Garuda - Garba Rujukan Digital

Dinamika jeratan pinjol terhadap ekonomi keluarga Triastuti, Fitri; Luqman, Luqman; Kusumayanti, Fitri
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 5 No. 1 (2025): Januari - Februari
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v5i1.2521

Pinjaman online (pinjol) telah menjadi fenomena yang berkembang pesat di Indonesia, memudahkan akses masyarakat terhadap layanan keuangan. Namun, kemudahan ini sering kali disalahgunakan dan dapat menjerat peminjam dalam utang yang sulit dilunasi, terutama bagi keluarga berpenghasilan rendah. Artikel ini bertujuan untuk mengkaji dinamika jeratan pinjol terhadap ekonomi keluarga, dengan fokus pada dampak sosial dan finansial yang ditimbulkan. Penelitian ini menggunakan pendekatan kualitatif dengan wawancara dan studi kasus sebagai metode pengumpulan data. Hasil penelitian menunjukkan bahwa ketergantungan terhadap pinjol dapat menyebabkan keluarga terjebak dalam lingkaran utang yang mengarah pada kesulitan ekonomi, gangguan pada kestabilan psikologis, dan keretakan hubungan sosial. Faktor-faktor seperti rendahnya literasi keuangan, tidak adanya pengawasan yang ketat, dan perilaku konsumtif menjadi pemicu utama masalah ini. Disarankan adanya regulasi yang lebih ketat terhadap pinjol serta peningkatan literasi keuangan di masyarakat untuk mencegah dampak buruk pinjaman online terhadap ekonomi keluarga.

Analisis Implementasi Prinsip-Prinsip Syariah Dalam Produk RAHN (GADAI) Di Pegadaian Syariah Cabang Pontianak Arimbi, Tania; Ibrahim, Ibrahim; Ruslan, Ismail; Luqman, Luqman; Dalimunthe, Hamdani
Jurnal sosial dan sains Vol. 5 No. 7 (2025): Jurnal Sosial dan Sains
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jurnalsosains.v5i7.32290

Penelitian ini bertujuan untuk menganalisis implementasi prinsip-prinsip syariah, khususnya keadilan, transparansi, dan pengawasan, dalam produk rahn (gadai) di Pegadaian Syariah Cabang Pontianak. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus. Teknik pengumpulan data dilakukan melalui wawancara mendalam, observasi langsung, dan dokumentasi institusional terhadap pimpinan, petugas Pegadaian, Dewan Pengawas Syariah (DPS), serta nasabah. Hasil penelitian menunjukkan bahwa prinsip keadilan tercermin dalam proses penilaian barang jaminan yang dilakukan secara profesional oleh tim penaksir bersertifikat, tanpa diskriminasi terhadap latar belakang ekonomi nasabah. Transparansi juga telah diterapkan melalui pemberian informasi biaya secara tertulis dan lisan, meskipun masih terdapat kendala pemahaman nasabah terkait rincian biaya administrasi. Pengawasan syariah oleh DPS dilaksanakan melalui audit berkala dan pembinaan kepada pegawai, namun keterlibatan langsung dengan nasabah masih perlu ditingkatkan. Tantangan utama yang dihadapi mencakup persepsi ketidakadilan dalam penilaian, kurangnya literasi keuangan syariah, dan keterbatasan dalam digitalisasi layanan. Strategi peningkatan kualitas layanan yang diusulkan antara lain penguatan sistem digitalisasi penaksiran barang, optimalisasi peran DPS, serta sosialisasi edukatif berbasis media digital. Kesimpulan dari penelitian ini adalah bahwa implementasi prinsip-prinsip syariah di Pegadaian Syariah Cabang Pontianak telah berjalan cukup baik, terutama dalam aspek keadilan dan transparansi. Namun, peningkatan masih diperlukan dalam sosialisasi literasi syariah kepada masyarakat serta percepatan transformasi digital layanan rahn. Penelitian ini diharapkan dapat menjadi referensi dalam pengembangan kebijakan dan praktik Pegadaian Syariah untuk menghadirkan layanan keuangan syariah yang lebih adil, inklusif, dan terpercaya.

Identity, Lifestyle, and Halal Consumption: A Study on Muslimah Socialites in Pontianak City Sari, Intan Purnama; Atmaja, Dwi Surya; Luqman, Luqman
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 3 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i3.474

This study explores how Muslimah socialites in Pontianak City construct their identity and lifestyle through halal consumption practices. Utilizing a qualitative descriptive method with symbolic consumption theory and the Theory of Planned Behavior (TPB), this research investigates how personal religiosity, community influence, and aesthetic preferences shape consumer behavior in fashion and cosmetics. Data were collected through in-depth interviews with five informants, participatory observation, and documentation. The findings show that halal consumption is not merely a religious obligation but functions as a form of identity performance and symbolic status assertion. Muslimah socialites integrate modest fashion and halal beauty products to project an image of being pious yet modern, supported by their social environment and digital platforms. This study contributes to understanding the performative nature of halal consumption in urban Muslim women's everyday lives and offers insights for policymakers and halal product developers targeting the Muslim lifestyle segment.

Semiotic Studies: Cultivating Religious Characters in SDI: (Case Study in SDI KHA. Wahid Hasyim) Rahma, Fatikh Inayahtur; Luqman, Luqman; Anggraini, Ade Eka
Syaikhuna: Jurnal Pendidikan dan Pranata Islam Vol. 14 No. 01 (2023): March
Publisher : STAI Syaichona Moh. Cholil Bangkalan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/syaikhuna.v14i01.6583

Implementation of character education must be familiar from an early age, especially religious character. A religious character is a human character based on religious aspects. One example of religious character planting activities is the dhuha and istighosah prayers. Semiotics is interpreted as a description of ideas, objects, and situations related to media, messages, culture, and society. The purpose of this research is to find out the message of cultivating religious character in SDI KHA. Wahid Hasyim is based on signs (icons, indexes, and symbols). This study uses a qualitative research approach presented in a descriptive form and analyzed by studying Charles Sanders Pierce's semiotic theory with the triangle theory of meaning, namely Icons, Indexes, and Symbols. The results of this study are 1) SDI KHA. Wahid Hasyim, as one of the Nahdlatul Ulama-based schools, implemented a religious character outside of the learning process by habituating the Dhuha prayer in congregation and regular istighosah every Thursday. 2) Dhuha and istighosah prayer activities have messages and culture that want to be instilled and conveyed to students from an early age. 3) signs such as body posture, setting of the place, and time have their meaning related to the cultivation of religious character.

Identity, Lifestyle, and Halal Consumption: A Study on Muslimah Socialites in Pontianak City Sari, Intan Purnama; Atmaja, Dwi Surya; Luqman, Luqman
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 3 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i3.474

This study explores how Muslimah socialites in Pontianak City construct their identity and lifestyle through halal consumption practices. Utilizing a qualitative descriptive method with symbolic consumption theory and the Theory of Planned Behavior (TPB), this research investigates how personal religiosity, community influence, and aesthetic preferences shape consumer behavior in fashion and cosmetics. Data were collected through in-depth interviews with five informants, participatory observation, and documentation. The findings show that halal consumption is not merely a religious obligation but functions as a form of identity performance and symbolic status assertion. Muslimah socialites integrate modest fashion and halal beauty products to project an image of being pious yet modern, supported by their social environment and digital platforms. This study contributes to understanding the performative nature of halal consumption in urban Muslim women's everyday lives and offers insights for policymakers and halal product developers targeting the Muslim lifestyle segment.

Application of Multiple Linear Regression (MLR) Method in Certification Activities at ITCC ITPLN Jatnika, Hendra; Luqman, Luqman; Indah Susanti, Meilia Nur; Mulyo Wibisono, Petra Andriyani; Jefri, Mulya
Enrichment: Journal of Multidisciplinary Research and Development Vol. 2 No. 12 (2025): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v2i12.314

Multiple Linear Regression (MLR) is one of the algorithms in Machine Learning. Machine Learning that estimates the linear coefficient equations involved in one or more independent variables that can predict the value of the variable of interest. Algorithms used to predict the value of a variable based on the value of other variables. Based on 2021 data at the Information Technology Certification Center (TCC), it can be seen that the quality and quantity of Microsoft International Certification graduates is decreasing. In the pre-pandemic MOS certification, the percentage of passes was seventy-two percent (72%), while in the MOS certification during the pandemic the percentage of passes dropped to fifty-two percent (52%). Based on the results of the MLR trial test on the dataset of MOS-Word and MCF-AI certification test participants, a calculation formula is obtained as a benchmark in assessing the MOS-Word and MCF AI certification scores. The study provides specific recommendations to optimize certification training programs by tailoring materials to address critical competencies and participant needs. Additionally, a predictive formula developed in this research can serve as a self-assessment tool for participants to evaluate their readiness for certification tests. These findings underscore the potential of MLR as a robust analytical tool for improving certification processes, enhancing training effectiveness, and ensuring better outcomes for participants. This research contributes to advancements in machine learning applications within education and professional development contexts.

Prinsip Ekonomi Syari’ah Pada Pemotongan Gaji ASN Untuk Zakat Profesi di Kanwil Kementerian Agama Kalimantan Barat Tarmanto, Tarmanto; Iqbal, Ichsan; Luqman, Luqman
LABATILA : Jurnal Ilmu Ekonomi Islam Vol 9 No 02 (2025)
Publisher : Lembaga Penelitian dan Pengembangan Masyarakat IAINU Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33507/lab.v9i02.3452

ABSTRACT Not all civil servants who are Muslim at the Regional Office of the Ministry of Religious Affairs of West Kalimantan Province accept the policy of deducting civil servants' salaries for professional zakat, citing management practices that are considered non-transparent and inconsistent with the principles of Islamic economics. This study aims to examine the policy of deducting civil servants' salaries for professional zakat at the Regional Office of the Ministry of Religious Affairs of West Kalimantan Province from the perspective of sharia economic principles, in order to provide a better, more argumentative understanding based on Islamic economic principles regarding the implementation of professional zakat distribution to civil servants. This is a qualitative descriptive study with an Islamic legal and conceptual approach. Data was obtained through in-depth interviews and informant selection through purposive sampling. The results of the study show that the policy of deducting civil servants' salaries for professional zakat is in line with the main principles of Islamic economics, which emphasise justice and public interest as embodied by a leader in making policies. In this case, the policy of deducting salaries for professional zakat is considered capable of accommodating both theocentric and anthropocentric aspects simultaneously. This is evident from the objectives of the policy, which on the one hand is a form of compliance with Islamic law and on the other hand helps civil servants who are confused about how to distribute their professional zakat. In addition, in terms of its impact, this policy is also in accordance with the principles of Islamic economics, because the process is transparent, there are no violations of Islamic law, and no parties are harmed. Keywords: Sharia Economics, Salary Deduction, Principles, Professional Zakat

PEMIKIRAN JASSER AUDA MENUJU MAQASYID SYARIAH KONTEMPORER Busri, Busri; Selamet, Selamet; Luqman, luqman
NATUJA: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2025): November (2025)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/4f4b4812

Jasser Auda's thoughts begin with a critique of Ushul fiqh. This research answers first, Ushul al-Fiqh tends to be textual and ignores the purpose of the text; second, the classification of several ulus al-Fiqh theories leads to binary and dichotomous logic; third, the analysis of al-Fiqh's proposals is reductionist and atomistic. Apart from that, Jasser Auda also criticized the classic Maqasid which was too focused on individual benefit so that it was unable to answer current global problems. Therefore, Jasser Auda expands the scope and dimensions of classical maqasid theory to answer the challenges of modern times. This research uses a qualitative method with a descriptive approach. This research produces Jasser Auda's theory, namely system as an approach in Islamic law, and develops a set of categories using six system features, namely cognitive nature, interconnectedness, wholeness, openness, multidimensionality, and meaningfulness. This research also reveals the figure of the Contemporary Maqasyid syariah Thinker where He did not eliminate the maqasyid of Classical Sharia, he only developed it to suit the needs of today's society. This research is considered important in current developments with growing legal needs.

Reinterpretation of Controversial Verses in Qasidah Burdah from the Perspective of Ahlus Sunnah Waljamaah Islamic Boarding Schools Luqman, Luqman; Siddiq, Muhammad Yusuf; Rosmini, Rosmini; Safitri, Nuri; Slama, Fathi Ben
Al Irsyad: Jurnal Studi Islam Vol. 5 No. 1 (2026): Al Irsyad: Jurnal Studi Islam
Publisher : STAI Publisistik Thawalib Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54150/alirsyad.v5i1.991

The verses of Qasidah Burdah have long been debated, as some contemporary scholars argue that they contain elements of ghuluw (excessive veneration), polytheism, and the deification of the Prophet. This study seeks to reinterpret these controversial verses through the perspective of Ahlus Sunnah Waljamaah Islamic boarding schools, examining them from textual, spiritual, and social dimensions. This research employs a qualitative field approach, including interviews with religious scholars, direct observations in Islamic boarding schools, and analysis of relevant documents, books, and academic journals discussing interpretations of Burdah. The findings indicate that Ahlus Sunnah Waljamaah scholars do not understand Qasidah Burdah as a literal text promoting polytheism. Rather, it is viewed as a highly sophisticated literary work rich in symbolic language and rhetorical beauty. Expressions of praise toward the Prophet are interpreted as manifestations of love (mahabbah), means of tawasul, and instruments for moral and character education among students. In institutions such as Al-Khairat in Palu and Ar-Riyadh in Palembang, Burdah is recited regularly as a form of dhikr, spiritual therapy, and a practice that fosters communal solidarity. Its linguistic features, such as majaz (metaphor), kinayah (allusion), tashbih (simile), and tawriyah (double entendre), demonstrate its aesthetic depth. Furthermore, the recitation of Burdah functions as a religious ritual that strengthens Sufi traditions and serves as a means of seeking intercession (shafa‘ah) and blessings. Ultimately, this study highlights Qasidah Burdah as a spiritually meaningful literary work that supports a moderate theological understanding.

Tinjauan Literatur : Komparasi Certainty Factor dan Naïve Bayes untuk Diagnosis Penyakit Wijayanti , Anis; Luqman, Luqman; Agtriadi, Herman Bedi
Journal of Authentic Research Vol. 5 No. 2 (2026): May
Publisher : LITPAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/b2f43293

Penelitian ini merupakan kajian literatur yang bertujuan menganalisis dan membandingkan metode Certainty Factor (CF) dan Naïve Bayes (NB) dalam pengembangan sistem diagnosis penyakit berbasis kecerdasan buatan. Kedua metode tersebut digunakan untuk meningkatkan akurasi dan efisiensi proses pengambilan keputusan dalam sistem pakar medis. Metode CF menerapkan pendekatan inferensi berbasis aturan untuk mengelola ketidakpastian melalui nilai tingkat keyakinan, sedangkan NB menggunakan prinsip probabilistik yang efektif dalam klasifikasi data medis berskala besar. Analisis dilakukan terhadap artikel ilmiah terpilih yang diterbitkan dalam lima tahun terakhir dan membahas penerapan kedua metode pada berbagai kasus diagnosis penyakit, termasuk diabetes, kanker, dan gangguan hormonal. Hasil kajian menunjukkan bahwa CF lebih sesuai untuk sistem pakar dengan basis pengetahuan eksplisit dan kebutuhan interpretasi tinggi, sedangkan NB menunjukkan performa yang lebih unggul pada data dengan distribusi statistik yang jelas dan volume besar. Perbandingan dilakukan berdasarkan tiga indikator utama, yaitu akurasi, kompleksitas implementasi, dan kemudahan interpretasi hasil. Temuan penelitian ini diharapkan menjadi acuan dalam pemilihan metode yang tepat untuk pengembangan sistem pakar diagnosis penyakit di bidang ilmu komputer dan kesehatan digital, sekaligus memperkuat penerapan kecerdasan buatan dalam mendukung diagnosis medis yang efisien dan berbasis data. This study presents a literature review aimed at analyzing and comparing the Certainty Factor (CF) and Naïve Bayes (NB) methods in the development of artificial intelligence–based disease diagnosis systems. Both methods are employed to enhance the accuracy and efficiency of decision-making processes in medical expert systems. The CF method applies a rule-based inference approach to handle uncertainty using confidence values, whereas NB employs a probabilistic approach that is effective for large-scale medical data classification. The analysis was conducted on selected scientific articles published within the last five years, discussing the implementation of both methods in various disease diagnosis cases, including diabetes, cancer, and hormonal disorders. The results indicate that CF is more suitable for expert systems requiring explicit knowledge representation and high interpretability, while NB demonstrates superior performance in scenarios involving large data volumes with well-defined statistical distributions. The comparison focuses on three main indicators: accuracy, implementation complexity, and result interpretability. The findings are expected to serve as a reference for selecting appropriate methods in developing medical expert diagnosis systems within the fields of computer science and digital health, and to strengthen the application of artificial intelligence in supporting data-driven and efficient medical diagnostics.

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