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Apakah Literasi Keuangan Mempengaruhi Gaya Hidup? Bukti Empiris Ibu Rumah Tangga Tidak Bekerja Muhajir, Muhammad Nur Alam; Buluatie, Nur Apriani; Muh. Zulqarnain; Alma
MUAMALAH Vol. 14 No. 2 (2024): jurnal muamalah
Publisher : MUAMALAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/m.v14i2.5498

Penelitian ini membahas tentang dampak literasi keuangan terhadap gaya hidup ibu rumah tangga yang tidak bekerja. Penelitian yang digunakan adalah penelitian dengan pendekatan kuantitaif dengan teknik purposive sampling sehingga diperoleh 110 sampel dan analisis data dengan SPSS memakai regresi linear sederhana. Hasil penelitian ini menegaskan bahwa literasi keuangan mempunyai pengaruh yang signifikan terhadap gaya hidup ibu rumah tanggi yang tidak bekerja. Namun, kurangnya pemahaman terhadap literasi keuangan dapat menyebabkan kebiasaan gaya hidup yang buruk. Kesimpulan dari penelitian ini adalah Iiterasi keuangan merupakan variabel penting dalam pengelolaan keuangan dan juga mempengaruhi gaya hidup ibu rumah tangga utamanya yang tidak bekerja. Oleh karena itu, pemahaman mengenai literasi keuangan perlu ditingkatkan. Diharapkan penelitian lebih lanjut mengenai faktor-laistar terkait literasi keuangan yang mempengaruhi gaya hidup.

Harmonizing Islamic Law and Local Culture: A Study of The Mampatangpulo Tradition in Duri, Enrekang Regency Rahmawati, Rahmawati; Muhajir, Muhammad Nur Alam; Assad, Andi Sukma; Abdain, Abdain; Taudiyah, Nasya Tisfa
Jurnal Ilmiah Al-Syir'ah Vol 22, No 1 (2024)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/jis.v22i1.2678

This research thoroughly examines the relationship between customary law and Islamic law and how they relate to Mampatangpulo. This type of research is qualitative, and the research location is in Enrekang Duri, where a sociological and phenomenological approach is used. The data in this research comes from primary and secondary data, while the data collection techniques used in this research use observation, interviews, and documentation. Data is processed and analyzed using data reduction techniques, presentation, and conclusion drawing. The results of this research show that the process of implementing the Mampatangpulo Tradition starts from the Sangbonginna, Mangbongi tallu, Mangbongi pitu events and the peak of the Mampatangpulo event after the death of the deceased. In the process of implementing the Mampatangpulo Tradition, several stages of traditional processions are considered sacred and essential to carry out, namely Mangpepellao (Lowering), Mampakande-kande (Feeding), Manggere' beke (Slaughtering a goat). The Mampatangpulo tradition can only be carried out if the procession does not violate Islamic law. According to a review of Islamic law regarding the implementation of the Mampatangpulo tradition, the law is okay when the procession does not violate Islamic law because, in the implementation of the Mampatangpulo tradition that developed in the people of South Sulawesi, there are habits that have positive values. This research also shows a strong relationship between customary law and Islamic law in the Mampatangpulo tradition, such as in the takziah and friendship events. The results of this study confirm that the culture that develops in Indonesian society and globally can be preserved if it does not conflict with Islamic values.

Does Islamic Financial Inclusion Matter for Household Financial Well Being? Hamida, Ambas; Muhajir, Muhammad Nur Alam; Sukran, Sukran; Paulus, Muni
Jurnal Keuangan dan Perbankan Vol 27, No 1 (2023): January 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v27i1.8659

This study aims to analyze the effect of islamic financial inclusion on financial well being by measuring the relationship between each dimension or the construction of research variables. The data was collected from 100 households using the services of Islamic financial institutions in Indonesia. Analysis of the structural equation model–partial least square (SEM-PLS) was conducted to analyze the relationship between variables and test a series of hypotheses. The results showed that access had a significant effect on financial satisfaction, financial safety and household financial worries. Dimensions and construction usage have a positive effect on financial satisfied, financial safety and household emergency funds. Meanwhile, construction quality has an effect on household financial safety. This study will determine the policy makers of the Islamic financial sector in planning services and improving access, quality and usage of Islamic financial services. This research will also increase household knowledge about household financial management.JEL: D1, G5, I3

Apakah Literasi Keuangan Mempengaruhi Gaya Hidup? Bukti Empiris Ibu Rumah Tangga Tidak Bekerja Muhajir, Muhammad Nur Alam; Buluatie, Nur Apriani; Muh. Zulqarnain; Alma
MUAMALAH Vol. 14 No. 2 (2024): jurnal muamalah
Publisher : MUAMALAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/m.v14i2.5498

Penelitian ini membahas tentang dampak literasi keuangan terhadap gaya hidup ibu rumah tangga yang tidak bekerja. Penelitian yang digunakan adalah penelitian dengan pendekatan kuantitaif dengan teknik purposive sampling sehingga diperoleh 110 sampel dan analisis data dengan SPSS memakai regresi linear sederhana. Hasil penelitian ini menegaskan bahwa literasi keuangan mempunyai pengaruh yang signifikan terhadap gaya hidup ibu rumah tanggi yang tidak bekerja. Namun, kurangnya pemahaman terhadap literasi keuangan dapat menyebabkan kebiasaan gaya hidup yang buruk. Kesimpulan dari penelitian ini adalah Iiterasi keuangan merupakan variabel penting dalam pengelolaan keuangan dan juga mempengaruhi gaya hidup ibu rumah tangga utamanya yang tidak bekerja. Oleh karena itu, pemahaman mengenai literasi keuangan perlu ditingkatkan. Diharapkan penelitian lebih lanjut mengenai faktor-laistar terkait literasi keuangan yang mempengaruhi gaya hidup.

A Inauspicious Month in Javanese Wedding Tradition in Luwu Utara, South Sulawesi: Perspective of Islamic Law Rahmawati, Rahmawati; Takdir, Takdir; Muhajir, Muhammad Nur Alam; Abdain, Abdain
Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam Vol 7, No 2 (2024): Vol. 7, No. 2, April 2024
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/jua.v7i2.36725

Determining inauspicious days in Javanese marriage traditions is significant. Sometimes, this leads to debates and controversies from various perspectives as it is considered contrary to Islamic law. This research aims to examine the determination of inauspicious days in Javanese marriage traditions during the month of Muharram (Suro). This study employs an empirical juridical approach using theories of social change and Islamic legal theory, particularly social tradition ('urf) and public interest (maslahah). Data is collected through interviews and literature reviews. Subsequently, the data is analyzed using these theories through data reduction, data presentation, and conclusion drawing processes. The research results reveal that the determination of inauspicious days in marriage traditions is based on the societal belief in the existence of inauspicious days for couples marrying in the month of Suro. This belief is grounded in experiences and stories passed down through generations. On the other hand, the concept of maslahah refers to the welfare or benefit for humans. In the context of inauspicious days for marriage, maslahah refers to efforts to prevent conflicts between couples and families. Furthermore, from the perspective of Islamic law, prohibiting marriage in the month of Suro in North Luwu Regency is permissible because there are no prohibitions in the Quran or hadith against it. Such traditions in Islamic law are referred to as ‘urf shahih, which are good and permissible customs as long as they do not contradict sharia. The prohibition is valid if it is based on the motivation to obey parental advice (birr al-walidayn) and as a form of respect for deceased parents, and linking everything that happens to the will of Allah SWT. However, if the tradition contradicts sharia and harms faith, then the tradition cannot be practiced.

Harmonizing Islamic Law and Local Culture: A Study of The Mampatangpulo Tradition in Duri, Enrekang Regency Rahmawati, Rahmawati; Muhajir, Muhammad Nur Alam; Assad, Andi Sukma; Abdain, Abdain; Taudiyah, Nasya Tisfa
Jurnal Ilmiah Al-Syir'ah Vol 22, No 1 (2024)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/jis.v22i1.2678

This research thoroughly examines the relationship between customary law and Islamic law and how they relate to Mampatangpulo. This type of research is qualitative, and the research location is in Enrekang Duri, where a sociological and phenomenological approach is used. The data in this research comes from primary and secondary data, while the data collection techniques used in this research use observation, interviews, and documentation. Data is processed and analyzed using data reduction techniques, presentation, and conclusion drawing. The results of this research show that the process of implementing the Mampatangpulo Tradition starts from the Sangbonginna, Mangbongi tallu, Mangbongi pitu events and the peak of the Mampatangpulo event after the death of the deceased. In the process of implementing the Mampatangpulo Tradition, several stages of traditional processions are considered sacred and essential to carry out, namely Mangpepellao (Lowering), Mampakande-kande (Feeding), Manggere' beke (Slaughtering a goat). The Mampatangpulo tradition can only be carried out if the procession does not violate Islamic law. According to a review of Islamic law regarding the implementation of the Mampatangpulo tradition, the law is okay when the procession does not violate Islamic law because, in the implementation of the Mampatangpulo tradition that developed in the people of South Sulawesi, there are habits that have positive values. This research also shows a strong relationship between customary law and Islamic law in the Mampatangpulo tradition, such as in the takziah and friendship events. The results of this study confirm that the culture that develops in Indonesian society and globally can be preserved if it does not conflict with Islamic values.

Empowering Coastal Communities Through Sustainable Economy and Adoption of Financial Technology in Bira Beach, South Sulawesi Gaffar, Andi Nurrahma; Muhajir, Muhammad Nur Alam; Mursyid; Ilham; Aqidah, Nur Ariani; Hamida; Ikram, Muhammad; Zam, Muhammad Fahmi Ilyasir
Engagement: Jurnal Pengabdian Kepada Masyarakat Vol. 9 No. 2 (2025): November 2025
Publisher : Asosiasi Dosen Pengembang Masyarajat (ADPEMAS) Forum Komunikasi Dosen Peneliti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/engagement.v9i2.2126

Bira Beach in South Sulawesi is a leading coastal tourism destination with strong potential for local economic growth through micro, small, and medium enterprises (MSMEs). However, many MSMEs still face challenges related to limited digital literacy, product innovation, and understanding of sustainable business management. This community service program was designed to enhance MSME competitiveness, promote sustainable business practices aligned with the Sustainable Development Goals (SDGs), improve digital literacy, and foster collaboration among entrepreneurs, academics, and local government. Using participatory collaborative and descriptive methods, the program implemented a series of workshops, mentoring sessions, and field visits focusing on financial technology adoption, creative product innovation, and sustainable creative economy training. The results show an increased understanding of sustainable business concepts, greater readiness to adopt financial technology such as QRIS and e-wallets, and enhanced digital marketing capabilities among MSME participants. The program also encouraged stronger cooperation between MSMEs and local stakeholders to support long-term independence and sustainable community-based economic development in the Bira Beach area.

Institutional Determinants of Sharia Consumers’ Motivation in Indonesia Muhajir, Muhammad Nur Alam; Erwin, Erwin; Alisiya, Dima Ade; Samsul, Samsul; Rasmi, Rasmi
MEC-J (Management and Economics Journal) Vol 9, No 3 (2025)
Publisher : Faculty of Economics, State Islamic University of Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/mec-j.v9i3.35320

This research is important because several behavioral and psychological factors such as religiosity, Islamic business ethics, trust, satisfaction, and perception are frequently reported to influence the motivation of sharia consumers. This study aims to analyze the influence of religiosity, Islamic business ethics, trust, satisfaction and perception on the motivation of sharia consumers in Indonesia. Data were analyzed using the Structural Equation Model Partial Least Square (SEM PLS) method. This study was conducted with a quantitative approach and data collection techniques through Accidental Sampling, with a sample size of 110 respondents obtained through questionnaires. Data were analyzed using the Structural Equation Model Partial Least Square (SEM PLS) method. The population in this study were sharia consumers in Indonesia.Based on the empirical findings, this study contributes theoretically by clarifying the roles and interactions of religiosity, Islamic business ethics, trust, satisfaction, and perception in shaping sharia consumer motivation. The results also present practical implications for sharia business actors and policy makers in designing strategies that strengthen and sustain sharia consumer motivation. The novelty of this study lies in its analytical shift from prior research that primarily emphasized sharia consumer purchasing behavior, toward a deeper examination of consumer motivation. Furthermore, this study extends the discussion of boycott-related motivations by integrating non-economic variables such as religiosity, Islamic business ethics, trust, satisfaction, and perception.

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