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PERSPEKTIF EKONOMI ISLAM TERHADAP FAKTOR PENDUKUNG EKSISTENSI PASAR TRADISIONAL PANORAMA KOTA BENGKULU Ajis, Pajri Abdul; Idwal; Padlim Hanif
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 8 No. 1 (2025): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

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The objective of this research is to understand the supporting factors for the existence of Panorama Market and the Islamic Economic perspective on these factors concerning the existence of Panorama Market in Bengkulu City. This type of research is field research using a qualitative descriptive method. The data collection techniques employed are observation, interviews, and documentation. The results of the research can be summarized as follows: (1) Panorama Traditional Market has several supporting factors for its current existence. These factors include having lower prices, offering a variety of products, and having a strategic location. With these factors, Panorama Traditional Market has successfully maintained its presence among the community. (2) Panorama Market has implemented Islamic economic principles, as there is no dishonesty, particularly in transactions. All three factors supporting the existence of Panorama Market adhere to Islamic economic principles.

GAYA HIDUP MASYARAKAT DAN MINAT BELI PAKAIAN BEKAS (THRIFT) DALAM PERSPEKTIF EKONOMI ISLAM Nabilla Dara Kartika; Romi Adetio Setiawan; Padlim Hanif
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 16 No. 2 (2024): Desember
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v16i2.8405

This research investigates the evolving lifestyle trends that have influenced consumer preferences for secondhand clothing, commonly known as “thrift.” The study aims to comprehend how lifestyle choices and costumer interests contribute to the practice of thrifting within the community, while also exploring the Islamic economic perspective on these lifestyle choices and consumer interests related to secondhand clothing utilization (thrift). Employing a qualitative research approach, the study focuses on observasing and analyzing thrifting activities at the Panorama Market in Bengkulu city as its research context. The findings reveal that lifestyle plays a pivotal role in shaping consumer interest in secondhand clothing, with community lifestyle choices exerting a positive influences on this interest. Primary factors driving this interest include affordability considerations, the reliability of product quality, alignment with fashion trends, social influence from the thrifting, community, and positive purchasing experiences. Furthermore, the Islamic economic perspetive offers valuable insights and guidance in understanding this phenomenon.

Pedagang Muslim dalam Pemanfaatan QRIS dan Inklusi Keuangan Syariah di Pasar Minggu Kota Bengkulu Rindiani Fenissa Aulia1; Khairiah Elwardah2; Padlim Hanif
An-Nisbah: Jurnal Perbankan Syariah Vol. 6 No. 1 (2025): An-Nisbah: Jurnal Perbankan Syariah
Publisher : PRODI PERBANKAN SYARIAH INSTITUT AGAMA ISLAM (IAI) SUNAN KALIJOGO MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v6i1.3532

Tujuan penelitian ini adalah untuk memanfaatkan pengetahuan QRIS (Quick Response Code Indonesian Standard) dan inklusi keuangan syariah pada produk dan layanan perbankan syariah dari sudut pandang pedagang Muslim di Pasar Minggu Kota Bengkulu. Penelitian ini merupakan penelitian lapangan (penelitian lapangan) dengan menggunakan metode deskriptif kualitatif, data dikumpulkan melalui observasi, wawancara, dan dokumentasi, kemudian dianalisis menggunakan teknik reduksi data, penyajian data, dan kesimpulan. Temuan penelitian ini menunjukkan bahwa para pedagang Muslim di Pasar Minggu Kota Bengkulu merasakan berbagai manfaat dari QRIS, seperti kemudahan transaksi untuk pelanggan yang tidak membawa uang tunai, transaksi yang aman, mengurangi risiko uang palsu, memudahkan penyimpanan dana melalui rekening, dan bermanfaat untuk usaha kedepannya . Namun para pedagang Muslim belum merasakan perubahan signifikan dalam volume penjualan setelah menggunakan QRIS dan menganggap QRIS hanya sebagai alat pelengkap transaksi, karena pembayaran tunai masih menjadi metode transaksi utama, terutama untuk transaksi dengan nominal kecil, sehingga pengoperasiannya masih terbatas. Inklusi keuangan syariah pada produk dan layanan perbankan syariah dari sudut pandang para pedagang Muslim di Pasar Minggu Kota Bengkulu mengungkapkan bahwa akses ke produk dan layanan perbankan syariah relatif mudah, namun masih belum merasakan manfaatnya dan belum memahami konsepnya secara utuh, kurang pemahaman dan literasi keuangan syariah menyebabkan mereka menganggap bank syariah tidak berbeda signifikan dengan bank konvensional, sehingga masih lebih nyaman menggunakan produk dan layanan perbankan konvensional.

GAYA HIDUP MASYARAKAT DAN MINAT BELI PAKAIAN BEKAS (THRIFT) DALAM PERSPEKTIF EKONOMI ISLAM Nabilla Dara Kartika; Romi Adetio Setiawan; Padlim Hanif
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 16 No. 2 (2024): Desember
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v16i2.8405

This research investigates the evolving lifestyle trends that have influenced consumer preferences for secondhand clothing, commonly known as “thrift.” The study aims to comprehend how lifestyle choices and costumer interests contribute to the practice of thrifting within the community, while also exploring the Islamic economic perspective on these lifestyle choices and consumer interests related to secondhand clothing utilization (thrift). Employing a qualitative research approach, the study focuses on observasing and analyzing thrifting activities at the Panorama Market in Bengkulu city as its research context. The findings reveal that lifestyle plays a pivotal role in shaping consumer interest in secondhand clothing, with community lifestyle choices exerting a positive influences on this interest. Primary factors driving this interest include affordability considerations, the reliability of product quality, alignment with fashion trends, social influence from the thrifting, community, and positive purchasing experiences. Furthermore, the Islamic economic perspetive offers valuable insights and guidance in understanding this phenomenon.

Analisis Penerapan Prinsip-Prinsip Ekonomi Syariah pada Pedagang di Taman Merdeka Kota Manna Kabupaten Bengkulu Selatan Emelia Kontesa; Nurul Hak; Padlim Hanif
Economic Reviews Journal Vol. 4 No. 3 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i3.822

This research aims to understand the application of Islamic economic principles in trading activities at Taman Merdeka, Kota Manna, and to identify the factors influencing the implementation of these principles in the trading activities at Taman Merdeka, Kota Manna. The method employed in this study is a qualitative approach, with data collection conducted through observation, interviews, and documentation. Data analysis is performed using the Miles and Huberman model.This study analyzes the application of Islamic economic principles among traders at Taman Merdeka, Kota Manna. The findings indicate that traders generally have implemented Islamic economic principles, such as honesty, justice, and avoidance of usury, although their theoretical understanding of these concepts remains limited. The application of these principles is supported by religious awareness, business ethics, a culture of solidarity, as well as supervision and communication among business actors. However, traders also face challenges, such as economic pressure and a lack of understanding of Islamic economic terminology. Nevertheless, they remain committed to maintaining honesty and viewing trading activities as a form of worship in order to achieve blessings in their endeavors.

Analisis Tren Pembiayaan Dan Simpanan Bank Maslahat Dana Syariah Nusantara Kota Bengkulu Periode 2020-2024. maycica, donnamaycica; Supardi Mursalin; Padlim Hanif
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.18114

Abstract: The development of financing and deposits in Islamic banking is an important indicator in assessing the intermediation function and the level of public trust in Islamic financial institutions. However, research on financing and deposit trends at Islamic Rural Banks (BPRS) in the regions is still relatively limited, particularly at Bank Maslahat Dana Syariah Nusantara in Bengkulu City. This study aims to analyze the financing and deposit trends at Bank Maslahat Dana Syariah Nusantara in Bengkulu City for the period 2020-2024 and the factors influencing them. The study used a descriptive method with a qualitative approach. Data were obtained through interviews, observations, and documentation with informants consisting of internal bank officials and customers. Data analysis was conducted by describing the development of financing and deposits each year, then interpreting the direction of the trends and the factors influencing these changes. The results show that financing experienced an increasing trend from 9,877 million rupiah in 2020 to 20,294 million rupiah in 2024, with financing dominating the MSME productive sector. Deposits also increased from 10,432 million rupiah to 18,837 million rupiah during the same period. This increase indicates that the bank's intermediation function is functioning quite well and that public trust in Islamic banks is growing. Factors influencing this trend include service quality, product suitability, implementation of Islamic principles, contract transparency, community economic conditions, and customer trust. This research is expected to serve as a reference for developing Islamic banking intermediation strategies in the regions.kata kunci: islamic banks, intermediation function, financing trends, deposit trends

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