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Fitra Rizal
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Jl. Nori No. 14A, Kelurahan Beduri, Kab. Ponorogo, Provinsi Jawa Timur
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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 198 Documents
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Economic Revitalization of Suka Maju Village through a Productive Waqf Model: Strategies and Implementation Al-Munawar, Rizky; Wargo; Fatimah, Siti; Daud; sarmiati
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.v4i2.909

Abstract

Economic empowerment of rural communities is a critical aspect of sustainable national development. Suka Maju Village possesses substantial local resource potential but faces various challenges in optimizing these resources, such as limited business capital, low financial literacy, and inadequate infrastructure. This study examines the economic empowerment strategies of the Suka Maju community through the implementation of productive waqf as an innovative and sustainable Islamic economic instrument. A qualitative case study approach was employed to explore the management practices of productive waqf and its impact on improving community welfare. The findings indicate that a participatory and transparent productive waqf management model can increase community income by 30–50%, while simultaneously strengthening social capital through mutual cooperation and community solidarity. The active role of community leaders in adaptive education and communication proved to be a key factor in the program’s success. This study concludes that professional and participatory governance of productive waqf not only supports the sustainability of economic empowerment programs but also provides a replicable framework for the development of other villages grounded in strong socio-religious values
Sharia Economics at the Micro Level: Application of Transaction Principles among Street Vendors Putri Dewi, Azizah; Wargo; Abidin, Zaenal
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.v4i2.912

Abstract

This study examines the implementation of Islamic economic principles in street vendors’ (PKL) transactions at Pasar Angso Duo, Jambi City, employing a qualitative approach through in-depth interviews, participatory observation, and document analysis. The findings reveal that the application of Sharia principles occurs in a partial and pragmatic manner, relying more on personal ethics, customer trust, and traditional market culture than on formal fiqh muamalah understanding. Principles such as price transparency, justice (‘adl), the prohibition of riba, and the avoidance of gharar are observed in practice, albeit without the use of formal Sharia terminology. The bargaining mechanism plays a pivotal role as a natural medium for realizing the principle of an-tarāḍin (mutual consent), while challenges such as limited formal understanding, economic pressures, and minimal institutional guidance act as inhibiting factors. This study contributes to the literature by demonstrating that the core values of Islamic economics can organically emerge within an informal sector that operates with minimal regulation. The implications underscore the need for culturally grounded and participatory strategies to strengthen Sharia-compliant economic practices, including contextualized education, accessible Islamic microfinance, and adaptive regulations attuned to the dynamics of traditional markets, to sustain the core values of Sharia while enhancing the welfare of street vendors
The Firewood-Fried Shrimp Crackers MSME: A Model for Sustainable Local Economic Empowerment Prameswari, Nanda; Pitri, Alisyah; Khoiratun Nisak, Sayida; Nisak Munamah, Anatun; Dewi , Hasna; Kartika Devi, Erwina; 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.v4i2.913

Abstract

This study aims to examine the role of the Firewood-Fried Shrimp Cracker Micro, Small, and Medium Enterprise (MSME) in Mendahara Ilir Village, East Tanjung Jabung Regency, in enhancing the income of coastal communities. Employing a qualitative approach with a descriptive method, data were collected through direct observation, in-depth interviews, and documentation, and were subsequently analyzed inductively using data reduction, data display, and conclusion-drawing techniques. The findings indicate that this MSME makes a significant contribution to the local economy by creating employment opportunities for low-educated workers, increasing household income, and improving quality of life in areas such as education, health, and housing. The enterprise’s main strengths lie in production skills inherited across generations and the use of traditional methods that preserve its distinctive flavor. Nonetheless, it faces challenges including limited capital, unstructured management, a shortage of skilled labor, and dependence on raw material supplies affected by weather and environmental conditions. Government support in the form of training, financial assistance, and marketing facilitation has helped expand market reach. The study concludes that, with strengthened managerial capacity, improved access to financing, and the development of adaptive marketing strategies, the Firewood-Fried Shrimp Cracker MSME has the potential to serve as a sustainable model of local wisdom-based economic development
Perceptions and Preferences of Traditional Market Traders toward Islamic Banking M. Fahrurrozi; Abidin, Zaenal; Sarwono; Khoiratun Nisak, Sayida; Dewi , Hasna; 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.v4i2.914

Abstract

This study explores the perceptions of traders at Pasar Sabtu, Mendahara Ilir, towards Islamic banking, focusing on factors influencing their acceptance and utilization of Sharia-compliant financial services. Employing a qualitative descriptive approach through interviews, observations, and document analysis, the research uncovers that while traders exhibit a positive inclination toward Islamic banking grounded in spiritual values and trust, their understanding of fundamental Sharia principles remains limited. Barriers such as restricted physical access to Islamic banking branches, inadequate financial and digital literacy, and reliance on informal information networks hinder broader adoption. The study highlights the critical role of spirituality as social capital, alongside geographic, educational, and socio-cultural factors, in shaping perceptions and behaviors. Findings suggest that for Islamic banking to expand inclusively within traditional markets, strategic emphasis must be placed on comprehensive literacy enhancement, improved accessibility, and community engagement. This research contributes novel insights by holistically integrating spiritual, educational, and socio-economic dimensions, providing a foundation for tailored educational and marketing strategies that support sustainable financial inclusion
Optimization of Digital-Based Marketing Strategies to Enhance Public Interest in Islamic Financial Products Nurhaliza, Elsa; Pitri, Alisyah; Fatimah, Siti; Nilfatri; Okva Marwendi, Reza; Khoiratun Nisak, Sayida
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.v4i2.915

Abstract

This study analyzes the marketing strategies employed by Koperasi Insan Madani Syariah to enhance public interest and trust in Sharia-based financial products in Geragai District, as well as the challenges faced in their implementation. Using a qualitative descriptive approach, data were collected through in-depth interviews, observations, and documentation involving cooperative management, members, and the target community. Findings reveal that the cooperative applies a Sharia-compliant marketing mix (4Ps) comprising halal and transparent products, direct community outreach through socio-religious approaches, and educational promotion grounded in religious values. These strategies effectively build trust and member loyalty. However, obstacles such as low Islamic financial literacy, competition from conventional institutions, limited human resources, and negative perceptions of cooperatives persist. The study highlights the novelty of integrating spiritual values, justice, and ukhuwah within marketing efforts, with education serving as a critical foundation for success. The research implies the necessity of inclusive financial education, improved risk management, and collaboration with religious institutions to sustainably enhance public trust and competitiveness of Sharia cooperatives in the evolving financial landscape
The Impact of Financial Literacy and Inclusion on MSME Performance in Talang Babat: An Empirical Approach to Driving Local Economic Growth Agung Prayoga, Dimas; Abidin, Zaenal; Yatima, Khusnul; Musthofa , M. Arif; 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.v4i2.916

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in Indonesia’s economy, yet their performance in regions like Talang Babat Subdistrict remains suboptimal due to low financial literacy and limited financial inclusion. This study investigates the individual and simultaneous effects of financial literacy and financial inclusion on MSME performance using a quantitative causal approach with multiple linear regression analysis. Data were collected from 89 MSME actors selected through cluster random sampling. The results demonstrate that both financial literacy and financial inclusion significantly and positively influence MSME performance, explaining 68.8% of its variance. The study highlights the synergistic impact of these variables, emphasizing the importance of integrating financial education with improved access to formal financial services. Findings also underscore the practical importance of separating personal and business finances and structured financial record-keeping in enhancing business sustainability. The study contributes to MSME literature by providing an integrative model and offers policy recommendations for local governments and financial institutions to support MSME development through holistic financial capacity building and inclusion strategies
A Socio-Economic Overview of Majeng Ikan Partnership: A Profit-Sharing Analysis within the Framework of Sharia Economic Law Seniati; Nilfatri; Wandi; Pitri, Alisyah; 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.v4i2.917

Abstract

The study purpose was to examine the implementation of profit-sharing systems in the traditional majeng ikan practice in Lambur Luar Village, Tanjung Jabung Timur, from the perspective of Islamic economic law. The research aimed to analyze how local profit-sharing mechanisms align with Sharia principles such as mudharabah, musyarakah, and ijarah, despite the absence of formal contracts. It also sought to identify challenges faced in contract clarity, transparency, and fairness within community-based economic cooperation. Ultimately, the study intends to propose Sharia-compliant solutions that strengthen the sustainability of traditional fishing economies through improved legal awareness and ethical practice. Results. The research found that majeng ikan profit-sharing reflects the core values of Islamic economics—justice, trust, and mutual consent—even though it relies on unwritten agreements. Profit-sharing typically follows a 50:50 ratio between net owners and fishermen, aligning with the mudharabah contract model. However, issues such as verbal-only agreements and limited understanding of Sharia contracts create vulnerabilities to disputes and exploitation. The study also observed adaptive features such as non-cash distribution and spontaneous mutual aid, which strengthen household resilience but require clearer ethical and legal safeguards.
The Role of Optimism, Innovativeness, Discomfort, and Insecurity in the Acceptance of Bank Jago’s Mobile Application: A TRI–TAM Approach Rehatta, Stanny Dewanty; Hardini, Inkreswari Retno; Berutu, Meta Bara
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.v4i2.921

Abstract

The development of digital banks in Indonesia, such as Bank Jago, has transformed the way people access financial services. The success of adopting these services is influenced not only by technology availability but also by users' psychological readiness. This study combines TRI and TAM to analyze how innovativeness, optimism, insecurity, and discomfort affect PEOU, PU, and ITU among Indonesia's digital generation. The research uses a quantitative survey and PLS-SEM analysis. Results indicate that optimism significantly boosts PEOU but does not significantly affect PU or ITU. Innovativeness significantly enhances PU and PEOU but does not influence ITU. Contrary to expectations, discomfort demonstrates a significant positive relationship with PU but has no notable impact on PEOU or ITU. Insecurity shows no significant effect on any variables. Moreover, PEOU significantly increases PU but negatively influences ITU, PU does not significantly impact ITU. These findings suggest that ease of use and PU are not always the main factors driving the intention to adopt technology, particularly among users familiar with digital tools. This research contributes to the literature on TRI and TAM integration and offers practical insights for digital financial service developers to consider psychological readiness when designing technology adoption strategies.
Analysis of Palm Sugar Business Development Strategy in Increasing Income in Bahorok District, Langkat Regency from the Perspective of Maqashid Syariah Baihaqi, M. Eza; Imsar, Imsar; Harahap, Muhammad Ikhsan
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.v4i2.925

Abstract

The primary objective of this study is to examine the income earned by the palm sugar business community group in Bahorok District, Langkat Regency, through the lens of Maqashid Sharia. This research adopts a qualitative approach, with data collected through direct interviews with palm sugar entrepreneurs in the region. A total of ten respondents were selected from two villages in Bahorok District. Data collection methods included observation, interviews, and documentation. The findings reveal that the palm sugar household industry in Bahorok District significantly contributes to improving the community’s economic conditions, as reflected in the income generated from sales. The production of palm sugar from processed palm sap plays a crucial role in increasing household income. Within the framework of Maqashid Sharia, production activities must prioritize the realization of benefits (maslahah) and the prevention of harm (mafsadah). The concept encompasses five key elements: the preservation of religion, life, lineage, intellect, and wealth. Based on the analysis, the most prominent aspect observed among palm sugar artisans in Bahorok District is the preservation of wealth (Hifdz al-Mal). This is evident from the way their income supports family health, education, food, and clothing needs, thereby ensuring their economic welfare. Moreover, the safeguarding of wealth is consistently aligned with income sources obtained through lawful means, in accordance with Islamic law, which is an absolute principle to be upheld.
The Paradox of Indonesia’s Tobacco Excise Policy: A Literature Review of Effectiveness, Inequality, and Socioeconomic Impacts Anshari, Khairullah; Subhan, Rizky; Noor, Riska Aulia; Fibriyanita, Fika
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.v4i2.927

Abstract

Indonesia’s tobacco excise policy has revealed a paradox between its normative objectives and the realities of its implementation. On one hand, the policy aims to reduce cigarette consumption and increase state revenue. On the other hand, successive excise tax hikes have triggered a rise in illicit cigarette circulation, undermined legal small-scale tobacco industries, and exacerbated socioeconomic inequality. This study employs a qualitative approach through literature review to examine the dynamics of tobacco excise policy using public policy theory, policy effectiveness, and socioeconomic disparity frameworks. The findings show that ineffective enforcement, weak distribution systems, and the absence of stakeholder inclusion have prevented the policy from achieving its intended outcomes. The sharp increase in excise taxes without sufficient oversight has created economic incentives for black-market activity, while also driving mass layoffs in small and medium-scale tobacco manufacturing. These outcomes confirm the theory of circular cumulative causation: policies that fail to integrate with social-economic realities tend to reinforce cycles of inequality and regulatory evasion. Therefore, a reformation of Indonesia’s tobacco excise policy is urgently needed—one that emphasizes fairness, effectiveness, and responsiveness through improved oversight, equitable fiscal distribution, and inclusive policymaking involving local communities and small businesses.

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