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All Journal Al-fiqh : Journal of Islamic Studies
Rizka, Fahala
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Religion

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Analisis Tingkat Pemahaman UMKM terhadap Sertifikasi Halal di Kota Pontianak Barianto, Muhammad; Alhanief, Muhammad Daud; Rizka, Fahala; Fathurrahman, Balyan
Al-fiqh Vol. 2 No. 3 (2024): Al-fiqh : Journal of Islamic Studies
Publisher : CV Global Research Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59996/al-fiqh.v2i3.672

Abstract

Penelitian ini bertujuan untuk menganalisis pemahaman sertifikasi halal pada usaha mikro kecil dan menengah (UMKM). Penelitian ini dilakukan dengan menggunakan pendekatan deskriptif kuantitatif. Pengumpulan data dilakukan dengan Responden 30 UMKM dengan menyebarkan kuisioner secara Online. Dari jumlah seluruh responden sebanyak 93,3% atau 28 orang yang paham dengan sertifikasi halal dan yang masih belum paham sebanyak 6,7% atau 2 orang. Hasil penelitian ini dapat diketahui bahwa pemahaman sertifikasi halal di Kota Pontianak cukup paham mengenai sertifikasi halal dikarenakan kurangnya kegiatan sosialisasi. Diperlukan peran pemerintah untuk meningkatkan pemahaman UMKM dengan menyelenggarakan kegiatan sosialisasi dan bantuan untuk memudahkan dalam mendapatkan sertifikasi halal di Kampung tersebut.
Dampak Sosial Ekonomi dari Penggunaan Pinjaman Online Perspektif Maqāṣid al-Syarī‘ah Azhim, Ikram Kasyful; Natalia, Lisa; Izzati, Syifa Nur; Rizka, Fahala
Al-fiqh Vol. 3 No. 2 (2025): Al-fiqh : Journal of Islamic Studies
Publisher : CV Global Research Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59996/al-fiqh.v3i2.791

Abstract

This study explores the use of online loans (pinjol) in West Kalimantan through a survey of 11 respondents. Most users are young women aged 20–25 (72.7%) with monthly incomes between IDR 1–3 million (54.5%). The main reasons for borrowing are for consumptive needs (54.5%) and emergencies (27.3%), with SPayLater being the most used platform (81.8%). Reported negative impacts include debt burdens (36.4%), psychological stress (54.5%), and strained social relationships (36.4%). Although 63.6% claim to read the terms and conditions, risk understanding remains low. Furthermore, 63.6% of respondents would not recommend using online loans except in urgent situations. From the perspective of maqāṣid al-syarī‘ah, online lending (pinjol) fails to preserve wealth (ḥifẓ al-māl), life (ḥifẓ al-nafs), intellect (ḥifẓ al-‘aql), lineage (ḥifẓ al-nasl), and even religion (ḥifẓ al-dīn), as it involves elements of riba and exploitative practices. These findings highlight the need for stronger regulations, improved financial literacy, and tighter oversight of illegal lending services. However, these findings remain descriptive in nature and cannot be generalized due to the very limited number of respondents.
Co-Authors Alhanief, Muhammad Daud Azhim, Ikram Kasyful Barianto, Muhammad Fathurrahman, Balyan Izzati, Syifa Nur Lisa Natalia, Lisa