OJS INSTITUT AGAMA ISLAM SULTAN MUHAMMAD SYAFIUDDIN SAMBAS
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Rethinking Legal Validity and Contractual Structures of Shariah-Compliant Credit Cards: A Study on DSN-MUI Fatwa
Get PDFThe rapid evolution of Islamic financial products has raised critical questions about the legal validity and practical enforceability of Sharia credit cards within Indonesia’s dual legal system. This study seeks to rethink the legal validity of Sharia credit cards by moving beyond the fiqh-based legitimacy of Fatwa No. 54/DSN-MUI/X/2006 to examine their implementation under Indonesia’s positive law, regulatory oversight, and the objectives of maqāṣid al-sharī‘ah. Employing a qualitative legal content analysis, the research identifies six potentially relevant contracts kafālah, wakālah, ḥawālah, murābaḥah, qardh, and ijārah and critically assesses why the DSN-MUI ultimately operationalized only three: qardh, kafālah, and ijārah. The study argues that this tri-contract structure provides normative coherence but remains legally contingent on its harmonization with the Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI) regulations governing multi-contract products. Findings reveal that while the fatwa aligns with maqāṣid al-sharī‘ah protecting wealth (ḥifẓ al-māl) and promoting justice (‘adl) by eliminating riba its enforceability under civil contract law, particularly regarding ta‘wīḍ (compensation) and gharāmah (late penalty), remains ambiguous. Comparative insights from Malaysia and the Middle East underscore the need for a regulatory framework that integrates fatwa-based legality within codified financial law. Consequently, this “rethinking” offers a new analytical framework normative, structural, and positive legal validity to bridge the gap between Sharī‘ah doctrine and enforceable Islamic financial governance in Indonesia
Sistem Pembagian Harta Waris di Indonesia berdasarkan Hukum Islam dan Hukum Adat
Get PDFIndonesia, as a country that embraces legal pluralism, possesses diverse systems in the distribution of inheritance, namely Islamic inheritance law and customary inheritance law. This study aims to comparatively analyze the principles and mechanisms of inheritance distribution based on both systems using a normative juridical approach and descriptive-qualitative analysis method. The findings show that Islamic inheritance law is codified and normative, with fixed shares determined by syar’i sources such as the Qur’an and Hadith. In contrast, customary inheritance law is flexible and contextual, adjusted to social structures and kinship systems such as patrilineal (Batak), matrilineal (Minangkabau), and bilateral (Javanese, Buginese). The theory of legal pluralism is used to explain how Indonesian society integrates religious values, local customs, and communal justice in inheritance practices. The analysis also indicates that integrating these two legal systems can produce a more socially responsive model of inheritance distribution. This study recommends more explicit legal recognition of customary law within the national legal system and opens the possibility for a hybrid legal approach that accommodates substantive justice, deliberation (musyawarah), and public benefit (maslahah). Thus, legal pluralism should not be seen as a barrier to justice but rather as a foundation for reconstructing a more adaptive and contextual inheritance law system in Indonesia
ANALISIS PENDAPATAN PETANI KARET DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT DESA TEMPAPAN HULU KECAMATAN GALING PERSPEKTIF EKONOMI ISLAM
Get PDFThe development of the agricultural sector is directed at increasing the productivity of agricultural products to meet the food needs of the people and the needs of the domestic industry, increase exports, increase farmer incomes, expand employment opportunities and encourage business opportunities. In Galing District, most of the people's livelihoods are farming, planting plantation commodities such as rubber. Technically the commodities in Galing District are very supportive, there is still a lot of unused critical land which is a potential for plantation development in the future. One of them is that in Tempapan Hulu Village almost every household in Tempapan Hulu Village works as a rubber farmer. Even though Tempapan Hulu Village is one of the rubber-producing villages in Galing District, the reality shows that not all rubber farming communities live in better conditions and with the same land area but there are different levels of income generated by rubber farmers.
This research is a field research with primary data and secondary data. Collecting data in this study using the method of observation, interviews. The analytical method used is a qualitative analysis method.
The results of this study indicate that the income level of the community in Tempapan Hulu Village is still relatively low because the income of the people who still do not meet the UMK standards of Sambas Regency, the income of the rubber farming community is only around 1-2 million due to low rubber prices and also the rubber farmer's income depends on the weather . For the welfare of the community in Tempapan Hulu Village it is also still relatively low because the income from rubber products has not been able to fully meet the needs of the community and also the education of the community is still low due to damaged road access and also schools that are not provided in the village while for welfare in an economic perspective Islamic society belongs to the perspective of Islamic economics because the community carries out it responsibly and involves Allah in the work and also they perform the dawn prayer first before tapping rubber and in buying fertilizer the community has paid in cash not in debt
Corporate Social Responsibility (CSR) and Profitability Through Bibliometric Analysis
Get PDFThis study analyzes the development of research on Corporate Social Responsibility (CSR) and profitability conducted by Indonesian scholars during the 2010–2025 period using a bibliometric analysis approach based on Scopus data. A total of 84 articles were examined to identify publication trends, author productivity, and main research themes. The results indicate a significant increase in publications since 2016, peaking in 2020. The most influential authors include Maya Novitasari, Ardi Gunardi, and Veronica Siregar. The dominant research themes focus on the relationship between CSR and profitability, corporate governance, and sustainability. This study confirms that CSR is viewed not merely as a moral obligation but as a sustainable business strategy. However, research collaboration among Indonesian authors remains limited and should be expanded to strengthen Indonesia’s academic contribution to global CSR literature
Penguatan Kapasitas UMKM Dodol Al Arabi Samarinda melalui Digitalisasi Bisnis dan Optimalisasi Manajemen Keuangan
Get PDFMicro, Small, and Medium Enterprises (MSMEs) play a strategic role in supporting the Indonesian economy; however, they continue to face fundamental challenges, particularly in financial management and digital marketing strategies. These issues are also encountered by the partner of this community engagement program, Dodol Al Arabi in Samarinda City, which has been operating conventionally without systematic financial recording, a written business plan, or digital-based promotional strategies. This program aims to strengthen the business capacity of the partner through the improvement of financial management and the optimization of digital marketing. The methods applied include socialization, training, workshops, individual mentoring, and evaluation. The interventions cover the implementation of a basic bookkeeping system, the development of a written business plan based on the Business Model Canvas (BMC), and assistance in utilizing digital media for product promotion. The results indicate that the partner is now able to conduct financial recording in a more systematic manner, calculate the Cost of Goods Sold (COGS), and design a more structured business plan. In addition, the partner has begun to utilize social media platforms for product promotion, although further mentoring is required to ensure consistency and professionalism. Overall, this program provides tangible contributions to strengthening the managerial and marketing capacity of the partner while potentially generating broader socio-economic impacts, such as the creation of new job opportunities, the reinforcement of local supply chains, and the preservation of Samarinda’s traditional culinary heritage. This program also offers novelty by integrating financial management strategies and digital marketing into real implementation at the micro-business level based on local products
STRATEGI BISNIS DALAM MENINGKATKAN PENDAPATAN PENGRAJIN BAMBU DI DESA PIANTUS KECAMATAN SEJANGKUNG
Get PDFPenelitian ini bertujuan untuk menganalisis strategi bisnis yang diterapkan oleh pengrajin bambu di Desa Piantus, Kecamatan Sejangkung, dalam meningkatkan pendapatan mereka serta mengidentifikasi faktor-faktor yang mendukung dan menghambat usaha kerajinan bambu di desa tersebut. Pendekatan yang digunakan dalam penelitian ini adalah kualitatif dengan metode deskriptif, di mana data dikumpulkan melalui observasi, wawancara mendalam, dan dokumentasi. Hasil penelitian menunjukkan bahwa pengrajin bambu di Desa Piantus mengimplementasikan strategi produk, harga, promosi, dan distribusi yang meliputi inovasi desain produk, penetapan harga yang kompetitif, serta promosi melalui media sosial. Faktor pendukung utama adalah ketersediaan bahan baku bambu yang melimpah dan motivasi pengrajin, sementara faktor penghambat utama adalah keterbatasan modal, keterbatasan keterampilan dalam desain dan teknik produksi, serta terbatasnya akses ke pasar yang lebih luas. Implikasi penelitian ini menunjukkan bahwa untuk meningkatkan pendapatan pengrajin bambu, diperlukan pelatihan keterampilan desain dan teknik produksi, akses ke modal yang lebih mudah, serta pelatihan dalam pemasaran digital untuk memperluas distribusi produk, baik di pasar domestik maupun internasiona
MELATIH KEMAMPUAN MEMBACA AL-QUR’AN SISWA KELAS VI MELALUI KEGIATAN EKSTRAKURIKULER TAMAN PENDIDIKAN AL-QUR’AN DI MADRASAH IBTIDAIYAH SWASTA NURUL HIKMAH SEKURA TAHUN PELAJARAN 2024-2025
Get PDFPenelitian ini membahas tentang melatih kemampuan membaca Al-Qur’an siswa kelas VI melalui kegiatan ekstrakurikuler TPQ di MIS Nurul Hikmah Sekura tahun pelajaran 2024-2025. Penelitian memiliki 2 tujuan yaitu: 1) Upaya guru dalam melatih kemampuan membaca Al-Qur’an siswa kelas VI melalui kegiatan ekstrakurikuler TPQ di MIS Nurul Hikmah Sekura tahun pelajaran 2024-2025. 2) Faktor yang mempengaruhi kemampuan membaca Al-Qur’an siswa kelas VI di MIS Nurul Hikmah Sekura tahun pelajaran 2024-2025. Penelitian ini menggunakan pendekatan kualitatif dan jenis penelitian fenomenologi. Teknik pengumpulan data menggunakan wawancara, observasi, dan dokumentasi. Teknik analisis data menggunakan pengumpulan data, reduksi data, display data, dan penarikan kesimpulan. Adapun teknik pemeriksaan keabsahan data menggunakan triangulasi dan member check. Hasil penelitian menunjukan bahwa: 1) Upaya guru dalam melatih kemampuan membaca Al-Qur’an siswa kelas VI melalui kegiatan ekstrakurikuler TPQ yaitu: a) Pahami karakteristik anak, dengan mengetahui karakteristik siswa, guru juga dapat dengan mudah menentukan metode yang akan digunakan pada saat pembelajaran. Cara untuk mengetahui karakteristik pada siswa bisa dengan guru mengamati perlaku siswa. b) Ciptakan suasana pembelajaran yang inovatif, guru dapat menggunakan metode yang tepat seperti belajar sambil bermain c) Lejitkan potensi anak, dengan cara pemberian motivasi, pemberian pujian, pemberian dukungan kepada siswa d) Jadilah pendidik teladan, dengan memberikan contoh yang baik kepada siswa. 2) Faktor yang mempengaruhi kemampuan membaca Al-Qur’an siswa kelas VI yaitu: a) Aspek fisiologis, seperti sakit yang dapat menggangu pembelajaran b) Aspek psikologis, minat dan kecerdasan. c) Faktor lingkungan, seperti keluarga karna keluarga merupakan orang terdekat siswa. d) Faktor masyarakat, masyarakat menyediakan wadah untuk anak-anak belajar Al-Qur’an. e) Faktor guru, guru sebagai tenaga pengajar yang bertugas mengajari dan mendidik siswa di sekola
STRATEGI GURU KELAS DALAM MENANAMKAN SIKAP RELIGIUS MELALUI SHOLAT DHUHA PADA SISWA KELAS IIA DI SDN 08 KARTIASA TAHUN PELAJARAN 2024-2025
Get PDFPenelitian ini berawal dari ditemukannya fenomena tentang pelaksanaan sholat dhuha yang diterapkan oleh guru kelas IIA di SDN 08 Kartiasa. Tujuan Penelitian ini adalah untuk mendeskripsikan tentang: (1) perencanaan guru kelas dalam menanamkan sikap religius melalui sholat dhuha pada siswa kelas IIA di SDN 08 Kartiasa Tahun Pelajaran 2024-2025. (2) pelaksanaan guru kelas dalam menanamkan sikap religius melalui sholat dhuha pada siswa kelas IIA di SDN 08 Kartiasa Tahun Pelajaran 2024-2025. (3) bentuk evaluasi guru kelas dalam menanamkan sikap religius melalui sholat dhuha pada siswa kelas IIA di SDN 08 Kartiasa Tahun Pelajaran 2024-2025. Penelitian ini menggunakan pendekatan kualitatif dengan jenis penelitian deskriptif. Teknik pengumpulan data menggunakan wawancara, observasi dan dokumentasi. Adapun teknik analisis data yang digunakan adalah reduksi data, penyajian data, dan penarikan kesimpulan. Teknik pemeriksaan keabsahan data menggunakan triangulasi sumber, triangulasi teknik dan member check. Hasil penelitian menunjukkan bahwa: (1) perencanaan dilakukan secara sistematis melalui perumusan tujuan yaitu pembentukan sikap religius, penjadwalan pelaksanaan sholat dhuha secara rutin pada pukul 08.30 setiap hari, serta penyediaan media dan sarana prasana ibadah untuk perlengkapan sholat. (2) Pada tahap pelaksanaan, guru menerapkan strategi yang efektif dan sesuai, yaitu strategi berbasis pengalaman dan aktivitas agar siswa terlibat langsung dalam praktik ibadah. Guru juga membiasakan siswa untuk melaksanakan sholat dhuha secara rutin dan konsisten waktu, serta memastikan setiap siswa mengikuti tahapan ibadah sesuai prosedur yang benar. Selain itu, guru secara aktif membimbing dan mengarahkan siswa selama kegiatan berlangsung untuk menjaga ketertiban dan kekhusyukan ibadah. Dalam proses ini, siswa menunjukkan keterlibatan dan keseriusan dalam melaksanakan sholat dhuha, yang tercermin dalam sikap disiplin, tanggung jawab, dan keikhlasan. (3) Evaluasi dilakukan secara formatif dan sumatif. Evaluasi formatif dilaksanakan setiap hari dengan memberikan arahan langsung dan penilaian melalui jurnal harian siswa, sedangkan evaluasi sumatif dilakukan setiap bulan untuk melihat konsistensi dan perkembangan sikap religius siswa berdasarkan rekap data pelaksanaan harian.
 
METODE GURU DALAM MENGATASI KESULITAN SISWA MEMBACA AL-QURAN PADA PEMBELAJARAN AL-QURAN HADITS DI KELAS II MADRASAH IBTIDAIYAH SWASTA TARBIYAH TEBAS TAHUN PELAJARAN 2024/2025
Get PDFThis research began with the discovery of a case about the teacher's method in overcoming students' difficulties in reading the Qur'an. The purpose of this research is to reveal: (1) Students' difficulties in reading the Qur'an in the Qur'an Hadith learning of class II at MIS Tarbiyah Tebas in the 2024-2025 academic year. (2) Teachers' methods in teaching students to read the Qur'an in the Qur'an Hadith learning of class II at MIS Tarbiyah Tebas in the 2024-2025 academic year. (3) Teachers' solutions in overcoming students' difficulties in reading the Qur'an in the Qur'an Hadith learning of class II at MIS Tarbiyah Tebas in the 2024-2025 academic year. This research uses a qualitative approach with a case study research type. Data collection techniques use observation, interviews and documentation. Data analysis techniques are carried out by data collection, data reduction, data presentation, and drawing conclusions. Data validity checking techniques use source triangulation, and member checks. The results of the study indicate that: (1) The difficulties experienced by second-grade students of MIS Tarbiyah Tebas in reading the Qur'an include difficulties in identifying letters, pronouncing letters according to the makharijul huruf, reading according to the rules of tajwid, and distinguishing long and short harakat. (2) The method used by the Al-Qur'an Hadith subject teacher to overcome students who experience difficulties in reading the Qur'an is the Iqra' method. (3) The teacher's solution to overcome students' difficulties in reading the Qur'an in learning Al-Qur'an Hadith in second-grade students of MIS Tarbiyah Tebas is providing individual guidance, creating innovative learning, and choosing the right time to study the Qur'an with students. The solutions implemented have been deemed effective in overcoming students who experience difficulties in reading the Qur'an
The Effect Of Mathematics Anxiety On Academic Procratination Moderated With Self-Control Factors In Mechanical Engineering Students Of UPI
Get PDFMathematics is a study that is used as a basic science of various other exact sciences, teaching mathematics is a priority in the development of education and mathematics has an important role because mathematics is a method of logical, critical, creative thinking, order, art, and language as well. Because mathematics is a measure of a person's intelligence or intelligence, many avoid mathematics so that many students choose to do other things that are more fun or important when dealing with mathematics. Feeling anxious, worried, and uncomfortable when dealing with math, or feeling math anxiety. Math anxiety is also associated with academic procrastination to avoid feeling anxious. Procrastination is also one of the causes of a person's delay in completing his studies because individuals choose to do other things that are more enjoyable. Academic procrastination is a person's tendency to procrastinate with illogical reasons. Many of the students do academic procrastination while working on their thesis or final assignment so that these students are late in completing their studies. There are factors that can influence the occurrence of math anxiety and academic procrastination, namely good self-control in final semester students who are working on their thesis or final assignment. This study aims to analyze self-control as a variable that moderates the effect of math anxiety on academic procrastination in students of UPI mechanical engineering education. This research method uses a literature review report presentation syste