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Jurnal Syarikah : Jurnal Ekonomi IslamJurnal Syarikah : Jurnal Ekonomi Islam

This study aims to determine the household financial management of Plantation Farmers in Tanjung Jabung Barat Regency and its conformity with Islamic Financial Management. This research uses two methods, namely descriptive qualitative and quantitative. The data analysis technique used in qualitative methods is descriptive analysis, in collecting data through unstructured interviews. While the data analysis technique used in quantitative methods is Importence Performance Analysis, with data collection techniques using a questionnaire. The sample in this study was the community of Plantation Farmers in West Tanjung Jabung Regency, Jambi. The results of the qualitative descriptive method research show that the household financial management of Farmers is mostly in accordance with Islamic Financial Management, such as doing good and halal work, being wise in consumption, prioritizing needs, recording debts properly and correctly, setting aside income for savings, returning debts in accordance with the agreement, and carrying out zakat infaq and sadaqah. This is reinforced by the results of data analysis using the Importence Performance Analysis method with the results of the level of conformity between expectations and performance of 82. These results indicate that the household financial management of Farmers is at a good level in accordance with Islamic Financial Management.

The household financial management of Plantation Farmers in West Tanjung Jabung Regency is largely aligned with Islamic Financial Management principles.This includes engaging in halal and ethical work, practicing mindful consumption, prioritizing needs over wants, diligently recording debts, allocating income for savings, fulfilling debt obligations, and actively participating in zakat, infaq, and sadaqah.The results of the Importance Performance Analysis (IPA) method, with a conformity level of 82%, further support this conclusion, indicating a positive alignment between expectations and actual practices in financial management.

Further research could explore the specific challenges faced by plantation farmers in fully implementing Islamic financial principles, such as access to Islamic banking services or a deeper understanding of zakat calculations. Investigating the role of financial literacy programs tailored to the needs of this community could also be beneficial, examining their impact on improving financial decision-making and promoting responsible financial behavior. Additionally, a comparative study could be conducted to assess the financial management practices of plantation farmers in different regions of Indonesia, identifying best practices and potential areas for improvement, ultimately contributing to the development of more effective strategies for promoting financial well-being and adherence to Islamic financial ethics within this vital agricultural sector. These studies should involve a significant number of participants to ensure the generalizability of the findings and provide a comprehensive understanding of the financial landscape of plantation farming communities.

  1. ANALISIS PENGELOLAAN KEUANGAN KELUARGA DALAM PERSPEKTIF ISLAM | Jurnal Adz-Dzahab: Jurnal Ekonomi dan... journal.uiad.ac.id/index.php/adz-dzahab/article/view/2711ANALISIS PENGELOLAAN KEUANGAN KELUARGA DALAM PERSPEKTIF ISLAM Jurnal Adz Dzahab Jurnal Ekonomi dan journal uiad ac index php adz dzahab article view 2711
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