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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Trending: Jurnal Manajemen dan Ekonomi Santri : Jurnal Ekonomi dan Keuangan Islam
Padlim Hanif
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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SYMBIOSIS AMONG GOOD BMT GOVERNANCE, ENTITY DURABILITY AND CAPITAL SOCIAL Padlim Hanif; Fachruzzaman; Madani Hatta; Rara Mianti
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 2 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i2.2657

Abstract

This research was conducted to determine the management of the sharia entity Baitul Mal Wa Tam Wil Kelompok Usaha Bersama (KUBE) Sejahtera 008. Sharia entity has a good existence as proven by an ownership of assets such as building and land. According to its location, the sharia entity is located in Srikuncoro Village, Central Bengkulu Regency. This location has a strategic position close to the city center so that it is possible for residents of Srikuncoro village, Central Bengkulu Regency to obtain even greater financing services than Baitul Mal Wa Tam Wil Kelompok Usaha Bersama (KUBE) Sejahtera 008. In fact, this sharia entity remains the choice of the people of Srikuncoro Village, even this sharia entity has durability which indirectly becomes its identity. The results showed that the management of Baitul Mal Wa Tam Wil Kelompok Usaha Bersama (KUBE) Sejahtera 008 conforms with the principles of Good Governance such as Transparency, Accountability, Responsibility, Independency, and Fairness. The application of these principles is also greatly helped by the existence of Capital Social such as kinship, deliberation and consensus, tolerance and mutual respect that develop in the Srikuncoro Village community. In addition, the Capital Social makes up durability of Baitul Mal Wa Tam Wil Kelompok Usaha Bersama (KUBE) Sejahtera 008 and also contributes to form interrelation between Good Governance and Entity Durability.
Perspektif Ekonomi Islam terhadap Kelangkaan Gas LPG 3 Kg: Studi pada Eksistensi UMKM di Kecamatan Selebar Kota Bengkulu Septina Anjelina; Idwal Idwal; Padlim Hanif
Trending: Jurnal Manajemen dan Ekonomi Vol. 4 No. 3 (2026): Juli: Trending: Jurnal Manajemen dan Ekonomi
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/trending.v4i3.7454

Abstract

This study aims to analyze the phenomenon of 3 kg LPG gas shortages that occur among Micro, Small, and Medium Enterprises (MSMEs) in Selebar District, Bengkulu City and examine the causal factors based on an Islamic economic perspective. The study uses a qualitative method with a case study approach conducted in Selebar District, Bengkulu City. Data were obtained through in-depth interviews, observations, and documentation of MSMEs, LPG depots, and related parties, then analyzed using Miles and Huberman data analysis techniques that include data reduction, data presentation, and conclusions. The results of the study indicate that the scarcity of 3 kg LPG has a significant impact on the sustainability of MSME businesses, especially in the form of increased production costs, disruption of production processes, and decreased business profits due to the difficulty of obtaining subsidized LPG according to needs. Based on the results of interviews with MSMEs, the scarcity of LPG is characterized by limited stock at official depots, long queues, and high dependence of business actors on 3 kg LPG as the main energy source. Factors contributing to the shortage include suboptimal distribution, inaccurate targeting of subsidy recipients, increased public demand, and indications of hoarding and selling above the Highest Retail Price (HET). From an Islamic economic perspective, this phenomenon demonstrates the suboptimal application of justice ('adl) and the principle of benefit (maslahah) in the distribution of subsidized goods, resulting in unequal access for eligible groups to 3 kg LPG.
Pengaruh Penggunaan Fitur Shopee PayLater terhadap Perilaku Konsumtif Mahasiswa FEBI UINFAS Bengkulu dengan Perspektif Ekonomi Syariah sebagai Variabel Mediasi Eko Bintang Prayoga; Yosy Arisandy; Padlim Hanif
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 5 (2026): Oktober: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i5.2767

Abstract

The spread of buy-now-pay-later schemes in Indonesian e-commerce lets young consumers buy goods before they have the cash. Shopee PayLater is among the most widely used of these schemes, and students are a major user group. This study examines whether the use of Shopee PayLater influences consumptive behavior among students of the Faculty of Islamic Economics and Business (FEBI), UIN Fatmawati Sukarno Bengkulu, and whether an Islamic economic perspective, reflected in honesty, justice, trustworthiness, and responsibility, mediates that relationship. A quantitative survey was conducted in 2026. Questionnaires were completed by 94 active students who had used Shopee PayLater at least once, selected through simple random sampling, and the data were analyzed using partial least squares structural equation modeling in SmartPLS 4. The measurement model satisfied the criteria for convergent validity and reliability. The results show that PayLater use has a positive and significant effect on consumptive behavior (β = 0.370; p = 0.029) and on the Islamic economic perspective (β = 0.599; p < 0.001). However, the Islamic economic perspective does not significantly affect consumptive behavior (β = 0.168; p = 0.317), and the indirect effect is not significant (β = 0.101; p = 0.328), so mediation is not supported. PayLater therefore appears to shape consumptive behavior directly rather than through students' Islamic economic orientation. These findings suggest that familiarity with Islamic consumption principles does not automatically translate into restrained spending. Universities and users are encouraged to pair sharia-based education with practical self-control and budgeting skills.
Rivalitas Ritel Modern dan Ritel Tradisional Dikecamatan Kaur Selatan Ditinjau dari Perspektif Ekonomi Islam Fetri Wulandari; Nurul Hak; Padlim Hanif
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 2 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i2.26477

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana eksistensi ritel tradisional dan ritel modern di Kecamatan Kaur Selatan serta menganalisis pandangan ekonomi Islam terhadap persaingan yang terjadi di antara keduanya. Penelitian ini menggunakan metode kualitatif deskriptif dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi terhadap pelaku usaha dan pihak terkait di wilayah tersebut.Hasil penelitian menunjukkan bahwa ritel modern seperti Indomaret dan Alfamart berkembang di beberapa titik strategis, dengan total enam gerai yang aktif beroperasi. Keberadaan mereka tetap bertahan karena menawarkan kenyamanan, ketersediaan produk yang lengkap, harga pasti, serta promosi yang menarik bagi konsumen. Di sisi lain, ritel tradisional juga masih bertahan dengan jumlah 28 toko kelontong aktif. Hal ini disebabkan oleh kedekatan sosial antara penjual dan pembeli, sistem pembayaran yang lebih fleksibel, serta letaknya yang tersebar di permukiman sehingga mudah dijangkau.Dalam perspektif ekonomi Islam, bentuk persaingan ini masih diperbolehkan dan masih berada dalam batas yang wajar karena dilakukan secara sehat, tidak mengandung unsur penipuan, tidak bersifat monopoli, dan tidak ada upaya saling menjatuhkan antar pelaku usaha. Selama kompetisi mendorong peningkatan kualitas layanan dan produk tanpa merugikan pihak lain secara tidak adil, maka persaingan tersebut dianggap sah dan sesuai dengan prinsip syariah.
Co-Authors Eko Bintang Prayoga Fachruzzaman Fetri Wulandari Idwal Idwal Madani Hatta Nurul Hak Rara Mianti Septina Anjelina Yosy Arisandy