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MENIMBANG ULANG KONSEP PERAN LEMBAGA KEUANGAN MIKRO SYARIAH DALAM MENDORONG INKLUSI KEUANGAN DIGITAL
Get PDFDigital transformation in the financial sector has become an urgent necessity to achieve financial inclusion, particularly for underserved communities. Islamic Microfinance Institutions (LKMS), such as Baitul Maal wat Tamwil (BMT) and Islamic cooperatives, play a strategic role in empowering grassroots economies, especially in rural areas. However, the digitalization of LKMS faces various challenges, including limited digital infrastructure, low digital literacy among managers and clients, and regulatory constraints. This study aims to analyze the role of LKMS in promoting digital financial inclusion, identify the barriers they face, formulate practical strategies, and explore potential collaborations with Islamic fintech. By applying a contextual analysis approach and integrating Islamic financial principles, this research is expected to contribute both theoretically and practically to the development of effective and sustainable LKMS digitalizationTransformasi digital di sektor keuangan menjadi kebutuhan mendesak dalam mewujudkan inklusi keuangan, khususnya bagi masyarakat yang belum tersentuh layanan formal. Lembaga Keuangan Mikro Syariah (LKMS), seperti Baitul Maal wat Tamwil (BMT) dan koperasi syariah, memiliki peran strategis dalam memberdayakan ekonomi umat, terutama di daerah pedesaan. Namun, proses digitalisasi LKMS menghadapi berbagai tantangan, seperti keterbatasan infrastruktur, rendahnya literasi digital, dan regulasi yang belum mendukung optimalisasi teknologi. Penelitian ini bertujuan untuk menganalisis peran LKMS dalam mendorong inklusi keuangan digital, mengidentifikasi hambatan yang dihadapi, serta menyusun strategi praktis dan mengeksplorasi kolaborasi dengan fintech syariah. Dengan menggunakan pendekatan analisis kontekstual dan integrasi prinsip-prinsip keuangan syariah, penelitian ini diharapkan dapat memberikan kontribusi teoritis dan praktis dalam pengembangan digitalisasi LKMS yang efektif dan berkelanjutan
The Mosque Welfare Agency’s Strategy in Developing the Leadership of Muslim Youth in Sorong City
Get PDFBackground: The Nurul Bahri’s Mosque Welfare Agency (BKM) develops local wisdom leadership in fostering the skills and harmony of the Muslim young generation. Research Objective: This study aims to explore the strategies in fostering Islamic leadership among youth at the Nurul Bahri Mosque in Sorong City, Southwest Papua Province, Indonesia, and its contribution to maintaining a harmonious life. Methods: This qualitative study used interviews, observation, and documentation with six BKM administrators, three mosque youth mentors, and ten purposively selected active youths engaged in leadership, arts, culture, organizational activities, and community development within mosque-based programs. This study collected data over a period of about ten months, from June 2024 to April 2025. Results: The results show that the youth development has advanced from informal activities to structured programs that enhance confidence, leadership, communication, and cultural skills. Islamic arts serve as both a means of religious outreach and a medium for creativity, social legitimacy, and interfaith tolerance. These outcomes differ from Lombok’s predominantly Muslim yet ethnically rooted Sasak culture, Belgium’s highly diverse and secular European population, and Malaysia’s multicultural Malay–Chinese–Indian society. Each demographic context shapes youth engagement and cultural expression differently, making this mosque-based model distinctive. Conclusion: This study concludes that BKM Nurul Bahri Mosque develops an integrative youth model blending spiritual education, skills training, and Islamic arts, recommending mosque adoption and policy support to strengthen youth leadership, cultural engagement, and social harmony in multicultural communities
Integrating Islamic Brand Experience and Digital Marketing Ethics to Foster Sustainable Loyalty in the Halal Coffee Industry
Get PDFPurpose – This study aims to examine how the integration of sustainable Islamic marketing ethics through brand experience and social media strategies influences customer loyalty within the halal lifestyle industry, with a specific focus on the halal coffee sector in Indonesia.
Method – A quantitative research design was employed using a survey-based approach, with data collected from consumers of halal coffee brands in Indonesia. The study applied Structural Equation Modeling (SEM) to analyze the relationships between multidimensional brand experience, Islamic ethical values embedded in social media marketing, customer engagement, trust, and sustainable customer loyalty.
Findings – The results indicate that multidimensional brand experience—comprising sensory, affective, behavioral, and intellectual dimensions—significantly enhances customer engagement and trust when aligned with Islamic marketing ethics such as transparency (shiddiq), social responsibility, and Halalan-Thayyiban principles. Ethical social media content was found to strengthen emotional brand connections, which in turn plays a critical role in fostering sustainable customer loyalty.
Practical implications – The findings suggest that KopiKudu can enhance customer loyalty by providing comprehensive brand experiences and implementing effective social media marketing strategies. Similar approaches can be applied by other coffee businesses to improve customer retention, engagement, and long-term commitment to the brand.
Originality/value – This study contributes to the literature by integrating the effects of Brand Experience and Social Media Marketing on customer loyalty in the context of a local coffee shop. It highlights the importance of combining offline interactions with digital strategies to achieve sustainable customer loyalt
ANALISIS MOTIF PERILAKU BULLYING DI SMPN 1 DUAMPANUA
Get PDFBullying is aggressive behavior that is carried out repeatedly against weak people to gain validation from peers, thus providing personal satisfaction for the perpetrator. The aim of this research is to find out what forms of bullying occur at SMP 1 Duampanua, the factors that are the motives for bullying behavior, and what the psychological impact is on the perpetrators. This type of research uses qualitative methods with a case study approach and data collection using observation and interview methods. The data sources used were 1 subject from observation results and 4 supporting subjects. Meanwhile, the data analysis techniques used are data reduction, data presentation and conclusions. The results of this research show that there are several (1) forms of bullying behavior that occur at SMPN 1 Duampanua, namely physical, verbal, psychological and cyber bullying. (2) Factors that become motives for bullying behavior are biological factors, superiority, temperament, bad prejudice and environmental factors. (2) The psychological impact caused by the perpetrator of bullying is high self-confidence, stubbornness, difficulty in controlling emotions, anxiety and stress
RECONSTRUCTION OF THE MEANING OF HAJJ GUIDANCE IN THE MODERN ERA: MAQĀṢID AL-SYARĪ‘AH ANALYSIS OF TRANSFORMATION AND WORSHIP AWARENESS FORMATION
Get PDFBimbingan manasik haji merupakan bagian integral dari penyelenggaraan ibadah haji yang bertujuan membentuk kesiapan spiritual, intelektual, dan moral jamaah sebelum menunaikan ibadah ke tanah suci. Perkembangan teknologi telah mengubah pola bimbingan dari metode tatap muka tradisional menjadi model berbasis aplikasi dan pelatihan daring. Meskipun efektif dalam penyampaian informasi,transformasi ini sering kali mengurangi kedalaman pembinaan spiritual. Penelitian ini bertujuan merekonstruksi makna bimbingan manasik haji dalam perspektif Maqāṣid al-Syarī‘ah melalui pendekatan kualitatif dan studi kepustakaan. Hasil menunjukan bahwa rekonstruksi berbasis maqāṣid harus menekankan nilai ḥifẓ al-dīn, ḥifẓ al-nafs, dan ḥifẓ al-‘aql sebagai fondasi pembinaan maqāṣidiyyah,bimbingan manasik dapat menjadi media transformasi spiritual yang selaras dengan kemaslahatan umat dan kemajuan zaman.The Hajj guidance program is an essential component of pilgrimage preparation aimed at developing pilgrims’ spiritual, intellectual, and moral readiness. Technological transformation has shifted Hajj guidance from traditional face-to-face training to digital forms such as applications and online platforms. Although effective in disseminating information, this transformation often diminishes spiritual depth. This study reconstructs the meaning of Hajj guidance through the lens of Maqāṣid al-Syarī‘ah using a qualitative library research approach. The findings indicate that a maqāṣid-based reconstruction must emphasize the values of ḥifẓ al-dīn, ḥifẓ al-nafs, and ḥifẓ al-‘aql as the foundation of religious formation. With a maqāṣidiyyah orientation, Hajj guidance becomes a transformative spiritual medium aligned with societal welfare and modern technological development
Pengaruh Kompetensi Sosial dan Kepribadian Dosen Pendidikan Agama Islam terhadap Perilaku Mahasiswa Politeknik Negeri Fakfak Papua Barat
Get PDFPenelitian ini bertujuan untuk mengetahui pengaruh kompetensi sosial da kepribadian dosen Pendidikan Agama Islam terhadap perilaku mahasiswa Politeknik Negeri Fakfak Papua Barat. Latar belakang penelitian ini didasarkan pada pentingnya peran dosen tidak hanya sebagai penyampai ilmu, tetapi juga sebagai pembina karakter mahasiswa melalui sikap, kepribadian, dan interaksi sosial yang ditunjukkan dalam proses pembelajaran. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Sampel dalam penelitian ini berjumlah 50 responden yang diambil dari populasi mahasiswa yang telah mengikuti mata kuliah Pendidikan Agama Islam. Teknik pengumpulan data menggunakan angket tertutup dengan skala Likert, dan dilengkapi dengan wawancara sebagai data pendukung. Data dianalisis menggunakan uji validitas, reliabilitas, normalitas, dan regresi linear berganda. Hasil penelitian menunjukkan bahwa baik kompetensi sosial maupun kepribadian dosen memiliki pengaruh yang signifikan terhadap perilaku mahasiswa. Kompetensi sosial dosen yang tinggi tercermin dalam kemampuanmenjalin komunikasi yang baik, memahami perasaan mahasiswa, serta menjadi mediator dalam konflik. Sementara itu, kepribadian dosen yang kuat tercermin dalam kejujuran, kedisiplinan, dan keteladanan yang ditunjukkan dalam pembelajaran. Secara simultan, kedua variabel tersebut memberikan kontribusi positif terhadap pembentukan perilaku mahasiswa yang lebih bertanggung jawab, sopan, jujur, dan peduli terhadap lingkungan sosial. Dengan demikian, dapat disimpulkan bahwa dosen Pendidikan Agama Islam memiliki peran strategis dalam membentuk perilaku mahasiswa melalui kompetensi sosial dan kepribadian yang dimilikinya.
Kata Kunci: Kompetensi Sosial Dosen, Kepribadian Dosen, Perilaku Mahasiswa, Pendidikan Agama Islam, Politeknik Negeri Fakfa
TRANSFORMATION OF PAYMENT METHODS AMONG MILLENIALS: A STUDY ON THE ADOPTION AND EFFECTIVENESS OF ELECTRONIC MONEY IN PAREPARE CITY
Get PDFThe digital revolution has changed the landscape of the payment system in Indonesia, especially among millennials who are increasingly adopting electronic money as the primary method of transactions. This study aims to analyze the adoption of factors that affect the use, as well as the effectiveness of electronic money in meeting the transaction needs of the millennial generation in Parepare City. Using a qualitative approach with a case study method, this study collected data through in-depth interviews with electronic money users from various social and economic backgrounds.
The results of the study show that ease of use, transaction security, various incentives such as cashback and discounts, and social factors are the main factors in the adoption of electronic money. In addition, the effectiveness of electronic money can be seen in transaction efficiency, transaction automation, Accessibility and Flexibility, and Multitransactions. However, challenges such as uneven digital literacy and growing payment infrastructure are obstacles to wider adoption. These findings provide insights for financial service providers, governments, and the public in improving a more inclusive and effective digital payments ecosystem
Analisis Kesesuaian Investasi Saham Syariah pada Aplikasi Indo Premier Sekuritas
No full textBackground: The number of users of sharia stock investment in Indonesia is increasing. Likewise, there are various investment applications, and almost all have a Sharia scheme.
Research Objectives: To determine the suitability of sharia in implementing sharia investment in the Indo Premier Sekuritas Application.
Methods: This study uses a qualitative approach with a descriptive method. Data sources are primary and secondary data. Data collection techniques are observation, interviews, documentation, and literature studies.
Results: Present a summary of the main findings of the study, including the primary data, trends, or patterns found..
Conclusion: Sharia stock investment in the Indo Premier Sekuritas Application uses multiple contracts, including the bai' al-musawamah contract, the mudharabah contract, and the ijarah contract. This type of multi-contract in Sharia economic law is called al-uqud al-murakkabah al-mutajanisah. This means that the contracts are similar and may be combined. In addition, the Sharia stock portfolio in the Indo Premier Sekuritas Application is in accordance with Sharia provisions.Latar Belakang: Pengguna investasi saham syariah di Indonesia semakin meningkat. Begitupun aplikasi investasi yang beragam, dan hampir semua aplikasi investasi memiliki skema syariah.
Tujuan Penelitian: Mengetahui kesesuaian syariah dalam pelaksanaan investasi syariah di Aplikasi Indo Premier Sekuritas.
Metode: Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif. Sumber data berupa data primer dan sekunder. Teknik pengumpulan data dilakukan melalui observasi, wawancara, dokumentasi, dan studi pustaka.
Hasil: Menyajikan ringkasan temuan utama penelitian, termasuk data utama, tren, atau pola yang ditemukan.
Kesimpulan: Investasi saham syariah di Aplikasi Indo Premier Sekuritas menggunakan multi akad yang terdiri dari akad bai’ al-musawamah, akad mudharabah, dan akad ijarah. Jenis multi akad ini dalam hukum ekonomi syariah dinamakan dengan al-uqud al-murakkabah al-mutajanisah. Artinya akad – akad tersebut sejenis dan boleh digabungkan. Selain itu, portofolio saham syariah yang ada di Aplikasi Indo Premier Sekuritas sudah sesuai dengan ketentuan syariah
Dinamika Kesenjangan Pendidikan di Sulawesi Selatan 2019-2024 dari Perspektif Lama Sekolah
Get PDFThis study analyzes the dynamics of educational disparities in South Sulawesi Province during the 2019–2024 period by focusing on the Average Years of Schooling (AYS) as a fundamental indicator of educational attainment. Using a descriptive–comparative quantitative approach enriched with spatial analysis, this research examines 24 districts/cities to identify inequality patterns and the multidimensional factors influencing them. Data were obtained from publications of the Central Bureau of Statistics (BPS) and supporting documents related to social, economic, infrastructural, and digital variables. The findings reveal significant disparities in AYS between urban and rural areas. Makassar City consistently recorded the highest AYS (11.57 years in 2024), supported by adequate educational infrastructure, a relatively high standard of living, and strong digital penetration. In contrast, Jeneponto Regency recorded the lowest AYS (7.01 years in 2024), influenced by high poverty levels, poor road infrastructure, a low ratio of secondary schools, and limited internet access that reaches only 27% of households. Regression analysis indicates that variations in AYS are significantly influenced by school ratios, poverty levels, and digital access. Meanwhile, spatial autocorrelation analysis (Moran’s I) identified clustering of low-AYS regions in the southern–central areas of the province, indicating that inequality is systemic rather than random. These findings affirm that educational disparities in South Sulawesi are structural phenomena requiring place-based policy interventions integrated with economic development, physical infrastructure improvement, digital equalization, and strengthened educational services. This study provides strategic implications for local governments in designing more adaptive and sustainable interventions to reduce regional educational disparities.Penelitian ini menganalisis dinamika kesenjangan pendidikan di Provinsi Sulawesi Selatan selama periode 2019–2024 dengan fokus pada indikator Rata-Rata Lama Sekolah (RLS) sebagai salah satu ukuran fundamental capaian pendidikan. Menggunakan pendekatan kuantitatif deskriptif-komparatif yang diperkaya dengan analisis spasial, penelitian ini mengkaji 24 kabupaten/kota untuk mengidentifikasi pola ketimpangan antarwilayah serta faktor-faktor multidimensional yang memengaruhinya. Data diperoleh dari publikasi Badan Pusat Statistik (BPS) dan dokumen pendukung terkait variabel sosial, ekonomi, infrastruktur, dan digital. Hasil penelitian menunjukkan adanya disparitas RLS yang signifikan antara daerah perkotaan dan perdesaan. Kota Makassar secara konsisten menjadi wilayah dengan RLS tertinggi (11,57 tahun pada 2024), didukung oleh ketersediaan infrastruktur pendidikan yang memadai, tingkat kesejahteraan masyarakat yang tinggi, serta penetrasi teknologi digital yang kuat. Sebaliknya, Kabupaten Jeneponto menjadi wilayah dengan RLS terendah (7,01 tahun pada 2024), dipengaruhi oleh tingginya tingkat kemiskinan, infrastruktur jalan yang buruk, rendahnya rasio sekolah menengah, serta keterbatasan akses internet yang hanya menjangkau 27% rumah tangga. Analisis regresi menunjukkan bahwa variasi RLS dipengaruhi secara signifikan oleh rasio sekolah, tingkat kemiskinan, dan akses digital. Sementara itu, analisis autokorelasi spasial (Moran’s I) mengidentifikasi adanya klasterisasi wilayah ber-RLS rendah di bagian selatan–tengah provinsi, menandakan bahwa ketimpangan bersifat sistemik dan tidak terjadi secara acak. Temuan ini menegaskan bahwa kesenjangan pendidikan di Sulawesi Selatan merupakan fenomena struktural yang membutuhkan pendekatan kebijakan berbasis wilayah (place-based policy) yang terintegrasi dengan pembangunan ekonomi, infrastruktur fisik, pemerataan digital, dan penguatan kualitas layanan pendidikan. Penelitian ini memberikan implikasi strategis bagi pemerintah daerah dalam merancang intervensi yang lebih adaptif dan berkelanjutan guna mempersempit disparitas pendidikan antarwilayah
Gaya Kepemimpinan Transformasional Kepala Madrasah MIS Muhammadiyah 14 Talang Ulu Dalam Menghadapi Tantangan dan Perubahan Pendidikan
Get PDFThis study aims to examine the application of transformational leadership style by the Principal of MIS Muhamadiya 14 Talang Ulu in responding to the dynamics of educational change. A qualitative approach was used with a case study method. Data were collected through in-depth interviews, observations, and documentation. The results of the study indicate that the principal can internalize the values of transformational leadership through inspiring vision communication, empowering teachers and staff, and encouraging technology-based and character-based learning innovations. The challenges faced include limited facilities and internal resistance to change, but are overcome through a collaborative approach and ongoing coaching. This study suggests the need for ongoing leadership training and strengthening of an adaptive madrasah organizational culture.Penelitian ini bertujuan untuk mengkaji penerapan Gaya kepemimpinan transformasional oleh Kepala Madrasah MIS Muhammadiyah 14 Talang Ulu dalam merespons dinamika perubahan pendidikan. Pendekatan kualitatif digunakan dengan metode studi kasus. Data dikumpulkan melalui wawancara mendalam, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa kepala madrasah mampu menginternalisasi nilai-nilai kepemimpinan transformasional melalui komunikasi visi yang inspiratif, pemberdayaan guru dan staf, serta dorongan terhadap inovasi pembelajaran berbasis teknologi dan karakter. Tantangan yang dihadapi antara lain keterbatasan sarana dan resistensi internal terhadap perubahan, namun diatasi melalui pendekatan kolaboratif dan pembinaan berkelanjutan. Penelitian ini menyarankan perlunya pelatihan kepemimpinan berkelanjutan dan penguatan budaya organisasi madrasah yang adaptif.