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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

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

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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.

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

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.

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

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.

Literasi Akad Dan Produk Perbankan Syariah Di SMA Negeri 1 Muara Badak Kabupaten Kutai Kartanegara Ramadhan Ain Fitriah, Rinna; Widayati, Nurfiza; Lufi Zulfikar, Akbar; Gandhi Mahardika, Swadia
AMMA : Jurnal Pengabdian Masyarakat Vol. 3 No. 9 : Oktober (2024): AMMA : Jurnal Pengabdian Masyarakat
Publisher : CV. Multi Kreasi Media

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This community service aims to provide literacy and knowledge about Islamic banking contracts and products to the students of SMA Negeri 1 Muara Badak, Kutai Kartanegara Regency. This activity is carried out as a form of community service by the Sharia Economics Program of the Faculty of Economics and Business, Mulawarman University. The program lasted for three days, involving seminars and interactive discussions on the principles, contracts, and products offered by Islamic banking. The results of the activity showed an increase in participants' understanding and awareness of the importance of choosing financial institutions that comply with Islamic law, as well as the differences between Islamic and conventional banking. Recommendations include the need for deeper financial education, the use of technology in Islamic financial literacy, and the active role of teachers and parents in strengthening this knowledge.

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

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.

TINGKAT LITERASI ZAKAT PEMUDA MASJID KOTA SAMARINDA MENGGUNAKAN ZAKAT LITERACY INDEX Susanti, Dahlia Norjanah Norma; Fitriah, Rinna Ramadhan Ain
Jurnal Ekonomi Syariah Mulawarman (JESM) Vol. 4 No. 1 (2025): Jurnal Ekonomi Syariah Mulawarman
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jesm.v4i1.2711

Penelitian ini bertujuan untuk mengukur Indeks Literasi Zakat (ILZ) pada pemuda masjid di Kota Samarinda dengan menggunakan metode penelitian kuantitaif dengan alat analisis Simple Weighted Index, karena pemuda masjid berpotensi menjadi pengurus masjid dimasa yang akan mendatang, sehingga besar kemungkinan dapat menjadi amil. penelitian ini berfokus pada pengukuran pemahaman literasi zakat dasar dan lanjutan. Literasi dan pemahaman zakat merupakan aspek eksternal yang dapat memengaruhi keputusan seseorang untuk membayar zakat. Hasil penelitian ini menunjukkan bahwa Indeks Literasi Zakat (ILZ) pada pemuda masjid di Kota Samarinda memperoleh skor sebesar 70,48, yang termasuk dalam kategori literasi menengah. Indikator tertinggi dalam penelitian ini adalah variabel pengetahuan umum tentang zakat dengan skor 89,84, sedangkan indikator terendah adalah pengetahuan tentang pembayaran zakat digital dengan skor 49,22. Dari hasil perolehan yang di dapat, bisa di ketahui bahwa pemuda masjid Kota Samarinda membutuhkan edukasi lebih lanjut terkait zakat.

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

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.

Pendampingan Percepatan Pembuatan Lemang pada UMKM Lemang Banjar: Pengabdian Rinna Ramadhan Ain Fitriah; Nurfiza Widayati; Selly Swandari; Akbar Lufi Zulfikar; Swadia Gandhi Mahardika; Indra Maulana
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 3 No. 4 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 3 Nomor 4 (April 2025
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v3i4.1104

Lemang Banjar MSMEs in Samarinda City face various challenges in their production process, such as limited capital, long production process, and unattractive product packaging. This community service program aims to support production acceleration through redesigning packaging design and proposing the use of production aids, especially coconut milk squeezing tools, to improve work efficiency. Activities are carried out through initial surveys, solution discussions, implementation in the field, and monitoring and evaluation. The results show that the new packaging design is able to strengthen product branding and attract consumer interest, while production process efficiency can be improved with more modern equipment solutions. This approach is expected to improve the competitiveness of Lemang Banjar MSMEs in a sustainable manner.

Perception As A Moderating Variable Of The Influence Of Sharia Financial Literacy On The Decision To Become A BSI Customer Rinna Ramadhan Ain Fitriah; Swadia Gandhi Mahardhika; Akbar Lufi Zulfikar; Nurfiza Widayati
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 4 No. I (2025): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4iI.834

This study is a quantitative study with an explanatory approach, which uses previous research as the primary fuel to elaborate more deeply in this study and add new variations. The data used in this study are primary data that researchers obtained from 250 students throughout Indonesia. The data obtained was analyzed using the innovative PLS 4.0 analysis tool. The result of this article shows that the Sharia Financial Literacy variable can have a positive relationship direction and a significant influence on the decision to become a BSI customer. The P-values in this article are positive and below the significance level of 0.05, namely 0.003. These results indicate that the Sharia Financial Literacy variable can improve students' financial conditions, intelligence, and so on, ultimately affecting the Decision To Become A BSI Customer. In the next row, the Perception variable can also moderate the influence of the Sharia Financial Literacy variable on the Decision To Become A BSI Customer because the P-values are positive and below the significance level of 0.05, namely 0.000, more significant than the direct test, 0.003. Thus, it can be concluded that this article's first and second hypotheses can be accepted.

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