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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Ilmiah Ekonomi Islam Jurnal Ilmiah Dikdaya Bertuah : Jurnal Syariah dan Ekonomi Islam EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah International Journal of Social Service and Research Proceeding International Seminar of Islamic Studies Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan JURNAL PENGABDIAN PENDIDIKAN MASYARAKAT (JPPM) Journal of Management and Creative Business Money: Journal of Financial and Islamic Banking NAJAHA IQTISHOD : Journal of Islamic Economic and Finance Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Ilmiah Ekonomi dan Manajemen Neraca Manajemen, Akuntansi, dan Ekonomi JPM MOCCI : Jurnal Pengabdian Masyarakat Ekonomi, Sosial Sains dan Sosial Humaniora, Koperasi, dan Kewirausahaan Santri : Jurnal Ekonomi dan Keuangan Islam Journal of Innovative and Creativity Jurnal Penelitian Pendidikan Indonesia Kreativasi: Journal of Community Empowerment BEKTI : Jurnal Pengabdian Kepada Masarakat Jurnal Pengembangan dan Pengabdian Masyarakat Journal of Shariah Economics
Nurida Isnaeni
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Menilai Dampak Penyaluran Likuiditas Pemerintah Tahun 2025 terhadap Stabilitas dan Keadilan Ekonomi:Perspektif Maqāṣid al-Syarī‘ah Nurida Isnaeni; Amaludin Efendi Harahap; Dela Fauzia; Rama Fajri
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 2 (2025): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i2.1274

Abstract

This study evaluates the effectiveness of Indonesia’s 2025 liquidity injection of IDR 200 trillion into state-owned banks (Himbara) through the lens of Islamic economics and maqāṣid al-syarī‘ah. Using a qualitative–descriptive method based on library research, the study examines whether the policy has succeeded in promoting productive financial intermediation, economic stability, and just liquidity distribution. Data were drawn from Bank Indonesia, the Ministry of Finance, the Financial Services Authority (OJK), and peer-reviewed publications indexed in SINTA and Scopus.Findings reveal that as of October 2025, 84% of the injected funds had been disbursed, but only 18–22% were channeled to SMEs, far below the 37% allocation during the 2020 PEN stimulus. Moreover, 30–40% of the liquidity was placed in money market instruments and government securities rather than real-sector financing. Credit growth slowed from 7.7% (September) to 7.36% (October 2025), indicating weak transmission and raising concerns about moral hazard when liquidity strengthens bank reserves without productive allocation. Thus, integrating the liquidity program with productive financing schemes, Islamic financial inclusion, and robust Sharia governance is essential to align the policy with maqāṣid al-syarī‘ah.
PENGARUH PENGGUNAAN CASHLESS PAYMENT DAN LITERASI KEUANGAN TERHADAP PERILAKU KONSUMTIF GENERASI Z KOTA JAMBI Atika Ratu Kinanti; Paulina Lubis; Arfah; Nurida Isnaeni
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 3 (2026): April
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i3.66414

Abstract

Abstrak Penelitian ini bertujuan untuk melihat pengaruh cashless payment dan literasi keuangan terhadap perilaku konsumtif generasi Z di Kota Jambi. Perubahan kecenderungan perilaku belanja dan pesatnya perkembangan teknologi pendukung transaksi keuangan, membawa pengaruh nyata dalam mempengaruhi perubahan perilaku pelanggan di tengah era transaksi digital. Penelitian ini menggunakan metode kuantitatif dengan pendekatan survey. Data diperoleh melalui penyebaran kuesioner kepada 97 responden yang merupakan generasi Z di Kota Jambi. Analisis data dilakukan dengan metode regresi linier berganda menggunakan software SPSS. Hasil penelitian menunjukkan bahwa secara parsial cashless payment (X1) tidak berpengaruh signifikan terhadap perilaku perilaku konsumtif generasi Z dan Literasi keuangan (X2) berpengaruh signifikan terhadap perilaku perilaku konsumtif generasi Z. Secara simultan pengaruh cashless payment dan literasi keuangan berpengaruh terhadap perilaku perilaku konsumtif generasi Z di Kota Jambi.  Kata kunci: Cashless Payment, Literasi Keuangan, Perilaku Konsumtif dan Generasi Z.   Abstract This research aims to examine the influence of cashless payment and financial literacy on the consumer behavior of generation Z in Jambi City. Changes in shopping behavior trends and the rapid development of technology supporting financial transactions have a real influence in influencing changes in customer behavior in the digital transaction era. This study uses a quantitative method with a survey approach. Data were obtained through distributing questionnaires to 97 respondents who are generation Z in Jambi City. Data analysis was carried out using multiple linear regression methods using SPSS software. The results of the study indicate that partially cashless payment (X1) has no significant effect on the consumer behavior of generation Z and financial literacy (X2) has a significant effect on the consumer behavior of generation Z. Simultaneously, the influence of cashless payment and financial literacy has an effect on the consumer behavior of generation Z in Jambi City.  Keyword: Cashless Payment, Financial Literacy, Consument Behavior and Generation Z.
Analisis Dampak Penambangan Emas Terhadap Kondisi Lingkungan Dalam Tinjauan Ekonomi Islam Mustopa, Muhammad Alhadi; Isnaeni, Nurida
Jurnal Ilmiah Dikdaya Vol 16, No 1 (2026): April
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/dikdaya.v16i1.896

Abstract

Gold mining activities play an important role in improving the economic conditions of both communities and the state. However, these activities often cause negative environmental impacts, such as water and soil pollution, ecosystem degradation, and a decline in the quality of life of communities living around mining areas. This study aims to examine the environmental impacts of gold mining from the perspective of Islamic economics. The research method employed is a literature review by analyzing various sources that discuss gold mining, environmental issues, and the concepts of Islamic economics. The results indicate that gold mining practices that neglect environmental sustainability are not in accordance with the principles of Islamic economics, particularly the values of trust (amanah), justice, and public welfare (maslahah). From the perspective of Islamic economics, natural resources are considered a trust that must be managed wisely and sustainably. Therefore, gold mining activities are only acceptable when they are carried out by applying environmentally friendly principles, responsible waste management, and fair policies for local communities and the surrounding environment. This study emphasizes the importance of balancing economic benefits with environmental conservation in order to achieve sustainable welfare.
Co-Authors , Fitriani , M. Abasri , Ridhwan Aditya Pratama Aditya Pratama Adry Rusdiansyah Meidi Amaludin Efendi Harahap Amelia Cyntia Putri Amri Amir Amri Amir Amri Amir AMRI, ARY DEAN Anggreyni, Rizky Aprilliani, Nivaen Aprizal, Yusuf Zaini Arfah Arfah, Arfah Ary Dean Amri Ary Dean Amri Atika Ratu Kinanti Chairiyati, Fauziah Corina Dahmiri Dany Saputra, Anugrah Dayanti Rahayu Dean Amri, Ary Dela Fauzia Devi Rahmawati, Devi Enggrani Fitri, Lucky Evalina Alissa dan Arrie Budhiartie Fitri Setya Ningrum Fitri Yani Frisca D. Br. Silalahi Handari, Fitri Harpeni, Harpeni Heriberta Heriberta Husnul Khatimah Julian, Natata Karin, Kharenina Khairun Najwa khori perdana Kusuma Wijaya, RD. Azi Kusuma Wijaya Lili Rahma Yanti LUBIS, PAULINA Lubis, Paulina Lucky Enggrani Fitri Lutfiah Agnesia Putri Rana Manna Sari Mona Liza Meisa Putri Melisa Mentari Melta Vatmala Sari Muhammad Qodri Muhammad Roihan Musdalifah Musdalifah Mustopa, Muhammad Alhadi Nazrul Musyafiq Neti Amelia Ngatinah Ngatinah Nugraha, Fauzi Nurbaeti, Shevi Nurdiani Nurdiani Nurdinia, Rahma Nurul Irtiah Fajriati P. Eko Prasetyo Padlan, Muhammad Paulina Lubis Pratiwi, Heni Qodri, Muhammad Amin Rafiqi Rafiqi Rafiqi Rama Fajri Ramadhani Surya, Natasya Ramansyah, Dian Raudhatul Jannah, Dhivani Revani Rahma Diana Rico Wijaya Z Ridhwan Ridhwan Ridhwan Ridhwan Ridhwan, Ridhwan Rista Aldilla Syafri Roihan, Muhammad Ronaldo Aidil Putra Rosa Afri Herawati RR. Ella Evrita Hestiandari Rudianto Rudianto Septi Utami, Nazariya Sigit Indrawijaya Stiawan, Yahya Budi Syahrinur Fitriah Vina Nuratika Wahyu Alkautsar Wiliam Krishna Wulansari, Astri Yantara Anggara, Nofri Yolanda, Mela Zalfa Rianda Zami Aprizal, Yusuf