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Hardining Estu Murdinar
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Analysis of Students' Financial Literacy in the Perspective of Islamic Economics : Case Study of Sirojuth Tholibiin Islami Boarding School Mangzillatur Rohmah; Hardining Estu Murdinar
Proceeding of the International Conference on Economics, Accounting, and Taxation Vol. 3 No. 1 (2026): Proceeding of the International Conference on Economics, Accounting, and Taxati
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/iceat.v3i1.233

Abstract

This study aims to analyze the financial literacy of students in the perspective of Islamic economics at the Sirojuth Tholibiin Islamic Boarding School. The focus of the research includes students' consumption behavior, factors that affect impulsive buying, and how students manage pocket money in daily life. This study uses a qualitative approach with a descriptive type of research. Data was obtained through interviews, observations, and documentation. The informants in the study consisted of three students, one administrator of the cottage cooperative, and one ustadzah. Data analysis techniques are carried out through data reduction, data presentation, and conclusion drawn. The results of the study show that the level of financial literacy of students still varies. Some students have been able to manage their pocket money by limiting spending and setting aside money to save, but others still show less controlled consumption behavior. Impulsive buying behavior can be seen in the purchase of snacks and light necessities that are carried out spontaneously without careful planning. This behavior is influenced by momentary desire factors, peer influence, attractive product displays, and ease of access to products in cottage cooperatives. From an Islamic economic perspective, excessive consumption behavior falls into the category of israf and tabdzir, so wiser financial management is needed. Therefore, increasing financial literacy is important to help students control spending and implement consumption behaviors in accordance with Islamic values.
The Effect of Labor Absorption, Work Motivation, and Worker Productivity on the Free Nutritious Meal Program in Blitar City According to the Perspective of Sharia Economics Lala Tri Wulandari; Andrean Permadi; Hardining Estu Murdinar
Proceeding of the International Conference on Economics, Accounting, and Taxation Vol. 3 No. 1 (2026): Proceeding of the International Conference on Economics, Accounting, and Taxati
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/iceat.v3i1.236

Abstract

This study discusses the quality of the implementation of the Free Nutritious Meal Program (MBG) in Blitar City which is influenced by labor absorption, work motivation, and worker productivity in the perspective of sharia economics. This study aims to analyze the influence of labor absorption, work motivation, and worker productivity on the quality of the implementation of the MBG Program. The research method used is a quantitative approach with the type of associative research. The research population amounted to 550 workers and volunteers in 11 MBG kitchens in Blitar City with a sample of 121 respondents determined using purposive sampling techniques. Data collection techniques were carried out through questionnaires and documentation, while data analysis used validity, reliability, multiple linear regression tests, t-tests, F tests, and determination coefficients with the help of the EViews application. The results showed that labor absorption had a significant effect on the quality of program implementation with a significance value of 0.0074, work motivation had a significant effect with a significance value of 0.0134, and worker productivity had the most dominant influence with a significance value of 0.0000. Simultaneously, the three independent variables had a significant effect on the quality of the implementation of the MBG Program with an F-calculated value of 91.60139 and a significance of 0.000000. The Adjusted R-Squared value of 0.693725 indicates that 69.37% of program quality can be explained by all three independent variables. This study concludes that the application of trust values, justice, professionalism, and Islamic work ethic plays an important role in improving the quality of the implementation of the Free Nutritious Meal Program in Blitar City.
Analysis of the Application of the Ijarah Contract in the Outsourcing Work System: Case Study of CV. Diandra Jaya, Papungan Village, Kanigoro District, Blitar Regency Alfina Zamelia; Hardining Estu Murdinar
Proceeding of the International Conference on Economics, Accounting, and Taxation Vol. 3 No. 1 (2026): Proceeding of the International Conference on Economics, Accounting, and Taxati
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/iceat.v3i1.246

Abstract

This study analyzes the application of ijarah contracts in the outsourcing work system on CV. Diandra Jaya which is located in Papungan Village, Kanigoro District, Blitar Regency. The background of this research is based on the increasing practice of outsourcing which raises issues related to the clarity of contracts, wage justice, and its conformity with sharia economic principles. This study aims to assess the extent to which the outsourcing practice is in line with the provisions of the ijarah contract in the perspective of Islamic law. The method used is a qualitative approach with a type of case study through interviews, observations, and documentation, then analyzed descriptively. The analysis focused on aspects of contract clarity, wage mechanisms, and the division of responsibilities between companies and workers. The results of the study show that outsourcing practices in CV. Diandra Jaya has fulfilled several elements of the diploma, such as a work agreement and remuneration for services. However, there are shortcomings in terms of transparency, protection of workers' rights, and clarity of responsibility. This finding indicates that the implementation of ijarah contracts is not optimal, so improvements are needed to be in accordance with the values of justice, clarity, and benefits in the Islamic economy.
Co-Authors Alfina Zamelia Andrean Permadi Lala Tri Wulandari Mangzillatur Rohmah