Article Per Year (5 Year)
p-Index From 2020 - 2025
3.582
P-Index
This Author published in this journals
All Journal Laa Maisyir Jurnal Ekonomi Islam Forum Ekonomi : Jurnal Ekonomi, Manajemen dan Akuntansi Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen SEIKO : Journal of Management & Business Dinasti International Journal of Digital Business Management Jurnal Adat dan Budaya Indonesia Santri: Journal of Pesantren and Fiqh Sosial Dikmas: Jurnal Pendidikan Masyarakat dan Pengabdian Jurnal Iqtisaduna Jurnal Ekonomika: Manajemen, Akuntansi & Perbankan Syari'ah Balanca : Jurnal Ekonomi dan Bisnis Islam Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Cakrawala: Jurnal Pengabdian Masyarakat Global Sanskara Ekonomi dan Kewirausahaan The Es Economics and Entrepreneurship AMMA : Jurnal Pengabdian Masyarakat Irajagaddhita : Jurnal Pengabdian dan Pemberdayaan Masyarakat Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen
Muh Shadiqul Fajri AF
Universitas Mulawarman
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Nursing Social Sciences Other

Published : 22 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 22 Documents
Search

 1   2   3 
Penerapan Shariah Compliance dalam Alur Pembiayaan Murabahah pada Bank Muamalat Indonesia Cabang Makassar Muh Shadiqul Fajri AF
Jurnal Iqtisaduna Vol 6 No 1 (2020)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v6i1.14061

Abstract

Pandangan sebagian kalangan bahwa bank syariah sejatinya sama saja dengan bank konvensional merupakan salah satu faktor penghambat tumbuhnya entitas perbankan syariah di Indonesia. Melekatnya label “syariah” pada entitas perbankan syariah memberikan tanggung jawab yang besar pada entitas tersebut. Perbankan syariah dituntut untuk menjalankan prinsip syariah dalam setiap aktifitasnya. Karena itu, keabsahan dan pemenuhan terhadap kepatuhan syariah (shariah compliance) adalah keharusan. Penelitian ini bertujuan untuk mengetahui penerapan shariah compliance dalam alur proses pembiayaan murabahah pada Bank Muamalat cabang Makassar. Penelitian ini menggunakan metode deskriptif-kualitatif dengan pendekatan teologi normatif menggunakan teknik penelitian lapangan (field research) yang menfokuskan kepada alur proses pembiayaan murabahah. Hasil penelitian menunjukkan bahwa; (1) Pembiayaan murabahah menggunakan skema bai’ li al-amri bi al-syira’ dengan menggunakan perantara akad wakalah. (2) Dalam penyaluran pembiayaan murabahah terjadi beberapa kekeliruan yang menyalahi prinsip syariah, diantaranya; a) Penandatanganan akad wakalah dan akad murabahah dilakukan secara bersamaan. b) Bank Muamalat Indonesia belum menguasai objek murabahah secara sempurna pada saat melakukan akad murabahah dengan nasabah. c) Bank Muamalat Indonesia menyetujui proses pembiayaan murabahah nasabah dimana pihak nasabah sebelumnya telah melakukan akad jual beli dengan pihak developer/pemilik rumah.
Disfunction of Wakalah Contract in Murabahah Financing of Sharia Banking in Indonesia Muh. Shadiqul Fajri AF; Gagaring Pagalung; Muslimin H. Kara
SEIKO : Journal of Management & Business Vol 5, No 1 (2022): January - Juny
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v5i1.1331

Abstract

Murabahah financing is the most dominant financing product in Islamic banking entities in Indonesia. Several factors make murabahah financing more dominant than other financing products, including; First, the murabahah financing scheme is simpler so that it is easier for the public to understand. Second, the amount of profit margin can be known at the beginning of the contract and is fixed until the financing period ends. The application of murabahah financing in Islamic banking in Indonesia uses the murabahah bil wakalah scheme. This study uses a descriptive-qualitative method with a normative theological approach using field research techniques that focus on the flow of the murabahah bil wakalah financing process. The results showed that there was an error in the application of the murabahah bil wakalah scheme where the murabahah and wakalah contracts were signed and agreed upon in the same assembly. This of course violates the rules in muamalah fiqh which makes a murabahah (buying and selling) contract turn into a qardh (debts) contract. So, the real transaction that occurs between the Islamic banking party and the customer is a debt-receivable contract transaction, not a sale and purchase agreement.
Sosialisasi Perbankan Syariah di Madrasah Aliyah Negeri 1 Samarinda Swadia Gandhi Mahardika; Abiyajid Bustami; Muh Shadiqul Fajri AF; Rinna Ramadhan Ain Fitriah
Dikmas: Jurnal Pendidikan Masyarakat dan Pengabdian Vol 3, No 1 (2023): March
Publisher : Magister Pendidikan Nonformal Pascasarjana Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37905/dikmas.3.1.69-76.2023

Abstract

Dasar perbankan syariah mengacu kepada ajaran agama Islam yang bersumber pada al-Qur’an, al-Hadits/ as-Sunnah, dan Ijtihad. “Bank Syariah adalah bank yang kegiatan usahanya dilakukan berdasarkan prinsip syariah. Sedangkan prinsip syariah adalah aturan perjanjian berdasarkan hukum Islam” (UU No. 21/2008 tentang Perbankan Syariah). Bank Syariah adalah bank yang beroperasi dengan tidak mengandalkan pada bunga. Bank Islam atau biasa disebut dengan Bank Tanpa Bunga, adalah lembaga keuangan/perbankan yang operasional dan produknya dikembangkan berlandaskan pada al-Quran dan Hadits Nabi SAW, dengan kata lain Bank Syariah adalah lembaga keuangan yang memiliki usaha pokok memberikan pembiayaan dan jasa-jasa lainnya dalam lalu lintas pembayaran serta peredaran uang yang pengoperasiannya disesuaikan dengan prinsip syariat Islam. Kegiatan Pengabdian Kepada Masyarakat yang telah dilakukan telah memberikan manfaat kepada para siswa Madrasah Aliyah Negeri 1 Samarinda. Para siswa menjadi lebih memahami mengenai perbankan syariah, mulai dari dasar dasar perbankan syariah, perbedaan perbankan syariah dengan perbankan konvensional maupun produk produk yang yang dimiliki oleh bank syariah. Pelaksanaan kegiatan pengabdian kepada masyarakat ini telah berjalan sesuai dengan jadwal yang telah direncanakan. Rekomendasi yang dapat di berikan kepada Madrasah Aliyah Negeri 1 Samarinda yaitu kegiatan seperti ini dapat dilaksanakan secara reguler dan berkala, dengan melihat tingkat antusiasme para siswa yang sangat tinggi akan materi-materi mengenai ekonomi syariah.
The The Analysis of Effectiveness on MSME Financing at Sharia Bankaltimtara Samarinda Rinna Ramadhan Ain Fitriah; Muh Shadiqul Fajri AF
The Es Economics and Entrepreneurship Vol. 1 No. 01 (2022): The ES Economics And Entrepreneurship (ESEE )
Publisher : Eastasouth Institute

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

Abstract

The MSME sector has a significant role in improving the national economy, including employment, increasing people's income, and alleviating poverty. Until now, the main problem faced by MSMEs is capital. This study aims to analyze the effectiveness of financing the MSME sector at Sharia Bankaltimtara, Samarinda Branch. The method used is by using a survey method, namely the assessment of customer perceptions based on the procedure for submitting a financing application, the financing mechanism and the impact of the provision of financing on the customer's business development. The effectiveness of financing is measured through quantitative analysis and tested with descriptive statistics. This test informs the customer's assessment score and the average value of customer perceptions of the questions studied using a Likert scale. The population in this study is MSME business actors who receive financing from Sharia Bankaltimtara, Samarinda Branch, while the sample in this study was determined using a purposive sampling technique totaling 30 (thirty) respondents. The research instrument uses a questionnaire or a questionnaire distributed to MSME financing customers. Test the validity and reliability of the instrument using SPSS statistics. The results of the analysis show that the MSME financing of Sharia Bankaltimtara Samarinda Branch has been running effectively, customers assess the MSME sector financing has been carried out very effectively based on the ease of the procedure for submitting a financing application.
KONTRIBUSI INSTRUMEN ZAKAT DALAM MENDUKUNG PEMBANGUNAN BERKELANJUTAN DI KOTA BALIKPAPAN Badrus Syamsi; Abiyajid Bustami; Sugiarto; Muh Shadiqul Fajri AF; Swadia Gandhi Mahardika
Jurnal Ekonomika: Manajemen, Akuntansi, dan Perbankan Syari'ah Vol. 12 No. 1 (2023): Maret
Publisher : Economic Faculty, University of Widya Gama Mahakam Samarinda

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

Abstract

Penelitian ini dilatarbelakangi oleh perkembangan instrumen zakat dalam mendukung pembangunan berkelanjutan di Kota Balikpapan. Hal inilah yang menjadi alasan strategis untuk mensosialisasikan gerakan zakat, bahwa zakat tidak hanya sekedar instrumen keagamaan, tetapi juga merupakan instrumen sosial yang dapat mendukung pembangunan dunia, khususnya kota Balikpapan. Penelitian ini merupakan penelitian dengan pendekatan kombinasi metode (mixed method) yaitu kualitatif dan kuantitatif. Pendekatan kualitatif pada penelitian ini dilakukan dengan cara melakukan kajian dan analisis data berupa observasi dan dokumentasi pada laporan tahunan Baznas Kota Balikpapan yang dilakukan selama kurun waktu antara tahun 2015 sampai dengan tahun 2020. Sedangkan kuantitatif pada penelitian ini digunakan untuk melakukan analisa sejauh mana kualitas instrument zakat dalam mendukung kesejahteraan mustahik. Hasil penelitian menunjukan kontribusi zakat dalam mendukung pelaksanaan SDGs di Baznas Kota Balikpapan dilaksanakan dalam tujuh tujuan SDGs. Berdasarkan klasifikasi model CIBEST, pendayagunaan dana zakat produktif berdampak dalam menurunkan kemiskinan material dan spiritual masing-masing sebesar -35% dan -9.3%, sedangkan dalam peningkatkan kualitas kesejahteraan mustahik, program penyaluran dana zakat produktif berperan sebesar 33% mustahik telah meningkat kesejahteraannya.
Perceptions of civil servant towards sharia bank service: evidence from employees on public works and spatial planning department in Samarinda city Swadia Gandhi Mahardika; Muh Shadiqul Fajri AF; Abiyajid Bustami; Rinna Ramadhan Ain Fitriah; Isna Yuningsih
INOVASI Vol 19, No 2 (2023): Mei
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v19i2.12808

Abstract

The background of this research was the salary distribution for the civil servants. The salary distribution for employees on the Department of Public Works and Spatial Planning or Dinas Pekerjaan Umum dan Penataan Ruang (PUPR) in Samarinda City was from the conventional bank. However, the civil servants mostly used Sharia Bank for their daily activities. The utilization of the Sharia Bank based on the users’ perception. Knowledge and response were the factors to influence this perception. The research aimed to know 1) the perception of civil servants on the Department of Public Works and Spatial Planning in Samarinda City toward the use of Sharia Bank services based on knowledge and response, and 2) the main factor that influenced the civil servants to choose the Sharia Bank. This research was field research with a phenomenology approach. The data collection methods for this research were interviews and documentation. The data was collected from civil servants on the Department of Public Works and Spatial Planning Samarinda City as users of the Sharia Bank services. The research results showed that 1) the perception of civil servants on the Department of Public Works and Spatial Planning in Samarinda City based on the employee’s knowledge and response. The civil servants appraised the Sharia Bank as their first choice. The employees understood about the Sharia Bank such as its products, the bank‟s administration, its strategic place, the Sharia Bank promotion, the service qualities, Sharia Bank‟s facilities, and the fast service transaction. The response was influenced by factors such as culture, technology, social, and psychology. 2) The psychological factor that influences employees using the Sharia Bank services was a self-awareness to have freedom usury. For the civil servants, using the Sharia Bank services brought some benefits such as feel peaceful, secured, and blessed.
Metode perhitungan ujroh akad ijarah multijasa produk pembiayaan umroh Abiyajid Bustami; Muh Shadiqul Fajri AF; Swadia Gandhi Mahardika; Rinna Ramadhan Ain Fitria
FORUM EKONOMI Vol 25, No 2 (2023): April
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jfor.v25i2.12635

Abstract

Penelitian ini bertujuan untuk mengetahui metode perhitungan ujrah pada produk pembiayaan umrah di Amitra Syariah Cabang Samarinda. Penelitian ini merupakan penelitian dengan pendekatan deskriptif analitis, yaitu penelitian yang mengungkapkan suatu masalah dan keadaan sebagaimana adanya. Teknik pengumpulan data dalam penelitian ini adalah wawancara, observasi, dan dokumentasi. Hasil penelitian ini menunjukkan bahwa metode perhitungan keuntungan dalam menetapkan ujrah di Amitra Syariah Cabang Samarinda yaitu menggunakan metode perhitungan anuitas, dengan persentase ujrah yaitu 31% dan dalam menetapkan besaran ujrah berdasarkan pokok pinjaman (pokok hutang).
Sosialisasi Akses Pembiayaan UMKM Pada Lembaga Keuangan Syariah Di Kecamatan Muara Badak Kabupaten Kutai Kartanegara Swadia Gandhi Mahardika; Muh Shadiqul Fajri AF; Akbar Lufi Zulfikar
AMMA : Jurnal Pengabdian Masyarakat Vol. 2 No. 6 : Juli (2023): AMMA : Jurnal Pengabdian Masyarakat
Publisher : CV. Multi Kreasi Media

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

Abstract

Capital is an obstacle faced by MSMEs. Sharia financing through various Islamic financial institutions is a solution to overcome these problems and, in general, encourage the growth of MSMEs. The purpose of this community service activity is to provide knowledge and understanding to MSMEs about the process of Islamic finance in various Islamic financial institutions. This service activity is carried out by disseminating access to financing capital to Islamic financial institutions by providing information on various executed contracts. Activities in the form of socialization followed by discussion and question and answer. Through this activity, MSME actors will better understand multiple Sharia regulations in business cooperation transactions, especially financing-related ones. In addition, participants also understand the versatility of the contracts implemented in the Sharia financing process offered by various Islamic financial institutions. The result of this activity is to recommend MSME actors be able to support ease of access for MSME actors in terms of applying for financing to Islamic financial institutions to be able to improve the wheels of the economy among MSMEs while continuing to implement Islamic business values ​​and principles.
Pengaruh Norma Subjektif dan Kewajiban Moral Terhadap Kepatuhan Pajak Usaha Mikro Kecil dan Menengah di KPP Pratama Makassar Utara Sitti Rahma Sudirman; Muh Shadiqul Fajri AF
FORUM EKONOMI Vol 25, No 3 (2023): Juli
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jfor.v25i3.12634

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh norma subjektif dan kewajiban moral terhadap kepatuhan wajib pajak UMKM yang terdaftar di KPP Pratama Makassar Utara. Data dalam penelitian ini diperoleh dari pembagian kuesioner kepada wajib pajak yang datang melaporkan pajak-nya kepada pegawai/staf di KPP Pratama Makassar Utara. Penelitian ini menggunakan data primer dengan cara melakukan penelitian langsung dilapangan dengan memberikan kuesioner/lembar pernyataan kepada 100 responden. Metode analisis data yang digunakan yaitu analisis regresi linear berganda, Uji R², Uji-t. Hasil penelitian menunjukkan bahwa: 1) norma subjektif berpengaruh positif dan signifikan terhadap kepatuhan wajib pajak UMKM, 2) kewajiban moral berpengaruh positif dan signifikan terhadap kepatuhan wajib pajak UMKM.
Factors Affecting the Realization of MSME Financing at Sharia Bankaltimtara Samarinda Iswanto, Bambang; Ain Fitriah, Rinna Ramadhan; AF, Muh Shadiqul Fajri; Munir, Misbahul
Al-Tijary Vol 8 No 1 (2022): AL-TIJARY VOL. 8, NO. 1, DESEMBER 2022
Publisher : Faculty of Islamic Economics and Business Sultan Aji Muhammad Idris State Islamic University Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v8i1.5452

Abstract

This research was motivated by the importance of financing the MSME sector based on sharia principles to overcome the problem of limited MSME business capital and avoid the element of usury. The research aims to determine what factors had a significant effect on the realization of MSME financing at the Sharia Bankaltimtara, Samarinda. To analyze the factors that influenced the realization of MSME financing, the method used was multiple linear regression analysis. Based on the results of the regression coefficient test, there are two factors that have a significant influence on the realization of MSME financing at Sharia Bankaltimtara Samarinda, namely the customer's net profit per month and the value of the financing collateral. Meanwhile, other factors such as education level, length of business, type of business, composition of business capital, and type of financing contract did not significantly affect the realization of financing in the MSME sector. The implication of this research is as an evaluation for Bankaltimtara Syariah Samarinda that increasing MSME financing must focus on assessing customers' monthly net profit and the value of financing collateral.
Co-Authors Abdul Wahab Abiyajid Bustami Akbar Lufi Zulfikar Ardiyani, Audwina Hati Badrus Syamsi Bambang Iswanto Bustami, Abiyajid Gagaring Pagalung Hamid Habbe, Abdul Isna Yuningsih Isna Yuningsih Jamaida, Nur Riski Amalia Mahmudah, Sofiyyah Maricar, Rezvanny Misbahul Munir Muslimin H. Kara Pramono, Adi Tri Putra, Muhammad Renaldi Allindra Rinna Ramadhan Ain Fitria Rinna Ramadhan Ain Fitriah Saputri, Indri Ayu Sitti Rahma Sudirman Sugiarto Swadia Gandhi Mahardika Swadia Indra Maulana Villaruel, Angelita S. Wardoyo Putra, Rizky Iman Perkasa