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All Journal Islamic Economic and Business Journal Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review
Abdulahanaa
Institut Agama Islam Negeri Bone
Economics, Econometrics & Finance Other

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Analysis of the Implementation of Murabahah Contract in Fertilizer Payments with a Post-Harvest Payment Scheme from the Perspective of Islamic Financial Institutions A. Kasmianti; Abdulahanaa; Shadriyah
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 5 No. 1 (2025): June
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v5i1.2435

Abstract

This study aims to analyze the implementation of the murabahah contract in post-harvest fertilizer payments in Tadang Palie Village, Ulaweng District, Bone Regency, and to assess it from the perspective of Islamic financial institutions. Murabahah is a sale contract in Islamic banking where the purchase price and profit margin are agreed upon at the start of the transaction. The study uses a qualitative descriptive method, with data collected through observation, interviews, and documentation involving corn farmers. The findings show that post-harvest fertilizer payments are commonly practiced among farmers, providing convenience by allowing them to obtain fertilizer without upfront payment. However, this system carries risks, particularly the possibility of payment default due to uncertain harvest outcomes. From the Islamic financial perspective, the application of the murabahah contract in this scheme is generally in accordance with sharia principles, as it fulfills the pillars and conditions of a valid contract. Still, there are important aspects that require attention, such as price transparency and effective risk management. This research is expected to provide useful insights for academics, farmers, and Islamic financial institutions in understanding the practical implementation of the murabahah contract, particularly in agricultural financing with a post-harvest payment system.
ANALYSIS OF PUBLIC INTEREST PERCEPTIONS TOWARD GOLD INVESTMENT (A STUDY IN TANETE RIATTANG DISTRICT, BONE REGENCY) NURHASANAH; ABDULAHANAA; IDA FARIDA
Islamic Economic and Business Journal Vol. 8 No. 2 (2026): Islamic Economic and Business Journal
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v8i2.12334

Abstract

Abstract This study aims to analyze public perception of gold investment, identify factors that affect investment interest, and examine gold investment practices from an Islamic perspective in Tanete Riattang District, Bone Regency. The research uses a descriptive qualitative approach with a field study method. Data were collected through in-depth interviews and documentation of 15 selected informants using purposive sampling techniques, then analyzed with the Miles and Huberman model through data reduction, data presentation, and conclusion drawn. The results of the study show that the public views gold investment as a safe, stable, liquid, and able instrument to maintain the value of wealth. These perceptions are influenced by experience, social environment, family, and digital information. However, investment interest is still influenced by economic limitations and low financial literacy. From an Islamic perspective, gold investment is allowed as long as it meets sharia principles. This research provides an empirical contribution on the importance of Islamic financial literacy in shaping perceptions and encouraging interest in gold investment in the community.   Abstrak Penelitian ini bertujuan menganalisis persepsi masyarakat terhadap investasi emas, mengidentifikasi faktor-faktor yang memengaruhi minat investasi, serta mengkaji praktik investasi emas dalam perspektif Islam di Kecamatan Tanete Riattang, Kabupaten Bone. Penelitian menggunakan pendekatan kualitatif deskriptif dengan metode studi lapangan. Data dikumpulkan melalui wawancara mendalam dan dokumentasi terhadap 15 informan yang dipilih menggunakan teknik purposive sampling, kemudian dianalisis dengan model Miles dan Huberman melalui reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa masyarakat memandang investasi emas sebagai instrumen yang aman, stabil, likuid, dan mampu menjaga nilai kekayaan. Persepsi tersebut dipengaruhi oleh pengalaman, lingkungan sosial, keluarga, dan informasi digital. Namun, minat investasi masih dipengaruhi oleh keterbatasan ekonomi dan rendahnya literasi keuangan. Dalam perspektif Islam, investasi emas diperbolehkan selama memenuhi prinsip syariah. Penelitian ini memberikan kontribusi empiris mengenai pentingnya literasi keuangan syariah dalam membentuk persepsi dan mendorong minat investasi emas pada masyarakat.
Co-Authors A. Kasmianti Ida Farida NURHASANAH Shadriyah