Rumah Jurnal Institut Agama Islam Negeri (IAIN) Bone
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Efektivitas Penegakan Hukum Persaingan dalam Kelangkaan BBM: Peran KPPU dan Regulasi Impor Satu Pintu
No full textThe limited supply of Fuel Oil (BBM) often has wide-ranging effects on the economy, including transportation, production costs, and price stability. To ensure fuel availability, the government implemented a single-window import policy as stipulated in the Ministry of Energy and Mineral Resources Circular Letter No. T-19/MG.05/WM.M/2025. However, this policy has the potential to create monopolistic practices, as imports must be conducted through PT Pertamina as the sole distributor. This study aims to analyze the effectiveness of competition law enforcement in the context of BBM scarcity, focusing on the role of the Business Competition Supervisory Commission (KPPU) and the single-window import policy. The research employs a normative juridical method using a statutory and conceptual approach, analyzing relevant legal frameworks, the theory of legal effectiveness, and the principles of fair business competition. The results show that while the single-window import policy enhances distribution efficiency and government oversight, it also risks reinforcing Pertamina’s dominance and limiting private sector participation. In conclusion, stronger coordination between KPPU and policymakers is required to ensure that BBM import regulations align with fair competition principles while maintaining national energy security in an equitable and sustainable manner
THE ROLE OF GREEN ECONOMY AS A DRIVER OF SUSTAINABLE BUSINESS
No full textThis study aims to examine the application of the green economy concept within the framework of sustainable business in Indonesia, focusing on the integration of economic, social, and environmental sustainability principles. It explores how the green economy can serve as a strategic foundation for ethical, inclusive, and environmentally responsible business transformation aligned with sustainable development goals. This study employs a literature review method by analyzing a wide range of academic sources, government policies, and international frameworks related to the green economy and sustainable business practices. Findings reveal that implementing green economy principles contributes to economic growth, while embedding ethical values, social responsibility, and resource efficiency as core foundations of modern business practices. Such integration enhances corporate competitiveness, strengthens reputation, and promotes social welfare through green innovation and sustainable employment creation. Furthermore, Islamic ethics reinforce these practices by promoting fairness, stewardship, and accountability in business operations. The study concludes that the green economy provides a strategic pathway for ethical and sustainable business transformation in Indonesia. Integrating Islamic ethical and spiritual values bridges theory and practice, fostering balanced economic growth, environmental preservation, and social welfare aligned with the triple bottom line of profit, planet, and people
LOCAL WISDOM AS A FOUNDATION OF JUSTICE: EXAMINING POLYGAMY WITHIN ISLAMIC LAW IN SOUTH SULAWESI
No full textIn South Sulawesi, justice in polygamy is not merely a matter of law—it is a living dialogue between divine principles and ancestral wisdom. This study explores how local wisdom, particularly the adat system, serves as a foundational pillar of justice in the practice of polygamy under Islamic law. Employing a qualitative methodology, the research draws on interviews and document analysis involving religious leaders, community elders and affected families. The findings reveal that while Islamic law provides the formal legal framework, local customs deeply influence its interpretation and implementation. Adat norms ensure that polygamy is practiced with fairness, emphasizing the equitable treatment of wives, fulfillment of economic responsibilities and preservation of familial harmony. These traditions act as a moral compass, guiding the community to uphold justice in ways that resonate with their social values. Rather than conflicting with Islamic principles, local wisdom complements them—creating a hybrid system that is both legally sound and culturally sensitive. The study concludes that integrating local wisdom into formal legal structures can enhance the contextual relevance and social legitimacy of family law. It recommends a pluralistic approach to justice that honors both religious doctrine and indigenous knowledge, fostering a more humane and balanced legal practice
DIGITALISASI MOBILE BANKING BSI DI ERA DIGITAL : STRATEGI, TANTANGAN, DAN PELUANG
No full textThis study aims to analyze the digitalization strategies of mobile banking services implemented by Bank Syariah Indonesia (BSI) and to identify the challenges and opportunities arising from the digital transformation process grounded in Sharia principles. This research employs a qualitative method with a literature review approach, drawing from scholarly journals, reputable articles, and official documents from relevant financial institutions. The findings reveal that BSI adopts three primary strategies in its digitalization efforts: (1) post-merger technology integration, (2) service innovation through the BSI Mobile application, and (3) internal business process transformation. However, several challenges persist, including low levels of digital literacy among the population, limited infrastructure in frontier, outermost, and underdeveloped (3T) regions, competition with conventional digital banks, and the need to ensure Sharia compliance in technological features. On the other hand, BSI holds strategic opportunities to enhance financial inclusion, target the millennial demographic, and actively contribute to the development of a halal digital economic ecosystem through the innovation of Sharia-compliant financial products. With proper management, this digital transformation has the potential to position BSI as a pioneering, adaptive, competitive, and sustainable digital Islamic bank.Penelitian ini bertujuan untuk menganalisis strategi digitalisasi layanan mobile banking oleh Bank Syariah Indonesia (BSI), serta mengidentifikasi tantangan dan peluang yang muncul dalam proses transformasi digital berbasis nilai-nilai syariah. Penelitian ini menggunakan metode kualitatif dengan pendekatan literatur review, yang bersumber dari jurnal ilmiah, artikel terpercaya, dan dokumen resmi lembaga keuangan terkait. Temuan penelitian menunjukkan bahwa BSI menerapkan tiga strategi utama dalam layanan digitalisasi: (1) integrasi teknologi pascamerger, (2) inovasi layanan berbasis aplikasi BSI Mobile, dan (3) transformasi proses bisnis internal. Meski demikian, terdapat sejumlah tantangan seperti rendahnya literasi masyarakat digital, terbatasnya infrastruktur di wilayah 3T, persaingan dengan bank digital konvensional, serta perlunya kepatuhan terhadap prinsip syariah dalam fitur teknologi. Di sisi lain, BSI memiliki peluang strategi untuk memperluas keuangan inklusif, menyasar generasi milenial, dan berperan aktif dalam memperkuat ekosistem ekonomi digital halal melalui pengembangan produk-produk keuangan syariah yang inovatif. Dengan pengelolaan yang tepat, digitalisasi ini berpotensi menjadikan BSI sebagai pelopor bank syariah digital yang adaptif, kompetitif, dan berkelanjutan
MODEL PEMANFAATAN DANA ZAKAT UNTUK PENGEMBANGAN START-UP HALAL BERBASIS EKONOMI KREATIF DI INDONESIA
No full textThis study discusses the potential, role, and conceptual model of utilizing productive zakat funds integrated with creative economy principles as a strategy for empowering the economy of the Muslim community. Zakat not only functions as a social distribution instrument but also has great potential to promote economic independence through strengthening the creative sector and halal start-ups. Zakat institutions act as facilitators and catalysts in connecting zakat funds with creative entrepreneurs through financing, training, and sharia-based mentoring. The main challenges lie in managerial aspects, inter-institutional collaboration, and the digital literacy of mustahik (zakat recipients). This study uses a qualitative-descriptive approach with a conceptual research design based on library research. This study offers a conceptual model of “Creative Baznas Hub” based on four main pillars, namely innovation, collaboration, empowerment, and sustainability. This model aims to create a synergistic ecosystem between zakat institutions, the government, and the creative industry to produce sustainable socio-economic impacts. The results of the study show that the integration of zakat with the creative economy can strengthen the sharia economy, expand employment opportunities, and support the achievement of sustainable development goals (SDGs).
Penelitian ini membahas potensi, peran, dan model konseptual pemanfaatan dana zakat produktif yang terintegrasi dengan prinsip ekonomi kreatif sebagai strategi pemberdayaan ekonomi umat. Zakat tidak hanya berfungsi sebagai instrumen distribusi sosial, tetapi juga memiliki potensi besar untuk mendorong kemandirian ekonomi melalui penguatan sektor kreatif dan start-up halal. Lembaga amil zakat berperan sebagai fasilitator dan katalisator dalam menghubungkan dana zakat dengan pelaku usaha kreatif melalui pembiayaan, pelatihan, serta pendampingan berbasis nilai syariah. Tantangan utama terletak pada aspek manajerial, kolaborasi antarlembaga, dan literasi digital mustahik. Penelitian ini menggunakan pendekatan kualitatif-deskriptif dengan desain konseptual (conceptual research) berbasis studi pustaka (library research). Penelitian ini menawarkan model konseptual “Creative Baznas Hub” yang berlandaskan empat pilar utama, yaitu inovasi, kolaborasi, pemberdayaan, dan keberlanjutan. Model ini bertujuan menciptakan ekosistem sinergis antara lembaga zakat, pemerintah, dan industri kreatif untuk menghasilkan dampak sosial-ekonomi yang berkelanjutan. Hasil penelitian menunjukkan bahwa integrasi zakat dengan ekonomi kreatif dapat memperkuat ekonomi syariah, memperluas lapangan kerja, serta mendukung pencapaian tujuan pembangunan berkelanjutan (SDGs).
 
ANALYSIS OF THE INFLUENCE OF CUSTOMER TRUST AND THE QUALITY OF SHARIA FINANCIAL PRODUCTS ON CUSTOMER SATISFACTION : (CASE STUDY OF BSI KCP. (JATIBARANG)
No full textThis study aims to determine the influence of transparency and the use of information technology on the quality of financial reports, as well as the role of HR competency as a moderating variable. This study was conducted at the Zakat Management Organization in Makassar City. The study used a quantitative approach with a causal comparative method. Data were collected through questionnaires from 32 respondents selected using purposive sampling techniques. Data analysis was carried out using multiple linear regression and the Moderated Regression Analysis (MRA) test using the absolute difference value approach. The results of the study indicate that transparency and utilization of information technology have a positive and significant effect on the quality of financial reports, HR competency moderates the effect of transparency on the quality of financial reports, and HR competency does not moderate the effect between the utilization of information technology on the quality of financial reports. The implications of this study underline the importance of transparency and utilization of information technology in improving the quality of financial reports so that it can increase public trust in zakat management organizations
Teknik Acceptance and Commitment Therapy (ACT): Sebuah Pendekatan Baru untuk Mengatasi Kecemasan Sosial pada Remaja
No full textAcceptance and Commitment Therapy (ACT) merupakan pendekatan psikoterapi berbasis mindfulness yang bertujuan meningkatkan fleksibilitas psikologis. Penelitian ini bertujuan menguji efektivitas ACT dalam menurunkan kecemasan sosial pada remaja. Penelitian menggunakan desain kuasi-eksperimen dengan pretest-posttest control group design terhadap 60 remaja. Hasil menunjukkan bahwa ACT efektif menurunkan kecemasan sosial secara signifikan
From Judicial Restraint to Judicial Activism: A Comparison of Decisions Number 30-74/PUU-XII/2014 and 22/PUU-XV/2017
No full textIn the case review of decision Number 30-74/PUU-XII/2014 and 22/PUU-XV/2017, the Constitutional Court experienced a shift from judicial restraint to judicial activism. The object of the case being tested was Article 7, paragraph (1) of the Marriage Law relating to the age limit for marriage. Article 7, paragraph 7 (1) of the Marriage Law is an open legal policy. In practice, the Constitutional Court applies the principle of judicial restraint as stated in the decision 30-74/PUU-XII/2014. This is different from decision 22/PUU-XV/2017. This essay formulates the shift in the Constitutional Court's stance from judicial restraint to judicial activism. The change in the Constitutional Court's stance opens up important questions regarding the consistency and limits of its authority in a state of law and living constitution in the Constitutional Court's decisions. This research uses a regulatory approach (statute approach) and a conceptual approach (conceptual approach). The results of this study are the differences in legal considerations in decisions 30-74/PUU-XII/2014 and 22/PUU-XV/2017. These differences arise in legal considerations and verdicts. Second, the shift of the Constitutional Court from judicial restraint to judicial activism is marked by differences in viewing the testing of open legal policies, the form of progressiveness of the Constitutional Court, and judicial activism in enforcing justice in a limited manner. Third, the living constitution theory requires the Constitutional Court to re-interpret the Constitutional Court's powers within the Constitution. This interpretation must be in line with the legal needs of society, particularly in the context of the age limit for marriage
The Role of the Penghulu in Reproductive and Sexual Health Education for Prospective Brides and Grooms in Tanete Riattang Timur District from an Islamic Family Law Perspective
No full textThis study was motivated by the suboptimal delivery of reproductive and sexual health material in premarital counseling at the Tanete Riattang Timur District KUA, even though the lack of understanding among prospective brides and grooms often contributes to domestic conflicts and divorce. The main questions of this study are what role the penghulu (religious official) plays in reproductive and sexual health education for prospective brides and grooms and how this role is analyzed from the perspective of Islamic Family Law. This study uses a qualitative method with a field research design through a normative juridical, empirical juridical, normative theological, and legal sociological approach. Data were collected through observation, interviews, and documentation, then analyzed descriptively and qualitatively through data reduction, data presentation, and conclusion drawing. The results show that the penghulu has carried out an educational function through marriage guidance, counseling, and facilitation of cross-sector cooperation, but the delivery of reproductive and sexual health material is still limited due to constraints in competence, time, and technical support. Analysis using the maqāṣid al-syarī‘ah theory confirms that the role of the penghulu is in line with efforts to protect life, offspring, and religion, so that this education has a strategic role in ensuring the physical and mental readiness of prospective brides and grooms and preventing domestic disharmony
PENGARUH KECERDASAN EMOSIONAL, MOTIVASI BERPRESTASI DAN METODE PEMBELAJARAN TERHADAP PRESTASI BELAJAR SDN 315 GRESIK
No full textPenelitian ini bertujuan untuk mengetahui pengaruh kecerdasan emosional, motivasi berprestasi dan metode pembelajaran terhadap prestasi belajar siswa di SDN 315 Gresik. Dengan total 92 responden yang dipilih secara acak, data dikumpulkan untuk menganalisis dampak ketiga faktor tersebut terhadap prestasi akademik siswa. Sampel penelitian ditargetkan pada siswa kelas V dan kelas VI yang berjumlah 38 siswa. Penelitian ini menggunakan tiga variabel independen terhadap satu variabel dependen. Data penelitian akan diuji menggunakan regresi linier berganda yang sebelumnya telah diuji menggunakan uji validitas, uji reliabilitas, dan uji asumsi klasik. Hasil penelitian ketiga variabel menunjukkan hasil yang signifikan terhadap prestasi belajar siswa SDN 315 Gresik. Pertama, kecerdasan emosional yang meliputi pemahaman diri, pengelolaan emosi, motivasi diri, empati dan keterampilan sosial diuji untuk melihat bagaimana faktor-faktor tersebut dapat mempengaruhi prestasi belajar siswa. Kedua, motivasi berprestasi dievaluasi untuk menentukan sejauh mana motivasi tersebut dapat menjadi prediktor penting prestasi akademik. Dan ketiga, metode pembelajaran memainkan peran penting dalam membentuk pemahaman yang akan mencapai prestasi belajar siswa khususnya siswa SDN 315 Gresik