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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) BAABU AL-ILMI: Ekonomi dan Perbankan Syariah At-Thariqah Jurnal Ekonomi
Yenti Sumarni
UIN Fatmawati Sukarno Bengkulu
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Pengaruh Pendapatan, Gaya Hidup, Dan Preferensi Risiko Terhadap Perilaku Berhutang Pada Konsumen Muslim : Studi Pada Dealer Honda Nusantara Sakti (NSS) Cabang Pondok Kelapa Bengkulu Tengah Egi Sustiawan; Romi Adetio Setiawan; Yenti Sumarni
At-Thariqah: Jurnal Ekonomi Vol. 5 No. 1 (2025): At-Thariqah Jurnal Ekonomi
Publisher : Prodi Ekonomi Syariah IAIN Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47945/at-thariqah.v5i1.1978

Abstract

Each individual has their own responsibility for managing their finances and debts. Debt is one way to overcome a limited budget for something useful. Debt is not always a bad thing. The good or bad of debt depends on the individual themselves as the debt manager. The purpose of this study was to determine and analyze income, lifestyle, and risk preferences that influence debt behavior. This research method is quantitative, data collection using questionnaires to 121 research respondents. The results of the study showed that income influences debt behavior, lifestyle influences debt behavior, risk preferences influence debt behavior, and income, lifestyle, and risk preferences together influence debt behavior. Keywords: Income, lifestyle, risk preferences, debt behavior
Mosque-Based Economic Empowerment as Living Sharia Economic Law: Principles and Challenges Yenti Sumarni; Desi Isnaini; Eka Sri Wahyuni
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 17 No. 2 (2025)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i2.50027

Abstract

This study analyzes mosque-based economic empowerment as a form of community implementation of Sharia economic law beyond formal Islamic financial institutions. Using a qualitative, exploratory approach through interviews and focus group discussions, this research investigates how mosques serve as sites for sharia-compliant economic practices, including cooperatives, microfinance, and community entrepreneurship. The findings indicate that mosque-based economic activities reflect core principles of Islamic economic law, including justice, mutual consent, the prohibition of usury, and public benefit. However, normative challenges persist due to the lack of inclusive policies and structured governance, as well as limited formal institutional support. Overall, this study highlights mosque-based economic empowerment as a dynamic expression of living Islamic economic law. Keywords: mosque-based economic empowerment; sharia economic law; Islamic entrepreneurship   Abstrak Penelitian ini menganalisis pemberdayaan ekonomi berbasis masjid sebagai bentuk implementasi hukum ekonomi Syariah oleh masyarakat, di luar lembaga keuangan Islam formal. Dengan pendekatan kualitatif dan eksploratif melalui wawancara dan diskusi kelompok terfokus, penelitian ini menggali bagaimana masjid berperan sebagai tempat mempraktikan aktivitas ekonomi yang sesuai syariah, termasuk koperasi, pembiayaan mikro, dan kewirausahaan. Hasil penelitian ini menunjukkan bahwa kegiatan ekonomi berbasis masjid mencerminkan prinsip-prinsip pokok hukum ekonomi Islam, seperti keadilan, kesepakatan bersama, larangan riba, dan manfaat bagi masyarakat. Namun, tantangan normatif tetap ada karena kurangnya kebijakan inklusif, tata kelola yang terstruktur, serta dukungan lembaga formal. Secara umum, penelitian ini menegaskan bahwa kewirausahaan berbasis masjid merupakan ekspresi dinamis dari hukum ekonomi Islam yang hidup di masyarakat. Kata Kunci: pemberdayaan ekonomi berbasis masjid; hukum ekonomi syariah; kewirausahaan Islam
The Role of Product Virality in Mediating the Influence of Halal Labels and Prices on Consumer Trust in Somethinc Skincare Products on TikTok Shop Yeza Puspita; Eka Sri Wahyuni; Yenti Sumarni
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i1.10623

Abstract

This study aims to analyze the influence of halal labels and prices on consumer confidence and test the role of product virality as a mediating variable. The research was conducted in July-November 2025 in Bengkulu City with a quantitative approach. The research population is TikTok users who live in Bengkulu City and have bought Somethinc products through TikTok Shop. The sampling technique used Probability Sampling with the Proportionate Stratified Random Sampling method, with a sample number of 100 respondents determined through the Slovin formula at an error rate of 10%. Data was collected using a Likert-scale questionnaire and analyzed using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method through the SmartPLS 4 application. The results of the study show that halal labels, prices, and product virality have a positive and significant effect on consumer trust. Price has a significant effect on the virality of the product, while halal labels have no significant effect. Product virality mediates the influence of price on consumer confidence, but does not mediate the influence of halal labels. This research emphasizes the importance of integrating halal aspects, pricing strategies, and viral marketing in building consumer trust in TikTok Shop.
Co-Authors Desi Isnaini Egi Sustiawan Eka Sri Wahyuni Romi Adetio Setiawan Yeza Puspita