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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

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THE POTENTIAL OF RIBA IN SHARIA GOLD PAWNING Fajri AF, Muh Shadiqul; Hamid Habbe, Abdul; Wahab, Abdul
Dinasti International Journal of Digital Business Management Vol. 3 No. 1 (2021): Dinasti International Journal of Digital Business Management (December 2021 - J
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/dijdbm.v3i1.1075

Abstract

The practice of Islamic gold pawning in Islamic financial institutions that is in demand by many people in Indonesia has the potential to be included in the practice of usury. The practice of usury is meant to occur because of the merger of qardh and ijarah contracts. This is strictly prohibited in the practice of economics in Islam. This article aims as a critique of the DSN-MUI fatwa No. 26 of 2002 concerning Gold Pawning which allows the merging of qardh and ijarah contracts. Basically, the collection of fees on the qardh contract is allowed for costs that are clearly needed and do not become a profit for Islamic financial institutions. This type of research is descriptive-qualitative with a literature study approach with data sources, namely secondary data obtained from previous studies, and other reference sources.
The Integration of Core Value “AKHLAK” into Business Strategy of Prophet Muhammad Muh Shadiqul Fajri AF; Swadia Gandhi Mahardika; Akbar Lufi Zulfikar; Abiyajid Bustami; Swadia Indra Maulana
LAA MAISYIR: Jurnal Ekonomi Islam The 2nd International Collaboration Conference on Islamic Economics (ICCEIS) 2024 “Global Innovati
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v1i1.52972

Abstract

Core Value is the soul of an organization or institution. The Ministry of State-Owned Enterprises has established AKHLAK as a core value in working well and correctly to build the nation. AKHLAK is an acronym for Amanah, Kompeten, Harmoni, Loyal, Adaptif, and Kolaboratif. The aim of this research is to determine the relationship between the core value of AKHLAK and the business strategy implemented by the Prophet Muhammad SAW. This type of research is descriptive qualitative using the library research method. The main data sources for this research were obtained from books and articles published in the last 10 (ten) years in journals that are accredited both nationally and internationally. The results of the research show that the core value of AKHLAK is related to the business strategy of the Prophet Muhammad SAW, keeping promises and telling the truth about the products (Amanah), learning to do business from the age of 12 (twelve) years (Kompeten), without badmouthing other people's businesses who are competitors and paying employee wages before the sweat dries (Harmoni), obeying the leadership's orders as long as they do not conflict with the Shari'a (Loyal), understanding market needs (Adaptif), building strong relationships with various tribes (Kolaboratif).
Peran Akad Mudharabah pada Permodalan Usaha Mikro Kecil dan Menengah di Kota Samarinda Putra, Muhammad Renaldi Allindra; Fajri AF, Muh Shadiqul
Sanskara Ekonomi dan Kewirausahaan Vol. 3 No. 01 (2024): Sanskara Ekonomi dan Kewirausahaan (SEK)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/sek.v3i01.454

Abstract

Penelitian ini bertujuan untuk menganalisis peran akad mudharabah dalam dukungan permodalan pada usaha mikro, kecil dan menengah (UMKM) di Samarinda melalui studi kasus Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPP) Quantum Mandiri Madani Akad Mudharabah merupakan instrumen keuangan syariah yang memungkinkan pemilik modal berkontribusi terhadap kapitalisasi UMKM melalui program bagi hasil di mana mereka memberikan dana kepada pengelola dan keuntungan didistribusikan berdasarkan perjanjian. Penelitian ini menggunakan metodologi deskriptif kualitatif dengan data primer yang dikumpulkan melalui wawancara mendalam dan observasi terhadap tiga orang informan (dua orang pelaku usaha UMKM dan satu orang anggota KSPP). Hasil penelitian menunjukkan bahwa akad mudharabah memberikan dampak positif bagi perkembangan UMKM terutama dalam meningkatkan kapasitas produksi dan memperluas pasar. Namun, tantangan seperti fluktuasi pasar dan tata kelola perusahaan masih menjadi hambatan bagi beberapa pelaku ekonomi untuk memenuhi kewajiban bagi hasil mereka. Kebaruan penelitian ini terletak pada analisis detail pelaksanaan akad mudharabah di Samarinda dan dampaknya terhadap permodalan UMKM yang sebagian besar masih belum tereksplorasi. Studi ini memberikan implikasi penting bagi pengembangan sistem pembiayaan syariah yang lebih efisien dan berkelanjutan, terutama untuk mendukung usaha kecil dan menengah di pedesaan.
Pemasaran Digital Dasar Bagi UMKM di Kota Balikpapan Fajri AF, Muh Shadiqul
Cakrawala: Jurnal Pengabdian Masyarakat Global Vol. 3 No. 4 (2024): Cakrawala: Jurnal Pengabdian Masyarakat Global
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/cakrawala.v3i4.3415

Abstract

Kegiatan pengabdian ini menguraikan tentang pelatihan pemasaran digital dasar bagi para pelaku UMKM di Kota Balikpapan. Pelatihan yang menghadirkan 50 peserta ini berlangsung selama dua hari dimana 75 % dari konten materi merupakan praktek langsung, seperti membuat video promosi di media social, membuat akun Google Profil Bisnisku, dan fotografi produk. Hasil dari pelatihan ini menunjukkan keberhasilan dalam peningkatan keterampilan teknis dalam mebuat video promosi dan fotografi produk. Diperlukan adanya pelatihan lanjutan serta upaya saling kolaborasi baik sesama pelaku UMKM, pemerintah daerah, dan lembaga keuangan dalam mendukung pertumbuhan bisnis yang lebih cepat dan efektif.
Meningkatkan Literasi Keuangan Syariah Generasi Z melalui Seminar di Universitas Mulawarman Mahardika, Swadia Gandhi; AF, Muh Shadiqul Fajri; Fitriah, Rinna Ramadhan Ain; Bustami, Abiyajid
Irajagaddhita Vol. 2 No. 2 (2024): Irajagaddhita : Jurnal Pengabdian dan Pemberdayaan Masyarakat
Publisher : CV Global Research Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59996/irajagaddhita.v2i2.587

Abstract

Seminar ini bertujuan untuk mengeksplorasi peran Generasi Z dalam meningkatkan literasi keuangan syariah dan dampaknya terhadap stabilitas finansial. Generasi Z, yang tumbuh di era digital, memiliki potensi besar dalam mengintegrasikan prinsip-prinsip keuangan syariah dalam pengelolaan keuangan pribadi. Keuangan syariah menawarkan pendekatan yang berfokus pada keadilan, transparansi, dan larangan terhadap riba dan spekulasi, yang dapat mendukung terciptanya stabilitas finansial jangka panjang. Seminar ini dihadiri oleh mahasiswa Universitas Mulawarman dan menekankan pentingnya literasi keuangan syariah bagi generasi Z dalam mengambil keputusan finansial yang bijak dan etis. Hasil seminar menunjukkan bahwa pemahaman yang lebih baik tentang keuangan syariah dapat berkontribusi signifikan terhadap stabilitas finansial individu dan nasional. Saran dari kegiatan ini adalah perlunya peningkatan program literasi keuangan syariah, pengembangan teknologi finansial berbasis syariah, serta integrasi literasi keuangan syariah dalam kurikulum pendidikan formal.
The Role of Traditional Markets in Advancing Maqasid Al-Sharia: A Case Study of Pasar Baru Sungai Dama Samarinda Jamaida, Nur Riski Amalia; Fajri AF, Muh Shadiqul
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 7 No 1 (2025): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v7i1.13345

Abstract

This study investigates the role of traditional markets in advancing the objectives of Maqāṣid al-Sharīʿah by conducting a qualitative case study of Pasar Baru Sungai Dama in Samarinda, Indonesia. The research applies a thematic analysis grounded in the five dimensions of Maqāṣid al-Sharīʿah—preservation of religion (ḥifẓ al-dīn), life (ḥifẓ al-nafs), intellect (ḥifẓ al-ʿaql), progeny (ḥifẓ al-nasl), and wealth (ḥifẓ al-māl). Data were collected through interviews, field observations, and documentation reviews, and analyzed inductively to identify how market practices align with Shariah-based ethical and economic values. Findings reveal that Pasar Baru supports religious practices, provides safety and hygiene infrastructure, fosters ethical education, accommodates family needs, and enhances financial inclusion. These dimensions demonstrate the capacity of traditional markets to contribute meaningfully to Islamic socio-economic goals beyond mere commerce. The study concludes that with deliberate ethical governance, traditional markets can serve as inclusive Shariah-compliant institutions. Implications for Islamic economics, public policy, and local governance are discussed, with recommendations for broader application and future comparative research.
Non-Muslim Customers' Perceptions on Sharia Banking Services: Evidence from Bank Muamalat Indonesia Wardoyo Putra, Rizky Iman Perkasa; Muh Shadiqul Fajri AF
The Es Economics and Entrepreneurship Vol. 2 No. 02 (2023): The Es Economics And Entrepreneurship (ESEE)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esee.v2i02.162

Abstract

This research aims to find out and explore the implications of sharia banking service quality in increasing loyalty among non-Muslim customers by taking a sample of non-Muslim customers at Bank Muamalat Indonesia Makassar Branch. This type of research uses qualitative research that is explanatory in nature. Primary data was obtained from observations and interviews with 8 (eight) respondents consisting of 6 non-Muslim customers and 2 employees. The research results concluded that non-Muslim customers' perceptions of banking services at Bank Muamalat were quite good. They consider Bank Muamalat to provide services that are fast response, informative and have a sense of empathy. Bank Muamalat provides the same service standards to all customers, both Muslim and non-Muslim. The mobile banking facilities owned by Bank Muamalat provide many conveniences to customers so that the informants assess that the service facilities owned by Bank Muamalat can compete with conventional banks in Indonesia.
The Influence of Conformity on Consumption Behavior of Indonesian NCTzens in The Islamic Economics Perspective Ardiyani, Audwina Hati; Pramono, Adi Tri; Muh Shadiqul Fajri AF
The Es Economics and Entrepreneurship Vol. 2 No. 02 (2023): The Es Economics And Entrepreneurship (ESEE)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esee.v2i02.163

Abstract

This study aims to determine the influence of conformity on the consumption behavior of NCTZEN Indonesia in an Islamic economic perspective. The method used in this study is a quantitative research method. The population in this study was a fandom from NCTZEN Indonesia with a sample of 55 respondents. In this study, the sampling technique used was snowball sampling. The analytical tools used are the reliability test reliability test Simple linear regression normality test correlation coefficient of determination coefficient and hypothesis test (t test) treated using IBM SPSS 26 0 version. The result showed that Conformity has no significant effect on the Consumption Behavior of NCTzen Indonesia from an Islamic Economic perspective. NCTzen Indonesia's behavior in carrying out consumption activities is not in accordance with the provisions of Islamic economics. However, the implementation of consumption behavior by NCTzen Indonesia is increasingly starting to understand Islamic economic consumption.
Perceptions of civil servant towards sharia bank service: evidence from employees on public works and spatial planning department in Samarinda city Mahardika, Swadia Gandhi; Fajri AF, Muh Shadiqul; Bustami, Abiyajid; Ain Fitriah, Rinna Ramadhan; Yuningsih, Isna
INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Vol. 19 No. 2 (2023): Mei
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v19i2.2936

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.
Pesantren-Based Entrepreneurial Ecosystem: Contribution of Baitul Maal Wat Tamwil Mahmudah, Sofiyyah; Fajri AF, Muh Shadiqul; Maricar, Rezvanny
Santri: Journal of Pesantren and Fiqh Sosial Vol 6 No 1 (2025): June 2025
Publisher : The Institute of Research and Service Community IPMAFA Pati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/santri.v6i1.1691

Abstract

This study aims to examine the role of Baitul Maal wat Tamwil (BMT) Al-Arsyadi in promoting the development of entrepreneurship within the Al-Arsyadi Pesantren environment in Samboja, East Kalimantan. The study employed a descriptive qualitative approach, utilizing data collection techniques that included in-depth interviews, participatory observation, and documentation studies. The study’s results identified three main contributions of BMT in supporting the Pesantren entrepreneurship ecosystem. First, as a provider of business capital, BMT offers access to Sharia financing that supports the sustainable development of pesantren business units. Second, as an integrated financial manager, BMT builds a transparent and accountable financial management system for pesantren. Third, BMT serves as a center for training santri (student) in entrepreneurship, offering practical and applicable Islamic value-based training programs. These findings indicate that BMT is not only a financial institution but also an agent of community-based Pesantren economic transformation. This study recommends strengthening the institutional capacity of BMT, integrating entrepreneurship curriculum into pesantren education, and replicating the model to other pesantren. This study contributes to broadening the understanding of community-based Islamic economics and the role of local institutions in building the economic independence of the community.
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