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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 254 Documents
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Islamic Financial Education as a Preventive Instrument in Mitigating Riba-Based Credit Transactions: An Empirical Study Darmawan Dwi Prasetyo; M Arif Musthofa; Wargo; Daud
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 1 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1579

Abstract

This study aims to examine the effect of literacy on community decision-making in engaging in credit-based buying and selling transactions containing elements of riba in Geragai District, Tanjung Jabung Timur. The research focuses on members of the local community as its primary subjects. A quantitative approach was employed using a simple random sampling technique, resulting in a total of 50 respondents. Data were analyzed using a t-test and simple linear regression with the assistance of Microsoft Excel. The findings reveal that literacy has a positive and statistically significant influence on community decisions to engage in credit transactions involving riba. This indicates that higher levels of literacy are associated with more informed and rational decision-making regarding such financial practices. The study highlights the importance of improving literacy particularly in the context of financial and Islamic perspectives to guide communities toward more appropriate economic behavior
The Impact of Digital Money on Lifestyle Patterns and Financial behavior among Residents of Dumai City Telaumbanua, Chandra Utama; Ayu, Adinda Agusti; Simanjuntak, Diah Geraldin; Suryani, Lili; Hildawati, Hildawati
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 1 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1583

Abstract

This study aims to analyze the impact of digital money use on shaping lifestyle patterns and financial behavior among the residents of Dumai City. Employing a descriptive quantitative approach, data were collected via questionnaires distributed to 77 respondents from diverse educational, occupational, and age backgrounds. The analysis was carried out within the Technology Acceptance Model (TAM) framework, which includes perceived usefulness, perceived ease of use, attitude, and behavioral intention. The results show that the majority of respondents agreed or strongly agreed that digital money offers benefits and convenience and that it influences attitudes and intentions toward its use. These findings confirm that digital money plays a significant role in shaping the lifestyles of Dumai residents, particularly by improving transaction efficiency and altering financial behavior. Nevertheless, the adoption of digital money also requires financial awareness to avoid encouraging excessive consumerist behavior. This study is expected to provide both theoretical and practical contributions to understanding the role of digital money in shaping lifestyle patterns and financial behavior in society during the digital era.
The Effectiveness of Cooperatives as an Instrument for Price Control and Farmers' Welfare in the Staple Food Sector Pini Susanti
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 1 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1590

Abstract

This study aims to analyze the effectiveness of cooperatives as instruments for price control and the enhancement of farmers' welfare within the staple food sector, which has historically been dominated by exploitative informal trading systems. Employing a qualitative case study design with a vertical integration approach, this research explores the contestation between food cooperatives and middlemen networks in regions characterized by high farmer dependency. Data were gathered through in-depth interviews, participant observation, and documentary research, and subsequently analyzed using the Value Chain Analysis (VCA) framework. The findings demonstrate that cooperatives engaging in vertical integration (such as owning independent milling units) successfully streamlined the distribution chain from five layers to two. This reduction increased the farmer’s share by 10–15% and net farmer income by 20–25%. Qualitative insights reveal that cooperatives function as price stabilizers, exerting a psychological market effect on middlemen through a counter-financing schema (yarnen / credit-tied harvest system). The novelty of this study lies in its repositioning of cooperatives not merely as administrative entities, but as aggressive economic actors capable of deconstructing the sociological relations of indebtedness between farmers and middlemen. The study concludes that food sovereignty requires strengthening the liquidity capacity of cooperatives and transforming member culture to dismantle structural rural poverty
The Paradox of Economic Growth: How Unequal Income Distribution Triggers Social Vulnerability Sarmiati
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 1 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1591

Abstract

This study aims to analyze the phenomenon of the "Economic Growth Paradox," wherein impressive Gross Domestic Product (GDP) growth concurrently coexists with a widening disparity in income distribution that triggers social vulnerability. Utilizing a qualitative approach with a descriptive-analytical design, this research conducts an in-depth exploration of non-numerical social realities through a systematic library research and content analysis of various policy documents and strategic reports from multilateral institutions. The findings identify a state of "systemic fragility" operating through three main transmission channels: (1) social psychology, through the erosion of social cohesion and spatial segregation; (2) behavioral economics, in the form of increased crime rates as an adaptation to relative deprivation in the digital era; and (3) political legitimacy, which fuels the rise of populism due to public distrust in state institutions. The novelty of this study lies in the integration of digital lifestyle pressure variables to explain the dynamics of contemporary social vulnerability. This study concludes that national stability no longer depends solely on the quantity of economic growth, but rather on the quality of inclusiveness in economic access distribution, which is capable of reweaving the torn social capital

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