Abstract:This study examines the relationship between the concept of Maqashid Al-Quran and the optimization of budget management in the context of Islamic economics. Using the systematic literature review method, this article collects…
lects and analyzes publications from Scopus indexed journals in the last 10 years to identify conceptual frameworks and indicators of budget efficiency that can be synergized with the principles of Maqashid Al-Quran. The findings of the study show that the implementation of maqashid values—such as the protection of soul, religion, intellect, descent, and property—can be the basis for formulating budgeting policies that are not only efficient but also socially just. In addition, this article develops an innovative analysis model, integrates budget efficiency indicators with the maqashid principle, and offers practical implementation recommendations for researchers and policymakers. The implications of this research are expected to help in the formulation of more holistic and progressive Islamic economic policies. This research has shown that the integration of the principles of Maqashid Al-Quran into budget management has the potential to improve fiscal policy by strengthening aspects of justice, transparency, and efficiency. Using the systematic literature review method, this article not only identifies gaps in the conventional literature, but also offers an innovative framework that can be used as a reference for researchers and practitioners in the development of Islamic economics. The implementation of this framework requires a joint commitment between stakeholders to reform fiscal governance and integrate ethical values at every policy stage. It is hoped that the results of this research will provide inspiration for the development of a long-term strategy that is progressive, based on maqashid in budget management, and will be an important contribution in realizing public governance that is fair, efficient, and oriented towards community welfare.
Abstract:Abstract This study is motivated by the financial literacy of generation Z and also the quality of life insurance products in Indonesia which are moderated by gender in influencing a person's interest in buying life insurance…
surance in Indonesia. This study uses a quantitative method with a descriptive relationship approach. Determination of the sample in this study was carried out by calculating using the Bernoulli formula, with a total of 384 respondents. The data analysis technique used is the Structural Equation Model - Partial Least Square (SEM-PLS). The results of the study show that financial literacy (X1) and product quality (X2) do not have a significant effect on buying interest (Y) where the p-values of both variables are <0.05. Other findings also state that Gender (Z) does not significantly moderate financial literacy and product quality. The conclusion of this study is that the factors that make generation Z interested in buying insurance products are influenced by their perceptions of financial literacy and product quality. More specifically, the perception of product quality factors has a significant and positive influence on generation Z's interest in buying life insurance products in Indonesia. The findings show that of the two variables, product quality can be the strongest predictor in predicting generation Z's interest in purchasing life insurance products. Financial literacy cannot significantly predict generation Z's interest in purchasing insurance products.
Keywords : financial literacy, product quality, gender, purchasing intention
Abstract:Allah created Prophet Adam (peace be upon him) not without purpose or intention. It was not merely to make the earth more vibrant, but the primary purpose was to appoint Adam (peace be upon him) as a khalifah—a leader on…
on earth. The role of a leader is to organize, manage, protect, preserve, and utilize all the resources that Allah has provided on this earth for the benefit and well-being of humankind. To fulfill his responsibilities as a leader, Allah prepared and equipped Adam (peace be upon him) with intellect and knowledge . In Surah At-Tin, verse 4, Allah explains: "Indeed, We created man in the best of stature," which means that Allah created humans in the most perfect form, endowed with intellect. With this intellect, humans are able to explore all of their potential for the benefit of humanity.
Abstract:This study aims to analyze the development strategy of cassava leaf-based animal feed ( Manihot utilissima ) in Sumberejo Village, Pagar Merbau District, Deli Serdang Regency. This study uses a nonprobability sampling method…
thod with a saturated sampling technique. With a total of 53 respondents consisting of 50 consumers, 1 business owner and 2 employees. This study uses primary and secondary data. This study uses multiple linear regression analysis to determine what factors influence the development strategy of cassava leaf animal feed and descriptive analysis to analyze the development strategy for the potential and opportunities of using cassava leaves as animal feed. This research method uses qualitative and quantitative analysis. The results showed that cassava leaves have a high crude protein content, which is around 20-30%, and contain crude fiber, fat, and minerals that are beneficial for livestock growth. Multiple linear regression analysis in this study shows that all independent variables have a significant effect on the dependent variable. Among these factors, the economic aspect makes the largest contribution, making it the main factor influencing the dependent variable. Furthermore, social aspects and external support also play a significant role in determining the results. In addition, other factors such as technology, resources, and marketing and distribution also have a significant impact, although with a smaller influence compared to economic and social aspects. Thus, the regression model shows a positive relationship between the independent variables and the dependent variable, so that improvements in these aspects will increase the dependent variable, with the main priority on economic and social aspects.
Abstract:The rapid transition to electric vehicles (EV) is driven by global environmental concerns and the need to reduce dependence on fossil fuels. In Indonesia, EV adoption faces challenges related to market dynamics, consumer…
behavior, and effective communication strategies. Marketing research and understanding consumer behavior aims to collect and obtain more detailed information and knowledge about customers towards electric vehicle products. Through this, it can understand customers and their tastes, preferences, reflect the future, and also help reduce the risk of product and business failure. Using Word of Mouth communication as part of a marketing strategy that can be carried out by companies in maintaining their business desires. In this article, the author tries to understand the concept of market research, consumer behavior, and the Word-of-Mouth communication model using a qualitative library observation approach, this study analyzes existing research on how these three factors contribute to the growth and long-term survival of the electric vehicle market. Market research provides insight into consumer preferences and market trends, offering important data to align EV products with consumer needs. Understanding consumer behavior is essential in overcoming perceived barriers, such as cost and infrastructure limitations, that hinder EV adoption. Meanwhile, word of mouth communication plays an important role in influencing consumer decisions by fostering trust and awareness of the benefits of EVs. The findings highlight the interconnections between these factors and their collective impact on the development of sustainable marketing strategies for EVs in Indonesia. This study provides valuable insights for stakeholders, including automotive companies and policymakers, in designing more effective marketing approaches that support the sustainable growth of the EV sector.
Abstract:Sunnah cupping therapy (al-hijamah) is a popular Islamic healing method practiced globally. Despite its spiritual roots, it poses clinical risks, including infections, vasovagal shock, and procedural inconsistencies, often…
en due to non-sterile tools and untrained practitioners. This study aims to explore how Islamic ethical values—sincerity (ikhlas), trust (amanah), and halal compliance—can be integrated with clinical responsibilities such as sterilization protocols, informed consent, and therapist competency. A thematic qualitative literature review was conducted using Islamic jurisprudence, fatwas (DSN-MUI), WHO and Ministry of Health (Indonesia) guidelines from 2015–2025. Findings reveal that neglecting the maqashid sharia principle of hifzh an-nafs (protection of life) contradicts both Islamic ethics and medical safety. Sunnah cupping services rooted in both spiritual values and professional protocols are more trusted by Muslim patients and improve therapeutic legitimacy. This study highlights the urgent need for national SOPs, certified training, and the development of Islamic cupping clinics with integrated protocols. These clinics can serve as models of sharia-compliant, clinically responsible health services. The research offers practical recommendations for Islamic medical institutions and policy-makers in strengthening Islamic-based complementary therapies in modern healthcare systems.
Abstract:In binding the sale and purchase agreement between two parties must be carried out and obeyed in accordance with Article 1338 paragraph (1) of the Civil Code states that an agreement made legally will bind the parties as…
binding as the law and become law for them. The agreed agreement will give birth to obligations that must be carried out by the parties, if not carried out, there will be default due to breach of the agreed agreement. As happened between Baniyamin as the buyer and the late Muhammad Husen as the seller in the binding of the shophouse sale and purchase agreement, there was a default due to the seller not delivering the object of sale and purchase, the buyer had fully paid the price of the shophouse but did not get his rights so that the buyer was disadvantaged in the sale and purchase agreement. The results showed that the buyer made several efforts to obtain his compensation rights for defaults made by the heirs starting from family settlements, giving warning letters twice but there was still no response, and filing a default lawsuit to the Court. The heirs' responsibility for the testator's debt initially planned to pay Rp. 50,000,000. This amount is insufficient from the total loss suffered by the buyer, so that at the time of mediation in the Court the buyer gave the option to the heirs to be able to make payments in stages with a minimum of paying half of the total loss suffered, but the heirs were not able to do so.
Abstract:This research is motivated by the condition of online buying and selling competition which is increasingly growing day in the community especially the students of syariah economic study program so that make the buyer interest.…
erest. Companies or stores should further develop ideas for customer satisfaction to continue to be interested in buying in e-commerce. This research formulates the problem of whether e-commerce has an effect on buyer's interest and how much e-commerce influence to buyer interest of syariah economy study program at IAIN Ambon. In this study, data were collected through questionnaire method to 32 respondents who had made a purchase in e-commerce in IAIN Ambon economic study program using research method is Research Type, Research Type, Research Data Sources, Data Collection Method, Population and sample, Technique Data Processing, Quantitative Data Analysis Technique. The result of this research indicate that there is e-commerce influence to buyer interest proved by t test value show the number 9,649 and its significance 0.000 <0,05 from result above hence there is significant influence between e-commerce and buyer interest. The result of determination coefficient analysis (R2) shows how big influence e-commerce to buyer interest that is 0,748 meaning 7,48% and the rest 25,2% influenced by other variable not discussed in this research.
Abstract:This study aims to assess the impact of the use of modern Alsintan on rice farming. rice farming in Maradekaya Village, Bajeng District, Gowa Regency. The informant retrieval technique in this study used the purposive sampling…
mpling method, where informants were determined intentionally. The level of adoption of modern agricultural machinery in Maradekaya Village is quite high, including the use of 4-wheel tractors, rice transplanting machines, and rice harvesting machines, which certainly greatly help the lives of farmers. The impact of using modern agricultural machinery brings many changes to the activities of rice farmers, such as a reduction in time and labor, a reduction in capital, and an increase in productivity that is more profitable than before using agricultural machinery technology. Farmers can more easily divide their time for other work besides farming with modern agricultural machinery. In addition, modern agricultural machine tools (Alsintan) make rice farmers' work time more efficient than before the existence of this technology in Maradekaya Village.
Abstract:Islamic values-based character education has an important role in shaping the morality and ethics of students in schools. However, the implementation of character education in Islamic Religious Education learning still faces…
aces various challenges, such as the lack of integration in the curriculum, ineffective learning methods, and the lack of parental and community involvement. This study aims to analyse the integration strategy of character education values in Islamic Religious Education learning in schools through a literature study approach. The method used is library research, by reviewing various scientific journals, academic books, and relevant policy documents. The results show that Islam-based character education can be effectively implemented through several strategies, namely affective approaches in teaching, integration of character values in the curriculum and extracurricular activities, active involvement of parents and communities, and habituation of Islamic values in school life. In addition, the role of teachers as role models and creators of a conducive learning environment determine the success of character education. The conclusion of this study confirms that effective character education requires a comprehensive and sustainable approach so that students can internalise Islamic values in their daily lives. The findings are expected to be a reference for educators and policy makers in developing more effective learning models in instilling Islamic-based character in schools.