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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

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.

PEMBATALAN PESANAN DI PT GO-JEK DALAM PERSPEKTIF KOMPILASI HUKUM EKONOMI SYARIAH (KHES) Salsabilla, Naya Atiqa; Syahbudi, Syahbudi; Anggriana, Anggita
Al-Aqad Vol. 4 No. 2 (2024): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v4i2.3402

This study aims to determine the factors that cause cancellation of orders between drivers and consumers on the Go-Jek application. Knowing the KHES view on canceling orders between drivers and consumers on the Go-Jek application. The research uses qualitative research methods with the type of field research and normative sociological approach. Data collection techniques used by researchers are observation methods, interviews with sources and documentation. Data analysis researchers do data reduction, data display, and conclusion drawing. Then the data is checked for validity by tringulation of sources. The argument of this research is that the implementation of order cancellation both by consumers and drivers is influenced by legal awareness that is paragmatic, but accommodates the wishes of the parties. This research provides an understanding of several factors that cause the cancellation of orders between drivers and consumers in the Go-Jek application including: 1. From the consumer's point of view: long pick-up time due to weather or vehicle problems, Driver's identity does not match the application, the vehicle number does not match the Driver's account. 2. From the Driver's point of view: the order is too far above 4 km so the cost of gasoline is high, there is a problem with the vehicle. According to KHES, the relationship between consumers and Gojek drivers can be seen as an Ijarah contract. However, KHES prohibits unilateral cancellation unless there are legally justified reasons.

ANALISIS HUKUM ISLAM PERMAINAN HIGGS DOMINO ISLAND DI KALANGAN MAHASISWA IAIN PONTIANAK Triandryani, Rizka; Syahbudi, Syahbudi; Pulungan, Ishar
Al-Aqad Vol. 4 No. 2 (2024): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v4i2.3403

This research aims to find out the factors that encourage the Higgs Domino Island (HDI) game to be popular among IAIN students and to find out the views of Islamic Law related to chip buying and selling transactions. This research uses qualitative research methods with the type of field research and normative sociological approach. The data source uses primary data obtained from interviews with IAIN Pontianak students, while secondary data is obtained from various sources, namely book journals and the internet that are relevant to the focus of the research. Data collection techniques were obtained by conducting observations, interviews, and documentation. Data analysis was conducted through data reduction, data display, and conclusion drawing. Then the data is checked for validity by triangulating sources, triangulating data. This research shows that the practice of buying and selling Higgs Domino Island game chips starts from various social media such as Facebook, WA, and various other applications but buyers and sellers can also trade their chips in a direct way such as fellow friends, buyers easily buy their chips. Buying and selling in the online game Higgs Domino Island is the object that is traded which is not materially handed over in the hand, but the object can be utilized and also transferred. The transaction of buying and selling HDI online game chips Ijab and Qabul is clear. Because it is clear that the seller sells something with awareness, and the buyer also buys something that is sold. However, from the point of view of the terms and conditions, the sale and purchase of chips in HDI online games contains elements of maysir, so it is not in accordance with Islamic Law.

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

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

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

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.

ANALISIS PRAKTIK JAMINAN FIDUSIA PADA JUAL BELI KENDARAAN BERMOTOR DI AREA PONTIANAK BARAT DALAM PERSPEKTIF HUKUM EKONOMI SYARIAH Hamidah, Sri; Syahbudi, Syahbudi; Bakar, Abu
Al-Aqad Vol. 1 No. 2 (2021): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v1i2.362

Penelitian ini merupakan penelitian lapangan yang bersifat deskriptif, analisis, komparatif dengan menggunakan pola pendekatan sosiologis dan normatif. Penelitian ini menggunakan dua teori yaitu teori jaminan fidusia secara umum dan jaminan menurut Hukum Ekonomi Syariah (HES). Selain itu, peneliti menggunakan dua teori ini untuk menganalisis praktek, konsep, dan mekanisme jaminan fidusia secara umum dan jaminan di dalam HES secara keseluruhan pada perusahaan pembiayaan kendaraan bermotor. Penelitian ini beragumentasi bahwa bentuk dan isi perjanjian pembiayan konsumen dengan jaminan fidusia pada perusahaan pembiayaan umum yang ada di Pontianak Barat merupakan perjanjian standar. Perjanjian pembiayaan tersebut dibuat oleh perusahaan secara tertulis dan disertai materai. Pelaksanaan perjanjian ini berdasarkan hukum perdata terdiri atas dua sumber yaitu asas kebebasan berkontrak dan perundang-undangan di bidang hukum perdata. Peneliti menemukan hambatan-hambatan yang muncul dalam pelaksanaan perjanjian yakni terjadinya penunggakan sehingga mengarah pada terjadinya wanprestasi. Pengalihan kendaraan atau over credit pada pihak lain. Diharapkan nanti, proses pelaksanaan perjanjian antara kreditur dan debitur dapat melakukan perjanjian dan pelaksanaan jaminan fidusia sesuai standar yang terdapat dalam UU No.42 Tahun 1999 dan dalam konsep hukum perjanjian, al-rahn dapat dianalogikan sebagai perjanjian ’accesoir’ atau perjanjian ikutan (tambahan). Sebagai konsep hukum jaminan, al-rahn dapat dianalogikan sebagai lembaga jaminan sebagaimana lembaga jaminan konvensional lain yang juga merupakan perjanjian ’accesoir’, yaitu hak tanggungan, fidusia dan gadai. Konsep tolong menolong tersebut terimplementasi dalam bentuk pinjam meminjam, tolong menolong inilah yang merupakan ciri khas dari konsep al-rahn atau jaminan syariah. Kata Kunci: Hukum Ekonomi Syariah, Jaminan Fidusia, Jual Beli

TINJAUAN FATWA MUI NOMOR: 1/MUNAS VII/MUI/5/2005 TENTANG HAK KEKAYAAN INTELEKTUAL (HaKI) TERHADAP PRAKTIK JUAL BELI BUKU FOTOKOPI DI SINTANG Susirawati, Susirawati; Syahbudi, Syahbudi; Wibowo, Arif
Al-Aqad Vol. 2 No. 1 (2022): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v2i1.764

The main point of this research is that the cost of buying and selling photocopies in the city of Sintang, West Kalimantan.. In this context, "cheap" means "affordable cost", "easy access", "useful", and "alternative options for people to meet needs". This study is a type of legal research that takes a qualitative approach and uses descriptive analysis. At the same time, the data collection procedure uses primary data (field research), such as observations, interviews, and documentation, so that researchers can process them. Books related to research topics and research results in the form of theses, theses, journals, and articles are examples of secondary data (library research). The analysis technique that the researchers use is the editing, classification, verification, and concluding stages. While in the data validity test stage, researchers use triangulation and member-check. The results show that; 1) This book sale and purchase transaction was motivated by a low price and market demand and availability of the photocopied book; 2) There is a form of difficulty in the process of finding original books and is also motivated by the limited economic conditions of consumers/buyers; 3) In the practice of buying and selling this book, there is a change of applicable law. The practice was originally considered haram but is now acceptable for individuals who have difficulty finding the original book; 4) In this study, two laws apply under two conditions, namely, buying photocopies for customers with sufficient and unimpeded funds is haram, while buying photocopies for consumers who have difficulty getting original books and with limited funds is legal. Keywords: Photocopy Book, MUI Fatwa, Intellectual Property Rights, Buying and Selling

KUPON BERHADIAH MENURUT TOKOH AGAMA DESA SUNGAI MALAYA KECAMATAN SUNGAI AMBAWANG KABUPATEN KUBU RAYA Anshori, Anshori; Syahbudi, Syahbudi; Rahmiani, Nur
Al-Aqad Vol. 2 No. 2 (2022): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v2i2.865

This study aims to determine the experience of small traders in Sungai Malaya Village in practicing buying and selling with prize coupons and the responses of religious leaders regarding the law related to the practice. This study uses a qualitative method with empirical legal research as the object of the practice of prize coupons in Sungai Malaya Village, Sungai Malaya District, Kubu Raya Regency. Sources of data used primary data in the form of interviews with informants while secondary data in the form of books, journals, theses, and related articles discussing the sale and purchase of prize coupons. While the data collection technique is a field technique. According to the results of the researcher's analysis, it can be concluded that: 1) The practice of gift coupons packaged in the form of rectangular coupons in the Sungai Malaya Village community, Sungai Ambawang District, Kubu Raya Regency is carried out by withdrawing the available coupons and the seller offering attractive prizes. 2) Religious leaders in Sungai Malaya Village, Sungai Ambawang District, Kubu Raya Regency, regarding the prize coupons did not allow this practice because it favored one party, and there was an element of maisir or gambling. 3) Opinions of religious leaders are based on textual concepts (referring to the Qur'an and hadith) and contextual concepts (chance and pure luck).

ANALISIS PERJANJIAN MENGENAI BIAYA TAMBAHAN PADA SHOPEE PINJAM MENURUT KETENTUAN FATWA DSN-MUI Khairunnisa, Della; Syahbudi, Syahbudi; Ulya, Nanda Himmatul
Al-Aqad Vol. 3 No. 1 (2023): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v3i1.1731

This research is motivated by the existence of various additional fees in Shopee Pinjam (SPinjam), but with regard to the meaning of this additional fee, several scholars do not agree on the exact meaning of this additional fee. Therefore, the researcher wants to examine the meaning of additional fees in Shopee Pinjam from the perspective of the fatwa of the National Sharia Council-Majelis Ulama Indonesia whether it is contradictory or not. This research employs normative and empirical research methods. The results of this study indicate that: 1) SPinjamm users know the amount of additional fees from the beginning. The additional fees in SPinjam are a 5% installment fee, a 1% disbursement fee, a 0.3% SPinjam protection fee, and a 5% late fee. These additional fees are not a burden to users. The additional fees charged in SPinjam can relieve the lender party and can provide prudence to the borrowers so that they are disciplined and not negligent in paying loans. 2) The additional fees in SPinjam are not among the additional fees prohibited in the fatwa of DSN-MUI because these additional fees are part of the improvement and maintenance of the company's systems and facilities. Moreover, this additional fee in SPinjam is in accordance with the general provisions of Fatwa DSN-MUI No. 117/DSN-MUI/2018 in point 5 of the general provisions and Fatwa DSN-MUI No. 19/DSN-MUI/IV/2001 in point 3 of the general provisions.

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