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All Journal Islamic Review : Jurnal Riset dan Kajian Keislaman Jurnal Transformasi Administrasi
Fajriah, Agustina Nurul
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Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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ACEH GOVERNMENT POLICY ANALYSIS ON POTENTIAL OF THE NATURAL RESOURCES EXPORT MARKET azhar, Iqlima; Fajriah, Agustina Nurul
Jurnal Transformasi Administrasi Vol 14 No 01 (2024): Jurnal Transformasi Administrasi Volume 14 Nomor 01 Tahun 2024
Publisher : Puslatbang KHAN

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Abstract

With the establishment of regional autonomy, each area must be able to identify and recognize the potential and superior or basic sectors that it owns at both the provincial and village levels. Aceh, as one of the most strategically positioned provinces in Indonesia, has long served as a conduit for trade and cultural flow connecting Timor and the West. Because to geopolitical situations, Aceh Province now has the possibility to boost its economic potential through encouraging company development. Focus of this research is to assess the export potential of natural resource goods in Aceh Province, determine the degree of production of these natural resources, and analyze natural resources with export potential. The Location Quotient (LQ) is used as an analytical tool to identify natural resources with the potential to be exported. The East Aceh District has a continual superior LQ value (LQ> 1) from 2018 to 2022, according to the results of the Location Qoutient (LQ) research. Langsa City and North Aceh Regency are classified as non-base sectors (LQ<1).
Buy Now Pay Later from an Islamic Perspective: Implications for Financial Management and Sustainability among Millennials Harahap, Ainul Yusna; Putri, Desyana; Fajriah, Agustina Nurul; Ardiyanti, Dyah Ayu; Saputra, Ryanda
Islamic Review: Jurnal Riset dan Kajian Keislaman Vol 14 No 2 (2025): Oktober 2025
Publisher : Mafapress - Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) IPMAFA Pati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/islamicreview.v14i2.1831

Abstract

Buy Now Pay Later (BNPL) services have become increasingly popular among millennials in Langsa City. However, the widespread use of BNPL raises potential conflicts with Islamic financial principles such as riba, gharar and maysir. This study aims to analyze BNPL’s compliance with Islamic financial principles and its implications for the financial management and financial sustainability of millennials in Langsa City. The research employs a mixed methods approach by combining a questionnaire survey and interviews. A total of 150 millennial respondents were selected through cluster sampling and the data were analyzed using SmartPLS. The results indicate that BNPL has a positive and significant effect on millennials’ financial management and financial sustainability. However, BNPL still contains elements of riba and gharar. The analysis shows that Islamic financial principles mediate the influence of BNPL on financial management, but not on financial sustainability. Overall, BNPL has potential as a beneficial modern financial instrument if aligned with Sharia principles. Enhancing Islamic financial literacy is crucial to minimize Sharia-related and financial risks.
Co-Authors Azhar, Iqlima Dyah Ayu Ardiyanti Harahap, Ainul Yusna Putri, Desyana Ryanda Saputra, Ryanda