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All Journal An-Nawa : Jurnal Studi Islam APLIKATIF: Journal of Research Trends in Social Sciences and Humanities
Helmi, Lika Akana
Unknown Affiliation
Religion Arts Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Analisis Hukum Ekonomi Syariah Terhadap Produk Simpanan Di BMT Kota Payakumbuh Firdaus, Windra; Yanti, Novi; Helmi, Lika Akana; Syamsurizal, Syamsurizal; Wandi, Joni Indra
Indonesia Vol 6 No 2 (2024): An-Nawa: Jurnal Studi Islam
Publisher : Rumah Jurnal Institut Agama Islam An-Nawawi Purworejo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37758/annawa.v6i2.1217

Abstract

This study is motivated by the importance of compliance with Islamic economic law principles in savings products offered by Islamic financial institutions, such as Baitul Maal wa Tamwil (BMT). Previous research has largely focused on marketing aspects and the impact of savings products on financial institution revenue, but has not specifically addressed the implementation of wadi’ah and mudharabah contracts and the implications of unclear contracts on Sharia compliance. This study aims to analyze the application of Islamic economic law in savings products at BMT in Payakumbuh City, focusing on wadi’ah and mudharabah contracts. This research adopts a qualitative approach with a case study method. The study was conducted at BMT in Payakumbuh City from June to August 2024. Data sources consist of primary data obtained through in-depth interviews with BMT managers and customers, and secondary data in the form of contract documents used by BMT. Data collection techniques include interviews and document analysis, while data analysis uses qualitative descriptive methods with a non-statistical approach. To ensure data validity, member checking and source triangulation techniques were employed. The results indicate that the implementation of wadi’ah and mudharabah contracts in savings products at BMT in Payakumbuh City generally complies with Sharia principles, although there are some challenges related to contract clarity and communication with customers. This study is expected to contribute to the development of understanding of Islamic economic law and the practice of savings products at BMT, as well as increase public awareness in choosing Sharia-compliant financial products.
Exploring the Link between Financial Behavior, Financial Stress, and Online Loans among Urban Workers in Medan Marlina, Marlina; Wahyuni, Sri; Helmi, Lika Akana
APLIKATIF: Journal of Research Trends in Social Sciences and Humanities Vol. 4 No. 3 (2025): APLIKATIF: Journal of Research Trends in Social Sciences and Humanities
Publisher : Lembaga Junal dan Publikasi, Universitas Muhammadiyah Buton

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59110/aplikatif.v4i3.686

Abstract

The rise of online loans and PayLater services in Indonesia has raised concerns about financial vulnerability, especially among middle-income earners. This study aims to examine the relationship between financial behavior, financial stress, and the risk of being entangled in online lending. Using a quantitative approach, data were collected through a questionnaire distributed to 100 respondents, predominantly teachers aged 31–45 with bachelor’s degrees. The analysis reveals a significant inverse relationship between financial behavior and financial stress, as well as between financial behavior and susceptibility to online loans. Key indicators such as budgeting, saving habits, and financial control were found to influence outcomes. Despite their stable income and educational background, many respondents lacked essential financial practices such as recording income and expenses, creating budgets, and building emergency funds. This highlights a behavioral gap between financial knowledge and application. The findings emphasize the need for targeted financial literacy programs that promote not only knowledge but also behavioral change. Strengthening responsible financial habits is essential to improving financial resilience and reducing dependence on high-risk digital credit platforms.
Co-Authors Firdaus, Windra Marlina Marlina Novi Yanti Sri Wahyuni Syamsurizal - - Wandi, Joni Indra