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Manajemen Pengelolaan Utang pada Rumah Tangga Kelas Menengah di Kota Pontianak Dina Amaliah Maulida; Dwi Surya Atmaja; Syahbudi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i5.2408

Basically, debt in Islam is seen as an instrument that can help in meeting the needs of individuals or groups in need, but also has a side that needs to be considered so as not to cause harm or injustice. Due to poor financial management, some people today are more likely to go into debt. Many people go into debt to make ends meet, and the desire to owe comes from wanting to have an amount of money that is greater than their income. It is very important to carry out financial management in married life because the consumptive tendencies of modern society cause irresponsible financial management. This research is an interdisciplinary research that is exploratory, exploratory research does not require certain hypotheses or theories. Researchers only prepare a few questions as a guide to obtain primary data in the form of information, information, as initial data needed. There are two data sources, primary data and secondary data, data analysis techniques using observation, interviews and documentation. The interview results show that debt management in middle-class households in Pontianak City is influenced by various factors, including needs, income, and awareness of the importance of managing debt wisely. In many cases, good debt management plays a key role in maintaining family economic stability

Pemberdayaan Desa Batu Ampar Melalui Pemasaran Digital Madu Hutan Mangrove: Studi Kasus PKM-KI Mahasiswa Pascasarjana Ekonomi Syariah IAIN Pontianak Noviansyah; Syahbudi; Gunawan; Ismail Ruslan; Ridho Arnanda
JOM Vol 5 No 4 (2024): Indonesian Journal of Humanities and Social Sciences, Desember 2024
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/ijhass.v5i4.5924

This study examines the community's reliance on mangrove forests, particularly through the establishment of charcoal kiln businesses as a primary livelihood in Batu Ampar Village, following the decline of sawmill operations. The production of charcoal requires large quantities of mangrove wood, leading to significant environmental impacts, including the reduction of mangrove forests, increased carbon emissions, and deteriorating public health. In response to these challenges, social movements among mangrove honey farming groups have emerged, focusing on ecological revitalization efforts. This research aims to explore the role of social movement strengthening through mentoring by PKM-KI students from the Sharia Economics Master's program, specifically in the development of digital platform-based marketing strategies for mangrove honey businesses. Using a qualitative descriptive approach, the study analyzes field data to evaluate the effectiveness of digital marketing in promoting mangrove honey as an alternative livelihood. The results highlight the potential of digital platforms in expanding the market for local mangrove honey products, offering a sustainable livelihood for the community while supporting environmental conservation.

Program Pengembangan Kemandirian Ekonomi Pondok Pesantren Darul Fikri sebagai Binaan Bank Indonesia Kalimantan Barat Gunawan; Syahbudi; Safri, Hayanuddin; Luqman
JOM Vol 5 No 4 (2024): Indonesian Journal of Humanities and Social Sciences, Desember 2024
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/ijhass.v5i4.6188

Islamic boarding schools that implement economic independence require cooperative relationships from outside parties or government institutions in financing the needs and requirements of the Islamic boarding school unit so that it continues to run and progress, while Islamic boarding schools are synonymous with the impression of being closed. To achieve Islamic boarding school economic independence, openness and innovation are needed so that the students who graduate have ownership skills apart from the religious knowledge obtained. This research aims to describe the implementation process, impact of implementation and sustainability of the Islamic Boarding School economic independence program under the guidance of Bank Indonesia. This research uses a qualitative method with a phenomenological approach. The research is located at the Darul Fikri Islamic Boarding School. Data collection consisted of in-depth interviews, documentation and non-participant observation. The results of this research show that the assistance and guidance program from Bank Indonesia to the Darul Fikri Islamic Boarding School has been able to transform the Islamic boarding school which was once financially weak and is now financially independent and has implemented an economic independence assistance program from Bank Indonesia. Keywords: Bank Indonesia, Islamic Boarding School, Islamic Boarding School Economic Independence

Ketika Pekerja Bank Memilih Hijrah: Perubahan Karier dan Implikasinya terhadap Ekonomi Keluarga Damero, Lian; Luqman; Syahbudi
JOM Vol 5 No 4 (2024): Indonesian Journal of Humanities and Social Sciences, Desember 2024
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/ijhass.v5i4.6746

The increasing phenomenon of bank employees choosing to resign to avoid riba presents new challenges, particularly in terms of family economic resilience. Therefore, careful planning and selection of alternative jobs after hijrah need to be considered to ensure the family's economic needs are met. This study aims to analyze the background of X-Bank's decision to undergo hijrah and the changes in their career choices afterward. This research employs a descriptive qualitative method with a phenomenological approach. Data collection techniques include in-depth interviews with former bank employees who have undergone hijrah, documentation of their experiences before and after hijrah, and observations of their economic conditions after transitioning to new professions. The collected data were analyzed through data reduction, data presentation, and conclusion drawing to gain a deep understanding of the studied phenomenon. The findings indicate that X-Bank's decision to undergo hijrah was influenced not only by religious factors but also by work pressure and an unhealthy work environment. After hijrah, X-Bank tends to choose entrepreneurship as a profession. In terms of economic resilience, family economic conditions improved and became more stable after transitioning to a new profession.

Manajemen Pengelolaan Utang pada Rumah Tangga Kelas Menengah di Kota Pontianak Dina Amaliah Maulida; Dwi Surya Atmaja; Syahbudi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i5.2408

Basically, debt in Islam is seen as an instrument that can help in meeting the needs of individuals or groups in need, but also has a side that needs to be considered so as not to cause harm or injustice. Due to poor financial management, some people today are more likely to go into debt. Many people go into debt to make ends meet, and the desire to owe comes from wanting to have an amount of money that is greater than their income. It is very important to carry out financial management in married life because the consumptive tendencies of modern society cause irresponsible financial management. This research is an interdisciplinary research that is exploratory, exploratory research does not require certain hypotheses or theories. Researchers only prepare a few questions as a guide to obtain primary data in the form of information, information, as initial data needed. There are two data sources, primary data and secondary data, data analysis techniques using observation, interviews and documentation. The interview results show that debt management in middle-class households in Pontianak City is influenced by various factors, including needs, income, and awareness of the importance of managing debt wisely. In many cases, good debt management plays a key role in maintaining family economic stability

Dinamika Pengelolaan Filantropi Islam pada Komunitas Muslim Minoritas Wahyuni, Sri; Ruslan, Ismail; Syahbudi
Kartika: Jurnal Studi Keislaman Vol. 5 No. 3 (2025): Kartika: Jurnal Studi Keislaman (November)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v5i3.389

This study aims to analyze the dynamics of Islamic philanthropy management within Muslim minority communities in Landak Regency, West Kalimantan, focusing on its practices, challenges, and development potentials in Ambarang and Tebedak Villages. Employing a qualitative approach, data were collected through observation, in-depth interviews, and documentation involving community leaders, religious figures, and Muslim residents actively engaged in zakat, infak, and sadaqah activities. The data were analyzed interactively through the stages of reduction, presentation, and conclusion drawing. The findings reveal distinct characteristics in philanthropic management between the two villages. Tebedak Village demonstrates a more transparent and participatory management system supported by an institutional structure that ensures planned and accountable implementation of philanthropic activities. In contrast, Ambarang Village is characterized by strong social capital, particularly solidarity and mutual cooperation, yet lacks formal governance mechanisms. Both villages illustrate that Islamic philanthropy serves not only as a means of social assistance but also as an instrument for economic empowerment, interfaith harmony, and social cohesion within minority settings. These findings highlight the importance of strengthening community based institutions and Islamic philanthropy education to sustain social development programs in minority Muslim areas

The Exploration of Religious Moderation Discourse as a New Form of Nationalism in the Indonesian Government Syahbudi
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol. 21 No. 2: December 2025
Publisher : Fakultas Studi Islam dan Peradaban, Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v21i2.22086

On September 22, 2021, Cinta Laura delivered a commencement speech at the Launching Night for Religious Moderation Action held by the Ministry of Religious Affairs. Cinta Laura is known as a young female artist and grew up in an environment of Western education. Her attendance conveys a significant message about what and who the main target of the religious moderation policy is. This article employed a critical discourse analysis method to examine religious moderation through the lens of the hegemonic state policy. Secondary data are obtained from books, articles, opinions, and news in both print and electronic mass media that explain the concepts and ideas of religious moderation, especially since 2020. The question is, how is the policy of religious moderation constructed today? What is the purpose of the policy? The article argues that the state promotes religious moderation to strengthen the legitimacy of the new nationalism. This policy aims to nationalize religious views to influence how people view the relationship between religion and the state. It is accomplished, in part, by implementing policies that promote the debunking of narratives of religious intolerance, especially in educational institutions. Additionally, the state promotes socio-cultural norms that are perceived as beneficial to the state in terms of maintaining stability. The critical contribution of this article is that, through religious moderation policies, the state has managed to mitigate the political impact of intolerance; however, this approach tends to be formalistic and ceremonial.

From Ritual Protection to Public Sociability: Meaning Transformation in Mempawah’s Robo-Robo Tradition Tasur, Ahmad; Syahbudi; Prasojo, Zaenuddin Hudi
JOM Vol 6 No 4 (2025): Indonesian Journal of Humanities and Social Sciences , December
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/ijhass.v6i4.7679

This study aims to analyze the transformation of meaning in the Robo-robo tradition of the Mempawah community, from an initial orientation toward “village safety” through prayers and ritual processions into a broader social meaning that includes community interaction, entertainment, and the economic activation of micro, small, and medium enterprises (MSMEs). The research employed a qualitative approach with ethnographic orientation, using participatory observation, in-depth interviews, focus group discussions (FGDs), and visual documentation as the main techniques of data collection. The findings show that Robo-robo is attended not only as a ritual obligation but also as a social arena for networking, collective leisure, and economic exchange, particularly through MSME participation during the event. Although the core ritual elements remain performed, their significance has shifted and expanded, becoming more adaptive to contemporary socio-economic needs. Theoretically, this study implies that tradition should not be understood as a fixed cultural residue, but as a living social institution capable of refunctionalizing ritual practices into multi-purpose public spaces where sacred legitimacy, social cohesion, and economic productivity coexist and reinforce one another.

Analisis Implementasi dan Efektivitas Zakat Produktif dalam Meningkatkan Kesejahteraan Mustahik di BAZNAS Kabupaten Sintang, Kalimantan Barat Teti Arnita; Ichsan Iqbal; Syahbudi
Postmodernism: Indonesian Journal of Multidisciplinary Islamic Studies Vol. 3 No. 1 (2026): Postmodernism_January_2026
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LP2M) Sekolah Tinggi Agama Islam Miftahul Ula (STAIM) Kabupaten Nganjuk, Indonesia.

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

Productive zakat is a strategic instrument in the Islamic economic system for empowering mustahik and enhancing sustainable welfare. BAZNAS of Sintang Regency, West Kalimantan, has implemented productive zakat programs through business capital assistance, training, and mentoring; however, program outcomes vary among beneficiaries. This study aims to analyze the implementation of productive zakat programs and identify factors influencing their effectiveness in improving mustahik welfare. This research employs a descriptive qualitative approach, with data collected through in-depth interviews, field observations, and document analysis. Informants include BAZNAS administrators, mustahik beneficiaries, muzakki, community leaders, and local government representatives. Data were analyzed using an interactive analysis model and supported by descriptive quantitative data comparing mustahik income before and after receiving productive zakat assistance. The findings indicate that productive zakat programs at BAZNAS Sintang Regency have been implemented systematically and contribute to increased income and economic independence among most beneficiaries. Program effectiveness is influenced by amil managerial capacity, the quality of business mentoring, information technology utilization, local government support, and community zakat literacy. This study concludes that productive zakat is an effective economic empowerment instrument when managed professionally, transparently, and sustainably

Pergeseran Ritual Robo-Robo: Studi tentang Relasi Personal, Komunitas, dan Tokoh Politik-Keagamaan di Ketapang Kalimantan Barat Baha’udin; Syahbudi
Realita: Jurnal Penelitian dan Kebudayaan Islam Vol. 23 No. 2 (2025): Jurnal Realita: Jurnal Penelitian dan Kebudayaan Islam
Publisher : LP2M Institut Agama Islam Negeri (IAIN) Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/realita.v23i2.831

This study examines the transformation of the Robo-Robo ritual in Ketapang, West Kalimantan, as a multi-actor contestation arena involving personal-spiritual, communal-cultural, and politico-religious dimensions. Employing a critical ethnographic approach, the research explores how this Safar month ritual has transformed from a simple community-based practice into a formalized public event. Findings reveal shifts from household to sub-district scale, from riverine to mosque settings, and institutional formalization, while traditional meanings as a medium for prayers of safety, disaster prevention, and social unity remain preserved. These shifts reflect complex negotiations between maintaining tradition and adapting to modernity, involving ritual practitioners, tradition bearers, and politico-religious elites. This research contributes to understanding the dynamics of local religious ritual transformation in contemporary Indonesian Islam, revealing how local rituals become symbolic battlegrounds while maintaining their function as markers of Malay-Islamic community identity.

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