E-journal Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda
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Determinants of QRIS as a Payment Method for ZIS at BAZNAS Banjarmasin: The Role of Perception, Ease of Use, and Religiosity
Full text linkThe rapid development of technology has driven the adoption of digital payment systems, one of which is QRIS (Quick Response Code Indonesian Standard), which facilitates transactions. This study aims to analyze the effect of perceived benefits and ease of use on the decision to use QRIS at BAZNAS Kota Banjarmasin, with religiosity as a moderating variable. The research method used is a quantitative approach with data collected through questionnaires and analyzed using PLS (Partial Least Squares) with SmartPLS software. The population of the study consists of the people of Kota Banjarmasin, with 100 respondents. The results show that perceived benefits and ease of use positively influence QRIS adoption. Religiosity does not strengthen the effect of perceived benefits, but it can strengthen the effect of ease of use on the decision to adopt QRIS
Meningkatkan Kemandirian dan Antusiasme Belajar Anak Usia Dini melalui Kegiatan Kolase di PAUD Wafa Humaira
Full text linkThis study is motivated by the low independence of children at PAUD Wafa Humaira, where only 5 out of 13 students show independent abilities. This study aims to improve children's independence and enthusiasm for learning through collage activities. The main objective of this study was to investigate and prove that collage art activities can increase independence and enthusiasm for learning in early childhood at PAUD Wafa Humaira Samarinda. This study used a classroom action research (PTK) method with two cycles. Data were collected through observation, interviews, and documentation. The results showed that collage activities are effective in increasing the independence and enthusiasm of learning in early childhood. There was a significant increase in the second cycle, which indicates that children can develop independence through gradually designed tasks. It can be concluded that collage art activities can increase independence and enthusiasm for learning in early childhood at PAUD Wafa Humaira Samarinda. Through collage activities, children can develop cognitive, social-emotional, and motor skills, and engage in fun and meaningful learning
Pengembangan Media SURIA (Sunda Ceria) dalam Meningkatkan Kosakata Bahasa Sunda Anak Usia 5-6 Tahun
Full text linkThis research aims to develop an effective learning medium called SURIA (Sunda Ceria) to improve the Sundanese vocabulary skills of children aged 5–6 years. The background of this study is based on the low mastery of Sundanese vocabulary among young children and the lack of engaging and developmentally appropriate learning media. The research employed the Research and Development (R&D) method using a simplified version of the Borg and Gall model, which includes six stages as adapted from Sugiyono: identifying potential and problems, data collection, product design, validation, revision, and product testing. Data collection techniques included observation, documentation, and tests. The validation results from material experts showed a feasibility of 98%, indicating it was very feasible. Similarly, the validation results from media experts showed a feasibility of 88.3%, also indicating it was very feasible. These results indicated that the SURIA media was very suitable for use in learning. The effectiveness test, using the Pre-Test–Post-Test Non-Equivalent Control Group Design, showed that there was a significant increase in Sundanese vocabulary in children who used this media. SURIA media had been proven to improve cognitive and linguistic aspects, as seen from the results of the Paired Sample T-test, namely a sig value of 0.000 <0.05, which meant there was a significant difference before and after using SURIA media, showing that SURIA media was effective in improving the Sundanese vocabulary skills of early childhood children. In addition, SURIA media also fostered children's interest and love for regional languages. Therefore, this media was considered an innovative alternative in preserving Sundanese from an early age
PENGARUH KUALITAS PELAYANAN DAN CORPORATE SOCIAL RESPONSIBIITY (CSR) TERHADAP CITRA BMT NU JAWA TIMUR
Full text linkThis study analyzes the influence of Service Quality and Corporate Social Responsibility (CSR) on the formation of the Image of BMT NU East Java as a sharia microfinance institution. Grounded in SERVQUAL theory (Parasuraman et al., 1988), CARTER model for Islamic banking (Othman & Owen, 2001), and Carroll's CSR framework (1991), the research addresses challenges in building positive institutional image for sustainable growth. This quantitative study uses a field approach with incidental sampling techniques on 100 respondents from among Islamic boarding school students who are customers of BMT NU East Java. Data were analyzed using validity tests, reliability tests, classical assumption tests, multiple linear regressions, and hypothesis tests through SPSS Statistics 26. The findings reveal that both service quality and corporate social responsibility demonstrate statistically significant positive influences on institutional image formation. Service quality emerges as a critical determinant in shaping customer perceptions, while CSR programs contribute substantially to building trust and credibility. The combined effect of these variables explains the vast majority of institutional image variance, indicating their strategic importance for BMT sustainability and growth. Practically, findings suggest BMT managers should prioritize Islamic finance service training and implement community-focused CSR programs to enhance institutional reputation and competitive positioning in the Islamic microfinance sector
INTEGRASI FITUR ZISWAF DALAM DIGITAL BANKING BANK SYARIAH: PELUANG DAN TANTANGAN (STUDI KASUS PADA BANK SYARIAH INDONESIA)
Full text linkThe digital transformation in the banking sector has created new opportunities for Islamic financial institutions to optimize social finance instruments. This study investigates the integration of Ziswaf (Zakat, Infaq, Sadaqah, and Waqf) features into Bank Syariah Indonesia's digital banking platform, analyzing the implementation process, opportunities, and challenges. Using a qualitative case study approach, data were collected through semi-structured interviews with 12 key informants, document analysis, and participatory observation of the BSI Mobile application. The findings reveal that BSI's Ziswaf digital implementation has yielded significant results, with a 172% transaction growth during 2021-2023 and collection value reaching Rp 72 billion in 2023. Key success factors include API-based technology architecture, personalized services, and enhanced transparency through impact tracking features. However, digital literacy gaps, technological infrastructure limitations in rural areas, resistance to change from traditional methods, and Sharia compliance complexities pose notable challenges. The study recommends developing a sustainable innovation model through "Digital Ziswaf Innovation Lab," implementing multi-channel education strategies, strengthening ecosystem collaboration via "Indonesia Ziswaf Digital Alliance," and utilizing data analytics to enhance service effectiveness. These initiatives can transform Islamic social finance while promoting wider Islamic financial inclusion
PARADOKS IMPLEMENTASI EKONOMI ISLAM DI NEGARA-NEGARA MUSLIM: INTEGRASI NILAI TAWAKKAL DAN IKHTIAR
Full text linkThe Islamic economic system is widely promoted in Muslim-majority countries as a comprehensive alternative to capitalism and socialism. However, its practical implementation often reveals a paradox: while Islamic values such as tawakkal (trust in God) and ikhtiar (human effort) are central to the theology of Islamic economics, they are rarely embedded in institutional and policy frameworks. This study aims to explore this paradox by analyzing the integration of tawakkal and ikhtiar within the economic governance structures of Muslim countries. Drawing on a qualitative literature review, the research identifies key obstacles including weak institutional capacity, low public literacy, and a symbolic adoption of Islamic financial instruments. The theoretical foundation is based on maqāṣid al-sharīʿah, which supports a balance between spiritual trust and rational action. The findings reveal that Islamic economic policies remain largely cosmetic, lacking systemic mechanisms to actualize these spiritual-economic values. Moreover, the integration of tawakkal and ikhtiar has not been adequately addressed in fiscal or monetary policy design. This study contributes a conceptual framework for rethinking Islamic economic policy with authentic value integration and highlights the urgent need for institutional reform, policy alignment, and educational strategies that embed ethical-spiritual dimensions into economic development
Efektivitas Zakat Produktif Serta Dampaknya Terhadap Peningkatan Pendapatan Mustahik
Full text linkPenelitian ini menganalisis efektivitas program zakat produktif yang dikelola oleh BAZNAS Kota Samarinda dalam meningkatkan kesejahteraan mustahik. Zakat produktif bertujuan memberdayakan mustahik agar mandiri secara ekonomi, tetapi implementasinya menghadapi berbagai tantangan. Studi ini menggunakan metode kualitatif dengan pendekatan studi kasus, mengumpulkan data melalui wawancara semi-terstruktur, observasi, dan analisis dokumen.
Hasil penelitian menunjukkan bahwa program zakat produktif belum sepenuhnya efektif dalam meningkatkan pendapatan mustahik. Hambatan utama yang ditemukan adalah kurangnya monitoring dan pendampingan usaha, serta keterbatasan sumber daya manusia dalam pengelolaan program. Sebagian mustahik mengalami peningkatan pendapatan, tetapi sebagian lainnya tidak menunjukkan perubahan yang signifikan akibat minimnya evaluasi dan dukungan pasca-pemberian zakat.Temuan ini mengindikasikan perlunya perbaikan dalam sistem monitoring, pendampingan usaha, serta optimalisasi sumber daya manusia. Implementasi sistem pelaporan berbasis digital dan peningkatan kapasitas pengelola zakat dapat membantu meningkatkan efektivitas program. Studi ini memberikan kontribusi bagi pengelola zakat dalam meningkatkan keberlanjutan zakat produktif sebagai instrumen pemberdayaan ekonomi mustahik
FENOMENA PENJUALAN KNALPOT BRONG DI SAMARINDA
Full text linkPenelitian ini mengkaji praktik penjualan knalpot brong di Kota Samarinda dengan menitikberatkan pada perspektif hukum positif dan hukum Islam. Keberadaan knalpot brong menimbulkan ketidaksesuaian fungsi dengan peruntukan sepeda motor, yang berdampak pada keluhan masyarakat serta menimbulkan tantangan dalam penegakan hukum. Penelitian ini bertujuan untuk menganalisis praktik penjualan knalpot brong dan menilai kesesuaiannya dengan ketentuan hukum positif maupun hukum Islam. Jenis penelitian yang digunakan adalah yuridis-empiris dengan pendekatan sosiologis, perundang-undangan, dan studi Islam. Data diperoleh melalui observasi, wawancara, dan dokumentasi, kemudian dianalisis menggunakan teknik reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa knalpot brong dijual secara bebas, baik secara offline maupun online, kepada pembalap maupun masyarakat umum. Penggunaannya di sirkuit balap resmi memberikan dampak positif berupa peningkatan akselerasi kendaraan dan efisiensi mesin. Namun, penggunaan di jalan raya menimbulkan dampak negatif berupa polusi suara, gangguan ketertiban umum, serta risiko sanksi hukum. Berdasarkan hukum positif, praktik penjualan knalpot brong belum sesuai dengan ketentuan Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen, khususnya Pasal 4 dan Pasal 8 ayat (1). Sementara itu, dalam perspektif hukum Islam, jual beli knalpot brong sah apabila digunakan di sirkuit balap resmi karena memenuhi rukun dan syarat jual beli serta memberikan kemaslahatan. Akan tetapi, penjualan secara bebas tanpa pembatasan penggunaan tidak sejalan dengan prinsip syariat Islam
Pembinaan Warga Belajar Di Desa Muara Badak Dalam Program Tuntas Belajar Tingkat Sekolah Menengah Pertama
Full text linkThe Junior Secondary Education Completion Program (Program Tuntas Belajar tingkat SMP) in Muara Badak Village aims to increase educational access for learners who have not completed basic education. Through a non-formal education approach, this program supports learners to achieve equivalency with junior secondary school graduates. The methods used include learning assistance, basic skills training, and the development of character and learning motivation. Support from the village government, active involvement of tutors, and the enthusiasm of learners are key success factors of the program. However, challenges such as limited facilities, constrained learning time due to work commitments, and low initial literacy levels remain. Overall, the program has made a positive contribution to improving the quality of human resources in Muara Badak Village and serves as a model for inclusive and context-based educational development
TANTANGAN KOMUNIKASI ANTAR BUDAYA DALAM MASYARAKAT MULTIKULTURAL
Full text linkKomunikasi antarbudayamemainkan peran penting dalam masyarakat multikultural, khususnya bagi umatIslam yang menghadapi berbagai rintangandalam mempertahankan identitas keislaman tanpa mengabaikan prinsip toleransi. Penelitian ini bertujuan untuk menganalisis bagaimana komunikasi antarbudayadapat menjadi sarana membangun harmoni sosial dan mengatasi stereotip serta prasangka negatif. Menggunakan pendekatan kualitatif dengan metode studi pustaka, penelitian ini menelaah berbagai teori komunikasi dan interaksi sosial dalam konteks keberagaman budaya. Hasil penelitian menunjukkan bahwa umat Islam perlu menerapkan strategi komunikasi yang inklusif dengan tetap berpegang pada prinsip-prinsip Islam. Pendidikan multikultural, dakwah moderat, dan penguatan identitas keislaman menjadi faktor utama dalam membangun interaksi yang harmonis. Selain itu, penguatan ekonomi umat dan peran lembaga keagamaan juga berkontribusi dalam mengatasi ketimpangan sosial yang dapat memicu konflik. Dengan menerapkan komunikasi antarbudayayang efektif, umat Islam dapat berperan aktif dalam menciptakan masyarakat yang lebih toleran, inklusif, dan harmonis