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All Journal ZIJEc: Zabags International Journal of Economy Zabags International Journal of Islamic Studies
Zaenal Abidin
Institut Islam Al-Mujaddid Sabak (IIMS) Tanjung Jabung Timur, Indonesia
Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Consumptive Behavior of Muslim University Students Toward Sharia Fashion Products Maileni Arlinda; Zaenal Abidin; Humaira Ahmad; Febriansyah
Zabags International Journal of Economy Vol. 4 No. 1 (2026): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v4i1.121

Abstract

The development of sharia fashion in Indonesia not only reflects the growing religious awareness among Muslims but also reveals new dynamics in the consumption patterns of the younger generation, particularly university students. Amid the rising popularity of Islamic lifestyles and the strong influence of digital media, the consumption of sharia fashion has the potential to shift from need-based practices toward consumptive behavior imbued with symbolic meanings. This study aims to analyze the consumptive behavior of Muslim university students toward sharia fashion products and to identify the factors influencing such behavior from religious, social, psychological, and media-related perspectives. Employing a qualitative approach with a phenomenological strategy, data were collected through in-depth interviews, observations, and documentation involving Muslim students who actively consume sharia fashion products. The findings indicate that sharia fashion is perceived ambivalently as both a form of religious compliance and an expression of identity and modern lifestyle. Consumption decisions are shaped by the interaction of religious values, emotional impulses, social pressures, and exposure to social media and influencers, which in many cases trigger impulsive consumptive behavior. This study contributes to the literature on Muslim consumer behavior by offering a phenomenological understanding of the negotiation between religious values and contemporary consumer culture, as well as providing implications for strengthening Islamic consumption ethics literacy among university students.
Development Strategies for Micro, Small, and Medium Enterprises (MSMEs) in Kampung Singkep Rafiansyah; Zaenal Abidin; Hasna Dewi; Rahmatina A. K
Zabags International Journal of Economy Vol. 4 No. 1 (2026): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v4i1.124

Abstract

The growing competition between modern and traditional retail sectors has exerted significant pressure on the sustainability of micro, small, and medium enterprises (MSMEs), particularly those operating in staple goods within rural areas. This study aims to identify and understand the development strategies employed by MSME actors in Kampung Singkep Subdistrict to confront the dominance of minimarkets and the challenges they face in increasing profitability. Employing a qualitative approach with a phenomenological strategy, data were collected through in-depth interviews, field observations, and visual documentation, and were analyzed thematically using triangulation techniques. The findings reveal that MSME actors adopt strategies based on service differentiation, community-based distribution, traditional promotion, and the utilization of social capital as adaptive responses to local market dynamics. Key challenges include limited access to capital, low technological literacy, and insufficient institutional support. The study contributes theoretically by integrating a phenomenological approach with competitive advantage theory, product/market growth strategies, and resource-based perspectives, while offering practical insights for designing contextual and community-based MSME development strategies. The implications highlight the need for participatory policy interventions and managerial capacity building to address the complexities of digital economic transformation and intensifying market competition.
Islamic Financial Literacy in Sharia and Capitalist Economic Perspectives Sahril; Zaenal Abidin; Murtadho
Zabags International Journal of Economy Vol. 4 No. 1 (2026): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v4i1.125

Abstract

Islamic cooperatives serve as microfinance institutions that aim to integrate Islamic ethical values into financial practices, particularly in rural areas where access to formal banking remains limited. This study investigates the implementation of sharia principles in the savings and loan products of the Amanah Umat Cooperative in Dendang District, with a focus on the application of mudhārabah and musyārakah contracts. Utilizing a qualitative case study approach, the research involved field observations, in-depth interviews, and document analysis to capture the experiences of cooperative members and staff. The results show that while the cooperative demonstrates an intention to adhere to Islamic principles such as justice, mutual cooperation, and the prohibition of riba its implementation is constrained by informal practices, limited literacy, and the absence of internal sharia supervision. The use of mudhārabah and musyārakah is frequently inconsistent with normative sharia standards due to lack of contract clarity and risk-sharing mechanisms. This study contributes both theoretically and practically by offering grounded insights into the challenges of operationalizing Islamic finance at the grassroots level and highlights the need for context-sensitive strategies to enhance sharia compliance in cooperative systems.
Co-Authors Ahmad Luthfi Alda Firdaus Amat Antoni Bayu Anggara Syahputra Dwi Prasetyo Elian Nur Syafaat Febriansyah Hairul Hapzi Hasna Dewi Humaira Ahmad Kurniawan Maileni Arlinda Maimunah Marlita Murtadho Niskaromah Niskaromah Nurjali Okta Prinoza Rafiansyah Rahmatina A. K Reza Okva Marwendi Sahril Sandi Wijaya Triyana Wulandari Triyana Wulandari Vionita Baros Wargo Zeni Sunarti