Cross-Border Journal of Business Management

STRATEGI BADAN AMIL ZAKAT NASIONAL (BAZNAS) DALAM MENYALURKAN DANA ZAKAT, INFAK, SEDEKAH (ZIS) DI BIDANG PENDIDIKAN KECAMATAN SAMBAS KABUPATEN SAMBAS

2025-09-22T06:58:57+00:00

This research is motivated by the Strategy of the National Zakat Amil Agency (BAZNAS) in channeling Zakat Infaq and Alms (ZIS) funds for education is very important for children to study at a higer level, but there are still many children who are less able to do so. Continuing education due to family economic factors. So that way BAZNAS created a superior program. This program focuses on school children who are less able to complete school. The National Zakat Amil Agency (BAZNAS) provides assistance in the form of school supplies that they need, starting from money, bags,pens,books, pencils and other school supplies.

The aim of this research is to determine the strategy of the National Zakat Amil Agency (BAZNAS) in distributing zakat, infaq and alms funds in the education sector of Sambas District, Sambas Regency. Apart from that, it is also to find out what are the inhibiting factors in distributing zakat, infaq and alms funds in the education sector of Sambas District, Sambas Regency. This type of research is field research, using a qualitative descriptive approach. The data collection technique used was through observation interviews and documentation based on existing sources in the field related to this research.

The results of this research conclude that BAZNAS strategy in distributing zakat, infaq and alms funds in the education sector in Sambas District has been running well, although sector in Sambas District has been running well, although it is not optimal. BAZNAS strategy in distributing zakat, infaq and alms funds in the education sector in Sambas District is to collaborate with schools. And institution related to the process of distributing ZIS funds in the education sector. There are 3 programs in the Sambas Regency BAZNAS program, namely education, health and house renovation programs. ZIS funds are collected by BAZNAS and distributed to 8 (eight) Asnaf, namely the Poor, Poor Amilin, Muallaf, Gharimin, Riqab, Fisabilillah and Ibnu Sabil. One form of responsibility is by channeling the zakat funds that have been collected to help reduce educational costs for people in need.

ANALISIS PENDAPATAN PETANI KARET DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT DESA TEMPAPAN HULU KECAMATAN GALING PERSPEKTIF EKONOMI ISLAM

2025-09-22T07:04:45+00:00

The development of the agricultural sector is directed at increasing the productivity of agricultural products to meet the food needs of the people and the needs of the domestic industry, increase exports, increase farmer incomes, expand employment opportunities and encourage business opportunities. In Galing District, most of the people's livelihoods are farming, planting plantation commodities such as rubber. Technically the commodities in Galing District are very supportive, there is still a lot of unused critical land which is a potential for plantation development in the future. One of them is that in Tempapan Hulu Village almost every household in Tempapan Hulu Village works as a rubber farmer. Even though Tempapan Hulu Village is one of the rubber-producing villages in Galing District, the reality shows that not all rubber farming communities live in better conditions and with the same land area but there are different levels of income generated by rubber farmers.

This research is a field research with primary data and secondary data. Collecting data in this study using the method of observation, interviews. The analytical method used is a qualitative analysis method.

The results of this study indicate that the income level of the community in Tempapan Hulu Village is still relatively low because the income of the people who still do not meet the UMK standards of Sambas Regency, the income of the rubber farming community is only around 1-2 million due to low rubber prices and also the rubber farmer's income depends on the weather . For the welfare of the community in Tempapan Hulu Village it is also still relatively low because the income from rubber products has not been able to fully meet the needs of the community and also the education of the community is still low due to damaged road access and also schools that are not provided in the village while for welfare in an economic perspective Islamic society belongs to the perspective of Islamic economics because the community carries out it responsibly and involves Allah in the work and also they perform the dawn prayer first before tapping rubber and in buying fertilizer the community has paid in cash not in debt.

PERAN PABRIK SAGU HAKIM DALAM MENINGKATKAN PENDAPATAN KARYAWAN DITINJAU PERSPEKTIF EKONOMI SYARIAH DI DESA SEBANGUN KECAMATAN SEBAWI

2025-09-22T07:08:31+00:00

Every factory has the potential to be developed, in its development the role of employees is needed to achieve the goal of optimal local resource processing both in terms of natural resources and from the potential possessed by each employee.

This research is a type of descriptive qualitative research with a type of research, namely field research (library research). The data collection techniques used are observation, interviews and documentation. The data sources used are primary data and secondary data. Data analysis techniques in the study used data reduction, data presentation and conclusion drawn. The data validity technique used is source triangulation.

The results of this study show that the role of the Hakim sago factory in increasing employee income is said to be good and achieved by the fulfillment of the three roles of the Hakim factory, namely helping to improve the employee economy; conducting employee coaching; participate in MSME funding. This study also shows that the role of the Hakim factory in increasing employee income reviewed from the perspective of Sharia Economics in Sebangun village, Sebawi District is said to be fulfilled as evidenced by increasing the living rate of employees, the fulfillment of employee needs, and the openness of the sago factory with the local government. There is employee participation in terms of developing village potential. Participation in sago festival activities is a characteristic of Sebangun village, Sebawi District.

PENGARUH RELIGIOSITY, KINERJA LAYANAN (HEDPERF), DAN KEPUASAN TERHADAP WORD OF MOUTH MAHASISWA INSTITUT AGAMA ISLAM SULTAN MUHAMMAD SYAFIUDDIN SAMBAS

2025-09-22T07:23:45+00:00

Penelitian ini bertujuan menjelaskan pengaruh religiosity, kinerja layanan (HEdPERF) dan kepuasan terhadap word of mouth mahasiswa Institut Agama Islam Sultan Muhammad Syafiuddin Sambas. Uji hipotesis menggunakan Structural Equation Modeling. Hasil penelitian menunjukkan bahwa religiosity berpengaruh terhadap kepuasan, kinerja layanan berpengaruh terhadap kepuasan, religiosity berpengaruh terhadap WOM, kinerja layanan berpengaruh terhadap WOM, kepuasan berpengaruh terhadap WOM, kepuasan dapat memedisi religiosity terhadap WOM, dan kepuasan dapat memediasi kinerja layanan terhadap WOM. Simpulannya semakin meningkatnya religiosity dan kinerja layanan akan meningkatkan kepuasan sehingga dapat meningkatkan WOM.

PENGARUH PEMBIAYAAN MUDHARABAH DAN PEMBIAYAAN MUSYARAKAH TERHADAP TINGKAT PROFITABILITAS PADA PT. BANK SYARIAH INDONESIA (BSI) PERIODE TAHUN 2021-2023

2025-09-22T07:27:36+00:00

Sambas State Polytechnic (Poltesa) is a state vocational higher education institution located in Sambas Regency, West Kalimantan. It was established on August 26, 2011, based on the Regulation of the Minister of National Education of the Republic of Indonesia Number 102 of 2011. Poltesa was founded to meet the demand for vocational higher education in the Indonesia–Malaysia border area, particularly in Sambas and its surrounding regions. With a focus on practice-based education at the diploma (D-III) and applied bachelor's (D-IV) levels, Poltesa is committed to producing graduates who are job-ready and aligned with local potential. In addition, the campus actively engages in community empowerment, applied research, and vocational training targeting MSMEs, farmers, fishers, and other local economic actors, thereby supporting sustainable development in underdeveloped, frontier, and outermost (3T) regions.

This study aims to determine whether there is a positive and significant influence of customer interest on financing mutation decisions using the mudharabah contract at BSI Sambas Branch. This research uses a quantitative method with a causal associative approach. The total population in this study was 172 people, and the sample size was determined using Roscoe’s theory, resulting in 20 respondents. The type of data used is primary data obtained from questionnaires. The data were analyzed using normality tests, heteroscedasticity tests, autocorrelation tests, simple linear regression analysis, and hypothesis testing using SPSS 23.

The results of the study indicate that there is a positive and significant influence of customer interest on financing mutation decisions with the mudharabah contract at BSI Sambas Branch, as evidenced by a t-value of 0.678 and a significance value of 0.000 < 0.05. Furthermore, the Adjusted R Square value was 0.48. Thus, it can be concluded that customer interest influences financing mutation decisions at Sambas State Polytechnic by 48%, while the remaining 52% is influenced by other variables not included in this study.