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All Journal Jurnal Ilmiah Ekonomi Islam el-Jizya: Jurnal Ekonomi Islam Southeast Asia Journal of Graduate of Islamic Business and Economics Cross-Border Journal of Business Management
Sri Deti
Institut Agama Islam Sultan Muhammad Syafiuddin Sambas
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Non-Cash Payment Instruments: Perception of Muslim Community Sambas Regency, West Kalimantan Sri Deti
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4532

Abstract

This study aims to reveal how sambas Muslim community's perception of non-cash payment instruments and see what non-cash payment instruments are most widely used by Muslim people in Sambas Regency. This study uses a quantitative approach, where data collection is done by disseminating questionnaires online to the Muslim community in Sambas District which is then measured using a Likert scale. The number of samples was determined using a Slovin formula with a significant rate of 7.9% so that 160 respondents would fill out the questionnaire. The sampling techniques used are random sampling. The results of this study show that the Sambas Muslim community has a good perception of the availability of infrastructure, usefulness, and promotion conducted by Sharia banks related to non-cash payment instruments. In addition, the Sambas Muslim community also realizes that using non-cash payment instruments has two sides that must be considered, in addition to having many advantages must also remain careful to avoid or minimize the risks that can befall at any time. It is recommended to the next researchers to conduct research using more in-depth analysis to see the influence of the use of non-cash payment instruments on various aspects in Sambas Regency.
Potential of Traditional Markets in Improving The Economy of Muslim Traders (Case Study in Pasar Rabu, Galing District, Sambas Regency) Sri Deti
el-Jizya : Jurnal Ekonomi Islam Vol. 11 No. 1 (2023): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v11i1.6816

Abstract

ABSTRACT This study seeks to analyze and qualitatively descriptive of the potential of the Wednesday Market in Galing District, Sambas Regency, and how the market can improve the economy of Muslim traders. Data collection techniques in the form of observation, interviews, and documentation. While the primary data source is Muslim traders and the secondary data source is the Head of Galing Village. The data validity techniques used are triangulation techniques and continuous observation techniques. The results of the study revealed that the traditional market which is a type of weekly market in the Galing District has the potential to improve the economy of traders, especially Muslim traders because Pasar Rabu has met the analysis criteria in determining market potential, namely meeting the needs and desires of the community, having clear market segmentation, meet targets, added value, product life span and fair market competition. Supporting and inhibiting factors for traders in improving the economy at Pasar Rabu, namely: Supporting Factors: Adequate human resources and well-managed natural resources, the ability to use technology and capital resources, and the level of security that is maintained. Inhibiting factors: lack of government attention, unavailability of infrastructure needed by traders, and global inflation.
Comparative Study Of Murabaha Financing At Kalbar Syariah Bank And Mandiri Syariah Bank Branch Sambas Vera Ayu Oktovia Sari; Sri Deti; Ubabuddin
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 2 No. 1 (2023): Mei
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v2i1.2221

Abstract

One of the most popular Fiqh schemes used by Islamic banking is the Murabaha Buy-Sell Scheme. This Murabahah transaction was commonly carried out by the Prophet Muhammad, and his companions. The activities of Islamic banks are to collect funds from customers, distribute funds and other banking services. Islamic banks in its operations started from the collection of public funds in the form of demand deposits, savings and deposits. The funds raised were distributed in the form of financing, namely Murabaha, Musharakah, qardh, ijarah and services financing. The funds were distributed to customers in the form of working capital financing, consumption financing, working capital financing and investment. The focus of this study are: 1) How is the practice of Murabaha financing in Kalbar Syariah Bank Sambas branch? 2) What is the practice of Murabaha financing at Syariah Mandiri Bank Sambas branch? 3) What is the comparison of Murabaha financing at Kalbar Syariah Bank and Syariah Mandiri Bank Sambas branch? The purpose of this study was to describe, identify, uncover and analyze the financing practices in Kalbar Syariah Bank and Syariah Mandiri Bank branch sambas. This research is a field research (Field research) or qualitative research, qualitative research is more emphasis on the process than the product or outcome. Qualitative research focuses more on research that is a process, such as interaction between humans in a community, the process of implementing work, the development of a symptom or civilization. The researcher concluded that in distributing Murabaha Financing Kalbar Syariah Bank and Syariah Mandiri Bank both provide the conditions set by Bank Indonesia, and in the Murabaha financing process there is a difference between the total amount of financing installments of the two banks. Syariah Mandiri Bank Murabaha financing cheaper than Kalbar Syariah Bank, but judging from the interest of customers who do the financing, between Syariah Mandiri Bank with Kalbar Syariah Bank is more interested in financing at Kalbar Syariah Bank. The reason why the interest in Kalbar Syariah Bank is more than in Syariah Mandiri Bank, because the financing process, especially on the terms and the decision process does not take a long time and quickly.
The Influence Of Knowledge And Service On Public Interest In Using Mudharobah Saving Products At Bank Kalbar Sharia Sambas Branch Misbun; Sri Deti; Beti Yanuri Posha
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 2 No. 1 (2023): Mei
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v2i1.2293

Abstract

This study departs from the public's interest in transacting in Islamic banking, one of which is from the level of knowledge and service the bank itself has for customers, the more understanding and services provided, the higher the interest in transacting at Bank Kalbar Syariah Sambas Branch with a Research Focus How does variable X1 influence (knowledge) of variable Y (intention to save) on mudharabah savings products, at Bank Kalbar Syariah Sambas Branch?. This research uses quantitative methods, including field studies. Data collection techniques through interview techniques and questionnaire surveys in the form of questionnaires were then analyzed using the classical assumption test, multicollinearity, non-autocorrelation test, and non-heteroscedasticity test. The results of the study show the following hypotheses t test (Partial), customer knowledge partially influences the intention to save, service partially influences the intention to save. Meanwhile, based on the results of the F test on the ANOVA table it shows that the F value is 854,188 with a probability value of 0,000 so < 0.05. Then F count > F table, namely 854,188 > 3,088 so based on the hypothesis used in this study H1 is accepted and H01 is rejected, H2 is accepted and H02 is rejected, and H3 is accepted and H03 is rejected thus knowledge and service of the Sambas Branch Sharia Bank Kalbar simultaneously affect interest in saving
THE EXISTENCE OF ALFAMART AND INDOMARET: THE IMPACT ON THE SUSTAINABILITY OF SMALL TRADERS IN THE INDONESIA-MALAYSIA BORDER REGION Sri Deti; Abdul Rizal
Cross-Border Journal of Business Management Vol. 1 No. 2 (2021): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The presence of Indomaret in Galing Village, Galing District in 2016 and followed by Alfamart in 2018 raised public concerns, especially small traders, that the presence of the two modern stores would threaten the business continuity of small traders. This study uses a descriptive qualitative approach, with the data sources used are small traders in Galing Village whose store locations are adjacent to Alfamart and Indomaret. Data collection techniques using observation, interviews, and documentation. The results showed that from four aspects such as capital, human resources, production and marketing carried out by small traders in Galing Village, they were far below the capabilities possessed by Alfamart and Indomaret, however, although affected by the presence of Alfamart and Indomaret, the businesses run by the small traders do not necessarily close. These businesses can still run because they already have their customers. Not everyone in rural areas likes to shop at minimarkets and not all the things people need are in modern stores. Then in terms of business competition between small traders in Galing Village with Alfamart and Indomaret, it is following a business competition in Islam, namely from the side of the competing parties, the way of competing and the object being competed does not violate Islamic law.
Co-Authors Abdul Rizal Beti Yanuri Posha Misbun Ubabuddin Vera Ayu Oktovia Sari