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All Journal Transformatif JES (Jurnal Ekonomi Syariah Al Dzahab Jurnal Pengabdian Masyarakat Bestari (JPMB) Journal of Innovative and Creativity
Khisan, Zariatul
Unknown Affiliation
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Transformasi Perilaku Konsumtif di Era E-Commerce: Antara Kenyamanan Digital dan Tantangan Konsumsi Berlebihan Menurut Ekonomi Islam Khisan, Zariatul; Aqlani, Muhammad Indra Zul
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 1 (2025): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i1.1123

Abstract

The rapid growth of e-commerce in Indonesia offers convenience and broad access to digital shopping but also triggers excessive consumerism, which conflicts with Islamic economic principles. This study focuses on the transformation of consumer behavior in the e-commerce era from an Islamic perspective, emphasizing the need to shift from excessive consumption (israf) toward productive economic activities aligned with Sharia values. Using a qualitative approach, the research analyzes literature and case studies related to consumer behavior, digital financial innovations, and Sharia economic integration. Findings reveal that addressing overconsumption requires early Islamic financial education, strict Sharia-compliant regulations, and promotion of simple, production-based consumption patterns. Strengthening the role of Sharia micro, small, and medium enterprises (MSMEs), government incentives, and financial institutions’ support are crucial to fostering a balanced and sustainable economy. Additionally, controlling aggressive digital marketing and fostering collaboration between society and government are essential to build a healthy Sharia economic ecosystem. This holistic approach aims to create economic balance, social welfare, and blessings in accordance with Islamic teachings, helping consumers avoid debt and waste while encouraging productive contributions to society.
The Progressivity of the Qris Payment System in the Community: Perkembangan Sistem Pembayaran Qris di Masyarakat Munawwarah, Siti; Khisan, Zariatul; Erawati, Desi; Nor Halisa
Transformatif Vol 9 No 1 (2025): ISSUED IN APRIL 2025
Publisher : POSTGRADUATE OF PALANGKA RAYA STATE ISLAMIC INSTITUTION

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/tf.v9i1.9332

Abstract

The COVID-19 pandemic is a social change where people are forced to adapt, one of which is in the payment system. Bank Indonesia has established one of the digital payment systems, namely QRIS (Quick Response Code Indonesia Standard), to facilitate transaction payments easily, quickly, and securely. This study aims to measure the extent of the use of QRIS payments in the community. This research method uses qualitative research with data collection through a literature review associated with Talcott Parsons' theory. The results of this study show that the role of using the QRIS payment system among the public has shortcomings in terms of network connection and age factors. Among MSMEs, the QRIS payment system continues to increase due to the ease of transacting using one QR code. Meanwhile, in the current generation (generation Y, Z, and Alpha), the QRIS payment system is not only to support needs but has become a daily lifestyle. The QRIS payment system aligns with Talcott Parsons' theory of AGIL (adaptation, goal attainment, integration, and latency).
KONSEP DAN PERKEMBANGAN EKONOMI ISLAM PADA MASA TURKI USMANI Khisan, Zariatul; Novita, Della; Maymunah, Noor; NKoso, Nur Auliani; Hidayati, Tri; Maftukhatusolikhah, Maftukhatusolikhah
Al Dzahab Vol. 5 No. 2 (2024): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v5i2.4076

Abstract

Purpose: The purpose of this study is to analyze the development of the Islamic economy during the Ottoman Empire. Design/methodology/approach: The research method used in this research is library research. The data used is secondary data obtained from relevant sources, books, journals and so on. Findings: Ottoman Türkiye paid more attention to progress in the political and military fields. In this way, economic and financial conditions contributed to the development of Islam in the Ottoman Empire. Islamic economics during the Ottoman Empire reflected the integration of Islamic economic principles with practical economic practices and effective administration. So, according to researchers of the Ottoman Empire, it is very interesting to study in order to find out how the concept and development of Islamic economics was during the Ottoman Empire. Research implications: The implications of the development of the Islamic economy during the Ottoman Empire include:Expansion of Trade Networks: The Ottoman Empire's strategic location bridged East and West, facilitating extensive trade networks that promoted economic growth and cultural exchange.
Increasing Literacy and investment assistance in Sharia Financial institutions for Muslim Study Groups in the Suburbs of Palangka Raya City Hidayati, Tri; Helim, Abdul; Fikriyyah, Ulya Nurul; Munawwarah, Siti; Khisan, Zariatul; Asfirah, Evi; Fadholina, Cania Ainusifa; Haikal, Fikri
Jurnal Pengabdian Masyarakat Bestari Vol. 3 No. 4 (2024): April 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jpmb.v3i4.8943

Abstract

The aim of this activity is to increase understanding of sharia financial concepts, encourage responsible financial management, facilitate access to sharia financial products, increase awareness of sustainability and economic ethics, reduce financial risks and increase economic resilience, and empower the community through sharia financial literacy. The activity was carried out using the lecture and mentoring method in Petuk Ketimpun Village, the participants were the Muslim recitation group at the Nurul Iman Mosque. As a result, participants' sharia financial literacy increased.
Problematika Penggunaan Taspen Otentikasi Dalam Layanan Pembayaran Pensiun Mutmainah, Harni Asih; Khisan, Zariatul
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.6930

Abstract

Penelitian ini berfokus masalah pada problematika taspen otentikasi dalam layanan pembayaran pensiun. Masalah ini muncul karena ditemukan adanya beberapa bentuk penolakan terhadap pembaruan pembayaran digital dengan menggunakan aplikasi taspen otentikasi. Tujuan penulisan ini untuk mengetahui problematika penggunaan taspen otentikasi dalam layanan pembayaran pensiun. Metode penelitian pada tulisan ini adalah metode kepustakaan, yaitu mengumpulkan data dari buku, jurnal, dan artikel. Hasil temuan kajian ini menunjukkan bahwa adanya bentuk penolakan terhadap pembaruan tersebut dengan beberapa faktor yang mempengaruhi, pertama kondisi jaringan, kedua prosesnya yang di anggap rumit, ketiga jarak waktu pelaksannya cukup lama, keempat adanya bentuk penolakan mutlak dari pensiunan itu sendiri. Dalam hal ini berdasarkan teori aguste comte maka kondisi tersebut masuk dalam tahap pemikiran manusia tahap kedua atau metafisis. Sedangkan diluar dari pada golongan tersebut di temukan juga para pensiunan yang menerima dengan baik adanya bentuk kebijakan pembaruan tersebut, ini artinya pada golongan ini tahap pemikiran telah mencapai pada tahap tertinggi atau tahap positif dimana segala bentuk pembaruan dapat diterima dan dipertimbangkan berdasarkan ilmu pengetahuan. Adapun upaya yang di lakukan pihak PT. Taspen sendiri adalah dengan memberikan wawasan para nasabah pensiun yang datang ke kantor terkait kendala yang kemungkinan terjadi pada saat penggunaan taspen otentikasi, memberitahu bahwa pelaksaan otentikasi tidak dibatasi waktu dalam rentan tanggal tertentu mengingat mayoritas pensiunan akan dominan melakukan otentikasi pada tgl 1, memberi contoh penggunaan aplikasi taspen otentikasi, mengingatkan bahwa jika 3 bulan berturut turut tidak melakukan otentikasi maka pembayaran pensiun akan di berhentikan karena di khawatirkan yang bersangkutan telah meninggal dunia dan dana pensiunan harus di limpahkan pada ahli waris yang berhak dan harus melapor pada pihak Taspen.
Co-Authors Abdul Helim Aqlani, Muhammad Indra Zul Asfirah, Evi Desi Erawati, Desi Fadholina, Cania Ainusifa FIKRI HAIKAL Fikriyyah, Ulya Nurul MAFTUKHATUSOLIKHAH MAFTUKHATUSOLIKHAH Maymunah, Noor Munawwarah, Siti Mutmainah, Harni Asih NKoso, Nur Auliani Nor Halisa Novita, Della Tri Hidayati