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All Journal PENG: Jurnal Ekonomi dan Manajemen Al Itmamiy: Jurnal Hukum Ekonomi Syariah
Suci Hayati
Universitas Islam Negeri Jurai Siwo Lampung
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Strategi Masyarakat Menghindari Riba Dalam Transaksi Pinjaman Di Era Digital Di Desa Nunggalrejo Kecamatan Punggur Kabupaten Lampung Tengah Apriantiarto; Suci Hayati
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 8 No. 1 (2026): Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/x3zb5r43

Abstract

Perkembangan teknologi digital telah membawa perubahan terhadap perilaku keuangan masyarakat, khususnya dalam penggunaan layanan pinjaman online yang umumnya mengandung unsur bunga (riba). Pada masyarakat Desa Nunggalrejo, Kecamatan Punggur, Kabupaten Lampung Tengah, layanan tersebut banyak dimanfaatkan karena kemudahan akses dan kecepatan proses pencairan dana, meskipun berpotensi bertentangan dengan prinsip ekonomi Islam. Penelitian ini bertujuan untuk menganalisis strategi masyarakat dalam menghindari riba pada transaksi pinjaman di era digital. Penelitian menggunakan metode kualitatif dengan pendekatan field research melalui teknik wawancara mendalam dan dokumentasi. Analisis data dilakukan menggunakan model Miles dan Huberman yang meliputi reduksi data, penyajian data, serta penarikan kesimpulan. Hasil penelitian menunjukkan bahwa terdapat lima strategi utama yang diterapkan masyarakat untuk menghindari riba, yaitu: (1) meminjam kepada kerabat atau orang terdekat, (2) mengelola keuangan secara lebih bijak, (3) menghindari penggunaan aplikasi pinjaman online, (4) meningkatkan pemahaman agama tentang riba, dan (5) mengurangi ketergantungan pada utang. Temuan penelitian menegaskan bahwa pengalaman negatif akibat pinjaman online berbunga menjadi faktor penting yang mendorong perubahan perilaku ekonomi masyarakat menuju praktik keuangan yang lebih sesuai dengan prinsip syariah. Kelima strategi tersebut menunjukkan bahwa upaya menghindari riba tidak hanya didasarkan pada pertimbangan ekonomi, tetapi juga dipengaruhi oleh nilai sosial dan religius yang berkembang dalam kehidupan masyarakat.
Analisis Perbandingan Konsep Nilai Tukar dalam Ekonomi Konvensional dan Islam serta Implikasinya terhadap Stabilitas Ekonomi Dewi Jannati Asih Putri; M. Rafiudin Safikri; Puja Audinia Artika; Suci Hayati
PENG: Jurnal Ekonomi dan Manajemen Vol. 2 No. 3 (2025): Juli-September, Education, Economic dan Social Studies
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/6nq1r472

Abstract

Currency exchange rates are important for many economic activities, including capital flows, international trade, and investment. These activities have an impact on the competitiveness of domestic goods, the welfare of individuals, and the stability of the economy as a whole. The economic system in use determines how exchange rates are handled.  The notion of exchange rates in conventional and Islamic economics, as well as its effects on economic stability, are examined in this study using a qualitative approach and a literature study methodology. Descriptive analysis is performed on secondary data gathered from different literature sources and fatwas. The results demonstrate that, in order to lower the risk of exchange rate volatility, the Islamic economy places a strong emphasis on the values of justice, the prohibition of usury, and transparent cash transactions. In contrast, the conventional economic system depends on market mechanisms and interest rate-based monetary policies that are susceptible to fluctuations and speculation.  More socially just and durable stability may be possible with this Islamic economic strategy.  Consequently, using Islamic economic concepts to manage exchange rates can be a useful substitute for preserving the stability of the national economy.
Keseimbangan Pasar Barang dalam Perspektif Ekonomi Islam dan Konvensional: Analisis Kurva IS Azzahra Meytriana; Maulida Hasyima; Suci Hayati
PENG: Jurnal Ekonomi dan Manajemen Vol. 2 No. 3 (2025): Juli-September, Education, Economic dan Social Studies
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/7gx0sp19

Abstract

The goods market is a key component in macroeconomic analysis, as it determines the equilibrium between output and national income, in conventional economics, the equilibrium of the goods market is analyzed using the IS Investment-Saving curve, which shows a negative relationship between interest rates and national income. However, this approach is not aligned witah Islamic economic principles, as it relies on interest (riba), which is prohibited under Sharia law. Instead, Islamic economics employs a profit-sharing mechanism through instruments such as mudharabah to determine investment returns. This approach also emphasizes the importance of moral values, ethics, and social justice as integral parts of a more civilized economic system. Within the Islamic framework, the IS curve still reflects the relationship between investment and savings, but without involving elements of riba. It is instead grounded in principles of justice, transparency, and public welfare.
Evaluasi Penggunaan Dana Desa dalam Pembangunan Infrastruktur Perdesaan: Studi Kasus di Provinsi Lampung Mustika Wulandari; Pradita Mawardani; Zaqi Rohman; Suci Hayati
PENG: Jurnal Ekonomi dan Manajemen Vol. 2 No. 3 (2025): Juli-September, Education, Economic dan Social Studies
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/5z92ja11

Abstract

This study aims to evaluate the use of village funds in rural infrastructure development in Lampung Province. Using a descriptive qualitative approach through literature review, the research analyzes various official documents, government reports, and relevant previous studies. The findings indicate that the increase in village fund allocation from 2016 to 2018 had a positive impact on infrastructure development, such as village roads, irrigation channels, and other public facilities. However, the effectiveness of fund utilization is still influenced by several internal village factors, including human resource capacity, the functionality of village institutions, and community involvement. The main challenges in managing village funds include the lack of technical training for village officials, weak oversight systems, and limited public participation in the development process. Therefore, it is necessary to enhance the capacity of village officials, strengthen accountability systems, and optimize community participation to ensure that rural infrastructure development can be carried out more effectively, efficiently, and sustainably.
Co-Authors Apriantiarto Azzahra Meytriana Dewi Jannati Asih Putri M. Rafiudin Safikri Maulida Hasyima Mustika Wulandari Pradita Mawardani Puja Audinia Artika Zaqi Rohman