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All Journal Imtiyaz : Jurnal Ilmu Keislaman Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial
Siti Fatimah
Institut Islam Al Mujaddid Sabak
Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance

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DINAMIKA GAYA HIDUP HALAL GENERASI MUDA: ANALISIS PREFERENSI KONSUMSI DALAM FRAME EKONOMI ISLAM Widia Sari; Haeran; Siti Fatimah; Sarwono
IMTIYAZ: Jurnal Ilmu Keislaman Vol. 10 No. 3 (2026): September
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/zw709p04

Abstract

The transformation of halal lifestyle from mere religious compliance into a part of popular culture has created new dynamics in the consumption preferences of young Muslim consumers. This study aims to analyze the meaning, practices, and rationality of halal consumption among students at Institut Islam Al-Mujaddid Sabak from the perspective of Islamic economics. The study employed a descriptive qualitative field research approach involving 10 students from different study programs and academic levels selected through purposive sampling. Data were collected through semi-structured in-depth interviews, participatory observation, and documentation, and were analyzed through data condensation, thematic coding, data display, and conclusion drawing and verification. Data trustworthiness was strengthened through source, technique, and time triangulation. The findings show that students’ halal lifestyle has developed into a broader way of life encompassing halal food and cosmetics, the use of Islamic financial services, and ethical conduct in daily life. However, a gap was identified between halal awareness, halal literacy, and consistency of practice, particularly due to limited product accessibility, peer influence, social media trends, and symbolic consumption. From the perspective of Islamic economics, students’ consumption preferences tend to reflect the fulfillment of maslahah through the hierarchy of dharuriyyah, hajiyyah, and tahsiniyyah, while also relating to the protection of hifz al-din, hifz al-nafs, and hifz al-mal. This study proposes a halal consumption rationality model for young Muslims consisting of religious awareness, halal literacy, social and digital influence, maslahah evaluation, consumption decision, and self-control. The model demonstrates that Muslim youth consumption rationality is determined not only by the halal status of products, but also by their ability to assess maslahah and control tendencies toward israf, tabdzir, and halal hedonism.
LITERASI KEUANGAN DAN KEPATUHAN PENCATATAN MANUAL: IMPLIKASINYA TERHADAP KEBERLANJUTAN USAHA MIKRO Titin Sriwahyuni; M. Arif Musthofa; Siti Fatimah
IMTIYAZ: Jurnal Ilmu Keislaman Vol. 10 No. 3 (2026): September
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/nhtrjx81

Abstract

Financial literacy and compliance with transaction record-keeping constitute important foundations for maintaining cash-flow management and the sustainability of micro-enterprises. However, limited financial understanding, the commingling of business and personal funds, and low record-keeping discipline remain persistent challenges in micro-business management. This study aims to analyze financial literacy, compliance with manual record-keeping, and their implications for business sustainability through a case study of Yafatha Shop, a micro-retail enterprise located in Muara Sabak Barat District, Tanjung Jabung Timur Regency. The study employed a qualitative approach with an exploratory case study design. Data were collected through semi-structured in-depth interviews, observation of daily transaction activities, and documentation of available cash books, transaction receipts, and financial records. Data were analyzed interactively through data reduction and coding, thematic data display, and conclusion drawing and verification, while data trustworthiness was strengthened through source and method triangulation. The findings indicate that Yafatha Shop still faces limitations in cash separation, consistency of transaction recording, receivables management, and financial planning. Some financial information continues to rely on the owner’s memory, while business and personal funds have not yet been clearly separated. Record-keeping is also constrained by operational time limitations, established business habits, and perceptions regarding the complexity of digital financial technology. Consistent manual record-keeping was identified as being associated with the owner’s ability to monitor cash flow, maintain working capital, control receivables, and support operational decision-making. This study proposes a micro-enterprise financial management transition model consisting of the following stages: basic financial literacy, cash separation, disciplined manual record-keeping, formation of simple financial information, cash-flow control, digitalization readiness, and business sustainability. The model emphasizes that manual record-keeping should not be viewed as technological backwardness, but rather as a foundational stage in building financial accountability and preparing micro-enterprises for financial digitalization.
Demistifikasi Asimetri Informasi dan Relasi Kuasa: Re-evaluasi Prinsip Al-‘Adl dan Al-Gharar dalam Rantai Pasok Kelapa Sawit: Penelitian Agi Alfiansah; M. Arif Musthofa; Siti Fatimah; Daud; Hasna Dewi; Erwina Kartika Devi; Sarwono
Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial Vol. 4 No. 2 (2026): Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial Volume 4 Nomor 2 June - September
Publisher : PT PUSTAKA CENDEKIA GROUP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70292/pchukumsosial.v4i2.584

Abstract

Praktik transaksi distribusi Tandan Buah Segar (TBS) kelapa sawit pada ranah agrikultur lokal kerap terjebak dalam formalisme akad yang mengabaikan ketimpangan struktural. Penelitian ini bertujuan menyingkap (demystify) bagaimana asimetri informasi dan relasi kuasa memicu eksploitasi tersembunyi, serta merangkai re-evaluasi teoretis atas prinsip al-‘adl (keadilan) dan al-gharar (ketidakpastian) dalam rantai pasok kelapa sawit di Kecamatan Geragai. Menggunakan pendekatan socio-legal kualitatif-kritikal dengan desain studi lapangan, data digali melalui wawancara mendalam terhadap petani swadaya, tengkulak/pengepul, perwakilan Pabrik Kelapa Sawit (PKS), dan pakar muamalah melalui purposive sampling. Hasil penelitian mengonfirmasi bahwa gharar dalam rantai pasok sawit tidak lagi berwujud gharar klasik/fisik, melainkan gharar struktural yang terwujud melalui manipulasi penetapan grading kualitas, arbitrase potongan timbangan, serta penundaan skema pembayaran yang terhegemoni oleh relasi ketergantungan ekonomi. Situasi ini mengerosi substansi keadilan (al-‘adl) karena memindahkan risiko fluktuasi dan ketidakpastian secara sepihak kepada petani sebagai aktor paling rentan. Penelitian ini merekonstruksi batas teoretis gharar dalam muamalah modern dari dimensi fiq
Distribusi Nilai Tambah dan Keadilan Pricing Strategy Nanas Sub-Sektor Perkebunan dalam Perspektif Ekonomi Syariah: Penelitian Aan Rohana; Daud; Siti Fatimah
Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial Vol. 4 No. 2 (2026): Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial Volume 4 Nomor 2 June - September
Publisher : PT PUSTAKA CENDEKIA GROUP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70292/pchukumsosial.v4i2.585

Abstract

Ketimpangan distribusi nilai tambah dalam rantai pasok pertanian sering kali menempatkan petani pada posisi marjinal dengan tingkat pengembalian ekonomi yang tidak proporsional. Penelitian ini bertujuan untuk menganalisis secara mendalam struktur distribusi nilai tambah komoditas nanas, mengevaluasi keadilan strategi penetapan harga (pricing strategy) yang diterapkan oleh pelaku rantai pasok, serta merekonstruksi mekanisme penentuan harga berbasis prinsip-prinsip ekonomi syariah. Menggunakan pendekatan deskriptif-kualitatif dengan metode analisis nilai tambah Hayami serta analisis kualitatif berbasis kerangka fikih muamalah, penelitian ini berlokasi di Desa Jati Mulyo, Kecamatan Dendang. Data primer diperoleh melalui wawancara mendalam (in-depth interviews) bersama petani nanas, pedagang pengumpul (tengkulak), dan pedagang besar, didukung oleh observasi serta studi dokumentasi. Hasil penelitian menunjukkan adanya rasio nilai tambah yang tidak seimbang, di mana marjin keuntungan terbesar terkonsentrasi pada tingkat pedagang pengumpul akibat penguasaan informasi pasar dan akses modal. Meskipun transaksi di tingkat petani secara formal memenuhi asas an-taradin (kerelaan bersama), strategi penetapan harga yang berlaku belum mencerminkan al-thaman al-mithl (harga adil) karena tingginya asimetri informasi dan ketiadaan daya tawar kolektif petani. Penelitian ini menyimpulkan bahwa untuk merealisasikan keadilan distributif syariah, diperlukan restrukturisasi rantai pasok melalui penguatan kelembagaan lokal (cooperative pricing strategy) serta transparansi informasi harga guna menciptakan tata kelola komoditas perkebunan yang adil dan berkelanjutan.
Dekonstruksi Praktik Tawar-Menawar Pasar Tradisional: Perspektif Normatif dan Aksiologis Etika Bisnis Islam: Penelitian Riska Ayu Putri; Daud; Siti Fatimah
Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial Vol. 4 No. 2 (2026): Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial Volume 4 Nomor 2 June - September
Publisher : PT PUSTAKA CENDEKIA GROUP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70292/pchukumsosial.v4i2.587

Abstract

Narasi umum mengenai pasar tradisional sering kali meromantisasi tawar-menawar (bai’ musawamah) sebagai wujud keadilan dan kerelaan bersama (an-tarāḍin). Research gap menunjukkan belum ada kajian kritis yang mendekonstruksi tawar-menawar sebagai arena pertarungan relasi kuasa. Penelitian ini bertujuan untuk mendekonstruksi praktik tawar-menawar di Pasar Tradisional Muara Sabak Barat melalui dualitas perspektif normatif dan aksiologis Etika Bisnis Islam. Menggunakan pendekatan kualitatif sosio-religius kritis berperspektif dekonstruktif, data dikumpulkan melalui observasi partisipatif pasif dan wawancara mendalam terhadap pedagang, pembeli, pengelola pasar, serta tokoh agama. Analisis data menggunakan model interaktif Miles, Huberman, dan Saldana yang diintegrasikan dengan kerangka dekonstruksi etika normatif-aksiologis. Hasil penelitian menunjukkan bahwa kesepakatan harga yang terbentuk cenderung bersifat kerelaan semu (pseudo-consent) akibat anchoring price, asimetri informasi, dan titik lelah bernegosiasi. Secara normatif dan aksiologis, penerapan etika bisnis Islam masih berada pada taraf pragmatis-formal—memenuhi kebebasan bertransaksi (option to exit), namun terdistorsi oleh yamin ghamus mikro (klaim modal palsu), tadlis terselubung (penyembunyian cacat), dan diskriminasi harga berbasis kedekatan sosial (social proximity). Novelty penelitian ini meredefinisi an-tarāḍin dari sekadar ketiadaan paksaan fisik menjadi kerelaan terinformasi (informed consent). Implikasi teoritis dan praktis mendesak perlunya kepemimpinan etis dan transparansi informasi guna mewujudkan harga yang adil (thaman al-'adl).
Co-Authors Aan Rohana Agi Alfiansah Daud Erwina Kartika Devi Haeran Hasna Dewi M. Arif Musthofa Riska Ayu Putri Sarwono Titin Sriwahyuni Widia Sari