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Perkembangan industri fashion muslim di Surabaya yang pesat diiringi dengan persaingan yang ketat antar pedagang. Penelitian ini bertujuan menganalisis pengaruh kualitas produk, harga, dan kreativitas terhadap pendapatan usaha pedagang fashion muslim di Pasar Atom Surabaya. Menggunakan pendekatan kuantitatif asosiatif, data primer diperoleh melalui kuesioner dari 50 responden yang dipilih dengan teknik purposive sampling. Analisis regresi linear berganda digunakan setelah uji validitas, reliabilitas, dan uji asumsi klasik. Hasil penelitian menunjukkan bahwa kualitas produk tidak berpengaruh signifikan terhadap pendapatan usaha (p=0,263), harga berpengaruh positif dan signifikan (p=0,000; B=0,565), dan kreativitas berpengaruh positif dan signifikan dengan koefisien tertinggi (p=0,000; B=0,633). Secara simultan ketiga variabel berpengaruh signifikan terhadap pendapatan usaha (F=61,629; p=0,000) dengan Adjusted R² sebesar 0,788. Temuan ini mengindikasikan bahwa dalam konteks pasar tradisional modern, kreativitas dan strategi harga lebih menentukan pendapatan dibandingkan kualitas produk. Implikasi manajerial bagi pedagang adalah memprioritaskan kreativitas dan fleksibilitas harga serta mempertahankan kualitas pada tingkat standar layak jual.

Baros District has the potential for creative economy-based Micro, Small, and Medium Enterprises (MSMEs) products that need to be strengthened, including products from the agricultural, livestock, crafts, food, and various other types of trade sectors. This study aims to analyze and assess the steps for developing creative economy-based MSMEs in Baros District, located in Serang Regency, Banten. The method applied is a qualitative approach through observation, interviews, document collection, and using a SWOT Matrix analysis to identify the strengths, weaknesses, opportunities, and challenges faced in developing creative economy-based MSMEs in Baros District, Serang Regency, Banten. Data sources used include the Head of Baros District, local village heads, academics, MSME actors, employees from the Serang Regency MSME Office, and MSME observers. This study lasted for one year. The appropriate strategy for developing MSMEs in Baros District is the SO (Growth) strategy, which utilizes existing strengths to increase competitiveness. The research revealed that MSMEs operating in the creative economy sector in Baros District still face various challenges in developing their businesses, such as limited capital, the use of simple production equipment, suboptimal marketing, a shortage of skilled labor, and limited use of technology and copyright registration for their products.

This research explores how monopoly markets operate in the context of a sharia-based microeconomy, with a primary focus on how prices are regulated based on the principle of adl or justice. Unlike traditional monopolies, which often create inefficiencies in resource allocation and exploit consumers, Islamic teachings require fair prices, in accordance with the Quran's prohibition of gharar (uncertainty) and zulm (oppression). Referring to the theories of Ibn Taymiyyah and modern thinkers such as Chapra, we examine how monopoly companies can achieve maslahah or mutual benefit through profit restrictions, combining prices with zakat, and supervision by a sharia council. Through a simple mathematical model, we prove that monopolies regulated by justice produce better Pareto outcomes than equilibria that only maximize profits, by reducing social losses while still encouraging innovation. Empirical data from Islamic markets in Indonesia, such as halal commodities, support these findings, where regulations can stabilize prices at 15-20% lower. The conclusion of this study highlights the importance of Sharia principles in managing sustainable markets in developing countries, with policy recommendations to reform antitrust rules to align with the maqasid al-Shariah.

Perjanjian kredit antara lembaga perbankan dan pelaku usaha mikro, kecil, dan menengah (UMKM) merupakan instrumen penting dalam mendukung pertumbuhan ekonomi. Namun, dalam praktiknya, tidak jarang terjadi wanprestasi dari pihak debitur  yang  berdampak  pada  hubungan  hukum  dan keberlangsungan  usaha.  Penelitian  ini  bertujuan  untuk mengkaji: 1) bagaimana proses pengajuan dan pelaksanaan perjanjian kredit antara Bank BRI dan UMKM Konveksi Parasit di Daerah Istimewa Yogyakarta; 2) apa saja faktor yang menyebabkan terjadinya wanprestasi oleh debitur; dan 3) bagaimana mekanisme penyelesaian wanprestasi yang dilakukan oleh pihak bank. Metode penelitian yang digunakan adalah pendekatan yuridis normatif yang didukung oleh data primer. Spesifikasi penelitian bersifat deskriptif analitis dengan jenis dan sumber data berupa data sekunder yang diperoleh melalui studi pustaka, serta data primer yang diperoleh melalui wawancara dengan pihak terkait. Teknik analisis data dilakukan secara kualitatif untuk menginterpretasikan norma hukum dan fakta empiris secara sistematis. Hasil penelitian menunjukkan bahwa: 1) proses pengajuan kredit dilakukan melalui prosedur formal dengan dokumen pendukung yang sah, dan dituangkan dalam Surat Pengakuan Hutang; 2) wanprestasi terjadi karena kombinasi faktor internal seperti pengelolaan usaha yang kurang optimal dan faktor eksternal seperti penurunan permintaan pasar; dan 3) penyelesaian wanprestasi dilakukan melalui eksekusi agunan, pelaporan ke otoritas keuangan, serta pendekatan persuasif seperti restrukturisasi kredit. Penelitian ini menegaskan pentingnya edukasi hukum bagi pelaku UMKM dan penerapan prinsip keadilan dalam penyelesaian sengketa kredit.

Diabetes mellitus adalah penyakit gangguan metabolisme yang disebabkan oleh defisiensi sekresi insulin, kerusakan sel Beta pankreas, atau resistensi insulin sebagai akibat insulin yang tidak digunakan. DM secara progresif menyebabkan terjadinya komplikasi makrovaskuler, mikrovaskuler, dan neuropatik kronis yang mengancam jiwa. Selain berdampak pada masalah kesehatan, DM juga memiliki konsekuensi ekonomi yang besar. Biaya pengobatan meningkat khususnya apabila terjadi komplikasi jangka panjang dan pilihan pengobatan modern. Perubahan gaya hidup dapat meningkatkan kesehatan dan kualitas hidup sehingga penderita tidak mengalami komplikasi. Modifikasi gaya hidup dilakukan dengan mengurangi asupan energi, meningkatkan aktivitas fisik sebagai terapi utama untuk pasien DM yang obesitas. Penurunan berat badan dikombinasikan dengan peningkatan aktivitas dapat meningkatkan sensitivitas insulin dan kontrol glikemik serta mencegah perkembangan DM tipe 2 terhadap risiko tinggi gangguan toleransi glukosa. Target pengabdian masyarakat ini adalah meningkatkan pengetahuan, dan kemampuan penderita diabetes mellitus tipe 2 dalam melakukan modifikasi gaya hidup guna mencegah komplikasi diabetes. Kegiatan  ini dilakukan di layanan kesehatan praktik mandiri bidan (LKPMB) dengan melibatkan mitra dari lahan yaitu bidan dan tim kesehatan terkait dalam bentuk pemberian edukasi dan pelatihan keterampilan mengenai cara melakukan menejemen gaya hidup. Hasil evaluasi menunjukkan pemahaman peserta menjadi lebih baik tentang modifikasi gaya hidup dan memiliki motivasi untuk diterapkan dalam kehidupan sehari-hari

This study aims to analyze efforts to empower the village economy through the development of Micro, Small, and Medium Enterprises (MSMEs) based on sustainable agriculture in Kudadepa Village, Sukahening District, Tasikmalaya Regency. The background of this study is the low added value of village agricultural products that have so far relied on traditional distribution systems, so that farmers tend to sell products to collectors at less profitable prices. The research method used is descriptive qualitative with a field study approach through observation, interviews, and documentation. Research participants included agricultural MSMEs, village officials, and local consumers. The results show that strengthening the capacity of MSMEs can be done through three main strategies: improving managerial and technical skills for business actors, product innovation based on organic and environmentally friendly agriculture, and developing a broader digital marketing network. In addition, support from the village government and related institutions plays a crucial role in providing access to capital, business mentoring, and facilitating ongoing training. The conclusion of this study confirms that the development of sustainable agricultural MSMEs not only increases community income but also encourages village economic independence and environmental sustainability. Thus, the MSME-based empowerment model can be an effective strategy in building an inclusive and competitive rural economy.

Isu keterbatasan lahan di wilayah perkotaan mendorong perlunya solusi alternatif untuk mendukung ketahanan pangan dan pemberdayaan masyarakat. Kegiatan Pengabdian kepada Masyarakat (PkM) ini berfokus pada pengembangan urban farming di Kelurahan Bukit Duri dengan melibatkan kader TP PKK sebagai mitra utama. Tujuan pengabdian ini adalah meningkatkan pengetahuan teknis, keterampilan, serta kemandirian warga dalam memanfaatkan ruang mikro melalui sistem hidroponik dan pemanfaatan lahan vertikal maupun horizontal. Metode yang digunakan meliputi pelatihan, workshop, praktik instalasi hidroponik, penyemaian, hingga panen dan pengelolaan pasca panen. Hasil pengabdian menunjukkan peningkatan kapasitas kader PKK dalam praktik urban farming, terbentuknya kebun percontohan yang aktif dirawat, serta pemanfaatan hasil panen untuk konsumsi rumah tangga dan pengembangan produk melalui branding sederhana. Program ini memberikan manfaat multidimensi: sosial, ekonomi, dan lingkungan, serta mendorong keberlanjutan pemberdayaan masyarakat berbasis komunitas.

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Islamic economics is a branch of science that discusses economic issues like conventional economic systems. However, what distinguishes it is the application of Islamic values ​​as the main foundation in all economic activities. In the context of Islamic microeconomics, decision-making by each economic actor is carried out by considering the limitations of sharia as the main factor. Here, economic variables only act as necessary conditions, while morality and sharia rules act as sufficient conditions. Islamic economics is present as an alternative solution to global economic problems and as a means to achieve spiritual happiness, because economic activities in this system can also be considered worship.

Market structure is a fundamental element in microeconomic studies that influences the interaction between business actors and consumers. From an Islamic perspective, market structure is not only assessed based on efficiency and competition, but also prioritizes the values of justice and transparency. This study aims to examine how Islamic economic principles are applied in various forms of market structures and their implications for the behavior of economic actors. With a qualitative approach based on literature studies, this article examines the concept of justice ('adl) and openness of information as the main pillars in forming a healthy market according to Islamic law. The results of the study show that Islam encourages the creation of a free market but is still ethically controlled so that there are no practices of exploitation, price manipulation, or misleading information. This finding strengthens the importance of regulations that are in line with Islamic values in forming a sustainable economic system that is oriented towards the common good.

This study aims to analyze price elasticity and income elasticity of products by integrating perspectives from conventional economics and Islamic microeconomics. In conventional economics, price and income elasticity are used to understand consumer demand sensitivity to changes in price and income. Meanwhile, Islamic microeconomics adds an ethical dimension, such as the prohibition of israf (wastefulness) and the importance of balanced consumption. The findings indicate that elasticity analysis is crucial not only for business strategies and economic policies but also must incorporate Islamic economic principles to promote sustainable and ethical consumption. This study suggests that integrating Islamic microeconomic values in elasticity analysis can enrich the understanding of consumer behavior and foster more inclusive economic policies.

Monopoly is a form of market structure characterized by sole control over certain goods or services. In conventional economics, monopoly is often considered as part of market dynamics that can be tolerated under certain conditions, such as natural monopoly. However, from an Islamic microeconomic perspective, monopoly is viewed more critically because it has the potential to cause injustice in the distribution of wealth and market access. This article aims to analyze the concept of monopoly in Islamic economics and examine its implications for market justice. This study uses a descriptive qualitative approach based on literature studies, with sources from classical Islamic literature, the Qur'an, hadith, and contemporary economic theory. The results of the analysis show that Islam forbids monopolistic practices that are detrimental to society, especially in the form of ihtikar or hoarding, and encourages healthy competition and market supervision (hisbah). Thus, the principle of market justice in Islam is not only normative, but has a strong ethical and practical basis to prevent economic domination by a handful of parties.

This study aims to determine how much bank financing/credit for micro, small, and medium enterprises can affect Indonesia's economic growth. The results of this study indicate that financing or credit for MSMEs affects economic growth both positively and negatively.

The increasing needs of life encourage people to seek funds from various sources, including those that are not in accordance with sharia principles such as interest and loan shark practices. In facing this challenge, Baitul Maal wat Tamwil (BMT) emerged as a sharia-based microfinance alternative that rejects the element of usury and emphasizes justice and blessings. The purpose of this study is to examine the application of sharia principles in financing activities at BMT, as well as analyze the challenges and opportunities for development, especially in Padangsidimpuan City. The method used in this research is a descriptive qualitative approach by conducting literature studies and case studies at BMT Insani. The findings of the research show that BMT has implemented sharia contracts such as murabahah and mudharabah in its financing activities. However, there are still some obstacles such as competition from conventional financial institutions, limited human resources, and low financial literacy among the community. Nevertheless, BMTs have significant opportunities to grow through increased education, product innovation, and strengthening of institutional structures.

Economic distribution is one of the important topics in Islamic economics because it is related to the equality and welfare of the community. This article discusses distribution instruments from the point of view of capitalist and Islamic economics. Capitalism popularized by Adam Smith emphasized individual freedom in asset ownership, but it often led to inequality and poverty. In contrast, Islamic economics emphasizes justice and the equitable distribution of wealth according to religious principles. This study uses a qualitative descriptive method with a literature review. This research reaches the conclusion that an Islamic economic system should be established, which emphasizes the value of justice in property as well as human freedoms and actions in accordance with religious teachings.

Many people in the Provincial City have established micro businesses, both small and medium businesses. The types of businesses that are widely run by people in the Provincial City are micro businesses in the form of shops or grocery stalls. Realizing the enormous potential of MSMEs (Micro and Small Enterprises) for the economic development of the community, the Bali Provincial Baznas has launched a program that can help people in the Bali Province to further optimize the businesses they run, namely the Zmart (Zakat Market) program. The purpose of this discussion is to determine the implementation and results of the economic empowerment of the Zmart Program programmed by the Bali Provincial BAZNAS to improve the welfare of MSMEs (Micro and Small Enterprises) in the city of Denpasar, Bali. This research method is qualitative research, data collection is carried out using Observation, Interview and Documentation techniques. Data analysis is carried out using qualitative descriptive analysis. Triangulation method. The results of this study include the implementation of the economic empowerment of the Zmart program which has been implemented in August 2023 well and is running in accordance with the objectives of the Zmart program. And improving the welfare of UMK (Micro and Small Enterprises), especially in Denpasar City, Bali Province, which has benefited from the implementation of the Zmart BAZNAS Bali Province program, both in terms of economy and social.

This community empowerment activity was carried out in Kassi Village, Rumbia District, Jeneponto Regency. Kassi Village is located in a highland area and has agricultural and plantation land that includes secondary crops and horticulture. Kassi Village also has attractive tourism potential and an art studio that showcases various traditional dances. This wealth of resources supports the growth of Micro and Small Enterprises (MSEs) in Kassi Village, with 89 MSEs recorded in 2022. However, this abundance of natural potential has not yet contributed significantly to the MSEs, which tend to remain stagnant. To address this issue, the Tim PKM provided optimization services for Micro and Small Enterprises (MSEs) through a business workshop program. The method used in this community empowerment effort is a capacity building method with a participatory approach. The results of this activity showed that the problems faced by business actors were effectively resolved through intensive training and the formation of the Baji Kassi Community to optimize the performance of MSEs in Kassi Village by providing consultation services.

Penelitian ini bertujuan untuk mengevaluasi peran sumber daya dalam proses pengambilan keputusan ekonomi manajerial, khususnya pada sektor Usaha Mikro, Kecil, dan Menengah (UMKM). Dalam menghadapi dinamika pasar dan keterbatasan sumber daya, UMKM dituntut untuk melakukan evaluasi yang tepat agar keputusan manajerial yang diambil dapat meningkatkan efisiensi dan keberlanjutan usaha. Studi ini menggunakan pendekatan kualitatif dengan teknik studi pustaka dan wawancara mendalam terhadap pelaku UMKM untuk menganalisis bagaimana sumber daya baik finansial, manusia, maupun material dimanfaatkan dalam proses pengambilan keputusan strategis. Hasil penelitian menunjukkan bahwa pemahaman dan evaluasi sumber daya yang akurat berkontribusi signifikan terhadap kualitas keputusan ekonomi manajerial, serta mampu meningkatkan daya saing UMKM di tengah persaingan yang semakin ketat.

UMKM merupakan kegiatan usaha yang mampu memperluas dan memberikan peluang bagi masyarakat untuk pemerataan dan peningkatan pendapatan, mendorong pertumbuhan ekonomi, yang berperan dalam mewujudkan stabilatas nasional. Peran serta pemerintah daerah melalui Dinas Koperasi, Usaha Kecil, Menengah dan Perdagangan (DKUKMP) Kota Bontang dalam pemberdayaan diharapkan dapat memperluas lapangan kerja, meningkatkan pendapatan masyarakat serta bisa lebih banyak menyerap tenaga kerja. UMKM diharapkan semakin berperan dalam menekan angka pengangguran. Tujuan penelitian ini untuk mengetahui implementasi pemberdayaan UMKM dalam rangka peningkatan perekonomian di Kota Bontang. Peneliti menggunakan metode pendekatan kualitatif deskriptif. Hasil penelitian menunjukkan bahwa pemerintah Kota Bontang melalui DKUKMP telah memberikan dukungan dalam program pemberdayaan UMKM dan terjadi peningkatan dari tahun 2019 sampai dengan tahun 2023.

This community empowerment activity was carried out in Kassi Village, Rumbia District, Jeneponto Regency. Kassi Village is located in a highland area and has agricultural and plantation land that includes secondary crops and horticulture. Kassi Village also has attractive tourism potential and an art studio that showcases various traditional dances. This wealth of resources supports the growth of Micro and Small Enterprises (MSEs) in Kassi Village, with 89 MSEs recorded in 2022. However, this abundance of natural potential has not yet contributed significantly to the MSEs, which tend to remain stagnant. To address this issue, the Tim PKM provided optimization services for Micro and Small Enterprises (MSEs) through a business workshop program. The method used in this community empowerment effort is a capacity building method with a participatory approach. The results of this activity showed that the problems faced by business actors were effectively resolved through intensive training and the formation of the Baji Kassi Community to optimize the performance of MSEs in Kassi Village by providing consultation services.