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    Pemanfaatan Aplikasi Secil Membaca dan Menulis sebagai Media Pembelajaran Literasi Awal bagi Siswa Kelas Rendah

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    This research aims to describe the application of Secil as a medium for teaching beginning reading and writing to lower-grade students, including its content, features, advantages, disadvantages, and steps for use. The Secil application helps children learn to read and write while getting to know letters, numbers, shapes, colors, animals, fruits, food, and family members with visual guidance, pronunciation sounds, and star rewards. This research uses a descriptive qualitative method with a literature study approach (library research), which focuses on collecting, analyzing, and synthesizing various relevant written sources, such as scientific articles, research reports, books, and digital documents related to the Secil application and its implementation in early literacy learning. The research results indicate that the use of the Secil application can be utilized in early literacy learning. Children can associate letters or words with corresponding pictures and sounds. Additionally, interactive features such as puzzle assembly, size sorting, and color matching further strengthen the understanding of basic concepts. Thus, the Secil application can motivate students to learn basic reading and writing thru interactive exercises based on text, images, and audio. This application also makes it easier for teachers to present letter, syllable, and word materials step by step, making learning more effective and aligned with students' early literacy development. Keywords: Secil application; learning media; early reading and writing; gadget usage; lower grade studentsPenelitian ini bertujuan mendeskripsikan aplikasi Secil sebagai media pembelajaran membaca dan menulis permulaan bagi siswa kelas rendah, yang mencakup materi, fitur, kelebihan dan kekurangan, serta langkah penggunaannya. Aplikasi Secil membantu anak belajar membaca dan menulis sambil mengenal huruf, angka, bentuk, warna, hewan, buah, makanan, dan anggota keluarga dengan panduan visual, suara pelafalan, serta hadiah bintang. Penelitian ini menggunakan metode deskriptif kualitatif dengan pendekatan studi kepustakaan (library research), yaitu penelitian yang berfokus pada pengumpulan, analisis, dan sintesis berbagai sumber tertulis yang relevan, seperti artikel ilmiah, laporan penelitian, buku, serta dokumen digital terkait aplikasi Secil dan penerapannya dalam pembelajaran baca tulis permulaan. Hasil penelitian menunjukkan bahwa penggunaan aplikasi Secil dapat dimanfaatkan dalam pembelajaran baca tulis permulaan. Anak dapat mengaitkan huruf atau kata dengan gambar maupun bunyi yang sesuai. Selain itu, fitur interaktif seperti menyusun puzzle, mengurutkan ukuran, dan mencocokkan warna turut memperkuat pemahaman konsep dasar. Dengan demikian, aplikasi Secil dapat memotivasi siswa dalam  belajar membaca dan menulis permulaan melalui latihan interaktif berbasis teks, gambar, dan audio. Aplikasi ini juga memudahkan guru menyajikan materi huruf, suku kata, dan kata secara bertahap sehingga pembelajaran lebih efektif dan sesuai perkembangan literasi awal siswa. Kata Kunci: aplikasi Secil; media pembelajaran; membaca dan menulis permulaan; penggunaan gawai; siswa kelas renda

    Perkembangan Bahasa Anak dari Pernikahan Amalgamasi: Studi terhadap Penggunaan Bahasa oleh Ritsuki dan Persepsi Publik di Media Sosial

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      This study aims to analyze the language development of children born to amalgamated marriages and describe public perceptions of this phenomenon through a case study of a child named Ritsuki (Indonesia-Japan). The research focuses on the language development stage of 18-24 months and is limited to utterances recorded in family posts on YouTube, TikTok, and Instagram. The approach used is qualitative-descriptive with a single case study design. Data were collected through digital observation of 12 videos featuring Ritsuki's utterances (observation period: January-March 2024) and analysis of 30 posts/comment threads to capture public perceptions; secondary data consisted of literature related to bilingualism, parenting practices in mixed families, and framing theory. The analysis was conducted using content analysis techniques to identify emerging linguistic patterns and social contexts. The results showed that Ritsuki's language skills were appropriate for a child aged 18-24 months and exhibited the characteristics of natural bilingualism in the form of code-mixing between Indonesian and Japanese. Meanwhile, public perceptions on social media showed two trends: appreciation of linguistic ability and concern about language mixing.   Keywords: language development in children; amalgamated marriage; social media; public perception  Penelitian ini bertujuan menganalisis perkembangan bahasa anak hasil pernikahan amalgamasi dan menggambarkan persepsi publik terhadap fenomena tersebut melalui studi kasus pada anak bernama Ritsuki (Indonesia-Jepang). Penelitian difokuskan pada tahap perkembangan bahasa usia 18-24 bulan dan dibatasi pada ujaran yang terekam dalam unggahan keluarga pada media sosial YouTube, TikTok, dan Instagram. Pendekatan yang digunakan adalah kualitatif-deskriptif dengan desain studi kasus tunggal. Data dikumpulkan melalui observasi digital terhadap 12 video yang menampilkan ujaran Ritsuki (periode observasi: Januari-Maret 2024) dan analisis 30 unggahan/threads komentar untuk menangkap persepsi publik; data sekunder berupa literatur terkait bilingualisme, praktik pengasuhan dalam keluarga campuran, dan teori framing. Analisis dilakukan menggunakan teknik analisis isi untuk mengidentifikasi pola linguistik dan konteks sosial yang muncul. Hasil penelitian menunjukkan bahwa kemampuan bahasa Ritsuki telah sesuai dengan tahap perkembangan anak usia 18-24 bulan dan menunjukkan karakteristik bilingual alami berupa code- mixing antara bahasa Indonesia dan Jepang. Sementara itu, persepsi publik di media sosial menunjukkan dua kecenderungan, yakni apresiasi terhadap kemampuan linguistik dan kekhawatiran terhadap pencampuran bahasa. Kata Kunci: perkembangan bahasa anak; pernikahan amalgamasi; media sosial; persepsi publi

    The Impact of Green Banking and Financial Performance on the Profitability of Islamic Commercial Banks in Indonesia in 2021-2024

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    Introduction: The profitability of Islamic Banks (BUS) in 2021-2024 experienced an increase in growth after the COVID-19 pandemic, supported by improved financial performance and Green Banking activities. The purpose of this study is to determine the effect of Green Banking, CAR, BOPO, FDR, and NPF on ROA, both partially and simultaneously. Research Methods: This study uses a quantitative method with Panel Data Regression data processing techniques with the FEM method. The sample used is 2021 to 2024. The hypothesis in this study is that the Panel Data Regression method with FEM has proven accurate in testing the influence between dependent and independent variables. Results: Partially, Green Banking and CAR have no effect, while BOPO, FDR, and NPF have an effect on ROA. Simultaneously, they have an effect on ROA. Conclusion: The results obtained can indicate that Islamic Banks must pay attention to the financial performance conditions of various sectors in order to achieve the desired profit target and are expected to continue to improve Green Banking so that operations are carried out more efficiently

    Risk Management of the Governance of Small and Medium Enterprises “Rumah Kue Alek” in Preserving Aseets (Hifzh Al-Mal)

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    Introduction: The phenomenon addressed in this research is the risk management of the governance of the small and medium-sized enterprise (SME) "Rumah Kue Alek" in maintaining wealth (Hifzh Al-Mal), focusing on the issue of employee rights or salaries that do not comply with Sharia contracts. Research Methods: The method used is qualitative research with a field research approach. In this study, the author acts as a key figure. This research utilizes primary data from interviews with relevant parties and secondary data from documentation. The data sources come from the owner of the SME "Rumah Kue Alek" and the employees. The data collection methods employed by the researcher are observation, interviews, and documentation. Results: (1) The risk management occurring in the UMK bakery 'Rumah Kue Alek' includes internal risk, external risk, human resource risk, and process risk. (2) The role of human resource management in the governance of the UMK bakery 'Rumah Kue Alek' includes managerial roles, as it plans for needs. The second role is operational as it involves recruiting human resources and serves as integration and maintenance because it shows the owner's concern for the comfort of the employees. (3) The impact of risk management that occurs in the bakery SMEs 'Rumah Kue Alek' in maintaining assets affects the economic aspect and also has implications for the ethical and social dimensions in Islamic business

    English: A Discourse Study of The "Belajar Islam Pake Logika" Podcast

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    The lack of studies on logic-based da'wah strategies in digital conversation formats is an important gap in contemporary religious communication studies. This article aims to analyze how a rational approach is used in delivering Islamic messages through the YouTube podcast "Belajar Islam Pake Logika" with Felix Siauw and Raymond Chin. This study employs a qualitative approach in which descriptive procedures are used to organize the data, while Fairclough’s critical discourse study serves as the primary analytical framework. The object of study is the content of conversations in podcasts lasting more than one hour, with data in the form of complete transcripts obtained through documentation and non-intervention observation. The analysis was conducted through three stages: text analysis, discursive practices, and social practices. The findings show that logical argumentation, dialogic style, and social criticism are used as the main strategies of da'wah to build credibility and reach critical audiences. The findings indicate that rationality functions as a discursive resource that restructures how religious authority is articulated in digital media. This expands the theoretical understanding of da'wah communication by showing that meaning-making in contemporary Islamic discourse increasingly depends on dialogical reasoning rather than hierarchical textual claims. REFERENCES D’Ambrosio, Mariangela. “Emotions in Political Discourse and Social Narratives: Sociological Reflections on Traditional and New Media.” Society Register 6, no. 4 (2022): 101–16. https://doi.org/10.14746/sr.2022.6.4.06. Eka Arie Yuliyani, Hamsu Kadriyan, Mochammad Alfian Sulaksana, et al. “Edukasi Sadar Bising Sebagai Upaya Promotif Dan Preventif Terhadap Gangguan Dengar Melalui Media Podcast.” Jurnal Pengabdian Magister Pendidikan IPA 5, no. 2 (2022): 89–93. https://doi.org/10.29303/jpmpi.v5i2.1630. Elashrey, Mohamed Elsayed Ibrahim. “A Stylistic Approach to Power Relation Shifts in Arthur Miller’s The Crucible.” مجلة کلیة الآداب .جامعة بورسعید 21, no. 21 (2022): 22–40. https://doi.org/10.21608/jfpsu.2021.74436.1087. Fairclough, Norman. Critical Discourse Analysis. 0 ed. Routledge, 2013. https://doi.org/10.4324/9781315834368. Fattahizadeh, Fathyieh and Fereshteh Motamad Langrodi. “Application of Fairclough’s Critical Discourse Analysis Model to Quranic Verses Discussing Peaceful Dealing with Hypocrites.” Journal of Islamic Thought and Civilization 12, no. 1 (2022): 231–46. https://doi.org/10.32350/jitc.121.13. Fattahizadeh, Fathyieh and Fereshteh Motamad Langrodi. “Application of Fairclough’s Critical Discourse Analysis Model to Quranic Verses Discussing Peaceful Dealing with Hypocrites.” Journal of Islamic Thought and Civilization 12, no. 1 (2022): 231–46. https://doi.org/10.32350/jitc.121.13. Gee, James Paul, and Michael Handford. The Routledge Handbook of Discourse Analysis. 2nd ed. Routledge, 2023. https://doi.org/10.4324/9781003035244. Guihua, Luo, and Liu Mi. “The Concepts of Discourse and the Theoretical Genealogy of Discourse Analysis.” Social Science Research Frontiers, ahead of print, April 25, 2023. https://doi.org/10.57237/j.ssrf.2023.02.003. Harahap, Anjelin Rahmi Junaidi, Muhammad Fathurrahman Al-Anshori, and Kartini Kartini. “Metode Analisis Wacana Dalam Media Sosial.” Dakwatussifa: Journal of Da’wah and Communication 1, no. 2 (2022): 105–15. https://doi.org/10.56146/dakwatussifa.v1i2.54. Institute of Socio-Political Research of the Federal Center for Theoretical and Applied Sociology, Russian Academy of Sciences (ISPR FCTAS RAS), Nina A. Seliverstova, Julia A. Zubok, and Institute of Socio-Political Research of the Federal Center for Theoretical and Applied Sociology, Russian Academy of Sciences (ISPR FCTAS RAS). “Religious Identity in the Semantic Self-Regulation of Youth.” Research Result Sociology and Management 9, no. 2 (2023). https://doi.org/10.18413/2408-9338-2023-9-2-0-10. Khadiq. “Transformation of Islamic Religious Practices in the Digital Era: Opportunities and Challenges for Contemporary Da’wah.” Jurnal Dakwah 24, no. 2 (2023). https://doi.org/10.14421/jd.2023.24205. Li, Wengqian, and W. Shi. “English Advertising Slogans: A Modality System Analysis.” Asian Journal of Multilingualism and Applied Linguistics 1, no. 1 (2022): 25–29. https://doi.org/10.53402/ajmal.v1i1.61. Ligawan, Andry Saputra. “THE RELATIONSHIP BETWEEN RELIGION AND THE STATE: DISCOURSE ANALYSIS OF RELIGIOUS COMMUNICATION IN THE PUBLIC SPHERE.” Jurnal Bioconcetta 9, no. 2 (2024): 57–62. https://doi.org/10.22202/bc.2023.v9i2.7728. Lubis, Nikmah. “Intersection of Traditional Religious Authority and New Authority in the Digital Space of Indonesia.” FIKRAH 11, no. 1 (2023): 135. https://doi.org/10.21043/fikrah.v11i1.19678. Makhloufi, Imane Belkacem Mohammed. “A Critical Discourse Analysis of Modality in COVID-19 Speeches: A Systemic Functional Grammar Perspective.” Jordanian Educational Journal 10, no. 1 (2025): 331–53. https://doi.org/10.46515/jaes.v10i1.1332. Masasa, Karina. “The Role of Trust in the Discursive Construction of Legitimacy and Authority. The First Address on Covid-19 in Argentina.” Argumentation et Analyse Du Discours 28 (2022). https://doi.org/10.4000/aad.6480. Mattes, Mark. “Faith and Reason in the Reformations Ed. by Terence J. Kleven.” Lutheran Quarterly 36, no. 4 (2022): 454–56. https://doi.org/10.1353/lut.2022.0106. Mukhtidinov, Rashid. “Da’wah and Counter-Radicalism in Indonesia.” Dakwatuna: Jurnal Dakwah Dan Komunikasi Islam 9, no. 1 (2023): 67–78. https://doi.org/10.54471/dakwatuna.v9i1.2246. Nasution, Nadya Amalia and Alisya. “Islamic Leadership Narratives on YouTube: A Framing Analysis of Digital Da’wah Messages.” Ath-Thariq: Jurnal Dakwah Dan Komunikasi 8, no. 2 (2024): 116–27. https://doi.org/10.32332/ath-thariq.v8i2.8sw96g96. Nesterova, Natalia, and Anastasia Oreshkina. “The Paper Explores New Discursive Practices Determined by Media Convergence and New Communication Conditions. Based on the Case Study of the Program ‘We Speak Russian’ and the Podcast ‘What Is It in Russian?’ The Following Dynamic Changes Have Been Ident.” Philology & Human, no. 4 (December 2022): 26–42. https://doi.org/10.14258/filichel(2022)4-02. Nurul Khotimah and Fitri Shafa Kamila. “The Trends of Digital Da’wah: Cyber Media Analysis on Instagram Account.” Proceedings of the Saizu International Conference on Transdisciplinary Religious Studies, November 15, 2022, 1–11. https://doi.org/10.24090/icontrees.2022.217. Nurul Sulfiani, Munirah Munirah, and Haslinda Haslinda. “Analisis Tindak Tutur Ilokusi Dalam Podcast Deddy Corbuzier Dan Nadiem Makarim Pada Media Sosial Youtube.” DEIKTIS: Jurnal Pendidikan Bahasa Dan Sastra 2, no. 2 (2022): 114–28. https://doi.org/10.53769/deiktis.v2i2.251. Purwatiningsih, Sri Desti, and Sri Ekowati. “Interfaith Debate Through YouTube Media as an Effort to Educate and Fortify the Faith of the Ummah.” Technium Social Sciences Journal 30 (April 2022): 271–81. https://doi.org/10.47577/tssj.v30i1.6246. “Religion, Rationality and Justice – A Cause for Critical Reflection in the Contemporary Society.” Canadian Journal of Educational and Social Studies 2, no. 4 (2022). https://doi.org/10.53103/cjess.v2i4.51. Ross Arguedas, Amy A., Sumitra Badrinathan, Camila Mont’Alverne, Benjamin Toff, Richard Fletcher, and Rasmus Kleis Nielsen. “‘It’s a Battle You Are Never Going to Win’: Perspectives from Journalists in Four Countries on How Digital Media Platforms Undermine Trust in News.” Journalism Studies 23, no. 14 (2022): 1821–40. https://doi.org/10.1080/1461670X.2022.2112908. Sánchez-López, Elena. “Meaning, Degrees of Abstraction and Shared Knowledge.” In IVITRA Research in Linguistics and Literature, edited by Susana Rodríguez Rosique and Jordi M. Antolí Martínez, vol. 34. John Benjamins Publishing Company, 2023. https://doi.org/10.1075/ivitra.34.13san. Saragih, Ahmad Faza Fauzan, Rony Fernando Sagala, and Erwan Effendi. “Peran Media Sosial Dalam Membangun Dakwah Islam Yang Efektif.” Dakwatussifa: Journal of Da’wah and Communication 1, no. 2 (2022): 141–51. https://doi.org/10.56146/dakwatussifa.v1i2.59. Sharon, Tzlil. “Peeling the Pod: Towards a Research Agenda for Podcast Studies.” Annals of the International Communication Association 47, no. 3 (2023): 324–37. https://doi.org/10.1080/23808985.2023.2201593. Utomo, Deni Puji, and Rachmat Adiwijaya. “Representasi Moderasi Beragama Dalam Dakwah Habib Husein Ja’far Al-Hadar Pada Konten Podcast Noice ‘Berbeda Tapi Bersama.’” PUSAKA 10, no. 1 (2022): 212–23. https://doi.org/10.31969/pusaka.v10i1.675. Wu, Haibin. “Identity Construction through Lexical Choices: A Corpus-Based Approach.” Journal of Humanities, Arts and Social Science 7, no. 2 (2023): 401–7. https://doi.org/10.26855/jhass.2023.02.028. Zaid, Bouziane, Jana Fedtke, Don Donghee Shin, Abdelmalek El Kadoussi, and Mohammed Ibahrine. “Digital Islam and Muslim Millennials: How Social Media Influencers Reimagine Religious Authority and Islamic Practices.” Religions 13, no. 4 (2022): 335. https://doi.org/10.3390/rel13040335.Abstrak: Minimnya kajian tentang strategi dakwah berbasis logika dalam format percakapan digital menjadi celah penting dalam studi komunikasi keagamaan kontemporer. Artikel ini bertujuan menganalisis bagaimana pendekatan rasional digunakan dalam menyampaikan pesan Islam melalui podcast YouTube “Belajar Islam Pake Logika” bersama Felix Siauw dan Raymond Chin. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan analisis wacana kritis model Fairclough. Objek kajian berupa isi percakapan dalam podcast berdurasi satu jam lebih, dengan data berupa transkrip lengkap yang diperoleh melalui dokumentasi dan observasi non-intervensi. Analisis dilakukan melalui tiga tahapan: analisis teks, praktik diskursif, dan praktik sosial. Temuan menunjukkan bahwa argumentasi logis, gaya dialogis, dan kritik sosial digunakan sebagai strategi utama dakwah untuk membangun kredibilitas dan menjangkau audiens kritis. Studi ini menegaskan urgensi inovasi dakwah digital yang komunikatif, reflektif, dan relevan dengan pola pikir generasi muda

    Cuci Kampung as a Mechanism of Restorative Justice: Integrating Customary Law and Islamic Principles in the Rejang Lebong, Indonesia

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    This study examines the Cuci Kampung tradition among the Rejang community in Rejang Lebong as a form of religious and cultural law enforcement rooted in local wisdom. The primary focus is on how this tradition functions as a restorative, educational, and spiritual mechanism for resolving customary violations through the Jenang Kutei Customary Court. A normative-empirical method was employed, which combines document studies, field observations, and interviews with customary and religious leaders to analyse the interaction between Islamic and customary norms within a plural legal system. The findings reveal that Cuci Kampung and Jenang Kutei serve as a form of living law that integrates customary and Islamic values, such as justice, repentance, and social responsibility. The implementation of John Griffiths’ theory of legal pluralism clarifies how religious-cultural practices strengthen community-based justice systems. This research contributes to reinforcing models of restorative justice, which is grounded in local culture and provides a reference for integrating customary law into the formal legal system, as well as preserving local traditions as part of the development of national law

    Ethnopedagogical Approach: The Influence of Self-Awareness on Muslim Students’ Public Speaking Competence and Interest in Digital Entrepreneurship

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    This study examines the impact of self-awareness competency developed through an ethnopedagogical approach on students' English public speaking skills and their interest in digital entrepreneurship. Using a true experimental design with a one-group pretest-posttest design model, this study involved 167 purposively selected students from three faculties at the Al-Qur'an Science University of Central Java in Wonosobo (UNSIQ): the Faculty of Economics and Business, the Faculty of Da’wa and Communication Sciences, and the Faculty of Tarbiyah and Teacher Training. Data were analysed using paired sample t-test, N-Gain scores, regression analysis, and ANOVA. The findings indicate that the students’ awareness competency improved after the intervention, followed by a significant enhancement in their English public speaking skills across faculties. The results also show that self-awareness has a substantial influence on students’ interest in digital entrepreneurship. Variations among faculties were identified, reflecting differences in academic backgrounds. Overall, the study demonstrates that integrating self-awareness within an ethnopedagogical learning approach is effective in strengthening students’ communication competence and fostering entrepreneurial interest in higher education contexts

    KUALITAS PENGALAMAN MAHASISWA DALAM MEWUJUDKAN CITRA PENGETAHUAN WEBSITE PERPUSTAKAAN UNIVERSITAS SUMATERA UTARA

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    The library website serves as a digital gateway that reflects the institution’s knowledge identity and service quality. This study analyzes the role of user experience in shaping the academic knowledge image of the University of North Sumatra (USU) Library website. Using a qualitative phenomenological research approach, data were collected through semi-structured interviews with six informants, consisting of five active students as primary informants and one library staff member as a supporting informant. Data analysis followed the interactive Miles and Huberman model, emphasizing the interpretation of users’ lived experiences. The results reveal that user experience quality, which includes usability, accessibility, design appeal, information accuracy, and responsiveness, plays an important role in shaping how users perceive the library website as a representation of academic knowledge. Furthermore, the SERVQUAL dimensions—tangibles, reliability, responsiveness, assurance, and empathy—function as an interpretative framework that connect user satisfaction with knowledge dissemination. In conclusion, the USU Library website has largely succeeded in positioning itself as a digital symbol of knowledge; however, interface optimization and more intuitive navigation structures are still needed to enhance the overall user experience.Situs web perpustakaan berfungsi sebagai gerbang digital yang mencerminkan identitas pengetahuan dan kualitas layanan institusi. Studi ini menganalisis peran pengalaman pengguna dalam membentuk citra pengetahuan akademik situs web Perpustakaan Universitas Sumatera Utara (USU). Menggunakan pendekatan penelitian fenomenologis kualitatif, data dikumpulkan melalui wawancara semi-terstruktur dengan enam informan, yang terdiri atas lima mahasiswa aktif sebagai informan utama dan satu staf perpustakaan sebagai informan pendukung. Analisis data mengikuti model interaktif Miles dan Huberman, yang menekankan interpretasi pengalaman nyata pengguna. Hasil penelitian menunjukkan bahwa kualitas pengalaman pengguna, yang mencakup kegunaan, aksesibilitas, daya tarik desain, akurasi informasi, dan responsivitas, berperan penting dalam membentuk cara pengguna memandang situs web perpustakaan sebagai representasi pengetahuan akademik. Selain itu, dimensi SERVQUAL—tangibles, reliability, responsiveness, assurance, dan empathy—berfungsi sebagai kerangka interpretatif yang menghubungkan kepuasan pengguna dengan penyebaran pengetahuan. Kesimpulannya, situs web Perpustakaan USU sebagian besar telah berhasil menempatkan dirinya sebagai simbol digital pengetahuan; namun, optimasi antarmuka dan struktur navigasi yang lebih intuiti masih diperlukan untuk meningkatkan pengalaman pengguna secara keseluruhan

    Program SiMantep Analisis Konsep Takaful dan Theory of Planned Behavior: Studi Kabupaten Bengkalis

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    Takaful as an insurance concept that emphasizes the principle of mutual assistance (ta'awun) and sharing risks (tabarru') to other insurance participants provides relief in its concept. This concept demands social solidarity and togetherness which (indirectly) aligns with sharia values. In the SiMantep program, there is also a concept of mutual assistance which can be said to be in accordance with the provisions. This study uses a qualitative method in the form of library research with secondary data sources and data collection models from government data on the SiMantep insurance program, journals and data that have been presented specifically for the Bengkalis Regency area. The data analysis method uses Miles and Hubberman: Data collection, data display, and drawing conclusions. In general, the SiMantep program targets small-scale fishermen and traditional fishermen with a high risk of work accidents, but are vulnerable to work safety guarantees. Basically, the principles applied in SiMantep are in accordance with the main principles in the takaful concept such as mutual assistance and mutual support in the management and distribution process, so that this intersection becomes an interesting concept elaboration and makes the SiMantep program in accordance with several aspects of sharia, and for the implementation of the SiMantep program based on the theory of planned behavior, the government must be more proactive in approaching fishermen.Takaful sebagai konsep asuransi yang menekankan pada prinsip tolong-menolong (ta’awun) dan saling menanggung/berbagi risiko (tabarru’) pada peserta asuransi lainnya memberikan sebuah keringanan secara konsepnya. Konsep ini menuntut solidaritas sosial dan kebersamaan yang (secara tidak langsung) sejalan dengan nilai-nilai syariat. Dalam program SiMantep pun juga terdapat konsep saling tolong-menolong yang bisa dikatakan sesuai dengan syariat, namun lebih lanjut program tersebut apabila dianalisis melalui konsep takaful apakah sudah sesuai dengan ketentuan. Penelitian ini menggunakan metode kualitatif bersifat studi pustaka (library research) dengan sumber data sekunder dan model pengumpulan data dari data pemerintahan program asuransi SiMantep, journal dan data-data yang telah tersaji khususnya untuk wilayah Kabupaten Bengkalis. Metode analisis data menggunakan Miles dan Hubberman: Pengumpulan data, display data, dan penarikan kesimpulan. Secara umum program SiMantep mempunyai sasaran nelayan kecil dan nelayan tradisional dengan risiko kecelakaan kerja yang tinggi, namun rentan dalam jaminan keselamatan kerjanya. Pada dasarnya prinsip-prinsip yang diterapkan dalam SiMantep telah sesuai dengan prinsip utama dalam konsep takaful seperti tolong-menolong dan saling menanggung dalam proses pengelolaan dan penyalurannya, sehingga persinggungan ini menjadi elaborasi konsep yang menarik dan menjadikan program SiMantep telah sesuai di beberapa aspek dengan syariat, dan demi terlaksananya program SiMantep berdasarkan theory planned of behavior, pemerintah harus lebih pro-aktif melakukan pendekatan ke nelayan

    Legal Dissonance and Social Consequences of Unregistered Ṭalāq in Indonesia

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    This study explores the legal dissonance and social consequences arising from the widespread practice of unregistered ṭalāq in Indonesia. It aims to examine the normative conflict between fiqh-based principles and state law, and its implications for husbands, wives, and children. Using normative legal research with a conceptual and descriptive approach, the study finds that unregistered ṭalāq contributes to systemic legal uncertainty and structural inequality, particularly disadvantaging women and children. Legal complications include ambiguous marital status, limitations on remarriage, and procedural obstacles in court and civil registration. Husbands may face the risk of ṭalāq repetition across normative systems, potentially leading to unintended final divorce, alongside repeated obligations related to nafaqah and muṭʿah. Wives face prolonged ʿiddah, abandonment, and disproportionate legal burdens, while children are exposed to psychological distress and a lack of enforceable custodial rights. To address these issues, this paper proposes the institutionalization of ṭalāq validation (isbat ṭalāq) as a harmonizing mechanism between religious and state legal systems, aiming to restore legal certainty, protect vulnerable parties, and promote justice in marital dissolution

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