At-Taradhi: Jurnal Studi Ekonomi Volume X Nomor 2, Juni 2025 P-ISSN: 1979-3804, E-ISSN: 2548-9941 Implementasi Perencanaan Keuangan Syariah oleh Pengusaha Muslimah Pemilik Toko Etalase PBJ di Banjarmasin Humaira Nur Afifah Fakultas Ekonomi dan Bisnis Islam, UIN Antasari Banjarmasin. E-mail: humairanurafifah04@gmail.com Atika Zahra Maulida Fakultas Ekonomi dan Bisnis Islam, UIN Antasari Banjarmasin. E-mail: atikazahra@uin-antasari.ac.id. ARTICLE INFO ABSTRACT Kata Kunci: Perencanaan Keuangan Syariah; Pengusaha Muslimah; Usaha Mikro Cara Sitasi: Humaira Nur Afifah, “Impelentasi Perencanaan Keuangan Syariah oleh Pengusaha Muslimah Pemilik Toko Etalase PBJ di Banjarmasin.” At- Taradhi: Jurnal Studi Ekonomi 10, no. 2 (2025): 168-180. This study aims to find out how a Muslimah entrepreneur applies sharia financial planning in running a retail business of packaging equipment and accessories, as well as the challenges she faces. This type of research is field research, using a descriptive qualitative approach, with data collection techniques in the form of in-depth interviews with an informant who has been running her business since 2017. The data were analyzed based on the six pillars of Islamic financial planning, namely collection, development, maintenance, purification, distribution, and protection of assets. The results showed that the informant has implemented the basic principles of Islamic financial planning such as separating business and personal funds, setting aside income for ZIS (zakat, infaq and sadaqah), and developing the business gradually. However, some aspects such as the use of Islamic investment products, Islamic insurance, and planning for inheritance, wills, and pension funds have not been implemented. This study shows that sharia financial planning has not been fully implemented by informants, but the awareness to manage finances in a sharia manner has been formed. Future research is recommended to involve more micro-entrepreneur informants so that the results are more diverse and in-depth. Penelitian ini bertujuan untuk mengetahui bagaimana seorang pengusaha muslimah menerapkan perencanaan keuangan syariah dalam menjalankan usaha ritel perlengkapan kemasan dan aksesoris, serta tantangan yang dihadapinya. Jenis penelitian ini ialah penelitian lapangan, menggunakan pendekatan kualitatif deskriptif, dengan teknik pengumpulan data berupa wawancara mendalam kepada seorang informan yang telah menjalankan usahanya sejak tahun 2017. Data dianalisis berlandaskan pada enam pilar perencanaan keuangan syariah, yaitu pengumpulan, pengembangan, pemeliharaan, penyucian, penyaluran, dan perlindungan harta. Hasil