JOURNAL ISLAMIC ECONOMICS AD DIWAN

ANALISIS TINGKAT KESEJAHTERAAN PENGEMUDI MAXIM DI KOTA BANDAR LAMPUNG PERSPEKTIF MAQASHID SYARIAH

Irfan Aditia, Abizar, Ruslaini, Ulil Albab — Tue, 31 Mar 2026 00:00:00 +0000

This research aims to analyze the welfare level of Maxim drivers in Bandar Lampung City based on five dimensions of maqashid syariah: the preservation of religion (din), life (nafs), intellect ('aql), lineage (nasl), and wealth (mal). The research method employed is qualitative with a phenomenological approach. Data were obtained through in-depth interviews with 30 Maxim driver informants selected purposively. The research findings indicate that the profession as an online motorcycle taxi driver for Maxim has not yet comprehensively fulfilled the principles of maqashid syariah. The main obstacles were found in the aspect of life preservation (hifz al-nafs) regarding physical fatigue and psychological pressure, and wealth preservation (hifz al-mal) with the reality of fluctuating income that results in unmet basic needs. Nevertheless, forms of adaptation and differences in perception in facing existing challenges were also discovered. This research recommends policy interventions from companies and government to support overall driver welfare based on Islamic values

ANALISIS PEMBIAYAAN BTPN SYARIAH TERHADAP PENINGKATAN EKONOMI MASYARAKAT DI TANGGAMUS

Raden Ayu Salsabila, Noorikha Pandayahesti Saputeri, Warsiyah — Tue, 31 Mar 2026 00:00:00 +0000

This study aims to analyze the impact of BTPN Syariah financing on improving the local economy in Tanggamus Regency. The main issue examined is how Islamic financing contributes to local economic growth and community welfare. This research employs a qualitative method with data collection techniques including field observations, in-depth interviews, and documentation as supporting methods to complement the necessary data. The findings reveal that BTPN Syariah financing has a positive impact on the community's economy in Tanggamus. Several factors influence the effectiveness of the financing, including: a personal and non-bureaucratic approach that fosters comfort and trust among the community; a simple process with minimal requirements and fast processing time, which aligns well with the characteristics of rural communities; a comprehensive mentoring program that ensures the sustainability of customers' businesses; and the use of various types of Sharia contracts that provide flexibility according to customers' needs

ANALISIS PEMBIAYAAN MACET PADA BPRS MITRA AGRO USAHA

Rahma Aulia Nazwa, Noorikha Pandayahesti Saputri, Eki Tiyas Nurulia — Tue, 31 Mar 2026 00:00:00 +0000

Non-performing financing (NPF) is one of the main challenges faced by Islamic Rural Banks (BPRS), including BPRS Mitra Agro Usaha Lampung. This issue arises from various external and internal factors. External factors include economic conditions, government policies, and natural disasters, while internal factors involve suboptimal credit analysis and weak monitoring of customers. High levels of non-performing financing can disrupt the bank's financial stability and reduce customer trust in Islamic financial institutions. Therefore, effective handling strategies that align with Sharia principles are crucial. The purpose of this study is to analyze the factors causing non-performing financing, evaluate the handling mechanisms implemented by BPRS Mitra Agro Usaha Lampung, and assess their compliance with Sharia principles. This research uses a descriptive qualitative method with data collected through interviews, observations, and documentation. The results show that the handling strategies include issuing warning letters, conducting discussions (musyawarah) with customers, restructuring financing, sealing collateral, and auctioning collateral as a last resort. These strategies align with Sharia principles, emphasizing justice, transparency, and the prohibition of riba. However, the NPF rate at BPRS Mitra Agro Usaha Lampung remains relatively high, at 11%, indicating the need for improved risk analysis, regular monitoring, and the development of an early warning system to detect potential risks sooner

ANALISIS PEMBIYAAN SYARIAH TERHADAP PENINGKATAN PENJUALAN ELEKTRONIK DI ERAFONE BANDAR LAMPUNG

Odi Herdian, Noorikha Pandayahesti Saputeri, Warsiyah — Tue, 31 Mar 2026 00:00:00 +0000

The electronics industry in Indonesia has been growing rapidly along with the increasing use of digital devices by the public. However, high prices remain a major obstacle for consumers who wish to purchase products in cash. Islamic financing has emerged as an alternative financial system based on the principles of fairness, transparency, and interest-free transactions, making it an attractive option for Muslim consumers. This study aims to examine the influence of Islamic financing on the increase in electronic product sales at Erafone Bandar Lampung and its impact on consumers’ purchasing power. The research uses a descriptive qualitative method, with data collected through interviews, observations, and document studies at the Erafone Panjang Bandar Lampung branch. Data analysis was carried out systematically through the stages of data reduction, presentation, and conclusion drawing. The results show that Islamic financing contributes positively to the increase in electronic product sales, especially among consumers who prioritize transactions in accordance with Islamic principles. The main factors influencing customer interest include contract clarity (akad), price transparency, and ease of the application process. Challenges faced include a lack of consumer understanding, complicated administrative procedures, and competition with conventional financing. Marketing strategies using the marketing mix (Product, Price, Place, Promotion, People, Process, Physical Evidence) have proven effective in strengthening Erafone’s position in attracting Islamic financing consumers. This study recommends improving consumer education, employee training, and expanding cooperation with Islamic financial institutions to maximize the potential of Islamic financing in increasing electronic product sales

PENDIDIKAN KEWIRAUSAHAAN: KONSEP, KARAKTERISTIK, DAN IMPLIKASINYA TERHADAP KEMANDIRIAN GENERASI MUDA

Nadia Ayu Pradila, Rahmawati Alwi — Mon, 30 Mar 2026 00:00:00 +0000

This study discusses the importance of entrepreneurial education as a means to foster independence in the younger generation through formal education. Many believe that entrepreneurship requires innate talent, so not everyone can be involved. However, with limited job opportunities and high unemployment rates, entrepreneurial education becomes a solution to encourage young people to become entrepreneurs. The goal of this education is to build self-confidence, creativity, innovation, and the courage to take risks for individuals who do not possess a natural entrepreneurial spirit. This study explains the concepts, characteristics, and implications of entrepreneurial education in empowering the younger generation, with an emphasis on the role of educators in the process. The method used is a literature review from various academic sources

ANALISIS DESKRIPTIF KINERJA KEUANGAN BPRS BANDAR LAMPUNG BERDASARKAN INDIKATOR CASH RATIO, FDR, BOPO, ROA, NPF, DAN KPMM

Huda Pangestu, Eki Tiyas Nurulia, Noorikha Pandayahesti Saputeri — Tue, 31 Mar 2026 00:00:00 +0000

This study aims to analyze and describe the financial performance of the Islamic Rural Bank (BPRS) Bandar Lampung, based on six key financial ratios: Cash Ratio (CR), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), Return on Assets (ROA), Non-Performing Financing (NPF), and Minimum Capital Adequacy Requirement (KPMM). BPRS financial performance analysis is crucial for assessing the health, efficiency, and sustainability of Islamic bank operations, particularly during the post-pandemic transition period (2021–2024). This study uses a qualitative approach with a descriptive approach. The data used are secondary data in the form of the annual financial reports of PT. BPRS Bandar Lampung for the 2021–2024 period, as well as publications from the Financial Services Authority (OJK). The data analysis technique employed is qualitative descriptive analysis, encompassing data reduction, data presentation, and drawing conclusions based on comparisons of ratio values with OJK regulatory standards and Islamic banking theory. The results of this descriptive analysis are expected to provide a comprehensive overview of bank financial performance trends and serve as a basis for BPRS management in making strategic decisions to improve efficiency, financing quality, and capitalization