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All Journal Journal of Economic, Bussines and Accounting (COSTING) JES (Jurnal Ekonomi Syariah Jurnal Ekonomi Syariah Indonesia Borneo Islamic Finance and Economics Journal (BIFEJ) Ekodestinasi : Jurnal Ekonomi, Bisnis, dan Pariwisata JSE: Jurnal Sharia Economica
Esti Alfiah
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Religion Economics, Econometrics & Finance Social Sciences

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PERAN PENGURUS KOPERASI KONSUMEN AL-MUAWANAH SYARIAH DALAM UPAYA MENGEMBANGKAN MUAWANAH MART UINFAS BENGKULU Atisa Prianti; Supardi Mursalin; Esti Alfiah
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 5 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i5.12227

Abstract

The purpose of this research is to determine the role of the Al-Muawanah Syariah Consumer Cooperative Management in efforts to develop Muawanah Mart UINFAS Bengkulu. This study uses a qualitative research method. While data collection in this study uses an interview system, observation, and documentation. The results of this study, the form of role carried out by the management of the Al-Muawanah Syariah consumer cooperative, namely in terms of: (1) Capital (2) In terms of cooperation (3) Products (4) Planning in efforts to develop Muawanah Mart development carried out by the Al-Muawanah Syariah consumer cooperative are: (1) Promotion or Trying to continuously introduce this Muawanah Mart mini market to the community both verbally and through social media (2) Increasing the number of members and investment (3) Establishing cooperation through business partners of the Al-Muawanah Syariah Consumer Cooperative, the cooperative relationship between producers and this institution is one of the efforts made by the university to provide a forum for students to be able to create new innovations so as to produce a work of products or services that have high selling value.
Analysis of Inhibiting Factors in the Micro Business Credit Financing Process and Implications for Customer Business Sustainability at Bank Syariah Indonesia Mukomuko Branch Office Ayu Retno Trianingsih; Idwal B; Esti Alfiah
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 6, NO.1, Juni 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v0i0.13282

Abstract

This study aims to determine and analyze the implementation process of Sharia People's Business Credit (KUR Syariah) distribution, identify inhibiting factors in the financing process, and analyze the implications of these obstacles on the business sustainability of customers at Bank Syariah Indonesia (BSI) KCP Mukomuko. The research method used is qualitative with a descriptive approach. Data were collected through in-depth interviews with five informants consisting of the Micro Business Manager (MBS) and Retail Sales Executive (RSE), as well as through observation and documentation. The results showed that the distribution process of KUR Syariah at BSI KCP Mukomuko is carried out through stages of application, OJK SLIK file verification, field survey (On The Spot), 5C feasibility analysis (Character, Capacity, Capital, Collateral, Condition), to the signing of the murabahah contract. The main inhibiting factors found include internal factors in the form of technical and geographical constraints, as well as external factors such as the unreadiness of customer administrative documents and the low quality of the character or capacity of prospective debtors. The implications of these financing process obstacles impact delays in receiving capital which cause customers to lose business momentum; however, in general, successfully distributed financing provides positive implications for increasing turnover, adding assets, and expanding market reach for MSMEs in Mukomuko Regency. Keywords: KUR Syariah, Inhibiting Factors, Business Sustainability, BSI KCP Mukomuko.
Eksplorasi Implementasi Nilai-Nilai Islam dalam Praktik Ekonomi Berkelanjutan pada Peternakan Ikan Lele BUMDes Naga Rantai Harlin Muhamat Wahyu; Herlina Yustati; Esti Alfiah
Ekodestinasi Vol. 4 No. 1 (2026): EKODESTINASI: Jurnal Ekonomi, Bisnis, dan Pariwisata
Publisher : CV Global Research Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59996/ekodestinasi.v4i1.1139

Abstract

This study aims to explore the application of Islamic values in the operations of BUMDes Naga Rantai's catfish farming and their contribution to village economic sustainability. Utilizing a descriptive qualitative method with a case study approach, data were gathered through in-depth interviews, direct observations, and documentation from BUMDes management, workers, and village officials, then analyzed using triangulation techniques. The results indicate that the integration of four key indicators—Tawhid, Khalifah (Amanah), Prohibition of Riba/Gharar, and Justice—has been successfully implemented within the business unit. Tawhid and Khalifah are manifested through ecological responsibility, including feed efficiency and waste management using decomposer bacteria within a circular economy model. Meanwhile, the prohibition of riba/gharar and justice are applied through transparent transaction systems, accurate product weighing, and fair wages for local workers. The internalization of these values contributes significantly as moral guidelines and operational SOPs, effectively mitigating environmental risks and business fraud while sustainably reinforcing village economic independence.
Pengaruh Fomo, Review Konten Kreator, dan Live Shopping terhadap Perilaku Konsumtif Generasi Z Muslim Pengguna Tiktok Radiah Aszahrah; Herlina Yustati; Esti Alfiah
JES (Jurnal Ekonomi Syariah) Vol. 11 No. 1 (2026): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v11i1.1230

Abstract

Abstract: The rapid development of digital technology and social media, especially TikTok, has significantly influenced the consumer behavior of Generation Z. Psychological factors such as FOMO, as well as social media features such as Content Creator Reviews and Live Shopping have become important factors that encourage individuals to make unplanned purchases, which have the potential to cause consumer behavior. This study aims to determine the effect of FOMO, content creator reviews, and live shopping on the consumer behavior of Muslim Generation Z TikTok users in Bengkulu City. This study uses a quantitative approach with an associative research type. Data analysis was carried out through validity and reliability tests, classical assumption tests, and linear multiple regression analysis. Hypothesis testing used t-test, F-test, and coefficient of determination using SPSS 27 software. The number of samples in this study was 100 respondents, with data collected through a Likert-based questionnaire. The results showed that FOMO, content creator reviews, and live shopping had a positive and significant effect on consumer behavior. Simultaneously, the three independent variables significantly influenced consumer behavior, contributing 85.2% (R² = 0.852), while the remaining 14.8% was influenced by factors outside the research model. These findings highlight the crucial role of digital factors and social media in shaping the consumption patterns of Generation Z Muslims.     Keywords: FOMO; content creator review; live shopping; consumptive behavior; Generation Z.
KONSEP TAWAZUN DALAM ZERO WASTE PADA KEBUTUHAN DASAR MANUSIA Hayifa Sasi Firmadi; Idwal B; Esti Alfiah
Jurnal Ekonomi Syariah Indonesia (JESI) Vol. 5 No. 1 (2026): Maret
Publisher : STEI Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jesi.v5i1.276

Abstract

Penelitian ini bertujuan mengkaji konsep Tawazun dalam Islam serta menganalisis penerapannya dalam praktik Zero Waste pada pemenuhan kebutuhan dasar manusia yang meliputi pangan, sandang, dan papan. Penelitian menggunakan metode library research dengan pendekatan deskriptif-analitis. Data diperoleh dari Al-Qur'an, hadis, buku, jurnal ilmiah, scopus dan dokumen pendukung yang relevan, kemudian dianalisis menggunakan teknik content analysis. Hasil penelitian menunjukkan bahwa konsep Tawazun memiliki keterkaitan yang erat dengan prinsip Zero Waste melalui penerapan 5R (Refuse, Reduce, Reuse, Recycle, dan Rot). Pada aspek pangan, penerapan Tawazun diwujudkan melalui pengendalian food waste, konsumsi secukupnya, dan pemanfaatan limbah organik. Pada aspek sandang, konsep ini tercermin dalam pengurangan konsumsi pakaian berlebihan, praktik thrifting, upcycling, dan pengelolaan limbah tekstil. Pada aspek papan, penerapan Tawazun diwujudkan melalui efisiensi penggunaan energi, pengelolaan limbah rumah tangga, dan pemanfaatan sumber daya yang ramah lingkungan. Dengan demikian, Tawazun dapat menjadi landasan etis dan spiritual dalam penerapan Zero Waste guna mewujudkan pemenuhan kebutuhan dasar manusia yang berkelanjutan serta selaras dengan nilai-nilai Islam.
Peran Etika Bisnis Islam dalam Meningkatkan Kepercayaan dan Repeat Order Konsumen Regina Kosmetik Argamakmur Dzamratul Fauziah; Asnaini Asnaini; Esti Alfiah
Jurnal Ekonomi Syariah Indonesia (JESI) Vol. 5 No. 1 (2026): Maret
Publisher : STEI Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jesi.v5i1.444

Abstract

Penelitian ini bertujuan untuk mengetahui peran etika bisnis Islam dalam meningkatkan kepercayaan dan repeat order konsumen pada Toko Regina Kosmetik Argamakmur. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan deskriptif. Informan penelitian terdiri atas pemilik toko, karyawan, dan konsumen yang dipilih menggunakan teknik purposive sampling. Teknik pengumpulan data dilakukan melalui observasi, wawancara, dan dokumentasi, sedangkan analisis data menggunakan reduksi data, penyajian data, dan penarikan kesimpulan dengan uji keabsahan data melalui triangulasi. Hasil penelitian menunjukkan bahwa penerapan etika bisnis Islam di Toko Regina Kosmetik Argamakmur telah dilaksanakan dengan baik melalui pelayanan yang ramah, jujur, transparan, bertanggung jawab, serta memberikan informasi produk dan harga secara jelas kepada konsumen. Penerapan etika bisnis tersebut mampu meningkatkan kepercayaan konsumen karena mereka merasa aman, nyaman, dan memperoleh pelayanan yang memuaskan. Kepercayaan yang terbentuk kemudian mendorong terjadinya repeat order, di mana konsumen cenderung kembali berbelanja serta merekomendasikan Toko Regina Kosmetik Argamakmur kepada orang lain. Dengan demikian, penerapan etika bisnis Islam tidak hanya berperan dalam membangun kepercayaan konsumen, tetapi juga berkontribusi terhadap terbentuknya loyalitas konsumen melalui pembelian ulang (repeat order).
PERILAKU TENGKULAK TERHADAP PETANI SAYUR DITINJAU DARI ETIKA BISNIS ISLAM(Studi di Kecamatan Ratu Agung Kota Bengkulu) Luqman Hakim; Desi Isnaini; Esti Alfiah
JSE: Jurnal Sharia Economica Vol. 5 No. 3 (2026): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/3pbxpt22

Abstract

This study discusses the application of Islamic business ethics to middleman behavior in buying and selling vegetables with farmers in Kebun Tebeng Village, Ratu Agung District, Bengkulu City. This research aims to find out the behavior of middlemen, the form of transparency in transactions, and a review of Islamic business ethics on these practices. The method used is field research with a descriptive qualitative approach. Data were collected through observation, interviews, and documentation with 8 informants consisting of 4 middlemen and 4 vegetable farmers who were selected purposively. The results of the study show that the practice of buying and selling between middlemen and vegetable farmers in general has reflected the values of honesty, justice, transparency, and responsibility, although there are still some shortcomings in its implementation. Middlemen are considered to help farmers in marketing their crops, while farmers also feel benefits in the form of ease of distribution and certainty of sales. However, there are still obstacles such as late payments and price adjustments that depend on market conditions. This research contributes to enriching the study of Islamic business ethics, especially on the economic relationship between middlemen and vegetable farmers. The results of the study emphasized the importance of applying Islamic business ethics principles so that transactions take place fairly, transparently, and mutually beneficial.
Co-Authors Asnaini Asnaini Atisa Prianti Ayu Retno Trianingsih Ayu Yuningsih Desi Isnaini Dzamratul Fauziah Harlin Muhamat Wahyu Hayifa Sasi Firmadi Herlina Yustati Idwal B Luqman Hakim Radiah Aszahrah Supardi Mursalin