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All Journal Journal of Finance and Islamic Banking Referensi Islamika: Jurnal Studi Islam
Sitti Aisya
Universitas Islam Negeri Datokarama Palu
Religion Humanities Economics, Econometrics & Finance Social Sciences

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PERCEIVED HOUSEHOLD INCOME ADEQUACY AND MULTIDIMENSIONAL WELFARE AMONG OIL PALM SMALLHOLDERS: AN ISLAMIC ECONOMICS PERSPECTIVE Vita Nurhalisa; Sitti Aisya; Nur Syamsu; Nurfitriani; M. Hidayat
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 2 (2026): APRIL
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i2.759

Abstract

This study examines the association between perceived household income adequacy and multidimensional welfare among oil palm smallholder households in Sumber Sari Village, Bulutaba District, Pasangkayu Regency, West Sulawesi, from an Islamic economics perspective. It interprets perceived income adequacy not merely as an economic perception but as a welfare-related factor that supports falah, maslahah, family stability, and sustainable household welfare. This study employed a quantitative cross-sectional survey with a descriptive–associative approach. Data were collected from 70 oil palm smallholder households selected from a population of 230 households using simple random sampling. Perceived household income adequacy and multidimensional welfare were measured using Likert-scale questionnaire items and analyzed using descriptive statistics, Pearson correlation, and simple linear regression in RStudio. The results show a strong, positive, and statistically significant association between perceived household income adequacy and multidimensional welfare. The Pearson correlation coefficient was 0.822, and the regression coefficient was 0.816, with a p-value < 0.001. The regression model accounted for 67.6% of the variation in multidimensional welfare scores. The findings indicate that perceived income adequacy is closely related to household welfare. However, welfare policies should also strengthen education, health, productive assets, livelihood diversification, and household resilience. This study is limited to a single village and relies on self-reported Likert-scale data rather than detailed nominal income records. This study contributes village-level evidence by integrating statistical analysis of perceived income adequacy and multidimensional welfare with Islamic welfare concepts grounded in maqasid al-shari’ah.
Does Halal Certification Improve MSME Financial Performance? Evidence from Culinary Businesses in Palu City Nabila Sukmah H; Sitti Aisya; Nursyamsu; Sofyan Bachmid; Fatma; Adib Susilo
Journal of Finance and Islamic Banking Vol. 9 No. 1 (2026)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v9i1.15232

Abstract

Purpose: This study analyzes the role of Islamic financial literacy in shaping the intention of Islamic bank financing farmers, both directly and indirectly through behavioral control. Method: Using a quantitative approach with a survey method of 100 farmers in Pati Regency. The analysis technique uses Partial Least Square-Structural Equation Modeling (PLS-SEM) in the form of the SmartPLS 3 application. Results: These findings show that Islamic financial literacy does not directly encourage intentions, but must first build individual ability, confidence, and control as an intermediary to cause farmers' intentions in applying for Islamic bank financing. Implication: Theoretically, this study strengthens the planned behavior theory model by asserting behavior control as an intention builder. Practically, literacy education must be accompanied by ease of access and simplification of procedures in the agricultural sector. Originality: This study contributed by including perceived behavioral control as a mediating variable. Thus, expanding literature that is still limited to the context of Islamic financial behavior in the agricultural sector.
Co-Authors Adib Susilo Fatma M. Hidayat Nabila Sukmah H Nur Syamsu Nurfitriani Nursyamsu Sofyan Bachmid Vita Nurhalisa