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All Journal At-Tawazun, Jurnal Ekonomi Syariah
Nuraulia, Maya
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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PERUBAHAN TINGKAT PENAWARAN BARANG SEMBAKO PADA TAHUN 2023 DI TOKO IJO SANGATTA Aprilia, Diva; Anjani, Maulidiah; Nuraulia, Maya; Afriani, Syafira; Zulkadrin, Zulkadrin
At-Tawazun, Jurnal Ekonomi Syariah Vol. 12 No. 02 (2024): December
Publisher : Ekonomi Syariah STAI Sangatta Kutai Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55799/tawazun.v12i02.536

Abstract

This study aims to analyze the factors that cause fluctuations in the supply of basic necessities at Toko Ijo, Sangatta, East Kalimantan, throughout 2023. The research method used is qualitative with a descriptive approach, which aims to comprehensively examine changes in the level of supply of basic necessities. Research data was obtained through interviews, observations, and documentation to explore information about goods ordering policies, sales strategies, and challenges faced in stock management. The results of the study show that fluctuations in the supply of basic necessities at Toko Ijo are influenced by internal and external factors. External factors include the harvest season, seasonal demand during Ramadan and Eid al-Fitr, as well as the availability of supply from distributors. Meanwhile, internal factors include stock management and store operating costs. Data analysis shows that there is a fluctuating trend in the supply of goods, especially rice, throughout the year. The decline in supply occurred in the first quarter due to the famine season, while the increase occurred in the second quarter in line with the harvest season and a surge in demand ahead of Ramadan. The third quarter showed a decline again, while the fourth quarter tended to be stable and increased ahead of the year-end holidays.
FINTECH SYARIAH DALAM MANAJEMEN KEUANGAN MIKRO: TINJAUAN KONSEPTUAL TERHADAP INKLUSI KEUANGAN DIGITAL Dina Lutfiatunnisa, Farah; Septiani Putri, Adelia; Addini Magfiroh, Sabrina; Avrilia, Diva; Nuraulia, Maya; Rahman, Rahman
At-Tawazun, Jurnal Ekonomi Syariah Vol. 13 No. 02 (2025): December
Publisher : Ekonomi Syariah STAI Sangatta Kutai Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55799/tawazun.v13i02.805

Abstract

Advances in digital technology have transformed financial management practices, including those within Islamic finance. This study examines the role of sharia-compliant financial technology (fintech) in strengthening microfinance management and enhancing digital financial inclusion in Indonesia. Using a qualitative approach supported by a conceptual review, the study highlights the connection between Islamic ethical values and technological innovations implemented in Islamic microfinance institutions (MFIs). Sharia fintech not only facilitates financial transactions but also serves as an instrument for promoting an ethical, transparent, and equitable financial system aligned with sharia principles. The findings indicate that integrating sharia fintech with MFIs can broaden access to financial services, particularly for underserved communities and micro-entrepreneurs who often encounter barriers to formal financing. Despite these benefits, several challenges remain, such as regulatory gaps, limited digital literacy, and concerns over data security. Therefore, strong collaboration between the government, financial institutions, and technology sector stakeholders is essential to ensure that sharia fintech grows sustainably and delivers meaningful social and economic benefits to society.
Co-Authors Addini Magfiroh, Sabrina Afriani, Syafira Anjani, Maulidiah Aprilia, Diva Avrilia, Diva Dina Lutfiatunnisa, Farah Rahman Rahman Septiani Putri, Adelia Zulkadrin, Zulkadrin