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All Journal AL-RISALAH An - Nisa` QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam IKRA-ITH EKONOMIKA Al-Qalam Al-Muqayyad Jurnal EK dan BI Jurnal Ilmiah Al-Tsarwah Asy-Syarikah : Jurnal Lembaga Keuangan, Ekonomi dan Bisnis Islam Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Al-Iqtishod : Jurnal Ekonomi Syariah Jurnal Ekonomi dan Manajemen Indonesia Al-Muamalat : Jurnal Ekonomi Syariah Islamiconomic: Jurnal Ekonomi Islam KINDAI : Kumpulan Informasi dan Artikel Ilmiah Manajamen dan Akuntansi Al-Risalah: Jurnal Hukum Keluarga Islam (Ahwal Al-Syakhsiyah) Perbanas Journal of Islamic Economics and Business Journal of Islamic Economics Lariba Benefit : Journal of Bussiness, Economics, and Finance Mu'amalah : Jurnal Hukum Ekonomi Syariah Mutiara: Multidiciplinary Scientifict Journal Islamic Banking and Finance Journal of Financial, Business and Economics Journal of Islamic Economics and Finance Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Innovative and Creativity Journal of Development Economic and Social Studies (JDESS) Jurnal Inovasi Ekonomi Syariah dan Akuntansi International Journal of Economics, Commerce, and Management Jurnal Manajemen Bisnis dan Keuangan Jurnal Akuntansi dan Keuangan Syariah Jipmor: Jurnal Ilmu Pendidikan Dan Humaniora Journal of Islamic Economics and Finance Jurnal Ekonomi, Manajemen, Akuntansi LAN TABUR: JURNAL EKONOMI SYARIAH
Sitti Nikmah Marzuki, Sitti Nikmah
Institut Agama Islam Negeri (IAIN) Bone
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Mechanical Engineering Social Sciences Other

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Analisis Faktor-faktor Yang Mempengaruhi Proses Mendapatkan Sertifikasi Halal Di Kalangan Para Pelaku Usaha Mikro Di Kabupaten Bone Nurul Dzakyya Syifa; Sitti Nikmah Marzuki; Rina Novianty
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.1743

Abstract

Penelitian ini menganalisis faktor-faktor yang mempengaruhi proses mendapatkan sertifikasi halal di kalangan pelaku usaha mikro di Kabupaten Bone. Faktor-faktor yang dianalisis meliputi pengetahuan pelaku usaha, kesadaran pentingnya sertifikasi halal, dan biaya sertifikasi halal. Fokus penelitian ini terletak pada bagaimana keempat faktor tersebut memengaruhi niat dan kemauan pelaku usaha mikro untuk mengajukan sertifikasi halal sebagai bentuk kepatuhan terhadap ketentuan keagamaan dan kebutuhan pasar. Pertanyaan penelitian yang diajukan adalah: (1) Apakah pengetahuan pelaku usaha berpengaruh terhadap sertifikasi halal, (2) Apakah kesadaran pentingnya sertifikasi halal berpengaruh terhadap sertifikasi halal, dan (3) Apakah biaya sertifikasi halal berpengaruh terhadap sertifikasi halal. Untuk menjawab pertanyaan penelitian tersebut, data dikumpulkan melalui penyebaran kuesioner kepada 170 pelaku usaha mikro di Kabupaten Bone. Teknik pengambilan sampel yang digunakan adalah Simple random sampling, dan data dianalisis menggunakan regresi linier berganda dengan bantuan aplikasi SPSS. Data yang diperoleh dari responden kemudian diolah untuk mengetahui pengaruh masing-masing variabel terhadap sertifikasi halal.Hasil penelitian menunjukkan bahwa: (1) Pengetahuan pelaku usaha berpengaruh terhadap sertifikasi halal, (2) Kesadaran pentingnya sertifikasi halal berpengaruh terhadap sertifikasi halal, dan (3) Biaya sertifikasi halal berpengaruh terhadap sertifikasi halal. Dengan demikian, sebagian besar hipotesis yang diajukan dalam penelitian ini terbukti dan dapat diterima.
Strategi Pengembangan BSI Smart Agen di Kab. Bone Armin, Armin; Marzuki, Sitti Nikmah; Titiek Muthmainnah
Islamic Banking and Finance Vol. 5 No. 2 (2025)
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v5i2.6001

Abstract

Penelitian ini menganalisis strategi pengembangan BSI Smart Agen dalam mendorong inklusi keuangan syariah di Kabupaten Bone serta merumuskan strategi pengembangannya. Penelitian menggunakan pendekatan kualitatif deskriptif dengan pengumpulan data melalui observasi, wawancara mendalam, dan dokumentasi. Analisis dilakukan menggunakan pendekatan SWOT untuk mengidentifikasi faktor internal dan eksternal yang memengaruhi kinerja agen. Hasil penelitian menunjukkan bahwa BSI Smart Agen memiliki potensi besar dalam memperluas akses layanan keuangan syariah melalui pemanfaatan teknologi digital, fleksibilitas operasional, dan dukungan kebijakan inklusi keuangan. Namun, pengembangan layanan masih menghadapi keterbatasan modal kerja, rendahnya literasi keuangan masyarakat, persaingan antaragen, serta kendala infrastruktur jaringan. Analisis SWOT menempatkan BSI Smart Agen pada Kuadran I, yang menunjukkan bahwa strategi agresif merupakan pendekatan paling tepat untuk memperkuat peran agen dalam mendukung inklusi keuangan syariah.
Human Development and Institutional Quality: Enhancing Welfare in OIC Countries Basri; Riska Prasasti; Muh. Irnandas; Hasnidar Yuslin; Sitti Nikmah Marzuki
Journal of Development Economic and Social Studies Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This study investigates the factors influencing human resource development (HRD) in Organization of Islamic Cooperation (OIC) countries, focusing on the moderating role of government governance. The analysis explores variables such as inflation, foreign direct investment (FDI), GDP, population, unemployment, international trade, and human capital, examining their impact on HRD and institutional quality. Secondary data from trusted sources including the World Bank, UNDP, Our World in Data, and WGI is utilized, covering 50 OIC countries from 2012 to 2021. The research applies Dynamic Panel GMM and Moderated Regression Analysis (MRA) to identify relationships and moderating effects. Findings show that inflation adversely affects the Human Development Index (HDI), while FDI and economic growth positively influence HDI, highlighting the importance of foreign investment in revitalizing OIC economies. Population growth, human capital, and unemployment also play crucial roles in HRD. Furthermore, government governance emerges as a quasi-moderator, underlining its significance in the effective development of human resources. This study emphasizes the importance of addressing inflation, FDI, GDP, unemployment, human capital, and trade policies to foster sustainable HRD, with government governance playing a key supportive role.
Penerapan Etika Bisnis Islam dan Prinsip Budaya Bugis Sebagai Strategi Penguatan Karyawan pada CV Surya Indah Group Ayu Puspa Kirana; Aksi Hamzah; Sitti Nikmah Marzuki
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i6.8126

Abstract

This study aims to analyze the implementation of Islamic business ethics and Bugis cultural principles as a strategy for employee empowerment at CV Surya Indah Group in Bone Regency. In today’s highly competitive business environment, empowering employees is a key factor in achieving organizational success, especially when approached through local cultural and spiritual values. This research employs a qualitative descriptive method with a case study approach. Data were collected through in-depth interviews, direct observation, and documentation involving both employees and management. The findings reveal that Islamic business ethics values such as siddiq (honesty), amanah (trustworthiness), tabligh (communicativeness), and fathanah (wisdom) have been internalized in the company’s work culture. Furthermore, Bugis cultural values such as sipakatau (mutual respect), sipakalebbi (mutual honor), and getteng (firmness in principle) strengthen employee loyalty and responsibility toward the organization. The synergy between these religious and cultural values has proven effective in fostering a harmonious work environment, enhancing motivation, and encouraging long-term employee retention. The implication of this study suggests that organizations can sustainably strengthen human resources by integrating local cultural wisdom and Islamic ethics into their employee management strategies.
EXAMINING THE MEDIATING ROLE OF TAWĀḌUʿ IN REDUCING ECOLOGICAL POVERTY THROUGH ECONOMIC BEHAVIOR Nurlisa Safitri; Syaparuddin Razak; Sitti Nikmah Marzuki; Hukmiah Husain
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 26 No 1 (2026)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/ecjcge35

Abstract

This study examines the mediating role of tawāḍuʿ in reducing ecological poverty through economic behavior. It integrates the concepts of deep ecology, environmental justice, and khilāfah to explain the relationships among environmental injustice, natural resource exploitation, economic greed, sustainable environmental policy, and ecological poverty. Using a quantitative approach with SEM-PLS, data were collected from 245 Muslim middle-class respondents in South Sulawesi, Indonesia. The findings show that environmental injustice increases resource exploitation, which intensifies economic greed and leads to less responsible economic behavior while weakening tawāḍuʿ. In contrast, sustainable environmental policy enhances tawāḍuʿ, fostering ethical awareness and promoting more responsible economic behavior. Tawāḍuʿ significantly contributes to reducing ecological poverty and serves as a key mediator linking structural and behavioral factors to socio-ecological outcomes. The results indicate that ecological issues are not merely technical or economic but are also shaped by moral-spiritual dimensions that influence economic behavior. This study contributes by proposing an integrative ecological–structural–spiritual model and empirically validating the role of tawāḍuʿ within Islamic environmental ethics. Practically, it highlights the importance of integrating moral-spiritual values into sustainable environmental governance.
Analisis Kelangkaan Pupuk Pertanian Bagi Petani Terhadap Produktivitas Dan Kesejahteraan Dari Pandangan Ekonomi Syariah (Studi Kasus Desa Ajang Pulu Kecamatan Sibulue) Arbi Ansyah; Sitti Nikmah Marzuki; Masyhuri Masyhuri
IKRAITH-EKONOMIKA Vol. 8 No. 3 (2025): IKRAITH-EKONOMIKA Vol 8 No 3 November 2025
Publisher : Universitas Persada Indonesia YAI

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk menganalisis kelangkaan pupuk pertanian serta dampaknya terhadap produktivitas dan kesejahteraan petani di Desa Ajang Pulu, Kecamatan Sibulue, Kabupaten Bone, dalam perspektif ekonomi syariah. Permasalahan utama yang diangkat adalah belum optimalnya distribusi pupuk bersubsidi yang menyebabkan kelangkaan, keterlambatan penyaluran, dan ketidaksesuaian kuota dengan kebutuhan riil petani. Penelitian ini menggunakan metode deskriptif kualitatif dengan pendekatan lapangan melalui wawancara mendalam, observasi, dan dokumentasi terhadap petani, pengecer pupuk, serta pihak terkait. Hasil penelitian menunjukkan bahwa distribusi pupuk di Desa Ajang Pulu masih menghadapi berbagai kendala seperti keterlambatan pengiriman, keterbatasan kuota, dan ketidaktepatan sasaran penerima. Kondisi tersebut berdampak pada menurunnya hasil panen dan kesejahteraan petani. Dalam perspektif ekonomi syariah, sistem distribusi yang belum merata ini belum sepenuhnya mencerminkan prinsip keadilan (al-‘adl), kemaslahatan (maslahah), dan amanah. Kesimpulannya, agar distribusi pupuk lebih efektif dan sesuai dengan nilai-nilai Islam, diperlukan penyederhanaan regulasi, peningkatan transparansi, serta pengawasan yang lebih ketat untuk memastikan keadilan dan kesejahteraan petani secara berkelanjutan.
Spiritual Trust in AI Systems: Investigating the Role of Ta‘abbud in Personalized E-Commerce for Generation Z Syahraeni; Syaparuddin; Sitti Nikmah Marzuki; Hukmiah; Sabbar Dahham Sabbar
Al-Muamalat Vol. 12 No. 2 (2025): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v12i2.46646

Abstract

The rapid growth of AI-based e-commerce has yet to integrate spiritual values such as ta‘abbud, essential for Muslim consumers in fostering trust and holistic well-being. This study aims to explore the role of ta‘abbud in AI recommendation systems, enhancing consumer well-being materially and spiritually through increased consumer trust. The research is grounded in four theoretical frameworks: the Technology Acceptance Model (TAM), Consumer Well-Being, Consumer Behavior, and AI Personalization. The study employs Partial Least Squares Structural Equation Modeling (PLS-SEM) to assess relationships between variables. Data were collected via a stratified sampling questionnaire involving 240 Generation Z respondents. The findings reveal that information accessibility significantly influences the shopping experience (R² = 0.743), whereas recommendation quality moderately affects consumer trust (R² = 0.724). Furthermore, AI-based recommendation personalization enhances consumer well-being (R² = 0.635) by improving trust and recommendation relevance (R² = 0.586). Although the effect of ta‘abbud is relatively small, it plays a meaningful role in shaping trust in AI systems, particularly for halal product purchases. This study offers practical implications for Sharia-compliant e-commerce in building consumer loyalty through value-based strategies.
DAMPAK HIBAH KOMPETITIF PROGRAM YESS (YOUTH ENTREPRENEURSHIP AND EMPLOYMENT SUPPORT SERVICES) TERHADAP KESEJAHTERAAN KELUARGA PERSPEKTIF EKONOMI ISLAM (STUDI DI KEC. TANETE RIATTANG BARAT, KAB. BONE) Hardina Pratiwi; Sitti Nikmah Marzuki; Jumarni Jumarni
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2025): Mei
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/joieaf.v1i4.2106

Abstract

Penelitian ini bertujuan menganalisis pelaksanaan dan dampak hibah kompetitif Program YESS (Youth Entrepreneurship And Employment Support Services) terhadap kesejahteraan keluarga penerima di Kecamatan Tanete Riattang Barat, Kabupaten Bone. Penelitian ini menggunakan metode kualitatif deskriptif dengan data diperoleh melalui wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan pelaksanaan hibah kompetitif telah berjalan dengan baik dan efektif melalui tahapan pemberian dana hibah, pelatihan, dan pendampingan dari fasilitator muda. Namun, akses informasi kepada petani muda masih minim, masih ada petani muda yang belum mengetahui informasi terkait program YESS termasuk program hibah kompetitif. Di mana penerima hibah kompetitif di Kec. Tanete Riattang Barat hanya berjumlah 4 orang. Dampak utama program hibah kompetitif meliputi pengembangan usaha, peningkatan pendapatan, dan kesejahteraan keluarga. Dalam ekonomi islam kesejahteraan tidak hanya diukur dalam aspek material seperti pendapatan dan kepemilikan aset tetapi juga dari aspek spiritual dan sosial yang berlandaskan pada maqashid syariah yang terdiri dari 5 pokok yaitu menjaga agama (hifdz ad-din), menjaga jiwa (hifdz an-nafs), menjaga akal (hifdz al-aql), menjaga harta (hifdz al-maal), dan menjaga keturunan (hifdz an-nasl) menjadi aspek yang selalu di jaga oleh keluarga. Adapun kesejahteraan berdasarkan klasifikasi BKKBN, 2 keluarga penerima berada pada tingkat keluarga sejahtera III, 1 pada tingkat keluarga sejahtera III Plus, dan 1 pada tingkat keluarga sejahtera I.   Kata Kunci : Program YESS, Hibah Kompetitif, Kesejahteraan Keluarga
Pengaruh Preferensi Konsumen Muslim Terhadap Keputusan Menggunakan Fashion Baju Bodo Di Watampone Nurdianti Ramdani; Sitti Nikmah Marzuki; Munawarah Munawarah
Benefit: Journal of Bussiness, Economics, and Finance Vol. 3 No. 2 (2025): BENEFIT: Journal Of Business, Economics, and Finance
Publisher : Lembaga Penelitian Dan Publikasi Ilmiah (lppi) Yayasan Almahmudi Bin Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70437/benefit.v3i2.1318

Abstract

Baju bodo merupakan warisan budaya masyarakat Bugis yang sarat nilai religius dan simbolik, namun mengalami penurunan minat di kalangan generasi muda Muslim di Watampone. Penelitian ini bertujuan untuk menganalisis pengaruh preferensi konsumen Muslim terhadap keputusan menggunakan produk fashion baju bodo. Metode yang digunakan adalah pendekatan kuantitatif dengan penyebaran kuesioner kepada 100 responden Muslim di Watampone. Hasil analisis regresi menunjukkan bahwa preferensi konsumen, meliputi aspek kepercayaan, harga, kualitas produk, dan lokasi, berpengaruh signifikan terhadap keputusan penggunaan baju bodo. Temuan ini menegaskan pentingnya strategi pemasaran yang mempertimbangkan nilai budaya dan religius dalam mempertahankan eksistensi fashion tradisional. Penelitian ini merekomendasikan pendekatan kreatif dan edukatif bagi pelaku UMKM untuk mengembangkan produk baju bodo agar tetap relevan di tengah modernisasi.
Implementasi Manajemen Risiko Pada Keberlanjutan Usaha Bumdes Temmapettue: Studi pada Desa Teamalala Kecamatan Ulaweng Suci Aryuningsih; Abd. Rasyid R; Sitti Nikmah Marzuki
Islamic Banking and Finance Vol. 6 No. 1 (2026)
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v6i1.6170

Abstract

Village-Owned Enterprises (BUMDes) play a strategic role in promoting rural economic development; therefore, effective risk management is essential to ensure business sustainability. This study aims to analyze the implementation of risk management, business development, and the challenges encountered by BUMDes Temmapettue in Teamalala Village, Ulaweng District, Bone Regency. The research employed a qualitative approach, with data collected through observation, interviews, and documentation, and analyzed using descriptive qualitative methods. The findings indicate that risk management has been implemented through continuous risk identification, assessment, control, and evaluation, which has contributed significantly to the development and sustainability of the enterprise. The implementation of risk management has strengthened operational performance, improved managerial capability, and enhanced the management's confidence in the long-term prospects of the business. Nevertheless, several challenges remain, including delays in the supply of raw materials and minor workplace injuries experienced by employees during the production process. In conclusion, the implementation of risk management plays a crucial role in supporting the sustainability of BUMDes Temmapettue. However, continuous improvements in risk mitigation strategies are necessary to ensure the long-term resilience and sustainability of the enterprise.
Co-Authors A. Ika Fahrika A.Wulandari Abd. Rasyid R Abd. Rasyid R Abd.Hafid Abdullahanaa, Abdullahanaa Affandi, Lukman Akifah Aksi Hamzah Amelia Apriliani Bulan Amir, Muhammad Fakhri Andi Musdalipah Andi Oddang Anggryani, Lisa Anisa Anisa Anizah, Nur Arafah, Muh Arbi Ansyah Ariska, Ayu Armin Armin, Armin Aulia Nur Ramadhani Ayu Puspa Kirana Basri Buhari, Ulfa Luthfiyah Fitri, Nur Aulia Hafid, Abd. Hardina Pratiwi Haslinda Haslinda, Haslinda Haslindah Haslindah Hasminiar, Hasminiar Hasnidar Yuslin Herianti Herianti Hj. Hukmiah Hukmiah HUKMIAH HUSAIN Ida Farida Ida Farida Ihzani, Masdathul Irsyam, Muh Islami, Nur Ainul Islami Jumarni Jumarni Jumriani , Jumriani Jumriani, Jumriani Jusman, Rahmayani Kadir, Syahruddin Kasnaini KIRANA, AYU PUSPA Masyhuri Masyhuri Muh. Irnandas Muhammad Yamin Muis, Musrini Muljan, Muljan Munawarah Munawarah Mutalib, Ahmad Abdul mutiara mutiara Nur Azizah Nur Hikmah Nurdianti Ramdani Nurhidayah Nurhidayah Nurlisa Safitri Nurul Dzakyya Syifa Rahmat Hidayat Rahmayanti, Vera Rajul, Ahmad Razak, Syaparuddin Restiani, Vira Restiara Oktaviana Rezki Ananda Putra Rina Novianty Rina Novianty, Rina Rini Idayanti Riska Prasasti Rosmini Rosmini Sabbar Dahham Sabbar Sakirah Sakirah Sardina Sari, Surya Karmila Shadriyah Sinta Sahara Strech, David E Suci Aryuningsih Syahraeni Syahraeni, Syahraeni Syamsul Bahri Syaparuddin Syaparuddin Syaparuddin Razak Titiek Muthmainnah wahyuni wahyuni