Efektivitas Penerapan Pola Tabungan dalam Meningkatkan Minat Konsumen pada Penjualan Ritel Hewan Qurban
DOI:
https://doi.org/10.55123/sosmaniora.v4i2.5324Kata Kunci:
Qurban Savings, Sharia Financial Inclusion, Digital Transparency, Consumer Behavior, Halal Supply ChainAbstrak
Qurban is an obligation for financially capable Muslims, yet financial constraints often hinder participation, particularly among middle-income groups. The qurban savings scheme serves as an innovative solution through phased financial planning. This study analyzes the effectiveness of the qurban savings system in boosting retail qurban animal consumers’ interest, while identifying preferences, driving factors, and its impact on pricing and animal availability. Conducted from December 2024 to April 2025, the research employs a qualitative approach via questionnaires (78 respondents) and interviews. Results indicate 85% of respondents (aligned with findings) benefited from deposit flexibility and reduced financial pressure. Key participation factors include trust in institutions (67%), ease of digital payment (58%), and animal quality assurance (72%). A total of 89% of female respondents prioritized QR Code-based vaccine certification. However, 49% faced difficulties securing animals 7 days before Eid, and 61% of rural participants discontinued savings due to transparency issues. Dependence on intermediaries by 88% of non-Jabodetabek breeders inflated price margins and inefficiencies. The study recommends integrating digital technology and blockchain-based traceability, alongside multi-stakeholder collaboration to establish inclusive operational standards. Taklim assembly-based financial literacy is crucial to enhance vulnerable groups’ participation.
Unduhan
Referensi
Agustina, I., Asmanah, Y., Aisa, N., Hajar, E. S., & Amalia, F. (2024). Sosialisasi Tata Kelola Pencatatan Keuangan Bagi Pemilik Warung Di Lokasi Bumi Perkemahan Palutungan Desa Cisantana. Jurnal Pengabdian Multidisiplin, 4(2), Article 2. https://doi.org/10.51214/00202404952000
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Budisatria, I. G. S., Panjono, Maharani, D., & Ibrahim, A. (2019). Kambing Peranakan Etawah: Kepala Hitam atau Cokelat. UGM PRESS.
Fang, M. L., Canham, S. L., Battersby, L., Sixsmith, J., Wada, M., & Sixsmith, A. (2018). Exploring Privilege in the Digital Divide: Implications for Theory, Policy, and Practice. The Gerontologist. https://doi.org/10.1093/geront/gny037
Harfandi, H., & Puteri, H. E. (2015). INDIKASI FINANCIAL INCLUSION DI PEDESAAN DAN KONTRIBUSI BANK PEMBIAYAAN RAKYAT SYARIAH DALAM PENGEMBANGAN SEKTOR - SEKTOR PRODUKTIF. Jurnal Ekonomi, 17(1), Article 1. https://doi.org/10.47896/je.v17i1.40
Henderson, P. W., & Peterson, R. A. (1992). Mental accounting and categorization. Organizational Behavior and Human Decision Processes, 51(1), 92–117. https://doi.org/10.1016/0749-5978(92)90006-S
Kholifah, N., & Andrianingsih, V. (2020). PELUANG DAN TANTANGAN IMPLEMENTASI FINANCIAL TECHNOLOGY (FINTECH) PADA PERBANKAN SYARIAH DALAM MENINGKATKAN KEUANGAN INKLUSIF. Ulumuna: Jurnal Studi Keislaman, 6(2), Article 2.
Kohar, A., Tohiroh, T., Saksana, J. C., Murtini, S., Prajogo, B., Siregar, F., Pardian, R., Ruvi, M., Lesmana, A. S., & Candra, H. (2025). MEMBANGUN GENERASI BERAKHLAK MULIA: BAKTI SOSIAL STIE GANESHA DALAM RANGKA PERINGATAN ISRA MI’RAJ NABI MUHAMMAD SAW. Batara Wisnu: Indonesian Journal of Community Services, 5(1), 157–180.
Lounsbury, M. (2023). The Problem of Institutional Trust. Organization Studies, 44(2), 308–310. https://doi.org/10.1177/01708406221131415
M.M, I. F. S., S. Pd, M.M, R. S., S. Hut, M.Pd, K., S. Pd ,. M. Kom, IPM, I. S. J., M. Sc, M.M, A. M., S. E., CVPA, D. R. R. Z., SE ,. MS i ,. Ak ,. CA ,. CPRM, M.M, A. S., S. HI, M.M, B. S., S. E., MAP, D. S., S. Pd, & M.M, M. J. K., S. M. (2022). Manajemen Logistik. Cendikia Mulia Mandiri.
Munandar, A., & Ridwan, A. H. (2023). KEADILAN SEBAGAI PRINSIP DALAM EKONOMI SYARIAH SERTA APLIKASINYA PADA MUDHARABAH. Maqdis: Jurnal Kajian Ekonomi Islam, 7(1), Article 1. https://doi.org/10.15548/maqdis.v7i1.453
Nugraha, D. N. D., Fadli, U. M., & Khalida, L. R. (2023). Implementasi Promosi Digital Produk Tabungan Emas pada PT Pegadaian Cabang Cikampek. Jurnal Manajemen, 13(1), Article 1. https://doi.org/10.30656/jm.v13i1.6907
Nuraeni, I., Nugroho, L., & Sugiarti, D. (2024). Kajian Knowledge Based Theory Dalam Aplikasi Mobile Banking Bank Syariah Dan Bank Konvensional (Studi Kasus Pada Bank Syariah Indonesia Dan Bank Mandiri). Pelita: Jurnal Penelitian, Terapan Dan Aplikatif, 1(2), 78–95.
Nurdin, N. (2014). ANTARA KETEPATAN SALURAN DISTRIBUSI DAN VOLUME PENJUALAN. JURNAL LENTERA BISNIS, 3(1), 54–69.
Nurfalah, I., & Rusydiana, A. S. (2019). DIGITALISASI KEUANGAN SYARIAH MENUJU KEUANGAN INKLUSIF: KERANGKA MAQASHID SYARIAH. Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, Dan Akuntansi, 11(1), Article 1. https://doi.org/10.35313/ekspansi.v11i1.1205
Pane, P. M., Bangun, B. B., Rahmadani, F., & Hasyim, H. (2024). Pengaruh Regulasi Keuangan Islam terhadap Pertumbuhan Bank Syariah. As-Syirkah: Islamic Economic & Financial Journal, 3(2), Article 2. https://doi.org/10.56672/syirkah.v3i2.164
Primasari, D., Sudjono, S., & Abriani, N. (2019). Analisis Penggunaan E-Commerce Terhadap Peningkatan Permintaan Kuantitas Produk Pada UMKM di Kabupaten Banyumas (Suatu Pendekatan Teori Technology Acceptance Model). Jurnal Ilmu Manajemen dan Bisnis, 10(1), Article 1. https://doi.org/10.17509/jimb.v10i1.15371
Rahnemoonfar, M., & Sheppard, C. (2017). Deep Count: Fruit Counting Based on Deep Simulated Learning. Sensors, 17(4), Article 4. https://doi.org/10.3390/s17040905
Rosiana, I., Nasrudin, S., Sutrisno, H., Putera, A. R., & Hajarudin, H. (2024). Strategi Penanganan Pembiayaan Bermasalah pada Produk Pembiayaan. Commodities, Journal of Economic and Business, 5(1), Article 1. https://doi.org/10.59689/commo.v5i1.1006
Sa, I., Ge, Z., Dayoub, F., Upcroft, B., Perez, T., & McCool, C. (2016). DeepFruits: A Fruit Detection System Using Deep Neural Networks. Sensors, 16(8), Article 8. https://doi.org/10.3390/s16081222
Salanié, F., & Treich, N. (2006). Over-savings and hyperbolic discounting. European Economic Review, 50(6), 1557–1570. https://doi.org/10.1016/j.euroecorev.2005.05.003
Sansprayada, A., Mariskhana, K., & Aziz, R. A. (2023). Implementasi Aplikasi Tabungan Kurban Berbasis Android Studi Kasus Dkandang Tangsel | Jurnal Teknologi Informatika dan Komputer. https://journal.thamrin.ac.id/index.php/jtik/article/view/1111
Sugiyono, S. (2016). Metode penelitian kuantitatif, kualitatif, R&D. Bandung: Alfabeta, 1–11.
Sulianta, F. (2024). Manajemen Perusahaan Industri. Feri Sulianta.
Van Den Broeck, A., Ferris, D. L., Chang, C.-H., & Rosen, C. C. (2016). A Review of Self-Determination Theory’s Basic Psychological Needs at Work. Journal of Management, 42(5), 1195–1229. https://doi.org/10.1177/0149206316632058
Wahyuni, A., Handoko, T., & Widodo, Z. D. (2022). Pengaruh Minat Beli Masyarakat Terhadap Diskon Shopee, Kualitas Produk Dan Harga Bagi Pengguna Shopee (Study Kasus Bagi Pengguna Shopee di Sragen). Publik: Jurnal Manajemen Sumber Daya Manusia, Administrasi Dan Pelayanan Publik, 9(4), 869–879.
Unduhan
Diterbitkan
Cara Mengutip
Terbitan
Bagian
Lisensi
Hak Cipta (c) 2025 Nurdin Nurdin, Hadi Sutrisno, Asep Surya Lesmana; Yuliya Sari; Umar Anas
Artikel ini berlisensi Creative Commons Attribution 4.0 International License.
