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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 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 Journal of Ekonomics, Finance, and Management Studies Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Wicara Desa
Akhmad Jufri
Lecturer at Faculty of Economics and Business University of Mataram
Religion 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 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.
Bentuk Pembiayaan Usahatani Ditinjau dari Perspektif Islam di Kecamatan Pringgasela Kabupaten Lombok Timur Dewi, Nur Eliza Samudra; Jufri, Akhmad; Huzaini, Moh.
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i4.11502

Abstract

This study aims to analyse agricultural financing in Pringgasela Subdistrict, East Lombok Regency, and to analyse how financing is viewed from an Islamic perspective. This study is qualitative in nature. Data collection techniques include interviews, observation, and documentation. Informants for this study were selected using purposive and snowball sampling techniques. The data validity checking technique used by the author in this study was triangulation, and the data analysis method used was the interactive Miles and Huberman method, which consists of data collection, data reduction, data presentation, and conclusion drawing. Based on the results of the research, it can be seen that there are two types of agricultural financing carried out by farmers, namely financing with their own capital and financing using capital from middlemen or collectors (borrowing or Qardh). Financing with own capital involves having other businesses besides farming that are used as sources of income to finance farming needs, such as grain trading, rice milling, and drying businesses. Meanwhile, financing from middlemen takes the form of loans of money. Loans in the form of money provided by investors or middlemen do not incur additional charges or interest, but middlemen only reap profits when harvest time arrives because they are the ones who sell the farmers' crops, allowing them to determine the prices paid to farmers. Both types of financing are in accordance with the principles of Islamic economics.
Co-Authors AB, Alamsyah Agustiani, Eka 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 Dewi, Nur Eliza Samudra 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 Nurhaliza Prima Astuti Handayani 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