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PERAN AKUNTANSI RUMAH TANGGA DALAM PENGELOLAAN KEUANGAN SYARIAH Ardiana, Elsa; Muthalib, Ahmad Abdul; Arafah, Muh.
Indonesian Scientific Journal of Islamic Finance Vol 3 No 1 (2024): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v3i1.8148

Household financial management plays a crucial role in creating socio-economic stability, especially for rural communities such as those in Ulo Village, Tellu Siattingge District. One common approach to support financial management is cash flow recording. However, inadequate recording often makes it difficult for households to monitor and analyze income and expenditure patterns effectively. From a Sharia perspective, proper financial management becomes even more significant as it must align with Sharia principles, such as transparency, fairness, and the prohibition of usury. This study aims to identify the role of household accounting in Sharia-based financial management, including supporting factors, implementation barriers, and solutions to overcome challenges. The research employs a qualitative approach, collecting data through field observations, in-depth interviews, and documentation. The study involves five informants, all of whom are housewives with children and have been married for at least 5 years. Data analysis was conducted thematically using triangulation techniques to ensure result validity. The findings indicate that household accounting plays an essential role in helping families create budgets, record financial transactions, support decision-making, and plan long-term finances. Supporting factors include awareness of the importance of financial recording and basic understanding of Sharia principles, while the main obstacles involve limited knowledge and lack of consistency in recording. Nonetheless, informants reported significant benefits, such as using financial records as a reference for managing finances in the following month. The implementation of simple household accounting has proven effective for housewives in Ulo Village in controlling expenditures, budgeting, and improving financial management in line with Sharia principles. For housewives in similar areas, simple financial recording can be an initial step toward enhancing family economic stability. This study recommends Sharia-based financial literacy training and the development of simple financial recording tools. Future research could explore the long-term impacts and the role of technology in supporting Sharia financial management at the household level..

Implementation of the Basic Principles of Sharia Economics in Traders' Buying and Selling Transactions at Tolo' Market, Kelara District, Jeneponto Regency Muthalib, Ahmad Abdul; Zulkifli, Zulkifli; Marunta, Ristiyanti Ahmadul; Anwar, Desy Rahmawati
International Journal on Advanced Science, Education, and Religion Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i3.1362

Traditional markets are the center of people's economic activities that are not only oriented towards fulfilling material needs, but also loaded with ethical and moral values. In practice, buying and selling transactions in traditional markets are still faced with various problems, such as fraud, lack of transparency, and weak accountability, which have the potential to deviate from the principles of Islamic economics. This study aims to analyze the application of basic principles of sharia economics in buying and selling transactions by traders in Tolo' Market, Kelara District, Jeneponto Regency. This research uses a descriptive qualitative approach with field research methods. Data collection techniques are carried out through observation and interviews with traders and buyers, while data analysis is carried out through the stages of data reduction, data presentation, and conclusion drawn. The results of the study show that in general, traders at Tolo' Market have applied the basic principles of sharia economics, including the principles of justice, transparency, halal, and trust, although the implementation is not fully optimal. The principles of fairness and transparency are quite visible in the pricing and delivery of information on goods, the principle of halal is carried out properly through the selection of halal and consumable goods, and the principle of trust is reflected in the responsibility of traders to buyer complaints. However, the principle of accountability is still a challenge, especially related to the recording of transactions that have not been carried out systematically. This research is expected to be a reference in strengthening sharia business ethics in traditional markets and encouraging increased awareness of traders on the importance of applying sharia economic principles as a whole.

Implementation of the Basic Principles of Sharia Economics in Traders' Buying and Selling Transactions at Tolo' Market, Kelara District, Jeneponto Regency Muthalib, Ahmad Abdul; Zulkifli, Zulkifli; Marunta, Ristiyanti Ahmadul; Anwar, Desy Rahmawati
International Journal on Advanced Science, Education, and Religion Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i3.1362

Traditional markets are the center of people's economic activities that are not only oriented towards fulfilling material needs, but also loaded with ethical and moral values. In practice, buying and selling transactions in traditional markets are still faced with various problems, such as fraud, lack of transparency, and weak accountability, which have the potential to deviate from the principles of Islamic economics. This study aims to analyze the application of basic principles of sharia economics in buying and selling transactions by traders in Tolo' Market, Kelara District, Jeneponto Regency. This research uses a descriptive qualitative approach with field research methods. Data collection techniques are carried out through observation and interviews with traders and buyers, while data analysis is carried out through the stages of data reduction, data presentation, and conclusion drawn. The results of the study show that in general, traders at Tolo' Market have applied the basic principles of sharia economics, including the principles of justice, transparency, halal, and trust, although the implementation is not fully optimal. The principles of fairness and transparency are quite visible in the pricing and delivery of information on goods, the principle of halal is carried out properly through the selection of halal and consumable goods, and the principle of trust is reflected in the responsibility of traders to buyer complaints. However, the principle of accountability is still a challenge, especially related to the recording of transactions that have not been carried out systematically. This research is expected to be a reference in strengthening sharia business ethics in traditional markets and encouraging increased awareness of traders on the importance of applying sharia economic principles as a whole.

Implementation of the Basic Principles of Sharia Economics in Traders' Buying and Selling Transactions at Tolo' Market, Kelara District, Jeneponto Regency Muthalib, Ahmad Abdul; Zulkifli, Zulkifli; Marunta, Ristiyanti Ahmadul; Anwar, Desy Rahmawati
International Journal on Advanced Science, Education, and Religion Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i3.1362

Traditional markets are the center of people's economic activities that are not only oriented towards fulfilling material needs, but also loaded with ethical and moral values. In practice, buying and selling transactions in traditional markets are still faced with various problems, such as fraud, lack of transparency, and weak accountability, which have the potential to deviate from the principles of Islamic economics. This study aims to analyze the application of basic principles of sharia economics in buying and selling transactions by traders in Tolo' Market, Kelara District, Jeneponto Regency. This research uses a descriptive qualitative approach with field research methods. Data collection techniques are carried out through observation and interviews with traders and buyers, while data analysis is carried out through the stages of data reduction, data presentation, and conclusion drawn. The results of the study show that in general, traders at Tolo' Market have applied the basic principles of sharia economics, including the principles of justice, transparency, halal, and trust, although the implementation is not fully optimal. The principles of fairness and transparency are quite visible in the pricing and delivery of information on goods, the principle of halal is carried out properly through the selection of halal and consumable goods, and the principle of trust is reflected in the responsibility of traders to buyer complaints. However, the principle of accountability is still a challenge, especially related to the recording of transactions that have not been carried out systematically. This research is expected to be a reference in strengthening sharia business ethics in traditional markets and encouraging increased awareness of traders on the importance of applying sharia economic principles as a whole.

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