IQTISHADUNA

TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP PRAKTIK PERSONAL SELLING BERBASIS SILATURAHMI DALAM PENGHIMPUNAN DANA DI BMT NU KALISAT

2026-06-16T15:12:53+07:00

This study aims to analyze the unique marketing phenomenon at BMT NU Kalisat, which uses the cultural approach of "Silaturahmi" as a personal selling instrument. From the perspective of Sharia Economic Law, personal interaction in fundraising is not merely a business strategy, but is closely related to the validity of the contract and the ethics of muamalah. Using a descriptive qualitative method, this study found that the practice of silaturahmi at BMT NU Kalisat has fulfilled the pillars and requirements of Wadiah and Mudharabah contracts. This approach has been proven to minimize the element of gharar (unclearness) through transparent face-to-face explanations, while implementing the principle of antaradin (the willingness of both parties).

TEORI KEUANGAN SOSIAL PRODUKTIF ISLAM

2026-06-16T15:25:59+07:00

This study discusses the theory of Islamic Productive Social Finance. Islamic productive social finance is an economic empowerment system based on Sharia philanthropic instruments such as zakat and waqf, aimed at achieving distributive justice and social welfare. This article theoretically examines the concepts of productive zakat and productive waqf as strategic instruments in the economic development of the Muslim community. Productive waqf is understood as the transformation of assets from a consumptive pattern into sustainable investment that generates long-term socio-economic benefits. Meanwhile, productive zakat functions as a mechanism for wealth redistribution that is not merely consumptive, but also transformative through the empowerment of micro-enterprises and the enhancement of the economic capacity of mustahik (zakat beneficiaries). From a microeconomic perspective, zakat and waqf increase purchasing power and productivity among low-income groups. At the macroeconomic level, both contribute to poverty reduction, income distribution, and economic stability. The integration of professional governance, digital innovation, and institutional synergy are important factors in optimizing Islamic productive social finance. Therefore, zakat and waqf are not only spiritual in dimension, but also serve as instruments for inclusive and sustainable economic development.

STRATEGI BERSAING PEDAGANG KULINER MUSLIM DI KAWASAN WISATA DANAU AUR DALAM MENGHADAPI PERSAINGAN BISNIS

2026-06-16T15:33:24+07:00

This study aims to analyze the competitive strategies implemented by Muslim culinary traders in the Danau Aur tourist area and to identify the challenges they face in maintaining their businesses. The study employed a qualitative approach with a descriptive design. Data were collected through observation, interviews, and documentation involving Muslim culinary traders operating in the Danau Aur tourist area, Musi Rawas Regency. Data analysis was conducted through data reduction, data presentation, and conclusion drawing. The findings indicate that the dominant strategy adopted by traders is differentiation, which is reflected in maintaining food quality, using fresh ingredients, ensuring cleanliness, providing friendly services, and arranging floating restaurants to create a comfortable atmosphere for visitors. In addition, traders apply cost leadership by adjusting prices to market conditions and focus strategies through the selection of strategic business locations. The challenges encountered include increasing raw material prices, similarity of products among traders, weather conditions, and varying customer characteristics. The study concludes that appropriate competitive strategies and the implementation of Islamic business ethics are essential for sustaining culinary businesses in the tourism sector.

HUBUNGAN PENGGUNAAN E-WALLET TERHADAP PERILAKU KONSUMTIF MASYARAKAT REJANG LEBONG DENGAN LITERASI KEUANGAN SEBAGAI VARIABEL MODERASI

2026-08-13T10:18:58+07:00

This study aimed to analyze the effect of e-wallet usage on consumptive behavior, the effect of financial literacy on consumptive behavior, and the role of financial literacy as a moderating variable in the relationship between e-wallet usage and consumptive behavior among the people of Rejang Lebong Regency. This study employed a quantitative approach with an associative research design. The sample consisted of 351 active e-wallet users selected through purposive sampling. Data were collected through online questionnaires and analyzed using Structural Equation Modeling-Partial Least Square (SEM-PLS). The results showed that e-wallet usage had a positive and significant effect on consumptive behavior. Financial literacy also had a positive and significant effect on consumptive behavior. However, financial literacy was unable to moderate the relationship between e-wallet usage and consumptive behavior. These findings indicate that external factors, such as technological convenience, promotional offers, and lifestyle, play a more dominant role in influencing consumption behavior than individuals' level of financial understanding.