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All Journal Studia Economica: Jurnal Ekonomi Islam Finest : Jurnal Riset dan Pengembangan Ekonomi Islam Journal of Finance and Islamic Banking IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita
Yona Fitri
STAI Hubbulwathan Duri
Religion Economics, Econometrics & Finance Social Sciences

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Efektivitas Kebijakan Bantuan Langsung Tunai (BLT) Dalam Upaya Meningkatkan Daya Beli Masyarakat Anggi Suci Rahmawati; Yona Fitri
Finest : Jurnal Riset dan Pengembangan Ekonomi Islam Vol 7, No 2 (2023): Finest: Jurnal Riset dan Pengembangan Ekonomi Islam
Publisher : Finest : Jurnal Riset dan Pengembangan Ekonomi Islam

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Abstract

Penelitian ini bertujuan untuk melihat bagaimana bantuan langsung tunai (BLT) di desa sebangar kecamatan bathin solapan mampu meningkatkan daya beli masyarakat yang menurun akibat dampak wabah covid-19 khususnya pada masyarakat yang berada di Dusun Talang Joneh Desa Sebangar Kecamatan Bathin Solapan. Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian kualitatif dengan pengumpulan data melalui observasi, wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa bantuan langsunng tunai (BLT) di Desa Sebangar Kecamatan Bathin Solapan ini sudah efektif karena sudah sesuai dengan aturan dan ketetapan dari pemerintah. BLT yang disalurkan kepada masyarakat dapat membantu meningkatkan daya beli masyarakat yang sempat menurun akibat dampak dari kemunculan wabah covid-19.
Pelaksanaan Fatwa DSN-MUI dalam Pembiayaan Pengalihan Hutang di Bank Riau Kepri Syariah Capem Duri Yona Fitri; Wahyu Akbar
Finest : Jurnal Riset dan Pengembangan Ekonomi Islam Vol 5, No 2 (2021): Finest : Jurnal Riset dan Pengembangan Ekonomi Islam
Publisher : Finest : Jurnal Riset dan Pengembangan Ekonomi Islam

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Tujuan penelitian ini untuk mengetahui bagaimana Pelaksanaan Fatwa DSN-MUI dalam Pembiayaan Pengalihan Hutang di Bank Riau Kepri Syariah Capem Duri. Jenis penelitian yang dilakukan adalah metode kualitatif yang diperoleh data dengan melihat dari fatwa DSN-MUI dalam pelaksanaaan pembiayaan pengalihan hutang pada Bank Riau Kepri Syariah Cabang Duri. Teknik pengumpulan yang digunakan adalah data primer dan data sekunder. Hasil penelitian ini menunjukkan bahwa ada lima prosedur pelaksanaan akad pengalihan hutang yang dilakukan antara lain melakukan pengajuan pengalihan hutang pada bank Bank Riau Kepri Syariah Capem Duri, mengajukan permohonan untuk melakukan pengecekan keaslian dokumen dan melakukan BI cheking untuk mengetahui informasi atas pinjaman yang diberikan oleh bank, jika hasil verifikasi layak maka Bank menyetujui pemberian pembiayaan pengalihan hutang, mengeluarkan dana qardh sebesar sisa hutang nasabah dan nasabah melunasi hutangnya dibank dengan dana qardh yang dikeluarkan oleh Bank Riau Kepri Syariah Capem Duri. Kemudian, dari 4 alternatif  dalam Fatwa DSN No 31/DSN-MUI/VI/2002 Tentang Pengalihan Hutang hanya satu yang melakukan pengalihan hutang yaitu Alternatif I yaitu Lembaga Keuangan Syariah memberikan Qardh kepada nasabah untuk melunasi hutang/kreditnya di lembaga keungan konvensional sehingga kepemilikan aset bisa didapatkan oleh nasabah secara penuh.
Peran MUI Pekanbaru Komisi Pembangunan Ekonomi Umat Dalam Mengembangkan Ekonomi Syariah Di Kota Pekanbaru yona Fitri; Mohd. Fikri Azhari; Mariatul Fitri
Finest : Jurnal Riset dan Pengembangan Ekonomi Islam Vol 5, No 1 (2021): Finest : Jurnal Riset dan Pengembangan Ekonomi Islam
Publisher : Finest : Jurnal Riset dan Pengembangan Ekonomi Islam

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Abstract

This writing is based on the problems where many people in Pekanbaru city still do not understand about Sharia economy. Where the city of Pekanbaru which most of the population is Muslim but there are still many people who do not understand what is Sharia economy. The data of this research were collected through interview technique, documentation and literature study. The types and sources of data used in this study are primary data obtained directly through interviews with members of the MUI Pekanbaru city and documentation with members of the MUI Pekanbaru.Sedangkan secondary data obtained from the journal MUI Pekanbaru city and with the literature associated with this research. The result of the research shows that the work program of MUI of Pekanbaru City is now available, but its role has not been seen because when doing research MUI Pekanbaru experience change of stewardship so that the work program has not been implemented yet. However, MUI Pekanbaru has plans to conduct workshop / training in next year. The role of Indonesian Ulema Council of Pekanbaru city is currently trying to empower small traders and students in the form of training. The Indonesian Ulema Council of Pekanbaru also runs its role through preaching to mosques. The influence of MUI of Pekanbaru on the development of Sharia economy, Economic Development Commission of Ummah always encourage people to apply Sharia economy in daily life, starting from saving in Syariah bank and shopping at sharia center like Sharia Supermarkets. 
Mudharabah dan Filsafat Ekonomi Islam Yona Fitri; Muhammad Habibi Siregar
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26258

Abstract

This study discusses mudharabah as one of the main instruments in the Islamic financial system and its relationship with Islamic economic philosophy. The concept of mudharabah is one of the main pillars in the Islamic economic system that prioritizes justice, honesty, and social responsibility in economic activities. Conceptually, mudharabah is understood as a cooperation contract between the capital owner (shahibul maal) and the business manager (mudharib) with the principle of profit sharing and risk sharing. From a normative perspective, this contract is in line with the principles of maqasid al-shari‘ah, especially in realizing justice, trustworthiness, and the economic welfare of the people. In practice, mudharabah has been widely used in modern Islamic financial institutions, especially in supporting the micro and small business sector, although its implementation still faces challenges in the form of moral hazard, information asymmetry, and regulatory limitations. This study uses a library research approach by analyzing classical and contemporary literature. The research results confirm that mudharabah is not only a financing instrument, but also a manifestation of Islamic philosophical values that are relevant to addressing global challenges, strengthening Islamic financial inclusion, and encouraging equitable and sustainable economic development for the people
Digital Payment Systems and Their Role in Shaping a Cashless Society Yona Fitri; Muhammad Irwan Padli Nasution; Muhammad Habibi Siregar
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 15 No 1 (2026): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita-June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v15i1.2975

Abstract

Purpose – This study aims to analyze the role of digital payment systems in shaping a cashless society among university students, focusing on their experiences and perceptions in using digital payment platforms such as e-wallets, mobile banking, and QR-based payments. Method – The research employs a qualitative approach using a phenomenological method. Data were collected through in-depth interviews with selected informants using purposive sampling and analyzed using thematic analysis, including coding, categorization, and theme development. Findings – The findings reveal that digital payment systems have become an essential part of students’ daily financial activities, significantly reducing reliance on cash transactions. The adoption is influenced by perceived ease of use, perceived usefulness, trust, and social influence, with social influence emerging as the most dominant factor. The study also identifies both positive and negative behavioral impacts, including increased efficiency as well as impulsive spending tendencies, and notes that from an Islamic economic perspective, digital payment systems are considered permissible as long as they comply with Sharia principles. Implications – Theoretically, the study contributes to understanding the behavioral and religious dimensions of digital payment adoption among students. Practically, it implies that strengthening digital infrastructure, enhancing financial literacy, and ensuring Sharia compliance are crucial for supporting sustainable and inclusive cashless society development.
Institutional Roles of Islamic Microfinance in Countering Informal Moneylenders: Evidence from Rural Communities Yona Fitri; Khaidar Rahmaini Jamila; Yekti Mahanani; Muslim Marpaung
Journal of Finance and Islamic Banking Vol. 8 No. 2 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i2.13106

Abstract

Purpose: This study examines the role of PNM Mekaar Syariah in preventing the expansion of informal moneylending practices in rural communities, particularly among women micro entrepreneurs with limited access to formal financial services. It focuses on how Islamic microfinance mechanisms and group based empowerment reduce dependence on usurious lending. Method: A qualitative ethnographic approach was employed through participant observation, semi structured interviews, and field immersion within selected rural beneficiary groups. Data were thematically analyzed to capture patterns of financial behavior, social capital formation, and changes in borrowing practices. Results: The findings indicate that PNM Mekaar Syariah strengthens financial discipline, enhances entrepreneurial capacity, and builds trust based social capital through group financing structures. Beneficiaries demonstrate increased financial autonomy and a notable decline in reliance on informal moneylenders. Nevertheless, the study identifies the need for continuous financial education and digital payment integration to ensure long term sustainability. Implication: The study highlights Islamic microfinance as an effective community based strategy for preventing predatory lending and promoting sustainable financial inclusion in rural areas. Originality: This research offers ethnographic insights into Islamic microfinance by integrating social, behavioral, and religious dimensions in addressing informal moneylending practices in rural Indonesia.
Co-Authors Anggi Suci Rahmawati Khaidar Rahmaini Jamila Mariatul Fitri Mohd. Fikri Azhari Muhammad Habibi Siregar Muhammad Habibi Siregar Muhammad Irwan Padli Nasution Wahyu Akbar Yekti Mahanani