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All Journal Laa Maisyir Jurnal Ekonomi Islam Jurnal Mirai Management Jurnal Ilmiah Manajemen "E M O R" Ganaya: Jurnal Ilmu Sosial dan Humaniora ECONOMOS : Jurnal Ekonomi dan Bisnis PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal GeoEkonomi PAY Jurnal Keuangan dan Perbankan Community Engagement and Emergence Journal (CEEJ) Jurnal Ekonomi dan Manajemen juremi: jurnal riset ekonomi International Journal of Education, Social Studies, And Management (IJESSM) Journal of Economics and Regional Science JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Al-Buhuts (e-journal) Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis Economos : Jurnal Ekonomi dan Bisnis Jurnal Pustaka Indonesia E-Amal: Jurnal Pengabdian Kepada Masyarakat Parewa Saraq: Journal of Islamic Law and Fatwa Review Jurnal Ilmiah Manajemen & Kewirausahaan Referensi Islamika: Jurnal Studi Islam
M.M, Besse Faradiba
IAIN PARE-PARE
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Re-evaluating Islamic Banking Fatwas in Indonesia: Governance, Legal Certainty, and Global Harmonization in Contemporary Sharia Finance Amiruddin, Muhammad Majdy; Hidayati, Ulfa; Rasyid, Nur Fitriani; Arwin; Faradiba, Besse
Parewa Saraq: Journal of Islamic Law and Fatwa Review Vol. 5 No. 1 (2026): Parewa Saraq: Journal of Islamic Law and Fatwa Review
Publisher : MUI Sulawesi Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64016/parewasaraq.v5i1.75

Abstract

The rapid expansion of Islamic finance has intensified scrutiny of how religious authority is institutionalized within modern regulatory systems, particularly in Indonesia where fatwas issued by the Dewan Syariah Nasional – Majelis Ulama Indonesia (National Sharia Board - Indonesian Council of Ulama) become binding only after incorporation into regulations issued by the Otoritas Jasa Keuangan (OJK) or Financial Services Authority. This study aims to re-evaluate Indonesia’s Islamic banking fatwa framework by examining its institutional translation mechanisms, degree of alignment with international standards issued by the Accounting and Auditing Organization for Islamic Financial Institutions and the Islamic Financial Services Board, and its impact on substantive maqasid realization. Using a qualitative institutional-regulatory design, the research analyzes 42 DSN-MUI fatwas, 27 OJK regulations, 18 AAOIFI standards, 12 IFSB standards, and Islamic banking portfolio data from 2015 to 2024. The findings indicate that Indonesia’s hybrid model ensures procedural legal certainty and structured fatwa-to-regulation incorporation but exhibits only partial global harmonization and a persistent dominance of debt-based contracts, reflecting a gap between formal compliance and outcome-based governance. Theoretically, the study introduces the concept of regulatory theology to explain how religious interpretation becomes embedded within the regulatory state, extending norm diffusion theory by incorporating epistemic sovereignty as a mediating variable. Practically, the research recommends stronger institutional independence, clearer codification, measurable maqasid performance indicators, and phased harmonization strategies. The originality of this study lies in reframing Islamic banking fatwa analysis from doctrinal validity toward governance-centered institutional performance grounded in empirical regulatory and portfolio evidence
FAITH IN THE MARKETPLACE: HOW AMANAH SHAPES SOCIAL TRUST AND CONSUMER LOYALTY AMONG MUSLIM SMES IN INDONESIA Besse Faradiba; Ida Ilmiah Mursidin; Damirah; Aulia Nur Irsha
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.v4i2.564

Abstract

This study aims to analyze the sociological role of Amanah (trustworthiness) as a spiritual-social foundation in Islamic SMEs and how it bridges the gap between formal management strategies, product quality, and consumer loyalty. It specifically investigates the potential paradox where religious ethics might interact unpredictably with modern management practices. A quantitative approach was employed utilizing Partial Least Squares-Structural Equation Modeling (PLS-SEM) through SmartPLS 4.0. Data were gathered via a structured survey involving 313 respondents, comprising active consumers and business practitioners of Islamic SMEs in Makassar, Indonesia. The results reveal that while management strategy and product quality significantly and positively influence loyalty, a striking paradox emerges: Amanah shows a significant negative moderation effect on the relationship between management strategy and consumer loyalty. This suggests that over-reliance on formal management may diminish the organic trust-building power of religious ethics. However, Amanah remains a full mediator that converts product quality into long-term loyalty. The findings suggest that "success" in Islamic business is not a simple linear integration of modern and traditional values. While formal management is essential, the traditional-religious value of Amanah constitutes a distinct form of social capital that can be stifled by excessive formalization. Practitioners must balance professional systems with authentic spiritual integrity to stabilize market relations. This study contributes to Islamic economic literature by empirically uncovering the "tension" between religious integrity and formal business strategy. It offers a new integrative framework that challenges the assumption that religious ethics and modern management always work in perfect harmony.  
Literasi Keuangan Syariah dan Gaya Hidup Konsumtif: Studi Pengelolaan Keuangan Gen-Z Parepare Ghufran Januar; Emily Nur Saidy; Besse Faradiba; Multazam Mansyur Addury
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.v10i1.7176

Abstract

Generation Z is vulnerable to financial management issues due to trends in consumerist lifestyles, making it crucial to study financial literacy grounded in Sharia principles. The objective of this research is to analyze the influence of Sharia financial literacy and consumerist lifestyles on the financial management behavior of Generation Z in the city of Parepare. This study employs a quantitative approach with a total sample of 100 Generation Z respondents aged 18 and older. The sample size will be determined using the Slovin formula, and primary data will be collected by distributing questionnaires. The data will be analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) via the SmartPLS software. The research findings demonstrate that Islamic financial literacy has a significant positive effect on financial management behavior, with a T-Statistic of 8.491 and a P-Value of <0.001. Conversely, a consumerist lifestyle has a significant negative effect, with a T-Statistic of 5.411 and a P-Value of <0.001. Simultaneously, both independent variables were found to have a significant effect, with an R² value of 0.553. This indicates that the model’s predictive power—or the proportion of variance in financial management behavior explained by the two independent variables—is 55.3%. It is concluded that improving understanding of Islamic financial literacy, accompanied by control over a consumerist lifestyle, is a key factor for Generation Z in developing healthy financial management behaviors that are in accordance with Islamic law.
Analisis Pengaruh Gaya Kepemimpinan Dan  Budaya Organisasi Terhadap Minat Tetap Bekerja Besse Faradiba; Ida Ilmiah; Sugeng Karyadi; Roy Setiawan; Ahmad Faizal Al-Attas
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 6 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i6.11541

Abstract

Retensi karyawan merupakan salah satu tantangan utama yang dihadapi organisasi dalam lingkungan bisnis modern. Persaingan yang semakin ketat, perkembangan teknologi yang pesat, dan perubahan ekspektasi tenaga kerja menuntut organisasi tidak hanya mampu menarik karyawan berkualitas, tetapi juga mempertahankan mereka dalam jangka panjang. Tingginya tingkat perpindahan karyawan dapat menimbulkan berbagai dampak negatif, seperti meningkatnya biaya rekrutmen dan pelatihan, hilangnya pengetahuan organisasi, menurunnya produktivitas, serta terganggunya kinerja perusahaan secara keseluruhan. Oleh karena itu, pemahaman mengenai faktor-faktor yang memengaruhi minat tetap bekerja karyawan menjadi sangat penting dalam pengelolaan sumber daya manusia. Penelitian ini bertujuan untuk menganalisis pengaruh gaya kepemimpinan dan budaya organisasi terhadap minat tetap bekerja karyawan. Penelitian menggunakan pendekatan kuantitatif dengan metode survei. Data dikumpulkan dari 100 orang karyawan sektor jasa menggunakan kuesioner yang disusun berdasarkan skala Likert lima poin. Variabel independen yang digunakan adalah gaya kepemimpinan dan budaya organisasi, sedangkan variabel dependen adalah minat tetap bekerja. Analisis data dilakukan menggunakan Structural Equation Modeling-Partial Least Squares (SEM-PLS). Hasil penelitian menunjukkan bahwa gaya kepemimpinan berpengaruh positif dan signifikan terhadap minat tetap bekerja karyawan. Pemimpin yang mampu memberikan arahan yang jelas, dukungan, motivasi, dan kesempatan partisipasi kepada karyawan terbukti dapat meningkatkan loyalitas serta komitmen terhadap organisasi. Selain itu, budaya organisasi juga memiliki pengaruh positif dan signifikan yang lebih kuat terhadap minat tetap bekerja. Budaya yang ditandai oleh kerja sama, kepercayaan, inovasi, dan nilai-nilai bersama mampu menciptakan lingkungan kerja yang kondusif sehingga memperkuat keterikatan karyawan dengan organisasi. Temuan penelitian ini mendukung teori pertukaran sosial yang menjelaskan bahwa karyawan cenderung membalas perlakuan positif organisasi melalui peningkatan komitmen dan loyalitas. Penelitian ini memberikan kontribusi empiris dalam pengembangan literatur manajemen sumber daya manusia sekaligus memberikan implikasi praktis bagi organisasi dalam merancang strategi retensi karyawan yang lebih efektif.
Analisis Growth Ratio dan Leverage Terhadap Nilai Perusahaan Pada Emiten Property dan Real Estate di BEI Periode 2021-2025 Andi Nuratika; Darwis Darwis; Damirah Damirah; Besse Faradiba
Al-Buhuts Vol. 22 No. 1 (2026): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v22i1.7818

Abstract

Investor choose to invest in companies that can send positive signals to them. Therefore, one of the most frequently observed indicators is a company’s value, as reflected by stock price that is higher than the book value. This research was conducted to analyze the influence of the growth ratio proxied by sales growth (SG), and leverage proxied by debt-to-equity ratio (DER) on the firm value of property and real estate issuers listed on the Indonesia Stock Exchange (IDX) from 2021-2025. The population consists of 79 property and real estate companies in the capital market, which was subsequently narrowed down to 57 issuers after excluding companies in the special monitoring category research data spanning 5 years. The sampling technique used was purposive sampling and selecting 30 companies with the sampling criteria: listed before 2021, complete financial reports, not delisted for more than 6 months, and having revenue. The analytical method used is regression analysis of panel data with the help of application Eviews 12. The results of the T-test indicate that SG and DER do not have a significant effect on PBV. The results of the F-test also indicate that the independent variables in this study do not have a significant effect. This indicates that, both individually and collectively, the research models do not yet sufficiently explain tha variation in PBV for the 2021-2025 period. Investors in this sector employ risk-based investment strategies that prioritize issuers cash flow resilience and real liquidity capacity over responding to fluctuations in accounting profits from sales growth or capital structures deemed reasonable as a consequence of the capital-intensive nature of the industry.
Bagaimana Budaya Membentuk Pengaruh Pendapatan Pasangan Dan Gaya Hidup Terhadap Konsumsi Perhiasan Emas: Studi Kasus Pada Ibu Rumah Tangga Di Kabupaten Sidrap Muhammad. N, Aksa; Arwin, Arwin; Faradiba, Besse; Alim Fasieh, Muh.
Jurnal GeoEkonomi Vol. 17 No. 1 (2026)
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Balikpapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36277/geoekonomi.v17i1.686

Abstract

This research is motivated by the tendency of housewives to acquire gold jewelry—a behavior not solely driven by financial considerations but also shaped by lifestyle preferences and local cultural norms. Conducted in Sidenreng Rappang Regency (Sidrap), a region predominantly inhabited by the Bugis ethnic community where gold holds profound socio-cultural significance, this study aims to evaluate the extent to which husbands’ income and lifestyle influence g old jewelry purchasing behavior, with Bugis cultural values acting as a moderating variable. Employing a quantitative approach, data were collected through questionnaires administered to 100 housewives in Sidrap. Statistical analysis was performed using Partial Least Squares-based Structural Equation Modeling (PLS-SEM). The findings confirm a significant and positive influence of both husbands’ income and lifestyle on gold jewelry purchasing behavior. Furthermore, Bugis cultural values were found to strengthen the impact of these two factors. The results demonstrate that economic capacity and lifestyle preferences drive gold jewelry acquisition among housewives in Sidrap, while Bugis cultural norms—functioning as a moderator—enhance the strength of these relationships. This highlights the critical role of integrating localized cultural contexts in understanding consumer behavior.
Mengurai Motif Ekonomi Dan Strategi Survival Mahasiswa Pekerja: Studi Pada Mahasiswa Kurir Hilo Di Institut Agama Islam Negeri Parepare Mail, Ismail; Arwin, Arwin; Faradiba, Besse; Ismayanti, Ismayanti; Yusuf, Muh.
Jurnal GeoEkonomi Vol. 17 No. 2 (2026): [in-press]
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Balikpapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36277/geoekonomi.v17i2.723

Abstract

Penelitian ini mengkaji fenomena peran ganda mahasiswa IAIN Parepare yang bekerja sebagai kurir hilo dalam upaya meningkatkan kesejahteraan ekonomi keluarga. Di era digital, transportasi daring menjadi peluang ekonomi yang diminati mahasiswa karena fleksibilitas waktu yang memungkinkan penyesuaian dengan jadwal perkuliahan. Namun, menjalankan tanggung jawab akademik sekaligus profesional menimbulkan tantangan berupa konflik peran ganda (work-study conflict). Ketidakseimbangan dalam mengelola kedua peran ini berpotensi memicu stres, kelelahan fisik (burnout), serta penurunan prestasi akademik. Metode yang digunakan dalam artikel ini adalah studi kasus dengan pendekatan kualitatif, melalui wawancara terhadap mahasiswa yang mengalami kendala dalam pembagian waktu dan fokus belajar. Hasil penelitian menunjukkan bahwa pekerjaan sebagai kurir tidak hanya membantu mahasiswa dalam memenuhi kebutuhan pribadi, tetapi juga berkontribusi dalam mengurangi beban ekonomi orang tua, khususnya dalam pembiayaan pendidikan dan kebutuhan sehari-hari. Selain itu, kesejahteraan mahasiswa pekerja tidak hanya diukur dari aspek finansial, tetapi juga dari keseimbangan psikologis dan keberhasilan akademik. Penelitian ini menyimpulkan perlunya dukungan dari pihak perguruan tinggi bagi mahasiswa pekerja agar mereka dapat menjalankan peran ekonomi dan akademik secara harmonis tanpa mengorbankan kualitas pendidikan.
Analisis Efektifitas Penerimaan Pajak Daerah Pada Kantor Badan Pendapatan Daerah di Kabupaten Gowa arwin, Arwin; Faradiba, Besse; Wardianto, Wardianto
Journal of Economics and Regional Science Vol. 1 No. 1 (2021): Edisi Maret 2021
Publisher : STIE Jambatan Bulan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52421/jurnal-esensi.v1i1.131

Abstract

This study aims to determine the effectiveness of local tax revenues in Gowa Regency with a span of time for the last 6 years, namely 2013-2018. The analytical method used in this research is quantitative method and descriptive analysis, while the analytical tool used in this research is effectiveness analysis. Besides, qualitative analysis is also used in the form of direct interviews with local officials. The results of this study indicate that the regional tax revenues in Gowa Regency are broadly in the effective category. The factors that play a role in influencing the status of the effectiveness of regional tax revenues, namely the integrity of the taxpayer, the obligation to carry out tax payments in a timely manner, the local tax collection supervision system and the mechanism for collecting local taxes in Gowa Regency.
Family Environment, Local History Pedagogy, and Cultural ‎Value Internalization: Associations with Heritage ‎Preservation Attitudes in Parepare, Indonesia Jumaisa; Fawziah Zahrawati B; Besse Faradiba
JPI: Jurnal Pustaka Indonesia Vol. 6 No. 2 (2026): May-August
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/jpi.v6i2.2774

Abstract

This study examined the associations of local history pedagogy (X1), cultural value internalization (X2), and family environment (M) with senior high school students’ heritage preservation attitudes (Y), and tested whether the family environment moderated the two school-related associations. A cross-sectional quantitative design employed partial least squares structural equation modeling (PLS-SEM) in SmartPLS 4. Participants were 101 Grade XII students (75.4% response rate) purposively recruited from five public senior high schools in Parepare City, South Sulawesi, Indonesia. The measurement model showed acceptable indicator reliability, convergent validity, and internal consistency; however, discriminant validity was weak, particularly between X1 and X2, and the interaction terms exhibited severe collinearity. The structural model explained 54.4% of the variance in heritage preservation attitudes (R² = 0.544). Family environment showed the strongest direct association (β = 0.433, p < .001), followed by cultural value internalization (β = 0.357, p = .013), whereas local history pedagogy was not significant (β = 0.030, p = .839). Both interaction effects were non-significant. Given the cross-sectional design, modest sample, restricted variance, measurement overlap, and low power for interactions, the null effects should be regarded as inconclusive. The findings identify family environment as a salient correlate of heritage preservation attitudes but do not establish causal or generalizable relationships.
Co-Authors Ahmad Faizal Al-Attas Alim Fasieh, Muh. Amiruddin, Muhammad Majdy Andi Nuratika Arifin, Moh. Samsul Arwin Arwin Arwin Arwin Aulia Nur Irsha Budiarto, Balla Wahyu Damirah Damirah Damirah Damirah Darwis Darwis Dian Ariani Donny Dharmawan Emily Nur Saidy Eva Yuniarti Utami Fahmiah Akilah Fawziah Zahrawati B Ghufran Januar Ginting, Jenni Veronika Br Hannani Heny Herawati Heri Susanto Hidayati, Ulfa I Nyoman Budiono Ida Ilmiah Ida Ilmiah Mursidin Indrayani Indrayani Indrayani Indrayani Ismayanti Istanto Jumaisa Jumaisah Kevin Indajang Loso Judijanto MAIL, ISMAIL Mentalita, Hotma Muh. Syaifudin Syukri Muh. Yusuf Muhammad Asir Muhammad. N, Aksa Multazam Mansyur Addury Musmulyadi, Musmulyadi Rasyid, Nur Fitriani Roy Setiawan Sugeng Karyadi Sunarto Syarifuddin, Mustika Umaima Umaima Violin, Vivid Wardianto Wardianto Wardianto, Wardianto