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Balanca : Jurnal Ekonomi dan Bisnis Islam
Published by Institut Agama Islam Negeri Parepare
ISSN : 26859440     EISSN : 27156370     DOI : https://doi.org/10.35905/balanca.v2i1
Core Subject : Economy,
Economics, Econometrics & Finance
Islamic Management, Islamic Banking, Islamic Marketing, Islamic Human Resources, Islamic Finance, Islamic Accounting, Islamic Microfinance, Zakah, Waqf, Philantrophy, Poverty Alleviation, Islamic Public Finance, Maqasid al-Shariah, ShariahIssues, Sukuk, Islamic Capital Markets, Insurance and Takaful, Corporate Social Responsibility in Islam
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 81 Documents
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Pengaruh Label Halal dan Promosi Terhadap Keputusan Pembelian Produk Kosmetik Scarlett Rohmah, Aniyatur; Habibi, Azwar
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 6 No 2 (2024): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v6i2.9035

Abstract

The research aimed to determine the influence of halal labelling and promotion on purchasing decisions for Scarlett cosmetic products among these students. The study employed a multiple linear regression analysis using SPSS version 21, with primary data collected through questionnaires from a sample size of 159 Sharia economics students. The results showed that both halal labelling and promotion had a positive effect on purchasing decisions. The F test indicated that the simultaneous influence of halal labelling and promotion on purchasing decisions was significant. Moreover, the t tests revealed that both the halal labelling variable and the promotion variable had a positive and significant effect on purchasing decisions. The coefficient of determination (R2) showed that 46.8% of the regression model could explain the purchasing decisions, with the remaining 53.2% being influenced by other variables not examined in this study.
Tinjauan Sistem Jual Beli Kredit Perabotan Rumah Tangga dalam Perspektif Ekonomi Islam di Kabupaten Kerinci Sarmigi, Elex; Okataria, Welan; Bustami, Bustami; Nasution, Syamsarina; Harahap, Samsul Bahry
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 7 No 1 (2025): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v7i1.12979

Abstract

This research was conducted to find out the credit system that is allowed and prohibited in Islamic economics, the practice of buying and selling household furniture goods with a credit system carried out by the people of Kerinci Regency. This research is descriptive qualitative research. There were 9 people who became informants of credit providers and creditors. The data obtained were analyzed descriptively qualitatively processed in three stages, namely data reduction, data presentation, data verification. This research found that the practice of buying and selling household furniture credit in Kerinci Regency is not in accordance with sharia principles. Although it provides convenience for the community, this system contains elements of usury through late fees, non-transparent profit margins, and a lack of understanding of sharia contracts. Low financial literacy also worsens the condition, so this practice does not fulfill the principle of maslahah in Islamic economics.
A Digital Halal Lifestyle Strategy in the Development of Muslimah Fashion MSMEs: Case Study of Amelda Fashion in Silirejo Village Sofa Nazilatul Khusna; Hendri Hermawan Adinugraha; Ade Gunawan
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 7 No 1 (2025): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v7i1.13193

Abstract

The Muslim fashion industry has grown rapidly along with increasing public awareness of the halal lifestyle. This research examines the digital halal lifestyle strategy of Amelda Fashion, a Muslimah fashion MSME in Silirejo Village. Using a qualitative approach, data were collected through observations of live shopping sessions on TikTok and Shopee, as well as in-depth interviews with the business owner. The findings show that Amelda integrates live shopping, value-based pricing, trend-based design innovation, and e-commerce data utilization. This strategy supports efficiency, strengthens halal identity, and is relevant to the dynamic capabilities theory in value-based MSME development.
Optimalisasi Fintech Syariah untuk Inklusi Keuangan di Indonesia di Era Digital: Perspektif Ekonomi Islam. Said, Muhammad
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 7 No 1 (2025): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v7i1.13214

Abstract

This systematic literature review (SLR) investigates the optimization of sharia-compliant fintech to enhance financial inclusion in Indonesia, guided by Islamic economic principles. Analyzing 36 peer-reviewed articles from 2018 to 2024, the study employs a qualitative approach to explore trends, challenges, and opportunities. Findings reveal that sharia fintech, through innovations like peer-to-peer lending, crowdfunding, and e-wakaf, significantly improves access to financial services for unbanked populations and MSMEs. Key enablers include technological advancements, sharia compliance, and government support, while challenges involve regulatory ambiguity, low financial literacy, and public trust issues. The review underscores the importance of consumer preferences, literacy programs, and integration with sharia microfinance institutions in scaling adoption. Recommendations include robust regulatory frameworks, enhanced digital literacy initiatives, and collaborative ecosystems to ensure sustainable growth. This SLR contributes to the literature by synthesizing insights, identifying research gaps, and offering evidence-based strategies for policymakers and stakeholders to foster inclusive economic development in Indonesia’s digital era.
Integrasi Prinsip Shariah Compliance dan Manajemen Risiko Keuangan Pada Lembaga Keuangan Syariah di Indonesia Fadilah, Nurul; Muhammad Firdaus; M. Yakub
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 7 No 1 (2025): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v7i1.13223

Abstract

The background of this study is the importance of ensuring sharia compliance and effective risk management for the sustainability of LKS. The purpose of the research is: 1) Analyze the principles of Shariah Compliance. 2) Identify and classify the types of risks in LKS. 3) Evaluate the integration of Shariah Compliance principles in risk management practices in LKS. The method used is library research with a descriptive qualitative approach. The results showed that sharia compliance is The principle of Shariah Compliance is important for Sharia Financial Institutions (LKS) to ensure transactions comply with Islamic teachings, such as the prohibition of riba and maysir. The Shariah Supervisory Board (DPS) oversees compliance and recommends products. LKS faces risks such as financing and reputation, requiring ethical risk management. The integration of sharia principles in risk management is important for the halalness of transactions and the sustainability of the Islamic financial system, despite challenges such as limited instruments and lack of trained human resources.
The Role of Traditional Markets in Advancing Maqasid Al-Sharia: A Case Study of Pasar Baru Sungai Dama Samarinda Jamaida, Nur Riski Amalia; Fajri AF, Muh Shadiqul
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 7 No 1 (2025): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v7i1.13345

Abstract

This study investigates the role of traditional markets in advancing the objectives of Maqāṣid al-Sharīʿah by conducting a qualitative case study of Pasar Baru Sungai Dama in Samarinda, Indonesia. The research applies a thematic analysis grounded in the five dimensions of Maqāṣid al-Sharīʿah—preservation of religion (ḥifẓ al-dīn), life (ḥifẓ al-nafs), intellect (ḥifẓ al-ʿaql), progeny (ḥifẓ al-nasl), and wealth (ḥifẓ al-māl). Data were collected through interviews, field observations, and documentation reviews, and analyzed inductively to identify how market practices align with Shariah-based ethical and economic values. Findings reveal that Pasar Baru supports religious practices, provides safety and hygiene infrastructure, fosters ethical education, accommodates family needs, and enhances financial inclusion. These dimensions demonstrate the capacity of traditional markets to contribute meaningfully to Islamic socio-economic goals beyond mere commerce. The study concludes that with deliberate ethical governance, traditional markets can serve as inclusive Shariah-compliant institutions. Implications for Islamic economics, public policy, and local governance are discussed, with recommendations for broader application and future comparative research.
Analisis Implementasi Etika Bisnis Islam dalam Bisnis Penginapan Syariah di Kota Sungai Penuh Kartika, Vhyola Dewi; Sarmigi, Elex; Sumanti, Eva
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 7 No 2 (2025): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v7i2.13204

Abstract

Sharia-based accommodations have been growing in response to the increasing awareness among Muslim communities about the importance of services that align with Islamic principles. This study aims to analyze the implementation of Islamic business ethics in Sharia accommodation businesses in Sungai Penuh City, focusing on management, services, facilities, and compliance with Sharia regulations. Using a qualitative case study approach, data were collected through interviews with managers, direct observation, and document analysis. The findings show that Sharia principles are applied through policies on non-mahram interactions, the availability of prayer facilities, the use of Sharia-compliant financial systems, and halal standards in food and beverages. However, challenges remain, including limited public understanding and the lack of specific regulations governing Sharia accommodations. This study is expected to offer insights for hospitality businesses in improving Sharia-based services and serve as a reference for government policy development.
Pengaruh Pengetahuan Kewirausahaan dan Kepribadian Wirausaha Terhadap Keberhasilan Usaha Gula Aren di Desa Luyo Solihin, Andi; Asrandi, Asrandi; Alwi, Muhammad
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 7 No 2 (2025): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v7i2.14836

Abstract

This study aims to analyze the influence of entrepreneurial knowledge and entrepreneurial personality on the business success of palm sugar enterprises in Luyo Village, Polewali Mandar Regency. The research employed a quantitative method with a survey approach. A total of 30 palm sugar entrepreneurs were selected as respondents using a simple random sampling technique. Research instruments were tested for validity and reliability, showing that all items were valid and reliable. Data analysis was conducted using multiple linear regression. The results reveal that entrepreneurial knowledge does not have a significant effect on the business success of palm sugar enterprises, as indicated by a significance value of 0.414 and a t-value of 0.830, which is lower than the critical t-table value of 2.051. Conversely, entrepreneurial personality has a significant and positive influence on business success, with a significance value of 0.014 and a t-value of 2.618, exceeding the t-table threshold. These findings suggest that formal entrepreneurial knowledge may not play a major role in determining the success of traditional businesses such as palm sugar production. Instead, personal traits like persistence, risk-taking, and creativity are more influential in driving entrepreneurial success. The study contributes to a contextual understanding of how internal characteristics affect small business outcomes in traditional, resource-based settings.
Analisis Perbandingan Pendapatan Usaha Tani Kakao Sambung Samping dan Non Sambung Samping di Desa Riso Kabupaten Polewali Mandar Rahman, Ahri; Dambe, Jumriani; Rahman, Adi Putra
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 7 No 2 (2025): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v7i2.14837

Abstract

This study aims to analyze the income comparison between side-grafting and local cocoa farming in Riso Village, Polewali Mandar Regency. The research method used is a quantitative approach with primary and secondary data sources, and sampling was conducted using the Slovin method. Data analysis was performed using income analysis and R/C ratio. The results show that side-grafting cocoa farming is more profitable, with a total income of IDR 72,006,107 per hectare per year. The feasibility analysis indicates that the R/C ratio for side-grafting is 19.4 and for local cocoa farming is 15.6, meaning both types of farming are feasible to run. Side-grafting cocoa farming also has the advantage of easier maintenance, which can save time and costs for farmers. However, farmers need to consider weather factors when performing grafting to increase the success of side-grafting cocoa farming. This research provides valuable information for farmers and policymakers in developing more productive and profitable cocoa farming.
Analisis Strategi Pemasaran Pada Café Purnama Di Kecamatan Polewali, Kabupaten Polewali Mandar Rosmini, Rosmini; Safitri, Nursan; Suhab , Resky Faradibah
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 7 No 2 (2025): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v7i2.14839

Abstract

This study aims to analyze the marketing strategies of Café Purnama in Polewali District, Polewali Mandar Regency. The method used is descriptive qualitative with data collected through interviews, observations, and documentation. The results of the study indicate that Café Purnama's strengths lie in its superior quality of local coffee, strategic location, comfortable and aesthetic atmosphere, friendly service, and complete supporting facilities. However, weaknesses were found in the aspects of promotional strategies that have not been optimized, limited workforce during peak hours, an unstructured ordering system, and a lack of menu innovation. The business opportunities include the increasing demand for hangout spaces among youth and digital workers, as well as the potential for collaboration with local communities. The threats faced involve competition with other cafés that implement more aggressive promotions and have larger seating capacities. This study concludes that Café Purnama has significant potential to grow if it is able to develop more structured and innovative promotional strategies.

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