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Integrasi Prinsip Shariah Compliance dan Manajemen Risiko Keuangan Pada Lembaga Keuangan Syariah di Indonesia: Integration of Shariah Compliance Principles and Financial Risk Management in Islamic Financial Institutions in Indonesia
Get PDFThe background of this study is the importance of ensuring sharia compliance and effective risk management for the sustainability of LKS. The purpose of the research is: 1) Analyze the principles of Shariah Compliance. 2) Identify and classify the types of risks in LKS. 3) Evaluate the integration of Shariah Compliance principles in risk management practices in LKS. The method used is library research with a descriptive qualitative approach. The results showed that sharia compliance is The principle of Shariah Compliance is important for Sharia Financial Institutions (LKS) to ensure transactions comply with Islamic teachings, such as the prohibition of riba and maysir. The Shariah Supervisory Board (DPS) oversees compliance and recommends products. LKS faces risks such as financing and reputation, requiring ethical risk management. The integration of sharia principles in risk management is important for the halalness of transactions and the sustainability of the Islamic financial system, despite challenges such as limited instruments and lack of trained human resources.The background of this study is the importance of ensuring sharia compliance and effective risk management for the sustainability of LKS. The purpose of the research is: 1) Analyze the principles of Shariah Compliance. 2) Identify and classify the types of risks in LKS. 3) Evaluate the integration of Shariah Compliance principles in risk management practices in LKS. The method used is library research with a descriptive qualitative approach. The results showed that sharia compliance is The principle of Shariah Compliance is important for Sharia Financial Institutions (LKS) to ensure transactions comply with Islamic teachings, such as the prohibition of riba and maysir. The Shariah Supervisory Board (DPS) oversees compliance and recommends products. LKS faces risks such as financing and reputation, requiring ethical risk management. The integration of sharia principles in risk management is important for the halalness of transactions and the sustainability of the Islamic financial system, despite challenges such as limited instruments and lack of trained human resources
The Role of Traditional Markets in Advancing Maqasid Al-Sharia: A Case Study of Pasar Baru Sungai Dama Samarinda : Peran Pasar Tradisional dalam Memajukan Maqasid Al-Syariah: Studi Kasus Pasar Baru Sungai Dama Samarinda
Get PDFThis study investigates the role of traditional markets in advancing the objectives of Maqāṣid al-Sharīʿah by conducting a qualitative case study of Pasar Baru Sungai Dama in Samarinda, Indonesia. The research applies a thematic analysis grounded in the five dimensions of Maqāṣid al-Sharīʿah—preservation of religion (ḥifẓ al-dīn), life (ḥifẓ al-nafs), intellect (ḥifẓ al-ʿaql), progeny (ḥifẓ al-nasl), and wealth (ḥifẓ al-māl). Data were collected through interviews, field observations, and documentation reviews, and analyzed inductively to identify how market practices align with Shariah-based ethical and economic values. Findings reveal that Pasar Baru supports religious practices, provides safety and hygiene infrastructure, fosters ethical education, accommodates family needs, and enhances financial inclusion. These dimensions demonstrate the capacity of traditional markets to contribute meaningfully to Islamic socio-economic goals beyond mere commerce. The study concludes that with deliberate ethical governance, traditional markets can serve as inclusive Shariah-compliant institutions. Implications for Islamic economics, public policy, and local governance are discussed, with recommendations for broader application and future comparative research
Pengembangan KOMPAS (Komik IPA SMPP) Interaktif sebagai Media Pembelajaran untuk Meningkatkan Hasil Belajar Peserta Didik pada Materi Sistem Pernapasan Manusia
No full textThis research focuses on the development of KOMPAS (Komik IPA SMP) Interactive as a learning medium to improve students' learning outcomes on human respiratory system materials. In this study, the problem of how to develop KOMPAS (Komik IPA SMP) media, media validity, media practicality, and media effectiveness is discussed. This study aims to determine the development of KOMPAS (Junior High School Science Comics) media, the validity of KOMPAS (Junior High School Science Comics) Interactive, the practicality and effectiveness of KOMPAS (Junior High School Science Comics) Interactive media. This research uses the Research and Development (R&D) method with a 4D research model starting from the definition stage, the design stage, the development stage, and the dissemination stage. The mechanism of data collection is through observation, interviews, questionnaires, tests, and documentation. Data analysis applies data validity tests, data practicality tests, and data effectiveness tests. The results of the study show 1) the development of KOMPAS (Junior High School Science Comics) as a learning medium to improve students' learning outcomes on human respiratory system material through various stages starting from define, design, development, and disseminate; 2) The validation of KOMPAS (Junior High School Science Comics) Interactive is in the very valid category with a percentage of 94% 3) The practicality of KOMPAS (Junior High School Science Comics) is in the very practical category with a percentage of 86%; 4) the effectiveness of KOMPAS (Interactive Junior High School Science Comics) is in the very practical category with a percentage of 86.16%; 4) The effectiveness of KOMPAS (Junior High School Science Comics) Interactive is considered effective to be used as a source of Biology learning because the N-Gain score obtained is 0.72 which if categorized has increased with high effectiveness.
Penelitian ini berfokus pada pengembangan KOMPAS (Komik IPA SMP) Interaktif sebagai media pembelajaran untuk meningkatkan hasil belajar peserta didik pada materi sistem pernapasan manusia. Dalam penelitian ini membahas masalah bagaimana pengembangan media KOMPAS (Komik IPA SMP), kevalidan media , kepraktisan media, dan keefektifan media. Penelitian ini bertujuan untuk mengetahui pengembangan media KOMPAS (Komik IPA SMP), kevalidan KOMPAS (Komik IPA SMP) Interaktif, kepraktisan dan keefektifan media KOMPAS (Komik IPA SMP) Interaktif. Penelitian ini menggunakan metode Research and Developmen (R&D) dengan model penelitian 4D yang dimulai dari tahap pendefenisian (define), tahap perencanaan (design), tahap pengembangan (development), dan tahap penyebaran (disseminate). Mekanisme pengumpulan data melalui observasi, wawancara, angket, tes, dan dokumentasi. Analisis data menerapkan uji kevaliditasan data, uji kepraktisan data, dan uji keefektifan data. Hasil Penelitian menunjukkan 1) pengembangan KOMPAS (Komik IPA SMP) Interaktif sebagai media pembelajaran untuk meningkatkan hasil belajar peserta didik pada materi sistem pernapasan manusia melalui berbagai tahapan berawal dari define (pendeskripsian), design (pembuatan), development (pengembangan), dan disseminate (penyebaran); 2) Kevalidasian KOMPAS (Komik IPA SMP) Interaktif berada pada kategori sangat valid dengan persentase 94% 3) Kepraktisan KOMPAS (Komik IPA SMP) Interaktif berada pada kategori sangat praktis dengan persentase 86%; 4) keefektifan KOMPAS (Komik IPA SMP) Interaktif berada pada kategori sangat praktis dengan persentase 86,16%; 4) Keefektifan KOMPAS (Komik IPA SMP) Interaktif dinilai efektif untuk dijadikan sumber belajar Biologi karena nilai skor N-Gain yang diperoleh sebesar 0,72 yang jika dikategori mengalami peningkatan secara efektifitas tinggi.
 
EFEKTIVITAS DAN EFISIENSI PENGELOLAAN ALOKASI DANA DESA DI DESA AMESSANGANG KECAMATAN LANRISANG KABUPATEN PINRANG
Get PDFThe effectiveness and efficiency of village fund allocation management can be known through the achievement of goals or objectives that have been set previously. Effectiveness and efficiency can be measured if there are results or achievements from various activities or projects that have been carried out. This study aims to determine the level of Effectiveness and Efficiency of Village Fund Allocation Management in Amassangang Village, Lanrisang District, Pinrang Regency. This research uses quantitative research and for data collection using observation and documentation methods and supporting data in the form of Village Fund Allocation (ADD) reports for the last 3 years from 2021-2023. The results showed that the Effectiveness and Efficiency of Village Fund Allocation Management in Amassangang Village, Lanrisang District, Pinrang Regency was considered effective, but inefficient. The effectiveness of the management of village fund allocations is considered effective and is evidenced by the average percentage value of effectiveness of 99.84%. Meanwhile, the efficiency of village fund allocation management is considered inefficient through the average percentage value of efficiency of 100.87%.Efektivitas dan efisiensi pengelolaan alokasi dana desa dapat diketahui melalui pencapaian sasaran atau tujuan yang telah ditetapkan sebelumnya. Efektivitas dan efisiensi dapat diukur jika sudah terdapat hasil atau pencapaian dari berbagai kegiatan atau proyek yang telah dilakukan. Penelitian ini bertujuan untuk mengetahui, tingkat Efektivitas dan Efisiensi Pengelolaan Alokasi Dana Desa Di Desa Amassangang Kecamatan Lanrisang Kabupaten Pinrang. Penelitian ini menggunakan penelitian kuantitatif dan untuk pengumpulan datanya dengan metode observasi dan dokumentası serta data pendukung berupa laporan Alokasi Dana Desa (ADD) selama 3 tahun terakhir dari tahun 2021-2023. Hasil penelitian menunjukkkan Efektivitas dan Efisiensi Pengelolaan Alokasi Dana Desa di Desa Amassangang Kecamatan Lanrisang Kabupaten Pinrang dinilai efektif, namun tidak efisien. Efektivitas pengelolaan alokasi dana desa dinilai efektif dan dibuktikan dengan rata-rata nilai persentase efektivitas sebesar 99,84%. Sedangkan untuk efisiensi pengelolaan alokasi dana desa dinilai tidak efisien melalui nilai rata-rata persentase efisiensi sebesar 100,87%
Analisa Aspek Kognitif dan Sosial Terhadap Buku Teks Bahasa Arab Kelas VII Madrasah Tsanawiyah (MTs) Terbitan Kemenag Tahun 2020
Get PDFSalah satu indikator penting dari penyusunan buku teks adalah memperhatikan aspek psikologi dan sosial dari siswa. Dengan tujuan agar buku teks yang disusun dapat memenuhi kebutuhan siswa yang membacanya. Penelitian ini merupakan penelitian kualitatif-deskriptif, yang mengarah kepada deskriptif analisis dalam rangka mengkaji dan menganalisis secara mendalam terkait pengklasifikasian Taksonomi Kognitif pada buku teks bahasa Arab siswa berdasarkan pada teori taksonomi kognitif Bloom versi Anderson dan Karthwohl. Teknik analisis data yang digunakan dalam penelitian ini menggunakan analisis isi (content analysis untuk menarik kesimpulan berdasarkan fakta dengan mempertimbangkan konteksnya. Pada aspek kognitif, penulis menemukan BAB I memiliki presentasi tingkat berpikir LOTS yang lebih banyak dari pada tingkat berpikir HOTS, yaitu LOTS sebesar 55,56 % dan HOTS sebesar 44,44 %. Adapun BAB II Penulis menemukan bahwa BAB II memiliki presentasi tingkat berpikir LOTS yang seimbang dengan tingkat berpikir HOTS, yaitu LOTS sebesar 50% dan HOTS sebesar 50%. Sedangkan pada aspek sosial, BAB I itu memiliki perhatian terhadap kebudayaan siswa yaitu dengan memperhatikan kebudayaan siswa yang berupa banyaknya gambar berwarna, memperhatikan kondisi lingkungan siswa dengan memperbanyak kosakata yang sesuai dengan lingkungan negara Indonesia Akan tetapi pada BAB I ini dari aspek sosial kurang memperhatikan kebudayaan dari tempat buku ini disebarkan yaitu di sekolah-sekolah keislaman yang sangat kental dengan nilai-nilai keislaman seperti memakai jilbab, karena pada BAB ini ditemukan gambar wanita yang tidak memakai jilbab. Kemudian pada BAB II dari aspek sosial, kurang memperhatikan kebudayaan siswa yang lebih menyukai gambar dibandingkan tulisan, di BAB II ini tidak ditemukan gambar-gambar terkait mufrodat yang diajarkan
Cultural Values of Rapo-Rappang Pre-Marriage Bugis Community in Watang Sawitto District, Pinrang Regency, Perspective of Islamic Law
Get PDFRapo-rapoang merupakan dasar kata dari rapuh, rapuh itu sendiri dapat diartikan sebagai masa dimana calon pengantin mudah terkena musibah yang dapat mencederai fisik ataupun dapat merenggut nyawa calon pengantin maka dari itu calon pengantin tidak dianjurkan keluar rumah untuk hal yang sia-sia karena tujuan dari rapo-rapoang itu sendiri merupakan larangan agar pengantin terhindar dari bala’. Penelitian ini bertujuan mengetahui budaya adat Rapo-rapoang dan menghindarkan calon mempelai dari bahaya dan memberikan edukasi kepada calon mempelai. Jenis penelitian ini adalah kualitatif deskriptif. Adapun teknik pengumpulan data yang digunakan adalah Teknik Library Reserarch dan Teknik Field Research (Observasi, Wawancara, Dokumentasi). Penelitian ini menggunakan sumber data primer dan data sekunder. Hasil penelitian menujukkan bahwa Pemahaman masyarakat bugis khususnya di kecamatan Watang Sawitto kabupatan Pinrang meyakini bahwa rapo-rapoang merupakan sebuah adat yang dilaksanakan masyarakat setelah terjadinya mapettuada (putus perkataan) dalam adat bugis rapo-rapoang yaitu sebuah larangan yang ditujukan kepada calon mempelai laki-laki dan wanita untuk tidak beraktivitas diluar rumah adapun nilai-nilai rapo-rapoang adalah untuk menghindari bala’, mempersiapkan diri, dan merawat diri
Revitalization of Islamic Psychotherapy: The Incorporation of Spiritual Values in Rehabilitation Center
Get PDFThis article explores the role of Islamic psychotherapy in the rehabilitation of students (santri) at the Salafiyah Syafi’iyah Nashrun Minallah Islamic Boarding School, focusing on the incorporation of spiritual values. This research uses a qualitative method with a case study design to analyze the impact of incorporating spiritual values in therapy. The research findings show that the integration of spiritual values in Islamic psychotherapy significantly enhances the emotional and spiritual conditions of the students. Key findings include increased inner peace, positive behavioral changes, improved self-motivation, and better social relationships and quality interactions. Additionally, the students demonstrated increased resilience, better abilities to face life challenges, and a deeper understanding of the meaning of life. This research also emphasizes that this approach not only serves as a method of individual healing but also strengthens the overall community of the boarding school. These conclusions affirm the importance of integrating spiritual values in rehabilitation programs to achieve better psychological and social well-being.Artikel ini mengeksplorasi peran Psikoterapi Islam dalam rehabilitasi santri di Pondok Pesantren Salafiyah Syafi’iyah Nashrun Minallah dengan fokus pada penanaman nilai spiritual. Penelitian ini menggunakan metode kualitatif dengan desain studi kasus untuk menganalisis dampak penerapan nilai-nilai spiritual dalam terapi. Hasil penelitian menunjukkan bahwa integrasi nilai spiritual dalam Psikoterapi Islam secara signifikan meningkatkan kondisi emosional dan spiritual santri. Temuan utama mencakup peningkatan ketenangan batin, perubahan perilaku positif, motivasi diri yang lebih baik, serta perbaikan dalam hubungan sosial dan kualitas interaksi. Selain itu, santri menunjukkan peningkatan ketahanan diri, kemampuan menghadapi tantangan hidup dengan lebih baik, dan pemahaman yang lebih dalam tentang makna hidup. Penelitian ini juga menggarisbawahi bahwa pendekatan ini tidak hanya berfungsi sebagai metode penyembuhan individu tetapi juga memperkuat komunitas pesantren secara keseluruhan. Kesimpulan ini menegaskan pentingnya integrasi nilai spiritual dalam program rehabilitasi untuk mencapai kesejahteraan psikologis dan sosial yang lebih baik
Islamic Banking Innovation and Customer Satisfaction: A Case Study of Indonesia and Nigeria
No full textPurpose - The study examined the impact of digital accessibility, transparency, security, and product innovation on consumer trust and engagement.
Method - This study utilized a qualitative research methodology, incorporating in-depth interviews and thematic analysis to extract insights from Islamic banking clients and industry specialists. The data gathering emphasized consumer experiences, opinions of service quality, and expectations for digital financial services.
Findings - The results demonstrated that users of Islamic banking prioritize service quality, security protocols, and digital accessibility. Customers demonstrate a pronounced inclination towards mobile banking services that incorporate sophisticated yet intuitive features, as well as more transparency in financial transactions and investment methodologies. Moreover, proficient risk management and the use of fintech technologies enhanced client trust and happiness.
Practical Implications - The study advances consumer behavior theories in Islamic banking by linking technology adoption, institutional trust, and Shariah compliance. It calls for Islamic banks to invest in advanced digital security, enhance financial transparency, and innovate Shariah-compliant products in line with SDG 8 (Decent Work and Economic Growth) and SDG 9 (Industry, Innovation, and Infrastructure)
Originality/value - an innovative, comprehensive analysis of the convergence of Islamic banking services, technological progress, and consumer expectations by incorporating numerous variables, including security, transparency, and innovation, into a coherent frameworkPurpose - The study examined the impact of digital accessibility, transparency, security, and product innovation on consumer trust and engagement.
Method - This study utilized a qualitative research methodology, incorporating in-depth interviews and thematic analysis to extract insights from Islamic banking clients and industry specialists. The data gathering emphasized consumer experiences, opinions of service quality, and expectations for digital financial services.
Findings - The results demonstrated that users of Islamic banking prioritize service quality, security protocols, and digital accessibility. Customers demonstrate a pronounced inclination towards mobile banking services that incorporate sophisticated yet intuitive features, as well as more transparency in financial transactions and investment methodologies. Moreover, proficient risk management and the use of fintech technologies enhanced client trust and happiness.
Practical Implications - The study advances consumer behavior theories in Islamic banking by linking technology adoption, institutional trust, and Shariah compliance. It calls for Islamic banks to invest in advanced digital security, enhance financial transparency, and innovate Shariah-compliant products in line with SDG 8 (Decent Work and Economic Growth) and SDG 9 (Industry, Innovation, and Infrastructure)
Originality/value - an innovative, comprehensive analysis of the convergence of Islamic banking services, technological progress, and consumer expectations by incorporating numerous variables, including security, transparency, and innovation, into a coherent framewor
Fintech Lending Adoption among Muslim Millennials : Toward Inclusive and Ethical Sharia Banking in Southeast Asia
No full textPurpose – This study aims to analyze the economic, social, and cultural factors influencing fintech lending adoption among Muslim millennials in these three nations while critically assessing the regulatory and ethical challenges of integrating Islamic financial principles into digital lending ecosystems
Method – This research employs a comparative qualitative approach, integrating survey data, semi-structured interviews, and policy analysis to examine the regulatory landscapes and consumer behavior in Indonesia, Malaysia, and Thailand.
Findings – The findings indicate that Malaysia leads in Islamic fintech adoption, supported by a well-regulated and structured Sharia-compliant financial system. Indonesia demonstrates high fintech penetration but suffers from low consumer awareness regarding Islamic digital finance alternatives. Thailand, in contrast, lacks a formal Islamic fintech framework, which has led to low adoption rates despite the presence of Muslim-majority provinces.
Practical implications – The study offers important theoretical implications by bridging Islamic finance principles with digital financial innovation and contributing to the literature on fintech adoption in Muslim-majority and minority regions. The practical implications suggest that ASEAN policymakers should harmonize Islamic fintech regulations to enable cross-border collaborations, expand Sharia-compliant fintech to underserved Muslim populations, and develop financial literacy initiatives to enhance consumer trust in digital Islamic finance.
Originality/value – This study provides Southeast Asia comparative ASEAN Muslim-majority vs minority fintech on Islamic fintech adoption, an underexplored area in existing researchPurpose – This study aims to analyze the economic, social, and cultural factors influencing fintech lending adoption among Muslim millennials in these three nations while critically assessing the regulatory and ethical challenges of integrating Islamic financial principles into digital lending ecosystems
Method – This research employs a comparative qualitative approach, integrating survey data, semi-structured interviews, and policy analysis to examine the regulatory landscapes and consumer behavior in Indonesia, Malaysia, and Thailand.
Findings – The findings indicate that Malaysia leads in Islamic fintech adoption, supported by a well-regulated and structured Sharia-compliant financial system. Indonesia demonstrates high fintech penetration but suffers from low consumer awareness regarding Islamic digital finance alternatives. Thailand, in contrast, lacks a formal Islamic fintech framework, which has led to low adoption rates despite the presence of Muslim-majority provinces.
Practical implications – The study offers important theoretical implications by bridging Islamic finance principles with digital financial innovation and contributing to the literature on fintech adoption in Muslim-majority and minority regions. The practical implications suggest that ASEAN policymakers should harmonize Islamic fintech regulations to enable cross-border collaborations, expand Sharia-compliant fintech to underserved Muslim populations, and develop financial literacy initiatives to enhance consumer trust in digital Islamic finance.
Originality/value – This study provides Southeast Asia comparative ASEAN Muslim-majority vs minority fintech on Islamic fintech adoption, an underexplored area in existing researc
Unregistered Divorce Practices in Rural Indonesian Muslim Communities: Legal and Cultural Dimensions
Get PDFBackground: Unregistered divorce is carried out without going through the official procedure at the Religious Court, making it unrecognized under state law despite being valid according to Islamic law. This situation creates various legal issues, particularly regarding the legitimacy of registering children with the Civil Registry and Population Administration Office after such a divorce.
Purpose: This study aims to analyze the interplay between legal norms and cultural practices in unregistered divorce highlighting how these practices affect the legal identity of children and exploring their implications within both Islamic legal thought and anthropological perspectives.
Methods: This study employs an empirical juridical approach using field research methods. Primary data were obtained through interviews with community leaders, religious figures, and residents who engaged in unregistered divorces. Meanwhile, secondary data were collected from legal literature, statutory regulations, and other scholarly references. The analysis was conducted qualitatively through the stages of data reduction, data presentation, and conclusion drawing.
Findings: The study reveals that unregistered divorce is often legitimized by cultural consensus and religious approval at the local level, despite its non-compliance with formal legal procedures. Such practices contribute to the exclusion of children from official civil registration, limiting their access to legal rights. The findings indicate that religious authority and local customs operate as parallel legal systems, occasionally challenging the state’s regulatory framework.
Theoretical and Practical Implications: The research enriches anthropological approaches to Islamic jurisprudence by illustrating how fiqh adapts and transforms in localized contexts. Practically, it suggests the need for culturally sensitive legal reforms and community-based legal literacy programs to bridge the gap between state law and community practices.
Originality/Novelty: This study is among the first to integrate an anthropological reading of fiqh with empirical legal research on unregistered divorce in Indonesia, offering a nuanced understanding of how local Muslim communities reconcile religious norms with socio-legal realities.