IAIDA Blokagung (Institut Agama Islam Darussalam Banyuwang): E-Journals
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REPRESENTASI SUARA PEREMPUAN URBAN DALAM NOVEL HOME SWEET LOAN KARYA ALMIRA BASTARI : ANALISIS WACANA KRITIS MODEL SARA MILLS
No full textThis study aims to analyze the representation of urban women's voices in Almira Bastari's novel Home Sweet Loan through Sara Mills' critical discourse analysis approach. This study focuses on three main aspects of Mills' model, namely the position of the subject, the position of the object, and the position of the reader to reveal how power relations, gender stereotypes, and resistance are represented in the text. The method used is descriptive qualitative with discourse analysis techniques. The results show that women in this novel are portrayed as rational and critical subjects, especially in financial management and life decision-making, which simultaneously reverses the stereotype of women as consumptive figures. However, at the same time, women remain in a vulnerable position due to domestic pressures, demands for family obedience, and social expectations regarding marital status and the image of the ideal family. An interesting finding from this study is that patriarchal values are not only depicted through male characters, but also reproduced by female characters from previous generations. Through the reader's position, the text directs empathy towards female characters while encouraging readers to criticize of gender inequality in contemporary urban life
Manajemen Pembiayaan Berbasis Nilai Syariah Dan Kinerja Bank Syariah Tinjauan Literatur
No full textThis research aims to examine the concept of sharia values in sharia banking, its integration mechanisms in financing management, as well as the influence of sharia value-based financing management on the performance of sharia banks. The research approach used is qualitative with a literature review method of various national journals and relevant scientific proceedings. Data was collected through literature searches on scientific databases such as Google Scholar and accredited national journal portals, then analyzed using systematic content analysis techniques. The results of the study show that sharia values such as monotheism, justice, trust, transparency, benefit and balance are the fundamental basis for sharia bank operations and differentiate them from conventional banking. The integration of these values in financing management is realized through the use of sharia contracts, application of the precautionary principle, compliance with sharia fatwas, and orientation to sharia maqashid. Sharia value-based financing management has been proven to have a positive effect on the performance of sharia banks, both from the financial, operational, risk management and non-financial performance aspects from a sharia maqashid perspective. Thus, strengthening the integration of sharia values in financing management is a strategic factor in improving the performance and sustainability of sharia banks
Analisis Fiqh Muamalah Terhadap Penerapan Akad Musyarakah Mutanaqisah Dalam Pembiayaan Rumah Di Perbankan Syariah
No full textThis study aims to analyze the implementation of the Musyarakah Mutanaqishah (MMQ) contract in home financing products of Islamic banking institutions from the perspective of fiqh muamalah. Musyarakah Mutanaqishah represents an innovative Islamic financing scheme that combines partnership principles with gradual transfer of ownership, designed to avoid interest-based transactions in housing finance. This research employs a qualitative method with a normative and conceptual approach by examining classical and contemporary fiqh muamalah literature, the fatwas issued by the National Sharia Council of the Indonesian Ulama Council (DSN-MUI), and relevant regulatory frameworks. The findings indicate that normatively, the Musyarakah Mutanaqishah contract fulfills the essential pillars and conditions of a valid Islamic contract and is legally supported by DSN-MUI Fatwa No. 73/DSN-MUI/XI/2008. The mechanism of joint ownership, payment of ujrah for asset utilization, and gradual transfer of ownership reflects the principles of justice and mutual benefit emphasized in Islamic law. However, practical implementation reveals several challenges, including the potential imbalance of risk allocation and deviations from the ideal partnership model. Therefore, strengthening substantive compliance in the application of Musyarakah Mutanaqishah is essential to ensure alignment with the principles of fiqh muamalah and the objectives of maqashid al-shariah
KONSELING TRAUMATIK DALAM MENGHADAPI BENCANA ALAM
No full textIndonesia juga memiliki potensi bencana yang sifatnya hiderometorologi seperti banjir dan longsor. Perubahan iklim yang ekstrim, curah hujan tinggi, serta terjadinya degradasi lingkungan menjadikan Indonesia memiliki potensi bencana tersebut. Sebagaimana dilansir media online, di penghujung tahun 2025, Desember lalu banjir bandang melanda saudara kita di Sumatera dan Aceh. Ribuan korban jiwa meninggal dunia, dan ratusan jiwa korban hilang belum ditemukan. Bahkan ratusan rumah tempat hunian mereka tinggal rata dengan tanah. Bencana alam tidak hanya kerusakan secara fisik, tetapi juga meniggalkan luka mendalam bagi korban. Penetian ini berusaha untuk menguraikan betapa pentingnya konseling traumatik dalam menghadapi bencana, dampak bencana alam terhadap psikologis korban, dan proses layanan konseling traumatic dalam menghadapi bencana alam. Metode penelitian yang digunakan peneliti adalah bentuk kualitatif. Metodenya menggunakan kajian literatur sebagai teknik pengambilan data. Teknik pengambilan data sendiri berorientasi pada pendekatan pengambilan data yang tidak lain adalah kajian pustaka. Hasil penelitian menunjukkan dampak bencana alam merupakan salah satu musibah yang tidak hanya merusak tatatanan infrastruktur secara fisik, melainkan juga merusak tatanan kejiwaan seseorang yang bersifak psikis. Bencana alam adalah ancaman global bagi keberlangsungan hidup. Ia tidak hanya merusak bangunan, tetapi sekaligus meninggalkan luka mendalam pada individu dan masyarakat. Hadirnya konselor dalam pada situasi dan kondisi ini sangat dibutuhkan karena sangat membantu dalam proses pemulihan korban terdampak bencana. Korban yang mengalami trauma tentu hidupnya tidak terasa nyaman- hidupnya tidak bermakna. Bahkan tidak dapat berpikir rasional atas peristiwa yang menimpa. Bantuan orang lain yang kompeten seperti konselor sangat dibutuhkan untuk membantu korban keluar dari zona traumatis ke zona nyaman- tenang dan damai sebagaimana mereka rasakan sebelum terjadinya bencana
BRANDING MUKENA YABASMAH MELALUI MEDIA SOSIAL TIKTOK (STUDI ANALISIS KUALITATIF AKUN @YABASMAH.BWI)
No full text@Yabasmah.Bwi in promoting the Yabasmah mukena product. In today‘s digital era, social media—particularly TikTok—has become an effective platform for introducing products, building brand image, and engaging with a wider audience in a creative and interactive manner. Yabasmah mukena, as a religious fashion product for Muslim women, utilizes this platform to strengthen its brand identity and increase consumer interest as well as attract potential resellers.
This study uses a descriptive qualitative approach with data collected through observation, in-depth interviews, and documentation. The research subjects include the head of the Yabasmah Banyuwangi agency, social media admins, and both online and offline consumers. Data were analyzed through data reduction, data display, and conclusion drawing.
The findings reveal that the branding strategy on TikTok includes the use of creative content, live streaming sessions, and various engaging features aligned with audience trends. Content that highlights product uniqueness, customer testimonials, and communicative delivery helps boost brand awareness and audience engagement. Branding via TikTok has also proven effective in attracting new resellers and expanding the market reach of the Yabasmah mukena.
This research concludes that TikTok as a branding platform significantly contributes to shaping a positive brand image and expanding product distribution for Yabasmah mukena amid the competitive Muslim fashion industry
Reframing Inclusive Education through Collaboration: Meeting the Needs of Diverse Learners
No full textInclusive education is increasingly recognized as a global imperative, yet in many low- and middle-income countries such as Nigeria, progress has been constrained by persistent systemic barriers. The purpose of this study is to reframe inclusive education in Nigeria through collaboration, positioning it as the central mechanism for bridging the gap between policy aspirations and classroom realities. Specifically, the research aims to identify systemic barriers, develop a theoretical framework for collaboration, and propose a conceptual framework for multi-level implementation. A qualitative, conceptual research design was employed, drawing on a systematic review of peer-reviewed literature, policy documents, and credible gray sources. The analysis was guided by Constructivist Learning Theory, the Social Model of Disability, and Universal Design for Learning, and findings were synthesised through thematicic analysis. Findings indicate that exclusion emerges from the interplay of fragmented governance, infrastructure neglect, limited pedagogical capacity, and entrenched cultural stigma. The study argues that collaboration across ministries, schoolss, families, and communities is not optional but essential, and it proposes five domains of collaborative strategies supported by a multi-level implementation pathway. The conclusion drawn is that collaboration across ministries, schools, families, and civil society is not peripheral but essential. The study's main contribution lies in proposing an integrated framework of five collaborative strategies and a multi-level pathway that can guide both policy and practice. By advancing collaboration as the organizing principle of inclusion, the research offers a roadmap for systemic, sustainable reform
Dampak Prophetic Leadership Kiai Terhadap Pembentukan Grit dan Agency Santri: Model Manajemen Pendidikan Berbasis Keunggulan Karakter
No full textPenelitian ini bertujuan untuk menganalisis secara mendalam model Manajemen Pendidikan Berbasis Keunggulan Karakter di pesantren melalui lensa Kepemimpinan Profetik (Prophetic Leadership) Kiai serta menguji dampaknya terhadap pembentukan ketahanan diri (Grit) dan daya dorong pribadi (Agency) pada diri santri. Berbeda dari studi kepemimpinan konvensional, penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus, melibatkan observasi partisipatif, wawancara mendalam dengan Kiai, jajaran pengelola, dan santri teladan, serta analisis dokumen kurikulum. Hasil penelitian menunjukkan bahwa Pesantren Darussalam Blokagung berhasil secara efektif menerapkan model Manajemen Pendidikan Berbasis Keunggulan Karakter melalui Kepemimpinan Profetik Kiai sebagai fondasi moral, kurikulum Adabullah wa Adabun N?s menanamkan keseimbangan spiritual-sosial, program Riyadhah dan Mujahadah melatih ketahanan, model Syu‘ra membangun agency santri, serta manajemen suksesi ikhlas menjamin keberlanjutan nilai pesantren. Kontribusi teoretis penelitian ini terletak pada pengembangan kerangka Prophetic-Grit-Agency (PGA) Model dalam manajemen pendidikan Islam, memberikan wawasan baru bagi lembaga pendidikan dalam mengintegrasikan nilai-nilai spiritual tradisional dengan konstruksi psikologi positif modern, sehingga menghasilkan lulusan yang tidak hanya berintelektual dan berakhlak, tetapi juga memiliki daya saing global dan ketahanan hidup yang tinggi. Penelitian ini merekomendasikan replikasi model PGA sebagai standar baru dalam pengelolaan pendidikan karakter kontemporer
Peran Manajemen Syariah Dalam Meningkatkan Kinerja Bank Syariah Di Era Digital
No full textDigital transformation has become inevitable for the banking industry, including Islamic banking. The development of digital technology presents both opportunities and challenges for Islamic banks in improving operational performance without neglecting compliance with Islamic principles. This study aims to examine the role of Islamic management in supporting the development of digital products and services and its impact on the performance of Islamic banks in the digital era. The research method used is a literature study by analyzing various scientific sources such as journals, academic articles, and official reports related to digitalization and Islamic banking. The results show that the implementation of digital technology has a positive impact on the performance of Islamic banks, particularly in improving operational cost efficiency, service quality to customers, and expanding financial inclusion. Islamic management plays a strategic role in ensuring that developed digital innovations remain in line with Islamic principles, such as the prohibition of riba (usury), gharar (gharar), and maisir (gambling). However, this study also found obstacles in the digitalization process, including regulations that are not fully adaptive to technological developments and low digital literacy among customers and human resources in Islamic banks. Therefore, this study recommends strengthening the role of sharia management in digitalization supervision, improving human resource competency, and closer collaboration between sharia banks and regulators to realize sustainable digital transformation in accordance with sharia principles
Analisis Pengaruh Tingkat Bagi Hasil, Capital Adequacy Ratio (CAR), Dan Dana Pihak Ketiga Terhadap Pertumbuhan Deposito Mudharabah Pada Bank Muamalat Indonesia Periode 2015-2024
No full textThis study aims to analyze the impact of the Profit-Sharing Rate, Capital Adequacy Ratio (CAR), and Third-Party Funds (DPK) on the growth of mudharabah deposits at Bank Muamalat Indonesia. The ARDL-ECM method is applied within this quantitative research to explore the inter-variable relationships more deeply. Through this framework, the study identifies both temporary short-term correlations and stable long-term relationships. The results indicate that, simultaneously, all three variables significantly influence the growth of mudharabah deposits. Partially, in the long run, all variables show a positive and significant effect, whereas in the short run, only DPK remains significant. These findings suggest that profit-sharing stability and capital strength play a crucial role in driving sustainable deposit growth, while short-term dynamics are more heavily influenced by fund-raising intensity. The novelty of this research lies in the use of the ARDL-ECM approach to detect differences in Sharia customer behavior toward banking indicators across two distinct timeframe
Akad Ijarah Dalam Pembiayaan Pegadaian Syariah: Analisis Terhadap Fatwa Dsn-Mui No. 25/DSN-MUI/III/2002
No full textThis study examines the implementation of ijarah contracts in sharia pawn financing by referring to the provisions of DSN-MUI Fatwa No. 25/DSN-MUI/III/2002 on rahn. Normatively, the fatwa stipulates that ijarah fees for maintenance and storage of collateral may not be determined based on the amount of financing provided. However, in practice, sharia pawn institutions often apply ijarah tariffs that vary according to the size of the loan, raising questions regarding their compliance with sharia principles. This research employs a normative juridical method with statutory and conceptual approaches, using DSN-MUI fatwas and relevant legal literature as primary and secondary legal materials. The findings indicate that the determination of ijarah fees in sharia pawn financing is still linked to the amount of financing disbursed, rather than to the actual cost of storage and maintenance of the collateral. Consequently, such practices are not fully aligned with the normative provisions of sharia law as regulated by DSN-MUI. This study contributes to the development of sharia economic law by providing a normative evaluation of ijarah implementation in contemporary sharia pawn practices and offering a basis for regulatory and institutional improvements