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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al Hikmah: Indonesian Journal of Early Childhood Islamic Education
Ibdalsyah Ibdalsyah
Universitas Ibnu Khaldun Bogor
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Muslim Household Debt Behavior in Urban Indonesia Descriptive Evidence from the City of Depok Nasiha Sakina Ramadhanikar; Qurroh Ayuniyyah; Ibdalsyah Ibdalsyah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i2.11402

Abstract

Debt Acquisition is an unavoidable of household financial life. In Islamic teachings, debt is permissible but should be treated as a last resort, undertaken only after careful consideration of priority needs. Islamic economic principles emphasize that needs should be directed toward achieving the objectives of aqashid al-sharia, which are hierarchically classified into essential (dharuriyyat), complementary (hajiyyat), and luxury (tahsiniyat) needs. Understanding how these principles are reflected in actual household debt behavior is therefore important. This study aims to describe patterns of debt among Muslim households in the City of Depok, Indonesia. Using primary survey data collected in 2022, the study applies quantitative descriptive analysis to examine household debt behavior. The analysis focuses on the purposes of debt and the types of needs that household debt behavior is intended to fulfill, without testing causal relationship. The results indicate that debt patterns of Muslim household in the city of Depok generally reflect prudent financial behavior. Most borrowing is undertaken to meet essential (dharuriyyat) needs, particularly for first home, education expenses, first vehicle ownership, and the fulfillment of basic household necessities. These findings suggest that household debt in this urban Muslim context is predominantly necessity-driven rather than consumption-oriented. This study provides baseline empirical evidence on Muslim household debt behavior and contributes to the literature on Islamic household finance by offering a descriptive snapshot that can support future explanatory and comparative research
Efforts to Improve Children's Motor Skills and Creativity Through Activities at The Center for Natural Materials Rahmah Rahmah; Zainal Abidin; Ibdalsyah Ibdalsyah
Al Hikmah Indonesian Journal of Early Childhood Islamic Education Vol 9 No 1 (2025): IJECIE
Publisher : Universitas Al-Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/ijecie.v9i1.984

Abstract

This classroom action research aims to improve children's motor and creativity skills through activities in the natural materials center at TK Kesuma Bangsa, Sukabumi. The research was conducted in three cycles, each consisting of two meetings and involving 14 children in group A. Data collection methods included observation and documentation. In the pre-cycle stage, both motor and creativity skills were still in the "emerging" category, with average scores of 30.6% and 29.1%, respectively. Improvements were observed in each cycle: by Cycle II, average motor skills reached 66%, and creativity reached 65.8%. In Cycle III, both aspects exceeded the success criteria of 90%, with motor skills reaching 92.4% and creativity 90.5%. These results indicate that natural materials-based learning activities effectively enhance children's motor and creative abilities when supported by varied media, appropriate settings, and teacher facilitation.
Co-Authors Nasiha Sakina Ramadhanikar Qurroh Ayuniyyah Rahmah Rahmah Zainal Abidin