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All Journal Journal of Islamic Economics Lariba Journal of Social Entrepreneurship and Creative Technology Jurnal Publikasi Ekonomi dan Akuntansi
Rizki, Mulyani
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Murāqabah in practice: An ethnographic analysis of the Minangkabau Islamic Mato profit-sharing system in an urban Padang restaurant Rizki, Mulyani; Rusli, Ris’an; Barkah, Qodariah
Journal of Islamic Economics Lariba Vol. 11 No. 1 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol11.iss1.art5

Abstract

IntroductionIndigenous profit-sharing arrangements rooted in Islamic ethics remain understudied, despite their prominence in Southeast Asian enterprises. The Minangkabau Mato system, practised in Padang restaurants, melds Qurʾānic ideals of justice with kin-based solidarity and continuous spiritual self-monitoring (murāqabah). Understanding whether such a relational model can thrive in competitive urban markets is critical for both cultural preservation and Islamic economic theory.ObjectivesThis study aims to (1) document in detail how Mato is implemented in a diaspora restaurant setting, (2) assess its economic and motivational effects relative to formal mudharabah contracts, and (3) evaluate the role of murāqabah as an endogenous governance mechanism.MethodAdopting an ethnographic design, the researcher spent twenty-four weeks immersed in a medium-sized Padang restaurant in Palembang. Data comprised participant observation during daily operations, twenty-three semi-structured interviews covering all functional roles, and an analysis of daily balance sheets and archival photographs. Transcripts and field notes were coded inductively and deductively in NVivo, yielding four integrative themes: Islamic-ethical foundations, sociocultural integration, worker perceptions, and cultural-preservation dynamics.ResultsTransparent daily splits and flexible profit ratios foster high psychological ownership, intrinsic motivation, and negligible staff turnover. The employees cited murāqabah as a powerful internal control that reduced opportunism and reinforced meticulous bookkeeping. During a nine-percent spike in commodity costs, consensual ratio adjustments prevented wage arrears—an agility unattainable under fixed-ratio mudharabah schemes. Branding Mato as “Profit-Sharing the Minangkabau Way” simultaneously enhanced customer loyalty and safeguarded cultural identity.ImplicationsThe findings position Mato as a viable template for community-based Islamic finance and highlight the policy need for legal pluralism that legitimizes indigenous models without eroding their relational strengths. Managers seeking value-aligned incentives may replicate daily open-table reconciliations, ratio elasticity, and devotional briefings to embed trust and resilience.Originality/NoveltyThis study provides the first in-depth ethnographic evidence of Mato in an urban service enterprise, demonstrating how murāqabah and flexible sharing ratios translate Islamic moral philosophy into day-to-day business sustainability, while advancing heritage-based competitive advantage.
The Influence of Trust, Convenience and Risk on Decisions to Purchase Beauty Products Online Via E-Commerce (Case Study of UIN Raden Fatah Palembang Student) Diyan Pratiwi, Tanti Rosa; Rizki, Mulyani; Asrol, Safitri
Journal of Social Entrepreneurship and Creative Technology Vol. 1 No. 2 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jseact.v1i2.1452

Abstract

The purpose of this study was to analyze the influence of trust, convenience and risk on online beauty product purchasing decisions through e-commerce of UIN Raden Fatah Palembang students. This study uses a quantitative research design aimed at consumers or users of e-commerce shopee, tiktok shop and facebook on UIN Raden Fatah students. with a data collection method using a questionnaire. for sampling in this study in the form of probability sampling with a sampling technique using a simple random sampling technique of 100 people with the help of IBM SPSS 26 program analysis. The results of this study indicate that trust has a positive and significant effect on the decision to purchase beauty products through e-commerce. Convenience has a positive and significant effect on the decision to purchase beauty products through e-commerce. Risk has a positive and significant effect on the decision to purchase beauty products through e-commerce. Simultaneously, trust, convenience and risk together have a positive and significant effect on the decision to purchase beauty products online through e-commerce on UIN Raden Fatah Palembang students.
Pengaruh Literasi Keuangan dan Electronic Word Of Mouth (EWOM) Terhadap Perilaku Pembelian Impulsif Pengguna Tiktok Shop : Studi pada Mahasiswa UIN Raden Fatah Palembang Pasha, Arkan; Rizki, Mulyani; Juniawati, Mutmainah
Jurnal Publikasi Ekonomi dan Akuntansi Vol. 6 No. 1 (2026): Januari: Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jupea.v6i1.5370

Abstract

Advances in digital technology have changed consumption patterns among the general public, including students. Easy internet access, creative promotional strategies, and the integration of social media with e-commerce have increased the trend of online Shopping. TikTok Shop, as a rapidly growing platform, has successfully combined entertainment and transactions, thereby encouraging spontaneous Shopping behavior without planning. This study aims to analyze the influence of financial literacy and electronic word of mouth (eWOM) on the impulsive purchasing behavior of students at UIN Raden Fatah Palembang who use TikTok Shop. The study employs a quantitative method with a questionnaire administered to 100 respondents and multiple regression analysis. The results indicate that financial literacy does not significantly influence impulsive purchasing, while eWOM does have a significant influence. Simultaneously, both variables significantly influence such behavior. These findings indicate that financial literacy has not been able to curb impulsive behavior, while eWOM actually reinforces the urge to make spontaneous purchases on TikTok Shop..
Co-Authors Asrol, Safitri Diyan Pratiwi, Tanti Rosa Juniawati, Mutmainah Pasha, Arkan Qodariah Barkah Rusli, Ris’an