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All Journal Jurnal Pendidikan Ekonomi & Bisnis Jurnal Ilmiah Edunomika (JIE) IIJSE
Huda, Ahsanal
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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POTENSI PEMBIAYAAN MUDHARABAH AGRIBISNIS TERHADAP KESEJAHTERAAN MASYARAKAT: EFEK MODERASI ECO LITERACY DALAM MEWUJUDKAN SUSTAINABLE DEVELOPMENT GOALS (SDGs) Normasyhuri, Khavid; Huda, Ahsanal
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 3 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i3.18110

Abstract

The main problem identified is the inequality of access to mudharabah financing in the agricultural sector, which hinders farmer empowerment. In addition, the lack of understanding of eco-literacy in the community affects the sustainable management of natural resources. This study aims to examine the effect of agribusiness mudharabah financing on community welfare, by considering the role of eco-literacy as a moderating variable in supporting the achievement of SDGs. A quantitative approach was used with SmartPLS 4.0 software for data analysis. Primary data were collected through purposive sampling and measured using a Likert scale with a total of 400 respondents. The research findings show that mudharabah financing has a positive impact on community welfare, and eco-literacy strengthens this relationship. Farmers who understand sustainability are more likely to manage their businesses more efficiently and environmentally friendly, which has an impact on the achievement of SDGs such as No Poverty, No Hunger, Reduced Inequality, and Gender Equality. This study contributes to understanding how sharia financing and eco-literacy can contribute to sustainable development. These findings provide a basis for the development of more inclusive and sustainable financing products and practical recommendations for policy makers to strengthen ecological literacy among farmers.
The Moderating Role of Information Media in Generation Z’s Sharia Investment Decisions Normasyhuri, Khavid; Saputra, Adli Rikanda; Alfredo, Harold Kevin; Huda, Ahsanal; Febriansyah, Rubi
Jurnal Pendidikan Ekonomi Dan Bisnis (JPEB) Vol. 13 No. 01 (2025): Jurnal Pendidikan Ekonomi & Bisnis (DOAJ & SINTA 2 Indexed)
Publisher : Faculty of Economics, Universitas Negeri Indonesia,Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JPEB.013.1.5

Abstract

This study examines the relationships among information quality, subjective norms, and behavioral control in influencing Generation Z’s Islamic investment decisions during the COVID-19 pandemic, while assessing the moderating role of information media. A quantitative method was employed using SmartPLS 3.0 for statistical analysis. Primary data were collected through purposive sampling of 500 Islamic investors between December 2021 and December 2022 using Google Forms, and all variables were measured with a Likert scale. The findings show that information quality and behavioral control had a positive and significant impact on Generation Z’s Islamic investment decisions during the pandemic. In contrast, subjective norms exhibited a negative relationship, implying that social pressure and external expectations did not consistently promote sharia-based investment behavior. Information media acted as a moderating factor that strengthened the relationship among information quality, subjective norms, and behavioral control in investment decision-making. The results suggest that digital media platforms provided access to timely, accurate, and relevant information, enhancing confidence among young Muslim investors. However, Islamic investment instruments remain limited compared to conventional alternatives. Therefore, expanding and diversifying Islamic financial products is essential to assist investors in developing sustainable and Sharia-compliant investment portfolios that promote ethical growth and long-term economic resilience.  
The Impact of Agribusiness Mudharabah Financing on Community Welfare: Assessing the Moderating Role of Eco-Literacy in the Sustainable Development Goals (SDGs) Normasyhuri, Khavid; Huda, Ahsanal; Alfredo, Harold Kevin
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8739

Abstract

The primary issue identified is the unequal access to mudharabah financing in the agricultural sector, which impedes farmer empowerment. Additionally, sustainable natural resource management is adversely affected by the public's inadequate comprehension of eco-literacy. The objective of this investigation is to investigate the impact of agribusiness mudharabah financing on community welfare, with an emphasis on the role of eco-literacy as a moderating variable in the pursuit of the SDGs. SmartPLS 4.0 software was employed to analyse data using a quantitative approach. Purposive sampling was employed to gather primary data, which was subsequently analysed using a Likert scale with a total of 350 respondents. The study's results suggest that mudharabah financing has a beneficial effect on community welfare, and this relationship is further bolstered by eco-literacy. The achievement of SDGs such as No Poverty, No Hunger, Reduced Inequality, and Gender Equality is influenced by the more efficient and environmentally favourable management of enterprises by farmers who comprehend sustainability. This research contributes to the comprehension of the ways in which Islamic financing and eco-literacy can facilitate sustainable development. These results establish a foundation for the creation of financing products that are more sustainable and inclusive, as well as practical suggestions for policymakers to enhance ecological literacy among producers.
Co-Authors Febriansyah, Rubi Harold Kevin Alfredo Normasyhuri, Khavid Saputra, Adli Rikanda