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Musthofa , M. Arif
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Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences

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Revenue Enhancement of Bakso Bakar King Alim Through Marketing Strategies Widiyanti, Epa; Musthofa , M. Arif; kadarsih, Sri; Abidin, Zaenal; Kartika Devi, Erwina; Yatima, Khusnul; Fatimah, Siti
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.851

Abstract

This study aims to analyze the marketing strategies implemented by the micro-enterprise Bakso Bakar King Alim, located in Muara Sabak Barat Subdistrict, Tanjung Jabung Timur Regency, Jambi Province, in its efforts to survive and grow amid local market competition. The research employs a descriptive qualitative approach with data collection techniques including interviews, observation, and documentation. The findings indicate that the business applies a marketing mix strategy that encompasses product differentiation through grilling techniques and signature seasoning blends, pricing tailored to the local purchasing power, strategic location selection, and promotion that combines digital media such as WhatsApp with word-of-mouth communication. The novelty of this research lies in the integration of digital approaches with the strength of local community networks in expanding market reach and enhancing customer loyalty. The implications of this study may serve as a reference for other micro-enterprises in developing contextual, affordable, and sustainability-oriented marketing strategies, as well as for policymakers in designing MSME empowerment programs based on local potential
Analyzing Community Saving Behavior at the 'Usaha Bersama' Savings and Loan Cooperative Hardiansah, Abu; Musthofa , M. Arif; Khoiratun Nisak, Sayida; Daud; Kartika Devi, Erwina
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.901

Abstract

This study investigates the saving behavior of members of the “Usaha Bersama” Savings and Loan Cooperative in Merbau Village, Mendahara District, utilizing the Theory of Planned Behavior as the analytical framework. Employing a qualitative approach through interviews, observations, and documentation, the research uncovers the complex interplay of economic, social, and cultural factors influencing members’ saving habits. Findings reveal that ease of access, social proximity, trust in cooperative management, and local cultural values—particularly the principle of ta’awun (mutual cooperation)—significantly shape saving behavior. Although savings amounts tend to be small and irregular due to fluctuating agricultural incomes, saving remains an integral part of the community’s strategy to manage economic uncertainty and urgent needs. The study highlights the cooperative’s innovative flexible deposit policy and transparent, participatory management as key drivers of member engagement and loyalty. Implications emphasize the importance of inclusive cooperative models, continuous financial education, and culturally grounded policies in promoting sustainable savings practices and enhancing rural economic empowerment. This research contributes practical insights for cooperative development and policy formulation aimed at strengthening community-based financial inclusion in underserved rural areas
Optimization of Empowerment Strategies for Shrimp Cracker SMEs to Enhance Income and Competitiveness Zaky Jahisam, Ahmad; Musthofa , M. Arif; Sunarti, Zeni; Kartika Devi, Erwina; Fatimah, Siti
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.902

Abstract

This study examines the empowerment strategies implemented by the Cempaka 2 Wood-Fired Shrimp Crackers MSME in Kelurahan Mendahara Ilir, which significantly enhance income and product competitiveness in both local and external markets. Employing a qualitative descriptive approach, the research identifies key strategies such as continuous product quality improvement through training and innovation in flavor variants and hygienic packaging, the development of integrated marketing networks combining traditional and digital platforms, managerial training for human resource capacity building, and sustainable utilization of abundant local raw materials. The study contributes novel insights into integrating product innovation tailored to modern consumer preferences and the successful transition of traditional MSMEs into digital marketing channels. Additionally, it highlights the socio-cultural role of MSMEs in preserving local identity and cultural heritage, alongside environmental sustainability through coastal ecosystem preservation. The findings provide valuable recommendations for policymakers, business actors, and stakeholders to foster sustainable MSME development that balances economic, social, and cultural dimensions, ultimately supporting inclusive local economic growth
Pricing Model of Palm Oil by Toke: An Islamic Economic Perspective on Indebted Farmers Rima; Musthofa , M. Arif; Yatima, Khusnul; Daud; Sarwono; Wulandari, Triyana; Edi Saputra, Ahmad
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.903

Abstract

This study examines the unilateral price-setting practices by toke (middlemen) on indebted palm oil farmers in Muara Sabak Timur District from an Islamic economic perspective. The findings reveal that price determination occurs without farmers’ consultation or mutual consent, leading to significantly lower prices for indebted farmers compared to debt-free counterparts. This practice exacerbates economic injustice and deepens farmers’ dependency on toke, who use debt as a covert mechanism of price control. The study identifies elements of gharar (uncertainty), zulm (oppression), and ikrah (coercion) in the pricing practices, which violate the Islamic principle of an-tarāḍin (mutual consent) in transactions. Recommendations include establishing Sharia-compliant cooperatives and microfinance institutions offering interest-free financing and transparent, fair pricing mechanisms. Additionally, the study proposes the implementation of hisbah supervision as a social control instrument to prevent exploitative practices. The research contributes to the agrarian economic literature by integrating maqāṣid shariah principles to promote social justice and economic empowerment for small-scale farmers, ultimately supporting sustainable development and equitable market systems
Innovative Equitable Profit-Sharing Schemes for Optimizing Cattle Farming Income: An Integrative Approach Based on Islamic Law Pertiwi, Ana; Sunarti, Zeni; Haeran; Musthofa , M. Arif; Kartika Devi, Erwina
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.904

Abstract

This study explores the effective implementation of the profit-sharing mechanism based on the mudharabah contract in cattle farming enterprises in Parit Culum II Village, Indonesia, aiming to overcome capital constraints and enhance farmers’ income. Employing a qualitative descriptive approach, the research combines empirical and normative juridical methods, utilizing field observations, interviews, and document analysis. The findings reveal that the mudharabah model fosters a synergistic partnership between capital providers (shahibul maal) and farmers (mudharib), where profits are shared proportionally and financial risks borne mainly by capital owners, unless managerial negligence occurs. Notably, the study uncovers an innovative profit-sharing scheme involving both monetary returns and proportional division of livestock offspring, promoting sustainable biological asset management. This application extends fiqh muamalah into the agribusiness sector, emphasizing justice (‘adl), trustworthiness (amanah), and maqashid al-shari’ah principles to establish transparent and equitable partnerships. The research highlights the importance of enhanced monitoring, communication, and Shariah-based managerial training to optimize partnership sustainability. This model offers practical insights for advancing inclusive and sustainable Shariah-compliant economic development in rural agrarian communities
Perceptions and Preferences of Traditional Market Traders toward Islamic Banking M. Fahrurrozi; Abidin, Zaenal; Sarwono; Khoiratun Nisak, Sayida; Dewi , Hasna; Musthofa , M. Arif; Kartika Devi, Erwina
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.914

Abstract

This study explores the perceptions of traders at Pasar Sabtu, Mendahara Ilir, towards Islamic banking, focusing on factors influencing their acceptance and utilization of Sharia-compliant financial services. Employing a qualitative descriptive approach through interviews, observations, and document analysis, the research uncovers that while traders exhibit a positive inclination toward Islamic banking grounded in spiritual values and trust, their understanding of fundamental Sharia principles remains limited. Barriers such as restricted physical access to Islamic banking branches, inadequate financial and digital literacy, and reliance on informal information networks hinder broader adoption. The study highlights the critical role of spirituality as social capital, alongside geographic, educational, and socio-cultural factors, in shaping perceptions and behaviors. Findings suggest that for Islamic banking to expand inclusively within traditional markets, strategic emphasis must be placed on comprehensive literacy enhancement, improved accessibility, and community engagement. This research contributes novel insights by holistically integrating spiritual, educational, and socio-economic dimensions, providing a foundation for tailored educational and marketing strategies that support sustainable financial inclusion
The Impact of Financial Literacy and Inclusion on MSME Performance in Talang Babat: An Empirical Approach to Driving Local Economic Growth Agung Prayoga, Dimas; Abidin, Zaenal; Yatima, Khusnul; Musthofa , M. Arif; Kartika Devi, Erwina; Okva Marwendi, Reza
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.916

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in Indonesia’s economy, yet their performance in regions like Talang Babat Subdistrict remains suboptimal due to low financial literacy and limited financial inclusion. This study investigates the individual and simultaneous effects of financial literacy and financial inclusion on MSME performance using a quantitative causal approach with multiple linear regression analysis. Data were collected from 89 MSME actors selected through cluster random sampling. The results demonstrate that both financial literacy and financial inclusion significantly and positively influence MSME performance, explaining 68.8% of its variance. The study highlights the synergistic impact of these variables, emphasizing the importance of integrating financial education with improved access to formal financial services. Findings also underscore the practical importance of separating personal and business finances and structured financial record-keeping in enhancing business sustainability. The study contributes to MSME literature by providing an integrative model and offers policy recommendations for local governments and financial institutions to support MSME development through holistic financial capacity building and inclusion strategies
Co-Authors Agung Prayoga, Dimas Daud Dewi , Hasna Edi Saputra, Ahmad Haeran Hardiansah, Abu Kadarsih, Sri Kartika Devi, Erwina Khoiratun Nisak, Sayida M. Fahrurrozi Okva Marwendi, Reza Pertiwi, Ana Rima Sarwono Siti Fatimah Sunarti, Zeni Widiyanti, Epa Wulandari, Triyana Yatima, Khusnul Zaenal Abidin Zaky Jahisam, Ahmad