Sao Jurnal IAIN Parepare
Not a member yet
2676 research outputs found
Sort by
TRANSFORMASI PERBANKAN KONVENSIONAL OLEH FINTECH DALAM EKONOMI BERBASIS PLATFORM DIGITAL
Get PDFThis study investigates the transformative impact of financial technology (fintech) on the conventional banking sector within the framework of a platform-based digital economy. Employing a Systematic Literature Review (SLR) methodology, the research systematically analyzes 30 peer-reviewed journal articles published between 2015 and 2023. The objective is to explore the evolving dynamics between banks and fintech firms, focusing on patterns of strategic collaboration, institutional adaptation, and technological integration. The findings reveal that the relationship between traditional banks and fintech has shifted from one of disruption to symbiotic cooperation, wherein fintech contributes agility and innovation, while banks offer infrastructure, regulatory legitimacy, and consumer trust. This transformation facilitates the development of more efficient, inclusive, and sustainable financial services. The study underscores the critical role of adaptive regulatory frameworks, enhanced digital literacy, and the incorporation of Islamic digital financial tools in supporting this transformation, particularly in the context of Islamic banking. It recommends policy strategies such as open banking architecture and enabling regulation models to foster innovation while ensuring systemic stability and inclusivity.Penelitian ini bertujuan untuk mengkaji proses transformasi dalam sektor perbankan sebagai respons terhadap kemunculan dan perkembangan fintech (financial technology) dalam ekosistem ekonomi digital berbasis platform. Melalui pendekatan Systematic Literature Review (SLR) terhadap 30 artikel ilmiah yang diterbitkan antara tahun 2015 hingga 2023, kajian ini menganalisis pola interaksi, bentuk kolaborasi, serta perubahan struktural dan strategis yang terjadi antara perbankan dan fintech. Hasil penelitian menunjukkan bahwa transformasi perbankan tidak lagi sekadar respons terhadap disrupsi, melainkan bergerak ke arah kolaborasi simbiotik di mana bank dan fintech saling melengkapi dalam menciptakan layanan yang lebih efisien, inklusif, dan adaptif. Fintech berperan sebagai inovator yang mendorong percepatan digitalisasi, sementara bank konvensional menawarkan infrastruktur, legalitas, dan kepercayaan publik. Implikasi dari temuan ini menekankan pentingnya dukungan regulasi adaptif, penguatan literasi digital, serta pengembangan fitur Islami digital sebagai strategi jangka panjang dalam mendorong transformasi keuangan yang berkelanjutan, khususnya dalam konteks perbankan syariah. Kajian ini merekomendasikan pendekatan kolaboratif berbasis platform terbuka (open banking) dan kebijakan berbasis prinsip enabling regulation untuk memperkuat sinergi antara bank dan fintech di masa depan
TRANSFORMASI PENDIDIKAN KEUANGAN SYARIAH TERHADAP LITERSI MASYARAKAT DI ERA DIGITAL
Get PDFThe advancement of digital technology has transformed various sectors of life, including education and financial services. In the context of Islamic economics, Islamic financial education plays a vital role in shaping public literacy to enable individuals to understand, select, and manage financial products based on Sharia principles. This study aims to systematically examine how the transformation of Islamic financial education—through curriculum digitalization, technology-based learning media, and online outreach—affects financial literacy in the digital era. The method used is a Systematic Literature Review (SLR) of academic articles published between 2015 and 2024, sourced from indexed databases such as Scopus, Google Scholar, and DOAJ. The findings indicate that the integration of technology into Islamic financial education positively contributes to enhancing public understanding, particularly among millennials and Gen Z, regarding the principles, instruments, and practices of Sharia finance. However, digital access disparities and limited digital literacy remain major challenges. This study recommends enhanced collaboration between educational institutions, Sharia financial authorities, and the technology sector to develop inclusive and adaptive educational models suited to contemporary changes.
ABSTRACT
The advancement of digital technology has transformed various sectors of life, including education and financial services. In the context of Islamic economics, Islamic financial education plays a vital role in shaping public literacy to enable individuals to understand, select, and manage financial products based on Sharia principles. This study aims to systematically examine how the transformation of Islamic financial education—through curriculum digitalization, technology-based learning media, and online outreach—affects financial literacy in the digital era. The method used is a Systematic Literature Review (SLR) of academic articles published between 2015 and 2024, sourced from indexed databases such as Scopus, Google Scholar, and DOAJ. The findings indicate that the integration of technology into Islamic financial education positively contributes to enhancing public understanding, particularly among millennials and Gen Z, regarding the principles, instruments, and practices of Sharia finance. However, digital access disparities and limited digital literacy remain major challenges. This study recommends enhanced collaboration between educational institutions, Sharia financial authorities, and the technology sector to develop inclusive and adaptive educational models suited to contemporary changes.
ABSTRAK
Perkembangan teknologi digital telah merevolusi berbagai sektor kehidupan, termasuk pendidikan dan layanan keuangan. Dalam konteks ekonomi Islam, pendidikan keuangan syariah memegang peranan penting dalam membentuk literasi masyarakat agar mampu memahami, memilih, dan mengelola produk-produk keuangan sesuai prinsip syariah. Artikel ini bertujuan untuk mengkaji secara sistematis bagaimana transformasi pendidikan keuangan syariah—melalui digitalisasi kurikulum, media pembelajaran berbasis teknologi, dan penyuluhan daring—mempengaruhi tingkat literasi masyarakat di era digital. Metode yang digunakan adalah studi literatur sistematis (Systematic Literature Review/SLR) terhadap artikel-artikel akademik yang dipublikasikan antara tahun 2015 hingga 2024, yang diperoleh dari basis data terindeks seperti Scopus, Google Scholar, dan DOAJ. Hasil temuan menunjukkan bahwa integrasi teknologi dalam pendidikan keuangan syariah berkontribusi positif terhadap peningkatan pemahaman masyarakat, terutama generasi milenial dan Gen Z, terhadap prinsip, instrumen, dan praktik keuangan syariah. Namun demikian, disparitas akses digital dan kompetensi literasi digital masih menjadi tantangan utama. Studi ini merekomendasikan perlunya kolaborasi antara lembaga pendidikan, otoritas keuangan syariah, dan sektor teknologi untuk mengembangkan model edukasi yang inklusif dan adaptif terhadap perubahan zaman
Strategies for Enhancing Islamic Financial Literacy by Islamic Banks in Responding to Digital Economic Disruption: Strategi Penigkatan Literasi Keuangan Islam Oleh Bank Syariah Dalam Menghadapi Distribusi Ekonimi Digital
Get PDFThe development of the digital economic distribution demands Islamic banks to adapt by enhancing Islamic financial literacy among the public. This study aims to identify and analyze the strategies implemented by Islamic banks in responding to these challenges. Using a qualitative approach based on literature reviews and secondary data, the findings reveal that strategies include digitalization of Islamic financial education materials, utilization of social media, development of educational mobile applications, and collaboration with educational institutions and digital communities. These strategies have proven effective in increasing public awareness and understanding of Islamic finance, while also encouraging active participation in a digital economy aligned with Sharia principles.
Perkembangan distribusi ekonomi digital menuntut bank syariah untuk beradaptasi dalam meningkatkan literasi keuangan Islam di kalangan masyarakat. Penelitian ini bertujuan untuk mengidentifikasi dan menganalisis strategi yang diterapkan oleh bank syariah dalam menghadapi tantangan tersebut. Melalui pendekatan kualitatif berbasis studi literatur dan data sekunder, ditemukan bahwa strategi yang digunakan mencakup digitalisasi materi edukasi keuangan syariah, pemanfaatan media sosial, pengembangan aplikasi mobile edukatif, serta kolaborasi dengan institusi pendidikan dan komunitas digital. Strategi-strategi ini terbukti efektif dalam meningkatkan kesadaran dan pemahaman masyarakat terhadap keuangan Islam, serta mendorong keterlibatan aktif dalam sistem ekonomi digital yang sesuai dengan prinsip-prinsip syariah.
Kata Kunci:
literasi keuangan Islam, bank syariah, ekonomi digital, strategi edukasi, distribusi ekonomi.
 
Peran Pemimpin Agama Dalam Membangun Harmoni Keagamaan Studi Kasus Desa Kesamben
Get PDFThis research aims to examine the role of religious leaders in building religious harmony in Kesamben Village. Kesamben Village was chosen as a case study because it is representative of a multi-religious community. The research method employed is qualitative with a case study approach. Data were collected through interviews, observations, and document analysis. The results of the research indicate that religious leaders play a key role in creating and maintaining religious harmony in Kesamben Village. They serve not only as religious figures but also as mediators, educators, and social cohesion agents within the community. Religious leaders help understand religious differences, promote tolerance, and facilitate interfaith dialogue. Therefore, this research contributes to the understanding of the vital role of religious leaders in the context of religious harmony
Integrasi Falsafah Syariah Dan Falsafah Tasyri’ Dalam Pembentukan Hukum Keluarga Islam: Sebuah Kajian Filosofis
Get PDFPenelitian ini mengkaji integrasi falsafah syariah dan tasyri’ dalam pembentukan hukum keluarga Islam di Indonesia, yang bertujuan untuk menjawab tantangan zaman modern. Hukum keluarga Islam memiliki dasar pada prinsip-prinsip universal Al-Qur’an dan Sunnah, namun realitas sosial yang berkembang memerlukan penyesuaian agar tetap relevan. Penelitian ini menggunakan metode penelitian normatif-filosofis dengan pendekatan konseptual, perundang-undangan, dan filosofis untuk menggali prinsip-prinsip dasar hukum keluarga Islam. Hasil penelitian menunjukkan bahwa integrasi antara falsafah syariah dan tasyri’ mengarah pada pembentukan hukum yang responsif terhadap perubahan sosial dan tetap berlandaskan pada tujuan syariah. Pembahasan ini mengidentifikasi tantangan dalam mengharmonisasikan keduanya, terutama dalam masalah poligami, perceraian, dan hak asuh anak. Penelitian ini menekankan pentingnya kajian filosofis yang mendalam untuk menciptakan hukum keluarga Islam yang adaptif namun tetap menjaga esensi syariah. Kesimpulan menunjukkan bahwa hukum keluarga Islam harus terus berkembang untuk menghadapi tantangan zaman modern dengan tetap memperhatikan prinsip dasar syariah
Comparison of the Preaching Rhetoric of Ustadz Hanan Attaki and Habib Husein Ja'far on Instagram
No full textThe importance of understanding da'wah rhetoric on social media, especially Instagram, is increasing among Generation Z and Millennials. This study compares the da'wah rhetoric of Ustadz Hanan Attaki and Habib Husein Ja'far in short Instagram Reels videos to understand its application in a digital context. Using a qualitative approach and comparative research, data was collected through observation and documentation of video content. The analysis was conducted by categorizing the videos based on rhetorical themes and identifying similarities and differences in the aspects of ethos, pathos, logos, and delivery style of the two figures. The results showed that despite the differences in style, both managed to combine the principles of ethos, pathos, and logos effectively. Ustadz Hanan uses a sharp voice pitch with a relaxed style, while Habib Husein emphasizes an organized structure with a consistent rhythm. This difference emphasizes the importance of adjusting language style, voice, and body movements to the character of the audience. In addition, both use informal language and Qur'anic verse quotations to reinforce the message. The findings are expected to provide guidance for da'i in utilizing social media effectively, as well as pave the way for further research to examine social and cultural influences on da'wah reception.Pentingnya pemahaman retorika dakwah di media sosial, khususnya Instagram, semakin meningkat di kalangan Generasi Z dan Milenial. Penelitian ini membandingkan retorika dakwah Ustadz Hanan Attaki dan Habib Husein Ja’far dalam video pendek Instagram Reels untuk memahami penerapannya dalam konteks digital. Menggunakan pendekatan kualitatif dan penelitian komparatif, data dikumpulkan melalui observasi dan dokumentasi konten video. Analisis dilakukan dengan mengelompokkan video berdasarkan tema retorika serta mengidentifikasi persamaan dan perbedaan dalam aspek ethos, patos, logos, dan gaya penyampaian kedua tokoh. Hasil penelitian menunjukkan bahwa meskipun ada perbedaan gaya, keduanya berhasil memadukan prinsip ethos, patos, dan logos secara efektif. Ustadz Hanan menggunakan pitch suara tajam dengan gaya santai, sementara Habib Husein lebih menonjolkan struktur terorganisir dengan ritme konsisten. Perbedaan ini menekankan pentingnya menyesuaikan gaya bahasa, suara, dan gerakan tubuh dengan karakter audiens. Selain itu, keduanya menggunakan bahasa informal dan kutipan ayat Al-Qur’an untuk memperkuat pesan. Temuan ini diharapkan memberikan panduan bagi da’i dalam memanfaatkan media sosial secara efektif, serta membuka jalan bagi penelitian lanjutan untuk mengkaji pengaruh sosial dan budaya terhadap penerimaan dakwa
Rethinking the Criminal Responsibility of Minors: A Comparative and Interdisciplinary Analysis
Get PDFBackground: The criminal responsibility of minors remains a pressing issue in contemporary legal studies because it lies at the intersection of justice, child protection, and societal security.
Purpose: The aim of this paper is to critically analyze the legal and conceptual foundations of juvenile criminal responsibility, with particular attention to international human rights standards and comparative practices across jurisdictions.
Methods: the study adopts a doctrinal and critical comparative approach, examining statutory frameworks, judicial interpretations, and scholarly debates while integrating insights from developmental psychology.
Findings: The results reveal substantial inconsistencies in the age of criminal responsibility, limited compliance with the UN Convention on the Rights of the Child, and inadequate consideration of psychological maturity in determining culpability.
Theoretical and Practical Implications: the study contributes to debates on the relationship between law, developmental science, and human rights in shaping juvenile justice frameworks. Practically, the findings underscore the need for policies that integrate restorative justice principles, prioritize rehabilitation over punitive measures, and harmonize domestic laws with international standards.
Originality/Novelty: The originality of this research lies in its interdisciplinary critique that combines legal analysis, psychological insights, and human rights frameworks to propose an evidence-based recalibration of juvenile criminal responsibility
The Debate Between Customary Traditions and Islamic Family Law: Parental Dominance in Arranged Marriages Following Divorce in Pangkep
Get PDFThis study aims to examine the phenomenon of parental dominance in the practice of arranged marriages, specifically in the context of divorces resulting from such arrangements in Ma’rang District, Pangkep Regency. Employing a qualitative approach with a case study design, this research collects primary data from parents who have arranged marriages for their children, individuals who were involved in arranged marriages, religious leaders, and community figures. Secondary data were obtained from scholarly literature discussing similar themes. Data collection techniques include observation, in-depth interviews, and documentation. The analysis framework is built upon domination theory, conflict theory, and the concept of maqāṣid al-sharī‘ah. The findings indicate that parents exercise dominance through three approaches: persuasive, authoritative, and coercive. This dominance has significant implications, including marital disharmony, psychological distress, divorce, post-marriage trauma, and interfamily conflict. From the perspective of Islamic family law, arranged marriages that exclude the children's consent are inconsistent with the core values of maqāṣid al-sharī‘ah—specifically the protection of religion (ḥifẓ al-dīn), life (ḥifẓ al-nafs), intellect (ḥifẓ al-‘aql), and progeny (ḥifẓ al-nasl). It also violates Article 16 (1) and (2) of the Compilation of Islamic Law, which mandates the mutual consent of both parties in a marriage contract. Based on these findings, the study recommends that family decision-making processes prioritize open dialogue and individual autonomy in order to build marriages that reflect Islamic ideals of sakinah, mawaddah, and rahmah. In addition, the study encourages policymakers and religious authorities to strengthen community awareness regarding the legal and ethical dimensions of marriage decisions
POLA INTERAKSI KOMUNIKASI PIMPINAN TERHADAP KRU TVPEDULI DALAM MENCIPTAKAN KENYAMANAN KERJA
Get PDFMuh. Akbar, Communication Pattern of Leaders Towards tvPeduli Crew in Creating Work Comfort (Mr. Dr. Muhammad Saleh, M.Ag as the Main Supervisor and Mrs. Dr. Zulfa, M.Pd. as the Assistant Supervisor)
TV Peduli is a local TV that is used as an information media and a forum for public participation, by presenting healthy, intelligent, and quality information and inspiration as well as a variety of local and national content. And where the human resources that must operate must be qualified so that they can provide shows like national TV and private TV.
This research is a qualitative research that uses the Leaders and crew of TV Peduli as research sources and focuses on. Communication patterns of leaders towards TV Peduli crew in creating work comfort.
The results of this study are communication patterns that refer to total channel patterns. This means a communication flow that ensures all group members can directly communicate with other members without intermediaries. Communication science views patterns: as communication flows that have several models and are influenced by several factors that are formed, one of which is from organizational policies and leadership models. The participatory leadership model provides a great opportunity for the formation of a total channel communication pattern. With this pattern, coordination is one of the things that becomes an added value so that in its implementation it can increase work comfort in an institution, including in the TV Peduli environment.
Muh. Akbar, Pola Komunikasi Pimpinan Terhadap Kru tvPeduli Dalam Mencptakan Kenyamanan Kerja (Bapak Dr. Muhammad Saleh, M.Ag selaku Pembimbing Utama dan Ibu Dr. Zulfa, M.Pd. selaku Pembimbing Pendamping)
TV Peduli adalah tvlokal yang dijadikan sebagai media informasi dan wadah partisipasi public, dengan menyajikan informasi dan inspirasi sehat, cerdas, dan bermutu serta kaya ragam konten lokal dan nasionanal. Dan dimana SDM yang harus mengoprasikan harus berkualitas sehingga bisa memberikan tontonan layaknya tvnasional dan tv swasta.
Penelitian ini adalah penelitian kualitatif yang menjadikan Pimpinan dan kru TV Peduli sebagai narasumber penelitian dan difokuskan pada. Pola komunikasi pimpinan terhadap kru TV Peduli dalam menciptakan kenyamanan kerja.
Hasil penelitian ini adalah pola komunikasi yang merujuk pada pola saluran total. Hal ini berarti alur komunikasi yang menjamin semua anggota kelompok dapat secara langsung berkomunikasi dengan anggota lainnya tanpa perantara.. Ilmu komunikasi memandang pola : sebagai alur komunikasi yang memiliki beberapa model dan dipengaruhi oleh beberapa faktor terbentuk, salah satunya dari kebijakan organanisasi dan model kepemimpinan. Model kepemimpinan partisipatif memberikan peluang besar terbentuknya pola komunikasi saluran total. Dengan pola ini, koordinasi merupakan salah satu hal yang menjad nilai tambah sehingga dalam penerapannya mampu meningkatkan kenyamanan kerja dalam sebuah lembaga, termasuk dalam lingkungan TV Peduli.
 
RISK PROFILE, GOOD CORPORATE GOVERNANCE AND CAPITAL ON PROFIT GROWTH IN ISLAMIC COMMERCIAL BANKS
Get PDFThis study aims to analyze the effect of Risk Profile, Good Corporate Governance, and Capital on Profit Growth in Islamic Commercial Banks. These three independent variables are part of the bank soundness assessment approach known as the RGEC method. However, in this study, the Earning variable is excluded to avoid duplication of indicators directly related to profit. The Risk Profile is measured using the Non-Performing Financing (NPF) ratio, Good Corporate Governance is measured through the Operational Expenses to Operating Income (BOPO) ratio, and Capital is measured using the Capital Adequacy Ratio (CAR). Meanwhile, profit growth is measured based on the percentage increase in current year profit. This study uses a quantitative approach with a descriptive-associative method. The research population consists of all Islamic Commercial Banks registered with the Financial Services Authority (OJK) during the 2019–2023 period, from which a sample of 10 banks was obtained using purposive sampling. The data used are secondary data sourced from annual financial reports and bank GCG reports obtained through the official websites of the Financial Services Authority and each bank. The data analysis techniques include classical assumption tests, multiple linear regression, t-test, F-test, and coefficient of determination using IBM SPSS 26. The results show that partially, the Risk Profile variable has a positive and significant effect on profit growth, while Good Corporate Governance and Capital have a positive but insignificant effect. Simultaneously, the three variables have a positive and significant effect on profit growth. The limitations of this study lie in the exclusion of the Earning variable as part of the complete RGEC approach, as well as the data coverage being limited to only 10 banks and a five-year period. Future research is expected to include other variables and expand the number of samples and observation periods to obtain more comprehensive and generalizable results.Penelitian ini bertujuan untuk menganalisis pengaruh Risk Profile, Good Corporate Governance dan Capital terhadap Pertumbuhan Laba pada Bank Umum Syariah. Ketiga variabel independen tersebut merupakan bagian dari pendekatan penilaian tingkat kesehatan bank yang dikenal dengan metode RGEC, namun dalam penelitian ini tidak disertakan variabel Earning untuk menghindari duplikasi indikator yang berkaitan langsung dengan laba. Risk Profile diukur menggunakan rasio Non-Performing Financing (NPF), Good Corporate Governance diukur melalui rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Capital diukur menggunakan rasio Capital Adequacy Ratio (CAR). Sementara itu, pertumbuhan laba diukur berdasarkan persentase kenaikan laba tahun berjalan. Penelitian ini menggunakan pendekatan kuantitatif dengan metode deskriptif-asosiatif. Populasi penelitian adalah seluruh Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan selama periode 2019–2023, dan diperoleh sampel sebanyak 10 bank dengan teknik Purposive Sampling. Data yang digunakan merupakan data sekunder yang bersumber dari laporan keuangan tahunan dan laporan GCG bank yang diperoleh melalui situs resmi Otoritas Jasa Keuangan dan masing-masing bank. Teknik analisis data yang digunakan meliputi uji asumsi klasik, regresi linier berganda, uji t, uji F, dan koefisien determinasi menggunakan program IBM SPSS 26. Hasil penelitian menunjukkan bahwa secara parsial, variabel Risk Profile berpengaruh positif dan signifikan terhadap pertumbuhan laba, sedangkan Good Corporate Governance dan Capital berpengaruh positif namun tidak signifikan. Secara simultan, ketiga variabel berpengaruh positif dan signifikan terhadap pertumbuhan laba. Keterbatasan dalam penelitian ini adalah belum dimasukkannya variabel Earning sebagai bagian dari pendekatan RGEC secara utuh, serta cakupan data yang hanya terbatas pada 10 bank dan periode lima tahun. Penelitian selanjutnya diharapkan dapat menambahkan variabel lain serta memperluas jumlah sampel dan periode pengamatan untuk memperoleh hasil yang lebih menyeluruh dan generalisabel