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Fitra Rizal
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INDONESIA
Journal of Economics and Social Sciences
Published by CV. Civiliza Publishing
ISSN : 28305337     EISSN : 28305264     DOI : -
Core Subject : Economy, Science, Agriculture, Social,
Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences
ournal of Economics and Social Sciences (JESS) is a peer-reviewed journal published twice a year (every June and December) by CV. Civiliza Publishing. Journal of Economics and Social Sciences (JESS) accepts original scientific papers that have never been published. The discussion in this journal includes: Economics; Business; Finance; Philanthropy; Social Science; Public; and others within the scope of economics studies. P-ISSN 2830-5337 E-ISSN 2830-5264. It is located at: Ponorogo East Java Indonesia. The scope includes theories and practices in the field of economics and Social Sciences. This includes but not limited to: Economics; Business; Finance; Philanthropy; Social Science; Public; and others within the scope of economics studies.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 243 Documents
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An Exploration of the Practice of Buying and Selling Mobile Legends Diamonds Based on Sharia Economic Law Jemani; Daud; Khoiratun Nisak, Sayida; Kurniawan; Sunarti, Zeni; Kartika Devi, Erwina; Okva Marwendi, Reza
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.891

Abstract

This study aims to examine the practice of purchasing Mobile Legends diamonds at Toko Samsul Muin Jaya from the perspective of Sharia economic law. Employing a descriptive qualitative approach through a single case study design, this research provides an in-depth analysis of digital transaction mechanisms within a rural context. Data were collected through observation, interviews, and documentation, and analyzed using the Miles, Huberman, and Saldaña model. The findings reveal that the transaction practices are conducted informally, lacking contractual clarity, transparency of the transaction object, and adequate consumer protection. Although the shop is trusted by the local community due to its speed and affordable pricing, the practices still involve elements of gharar (uncertainty) and do not fully comply with Sharia standards. The novelty of this research lies in its direct exploration of digital buying and selling practices in rural areas, which remain underexplored in contemporary Islamic economic law literature. The findings underscore the importance of digital-based Sharia economic literacy education and the active role of religious leaders and regulators in guiding communities toward fair, transparent, and Sharia-compliant digital economic practices
Hospital Management Strategy in Improving Adaptive and Innovative Human Resources Nugroho, Maulana Adjie; Purwadhi, Purwadhi; Kusnadi, Dadang
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.897

Abstract

This study aims to explore hospital HRM strategies through a narrative review approach with thematic analysis of academic literature and policy documents published between 2016 and 2025. The review reveals that effective HRM strategies include the implementation of transformational leadership, an organizational culture that supports continuous learning, digitalization of HR processes, and incentive systems that foster innovation. Key instruments in enhancing healthcare workers’ adaptive capacity include reskilling and multiskilling programs, online learning platforms, and Human Resource Information Systems (HRIS). However, challenges such as resistance to change, limited resources, structural bureaucracy, and weak evaluation systems hinder effective implementation. This study concludes that strengthening the integration of structural, cultural, and technological aspects is crucial to building hospital human resources that are resilient, responsive, and highly competitive. The practical implications provide strategic guidance for hospital management, policymakers, and educational institutions in designing more contextual and sustainable HR development programs.
Analyzing Community Saving Behavior at the 'Usaha Bersama' Savings and Loan Cooperative Hardiansah, Abu; Musthofa , M. Arif; Khoiratun Nisak, Sayida; Daud; Kartika Devi, Erwina
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.901

Abstract

This study investigates the saving behavior of members of the “Usaha Bersama” Savings and Loan Cooperative in Merbau Village, Mendahara District, utilizing the Theory of Planned Behavior as the analytical framework. Employing a qualitative approach through interviews, observations, and documentation, the research uncovers the complex interplay of economic, social, and cultural factors influencing members’ saving habits. Findings reveal that ease of access, social proximity, trust in cooperative management, and local cultural values—particularly the principle of ta’awun (mutual cooperation)—significantly shape saving behavior. Although savings amounts tend to be small and irregular due to fluctuating agricultural incomes, saving remains an integral part of the community’s strategy to manage economic uncertainty and urgent needs. The study highlights the cooperative’s innovative flexible deposit policy and transparent, participatory management as key drivers of member engagement and loyalty. Implications emphasize the importance of inclusive cooperative models, continuous financial education, and culturally grounded policies in promoting sustainable savings practices and enhancing rural economic empowerment. This research contributes practical insights for cooperative development and policy formulation aimed at strengthening community-based financial inclusion in underserved rural areas
Optimization of Empowerment Strategies for Shrimp Cracker SMEs to Enhance Income and Competitiveness Zaky Jahisam, Ahmad; Musthofa , M. Arif; Sunarti, Zeni; Kartika Devi, Erwina; Fatimah, Siti
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.902

Abstract

This study examines the empowerment strategies implemented by the Cempaka 2 Wood-Fired Shrimp Crackers MSME in Kelurahan Mendahara Ilir, which significantly enhance income and product competitiveness in both local and external markets. Employing a qualitative descriptive approach, the research identifies key strategies such as continuous product quality improvement through training and innovation in flavor variants and hygienic packaging, the development of integrated marketing networks combining traditional and digital platforms, managerial training for human resource capacity building, and sustainable utilization of abundant local raw materials. The study contributes novel insights into integrating product innovation tailored to modern consumer preferences and the successful transition of traditional MSMEs into digital marketing channels. Additionally, it highlights the socio-cultural role of MSMEs in preserving local identity and cultural heritage, alongside environmental sustainability through coastal ecosystem preservation. The findings provide valuable recommendations for policymakers, business actors, and stakeholders to foster sustainable MSME development that balances economic, social, and cultural dimensions, ultimately supporting inclusive local economic growth
Pricing Model of Palm Oil by Toke: An Islamic Economic Perspective on Indebted Farmers Rima; Musthofa , M. Arif; Yatima, Khusnul; Daud; Sarwono; Wulandari, Triyana; Edi Saputra, Ahmad
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.903

Abstract

This study examines the unilateral price-setting practices by toke (middlemen) on indebted palm oil farmers in Muara Sabak Timur District from an Islamic economic perspective. The findings reveal that price determination occurs without farmers’ consultation or mutual consent, leading to significantly lower prices for indebted farmers compared to debt-free counterparts. This practice exacerbates economic injustice and deepens farmers’ dependency on toke, who use debt as a covert mechanism of price control. The study identifies elements of gharar (uncertainty), zulm (oppression), and ikrah (coercion) in the pricing practices, which violate the Islamic principle of an-tarāḍin (mutual consent) in transactions. Recommendations include establishing Sharia-compliant cooperatives and microfinance institutions offering interest-free financing and transparent, fair pricing mechanisms. Additionally, the study proposes the implementation of hisbah supervision as a social control instrument to prevent exploitative practices. The research contributes to the agrarian economic literature by integrating maqāṣid shariah principles to promote social justice and economic empowerment for small-scale farmers, ultimately supporting sustainable development and equitable market systems
Innovative Equitable Profit-Sharing Schemes for Optimizing Cattle Farming Income: An Integrative Approach Based on Islamic Law Pertiwi, Ana; Sunarti, Zeni; Haeran; Musthofa , M. Arif; Kartika Devi, Erwina
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.904

Abstract

This study explores the effective implementation of the profit-sharing mechanism based on the mudharabah contract in cattle farming enterprises in Parit Culum II Village, Indonesia, aiming to overcome capital constraints and enhance farmers’ income. Employing a qualitative descriptive approach, the research combines empirical and normative juridical methods, utilizing field observations, interviews, and document analysis. The findings reveal that the mudharabah model fosters a synergistic partnership between capital providers (shahibul maal) and farmers (mudharib), where profits are shared proportionally and financial risks borne mainly by capital owners, unless managerial negligence occurs. Notably, the study uncovers an innovative profit-sharing scheme involving both monetary returns and proportional division of livestock offspring, promoting sustainable biological asset management. This application extends fiqh muamalah into the agribusiness sector, emphasizing justice (‘adl), trustworthiness (amanah), and maqashid al-shari’ah principles to establish transparent and equitable partnerships. The research highlights the importance of enhanced monitoring, communication, and Shariah-based managerial training to optimize partnership sustainability. This model offers practical insights for advancing inclusive and sustainable Shariah-compliant economic development in rural agrarian communities
Optimization of the Dual Role of Housewives in the Economic Activities of Fishermen Communities in the Digital Era Gano, Erwin; Khoiratun Nisak, Sayida; Wandi; Wargo; Kartika Devi, Erwina
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.905

Abstract

The dual role of housewives in the fishing community of Mendahara Ilir Subdistrict is the primary focus of this study, which examines how they manage domestic responsibilities while simultaneously contributing to informal economic activities such as part-time work and small-scale enterprises. This study also highlights the practice of saving at Islamic banks as a strategy to enhance financial literacy and economic stability for fishing families. Employing a qualitative approach with a case study method, data were collected through in-depth interviews, participatory observation, and document analysis. The findings indicate that the dual role of housewives serves as a crucial pillar in maintaining family economic resilience, particularly amid the instability of husbands’ incomes. Economic activities carried out by housewives, such as betel nut peeling and home-based businesses, not only increase family income but also strengthen social solidarity within the community. Saving activities at Islamic banks align with religious values and contribute to sustainable family financial management. This study underscores the importance of policy support for women’s empowerment through skills training, access to capital, and market network expansion, alongside promoting inclusive financial services grounded in Islamic principles. In conclusion, the strategic involvement of housewives in both domestic and economic spheres significantly contributes to the sustainable socio-economic development of the fishing community
Analysis of Community Digital Literacy Levels in the Use of Mobile Banking at Islamic Banks Ramadhan Asmara, Rizky; Dewi , Hasna; Edi Saputra, Ahmad; Kartika Devi, Erwina; Haeran
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.906

Abstract

This study explores the level of knowledge and understanding of mobile banking services offered by Bank Syariah Indonesia among the community of Kelurahan Mendahara Ilir. Utilizing a qualitative descriptive approach, data were collected through interviews, observations, and document reviews to analyze community experiences and perceptions. Findings reveal that knowledge about mobile banking varies significantly, with younger and more educated individuals demonstrating greater awareness and usage. Major barriers include insufficient socialization and training, unstable internet connectivity, limited data availability, and concerns over digital transaction security. These challenges contribute to the continued reliance on conventional banking methods among certain groups. The study highlights the necessity for intensified and inclusive educational programs, improved digital infrastructure, and user-friendly guidance to enhance digital literacy. Addressing these issues will facilitate broader adoption of mobile banking services and support the advancement of sharia-compliant financial inclusion in the digital age
Optimization of Financing in Joint Business Savings and Loan Cooperatives as a Driving Force of the Economy Gano, Irwan; Daud; Al-Munip; Nisak, Sayida Khoiratun; Fatimah, Siti
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.907

Abstract

This study examines the role of the Joint Savings and Loan Cooperative (KSP-UB) in Mendahara Subdistrict in promoting local economic development, particularly for micro and small business actors. Using a qualitative descriptive approach, the study describes how the cooperative provides accessible, affordable, and tailored financing to its members, thereby strengthening their business capacity and driving village economic growth. Beyond financing, the cooperative also acts as a facilitator for human resource development through training in financial management, digital marketing, and product innovation. KSP-UB supports member product marketing by expanding market access through both traditional and digital networks. The business networks formed among members enhance solidarity, production efficiency, and bargaining power in the market. The findings indicate that the cooperative is not only an alternative financial institution but also a strategic partner that empowers and strengthens the economic independence of the community in an inclusive and sustainable manner. These findings contribute significantly to understanding the role of cooperatives in microeconomic development in rural areas
Optimization of Coconut Plantations as a Source of Economic Empowerment for Santri in Islamic Boarding Schools Kaharuddin; Fatimah, Siti; Sarwono; sarmiati; Kartika Devi, Erwina; Wargo; Al-Munip
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.908

Abstract

This study examines the management of coconut plantations at Pondok Pesantren Wali Peetu in Desa Air Hitam Laut as an effort to strengthen the economic independence of the pesantren while serving as a holistic educational medium for santri (students). A qualitative research method employing a case study approach was used to explore the management processes, economic roles, and social impacts generated by the plantation. The findings indicate that the involvement of santri in all stages of coconut plantation activities not only produces significant income for the pesantren but also shapes the character, life skills, and leadership qualities of the santri in accordance with Islamic economic principles. This management model applies the “learning by doing” approach and context-based character education, integrating spiritual, technical, and social aspects. The coconut plantation management at the pesantren represents an important innovation that fills the gap in the traditional pesantren educational paradigm with a sustainable community-based economic empowerment approach. These findings are expected to serve as a reference for other pesantren seeking to optimize local resources for sustainability and santri empowerment

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