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All Journal Laa Maisyir Jurnal Ekonomi Islam Jurnal Penelitian Ilmiah INTAJ 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 Pengabdian Masyarakat Multidisiplin Jurnal Adat dan Budaya Indonesia Santri: Journal of Pesantren and Fiqh Sosial Dikmas: Jurnal Pendidikan Masyarakat dan Pengabdian Jurnal Iqtisaduna 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 Journal of Halal Industry Studies Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Referensi Islamika: Jurnal Studi Islam EKONOMIKA: Manajemen, Akuntansi dan Perbankan Syari’ah
Muh Shadiqul Fajri AF
Universitas Mulawarman
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Trend of Uang Panai Researches: A Systematic Literature Review Fajri AF, Muh Shadiqul
Jurnal Adat dan Budaya Indonesia Vol. 7 No. 2 (2025)
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jabi.v7i2.92077

Abstract

One of the enduring traditions in the marriage practices of the Bugis ethnic group is the custom of uang panai. This tradition functions as a mandatory requirement that must be fulfilled prior to marriage negotiations. In Indonesia, a number of studies on uang panai have been published in journals indexed on Google Scholar. The present study aimed to examine the diversity of research approaches, designs, data collection and analysis techniques, as well as research locations in articles published between 2014 and 2024. Using the Publish or Perish (PoP) software, 102 articles were initially retrieved. To minimize bias and avoid duplication, the PRISMA protocol was applied, resulting in a final selection of 18 articles for analysis. The findings of this review led to two primary recommendations for future research. First, uang panai should be explored through ethnomethodological approaches to provide deeper insights into the experiences of grooms. Second, incorporating psychological and Islamic economics perspectives is suggested to further enrich the understanding of uang panai within both individual and socio-economic contexts.
THE ROLE OF MUDHARABAH CONTRACTS TOWARDS MSME CAPITALIZATION IN SAMARINDA Fajri AF, Muh Shadiqul
Jurnal Penelitian Ilmiah INTAJ Vol. 8 No. 2 (2024): middle path
Publisher : LP3M IAI Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/intaj.v8i2.1612

Abstract

Penelitian ini bertujuan untuk menganalisis peran akad mudharabah dalam mendukung permodalan bagi Usaha Mikro, Kecil, dan Menengah (UMKM) di Samarinda, dengan studi kasus pada Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPP) Quantum Mandiri Madani. Akad mudharabah merupakan salah satu instrumen keuangan syariah yang berpotensi membantu permodalan UMKM melalui skema bagi hasil, dimana pemilik modal menyetorkan dana kepada pengelola usaha, dan keuntungan dibagi berdasarkan kesepakatan. Penelitian ini menggunakan metode deskriptif kualitatif dengan data primer yang dikumpulkan melalui wawancara mendalam dan observasi terhadap tiga informan, yaitu dua pelaku usaha UMKM dan satu anggota KSPP. Hasil penelitian menunjukkan bahwa akad mudharabah memberikan dampak positif bagi pengembangan UMKM, terutama dalam peningkatan kapasitas produksi dan perluasan pasar. Namun demikian, tantangan seperti fluktuasi pasar dan pengelolaan usaha masih menjadi kendala bagi sebagian pelaku usaha dalam memenuhi kewajiban bagi hasil. Kebaruan penelitian ini terletak pada analisis mendalam tentang penerapan akad mudharabah di Samarinda yang masih jarang dieksplorasi, serta dampaknya terhadap permodalan UMKM. Penelitian ini memberikan implikasi penting bagi pengembangan skema pembiayaan syariah yang lebih efisien dan berkelanjutan, khususnya dalam mendukung usaha kecil di daerah.
WHAT ARTIFICIAL INTELLIGENCE CAN DO TO MITIGATE ASYMMETRIC INFORMATION IN ISLAMIC BANK: A CONCEPTUAL FRAMEWORK REVEALED Muh Shadiqul Fajri AF; Angelita S Villaruel
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 2 (2026): APRIL
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i2.342

Abstract

This study examines the potential role of Artificial Intelligence (AI) in mitigating asymmetric information in Profit-Loss Sharing (PLS) financing models within Islamic banking. Although PLS contracts such as mudarabah and musharakah embody the core Islamic finance principle of risk-sharing, their practical implementation remains limited due to moral hazard and adverse selection problems arising from information asymmetry between banks and entrepreneurs. This research aims to explore how AI technologies can enhance transparency, monitoring, and decision-making processes to strengthen the viability of PLS financing in Islamic banking. The study employs a systematic library research approach by reviewing 86 scholarly articles indexed in Scopus related to Islamic finance, asymmetric information, and AI applications in financial services. The analysis synthesizes existing theoretical and empirical insights to develop a conceptual framework illustrating how AI technologies, such as machine learning, Internet of Things (IoT) systems, and natural language processing (NLP), can support both pre-financing and post-financing processes in PLS contracts. The findings indicate that AI technologies can significantly reduce asymmetric information in PLS financing. Machine learning enhances borrower assessment and credit profiling, IoT enables real-time monitoring of financed business performance, and NLP facilitates financial reporting analysis and sharia compliance verification. These tools improve transparency, strengthen risk identification, and reduce the likelihood of adverse selection and moral hazard, thereby supporting a more sustainable and efficient Islamic banking model. This study is limited to conceptual and literature-based analysis and does not include empirical testing of AI applications in Islamic banking operations. Future research should conduct empirical studies and case-based investigations to validate the proposed framework and examine practical implementation challenges. This study contributes by integrating AI technology perspectives with Islamic finance principles to propose a conceptual framework for strengthening PLS financing. It offers new insights into how digital innovation can support the sustainability and competitiveness of Islamic banking.
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.
Development strategy of nusantara capital city as a global halal hub Muh Shadiqul Fajri AF
Journal of Halal Industry Studies Vol. 5 No. 1 (2026): Journal of Halal Industry Studies
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jhis.v5i1.2873

Abstract

This study examined the strategic potential of Nusantara Capital City (IKN) to be developed as a global Halal Hub in support of the Indonesia Emas 2045 vision. A qualitative approach was employed using secondary data derived from government policy documents, the Nusantara Smart City Blueprint, and internationally indexed academic literature. Content analysis and comparative analysis were conducted to identify key themes, supporting factors, and challenges in positioning IKN within the global halal ecosystem. The findings indicated that the success of IKN as a Halal Hub depended on the integration of physical logistics infrastructure, such as multimodal transportation, segregation facilities, and cold chain systems, with smart digital technologies, including Internet of Things sensors, blockchain, and centralized monitoring systems. This integration strengthened transparency, traceability, and halal compliance while enhancing global market trust. The study also revealed the importance of human resource readiness and regulatory harmonization to ensure competitiveness. The proposed conceptual framework contributed to integrating smart city development with halal supply chain governance.This study examined the strategic potential of Nusantara Capital City (IKN) to be developed as a global Halal Hub in support of the Indonesia Emas 2045 vision. A qualitative approach was employed using secondary data derived from government policy documents, the Nusantara Smart City Blueprint, and internationally indexed academic literature. Content analysis and comparative analysis were conducted to identify key themes, supporting factors, and challenges in positioning IKN within the global halal ecosystem. The findings indicated that the success of IKN as a Halal Hub depended on the integration of physical logistics infrastructure, such as multimodal transportation, segregation facilities, and cold chain systems, with smart digital technologies, including Internet of Things sensors, blockchain, and centralized monitoring systems. This integration strengthened transparency, traceability, and halal compliance while enhancing global market trust. The study also revealed the importance of human resource readiness and regulatory harmonization to ensure competitiveness. The proposed conceptual framework contributed to integrating smart city development with halal supply chain governance.
EDUKASI PENGGUNAAN MEDIA SOSIAL BAGI REMAJA DI DESA MUARA BADAK ULU Muh Shadiqul Fajri AF; Rahcmad Budi Suharto; Swadia Gandhi Mahardika; Akbar Lufi Zulfikar; Indra Maulana; Abiyajid Bustami
Jurnal Pengabdian Masyarakat Multidisiplin Vol 8 No 3 (2025): Juni
Publisher : LPPM Universitas Abdurrab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36341/jpm.v8i3.6004

Abstract

A socialization activity was conducted in Muara Badak Ulu Village with the aim of enhancing digital literacy and fostering critical and responsible attitudes toward social media usage. The event involved 50 participants, including junior high school students, senior high school students, and youth organization members. Through presentations, discussions, and case simulations, participants gained insights into the benefits of social media, potential risks such as digital addiction and the phenomenon of brain rot, as well as strategies for healthy social media engagement. The results revealed strong enthusiasm and critical awareness among participants regarding responsible digital behavior. One of the notable outcomes was the initiative to establish the Digital Literacy Community, which aims to continue digital literacy efforts in the local area. This activity demonstrates that community-based educational approaches can be effective in shaping positive digital behaviors among rural youth.
Co-Authors Abdul Wahab Abiyajid Bustami Abiyajid Bustami Akbar Lufi Zulfikar Angelita S Villaruel Ardiyani, Audwina Hati Badrus Syamsi Bambang Iswanto Bustami, Abiyajid Gagaring Pagalung Hamid Habbe, Abdul Indra Maulana Isna Yuningsih Isna Yuningsih Jamaida, Nur Riski Amalia Mahmudah, Sofiyyah Maricar, Rezvanny Misbahul Munir Muslimin Kara Pramono, Adi Tri Putra, Muhammad Renaldi Allindra Rahcmad Budi Suharto 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