that the religious knowledge factor is the factor that most influences interest in saving, witha value of 42.02%, followed by a promotional factor of 38.36%. While the product factor is not very influential with a value of only 19.61%, it is no different from the results of PLS-SEM, namely that religious knowledge and promotion are the most influential things significantly, while bank products do not affect saving in Islamic banks. The results of this study can help Islamic banking parties, especially the Bank XYZ Branch, map prospective customers who want to be prospected.Keywords:Interest in Saving, Religious Knowledge, Promotion, Products, Islamic BanksAbstrak.Ketimpangan antara jumlah penduduk muslim Indoensia dengan minat menabung di bank syariah menjadikan masalah yang sangat menarik untuk diteliti. Penelitian ini bertujuan untuk melihat faktor-faktor yang mempengaruhi minat menabung di bank syairah khususnya Cabang Bank XYZ.Penelitian ini menggunakan metode kuantitatifdepskriptif. Alat bantu yang digunakan yaitu menyebarkankuesioner kepada43 nasabah Cabang Bank XYZdengan pendekatan likerts, selain itu penelitian ini menggunakan2 model yaitumodel ANN (Artificial Neural Network)dan Partial Least Square (PLS-SEM).Sampel yang didapat dari penelitian ini sebanyak 43nasabah denagn berbagai profesi. Hasil dari peneltianini adalah faktor pengetahuan agama menjadi faktor yang paling mempengaruhi minat menabung dengan nilai 42,02%, diikuti dengan faktor promosi yaitu 38,36%. Sedangkan faktor produk sangat tidak berpengaruh dengan nilai hanya 19,61%. Tidak berbeda dengan hasil PLS-SEM yaitu pengetahunan agama dan promosi menjadi hal yang paling berpengaruh secara signifiakn, sedangkan produk bank tidak mempengaruhi dalam menabung di bank syariah. Hasil penelitian ini dapat membantu pihak perbankan syariah, khususnya Cabang Bank XYZuntuk dapat memetakan calon nasabah yang ingin diprospek.

 


 

Penelitian

Tanggal Publikasi: 24 Jul 2023

The impacts of Covid-19 on macroeconomic indicators and the performance of Islamic banks in Indonesia

The purpose of this study was to determine the extent of the impact of Covid-19 on the macroeconomic indicators and financial performance of Islamic banks in Indonesia. The results of this study may serve as a reference for the Indonesian government and Islamic banks’ stakeholders in formulating strategic decisions in creating innovative solutions during the Covid-19 pandemic. Quantitative research method with 2 approaches, namely Partial Least Square-Structural Equation Modeling (PLS-SEM) and Artificial Neural Networks (ANN) was selected for this study. This study demonstrated that macroeconomic indicators were significantly affected by the Covid-19 pandemic. However, the results of the ANN and PLS-SEM models varied. The PLS-SEM model illustrated the impact of the Covid-19 pandemic affecting the performance of Islamic banking, while the ANN model did not. This research has implications for stakeholders, especially the government to maintain macroeconomic stability, while for Islamic banking management to focus more on product innovation and service excellence so that it can be closer to the public, especially Muslims community. Numerous studies examining macroeconomics and the financial performance of Islamic banking have been conducted. This study aimed to offer an alternative perspective by using two models, namely PLS-SEM and ANN.