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The Role of Sharia Crowdfunding in Poverty Reduction in Indonesia Erizal Candra Efendi; Rozalinda; Nora Zulvianti
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (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.v6i4.5797

Abstract

Poverty in Indonesia is still a significant problem with many people living below the poverty line. This study aims to analyze the role of sharia crowdfunding in reducing poverty by providing access to capital for micro and small businesses that are not accessible to conventional financial institutions. The research method used is a literature study, where secondary data is collected from various journals, articles, and publications related to sharia crowdfunding and poverty in Indonesia. The results of the study show that sharia crowdfunding platforms, such as Kitabisa.com, have succeeded in raising significant funds that contribute to poverty reduction by expanding access to funding and creating social solidarity in the community. However, challenges such as dependence on aid and verification of beneficiaries still need to be overcome so that the impact is more optimal. In conclusion, sharia crowdfunding has proven effective in helping to reduce poverty and strengthen the sharia economy in Indonesia, although improvements are needed in several aspects of its implementation.
The Role of Sharia Crowdfunding in Poverty Reduction in Indonesia Erizal Candra Efendi; Rozalinda; Nora Zulvianti
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (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.v6i4.5797

Abstract

Poverty in Indonesia is still a significant problem with many people living below the poverty line. This study aims to analyze the role of sharia crowdfunding in reducing poverty by providing access to capital for micro and small businesses that are not accessible to conventional financial institutions. The research method used is a literature study, where secondary data is collected from various journals, articles, and publications related to sharia crowdfunding and poverty in Indonesia. The results of the study show that sharia crowdfunding platforms, such as Kitabisa.com, have succeeded in raising significant funds that contribute to poverty reduction by expanding access to funding and creating social solidarity in the community. However, challenges such as dependence on aid and verification of beneficiaries still need to be overcome so that the impact is more optimal. In conclusion, sharia crowdfunding has proven effective in helping to reduce poverty and strengthen the sharia economy in Indonesia, although improvements are needed in several aspects of its implementation.
Dampak E-Commerce dan Media Sosial terhadap Perilaku Konsumen di Era Digital Putra, Robi Harjoni; Rozalinda; Nora Zulvianti
Jurnal Riset Ekonomi Syariah Volume 5, No. 2, Desember 2025 Jurnal Riset Ekonomi Syariah (JRES)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jres.v5i2.7301

Abstract

Abstract. The rapid growth of e-commerce and social media has significantly transformed consumer behavior patterns in the digital era. This study aims to analyze the extent to which these two factors influence consumerism by focusing on three main aspects: impulsive behavior, israf (extravagance), and tawazun (balance). Employing a quantitative approach, data was collected through a survey involving 100 active internet users. The findings reveal that social media exerts a stronger influence than e-commerce in shaping consumer behavior. The validity and reliability tests of the research instrument indicate Cronbach’s Alpha value of 0.874, signifying a high level of internal consistency. However, the two independent variables account for only 14.9% of the variation in consumer behavior, suggesting that other factors may also play a role and warrant further investigation in future studies. This research highlights the importance of understanding the interconnection between digital technology, ethical consumption, and social responsibility. Practically, the results provide valuable insights for business practitioners and policymakers in formulating ethical and sustainable marketing strategies. Nevertheless, the study is limited by the number of variables examined and its cross-sectional design, which could be expanded through longitudinal research in future explorations. Abstrak. Pesatnya perkembangan e-commerce dan media sosial telah mengubah pola perilaku konsumen dalam konteks era digital. Penelitian ini bertujuan untuk menganalisis sejauh mana kedua faktor tersebut memengaruhi perilaku konsumtif masyarakat dengan menyoroti tiga aspek utama, yaitu perilaku impulsif, israf (pemborosan), dan tawazun (keseimbangan). Penelitian ini menggunakan pendekatan kuantitatif dengan pengumpulan data melalui survei yang melibatkan 100 responden pengguna internet aktif. Hasil penelitian menunjukkan bahwa media sosial memiliki pengaruh yang lebih dominan dibandingkan e-commerce dalam membentuk perilaku konsumtif masyarakat. Hasil uji validitas dan reliabilitas instrumen menunjukkan nilai Cronbach’s Alpha sebesar 0,874, yang mengindikasikan tingkat konsistensi internal yang baik. Walaupun begitu, kedua variabel independen hanya menjelaskan 14,9% variasi perilaku konsumen, sehingga masih terdapat faktor lain yang berpengaruh dan perlu dikaji lebih lanjut dalam penelitian berikutnya. Penelitian ini menegaskan pentingnya memahami hubungan antara teknologi digital, etika konsumsi, serta tanggung jawab sosial. Secara praktis, temuan ini dapat menjadi acuan bagi pelaku bisnis dan pembuat kebijakan dalam merancang strategi pemasaran yang etis dan berkelanjutan. Adapun keterbatasan penelitian mencakup jumlah variabel yang terbatas dan desain cross-sectional yang perlu dikembangkan melalui penelitian longitudinal di masa depan.