Household Income Management Among Urbanized Communities in Jayapura City: A Study in Islamic Microeconomics

Abstract

This study explores the management of household income among urbanized communities in Jayapura City through the lens of Islamic microeconomics. The research focuses on how families who have migrated from rural or highland areas manage limited income sources amid urban economic pressures. Using a qualitative-descriptive approach with in-depth interviews, this study reveals the adaptation patterns of these families in meeting daily needs, saving, and allocating resources for religious obligations. The findings highlight the relevance of Islamic principles such as qana’ah (contentment), barakah (blessing in income), and ikhtiar (effort) in forming economic resilience among urbanized households. This research contributes to the discourse on micro-level Islamic economic behavior and its practical application in Indonesia's multicultural urban contexts.