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All Journal Jurnal Ekonomi Manajemen Sistem Informasi Jurnal Dinamika Ekonomi Syariah Jurnal Ilmu Manajemen Terapan (JIMT) Arus Jurnal Sosial dan Humaniora Journal of Economics and Social Sciences ZIJEc: Zabags International Journal of Economy ZIJEn: Zabags International Journal of Engagement
Yatima, Khusnul
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Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences Other

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Pricing Model of Palm Oil by Toke: An Islamic Economic Perspective on Indebted Farmers Rima; Musthofa , M. Arif; Yatima, Khusnul; Daud; Sarwono; Wulandari, Triyana; Edi Saputra, Ahmad
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.903

Abstract

This study examines the unilateral price-setting practices by toke (middlemen) on indebted palm oil farmers in Muara Sabak Timur District from an Islamic economic perspective. The findings reveal that price determination occurs without farmers’ consultation or mutual consent, leading to significantly lower prices for indebted farmers compared to debt-free counterparts. This practice exacerbates economic injustice and deepens farmers’ dependency on toke, who use debt as a covert mechanism of price control. The study identifies elements of gharar (uncertainty), zulm (oppression), and ikrah (coercion) in the pricing practices, which violate the Islamic principle of an-tarāḍin (mutual consent) in transactions. Recommendations include establishing Sharia-compliant cooperatives and microfinance institutions offering interest-free financing and transparent, fair pricing mechanisms. Additionally, the study proposes the implementation of hisbah supervision as a social control instrument to prevent exploitative practices. The research contributes to the agrarian economic literature by integrating maqāṣid shariah principles to promote social justice and economic empowerment for small-scale farmers, ultimately supporting sustainable development and equitable market systems
The Impact of Financial Literacy and Inclusion on MSME Performance in Talang Babat: An Empirical Approach to Driving Local Economic Growth Agung Prayoga, Dimas; Abidin, Zaenal; Yatima, Khusnul; Musthofa , M. Arif; Kartika Devi, Erwina; Okva Marwendi, Reza
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.916

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in Indonesia’s economy, yet their performance in regions like Talang Babat Subdistrict remains suboptimal due to low financial literacy and limited financial inclusion. This study investigates the individual and simultaneous effects of financial literacy and financial inclusion on MSME performance using a quantitative causal approach with multiple linear regression analysis. Data were collected from 89 MSME actors selected through cluster random sampling. The results demonstrate that both financial literacy and financial inclusion significantly and positively influence MSME performance, explaining 68.8% of its variance. The study highlights the synergistic impact of these variables, emphasizing the importance of integrating financial education with improved access to formal financial services. Findings also underscore the practical importance of separating personal and business finances and structured financial record-keeping in enhancing business sustainability. The study contributes to MSME literature by providing an integrative model and offers policy recommendations for local governments and financial institutions to support MSME development through holistic financial capacity building and inclusion strategies
Tinjauan Hukum Islam terhadap Akad Jual Beli Pengepul Ikan di Desa Pematang Rahim Maslaini; Musthofa , M Arif; Yatima, Khusnul; Hidayat, Ahmad; Dewi, Hasna
Arus Jurnal Sosial dan Humaniora Vol 5 No 2: Agustus (2025)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajsh.v5i2.1325

Abstract

Penelitian ini membahas praktik akad jual beli antara pengepul dan nelayan di Desa Pematang Rahim, Kabupaten Tanjung Jabung Timur, Provinsi Jambi, dengan tujuan menganalisis kesesuaiannya dengan ketentuan hukum Islam. Metode penelitian menggunakan pendekatan normatif-empiris, menggabungkan studi literatur dan observasi lapangan melalui wawancara. Hasil penelitian menunjukkan bahwa transaksi jual beli antara nelayan dan pengepul telah memenuhi sebagian besar rukun dan syarat akad jual beli menurut Islam, seperti adanya pihak yang berakad, objek akad yang jelas, serta ijab kabul. Namun, ditemukan permasalahan dalam penetapan harga yang cenderung sepihak oleh pengepul dan indikasi kecurangan pada penimbangan ikan, yang bertentangan dengan prinsip keadilan dan kerelaan dalam syariat Islam. Penelitian ini merekomendasikan perlunya mekanisme transaksi yang lebih adil dan transparan agar tercipta keadilan bagi semua pihak.
Online Gambling Practices and Their Economic Impacts in Muara Sabak Timur District: A Qualitative Study in the Perspective of Islamic Economics Arliani, Rida; Abidin, Zaenal; Yatima, Khusnul
Zabags International Journal of Economy Vol. 3 No. 2 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i2.113

Abstract

Online gambling has become a concrete threat to the economic and social stability of society, particularly in regions with low digital literacy and weak institutional oversight. This study aims to identify the forms of online gambling practices that have emerged in Muara Sabak Timur District, analyze their economic impacts on the individuals involved, and evaluate these practices through the lens of Islamic economic principles. Employing a qualitative approach with an intrinsic case study strategy, data were collected through in-depth interviews with active and former online gamblers, community leaders, and religious figures, and were thematically analyzed using NVivo software. The results reveal that online gambling is conducted through covert digital mechanisms that foster behavioral dependence, leading to financial destruction, family conflict, and psychological disturbances. No systematic intervention from local authorities was identified. An evaluative review based on “maqashid al-shariah” confirms that these practices contradict Islamic principles concerning the protection of wealth, intellect, and lineage. This study contributes to the development of a religious value-based analytical model for assessing digital economic risks and recommends community-based intervention and digital literacy policies as strategic responses to the growing prevalence of online gambling in rural societies.
ARISAN UANG DALAM MENAMBAH KESEJAHTERAAN KELUARGA MENURUT PERSPEKTIF EKONOMI ISLAM (STUDI KASUS DI DESA PANDAN LAGAN KECAMATAN GERAGAI) Ruwaidah, Ruwaidah; Arif Musthofa, M.; Yatima, Khusnul
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 3 No. 2 (2021): Jurnal Ekonomi Manajemen Sistem Informasi (November 2021)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/jemsi.v3i2.754

Abstract

Latar belakang penelitian ini adalah untuk mengetahui bagaimana implementasi pelaksanaan kegiatan arisan di Desa Pandan Lagan, mengetahui bagaimana kontribusi arisan uang dalam menambah kesejahteraan keluarga dan bagaimana tinjauan perspektif ekonomi islam terhadap kegiatan arisan di Desa Pandan Lagan. Jenis penelitian yang digunakan yaitu penelitian lapangan. Menggunakan pendekatan deskriptif kualitatif dan teknik pengumpulan data yang digunakan observasi, wawancara dan dokumentasi. pelaksanaan kegiatan arisan yang berada di Desa Pandan Lagan cukup baik dan pada saat pengundian dilaksanakan tanpa adanya kendala atau pun masalah. Arisan ini memberikan pengaruh terhadap peningkatan kesejahteraan keluarga, karena dana yang diperoleh dari kegiatan arisan tersebut dapat digunakan untuk berbagai keperluan, baik yang bersifat konsumtif maupun produktif. Di dalam sistem arisan yang berkembang dimasyarakat, baik itu arisan uang maupun barang diperbolehkan dalam Islam. Sebab dalam arisan tidak ada unsur penipuan (tadlis).
UPAYA MENINGKATKANPENDAPATAN MELALUI JUAL BELI ONLINE DIMASA PANDEMI COVID-19 (STUDI KASUS PADA TOKO BAJU AFA COLLECTION KELURAHAN SUNGAI LOKAN KECAMATAN SADU) Sarina, Siti; Abidin, Zaenal; Yatima, Khusnul
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 3 No. 2 (2021): Jurnal Ekonomi Manajemen Sistem Informasi (November 2021)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/jemsi.v3i2.756

Abstract

Penelitian ini berjudul “Upaya meningkatkan Pendapatan melalui Jual Beli Online di masa Pandemi Covid-19 (Studi Kasus pada Toko Baju Afa Collection). Adapun tujuan penelitian ini adalah untuk menganalisa Upaya-upaya yang dilakukan oleh Toko Baju Afa Collektion dalam meningkatkan pendapatan di tengah Pandemi Covid-19 ini, karena sebagaimana yang kita ketahui salah satu dampak yang diakibatkan oleh pandemi ini yaitu pasar yang menjadi sepi sehingga membuat banyak pengusaha dan perusahaan harus berhenti beroperasi. Sementara kebutuhan hidup tidak bisa berhenti untuk dipenuhi dan semakin semakin meningkat, oleh sebab itu dibutuhkan upaya dan strategi yang tepat dalam melakukan penjualan pada Toko Baju Afa Collektio di Kelurahan Sungai Lokan Kecamatan Sadu. pada penelitian ini penulis menggunakan metode Kualitatif dengan tekhnik triangulasi yaitu penggabungan dari Observasi, Wawancara dan Dokumentasi guna mendapatkan data yang akurat. Data yang digunakan pada penelitian ini yaitu data primer yaitu data yang bersumber langsung dari pelaku usaha, karyawan dan konsumen Toko Afa Collektion. Sementara data sekundernya yaitu dokumentasi-dokumentasi kegiatan Afa Collektion dalam menjalankan usahanyapada masa pandemi Covid-19 ini di Kelurahan Sungai Lokan Kecamatan Sadu. menyediakan barangnya secara langsung dimana system pembeliannyapun dengan system packing order (pesan baru dipaketkan).
Co-Authors Agung Prayoga, Dimas Ahmad Hidayat Arliani, Rida Atika, Missi Azilah, Eva Daud Devi Yulianti dewi, hasna Edi Saputra, Ahmad Irfandi, Ahmad Kadarsih, Sri Kartika Devi, Erwina M. Arif Musthofa Maslaini Mun'amah, Anatun Nisa Munip, Al Musthofa , M Arif Musthofa , M. Arif Nisa Munamah, Anatun Okva Marwendi, Reza Puspitasari, Riska Rima Rosalina Rosalina Ruwaidah, Ruwaidah Sarina, Siti Sarwono Simbra, Siti Sisran, Sisran Siti Fatimah Sulastri Sulastri Syamsiar, Syamsiar wandi Wandi, Wandi Wati, Besse Mirna Widiyanti, Epa Wulandari, Triyana Zaenal Abidin