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All Journal Journal Economic Excellence Ibnu Sina Brilliant International Journal of Management and Tourism Jurnal Kajian Ekonomi dan Perbankan Syariah
Ferdiansyah Himawan
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Analisis Dampak Fluktuasi Harga Kakao terhadap Tingkat Kesejahteraan Rumah Tangga Petani di Desa Kaleok Kecamatan Binuang Kabupaten Polewali Mandar Ferdiansyah Himawan; Jusra Jusra; Rini Rini
Journal Economic Excellence Ibnu Sina Vol. 3 No. 2 (2025): Journal Economic Excellence Ibnu Sina
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/excellence.v3i2.3146

Abstract

Price fluctuations in agricultural commodities, including cocoa, are a common phenomenon that can be influenced by a variety of factors such as global market demand, seasonality, production volume, weather conditions, and product quality. These dynamic changes in prices can create uncertainty and directly impact the economic stability of farming households, especially in rural areas where agriculture is the primary source of income. This study aims to analyze the effect of cocoa price fluctuations on the welfare level of farmer households in Kaleok Village, Binuang Sub-district, Polewali Mandar Regency. The research adopts a descriptive quantitative approach with a field survey method to capture the lived experiences of cocoa farmers facing price instability. Primary data were gathered using a structured questionnaire based on a Likert scale from 74 respondents, selected through the Slovin formula to ensure representativeness. The data were analyzed using simple linear regression to determine the relationship between price volatility and welfare indicators such as income stability, access to education, healthcare, housing conditions, and overall quality of life. The findings reveal that cocoa price fluctuations significantly affect the welfare of farmer households. Higher fluctuations tend to reduce income certainty, limit household spending, and hinder long-term economic planning. These results emphasize the need for policy interventions such as price support mechanisms, farmer cooperatives, access to market information, and financial literacy programs. Ensuring price stability and strengthening institutional support could play a vital role in improving the economic resilience and living standards of cocoa farmers. This study contributes to the broader discourse on rural development, agricultural economics, and poverty reduction in Indonesia.
Peran Baitul Maal Masjid Merdeka (B3M) dalam Pengembangan Gerakan Infaq Beras pada Kaum Dhuafa Ferdiansyah Himawan; Rendi; Dzulkifli
Jurnal Kajian Ekonomi dan Perbankan Syariah Vol 3 No 1 (2024): Jurnal Kajian Ekonomi dan Perbankan Syariah
Publisher : Institut Agama Islam DDI Polewali Mandar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36915/jurnalkajianekonomidanperbankansyariah.v3i1.297

Abstract

Penelitian ini bermula pada situasi dan kondisi covid 19, dimana berdampak kesemua masyarakat khususnya pada kaum dhuafa berdasarkan situasi itu sehingga Baitu Maal Masjid Merdeka (B3M) melakukan gerakan infaq beras pada kaum dhuafa. berdasarkan observasi awal peneliti disini terlihat, bahwa perlunya pengembagan gerakan infaq beras agar dapat mengurangi beban kaum dhuaf. Tujuan penelitian ini adalah (1) untuk mengetahui Peran Baitul Maal Dalam Pengembangan Gerakan Infaq Beras Pada Kaum Dhuafa (2) Untuk Mengetahui Hambatan dan tantangan Baitul Maal Dalam Pengembangan Gerakan Infaq Beras Pada Kaum Dhuafa. Jenis penelitian yang digunakan pada penelitian ini adalah penelitian kualitatif yang berdasarkan pada data yang didapatkan di Lapangan. Adapun prosedur dari penelitian ini, mendapatkan data-data deskriptif yang berupa kalimat-kalimat lisan dan tulisan dari para informan, serta menghasilkan dokumentasi pada sesi wawancara.Adapun Penelitian ini menunjukkan bahwa (1) Peran Baitul Mal Masjid masjid merdeka dengan mencari dan menambah donatur tetap, memposting/mengupload di sosial media segala kegiatan yang dilakukan baik dalam tahap pengumpulan maupun penyaluran infaq beras dan menyebarkan celengan (2) Hambatan Baitul Maal Masjid Merdeka (B3M) Terbatasnya sumber dana yang dimiliki, Waktu penyaluran yang cenderung singkat, Kuota/kupon penerima bantuan infaq beras yang masih terbatas dan tantangannya yaitu meningkatkan sumber dana dan menambah kuota/kupon penerima infaq beras.
The Role of National Civil Capital in Improving Underprivileged Women’s Businesses: An Islamic Economic Analysis Rendi Rendi; Ferdiansyah Himawan
Brilliant International Journal Of Management And Tourism Vol. 5 No. 3 (2025): October: Brilliant International Journal Of Management And Tourism
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/bijmt.v5i3.5867

Abstract

This study discusses the role and financing mechanism of PT Permodalan Nasional Madani (PNM) through the Membina Ekonomi Keluarga Sejahtera (Mekaar) program in improving the businesses and welfare of underprivileged women in Polewali Mandar Regency. The issues raised focus on how the financing program not only increases women's economic capacity but also reflects the core values of Islamic economics. The purpose of this study is to analyze the role of PNM Mekaar in empowering underprivileged women and to assess the extent to which the principles of justice ( al-'adl ), benefit ( al-ma ṣ la ḥ ah ), and mutual assistance ( at-ta'āwun ) are applied in its financing mechanism. The study uses a descriptive qualitative method with a field study approach through in-depth interviews, observation, and documentation of program facilitators and active clients. The results show that unsecured financing, group mentoring, and entrepreneurship training are effective strategies in strengthening capital access, business capacity, and social solidarity among underprivileged women. This practice aligns with the principles of maqā ṣ id al-sharī ʿ ah, particularly in safeguarding and developing wealth ( ḥ if ẓ al-māl ). However, the implementation of Islamic economic values in the Mekaar program is more substantive social than formal contractual, considering that PNM still operates within a conventional system. The conclusion of this study confirms that the Mekaar program is an economic empowerment model that integrates Islamic values practically and contextually, and contributes to strengthening women's economics based on justice and welfare.
Co-Authors Dzulkifli Jusra Jusra Rendi Rendi Rendi Rini Rini