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Sustainable Islamic Banking through Legal Literacy: An Analysis of Customer Perceptions of Sharia Financing
Get PDFPurpose – This study examines how legal literacy shapes customer perceptions and sustainable engagement with Sharia-compliant financing at Bank Syariah Indonesia (BSI) Sungai Penuh. This research explores the factors that influence this literacy–perception gap.
Method – Using a qualitative field approach, data were collected through semi-structured interviews with six BSI customers representing diverse financing experiences. The Miles–Huberman framework was used for iterative coding, reduction, and thematic interpretation. The analysis focused on identifying customers’ understanding of Sharia contracts, perceived challenges, and their implications for sustainable Islamic banking.
Findings – The results demonstrate that customers possess general awareness of Sharia principles but have limited understanding of the technical components of financing contracts. Respondents frequently reported confusion regarding contract terminology, profit-sharing formulas, and administrative procedures. Trust in DSN-MUI fatwas and Sharia Supervisory Boards compensated for this lack of literacy, producing a trust-driven rather than knowledge-driven decision-making pattern. Additionally, customers highlighted issues such as complex documentation, slow approval processes, and ineffective communication, which negatively affect service experience and long-term engagement.
Practical implications – Enhancing legal literacy through structured education, plain-language disclosures, digital communication, and streamlined administrative procedures can significantly strengthen customer participation and sustainability in Sharia financing.
Originality/value – This study offers a socio-legal perspective rarely emphasized in Islamic finance literature by demonstrating how legal literacy directly influences perception, transparency, and sustainability. The literacy–perception–sustainability model proposed here provides a new analytical lens for evaluating customer behavior in Islamic bankin
Strategy Analysis of the Modern Mosque of Kurir Langit in Campaigning the Donation Movement in Parepare
Get PDFThis study aims to analyze the da'wah strategies implemented by the Modern Mosque of Kurir Langit in campaigning the Food Donation Movement in Parepare City, as well as to identify internal and external strategic factors that influence the sustainability of the program. This research employs a qualitative descriptive approach within a field research framework, involving interviews and observations with administrators, Kurir Langit volunteers, donors, and beneficiaries. Secondary data were also obtained from books, journal articles, and online sources relevant to the topic. The data analysis process followed the stages of data collection, data reduction, data presentation, and conclusion drawing. The findings show that the mosque utilizes several strategic approaches, including the use of social media flyers and short videos as campaign tools and accountability media for donors and partners. The rational approach (al-manhaj al-‘aqli) is reflected in conveying theological, social, and humanitarian benefits of donating food, while the sensory approach (al-manhaj al-hissy) appears in volunteer engagement and millennial involvement through direct humanitarian activities. The study also identifies several weaknesses, such as limited human resources, inadequate donor participation, and the mosque’s geographically distant location from the urban center. Meanwhile, opportunities arise from technological developments, improved mosque infrastructure, and strong community trust. The threats include limited time for direct socialization, challenges in food distribution, and the dominance of rice as the primary donated item. Based on these findings, the study recommends strengthening digital communication strategies, expanding partnerships with local institutions, diversifying donated food items, and increasing volunteer training to enhance program effectiveness and long-term sustainability
Mempersoalkan Hukum Perkawinan Beda Agama di Indonesia melalui Perspektif Hak Asasi Manusia
No full textThis research problematizes the law of interfaith marriage in Indonesia and its application. By presenting some cases of interfaith marriages that occurred during 2022, through literature searches and media reports, this research shows the tendency of violations of human rights, particularly the right to freedom of religion or belief (FoRB), especially by using the argument of the Marriage Law No. 1, 1974. This study found that marriage law in Indonesia does not provide legal certainty for interfaith marriages, thus allowing certain groups to discriminate against interfaith couples accessing legal marriages. Furthermore, this research argues that one way to make marriage law in Indonesia inclusive is to use the human rights paradigm as the basis for formulating marriage law.Penelitian ini mempersoalkan hukum perkawinan beda agama di Indonesia dan penerapannya. Dengan menghadirkan kasus-kasus perkawinan beda agama yang terjadi selama 2022, lewat penelusuran literatur dan pemberitaan media, penelitian ini menunjukkan kecenderungan pelanggaran hak asasi manusia, khususnya hak atas kebebasan beragama atau berkeyakinan (FoRB), terutama dengan menggunakan dalil UU Perkawinan No. 1, Tahun 1974. Penelitian ini menemukan bahwa hukum perkawinan di Indonesia tidak memberikan kepastian hukum bagi perkawinan beda agama sehingga memungkinkan kelompok tertentu mendiskriminasi pasangan beda agama untuk turut mengakses pernikahan yang sah. Lebih lanjut, penelitian ini berargumentasi bahwa salah satu cara untuk menjadikan hukum perkawinan di Indonesia menjadi inklusif adalah dengan menggunakan paradigma hak asasi manusia sebagai dasar perumusan hukum perkawinan
Granting Hareuta Peunulang in Aceh: Between Grant and Inheritance
Get PDFHareuta peunulang is a gift presented to a daughter getting married in Aceh as an immovable object. In practice, however, it is also given to the son. Some described it as a grant; on the other hand, others referred to it as an inheritance, resulting in legal inequality. This study aims to identify the problem of Islamic Law views on the giving and the practice of giving hareuta peunulang, which can be risk management for daughters in Aceh. It used an empirical method with a descriptive approach. Collecting data through interview techniques was conducted with 7 (seven) informants who were granted hareuta peunulang. The results show that it was determined that the practice was not contrary to favorable Islamic laws. The provisions of the limit of 1/3 of the assets described in KHI result from scholars' (Ulama) opinions based on benefit. The provision does not determine whether a grant is valid or not. Parental gifts can be considered as inheritance. In customary law, granting hareuta peunulang is a way to protect and provide welfare to women to avoid poverty and other risks. Acehnese has local wisdom to safeguard daughters, which is not contrary to Islamic law
Anthropological Insights into Mogigi: The Intersection of Kaili Custom and Islamic Law
No full textThis article contains an anthropological review of Islamic law on traditional marriages in the Kaili community which carry out marriage rituals by requiring the practice of mogigi. Mogigi is the process of shaving the fine hairs around the eyebrows without changing the original structure of the eyebrows which is done on both bride and groom. Based on this custom, this study aims to describe the process of implementing the mogigi tradition in traditional marriages of the Kaili community and to explain the anthropological review of Islamic law on this tradition. This research is a qualitative research (field research) with an anthropological approach to Islamic law which accumulates the principles of Fiqhiyyah, Urf and the theory of Symbolic Interpretivism by Clifford Geertz. The data sources used by researchers consist of primary data (interviews) and secondary data in the form of books, journals and manuscripts. The results of this study concluded that the mogigi tradition is a traditional symbol of the Kaili tribe which has a symbolic meaning as a manifestation of the willingness, obedience, and belief of the bride and groom to leave all their past deeds, and be ready to face the future with fortitude. After conducting in-depth research on all aspects of adat in the mogigi tradition, it can be seen that the mogigi tradition does not conflict with Islamic law, because a taghyir (Adaptive-reconstructive) process has taken place between the local culture of the Kaili indigenous people and Islamic law resulting in the mogigi tradition. which contain cultural values and Islamic values. This research has implications for the existence of the mogigi tradition in the traditional wedding procession of the Kaili tribe which has experienced a mixture of religious and cultural values
Law Enforcement in the Financial Sector in Indonesia and United Kingdom: A Sadd al-Dharai’ Approach to Regulation and Oversight
Get PDFThe financial sector is crucial to economic stability but remains vulnerable to violations such as digital fraud and money laundering. These challenges require robust law enforcement mechanisms grounded in both traditional and modern governance principles. This study aimed to analyze regulatory frameworks, supervisory mechanisms, and preventive governance in Indonesia’s financial sector using Sadd al-Dharai’. A qualitative approach with normative juridical methods was employed, focusing on secondary data analysis. The research identified regulatory comprehensiveness, institutional effectiveness, and preventive governance as key dimensions. While Indonesia’s legal frameworks are strong, gaps in addressing technological and global challenges remain. Sadd al-Dharai’ emphasizes proactive measures to mitigate financial risks. Practically, the study recommends updating regulations, enhancing institutional collaboration, and integrating advanced technologies. Theoretically, it highlights the relevance of Islamic principles like Sadd al-Dharai’ in addressing contemporary financial challenges, providing a foundation for future research in preventive governance.
The financial sector is crucial to economic stability but remains vulnerable to violations such as digital fraud and money laundering. These challenges require robust law enforcement mechanisms grounded in both traditional and modern governance principles. This study aimed to analyze regulatory frameworks, supervisory mechanisms, and preventive governance in Indonesia’s financial sector using Sadd al-Dharai’. A qualitative approach with normative juridical methods was employed, focusing on secondary data analysis. The research identified regulatory comprehensiveness, institutional effectiveness, and preventive governance as key dimensions. While Indonesia’s legal frameworks are strong, gaps in addressing technological and global challenges remain. Sadd al-Dharai’ emphasizes proactive measures to mitigate financial risks. Practically, the study recommends updating regulations, enhancing institutional collaboration, and integrating advanced technologies. Theoretically, it highlights the relevance of Islamic principles like Sadd al-Dharai’ in addressing contemporary financial challenges, providing a foundation for future research in preventive governance
PENDIDIKAN AGAMA ISLAM DI ERA PEMBELAJARAN ABAD 21
Get PDFPendidikan Agama Islam (PAI) memiliki peran vital dalam membentuk karakter, moral, dan kesadaran spiritual peserta didik di abad 21 yang ditandai oleh perkembangan teknologi dan globalisasi. Abad ini menuntut pendekatan pembelajaran yang adaptif dengan fokus pada enam kompetensi utama, yaitu 6C (Critical Thinking, Creativity, Collaboration, Communication, Character, dan Citizenship). Artikel ini bertujuan untuk menganalisis hubungan antara prinsip pembelajaran abad 21 dan PAI, dengan menggunakan metode studi kepustakaan untuk mengidentifikasi tantangan dan peluang yang ada. Tantangan yang dihadapi meliputi rendahnya literasi digital di kalangan guru dan peserta didik serta kurangnya integrasi teknologi dalam kurikulum PAI. Namun, peluang besar muncul melalui pemanfaatan teknologi digital, seperti e-learning dan media interaktif, untuk mendukung pembelajaran yang lebih efektif. Hasil kajian menunjukkan bahwa kurikulum PAI dapat dioptimalkan dengan mengintegrasikan nilai-nilai Islami dan kompetensi abad 21, melalui pelatihan guru, pengembangan media pembelajaran, dan kolaborasi lintas sektor. Kesimpulannya, PAI dapat tetap relevan di era global dengan pendekatan holistik yang menggabungkan penguatan kompetensi guru, kurikulum berbasis 6C, dan pemanfaatan teknologi. Novelty dari penelitian ini terletak pada usulan integrasi nilai-nilai Islami dengan kompetensi abad 21 untuk membentuk generasi Muslim yang religius, inovatif, dan kompetitif secara global
STRATEGI GURU DALAM PENANAMAN KEDISIPILINAN DAN KEJUJURAN PESERTA DIDIK DI MI DDI BOTTOE KECAMATAN TANETE RILAU
Get PDFPenelitian ini bertujuan untuk mengidentifikasi strategi guru dalam menanamkan nilai kedisiplinandan kejujuran pada peserta didik di MI DDI Bottoe Kecamatan Tanete Rilau, Kabupaten Barru.Permasalahan yang dihadapi adalah kurangnya internalisasi nilai-nilai moral dalam perilakusehari-hari peserta didik, akibat terbatasnya sinergi antara guru, orang tua, dan lingkungan.Strategi yang diterapkan meliputi komunikasi efektif, klarifikasi nilai, keteladanan, pembiasaan,serta pemberian sanksi edukatif. Penelitian ini menggunakan pendekatan deskriptif kualitatifdengan teknik observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwastrategi-strategi tersebut mampu meningkatkan kesadaran peserta didik terhadap pentingnyakedisiplinan dan kejujuran. Hal ini tercermin dalam kepatuhan terhadap aturan sekolah danpeningkatan tanggung jawab mereka dalam kehidupan sehari-hari. Faktor pendukung mencakupketeladanan guru, kontrol kepala madrasah, serta dukungan masyarakat. Namun, hambatan utamaberasal dari kurangnya perhatian orang tua, lingkungan keluarga yang kurang kondusif, danrendahnya kesadaran peserta didik. Penelitian ini memberikan kontribusi berupa rekomendasipendekatan holistik yang melibatkan sinergi antara sekolah, keluarga, dan masyarakat untukmemperkuat pendidikan karakter. Implikasi dari penelitian ini adalah pentingnya penguatan nilai-nilai moral dalam proses pembelajaran sebagai respons terhadap tantangan globalisasi. Strategi inidapat menjadi model yang direplikasi di institusi pendidikan lain untuk mencetak generasibermoral, bertanggung jawab, dan berintegritas tinggi
Penerapan Akad Wadiah Yad Dhamanah dalam Tabungan Sekolah: Application Of The Yad Dhamanah Wadiah Agreement In School Savings
Get PDFImplementation of children's savings provided by the school with daily savings without limiting the minimum amount to be saved. So that it makes it easier for the guardians of students and students to set aside or save their money according to their desired targets and needs. This research uses a qualitative approach because the data collected is in the form of words and images. The implementation of children's savings at Madrasah Al-Amin applies to all female students starting from class 0-VI and they are required to have a savings book. This was also expressed by Ustadzah Hoiriyah in his interview that the requirements for being able to save are: "having a savings book and having to wait in line at al-Amin". The school savings contract used at Madrasah Al-Amin is an agreement to deposit funds from the customer to the school as the entrusted recipient of the deposit with the aim of maintaining the safety, security and integrity of the funds
CROWDFUNDING-WAQF MELALUI PLATFORM WAKAF KITA UNTUK PROYEK INFRASTRUKTUR PENDIDIKAN
No full textCrowdfunding-Waqf merupakan pengumpulan dana wakaf dari masyarakat secara turun dana melalui teknologi, yaitu dikumpulkan pada platform Crowdfunding. Wakaf Kita di Kabupaten Jombang adalah salah satu lembaga yang menerapkan Crowdfunding-Waqf. Crowdfunding-Waqf yang dilakukan oleh lembaga Wakaf Kita berorientasi pada pendanaan proyek infrastruktur pendidikan. Tujuan dalam penelitian ini adalah untuk menganalisis strategi dan peran Crowdfunding-Waqf melalui platform Wakaf Kita untuk proyek infrastruktur pendidikan serta untu mengetahui pendapatan lembaga Wakaf Kita. Penelitian ini menggunakan pendekatan kualitatif dengan jenis penelitian deskriptif. Hasil penelitian menunjukan bahwa strategi Crowdfunding-Waqf melalui Platform Wakaf Kita untuk Proyek Infrastruktur Pendidikan lebih mudah, jangkauan syiar yang lebih luas, dan efisien. Peran Crowdfunding-Waqf terhadap Proyek Infrastruktur Pendidikan yaitu sebelum dilakukan Crowdfunding-Waqf Wakaf Kita, terdapat pelaku utama yaitu pencari dana atau fundraiser, donatur atau crowdfunder, dan penghubung di antara keduanya. Crowdfunding-Waqf terhadap Proyek Infrastruktur Pendidikan dengan langkah operasional mengunggah dan mengajukan usulan proyek, memilih proyek yang ingin mereka bantu pendanaannya yaitu proyek pendidikan, Wakif mentransfer/mengirim dana, dan Wakif dalam hal ini menerima jaminan berupa sertifkan atau tanda terima. Pendapatan lembaga Wakaf Kita melalui strategi Crowdfunding-Waqf berasal dari pengelolaan wakaf produktif, yaitu dengan memproduktifkan donasi tersebut