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All Journal Jurnal Ilmiah Peuradeun Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Khatulistiwa: Journal of Islamic Studies Jurnal Ekonomika Dan Bisnis Jurnal Ekonomika Manajemen Dan Bisnis Jurnal Keuangan dan Perbankan Syariah
Syahbudi, Syahbudi
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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STRATEGI PENGEMBANGAN PRODUK PEMBIAYAAN MURABAHAH DALAM UPAYA MENGEMBANGKAN UMKM PADA BSI KANTOR CABANG DIPONEGORO KOTA PONTIANAK Yuliani, Sri; Syahbudi, Syahbudi; Yulia, Yulia
Jurnal Keuangan dan Perbankan Syariah Vol 2 No 1 (2023): Juni 2023
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v2i1.1748

Abstract

Penelitian ini bertujuan untuk mengetahui strategi pengembangan produk pembiayaan murabahah dalam upaya mengembangkan UMKM pada BSI Kantor Cabang Diponegoro Kota Pontianak dan mengetahui kendala dalam pengembangan strategi pengembangan produk pembiayaan murabahah dalam upaya mengembangkan UMKM pada BSI Kantor Cabang Diponegoro Kota Pontianak.Metode penelitian yang digunakan dalam penelitian ini adalah deskriptif dengan pendekatan kualitatif. Jenis penelitian lapangan dengan mewawancarai Pimpinan Cabang, Finance Support Manager, dan Unit Head Mikro BSI Kantor cabang Diponegoro. Selain itu menggunakan dokumentasi dalam pengumpulan data-data dari lapangan. Triangulasi dilakukan dengan mewawancarai nasabah UMKM.Hasil penelitian yang diperoleh menunjukkan bahwa strategi pengembangan produk pembiayaan murabahah Bank Syariah Indonesia Kantor Cabang Diponegoro dikelompokkan menjadi dua, yaitu internal dan eksternal. Dari sisi internal dilakukan pengecekan kelengkapan data pengajuan pembiayaan seperti bukti fisik administrasi, jaminan, surat pernyataan kesanggupan, dan survey lapangan. Dari sisi eksternal, mengacu kepada menjemput bola dengan mendatangi nasabah secara langsung ke rumah, pasar, kantor, dan sekolah. Kendala dalam pengembangan strategi pengembangan produk pembiayaan murabahah dalam upaya mengembangkan UMKM pada BSI Kantor Cabang Diponegoro Kota Pontianak adalah nasabah yang melakukan pembiayaan murabahah tidak sesuai dengan aturan bank, kedisiplinan dalam pembayaran angsuran, dan penghasilan nasabah yang tidak tetap.
Pengaruh Pemahaman dan Kemudahan Terhadap Keputusan Menggunakan Sistem Transaksi Digital Quick Response Code Indonesian Standart (QRIS) pada Pelaku Usaha Mikro Kecil dan Menengah (UMKM) di Kota Pontianak Arnanda, Ridho; Syahbudi, Syahbudi; Yulia, Yulia; Safri, Hayanuddin
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 8 No 1 (2025): Artikel Riset Januari 2025
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v8i1.1810

Abstract

Penggunaan Quick Response Code Indonesian Standart (QRIS) semakin meningkat di kalangan pelaku Usaha Mikro Kecil dan Menengah (UMKM) di Kota Pontianak, hal ini berkat adanya kemudahan transaksi dan kemudahan penggunaan di mana pemahaman yang baik tentang cara kerja dan proses implementasi QRIS berperan penting dalam keputusan penggunaannya. Dalam konteks ekonomi syariah, QRIS harus sesuai dengan prinsip syariah agar dapat diterapkan secara transparan dan adil. Meskipun ada pertumbuhan signifikan dalam jumlah pelaku usaha yang menggunakan QRIS masih terdapat keraguan dari sebagian UMKM untuk memutuskan menggunakan QRIS. Penelitian ini bertujuan untuk mengetahui pengaruh pemahaman dan kemudahan terhadap keputusan UMKM Kota Pontianak dalam menggunakan QRIS. Penelitian ini menggunakan metode kuantitatif, sumber data penelitian yaitu data primer dan sekunder. Pengumpulan data dilakukan dengan menyebarkan kuisioner. Data kemudian dinalisis menggunakan SPSS versi 25. Hasil penelitian menunjukkan bahwa (1) pengaruh pemahaman berkontribusi sebesar 29,78% terhadap keputusan UMKM untuk menggunakan QRIS, (2) pengaruh kemudahan berkontribusi sebesar 20,66% terhadap keputusan UMKM untuk menggunakan QRIS. QRIS, sebagai sistem transaksi digital QRIS dari Bank Indonesia menawarkan kemudahan transaksi serta sesuai prinsip syariah, dan menjadinyya solusi pembayaran yang adil dan transparan. Dengan menyederhanakan proses pembayaran, mengurangi biaya operasional, dan meningkatkan akses pasar, QRIS mendukung efisiensi dan keberlanjutan operasional UMKM di Kota Pontianak. Kata Kunci: Kemudahan, Keputusan Penggunaan, Pemahaman, QRIS, UMKM
Navigating Modernity and Tradition: Strategic Practices in Islamic Schools at The West Kalimantan-Malaysia Border Misdah, Misdah; Soemantri, Asep Iwa; Syahbudi, Syahbudi; Wajdi, Muh Barid Nizarudin
Jurnal Ilmiah Peuradeun Vol. 13 No. 2 (2025): Jurnal Ilmiah Peuradeun
Publisher : SCAD Independent

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26811/peuradeun.v13i2.2040

Abstract

This study explored the strategic management practices adopted by Kyai in Islamic boarding schools along the West Kalimantan-Malaysia border, focusing on overcoming challenges posed by geographical isolation and limited resources. Employing a qualitative case study methodology, interviews were conducted with key stakeholders, including Kyai, Ustadz, and Madrasah Heads, to gather insights into their strategic management approaches. The findings indicated that Kyai plays a pivotal role in institutional growth through systematic strategic planning, which includes conducting SWOT analyses, developing strategic documents, and ensuring structured implementation. The study highlighted how effective leadership and strategic planning are crucial in driving institutional transformation and sustainability in resource-constrained settings, demonstrating the dynamic adaptation of traditional educational models to modern educational demands. The implications of this research suggest that adapting traditional educational frameworks to contemporary management practices enhances institutional capabilities to navigate modern educational and socio-economic challenges, providing a model for similar educational institutions in resource-limited settings.
Persepsi Masyarakat Kota Pontianak Terhadap Wacana Redenominasi Rupiah Di Indonesia (Studi Kasus Pelaku UMKM Di Kota Pontianak) Ekajaya, Candra; Syahbudi, Syahbudi; Bustami, Bustami; Safri, Hayanuddin
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 4 No. 6 (2024): November - Desember
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v4i6.2173

Abstract

Redenomination is included in the Ministry of Finance's 2020-2024 strategic plan and will be realized in the near future. Redenomination offers many benefits for the economy, but its implementation must be careful to avoid hyperinflation. One important factor in the success of redenomination depends on people's knowledge about redenomination, which will influence their perceptions. Wrong perceptions can make people reject redenomination because it is considered the same as sanering. Therefore, a study of public perception is needed before implementing redenomination. This research uses the Spearman Rank Correlation method with a sample of 100 MSMEs in Pontianak City. Data was collected through a questionnaire with a 5 point Likert scale. The research results show that the public has adequate (good) knowledge and perceptions regarding the government's plans to implement the redenomination policy. The amount of income has no implications for the public's perception regarding the redenomination plan that will be implemented by the government, and the level of education has no implications for the public's perception regarding the redenomination plan that will be implemented by the government.
The Involvement and Resistance of Islamic Defence Action (ABI) at Islamic Student Organization in Pontianak City Syahbudi, Syahbudi; Fachrurrazi, Fachrurrazi
Khatulistiwa Vol 10, No 1 (2020)
Publisher : The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/khatulistiwa.v10i1.1404

Abstract

The phenomena of Islamic Defence Action (ABI) has been raising two argumentations: Firstly, the strengthening of religious conservatism. Secondly, ABI is better organized by conservative group and Muslim middle class such as Muslim student activist. One of the agenda is propagating ABI’s ideas at various regions in Indonesia which used to campaign a slogan “It’s time for Muslims resurgence”, such as in Solo, Aceh, Medan, Yogyakarta, Palembang and other areas. This article argues that ABI at Islamic student activists becomes plasticity as a religious discourse but instability as a common identity to shape a new Islamic social movement agenda in Pontianak. This research focuses on how to understand the forms of engagement and resistance to ABI in context of strengthening pluralism and religious tolerance in Pontianak.
Gaya Hidup Flexing Masyarakat Kecamatan Pontianak Kota Dalam Perspektif Ekonomi Syariah Prilijayanti, Dewi; Ruslan, Ismail; Syahbudi, Syahbudi; Safri, Hayanuddin
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 4 No. 2 (2025): Juli-Desember
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jemb.v4i2.3170

Abstract

The phenomenon of flexing lifestyle—showing off luxury goods, social status, or personal achievements—has become increasingly prevalent among housewives in Pontianak Kota District along with the rapid growth of social media. This study aims to explore the role of social media in encouraging flexing behavior, the dynamics of social competition in building self-image, and its impact on household financial management. This research employed a qualitative descriptive approach with in-depth interviews and participatory observation. The findings reveal that social media significantly influences flexing practices, particularly through the consumption of branded goods, participation in social activities, and engagement with fashion and beauty trends. Such behavior has economic implications, including higher consumptive spending and the potential risk of financial imbalance within households. From an Islamic economic perspective, flexing contradicts the principle of al-iqtisad (moderation) and tends to lead to israf (wastefulness). Therefore, Islamic financial literacy is urgently needed to foster wise consumption patterns and promote sustainable family welfare.
Co-Authors Arnanda, Ridho Bustami Bustami Ekajaya, Candra Fachrurrazi Fachrurrazi misdah, misdah Prilijayanti, Dewi Ruslan, Ismail Safri, Hayanuddin Soemantri, Asep Iwa Sri Yuliani Wajdi, Muh Barid Nizarudin Yulia Yulia