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All Journal Aptisi Transactions on Management Jurnal Geosains dan Remote Sensing (JGRS) International Journal Of Science, Technology & Management (IJSTM) Al-MIKRAJ: Jurnal studi Islam dan Humaniora Jurnal Maritim Malahayati Jurnal Ilmu Sosial dan Humaniora Intelektual : Jurnal Penelitian Dosen Akuntansi Indonesian Journal of Multidisciplinary Sciences Jurnal Indonesia : Manajemen Informatika dan Komunikasi El-Mubarak: Islamic Studies Journal Journal of multidisipline and Equality Journal of Economics and Development JIEP: Jurnal Ilmu Ekonomi dan Pembangunan
Listiawati
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TINJAUAN EKONOMI ISLAM TERHADAP JUAL BELI ONLINE PADA USAHA SAPI QURBAN (STUDI KASUS PETERNAKAN SAPI SUPER DI PT. SAPI SUPER JAYA JAKARTA. Alvarizq; Armansyah Walian; Nur Hestria; Listiawati
El-Mubarak: Islamic Studies Journal Vol. 2 No. 1 (2025): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v2i1.263

Abstract

Penelitian ini mengeksplorasi praktik jual beli online sapi qurban di Peternakan Sapi Super dari perspektif ekonomi Islam. Ibadah qurban, yang dilaksanakan setiap Hari Raya Idul Adha, memiliki nilai spiritual dan sosial ekonomi yang signifikan. Dalam konteks ekonomi, praktik qurban melibatkan perputaran uang yang besar dan memerlukan manajemen yang baik agar dampaknya dapat dirasakan oleh seluruh lapisan masyarakat. Peternakan Sapi Super, sebagai salah satu usaha yang memanfaatkan platform online untuk menjual berbagai jenis sapi qurban, menghadapi tantangan untuk memastikan bahwa praktik jual beli mereka tetap sesuai dengan prinsip keadilan, transparansi, dan menghindari unsur gharar (ketidakpastian) yang dapat merugikan salah satu pihak dalam transaksi. Penelitian ini menggunakan metode deskriptif kualitatif dengan pendekatan studi kasus pada Peternakan Sapi Super. Data dikumpulkan melalui wawancara, observasi, dan analisis dokumen. Hasil penelitian menunjukkan bahwa Peternakan Sapi Super telah berhasil mengimplementasikan proses jual beli sapi qurban secara online dengan efektif dan sesuai dengan prinsip-prinsip syariah. Proses ini mencakup pemilihan sapi yang memenuhi syarat qurban, penggunaan platform online untuk pemasaran, serta prosedur pembelian yang transparan dan aman. Transparansi informasi terkait harga, bobot, usia, dan kondisi kesehatan sapi dijaga dengan baik, menghindari adanya unsur penipuan dan ketidakpastian (gharar). Dengan memanfaatkan teknologi digital, Peternakan Sapi Super berhasil menciptakan model bisnis yang dapat menjadi acuan dalam industri jual beli sapi qurban secara online, yang efisien dan sesuai dengan nilai-nilai Islam.
Sektor Unggulan dan Hubungannya dengan Ketenagakerjaan dan Kemiskinan di Provinsi Kalimantan Selatan Listiawati; Siregar, Syahrituah
JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Vol. 6 No. 2 (2023)
Publisher : PPJP ULM

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Abstract

This study aims to analyze the leading sectors in South Kalimantan Province, determine the relationship between the top sectors and employment, and the relationship between the leading sectors and poverty in South Kalimantan Province. The analytical tools in this research are Static Location Quotient (SLQ), Dynamic Location Quotient (DLQ), Esteban-Marquillas Shift Share, and Specialization Index. The Pearson Correlation Test determines the relationship between leading sectors and the dependent variable. Secondary data uses the 2016-2020 period. The results showed that the mining sector is the leading sector in South Kalimantan Province. The leading sector relationship to employment shows a unidirectional and significant relationship, assuming that the higher the mining sector's contribution to the total GDP, the higher employment will be. Meanwhile, the relationship between the leading sectors and the poverty level shows an opposite and significant relationship, assuming that the higher the mining sector's contribution to the total GRDP, the lower the percentage of people experiencing poverty will be.
PENGARUH LABEL HALAL DAN LABEL BPOM TERHADAP KEPUTUSAN PEMBELIAN PRODUK KOSMETIK PADA KONSUMEN MUSLIMAH DI KOTA PALEMBANG Nabila Cahyani; Listiawati; Yusiresita Pajaria
Journal of Economics and Development Vol. 2 No. 1 (2025): Journal of Economics and Development (JEnD)
Publisher : CV. Cendikiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/jend.v2i1.336

Abstract

This research aims to analyze the influence of halal labels and BPOM (Indonesian Food and Drug Authority) labels on purchasing decisions of cosmetic products among Muslim female consumers in Palembang City. The research method employed a quantitative approach with data collection through questionnaires distributed to 82 Muslim female cosmetic users in Palembang City. Data analysis was conducted using Structural Equation Modeling (SEM) based on variance through the Partial Least Square (Smart-PLS) approach. The results showed that halal labels have a positive and significant effect on purchasing decisions with a t-statistic value of 4.147 (>1.96) and p-value of 0.000 (<0.05). BPOM labels also demonstrated a positive and significant influence with a t-statistic value of 3.773 (>1.96) and p-value of 0.000 (<0.05). The research model has an R-square value of 0.663, indicating that halal label and BPOM label variables explain 66.3% of purchasing decisions, while the remaining 33.7% is explained by other variables outside the research model. The measurement model testing showed that all indicators have loading factor values above 0.7 and Average Variance Extracted (AVE) values above 0.5, demonstrating good convergent validity. The composite reliability and Cronbach's alpha values of each construct are above 0.7, indicating good reliability. This research indicates that Muslim female consumers in Palembang City consider product halal status and safety as important factors in making cosmetic purchasing decisions. This research provides practical implications for cosmetic manufacturers to pay attention to halal and BPOM certifications as effective marketing strategies when targeting Muslim female consumers.
Pelaksanaan Bimbingan Agama Dalam Mengatasi Konflik Sosial Pada Lansia di Unit Pelaksana Teknis Pelayanan Sosial Tresna Werdha Khusnul Khotimah Dinas Sosial Provinsi Riau Listiawati; Fatmawati; Sartika Mardianti
AL-MIKRAJ Jurnal Studi Islam dan Humaniora Vol. 5 No. 2 (2025): Al-Mikraj, Jurnal Studi Islam dan Humaniora
Publisher : Pascasarjana Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almikraj.v5i2.7946

Abstract

Social institutions are places for the elderly to live their old age together, but it is not uncommon for conflicts to arise between residents. This conflict is triggered by mutual mockery, arrogance, stinginess, self-centeredness, suspicion, divide and conquer, and jealousy over uneven provision. This study aims to examine the implementation of religious guidance in overcoming elderly interpersonal conflicts at the Tresna Werdha Khusnul Khotimah Social Service Unit of the Riau Province Social Service. Using a qualitative method with a descriptive approach, data is collected through observation, interviews, and documentation. The results showed that religious guidance was carried out through three stages: (1) planning, which includes the preparation of schedules, materials, and methods; (2) implementation of guidance activities according to plan; and (3) evaluation, which aims to assess and improve the quality of implementation. However, this evaluation stage has not run optimally.
Influence of Consumer Behavior and Marketing Mix on Product Purchasing Decisions Dewi, Faye Maya; Sulivyo, Lod; Listiawati; Dewi, Faye Maya Dewi
APTISI Transactions on Management (ATM) Vol 6 No 2 (2022): ATM (APTISI Transactions on Management: July)
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/atm.v6i2.1737

Abstract

The purpose of the study was: 1) to look at the direct influence between consumer behaviour on the marketing mix, 2) to look at the direct relationship between consumer behaviour on purchasing decisions, 3) to look at the influence of direct relationships between marketing mixes on purchasing decisions, 4) to look at the indirect influence of indirect relationships between consumer behaviour toward purchasing decisions mediated by the marketing mix. The sample used in the study was as many as 120 randomly selected respondents, and data processing using Smart PLS 2.0 software. The results of this study are, 1) consumer behaviour towards the marketing mix has a positive and significant influence with a relationship value of 55,899 > 1.96. 2) Consumer behaviour towards purchasing decisions has a positive and significant influence with a relationship value of 2,850 > 1.96. 3) Marketing mix on purchasing decisions has a positive and significant influence value with a relationship value of 13,764 > 1.96. 4) The results of analysis of indirect influence pathways between consumer behaviour to purchasing decisions mediated by marketing mix is 13,554 > 1.96 with a significance level of 5% proving that marketing mix has a significant effect in mediating the relationship between consumer behaviour to purchasing decisions. 
SUMBANGAN PEMIKIRAN EKONOMI ISLAM MAZHAB MAINSTREAM DALAM MENDORONG GELIAT PEMBANGUNAN EKONOMI DI NEGARA BERKEMBANG Listiawati
El-Mubarak: Islamic Studies Journal Vol. 1 No. 2 (2024): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v1i2.134

Abstract

Artikel ini ingin memunculkan sumbangsih pemikiran ekonomi mazhab mainstream dalam mendorong pembangunan ekonomi di negara-negara berkembang antara Indonesia. Ada banyak tokoh- tokoh mazhab mainstream yang paling banyak berpengaruh memberikan kontribusi yang besar dalam pengembangan pemikiran ekonomi Islam anatara lain Muhammad Abdul mannan, Muhammad Nejatullah bassidqi, Umar Chapra dan yang lainnya. Spirit perkembangan ekonomi Islam yang menjelma dalam praktik lembaga keungan syariah bakn, non-bank dan kebijakan-kebijakan di negara berkembang adalah sumbangsih dari mazhab maensteream. Mazhab ini menawarkan studi logiga ekonomi Islam dalam perspektif ekonomi konvensional sehingga kehadirannya sebagai koreksi terhadap dominasi sistem tersebut. Perbedaan mazhab mainstream dengan ekonomi konvensional yang terletak pada cara untuk mencapai tujuan. Pada sisi lain unsur perbedaan mazhab Mainstream dengan ekonomi konvensional adalah terletak pada cara penyelesaian masalah ekonomi dilema sumber daya yang terbatas versus keinginan yang tak terbatas memaksa manusia untuk melakukan pilihan-pilihan atas keinginannya. Kemudian manusia membuat skala prioritas pemenuhan keinginan kebutuhan dari yang paling penting kepada yang paling tidak penting. Dalam ekonomi, masing-masing Manusia boleh mempertimbangkan tuntutan agama, boleh juga mengabaikannya. Hal demikian dalam bahasa al-Qur’an ‘pilihan yang dilakukan dengan mempertaruhkan hawa nafsunya. Di samping itu, pemikiran ekonomi mazhab Mainstream justru lebih mewarnai dinamika pemikiran ekonomi dengan pendekatan ekometri dan pengaruh luas dalam dunia Islam. Hal ini lebih disebakan tokoh-tokoh yang memberikan kontribusi dalam pemikiran mazhab Mainstream menjadi anggota Islamic Development Mank IDB sebagai staff, peneliti,penasehat. Mereka adalah Umar Chapra, Muhammad Abdul Mannan, Muhammad Nejatullah Aiddiqi, dan lain-lain.
Shariah Contract Implementation in Bank Syariah Indonesia’s Mobile Banking: A Compliance Perspective Listiawati
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 4 No. 2 (2025): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/ijoms.v4i2.2027

Abstract

This study examines the implementation of Shariah contracts (akad) in the use of mobile banking at Bank Syariah Indonesia (BSI). Formed through the merger of three major Islamic banks, BSI seeks to deliver digital financial services that comply with Shariah principles. This paper analyses the main contracts embedded in BSI’s mobile-banking products and services, including murabahah, ijarah, and mudharabah. The study adopts a qualitative descriptive approach, drawing on a literature-based analysis and a case-study orientation to identify and evaluate Shariah compliance in digital transactions. The findings indicate that BSI has generally integrated Shariah contracts effectively within its mobile-banking system under the supervision of the Shariah Supervisory Board (Dewan Pengawas Syariah, DPS). Technological innovations implemented by BSI also play an important role in supporting financial inclusion and facilitating customer access to services. In conclusion, the implementation of Shariah contracts in BSI mobile banking is effective in meeting the growing demand for Shariah-compliant digital financial services.
ANALISIS PENERAPAN AKAD MUDHARABAH BERDASARKAN FATWA DSN-MUI NOMOR 03/DSN-MUI/IV/2000 PADA PRODUK DEPOSITO DI BANK SUMSEL BABEL SYARIAH Listiawati
Journal of Multidiscipline and Equality Vol. 2 No. 2 (2025): JME: Journal of Multidiscipline and Equality
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/jme.v2i2.534

Abstract

Penelitian ini menganalisis penerapan akad mudharabah pada produk deposito Bank Sumsel Babel Syariah dengan rujukan utama Fatwa Dewan Syariah Nasional–Majelis Ulama Indonesia (DSN‑MUI) Nomor 03/DSN‑MUI/IV/2000 tentang Pedoman Umum Akad Mudharabah. Fokus kajian diarahkan pada kesesuaian praktik penghimpunan dana deposito dengan prinsip dasar mudharabah: pemisahan peran shahibul maal (nasabah) dan mudharib (bank), transparansi nisbah bagi hasil, mekanisme pembagian keuntungan dan penanggung risiko kerugian, serta tata kelola kepatuhan syariah di level operasional. Secara metodologis, artikel ini menggunakan pendekatan deskriptif‑analitis melalui studi kepustakaan, penelaahan dokumen perbankan, dan penguatan bukti dengan wawancara terbatas pada pihak terkait. Hasil analisis menunjukkan bahwa Bank Sumsel Babel Syariah telah mengimplementasikan akad mudharabah pada deposito dengan menegaskan nisbah sejak awal dan mendistribusikan bagi hasil secara periodik sesuai kesepakatan. Praktik ini sejalan dengan ketentuan fatwa terkait pembagian keuntungan dan pengelolaan dana secara amanah. Meski demikian, terdapat tantangan yang masih perlu ditangani, terutama terkait belum meratanya pemahaman prinsip mudharabah di kalangan sebagian nasabah dan petugas bank, serta kebutuhan penguatan literasi produk dan transparansi informasi biaya/ketentuan terkait kondisi khusus (misalnya pencairan sebelum jatuh tempo). Implikasi penelitian menekankan pentingnya edukasi kontinu, peran Dewan Pengawas Syariah (DPS) dalam review proses, dan penguatan dokumentasi akad agar substansi risk‑sharing mudharabah tetap terjaga sekaligus kompetitif dalam industri perbankan yang berhadapan dengan risiko displaced commercial risk.
ANALISIS STRATEGI MARKETING SYARIAH DALAM MENINGKATKAN JUMLAH NASABAH TABUNGAN ROFIQOH BERAKAD WADI’AH YAD DHAMANAH (STUDI KASUS BANK SUMSEL BABEL SYARIAH KC LUBUKLINGGAU) Listiawati
Journal of Economics and Development Vol. 2 No. 2 (2025): Journal of Economics and Development (JEnD)
Publisher : CV. Cendikiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/jend.v2i2.536

Abstract

Artikel ini menganalisis strategi marketing syariah dalam meningkatkan jumlah nasabah pada Produk Tabungan Rofiqoh berakad wadi’ah yad dhamanah di Bank Sumsel Babel Syariah KC Lubuklinggau. Penelitian menggunakan pendekatan kualitatif dengan penelitian lapangan melalui observasi, wawancara semi‑terstruktur, dokumentasi, dan studi kepustakaan. Hasil analisis menunjukkan penerapan bauran pemasaran jasa (7P) yang menonjolkan kemudahan dan keamanan produk, biaya yang terjangkau, distribusi dan promosi berbasis komunitas, serta peran penting kualitas SDM layanan. Artikel merekomendasikan penguatan promosi digital tersegmentasi, standarisasi edukasi akad wadi’ah sesuai fatwa, dan perbaikan proses layanan untuk mendukung akuisisi sekaligus retensi nasabah.
Co-Authors Alvarizq Armansyah Walian Arsadi Aryanti Asy Syafa Ulul Azmi Dewi, Faye Maya Dewi, Faye Maya Dewi Fatmawati Fatmawati M. Tegar Pratama Merida Muhammad Faris Afif Muhardi Nabila Cahyani Nur Hestria Perdhana, Radhitya Pramudi Harsono Rays, Muh Rosmita Salam, Karta Negara Sartika Mardianti Silvia, Ima Lailatul Sulivyo, Lod Syahrituah Siregar Syamsul Arifin TATI NURHAYATI Tazhirowati Yusiresita Pajaria Zikri Rahmani