Ruri Mustika
Universitas Islam Negeri Imam Bonjol Padang

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Household Economic Management among Muslim Single-Parent Families in a Matrilineal Context Almizan Almizan; Erizal Candra Efendi; Ruri Mustika; Wildan Hadi; Indah Permata Sari
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 15 No. 1 (2026)
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.0036

Abstract

This study is situated within the growing attention to non-traditional family structures and their economic dynamics, particularly in contexts where cultural norms and religious values intersect with household decision-making. It examines how Muslim single-parent families in West Sumatra manage household economics within a matrilineal cultural setting. The study aims to understand income management, expenditure prioritization, and economic coping strategies under conditions of income instability and intensive caregiving responsibilities. A qualitative case study approach is employed, drawing on in-depth interviews with single-parent household heads and analyzed through thematic analysis. The findings reveal that these households operate as active and adaptive microeconomic units. Income management commonly relies on a single primary livelihood or a limited combination of flexible informal activities. Expenditures are structured hierarchically, prioritizing basic needs, children’s education as a long-term investment, and health care as situational spending, with halal consumption serving as a guiding principle. Coping strategies include consumption control, income diversification, and reliance on extended family and social networks as informal safety nets, reinforced by the matrilineal kinship system. Economic decisions are shaped not only by rational considerations but also by internalized Islamic values such as nafkah, amanah, moderation (wasatiyyah), and perceptions of barakah. These findings highlight the importance of integrating household economics with Islamic and socio-cultural perspectives to better understand economic behavior in Muslim single-parent households and to inform more context-sensitive policy and empowerment strategies. ABSTRAK - Pengelolaan Ekonomi Rumah Tangga pada Keluarga Single-Parent Muslim dalam Konteks Budaya Matrilineal. Penelitian ini berangkat dari meningkatnya perhatian terhadap dinamika ekonomi rumah tangga dalam struktur keluarga non-tradisional, khususnya ketika nilai-nilai budaya dan agama berperan dalam membentuk pengambilan keputusan ekonomi. Studi ini bertujuan untuk menganalisis pengelolaan ekonomi rumah tangga pada keluarga single parent Muslim dalam konteks budaya matrilineal di Sumatera Barat, dengan fokus pada pengelolaan pendapatan, penentuan prioritas pengeluaran, serta strategi bertahan ekonomi di tengah ketidakstabilan pendapatan dan tingginya tanggung jawab pengasuhan. Penelitian ini menggunakan pendekatan kualitatif dengan desain studi kasus. Data dikumpulkan melalui wawancara mendalam terhadap kepala rumah tangga single parent Muslim dan dianalisis menggunakan analisis tematik. Hasil penelitian menunjukkan bahwa keluarga single parent Muslim berfungsi sebagai unit ekonomi mikro yang aktif dan adaptif. Pengelolaan pendapatan umumnya bertumpu pada satu sumber nafkah utama atau kombinasi terbatas aktivitas ekonomi informal yang fleksibel. Struktur pengeluaran disusun secara hierarkis dengan memprioritaskan pemenuhan kebutuhan dasar dan pendidikan anak sebagai investasi jangka panjang, sementara pengeluaran kesehatan bersifat situasional dan konsumsi halal menjadi prinsip pengarah. Strategi bertahan ekonomi meliputi pengendalian konsumsi, diversifikasi sumber pendapatan, serta pemanfaatan dukungan keluarga besar dan jaringan sosial sebagai jaring pengaman informal yang diperkuat oleh sistem kekerabatan matrilineal. Pengambilan keputusan ekonomi tidak hanya didasarkan pada rasionalitas ekonomi, tetapi juga dipengaruhi oleh nilai-nilai Islam seperti nafkah, amanah, kesederhanaan (wasatiyyah), dan persepsi barakah. Temuan ini menegaskan pentingnya pendekatan kontekstual dan berbasis nilai dalam memahami perilaku ekonomi rumah tangga single parent Muslim serta perumusan kebijakan yang lebih responsif.
Economic Dynamics of Muslim Households in the Childfree Phenomenon: An Islamic Financial Planning Perspective Almizan Almizan; Erizal Candra Efendi; Wildan Hadi; Ruri Mustika
MARGIN ECO Vol. 10 No. 1 (2026): Margin Eco: Jurnal Ekonomi dan Perkembangan Bisnis
Publisher : LPPM Universitas KH A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/margineco.v10i1.7236

Abstract

This study analyzes the economic dynamics of Muslim households involved in the childfree phenomenon from the perspective of Islamic financial planning. Using a qualitative phenomenological approach, data were collected through in-depth interviews with Muslim couples who voluntarily chose not to have children. The findings show that rising living costs, economic uncertainty, and career priorities significantly influence childfree decisions among Muslim households. Participants implemented Islamic financial planning practices such as savings, halal investment, retirement preparation, zakat, and controlled consumption to maintain household stability and long-term financial security. The study also reveals that family welfare is interpreted through emotional stability, marital harmony, psychological well-being, and financial balance rather than solely through parenthood. Furthermore, participants viewed childfree decisions as part of responsible household management aligned with Islamic principles of maslahah and household capability. This research contributes to discussions on Islamic household economics, fertility behavior, and contemporary Muslim family transformation.
The Role of Digital Zakat in Enhancing National Income: A Qualitative Review from the Indonesian Context Wildan Hadi; Erizal Candra Efendi; Ruri Mustika; Hafni Juniyanti Hsb; Fitriani
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16017

Abstract

This study analyzes the role of digital zakat in enhancing national income within the Indonesian context using a qualitative literature-based approach. Secondary data were collected from peer-reviewed journal articles, policy reports, and credible digital sources indexed in platforms such as Google Scholar and POP. The analysis was conducted through thematic synthesis to identify recurring patterns and mechanisms linking digital zakat practices to macroeconomic outcomes.The findings indicate that digital zakat contributes to national income through three main mechanisms. First, digital platforms increase zakat collection efficiency by expanding the number of contributors and reducing transaction costs, which leads to higher aggregate zakat funds. Second, the faster and more transparent distribution of zakat funds stimulates household consumption among beneficiaries, particularly for basic needs such as food, education, and health services. Third, digital zakat supports micro and small enterprises through productive zakat schemes, enabling income generation and local economic circulation. In this study, the term “significant role” refers to the consistent evidence across multiple studies showing that digital zakat enhances economic participation, improves income distribution, and strengthens the microeconomic sector, rather than to statistical significance. Overall, digital zakat functions as a complementary socio-economic instrument that supports national income growth while promoting social welfare and financial inclusion
Islamic Financial Literacy and Household Financial Behavior in the Digital Era: A Conceptual Synthesis of Contemporary Literature Erizal Candra Efendi; Robi Harjoni Putra; Ruri Mustika; Wildan Hadi; Hafni Juniyanti Hsb
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16020

Abstract

This study aims to synthesize contemporary literature on Islamic financial literacy and its relationship with household financial behavior in the digital era. Employing a qualitative library research design, this study systematically reviews peer-reviewed journal articles, academic books, and institutional reports published over the last decade. Data were collected through structured searches of major academic databases and analyzed using qualitative content analysis, including thematic coding, categorization, and comparative synthesis. The findings indicate that Islamic financial literacy is a multidimensional construct encompassing cognitive understanding of Sharia-based financial principles, financial management skills, and ethical orientations. Higher literacy levels are associated with more structured household financial practices, such as disciplined budgeting, saving orientation, and cautious engagement with digital Islamic financial services. Furthermore, digital financial environments significantly influence household financial decision-making and access to information. This study proposes an integrative conceptual framework linking Islamic financial literacy dimensions with household financial behavior through cognitive, ethical, and behavioral mechanisms. The findings contribute to clarifying the role of Islamic financial literacy in digital financial contexts and provide theoretical insights for future empirical research. Practically, this study offers policy-relevant implications for designing effective financial literacy initiatives aimed at enhancing financial resilience and sustainable financial practices among Muslim households in the digital era