Abstract:This study aims to analyze the role of innovation and technology in strengthening the Islamic finance ecosystem in the digital era. The research employs a qualitative-descriptive approach through a literature-based analysis…
sis integrating technology adoption theories (TAM, UTAUT, DOI) and the principles of maqaṣid al-shari’ah as the theoretical foundation. The findings reveal that perceived usefulness, ease of use, social influence, and infrastructural support are the key determinants influencing users’ intentions toward adopting Islamic financial technologies. Furthermore, Shariah-compliant fintech innovation driven by maqaṣid al-shari’ah enhances financial inclusion, ethical governance, and sustainable economic development. The study emphasizes that collaboration among regulators, financial institutions, and educational entities is crucial to developing adaptive regulations and strengthening digital-Shariah literacy. The main conclusion underscores the significance of aligning technological innovation with Islamic ethical principles to advance the competitiveness of the Islamic finance industry globally.
Abstract:Penelitian ini dilakukan untuk meningkatkan Hasil Belajar siswa dalam Mata Pelajaran Pendidikan Agama Hindu Malalui penerapan Model Pembelajaran “Problem Based Learning” siswa SMP Negeri 3 Poso Pesisir Utara tahun pelajaran…
pelajaran 2025/2026 Tujuan penelitian ini dilaksanakan yaitu untuk meningkatkan hasil belajar siswa dalam Mata Pelajaran Pendidikan Agama Hindu melalui penerapan model pembelajaran Problem Based Learning. Penelitian ini dilakukan dalam dua siklus yang mana menggunakan tahapan perencanaan, pelaksanaan, observasi/pengamatan dan refleksi pada setiap siklusnya memfokuskan pencarian datanya menggunakan tes hasil belajar dan melaksanakan analisis dengan analisis deskriptif. Setelah dilakukan refleksi, terjadi peningkatan hasil belajar siswa dari rata-rata nilai 69,90 meningkat menjadi 73,12 rata- rata kelasnya pada siklus I dan pada siklus II meningkat menjadi 81,40. Ketuntasan belajar juga terjadi peningkatan dari awalnya 64,00 % menjadi 72,00 % pada siklus I dan 92,00 % pada siklus II. Data tersebut menunjukkan keberhasilan pelaksanaan penelitian sesuai indikator yang direncanakan. Akhirnya peneliti berkesimpulan bahwa Penerapan Model Problem Based Learning (Pbl) Untuk Meningkatkan Hasil Belajar Dalam Mata Pelajaran Pendidikan Agama Hindu siswa SMP Negeri 3 Poso Pesisir Utara tahun pelajaran 2025/2026
Abstract:Penelitian ini dilakukan untuk Peningkatan Kemampuan siswa Dalam Memahami Cerita Mahabarata Melalui Penerapan Model Problem Based Learning Pada Pembelajaran Agama Hindu Tujuan penelitian ini dilaksanakan yaitu untuk meningkatkan…
ngkatkan hasil belajar siswa dalam Mata Pelajaran Pendidikan Agama Hindu melalui penerapan model pembelajaran Problem Based Learning. Penelitian ini dilakukan dalam dua siklus yang mana menggunakan tahapan perencanaan, pelaksanaan, observasi/pengamatan dan refleksi pada setiap siklusnya memfokuskan pencarian datanya menggunakan tes hasil belajar dan melaksanakan analisis dengan analisis deskriptif. Setelah dilakukan refleksi, terjadi peningkatan hasil belajar siswa dari rata-rata nilai 69,90 meningkat menjadi 73,12 rata- rata kelasnya pada siklus I dan pada siklus II meningkat menjadi 81,40. Ketuntasan belajar juga terjadi peningkatan dari awalnya 64,00 % menjadi 72,00 % pada siklus I dan 92,00 % pada siklus II. Data tersebut menunjukkan keberhasilan pelaksanaan penelitian sesuai indikator yang direncanakan. Akhirnya peneliti berkesimpulan bahwa Penerapan Model Problem Based Learning (Pbl) Untuk Meningkatkan Hasil Belajar Dalam Mata Pelajaran Pendidikan Agama Hindu Materi memahami cerita Mahabarata
Kata kunci : model pembelajaran Problem Based Learning, hasil belajar.
Abstract:MSMEs have played considerable role in the socio-economic development in Indonesia. However, the institutions continue to experience numerous challenges and constrains in various aspects. Among the prominent issues include…
de the financing structure, lack of qualified human resources, complexity of government regulations and bureaucracy in some areas such as business start-up and etc. There is hardly any literature that has critically surveyed the issue of why the MSMEs shy away and whether there is an alternative financing model that they can adopt. The present study critically assesses the related literatures and proposes a viable cash waqf-based model which has the potential to benefit Islamic MSMEs. To ensure the successful running of the cash-waqf based model, it is recommended for the model to be established under the umbrella of a respectable Islamic body, namely Indonesia Waqf Council/Badan Wakaf Indonesia (BWI).
Abstract:Kabupaten Puncak Jaya, Papua Tengah, merupakan salah satu wilayah 3T (Tertinggal, Terdepan, dan Terluar) di Indonesia yang menghadapi tantangan serius dalam pembangunan ekonomi akibat kondisi geografis yang sulit dijangkau…
au serta keterbatasan infrastruktur. Penelitian ini bertujuan untuk menganalisis bagaimana pemberdayaan UMKM (Usaha Mikro, Kecil, dan Menengah) berbasis kearifan lokal mampu menjadi strategi alternatif dalam mendorong pertumbuhan ekonomi masyarakat setempat sekaligus menjaga keberlangsungan nilai-nilai budaya lokal. Dengan pendekatan deskriptif kualitatif dan desain studi kasus, serta penerapan model Community-Based Participatory Research (CBPR), penelitian ini menempatkan masyarakat lokal sebagai subjek aktif dalam proses pemberdayaan.
Data diperoleh melalui wawancara mendalam, observasi partisipatif, diskusi kelompok terarah (focus group discussion), dan studi dokumentasi terhadap pelaksanaan program-program yang digagas oleh Dinas Koperasi, UMKM, Perindustrian dan Perdagangan Kabupaten Puncak Jaya. Hasil penelitian menunjukkan bahwa nilai-nilai kearifan lokal seperti gotong royong, musyawarah mufakat, dan pengelolaan sumber daya alam secara komunal berhasil diintegrasikan dalam pelatihan, produksi, dan pemasaran produk UMKM, seperti tas noken, minyak kemiri, serta kerajinan dari biji hutan. Dampaknya tidak hanya terlihat pada peningkatan kapasitas teknis pelaku usaha, tetapi juga pada penguatan identitas budaya dan solidaritas sosial komunitas.
Namun, masih terdapat sejumlah tantangan besar, seperti keterbatasan akses pasar karena infrastruktur yang minim, rendahnya literasi keuangan dan digital, serta belum optimalnya implementasi regulasi pendukung. Temuan ini mempertegas pentingnya pendekatan pemberdayaan berbasis lokal yang disesuaikan dengan karakteristik sosial budaya masyarakat Papua. Oleh karena itu, kolaborasi multipihak dan penyusunan kebijakan yang lebih responsif terhadap realitas lokal menjadi kebutuhan mendesak untuk mewujudkan UMKM yang tangguh, inklusif, dan berkelanjutan di wilayah 3T.
Abstract:The Malacca Strait is a vital maritime route that faces significant challenges from high traffic volumes and increasingly frequent extreme weather scenarios. These conditions pose serious risks to navigational safety, environmental…
vironmental integrity, and maritime operational security. This study aims to analyse the needs and components of a robust maritime surveillance architecture in the Malacca Strait, particularly in dealing with the impacts of extreme weather and climate change. Additionally, this research will explore the role of geospatial maritime intelligence in enhancing situational awareness and response to maritime incidents. The study findings indicate that a resilient surveillance architecture in the Malacca Strait requires the integration of advanced sensor systems (including multi-spectral radar and meteorological/oceanographic sensors), redundant communication networks, and AI/ML-based intelligent data processing. The adaptive capabilities of the system, including the use of UAVs and USVs, are critical to maintaining operational effectiveness in adverse weather conditions. Additionally, international cooperation and a robust policy framework, encompassing climate change adaptation and ethical considerations, are fundamental to the successful implementation and sustainability of surveillance systems. The Malacca Strait case study highlights specific vulnerabilities and proposes concrete solutions, illustrating a shift from a reactive to a proactive paradigm in maritime security. Building a resilient surveillance architecture in the Malacca Strait is a strategic imperative to safeguard global trade, regional stability, and environmental sustainability amid increasing climate uncertainty. Integrating cutting-edge technology with robust policies and international collaboration will ensure the safety and security of this vital waterway, making it a model for resilient maritime governance globally. A new aspect emphasised is the importance of adapting to climate change and the role of AI in predictive decision-making. This article presents a comprehensive and integrated approach to building a resilient maritime surveillance architecture, with a particular focus on the challenges of extreme weather in the Malacca Strait. Its originality lies in its emphasis on multi-sensor data fusion, the role of artificial intelligence in predictive analytics, and the integration of climate change adaptation into surveillance system design. Additionally, the article underscores the importance of a robust policy framework and international cooperation as the cornerstones of maritime surveillance resilience, offering a blueprint applicable to other critical maritime routes worldwide
Abstract:This study discusses the adaptation strategies of non-Muslim MSMEs to halal certification regulations in Manado City from the perspective of Maqasid al-Syari'ah. This is a qualitative study. The research design is field…
research. The informants in this study consisted of MUI officials in North Sulawesi Province and non-Muslim MSME actors in Manado City. The results of this study indicate that: Non-Muslim SME actors have demonstrated a high level of adaptation to halal certification regulations through gradual and pragmatic strategies. They began by improving hygiene, recording raw materials, and participating in training and capacity-building programs. These strategies reflect that the actors do not reject the regulations but require an approach tailored to their capacities. In many cases, halal certification is even positioned as a branding tool and a means of market expansion, rather than merely legal compliance. This adaptation also reflects the success of a values-based approach rooted in the principles of maqasid, where regulations are accepted as meaningful and beneficial ethical business practices. Through a dialogic and contextual approach, non-Muslim SME operators have successfully transformed halal certification into an opportunity rather than a threat to their identity.
Abstract:The rapid evolution of digital technologies, particularly live streaming features in e-commerce platforms, has significantly transformed consumer behavior while introducing new risks to consumer protection. Live streaming…
g based commercial transactions often involve real time, visually driven interactions that encourage impulsive purchasing decisions, making traditional regulatory frameworks insufficient. This study aims to analyze the primary factors influencing consumer protection in live commerce settings by examining five core variables: product transparency, platform accountability, perceived risk, consumer trust, and digital literacy. Utilizing a qualitative exploratory approach, this research conducted a comprehensive literature review of 77 international journal articles published between 2020 and 2024. The findings indicate that product transparency and platform accountability are fundamental to enhancing consumer trust and reducing perceived risks, whereas digital literacy acts as a moderating factor that empowers consumers to make informed decisions. The study proposes a conceptual framework that integrates behavioral and regulatory dimensions, offering both theoretical insights and practical implications for improving consumer protection in fast paced, interactive digital marketplaces.
Abstract:This study aims to analyze the effect of Debt to Asset Ratio (DAR) and Long Term Debt to Equity Ratio (LTDTER) on Return on Investment (ROI) at PT Semen Indonesia (Persero) Tbk during the period 2016–2023. The method used…
sed is descriptive associative with a quantitative approach, using secondary data in the form of the company's quarterly financial reports obtained through purposive sampling techniques. The analytical tools used include Pearson Product Moment correlation analysis, coefficient of determination (R²), t-test and F-test, and multiple linear regression. The results of the study show that DAR has a negative correlation with ROI of -0.607, while LTDTER also shows a negative correlation of -0.478, both of which are included in the weak relationship category. The coefficient of determination value of 50.4% indicates that half of the variation in ROI can be explained by the two independent variables, while the remaining 49.6% is influenced by other factors outside the study. The F test shows that DAR and LTDTER simultaneously have a significant effect on ROI. This finding confirms that a high debt-based capital structure has a negative impact on investment returns, making it important for financial management to consider the efficiency of long-term debt use and total debt in long-term financial strategies.
Abstract:Penelitian ini membahas implementasi sistem rights-based approach dalam aksesibilitas e-KTP bagi orang dengan gangguan jiwa (ODGJ) sesuai dengan Pasal 63 Ayat (1) Undang-Undang Nomor 24 Tahun 2013 tentang Administrasi Kependudukan,…
pendudukan, dengan perspektif siyasah syar'iyyah. Penelitian ini menggunakan metode kuantitatif dengan analisis deskriptif untuk menggali data dari sumber buku dan jurnal yang relevan. Meskipun undang-undang ini menjamin hak-hak ODGJ, data lapangan menunjukkan bahwa masih terdapat berbagai kendala dalam pelaksanaannya. Di antaranya adalah stigma sosial yang menghambat ODGJ untuk mengurus dokumen identitas, serta kurangnya pemahaman petugas administrasi mengenai hak-hak ODGJ. Aspek aksesibilitas fisik terhadap layanan publik juga menjadi hambatan utama, di mana lokasi pembuatan e-KTP sering kali tidak ramah terhadap aksesibilitas bagi ODGJ. Realita ini menunjukkan adanya kesenjangan antara ketentuan hukum dan pelaksanaan di lapangan, yang mengimplikasikan perlunya judicial review dan perbaikan kebijakan berbasis hak untuk menjamin aksesibilitas yang setara. Penelitian ini diharapkan dapat memberikan rekomendasi untuk perbaikan sistem pendukung bagi ODGJ dalam memenuhi hak identitas mereka.