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All Journal I-ECONOMICS: A Research Journal on Islamic Economics Journal of Information System, Applied, Management, Accounting and Research Jurnal E-Komtek Idealis : Indonesia Journal Information System Asy Syar'iyyah: Jurnal Ilmu Syari'ah dan Perbankan Islam Jurnal Ekonomika Dan Bisnis Jurnal Sosial dan Sains Innovative: Journal Of Social Science Research Neraca Manajemen, Akuntansi, dan Ekonomi Majapahit Journal of Islamic Finance and Management Majapahit Journal of Islamic Finance dan Management Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research Journal of Industrial and Syariah Economics Syaikhuna: Jurnal Pendidikan dan Pranata Islam STAI Syaichona Moh. Cholil Bangkalan
Luqman, Luqman
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Religion Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Public Health Social Sciences Other

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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

Abstract

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

Abstract

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

Abstract

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

Abstract

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

Abstract

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.
Co-Authors Ade Eka Anggraini Afandi, Adam Ali, Jati Kusuma Anisa Anisa Arimbi, Tania Atiqah, Nur Bedi Agtriadi, Herman Bedi, Herman Dalimunthe, Hamdani Dewi Arianti Wulandari Dwi Surya Atmaja Fatikh Inayahtur Rahma Hairunisah, Rani Pratiwi Halimah Halimah Ibrahim Ibrahim Ichwanto, Bagus Ilhamdi, Ilhamdi Intan Purnama Sari Kusumayanti, Fitri Mashuda, Ahmad Arfan Mustholihah, Helly Ummi Nur Hamzah Prihantono, Prihantono Rahmah Yulisa Kalbarini, Rahmah Yulisa Ruslan, Ismail Susanti, Meilia Triastuti, Fitri Uswatun Hasanah Verdianti, Verdianti