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INDONESIA
Jurnal Studi Ekonomi dan Bisnis Islam (SEBI)
Published by Institut Agama Islam Sultan Muhammad Syafiuddin Sambas
ISSN : 2656811X     EISSN : 27760707     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Sebi adalah sebuah jurnal ilmiah dengan fokus pada Studi Ekonomi dan Bisnis Islam telah diterbitkan sejak tahun 2019 oleh Fakultas Ekonomi dan Bisnis Islam Sultan Muhammad Syafiuddin Sambas. Jurnal Sebi menjadi artikel dalam publikasi ilmiah dan sangat mengapresiasi pemikiran kreatif. Jurnal Sebi Diterbitkan setiap semester pada bulan Januari-Juni, dan Juli - Desember. Jurnal Sebi ini dibuat untuk para peneliti dan akademisi, serta khalayak umum dan yang memiliki minat pada khasanah ilmiah Ekonomi Islam, Perbankan dan Keuangan Islam, Akuntansi Islam, Bisnis Islam
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 109 Documents
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ANALISIS STRATEGI PEMASARAN DALAM MENINGKATKAN MINAT BELI KONSUMEN DIBEDAR RESTO DAN KAFE DALAM PERSFEKTIF EKONOMI ISLAM Faturohman, Adji; Jum’an
Sebi : Studi Ekonomi dan Bisnis Islam Vol. 6 No. 1 (2024): Jurnal Studi Ekonomi dan Bisnis Islam (SEBI)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sebi.v6i1.2457

Abstract

This study uses a quantitative research approach. The type of research used in this research is a type of field research, with a sample of 47 respondents. The method used in the analysis is with the help of google forms and for data processing using SPSS statistics 25 Partially the income variable has a significant effect on students' saving awareness at the Mini Bank Laboratory. Thus it can be concluded that the first hypothesis which states that there is an effect of the income variable on saving awareness and is significant, H1 is accepted and Ho is rejected. Partially, the financial literacy variable has a significant effect on students' saving awareness at the Mini Bank Laboratory. Thus it can be concluded that the second hypothesis which states that there is an effect of the financial literacy variable on saving awareness and is significant that H2 is accepted and Ho is rejected. Simultaneously there is an influence between income and financial literacy on students' awareness of saving at the Laboratory of the Mini Bank of the Islamic Institute of Sultan Muhammad Syafiuddin Sambas, which is indicated by the Fcount> F table of 16.347>3.209 while the significance level is smaller than 0.05, which is 0. 000<0.05 so that the effect is 42.6%. Thus it can be concluded that income and financial literacy have a positive effect on saving awareness.
ANALISIS ETOS KERJA PETANI KARET TERHADAP PENDAPATAN DALAM PEMENUHAN KEBUTUHAN KELUARGA DITINJAU PERSPEKTIF EKONOMI ISLAM Nazila, Hikmatun
Sebi : Studi Ekonomi dan Bisnis Islam Vol. 6 No. 1 (2024): Jurnal Studi Ekonomi dan Bisnis Islam (SEBI)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sebi.v6i1.2458

Abstract

This research was motivated by indications that the income of rubber farmers in Tempapan Hulu Village, Galing District was insufficient, apart from that, farmers' expenditure was greater, which gave rise to several problems related to the work ethic of rubber farmers regarding income in meeting the needs of families in the village. The theories used in this research are: 1) work ethic, 2) income, 3) fulfillment of needs. The aim of this research is to determine the work ethic of rubber farmers on income in meeting family needs from an Islamic economic perspective. The method used by researchers is qualitative and the data collection techniques used are observation, interviews and documentation. The primary data source is 15 informants who are rubber farmers in Tempapan Hulu Village, Galing District. Where the data analysis techniques used are data reduction, data display, and drawing conclusions and the data validity techniques used are triangulation and member checking. Based on the research results, it shows that rubber farmers in Tempapan Hulu Village have a fairly good work ethic, although there are farmers' work ethic that is not good, such as not being able to say they work hard, lack discipline, are unproductive and lack insight and when viewed from an Islamic economic perspective, rubber farmers have both in terms of honesty, motivation, thriftiness and toughness, as well as in fulfilling family needs which are already good in terms of health level, education level and housing conditions, however, when viewed from the level of income and composition of expenditure, rubber farmers in Tempapan Hulu Village, Galing District only enough to meet primary needs only
POTENSI PASAR RAKYAT DALAM MENINGKATKAN KESEJAHTERAAN PEDAGANG PASAR RAKYAT KECAMATAN TEBAS KABUPATEN SAMBAS DALAM PERSPEKTIF EKONOMI ISLAM Mega; Kusnadi, iwan
Sebi : Studi Ekonomi dan Bisnis Islam Vol. 6 No. 1 (2024): Jurnal Studi Ekonomi dan Bisnis Islam (SEBI)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sebi.v6i1.2462

Abstract

This research is motivated by the traditional market which is increasingly left behind and there are indications that the market is one of the efforts in the process of increasing the welfare of traders in an economy. With this kind of business, it is hoped that it will enable traders to create better economic conditions than before. In order for this achievement to be carried out optimally, it is considered necessary to explore the existing potential to then be developed optimally. The data validity technique used is triangulation. Based and the results of the study it can be concluded that the potential of the people’s market in improving the welfare of the people’s market traders in Tebas distric in an Islamic economic perspective has the potential to be developed because it has the interest of buyers who are still classified as existing, the price offered is cheap and easily accessible by people from the lower class, products that are there are people’s markets that also have a variety of variations, a strategic market location, and close to he crowds, opposite the location of bus stops and the morning market, is also a potential. In terms of welfare, traders in people’s markets can be categorized as prosperous, that is, seen from the income earned,theybare able to provide sufficient to meet the necessities of life, as well as help the family economy. The fulfillment of welfare in the perspektive of Islamic economics has also been classified as fulfilled, it can be seen from the statements of traders who say that the results of this trade have been able to bring them to go on pilgrimage and umrah.
MENINJAU EFEKTIVITAS PROGRAM PENJAMINAN LPS DALAM MENJAGA STABILITAS DAN KEPERCAYAAN DALAM SISTEM KEUANGAN muslimin; Katsirin, Khairul
Sebi : Studi Ekonomi dan Bisnis Islam Vol. 6 No. 1 (2024): Jurnal Studi Ekonomi dan Bisnis Islam (SEBI)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sebi.v6i1.2501

Abstract

This research was conducted to review the effectiveness of the LPS guarantee program in maintaining stability and trust in the financial system in Indonesia. The method used is descriptive-qualitative with secondary data collection from various sources. The results of the study indicate that the LPS guarantee program has been successful in maintaining stability and trust in the financial system, especially in Indonesia, but there are several challenges that need to be overcome in order to increase the program's effectiveness. Policy recommendations that can be implemented include increasing the maximum limit for reimbursement of funds by the LPS, increasing the supervisory mechanism for guaranteed banks, increasing public education about the LPS guarantee program, providing more accurate and transparent data and information, and closer cooperation between LPS and guaranteed banks. With the implementation of these policies, it is expected to increase the effectiveness of the LPS guarantee program and maintain stability and trust in the financial system in Indonesia.
PENGARUH PEMBIAYAAN MURABAHAH TERHADAP PERKEMBANGAN USAHA MIKRO (Studi pada Unit Pengelola Kegiatan Kecamatan Semparuk) Safitri, Raya; Sumar'in
Sebi : Studi Ekonomi dan Bisnis Islam Vol. 6 No. 1 (2024): Jurnal Studi Ekonomi dan Bisnis Islam (SEBI)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sebi.v6i1.2511

Abstract

The Semparuk District Activity Management Unit (UPK) is an institution engaged in empowering rural communities, channeling financing to communities who need capital to run their businesses. The form of implementation of sharia financing is the principle of buying and selling based on a Murabahah contract and equipped with a Wakalah contract. The purpose of this study was to determine whether or not there is a positive or significant relationship between the effect of murabahah financing on the development of micro-enterprises. The theory used in this study is: 1) Murabahah Financing, 2) Micro Enterprises. This study uses a quantitative approach. Based on the results of simple linear regression analysis, it is known that there is a significant positive effect between murabahah financing on the development of micro-enterprises in the Semparuk District Activity Management Unit (UPK). This is shown by the results of the t test where the tcount value is 9,222 and the ttable value is 1.663. Therefore the value of tcount > ttable. Based on the results of the Coefficient of Determination (R²) test, the R Square value was 0.506. This shows that business development is affected by murabahah financing by 50.6% while the remaining 49,4% is influenced by other factors not discussed in this study. Thus it can be concluded that Ha is accepted and Ho is rejected.
PENGUKURAN KINERJA DENGAN MENGGUNAKAN PENDEKATAN BALANCED SCORECARD PADA UNIT PENGELOLA KEGIATAN (UPK) SYARIAH MANDIRI KECAMATAN SELAKAU Aurellia, Elita; Nashirun
Sebi : Studi Ekonomi dan Bisnis Islam Vol. 6 No. 1 (2024): Jurnal Studi Ekonomi dan Bisnis Islam (SEBI)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sebi.v6i1.2512

Abstract

The Syariah Mandiri Activity Management Unit (UPK) Selakau District conducts performance measurements at the Syariah Mandiri Activity Management Unit (UPK) Selakau District using only a financial perspective. The Syariah Mandiri Activity Management Unit (UPK) Selakau Sub-District has not conducted performance appraisals in the perspective of customers or members' views, performance measurements in the perspective of internal processes, and performance appraisals in the perspective of learning and growth. Therefore, researchers are interested in measuring the performance of the Syariah Mandiri Activity Management Unit (UPK) Selakau District, using the Balanced Scorecard method because it is a very appropriate method used to assess performance in the Syariah Mandiri Activity Management Unit (UPK) Selakau District, because the Balanced Scorecard method not only assesses in financial terms but also assesses in non-financial terms. The focus of the problem in this study is: How is the performance of the Independent Sharia Activity Management Unit (UPK) Selakau District seen from the use of the Balanced Scorecard approach?. This research method uses a qualitative approach. Then in this study using a type of descriptive qualitative research. Data collection techniques used based on primary data are observation, interviews and documentation. Then the secondary data are profile data of the Activity Management Unit (UPK) Selakau District, archives, books, journals, income statements and balance sheets. Based on the results of field research, it can be concluded that performance from a financial perspective has decreased profit and loss as seen from the income statement data of the Sharia Mandiri Activity Management Unit (UPK), Selakau District. Therefore, financial performance is measured to be not good overall due to a decrease in profits from 2020-2022. Performance from the customer's perspective on the number of customers always increases. This can be measured as a whole, the increase occurred from 2020-2022, showing a good performance from the perspective of good customers from the Syariah Mandiri Activity Management Unit (UPK), Selakau District, in obtaining customers. Performance from the perspective of internal business processes has increased as seen from transaction value data and the growth rate of the Syariah Mandiri Activity Management Unit (UPK), Selakau District. It can be measured that the perspective of internal business processes is good enough. Performance in the perspective of growth and learning decreased as seen from the productivity data of employees of the Syariah Mandiri Activity Management Unit (UPK), Selakau District. This suggests that the performance of growth and learning perspectives can be measured not well.
PERAN PRODUK SEMBAKO ASAL MALAYSIA TERHADAP PEMENUHAN KEBUTUHAN RUMAH TANGGA MASYARAKAT PERBATASAN INDONESIA DI KABUPATEN SAMBAS Yuniarti, Desi
Sebi : Studi Ekonomi dan Bisnis Islam Vol. 6 No. 1 (2024): Jurnal Studi Ekonomi dan Bisnis Islam (SEBI)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sebi.v6i1.2695

Abstract

The title of this research is the impact of basic food products from Malaysia on meeting the household needs of Indonesian border communites in Sambas district. Aruk is one of the border areas in Indonesia-Malaysia. With the construction of the National Border Crossing Post (PLBN) as an official channel to support cross. border trade between countries. The aim of this research is. the author would like to identify and describe the processes of the role of products from Malaysia in meeting the needs of Indonesian Community Households.
IMPLEMENTASI NILAI-NILAI DASAR EKONOMI SYARIAH DALAM TRANSAKSI JUAL BELI PADA PEDAGANG MUSLIM DI PASAR RABU KECAMATAN GALING KABUPATEN SAMBAS : The purpose of the research is expected to create the growth of ethical entrepreneurial spirits. As a people, we know and understand what values should be practiced in carrying out trading activities. Eva CLaudia Boru Lubis, Eva Claudia Boru Lubis; Sulia Sukmati, U; Iva Ashari Ananda
Sebi : Studi Ekonomi dan Bisnis Islam Vol. 6 No. 2 (2024): Jurnal Studi Ekonomi dan Bisnis Islam (SEBI)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sebi.v6i2.3033

Abstract

This research, using a descriptive qualitative approach, and includes the type of field research (field research). The data collection techniques used were observation, interviews and documentation. The primary source of data used is Muslim traders in Pasar Rabu. Research data analysis techniques are data reduction, data presentation, drawing conclusions. The data validity technique used is triangulation. The results of this study are 1). The understanding of traders related to the basic values of the Islamic economy in buying and selling transactions in the Wednesday Market is fully aware and understands in carrying out every transaction to buyers can be seen from the value of tawhid in terms of goods traded is always relying on halal and good buying and selling. As for the value aspect of adl (fairness), it is found that traders always instill the principle of fairness, which can be seen not looking at differences in social status to buyers in giving prices. Then the value of nubuwwah can be said that traders trade in accordance with the Quran and what is taught by the Prophet such as being polite, trustful, honest, open to a condition of goods without hiding a defect. For the value of the khilafah itself that every carrying out a buying and selling activity in the market cannot be separated from the form of interference and supervision of related parties in order to minimize fraud in order to create a safe and controlled market atmosphere. As for the value of ma'ad (results), every benefit from the results of trading from these results can lead to goodness and blessings in the world and in the hereafter. The application of Islamic economic values in trading has been fully implemented. The application carried out in the form of every action taken by traders in the Wednesday Market in selling goods always applies the concept of buying and selling halal and good, carrying out trade by prioritizing the blessings of the world and the hereafter
PERAN PEMBIAYAAN MODAL KERJA MURABAHAH DALAM MENDUKUNG PERKEMBANGAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) PADA MASYARAKAT DI KECAMATAN SAMBAS (Studi pada Bank Kalbar Syariah Cabang Sambas) fitriana; Kusnadi, iwan
Sebi : Studi Ekonomi dan Bisnis Islam Vol. 6 No. 2 (2024): Jurnal Studi Ekonomi dan Bisnis Islam (SEBI)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sebi.v6i2.3050

Abstract

Islamic Bank is a financial institution that collects public funds in the form of savings and distributes them to the public, in order to improve an economy. Bank financial institutions are very important to help micro, small and medium enterprises (MSMEs) who have difficulties in business capital issues. This research uses a type of descriptive qualitative research, which is obtained from the results of observational data and interviews which are described descriptively. The benefit of this research is to find out whether the role of murabahah working capital financing in supporting the development of a micro, small and medium enterprise has been carried out properly so that an MSME has progressed. The results of this study indicate that the role of murabahah working capital financing provided by Bank Kalbar Syariah Sambas Branch is very influential so that it can have a good impact on the business sector, so that the business being carried out experiences a development, this statement can be strengthened by the smooth payment of installments from business actors and a review of the business location was carried out from the Bank Kalbar Syariah Sambas Branch in the financing sector, and with full support in the form of providing facilities, namely business nameplate banners, table numbers, barcodes, EDC machines provided by Bank Kalbar Syaraiah Sambas Branch for the MSME business sector then the business being carried out is increasingly progressing very rapidly in business development, this is also supported by customers who make financing at the Sambas Branch Sharia Bank Kalbar, explaining that with the murabahah working capital financing the business he is undertaking is developing and experiencing a business progress.
Efektivitas Pengelolaan Dana Desa Dalam Pembangunan Infrastruktur Di Desa Mekar Sekuntum pribadi, windi
Sebi : Studi Ekonomi dan Bisnis Islam Vol. 6 No. 2 (2024): Jurnal Studi Ekonomi dan Bisnis Islam (SEBI)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sebi.v6i2.3097

Abstract

This study uses a qualitative approach with a total of 6 (six) speakers consisting of the Village Head, Village Secretary, General Chairperson of the Farmer Group, and the people who live in Mekar Sekuntum Village. There are 2 (two) types of data used, namely primary data in the form of direct interviews with sources and secondary data obtained from the Mekar Sekuntum village office and the Central Statistics Agency of Sambas Regency. The method used in the analysis is using the calculation of the effectiveness ratio to measure the level of effectiveness and using RI Law no. 6 of 2014 concerning Villages, Permendagri No. 113 of 2014 concerning the Management of Village Funds and Perbup Sambas No. 48 of 2018 concerning Village Fund Management to measure the effectiveness of Village Fund management. The results of this study indicate that the effectiveness of the Village Fund in Mekar Sekuntum Village in 2020 is declared effective using an effectiveness ratio with a score of 99.99% and in 2021 it is declared very effective with a score of 100%. For development in 2020 it is declared effective with a score of 96.80% and 2021 is also declared effective with a score of 99.99%. Meanwhile, agriculture in 2020 was declared ineffective with a score of 0.00% and in 2021 it was declared effective with a score of 99.99%. Meanwhile, the management of the Village Fund is stated to have been in accordance with RI Law Number 6 of 2014 concerning Villages, Minister of Home Affairs Regulation Number 113 of 2014 concerning Village Financial Management and Sambas Regent Regulation Number 48 of 2018 concerning Village Financial Management.

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