Perencanaan Keuangan Islam Sederhana dalam Bisnis E-Commerce pada Pengguna Online Shop
DOI:
https://doi.org/10.21580/economica.2018.9.1.2593Keywords:
Perencanaan Keuangan Islam, Usaha Mikro, E-CommerceAbstract
Technological developments and digitalization in all sectors including the industrial sector force all industry players to follow if they want to survive. Behind the digitalization that targets all aspects of transactions, as a Muslim, there are basic rules that must still be used as guidelines, including not forgetting the aspects of sharia in dealing with it especially in the current era of globalization. This study will examine how e-commerce business as part of the industrial revolution synergizes with Islam which is implemented in the form of simple Islamic financial planning. Using ethnography studies and adjoining case study methods this study investigates two participants as micro-entrepreneurs who implement e-commerce. The results of the study prove that micro-entrepreneurs in the e-commerce business have implemented Islamic financial planning in a simple way through the allocation of specific budgets for worship needs such as zakat, infaq and alms in their financial planning.
Perkembangan teknologi dan digitalisasi di semua sektor memaksa semua pelaku industri untuk mengikutinya jika ingin tetap bertahan. Di balik digitalisasi yang menyasar semua aspek transaksi, sebagai seorang muslim ada aturan dasar yang tetap harus dijadikan pedoman, di antaranya tidak melupakan aspek syariah dalam bermuamalah apalagi di era globalisasi saat ini. Penelitian ini akan mengkaji bagaimana bisnis e-commerce sebagai bagian dari revolusi industri bersinergi dengan Islam yang diimplementasikan dalam bentuk perencanaan keuangan Islam secara sederhana. Menggunakan studi etnograpi dan metode studi kasus yang berdampingan penelitian ini mengobsevasi dua partisipan sebagai pelaku usaha mikro yang menerapkan e-commerce. Hasil penelitian membuktikan bahwa pelaku usaha mikro dalam bisnis e-commerce telah menerapkan perencanaan keuangan Islam secara sederhana melalui pengalokasian anggaran khusus untuk kebutuhan ibadah, seperti zakat, infak dan sedekah dalam perencanaan keuangannya.
Downloads
References
Ahrens, Thomas. 1997. “Talking Accounting: An Ethnography of Management Knowledge In British And German Brewers.” Accounting, Organizations and Society 22 (7). Elsevier: 617–37. https://ideas.repec.org/a/eee/ aosoci/v22y1997i7p617-637.html.
Arner, Douglas W., Janos Nathan Barberis, and Ross P. Buckley. 2017. “FinTech, RegTech, and the Reconceptualization of Financial Regulation.” Northwestern Journal of International Law & Business 37 (3): 1–51. https://scholarlycommons.law.northwestern.edu/njilb/ vol37/iss3/2.
Arwani, Agus. 2012. “Epistemologi Hukum Ekonomi Islam (Muamalah).” Religia: Jurnal Ilmu-Ilmu Keislaman 15 (1): 125–46. https://doi.org/https://doi.org/10.28918/religia.v15i1.126.
Bajtelsmit, Vickie L., and Alexandra Bernasek. 1996. “Why Do Women Invest Differently than Men?” Financial Counseling and Planning, 7: 1–10. https://doi.org/10.2139/ssrn.2238.
Basu, Sudipta, Marcus Kirk, and Gregory B. Waymire. 2009. “Memory, Transaction Records, and The Wealth of Nations.” Accounting, Organizations and Society 34 (8): 895–917. https://doi.org/10.2139/ ssrn.1008879.
Chapra, Umer. 2001. The Future of Economic: An Islamic Perspective. Jakarta: Shariah Economics and Banking Institute.
Denzin, Norman K, and Yvonna S. Lincoln, eds. 2011. Handbook of Qualitative Research. 3rd ed. California.
Fidiana. 2014. “Eman Dan Iman: Dualisme Kesadaran Dan Kepatuhan.” In Simposium Nasional Akuntansi XVII. Mataram: Ekonomi Universitas Mataram.
Hidayat, Dedy. 2002. “Metodologi Penelitian Dalam Sebuah ‘Multi-Paradigm Science.’” Mediator: Jurnal Komunikasi 3 (2): 197–220. https://doi.org/10.29313/MEDIATOR.V3I2.766.
Horngren, Charles T., and Walter T. Harrison. 2007. Akuntansi Jilid 1. 7th ed. Jakarta: Erlangga.
Latif, Abdul. 2015. “Nilai-Nilai Dasar Dalam Membangun Ekonomi Islam.” IAIN Sultan Amai Gorontalo.
Ludigdo, Unti. 2013. “Asumsi Dasar Paradigma Interpretif.” In Accounting Research Training Series Ke-4, 26-27 Juni 2013. Malang: Pascasarjana Akuntansi FEB Universitas Brawijaya.
Masruroh, Aini. 2013. “Mengelola Keuangan Secara Syariah Dalam Rangka Menumbuhkan Good Money Habbit.” Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah 5 (1): 79–96. https://doi.org/10.15408/AIQ.V5I1.2557.
Maulana, Shabur Miftah, Heru Susilo, and Riyadi. 2015. “Implementasi E-Commerce Sebagai Media Penjualan Online (Studi Kasus Pada Toko Pastbrik Kota Malang).” Jurnal Administrasi Bisnis 29 (1): 1–9. http://administrasibisnis.studentjournal.ub.ac.id/index.php/jab/article/view/1165.
McAuley, Daniel. n.d. “What Is FinTech? – Wharton FinTech – Medium.” Accessed April 26, 2018. https://medium.com/wharton-fintech/what-is-fintech-77d3d5a3e677.
Neuman, W. Lawrence. 2011. Social Reserach Methods: Qualitative and Quantitative Approachs. 7th ed. Boston: Pearson Publisher.
Nurdin, Ridwan, and Muslina. 2017. “Konsep Dan Teori Manajemen Aset Dalam Islam.” Media Syari’ah 19 (2). Fakultas Syariáh IAIN Ar-Raniry: 357–76. https://jurnal.ar-raniry.ac.id/index.php/medsyar/article/ view/2026.
Purnomo, Agus, and Atika Zahra Maulida. 2017. “Implementasi Islamic Financial Planning Dalam Perencanaan Keuangan Pengusaha Muslim Alumni Gontor Yogyakarta.” NUANSA: Jurnal Penelitian Ilmu Sosial Dan Keagamaan Islam 14 (1): 103. https://doi.org/10.19105/ nuansa.v14i1.1315.
Qardhawi, Yusuf. 1997. Norma Dan Etika Dalam Ekonomi Islam. 1st ed. Jakarta: Gema Insani Press.
Setyaningsih, Titik. 2014. “Memaknai Kearifan Lokal Pada Perusahaan Keluarga Harta (Sugih Tanpa Bandha) = Utang (Tulung-Tinulung) + Modal (Tuna Satak Bathi Sanak) + Katentreman Ati.” In Simposium Nasional Akuntansi XVII. Mataram Nusa Tenggara Barat: Fakultas Ekonomi Universitas Mataram.
Spradley, James P. 2011. The Ethnographic Interview. United States of America: Waveland Press.
“Survei Fintech Indonesia 2016: 61 Persen Startup Fintech Anggap Regulasi Di Indonesia Belum Jelas | Dailysocial.” n.d. Accessed June 28, 2018. https://dailysocial.id/post/survei-fintech-indonesia-2016-61-persen-startup-fintech-anggap-regulasi-di-indonesia-belum-jelas.
“Tahun 2017 Jumlah Pengguna Internet Di Indonesia Capai 143.26 Juta | Mastel.Id.” n.d. Accessed August 20, 2018. http://mastel.id/tahun-2017-jumlah-pengguna-internet-di-indonesia-capai-143-26-juta/.
Wahyuni. 2015. “Dekonstruksi Sistem Distribusi Dan Struktur Kepemilikan Usaha Galian Tambang Dalam Bingkai Islam.” Universitas Diponegoro Semarang.
Wahyuni, Andi Sri, and Alviana Nentry. 2017. “Ingatan Adalah Media: Studi Etnografi Trik Bertahan Dan Pencatatan Kondisi Keuangan Seorang Paggade-Gadde.” Jurnal Akuntansi Dan Bisnis 17 (2): 76. https://doi.org/10.20961/jab.v17i2.227.
Downloads
Published
Issue
Section
License
Authors who publish with this journal agree to the following terms:
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
Authors can enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), acknowledging its initial publication in this journal.
Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) before and during the submission process, as it can lead to productive exchanges and earlier and greater citation of published work (See The Effect of Open Access).
