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Opportunities and Challenges in Implementing Cash Waqf in Climate Change Mitigation in West Lombok Regency Ihsan Rois; Moh. Huzaini; Subhan Purwadinata; Ali Akbar Hidayat; Widyatul Jannah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (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.v7i3.11073

Abstract

Climate change has become a problem that threatens the entire world, and its impact is increasingly being felt in various regions, including the district of West Lombok. This region often experiences various natural disasters such as floods, droughts, and declining agricultural production due to climate change, which has an impact on the community's economy. This study aims to explore the opportunities and challenges of implementing cash waqf for climate change mitigation in West Lombok Regency. This study develops the concept of green waqf that can be used for forest rehabilitation, renewable energy, and sustainable natural resource management. The method used is qualitative research with literature studies, in-depth interviews with stakeholders, and analysis of secondary data related to the potential for waqf in the area. The results of the study show that the opportunities for implementing cash waqf are wide open for climate change mitigation in West Lombok. Meanwhile, the challenges faced are low public awareness of cash waqf, a limited number of cash waqf nazhir, and a limited number of cash waqf collection banks.
Decision to Cash Waqf by the Muslim Community Mediated by Awareness and Interest Ali Akbar Hidayat; Moh. Huzaini; Ihsan Ro'is; Muhammad Dzul Fadlli; Vici Handalusia Husni; Zalina Zainal
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 13 No. 1 (2026)
Publisher : Universitas Islam Negeri Madura

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Abstract

This research aims to analyze the factors influencing the decision to engage in a cash waqf in West Nusa Tenggara. This research method employed a quantitative approach with an associative framework. This study did not specify the population size. Accordingly, sampling was performed using a non-probability sampling method, which ultimately resulted in a convenience sample of 230 respondents, as determined by the Lemeshow formula. Religiosity, attitude, and subjective norm are the independent variables, while the decision to cash a waqf is the dependent variable. Awareness and interest serve as a moderating variable. This study utilizes Structural Equation Modeling – Partial Least Squares (SEM-PLS) to analyze data. The research results indicate that religiosity, attitudes, and subjective norms have a positive but insignificant effect on the decision to cash a waqf. The same result occurs when religiosity, attitudes, and subjective norms are mediated by awareness. However, these three variables positively impact the decision to cash a waqf, with interest as a mediator, and this impact is statistically significant. An adjusted R-Squared value of 0.520 or 52 percent indicated that the variables of religiosity, attitudes, subjective norms, awareness, and interest can explain the variation in the decision to cash waqf, which indicates a moderate model. This result is strong in the context of complex behavioral models, given that many similar studies show Adjusted R-Squared values between 30 and 70 percent.
BUSINESS ETHICHS OF MUSLIM TRADERS FROM AN ISLAMIC PERSPECTIVE AND ITS IMPACT ON THE WELFARE OF MUSLIM TRADERS IN THE TRADITIONAL MARKET OF MOTONG, UTAN SUB-DISTRICT, SUMBAWA DISTRICT RIZA ANGGRAINI SAFITRI; Moh. Huzaini; Akhad Jufri
Journal of Finance, Economics and Business Vol. 4 No. 1 (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.v4i1.257

Abstract

This study aims to determine the types of goods traded by traders and analyze the business ethics of traders and analyze the level of welfare of Muslim traders in Motong Market, Utan District, Sumbawa Regency. This research uses a descriptive qualitative approach. The type of research used is field research. Data collection techniques used are interviews, observation, and documentation. Determination of informants using purposive and snow ball. The conclusions of this study are: There are five groups of goods traded, namely agricultural products, home industry, fishery products, basic necessities and various types of snacks; Most traders have applied Islamic business ethics, such as being tauhid, honest, and transparent, not using false oaths, being lenient and generous, building good relationships and setting prices transparently. Two did not apply Islamic business ethics, such as being dishonest in selling, selling goods that are not of good quality; Most traders have obtained good welfare (hayaatan tayyibah) and have been qana'ah. Despite living in simplicity, they are already included in a prosperous family, because they have been able to fulfill their dharuriyat and hajiyat needs. Only one person has not because he has not been able to fulfill the needs of Hifdzu Diin, namely neglecting to perform the five daily prayers. Keywords: Islamic Business Ethics, Traders, Islamic Welfare This study aims to determine the types of goods traded by traders and analyze the business ethics of traders and analyze the level of welfare of Muslim traders in Motong Market, Utan District, Sumbawa Regency. This research uses a descriptive qualitative approach. The type of research used is field research. Data collection techniques used are interviews, observation, and documentation. Determination of informants using purposive and snow ball. The conclusions of this study are: There are five groups of goods traded, namely agricultural products, home industry, fishery products, basic necessities and various types of snacks; Most traders have applied Islamic business ethics, such as being tauhid, honest, and transparent, not using false oaths, being lenient and generous, building good relationships and setting prices transparently. Two did not apply Islamic business ethics, such as being dishonest in selling, selling goods that are not of good quality; Most traders have obtained good welfare (hayaatan tayyibah) and have been qana'ah. Despite living in simplicity, they are already included in a prosperous family, because they have been able to fulfill their dharuriyat and hajiyat needs. Only one person has not because he has not been able to fulfill the needs of Hifdzu Diin, namely neglecting to perform the five daily prayers.Keywords: Islamic Business Ethics, Traders, Islamic Welfare
ONLINE SELLING AND BUYING USING THE PAYLATER FEATURE ON THE SHOPEE APPLICATION FROM AN ISLAMIC Santun Istiqomah; Moh. Huzaini; Akhmad Jufri
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