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ISLAMIC ECONOMIC MODEL IN REDUCING GAP OF GROWTH AND UNEMPLOYEMENT Sumarâ€™in, Sumarâ€™in; Kusnadi, Iwan
Hunafa: Jurnal Studia Islamika Vol 15 No 2 (2018): ISLAMIC ECONOMY
Publisher : State Institute of Islamic Studies (IAIN) Palu

The theme of the article is based on economic principles of Islam. The purpose of research is to see economic development in the perspective of the Islamic economy especially research aims to analyze the effect of economic growth and unemployment in Indonesia period 1998-2017, a perspective of the Islamic economy. Economic development is one of the strategies to achieve the goals aspired nation. The goal is how poverty, unemployment, economic disparity and social resolved so as to realize human welfare. But in fact, the construction of which is expected to have an influence on society has not caused yet siding with the people. Increased poverty and unemployment occur. This type of research is an ex post facto. Technical documentation was applied for searching the data from Statistics Central Board, Indonesia Bank, BAPPENAS in Indonesia. Data analysis technique was Regression. Data analysis shows that: there is a negative influence toward economic growth in the rate of Indonesia and unemployment in 1998-2018. Economic development in Islamic economy perspective focus to three elements such as forbidden interest (ribaÌ„) as instrument financial, optimization zakat and characteristics of an element of spiritual, moral, and material, and activities tend to be multidimensional so that all business submitted to balance a variety of factors and does not cause inequality.

PERAN GAPOKTAN DALAM MENINGKATKAN KESEJAHTERAAN KELOMPOK TANI PADI DI DESA SALATIGA KECAMATAN MANDOR KABUPATEN LANDAK Herpranoto Firdo; Kusnadi, iwan; Iva Ashari, Ananda
Lunggi Journal Vol. 2 No. 4 (2024): Lunggi Journal: Literasi Unggulan Ilmiah Multidisipliner
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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This study aims to determine the Farmer Group programs in improving farmer welfare, to find out the steps taken by Farmer Group in improving, to find out the results of Farmer Group activities in improving farmer welfare. This study uses qualitative methods and a descriptive approach. The study was conducted in Salatiga Village Mandor District Landak Regency. From July to August 2024. The subjects of this study were Farmer Groups in Salatiga Village. The informants in this study were the Head of Farmer Group, Agricultural Center, Head of Farmer Group, Secretary of Farmer Group, and Members of Farmer Group. Data collection was carried out using interview, observation, and documentation methods. Data validity checks were carried out by extending participation, diligent observation and examination by research data sources. Technical data analysis was carried out using an inductive model consisting of data collection, data reduction, data presentation, and drawing conclusions. The results of this study indicate that: (1) the role of the farmer group carried out in Salatiga Village, which plays a role in facilitating, fostering, directing farmers so that they can prosper in farming rice, then Farmer Group holds extension programs, development of modern agricultural technology, farming training, regular meetings in multipurpose buildings and comparative studies to other areas. (2) There are still inhibiting factors for farmers in Salatiga Village such as many pests, slashing rats, sparrows, caterpillars, snails, equivalent to weather factors

POTENSI PASAR RAKYAT DALAM MENINGKATKAN KESEJAHTERAAN PEDAGANG PASAR RAKYAT KECAMATAN TEBAS KABUPATEN SAMBAS DALAM PERSPEKTIF EKONOMI ISLAM Mega; Kusnadi, iwan
Sebi : Studi Ekonomi dan Bisnis Islam Vol. 6 No. 1 (2024): Jurnal Studi Ekonomi dan Bisnis Islam (SEBI)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sebi.v6i1.2462

This research is motivated by the traditional market which is increasingly left behind and there are indications that the market is one of the efforts in the process of increasing the welfare of traders in an economy. With this kind of business, it is hoped that it will enable traders to create better economic conditions than before. In order for this achievement to be carried out optimally, it is considered necessary to explore the existing potential to then be developed optimally. The data validity technique used is triangulation. Based and the results of the study it can be concluded that the potential of the people’s market in improving the welfare of the people’s market traders in Tebas distric in an Islamic economic perspective has the potential to be developed because it has the interest of buyers who are still classified as existing, the price offered is cheap and easily accessible by people from the lower class, products that are there are people’s markets that also have a variety of variations, a strategic market location, and close to he crowds, opposite the location of bus stops and the morning market, is also a potential. In terms of welfare, traders in people’s markets can be categorized as prosperous, that is, seen from the income earned,theybare able to provide sufficient to meet the necessities of life, as well as help the family economy. The fulfillment of welfare in the perspektive of Islamic economics has also been classified as fulfilled, it can be seen from the statements of traders who say that the results of this trade have been able to bring them to go on pilgrimage and umrah.

Empowering Loan Awareness: The Role of Sharī‘ah Financial Literacy, Blockchain, and Fintech Trust Sumar'in, Sumar'in; Ardi, Pahmi; Sumin, Sumin; Kusnadi, Iwan
Signifikan: Jurnal Ilmu Ekonomi Vol 14, No 1 (2025)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i1.44735

Research Originality. Despite extensive research on Sharī‘ah financial literacy and fintech trust, their combined impact on illegal loan awareness remains unexplored. This study bridges that gap by analyzing their interaction in financial decision-making amid rising predatory lending, offering a novel perspective on their protective role against unethical financial practicesResearch Objectives. This study aims to examine the effect of Sharī‘ah financial literacy on awareness of illegal online loans, with blockchain technology understanding and Sharī‘ah fintech trust as mediating variables.Research Methods. An associative quantitative approach was employed, utilizing a survey of 519 Indonesian millennial Muslims, selected through simple random sampling. Data analysis was conducted using structural equation modeling (SEM) to explore the relationships among variables.Empirical Results. The findings indicate that Sharī‘ah financial literacy significantly influences blockchain understanding, fintech trust, and awareness of illegal online loans. Blockchain understanding enhances fintech trust but does not directly impact loan awareness, whereas trust in Sharī‘ah fintech positively affects awareness of illegal online lending risks.Implications. This study underscores the importance of improving Sharī‘ah financial literacy and blockchain understanding to strengthen consumer trust in Sharī‘ah fintech and raise awareness of illegal online lending risks. However, further research with broader samples is recommended to validate these findings.JEL Classification: G41, G28, O33, Z12, D83How to Cite:Sumar’in, Ardi. P, Sumin, & Kusnadi, I. (2025). Empowering Loan Awareness: The Role of Sharī‘ah Financial Literacy, Blockchain, and Fintech Trust. Signifikan: Jurnal Ilmu Ekonomi, 14(1), 179-196. https://doi.org/10.15408/sjie.v14i1.44735.

Pengaruh Faktor Eksternal Terhadap Preferensi Masyarakat dalam Memilih Produk Tabungan Mudharabah pada Bank Syariah di Kabupaten Sambas Admaja, Surya; Kusnadi, Iwan
Belalek Vol. 3 No. 1 (2025): BELALEK: Jurnal Pengabdian Kepada Masyarakat (Journal of Community Services)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/belalek.v3i1.3963

This study aims to determine whether there is a positive and significant influence between culture, social, and marketing partially and simultaneously on community preferences in choosing Mudharabah savings products at Islamic Banks in Sambas Regency. This study uses a quantitative approach method of associative-causal nature. The population in this study is all Mudharabah savings customers at Islamic Banks in Sambas Regency, determining the sample size using Roscoe's theory resulted in a total sample of 40 respondents. The type of data used is primary data obtained from questionnaires. The ordinal data obtained were then converted into interval data. Furthermore, the data were processed with validity and reliability tests, classical assumption tests, multiple linear regression analysis, and hypothesis testing using SPSS 23.The results showed that partially, there was no positive and significant influence between culture on community preferences as seen from the value of t count < t table (0.369 < 2.02809) with a significance value of 0.714 > 0.05, there was no positive and significant influence between social on community preferences as seen from t count < t table (0.505 < 2.02809) with a significance value of 0.616 > 0.05, there was a positive and significant influence between marketing on community preferences as seen from the value of t count > t table (3.598 > 2.02809) with a significance value of 0.001 < 0.05. Simultaneously, there is a positive and significant influence between culture, social, and marketing on community preferences as seen from the value of F count > F table (8.533 > 2.87) with a significance value of 0.000 < 0.05. Furthermore, the Adjusted R Square value is 0.367, this means that the influence of culture, social, and marketing on community preferences is 36.7%, while the remaining 63.3% is influenced by other variables not included in this study.

PENGARUH INFLASI, PERTUMBUHAN EKONOMI, DAN NILAI TUKAR RUPIAH TERHADAP HARGA SAHAM SYARIAH PADA JAKARTA ISLAMIC INDEX YANG LESTING DI BURSA EFEK INDONESIA TAHUN 2015-2019 Sulia Sukmawati, Urai; Kusnadi, Iwan; Ayuni, Sri
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 6 No. 2 (2020): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v6i2.338

Penelitian ini bertujuan untuk mengetahui Pengaruh Inflasi, Pertumbuhan Ekonomi, dan Nilai Tukar Rupiah terhadap Saham Syariah pada Jakarta Islamic Index yang Lesting di Bursa Efek Indonesia Tahun 2015-2019. Hasil penelitian ini dilihat dari hubungan secara parsial maupun simultan. Penelitian ini menggunakan metode pendekatan kuantitatif, menggunakan data sekunder dari website Badan Pusat Statitik (BPS) dan website Bank Indonesia (BI). Penelitian ini menggunakann data sekunder. Data sekunder yang digunakan berbentuk data panel yang terdiri dari data cross section berupa data harga saham Syariah, inflasi, pertumbuhan ekonomi, dan nilai tukar rupiah di Indonesia dan data time series yaitu periode 2015-2019. Dalam penentuan sampel, sampel yang digunakan yaitu menggunakan purposive sampling. Saham Syariah yang masuk dalam Jakarta Islamic Index (JII) pada Bursa Efek Indonesia, inflasi, pertumbuhan ekonomi, dan nilai tukar rupiah tahun 2015-2019. Teknik analisis yang digunakan yaitu regresi linear berganda dengan bantuan alpikasi SPSS. Hasil penelitian menunjukkan secara parsial bahwa variabel tingkat inflasi berpengaruh negatif dan tidak signifikan terhadap saham syariah yang ditunjukkan dengan nilai signifikansi , variabel tingkat pertumbuhan ekonomi berpengaruh positif dan tidak signifikan terhadap saham syariah dengan nilai , sedangkan variabel nilai tukar rupiah berpengaruh positif dan tidak signifikan terhadap saham syariah dengan nilai . Hasil penelitian ini secara simultan bahwa tingkat inflasi, tingkat pertumbuhan ekonomi dan nilai tukar rupiah tidak berpengaruh signifikan terhadap saham syariah dengan nilai .

Empowering Loan Awareness: The Role of Sharī‘ah Financial Literacy, Blockchain, and Fintech Trust Sumar'in, Sumar'in; Ardi, Pahmi; Sumin, Sumin; Kusnadi, Iwan
Signifikan: Jurnal Ilmu Ekonomi Vol. 14 No. 1 (2025)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i1.44735

Research Originality. Despite extensive research on Sharī‘ah financial literacy and fintech trust, their combined impact on illegal loan awareness remains unexplored. This study bridges that gap by analyzing their interaction in financial decision-making amid rising predatory lending, offering a novel perspective on their protective role against unethical financial practicesResearch Objectives. This study aims to examine the effect of Sharī‘ah financial literacy on awareness of illegal online loans, with blockchain technology understanding and Sharī‘ah fintech trust as mediating variables.Research Methods. An associative quantitative approach was employed, utilizing a survey of 519 Indonesian millennial Muslims, selected through simple random sampling. Data analysis was conducted using structural equation modeling (SEM) to explore the relationships among variables.Empirical Results. The findings indicate that Sharī‘ah financial literacy significantly influences blockchain understanding, fintech trust, and awareness of illegal online loans. Blockchain understanding enhances fintech trust but does not directly impact loan awareness, whereas trust in Sharī‘ah fintech positively affects awareness of illegal online lending risks.Implications. This study underscores the importance of improving Sharī‘ah financial literacy and blockchain understanding to strengthen consumer trust in Sharī‘ah fintech and raise awareness of illegal online lending risks. However, further research with broader samples is recommended to validate these findings.JEL Classification: G41, G28, O33, Z12, D83How to Cite:Sumar’in, Ardi. P, Sumin, & Kusnadi, I. (2025). Empowering Loan Awareness: The Role of Sharī‘ah Financial Literacy, Blockchain, and Fintech Trust. Signifikan: Jurnal Ilmu Ekonomi, 14(1), 179-196. https://doi.org/10.15408/sjie.v14i1.44735.

PENGARUH MARKETING MIX TERHADAP KEPUTUSAN PEMBELIAN PADA E-COMMERCE SHOPEE DALAM PERSPEKTIF EKONOMI ISLAM Tilawati, Rahma; Kusnadi, iwan; Marina, Marina
Cross-Border Journal of Business Management Vol. 4 No. 1 (2024): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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This research is motivated by the creation of online buying and selling transactions called online shopping or another term is e-commerce. Shopee is e-commerce no. 1 Indonesia which applies the marketing mix marketing concept which is a combination of four variables, namely product, price, place, and promotion where the concept is one of the marketing activities that will determine the company's success in pursuing profit or mashlahah. This study aims to determine the effect of the marketing mix (product, price, place, promotion) partially or simultaneously on Purchase Decisions at Shopee E-commerce in an Islamic Economic Perspective. The subjects of this study were students of the Islamic Economics and Business Faculty, Sultan Muhammad Syafiuddin Sambas Islamic Institute with a total sample of 67 students. The object of this research is product (product), price (price), place (place), promotion (promotion) Against Purchase Decisions on E-commerce Shopee. The method in this research is quantitative. The sampling technique used is purposive sampling. The analytical method used in this research includes validity test, reliability test, classical assumption test and hypothesis testing through multiple linear regression analysis. The results showed that partially the product variable had no effect on purchasing decisions, it could be seen from the value of tcount < ttable (1.148 < 1.66980) with a significance of 0.225 > 0.05, while the other variables, namely price, place and promotion partially had a positive and significant effect. to purchasing decisions. Simultaneously the marketing mix (product, price, place, promotion) has a positive and significant effect on purchasing decisions with the results of the F test where the value of Fcount > Ftable (14.706 > 2.52) with a significance of 0.000 < 0.05.

PENGARUH PERSEPSI PENDAPATAN, PENDIDIKAN, DAN JUMLAH ANGGOTA KELUARGA TERHADAP KESEJAHTERAAN KELUARGA PERSPEKTIF MAQASHID ASY-SYARIAH rindiani; Kusnadi, iwan; Sulastri
Cross-Border Journal of Business Management Vol. 5 No. 1 (2025): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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This study aims to determine whether there is a positive and significant influence of income, education, and family size, both partially and simultaneously, on family welfare from the perspective of Maqashid Asy-Syariah in Sebayan Village. This research employs a quantitative approach with a causal associative nature. The population in this study consists of 929 households, and the sample size was determined using Roscoe's theory, resulting in a sample of 40 respondents. The type of data used is primary data obtained from the results of a questionnaire. The ordinal data collected was then converted into interval data. Subsequently, the data was processed using validity and reliability tests, classical assumption tests, multiple linear regression analysis, and hypothesis testing using SPSS 23. The research results indicate that, partially, there is no positive and significant influence of income on family welfare, as evidenced by the t-value < t-table (1.724 < 2.02809) with a significance value of 0.474 > 0.05. There is a positive and significant influence of education on family welfare, as shown by the t-value > t-table (3.831 > 2.02809) with a significance value of 0.000 < 0.05. There is no positive and significant influence of the number of family members on family welfare, as indicated by the t-value < t-table (1.938 < 2.02809) with a significance value of 0.060 > 0.05. Simultaneously, there is a positive and significant influence of income, education, and the number of family members on family welfare, as seen from the F-value > F-table (9.725 > 2.87) with a significance value of 0.000 < 0.05. Furthermore, the Adjusted R Square value is 0.402, which means that income, education, and the number of family members account for 40.2% of the influence on family welfare, while the remaining 59.8% is influenced by other variables not included in this study.

Analisis Akuntansi untuk Mata Uang Kripto: Tantangan Dan Solusi Dalam Standar Pelaporan Keuangan Judijanto, Loso; Kusnadi, Iwan; Al-Amin, Al-Amin
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 1 No 6 (2024): Oktober
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

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This research examines challenges and solutions in financial reporting standards for cryptocurrencies, a rapidly evolving field with unique characteristics and complexities. It highlights key obstacles such as price volatility, unclear accounting treatment, and difficulties in digital asset valuation. On the other hand, it also explores potential solutions, including the adoption of blockchain technology to improve transparency and traceability of transactions, the use of advanced algorithms for verification and valuation, and international cooperation in the development of adaptive guidelines. By integrating these approaches, accounting for cryptocurrencies can be improved to be more reliable and compliant with global financial reporting standards. The results of this study provide a scientific foundation for further developments in cryptocurrency accounting practices, which are necessary to win stakeholder trust and support wider adoption in the digital economy

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