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All Journal JURNAL SAINS DAN TEKNOLOGI INDONESIA Journal of Degraded and Mining Lands Management JSEH (Jurnal Sosial Ekonomi dan Humaniora) Jurnal Pengabdian Magister Pendidikan IPA Jurnal Pengabdian Masyarakat Bumi Raflesia Indonesia Berdaya Jurnal Abdimas Sangkabira JURNAL ILMIAH GLOBAL EDUCATION ALEXANDRIA: Journal of Economics, Business, and Entrepreneurship Golden Ratio of Auditing Research Economic Reviews Journal Jurnal Konstanta : Ekonomi Pembangunan Indonesian Journal of Advanced Research (IJAR) Jurnal Oportunitas : Ekonomi Pembangunan Journal of Finance, Economics, and Business Studia Ekonomika International Journal of Economics Studies Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Wicara Desa
Akhmad Jufri
Lecturer at Faculty of Economics and Business University of Mataram
Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Veterinary Other

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ONLINE SELLING AND BUYING USING THE PAYLATER FEATURE ON THE SHOPEE APPLICATION FROM AN ISLAMIC Istiqomah, Santun; Huzaini, Moh.; Jufri, Akhmad
Journal of Finance, Economics and Business Vol. 4 No. 2 (2025): Journal of Finance, Economics, and Business (JFEB), 2025
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v4i2.278

Abstract

This study aims to analyze the use of Shopee PayLater service and review its suitability with Islamic law, as well as evaluate the extent to which students of the Faculty of Economics and Business, University of Mataram understand the concept of Shopee PayLater in accordance with sharia principles. The research method used is a qualitative approach with data collection techniques through interviews, observation, and documentation to several students who use the service. The results showed that the buying and selling system using Shopee PayLater was considered not in accordance with the provisions in Islamic law. Although it has fulfilled the elements of the pillars and conditions in the qardh contract, in practice this service contains elements of usury, both qardh usury in the form of additional loans, as well as nasi'ah usury in the form of late fees that are quite high and burdensome for consumers, thus making the contract haram in shari'i. In addition, there are still many students who do not deeply understand Islamic law related to digital financial transactions such as Shopee PayLater. In fact, some who are aware of the element of usury still choose to use it to fulfill their urgent needs. Keywords: Online Selling and Buying, Shopee PayLater, Riba, Qardh, Islamic Law
Faktor-Faktor Yang Mempengaruhi Minat Nasabah Mengambil Pembiayaan Pada Koperasi Serba Usaha (KSU) Karya Terpadu Syariah Cabang Masbagik, Lombok Timur Rukmana, Dina Ardiyanti; Jufri, Akhmad; Huzaini, Moh
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 3: Maret 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i3.12385

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh lokasi, promosi, bagi hasil, religiusitas, dan persepsi terhadap minat nasabah mengambil pembiayaan di Koperasi Serba Usaha (KSU) “Karya Terpadu Syariah” cabang Masbagik. Jenis penelitian yang digunakan yaitu asosiatif dengan pendekatan kuantitatif. Populasi dalam penelitian ini yaitu seluruh nasabah Koperasi Serba Usaha (KSU) “Karya Terpadu Syariah” cabang Masbagik, dan jumlah sampel yang diambil sebanyak 90 responden. Metode pengambilan sampel yang digunakan dalam penelitian ini adalah probability sampling dengan metode simple random sampling. Data primer diperoleh melalui kuesioner kemudian dianalisis menggunakan software SPSS versi 26 melalui uji validitas, reabilitas, regresi linier berganda, uji t, dan uji F. Hasil penelitian ini menunjukkan bahwa variabel Bagi Hasil, Religiusitas dan Persepsi berpengaruh positif dan signifikan terhadap Minat Nasabah Mengambil Pembiayaan. Sedangkan, variabel Lokasi dan Promosi tidak berpengaruh terhadap Minat Nasabah Mengambil Pembiayaan.
Implementasi Etika Bisnis Islam Pada Pedagang di Pasar Kelurahan Kelayu Selatan Kecamatan Selong Kabupaten Lombok Timur Ismayanti, Dini; Jufri, Akhmad; Huzaini, Moh.
ALEXANDRIA (Journal of Economics, Business, & Entrepreneurship) Vol. 7 No. 1 (2026): April (PROCESS)
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/alexandria.v7i1.1251

Abstract

This research aims to understand the comprehension and implementation of Islamic business ethics by traders in the Kelayu Selatan market. This study employs a qualitative approach descriptive method. Data collection techniques used include observation, interviews, and documentation. The determination of informants uses purposive and snowball techniques. The data validity method used is triangulation. The data analysis follows the Miles and Huberman interactive model, comprising data collection, data reduction, data presentation, and conclusion drawing. The research result indicate that the majority of traders in the Kelayu market are fully aware of and understand the Islamic business ethics taught by Prophet Muhammad SAW. Ttraders have implemented these ethics by being honest, trustworthy, transparent, and innovative. In terms of honesty, traders do not use oaths and are truthful in measurements. Regarding trustworthiness, traders do not break promises, never hoard goods, set transparent prices, and have not fully maintained specific records of debtors. In terms of transparency, traders always provide information about the goods they sell, offer good services, and are willing to negotiate with buyers. Lastly, traders use strategies in trading, maintain good relationships, and regularly provide discounts.
Analisis Rendahnya Minat Generasi Muda Bekerja di Sektor Pertanian di Desa Lendang Nangka Utara Kecamatan Masbagik Kabupaten Lombok Timur Nawafi, Kholissatun; Jufri, Akhmad; Akbar Hidayat, Ali
Economic Reviews Journal Vol. 5 No. 2 (2026): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v5i2.1095

Abstract

This study aims to analyze the factors that influence this low interest of young people in working in the agricultural sector in Lendang Nangka Utara Village, Masbagik District, East Lombok Regency. This study uses a qualitative approach. There are three paths of qualitative data analysis, namely data reduction, data presentation, and conclusion drawing. With data obtained through interviews, observations, and documentation with triangulation source validity testing. The research informants consisted of young people, hamlet heads, village secretaries, and the patrents of the interviewed youth.The results of the study show that the interest of the younger generation in Lendang Nangka Utara Village in the agricultural sector is relatively low. This low interest is influenced by several key factors: wages/income, continuity, education, family land assets, and family environment. Government support is needed in the form of training, capital, and modern technology to increase the interest of the younger generation in the agricultural sector.
The Effect of Poverty Rate, Gross Regional Domestic Product, Provincial Minimum Wage, and Unemployment Rate on the Human Development Index in 34 Provinces of Indonesia (2015–2024) Prabawati, Putu Apriliani; Jufri, Akhmad
Golden Ratio of Auditing Research Vol. 6 No. 2 (2026): February - June
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grar.v6i2.2137

Abstract

This study aims to analyze the influence of poverty level, Gross Regional Domestic Product (GDP), Provincial Minimum Wage (UMP), and unemployment rate on the Human Development Index (HDI) in 34 Indonesian provinces for the period 2015–2024. The study used a quantitative approach with secondary panel data from the Central Statistics Agency. The model used is the Fixed Effect Model (FEM) because it is able to control unobserved heterogeneity between provinces that is constant during the observation period. The estimated results showed that the poverty and unemployment levels had a negative and significant effect on HDI (p < 0.05), while GDP and UMP had a positive and significant effect (p < 0.05). Simultaneously, all independent variables had a significant effect on HDI with a probability value of the F test < 0.05 and a high coefficient of determination (R²), demonstrating the model's ability to explain variations in HDI between provinces. These findings confirm that improving regional economic performance and adequate wage policies contribute to improving the quality of human development, while poverty and unemployment are the main inhibiting factors. Therefore, development policies need to be focused on reducing economic inequality and increasing employment opportunities to encourage equitable distribution of human development in Indonesia.
Co-Authors AB, Alamsyah Agustiani, Eka Akbar Hidayat, Ali Akung Daeng Alfi Azizah Amnur, Fitrah Putra Ardianto, Akmal Ardodik, Yogi Aryani, Zahira Baiq Ismiwati Baiq Saripta Wijimulawiani Bayuaji, Datu Garindra Adlahaq Beti, Jajuk Aneka Cahyani, Khairia Regita DEWI SAHARA Dhanny Safitri Eliza, Nova falah, Epha khoiriya Farhira, Farras Julfa Fitriani, Hijjatul Forita Dyah Arianti, Forita Dyah Guna, Hendi Surya Halil, Muhammad Handayani, Cicik Oktasari Hasbudiana, Anisa Hidayanti, Indah Octa Hilmi, Lubna Tul Huzaini, Moh Ibrahim, Isra Dewi Kuntary Ilmi, Amalia Indrawan, Yogi Ismayanti, Dini Istiqomah, Santun Jauhari Syamsiyah Kinanti, Wulan Sophia Kuncoro, Zain Bagus Laksmi , Ni Nyoman Sita Laksmi, Ni Nyoman Sita Lukman Hakim M. Firmansyah Magfirahti, Ranggaini MARIA BINTANG Maro'ah, Siti Masrun masrun Mitakasia, Dinda Sesar MOH. HUZAINI, MOH. Mukhoyyaroh, Uswatun Muslimin, Ihwan Nul Nawafi, Kholissatun Nurhaliza Prabawati, Putu Apriliani Puspita , Rr. Rofita Puspita, Rofita qurtubi, Muhammad nazri Rachim, Nazmi Aulia Rizal Kurniansah Rizqiah, Pelita Ro'is, Ihsan Rosiani, Rani Rosjidi, Mochamad Ro’is, Ihsan Rukmana, Dina Ardiyanti Sagir, Junaidi Sagita, Lara Sahri Sahri Sahri Sanna, Nurfadila Aulia SANWANI SANWANI, SANWANI Satarudin Sheila, Maria Selvina Tifani Dame Hasany Titi Yuniarti, Titi TITIEK HERWANTI, TITIEK Triyani Dewi utami, noorwitri wahyunadi Wahyunadi, Wahyunadi Wardana, Eka Widia Wirananda, Muhammad Rifka Wirawan, Lalu Hendra YUDHA, I DEWA KETUT Zaenal Abidin Zu'amah, Hidayatuz Zulkaida, Siti