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Purniadi Putra
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INDONESIA
Southeast Asia Journal of Graduate of Islamic Business and Economics
Published by Institut Agama Islam Sultan Muhammad Syafiuddin Sambas
ISSN : -     EISSN : 28300335     DOI : https://doi.org/10.37567/sajgibe.v2i1.2262
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Jurnal SAJGIBE terbit tiga kali setahun. Artikel harus ditulis dalam bahasa Inggris dan Indonesia, jurnal peer-review, dan mengkhususkan diri pada Ekonomi Islam. Semua makalah, artikel penelitian yang masuk ke jurnal online ini akan direview oleh 2 (dua) reviewer. Setelah naskah dikirimkan oleh penulis melalui proses pengiriman online, editor jurnal menyaring manuskrip dan memutuskan apakah akan mengirimkannya untuk tinjauan sejawat penuh atau tidak. Hanya setelah menyelesaikan penyaringan awal, naskah dikirim ke satu atau lebih peninjau sejawat. Akhirnya, editor jurnal atau dewan editorial jurnal mempertimbangkan laporan peer reviewer dan membuat keputusan akhir untuk menerima atau menolak manuskrip untuk diterbitkan. Artikel penelitian yang diterima akan tersedia secara online.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 91 Documents
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The Effectiveness Of Sharia Fintech Securities Crowdfunding (Scf Syariah) For Business Capital For Santripreneurs In Indonesia Rian Alfi
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 5 No. 1 (2026): May
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v5i1.5190

Abstract

This study analyses the effectiveness of Sharia Securities Crowdfunding (SCF Syariah) as an innovative solution to the capital constraints faced by santripreneurs in Indonesia. Using a Systematic Literature Review (SLR) covering the period 2020–2025, this study evaluates strategic opportunities and fundamental barriers within the pesantren ecosystem. The findings indicate that Sharia SCF possesses a competitive advantage due to its alignment with the principle of ta’awun and the implementation of profit-sharing contracts such as Mudharabah and Musyarakah, which are free from riba. However, its growth is hindered by low digital financial literacy among santri in developing business projections, regulatory gaps regarding information disclosure standards, and limited technological infrastructure in remote areas. This study concludes that Sharia SCF, through Mudharabah and Musyarakah contracts, is an innovative instrument aligned with the principle of ta’awun within the pesantren ecosystem. Although santripreneurs hold a strategic position in producing global commodities, the effectiveness of this financing remains hindered by low digital financial literacy and regulatory limitations regarding human resource standardisation and investor protection. Therefore, the success of Sharia SCF requires systemic readiness and stakeholder synergy to mitigate the risks of information asymmetry and strengthen the business accountability of Islamic boarding schools.
The Role Of Education In Preserving Local Cultural Wisdom In Kapuas Hulu District Endar Purnawan; Istiqomah; Ria Sabani
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 2 No. 2 (2023): September
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v2i2.3094

Abstract

This article critically reviews the important role of education in preserving local wisdom and culture in Kapuas Hulu, West Kalimantan. Based on a thorough analysis of various literature reviews, the article presents an in-depth understanding of how the education system can become the backbone of efforts to preserve a rich and diverse cultural heritage. In this context, the study sheds light on strategies and concrete measures that can be adopted by educational institutions to strengthen the connection between the younger generation and their local cultural values. It was found that the integration of cultural values in the education curriculum, the organization of extracurricular activities that promote local culture, and the provision of in-depth knowledge about local traditions have a significant impact in fostering a sense of belonging and respect for cultural heritage. In addition, the results show that an educational approach that focuses on local wisdom can create a stronger connection between individuals and their cultural identity. Thus, overall, the findings of this study confirm the importance of cooperation between the worlds of education and culture in maintaining the continuity and relevance of Kapuas Hulu's culture in the ever-evolving era of globalization.
The Impact Of Online Commerce On Economic Growth Endar Purnawan; Heri Triyana; Munawar Rahim
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 3 No. 1 (2024): May
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v3i1.3535

Abstract

This study aims to assess the impact of online trade through e-commerce and social commerce (s-commerce) on community empowerment and economic growth in Indonesia. This study uses a qualitative approach with a descriptive method. Primary data was obtained through in-depth interviews with small and medium enterprises (SMEs) and users of e-commerce and s-commerce platforms. Meanwhile, secondary data was collected from various relevant reports, publications and studies on the digital economy in Indonesia. Data analysis was conducted using a thematic approach to identify patterns, challenges, and opportunities in online trading activities. The results show that e-commerce and s-commerce contribute significantly to community empowerment through increased access to global markets, creation of new business opportunities, and increased income for SMEs. In addition, online commerce promotes economic inclusion by giving previously marginalized groups the opportunity to participate in the digital economy. However, challenges include limited internet access in remote areas, low digital literacy, data security risks, and digital inequality between regions. The implications of this research underscore the importance of policy interventions, such as equitable digital infrastructure development, digital skills training programs, and personal data protection, to ensure the sustainability and equitable distribution of digital economy benefits. This research contributes to understanding the dynamics of online commerce in Indonesia and offers recommendations for inclusive digital economy development.
The Effect of Central Government Assistance, Programme Implementation Quality, and Financial Behaviour on the Welfare of Beneficiary Families in Sambas Regency An Am Alhamzi; Erni Panca Kurniasih
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 4 No. 3 (2026): January
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v4i3.4545

Abstract

This study aims to analyze the effect of Central Government Assistance, program implementation quality, and financial behavior on the welfare of beneficiary families in Sambas Regency. The research method used is a quantitative approach with Structural Equation Modeling-Partial Least Squares (SEM-PLS). The population of the study includes all BPP recipient families in Sambas Regency, with samples taken using two-stage cluster sampling. Primary data were collected through Likert-scale questionnaires, and secondary data were obtained from the Sambas Social Service. The analysis results show that Central Government Assistance, program implementation quality, and financial behavior positively and significantly affect beneficiary families' welfare.
Islamic Economic Philosophy: A Philosophical Analysis Of The Digital Consumption Phenomenon From The Perspective Of Maqasid Al-Syariah In Indonesia Asri Tesi Ramadhani; Syukri Iska; Fandi Ahmad Marlion; Azifah Hidayati
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 4 No. 3 (2026): January
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v4i3.4782

Abstract

This study aims to analyze the concept of consumption in Islamic economics, the phenomenon of Indonesian consumption in the digital era, and its alignment with the principles of Islamic economic philosophy. This study uses the Systematic Literature Review (SLR) method by examining ten scientific articles published between 2020 and 2025 that are relevant to the theme of digital consumption and Islamic values. The selection of these ten articles was based on academic justification based on thematic saturation, which occurs when additional literature no longer produces significant new conceptual themes. This approach was chosen to ensure the representativeness and depth of analysis of the issue of digital consumption in the context of Islamic economic philosophy. The research gap in this study lies in the absence of research that explicitly links Islamic consumption philosophy to the phenomenon of digital consumption through the Maqasid al-Shari'ah framework. The results of the study indicate that consumption in Islamic economics is not merely aimed at satisfying (utility), but is oriented towards achieving maslahah (benefit) and barakah (blessings). The phenomenon of digital consumption in Indonesia shows two extreme poles: increasing awareness of halal (halal) and consumption ethics on the one hand, and consumptive behavior influenced by social media, market algorithms, and digital services on the other. Although digitalization brings convenience and efficiency, digital consumption practices do not fully align with the principles of justice ('adl), moderation (wasathiyah), and benefit (kemaslahah) in Islamic economic philosophy. Therefore, strengthening Islamic economic literacy, digital ethics, and consumption spirituality is necessary to achieve consumption behavior that is just, balanced, and oriented towards the values ​​of maqasid al-Shari'ah
Islamic Economic Development Based On Local Potential: A Study Of Fisheries Sector Management In Sambas Regency Reo Zaputra
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 5 No. 1 (2026): May
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v5i1.5356

Abstract

This article analyzes Islamic economic development based on local potential through fisheries sector management in Sambas Regency, a coastal border area between Indonesia and Malaysia. The study is driven by the fact that Sambas has a long coastline, three river basins, capture fisheries centers, and diverse fishery commodities, yet its economic management has not fully generated optimal added value for coastal communities. This research applies a descriptive qualitative approach supported by Location Quotient, Dynamic Location Quotient, Shift Share, and SWOT analysis. The main data consist of fisheries production and GRDP figures from 2015 to 2019, government documents, observation, and interviews. The findings show that the fisheries sector is an economic base sector, with an average LQ of 2.75 and a DLQ of 1.17, indicating that it is both leading and prospective. The Shift Share components indicate a positive total value, although competitive advantage still needs to be strengthened through processing, logistics, and institutional capacity. From an Islamic economic perspective, fisheries management is relevant to maqasid sharia, particularly the protection of life, wealth, and family continuity. The main recommended strategies include strengthening infrastructure, processing technology, human resources, fishermen institutions, and governance that is just, transparent, and sustainable.
The Impact of Macroeconomic Indicators on the Movement of Third-Party Funds at Bank Kalbar Teddy Wahyudi; Erni Panca Kurniasih
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 5 No. 2 (2026): September
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v5i2.5523

Abstract

Third Party Funds (TPF) represent the primary funding source in the banking industry and play an essential role in supporting financial intermediation. The ability of banks to collect public funds is influenced by internal and external factors, including macroeconomic conditions. This study aims to analyze the influence of macroeconomic indicators, namely BI-Rate and inflation, on the movement of Third Party Funds at Bank Kalbar. This study employed a quantitative approach using the Vector Autoregression (VAR) method. Secondary quarterly time-series data from January 2013 to September 2025 were collected from Bank Kalbar publications, Bank Indonesia reports, and Statistics Indonesia. Analytical procedures included stationarity testing, optimal lag determination, cointegration testing, and VAR estimation. The results indicate that all variables achieved stationarity at the first difference level (I(1)) and demonstrated long-term relationships. Findings suggest that BI-Rate and inflation are associated with the movement of Third Party Funds at Bank Kalbar. Therefore, fund mobilization strategies should consider macroeconomic developments to maintain sustainable growth.
Strengthening the Competitiveness of MSMEs in the Indonesia–Malaysia Border Region Muhammad Rio
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 5 No. 1 (2026): May
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v5i1.5650

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in promoting economic growth, creating employment opportunities, and improving community welfare, particularly in border areas. The Indonesia–Malaysia border region, especially around the Aruk State Border Crossing Post (PLBN Aruk) in Sambas Regency, West Kalimantan, possesses considerable economic potential due to cross-border trade activities, abundant local resources, and diverse regional flagship products. However, the competitiveness of MSMEs in this region continues to face various challenges, including limited access to financial resources, inadequate human capital, low adoption of digital technology, insufficient product innovation, limited business legality, and restricted market access. This study aims to analyze the factors influencing the competitiveness of MSMEs in the Indonesia–Malaysia border area and to formulate sustainable strategies for strengthening their competitiveness. This research employed a qualitative approach using a library research method by reviewing relevant scientific journal articles, books, government reports, regulations, and other academic documents related to MSME development in border areas. The collected data were analyzed using descriptive qualitative analysis, involving data condensation, data display, and conclusion drawing. The findings indicate that strengthening MSME competitiveness requires integrated strategies, including human resource development, digital marketing adoption, local resource-based product innovation, institutional strengthening, improved access to financing, and supportive government policies. Effective collaboration among government institutions, business actors, universities, and local communities is essential to establish a competitive MSME ecosystem capable of maximizing cross-border trade opportunities and contributing to sustainable economic development in the Indonesia–Malaysia border region.
Risk and Innovation In Technology Startups: Mapping The Intellectual Structure and Future Research Directions Irsyad Kamal; Desty Hapsari Kirana; Shadra Kusumanagara
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 5 No. 1 (2026): May
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v5i1.5661

Abstract

This study maps the development, intellectual structure, and emerging research directions of literature on risk and innovation in technology startups. Using the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) framework, 54 Q1 Scopus-indexed articles published between 2022 and 2026 were selected from 77 initial records. Bibliometric analysis was conducted using publication and citation analysis, keyword co-occurrence, reference co-citation, and country co-authorship, with VOSviewer and SCImago Graphica used for network and geographical visualization. The findings show that publication activity increased after 2023, while the literature remains dispersed across journals and concentrated in several countries, particularly China, the United States, the United Kingdom, and Spain. Keyword analysis identifies a conceptual structure connecting innovation, venture capital, investment, technology adoption, digital innovation, artificial intelligence, sustainability, and technological development. Co-citation analysis shows that the field draws on resource-based, dynamic capability, entrepreneurship, and venture capital perspectives. International collaboration is present but remains divided across several country clusters. These findings indicate that research on risk and innovation in technology startups has developed through multiple connected but only partially integrated streams. This study contributes by organizing the field’s conceptual, intellectual, and collaboration structures and by identifying future research opportunities related to conceptual integration, emerging technology risk, financing, startup ecosystems, and methodological development.
Sukuk-Linked Waqf: A Systematic Comparative Analysis Of Institutional and Regulatory Frameworks Tarada Berlian Megananda; Nurul Rahmah Kusuma
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 5 No. 1 (2026): May
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v5i1.5671

Abstract

Waqf is one of the oldest instruments of Islamic philanthropy with substantial economic potential, yet it has historically been managed conservatively as immovable physical assets, limiting its productivity. Sukuk linked waqf has emerged as an Islamic social finance innovation that integrates waqf, particularly cash waqf, with sukuk instruments to generate sustainable returns while preserving the corpus value. This study examines the development, strengths, weaknesses, and potential of sukuk linked waqf in Indonesia through a systematic comparison with Malaysia and Saudi Arabia, two countries with well-established Islamic finance ecosystems. The study adopts a systematic literature review approach informed by the PRISMA protocol, drawing on indexed scholarly publications, official reports of waqf and Islamic capital market authorities, and national regulations from the three countries. The findings indicate that Indonesia, through its Cash Waqf Linked Sukuk (CWLS), possesses a relatively strong regulatory framework and the world's largest Muslim population base, yet still faces low waqf literacy, limited fund mobilization, and fragmented institutional coordination. Malaysia excels in the diversity of waqf-sukuk contract structures (ijarah, musharakah, SRI sukuk) and a mature Islamic capital market framework, though it faces cross-state structural complexity. Saudi Arabia stands out for its historical experience with sukuk al-intifa' in the Zamzam Tower project and modern institutional reform through the General Authority for Awqaf, with competitive waqf investment returns. The study concludes that Indonesia holds enormous annual cash waqf potential that remains far from fully realized, necessitating stronger public literacy, digitalized governance, cross-institutional regulatory harmonization, and lesson-drawing from Malaysia's contractual innovation and Saudi Arabia's investment governance.

Page 9 of 10 | Total Record : 91

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