E-Jurnal UIN (Universitas Islam Negeri) Alauddin Makassar
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The Effect Of Digital Wallets, Lifestyle And Financial Literacy On Students' Consumer Behavior In Surakarta
Get PDFThe purpose of this research is to analyze the influence of digital wallets, lifestyle, and financial literacy on consumer behavior in Surakarta. The development of modern financial technology has made non-cash transactions easier but may also influence consumer behavior, especially among students. This study employs a quantitative approach, with data collected via questionnaires distributed to 105 students at universities in Surakarta, selected using probability sampling. Data were analyzed using multiple linear regression in IBM SPSS. The study’s results show that lifestyle has a positive and significant effect on consumer behavior, financial literacy has a negative and significant effect, and digital wallets have no significant effect. Simultaneously, digital wallets, lifestyle, and financial literacy significantly affect consumer behavior. This study shows that lifestyle and financial literacy are important factors in suppressing consumer behavior among students
Peran Literasi Keuangan Syari’ah Dalam Pengelolaan Keuangan Pada Guru Muslimeen Suksa School Thailand
Get PDFThis study aims to examine the role of Sharia financial literacy in financial management among teachers at Muslimeen Suksa School in Thailand, in accordance with Sharia principles. The research method used in this study is descriptive qualitative with data collection techniques in the form of interviews (in-depth interviews), participant observation, and documentation. Data analysis techniques employed included data reduction, data presentation, and drawing conclusions. The data collection technique used to select informants was purposive sampling, which involves deliberately selecting subjects based on specific criteria relevant to the research objectives. The results indicate that financial literacy and personal financial management among teachers at Muslimeen Suksa School in Thailand are in accordance with Sharia principles. The teachers strive to apply Sharia financial literacy in their daily financial management, despite significant challenges, including the limited availability of Sharia-compliant financial products in Thailand and the reliance on a conventional interest-based banking system. As part of personal financial management, knowledge of Sharia finance is useful for financial decision-making, investment planning, and the management of zakat and sadaqah (alms). The study suggests that increasing knowledge of Islamic finance is crucial to improving the financial well-being of Muslim teachers in a Muslim-minority country, namely Thailand.Penelitian ini bertujuan untuk mengkaji Peran Literasi Keuangan Syari’ah dalam Pengelolaan Keuangan pada Guru Muslimeen Suksa School Thailand sesuai dengan prinsip syari’ah. Metode penelitian yang digunakan penelitian ini adalah kualitatif deskriptif dengan teknik pengumpulan data berupa Wawancara (In-Depth Interview), Observasi Partisipatif, dan Dokumentasi. Teknik analisis data yang diterapkan meliputi: reduksi data, penyajian data, dan penarikan kesimpulan. Teknik pengumpulan data yang digunakan untuk memilih informan adalah purposive sampling, yaitu pemilihan subjek secara sengaja berdasarkan kriteria tertentu yang relevan dengan tujuan penelitian.
Hasil penelitian menunjukkan bahwa literasi keuangan dan pengelolaan keuangan pribadi pada guru Muslimeen Suksa School Thailand sesuai dengan prinsip syari’ah. Dimana para guru berusaha keras untuk menerapkan literasi keuangan syari’ah dalam pengelolaan keuangannya di kehidupan sehari hari, meskipun ada masalah besar seperti produk keuangan syari’ah yang terbatas di Thailand dan penggunaan sistem perbankan konvensional yang berbasis bunga. Sebagai bagian dari manajemen keuangan pribadi. Pengetahuan tentang keuangan syari’ah sangat membantu dalam pengambilan keputusan keuangan, perencanaan investasi, dan pengelolaan zakat dan sedekah. Penelitian menunjukkan bahwa meningkatkan pengetahuan tentang keuangan syari’ah sangat penting untuk meningkatkan kesejahteraan finansial Guru Muslim di Negara Minoritas Muslim yaitu Thailand
REPRESENTASI HADIS HADIS HADIS DEMONSTRASI DI AKUN TIKTOK
No full textThis study examines the representation of hadiths about demonstrations on social media, particularly TikTok, which has become a new platform for the dissemination of religious discourse. Hadiths about demonstrations are generally understood as admonitions emphasizing obedience to those in authority and prohibiting rebellion, and are therefore often used to oppose demonstrations. However, on TikTok, these hadiths are presented in short videos with persuasive text, narrative, and visuals without contextual explanation, potentially leading to a narrowing of their meaning. The purpose of this study is to describe the form of hadith messages about demonstrations displayed in TikTok content and to analyze netizens' responses to them. The method used is qualitative content analysis, utilizing primary data in the form of TikTok videos about hadiths about demonstrations and secondary data from hadith literature and previous research. The results show that the representation of hadiths on social media is not only normative but can also be used as political legitimacy that influences public understanding.Penelitian ini mengkaji representasi hadis-hadis tentang demonstrasi di media sosial, khususnya TikTok, yang menjadi ruang baru dalam penyebaran wacana keagamaan. Hadis mengenai demonstrasi umumnya dipahami sebagai nasihat yang menekankan ketaatan kepada ulil amri dan larangan memberontak, sehingga sering digunakan untuk menolak aksi demonstrasi. Namun, di TikTok hadis tersebut ditampilkan dalam video singkat dengan teks, narasi, dan visual persuasif tanpa penjelasan kontekstual, sehingga berpotensi menimbulkan penyempitan makna. Tujuan penelitian ini adalah mendeskripsikan bentuk pesan hadis tentang demonstrasi yang ditampilkan dalam konten TikTok serta menganalisis tanggapan netizen terhadapnya. Metode yang digunakan adalah kualitatif dengan Teori Stuart Hall, menggunakan data primer berupa video TikTok bertema hadis demonstrasi dan data sekunder dari literatur hadis serta penelitian terdahulu. Hasil penelitian menunjukkan bahwa representasi hadis di media sosial tidak hanya bernilai normatif, tetapi juga dapat digunakan sebagai legitimasi politik yang memengaruhi pemahaman masyarakat
ANALISIS TINGKAT LITERASI HALAL MAHASISWA MUSLIM UNIVERSITAS JAMBI TENTANG MAKANAN DAN MINUMAN HALAL
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Penelitian ini bertujuan untuk menganalisis tingkat literasi halal mahasiswa Muslim Universitas Jambi mengenai makanan dan minuman halal serta mengidentifikasi upaya yang dapat dilakukan untuk meningkatkan literasi tersebut. Literasi halal dalam penelitian ini mencakup tiga aspek utama, yaitu sikap, pengetahuan, dan perilaku, yang kemudian dikaitkan dengan lima kriteria Sistem Jaminan Produk Halal (SJPH) : komitmen dan tanggung jawab, bahan, proses produk halal (PPH), produk, serta pemantauan dan evaluasi. Penelitian ini menggunakan metode kuantitatif deskriptif dengan teknik pengumpulan data melalui penyebaran kuesioner berbentuk tes yang diberikan kepada mahasiswa Muslim Universitas Jambi. Sampel penelitian berjumlah 100 responden, dan data dianalisis menggunakan statistik deskriptif untuk menentukan kategori tingkat literasi halal berdasarkan lima kriteria SJPH. Hasil penelitian menunjukkan bahwa tingkat literasi halal mahasiswa Muslim Universitas Jambi secara umum berada pada kategori well literate (sangat paham). Aspek sikap mahasiswa menunjukkan hasil yang sangat positif dan sesuai dengan kriteria komitmen dan tanggung jawab. Aspek pengetahuan yang mencakup kriteria bahan dan produk halal juga berada pada kategori sangat baik. Namun, pada aspek perilaku ditemukan inkonsistensi, terutama pada kriteria pemantauan dan evaluasi, yang menunjukkan kategori sufficient literate (cukup paham). Hal ini menunjukkan bahwa meskipun mahasiswa memahami konsep halal, penerapan perilaku yang konsisten dalam memilih produk halal masih belum optimal. Penelitian ini juga menemukan bahwa upaya peningkatan literasi halal dapat dilakukan melalui tiga strategi utama, yaitu pelatihan dan seminar, pemanfaatan media sosial, serta penguatan lingkungan sosial. Ketiga upaya ini berperan penting dalam memperkuat aspek sikap, pengetahuan, dan perilaku mahasiswa agar lebih memahami serta menerapkan prinsip kehalalan dalam kehidupan sehari-hari.
Kata Kunci: Literasi Halal, Makanan dan Minuman Halal, Mahasiswa Muslim, Sistem Jaminan Produk Halal (SJPH).
Abstract
This study aims to analyze the halal literacy level of Muslim students at Jambi University regarding halal food and beverages, as well as to identify efforts that can be undertaken to improve their halal literacy. Halal literacy in this research includes three main aspects—attitudes, knowledge, and behavior—which are further linked to the five criteria of the Halal Product Assurance System (SJPH) : commitment and responsibility, materials, halal production process (PPH), halal products, and monitoring and evaluation. This research employs a quantitative descriptive method, with data collected through a test-based questionnaire distributed to Muslim students at Jambi University. The sample consisted of 100 respondents, and the data were analyzed using descriptive statistics to categorize the halal literacy level based on the five SJPH criteria. The findings indicate that the overall halal literacy level of Muslim students at Jambi University falls into the well-literate (highly knowledgeable) category. The attitude aspect shows a very positive result, aligning with the commitment and responsibility criterion. The knowledge aspect related to materials and halal products also demonstrates a strong level of understanding. However, inconsistencies were found in the behavioral aspect, particularly regarding the monitoring and evaluation criterion, which falls into the sufficient-literate category. This suggests that although students possess adequate knowledge about halal concepts, their actual behavior in consistently selecting halal products is not fully aligned. The study also identifies three strategic efforts to enhance halal literacy : training and seminars, social media utilization, and strengthening the social environment. These approaches play an essential role in reinforcing students’ attitudes, knowledge, and behavior, enabling them to better understand and apply halal principles in daily consumption.
Keywords: Halal Literacy, Halal Food and Beverages, Muslim Students, Halal Product Assurance System (SJPH)
ANALISIS RESPONS PELAKU USAHA MAKANAN DAN MINUMAN TERHADAP KEWAJIBAN SERTIFIKASI HALAL DI KAWASAN SEBERANG KOTA JAMBI
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Penelitian ini bertujuan untuk menganalisis respons pelaku usaha makanan dan minuman terhadap kewajiban sertifikasi halal di Kawasan Seberang Kota Jambi dalam perspektif teori maslahah. Latar belakang penelitian ini didasari oleh kebutuhan akan perlindungan konsumen Muslim serta pentingnya legalitas halal sebagai instrumen peningkatan kepercayaan dan daya saing usaha. Penelitian menggunakan metode kualitatif dengan pendekatan fenomenologi. Teknik pengambilan sampel dilakukan secara purposive sampling terhadap 22 pelaku usaha, terdiri dari 8 pelaku usaha yang telah memiliki sertifikat halal dan 14 pelaku usaha yang belum bersertifikat. Data dikumpulkan melalui wawancara mendalam menggunakan teori respons Steven M. Caffe yang mencakup respons kognitif, afektif, dan konatif. Hasil penelitian menunjukkan bahwa pelaku usaha yang telah memiliki sertifikat halal memiliki pemahaman yang lebih komprehensif mengenai prosedur dan manfaat sertifikasi (kognitif), menunjukkan sikap positif berupa rasa tenang dan percaya diri (afektif), serta memiliki komitmen kuat untuk mempertahankan standar halal dalam proses produksi (konatif). Sementara itu, pelaku usaha yang belum memiliki sertifikat halal umumnya memiliki pengetahuan yang terbatas, sikap ambivalen, serta kecenderungan belum mengambil tindakan nyata karena kendala informasi, waktu, dan anggapan bahwa usaha mereka masih berskala kecil. Analisis berbasis teori maslahah menunjukkan bahwa sertifikasi halal memberikan kemanfaatan yang luas, meliputi perlindungan konsumen, peningkatan kredibilitas usaha, perluasan akses pasar, serta terciptanya keberkahan dalam aktivitas ekonomi. Dengan demikian, sertifikasi halal tidak hanya merupakan kewajiban administratif, tetapi juga sarana menghadirkan kemaslahatan (jalb al-maslahah) dan mencegah mudarat (dar’ al-mafsadah) bagi pelaku usaha maupun konsumen.
Kata Kunci: Fenomenologi, Industri Halal, Maslahah, Respons Pelaku Usaha, Sertifikasi Halal.
Abstract
This study aims to analyze the responses of food and beverage business owners toward the mandatory halal certification policy in the Seberang Kota Jambi area through the perspective of the maslahah theory. The background of this research is rooted in the need to protect Muslim consumers and the importance of halal certification as an instrument for enhancing business credibility and competitiveness. This research employs a qualitative method with a phenomenological approach. A purposive sampling technique was used to select 22 business owners, consisting of 8 who already possess halal certification and 14 who do not. Data were collected through in-depth interviews and analyzed using Steven M. Caffe’s response theory, which includes cognitive, affective, and conative components. The findings show that business owners with halal certification have a more comprehensive understanding of procedures and benefits (cognitive), display positive attitudes such as reassurance and confidence (affective), and demonstrate strong commitment to maintaining halal standards in production (conative). Meanwhile, business owners without halal certification generally have limited knowledge, ambivalent attitudes, and have not taken concrete actions due to constraints involving information, time, and perceptions that certification is unnecessary for small-scale businesses. Through the lens of the maslahah theory, halal certification provides broad benefits, including consumer protection, enhancement of business legitimacy, expansion of market access, and the attainment of blessing (barakah) in economic activities. Thus, halal certification is not merely an administrative requirement but also a means to achieve public benefit (jalb al-maslahah) and prevent harm (dar’ al-mafsadah) for both business owners and consumers.
Keywords: Phenomenology, Halal Industry, Maslahah, Business Actors’ Response, Halal Certification
Improving Adolescents’ Knowledge of Stunting through Health Education Interventions
No full textStunting is a manifestation of chronic undernutrition that occurs during critical periods of growth and development, beginning in early life. Adolescents play an important role in stunting prevention, as they represent future parents whose knowledge and awareness can influence child health outcomes. This study aimed to improve adolescents’ knowledge regarding stunting, its causes, and preventive measures as an early strategy to reduce stunting prevalence. A quantitative study design was employed using a pre-test and post-test approach. Health education sessions were delivered to adolescents in Tanetea Hamlet and Lembang Loe Hamlet, with knowledge levels measured before and after the intervention using the same questionnaire. The results demonstrated a statistically significant improvement in adolescents’ knowledge after the intervention (p = 0.016; p < 0.05), indicating a meaningful difference between pre- and post-education scores. These findings suggest that health education interventions are effective in increasing adolescents’ understanding of stunting. It is recommended that structured training programs on stunting prevention be continuously provided for adolescents. Additionally, strengthening adolescents’ communication skills may enable them to disseminate stunting-related information to peers, families, and the wider community, while regular evaluations should be conducted to assess knowledge improvement and behavioral change outcomes
Leaflet-Based Health Education and Its Effect on Adolescent Mental Health Empowerment
No full textAdolescent mental health is a growing public health concern, particularly in school environments where students experience significant academic and social pressures. Limited mental health literacy among adolescents may increase vulnerability to stress, anxiety, and emotional problems, which can adversely affect learning achievement and psychological well-being. This study presents a community-based empowerment approach by utilizing leaflet media as an educational intervention to improve mental health literacy among adolescents. The objective of this study was to analyze the mental health situation of adolescents and to evaluate the effectiveness of leaflet-based mental health education as a community empowerment strategy at SMP Negeri 1 Tapalang. A quasi-experimental method with a one-group pre-test and post-test design was applied. The participants consisted of 30 junior high school students. The intervention involved structured mental health education delivered through leaflet media. Data were collected using a validated knowledge questionnaire and analyzed using statistical software, including the Shapiro–Wilk test for normality and the paired sample t-test for comparison. The findings revealed a significant improvement in students’ mental health knowledge following the intervention. The mean pre-test score increased from 56.40 to 78.90 in the post-test, with a statistically significant result (p < 0.05). These results indicate that leaflet-based education is an effective and practical medium for enhancing adolescent mental health literacy and supporting community empowerment initiatives within the school setting
PERAN BPK DALAM PENGAWASAN PREVENTIF TERHADAP DANA KOPERASI MERAH PUTIH BERDASARKAN INPRES NOMOR 9 TAHUN 2025
No full textResearch Objective: This article examines the accountability paradox of using public funds to finance community-based cooperatives in Indonesia. It focuses on the role and limitations of supreme audit institutions (SAIs), particularly the Audit Board of the Republic of Indonesia (BPK), in overseeing the Koperasi Merah Putih programme, as established by Presidential Instruction No. 9 of 2025. Research Method: The study uses a normative juridical approach, relying on constitutional analysis, legal interpretation, and comparative institutional analysis. It reviews Indonesia’s legal framework and compares it with similar programmes in India, the Philippines, Kenya, and Brazil. Results: The study finds BPK has clear constitutional authority under Article 23E of the 1945 Constitution and Law No. 15 of 2006 to audit state-funded cooperatives. However, this authority is weakened by the non-regulatory nature of presidential instructions and the lack of detailed technical accountability rules. Four main structural problems emerge: limited audit access to non-governmental entities, insufficient audit capacity compared to programme size, fragmented digital financial reporting, and independence pressures arising from high-profile political programmes. Findings and Implications: The accountability paradox shows a mismatch between public financial management systems and the decentralized nature of cooperatives. This challenge is not unique to Indonesia but is shared by SAIs across the Global South. Conclusion: Solving the accountability paradox requires reforms beyond BPK’s capacity, including new technical regulations, stronger inter-agency supervision, and integration of e-audit systems for cooperative financial reporting. Contribution: The article introduces the accountability paradox as a framework for SAI governance challenges in state-directed cooperative funding, and proposes a legally grounded reform agenda relevant to similar programmes globally. Limitations and Suggestions: As a normative study, it does not include field data. Future research should add qualitative fieldwork on BPK audit practices and village-level cooperative financial management to test and expand the proposed framework.Presiden Indonesia H. Prabowo Subianto Djojohadikusumo pada februari 2025 kemarin menerbitkan instruksi presiden nomor 9 tahun 2025 yang mengamanatkan percepatan pembentukan koperasi desa merah putih sebanyak 80.000 koperasi. Hal ini di Dasari oleh kehendak dan pertimbangan presiden untuk mendorong perekonomian dari Tingkat desa. beberapa daerah sudah mulai melaksanakan inpres tersebut. Pembiayaan koperasi desa merah putih ini bersumber dari APBN, APBD dan sumber lain sehingga untuk memastikan pelaksanaan program ini berjalan dengan baik maka diperlukan pengawasan preventif oleh BPK sebagai Lembaga yang berwenang. Penelitian ini membahas mengenai peran Badan Pemeriksa Keuangan (BPK) dalam pengawasan secara preventif terhadap dana Koperasi desa Merah Putih berdasarkan Instruksi Presiden Nomor 9 Tahun 2025 tentang Percepatan Pembentukan Koperasi Desa/Kelurahan Merah Putih. Melalui pendekatan yuridis normatif, penelitian ini menganalisis bagaimana peran BPK dalam menjamin akuntabilitas, efisiensi, dan transparansi dalam pengelolaan dana publik oleh koperasi desa melalui pengawasan preventif. Temuan menunjukkan bahwa keterbatasan regulasi, akses data, dan SDM menjadi tantangan utama dalam pengawasan. Namun, digitalisasi audit, sinergi antar lembaga, dan perumusan regulasi teknis dapat menjadi solusi optimalisasi fungsi BPK. Pengawasan secara preventif yang kuat oleh BPK sangat penting agar program koperasi benar-benar bermanfaat bagi pembangunan ekonomi desa dan tidak disalahgunakan.
 
Digital Digital Gold Pricing M echanisms in DANA within Maqasid al-Sharī‘ah and Consumer Protection Framework: A Normative Legal Analysis
No full textThe rapid growth of application-based digital gold services has expanded public access to gold investment but also raised legal concerns over pricing transparency. Previous research largely examines the legality of digital gold trading and price fluctuations, yet pays little attention to physical gold minting costs that are revealed only at later transaction stages, despite their direct impact on consumers’ interests. This study analyzes DANA’s digital gold pricing through an integrated lens of Maqāṣid al-Sharī‘ah and Indonesian consumer protection law using normative legal methods based on statutory analysis, academic literature, and DANA’s official user terms. Findings show that delayed disclosure of minting costs creates information asymmetry and potential economic harm to consumers. From a Maqāṣid al-Sharī‘ah perspective, such opacity may constitute gharar and weaken contractual clarity. The study highlights the need for transparent, upfront cost disclosure as an integral part of fair digital gold pricing. Strengthening transparency mechanisms will not only uphold Sharī‘ah compliance and consumer rights but also guide policymakers in enhancing fintech regulation for equitable market practices
The Position of a Marriage Agreement in Providing Legal Protection Against the Impact of Infidelity
No full textThis study aims to analyze the position and function of prenuptial agreements in the Indonesian marital law system and their role in providing legal protection to parties harmed by infidelity. Infidelity is one of the main causes of marital breakdown that not only generates moral and psychological consequences but also produces legal and economic implications, particularly regarding the division of joint property and the fulfillment of post-divorce rights. This research employs a normative legal method using statutory and conceptual approaches supported by primary, secondary, and tertiary legal materials obtained through literature review. The findings show that prenuptial agreements function as a special legal instrument (lex specialis) that allows spouses to regulate deviations from the joint property regime as long as such arrangements do not contradict statutory law, religious values, and public morality. The legal development following Constitutional Court Decision Number 69/PUU-XIII/2015 expands the timeframe for making marriage agreements so that they may be concluded before or during the marriage. This development strengthens the function of prenuptial agreements as a preventive and repressive mechanism of legal protection against potential marital disputes, including those caused by infidelity. However, the scope of such agreements is legally limited because private parties cannot stipulate criminal sanctions for adultery, as criminal liability may only be determined by statutory law. Nevertheless, prenuptial agreements may regulate various civil consequences, including provisions concerning the division of property, maintenance obligations, compensation, and the protection of the rights of wives and children in the event of divorce due to infidelity. Therefore, a marriage agreement serves not only as an instrument for managing marital assets but also as a legal protection mechanism that anticipates the civil consequences of infidelity within the Indonesian marital law framework