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All Journal JURNAL RISET AKUNTANSI DAN AUDITING The Indonesian Accounting Review Quantitative Economics and Management Studies Journal of Accounting, Entrepreneurship and Financial Technology (JAEF) Balance : Jurnal Akuntansi dan Manajemen Maqrizi : Journal of Economics and Islamic Economics Jurnal Akuntansi Manado (JAIM) Jurnal Penelitian Pendidikan Indonesia International Journal of Islamic Business and Economics (IJIBEC)
Karundeng, Frandy Efraim Fritz
Universitas Negeri Manado
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Mathematics Social Sciences Other

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Internal and External Drivers of Ijon Transactions in Clove Farming: Evidence From Kotabunan Village, East Bolaang Mongondow Mokobombang, M.Alfa Riski; Karundeng, Frandy Efraim Fritz
Maqrizi: Journal of Economics and Islamic Economics Vol 5 No 2 (2025): Maqrizi : Journal of Economics and Islamic Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/maqrizi.v5i2.1813

Abstract

This study aims to analyze the internal and external factors behind the practice of buying and selling transactions of the ijon system in clove farmers in Kotabunan Village, East Bolaang Mongondow Regency. The research uses a qualitative approach with a field descriptive method. Data was collected through direct observation, structured interviews with farmers, permit buyers, and village officials, as well as supporting documentation. Data analysis is carried out through the stages of data reduction, data presentation, and conclusion. The results of the study show that the buying and selling practice of the permit system is influenced by two main groups of factors. Internal factors include the urgent need to meet basic needs, farmers' dependence on permit buyers, the desire to make quick profits, and low Islamic financial literacy. Meanwhile, external factors include hereditary transaction culture, the influence of reference groups such as middlemen and fellow farmers, and uncertainty about clove prices in the market. The ijon system was chosen as a strategy to survive price fluctuations and the risk of harvest costs, even though in fiqh muamalah, it contains elements of gharar due to the uncertainty of the transaction object. This study concludes that Ijon practices are not solely driven by individual economic motives, but also by strengthened social and cultural structures at the community level. Therefore, this study recommends strengthening Islamic financial literacy, providing alternative access to capital, and community-based institutional interventions to reduce farmers' dependence on the ijon system and improve rural economic justice.
Co-Authors Elni Usoh Fitria Ayu Lestari Niu Frida Magda Sumual Hasan Jan, Radlyah Herman Karamoy Jacqueline Vania Wardhani Jenny Nancy Kaligis Joulanda A. M. Rawis Julia Griezela Bertha Kamodi Luky Patricia Widianingsih Meidy Santje Selvy Kantohe Mokobombang, M.Alfa Riski Nangoi, Grace B Olviane Olke Sumampouw Palit, Seisy Elvira Tesalonika Sefanya Pinontoan Tumbelaka, Steven Set Xaverius Usman, Miranda Suhardi