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All Journal Al-Kharaj: Journal of Islamic Economic and Business Moneta: Jurnal Manajemen & Keuangan Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Muh. Rasbi
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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PENGARUH KEAMANAN, KEMUDAHAN, DAN DISKON DOMPET DIGITAL TERHADAP PERILAKU KONSUMTIF MAHASISWA PASCASARJANA IAIN PALOPO Ginanjar, Muh. Ginanjar; Muh. Rasbi; Fasiha; Atika Tahir; Linda A. Ali
Moneta: Jurnal Manajemen & Keuangan Syariah Vol 2 No 2 (2024): MONETA : Jurnal Manajemen dan Keuangan Syariah
Publisher : Program Studi Manajemen Keuangan Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/moneta.v2i2.8920

Abstract

The aim of this research is to determine the impact of digital wallets on consumer behavior of IAIN Palopo graduate students. The population of this research is all IAIN Palopo postgraduate students totaling 340 people who use digital wallets with a sample selected of 78 respondents. This research method uses quantitative methods with multiple linear regression tests. The findings of this research indicate that security influences the constective behavior of IAIN Palopo Postgraduate Students with a significant value of 0.004. Convenience has no effect on the constative behavior variable of IAIN Palopo Postgraduate Students with a significant value of 0.976, while digital wallet discounts have no effect on the constitive behavior variable of IAIN Palopo Postgraduate Students with a significant value of 0.317. And security, convenience and discounts related to digital wallets simultaneously influence the purchasing behavior of postgraduate students at IAIN Palopo with a significant value of 0.000
Strengthening the Principle of Al-Adl in Economic Dispute Resolution to Reduce Non-Performing Financing at PT BPR Syariah Dana Monet Palopo Branch Sukri Wahid; Mujahidin; Muh. Rasbi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.7536

Abstract

This study aims to determine the strengthening of the Al-adl principle in the resolution of economic disputes in reducing non-performing financing at PT. BPRS Dana Monetary Branch Palopo. The research method used is qualitative which analyzes data from arguments, or respondents' answers related to the object of study. The research approach used a case study on several cases of sharia economic disputes that occurred between customers and PT. BPR Syariah Dana Monetary Branch Palopo. The number of respondents was taken from 3 debtors who fell into the default category. Data collection was carried out through interviews, observation, and documentation. Data analysis with the steps of data reduction, data display, and drawing conclusions. This study found that the resolution of sharia economic disputes at PT BPR Syariah Dana Monetary Branch Palopo was carried out through internal mediation and litigation, adjusted to the debtor's condition. Debtors experiencing business decline were given restructuring, while bankrupt ones were given leniency up to voluntary liquidation. For debtors with indications of moral hazard, the bank takes legal action to uphold justice, including the execution of collateral according to court decisions. Strengthening the Al-Adl principle in dispute resolution at PT BPRS Dana Monetary Palopo Branch is carried out through four main steps: a fair approach tailored to the debtor's circumstances, transparency in the resolution process, deliberation for the mutual benefit, and ongoing evaluation to prevent recurrence of disputes.
Ketimpangan Ekonomi dan Sosial yang Terjadi pada Masyarakat di Wilayah Wara Kota Palopo Ernawati; Muh. Rasbi; Wulandari; M. Aditia Asri
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (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.v7i3.6648

Abstract

issue that affects the welfare of the local community. Even though Palopo City has experienced several developments, the Wara region still faces significant challenges related to unequal distribution of income, access to education, health and infrastructure. This article aims to analyze the factors that cause inequality, its impact on society, and efforts that can be made to reduce this gap. The main factors causing inequality in Wara include limited access to education and skills training, limited economic opportunities in the informal sector, and underdeveloped infrastructure. The impacts of this inequality include increasing social inequality, hindering sustainable development, and worsening poverty levels. To overcome this problem, increasing access to education, equitable infrastructure development, local economic empowerment and efforts to eliminate social discrimination are needed. With collaborative efforts between the government, the private sector and the community, it is hoped that economic and social inequality in the Wara region can be reduced, bringing positive impacts to community welfare and inclusive development.
Co-Authors Atika Tahir Ernawati Fasiha Ginanjar, Muh. Ginanjar Linda A. Ali M. Aditia Asri Mujahidin Sukri Wahid WULANDARI