Sao Jurnal IAIN Parepare
Not a member yet
2676 research outputs found
Sort by
TRANSFORMASI LOYALITAS NASABAH MELALUI INTERNAL NILAI NILAI ISLAM DI ERA TREN PERBANGKAN SYARIAH
Full text link(In the era of shifting banking trends and increasing demand for ethical finance, customer loyalty has emerged as a crucial factor for the sustainability of Islamic banking institutions. Islamic banks not only operate within the boundaries of Sharia but also aim to embed Islamic values such as trust (amanah), honesty (shiddiq), and mutual benefit (maslahah) in their services. This internalization of Islamic values becomes a strategic tool to strengthen emotional and spiritual bonds with customers, fostering long-term loyalty. However, challenges persist, including limited customer understanding of Islamic principles, inconsistent service quality, and lack of engagement initiatives. This paper aims to explore how the internalization of Islamic values can transform customer loyalty in the context of modern Islamic banking trends. Through a literature review approach, the study identifies key factors and strategic models for implementing value-based loyalty systems in Islamic financial institutions. The findings suggest that aligning customer experience with Islamic ethical values significantly contributes to trust-building and sustainable loyalty in the Sharia banking sector.)Dalam era tren perbankan modern yang semakin menuntut layanan keuangan yang etis dan berkelanjutan, loyalitas nasabah menjadi faktor krusial bagi keberlangsungan institusi perbankan syariah. Perbankan syariah tidak hanya beroperasi sesuai prinsip-prinsip syariah, tetapi juga menginternalisasi nilai-nilai Islam seperti amanah, shiddiq, dan maslahah dalam setiap aspek pelayanannya. Internal nilai-nilai Islam ini menjadi strategi penting dalam membangun hubungan emosional dan spiritual dengan nasabah, yang pada akhirnya memperkuat loyalitas jangka panjang. Meski demikian, masih terdapat berbagai tantangan, seperti pemahaman nasabah yang terbatas terhadap prinsip-prinsip syariah, kualitas layanan yang belum konsisten, serta minimnya inisiatif keterlibatan nasabah. Artikel ini bertujuan untuk mengeksplorasi bagaimana internalisasi nilai-nilai Islam dapat mentransformasi loyalitas nasabah dalam konteks perkembangan tren perbankan syariah. Melalui pendekatan studi literatur, artikel ini mengidentifikasi faktor-faktor kunci dan model strategis penerapan sistem loyalitas berbasis nilai dalam institusi keuangan syariah. Hasil temuan menunjukkan bahwa penyelarasan pengalaman nasabah dengan nilai-nilai etika Islam berkontribusi signifikan dalam membangun kepercayaan dan loyalitas yang berkelanjutan di sektor perbankan syariah
STUDI LITERATUR SISTEMATIS ATAS REKONSTRUKSI MANAJEMEN RISIKO PEMBIAYAAN SYARIAH DALAM MENGHADAPI DISRUPSI FINANSIAL DIGITAL
Full text linkThe development of digital technology has accelerated changes in the financial sector, including in Islamic financing. Digital disruption in finance brings opportunities for innovation as well as new challenges to risk management that is the basis of the Islamic financial system. The purpose of this study is to overhaul the concept of risk management in Islamic financing by considering the dynamics and complexity of the digital ecosystem. Using a qualitative approach through the systematic literature review (SLR) method, this study examines 30 selected scientific articles from 2020 to 2024. The findings of the study indicate that new types of risks such as cyber risk, technology risk, and digital compliance risk have not been fully accepted in the context of current Islamic risk management. Therefore, there is a need for an overhaul of the risk management framework that can adapt to digital disruption and is based on the maqashid of Islamic law. This study recommends combining the principles of Islamic prudence with digital technology, strengthening responsive regulations, and cooperation between Islamic financial institutions and technology providers. The results of this study are expected to provide a conceptual contribution to building a reliable, competitive, and Islamic financing system in the digital era.Perkembangan teknologi digital telah mempercepat perubahan dalam sektor keuangan, termasuk dalam pembiayaan syariah. Gangguan digital di bidang keuangan membawa kesempatan untuk berinovasi serta tantangan baru terhadap pengelolaan risiko yang menjadi dasar dari sistem keuangan syariah. Tujuan dari penelitian ini adalah untuk merombak konsep manajemen risiko dalam pembiayaan syariah dengan memperhatikan dinamika dan kompleksitas ekosistem digital. Dengan menggunakan pendekatan kualitatif melalui metode tinjauan literatur sistematis (SLR), studi ini mengkaji 30 artikel ilmiah yang dipilih dari tahun 2020 hingga 2024. Temuan dari penelitian menunjukkan bahwa jenis-jenis risiko baru seperti risiko siber, risiko teknologi, dan risiko kepatuhan digital belum sepenuhnya diterima dalam konteks manajemen risiko syariah saat ini. Oleh karena itu, perlu adanya perombakan kerangka manajemen risiko yang dapat beradaptasi dengan gangguan digital dan berlandaskan maqashid syariah. Penelitian ini merekomendasikan penggabungan prinsip kehati-hatian syariah dengan teknologi digital, penguatan regulasi yang responsif, serta kerjasama antara lembaga keuangan syariah dan penyedia teknologi. Hasil penelitian ini diharapkan memberikan kontribusi konseptual untuk membangun sistem pembiayaan syariah yang handal, kompetitif, dan sesuai dengan nilai-nilai Islam di era digital
Dinamika Regulasi terhadap Sejarah dan Perkembangan Perbankan Syariah dalam Arus Dual Banking System
No full textThis study aims to evaluate the role of regulation in shaping the history and development of Islamic banking within the dual banking system in Indonesia. The focus is on mapping regulatory policies, institutional responses, and the dynamics that influence the positioning and growth of Islamic banking institutions over time. The method employed is a Systematic Literature Review (SLR), involving the identification and analysis of 30 scholarly articles from various accredited national journals. The selected literature was examined based on themes of regulation, institutional history, and its impact within the context of a dual banking system, using narrative synthesis and thematic analysis. The findings indicate that regulations such as Law No. 21 of 2008 have provided a significant legal foundation for Islamic banking. However, challenges remain, particularly in harmonizing conventional and Islamic policies, improving the competence of human resources, and preparing for financial digitalization. The review also notes that most studies tend to emphasize operational aspects rather than exploring regulatory dimensions from a historical and systemic perspective. The implications suggest the need for more inclusive and adaptive regulatory frameworks that align with the specific characteristics of Islamic banking. Furthermore, collaboration between regulators, academics, and industry stakeholders is essential to strengthen the position of Islamic banks within a sustainable and equitable national financial system
TRANSFORMATION OF INFORMATION SYSTEMS TOWARDS RISK MANAGEMENT IN SYARIAH BANKS IN THE DIGITAL ERA: TRANSFORMASI SISTEM INFORMASI TERHADAP PENGELOLAAN RISIKO PADA BANK SYARIAH DI ERA DIGITAL
Full text linkABSTRAK
Artikel ini bertujuan untuk mengkaji secara sistematis hubungan antara transformasi sistem informasi dan pengelolaan risiko pada bank syariah di era digital, dengan fokus pada mekanisme bagi hasil yang berlandaskan prinsip keadilan dan transparansi. Penelitian ini menggunakan metode Systematic Literature Review (SLR) dengan mengikuti pedoman PRISMA untuk memastikan transparansi dan akurasi dalam proses seleksi literatur. Teknik pengumpulan data dilakukan melalui pencarian artikel ilmiah dari berbagai database bereputasi seperti SINTA, DOAJ, dan Scopus, menggunakan kata kunci yang relevan dengan topik penelitian.Sebanyak 30 artikel yang memenuhi kriteria inklusi dan eksklusi dianalisis secara tematik untuk mengidentifikasi pola-pola temuan terkait pengaruh transformasi digital terhadap efektivitas manajemen risiko di bank syariah. Hasil penelitian menunjukkan bahwa transformasi sistem informasi berperan penting dalam meningkatkan kemampuan bank syariah dalam mengidentifikasi, mengukur, dan mengendalikan risiko, khususnya pada produk-produk berbasis akad seperti mudharabah dan musyarakah. Sistem informasi digital juga terbukti berkontribusi dalam menjaga prinsip-prinsip syariah, meningkatkan efisiensi operasional, dan mendorong transparansi dalam pelaporan serta pengambilan keputusan.Meskipun demikian, tantangan seperti ketimpangan informasi, keterbatasan infrastruktur, dan kompleksitas algoritma digital masih menjadi hambatan dalam implementasinya secara menyeluruh. Kajian ini memberikan kontribusi teoretis terhadap pengembangan literatur ekonomi Islam dengan menawarkan kerangka integratif antara digitalisasi, manajemen risiko, dan kepatuhan syariah. Secara praktis, temuan ini berguna bagi regulator, pengembang sistem informasi, dan pelaku industri perbankan syariah dalam merancang solusi digital yang tetap berlandaskan nilai-nilai Islam.ABSTRACT
This article aims to systematically examine the relationship between information system transformation and risk management in Islamic banking in the digital era, with a particular focus on profit-sharing mechanisms grounded in the principles of fairness and transparency. The study employs a Systematic Literature Review (SLR) method following the PRISMA guidelines to ensure transparency and rigor in the literature selection process. Data were collected through searches of reputable databases such as SINTA, DOAJ, and Scopus, using relevant keywords aligned with the research objectives.A total of 30 articles meeting inclusion and exclusion criteria were analyzed thematically to identify patterns related to the impact of digital transformation on risk management effectiveness within Islamic banks. The findings reveal that information system transformation significantly enhances the bank’s ability to identify, measure, and control risks, particularly in contracts such as mudharabah and musyarakah. Digital systems also contribute to ensuring Sharia compliance, improving operational efficiency, and fostering transparency in reporting and decision-making processes.However, the implementation still faces several challenges, including information asymmetry, infrastructure limitations, and algorithmic complexity. The study offers a theoretical contribution by integrating digital transformation, risk management, and Sharia compliance into a unified framework within the Islamic economics literature. Practically, the findings provide valuable insights for regulators, Islamic system developers, and banking practitioners in designing responsive and Sharia-compliant digital infrastructures that align with Islamic ethical and legal principles
profit-sharing scheme, mudharabah, musyarakah, digitalization, effectiveness, Islamic banking.: Dynamics of Mudharabah and Musyarakah Implementation in the Islamic Banking Industry in the Era of Digital Disruption
Full text linkThe development of Islamic banking in the digital era presents both opportunities and challenges. Mudharabah and musyarakah contracts, which are based on profit and loss sharing, are ideal representations of Islamic economic principles such as justice, partnership, and transparency. However, their implementation has declined due to issues of trust, information asymmetry, and limited digital support. This study uses a Systematic Literature Review (SLR) approach to analyze 30 scientific articles published between 2013 and 2024 that discuss the effectiveness of profit-sharing schemes in Islamic banking amid digital transformation. The results show that while digitalization offers potential to improve transparency and efficiency through innovations like digital financial reporting and Sharia-compliant smart contracts, implementation remains limited due to infrastructure gaps, regulatory constraints, and low financial-digital literacy. Therefore, a collaborative effort is required among financial institutions, regulators, and users to integrate Sharia values into digital systems, enhance trust, and optimize the role of profit-sharing schemes in supporting inclusive Islamic finance.Perkembangan perbankan syariah di era digital menghadirkan peluang sekaligus tantangan. Akad mudharabah dan musyarakah yang berbasis bagi hasil merupakan representasi ideal dari prinsip ekonomi Islam seperti keadilan, kemitraan, dan transparansi. Namun, implementasi kedua akad ini mengalami penurunan akibat persoalan kepercayaan, asimetri informasi, dan belum optimalnya dukungan teknologi digital. Penelitian ini menggunakan pendekatan Systematic Literature Review (SLR) terhadap 30 artikel ilmiah yang diterbitkan antara tahun 2013 hingga 2024, guna menganalisis efektivitas skema bagi hasil dalam perbankan syariah di tengah transformasi digital. Hasil kajian menunjukkan bahwa meskipun digitalisasi memiliki potensi besar untuk meningkatkan transparansi dan efisiensi melalui inovasi seperti pelaporan keuangan digital dan smart contract berbasis syariah, implementasinya masih terbatas karena kendala infrastruktur, regulasi, dan rendahnya literasi keuangan serta digital. Oleh karena itu, diperlukan sinergi antara lembaga keuangan, regulator, dan masyarakat untuk mengintegrasikan nilai-nilai syariah dalam sistem digital guna memperkuat kepercayaan dan mengoptimalkan peran skema bagi hasil dalam mewujudkan keuangan syariah yang inklusif
Pendekatan Perencanaan Pendidikan Melalui Studi Al-Qur'an dan Hadis
Full text linkPerencanaan pendidikan dapat berarti sebuah proses pembuatan peta perjalanan ke masa depan pendidikan.proses perencanaan pendidikan akan terus berjalan, berkembang dan memperbarui sepanjang proses itu. Penelitian ini menggunakan metode content analysis. Metode Content Analysis yang merupakan sebuah metode penelitian yang objek penelitiannya bukan manusia. Metode Content Analysis ini menggunakan teks maupun simbol yang berada dalam media. Analisis teks di dalam pesan teks didasarkan indera manusia. Tujuan dari penelitian ini adalah mengkaji mengenai konsep perencanaan pendidikan studi al-qur’an dan hadis, prinsip- prinsip perencanaan pendidikan studi al-qur’an dan hadis, dan langkah-langkah perencanaan pendidikan studi al-qur’an dan hadis. Sehingga kegiatan perencanaan berjalan dengan optimal. Perencanaan pendidikan yang ada dalam al-quran dan hadis merupakan perencanaan yang fleksibe
Chinese Cultural Acculturation as an Ethnosocial Learning Resource in Elementary Education
Full text linkBackground: The interaction between Chinese culture and local culture produces a unique cultural synergy, which broadens students' understanding of diversity. Learning rooted in local culture also strengthens the values of tolerance and the formation of multicultural identities among elementary school students.Purpose: This study aims to examine the acculturation of Chinese culture as an alternative to Natural and Social Sciences learning at SD Kalianyar I, Bangil.Method: Using a qualitative approach with ethnographic methods, this study presents the real form of acculturation results in physical forms such as architecture, household furniture, and culinary, as well as non-physical elements such as language, customs, and art performances. The sample consisted of 36 fifth-grade students enrolled in science and social studies. Data processing used NVivo 15.Result: The research findings show that students can identify, understand, and appreciate cultural heritage in their environment through contextual and exploratory learning activities.Theoretical implication: In the context of Natural and Social Sciences learning, Chinese cultural acculturation can be raised as learning material in both tangible and intangible forms.Practical implication: The existence of Chinese culture around the school plays an important role as a learning medium that supports the instillation of diversity values and the enrichment of Natural and Social Sciences material
Ustadzah Oki Setiana Dewi's Personal Branding Strategy on YouTube Social Media: Impact on Increasing the Popularity and Credibility of Digital Da'wah
Full text linkThis study aims to analyze the personal branding strategy of Ustadzah Oki Setiana Dewi on YouTube and its impact on the increase in popularity and credibility of digital da'wah. The research method used in this study is a case study with a qualitative approach, analyzing the content uploaded by Ustadzah Oki Setiana Dewi and her interactions with the audience. The results show that Ustadzah Oki Setiana Dewi’s personal branding is consciously and consistently built through various types of da'wah content relevant to everyday life, including religious lectures, routine studies, and personal vlogs. Additionally, her closeness to the audience, especially through comments, live streaming, and Q&A sessions, gives the impression that she is an approachable and empathetic figure. The impact of the personal branding built is an increase in the popularity and credibility of digital da’wah, reflected in a surge in followers and audience trust in the da’wah content shared. This study implies that consistency in building an authentic self-image and close interaction with the audience can expand the reach of digital da’wah and strengthen the credibility of da’i.Penelitian ini bertujuan untuk menganalisis strategi personal branding Ustadzah Oki Setiana Dewi di media sosial YouTube dan dampaknya terhadap peningkatan popularitas serta kredibilitas digital dakwah. Metode yang digunakan dalam penelitian ini adalah studi kasus dengan pendekatan kualitatif, menganalisis konten-konten yang diunggah oleh Ustadzah Oki Setiana Dewi serta interaksinya dengan audiens. Hasil penelitian menunjukkan bahwa personal branding Ustadzah Oki Setiana Dewi dibangun secara sadar dan konsisten melalui beragam konten dakwah yang relevan dengan kehidupan sehari-hari, termasuk ceramah agama, kajian rutin, dan vlog pribadi. Selain itu, kedekatannya dengan audiens, terutama melalui kolom komentar, live streaming, dan tanya jawab, memberikan kesan bahwa beliau adalah sosok yang mudah dijangkau dan penuh empati. Dampak dari personal branding yang dibangun adalah peningkatan popularitas dan kredibilitas dakwah digital, yang tercermin dalam lonjakan jumlah pengikut dan tingkat kepercayaan audiens terhadap konten dakwah yang disampaikan. Penelitian ini memberikan implikasi bahwa konsistensi dalam membangun citra diri yang autentik serta interaksi yang erat dengan audiens dapat memperluas jangkauan dakwah digital dan memperkuat kredibilitas pendakwah
Pengaruh Pengetahuan Kewirausahaan dan Kepribadian Wirausaha Terhadap Keberhasilan Usaha Gula Aren di Desa Luyo: The Influence of Entrepreneurial Knowledge and Entrepreneurial Personality on the Business Success of Palm Sugar Enterprises in Luyo Village
Full text linkThis study aims to analyze the influence of entrepreneurial knowledge and entrepreneurial personality on the business success of palm sugar enterprises in Luyo Village, Polewali Mandar Regency. The research employed a quantitative method with a survey approach. A total of 30 palm sugar entrepreneurs were selected as respondents using a simple random sampling technique. Research instruments were tested for validity and reliability, showing that all items were valid and reliable. Data analysis was conducted using multiple linear regression. The results reveal that entrepreneurial knowledge does not have a significant effect on the business success of palm sugar enterprises, as indicated by a significance value of 0.414 and a t-value of 0.830, which is lower than the critical t-table value of 2.051. Conversely, entrepreneurial personality has a significant and positive influence on business success, with a significance value of 0.014 and a t-value of 2.618, exceeding the t-table threshold. These findings suggest that formal entrepreneurial knowledge may not play a major role in determining the success of traditional businesses such as palm sugar production. Instead, personal traits like persistence, risk-taking, and creativity are more influential in driving entrepreneurial success. The study contributes to a contextual understanding of how internal characteristics affect small business outcomes in traditional, resource-based settings
Critical Thinking and Literacy Skills in Student Scientific Writing: Evidence from Universitas Terbuka
No full textTeaching scientific writing has been compulsory in many Indonesian universities. It is usually the main indicator for completing an undergraduate program. Despite this fact, not only do universities apply similar policies, but training in that particular skill is also an increasingly common trend. The Open University of Indonesia, widely known as Universitas Terbuka, is the biggest and the only university that administers distance learning in the state, to implement this policy. An example is the existence of a scientific writing course, a compulsory course in the English Education Department of the Faculty of Teacher Training and Education, where the course is taught to all students as a requirement to graduate from the university. This research was established by selecting seven participants who were enrolled in the course. The objective is to assess the appearance of critical thinking and literacy among students who have been trained in the subject. Seven academic papers representing these seven students were analyzed to identify traces of both necessary skills for conducting research: critical thinking and literacy. The qualitative method was chosen to determine whether students write using critical thinking and literacy. After analyzing the data, the researcher concluded positive findings on the use of both skills, although not all students performed well. However, one particular student showed a unique pattern in applying these skills. In terms of critical thinking, the researcher identified three sequences, while pairing techniques were employed in critical literacy to accommodate this skill's presence