ISLAMIC ECONOMY AND BUSSINESS JOURNAL

PENGARUH FINANCIAL TECHNOLOGY SYARIAH TERHADAP MINAT INVESTASI HALAL PADA MAHASISWA GENERASI Z DI UNIVERSITAS ISLAM BATANGHARI

2026-10-01T22:35:05+07:00

The development of financial technology (FinTech) has changed the way people access financial services, including Sharia-compliant services. Sharia financial technology provides convenience in obtaining information and accessing financial products that comply with Islamic principles, including halal investment. This study aims to analyze the effect of Sharia financial technology on halal investment intention among Generation Z students at Universitas Islam Batanghari. This study employed a quantitative approach with a causal associative research design. The sample consisted of 120 respondents selected through purposive sampling. Data were collected using a five-point Likert-scale questionnaire and analyzed through validity, reliability, descriptive, and simple linear regression tests. The results showed that Sharia financial technology had a positive and significant effect on halal investment intention, with a t-value of 9.184 and a significance value of 0.000 < 0.05. The R² value of 0.416 indicates that Sharia financial technology contributed 41.6%, while the remaining 58.4% was influenced by other factors.

ANALISIS EKONOMI ISLAM TERHADAP PELAKSANAAN SISTEM BAGI HASIL ANTARA PEMILIK LAHAN DAN PENGOLAH PERKEBUNAN KELAPA SAWIT DI DESA PENEROKAN KECAMATAN BAJUBANG KABUPATEN BATANG HARI

2026-10-01T23:16:25+07:00

This study aims to examine the mechanism of profit-sharing in oil palm plantation management between landowners and cultivators in Penerokan Village, Bajubang District, Batang Hari Regency, and to analyze its conformity with Islamic economic principles. This research uses a qualitative descriptive approach. Data were obtained through observation, interviews, and documentation involving landowners and plantation workers. The findings show that profit-sharing agreements are generally established through direct deliberation and oral agreements based on mutual trust. The distribution ratios vary according to contribution, including 60:40 and 70:30 arrangements. Landowners generally provide land and, in several cases, seedlings and fertilizer, while cultivators provide labor and plantation maintenance. The practice substantially reflects justice, transparency, mutual consent, and risk sharing and is relevant to the concepts of musaqah and muzara’ah. However, written documentation of agreements remains limited. Therefore, written agreements and transparent recording of harvest and costs are recommended to strengthen legal certainty and prevent future disputes.

STRATEGI PENETAPAN HARGA PADA PEDAGANG SEMBAKO DALAM PERSPEKTIF EKONOMI ISLAM DI PASAR KRAMAT TINGGI MUARA BULIAN

2026-10-01T22:36:08+07:00

This study aims to examine the pricing strategies implemented by basic-goods traders at Kramat Tinggi Market, Batang Hari Regency, and analyze them from an Islamic economic perspective. This study employed a qualitative method with a descriptive approach. Data were collected through interviews, observation, and documentation using primary and secondary sources. The findings indicate that traders determine prices based on prevailing market prices, supply and demand conditions, product quality, and competition among traders. These strategies are implemented to maintain competitiveness and business sustainability. From the perspective of Islamic economics, the pricing practices are generally consistent with Islamic principles because they consider fairness, balanced interests, reasonable profits, and the halal status of traded goods. Price determination is not conducted arbitrarily but adjusted to market conditions. Therefore, the pricing strategies reflect the principles of fairness, balance, and mutual benefit in trading activities and support the sustainability of traders' businesses in a competitive market.

STRATEGI ADAPTASI EKONOMI RUMAH TANGGA MUSLIM BERPENGHASILAN RENDAH: PERSPEKTIF EKONOMI SYARIAH

2026-10-01T22:30:24+07:00

Low-income Muslim households in Rengas Condong Village face various economic challenges, including fluctuations in palm oil commodity prices and high production input costs, particularly fertilizer. This study aims to analyze the economic adaptation strategies of Muslim households in dealing with economic uncertainty from an Islamic economic perspective. This research employed a descriptive qualitative method. Data were collected through in-depth interviews with residents and the Head of Rengas Condong Village, observation of economic activities, and documentation of demographic data and regional profiles. The findings indicate that Muslim households implement adaptation strategies through financial management based on the principle of qana’ah, prioritizing dharuriyat needs, and strengthening ta’awun practices in socio-economic life. These strategies help households maintain economic resilience amid income uncertainty. Sustainable adaptation requires strengthening Islamic values, economic access, infrastructure, and supportive government policies for low-income communities.

Keywords: Islamic Economics, Qana’ah, Ta’awun, Adaptation Strategy, Muslim Households.

Pemberdayaan Ekonomi Masyarakat Melalui Usaha Jamur Tiram: Analisis Perspektif Ekonomi Syariah

2026-09-18T10:32:19+07:00

UMKM merupakan kegiatan ekonomi produktif yang berdiri sendiri,
yang dilakukan oleh orang perorangan atau badan usaha yang bukan
merupakan anak perusahaan atau bukan cabang perusahaan yang
dimiliki, dikuasai, atau menjadi bagian baik langsung maupun tidak
langsung dari usaha menengah atau usaha besar. pada saat ini umkm
sangat berkembang pesat di tengah masyarakat, perkembangan manusia
yang pesat, memunculkan kebutuhan pangan yang meningkat. UMKM jamur tiram
yang terdapat di Jalan Gajah Mada lorong Mitra RT.15 RW 03 merupakan
mata pencarian sebagian masyarakatnya.
Rumusan masalah dalam penelitian ini ialah 1. Bagaimana potensi
umkm dalam meningkatkan kesejahteraan masyarakat. 2. Bagaimana
kontribusi umkm dalam meningkatkan kesejahteraan masyarakat. 3.
Bagaimana potensi dan kontribusi umkm dalam meningkatkan
kesejahteraan masyarakat dalam persfektif ekonomi syariah. Tujuan dari
penelitian ini adalah untuk mengetahui bagaimana potensinya UMKM
tersebut dan bagaimana kontribusinya terhadap lingkungan internal
maupun eksternal dimana usaha tersebut banyak pihak-pihak yang terkait
dalam berjalannya usaha jamur tiram sehingga seperti apa kontribusi yang di
berikan umkm dalam kesejahteraan masyarakat yang terkait usaha jamur tiram
tersebut. Jenis penelitian ini adalah kualitatif dengan sifat penelitian
deskriptif analisis. Sedangkan untuk tehnik pengumpulan datanya ditekankan pada observasi dan wawancara. Dalam metode ini analisis data
yang di gunakan adalah reduksi data, data display, tehnik pemeriksaan.
UMKM di Jalan Gajah Mada lorong Mitra RT 15 RW 03 Kelurahan
Teratai Kecamatan Muara Bulian memiliki potensi untuk berkembang.
Kontribusi yang sangat penting bagi kesejahteraan masyarakat dan
menambah pendapatan masyarakat sekitar sehingga dapat mencukupi
kebutuhan sehari-hari. Usaha tahu ini telah memenuhi proses produksi
dan pemenuhan pendapatan sesuai yang ditetapkan dalam Islam
sehingga mampu meningkatkan kesejahteraan ekonomi masyarakat.

SISTEM PENGUPAHAN PEKERJA BONGKAR MUAT PADA TEMPAT PENGUMPULAN HASIL EKA WIRA FORESTAMA TBS MUARA TEMBESI DALAM PERSPEKTIF EKONOMI ISLAM

2026-10-01T12:57:03+07:00

This study analyzes the wage system for loading and unloading workers at the Eka Wira Forestama Fresh Fruit Bunch (FFB) collection point in Muara Tembesi from an Islamic economics perspective. The study employs a qualitative descriptive approach using observation, in-depth interviews, and documentation. The findings indicate that the wage system is implemented on a piece-rate basis according to the volume of FFB handled, with a tariff of Rp25,000 per ton for loading and Rp40,000 per unit for unloading, while payment is generally made every two weeks in cash. The system provides clarity in the basic calculation of wages, but workers still face fluctuating income, occasional payment delays, manual recording, and the absence of written employment contracts. From the perspective of Islamic economics, the practice contains the elements of ujrah in an ijarah employment relationship, but it has not fully realized the principles of al-'adl, al-amanah, and certainty of the contract. The study recommends written employment agreements, transparent deduction procedures, better recording, minimum-income protection, and a formal complaint mechanism.

Keywords: wage system, ijarah, loading and unloading workers, Islamic economics, FFB collection point