https://jurnal.uin-antasari.ac.id/index.php/acieb/issue/feed Antasari Conference on Islamic Economics and Business (ACIEB) 2025-11-21T06:18:21+00:00 Open Journal Systems https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18785 The Role of Bank Indonesia through The Export Champion Programme in Encouraging MSMEs to Go Global 2025-11-21T05:43:00+00:00 Rizaldi Noor [email protected] Muhammad Ihsan [email protected] Hafidzunnisa [email protected] Tasya [email protected] <p><em>MSMEs in Indonesia have great potential in international trade, but they are still weak in terms of product quality, market access, and global competitiveness. To that end, Bank Indonesia (BI) launched the Juara Ekspor programme as a forum for coaching MSMEs in export. This paper discusses the programme profile, coaching mechanisms, as well as the strengths, weaknesses, opportunities, and challenges faced. The purpose of this paper is to assess BI's contribution in strengthening MSMEs so that they are able to penetrate export markets. The benefit of this paper is to provide a practical overview for business actors, policy makers, and academics on the importance of sustainable export strategies. With the Export Champion programme, MSMEs are expected to not only be able to improve product quality and business capacity, but also expand their global market network. This programme is an important step in encouraging MSMEs to transform into resilient businesses at the international level. </em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18760 The Role of Bank Indonesia in Strengthening the Halal Product Ecosystem Through the Ikra Program 2025-11-21T02:20:05+00:00 Abdul Ghani [email protected] Izzatun Niswah [email protected] Zahratun Jannah [email protected] Rizka Fajriah Rahmah [email protected] <p><em><span style="font-weight: 400;">The halal creative industry has emerged as one of the leading sectors with strong potential to drive the growth of the national Islamic economy. However, creative entrepreneurs continue to face challenges in product development, marketing, and access to financing. In response, Bank Indonesia (BI) launched the Industri Kreatif Syariah Indonesia (IKRA) Program as a form of structured assistance. This paper explores the profile of the IKRA initiative, its mentoring processes for business actors, and the Program's strengths, weaknesses, opportunities, and challenges. The objective is to evaluate BI's contribution in strengthening the halal creative industry ecosystem. The study aims to provide insights for industry players, policymakers, and academics to optimise the potential of the halal creative sector. Through the IKRA Program, it is expected that a creative industry will emerge that is not only innovative and competitive but also adheres to Islamic principles—thereby reinforcing Indonesia’s position within the global creative economy.</span></em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18782 The Influence of Open Unemployment Rate, Inequality And Economic Growth On Poverty In Tanah Laut Regency 2013-2023 2025-11-21T05:19:49+00:00 Suci Norsaleha [email protected] Lola Malihah [email protected] Rusdiana [email protected] <p><em>The research observes the influence of open unemployment rate, inequality, as well as economic growth on poverty in Tanah Laut Regency throughout 2013-2023. Poverty has become a primary focus in regional develpopment despite efforts to enhance economic growth. This study applies a quantitative method through panel data regression analysis utilizing the Common Effect Model. The findings suggest that individually, inequality plays a significant effect. However, when considered collectively, these three variables have a significant impact on poverty with an F-statistic value of 6.006733 &gt; the F-table value of 2.6697. The coefficient of determination, 34.12%, indicates that these three independent variables can explain the variation in poverty levels.</em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18778 Economy Reimagined: Development through Sustainability and Inclusion 2025-11-21T01:38:02+00:00 Noranita Kasih [email protected] <p><em><span style="font-weight: 400;">In recent years, as the climate crisis has become major topic in global discourses, green economy emerged as a revolutionary approach for balancing economic transformation with environmental responsibility. Although worldwide awareness of this idea has accelerated, recent discussions on green economy framework often overlooks the role of women and girls empowerment (Sustainable Development Goal 5) in enabling long-term resilience. The purpose of this paper is to explore the role of gender-equal development strategies in enhancing perserverance and innovation in environmentally conscious economic growth. Through integrative, literature-based analysis across relevant fields, this study highlights the connection between innovation and resilience within the green economy and the principles of sustainable development, particularly those promoting women’s and girls’ empowerment. In many Muslim-majority contexts, interpretations of Islamic teachings have historically constrained women’s participation in economic spheres. This paper argues that reinterpreting gender equality through an Islamic feminist lens can strengthen women’s contribution to the green economy by expanding access, participation, and leadership in sustainable sectors. It identifies three key mechanisms: ethical reinterpretation of Islamic teachings, recognizing women’s agency through economic empowerment, as well as resilient transformation through gender-inclusive development aligned with SDG 5 and green economy principles.</span></em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18776 The Role of Bank Indonesia in Strengthening the Halal Product Ecosystem Through the HEBITREN Program 2025-11-21T01:26:14+00:00 Mukminah [email protected] Hikmatun Nida [email protected] Muhammad Ihsan [email protected] Muhammad Rizky [email protected] <p><em><span style="font-weight: 400;">The growth of Indonesia’s halal industry requires a strong supporting ecosystem to compete globally. Bank Indonesia (BI), through the Pesantren Business Economy Association (Hebitren), promotes pesantrens as centres for halal economic development. This article outlines Hebitren’s profile, the process of ecosystem strengthening, and the program’s strengths, weaknesses, opportunities, and challenges. It explains BI’s role in advancing the halal sector through pesantren involvement and offers practical insights into pesantren contributions as halal economic agents. The findings provide reference points for policymakers, academics, and industry actors in formulating national halal development strategies. Ultimately, Hebitren is expected to enhance pesantren economic independence, expand halal market access, and reinforce Indonesia’s position in the global halal industry.</span></em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18773 Implementation of Islamic Marketing Ethics by Handicraft Traders at The Cahaya Bumi Selamat Market in Banjar Regency 2025-11-20T05:59:01+00:00 Muh. Arief Budiman [email protected] <p><em><span style="font-weight: 400;">This study aims to examine the implementation of Islamic marketing ethics by handicraft traders at Cahaya Bumi Selamat Market, Banjar Regency. The background of this study is based on the importance of applying Islamic values in economic activities, particularly in the context of traditional markets, which are often overlooked in contemporary Islamic economic studies. This study uses a descriptive qualitative approach with in-depth interview techniques with a number of traders as key informants. The results show that religious motivation is the main factor that drives traders to implement ethical principles such as honesty, responsibility, transparency, maintaining product quality, and prioritising customer satisfaction. These values are implemented not only for worldly gain, but also as a form of worship and a means of achieving blessings (barakah) in life. Although most traders do not understand the concept of Islamic marketing theoretically, they have applied it in practice through spiritual awareness and social norms that have grown within the market community. These findings make an important contribution to the development of the discourse on Islamic economics, particularly in proving that Islamic ethics can be implemented in practice in local microeconomic activities. This research also encourages the need for a spiritually-based empowerment approach in building an ethical and sustainable economic ecosystem.</span></em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18771 Analysis of the Supply Chain and Added Value of Brown Sugar by Artisans in Hulu Sungai Tengah Regency 2025-11-20T05:36:23+00:00 M. Fahmi Nurani [email protected] Ibnu Arabi [email protected] Ahdie Anwary [email protected] <p><em><span style="font-weight: 400;">This study aims to analyze the brown sugar supply chain among artisans in Hulu Sungai Tengah (HST) Regency, focusing on the relationships between producers, distributors, and marketers. This study applied a qualitative descriptive approach, with data collected from in-depth interviews with brown sugar artisans in Barabai and Pandawan subdistricts, as well as field observations conducted in previous studies. Data analysis was carried out through the stages of reduction, data presentation, and conclusion drawing to describe the patterns of raw material, product, and information flows in the brown sugar supply chain system. The results show that the brown sugar supply chain structure in Hulu Sungai Tengah Regency consists of four main actors, namely palm sap farmers, brown sugar artisans, collectors, and market traders. The relationship between actors is still informal and depends on trust, without an institutional system or standard price contracts. Artisans play an important role in the value-added process because they process raw sap into marketable products through stages that are time-consuming and require labor and skill. However, limitations in raw palm sap, dependence on collectors, and a lack of production facilities mean that supply chain efficiency is still suboptimal. These findings emphasize the importance of integration between actors in the brown sugar supply chain system in order to strengthen the position of producers, increase the stability of raw material supplies, and expand distribution networks so that the local brown sugar industry can develop sustainably.</span></em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18769 Rubber Farmer Group Strategies in Facing Rubber Price Fluctuations (A Study in Sungai Abit Village, Cempaka District, Banjarbaru City 2025-11-20T05:20:12+00:00 Haniah [email protected] Lutfi Sahal [email protected] Muhammad Qamaruddin [email protected] <p><em><span style="font-weight: 400;">Fluctuations in rubber prices in Sungai Abit Village impact the economy of rubber-dependent farming families. This study aims to uncover the causes of rubber price fluctuations and the strategies rubber farmers use to address them using descriptive qualitative methods through interviews and documentation. The results indicate internal factors (low latex quality, dependence on middlemen, high costs, lack of diversification) and external factors (decreasing global demand, competition from other countries, exchange rates, and oil prices). The main problems are low rubber quality and dependence on middlemen. Rubber farmers employ two strategies: consolidation (strengthening farmer groups, collective sales, information sharing) and survival (savings, continuing to tap, and seeking additional income). Improvements in the quality of rubber rubber, government support, and transparency of middlemen in their partnerships with farmers are recommended.”</span></em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18767 Comparative Analysis of Independent Small Businesses and Franchises in Banjarmasin City 2025-11-20T05:07:02+00:00 Dhiyaa Meuthia Faiqah Erba [email protected] Nadila Deryza Syofrin [email protected] <p><em><span style="font-weight: 400;">This study aims to analyze the comparison between independent small businesses and franchises in Banjarmasin City in the context of management strategies, strengths, weaknesses, and development potential for the regional entrepreneurial ecosystem. The research approach uses a qualitative descriptive method by utilizing secondary data obtained from previous studies, reports, and scientific publications related to MSMEs and franchises in Indonesia. The results show that independent small businesses have the main characteristics of high flexibility, innovation based on local culture, and social proximity to consumers. These advantages enable independent small businesses to adapt to local market needs, despite facing limitations in capital, financial management, and access to digital technology. Meanwhile, franchises offer a stable business system with brand support, training, and clear operational standards. However, this model limits the scope for innovation for business actors and incurs license and royalty costs that can reduce profit margins. In the context of Banjarmasin, small businesses are more prominent in developing local products and preserving regional cultural values, while franchises are the choice for young entrepreneurs who want to run a business with a ready-made system and lower risk. This study concludes that both business models have complementary strategic values: small businesses excel in creativity and local adaptation, while franchises excel in efficiency and system stability. Therefore, synergy between local innovation and modern managerial systems is expected to strengthen the entrepreneurial ecosystem and drive regional economic growth in the city of Banjarmasin.</span></em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18762 The Role of Bank Indonesia in Strengthening Micro Businesses through the Empowerment of Indonesian Women in Micro, Small and Medium Enterprises (PPUMI) 2025-11-20T03:39:47+00:00 Akhmad Syandrio Rizaldi [email protected] Maulidatul Hasanah [email protected] Siti Zulva Humairatuzzahra [email protected] Elin Khusnul Khotimah [email protected] <p><em><span style="font-weight: 400;">Micro businesses are the backbone of the people's economy, but they still face obstacles in terms of capital, skills, and access to finance. Bank Indonesia (BI), through Strengthening MSMEs through Inclusive Assistance (PPUMI), is here to support the development of micro businesses. This paper discusses the profile of PPUMI, its assistance strategies, as well as the programme's strengths, weaknesses, opportunities, and challenges. The purpose of this paper is to assess BI's contribution in strengthening micro businesses and promoting financial inclusion. The benefit of this paper is to provide an overview for business actors and policy makers in developing micro empowerment strategies. With PPUMI, micro businesses are expected to be more adaptive to the market, financially independent, and able to contribute more to the economy. This programme also strengthens the synergy between the financial sector and small business actors.</span></em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18783 Implementation of the Principles of Hifzh Al-Bī’ah and Hifzh Al-Māl: A Sharia-Based Green Digital Business Model In the Printing Industry 2025-11-21T05:24:25+00:00 Ria Julia [email protected] Raudatun Naza Alkhanza [email protected] <p><em>Printing industry faces a dual crisis: digital disruption and environmental impacts (waste, resource consumption). This study formulates a revolutionary Green-Digital business model that integrates modern efficiency with Sharia ethics. Its main focus is realizing Hifẓ al-Bī’ah (Environmental Preservation) and Hifẓ al-Māl (Asset Preservation).Through a qualitative-conceptual approach, we identify digital technology as a vital wasīlah (means). Hifẓ al-Bī’ah is achieved through adopting Print-on-Demand and a Digital Green Supply Chain to reduce waste. Meanwhile, Hifẓ al-Māl is ensured by data analytics for accurate demand forecasting, minimizing idle capacity, and guaranteeing financial transparency.The primary contribution of this research is a holistic framework that unites digital innovation with Sharia ethics, offering a practical roadmap toward maslahah (universal benefit) — creating a printing industry that is not only efficient and profitable but also ecologically and morally responsible.</em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18758 The Role and Benefits of Digital Cultural Archives in Enhancing Tourism Appeal and Economic Growth in Banjarmasin City 2025-11-20T02:58:15+00:00 Zainal Ilmi [email protected] Dea Hayatun Nufus [email protected] <p><em>This research examines the role of cultural archive websites as a digital solution for the preservation of local cultural wealth and a driver of economic growth in Banjarmasin. Banjarmasin, known as the 'City of a Thousand Rivers,' has a strong cultural heritage that includes history, heroes, kingdoms, traditional houses, music, dance, and unique cuisine, and has great potential to be developed through the utilization of digital technology. The plan to create a cultural archive website for Banjarmasin emerged because currently there is no website that specifically presents cultural information on a single integrated platform, especially in Banjarmasin. The lack of websites providing digital cultural information in Banjarmasin contrasts with other regions such as Bali. A descriptive qualitative approach is used to explore the role of this cultural archive website in helping both local and out-of-town tourists better understand the culture, tourist destinations, and culinary offerings in Banjarmasin. Data are obtained through systematic analysis of various relevant sources such as websites, scientific articles, and journals. The results of this study indicate that the digitalization of culture provides several benefits such as cultural preservation, increased tourism appeal, and the development of the creative economy.</em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18779 Community Economic Empowerment Through Processing Sapat Leaves into Masiraan Village’s Special Herbal Tea Products 2025-11-21T02:14:35+00:00 Rahmatun Hasanah [email protected] Faqih El Wafa [email protected] Yusuf Asyahri [email protected] <p><em><span style="font-weight: 400;">This study aims to analyze the process and impact of community economic empowerment through the processing of daun sapat (Mitragyna speciosa) into herbal tea products as part of a local creative economy initiative in Masiraan Village, Pandawan District, Hulu Sungai Tengah Regency. Using the Asset-Based Community Development (ABCD) approach, this research emphasizes community participation, local asset utilization, and capacity building for sustainable economic development. The participatory qualitative method involved 15 participants (housewives, youth, and community leaders) for two months (June–August 2025). Data were collected through observation, interviews, focus group discussions (FGD), and documentation. Quantitative descriptive analysis using a 5-point Likert scale was applied to measure changes in skills, motivation, and participation. Results show significant improvement in community skills, from an average of 2.0 (pre-training) to 4.6 (post-training), with increased entrepreneurial motivation and active collaboration. The value of daun sapat increased from IDR 2,000/kg (raw) to IDR 50,000/kg (finished herbal tea). The findings indicate that the ABCD approach effectively transforms local natural resources into high-value products while reinforcing Islamic economic principles, particularly </span></em><em><span style="font-weight: 400;">ḥ</span></em><em><span style="font-weight: 400;">if</span></em><em><span style="font-weight: 400;">ẓ</span></em><em><span style="font-weight: 400;"> al-māl (protection of wealth). This study contributes to the literature on Islamic community empowerment and provides a replicable model for sustainable village-based creative economy development.</span></em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18777 Reconceptualization of Islamic Financing through Zakat, Waqf, and Green Sukuk: Integrating Fintech, Hybrid Instruments, and Impact Assessment for Sustainable Development 2025-11-21T01:32:32+00:00 Nia Kartika Putri [email protected] Ainul Mardiah [email protected] Erwan Setyanor [email protected] <p><em><span style="font-weight: 400;">Sustainable development demands a financing system that is not only economically efficient but also fair, transparent, and socially as well as environmentally impactful. This study reconceptualizes Islamic financing through the integration of zakat, waqf, and green sukuk within the framework of hybrid Islamic finance instruments supported by financial technology (fintech) innovation. These instruments have traditionally operated separately, with zakat as a redistribution mechanism, waqf as a passive social asset, and green sukuk as a market-based investment, resulting in a fragmented Islamic financing ecosystem. Through a conceptual and descriptive approach, this study proposes an integrative model that links Islamic social finance with productive investment tools aligned with the Sustainable Development Goals (SDGs). Technological innovations such as blockchain, big data analytics, and impact assessment tools are proposed to enhance transparency, accountability, and real-time impact measurement. The expected outcome is the establishment of an ethical, inclusive, and innovative Islamic financing model that strengthens the role of Islamic economics in the green economy era. This reconceptualization aims to introduce a new paradigm of Islamic finance that emphasizes sustainable value creation and resilience to global challenges.</span></em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18774 Income and Marketing Strategy of Laying Duck Business in Masiraan Village 2025-11-20T06:04:49+00:00 Muhammad Arifano Hakim [email protected] Abdul Gafur [email protected] Yusuf Asyahri [email protected] <p><em><span style="font-weight: 400;">This study aims to analyze the income and marketing strategies of duck egg farmers in Masiraan Village, Hulu Sungai Tengah Regency, South Kalimantan. The research uses a qualitative descriptive approach with data obtained through observation, interviews, and documentation. The results show that duck egg farming has become an important source of livelihood for the community, especially after the 2021 flash flood disaster. The average income of farmers ranges from IDR 1,500,000 to 3,000,000 per month, depending on the number of ducks, feed costs, and market conditions. In terms of marketing, most farmers still rely on traditional sales methods through local collectors, which limits their bargaining power and potential income. Only a few farmers sell directly to markets or through social media. Therefore, innovation in marketing strategies, such as forming farmer groups, collaborating with MSMEs, and utilizing digital platforms, is highly recommended. From an Islamic economic perspective, the development of fair and ethical marketing practices reflects the values of justice, cooperation, and blessings in improving community welfare.</span></em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18772 Integration of Sharia Accounting Values in Mukhabarah Agreements to Achieve Justice and Green Economic Resilience in Malintang Lama, Gambut, Banjar Regency 2025-11-20T05:47:38+00:00 Miftah Hussa’adah [email protected] Zulpa Makiah [email protected] Annisa Mahfuzah [email protected] Marsya Elya Khairunnisa [email protected] <p><em><span style="font-weight: 400;">The transition to a green economy demands an economic system based on justice, desire, and moral values. Sharia accounting plays a strategic role in realizing these principles through the application of values such as justice (al-'adl), trustworthiness, transparency (tabligh), and accountability (hisab). This study aims to analyze the integration of Sharia accounting values in the practice of mukhabarah contracts and their implications for distributive justice and green economic resilience in Malintang Lama Village, Banjar Regency. A qualitative approach based on field studies and conceptual analysis was used. Data collection techniques included in-depth interviews with Mukhabarah actors, religious leaders, agricultural extension workers, and academics familiar with local sharia economic practices. Field data were supplemented by a literature review of Sharia accounting principles and the concept of a green economy. This study found that mukhabarah serves not only as an agricultural cooperation contract but also as a value-based economic model and social capital that upholds the principles of al-'adl (justice), amanah (honesty and responsibility), tablīgh (transparency), and hisāb (accountability). This integration supports the realization of sustainable economic governance in accordance with Sharia principles. The application of the profit-sharing principle (nisbah), proportional to the contributions and risks of each party, reflects distributive justice in the context of sharia accounting. The innovation of replanting fund allocation demonstrates the embryo of sustainable accounting (green accounting), which expands the concept of accountability into multiple dimensions: financial, social, and ecological. This synergy between sharia accounting and the green economy forms a new paradigm of economic development based on maqā</span></em><em><span style="font-weight: 400;">ṣ</span></em><em><span style="font-weight: 400;">id al-syarī‘ah and in line with the Sustainable Development Goals (SDGs), particularly SDG 2 (Zero Hunger) and SDG 12 (Responsible Consumption and Production). Thus, mukhabarah in Malintang Lama Village can be seen as a micro-model of sharia-based green development that is relevant to strengthening social justice, economic independence, and ecological sustainability at the local level.</span></em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18770 Harvesting Barakah: Evaluating The Success of The Agricultural Zakat Program from Ziswaf for Mustahik Farmers 2025-11-20T05:29:38+00:00 M. Ilham Hanafi [email protected] Lola Salma [email protected] Maria Ulfah [email protected] <p><em><span style="font-weight: 400;">The concept of barakah (divine blessing) represents a fundamental value in the Islamic economic system, linking spiritual dimensions with social welfare. The study titled “Harvesting Barakah: Evaluating the Success of the Agricultural Zakat Program from ZISWAF for Mustahik Farmers” originates from the need to reexamine the role of agricultural zakat as an instrument of economic empowerment for the Muslim community, particularly for mustahik farmers. The agricultural zakat program managed from ZISWAF institutions functions not only as a means of wealth distribution but also as an effort to realize social justice, economic independence, and sustainability within the agricultural sector.</span></em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18768 The Role of Sharia Economics in Empowering the Sasirangan Coastal Community in Banjarmasin City 2025-11-20T05:12:56+00:00 Hafizah Aziza [email protected] Sirliyana [email protected] Nipri [email protected] <p><em><span style="font-weight: 400;">This study analyzes the role and impact of Islamic economic implementation in empowering Sasirangan fabric artisans in Kampung Sasirangan, Banjarmasin, a coastal community that is economically vulnerable due to limited access to formal capital, which causes them to be trapped in usury-based debt or exploitation by contractors, and exacerbated by low financial literacy and digital marketing skills. A holistic solution is provided through Islamic economic instruments, particularly Islamic Microfinance Institutions (LKMS) such as Baitul Maal wat Tamwil (BMT), which provide interest-free financing (tamwil) through Mudharabah or Musyarakah contracts while integrating social aspects (maal) and skills development. Empirically, this implementation has had a significant impact on increasing average income and reducing interest-based debt, strengthening social bonds (ukhuwah) through Community-Based Enterprises, and most importantly, fostering inner peace or a sense of “blessing” which is a fundamental motivation for business sustainability. The research conclusion confirms that Islamic economics, through the holistic LKMS model, is effective as a comprehensive solution to improve the business capacity, economic independence, and spiritual well-being of Sasirangan artisans.</span></em></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB) https://jurnal.uin-antasari.ac.id/index.php/acieb/article/view/18764 Public Preference for Islamic Savings as an Instrument Choice in Financial Planning in Banjarmasin City 2025-11-20T04:01:00+00:00 Dea Hamidi Yanti Putri [email protected] Lutpi Sahal [email protected] Abdul Gafur [email protected] <p><span style="font-weight: 400;">Public preference for sharia-based financial products continues to increase along with increasing awareness of Islamic economic principles. This study aims to analyze the factors influencing Banjarmasin City residents' preferences in choosing sharia savings as the primary instrument in their financial planning. The method used is a quantitative approach with factor analysis techniques. The research sample consisted of 100 respondents selected using a non-probability sampling method with a purposive sampling technique. Data were collected through questionnaires and analyzed using SPSS. The variables studied included sharia understanding, consumer attitudes, religiosity, social factors, culture, price, and psychological factors. The results showed that the majority of Banjarmasin City residents have a positive preference for sharia savings. The dominant factors influencing this preference are sharia understanding and religiosity with a percentage of variance of 55.801%. Other factors that also influence this preference are social, cultural, and price factors (5.128%), psychological and personal factors (3.697%), and personal and religious factors (3.252%). The total variance explained by these four factors reached 67.878%. This research provides important insights for Islamic financial institutions to improve public literacy and understanding of Islamic savings as a sharia-compliant financial planning instrument.</span></p> 2025-11-21T00:00:00+00:00 Copyright (c) 2025 Antasari Conference on Islamic Economics and Business (ACIEB)