Maliki Interdisciplinary Journal

Tinjauan kritis implementasi ham di indonesia berdasarkan sila keempat dan kelima : studi pancasila dan penegakan hak asasi manusia

2025-12-09T01:49:44+00:00

Human Rights (HAM) are the fundamental rights enjoyed by every human being by virtue of their dignity as a person. These rights are not granted by society or the state but are inherent simply because one is human. This study discusses and examines the implementation of Human Rights (HAM) in Indonesia by focusing on their relevance to the values of Pancasila, particularly the fourth and fifth principles. The fourth principle emphasizes the concept of democracy guided by the inner wisdom of deliberation and representation, which essentially teaches the proper and lawful practice of democracy. Meanwhile, the fifth principle underscores the importance of social justice for all Indonesian people. These two principles serve as philosophical foundations that guide the state in formulating policies and upholding human rights in Indonesia.The research method used is qualitative, employing a literature study approach. Data were collected and cited from books, academic journals, laws and regulations, as well as official government documents relevant to human rights and Pancasila in Indonesia. The analysis was conducted by examining the alignment between Pancasila principles and the actual implementation of human rights in Indonesia, then evaluating the ongoing challenges faced by Indonesian society in the political, social, and legal spheres.The results show that, normatively, Indonesia already possesses a strong legal framework, including the 1945 Constitution and Law No. 39 of 1999 on Human Rights. However, in practice, the implementation of human rights still faces serious obstacles. In terms of democracy, public participation often remains procedural, while substantial participation space is still very limited. On the other hand, the principle of social justice has not been fully realized due to economic inequality, discrimination against minority groups, and weak law enforcement caused by certain law enforcers who misuse their authority for personal interests. The conclusion of this study emphasizes that the implementation of human rights in Indonesia still requires strengthening and improvement both institutionally and culturally in political behavior.

Analisis kinerja keuangan Bank BCA Syariah melalui analisis rasio Beban Operasional Pendapatan Operasional (BOPO) periode 2020-2024

2025-12-09T01:39:29+00:00

Operational efficiency analysis is an important part of assessing the health of banking performance, especially for Islamic banks that are required to maintain stability, profitability, and transparency in their governance. One of the most widely used financial ratios to measure efficiency is the BOPO ratio (Operating Expenses to Operating Income), which provides an overview of the proportion of costs incurred by banks in generating business income. This study aims to evaluate the financial performance of Bank BCA Syariah through an analysis of the development of the BOPO ratio during the period 2020 to 2024 based on officially published financial reports. The results show that during the first three years, namely 2020–2022, the BOPO ratio experienced a consistent decline from 86.3% to 81.6%. This trend reflects improved operational efficiency, especially after the COVID-19 pandemic, which had an impact on increased financing risks and a decline in economic activity. In 2023, the BOPO reached its best value of 78.6%, indicating that the bank has been able to reduce operational costs while optimally increasing revenue. However, in 2024 there was a slight increase in the ratio to 79.5%, which remained within the efficiency limits according to Islamic banking regulations. This increase is estimated to be due to increased digital investment costs and service infrastructure development. Overall, Bank BCA Syariah demonstrated solid and adaptive operational performance, with the ability to manage costs and revenues effectively in the face of changing national economic conditions.

Lima pilar hukum islam: memahami esensi dan relevansi al-qawa'id al-fiqhiyyah al-kubra

2025-12-09T01:31:22+00:00

The complexity of contemporary legal issues, such as the digital economy, bioethics, and the environment, demands a systematic methodological framework in addressing fiqh issues, so this article comprehensively examines the philosophical essence and practical relevance of the Five Basic Principles of Fiqh (Al-Qawa'id Al-Fiqhiyyah Al-Kubra) as a universal foundation (kulli) and the main pillar in the Islamic legal system. These five fundamental principles include Al-Umuru bi Maqashidiha (Every matter depends on the intention), Al-Yaqinu La Yuzalu Bisy-Syak (Conviction cannot be removed by doubt, guaranteeing legal certainty), Al-Masyaqqah Tajlibu At-Taysir (Difficulty brings ease, the basis of rukhshah), Adh-Dhararu Yuzal (Harm must be eliminated, underpinning the protection of life and the environment), and Al-'Adatu Muhakkamah (Customs can be the basis of law, providing flexibility) not just theoretical tools. On the contrary, a deep understanding of these rules is the key to facilitating the determination of law (istinbath) on new cases, ensuring that fiqh can be presented as a more orderly, systematic, and adaptive science, so that it is relevant as a progressive solution to the challenges of the community in the modern era and globalization.

Pancasila sebagai paradigma pendidikan karakter membentuk generasi unggul dan berintegritas

2025-12-09T01:18:59+00:00

Pancasila is an open ideology that refers to a collection of doctrines and ideas embraced by the Indonesian people. Its main specialty is its open and flexible nature, which allows its basic values to remain strong, but its application can adapt to the times, modernization, and societal changes without losing its original meaning. As a paradigm, Pancasila functions as a framework for thinking, foundation, and the main benchmark for all aspects of national and state life, ensuring that development is always oriented towards divinity, just humanity, deliberative democracy, and the realization of social justice. In the context of character education, Pancasila places five principles as a moral compass that guides students to become people who are faithful and pious, just and civilized, love their homeland and are united, democratic and respect deliberation, and care for and strive to realize social justice. Specifically, the implementation of Pancasila values can develop a generation that has high superior and upholds moral principles and integrity. This character building focuses on five important elements: Religiousness, Nationalism, Independence, Mutual Cooperation, and Integrity, which are expected to provide reinforcement in the national education system so that the substance of Pancasila can be realized, thus producing a generation that is responsible and ready to maintain the integrity and progress of the nation.

Peran konstitusi dalam mewujudkan kontitusionalisme: di indonesia

2025-12-09T01:07:37+00:00

This study examines the role of the constitution and the Constitutional Court (MK) in upholding the principles of constitutionalism in the Indonesian state system. The Constitution serves as the supreme law that regulates the power structure, guarantees human rights, and limits the authority of state institutions through a mechanism of checks and balances. The Constitutional Court, as the guardian of the constitution, has the primary authority to review laws, resolve disputes over authority between state institutions, decide on election disputes, and decide on the dissolution of political parties. Through these authorities, the Constitutional Court acts as a bulwark in maintaining the supremacy of the constitution and protecting the constitutional rights of citizens. However, the implementation of constitutionalism still faces several challenges, such as political pressure, low public understanding of the Constitutional Court's function, and issues of integrity among law enforcement officials. This study emphasizes that the effectiveness of constitutionalism requires fairly enforced laws, an independent judiciary, and active public participation to strengthen a democratic legal culture.

Implementasi HAM berlandaskan Pancasila dan Demokrasi: Penegakan hukum oleh Lembaga peradilan di Indonesia

2025-12-09T01:01:06+00:00

The implementation of human rights in Indonesia is based on the ideals of Pancasila and democratic values, which emphasize human dignity as the fundamental basis for law enforcement. This study aims to analyze the implementation of Pancasila-based human rights values and the principles of a democratic state in the law enforcement process by judicial institutions in Indonesia. The methodology used is a qualitative technique utilizing a literature review of laws, court decisions, and related scientific literature. The results of the study indicate that judicial institutions have attempted to implement the values of humanity, justice, and equality in trials, although obstacles remain such as inappropriate decisions, limited access to justice, and political interference. The implementation of Pancasila values, particularly the second and fifth principles, is reflected in efforts to protect human rights through fair and transparent judicial procedures that lead to the upholding of fundamental justice. This study concludes that institutional strengthening and optimization of a Pancasila-based legal culture are necessary to ensure effective and just enforcement of human rights in the judicial system. One of the key elements in creating or restoring balance within society is the enforcement of law through a judicial system that is fair and consistent in applying every legal provision and in addressing various violations. The principle of judicial independence is a universal norm that is widely recognized. An important step that needs to be taken to increase public awareness of human rights and to encourage public participation in monitoring the law enforcement process so that it becomes more effective and comprehensive.

Peminangan dalam kompilasi hukum islam: antara legalitas yang tidak mengikat dan realitas sosial yang mengikat

2025-12-09T00:54:39+00:00

Khitbah or betrothal is the initial stage before the marriage contract, which has an important position in Islamic family law. In the Compilation of Islamic Law (KHI), khitbah is regulated normatively through Articles 11-13 but does not place it as a legally binding civil contract. In reality, Indonesian society interprets betrothal as a social and moral institution that has binding power in terms of customs and family ethics. The inconsistency between the formal legal position, which is not binding, and the binding social practice creates new problems, especially in terms of betrothal cancellation, return of gifts, and the dissemination of information through social media. This article uses a normative method with a sociological approach to examine the position of khitbah in the KHI and its contradictions. Meanwhile, a sociological approach is used to understand how society internalizes the meaning of khitbah in a cultural and moral context. Studies on khitbah have tended to fall into two broad categories. First, normative legal research affirms that khitbah is not a contract that gives rise to legal consequences, as reflected in the research of Ahmad Mustakim (2022) and Indira Ramadhani Lisyanto (2024). However, studies that integrate both perspectives comprehensively, especially in the context of the Compilation of Islamic Law (KHI) as a legal product in Indonesia, are still limited. This is important because in social practice, khitbah is often considered a social contact that creates expectations and responsibilities between families. Therefore, this article offers an interdisciplinary analysis between fiqh, KHI, and sociology to explain the duality between “non-binding legality” and “binding social reality.”

Evaluasi kinerja keuangan bank syariah indonesia melalui debt to asset ratio: implikasi terhadap struktur pendanaan dan stbilitas operasional

2025-12-09T00:49:36+00:00

The evaluation of Bank Syariah Indonesia’s financial performance through the Debt to Asset Ratio during the 2020–2024 period provides an overview of the bank’s solvency condition and its ability to manage its funding structure. The analysis of the Debt to Asset Ratio is used to examine the extent to which the bank’s assets are financed by liabilities and how this level of leverage reflects its operational stability. Changes in the Debt to Asset Ratio from year to year indicate the dynamics of funding management related to the effectiveness of risk management, asset growth capacity, and the sustainability of the bank’s operations. Through an observation of the movement of the Debt to Asset Ratio over the five-year period, this study provides insights into the relationship between solvency ratios, funding efficiency, and the institution’s resilience to financial pressures. The results of this analysis are expected to offer a holistic perspective on the role of the Debt to Asset Ratio in strengthening the funding foundation and supporting the operational stability of Bank Syariah Indonesia.

Perkembangan Bahasa dan Sastra Masa Bani Abbasiyah II

2025-12-09T00:44:16+00:00

The Abbasid period, especially the second phase (232–334 AH / 847–945 AD), was an important period in the development of Arabic language and literature. Although Abbasid political power began to weaken, intellectual, cultural, and social dynamics encouraged innovation in literature. Factors such as the importance of preserving the purity of the Arabic language, religious fervor, the emergence of various ethnic groups in government, and the development of science had a major influence on changes in language and literary style. During this period, literary themes and genres became increasingly diverse, especially in the form of poetry and prose. Poetry was no longer confined to classical traditions but underwent renewal with the emergence of genres such as siyasiyah, madh, hija', ghazal, al-lahwu wa al-mujun, thardiyyat, and zuhdiyyat. Meanwhile, prose progressed through allegorical, philosophical, and moralistic works. These developments show that Abbasid II literature was not only an aesthetic medium, but also a means of social, political, intellectual, and spiritual expression. Thus, the Abbasid II period can be considered an important period for the formation of a more dynamic and culturally rich Arab literary identity.

Analisis profitabilitas bank syariah indonesia (BSI) tahun 2020–2024 menggunakan pendekatan return on equity (ROE)

2025-12-09T00:35:36+00:00

This research looks into how Bank Syariah Indonesia (BSI)'s profitability has grown from 2020 to 2024, focusing on the Return on Equity (ROE) ratio. We picked ROE as the main measure since it shows how well the bank turns shareholders' equity into net profits, which is a key sign of how effectively management handles things. We're using a descriptive quantitative method, pulling secondary data from BSI's annual reports over those years. What we found is a steady rise in BSI's ROE: starting at 11.18% in 2020, jumping to 13.71% in 2021, then up to 16.84% in 2022, holding at 16.88% in 2023, and hitting 17.77% by 2024. This climb points to better bank management in making the most of capital for profits. Our results match up with earlier studies that say Islamic bank profitability depends on things like solid financing, smooth operations, and strong asset quality. Hopefully, this can give useful info to academics, regulators, and folks in the Islamic banking world about how profitability is doing in Indonesia.

Dimensi moral dan sosial dalam hikmah pensyariatan ḥadd al-zinā perspektif ali ash-shabuni

2025-12-09T00:24:11+00:00

This article examines the moral and social dimensions embedded in the wisdom behind the legislation of ḥadd al-zinā according to the perspective of Ali ash-Shabuni, a contemporary Qur’anic exegete known for emphasizing public welfare within legalistic interpretations. In modern society, zina is not merely a private moral transgression but a social issue with profound impacts on family integrity, social stability, and lineage preservation. Employing a descriptive-analytical method, this research explores ash-Shabuni’s views as presented in Ṣafwah al-Tafāsīr and Rawā’i‘ al-Bayān to understand how Islamic law aims to safeguard moral order and social harmony through the legal framework of ḥadd al-zinā. The findings indicate that ash-Shabuni interprets the punishment for zina not solely as retribution or deterrence, but as a broader mechanism to preserve human dignity, protect lineage, and strengthen collective morality. This study also highlights the relevance of ash-Shabuni’s socio-ethical hermeneutics in addressing contemporary moral challenges while filling the scholarly gap left by previous studies that predominantly focus on legal-formal aspects without engaging the underlying wisdom of the legislation.

Return on equity bca syariah 2020–2024: suatu kajian kritik finansial terhadap efisiensi, pertumbuhan ekuitas, dan manajemen risiko

2025-12-08T07:26:31+00:00

This study evaluates the Return on Equity (ROE) performance of PT Bank BCA Syariah over 2020–2024 from a financial critique perspective. Using secondary data from BCAS annual reports and empirical literature on profitability determinants in Islamic banking, the paper disentangles contributions from operational efficiency, equity dynamics, and asset quality to ROE changes. ROE rose from 3.1% to 5.9% over the period; the rise was driven by net income growth and improved cost efficiency, while very low NPF reduced provisioning needs. A critical reading cautions that ROE interpretation must account for denominator effects (equity growth) and risk-management strategies. The paper recommends comparative studies and use of complementary metrics to assess profit sustainability.

Hukum menikahi wanita hamil sebab zina perspektif 4 mazhab

2025-12-08T07:20:58+00:00

This article discusses marriage in Islam as an act of worship that carries important wisdom, such as fulfilling biological needs, maintaining personal purity, and building a harmonious family. Based on the Qur'an and Hadith, marriage is permitted, recommended, or obligatory under certain conditions, such as to avoid committing zina (unlawful sexual relations). The differences in scholars' opinions regarding the laws of marriage highlight the flexibility of Islamic law in accommodating individual circumstances. Furthermore, this article examines the legal status of marriage with a pregnant woman as a result of zina from the perspectives of the four major schools of Islamic jurisprudence (mazhab) and explores the status of a child born as a result of zina, who is only to be attributed to the mother, with the consequence of no legal mahram relationship or inheritance rights. Overall, this article provides an understanding of the laws governing marriage, the case of a woman pregnant due to zina, and its legal consequences in Islam.

Strategi manajemen kesiswaan di sekolah dasar tanpa guru bk: studi kasus di sd aisyiyah

2025-12-08T03:53:36+00:00

This article examines student management strategies in SD Aisyiyah, which operates without a formal Guidance and Counseling (BK) teacher. Through observation and interviews, it was found that the school has developed a collaborative internal system involving homeroom teachers, subject teachers, and the principal to address student issues. Problems are resolved step-by-step through internal discussion and parent involvement. Additionally, extracurricular activities and student monitoring books are used as tools for character development and behavior control. The findings indicate that even in the absence of a BK teacher, schools can create an effective mentoring environment. The article recommends training for non-BK teachers and strengthening the monitoring system as an alternative to basic counseling services in elementary schools.

Antara kebebasan dan tanggung jawab: kesehatan mental di era perkuliahan

2025-12-08T03:46:20+00:00

University life is an important phase in a person's life, but it often becomes a source of pressure that can affect mental health. With increasing academic demands, students are frequently faced with the dilemma of pursuing personal freedom while meeting academic and social obligations. Research shows that excessive freedom, without an accompanying awareness of responsibility, can lead to stress, anxiety, and other mental health issues. Through a qualitative approach, this article explores students' experiences in balancing freedom and responsibility, as well as the impact on their mental health. It is found that social support, good time management, and awareness of personal limits are key factors in maintaining mental well-being. This article aims to provide insights for educators and policymakers in creating an academic environment that supports students' mental health.The university period is a transitional phase that requires students to balance newfound freedom with increasing responsibilities. This article explores the dynamics between freedom and responsibility in the context of students' mental health. With rising academic, social, and financial demands, students often experience pressure that can negatively impact their mental well-being. This study will discuss various factors influencing students' mental health, such as academic pressure, social isolation, and financial issues. Additionally, the article will present strategies that can be implemented by students, educational institutions, and society at large to support students' mental health.

Pancasila dan keadilan hukum

2025-12-08T03:25:06+00:00

Pancasila as the foundation of the Unitary State of the Republic of Indonesia has an important role in the formation of the legal system in Indonesia. As a state ideology, Pancasila is not only a normative guideline, but also directs the implementation of law to create social justice. The noble values contained in Pancasila, such as justice and substantive procedures, provide a foundation for law enforcement that is fair, equitable, and in accordance with humanitarian principles. However, the application of Pancasila in the legal system faces various challenges, including corrupt practices, legal inequality, and low public legal awareness. This article discusses the role of Pancasila in building legal justice in Indonesia and strategic efforts to overcome these challenges. The conclusion drawn is the importance of collective commitment from the government, law enforcement officers, and the community in implementing the values of Pancasila to create a just and equitable legal system.

Eksplorasi pentingnya pencegahan financial fraud pada konteks jual beli di platform digital

2025-12-08T03:19:31+00:00

Buying and selling transactions on digital platforms have become an integral part of modern life, but this development is accompanied by an increased risk of financial fraud. Financial fraud can cause serious impacts, including material loss for users & reputational damage for platform providers. This abstract discusses the importance of preventing financial fraud through a proactive approach, for example strengthening security systems, using synthetic intelligence technology for fraud detection, and digital literacy education for users. With these steps, digital platforms can build a safer transaction environment, increase consumer confidence, & encourage sustainability in the digital economy. This research contributes to more effective financial fraud prevention efforts in the digital era.

Klasifikasi ijtihad dan mujtahid dab kedudukan ijtihad dan fatwa dalam islam

2025-12-08T03:10:37+00:00

This paper discusses in detail the concept of ijtihad, the types of mujtahids, and the role of ijtihad and fatwa in the Islamic legal system. Ijtihad is defined as a mujtahid's maximum effort to research and determine sharia law from primary sources such as the Qur'an and hadith, as well as additional sources such as ijma' and qiyas. In practice, ijtihad has various classifications, both based on method, perpetrator, and legal object, which demonstrates the ability of Islamic law to adapt to various problems faced by the community. This paper also explains the various types of mujtahids, depending on the level of ability and the method of ijtihad used, ranging from absolute mujtahids to murajjih mujtahids. In addition, the relationship between ijtihad and fatwa is discussed, where the fatwa is the end result of the ijtihad process, although it is not always binding. Fatwa is a response to real problems, while ijtihad encompasses a broader legal analysis. In conclusion, ijtihad and fatwa are two crucial tools in the dynamics of Islamic law, which can only be implemented by individuals with adequate knowledge. Both play a crucial role in facing the challenges of the times while remaining grounded in sharia principles. Therefore, the existence of mujtahids and the strengthening of ijtihad institutions are crucial to maintaining the relevance and sustainability of Islamic law.

Sebuah tinjauan: Meningkatkan keterampilan pendidikan bahasa inggris di Uin Mataram

2025-12-08T02:56:49+00:00

This article discusses the improvement of the quality of English learning in the English Education Study Program of UIN Mataram. With the increasing need for English in this global era, this study program is committed to preparing students to compete at national and international levels. Therefore, UIN Mataram holds orientation activities that include TOEFL tests and introduction to IELTS. This article uses the library research method, where this article looks at how UIN Mataram implements a curriculum that combines Islamic values with English learning. The results of this activity show that UIN Mataram is committed to improving the quality of education to produce graduates who are not only proficient in English but also understand the cultural and moral context.

Pembangunan ibu kota nusantara (ikn): antara peluang strategis dan tantangan transformasi nasional

2025-12-08T02:50:28+00:00

The relocation of the national capital from Jakarta to Nusantara Capital City (IKN) in East Kalimantan represents a strategic national policy with multidimensional impacts, encompassing political, economic, social, cultural, and environmental aspects. This policy not only reflects the intention to ease the burden on Jakarta but also serves as a manifestation of equitable development and Indonesia’s transformation toward becoming an advanced and sustainable nation. Through a normative approach and literature review, this article highlights legal principles, governmental adages, regional development theories, and policy insights from other countries that have undertaken similar initiatives. The findings indicate that the development of IKN holds strategic potential to become a catalyst for national development, yet it must be accompanied by holistic planning and inclusive public participation.

Hubungan antara kualitas tidur dan kesejahteraan psikologis pada mahasiswa

2025-12-08T02:43:03+00:00

In Good sleep quality is an important factor in maintaining psychological well-being, especially for students who often face academic, social and emotional pressures. Poor quality sleep can negatively impact mental health, increasing the risk of stress, anxiety, mood disorders, as well as decreasing endurance and cognitive function. Sleep deprivation can also hinder students' ability to manage academic and interpersonal pressures, ultimately contributing to decreased learning motivation and academic performance. Conversely, adequate and quality sleep can improve concentration, emotional stability and overall well-being. Regular sleep patterns play an important role in maintaining hormonal balance and the nervous system, which contributes to increased resilience to stress and long-term happiness. Therefore, awareness of the importance of maintaining sleep quality needs to be raised so that students can achieve optimal psychological well-being. By adopting healthy sleep habits, students can improve their quality of life and ability to deal with academic and social challenges more effectively.

Peran kecerdasan buatan dalam pemetaan risiko ekonomi makro

2025-12-08T02:37:51+00:00

The development of Artificial Intelligence (AI) has revolutionized approaches to macroeconomic analysis, particularly in mapping complex, dynamic, and multidimensional risks. This article explores the role of AI in identifying, forecasting, and managing macroeconomic risks through the application of machine learning algorithms, natural language processing, and other predictive modeling systems. The study examines AI’s contribution to forecasting key macroeconomic indicators such as inflation and economic growth, as well as its use in nowcasting and early warning systems for systemic crises. In the Indonesian context, AI has begun to be integrated into the measurement of economic uncertainty through text data processing of online news sources. Despite its promising potential, the application of AI still faces challenges such as data limitations, ethical issues, and the need for model interpretability. Using a descriptive-qualitative approach and literature review from national (SINTA) and international (Scopus) journals, this article highlights the importance of cross-sector collaboration and good governance in optimizing the role of AI in strengthening macroeconomic resilience both nationally and globally.

Kesadaran demokrasi

2025-12-08T02:30:12+00:00

This journal examines Democratic awareness which includes understanding and experiencing democratic values. It involves the awareness of individuals and society about their rights and obligations in a democratic system. Democratic awareness includes understanding of values such as participation, freedom, and justice. In a democratic society, democratic awareness is very important to build a harmonious relationship between individuals, society, and the state. This awareness allows individuals to understand their rights and obligations, and to actively participate in the political process. Democratic awareness also involves experiencing the importance of freedom and justice. This means that individuals and society must understand that freedom and justice are rights that must be protected and fulfilled by the state. Thus, democratic awareness is an important concept in building a democratic and just society. This awareness allows individuals and society to understand their rights and obligations, and to actively participate in the political process to build a better society. This journal also emphasizes the importance of democratic awareness in order to build a harmonious relationship between individuals and the state.

Edukasi hukum digital dalam meningkatkan kesadaran pengguna terhadap serangan phishing di whatsapp

2025-12-08T02:23:08+00:00

The development of digital technology, especially the use of WhatsApp, brings many conveniences in daily communication, but also raises risks, such as increasingly rampant phishing attacks. One striking case is fraud through fake invitations on WhatsApp, which causes victims to lose personal data and suffer financial losses. This study aims to analyze the phenomenon of phishing on WhatsApp and propose a solution in the form of digital legal education to increase public awareness of the threat. This study uses a literature review method to formulate relevant solutions. Data were collected from the Electronic Information and Transactions Law (UU ITE) and related literature, and critically analyzed to obtain strategic steps to prevent phishing. The results of the study show that digital legal education that focuses on understanding the ITE Law, especially Articles 28 and 30, is expected to help the public understand the dangers of phishing and steps to prevent it. Strategies such as socialization of the ITE Law through digital platforms, webinars, collaboration with influencers, and strengthening digital literacy are predicted to be effective in increasing public awareness. Digital legal education can be an important solution in minimizing losses due to phishing, while also supporting the creation of a safe and protected digital ecosystem.

Deteksi otomatis cyberbullying di media sosial: integrasi teknologi dan tantangan sosial remaja

2025-12-08T02:16:28+00:00

The phenomenon of cyberbullying is increasingly prevalent in the digital era, especially among teenagers who actively use social media. Conventional methods of moderating content are considered ineffective in addressing this problem. Therefore, automatic detection technology based on machine learning and natural language processing (NLP) was developed to recognize speech containing bullying actions. This article is a literature review that discusses the effectiveness of various computational methods in detecting cyberbullying, with a focus on language characteristics, classification models, and annotation techniques. This study also mentions the importance of considering the roles of perpetrators, victims, and witnesses in improving detection accuracy, as expressed by Van Hee et al. (2018). The results of the study indicate that automatic detection can be a tool in proactively moderating content, as long as it is implemented with ethical considerations and balanced with digital education efforts. The main contribution of this study is to develop a cyberbullying detection strategy that can form the basis for developing an intelligent moderation system and to prevent cases of online bullying among teenagers.

Membangun perpustakaan ramah disabilitas: menuju inklusi dan kesetaraan akses

2025-12-08T02:10:11+00:00

This article discusses the importance of establishing disability-friendly libraries as a means of achieving inclusion and equitable access to information for people with disabilities. While access to information is a fundamental right, individuals with disabilities still face numerous barriers, both physical and non-physical. This article explores the criteria and standards for disability-friendly libraries, encompassing physical accessibility, technology, and services. Furthermore, it identifies implementation challenges, such as financial constraints, lack of awareness, limited human resources, and inadequate regulations. To overcome these obstacles, the article proposes a comprehensive strategy that includes integrated planning, strategic partnerships, effective socialization, ongoing monitoring and evaluation mechanisms, and the development of staff training curricula. By implementing this strategy, libraries can become inclusive and empowering learning centers for all members of society.

Peningkatan kemampuan berbicara (speaking) siswa melalui metode role play pada mata pelajaran bahasa inggris

2025-12-08T02:04:35+00:00

This study examines the effectiveness of using the role play method in improving English speaking skills among adolescent students. The approach used is a qualitative descriptive study with data collection through observation, interviews, and documentation of learning activities in the classroom. The results show that the role play method has a positive impact on improving students' speaking skills, including courage, vocabulary mastery, and understanding of sentence structure in real contexts. In addition, this method increases students' motivation and confidence in using English actively and communicatively. The effectiveness of the role play method is influenced by the relevance of the scenario used as well as the fun and collaborative learning atmosphere. Therefore, it is recommended that teachers choose scenarios that are appropriate to the learning material and combine role play with discussion to strengthen students' understanding. This research emphasizes the importance of creating an interactive and supportive learning environment so that students can develop their English speaking skills optimally.

Pengaruh program mentoring guru terhadap peningkatan kompetensi dan kepuasan kerja

2025-12-08T01:57:43+00:00

This study aims to analyze the influence of teacher mentoring programs on improving competence and job
satisfaction. The mentoring program is designed as a strategic effort to strengthen teachers' professional
abilities through mentoring and sharing of experiences in a systematic manner. The research method used is
quantitative with a survey approach, where data is collected through questionnaires and analyzed using
inferential statistical techniques. The results of the study show that mentoring programs have a significant
positive influence on improving teachers' pedagogic and professional competence. In addition, mentoring
also contributes to increasing job satisfaction, especially in aspects of career development, interpersonal
relationships, and work motivation. These findings confirm the importance of implementing mentoring
programs in a sustainable manner to support the quality of education and teacher welfare.

Peran kebijakan negara dalam mengatasi ketimpangan sosial dan ekonomi di indonesia

2025-12-08T01:46:14+00:00

Social and economic inequality in Indonesia is a complex issue caused by uneven wealth distribution, rapid urbanization, and limited access to education and basic services for the community. This situation negatively impacts social stability and national progress, while also increasing the threats of social conflict and crime. The Indonesian government has implemented various programs to reduce these disparities, including wealth redistribution, infrastructure development, improving access to education and healthcare, and reforming the tax system. However, the effectiveness of these policies still faces many obstacles, such as political, economic, and cultural challenges. This research aims to explore the causes, consequences, and the role of government policies in addressing social and economic inequality in Indonesia. Through literature review and recent statistical data, this report emphasizes the need for data-driven policy development and inclusive approaches to achieve social justice. The recommendations include enhancing inter-agency coordination, strengthening community participation, and innovating social and economic policies as strategic steps toward a fairer and more prosperous society.

Dampak pengangguran terhadap tingkat kemiskinan di indonesia

2025-12-08T01:39:24+00:00

This study discusses the impact of unemployment on poverty levels in Indonesia. Unemployment is a significant economic issue that contributes to widespread poverty. In this research, we explore the relationship between unemployment and poverty, as well as the factors influencing both. Data shows that high unemployment rates negatively affect family income, hindering their ability to meet basic needs. Furthermore, the analysis indicates the need for reforms in the education system and labor policies to create quality jobs. This research aims to provide effective policy recommendations to reduce unemployment and enhance community welfare. High unemployment rates not only reduce individual income but also impact the well-being of families as a whole. Families with unemployed members tend to struggle to meet basic needs, contributing to an increase in the number of individuals living below the poverty line.

Jejak Integrasi Ilmu dan Iman dalam Teknologi Islam: Kontribusi Al-Khwarizmi dan Al-Jazari

2025-12-08T01:27:50+00:00

Modern science and technology are often developed separately from religious values, leading to a gap between science and spirituality. In contrast, the history of Islamic civilization shows that Muslim scholars built their scientific endeavors upon the foundation of tawhid (divine unity). This article aims to explore the integration of science and faith in Islamic technology through the contributions of two major figures: Al-Khwarizmi and Al-Jazari. This study employs a qualitative approach using a library research design and content analysis of relevant primary and secondary sources. The findings reveal that Al-Khwarizmi developed mathematics as an instrument for implementing Islamic law, such as in the calculation of zakat, inheritance, and prayer times. Meanwhile, Al-Jazari designed mechanical technologies that were not only functional but also rich in spiritual and symbolic meaning, such as order and harmony that reflect the principle of tawhid. Based on this analysis, a consistent integrative pattern between scientific and spiritual dimensions is evident in both scholars' works. This study concludes that the contributions of Al-Khwarizmi and Al-Jazari form a significant foundation for developing an Islamic scientific paradigm that integrates reason, revelation, and ethical values in the advancement of modern science and technology.

Peran Masyrakat Dalam MPeran masyrakat dalam menjaga moral agar terhindar dari perilaku tercelanjaga Moral Agar Terhindar Dari Perilaku Tercela

2025-12-08T01:22:11+00:00

Morality is the main pillar in building a harmonious social life, but despicable behaviors such as greed, cunning, riya', persecution, and discrimination are increasingly prevalent in modern society. This research aims to discuss the role of society in maintaining morality to prevent despicable behavior. The method used is qualitative with a descriptive approach, involving observation of social interactions and data collection from various sources. The results show that families have a dominant role in shaping the moral character of individuals, but many families experience difficulties in implementing effective moral education due to the influence of consumptive culture and individualism. Community participation in maintaining morality varies, with some communities having strong moral education programs. Synergy between individuals, families, educational institutions and public policy is essential in maintaining morality. With social support and exemplary behavior from community leaders, it is hoped that despicable behavior can be minimized and a better social environment can be realized.

Toleransi dalam keberagaman: mewujudkan kehidupan damai di indonesia

2025-12-08T01:09:42+00:00

The importance of tolerance in maintaining a peaceful life in the midst of ethnic diversity, religion, race, and culture in Indonesia. Tolerance is understood as an attitude of respect and respect for differences, as well as the main foundation in strengthening national unity. Supporting factors The creation of tolerant attitudes includes multicultural education, inclusive religious understanding, the role of community leaders, and government policies that encourage social inclusion. Meanwhile, intolerance, fanaticism, and social inequality are the main challenges that need to be overcome. Education, the media, religious leaders, and the government have a strategic role in instilling the values of tolerance to the community. The strategies offered include strengthening character education, socializing multiculturalism values, and the use of local wisdom. With the collaboration of various parties, it is expected to create a harmonious and mutually respectful society in diversity.

Penalaran aljabar siswa dalam menyelesaikan soal sistem pertidaksamaan linear dua variabel

2025-12-08T00:56:27+00:00

Mathematics has an important role in developing the ability to think critically, logically, systematically, and creatively. One of the skills that support mastery of mathematics is algebraic reasoning. This study aims to describe students' algebraic reasoning in solving two-variable linear inequality system problems based on three aspects according to Van de Walle, namely generalization, symbolic representation, and relationship exploration. This study used a descriptive qualitative approach with data collection techniques in the form of observation, document analysis, and interviews with two subjects. The results showed that both subjects were able to present mathematical models and draw SPtLDV graphs, although there were deficiencies in compiling tabular representations; and stating complete variable boundaries. In the relationship exploration aspect, the subjects determined the solution point from the graph, but only one subject realized the substitution alternative after being given a stimulus. Meanwhile, generalization ability was still limited because the conclusions drawn did not cover all the information in the problem. These findings indicate the need for emphasis on developing generalization ability and symbolic reflection in mathematics learning.

Peran sanksi administrasi dalam menegakkan kepatuhan perpajakan di indonesia

2025-12-05T08:13:37+00:00

One of the main pillars supporting a nation's economic growth is taxation. For an efficient tax system to function, taxpayer compliance is essential. Penalties, including fines, interest, and more severe measures, are used in Indonesian tax administration not only as a form of punishment but also as a means of enforcing discipline and encouraging taxpayers to abide by applicable laws. The various forms of tax administration fines, their legal foundation, and how the processes for enforcing them help taxpayers comply better are all covered in this article. Since administrative fines entail strict regulations and enforcement, it is anticipated that they will improve the fairness, responsibility, and orderliness of the tax environment.

Integrasi etnomatematika dalam kurikulum sekolah

2025-12-05T07:56:21+00:00

This study is a qualitative descriptive research using a literature review and exploration of empirical data from various ethnomathematical studies in Indonesia. The purpose of this study is to analyze the integration of ethnomathematics into the school curriculum as a contextual approach relevant to local cultural values. Data sources include scientific articles, field research results, and education policy documents. The results show that ethnomathematics can enhance students’ learning motivation, conceptual understanding of mathematics, and appreciation for culture. Implementation strategies include teacher training, development of culturally-based teaching materials, and collaboration between schools and communities. This approach also addresses the challenges of conventional mathematics instruction that is often abstract and less meaningful. Integrating ethnomathematics into the curriculum contributes to character development, cultural preservation, and the achievement of contextual and engaging learning.

Implementasi Media Pembelajaran Papan Statistika 3M Pada Materi Ukuran Pemusatan Data Dalam Meningkatkan Pemahaman Siswa Kelas VII B mts Hasyim Asy’ari

2025-12-05T07:47:06+00:00

Mathematics is a basic subject that must be present at every level of education, but mathematics learning often causes a decrease in student interest in student learning in class, this also plays a role in decreasing student learning outcomes in mathematics lessons. Mathematics lessons that seem boring and monotonous make students more lazy to follow the lessons, so there needs to be variation in providing mathematics materials in class. The use of 3M Statistics Board learning media for class VII B MTs students can increase student interest in learning mathematics in class, as well as help students to be more accustomed to facing exams or questions related to data centralization and make it easier for students to continue working on the questions that have been given optimally. Based on the research results, it was found that with the 3M Statistics Board learning media, it was able to improve student learning outcomes, which were initially low, to an increase from 55% to 95%, and students' understanding of the questions given increased.

Pengembangan media pembelajaran “alphabet flip” untuk meningkatkan kemampuan keaksaraan anak usia 4-5 tahun

2025-12-05T07:34:14+00:00

This study aims to develop an interactive learning media called “Alphabet Flip” to improve literacy skills in children aged 4–5 years. The development of this media was motivated by the observed low interest and ability of young children in literacy-related activities, compounded by the lack of concrete, enjoyable, and age-appropriate learning tools. The research employed the Research and Development (RnD) method using the ADDIE model, which consists of five stages: Analysis, Design, Development, Implementation, and Evaluation. “Alphabet Flip” is a flip board designed with engaging visual elements, featuring activities such as tracing letters, word writing, solving mazes, and introducing healthcare professions as contextual themes. Expert validation results indicated that the media is highly appropriate for classroom use. Trial implementation at TK Muslimat NU 2 Singosari showed positive student responses and noticeable improvement in letter recognition, distinguishing uppercase and lowercase letters, and writing simple words. Final evaluations confirmed the media's feasibility, practicality, and effectiveness in enhancing early literacy skills in young children. This media also fosters an enjoyable and meaningful learning atmosphere through multisensory and contextual approaches.

Risiko ESG (Environmental, Social, Governance) dalam Bank Syariah : Integrasi Nilai Syariah dengan Praktik Keberlanjutan

2025-12-05T07:26:47+00:00

This study aims to analyze the integration of Environmental, Social, and Governance (ESG) principles with sharia values in risk management in Islamic banks. As global attention to sustainability issues increases, Islamic banks are faced with the challenge of maintaining compliance with sharia principles while adopting the ESG framework as a global standard in governance and risk management. Through a qualitative descriptive approach with literature studies and reviews of several Islamic banking practices, this study found that there is value alignment between ESG and basic sharia principles such as fairness, sustainability, and social responsibility. Environmental, social, and governance risks that arise in the operational activities of Islamic banks can be effectively mitigated through the Maqashid Sharia principles and Islamic Corporate Governance mechanisms. These findings indicate that ESG integration not only strengthens the resilience of Islamic banks to external risks but also strengthens the ethical and spiritual values that are the foundation of the Islamic financial system. This study recommends strengthening regulations, increasing human resource capacity, and developing a sharia-based ESG framework as strategic steps towards more sustainable Islamic finance.

Analisis manajemen risiko teknologi digital dalam layanan m-banking pada bank syariah: studi literatur

2025-12-05T07:17:57+00:00

The growth of mobile banking services in Islamic banking has brought transactional convenience but also introduced digital risks such as cybercrime, data breaches, and human error. This study aims to analyze the implementation of risk management in facing these digital challenges through a literature review of various scholarly sources, journals, and relevant articles. The findings reveal that effective risk management comprising identification, assessment, control, and monitoring is essential to maintain the resilience and credibility of Islamic banks. Compliance with OJK regulations and IFSB standards also plays a critical role in ensuring that Sharia principles align with technological advancement. Additionally, customer education and improved digital literacy serve as significant supporting strategies. This study is expected to contribute to the development of more structured and systematic digital risk management strategies to establish secure, reliable, and sustainable Islamic banking services in the digital era.

Manajemen risiko kepatuhan di lembaga keuangan syariah : tinjauan konseptual dan regulasi

2025-12-05T07:11:46+00:00

Compliance risk is a critical issue in ensuring the integrity and sustainability of Islamic financial institutions. This risk arises when institutions fail to comply with applicable regulations or violate the principles of Sharia. This study aims to explore the conceptual foundation of compliance risk management, examine the regulatory framework governing Islamic financial institutions, analyze the alignment with Sharia governance principles, and identify major challenges and strategic solutions. Using a literature review method, this research synthesizes findings from academic journals, regulatory documents, and previous studies relevant to compliance practices in Islamic banking. The results show that effective compliance risk management requires a robust Sharia governance structure, competent and independent Sharia Supervisory Boards, and strong internal coordination. The challenges include limited Sharia literacy among personnel, inadequate technical regulations, and weak organizational integration. To address these issues, Islamic banks must invest in continuous training, establish independent Sharia compliance units, and enhance transparency in handling non-halal funds. Strengthening compliance culture and regulatory harmonization—both nationally and regionally—are key to building trustworthy and resilient Islamic financial institutions in the face of global economic dynamics.

Analisis manajemen risiko layanan mobile banking pada bank konvensional

2025-12-05T07:05:39+00:00

Increasing competitiveness is an important step for banks to remain relevant in a competitive market. This can be achieved through the implementation of planned strategic management, including analysis of the business environment, appropriate strategy formulation, and effective implementation. In addition, technological innovation and digitalization, as well as human resource development, are key factors in creating competitive advantage. However, banks are also faced with challenges, such as rapid regulatory changes, digital transformation, and increasing competition from fintech and digital banks. For this reason, flexible and adaptive strategic management is needed so that banks can face these challenges and improve their performance and competitiveness. The implementation of effective strategic management has been proven to have a significant effect on revenue growth, customer satisfaction and operational efficiency. In addition, a deep understanding of the implications of banking regulations is also essential, where banks must adapt their strategies to regulatory changes to maintain operational sustainability. With these steps, banks can maintain their position in an ever-changing industry and increase their competitiveness in a sustainable manner.

Implemetasi manajemen risiko dalam perbankan syariah di Indonesia

2025-12-05T06:56:40+00:00

The growth of Islamic banking in Indonesia presents significant challenges due to various inherent risks in its operational activities. Risk-taking is an integral part of decision-making, thus systematic and professional risk management is crucial to maintaining the stability and sustainability of Islamic banks. This study qualitatively examines risk management implementation in Islamic banking, referring to regulations by the Financial Services Authority (OJK) and the Islamic Financial Services Board (IFSB). Risks faced are categorized into financial risks such as credit, market, liquidity, rate of return, and investment risks, as well as non-financial risks including operational, legal, compliance, and reputational risks. Risk management implementation involves integrated stages of risk identification, measurement, monitoring, and control. The success of risk management depends on leadership commitment, regulatory compliance, and effective use of information technology. Effective risk management enables Islamic banks to improve performance, uphold Shariah principles, and strengthen competitiveness amid intense industry competition.

Analisis Risiko Likuiditas Perbankan Syariah di Indonesia

2025-12-05T06:50:35+00:00

Liquidity risk is one of the main challenges faced by Islamic banks in Indonesia. The inability to meet short-term obligations without incurring significant losses can disrupt operations and erode public trust in the stability of financial institutions. The complexity of this risk is heightened by the limited availability of Sharia-compliant liquidity instruments, including the prohibition of interest-based tools and the underdevelopment of the Islamic money market. This study aims to analyze the causes of liquidity risk in Islamic banking, assess its impact on financial performance, and evaluate liquidity management strategies and the role of regulators. Using a descriptive qualitative approach through literature review, the article finds that liquidity risk is influenced by internal variables such as ROA, ROE, and bank size, as well as external factors like economic volatility and depositor behavior. Mitigation strategies such as cash flow projection, funding diversification, and the development of Sharia-compliant liquidity instruments are essential. These findings are expected to contribute to strengthening sustainable liquidity risk management systems within Indonesia’s Islamic banking sector.

Manajemen risiko kepatuhan syariah dalam praktik perbankan syariah: studi kasus bank muamalat indonesia

2025-12-05T06:45:38+00:00

This study examines sharia compliance risk management in sharia banking practices with a case study of Bank Muamalat Indonesia, a pioneer of sharia banking in Indonesia. Using a qualitative approach and literature study, the study identified various sharia compliance risks faced, such as product inconsistencies with DSN-MUI fatwas, errors in contract implementation, and regulatory and technological challenges. The study highlights the importance of the role of the Sharia Supervisory Board (DPS), compliance units, and information technology integration in identifying, monitoring, and controlling these risks. The findings indicate that effective sharia compliance risk management requires a comprehensive approach involving strengthening supervision, HR training, and a real-time digital transaction monitoring system. This study is expected to be a reference for the development of a comprehensive and sustainable sharia risk management system in the sharia banking industry in Indonesia.

Manajemen risiko perbankan syariah dalam menghadapi disrupsi teknologi pada era digitalisasi

2025-12-05T03:55:50+00:00

The rapid development of digital technology has brought significant changes in the banking sector, including Islamic banking. Technological disruption not only creates opportunities, but also raises various risks that require adaptive and strategic managerial responses. This research aims to analyze the risk management implemented by Islamic banking in facing the challenges of technological disruption in the digitalization era. This study uses a qualitative method with a descriptive approach. The data collection technique in this study is to use secondary data sources through literature reviews and previous research sources. The results of the study show that Islamic banks implement risk management through four main stages: identification, measurement, monitoring, and risk control. This strategy includes regular audits, strengthening the digital security system, involving the Sharia Supervisory Board, as well as implementing technology that is in accordance with Islamic values such as the prohibition of usury, gharar and maysir, as well as a commitment to Maqasid al-Syariah.

Analisis kelayakan nasabah sebagai strategi mitigasi risiko kredit pembiayaan murabahah di bprs

2025-12-05T03:46:05+00:00

This article discusses Murabahah financing as one of the leading products in Sharia Rural Banks (BPRS) which is in great demand because of its compliance with sharia principles and ease of implementation. However, behind its popularity, this product has a fairly high credit risk if not managed properly. This study aims to analyze the importance of customer feasibility analysis as a credit risk mitigation strategy in murabahah financing in BPRS. The approach used is the 5C + 1S method (Character, Capacity, Capital, Collateral, Condition, and Sharia) as a comprehensive customer feasibility measurement tool. A case study was conducted at BPRS Mitra Mentari Sejahtera which showed that although feasibility analysis had been implemented, the lack of further supervision led to an increase in problematic financing. The results of the study confirm that the implementation of a strong feasibility analysis, supported by a continuous monitoring system and adequate information technology, is essential to maintain the quality of financing and the continuity of BPRS operations.

Penguatan kepatuhan dan reputasi lembaga keuangan syariah melalui implementasi manajemen risiko

2025-12-05T03:37:59+00:00

This study aims to analyze how the implementation of effective risk management in Islamic financial institutions can strengthen compliance with sharia regulations and principles. As well as maintaining the reputation of Islamic Financial Institutions. This study uses secondary data from various sources used in the form of journals, previous research, books and websites on Islamic banking. The results of this study indicate that effective and optimal risk management can strengthen the compliance of Islamic financial institutions with sharia principles and maintain the reputation (image) of a financial institution. Risk management is also a strategic foundation for developing credible, accountable and trusted institutions in the long term.

Analisis Manajemen Risiko dalam Penggunaan mobile banking: Studi Kasus pada Bank Syariah di Indonesia.

2025-12-05T03:23:50+00:00

This study aims to analyze risk management in the use of mobile banking at Islamic banks in Indonesia. The development of information technology has encouraged digital transformation in the banking sector, including mobile banking services that offer convenience and efficiency for customers. However, the use of this technology also raises various risks, such as technological risks (cybersecurity, system errors, and malware), operational risks (transaction errors and human errors), and risks to customer trust. This study uses a descriptive qualitative approach to identify these risks and analyze the mitigation efforts made by Islamic banks. The results show that effective risk management strategies, such as implementing data encryption, double authentication, HR training, and transparent communication with customers, are key to maintaining system security and increasing public trust. With good risk management, Islamic banks can maximize the potential of mobile banking while minimizing the negative impacts caused by digital risks.

Peran manajemen risiko dalam pengelolaan dana pihak ketiga pada lembaga keuangan syariah

2025-12-05T03:08:25+00:00

The management of Third Party Funds (DPK) is an important part of the operation of Islamic financial institutions which must be in accordance with sharia principles. Risk management plays a vital role in maintaining the security and sustainability of deposit management by anticipating liquidity, credit, operational, market, and reputational risks. This paper discusses the application of risk management in deposit management in Islamic financial institutions, starting from identification, measurement, to risk mitigation. The case study of Bank Muamalat shows that good risk management, supported by sharia governance and information technology, is able to increase customer confidence and maintain the financial stability of the institution. In conclusion, the implementation of effective risk management is essential to support the growth and sustainability of Islamic financial institutions. Therefore, improving the competence of human resources and the use of technology is a strategic step forward.

Analisis manajemen risiko transformasi digital di lembaga keuangan syariah: pendekatan studi kasus dan regulasi nasional

2025-12-05T03:01:03+00:00

his study aims to analyze the interrelation between digital transformation, digital risk management, and the performance of Islamic financial institutions, while identifying key risks and mitigation efforts involved in the digitalization process. A qualitative literature-based approach is used, drawing from recent academic journals. The findings reveal that the success of digitalization is closely tied to infrastructure readiness, risk awareness culture, and alignment of technology with Sharia principles. Key risks identified include data security threats, system failures, and potential non-compliance with Islamic values. To address these issues, institutions are advised to implement mitigation strategies that involve information system protection, human resource training, and the integration of regulations with Sharia supervision. The study highlights that successful digital transformation relies not only on technological adoption, but also on strategic risk management aligned with Islamic ethics.

Peran manajemen risiko operasional dalam mendukung transformasi e-bisnis berbasis teknologi internet di era digital

2025-12-05T02:52:23+00:00

Analisis risiko pembiayaan pada bank syariah indonesia (bsi): strategi mitigasi

2025-12-05T02:46:01+00:00

This study analyzes the financing risks faced by Bank Syariah Indonesia (BSI) and evaluates the mitigation strategies applied to ensure financial stability and compliance with Sharia principles. BSI, as the largest Islamic bank in Indonesia, is exposed to various risks including credit risk, moral hazard, and market fluctuations due to its unique Sharia-based financing contracts such as murabahah, musyarakah, and mudharabah. Using a qualitative descriptive approach, this research explores institutional practices and structural frameworks in risk management at BSI. The findings show that BSI employs integrated mitigation strategies, including digital scoring systems for credit assessment, the formation of Sharia Compliance Units, risk-based portfolio diversification, and the implementation of Early Warning Systems (EWS). Furthermore, the bank's response to external shocks, particularly during the COVID-19 pandemic through financing restructuring programs, reflects its dual commitment to financial resilience and social responsibility (maslahah). The study concludes that BSI's risk management framework is adaptive, technology-driven, and grounded in Islamic ethics, which distinguishes it from conventional banking institutions. These findings can serve as a reference for improving risk governance in Islamic financial institutions globally.

Contingency risk in islamic banking

2025-12-05T02:35:15+00:00

The purpose of this study is to determine the role of risk contingencies in Islamic banking. Islamic banking, as an intermediary institution, faces various risks. Risk is the potential loss resulting from an event. Risk management is the management of risk. This study uses a literature review approach. The results show that risk contingencies play a crucial role as a substitute for risk mitigation in the event of failure and as a risk treatment option when risks are too extreme and tend to be abandoned, while small risks are left unchecked. Continuity theory states that appropriate action is taken when an event has already occurred or based on the situation. The numerous risks in banking, with its various activities, make it impossible for any risk to be abandoned, thus requiring action.

Analisis Laporan Keuangan untuk Menilai Kesehatan Bank Berdasarkan Rasio Profitabilitas dan Rasio Likuiditas pada Bank Maybank Tahun 2019-2023

2025-12-05T02:26:22+00:00

This study analyzes the financial statements of Bank Maybank from 2019 to 2023 to assess its financial health through profitability and liquidity ratios. The research reveals that despite a decline in performance in 2020 due to the pandemic's impact, the bank exhibited a positive recovery trend in the subsequent years. Ratios such as Return on Assets (ROA) and Return on Equity (ROE) are utilized to evaluate the bank's ability to generate profits from its assets and equity. Additionally, the analysis of liquidity ratios like Loan to Deposit Ratio (LDR) indicates that the bank has managed to maintain a balance between liquidity and productivity. The findings of this research are expected to contribute valuable insights for investors, management, and regulators in making informed decisions related to banking in Indonesia.

Strategi manajemen risiko pembiayaan dalam perbankan syariah: studi terhadap risiko pembiayaan dan upaya mitigasinya

2025-12-05T02:20:07+00:00

Financing risk management is a crucial aspect in maintaining the stability and sustainability of Islamic banking operations. This article aims to examine the common types of financing risks faced by Islamic banks, as well as the mitigation strategies implemented to reduce potential losses. The method used in this article is a literature review with a qualitative descriptive approach, referring to five scientific journals published between 2020 and 2024. The study results indicate that financing risks arise from internal factors such as weaknesses in financing analysis and organizational structure, as well as external factors like exchange rate fluctuations, inflation, and macroeconomic conditions. Risk mitigation strategies include the application of the 5C analysis, utilization of information systems such as SIGMA, human resource training, and supervision by the Sharia Supervisory Board. A case study at Bank Syariah Mandiri demonstrates that the implementation of structured mitigation strategies aligned with Sharia principles can effectively reduce the risk of Non-Performing Financing (NPF). Therefore, financing risk management in Islamic banking must be based on prudence principles, technological innovation, and adherence to Sharia values.

Financial analysis of liquidity ratio performance on bank panin's health for the 2019 – 2023 period with loan to deposit ratio (ldr) as the indicator

2025-12-05T02:15:06+00:00

This research aims to analyze Bank Panin's liquidity performance during the 2019–2023 period with Loan to Deposit Ratio (LDR) as the main indicator. The focus of the study is to evaluate Bank Panin's ability to maintain a balance between lending and managing third party funds amidst external challenges, such as the COVID-19 pandemic and global market dynamics. The data used is Bank Panin's annual financial report, with a descriptive qualitative approach. The results of the analysis show that although Bank Panin's LDR ratio fluctuated during this period, the bank was still able to maintain its position within healthy limits in accordance with Bank Indonesia regulations (78–92%). The decline in the LDR ratio in 2020 reflects the impact of the pandemic on economic activity, but was followed by a significant recovery in the following years. Factors that influence liquidity performance include the bank's internal strategy, macroeconomic conditions and banking regulations. This research provides important insights into how effective liquidity management can help banks overcome external and internal challenges. In addition, these findings are expected to become a reference for developing more adaptive liquidity strategies in the future as well as enriching literature in the field of banking financial management.

Implementasi manajemen risiko terhadap keberlangsungan usaha pada umkm batik

2025-12-05T02:06:24+00:00

The COVID-19 pandemic has significantly impacted the continuity of businesses, particularly for Micro, Small, and Medium Enterprises (SMEs). One of the sectors most affected is the batik industry. This paper discusses implementing risk management in Batik SMEs with the primary focus is operational, legal, reputational, and strategic risks that could threaten the business’s sustainability. Using the ISO 31000 framework, this study identifies and assesses the risks faced by Batik SMEs and provides mitigation recommendations to ensure business continuity. The results indicate that effective risk management can help SMEs survive and adapt to the changes brought about by the pandemic. Effective risk management not only helps MSMEs face external challenges such as market changes and regulations, but also increases the resilience and resilience of their businesses in the long term.

Analisa Profitabilitas dan Likuiditas pada PT Bank Capital Indonesia Tbk Periode 2019-2023

2025-12-05T01:58:35+00:00

This study aims to assess the financial performance of PT. Bank Capital Indonesia for the period 2019-2023 using a comparative descriptive method that focuses on the analysis of annual financial statements through financial ratios, such as ROA, ROE, BOPO, and LDR. The data analyzed includes the company's financial position report and profit and loss report. The results of the study indicate that PT. Bank Capital Indonesia has not met the financial standards set by Bank Indonesia. The company's ROA and ROE are still low, indicating low profitability against assets and equity. In addition, the high BOPO ratio reflects less than optimal operational efficiency, while the very low LDR over the past few years indicates that the utilization of third-party funds has not been maximized in credit distribution. To improve performance, the company needs to implement strategies to increase profitability, operational cost efficiency, and credit optimization. This study provides an in-depth overview of the challenges and opportunities for improving the bank's financial performance in the future.

Manajemen risiko akad pembiayaan (mudharabah dan musyarakah) pada bank syariah indonesia (bsi) periode 2022-2024 menggunakan pendekatan value at risk (var) metode variance-covarian

2025-12-05T01:52:45+00:00

The Indonesian sharia banking industry experienced significant growth in 2024, with total assets reaching Rp980.30 trillion and financing amounting to Rp643.55 trillion. However, risk management challenges persist, particularly with a gross Non-Performing Financing (NPF) ratio of 2.12% and a net NPF of 0.79%. Mudharabah and Musyarakah contracts inherently carry higher risks compared to Murabahah. This study analyzes the financing risk of Mudharabah and Musyarakah in Bank Syariah Indonesia (BSI) using the Value at Risk (VaR) approach with the Variance-Covariance method. Data from 2022–2024 reveal consistent growth in Musyarakah financing and sharp fluctuations followed by recovery in Mudharabah financing. Mudharabah returns are higher but more volatile, while Musyarakah returns are more stable. A negative covariance (-0.02%) between the returns indicates diversification benefits. The combined portfolio yields an average return of 2.28% with a standard deviation of 6.44%, signifying a substantial reduction in risk. The portfolio's VaR of Rp12,411,245 at a 95% confidence level reflects the maximum potential loss. This approach proves effective in quantitatively measuring risk and supporting the bank's compliance with sharia financing risk management regulations.

Strategi bank syariah dalam mendukung ekonomi umat: solusi keuangan berbasis syariah

2025-12-05T01:44:22+00:00

This article discusses the strategies implemented by Islamic banks in supporting the economic growth of the people through financial solutions based on Islamic principles. In this context, Islamic banks play an important role as financial institutions that offer financial products and services in accordance with Islamic law, such as profit sharing (mudharabah), partnership (musyarakah), and usury-free financing. The goal is to provide fair, inclusive, and sustainable solutions for the community, especially for the small and medium enterprise (SME) sector and individuals who have not been reached by conventional banking services. This study reviews the strategic approach of Islamic banks in expanding financial access, increasing Islamic financial literacy, and encouraging financial inclusion by maintaining the principles of justice, transparency, and partnership. In addition, it also discusses the challenges faced by Islamic banks in facing global competition and adapting to developments in financial technology (fintech). Through the implementation of these strategies, Islamic banks are expected to contribute significantly to strengthening the people's economy and achieving wider community welfare.

Public relation sebagai manajemen krisis dalam membangun kembali kepercayaan nasabah pasca serangan siber bank BSI

2025-12-05T01:37:04+00:00

In 2020, the government announced the merger of Bank Syariah Mandiri, BNI Syariah, and BRI Syariah to become Bank Syariah Indonesia (BSI). In May 2023, BSI experienced a cyberattack by the LockBit 3.0 group, causing banking services to be paralyzed for five days and customer data leaks. This study uses the SSCT theory from Coombs & Holladay. First, BSI implements a deny strategy by reducing the impact of the crisis. Second, the diminish strategy is seen in apologies to customers and explanations of system maintenance steps. Third, the bolstering strategy is carried out by reminding customers of potential fraud. Public relations (PR) plays an important role as a communication bridge between BSI and customers, conveying accurate information and alleviating public concerns.

Entrepreneur cerdas, risiko terkendali: membangun bisnis berbasis perencanaan risiko

2025-12-05T01:32:38+00:00

In today’s highly uncertain business environment, risk management has become a critical competency for entrepreneurs. This article discusses the importance of risk management as a strategic foundation for designing and developing adaptive and sustainable businesses. By applying a four-stage approach—identification, analysis, mitigation, and monitoring—risk management provides a systematic framework for entrepreneurs to detect potential threats, assess their impacts, design appropriate responses, and continuously evaluate their effectiveness. The discussion includes common types of risks faced in business, such as financial, operational, market, legal, and technological risks. The article highlights the necessity of building business resilience and adaptability in responding to rapid change, while also addressing the benefits and challenges of risk management implementation, especially for micro, small, and medium enterprises (MSMEs). Finally, it offers practical solutions to help entrepreneurs apply risk management in a simple yet effective manner that aligns with their business scale. This approach positions risk management not merely as a defensive tool, but as a strategic driver for informed decision-making.

Analisis perbedaan risiko likuiditas antara bsi dan bank mandiri periode 2021.q1-2025.q1

2025-12-05T01:23:16+00:00

This study examines the differences in liquidity risk between Bank Syariah Indonesia (BSI) and Bank Mandiri for the period Q1 2021-Q1 2025. Using an explanatory comparative quantitative approach with a cross-sectional design. Comparison of FDR (BSI) and LDR (Bank Mandiri) ratios through the Independent T-test. The results show that there is a statistically significant difference between BSI's FDR and Bank Mandiri's LDR. This is due to the operational characteristics of each bank, such as financing mechanisms, product structures, and asset management strategies in the Islamic and conventional systems. Factors related to the characteristics and operational mechanisms of both banking systems. Banking structure, asset quality, economic conditions, monetary policy, market dynamics, and customer needs can influence a bank's ability to determine the differences and levels of liquidity of each bank.

Mengelola risiko layanan digital: kasus gangguan m-banking pada BSI

2025-12-05T01:14:54+00:00

Digital transformation in the banking sector has brought convenience and efficiency of services to customers, but has also given rise to new challenges in the form of increasingly complex cyber risks. This article discusses the case of a digital service disruption experienced by Bank Syariah Indonesia (BSI) in May 2023 as a real example of the vulnerability of the banking system to ransomware attacks. The disruption had a wide impact, not only technically, but also on reputation and compliance with personal data protection regulations. Through a descriptive-qualitative approach based on literature studies, this article identifies various types of digital risks and formulates risk management strategies that include strengthening system security, emergency response readiness, crisis communication, diversification of service channels, and increasing digital literacy. Collaboration between banks, regulators, and cybersecurity authorities is also emphasized as an important step to strengthen the resilience of the national financial system in the ever-evolving digital era.

Analisis dampak resesi ekonomi terhadap portofolio pembiayaan btn syariah

2025-12-05T01:07:35+00:00

This research has the objective of analyzing the impact of economic recession on the financing portfolio of Bank Tabungan Negara (BTN) Syariah using a qualitative approach based on literature review. The method used is content analysis of various scientific journals and recent reports related to the performance of BTN Syariah during the Covid-19 pandemic and the global economic recession period. The findings indicate that the economic recession has significantly impacted the increase in the non-performing financing (NPF) ratio, a decline in consumer purchasing power, and heightened credit risk in the consumer financing segment and Sharia Home Ownership Loans (KPR). However, BTN Syariah demonstrated relatively strong resilience through risk management strategies, financing restructuring, and the application of the 5C principles. Additionally, macroeconomic indicators such as inflation, benchmark interest rates, exchange rates, and the Jakarta Composite Index (IHSG) also influence financing performance. This study underscores the importance of adaptive strategies and the role of government regulation in maintaining the stability of Islamic banking amid global economic uncertainty.

Implementasi dan pengaruh prinsip syariah terhadap efektifitas manajemen risiko di lembaga keuangan syariah

2025-12-05T01:01:11+00:00

To evaluate the implementation of Sharia principles and their impact on the effectiveness of risk management in Islamic financial institutions. The application of Sharia principles has been shown to significantly enhance risk management effectiveness, particularly in terms of compliance with Sharia regulations and risk management practices that align with Islamic values. The integration of Sharia principles into risk management policies is crucial to support the sustainability and stability of Islamic financial institutions. This study aims to examine the extent to which Sharia principles are implemented in the operations of Islamic financial institutions and their influence on risk management effectiveness. This is expected to strengthen the integrity of Sharia principles within risk management, thereby supporting the overall sustainability and stability of Islamic financial institutions.

Optimalisasi Strategi Pelayanan dan Pemasaran pada Baitul Maal wa Tamwil (BMT) Usaha Gabungan Terpadu (UGT) Sidogiri

2025-12-05T00:47:13+00:00

This study aims to examine the optimization of service and marketing strategies at Baitul Maal wa Tamwil (BMT) UGT Sidogiri in facing the challenges of digitalization and competition. BMT integrates social and commercial functions to empower the people's economy. The method used is qualitative descriptive with a literature review approach. The results of the study indicate that fast, transparent, and needs-based services increase satisfaction and loyalty. Marketing through word of mouth and the use of digital media can expand customer reach. The challenges faced include limited technology and low financial literacy in the community. BMT is advised to increase human resource capacity, utilize technology optimally, and strengthen financial literacy education. With the right strategy, BMT UGT Sidogiri can maintain its sustainability and continue to play a role in empowering the community's economy.

Relevansi prinsip prudential banking dalam sistem manajemen risiko bank syariah

2025-12-05T00:39:33+00:00

The application of prudential banking principles in the banking industry aims to create a stable and sustainable financial system. In the context of Islamic banking, this principle presents a particular challenge as it must be integrated with the Islamic values that underlie every banking activity. This study aims to analyze the relevance of prudential banking principles to the risk management system in Islamic banking. The findings show a strong alignment between prudential principles and Islamic banking practices, especially in terms of risk management, good governance, and customer fund protection. However, the structural differences in contracts and operational foundations pose challenges in its implementation. Therefore, a regulatory approach is needed to support integration without compromising sharia principles. The roles of the Financial Services Authority (OJK), Bank Indonesia (BI), and the Sharia Supervisory Board (DPS) are crucial in balancing compliance with prudential regulations and Islamic legal requirements.

Digital Security in the 4.0 Era: Countering Cyber Attacks on Sharia Financial Institutions

2025-12-05T00:33:36+00:00

The Industrial Revolution 4.0 era brings technological advancements along with new challenges such as cyberattacks on Islamic financial institutions. Threats like phishing, malware, and ransomware endanger customer data and damage public trust. This study explores common cyber threats, their impact on Islamic banking operations, and mitigation efforts. Strategic approaches include encryption, two-factor authentication, firewalls, customer education, and risk management based on ISO 31000:2018. Collaboration with regulatory authorities is also key to building a robust and trustworthy digital security system.

Pemanfaatan artificial intelligence dalam manajemen risiko perbankan syariah

2025-12-04T07:13:04+00:00

This study aims to analyze the application of Artificial Intelligence (AI) technology in risk management in Islamic banking. The focus includes how AI is used to detect, monitor, and mitigate risks such as credit, operational, and liquidity risks. In addition, this study assesses the effectiveness of AI in improving the efficiency and accuracy of decision-making in accordance with sharia principles. This research method uses a descriptive qualitative approach through a literature study of recent scientific journals. The results show that AI is able to strengthen the early risk detection system, automate the financing process, and improve the operational efficiency of Islamic banks. However, there are challenges in the form of human resource readiness, limited technological infrastructure, and the need for sharia-compliant regulations. This study recommends strengthening the Islamic digital ecosystem that is balanced between technology and Islamic values.

Implementasi enterprise risk management (erm) dalam mengelola risiko digital di perbankan syariah era industri 4.0

2025-12-04T06:47:29+00:00

The Industrial 4.0 era has driven a massive transformation in the banking sector, especially Islamic banking, through increased adoption of digital technologies that present both opportunities and emerging risks. This article aims to analyze the significance of implementing Enterprise Risk Management (ERM) in addressing digital risks in Islamic banking. Using a conceptual analysis approach combined with literature review, this study highlights how ERM helps Islamic banks identify, assess, and respond to various digital threats, such as cyberattacks, data breaches, and compliance challenges with sharia principles. ERM implementation based on the COSO framework involves eight key components that strengthen digital risk management in an integrated and comprehensive manner. The study concludes that optimal ERM implementation enhances operational resilience, maintains customer trust, and ensures the sustainability and competitiveness of Islamic banks in an increasingly complex and dynamic digital environment.

Efektivitas penerapan manajemen risiko pembiayaan pada produk perbankan syariah di Indonesia

2025-12-04T06:34:53+00:00

This study analyzes the effectiveness of financing risk management in Indonesian Islamic banking, which is unique because its sharia contracts (Murabahah, Mudharabah, Musyarakah) are based on profit sharing and partnership. Risk management includes the identification, measurement, and mitigation of risks such as credit, operations, and sharia compliance. In sharia financing risk management, it must be adjusted to the characteristics of the contract. Mudharabah, Musharakah, and Murabahah contracts have specific risks that require different mitigation strategies. An incentive-based approach, feasibility analysis, transparency, and supervision are the keys to the effectiveness of risk management according to sharia principles. The effectiveness of the application of risk management in NPFs includes the 5C Method of Character, Capacity, Capital, Collateral, and Condition), the process of revitalization and renegotiation of the contract (remedial). Challenges include limitations in human resources, technology and data quality and increasing NPF. Increasing the effectiveness of risk management of sharia financing requires strategies based on sharia principles, such as human resource training, the use of fintech and big data, the maqasid al-shariah approach, and the handling of NPF based on restructuring and deliberation. This measure ensures a balance between financial sustainability and sharia compliance.

Manajemen risiko pada bank syariah: strategi kepatuhan terhadap prinsip syariah

2025-12-04T04:04:36+00:00

This article examines risk management strategies in Islamic banking with a focus on compliance with Islamic principles. In practice, Islamic banks face unique challenges due to the limited use of conventional financial instruments that contain elements of riba, gharar, and maysir. This study uses a descriptive qualitative approach to explore how risk management is implemented within the Islamic framework, as well as how the roles of the Islamic Supervisory Board (SSB), Islamic audit, and corporate governance support such compliance. The results of the study indicate that Islamic risk management strategies not only function as a tool for mitigating financial risk, but also as a form of mandate and moral responsibility in maintaining the integrity of Islamic finance. This study emphasizes the importance of strengthening human resource capacity, innovation of Islamic financial products, and utilization of technology to support transparency and efficiency of the risk management system.

Mengoptimalkan kejelasan kebutuhan sistem melalui iterasi prototyping: sebuah pendekatan praktis

2025-12-04T03:46:36+00:00

This study examines the effectiveness of an iterative prototyping approach in improving system requirements clarity. Vague requirements specifications are a major challenge in information systems development, often resulting in project failure and stakeholder dissatisfaction. Through an empirical study of 17 software development projects over a 24-month period, this study demonstrates that implementing iterative prototyping cycles significantly improves the precision of system requirements articulation, reduces miscommunication between developers and stakeholders, and facilitates a deeper understanding of functional and non-functional requirements. We introduce the “Continuous Requirements-Oriented Prototyping” (PBBOK) framework that integrates an agile approach with structured stakeholder validation techniques. The results indicate that this approach reduces development time by 28% and increases end-user satisfaction by 32% compared to conventional methodologies. These findings contribute significantly to the understanding of the crucial role of iterative prototyping in improving system requirements clarity and optimizing the software development process.

Analisis manajemen risiko dalam prosedur pembiayaan gadai emas

2025-12-04T03:34:47+00:00

This study discusses the analysis of risk management in the gold pawn financing procedure, which is one of the collateral-based financial services. Gold pawn is a popular financing alternative in the community because of its fast process, relatively easy requirements, and stable collateral value. However, in its implementation, there are various risks that need to be managed properly by financing institutions, including credit risk, operational risk, legal risk, and market risk. Risk management in the context of gold pawn financing includes identification, evaluation, and control of risks that may arise during the loan granting and repayment process. Common procedures include assessing the authenticity and value of gold, analyzing customer eligibility, and preparing internal policies that regulate loan limits and terms. In addition, a good monitoring and documentation system is also needed to prevent potential misuse or fraud. Financing institutions need to have a structured and integrated risk mitigation strategy, such as developing information technology to monitor transactions in real time, training human resources, and strengthening internal regulations. Effective risk management can increase public trust in gold pawn services and maintain the operational stability of the institution. This study concludes that a systematic and comprehensive risk management approach is essential to minimize potential losses and support the sustainability of gold pawn financing services amidst economic dynamics and changes in consumer behavior.

Pemanfaatan zeolit alam sebagai adsorben logam berat dalam air limbah industri

2025-12-04T03:28:12+00:00

This study aims to explore the potential and effectiveness of natural zeolite as an adsorbent for heavy metals in industrial wastewater treatment. This topic is crucial, as heavy metal contamination from industrial waste poses serious risks to the environment and human health. The article adopts a literature review method by analyzing five national and international journals relevant to the topic. Each journal is evaluated based on content related to zeolite characteristics, adsorption mechanisms, types of heavy metals, activation methods, and real-world applications. The data are described narratively and presented in tables. The review shows that zeolite has a high capacity to adsorb heavy metals such as lead, chromium, and iron, making it a promising and eco-friendly solution for industrial wastewater management.

Dampak fluktuasi ekonomi global terhadap manajemen risiko liquiditas pada perbankan syariah

2025-12-04T03:19:58+00:00

This study critically analyzes the impact of global economic fluctuations on liquidity risk management in Islamic banking. Amidst global uncertainty caused by financial crises, geopolitical unrest, and fluctuating exchange rates, Islamic banks face significant challenges in maintaining liquidity stability while adhering to Sharia principles, such as prohibitions against usury and speculation. Liquidity risk threatens the sustainability of bank operations and reputation, especially during a massive customer withdrawal of funds. This study employs a qualitative approach based on a literature review, exploring various secondary sources, such as scientific journals, books, official reports, and related regulations. The analysis reveals that institutional readiness, available financial instruments, and regulatory support from financial authorities strongly influence the effectiveness of liquidity risk management in Islamic banks. The study also emphasizes the importance of diversifying funding sources and strengthening the asset-liability management (ALMA) framework in accordance with Sharia principles. These findings contribute to the development of responsive, contextual risk mitigation policies that strengthen the liquidity resilience of Islamic banks amid global economic dynamics.

Analisis tren fashion hijab modern di kalangan remaja dan implikasinya terhadap nilai syariat islam

2025-12-04T03:08:14+00:00

In this modern era, the meaning of hijab which should be a form of identity and obedience for Muslim women has changed. Many of today's teenagers tend to follow modern hijab fashion trends that prioritize fashion and style in appearance by ignoring the values of Islamic law, namely hijab to cover the aurat. This phenomenon is increasingly seen among teenagers who often combine hijab with fashionable clothing styles. In addition, social media also has a huge influence on the current hijab trend, for example hijab influencers or fashion bloggers who have indirectly created new standards of dress, which are sometimes not in accordance with Islamic law. As a result, teenagers today are less aware of the true meaning of hijab and are trapped in the mindset of wearing hijab just to fulfill their style. Therefore, understanding the Islamic Shari'ah about the recommendations for good Muslim dress according to the Shari'ah is important to help a Muslim, especially for women, in choosing or sorting out Muslim clothing that is in accordance with the Shari'ah.

Mengukur kinerja keuangan dan profitabilitas pada btpn syariah periode 2019 – 2023

2025-12-04T02:57:33+00:00

This study aims to evaluate the financial performance and profitability of Bank BTPN Syariah during the period from 2019 to 2023. BTPN Syariah operates based on Islamic principles and focuses on Islamic banking in Indonesia. To assess its performance, an analysis was conducted on several profitability ratios, such as Net Profit Margin (NPM), Return on Assets (ROA), and Return on Equity (ROE). The results show that, despite some fluctuations in these ratios, the overall performance of the bank remains positive. NPM saw a significant increase in 2020 and 2021 but declined in 2023, which requires further attention. Meanwhile, both ROA and ROE showed a positive trend, with ROE remaining stable at 12.3% in 2023. The performance decline in 2023 indicates the need for a deeper analysis to identify areas for improvement. The study suggests that the bank should further develop its digital services and review its equity usage strategy to enhance profitability in the future.

Peran manajemen strategi dalam meningkatkan daya saing bca melalui inovasi digital di industri perbankan nasional

2025-12-04T02:49:11+00:00

The banking industry in Indonesia is undergoing significant changes driven by rapid digital transformation. PT Bank Central Asia (BCA), as one of the largest banks, faces challenges to continuously innovate in the digital era. This research aims to explore the role of strategic management in driving digital innovation at BCA and to analyze the impact of such innovation on the bank's competitiveness in the national banking market. A descriptive qualitative approach through literature review is used to understand the concepts and phenomena faced by BCA. The findings reveal that digital innovations such as API development, mobile banking, and the use of artificial intelligence and robotics have enhanced operational efficiency and customer satisfaction, while strengthening BCA's competitive position. These insights are expected to provide strategic recommendations for banks to optimize digital transformation and maintain a competitive edge.

Dari sampah jadi wah! Jelantah disulap jadi lilin aromaterapi unik dan berdaya jual

2025-12-04T02:07:26+00:00

Household waste, particularly used cooking oil (commonly known as "jelantah"), poses a significant environmental challenge. This project aims to transform used cooking oil into a valuable product—aromatherapy candles—as a contribution to waste reduction and environmental awareness. The production process was carried out by university students in collaboration with the community of Merjosari Village, involving several stages: collection, filtration, material mixing, molding, and public dissemination. The project demonstrated that used cooking oil can be recycled into economically valuable and educational products. The resulting aromatherapy candles not only function as air fresheners but also serve as an inspiration for the creative and sustainable reuse of household waste. Project analysis indicates strong sustainability potential through the application of circular economy principles and increased public awareness regarding domestic waste management.

Peran kritis pengelolaan risiko reputasi dalam keberlanjutan bisnis

2025-12-04T01:59:20+00:00

Corporate reputation plays a crucial strategic role in ensuring long-term sustainability. With a holistic approach, it is known that reputational risk impacts stakeholders' views, financial results, ease of obtaining funding, and the attractiveness of the company in recruiting and retaining top human resources. The purpose of this article is to highlight the importance of reputation risk management in supporting business sustainability. In the midst of the digital era and information disclosure, reputation is a crucial asset that is vulnerable to external threats. The research in this article was conducted using literature study research through theoretical studies and other related reference sources. Based on the article that has been made by the author, the author finds the causes and strategies that are carried out to manage integrated reputation risk so that the company is able to maintain public trust and maintain its business continuity.

Peran media sosial dalam membangun citra bisnis di era digital

2025-12-04T01:48:07+00:00

Advancements in digital technology have significantly reshaped how businesses engage with consumers and establish their brand image. Social media, originally created for social interaction, has evolved into a highly strategic platform for corporate communication and reputation management. This article explores how social media goes beyond being a promotional channel and functions as a powerful tool for shaping public perception through consistent, value-based engagement. Studies suggest that companies that actively manage their social media presence and maintain interactive relationships with their audience are more likely to gain trust and customer loyalty. Furthermore, social media enables businesses to openly share their values, vision, and corporate culture, which contributes to a stronger and more credible brand identity. This article also outlines effective digital communication strategies for branding, including structured content delivery, engaging visuals, and audience participation. Thus, social media is an essential asset in building a strong and lasting business identity in today’s digital marketplace

Urgensi manajemen risiko reputasi terhadap kepercayaan nasabah bank syariah di indonesia

2025-12-04T01:37:11+00:00

In the competitive financial industry, reputation is a vital intangible asset, especially for Islamic banks that uphold the principles of fairness, honesty, and Sharia compliance. Reputation risks can arise from various internal and external factors, including ethical violations, the spread of negative information on social media, and low Islamic financial literacy. The impacts include a decline in trust, customer loyalty, and financial and social losses. Using a literature review approach, this study highlights the importance of reputation risk management strategies that include the stages of identification, assessment, mitigation, and monitoring. The role of public communication, the Sharia Supervisory Board, and the principles of Good Corporate Governance in strengthening public trust is also emphasized. Despite facing challenges related to digitalization and low public understanding of the Sharia system, Islamic banks have a significant opportunity to build an excellent reputation by emphasizing Islamic values and integrity. The results of this study confirm that reputation risk management must be an integral part of the sustainable management strategy of Islamic banks.

Optimalisasi manajemen strategi: peningkatan loyalitas nasabah bank syariah di era digital

2025-12-03T08:43:25+00:00

The current development of digital technology requires Islamic banks to adapt by managing their strategies more effectively to maintain and increase customer loyalty. This research focuses on how the right strategies can help Islamic banks navigate the digital era optimally. Based on the study's findings, the use of digital services such as mobile banking, Sharia-compliant digital networks, and blockchain technology has been shown to create faster, easier, and more convenient services for customers. This directly impacts customer satisfaction and trust, ultimately strengthening their loyalty to the bank. Digital marketing strategies are also key to attracting the public, especially the younger generation. The use of social media, creative promotions, collaboration with influencers, and educational programs on Islamic finance have proven effective in increasing engagement and maintaining long-term relationships with customers. In addition to service innovation, factors such as service quality, compliance with Sharia principles, and product excellence also play a significant role in building customer trust and strengthening their loyalty.

Manajemen strategi: pendekatan manajemen layanan dalam meningkatkan loyalitas nasabah pada bank syariah

2025-12-03T08:33:27+00:00

Customer loyalty is a crucial factor in maintaining the sustainability and stability of financial institutions, particularly in Islamic banking, which is based on the principles of justice, trustworthiness, and honesty. In this context, a service management approach is a crucial strategy for building long-term relationships between banks and customers. By implementing service management that focuses on customer needs and satisfaction, Islamic banks can create a service experience that is not only high-quality but also aligned with Islamic values. This approach emphasizes the importance of professionalism, empathy, and the integration of spiritual values into every aspect of service. Therefore, implementing orderly and sharia-compliant service management can strengthen customer trust, increase satisfaction, and ultimately foster ongoing loyalty to Islamic banks.

Peran manajemen strategi dalam meningkatkan kinerja organisasi publik

2025-12-03T08:24:24+00:00

Strategic management plays a crucial role in improving the effectiveness and efficiency of public organizations, especially in responding to the dynamic environmental changes of the digital era. Unlike the private sector, which focuses on profit, public organizations aim to enhance service quality and societal welfare. This study aims to analyze the role of strategic management in improving public sector performance through adaptive, measurable, and results-oriented strategic implementation. The research method employed is a literature review by examining various academic sources and real-world applications of strategic management in several government institutions, such as the Surabaya City Government and the Jakarta Provincial Government. The findings reveal that effective strategic management enhances organizational planning, strengthens public accountability, and fosters service innovation through digital technology. Furthermore, human resources are identified as a key factor in successful strategy implementation, particularly through the development of employees’ emotional intelligence, intellectual capacity, and digital literacy. However, challenges such as bureaucratic rigidity, limited resources, and resistance to change continue to hinder optimal implementation. Therefore, visionary leadership, objective performance evaluation systems, and continuous human resource development are essential to build adaptive, transparent, and service-oriented public organizations.

Kinerja profitabilitas Bank Mega Syariah berdasarkan analisis Return on Assets (ROA) tahun 2020–2024

2025-12-02T06:24:45+00:00

Profitability is one of the main indicators in assessing a bank's financial performance, including Bank Mega Syariah, a sharia financial institution that plays a role in supporting the stability of the national financial system. Return on Assets (ROA) is used as an important ratio to measure a bank's ability to generate profits based on total assets managed. This study aims to analyze the development of Bank Mega Syariah's ROA during the 2020–2024 period and assess the effectiveness of asset management in generating profitability. The research method uses a quantitative descriptive approach through secondary data analysis in the form of the bank's annual financial reports. The results show that Return on Assets (ROA) experienced significant fluctuations: a sharp increase in 2021, a decrease in 2022, then stabilizing at around 1.5 percent during 2023–2024. This pattern indicates that the bank's profitability is not yet consistent and is still influenced by changes in net profit and asset growth dynamics. Overall, Bank Mega Syariah has been able to maintain stable profitability in the past two years, but the Return on Assets (ROA) value remains at a moderate level, requiring optimization of productive asset management and operational efficiency to achieve more ideal profitability standards.

Manajemen strategi dalam optimalisasi kinerja lembaga keuangan mikro syariah: analisis terhadap implementasi balanced scorecard sebagai alat pengukuran keberlanjutan

2025-12-02T04:01:57+00:00

This study aims to analyze the application of strategic management in optimizing the performance of Islamic microfinance institutions (LKMS) through the implementation of the Balanced Scorecard (BSC) as a sustainability measurement tool. In facing economic dynamics and competition in the financial industry, LKMS are required to have strategies that are not only oriented towards financial profits, but also towards achieving sharia values, customer satisfaction, internal process efficiency, and human resource development. The Balanced Scorecard was chosen because it is able to provide a comprehensive picture of organizational performance from four main perspectives: financial, customer, internal business processes, and learning and growth. This study uses a qualitative descriptive approach with case studies of several LKMS in Indonesia. The results of the analysis indicate that the implementation of the BSC can assist management in formulating integrated and sustainable strategies, increasing operational effectiveness, and strengthening institutional accountability towards Islamic economic principles. In addition, the implementation of the BSC encourages the creation of a balance between worldly and hereafter aspects in the management of Islamic financial institutions. Thus, the Balanced Scorecard becomes a relevant strategic instrument in supporting the sustainability and competitiveness of LKMS in the era of the digital economy and sharia-based inclusive finance.

Manajemen strategi bank syariah dalam menghadapi persaingan dengan bank konvensional

2025-12-02T03:51:10+00:00

The growth of Islamic banking in Indonesia continues to increase, but in terms of market share, it still lags behind conventional banks. This condition requires the implementation of effective strategic management so that Islamic banks can compete healthily and sustainably. This article uses a qualitative descriptive method with a conceptual analysis approach to discuss the application of strategic management in facing such competition. The main focus includes product differentiation, digital transformation, increasing Islamic financial literacy, and strengthening human resources. The analysis results indicate that the competitive advantage of Islamic banks can be built through the integration of maqashid sharia values with modern innovations, including digital strategies and spiritually based services. With the right strategy, competition with conventional banks can become an opportunity to strengthen the identity and expand the role of Islamic banks in the national financial system.

Manajemen strategi bank syariah dalam mengembangkan digital marketing yang berlandaskan prinsip syariah

2025-12-02T03:33:13+00:00

The development of digital technology provides significant opportunities for financial institutions, including Islamic banks, to expand their service reach and improve marketing efficiency. Digital marketing is a key strategy for attracting new customers and maintaining the loyalty of existing ones. However, the implementation of digital marketing in Islamic banks must remain based on Islamic principles, such as honesty, transparency, fairness, and avoidance of gharar (uncertainty) and maysir (speculation). This study used qualitative data collection methods through literature review and analysis of several relevant journals. The results of the discussion indicate that effective digital marketing implementation in Islamic banks requires strong digital literacy, Islamic-based product innovation, and oversight of compliance with Islamic principles. Therefore, a management strategy based on Islamic values can create competitive advantage while maintaining the integrity of Islamic financial institutions in the digital era.

Peran Platform Media Sosial dalam Peningkatan Kosakata Bahasa Inggris: Studi Literatur

2025-12-02T03:12:32+00:00

This article discusses the role of social media in improving English vocabulary. Using various reliable sources and journals, this article successfully explains how social media can be used effectively to improve English vocabulary among students. In today's digital age, social media platforms such as YouTube, TikTok, Instagram, and others are not only used as a means of entertainment but also as an effective and interesting learning medium. This article employs a literature review method (Library Research) by searching for various journals on Google Scholar or other platforms to establish the theoretical foundation for the topic under discussion. The research findings indicate that social media plays a significant role in enhancing English vocabulary proficiency. Social media also encourages active student engagement and reinforces vocabulary through audio-visual approaches. Platforms like YouTube, TikTok, and Instagram provide authentic, varied, and engaging content. However, their use also faces challenges such as distractions, limited internet access, and the risk of exposure to age-inappropriate content. Therefore, the use of social media in English language learning, particularly for vocabulary enhancement, requires appropriate strategies to support its effectiveness.

Strategi public relation bank syariah di era digital

2025-12-02T03:05:09+00:00

This study examines the public relations strategy employed by Islamic banks to address communication challenges in the digital age. Advances in information technology have encouraged Islamic financial institutions to innovate in their information delivery and build a positive public image. Using descriptive qualitative methods, this study explores how Islamic banks utilize social media, websites, and other digital platforms to strengthen client relationships and increase public trust. The results indicate that implementing digital-based PR tactics significantly contributes to strengthening reputations and expanding the reach of Islamic product promotions. Furthermore, interactive communication and educational content also play a role in increasing Islamic financial literacy. Therefore, implementing flexible PR strategies in the digital age is key for Islamic banks in maintaining their image, attracting new customers, and maintaining customer loyalty.

Manajemen strategi dalam penguatan kepercayaan nasabah terhadap lembaga keuangan syariah

2025-12-02T02:55:44+00:00

Customer trust is the main foundation for the sustainability of Islamic financial institutions. In the increasingly competitive financial industry, the implementation of strategic management is a key factor in building, maintaining, and strengthening customer trust in Islamic-based financial institutions. This study aims to analyze the role of strategic management in strengthening customer trust in Islamic financial institutions in Indonesia. Amid the increasing competition between conventional and Islamic financial entities, trust serves as the key determinant of customer loyalty and long-term institutional sustainability. This research is based on a literature review of ten academic journals covering aspects such as the application of sharia principles, Islamic financial literacy, marketing strategies, Good Corporate Governance (GCG), and public education on Islamic banking products. The findings indicate that customer trust can be enhanced through consistent implementation of sharia principles, improvement of service quality, adoption of Islamic value-based marketing strategies, institutional transparency and accountability, and continuous public education. The integration of these strategic elements forms the essential foundation for Islamic financial institutions to strengthen credibility, reputation, and competitiveness within the national financial industry.

Adaptasi strategi bank syariah di tengah arus regulasi dan inovasi keuangan global

2025-12-02T02:49:50+00:00

The development of global financial regulations and digital innovation requires Islamic banks to implement responsive and sustainable adaptation strategies. This study aims to analyze the strategic adaptation of Islamic banks in facing the flow of international regulations and global financial innovation, particularly in digital service transformation, collaboration with fintech, and the strengthening of Sharia-based internal regulations. The research employs a descriptive qualitative approach through a literature review of five academic journals published between 2020 and 2024. The findings reveal that Islamic banks have adopted three major adaptive strategies: (1) Islamic value-based digital transformation, (2) internal regulatory frameworks aligned with global financial standards, and (3) the enhancement of human resources that are technologically literate while maintaining Sharia compliance. These adaptive strategies play a vital role in maintaining competitiveness, operational stability, and institutional credibility amid regulatory pressures and the rapid growth of financial technology. The study contributes both theoretical and practical insights for developing Islamic banking policies in Indonesia.

Peran public relation dalam membangun kepercayaan dan citra positif lembaga keuangan syariah di era transformasi digital

2025-12-02T02:41:22+00:00

The development of digital technology has transformed communication paradigms within financial institutions, including Islamic financial institutions that must adapt to modern consumer behavior. In this context, Public Relations (PR) plays an essential role in building public trust and strengthening a positive institutional image based on Islamic values. This study aims to analyze the role of PR in maintaining reputation and enhancing public trust in Islamic financial institutions during the digital era. This research applies a qualitative method with a library-based approach by reviewing nine scientific journals related to public communication, digital marketing, and Islamic banking. The findings reveal that digital-based PR enhances transparency, public education, and customer loyalty through technology-driven two-way communication. Collaboration between PR and digital marketing makes the dissemination of Islamic messages more effective and adaptive to digital society needs. Furthermore, Islamic ethical values such as sidq (truthfulness), amanah (trustworthiness), and tabligh (effective communication) serve as moral foundations that strengthen institutional integrity. These values make PR not merely a promotional tool but a medium of Islamic economic dissemination that contributes to the continuous strengthening of the positive image of Islamic financial institutions in a globalized era.

Peran strategis public relation dalam membangun citra dan kepercayaan publik terhadap perbankan syariah

2025-12-02T02:26:57+00:00

The Islamic banking industry in Indonesia is experiencing rapid growth, but still faces challenges in building its image and public trust. Public relations (PR) plays a strategic role as a communication bridge between banks and the public, utilizing both conventional and digital media. This research uses a descriptive-qualitative approach based on literature review from several recent journals. The analysis shows that PR can build a positive image through Islamic financial education, transparent communication, and the implementation of corporate social responsibility (CSR) programs. Furthermore, digital public relations innovations help strengthen the reputation of Islamic banks in the era of digital transformation by reaching a wider audience. Effective PR also contributes to increased customer loyalty and trust through responsive and ethical crisis communication management. Therefore, an integrative and adaptive PR strategy is a crucial element in strengthening public trust in Islamic banking in Indonesia.

Implementasi manajemen strategi baznas dalam meningkatkan efektivitas, inovasi digital, dan kepercayaan publik terhadap pengelolaan dana zakat, infak, dan sedekah (zis)

2025-12-02T02:15:06+00:00

This study aims to analyze the implementation of strategic management by the National Zakat Agency (BAZNAS) in increasing effectiveness, digital innovation, and public trust in the management of Zakat, Infaq, and Alms (ZIS) funds. This study uses a descriptive qualitative approach by adapting the results of previous research from various regional BAZNAS such as Palembang, Baubau, Parepare, and Bandar Lampung. The results show that BAZNAS's strategic management is carried out through three main stages: formulation, implementation, and evaluation. Strategy formulation emphasizes the vision of empowering the community and strengthening the digital system. Strategy implementation is carried out through optimizing digital platforms, transparency of financial reports, and the development of technology-based productive programs. Strategy evaluation focuses on increasing public trust through the principles of professionalism, trustworthiness, and accountability. Overall, the implementation of strategic management based on digital innovation plays a significant role in strengthening the effectiveness of ZIS management and increasing community participation.

Hijrah marketing dan tantangan public relation di lembaga keuangan syariah: antara citra religius dan strategi bisnis

2025-12-02T02:06:06+00:00

The hijrah phenomenon among millennial and Gen Z Muslims in Indonesia has given birth to a new trend in marketing strategies for Islamic financial institutions known as hijrah marketing. This research aims to analyze the application of the hijrah marketing concept and identify challenges faced by Public Relations in maintaining a balance between religious image and business strategy. The research method used is descriptive qualitative with a literature review approach. The results show that hijrah marketing is effective in building emotional closeness with Muslim customers but faces complex challenges such as the risk of commercializing religion, polarization on social media, and intense market competition. Public Relations plays a strategic role in managing these challenges through honest, educational communication while adhering to Islamic values. This research recommends that Islamic financial institutions strengthen transparency, collaborate with credible figures, and uphold Islamic communication ethics in all hijrah marketing activities.

Keseimbangan mental dan spiritual: konsepsi enam kebutuhan zakiyah daradjat

2025-12-02T01:37:28+00:00

Mental and spiritual balance is a crucial element of human existence, becoming increasingly important amidst complex emotional and social challenges. This paper aims to offer individuals, academics, and mental health professionals a practical understanding of how Zakiyah Daradjat's Six Needs, which include love, security, self-esteem, freedom, success, and curiosity, can contribute to this balance. Findings and analysis indicate that fulfilling these needs not only supports psychological stability but also enhances one's spiritual awareness. By fulfilling these needs, individuals will feel at ease when performing religious obligations and improve their self-confidence. Furthermore, this idea provides an important foundation for Islamic education and faith-based counseling, which help individuals achieve a balanced life in this world and the hereafter. This holistic approach is expected to improve the quality of life and overall happiness.

Integrasi manajemen strategi, inovasi, dan transformasi digital dalam meningkatkan daya saing perusahaan

2025-12-02T01:31:44+00:00

Strategic management plays a crucial role in guiding companies to achieve sustainable competitive advantage amidst the dynamics of the global business environment. This article aims to deeply analyze the role of management strategy in enhancing corporate competitiveness through a resource-based approach (RBA), innovation, and digital transformation. This study utilizes a literature review method from five relevant national and international journals. The synthesis results indicate that management strategy functions not only as a planning tool but also as an adaptive system capable of balancing internal strengths and external opportunities. Effective implementation strategies include environmental analysis, innovative policy formulation, digital technology implementation, and continuous performance evaluation. In the context of small and medium enterprises (SMEs), strategies based on local innovation and cross-sector collaboration have been shown to improve regional competitiveness and economic performance. In conclusion, the success of management strategy depends on the organization's ability to integrate innovation, human resources, and technology to create a competitive advantage that is resilient to global change.

Etika komunikasi public relation dalam menjaga citra perusahaan

2025-12-02T01:22:42+00:00

Public Relations (PR) communication ethics are the moral foundation that determines the quality of the relationship between a company and the public. In the modern business context, corporate image is a strategic factor in building public trust and organizational competitiveness. This study aims to examine in depth how the application of communication ethics in PR practices plays a role in maintaining a company's image, especially when facing crises and challenges in the digital era. This study uses a descriptive qualitative method based on literature analysis from several relevant national journals. The results show that the application of PR communication ethics encompasses the principles of honesty, transparency, social responsibility, and respect for the public as communication partners. Ethical PR practices not only function to avoid reputational crises but also to create long-term relationships based on trust. In the fast-paced digital era, ethical challenges are increasingly complex, encompassing issues of privacy, information manipulation, and the use of artificial intelligence-based technology. Therefore, PR practitioners need to develop ethical awareness, strengthen professional integrity, and adapt communication strategies to align with universal moral values and increasing public expectations.

Pengaruh manajemen strategi terhadap keberlanjutan bisnis (business sustainability) pada bank umum syariah

2025-12-02T01:16:43+00:00

This study aims to analyze the influence of strategic management on business sustainability in Islamic commercial banks in Indonesia. Using a conceptual-descriptive approach, it explores the relationship between corporate strategy, financial performance, and long-term sustainability. Empirical data were drawn from the 2024 report of the Financial Services Authority (OJK) and recent academic studies addressing sustainable strategy practices in Islamic banking. The findings reveal that value-based and digitally adaptive strategic management significantly contributes to improved financial performance and business resilience (Hasan & Haron, 2022; Rahman et al., 2023). Furthermore, the alignment between maqashid al-shariah principles and corporate strategies strengthens Islamic banks’ competitive positioning amidst global challenges. The study concludes that the sustainability of Islamic commercial banks depends not only on financial efficiency but also on the integration of ethical strategies, sound governance, and continuous innovation.

Manajemen strategi pengembangan produk di asuransi syariah: tantangan dan peluang di pasar global

2025-12-02T01:11:26+00:00

This article discusses the application of strategic management in product development for Islamic insurance amid global market challenges and opportunities. Using a conceptual-descriptive approach, it analyzes strategic management theories in relation to Sharia principles. Findings reveal that the main challenges of Islamic insurance include low public financial literacy, limited product innovation, and complex international regulations that are not fully aligned with Islamic law (OJK, 2023; Ahmed, 2016). Nevertheless, significant opportunities arise from service digitalization, cross-country collaboration, and the global awareness of ethical finance (EY, 2024). This study highlights the importance of adopting value-based and technology-driven strategies to create competitive, sustainable, and Sharia-compliant insurance products.

Strategi transformasi digital pada lembaga keuangan syariah: inovasi dan kepatuhan syariah

2025-12-01T08:33:15+00:00

Digital transformation in Islamic financial institutions is a necessity in the era of technological disruption. This process is not only oriented towards efficiency and service innovation, but must also maintain compliance with Shariah principles. This article aims to examine digital transformation strategies in Islamic financial institutions based on a review of literature from various academic sources. The study highlights the synergy between technological innovation, such as Artificial Intelligence (AI), and the implementation of the Shariah Governance Framework as a key pillar in maintaining the balance between technological advancement and Shariah compliance. The results of the study indicate that implementing digital transformation in Islamic financial institutions requires strong governance based on aqidah, Shariah compliance, and ethics (akhlaq-based ethics). Furthermore, the role of humans and organizational culture is an important factor in ensuring the success of sustainable digitalization in accordance with maqashid al-Shariah.

Strategi manajemen sumber daya, sistem bagi hasil, dan adopsi teknologi pada lembaga keuangan syariah

2025-12-01T08:24:58+00:00

This study aims to analyze resource management strategies, profit-sharing systems, and technology implementation in Islamic financial institutions to improve operational efficiency and customer satisfaction. Professional and competent human resource management is key to ensuring fast, accurate, and sharia-compliant services. The implementation of fair and transparent profit-sharing systems, such as mudharabah and musyarakah contracts, increases customer trust and creates financial efficiency. Furthermore, adopting digital technology, including mobile banking and sharia-based information systems, accelerates service delivery and strengthens transaction transparency, thereby enhancing customer satisfaction. This study uses a qualitative descriptive approach with a literature review and comparative analysis of the practices of Islamic financial institutions in Indonesia. The results indicate that the simultaneous integration of these three strategies can improve institutional performance, process efficiency, and customer loyalty. This study also emphasizes the importance of technological innovation and human resource capacity development as part of a sustainable management strategy. These findings align with international literature on digital transformation and management strategies in Islamic banking.

Peran public relations dalam meningkatkan kepercayaan publik terhadap bank syariah di era digital

2025-12-01T08:18:32+00:00

This study aims to analyze the role of Public Relations (PR) in increasing public trust in Islamic banks in the digital era. The main issue raised is the low level of literacy and trust among the public regarding the Islamic financial system amid the rapid digitization of banking. This study uses a qualitative descriptive method with a literature study approach to various academic journals relevant to the themes of communication and Islamic finance. The results of the study show that PR has a strategic role in building a positive image, increasing information transparency, and creating educational two-way communication between institutions and the public. The challenges faced include public misperceptions of sharia principles, limited digital literacy of PR resources, and competition with conventional financial institutions and fintech. Therefore, PR strategies need to be directed towards strengthening communication based on Islamic values that are adaptive to technological developments and the needs of modern society. With a professional and innovative PR role, public trust in Islamic banks can increase and have a positive impact on the growth of the national Islamic finance industry.

Analisis pengaruh manajemen strategi dan risiko terhadap kinerja perbankan syariah

2025-12-01T08:10:14+00:00

This research purposed to investigate the impact of strategic management and risk management on the performance of Islamic banking. The study utilizes literature review with descriptive analysis in investigating the connection between Sharia-compliant business strategy implementation and financial as well as compliance risks management. The findings show that successful strategic management and total risk management are important for enhancing operating performance and establishing customer confidence in Islamic banks. Merging the two elements not only motivates business sustainability but also enhances the competitiveness of Islamic banks in a more competitive Islamic financial market. The findings of the research highlight the need to enhance both fields of management in order to meet the opportunities and challenges of the Islamic financial market.

Strategi keunggulan bersaing bank syariah berbasis digital: pendekatan analisis swot untuk inovasi layanan dan peningkatan pangsa pasar

2025-12-01T08:03:56+00:00

Islamic banks are facing strong competition around the world. To stay competitive and grow, they need to use good strategic management. The banking industry is changing a lot, and there is a growing need for digital solutions. This research looks closely at the Strengths, Weaknesses, Opportunities, and Threats (SWOT) that Islamic banks face when trying to create new digital services. It also helps in making a strategy that uses digital tools to gain a competitive edge. Using SWOT analysis, the study finds that having the right strategy is key to improving competitiveness globally. This analysis helps Islamic banks use their strengths, like their good reputation based on Sharia principles and the variety of services they provide. It also helps them take advantage of external opportunities, such as the growth of the Islamic economy and support from regulators. At the same time, it helps Islamic banks deal with their weaknesses, like high costs and slow adoption of new technology. It also helps them prepare for threats from traditional banks and fintech companies. The best strategy should focus on making digital services more adaptable and competitive to improve customer satisfaction and increase their share of the market. Islamic banks are encouraged to invest more in financial technology, such as digital banking apps. They should also improve their system security and work closely with sharia-compliant fintech companies.

Strategi pemasaran multikanal dan pengaruhnya terhadap loyalitas nasabah bank syariah

2025-12-01T06:55:28+00:00

Islamic banking in Indonesia is growing rapidly in line with increasing public awareness of Islamic financial principles. However, amidst increasingly fierce competition and advances in digital technology, Islamic banks face challenges in maintaining customer loyalty. One important strategic approach is the use of multi-channel marketing, a strategy that combines various physical and digital channels to create a consistent and connected service experience.This paper reviews the concept of a multi-channel marketing strategy in Islamic banking, its impact on customer loyalty, and the challenges and opportunities in its implementation. Using a descriptive qualitative approach based on literature review, we found that integrating various marketing channels such as branches, mobile applications, internet banking, and social media can increase customer satisfaction and trust, which in turn strengthens loyalty.Furthermore, the success of this strategy is determined by the bank's ability to balance the integration of technology, human resources, and Sharia principles. Challenges such as the lack of digital infrastructure, limited Sharia financial literacy, and system integration costs need to be addressed through collaboration between regulators, financial institutions, and educational institutions. Therefore, a multi-channel strategy that is in line with Islamic values not only increases marketing effectiveness, but also strengthens the image and public trust in Islamic banks.

Manajemen strategi berbasis data di taspen : menuju keberlanjutan keuangan

2025-12-01T06:47:32+00:00

Data-driven strategic management is key for PT Taspen in achieving financial sustainability amidst demographic challenges, market fluctuations, and technological disruption. This study examines how PT Taspen, as a Civil Servant Pension Fund management institution, can adopt a data-driven strategic management approach to optimize fund management and ensure long-term solvency. By utilizing data analytics, PT Taspen can improve the accuracy of actuarial predictions, investment risk management, and operational efficiency. The balanced scorecard approach is used as a strategic framework to integrate financial, customer, internal process, and organizational learning perspectives. In addition, digital transformation is a key pillar in supporting the implementation of this strategy through the adoption of technologies such as big data and artificial intelligence. This study shows that data-driven strategic management not only improves financial performance but also strengthens PT Taspen's competitiveness in the modern financial ecosystem. Recommendations include strengthening technological capabilities and human resource training to support sustainable financial sustainability.

Analisis implementasi pernyataan misi bank syariah indonesia berdasarkan pendekatan swot

2025-12-01T06:40:41+00:00

Fierce competition among companies, coupled with rapid changes in consumer behavior, requires companies to have a clear strategic direction. Strategic management plays an important role in determining the long-term strategic direction formulated in the company's mission, which reflects its long-term direction and goals. Bank Syariah Indonesia has a fairly good mission statement, covering almost all components of mission statement evaluation. This study uses a descriptive-qualitative method, with the object of research being the implementation of the mission statement of Indonesian Islamic Banks, while the subject of research includes an analysis of internal and external factors through a SWOT approach. The data used is secondary data, and the data collection technique is documentation. This study aims to determine the extent to which the mission statement of Bank Syariah Indonesia has been implemented and to provide strategic recommendations that can accelerate the realization of the mission based on current conditions in the field using the SWOT approach. The results of this study provide an overview of the progress made in several of BSI's mission statements and strategic recommendations based on SWOT analysis to accelerate the realization of missions that have not yet been realized.

Strategi transformasi digital dalam meningkatkan daya saing dan kinerja perusahaan di era artificial intelligence (ai)

2025-12-01T06:31:35+00:00

The development of digital technology in the Industrial Revolution 4.0 era has brought about major changes in the way companies work and compete. One of the most influential technologies is Artificial Intelligence (AI), which helps companies become more efficient, faster, and innovative. This article discusses how digital transformation strategies can improve company competitiveness and performance in the AI era. This research uses a literature review method by reviewing various relevant journals. The results of the study indicate that the implementation of technologies such as AI, big data, cloud computing, and the Internet of Things (IoT) can improve work efficiency, service quality, and a company's innovation capabilities. However, the success of digital transformation depends not only on technology but also on the readiness of human resources, leadership that is open to change, and an adaptive organizational culture. Challenges such as data security, the ethics of AI use, and low digital literacy still need to be addressed. Therefore, digital transformation strategies must be implemented comprehensively, ethically, and sustainably so that companies can continue to grow and compete in the era of artificial intelligence.

Analisis strategi pengembangan digital banking pada bprs dalam meningkatkan loyalitas nasabah

2025-12-01T06:23:04+00:00

This study aims to analyze the strategic development of digital banking in Islamic Rural Banks (BPRS) to enhance customer loyalty. The article employs a literature review approach by examining previous studies from 2015 to 2025 discussing digital innovation, service quality, and customer behavior in Islamic banking. The findings reveal that the implementation of digital banking in BPRS still faces several challenges, including limited technological infrastructure, low digital literacy among customers, and insufficient human resource readiness. Nevertheless, there are significant opportunities for development along with the growing demand for fast, convenient, and Sharia-compliant banking services. The recommended strategies for BPRS include enhancing digital capabilities, collaborating with Islamic fintech institutions, and applying technology-based customer relationship management. Through these strategies, BPRS is expected to improve service quality and foster long-term customer loyalty in the digital era.

Meminimalisir fenomena flexing melalui kaedah ushul fiqh: pembatasan penggunaan harta berbasis maslahat

2025-12-01T06:15:07+00:00

Flexing, which shows off wealth or excess material, is rampant on social media, especially in the younger generation, and has negative social and psychological impacts. This study aims to examine the phenomenon of flexing from the perspective of Ushul Fiqh with a maslahat approach to formulate excessive use of property. The method used is qualitative, descriptive-analytical, with literature studies from classical and contemporary fiqh literature, and analyzing empirical phenomena that develop in society. The results of the survey show that Ushul Fiqh methods such as tazhir (preventive punishment), sadd adh-dhari'ah (closing the path of harm), and jalb al-mashalih (seeking benefit) can be a normative and practical basis for limiting flexing behavior. The implementation of this method needs to be supported by social policies, strengthening religious value education, and social media regulations to create a harmonious and responsible society in the use of property. This study provides an academic contribution and a practical solution based on Islamic values to overcome the negative impact of flexing for the benefit of the people.

Pengembangan strategis produk gadai emas di bank syariah: peluang, tantangan, dan inovasi strategis

2025-12-01T04:36:16+00:00

This study examines the strategic development of gold pawn (rahn) products in Islamic banking institutions in Indonesia, emphasizing opportunities, challenges, and innovative strategies. Using insights from five national journals— (Mahdania et al., 2025), (Amri & Iqbal, 2025), (Pratiwi, 2019) , (Pramadeka et al., 2024), and (Barri, 2019) —this paper analyzes how Islamic banks manage product innovation to sustain competitiveness while adhering to Sharia principles. Gold pawn products play an essential role in supporting customer liquidity, promoting financial inclusion, and strengthening ethical finance. The study finds that digitalization, hybrid contracts, and marketing innovation are core strategies that enhance customer reach and operational efficiency. However, regulatory complexity, customer literacy gaps, and operational costs remain significant challenges. Islamic banks must, therefore, align technological transformation with Sharia governance to ensure transparency and compliance. Furthermore, partnerships with gold retailers and fintech institutions can foster market expansion and increase customer trust. This study contributes to the understanding of strategic management within Islamic banking by highlighting the importance of innovation and ethical integrity in gold pawn services as a sustainable and Sharia-compliant financial solution.

Pencegahan stunting berbasis edukasi gizi dengan pendekatan inovatif di desa sumberdem

2025-12-01T04:23:03+00:00

Stunting is one of the urgent public health issues in Indonesia, particularly in rural areas with limited access to proper nutrition. The socialization conducted by the Student Community Service Group (KKM) of UIN Malang in Sumberdem Village, Wonosari District, Malang Regency, aims to raise awareness and knowledge among the community about stunting prevention through educational and innovative approaches. This program includes three main interventions: first, a simple experiment to demonstrate the antioxidant content in vegetables using a betadine reaction as a visual learning medium; second, the development of Supplementary Feeding (PMT) in the form of mung bean and corn pudding, which are rich in essential nutrients to support children's growth; third, education on infused water made from natural ingredients as an alternative healthy beverage to reduce the consumption of packaged drinks high in artificial sweeteners. The results of this program are expected to have a positive impact by promoting healthy eating habits, improving children's nutritional status, and sustainably reducing stunting prevalence.

Formulasi visi dan misi berbasis nilai islami serta pengaruhnya terhadap loyalitas nasabah: suatu pendekatan pemikiran konseptual dalam konteks perbankan syariah

2025-12-01T04:14:46+00:00

This article examines the formulation of vision and mission statements in Islamic banking institutions grounded in Islamic values and their influence on customer loyalty. The vision and mission are viewed not merely as strategic management tools but as expressions of spiritual awareness that integrate the principles of amanah (trustworthiness), ʿadl (justice), maslahah (public welfare), and barakah (blessing) into the framework of maqāṣid al-syarī‘ah. By conducting a literature review of strategic management, Islamic economics and Islamic consumer behaviour, the article proposes a conceptual framework termed “Spiritual Strategic Alignment” the alignment of Islamic spiritual values with organisational strategy through authentic vision and mission statements. The model posits that internalising Islamic values in these statements enhances customer trust, thereby fostering enduring loyalty (‘loyalty by faith’) in Islamic banking. This theoretical piece does not present empirical data but lays the groundwork for future empirical research and strategic practice in Islamic banking to strengthen its moral and spiritual identity.

Inovasi produk keuangan mikro syariah dalam mendukung perluasan usaha umkm di sektor industri kreatif halal di daerah pedesaan

2025-12-01T03:35:28+00:00

MSMEs not only play an important role in absorbing labor and strengthening the structure of the local economy, but also serve as a means for equitable distribution of community income. However, MSME players in this sector often face major obstacles in the form of limited access to financing that is in accordance with sharia principles and the characteristics of their businesses. The purpose of writing this article is to find out the Innovation of Sharia Microfinance Products in Supporting MSME Business Expansion in the Halal Creative Industry Sector in Rural Areas. The type of research in this study is library research, namely research through literature or literature studies. Islamic microfinance product innovation plays an important role in encouraging the development and expansion of MSME businesses in the halal creative industry sector, especially in rural areas. Through the application of sharia principles integrated with digital technology and empowerment approaches, a more inclusive, equitable and sustainable business ecosystem is created. This innovation not only offers capital solutions, but also contributes to increasing production capacity, developing more diverse businesses, and expanding market networks at local, national and international levels.

Literasi keuangan dan strategi manajemen digital bank syariah dalam meningkatkan adopsi layanan oleh generasi z

2025-12-01T03:27:53+00:00

The development of digital technology following the pandemic has brought significant changes to the working systems of financial institutions, including Islamic banks. Service processes have shifted entirely to digital, making them more efficient and accessible to the public. However, this change also presents new challenges, particularly for Generation Z, who are the primary users of digital services but still have low levels of Islamic financial literacy. According to a 2024 OJK survey, the Islamic financial literacy rate among Gen Z has only reached 19.4%, while the inclusion rate has exceeded 80%. This situation highlights the need for a digital management strategy that focuses not only on technological development but also on improving customer understanding of Islamic financial principles. This article uses a literature review method that reviews various studies on Islamic financial literacy, Gen Z financial behavior, and Islamic banking digital management strategies. The study results indicate that Islamic financial literacy plays a crucial role in increasing Generation Z's trust and interest in digital Islamic banking services. Conversely, innovative digital management strategies help banks deliver modern services while remaining compliant with Islamic values. The two are interrelated and are key to the success of Islamic banking in increasing the adoption of digital services in the era of technological transformation.

Implementasi manajemen strategi untuk meningkatkan kinerja keuangan bank syariah

2025-12-01T03:07:26+00:00

This study aims to analyze the implementation of strategic management in improving the financial performance of Islamic banks in Indonesia. The background of this study is based on the increasing competition in the banking industry as well as the demands for applying Sharia principles in every aspect of management. The research method uses a descriptive qualitative approach by reviewing literature from various journals and official reports of Islamic financial institutions. Data were obtained through a literature study of five main scientific sources discussing management strategies, product innovation, and their impact on the financial performance of Islamic banks. The results of the study indicate that the implementation of strategic management, which includes planning, implementation, and evaluation, has a positive effect on the profitability, efficiency, and financial stability of Islamic banks. In conclusion, the success of Islamic banks in improving financial performance heavily depends on the management's ability to formulate appropriate strategies. with Sharia principles, innovative, and adaptive to changes in the business environment.

Analisis strategi bank syariah indonesia dalam mengelola risiko pembiayaan mudharabah dan musyarakah pada sektor umkm

2025-12-01T02:55:40+00:00

This study aims to analyze the strategies of Bank Syariah Indonesia (BSI) in managing risk in Mudharabah and Musyarakah financing to MSMEs. The research employs a mixed-methods approach, using quantitative data such as financial ratios (NPF, FDR, financing growth) of BSI during 2019–2024, and qualitative data from BSI’s risk management policy documents. Analysis is carried out using a combination of risk analysis and SWOT analysis, operationalized by expert panel scoring. The results indicate that the primary risks in Mudharabah and Musyarakah financing include loan defaults, moral hazard, and market uncertainties in MSME sectors. The most effective mitigation strategies include portfolio diversification, enhanced character screening, regular monitoring, MSME education and assistance, and implementation of monitoring technology. Practical implications of this research are internal policy recommendations for BSI to strengthen post-disbursement monitoring and evaluation systems, and expand collaboration with government institutions and MSME support agencies.

Pengaruh digital public relations terhadap kepercayaan dan loyalitas nasabah bank syariah : strategi influencer marketing dalam komunikasi syariah

2025-12-01T02:45:19+00:00

The development of information technology has transformed communication patterns between financial institutions and society. In the context of Islamic banking, Digital Public Relations (Digital PR) has become an essential strategy for building a positive image, increasing trust, and maintaining customer loyalty. This study aims to describe and analyze the influence of Digital Public Relations on customer trust and loyalty in Islamic banks in Indonesia. The research method used is library research, which involves reviewing relevant literature, academic journals, and previous studies related to the topic. The findings indicate that the implementation of Digital Public Relations through social media, websites, and digital campaigns can strengthen the relationship between Islamic banks and their customers. Transparent two-way communication, educational content on Islamic finance, and prompt responses to public inquiries play significant roles in establishing trust. Moreover, the trust built through effective digital communication contributes directly to increased customer loyalty. Thus, Digital Public Relations serves as a strategic instrument to enhance the reputation and sustainability of Islamic banks in the era of digital transformation.

Strategi manajemen inovatif di bank syariah: analisis implementasi dan dampak terhadap keberlanjutan lembaga keuangan Islam di Indonesia

2025-12-01T02:37:03+00:00

The development of the Islamic financial industry in Indonesia demands management innovation that can address the challenges of competition and digitalization. This study aims to analyze the implementation of innovative management strategies in Islamic banks and their impact on the sustainability of Islamic financial institutions. The approach used is a descriptive qualitative method through a literature review of five journals from the UIN Malang Repository for the 2021–2024 period. The analysis shows that the implementation of innovations in the areas of service digitalization, strengthening human resources based on Islamic values, and developing Islamic financial products contribute significantly to efficiency and customer trust. Furthermore, the integration of technologies such as artificial intelligence (AI) and Islamic fintech can expand the reach of services without compromising the principles of maqasid sharia. In conclusion, management innovation aligned with Islamic values is a crucial element in maintaining the sustainability and competitiveness of Islamic financial institutions in the modern era.

Rancangan media pembelajaran berbasis audio pada pembelajaran bahasa arab materi نُزْهَة kelas vi

2025-12-01T02:30:47+00:00

This study aims to design an audio-based learning media for Arabic subject, specifically on the topic Nuzhah for sixth-grade elementary/madrasah students. The research was motivated by the limited availability of Arabic learning media aligned with the Merdeka Curriculum, particularly in developing istima’ (listening) skills. The research employed the Research and Development (R&D) approach using the ADDIE model, limited to the Analysis, Design, and Development stages. Data were collected through observation, interviews, and documentation. The result of the development is a digital media called ABU NAWAS, packaged as an interactive audio book complemented by practice exercises using liveworksheet and wordwall. The media was designed to facilitate students in learning vocabulary, narratives, and Arabic structures through the discovery learning approach. The product remains at the design stage and has not yet undergone implementation or evaluation. Therefore, it holds potential to enhance students’ listening skills in a more engaging and contextual way, though further validation and testing are required.

Analisis risiko operasional dalam industri perbankan: studi kasus pada bank umum di indonesia

2025-12-01T02:19:55+00:00

This study analyzes operational risks that arise in the operational activities of commercial banks in Indonesia. With the increasing complexity of operations and technological developments, commercial banks face various challenges in managing risks that can threaten their stability and performance. Operational risks that include human error, system disruptions, and external events, require serious attention for effective mitigation. This study identifies various forms of operational risks and evaluates strategies for managing these risks. Proposed solutions include improving human resources, developing better internal control systems, and implementing sophisticated information technology for risk detection and prevention. The results of the study indicate that the implementation of systematic and effective operational risk management can not only improve bank stability and profitability, but also strengthen customer trust and support the growth of the national banking sector.

A self-phonological analysis on my english pronunciation as an indonesian efl learner

2025-11-28T07:58:37+00:00

This study addresses the problem of pronunciation errors frequently encountered by English as a Foreign Language (EFL) learners, which can affect both confidence and communicative effectiveness. The aim of this research is to analyze the patterns of pronunciation errors made by the author as an EFL learner and to identify the underlying causes. The study employs Error Analysis (EA) to map the errors and Generative Phonology to explain the phonological mechanisms behind them. Data were collected from the pronunciation of 40 English words recorded through the SpeechAce application and analyzed using a descriptive-quantitative approach. The findings reveal that substitution errors dominate (89.8%), followed by elision (10.2%), with no distortion detected. The most frequent errors occurred in the phonemes /k/, /ə/, /t/, /s/, and /p/. Further analysis indicates that errors arise not only from first language transfer but also from articulatory limitations, such as difficulty in controlling tongue movement. This highlights that pronunciation learning requires an integrative approach that encompasses cognitive, linguistic, and physiological aspects. In conclusion, this study emphasizes that understanding EFL learners’ phonological errors should account for both linguistic and non-linguistic factors and underscores the importance of reflective and supportive pronunciation teaching strategies.

Manajemen strategi dan risiko sebagai pilar penguatan lembaga keuangan syariah di era global

2025-11-28T07:45:20+00:00

This study aims to examine the role of strategic management and risk management in strengthening the competitiveness and resilience of Islamic financial institutions globally. This study employed a descriptive qualitative method with a library research approach through a review of seven relevant scientific articles. The results indicate that implementing risk management aligned with Islamic principles can increase institutional resilience to global economic turmoil. The use of SWOT analysis has proven effective in formulating competitive strategies based on internal strengths and external opportunities. Meanwhile, digital transformation is a crucial instrument for improving operational efficiency and customer satisfaction while remaining guided by Islamic values. International expansion, on the other hand, demands strengthened governance, product innovation, and adjustments to cross-border policies. Overall, the collaboration between risk management, business strategy, and digitalization is a key factor in maintaining the sustainability and competitiveness of Islamic financial institutions globally.

Bukan hanya sekedar angka: memahami peran matematika dalam kehidupan nyata

2025-11-28T07:38:48+00:00

Mathematics is not just a science related to numbers and formulas, but it also plays an important role in many aspects of daily life. This article outlines how mathematical concepts are implemented in real-life activities such as personal finance management, budgeting, architectural design, decision-making, as well as technology development and innovation. Not only that, mathematics also contributes to the formation of critical, systematic, and analytical thinking that is very useful in problem-solving and facing the challenges of modern life. This research emphasizes the importance of a contextual and applicative approach to learning mathematics, so that students can and are able to connect the material with the realities they face. Thus, mathematics is not only an academic medium but also an important life skill to enhance the quality and effectiveness of decision-making and problem-solving.

Kaidah al-ḍarar yuzal dalam perlindungan hak masyarakat: studi kasus hukum lingkungan di indonesia

2025-11-28T07:02:38+00:00

The principle of al-ḍarar yuzāl, which means "harm must be eliminated", is one of the key concepts in Islamic jurisprudence. It emphasizes that any form of damage or danger that affects society must be prevented or removed. In today's context, this principle is highly relevant to environmental issues, especially when development or natural resource exploitation causes harm to both people and nature. One example is the nickel mining activity in Raja Ampat, which is considered to have damaged protected forest areas and affected the rights of indigenous communities. This study aims to explore the meaning of the al-ḍarar yuzāl principle and how it can be applied to protect community rights within the framework of environmental law in Indonesia. This research uses a normative qualitative approach through literature review. The findings show that this principle aligns with national environmental regulations, especially in the areas of prevention and recovery. It can also serve as a moral and legal foundation for efforts to protect the environment and support justice for affected communities.

Peran mahasiswa dalam menjaga moderasi beragama di era digital

2025-11-28T06:54:52+00:00

Religious moderation is an essential effort to preserve harmony in Indonesia’s highly diverse society. Promoted by the Ministry of Religious Affairs, religious moderation emphasizes the principles of tawassuth (moderation), tawazun (balance), i’tidal (justice), and tasamuh (tolerance) as the foundation of religious life. In the digital era, university students play a strategic role in strengthening these values, as they serve not only as academic agents but also as social agents who actively engage in the digital public sphere. This study aims to examine the role of students in maintaining religious moderation amidst the challenges of globalization and the rapid development of digital technology. The research applies a literature study method by analyzing scientific articles, community service reports, and academic references related to religious moderation. The findings highlight three main roles of students: as digital literacy agents capable of filtering information and producing positive content, as peace-builders who promote interfaith dialogue in plural societies, and as promoters of national unity who internalize values of tolerance and inclusivity in the face of transnational ideologies. Moreover, the use of social media and cyberspace has proven to be effective in embedding religious moderation values among young generations, provided that sufficient literacy accompanies it. Therefore, students are not merely consumers of information but also producers of ideas who can create a healthy, tolerant, and civilized digital public sphere, while simultaneously strengthening Indonesia’s national identity.

Mediasi sebagai upaya penyelesaian sengketa perceraian di pengadilan agama

2025-11-28T06:48:49+00:00

Divorce is a complex family legal issue requiring effective resolution mechanisms such as mediation. This study examines the role and strategies of mediators in improving mediation success rates for divorce cases at the Jombang Religious Court in 2025. Using an empirical legal approach with descriptive-analytical methods, data was collected through mediator interviews and reviews of literature and regulations. Findings show that mediation success rates remain low due to low public legal awareness, lack of goodwill from parties, insufficient mediator competency, and inadequate facilities. However, a positive trend was observed in partial successes, such as agreements on child custody and asset division. Effective strategies included active communication, reframing techniques, empathetic humanistic approaches, and integration of religious values. To enhance mediation quality, improvements in mediator training, facilities, and public awareness are essential. Professionally managed mediation serves not only as a formal procedure but also as a restorative justice tool to reduce conflict and maintain family harmony.

Dampak krisis global terhadap stabilitas risiko operasional di perbankan syariah

2025-11-28T06:42:14+00:00

This article reviews how the global crisis impacts the stability of operational risk in Islamic banks. Crises such as the 2008 financial crisis and the COVID-19 pandemic exerted significant pressure on operational activities, ranging from disruptions in information technology systems to an increased risk of errors in internal processes due to high workloads. This study identifies several factors that affect the operational resilience of Islamic banks, including the readiness of digital infrastructure, human resource capabilities, effectiveness of internal policies, and regulatory responses from authorities. The discussion results highlight the importance of strengthening technology systems, enhancing employee competencies, implementing early detection systems for operational disruptions, and refining business continuity plans. These findings are expected to serve as a reference in formulating robust and responsive operational risk management strategies to the dynamics of global crises.

Analysis of the ego development of the main character in adapting to social reality in the short story the child’s story by charles dickens: a psychoanalytic approach by freud

2025-11-28T06:33:20+00:00

This study analyzes the ego development of the main character in Charles Dickens’ short story The Child’s Story through Freud’s psychoanalytic approach. The research focuses on how the ego functions as an adaptive mechanism in mediating the impulses of the id, the demands of the superego, and external social reality throughout different stages of life. Using a qualitative descriptive method, the analysis reveals that the character’s ego gradually develops from childhood to old age, balancing instinctual drives with social expectations. The findings show that the ego enables the character to internalize values, delay gratification, manage emotional conflicts, and adapt to shifting realities. Dickens’s use of symbolic narrative structures illustrates the psychological journey not merely through explicit inner conflicts but also through life stages represented by transitions between characters. This study highlights the significance of Freud’s theory of the ego in literary analysis for understanding identity formation and adaptation. Furthermore, it suggests that integrating other psychological frameworks, such as Erikson’s psychosocial theory, may provide a broader perspective on the social influences of ego development.

Pengaruh manajemen risiko terhadap pengambilan keputusan investasi pada perusahaan manufaktur

2025-11-28T06:26:15+00:00

This study aims to evaluate the impact of risk management on investment decisions in manufacturing companies. In the context of globalization and increasingly tight business competition, manufacturing companies face various challenges in making the right investment decisions. Risk management plays an important role in helping companies identify, evaluate, and manage various risks that can affect the achievement of their business goals. This study applies a quantitative approach with samples from manufacturing companies to test the hypothesis regarding the impact of risk management on the quality of investment decisions. The findings of this study indicate that the implementation of risk management in manufacturing companies is at a moderate to good level, covering four main aspects: risk identification, risk evaluation, risk mitigation, and monitoring and evaluation. The investment decision-making process is carried out in a structured manner. Companies that implement a good risk management system tend to make better quality investment decisions based on the right information. This study provides a practical contribution for manufacturing companies to improve their risk management system and integrate it into the investment decision-making process.

Analisis kebijakan manajemen risiko cicilan rumah pada bank syariah indonesia (bsi)

2025-11-28T06:19:22+00:00

This study discusses the risk management policies in home financing (KPR) at Bank Syariah Indonesia (BSI). In practice, KPR financing faces various risks such as credit risk, sharia compliance risk, market risk, liquidity risk, operational risk, legal risk, and reputational risk. These risks can threaten the stability and sustainability of financial institutions if not properly managed. Therefore, the implementation of effective and structured risk management is essential. Bank Syariah Indonesia applies risk mitigation strategies through a systematic approach, including the 5C principle in financing analysis, compliance with DSN-MUI fatwas, balanced asset and liability management, and internal system strengthening. The study shows that comprehensive risk management can help the bank minimize potential losses and maintain public trust in sharia financial institutions.

Strategi mitigasi risiko pembiayaan pada produk ijarah di bank syariah

2025-11-28T06:07:29+00:00

This study aims to identify and analyze risk mitigation strategies implemented by Islamic banks in financing based on the Ijarah contract. Ijarah, which is a lease agreement involving the transfer of usufruct of an asset, carries unique risks such as asset depreciation, client default, and legal or Shariah compliance risks. This research adopts a qualitative descriptive approach using case studies from several national Islamic banks. Data collection techniques include in-depth interviews with financing practitioners, internal document analysis, and literature reviews on Islamic financial principles. The findings reveal that risk mitigation strategies in Ijarah financing combine contractual, operational, and integrated risk management measures. These include the use of Islamic insurance (takaful), periodic asset valuation, penalty clauses for delays, and additional guarantees or collateral. Furthermore, customer education and awareness are essential to minimize moral hazard. The study concludes that effective risk mitigation in Ijarah financing depends on the synergy between Shariah-compliant product design and adaptive risk management aligned with market dynamics. These findings offer valuable insights for enhancing risk management policies in the Islamic banking sector.

Peran manajemen risiko dalam mengelola kewajiban pajak bagi usaha mikro, kecil, dan menengah (UMKM

2025-11-28T04:31:01+00:00

This study aims to analyze the contribution of risk management implementation in managing tax obligations by Micro, Small and Medium Enterprises (MSMEs) in Indonesia. MSMEs are a strategic sector in the national economic structure, but still face serious challenges related to low tax compliance. Low tax literacy, limited resources, and minimal application of risk management principles are the main factors of non-compliance. Through a qualitative approach based on literature and documentation studies, this study found that the systematic application of risk management can increase fiscal awareness, improve financial governance, and reduce potential tax sanctions. In addition, strengthening strategies such as community-based tax education, reporting digitalization, and cross-sector collaboration are needed to encourage sustainable compliance. The results of this study are expected to provide theoretical and practical contributions for MSME actors and policymakers in creating a more adaptive and inclusive tax ecosystem.

Manajemen risiko reputasi pada perbankan syariah di era digital: tantangan, strategi mitigasi, dan kepatuhan syariah

2025-11-28T03:11:34+00:00

This study analyzes reputation risk management in Islamic banking in Indonesia in the context of the digital era. Using a qualitative approach through literature study, this study aims to identify the characteristics of reputation risk, the factors that influence it, and effective mitigation strategies for Islamic banking. The results of the study indicate that reputation risk in Islamic banking has a more complex dimension than conventional banking, because it is closely related to sharia compliance and the expectations of Muslim customers. The digital era has presented new challenges in the form of rapid dissemination of information through social media, high transparency, and cybersecurity. Effective mitigation strategies include strengthening the governance system, implementing sharia-compliant digital technology, increasing employee digital literacy, and developing proactive communication with stakeholders. This study recommends the development of a reputation risk management framework that is integrated with the sharia compliance system to maintain customer trust and the stability of the Indonesian Islamic banking industry.

Manajemen risiko perbankan syariah dalam menghadapi tantangan global

2025-11-28T03:04:10+00:00

Islamic banking, as an integral part of the national financial system, faces various complex global challenges, including economic volatility, the advancement of digital technology, and increasing risks related to Sharia compliance. In this context, risk management becomes a key element in maintaining the stability and sustainability of Islamic banking operations. This study aims to conceptually examine how risk management strategies are implemented in Indonesian Islamic banks in response to global dynamics. The discussion covers an understanding of the characteristics of risks within the Sharia-based system, global challenges that affect bank performance, and applicable risk mitigation strategies. The findings indicate that an adaptive, integrated, and Sharia-compliant approach to risk management is essential to strengthen the resilience of Islamic banks. Furthermore, strengthening the role of the Sharia Supervisory Board, optimizing technology, and improving human resource competence are strategic steps in addressing future challenges. With effective risk management, Islamic banking is expected to grow sustainably and contribute significantly to the national economy.

Reaksi kimia dalam bidang pertanian: pengaruh reaksi kimia tanah terhadap kesuburan tanaman

2025-11-28T02:57:51+00:00

Soil fertility is a major factor in the success of agricultural cultivation. One important aspect that influences soil fertility is the chemical reactions that occur within it and the availability of nutrients. Various reactions such as acid-base reactions (pH), cation exchange (CEC), reduction-oxidation (redox) reactions, and the process of dissolution and precipitation of nutrients that can be absorbed by plants. This article discusses the influence of various chemical reactions in the soil and the factors that can affect plant fertility. In addition, external influences of human activities also significantly impact the level of soil fertility, such as fertilization practices and irrigation management. This article examines how these chemical reactions can increase or inhibit the absorption of nutrients in the soil by plants. It is hoped that this article will provide a deeper understanding of the role of chemical reactions in the soil on plant fertility by examining various types of reactions and their impact on nutrient availability and biological activity in the soil, thereby helping to raise awareness of the importance of proper soil chemical management to maintain long-term soil productivity and health.

Optimalisasi manajemen risiko pembiayaan kpr berkelanjutan pada bank syari’ah di Indonesia

2025-11-28T02:05:52+00:00

The significant growth of sharia mortgage financing in Indonesia requires optimal risk management so that the sustainability and stability of sharia financial institutions can be maintained. This article examines risk management strategies in sustainable sharia mortgage financing by emphasizing the importance of systematic risk identification, measurement, monitoring, and control processes. The author identifies six main risk categories, namely financing risk, market risk, liquidity risk, operational risk, sharia compliance risk, and external risk. Through an analysis of the stages of risk management and additional strategies such as portfolio diversification, compliance with sharia principles, and the use of protection instruments, this article highlights the need for an integrated risk management approach that is in accordance with maqashid sharia. The results of this study are expected to provide theoretical and practical contributions in strengthening the sharia mortgage financing system that is adaptive, transparent, and long-term oriented

Sosialisasi parenting qur’ani sebagai pilar membangun generasi beriman dan berakhlak mulia di taman pendidikan al-qur’an nurul muttaqien desa plaosan wonosari kabupaten malang

2025-11-28T01:57:20+00:00

This community service activity aimed to enhance the understanding of both students and guardians at TPQ Nurul Muttaqien regarding the concept of Qur'anic parenting as a foundation for building a generation of faithful and virtuous individuals. Through this socialization, it is hoped that the guardians can implement parenting styles that align with the values of the Quran, namely parenting based on love, exemplary behavior, and effective communication. This socialization activity was conducted at TPQ Nurul Muttaqien, Dusun Plaosan, Desa Plaosan, Kecamatan Wonosari, Kabupaten Malang. The method used in this parenting socialization was the provision of materials. The socialization has successfully increased the understanding of the guardians about the importance of being role models for their children. They realize that Quranic parenting emphasizes the importance of love, discipline, and obedience. By applying these values in their daily lives, it is hoped that the guardians can guide their children to grow into individuals who are faithful and have noble character.

Strategi komunikasi digital public relation dalam membangun reputasi bank syariah di era modern

2025-11-28T01:50:41+00:00

The rise of digital technology has significantly transformed communication patterns within financial institutions, including Islamic banks. Amid the intense competition in the financial industry, the role of Public Relations (PR) is crucial in building and maintaining a positive image of Islamic banks. This paper analyzes the role and strategies of PR in strengthening public trust and improving the reputation of Islamic banks through digital media. Using a qualitative descriptive approach and literature review, this study finds that PR in Islamic banks serves not only as a promotional tool but also as a communication bridge that promotes trust, transparency, and Islamic values in the digital era..

Analisis kriteria mutu tujuan jangka panjang dan pengaruhnya terhadap keputusan manajerial: kasus pada bank syariah indonesia

2025-11-27T06:54:16+00:00

En Long-term goals serve as the primary guideline in strategic management because they determine the direction of organizational policy. This article aims to assess the quality of Bank Syariah Indonesia's (BSI) long-term goals by referring to seven main criteria: acceptable, flexible, meaurable, motivating, suitable, understandable, and achievable. It also analyzes their influence on the managerial decision-making process. The approach applied is a conceptual method with theoretical analysis and literature study on strategic management and BSI's performance reports. The results show that BSI has met most of the main criteria in terms of acceptability, meaurability, suitability, and achievability, as evidenced by the alignment between its vision, performance indicators, and the principles of maqashid sharia. However, flexibility and understanding still require improvement in adapting to changes in the digital industry and internal communication. Conceptually, the quality of ideal long-term goals increases the efficiency of decision-making at the strategic, tactical, and operational levels. This research is expected to contribute to strengthening the strategic planning of Islamic financial institutions and serve as a foundation for further empirical research.

Penerapan manajemen strategi terhadap lembaga keuangan syariah (lks) di era digital

2025-11-27T06:45:34+00:00

This study explains the application of strategic management in Islamic financial institutions (IFIs) in the digital age, characterized by advances in information and communication technology. Digitalization is a crucial element for improving efficiency, transparency, and service quality in Islamic finance. By utilizing technologies such as artificial intelligence (AI), big data, blockchain, and fintech, IFIs are able to expand services, accelerate transactions, and improve customer satisfaction without compromising Sharia principles. This study also highlights the opportunities and challenges faced by IFIs in their digitalization journey, including the importance of human resource readiness, data protection, and adherence to Islamic law. The analysis shows that the implementation of digital management strategies has a positive impact on operational efficiency, increased customer satisfaction, and IFIs' business growth. Therefore, a digital management strategy that aligns with Sharia principles is a crucial step in strengthening the competitiveness and sustainability of Islamic financial institutions in the modern era.

Rahasia sukses: implementasi manajemen strategi dalam perbankan syariah

2025-11-27T06:29:54+00:00

This study explores the implementation of strategic management in Islamic banking as a key factor in enhancing competitiveness and sustainability within Islamic financial institutions. The research focuses on four main strategic aspects: leadership commitment, human resource competence, digital technology utilization, and the development of Sharia-compliant products and services. Through literature reviews and case analyses of several Islamic banks in Indonesia, the study finds that successful strategic management relies heavily on the synergy between Sharia governance, technological innovation, and an ethical organizational culture oriented toward public welfare. The integration of digitalization with Islamic values has proven effective in improving efficiency, transparency, and customer trust. Therefore, effective strategic management not only strengthens the competitive position of Islamic banks but also contributes to building a fair and sustainable financial system.

Strategi pemasaran perbankan syariah di era digital: sinergi nilai islam, bauran pemasaran, dan inovasi teknologi

2025-11-27T05:27:50+00:00

This study discusses the management of Islamic banking marketing strategies today, emphasizing the integration of Islamic values, the application of the Islamic marketing mix, and the use of information technology. The research method used is a qualitative literature review based on a review of various literature related to Islamic marketing and banking digitalization. The results show that an effective marketing strategy must be based on the principles of justice, transparency, and blessings, and implemented through nine elements of the Islamic marketing mix that are oriented towards ethics and service. Digital transformation is a crucial factor in expanding market reach and increasing customer loyalty, although its success is greatly influenced by digital literacy and the institution's consistency in providing Islamic value-based education.

Manajemen strategi kompetitif dalam membangun citra dan loyalitas nasabah bank syariah

2025-11-27T05:19:05+00:00

This study aims to investigate the implementation of competitive strategic management in creating both image and customer loyalty in Islamic banks in Indonesia. In facing increasingly intense competition in the banking sector, Islamic banks need to design efficient strategies to enhance their competitiveness. These strategies include product innovation, improving service quality, consistently applying Islamic values, and optimizing digital technology. A positive image of Islamic banks is formed through customer trust in Islamic financial principles, transparency, and a commitment to ethical services. This strong image directly influences the increase in customer loyalty, which is reflected in their willingness to continue using the products and services of Islamic banks and to recommend them to others. This research uses a descriptive qualitative approach with literature studies derived from various journals and relevant sources. The findings show that well-planned competitive strategic management can strengthen the company’s image and build long-term loyalty amid the modern banking industry competition

Peran digitalisasi dalam meningkatkan efektivitas manajemen risiko lembaga keuangan syariah

2025-11-27T04:48:46+00:00

Digitalization has become a crucial pillar in enhancing the effectiveness of risk management within Islamic financial institutions. Through the application of technologies such as Artificial Intelligence (AI), big data, and blockchain, the processes of risk identification, analysis, mitigation, and monitoring can be carried out automatically and in real time. These innovations not only improve operational efficiency and decision-making accuracy but also strengthen transparency and compliance with Sharia principles that prohibit riba (usury), gharar (uncertainty), and maysir (gambling). Literature reviews and case studies from Bank Syariah Indonesia (BSI) indicate that the integration of digitalization with Sharia governance enhances financial stability, customer trust, and promotes equitable financial inclusion. Nevertheless, digital transformation faces several challenges, including regulatory readiness, cybersecurity, and public digital literacy. Therefore, strategic collaboration among regulators, academics, and Sharia scholars is essential to ensure that the digitalization process remains aligned with Islamic values while effectively addressing the demands of the Fourth Industrial Revolution era.

Pendidikan : metode pembelajaran inklusi tingkat SD/ MI

2025-11-27T04:37:41+00:00

Inclusive education is one of the strategic steps in realizing equal quality education for children with special needs (ABK). Through inclusive education, every child has the same right to access proper education without discrimination. The Indonesian government has mandated public schools to accept students with special needs as a form of implementing equitable education policies. However, the success of inclusive education greatly depends on the readiness of schools to adapt their curriculum, learning methods, and the competence of educators who are able to understand the individual needs of students. Therefore, synergy between the government, educators, and the community is needed to create a learning environment that is friendly, supportive, and inclusive for all students. Inclusive education is not only a fulfillment of basic rights, but also an important investment in creating a generation of citizens who are fair and competitive.

Jejak langkah fiqh: studi kronologis perkembangan hukum islam dari masa rasulullah hingga kontemporer

2025-11-27T04:26:18+00:00

This study aims to trace the historical trajectory of the development of Fiqh (Islamic jurisprudence) chronologically, from its foundational period during the time of the Prophet Muhammad (PBUH) to its dynamics in the contemporary era. The research employs a historical-analytical approach to analyze the transformation of methodologies, sources, and characteristics of Fiqh in each historical phase. The findings indicate that Fiqh has undergone dynamic and multi-layered evolution. It began with the Formation phase during the Prophet’s era, which was directly derived from divine revelation, then moved into the Foundation and Consolidation phases during the era of the Rightly Guided Caliphs and the Codification period, where the various schools of jurisprudence emerged and flourished. The subsequent phase of Stagnation (Taqlid) also shaped the character of Islamic law before it was revitalized through the Revival (Tajdid) movement and faced new challenges in the Contemporary era. The conclusion of this study affirms that understanding this chronology of Fiqh’s development is crucial for addressing modern legal issues while adhering to the fundamental principles of Sharia, thereby demonstrating the flexibility and enduring relevance of Fiqh throughout history.

Pengaruh Media Sosial terhadap Regulasi Emosi pada Remaja

2025-11-27T04:08:53+00:00

This study aims to analyze the influence of social media use on emotion regulation among adolescents. Social media has become an integral part of daily life, yet its use brings various psychological consequences. Literature review shows that social media can serve as a positive tool for emotional expression and social support, but excessive use may trigger anxiety, stress, and difficulties in emotion regulation. Adolescents with strong digital literacy are more likely to mitigate the negative impact of social media on their mental health. This study emphasizes the importance of digital literacy education as well as parental and school involvement in guiding adolescents to use social media healthily. Positive interactions that occur online can strengthen emotional regulation skills because teenagers feel supported, accepted, and have a safe space to share emotional experiences.

“Moderasi beragama di era digital: analisis pesan dakwah habib ja’far dalam login podcast”

2025-11-27T04:00:03+00:00

The phenomenon of religious intolerance remains a serious challenge in Indonesia, marked by cases of rejection of the construction of houses of worship, persecution of minority groups, and the rise of hate speech in public spaces. Religious moderation is one solution offered to maintain social harmony by emphasizing national commitment, tolerance, anti-violence, and respect for local culture. In the digital era, preaching and education about moderation are not only carried out through direct interactions, but also through social media. This study aims to analyze the preaching messages of Habib Husein Ja'far al-Hadar in the Login Podcast, broadcast on Deddy Corbuzier's YouTube channel with Onadio Leonardo. Using a qualitative approach and content analysis, this study identified messages of moderation presented in a relaxed, humorous, yet substantial style. The analysis results show that the Login Podcast consistently conveys the values of tolerance, respect for diversity, and calls to avoid violence. Furthermore, the interfaith discussions presented in several episodes provide a space for inclusive dialogue that encourages mutual respect. The findings of this study confirm that digital media can be an effective means of instilling the value of moderation, especially among the younger generation familiar with popular culture. Therefore, entertainment-based Islamic preaching content like the Login Podcast can be an alternative public education tool capable of addressing the challenges of intolerance in the digital age.

Pendidikan islam anak usia dini di sekolah berkebutuhan khusus di indonesia bagian timur: peluang dan tantangan

2025-11-27T03:48:06+00:00

Islamic education for Early Childhood (PAUD) with special needs in Eastern Indonesia presents both significant opportunities and considerable challenges. This article aims to examine how Islamic education can be inclusively implemented in special needs schools, highlighting the potential of community support, educational policies, and the readiness of religious institutions. The study was conducted through a literature review and an analysis of several inclusive education practices in districts and cities across Eastern Indonesia. The findings indicate promising opportunities, such as increasing public awareness of the importance of early Islamic education, the openness of inclusive schools to admit children with special needs, and government regulations that are progressively oriented toward inclusive services. Nevertheless, the challenges remain substantial, including the limited number of teachers trained in Islamic Education methods for children with special needs, inadequate facilities to support inclusive learning, geographical barriers that restrict access, and persistent social stigma toward children with disabilities. Therefore, strengthening teacher capacity, developing adaptive curricula, and fostering collaboration among government, communities, and religious institutions are strategic steps required. This article emphasizes that inclusive Islamic early childhood education in Eastern Indonesia can be optimized if opportunities are maximized and challenges systematically addressed.

Representasi hegemoni kultural gramsci dalam film tuhan, izinkan aku berdosa (kajian semiotika roland barthes)

2025-11-27T03:38:19+00:00

This study analyzes Kiran’s struggle in exposing the corruption of those around her, using Roland Barthes’ semiotic theory and Antonio Gramsci’s concept of hegemony. Through a qualitative approach, the research reveals how signs and myths created by the ruling elites function to maintain their hegemony in society. Data were obtained through narrative and symbolic analysis of social interactions, campaign media, and Kiran’s acts of resistance. The findings show that people around Kiran employed hegemonic narratives through symbols of power and myths of virtue to manipulate public perception. However, Kiran succeeded in deconstructing these myths, exposing the corruption behind the idealized image constructed by the authorities. The discussion highlights that although hegemony is difficult to resist, Kiran’s critical actions created cracks within such symbolic domination. This study concludes that semiotic and hegemonic analysis can serve as effective tools for understanding the dynamics of power and resistance in the context of local politics.

Masa depan pendidikan dengan AI : analisis potensi dan resiko dalam transformasi perguruan tinggi

2025-11-27T03:30:10+00:00

Artificial Intelligence (AI), particularly ChatGPT, has significantly impacted higher education in Indonesia. AI enhances the efficiency of teaching and learning processes by assisting students in understanding complex materials, completing academic assignments, and accessing various learning resources quickly and practically. However, unwise use of AI poses serious risks, such as the decline of critical thinking skills, increased plagiarism, and overdependence on technology. Therefore, it is essential to regulate AI usage in education through ethical and proportional approaches. Students must be guided to use AI as a learning aid rather than a substitute for the learning process itself. Likewise, educational institutions and educators should encourage the integration of technology while still emphasizing the development of thinking skills, creativity, and academic integrity. With a b alanced approach, AI can serve as a strategic partner in shaping a competent generation ready to face the digital era..

Fenomena nafkah pasca perceraian dengan nominal simbolis: analisis kasus rp100 pada perceraian tasya farasya

2025-11-27T01:54:14+00:00

The phenomenon of celebrity divorce often attracts public attention, not only due to its personal aspects but also because it raises broader legal issues. One notable case is the divorce of Tasya Farasya, in which post-divorce maintenance was set at a symbolic amount of Rp100. This exceptionally small figure has sparked debate, particularly regarding justice, fairness, and its compliance with both Islamic law and Indonesia’s positive law. This article aims to analyze the phenomenon through a normative review of Islamic legal sources, Law No. 1 of 1974 on Marriage, and the Compilation of Islamic Law (KHI). The method applied is a literature study with a normative juridical approach, examining statutory provisions, academic literature, and opinions of Islamic scholars as well as legal experts. The analysis reveals that post-divorce maintenance should be determined based on the principle of fairness, taking into account the husband’s ability and the wife’s needs. The symbolic amount of Rp100 does not reflect substantive justice and is more formal than functional. From an Islamic law perspective, maintenance carries moral responsibility and religious value; thus, an unreasonable nominal may neglect the objectives of sharia (maqashid al-sharia), particularly the protection of women’s rights. In Indonesian positive law, although court rulings are binding, they should still uphold the principles of justice and humanity. Therefore, this case provides a critical reflection on the need for consistency in the application of family law, emphasizing not mere legal formality but the realization of justice and public welfare.

Pemetaan Peminatan dan Sekolah Lanjutan Pada Siswa Kelas IX MTs Al Maarif 01 Singosari

2025-11-27T01:37:48+00:00

This study aims to develop a strategy for mapping interests and planning further education for ninth-grade students at MTs Almaarif 01 Singosari. The process was carried out through psychoeducation on the concept of career planning, distribution of questionnaires to assess interests and academic abilities, and individual and group counseling. Data obtained from 182 students were classified into four groups based on their career readiness and decisions. The results showed that most students experienced confusion in determining their career and secondary school choices, thus requiring appropriate guidance intervention. This method was effective in helping students recognize their potential and overcome obstacles in career decision-making.

Efektivitas bahan herbal dengan kandungan antioksidan terhadap potensi perbaikan fisiologis mencit yang diinduksi glukosa: literature review terhadap potensi menjadi bahan fungsional dalam upaya preventif dan terapi pengobatan pasien diabetes mellitus

2025-11-26T07:24:57+00:00

Diabetes mellitus (DM) is a chronic metabolic disorder characterized by hyperglycemia due to indulin secretion dysfunction or insulin resistance. The prevalence of DM continues to increase globally, demanding more innovative therapeutic approaches, including the utilization of herbal ingredients with antioxidant content to prevent serious complications. Purpose: This study aims to evaluate the effectiveness of herbal ingredients with antioxidant content on physiological improvement in glucose-induced mice, and explore their potential as functional ingredients in the prevention and therapy of DM. Methods: This study used a systematic literature review approach using PRISMA and Cochrane Handbook methods. Data were collected from scientific databases such as PubMed, ScienceDirect, and ResearchGate, limited to the last 10 years. The eligibility criteria used the PICO framework and the results were analyzed descriptively. Results: Herbal extracts such as soybean seeds, ginger, rosella flowers, and corn hair showed significant effects in lowering blood glucose levels, improving pancreatic β-cell structure, and increasing insulin sensitivity. The combination of these ingredients produced a stronger synergistic effect than single ingredients. Conclusion: Herbal extracts with antioxidant content have the potential to be an effective and safe functional therapy for DM. Further research is needed to test toxicity and long-term effectiveness to support the development of herbal medicine formulations as an alternative treatment for DM.

Implementasi algoritma brute force dalam pencarian menu pada aplikasi pemesanan coffee

2025-11-26T07:16:08+00:00

This paper discusses the implementation of the Brute Force algorithm in menu searching for a coffee ordering application. The Brute Force algorithm operates by sequentially examining all possible characters until the desired match is found. The main focus of this research is to analyze the effectiveness of the Brute Force algorithm in the context of applications with relatively small menu data. The results show that this algorithm is easy to implement and fairly efficient for limited data. However, for applications with larger datasets, it becomes less optimal and requires alternatives such as Binary Search or Hashing algorithms. This paper is expected to assist application developers in designing more user-friendly and efficient search systems.

Perilaku cyberbullying sebagai masalah sosial remaja di era digital: analisis kajian literatur tentang perilaku, pengaruh lingkungan dan implikasinya bagi kesehatan mental.

2025-11-26T07:03:20+00:00

Cyberbullying is a social problem that is increasingly prevalent among adolescents along with the development of digital technology and the increasing use of social media. This literature review aims to identify the forms of cyberbullying that occur, analyze the factors that influence it, and examine its impact on adolescent mental health. The results of the study indicate that cyberbullying can take the form of flaming, harassment, cyberstalking, denigration, masquerade, outing, and exclusion. Factors that influence the occurrence of cyberbullying include individual factors (impulsivity, emotions, self-control), family factors (supervision, parenting, support), peer factors (support and rejection), school factors (type, quality, and digital literacy), and intensive use of social media without balanced by good digital literacy. Cyberbullying has been shown to have a negative impact on adolescent mental health, including causing stress, anxiety, depression, low self-esteem, and even suicidal thoughts. Therefore, prevention and treatment efforts need to be carried out comprehensively, both within the family environment, school, and the digital community

Implementasi model pembelajaran inovatif team games tournament untuk meningkatkan minat belajar Siswa MTsN 8 Blitar

2025-11-26T06:44:16+00:00

This study aims to improve students' interest in learning Social Sciences (IPS) through the implementation of the innovative Team Games Tournament (TGT) learning model. The background of this study is the low participation and learning motivation of class VII I MTsN 8 Blitar students as indicated by inactivity in discussions, lack of response to teacher questions, and low learning outcomes. This study is a Classroom Action Research (CAR) carried out in two cycles. Each cycle consists of the planning stage, action implementation, observation, and reflection. Data were collected through observation of student activities, learning outcome tests, and interviews with teachers. The results of the study showed an increase in students' interest in learning and learning outcomes after the implementation of the TGT model. In the pre-cycle stage, only 13 students (34.2%) achieved a score of ≥ KKM. After cycle I, the number of students achieving KKM increased to 21 students (55.2%). A more significant increase occurred in cycle II, where 32 students (84.2%) achieved KKM. In addition to quantitative improvements, students also showed active involvement in learning, both cognitively, affectively, and psychomotorically. Learning became more enjoyable, interactive, and competitive. These results prove that the TGT model is effective in increasing students' interest in learning and is worthy of being applied as an alternative learning strategy, especially in social studies learning.

Menanggapi hadist maudhu’ di era digital

2025-11-26T04:18:31+00:00

Hadith is the second primary source of Islamic teachings after the Qur’an and plays a vital role in guiding Muslims in daily life. However, the emergence of fabricated hadiths maudhu’ poses a serious threat to the authenticity of Islamic teachings, especially in the digital age. Through social media, false hadiths can spread rapidly without proper verification, potentially misleading the public, creating division, and harming interreligious harmony. This article explores the historical background of fabricated hadiths, the driving factors behind their creation, and the efforts made by scholars to combat them, including isnad and matn criticism. It also emphasizes the responsibility of every Muslim to verify religious information, especially that which circulates online. Solutions such as religious education, digital literacy, and a critical approach to hadith are key to preventing misinformation. This study aims to raise public awareness about the dangers of fabricated hadiths and promote collective efforts to preserve the authenticity of the Prophet’s legacy in an age of overwhelming information

Manajemen mutu dalam meningkatkan pendidikan berbasis teknologi

2025-11-26T04:05:15+00:00

The purpose of this study is to explain quality management as an improvement in education with the development of technology. Quality is one of the important aspects in education, with quality management as the main thing in facing competition in educational institutions must be comprehensive and integrated. Effective quality management can have an effect on the educational institution. Basically, the rapid development of technology is an influence in education to improve quality. This research uses a literature approach to examine the connection between quality management and technology in the context of education. The findings show that the execution of quality management in the context of technology-based education not only improves the educational process process but also prepares to face challenges in the era of globalization

Efektivitas penerapan media wordwall dalam pembelajaran bahasa arab di MI Syihabuddin Malang

2025-11-26T03:45:44+00:00

This research aims to describe the effectiveness of using Wordwall as a learning media in Arabic language instruction at MI Syihabuddin Malang. The study was initiated based on the observation that Sstudents' interest and motivation in learning Arabic remained low due to monotonous and less interactive teaching methods. A descriptive qualitative approach was employed, using observation, interviews, and documentation as data collection techniques. The findings revealed that the implementation of Wordwall significantly enhanced students’ motivation and classroom engagement. The platform proved to be effective as it presents learning material through enjoyable and accessible interactive games. Wordwall also enabled teachers to deliver lessons in a more dynamic and engaging manner. Thus, Wordwall can serve as an effective alternative media to support Arabic vocabulary acquisition and language skills development among primary school students.

Agama dalam kajian sosiologi

2025-11-26T03:35:42+00:00

This article examines religion from a sociological perspective as a central element in the social structure that shapes the patterns of human life. Religion is not only understood as a spiritual belief system but also as a tangible social phenomenon observable in daily interactions. Within this framework, religion functions as a source of values, norms, and ethics that regulate human behavior, while simultaneously serving as a medium of social cohesion that strengthens solidarity among individuals and groups. However, religion also has the potential to generate social conflict when diversity of beliefs is not accompanied by tolerance and mutual respect. The discussion covers several research methods in the sociology of religion, including descriptive, comparative, experimental, historical-comparative, and explanatory approaches. Moreover, it analyzes the influence of religion on social, cultural, political, and economic life, as well as its relation to mass media and interfaith interactions. The findings highlight the dual function of religion: first, as an integrative force that nurtures solidarity, peace, and stability; and second, as a factor that may intensify social divisions. Therefore, religion should be approached critically and empirically so that its role can genuinely contribute to building a harmonious, just, and civilized society.

Analisis model pembelajaran contextual teaching and learning (ctl): penerapan, kelebihan, serta kelemahannya dalam pembelajaran pai

2025-11-26T03:22:03+00:00

This research discusses the application of the Contextual Teaching and Learning (CTL) model in Islamic Education (PAI), highlighting its implementation, advantages, and disadvantages. CTL is an approach that emphasizes the connection between learning materials and real-life experiences, so that students not only understand concepts theoretically but also can relate them to everyday life. In the context of PAI, CTL plays an important role in forming a deeper understanding of Islamic values and encouraging students to internalize religious teachings in real practice, such as worship, morals, and transactions. The analysis results show that CTL has advantages, among others, increasing learning motivation, training critical thinking skills, strengthening cooperation, and making learning more meaningful. However, CTL also has weaknesses, such as requiring more time, demanding a more intensive role from teachers, and the potential for a less conducive classroom atmosphere if not managed well. Therefore, CTL can be an effective alternative strategy for Islamic Education teachers, provided that its implementation is accompanied by optimal planning and classroom management.

Ecobrick meja : solusi inovatif mengatasi masalah sampah plastik

2025-11-26T03:14:11+00:00

The problem of waste has become a classic problem that continues from time to time, both in Indonesia and in various pasrts of the world. As a developing country, Indonesia should pay special attention to this issue, especially plastic waste which is one of the most concering waste. Plastic is widely used in various aspects of human life, from food packaging to automotive industry materials. As a material, plastic is one of the most popular and most seriously used ins the manufacture of automotive components, besides metals such as iron. However, the main problem caused by plasticis its waste which is very difficult to decompose naturally. In addition, the increasingly uncontrolled use of plastic worsens the situation. In addition, the nature of plastic which is made of polymer and is not porous causes an increase in air temperature over time. Currently, most products are still produced without considering without considering their impact after use. One environmentally friendly solution to evercome plastic waste is with ecobricks, which is managing plastic waste into useful objects such as chairs, tables, and so on. The making of ecobricks is not yet widely known or applied by the community. The majority of people still consider used plastic as ordinary household waste, which is then disposed of carelessly, polluting the environment and disrupting daily life without any awareness of its impact.

Analisis kinerja ruang dan estetika gedung teknik 2 kampus iii uin malang dalam konteks arsitektur pendidikan

2025-11-26T03:05:36+00:00

This analysis examines the spatial performance and aesthetic appeal of the facade of Building 2, Campus III, UIN Maulana Malik Ibrahim Malang, in the context of educational architecture. Using a descriptive mixed-method approach, data was collected through periodic observations (21–30 April 2025), purposive interviews with project stakeholders, and analysis of shop drawings. The results show that the spatial organisation and zoning on floors 1–2 already support teaching functions, with structured circulation and openings that meet lighting standards (20–29%) and natural ventilation (10–13%). The façade is designed to reduce OTTV with west-east orientation, self-shading, and a combination of ASP, ACP, exposed concrete, and GRC materials. However, implementation in the field shows several deviations related to the quality of physical work: imprecise panel joints, numerous hairline cracks in ceramic and plaster finishes, and uneven façade sealant. Recommendations include strengthening facade installation quality control, improving interior finishing details, and optimising cross ventilation to enhance thermal and acoustic comfort.

Analisis relasi dan fungsi: perspektif matematika diskrit dalam hubungan sosial

2025-11-26T02:42:13+00:00

Discrete mathematics is a branch of mathematics that focuses on distinct objects, one of which is the concept of relations and functions. A relation is used to describe connections between individuals or groups, while a function is a special type of relation that maps each element of the domain to exactly one element of the codomain. This study aims to explain the relevance of relations and functions to social life phenomena, thus providing a more concrete and applicable understanding. The method used is literature review and descriptive analysis by examining social examples such as family relations, friendships, education systems, organizations, economics, and social media. The results show that relations play a role in modeling general patterns of social interaction, whereas functions represent the mapping of identities or social roles in a unique and structured way. Therefore, it can be concluded that relations and functions are not only theoretical concepts in discrete mathematics but also have practical contributions in understanding and organizing modern social life.

Aktivitas antihelmintik areca catechu sebagai kandidat obat tradisional: literature review

2025-11-26T02:31:32+00:00

oncern in Indonesia, and resistance to synthetic drugs such as albendazole and levamisole highlights the need for natural alternatives. Areca catechu L. (betel nut) has long been used in traditional medicine to treat helminthiasis. This article presents a literature review of 10 journals published between 2015 and 2025, retrieved from Google Scholar using the keywords “Areca catechu”, “betel nut”, “anthelmintic”, and “traditional medicine”. A qualitative analysis was performed covering extract type, dosage, research methods, parameters, and outcomes. The review found that A. catechu extracts, including aqueous infusions, ethanol extracts, and organic fractions, exhibit ovicidal, larvicidal, and vermicidal activity against Ascaridia galli, Haemonchus contortus, and Fasciola spp., with moderate to high concentrations often showing effectiveness comparable to synthetic drugs. A consistent dose-response pattern was observed, although data on toxicity and standardized dosing remain limited. Therefore, A. catechu holds strong potential as a traditional anthelmintic candidate, yet further research is required to ensure its safety and clinical applicability.

Dampak geopolitik pada aliran investasi di pasar modal pada 2022 sampai dengan 2024

2025-11-26T02:16:35+00:00

Geopolitics has a significant impact on the flow of investment in global markets, especially between 2022 and 2025. The uncertainties arising from conflicts between countries, economic sanctions, protectionist policies, and changes in global alliances greatly influence how investors choose where to invest their money. The aim of this research is to examine how geopolitical dynamics affect investment movements in the market during this period, as well as to identify the sectors that are impacted and the strategies used to address these issues. The method applied in this study is a literature review with a descriptive-qualitative approach, which observes academic literature and policy reports related to geopolitics, economics, and investment. The results of the analysis indicate that the increasing geopolitical tensions around the world are causing the markets to become more unstable and triggering a shift in investment towards safer assets such as gold and bonds. Conversely, the renewable energy sector and technology are receiving more investment in reaction to the changes occurring globally. Heading into 2025, the implementation of portfolio diversification strategies and adjustments in local policies demonstrate greater resilience in the capital markets, although there are still risks from global uncertainties that need to be watched.

Optimalisasi media teknologi dalam pembelajaran ips untuk meningkatkan keaktifan belajar siswa di mts bahrul ulum tambakberas jombang

2025-11-26T02:10:00+00:00

This study aims to explore the utilization of technological media in Social Studies (IPS) learning at MTs Bahrul Ulum Tambakberas Jombang and its impact on students’ learning engagement. The background of this research is the limited use of available technological facilities such as computer laboratories and auditoriums. A qualitative approach with a case study design was employed. Data were collected through observation, interviews, and documentation, then analyzed using the interactive model of Miles and Huberman, which includes data reduction, data display, and conclusion drawing. The findings reveal that the use of technological media in teaching is still suboptimal, as teachers mainly rely on lectures and student worksheets. However, when interactive media such as educational videos and digital simulations are used, a significant increase in student engagement is observed. This study is limited to a single madrasah and focuses only on Social Studies subjects; therefore, the findings cannot be generalized to all schools or madrasahs. Nevertheless, this research provides valuable insights into the challenges and potential of integrating technology in contextual learning at pesantren based madrasah.

Etika dagang islam: perspektif kejujuran dalam al-qur’an dan hadis

2025-11-25T07:42:13+00:00

Successful trading is not only a matter of getting a lot of profit, but also blessings and prosperity for the surroundings. The religion of Islam teaches every trader to be honest and fair in trading. Through the study of the verses of the Quran, such as QS Al-Mutaffifin and QS Al-An'am, as well as the hadiths of the prophet, it is explained that a Muslim is required to have honest and fair principles in trading, not to commit fraud in it. In this article, the author uses the study of literature to examine various religious literature to describe how the Qur'an and hadith can provide guidance in implementing the principles of honesty and fairness in buying and selling activities. The results of the discussion refer to the importance of being honest in trading, criticism for traders who cheat in weighing and scaling. With a complete understanding of honesty in trading, it is hoped that Muslims can apply the principles of honesty and fairness in trading and stay away from fraudulent attitudes in trading in order to trade to get blessings and prosperity from Allah.

Keanekaragaman diatom epilitik sebagai bioindikator kualitas air sungai: studi kasus di coban tarzan, kabupaten malang

2025-11-25T07:19:13+00:00

The diversity of epilithic diatoms serves as a significant biological indicator for assessing river water quality. This study aims to examine the diversity of epilithic diatoms and evaluate their potential as bioindicators of water quality in the Coban Tarzan stream, Malang Regency. Sampling was conducted using a purposive sampling method at three stations characterized by different anthropogenic activities: upstream waterfall area, agricultural zone, and tourist site. Diatoms were identified based on frustule morphology and analyzed using the Shannon-Wiener Diversity Index (H'), Simpson Dominance Index (C), and the Trophic Diatom Index (TDI). Results showed a total epilithic diatom density of 152,669 ind/cm² with eight genera identified, including Navicula, Gomphonema and Rhoicosphenia as dominant genera. The diversity index (H' = 1.52) indicated a moderate level of diversity, while the dominance index (C = 0.25) suggested no single species dominance. The TDI values ranged from 53.27 to 55.17, classifying the water quality as mesotrophic or moderately polluted. These findings confirm that epilithic diatom communities have strong potential as effective bioindicators for monitoring the impact of human activities on riverine water quality

Representasi psikologis terhadap kritik sosial dalam karikatur palestina dimedia sosial @osamahajjaj dengan pendekatan sigmund freud

2025-11-25T07:02:47+00:00

This study discusses the psychological representation of social criticism through caricatures of Palestine. Using a descriptive qualitative method and Sigmund Freud’s psychoanalytic approach, the research analyzes how visual elements in caricatures represent collective trauma and the lived experiences of the Palestinian people. Caricatures function as a medium to depict the conditions, emotions, and social messages in Palestine, particularly within the context of prolonged conflict. As a tool of social criticism, caricatures reflect public emotions such as fear, suffering, and hope. The methods used include literature review and content analysis of caricatures published on the social media account @osamahajjaj. The findings show that caricatures not only convey social criticism in an easily understandable way but also create space for urgent dialogue. This study emphasizes the importance of understanding the cultural and social context in works of art, as well as how caricatures can serve as reflections of social conditions and as a means of responding to traumatic experiences. These findings are expected to provide new insights for academics, policymakers, and activists in understanding the complex issues in Palestine.

Perjalanan panjang pendidikan luar sekolah di indonesia: analisis sejarah dan relevansinya masa kini

2025-11-25T06:52:01+00:00

Non-formal education in Indonesia has undergone a long historical journey, shaped by the nation’s social, political, and cultural dynamics. Since the colonial era, non-formal education has served as an alternative learning pathway outside the formal system, contributing to community empowerment. Its development has experienced significant transformations during the independence period, the New Order, and the Reform era, focusing on skills improvement, literacy, and character building. This study aims to analyze the historical development of non-formal education in Indonesia and examine its relevance in the present context. The findings indicate that non-formal education plays an essential role in supporting lifelong learning, eradicating illiteracy, and empowering communities. Its relevance remains significant in the modern era, particularly in addressing the challenges of globalization, technological advancement, and the demand for flexible learning opportunities.

pendidikan anak tentang aqidah mengenal allah swt

2025-11-25T06:42:10+00:00

Aqidah education is a fundamental cornerstone in shaping a child's character and spirituality from an early age, especially in introducing them to Allah SWT. This abstract discusses the importance of introducing the concepts of Tawhid (Oneness of God) and the obligatory attributes of Allah SWT to children using engaging and easily understandable methods. The approaches used include stories, games, songs, and real-life examples from the universe to help children grasp the uniqueness, majesty, and love of Allah SWT. The primary goal of this education is to instill a sense of love, awe, and fear directed solely towards Allah SWT, and to build a strong conviction as a foundation for living life. Through this, it is hoped that children will grow into individuals with noble character, a solid Islamic identity, and a continuous feeling of closeness to the Creator.

Keberhasilan program dinas sosial kota malang dalam pemberdayaan tunawisma untuk mengurangi angka kemiskinan

2025-11-25T06:29:58+00:00

Poverty and homelessness are complex and interrelated social problems. Homeless people are often trapped in a cycle of poverty due to lack of access to education, employment, and shelter. Empowering homeless people is an important strategy in reducing poverty. One example of the implementation of homeless empowerment can be observed in the programs run by the Malang City Social Service which provides assistance and training to homeless people so that they can be economically and socially independent. The purpose of this research is to analyze and explore the success of the Malang City Social Service program in empowering homeless people in Kampung Topeng. The approach used in this research is qualitative with a case study method and data collection using observation and interview techniques. The result of this research is that the program provided by the Social Service of Malang City is still not successful in handling homeless empowerment in Kampung Topeng, this can be seen from the large number of residents who return to the streets to make a living.

Analisis ruang lingkup serta sumber hukum administrasi negara untuk memahami implementasi sanksi administrasi negara

2025-11-25T06:23:05+00:00

This study aims to discuss the scope and division of legal sources in order to understand the implementation of various state administrative sanctions. This study uses a qualitative approach to describe the scope and division of administrative legal sources with various implementations of each state administrative sanction. The data collection technique used in this study is library research, which involves collecting various literature and analyzing it using the Miles & Huberman technique. Administrative law itself means everything that regulates the various tools or equipment that run the government, as well as the relationship between the government and its citizens. In addition, HAN also has two sources or foundations, namely material legal sources and formal legal sources. There are four types of HAN sanctions that can be applied to reduce the number of cases of violations against state administration, namely: government coercion, revocation of favorable decisions, imposition of coercive fines, and imposition of administrative fines.

Memudarnya nilai-nilai gotong royong pada era globalisasi

2025-11-25T03:13:42+00:00

Mutual cooperation (gotong royong) is a social tradition that has been embedded in Indonesian culture since ancient times. This value is reflected in the nation's ideological foundation, Pancasila, particularly the third principle, which emphasizes Indonesian unity. The practice of mutual cooperation serves not only as a means to lighten workloads through togetherness, but also as an instrument for creating a harmonious and cooperative social climate in resolving shared problems. The spirit of mutual cooperation is a distinctive Indonesian identity that distinguishes it from other nations. However, the currents of globalization have had a significant impact on the continuity of this tradition. Modernization and the penetration of Western culture have caused a shift in values, resulting in a fading spirit of solidarity and community togetherness. This phenomenon underscores the challenge of preserving the nation's noble values amidst the dynamics of globalization.

Perkembangan sosial dan emosional pada anak usia dini

2025-11-25T03:02:58+00:00

The socio-emotional aspect plays a crucial role in early childhood development, as it helps children learn to manage emotions, build relationships, and develop empathy. However, in practice, many children still face difficulties in expressing feelings, collaborating with peers, and establishing positive social interactions. This article aims to describe creative learning strategies that can enhance the socio-emotional abilities of early childhood. The study employed a qualitative approach using library research by reviewing relevant literature. The findings reveal that creative strategies such as role play, singing, collaborative games, and Islamic storytelling effectively foster social skills, self-confidence, and empathy in children. In conclusion, the implementation of creative learning strategies is proven to be beneficial in early childhood education and can serve as an alternative approach for teachers and parents

Manajemen strategi pengembangan layanan digital pada bank syariah indonesia (bsi) dalam meningkatkan daya saing di era digital

2025-11-25T02:29:28+00:00

The advancement of digital technology has driven significant changes in the global banking industry, including the Islamic banking sector in Indonesia. Bank Syariah Indonesia (BSI), as the largest Islamic bank formed from the merger of three national Islamic banks, has become a pioneer in digital transformation to enhance competitiveness and service reach. This study aims to analyze BSI’s strategic management in developing digital services to remain competitive amid technological disruption. The research uses a descriptive qualitative approach based on secondary data from BSI’s annual reports, OJK publications, and recent academic journals. The findings indicate that BSI’s digital strategy focuses on three main aspects: innovation of digital platforms (BSI Mobile and BYOND), strengthening technological infrastructure, and integrating Sharia values into every innovation. This strategy not only improves efficiency and customer satisfaction but also reinforces BSI’s image as a modern Islamic bank that adapts to technological change.

Implementasi prinsip syariah dalam perbankan islam: tantangan dan peluang

2025-11-25T02:19:24+00:00

This study discusses the application of sharia principles in banking in Indonesia as well as the challenges and opportunities faced in its development. Sharia banking is a financial system based on Islamic principles, such as the prohibition of riba (interest), gharar (uncertainty), and maisir (gambling). As an alternative to the interest system used in conventional banking, Islamic banking adopts a contract and profit-sharing system through mechanisms such as mudharabah and musyarakah. This system emphasizes the principles of fairness, transparency, and partnership between banks and customers. However, the implementation of Islamic banking still faces a number of significant challenges. Among them are the limited number of human resources who understand Islamic economics, uneven infrastructure, and low public literacy regarding Islamic financial products. In addition, the public's perception of not fully understanding the differences between Islamic and conventional banks is also a separate obstacle.

Menafsirkan kalimat dari sebuah artikel “islam agama damai”

2025-11-25T02:10:18+00:00

This study analyzes the interpretation of meaning in the sentences of the article entitled "Islam: Religion of Peace". This article was analyzed using qualitative descriptive methods and semantic theory. This study provides a solution to the problem of how to interpret the meaning of the sentences in the article. This problem can be answered by using semantic theory or the theory of language meaning. Based on the results of the study, the interpretation of the meaning of the sentences found in the article "Islam: Religion of Peace" is that Islam is a teaching and religion that believes in God, the Prophet Muhammad, and the Qur'an as a holy book. Islam has an ideology of peace but there are deviations from the model (Islamic teachings). One must distinguish between the meaning of language from the speaker's and listener's perspectives. Intention or assumption is private, while interpretation of meaning is public and shared by both the speaker/writer and the listener/reader.

Analisis kualitatif penerapan metode muhadatsah untuk meningkatkan kemampuan berbicara bahasa arab di kelas x-f man kota pasuruan

2025-11-25T02:01:26+00:00

This research aims to describe the application of the muhadatsah method in Arabic language learning and its impact on improving the speaking skills (maharah kalam) of grade X-F students at MAN Kota Pasuruan. This study uses a qualitative descriptive approach with data collection techniques through observation, in-depth interviews, and documentation. The results indicate that the implementation of the muhadatsah method can create an active and communicative learning atmosphere, encouraging students to be more confident in speaking Arabic. Students showed improvement in aspects of pronunciation, vocabulary mastery, sentence structure formation, and speaking fluency. Although there were obstacles such as time limitations and variation in student abilities, these could be overcome through appropriate grouping and the use of engaging learning media. The muhadatsah method has proven to be an effective alternative strategy in enhancing Arabic speaking skills contextually and applicatively.

Tanggung jawab hukum driver shopee terhadap kerusakan dan kehilangan barang dalam pengiriman

2025-11-25T01:54:18+00:00

Freight transportation in Indonesia includes land, sea, and air routes. The need for freight transportation has resulted in the emergence of transportation service companies on all three routes. Shopee Express is a freight transportation service company that is legally authorized under the Commercial Postal Service, as stated in Article 18 Paragraph (1) of Law Number 38 of 2009 concerning Post. This study seeks to evaluate the effectiveness of product delivery on Shopee Express and the company's responsibility for damage and loss that occurs during delivery. This study uses a qualitative research method, using descriptive and inductive methodologies. Qualitative research is used to examine the attributes of natural events, with researchers as the main instrument. The results of the study indicate that Shopee Express has full responsibility for delays, damage, and loss of products during delivery, which requires an apology for the delay and compensation for the monetary value of the goods if damage or loss occurs.

Pembelajaran nahwu melalui tugas kelompok berbasis video: menelisik pandangan mahasiswa kelas icp pba 2023

2025-11-25T01:45:40+00:00

This study aims to explore the views of International Class Program (ICP) of 2023 in the Arabic Language Education Study Program on learning nahwu through video-based group assignments. This study was motivated by students' difficulties in understanding abstract nahwu material and monotonous learning methods. With a descriptive qualitative approach and case study design, researchers collected data through open questionnaires and in-depth interviews with 24 students. The results showed that the learning strategy with video-based group assignments was able to increase students' active participation, strengthen their understanding of nahwu concepts, and develop skills in digital media production. Students felt more motivated because they were directly involved as learning subjects, both in understanding and explaining the material. However, several challenges also emerged, such as limited devices, lack of technical experience, and low post-video interaction. Nevertheless, most students responded positively to this strategy and considered learning to be more interesting and meaningful. These findings indicate that video-based group assignments are a potential approach to be applied in nahwu learning in the digital era, and contribute to the development of more participatory, creative, and effective Arabic language teaching methods.

Efektivitas pendekatan kontemporer dan teknologi edukasi dalam meningkatkan imunitas iman generasi z

2025-11-24T08:43:13+00:00

Contemporary approaches and educational technology have become increasingly important in the context of the technological advancements of our time. Through contemporary approaches that adapt to the needs of the time and the use of educational technology, this aims to explore how Generation Z can gain a deeper understanding of Islamic faith concepts, thereby enhancing the spiritual resilience of Generation Z itself. This research method involves literature analysis and case studies to identify the benefits and challenges of implementing this approach. The findings of the research indicate that contemporary approaches and educational technology have great potential in strengthening the spiritual resilience of Generation Z by facilitating deeper understanding, wider access to information sources, and relevant digital skills development. However, challenges such as the development of appropriate materials, technology skills, and content control remain crucial in the effective implementation of this approach. The practical implications of this research are the importance of developing comprehensive and integrated strategies to integrate contemporary approaches and educational technology into the context of teaching Islamic faith to Generation Z in order to strengthen their spiritual resilience in facing the challenges of modern times.

Peran Apoteker dalam Meningkatkan Penggunaan Obat Rasional di Indonesia

2025-11-24T08:23:15+00:00

Rational drug use is an essential component of healthcare systems to ensure therapeutic effectiveness, patient safety, and cost efficiency. However, irrational drug use remains a significant issue in Indonesia, as evidenced by excessive antibiotic prescribing, low patient adherence, and the prevalence of self-medication without professional supervision. Pharmacists, as healthcare professionals with expertise in medicines, play a strategic role in promoting rational drug use. This article discusses the roles of pharmacists across various healthcare settings, including hospitals, primary healthcare centers, and community pharmacies, as well as the challenges encountered in implementation. Strategies to improve rational drug use include increasing the number and distribution of pharmacists, enhancing public education, utilizing digital health technologies, and strengthening interprofessional collaboration. By optimizing the pharmacist’s role, rational drug use can be better achieved, thereby improving the overall quality of healthcare services in Indonesia.

Internal conflict of the mian character in the canterviller ghost movie

2025-11-24T07:29:46+00:00

This study aims to analyze the internal conflict of the main character in The Canterviller Ghost Movie. The main character experiences character development with internal conflict. The approach used is descriptive qualitative with analysis of every utterance and dialogue made by Virginia, as the main character. The theory used is Lewin (1935) who analyzes internal conflict with three types, namely Avoidance-avoidance, approach-approach, and Approach-avoidance. As well as the theory of Festinger (2019) who examines the causes of internal conflict starting from Post-Decision Dissonance and Forced Compliance Dissonance. The results of the analysis show that Virginia experiences a dominant internal conflict in Approach-Avoidance because of the many decisions that are not in line with Virginia's future. So she does something to change it. It can be seen that Virginia has a submissive nature that follows all other people's decisions so that she also regrets it. The most dominant cause of internal conflict is also Post-Decision Dissonance which also includes regret for previous decisions.

Peradilan Agama sebelum Masuknya Islam di Indonesia

2025-11-24T07:01:01+00:00

The history of Religious Courts in Indonesia before the arrival of Islam, during the sultanate, and during the Dutch colonial period. Before the arrival of Islam, the Indonesian judicial system already had two types: Civil Courts and Co-Courts. Civil Courts dealt with royal matters and were derived from Hindu law, while Co-Courts dealt with matters outside the royal sphere and were guided by indigenous Indonesian law. When Islam arrived in Indonesia around the 7th century AD, Islamic law began to develop and coexist with customary law. In the early period, dispute resolution was carried out through tahkim, where disputing parties submitted their case to a religious expert and agreed to abide by his decision. With the formation of Islamic kingdoms, judges were appointed by the sultan or imam, marking the period of tauliyah (leadership) of the imam. This section also describes the development of Religious Courts in various regions, both in Java (Cirebon, Banten, Surakarta, and Yogyakarta) and outside Java. In Banten, the judiciary was based on Islamic law, while in Cirebon, Old Javanese law was used. The authority of the Religious Courts in Surakarta and Yogyakarta became limited after various regulations by the Dutch East Indies government, such as Staatsblad No. 30 of 1847. Developments outside Java also varied, influenced by different colonial policies in each region, such as in Palembang, Jambi, and Bengkulu, where Religious Courts still have a role even though they are not always officially recognized in all places. This paper emphasizes that the judicial system in Indonesia continues to develop and has a complex and long history, especially since the sultanate era.

Landasan politik dan hukum dalam pendidikan islam

2025-11-24T06:48:07+00:00

Education is a fundamental aspect of national development, particularly in Indonesia with its cultural and religious diversity. This article aims to analyze the concept of Islamic education and its relevance to the national education system. Islamic education is understood as a holistic process of human development derived from the Qur’an and Hadith, oriented toward shaping an ideal person (insan kamil) who is faithful, knowledgeable, and virtuous. The method employed is a literature review by examining normative foundations, historical developments, and educational policies in Indonesia. The findings reveal that Islamic education, from the pre-independence era to the reform period, has played a significant role in integrating pesantren, madrasah, and public schools into the national education framework. Moreover, Islamic education contributes substantially to nation-building through the internalization of spiritual, moral, and social values. The discourse on religious moderation emerges as a crucial strategy to address the challenges of globalization and modernization that influence the direction of education. In conclusion, Islamic education is not merely a complementary element within the national education system but serves as a vital foundation for shaping a generation that is excellent, moderate, and globally competitive.

Implementasi media pembelajaran factomat pada materi persamaan kuadrat untuk mendukung pemahaman konsep siswa kelas x man kota mojokerto

2025-11-24T06:35:34+00:00

Understanding mathematical concepts, particularly quadratic equations, remains a challenge for many students. This study aims to determine the effectiveness of Factomat learning media in improving conceptual understanding for tenth-grade students. Factomat media is an interactive visual sheet that guides students in understanding the factorization of quadratic equations until they find their roots. The main instrument is a descriptive test given after the learning process. The results show an increase in average scores, with the majority of students achieving the minimum completion criteria and being in the good to very good understanding category. These findings indicate that Factomat media is effective in improving understanding of mathematical concepts and providing a fun and structured learning experience. This media has the potential to be an effective alternative in supporting mathematics learning in secondary schools.

Makna idiomatis arab-indonesia pada konten youtube mrbeast: 1000 orang buta melihat untuk pertama kali

2025-11-24T03:31:43+00:00

This article contains problems with words containing idiomatic meanings in MrBeast's YouTube content. Many YouTube users have watched this content, around 181 million viewers. The author finally made MrBeast content the object of research using qualitative descriptive methods. This research aims to reveal the idiomatic meaning contained in the video content produced by Mr. Beast, a famous YouTuber. Qualitative descriptive methods are used to describe various idioms and expressions used in Mr. Beasts. Data was collected from his videos entitled '1000 People Watching for the First Time'. The results of the analysis show that speakers in this content use idioms and expressions that not only have literal meanings, but also contain distinctive figurative or idiomatic meanings. This idiomatic use can influence how viewers understand and interpret the video content. This study provides a deeper understanding of how content uses language to effectively communicate complex messages to its audience via digital platforms.

Analisis risiko pembiayaan murabahah dalam sistem perbankan syariah : studi literatur

2025-11-24T03:04:40+00:00

Murabahah-based financing is one of the main services in the Islamic banking industry. This transaction is carried out through a buying and selling mechanism in which the price includes a profit margin agreed upon by both parties. Although it does not involve interest elements, Murabahah still carries significant risks—financial, operational, and compliance-related with Sharia principles. This article aims to identify the various types of risks associated with Murabahah financing and propose appropriate mitigation strategies to ensure the sustainability of the Islamic financial system. Islamic banks must strengthen their customer selection process with a 5C analysis, conduct regular monitoring and evaluation of disbursed financing, and utilize collateral and Islamic insurance as additional protection. Internal oversight, regular audits, and customer education are also crucial to ensure compliance with Islamic principles and minimize the potential for non-performing loans.

Faktor pendukung dan penghambat dalam membaca kitab kuning bagi mahasiswa pendidikan bahasa arab

2025-11-24T02:54:46+00:00

This study aims to examine the supporting and inhibiting factors faced by students of the Arabic Language Education Department in reading kitab kuning (classical Islamic texts). The importance of this research lies in the fact that the ability to read kitab kuning is one of the fundamental aspects of advanced Arabic learning as well as deepening the understanding of Islam. However, many students still face difficulties in this regard. This study employed a descriptive qualitative method, with data collected through interviews and direct observations related to the learning process and students’ experiences in the classroom. The results of the study indicate that the ability to read kitab kuning is greatly influenced by mastery of nahwu and sharaf (Arabic grammar and morphology), prior reading experience, environmental factors such as study groups, and the use of technology. The obstacles identified include weak linguistic foundations, limited vocabulary, low motivation, as well as limited learning resources and an unsuitable learning environment. This study recommends the application of more interactive learning strategies and the provision of supportive learning facilities to improve the skill of reading unvoweled Arabic texts. It is hoped that this research will contribute to improving the quality of Arabic language learning and inspire further, more in-depth and comprehensive studies.

Peningkatan hasil belajar dan keaktifan siswa melalui media poster pada materi permasalahan lingkungan sekitar di kelas iv min 3 malang

2025-11-24T02:41:28+00:00

This study aims to improve learning outcomes and student engagement of 4th-grade students at MIN 3 Malang through the use of poster media on the topic of "Environmental Issues in the Surroundings." The research method applied was Classroom Action Research (CAR), conducted in two cycles, including planning, action, observation, and reflection stages. The results showed that poster media effectively increased student participation in discussions, learning interest, and understanding of the material. The average student score rose from 60 (pre-action) to 75.6 in the first cycle and 82.3 in the second cycle. Learning mastery improved from 29.4% to 88.2%. Thus, the use of poster media proved to be effective in enhancing the quality of science-social learning and is highly recommended for use in contextual learning at the elementary level.

Mengembangkan Bakat Ekonomi:Investasi dalam Sumber Daya Manusia untuk Pertumbuhan Bisnis

2025-11-24T02:25:35+00:00

Investment in human resources (HR) is a crucial foundation for driving sustainable business growth in the digital economy era. Enhancing economic talent—particularly in terms of skills, education, and productivity—is key to creating competitive advantages for companies. This article aims to analyze the role of HR investment in economic talent development and its impact on business growth. The method used is a literature review from various scientific journals published in the last 10 years. The analysis reveals that companies investing in training, competency development, and talent management tend to have higher productivity, improved employee loyalty, and stronger competitiveness in the global market. Therefore, economic talent development strategies should be prioritized in long-term business planning.

Kebudayaan tradisional: eksistensi batik dalam era digital

2025-11-24T02:10:06+00:00

Batik is a traditional culture form from Indonesia that uses certain techniques to decorate fabrics with patterns or motifs made using wax and dyes. This culture has been recognized by Unesco as a world cultural heritage since 2009. In the digital era, the development of batik has undergone a transformation in traditional industries that have begun to utilize technology to strengthen competitiveness and sustainability. As one of Indonesia's cultural riches, batik can now be reached by the global market through various digital platforms such as e-commerce, social media, and digital design software. This technological innovation creates opportunities for batik artisans to market their work to buyers around the world at more competitive prices and wider reach. In addition, digital progress has also had an impact on the way batik is produced. This article aims to discuss the impact of digitalization on the batik industry, especially in terms of product improvement innovation, and changes in consumer behavior. Developments in the digital batik era have changed the way people consume the internet world, making it easier for them to find and buy batik. Manual coloring and design techniques can now be simplified by graphic design applications, digital printing techniques that increase manufacturing efficiency. By implementing technology, the batik industry not only maintains the authenticity of cultural heritage, but also adapts to the development of ever-changing market trends.

Analisis surah al-hujurat ayat 11 terhadap penamaan produk halal yang menyerupai minuman beralkohol dalam proses sertifikasi halal di indonesia: studi tafsir maqashidi abdul mustaqim

2025-11-24T02:03:37+00:00

The phenomenon of halal product naming in Indonesia that resembles alcoholic beverages, such as "halal beer" or "halal wine," which has sparked controversy among Muslim communities. The analysis applies a maqāṣidī exegesis approach to Surah al-Ḥujurāt verse 11 from the perspective of Abdul Mustaqim. This verse prohibits mockery, insult, and derogatory labeling that undermines human dignity. Using the maqāṣidī method, the prohibition is extended to the practice of labeling halal products with names resembling prohibited alcoholic symbols. The findings reveal that such naming practices obscure halal identity, create ambiguity (syubhat), and contradict the higher objectives of Islamic law (maqasid al-shari‘ah), particularly in preserving religion (hifz al-din), intellect (hifz al-‘aql), and honor (hifz al-‘ird). This study concludes that halal certification should not only assess ingredients and production processes but must also consider product naming as an ethical, social, and spiritual dimension.

Review jurnal: konsep teritorial arsitektur perilaku pada desain rest area

2025-11-24T01:53:28+00:00

This journal, entitled “The Concept of Territorial Behavior Architecture in Rest Area Design,” discusses the application of the territorial concept in the design of a rest area located in Bojo, Mallusetasi District, Barru Regency. The purpose of the design is to provide comfort for drivers. This research was conducted to understand how behavioral architecture elements can be used effectively in rest area design, especially in the context of space division based on visitor characteristics. This is in accordance with the mandate of Law Number 22 of 2009. The research methods used by the author include data collection through field surveys and literature studies to understand the physical characteristics of the location and design requirements. The analysis was conducted using descriptive, synthetic, and exploratory methods. The results of the study show that the application of the territorial concept in rest and dining areas can increase visitor comfort by creating spatial boundaries that are in accordance with the characteristics and needs of users. This territorial concept consists of fixed, semi-fixed, and non-fixed elements, which function as regulators of space division based on user flexibility and interaction. Thus, this approach provides a design solution that is adaptive and responsive to user behavior in rest areas.

Student perception of gamekit in game-based learning: impacts on engagement and motivation in english learning

2025-11-24T01:39:47+00:00

Game-based learning through Gamekit has emerged as a significant innovation in English language education. This article explores student perceptions of Gamekit implementation and its impacts on engagement and motivation in English learning at MAN Kota Pasuruan. The investigation reveals how digital game-based learning tools influence student participation, interest, and academic performance. Through comprehensive analysis of student experiences, this study demonstrates that Gamekit implementation provides positive effects on student engagement and motivation in English language learning. The findings contribute to understanding the role of educational technology in enhancing language acquisition processes and student-centered learning approaches. This research offers valuable insights for educators and policymakers considering the integration of game-based learning tools in Islamic educational institutions. Future implementations should consider comprehensive teacher training programs, adequate technical infrastructure development, and ongoing evaluation mechanisms to ensure sustained success. The successful integration of educational technology within Islamic educational contexts provides valuable insights for similar institutional settings.The findings suggest that game-based learning tools like Gamekit can effectively complement traditional educational approaches while respecting cultural and religious values. The positive student responses indicate that technological innovation can enhance educational quality without compromising institutional identity or educational principles

Kemajuan dan aplikasi superkonduktor modern berbasis silicon, germanium, karbon, dan 〖MgB〗_(2 ): tinjauan literatur terbaru

2025-11-20T07:59:12+00:00

Superconductors are materials that exhibit zero electrical resistance and magnetic field expulsion (Meissner effect) below a critical temperature. These properties make them highly promising for future technologies, including lossless power transmission, energy-efficient electronics, and medical applications. This review focuses on four non-conventional superconductors: silicon, germanium, carbon, and magnesium diboride (MgB₂). The discussion highlights their physical properties, synthesis methods, and potential applications based on recent literature. References were collected from international databases using the keywords “superconductor,” “silicon,” “germanium,” “carbon-based superconductors,” and “MgB₂.” The findings show that MgB₂ exhibits the most stable performance with a transition temperature of about 39 K, while silicon and germanium require heavy doping or high pressure to display superconductivity. Carbon in the form of nanotubes and fullerenes demonstrates strong potential at the nanoscale. Despite challenges related to low transition temperatures and complex synthesis methods, all four materials show significant prospects for advancing superconducting applications in energy, electronics, and medicine

Tahapan perkembangan iman: perspektif james w. Fowler

2025-11-20T07:33:03+00:00

Faith development is a fundamental aspect of human life, which is influenced by cognitive, emotional, social and cultural factors. This article discusses James W. Fowler's theory of faith development and explores its application in the context of modern life. The theory divides faith development into seven stages that reflect changes in the way individuals understand and live out their spiritual beliefs. The results show that Fowler's theory provides a deep understanding of how faith develops as individuals grow, although it is still limited in its applicability outside the context of Christianity. In addition, external factors such as social media, technology and social dynamics also influence faith development. Therefore, further research is needed to expand the scope of this theory to make it more relevant to different religious and cultural backgrounds and spiritual challenges in the modern era.

Analisis semiotika ferdinand de saussure terhadap penggambaran benjamin netanyahu dalam karikatur hajjaj_cartoons

2025-11-20T07:27:22+00:00

This study aims to analyse the portrayal of Benjamin Netanyahu in cartoons by Hajjaj_Cartoons using Ferdinand de Saussure's semiotic approach. Cartoons, as a form of visual art, play an important role in conveying social and political criticism, especially in the context of controversies involving public figures such as Netanyahu. Through semiotic analysis, this study identifies the visual signs used in the cartoons and relates them to the meanings they produce. The results of the analysis show that these caricatures not only serve as entertainment, but also as a medium for creating social and political awareness, as well as expressing criticism of policies that are considered unfair. Thus, this study contributes to the understanding of how caricature art can be used to highlight global issues and depict complex social realities.

Penerapan konsep eco home pada ruang terbuka hijau: studi kasus taman UIN Malang

2025-11-20T07:15:31+00:00

Eco Home is one of the sustainable architectural design approaches with minimal ecological footprint but great impact on the environment and people. This case study in UIN Malang Campus integrates responsive architecture, architectural syntax, architecture discipline(as a type), pattern-force-concept based, domain to domain, and divergent-convergent methods. The design results respond to climate, support social interaction, utilize local materials, and create functional and aesthetic green spaces. This approach proves to be effective in creating ecological spaces, efficient, and adaptive to today's needs. This design not only addresses ecological challenges such as flooding, erosion, and pollution, but also contributes to improving the quality of life by creating comfortable, aesthetically pleasing spaces that support social interaction. Overall, this approach demonstrates that the integration of desirable principles can have a significant positive impact on modern architectural design practice.

Strategi peningkatan kepatuhan wajib pajak melalui inovasi pelayanan pbb keliling dan program pemberian souvenir oleh badan pendapatan daerah kota batu

2025-11-20T06:58:34+00:00

This study discusses strategies to improve taxpayer compliance with Rural and Urban Land and Building Tax (PBB-P2) through innovations in mobile PBB services and souvenir distribution programmes by the Regional Revenue Agency (Bapenda) of Batu City. The Mobile PBB Service is designed to bring tax services closer to the community through a ‘pick-up’ system, thereby reducing barriers of distance, time, and transportation costs. Meanwhile, the souvenir giveaway programme serves as a positive incentive that provides appreciation and motivation to taxpayers to pay their obligations on time. The results of the study show that the integration of these two strategies, which were implemented in collaboration with Bank Jatim and supported by the ‘Tax Penalty-Free Month’ programme, succeeded in reducing arrears by up to IDR 4.4 billion in 2025. In addition to increasing regional revenue, this strategy also strengthened public trust in the local government by creating a tax service experience that was easier, more transparent, and more appreciative. This research emphasises the importance of accessibility-based public service innovation and incentives in promoting tax compliance and sustainable regional development.

Peran dan kontribusi ibn malik dalam pengembangan tata bahasa arab klasik

2025-11-20T06:47:56+00:00

This study explores the role and contribution of Imam Ibn Malik in the development of classical Arabic grammar, particularly through his monumental work, Alfiyyah Ibn Malik. As the language of the Qur’an, Arabic possesses a highly complex grammatical system, making the mastery of nahwu (syntax) and sharaf (morphology) essential in Islamic education. Ibn Malik, a prominent scholar from Andalusia who later settled in Damascus, composed the Alfiyyah, a thousand-verse didactic poem summarizing Arabic grammar rules in a concise, systematic, and memorizable form. Its poetic structure facilitated teaching and reinforced the memorization tradition in Islamic institutions and pesantren. This research employs a qualitative, biographical approach to analyze Ibn Malik’s life, works, and influence on the evolution of Arabic grammar. The findings reveal that Ibn Malik played a pivotal role not only as a compiler of rules but also as an innovative pedagogue. His contributions include synthesizing different grammatical schools (Basra, Kufa, and Baghdad) and incorporating Prophetic traditions (hadith) as linguistic evidence, a rare practice in earlier scholarship. To this day, the Alfiyyah remains central in Islamic boarding schools in Indonesia and across the Muslim world, while also being relevant to modern linguistic studies. Thus, Ibn Malik deserves recognition as a key figure in Arabic linguistic history whose influence transcends generations.

Dinamika dan manfaat menghafal al-qur’an dalam kehidupan mahasiswa

2025-11-20T06:16:57+00:00

The phenomenon of university students who simultaneusly live as mahasantri presents a unique dynamic in both academic and spiritual life. One of the greatest challenges they must face is maintaining consistency in memorizing the Qur’an amid a demanding academic schedule. This article aims to describe the various challenges experienced by mahasantri who memorize the Qur’an while also highlighting the benefits and blessings gained throughout the process. The writing method employed is a literature review combined with reflections on the empirical experiences of mahasantri. The findings indicate that the main challenges lie in time management, academic workload, and social pressure. On the other hand, Qur’an memorization provides inner peace, discipline, and spiritual motivation that strengthens academic pursuits. With effective time management strategies, a supportive environment, and sincere intention, these challenges can be transformed into a means of personal growth. This article emphasizes that memorizing the Qur’an while pursuing higher education is not only possible but also adds significant value to the character formation of Muslim students.

Konsep sabar dalam al-qur’an serta relevansinya dengan psikologi positif

2025-11-20T03:37:44+00:00

The purpose of this study is to examine the concept of patience in the Qur'an through a thematic interpretation (maudhu'i) approach and to examine its relevance to positive psychology theory. Patience is one of the main moral and spiritual values in Islam that is closely related to individual psychological resilience. This study uses a qualitative library research method, with primary sources consisting of Qur'anic verses about patience, while secondary sources include interpretations, positive psychology literature, and literature supporting this research. The results of the study indicate that patience in the Qur'an does not only have a passive meaning in facing trials, but also includes an active dimension in the form of moral steadfastness, self-control, and optimism for goodness. The positive psychology perspective strengthens this understanding by positioning patience as an adaptive coping mechanism that can increase individual resilience and well-being. The integration of these two perspectives shows that the concept of patience can be a constructive foundation for Islamic ethics and psychology for the development of human character.

Perbandingan makhraj huruf jīm dan qāf dalam lagu ‘حبّه جنّة’: kajian fonetik dialek mesir

2025-11-20T03:22:49+00:00

This study analyzes the articulation differences between the phonemes Jīm and Qāf in the song “Hubbuh Jannah” by Sherine Abdel Wahab, as a phonetic representation of the Egyptian Arabic dialect. The background of this research lies in the phonological shift of these sounds, which deviate from standard Arabic norms, particularly in the context of popular music. This research employs a qualitative descriptive approach using articulatory phonetic analysis. The data consist of selected lyrics containing the target phonemes, analyzed using Praat software to identify their articulatory features and acoustic properties. The results indicate that Jīm is realized as an affricate sound [ʒ] or [dʒ], while Qāf shifts to a glottal stop [ʔ] or is even omitted in certain contexts. These shifts reflect a distinctive phonetic characteristic of the Egyptian dialect, which tends to simplify posterior articulation. This study highlights the importance of phonetic analysis in understanding pronunciation variation across Arabic dialects and the role of music as a medium for maintaining and spreading dialectal features.

Pembantaian dukun santet di Banyuwangi: kasus pelanggaran ham berat yang belum tuntas

2025-11-20T03:15:40+00:00

Human Rights (HAM) are natural rights that are inherent to every individual from birth, universal in nature, and cannot be revoked. One of the egregious human rights violations in Indonesia is the massacre of individuals accused of being witch doctors in Banyuwangi and its surrounding areas in 1998. This tragedy illustrates a pattern of organized violence fueled by societal beliefs in witchcraft, which were exploited by certain parties to carry out brutal actions. Thousands of individuals became victims without substantial evidence. In this context, the massacre fulfills the criteria for serious human rights violations according to Law Number 26 of 2000 regarding Human Rights Courts. This article underscores the significance of law enforcement, truth disclosure, and victim rehabilitation to ensure that similar tragedies do not recur in the future

Optimalisasi manajemen risiko melalui pendekatan maqasid syariah pada bank syariah di indonesia : tinjauan literatur

2025-11-20T03:02:44+00:00

This study aims to analyze how the principles of maqasid shariah can be integrated into the risk management system of Islamic banking in Indonesia. Employing a literature review approach, the research evaluates existing literature and risk management practices, while exploring the potential contribution of maqasid shariah in shaping a more just, ethical, and holistic risk mitigation system. The findings indicate that most Islamic banks still adopt conventional risk management frameworks, thereby failing to fully reflect Islamic values. Maqasid shariah, which includes the protection of religion, life, intellect, lineage, and wealth, is considered capable of expanding the scope of risk management beyond financial aspects to include moral and spiritual dimensions. Therefore, it is necessary to design an implementable risk policy framework based on maqasid so that Islamic principles serve not only a symbolic function but also a strategic one.

Manajemen risiko bank syariah di era digital: strategi, inovasi, dan tantangannya

2025-11-20T02:51:52+00:00

This study aims to examine the strategies, innovations, and challenges faced by Islamic banks in implementing risk management in the digital era. The method used is a literature study, by collecting secondary data from various scientific sources related to Islamic banking, risk management, and the development of financial technology. The results of the study indicate that digitalization has a significant impact on the complexity of risks faced by Islamic banks, such as cyber risk, data leakage, and compliance with Islamic principles in digital systems. Therefore, an adaptive risk management strategy is needed, such as improving technological infrastructure, strengthening information security systems, HR training, and cooperation with external institutions. This study provides an important contribution in formulating effective steps to maintain the stability and competitiveness of Islamic banks in facing the dynamics of the digital era.

Manajemen risiko likuiditas sebagai kunci stabilitas bank syariah

2025-11-20T02:16:07+00:00

Sharia banks operate based on sharia principles that avoid usury and activities that are not in accordance
with sharia. One of the main factors in maintaining the stability of sharia banks is liquidity risk
management, which is the ability of banks to meet their short-term obligations on time without causing
significant losses. This study uses a literature review method with a systematic approach to examine
various studies related to liquidity risk management in sharia banks. The review results indicate that
liquidity risk management is highly important and should be a strategic priority for Islamic banks while
adhering to Sharia principles. Effective liquidity risk management can enhance operational sustainability,
strengthen reputation, and maintain stability and customer trust amid market dynamics.

Analisis efektivitas pengendalian risiko operasional pada bank umum syariah di Indonesia

2025-11-20T02:08:03+00:00

This study aims to analyze the effectiveness of operational risk control in Islamic commercial banks in Indonesia, focusing on policy implementation, organizational structure, use of technology, and compliance with sharia principles. Operational risk is one of the main challenges in the banking industry, including in Islamic banks that must balance operational efficiency and Islamic values such as honesty, fairness, and trustworthiness. This study uses a qualitative approach by examining secondary data and literature studies related to risk control practices implemented at Bank Syariah Indonesia (BSI). The results of the study indicate that the effectiveness of risk control is reflected in the decrease in the BOPO ratio and the decrease in the number of risk events, as well as the successful implementation of risk management systems such as RCSA, KRI, and LED. In addition, the involvement of special units such as SOR, RBC, and DCOR as well as regulatory support from OJK strengthen the risk mitigation process. However, challenges such as low risk awareness and dependence on technology remain a major concern. Thus, increasing the effectiveness of operational risk control needs to be supported by strengthening a risk-aware culture, visionary leadership, and the use of modern technology that remains in line with sharia principles.

Analisis kinerja keuangan melalaui tingkat efesiensi dan profitabilitas : studi pada pt. Bank nasional indonesia (bni) periode 2019–2023

2025-11-20T02:02:17+00:00

Penelitian ini bertujuan untuk mengevaluasi kinerja keuangan PT Bank Nasional Indonesia (BNI) dalam mengelola sumber daya keuangan dan mencapai tujuan operasionalnya. Metode yang digunakan adalah pendekatan statistik deskriptif dengan analisis rasio keuangan, termasuk rasio efisiensi dan profitabilitas, untuk memberikan gambaran kinerja keuangan bank selama lima tahun terakhir. Hasil penelitian menunjukkan bahwa BNI telah berhasil mempertahankan rasio BOPO yang konsisten di bawah standar OJK (85%) sejak tahun 2021, mencerminkan efisiensi operasional yang baik. Selain itu, rasio Return on Assets (ROA) mencapai 2,6% dan Return on Equity (ROE) 15,2% pada tahun 2023, menunjukkan keberhasilan bank dalam memanfaatkan aset dan ekuitas untuk menghasilkan keuntungan secara efisien. Strategi digitalisasi, pengendalian biaya, dan manajemen risiko menjadi faktor utama dalam meningkatkan kinerja BNI, yang semakin memperkuat posisinya di industri perbankan Indonesia. Berdasarkan temuan tersebut, penelitian ini tidak hanya memberikan wawasan bagi lembaga perbankan lain untuk meningkatkan pengelolaan keuangan, tetapi juga dapat menjadi acuan bagi masyarakat dan investor dalam memilih bank yang sehat dan kompetitif untuk kemitraan dan investasi.

Social stratification and educational mobility: kesenjangan akses pada pendidikan tinggi

2025-11-20T01:52:26+00:00

This article discusses social inequality in the form of inequality in access to higher education. Higher education has been considered a key mechanism for social mobility and the reduction of structural inequalities in society. However, empirical reality shows that access to higher education is still strongly influenced by the socioeconomic background of the family. This article aims to examine and analyze the dynamics of social class and its impact on access to higher education in Indonesia. The results of previous research show that there is a significant correlation between family socioeconomic capital and access to higher education. Students from families with high socioeconomic status are 3.7 times more likely to access higher education than those from low-income families. Research also shows that social class affects not only initial enrollment but also the quality and sustainability of higher education. Students from low socioeconomic backgrounds typically face complex academic and economic challenges that will impact their academic success. Given this gap in access to higher education, it is important to have comprehensive policy interventions to reduce this gap, including equity-based scholarship programs, fair quota systems, and inclusive education funding. This article contributes to a comprehensive understanding of the reproduction of structural inequalities in the Indonesian education system and provides strategic recommendations for more comprehensive education policy interventions

Impelementasi problem based learning dalam mata pelajaran al-qur’an hadis pada peserta didik kelas viii-i mtsn 1 kediri

2025-11-20T01:41:22+00:00

This article discusses the implementation of the Problem Based Learning (PBL) model in the subject of Al-Qur’an Hadith at MTsN 1 Kediri. PBL is a learning method that emphasizes problem-solving and skill development for students. The PBL learning model is described as a stategy to enchance students understanding, critical thingking skills, and problem-solving abilities. Problem based learning presents real-life situations that require student investigation to find solutions. The article also outlines the steps of implementing PBL at MTsN 1 Kediri, starting from teacher preparation to final evaluation. The research findings indicate that PBL is effective in increasing student engagement in learning. By implementing PBL, MTsN 1 Kediri aims to improve the quality of education by utilizing relevant technology and curriculum. This article provides a deep understanding of the implementation of PBL in the context of Islamic education in madrasahs.

Analisis rasio likuiditas dan profitabilitas kinerja keuangan (studi kasus pada pt sentra food indonesia, tbk) th 2019 - 2023

2025-11-20T01:30:01+00:00

The goal of this research is to analyze the likuiditas and profitability ratios in order to evaluate the financial performance of PT Sentra Food Indonesia, Tbk for the 2019-2023 period. The following ratios are used for analysis: current ratio, cash ratio, return on assets (ROA), and return on equity. The results show that there is a lack of consistency and profitability, which hinders a company's ability to meet the demand for jangka pendek while also producing laba from aset and ekuitas. The main cause of this failure is an increase in operational costs and a decrease in economic performance. This study recommends that businesses increase sales, reduce costs, and use innovative business strategies to improve financial stability and profitability. In terms of profitability, both ROA and ROE experienced a sharp decline, from 1.54% and 2.46% in 2019 to -39.90% and -95.12% in 2023, respectively, reflecting significant losses and low efficiency in utilizing assets and equity. The company needs to immediately optimize asset management, control operational costs, and increase cash reserves.

Studi kasus penanganan masalah perundungan (bullying) di sekolah x kota malang

2025-12-08T07:08:09+00:00

Bullying is a form of violence commonly found in educational settings and can have significant impacts on the psychological, social, and academic aspects of students, particularly during adolescence. This study aims to examine the strategies implemented by school counselors in addressing bullying at School X in Malang City. A qualitative case study approach was employed, using observation, in-depth interviews with the school counselor, and field documentation. The findings reveal that the most frequent type of bullying was verbal bullying, such as body shaming and derogatory remarks. The counselor adopted an educational and humanistic approach through the “Pengakuan Dosa” (Confession) program, which encouraged students to openly express their problems. This strategy reflects the principles of restorative justice and client-centered counseling, emphasizing empathy and the restoration of social relationships. Despite the school’s limited facilities, such as the absence of a permanent counseling room, interventions were carried out effectively through relational approaches and informal support systems. Bullying management proved effective when it involved collaboration among teachers, students, and parents, while also being adapted to the school’s social context. This study underscores the crucial role of school counselors as psychosocial facilitators in fostering a school climate that ensures emotional safety and is free from violence.

Analisis kritis hubungan quarter life crisis dan toxic relationship pada mahasiswa Jabodetabek di Malang

2025-11-19T08:16:26+00:00

This review article critically analyzes the relationship between Quarter-life crisis and toxic relationship s among university students, focusing on the study entitled “Quarter life crisis and toxic relationship on students: A case study of Jabodetabek Raya in Malang.” The analysis reveals that identity crises during emerging adulthood may undermine emotional stability and increase vulnerability to harmful interpersonal relationships. Gender dimension plays a crucial role, with female students being more prone to experiencing toxic relationship s. Furthermore, the local context of migrant students significantly affects this phenomenon, particularly in terms of social adaptation and emotional support needs. Methodologically, the qualitative case study design allows in-depth exploration but limits generalization. Therefore, future research should integrate quantitative approaches to strengthen empirical evidence and propose practical interventions in higher education settings.

Dinamika inflasi di indonesia terhadap daya beli masyarakat dalam perspektif ekonomi makro

2025-11-19T06:52:11+00:00

The economic prosperity of a country is greatly influenced by low and stable inflation rates, which reflect a healthy and stable economic condition. Price stability resulting from controlled inflation helps build confidence among both consumers and businesses. Conversely, when inflation rises sharply or becomes erratic and uncontrollable, it presents serious challenges. High inflation can trigger unpredictable price increases. Developing countries are generally more vulnerable to inflation. An inflation rate below 3% is still considered within a normal range for a country. However, if inflation rises significantly and becomes unstable, it indicates economic instability. This situation is marked by a general and continuous increase in the prices of goods and services, which can ultimately worsen poverty levels and increase unemployment rates. The aim of this study is to determine that one of the factors contributing to the decline in people’s purchasing power is inflation.

Konstruksi makna dan kuasa dalam wacana liputan6 tentang vadel badjideh: perspektif analisis wacana kritis van dijk

2025-11-19T06:29:48+00:00

This article discusses how meaning and power are constructed in a news story reported by Liputan6 entitled “Vadel Badjideh Sentenced to 12 Years in Prison, Family Prays and Surrenders to God” using Teun A. van Dijk's critical discourse analysis theory. This study focuses on three main aspects, namely text structure, social cognition, and social context. The results of the study show that the news emphasizes the family's story and aspects related to religion rather than legal explanations and the victim's perspective. Liputan6 depicts Vadel's family as submissive, religious, and compassionate, while the voices of the prosecutor and victim are not very dominant. This shows that there is a way of delivering news that attracts public sympathy and builds trust in God, while shifting attention away from legal aspects that are actually important. This study concludes that the media not only reports facts, but also helps build power relations and ideology through its choice of words, storytelling, and representation of the parties involved.

Persilangan dan karakterisasi drosophila melanogaster strain normal dengan strain white

2025-11-19T03:32:27+00:00

Drosophila melanogaster, commonly known as the fruit fly, is a widely used model organism in genetic research due to its short life cycle, ease of maintenance, high fertility, small body size, and relatively simple genetic structure that is easy to observe. One of its main advantages is the presence of clear phenotypic variations, such as eye color, making it highly suitable for studying inheritance patterns based on Mendel’s laws. This study aimed to cross Drosophila melanogaster with normal red eyes and the white-eyed strain under Mendel’s First Law, in order to understand inheritance principles, detect mutations, and examine the genetic mechanisms regulating phenotypic expression. The experimental method involved crossing male and female flies of both strains, followed by rearing and observing the F1 and F2 offspring at the imago stage. Crosses produced F1 offspring with 100% red eyes (genotype Nn). In the F2 generation, the phenotypic ratio was 3 red-eyed to 1 white-eyed, with a genotypic ratio of 1 NN : 2 Nn : 1 nn. These results confirm Mendel’s law of segregation, showing that the red-eye allele is dominant over the white-eye allele.

Bongkar pasang kurikulum indonesia: dampak kebijakan pergantian kurikulum terhadap proses pembelajaran

2025-11-19T03:22:51+00:00

As time progressed, the curriculum in Indonesia underwent 12 changes. This article discusses the impact of the curriculum change policy in Indonesia on the learning process. This research was motivated by complaints felt by education stakeholders regarding curriculum changes. Using library methods to analyze the positive and negative impacts of curriculum changes. The results of the analysis show that changes can improve the quality of education and also complement the shortcomings of the previous curriculum. This article recommends the need for socialization regarding curriculum renewal, provision of adequate resources, and parental involvement in the educational process to support the achievement of new curriculum goals.

Polimer biodegradable: solusi ramah lingkungan untuk mengatasi pencemaran plastik laut

2025-11-19T03:14:34+00:00

Marine plastic pollution is one of the biggest environmental challenges of the 21st century, threatening marine ecosystems and human health. To address this issue, biodegradable polymers (BPs) are considered as potential alternatives that can replace conventional petroleum-based plastics. This review paper examines five recent international journals published between 2020 and 2025, as well as some additional references from relevant related scientific literature. The main focus of this review includes aspects of material design, innovative applications, natural and artificial degradation processes, and environmental impacts of using BPs. References were selectively chosen based on keywords such as “biodegradable polymer”, “marine pollution”, and “bioplastic”, which were taken from highly reputable and peer-reviewed journals. The main findings of this review include the degradation effectiveness of BPs in various environmental conditions (including marine, soil, and industrial compost), the utilization of BPs in the medical field, food packaging, and the ecological, technical, and regulatory challenges that still need to be addressed. The review concludes that while BPs have great potential as a sustainable solution, mass adoption at the global level still requires technology optimization, production cost reduction, and policy support from the government and industry sector.

Analisis prediksi mortalitas pada pasien gagal jantung menggunakan perbandingan algoritma support vector machine dan k-nearest neighbors

2025-11-19T02:42:20+00:00

Heart failure is one of the leading causes of mortality worldwide, requiring accurate prediction methods to support early detection and medical decision-making. This study compares the performance of Support Vector Machine (SVM) and K-Nearest Neighbors (KNN) algorithms in predicting mortality among heart failure patients. The dataset used is the Heart Failure Clinical Records Dataset, consisting of 299 patient records with 13 clinical features, including age, ejection fraction, creatinine level, hypertension, anemia, and smoking status. The research process involved data preprocessing, feature standardization, model training, and evaluation using accuracy, precision, recall, F1-score, and balanced accuracy. The results indicate that SVM achieved superior performance with 0.80 accuracy, 0.84 precision, 0.70 recall, and 0.72 F1-score, while KNN reached only 0.68 accuracy and 0.52 F1-score. These findings demonstrate that SVM is more reliable in detecting mortality risk in heart failure patients, especially under imbalanced data conditions. This research provides valuable insights for the development of machine learning-based medical decision support systems, enabling healthcare professionals to perform earlier and more targeted interventions.

Talak dalam hukum islam: analisis fiqh munakahat dan implikasi sosialnya

2025-11-19T02:30:58+00:00

Divorce is an important aspect of Islamic family law that has a significant impact on family life. This article discusses the definition of divorce, its legal basis, pillars and requirements, as well as the various types of divorce from the perspective of fiqh munakahat. In addition, this study highlights the factors that cause divorce and its socio-psychological implications, especially for women and children. This research uses a literature study method with reference to the Qur'an, hadith, fiqh books, and Indonesian laws and regulations. The results of the study show that divorce is not only a private matter, but also has a broad social impact. A comprehensive understanding of divorce law is necessary to maintain the welfare of families and society.

Upaya meningkatkan kemampuan literasi matematika melalui media interaktif powerpoint di kelas x man 1 kota probolinggo

2025-11-19T01:44:04+00:00

Technological progress in the 21st century has profoundly influenced various sectors, especially education, including the integration of instructional methods. This research seeks to enhance the mathematical literacy of grade 10 students at MAN 1 Kota Probolinggo by utilizing interactive PowerPoint media integrated with the cooperative learning model, Student Teams Achievement Division (STAD). The study adopts a Classroom Action Research (CAR) design, carried out in two sequential cycles. Data were obtained through classroom observations and assessments of mathematical literacy grounded in contextual problem-solving tasks. A descriptive-comparative method was used to analyze the data across the different categories. A comparison between the first and second cycles revealed a substantial improvement in student performance, with the average score rising from 41.67 to 79.54—an increase of 37.88 points. According to Arikunto’s (2013) classification, in the second cycle, 16 out of 24 students (66.67%) achieved scores in the high category (76–100), 6 students (25%) were in the moderate category (56–75), and 2 students (8.33%) fell into the low category (≤55). These outcomes suggest that most students reached a high mastery level. As such, the integration of interactive PowerPoint media demonstrates a positive impact on improving the mathematical literacy of grade 10 students at MAN 1 Kota Probolinggo.

Fenomena krisis moral dalam era digital dan perspektif tentang akhlak islam

2025-11-19T01:30:33+00:00

The digital era has brought about major transformations in social interactions, information access, and lifestyles. However, this technological advancement has also given rise to a moral crisis, such as the emergence of hoax news, hate speech, a culture of showing off, pornography, and a loss of empathy. This problem is rooted in weak self-control in the use of digital freedom. This research uses a literature review approach to analyze the moral crisis in the digital era and examine it through the perspective of Islamic morality. Islam offers comprehensive solutions in the form of tazkiyah an-nafs (purification of the soul), amar ma'ruf nahi munkar (encouraging good and preventing evil), muraqabah (awareness of God's supervision), and the application of Islamic digital ethics. The results of the study indicate that the application of Islamic moral principles can serve as a moral bulwark in facing the challenges of the digital world. In conclusion, overcoming the digital moral crisis requires a holistic approach involving individual empowerment through morality, the role of the family, Islamic digital literacy education, and fair and firm government regulations. Thus, Islamic morality not only functions to maintain individual morality but also to build a dignified and civilized digital society.

Membangun kesadaran kewarganegaraan di era digital: tantangan dan strategi menuju partisipasi demokratis

2025-11-19T01:22:18+00:00

The digital era has transformed the landscape of civic life, particularly in terms of citizen participation. The advancement of information technology presents both opportunities and challenges in fostering a critical, active, and responsible sense of citizenship. This paper explores the various obstacles in raising civic awareness amidst the massive flow of digital information, such as disinformation, opinion polarization, and low digital literacy. Furthermore, it outlines strategic approaches to promote democratic participation, including digital-based civic education, the strengthening of media literacy, and the optimization of inclusive virtual public spaces. Using a qualitative approach and literature analysis, this study aims to contribute to the collective effort in developing digitally literate, critical, and democratically engaged citizens in the information age.

Keseimbangan produksi dan konsumsi dalam perspektif islam dan relevansinya terhadap ekonomi modern

2025-11-19T01:12:14+00:00

Production and consumption activities are crucial components in the economy. In Islamic teachings, contained in the Qur'an and Hadith, there are instructions for people to always maintain balance in the utilization of resources, the manufacture of goods, and the expenditure of wealth. The application of this balance value is very important so that there is no waste or shortage that can have a negative impact on society and the environment. This article aims to describe how Islam establishes the principle of balance in production and consumption, and explains how to apply it in managing the economy today. The writing approach is carried out by analyzing sources such as the Qur'an, Hadith, tafsir literature, and current management theories. The findings from this discussion indicate that the application of the principle of balance can help companies regulate production according to market demand, avoid overstock, and educate the public to shop wisely. Thus, Islamic values serve to support a fair, efficient, and sustainable economy in the contemporary era.

Media pelestarian budaya lokal di desa argosuko

2025-11-18T08:08:06+00:00

Kuda lumping is one of the traditional Javanese performing arts that is rich in cultural, spiritual, and social values. In Argosuko Village, Poncokusumo District, Malang Regency, the Songgorejo kuda lumping continues to hold a special place in the hearts of the community. This performance is not merely a form of folk entertainment, but also serves as a means of preserving identity, strengthening solidarity, and creating economic opportunities. This article seeks to examine the role of kuda lumping as a medium for cultural preservation amid the increasingly strong currents of globalization. In Javanese tradition, kuda lumping is regarded as a symbol of strength, resilience, and the relationship between humans, nature, and the spiritual world. Accompanied by gamelan music and magical attractions, kuda lumping possesses a unique appeal. In Argosuko Village, its presence not only reinforces social cohesion but alscreates a space for intergenerational interaction. The older generation serves as guardians of tradition, while the younger generation becomes both successors and innovators in ensuring the continuity of this art form. This article employs a qualitative approach based on literature and socio-cultural analysis. The findings show that kuda lumping plays a multidimensional role: as cultural identity, a medium of traditional education, a spiritual space, a driver of the local economy, and a tradition facing the challenges of modernization. Therefore, the preservation of kuda lumping requires collaborative strategies involving the community, government, academics, and artists. In this way, the Songgorejo kuda lumping can continue to serve as a symbol of the sustainability of local culture that must be safeguarded and developed.

Pengaruh sampah rumah tangga terhadap lingkungan

2025-11-18T07:56:44+00:00

Household waste is a critical environmental issue because improper management can lead to soil, water, and air pollution. Such pollution directly affects ecosystem quality and human health. This article discusses two main types of household waste—organic and inorganic—and their different risks of contamination. Organic waste, if unmanaged, can produce odor and harmful gases, while inorganic waste such as plastics may take hundreds of years to decompose, worsening environmental degradation. Proposed solutions include applying the 3R principles (Reduce, Reuse, Recycle), separating waste at the household level, and reusing waste through composting and recycling. The findings emphasize that effective waste management requires active community participation, continuous public education, government policy support, and technological innovation. With these strategies, the negative impact of household waste can be minimized and environmental sustainability better preserved.

Karakteristik dan paradigma al-qur’an dan sosial budaya

2025-11-18T07:38:30+00:00

This article discusses the characteristics and paradigm of the Living Qur'an, an approach that emphasizes understanding and applying the teachings of the Qur'an in daily life. The Living Qur'an has several key characteristics, including the integration of Qur'anic teachings with aspects of morality and ethics in social interactions, contextual interpretations relevant to the times, and a harmonious relationship with science. In addition, this concept encourages continuous spiritual practice and social and environmental responsibility. In terms of paradigm, Living Qur'an promotes humanistic theology, value-based leadership, holistic education, tolerance, and environmental preservation. Thus, Living Qur'an functions not only as a sacred text, but also as a dynamic and applicable guide for life, which aims to create a better and more just society.

Skrining kandungan metabolit sekunder ekstrak daun lamtoro (leucaena leucocephala) secara kualitatif dan kuantitatif menggunakan spektrofotometer uv-vis

2025-11-18T07:30:06+00:00

Lamtoro (Leucaena leucocephala) is a plant with potential in pharmacology because it contains several potential secondary metabolites. This study was conducted to identify the secondary metabolite content and calculate the total phenol content of lamtoro leaf extract. The methods used in this study were qualitative tests with phytochemical screening using color reactions to identify secondary metabolite compounds and quantitative methods using a UV-Vis spectrophotometer to test the total phenol content of the extract. The results of the qualitative test of secondary metabolites in lamtoro leaf extract successfully identified the presence of alkaloids, flavonoids, phenols/tannins, triterpenoids, and saponins. The quantitative test of phenol content showed that this extract had a total phenol content of 84.5723 mg GAE/g in 10.51 mg of sample reacted using Folin-Ciocalteu reagent an . This phenol content can be categorized as high phenol content, so it has the potential to be developed in the pharmaceutical field, one of which is as an alternative antioxidant.

Analisis produksi tanaman pangan nasional: statistik deskriptif dan tren bulanan produksi padi dan jagung tahun 2025

2025-11-18T03:49:27+00:00

This study aims to analyze the production of national food crops, particularly rice and maize, using descriptive statistics and monthly trend analysis. The data were obtained from the Central Bureau of Statistics (BPS) for the period of January to July 2025. The results indicate that rice production experienced significant fluctuations, with a sharp increase from January, peaking in March–April, and then declining from May to July. In contrast, maize production showed a more stable pattern; although there was an increase in February and a slight decrease in May, the overall trend remained relatively consistent from month to month. The descriptive analysis highlights a clear difference in seasonal characteristics between the two commodities. Rice production is strongly influenced by planting seasons and harvest cycles, while maize tends to have a more evenly distributed production throughout the year. These findings suggest that the fluctuations in rice production and the stability of maize production can complement each other in maintaining food availability. Therefore, this study provides a useful basis for further research on the dynamics of food production and its role in supporting national food security.

Kajian keusangan literatur dalam jurnal ilmu komunikasi universitas diponegoro tahun 2021

2025-11-18T03:39:41+00:00

The research aimed to analyze the level of obsolescence of literature in scientific articles published in the Journal of Communication Science, Diponegoro University in 2021. There are 16 articles with a total of 446 citations that have a period of publication between 1934 and 2021. The method used in this study is a diachronous obsolescence approach with a half-life calculation technique to determine the median year of reference. The results of the analysis show that the half-life value is in 2014, which means that half of the literature used comes from 2014 to 2021. As a result, citations that are not obsolete reach 52% and the remaining 48% fall into the obsolete category. Which shows that most articles have referred to up-to-date literature, and it is hoped that future authors can improve the quality of the proportion of references as well as encourage the use of more relevant and actual literature in scientific publications.

Penerapan model pembelajaran problem based learning (pbl) untuk meningkatkan pemahaman siswa terhadap nilai-nilai pancasila di kelas x mipa 2 ma plus al-hadi bojonegoro

2025-11-18T03:26:55+00:00

This study aims to improve students' understanding of Pancasila values through the application of the Problem Based Learning (PBL) model in class X MIPA 2 MA Plus Al-Hadi Bojonegoro. The background of this study is due to the low level of students' understanding of Pancasila values as reflected in their attitudes and participation during learning. This study uses a Classroom Action Research (CAR) approach with two cycles, each consisting of planning, implementation, observation, and reflection. The results of the study showed that the application of the PBL model significantly improved students' understanding. This is evidenced by the increase in the percentage of student learning completion from 65% in cycle I to 81% in cycle II. These findings indicate that the PBL model can be an effective alternative in learning Pancasila Education to foster understanding and practice of the nation's basic values.

Strategi pengelolaan manajemen sumber daya manusia untuk meningkatkan kinerja organisasi

2025-11-18T03:15:59+00:00

Human Resource Management (HRM) is an essential part of any organization and serves as a key factor in achieving goals. HR is considered not merely a cost, but a vital asset. Effective HR management can increase organizational productivity and efficiency, especially amidst increasingly fierce global competition. This paper discusses various HR management strategies that can be implemented to improve organizational performance and explains the key concepts and positive benefits of implementing sound HRM. Furthermore, this paper aims to provide a deeper understanding of the crucial role of HRM in supporting organizational efficiency and effectiveness. Good HR management not only helps achieve short-term goals but also ensures the organization's long-term sustainability and success. Furthermore, factors such as transformational leadership, employee development, diversity management, and results-based performance management play a strategic role in building a healthy work culture, increasing motivation and productivity.

Analisis puisi hafiz ibrahim dalam perspektif naratologi poststrukturalisme

2025-11-18T03:02:26+00:00

This article discusses the application of poststructuralism theory in analyzing the poem Al-Ummah by Hafiz Ibrahim, one of the important figures of modern Arabic literature. Poststructuralism, as a response to structuralism, rejects the idea that the meaning of a text is fixed and objective, and emphasizes the role of the reader in creating meaning through interpretation. The approaches used in this study include poststructuralist narratology and genetic structuralism. The analysis of the poem shows that the narrative in this work has an open structure, with meaning relative and dependent on the reader's perspective. Through narratological theory, the poem Al-Ummah is seen as a call for the revival of the Egyptian nation rich in symbolism, while also reflecting the struggle against colonialism and social injustice. This study also highlights the elements of intertextuality and the instability of meaning in the poem, which provide room for diverse interpretations according to the social context and the reader's experience. Thus, poststructuralism theory becomes a relevant tool for exploring the depth of meaning in literary texts, enriching understanding of the relationship between the text and the socio-political realities that underlie it.

Implementasi Budaya Sekolah dalam Meningkatkan Karakter Peserta Didik di mts. Mazra’atul Ulum Paciran

2025-11-18T02:45:45+00:00

This study aims to examine the role of school culture in shaping the character of students at MTs. Mazra'atul Ulum Paciran, with a focus on the integration of character values in social studies learning. Through a descriptive qualitative approach, data was obtained that the implementation of school culture such as the 3S habits (smile, greet, say hello), 5K (cleanliness, discipline, health, beauty, and politeness), and structured religious activities, are able to form a conducive learning environment that is full of moral values. Teachers act as the main agents in conveying character values through role models, empathetic communication, and the use of contextual learning methods. Students demonstrate a cooperative attitude, high enthusiasm for learning, and active involvement in various activities that support character formation. These findings confirm that the synergy between school culture, the role of teachers, and student participation is the key to creating holistic and meaningful learning. A well-internalized school culture can be an effective means of instilling character values sustainably.

Dualitas makna konotatif dan denotative dalam surat an-nur ayat 35

2025-11-18T02:35:21+00:00

Surah An-Nur verse 35, known as Ayat an-Nur or the “Verse of Light,” is one of the most aesthetically profound and complex verses in the Qur’an. This verse portrays Allah as the source of light in the heavens and the earth, conveying both denotative and connotative meanings. The denotative meaning emphasizes Allah as the giver of guidance and the source of life, while the connotative meaning opens space for spiritual interpretations, including the concept of Nur Muhammad in Sufi tradition. This study employs a qualitative, literature-based approach to analyze the literal and symbolic meanings within the verse, and how these two dimensions synergize to shape a deeper understanding of divinity and guidance in Islam. The findings indicate that the interpretation of Surah An-Nur verse 35 is not merely literal, but also involves a profound reflection on divine symbols that guide humans toward higher spiritual consciousness.

Perbandingan ketatanegaraan indonesia dan saint kitts & nevis dari berbagai aspek

2025-11-18T02:21:49+00:00

In today’s global era, marked by complex governmental systems and legal dynamics, comparative constitutional studies are essential for understanding how countries design governance structures tailored to their national characteristics and needs. Indonesia and Saint Kitts & Nevis represent two countries with vastly different historical backgrounds, cultures, and political systems. Indonesia adopts a civil law system within a unitary state framework and a presidential form of government, while Saint Kitts & Nevis applies a common law system under a federal structure and a parliamentary government within a constitutional monarchy. This article explores six key aspects: legal system, form of the state, form of government, system of government, constitution, and legislative structure. The study reveals that although both countries uphold the values of democracy and constitutional supremacy, the fundamental differences in their state design reflect their responses to geographical, demographic, and historical conditions. Indonesia emphasizes national integration within a centralized structure, while Saint Kitts & Nevis provides significant local autonomy, particularly for the island of Nevis. This paper offers a fresh perspective in the field of comparative constitutional law and broadens understanding of the flexibility of governance models on a global scale.

Pengaruh pemberian dosis pupuk organik cair terhadap pertumbuhan tanaman tomat

2025-11-18T02:09:41+00:00

Tomato plants (Lycopersicum esculentum) are important horticultural commodities in Indonesia that have high economic value and are widely consumed directly or as industrial raw materials. The growth of tomato plants is strongly influenced by environmental factors such as light intensity, water, and fertilizer dosage. The data used in this study is the result of naming tomatoes for approximately 40 days. This study aims to determine the effect of fertilizer doses on tomato growth. The dose of tomato plant fertilizer is divided into 4 treatments, namely 3 ml/L, 6ml/L, 9 ml/L and 12ml/L. This study was calculated manually and using minitab software to get the result that there is no effect of fertilizer dosing on tomato growth.

Tinjauan fiqh siyasah maliyah terhadap pengadaan barang atau jasa (studi kasus balai perkeretaapian (btp) bandung)

2025-11-18T01:54:52+00:00

The aim of this research was to revolutionize the process of procuring goods and knowing the principles of procuring goods or services consistent with the islamic faith. The study USES literature methods that data derived from reading books, magazines and also electronic media. Research indicates that in the economic sector, the procurement of goods and services is an important element of the economy. In the process, there are frequent infractions of some officials. Common examples include corruption, collusion, and nepotism (KKN), which most of the cases handled by KPK, occur in the process of procurement and services or auction. Many people try to achieve their goals in various ways, such as bribery in the tender tender process. These practices are often performed by commitment officials (PPK) and auction committees to accommodate certain interests, resulting in decisions that are favorable to the parties involved. In Islam an auction is allowed as long as it does not break the rules and does not inflict harm or youth, but is warned if it involves elements of usury or harm others

Peran Konsep Matematika dalam Berbagai Aspek Kehidupan

2025-11-18T01:26:37+00:00

This study discusses the role of mathematical concepts in various aspects of community life, including economics, agriculture, education, social affairs, government, and culture. The analysis was conducted through a literature review by examining scientific works, journals, and trusted references. The findings show that mathematics is not only a tool for calculation but also a means to develop critical thinking skills, support decision-making, and foster character building. In the economic field, mathematics serves as a regulator of economic activities. In agriculture, it is used to determine patterns. In education, the application of technologies such as GeoGebra and contextual learning has proven to enhance mathematical connections and student creativity. In social activities, mathematics plays an important role in maintaining order and harmony in social interactions. In state governance, mathematics supports public policy planning through economic modeling, statistics, and electoral methods such as the Sainte-Laguë system. In the cultural sphere, mathematics is reflected in batik patterns, temple architecture, and carvings that employ Fibonacci patterns and geometric concepts. These findings affirm that mathematics serves as a crucial foundation for societal progress, not only in practical aspects but also as a medium for preserving cultural values and developing essential life skills.

Transaksi gharar dalam islam: analisis berdasarkan al-quran dan hadits

2025-11-18T01:14:25+00:00

This study aims to examine the concept of gharar in Islamic law and analyze its application in modern economic transactions. Gharar is one of the important prohibitions in muamalah fiqh because it contains an element of uncertainty that can harm one of the parties in the transaction. In contemporary economic practice, gharar can be found in various forms such as online buying and selling, derivative instruments, and transactions that are not accompanied by clarity of the object, price, or time of delivery. This study uses a qualitative method with a literature study approach. Data were obtained from primary and secondary literature in the form of the Qur'an, hadith, fiqh books, scientific journals, and fatwas from the National Sharia Council (DSN-MUI). The results show that forms of gharar in the modern economy have a negative impact on justice and legal certainty in transactions. Therefore, an understanding of sharia principles is needed, as well as strengthening regulations and education to realize an ethical and sustainable transaction system in accordance with Islamic values.

Efek kehilangan figur ayah terhadap pembentukan identitas gender remaja

2025-11-17T08:57:45+00:00

The phenomenon of fatherlessness (the physical or emotional absence of a father figure) is increasing in society, significantly impacting adolescent development, particularly gender identity formation. This article analyzes the relationship between father absence and the process of adolescent gender identity formation through a systematic literature review. Studies show that fathers play a crucial role as role models for boys in learning healthy masculinity and for girls in shaping expectations about relationships with men. Father absence (due to death, divorce, emotional disengagement, or employment) is associated with an increased risk of gender role confusion, deviant behavior, difficulties in social relationships, and identity crises, although the impact varies based on the child’s gender, age, social support, and cultural context. This article concludes that the presence of an active and loving father is a protective factor in the development of a healthy gender identity. This implies the need for strategies to strengthen family roles, utilize substitute figures (teachers, mentors, extended family), and policy interventions that support intact families or single parents. The study’s approach is based on a review of developmental psychology theories (Erikson, Bandura) and a synthesis of previous empirical research findings on this topic.

Generasi muda dan tanggung jawab sosial terhadap pendidikan masyarakat

2025-11-17T07:57:31+00:00

Youth are among the most valuable assets of a nation, as they play a vital role in shaping the future, particularly in the field of education. Education is not only about improving individual abilities but also serves as the foundation for building a stronger and more advanced society. For this reason, young people are expected to take social responsibility by actively contributing to the improvement and expansion of educational access for all. Their contribution is not limited to being recipients of education but extends to becoming agents of change who bring forward new ideas, social initiatives, and innovations relevant to current developments. Practical involvement can be seen in literacy programs in remote areas, tutoring for underprivileged children, and the use of technology to create effective learning media. Such efforts help overcome limitations in educational resources, raise public awareness of the importance of education, and support equal opportunities for learning. At the same time, active participation in education also shapes the character of young people. Through direct engagement, they develop empathy, social responsibility, and leadership skills that are valuable for society as a whole. These experiences serve as an important foundation for building a fair, inclusive, and competitive community in the global era. In conclusion, the social responsibility of youth in education is not only a moral obligation but also a key factor in preparing a smarter, stronger, and future-ready society.

Analisis lingkungan eksternal dan internal dalam sebuah organisasi

2025-11-17T07:49:56+00:00

This study aims to examine the critical role of environmental analysis in supporting effective strategic decision-making. Internal environmental analysis focuses on assessing resources, organizational structure, work culture, and managerial capabilities that influence organizational performance and competitiveness. Meanwhile, external environmental analysis encompasses factors beyond the organization's control, such as economic conditions, government policies, technological developments, and the level of market competition.Through the application of SWOT analysis, organizations can identify strengths, weaknesses, opportunities, and threats as a basis for formulating more adaptive and targeted strategies. The study's results indicate that integrating internal and external environmental analysis can help organizations adapt their strategies to changes in the business environment, improve planning effectiveness, and strengthen their competitive position in the market.

Pilar kebangsaan di era globalisasi

2025-11-17T07:35:31+00:00

The increasingly rapid development of globalization has had a significant impact on the perspective and behavior of Indonesian society. The openness of the flow of information, culture, and global technology requires the Indonesian people to remain grounded in the four pillars of nationality, namely Pancasila, the 1945 Constitution, the unitary State of the Republic of Indonesia (NKRI), and Bhineka Tunggal Ika. These four pillars serve as guidelines in maintaining national identity, unity, and resilience amidst changing times. This study aims to reexamine the meaning and application of the pillars of nationality in the context of modern life. The results of the study indicate that strengthening the values of Pancasila and the spirit of diversity is key to building a strong national character, integrity, and global competitiveness. The pillars of nationality not only serve as a legal and moral basis, but also serve as a foundation for strengthening national identity so that the Indonesian nation remains firmly established as a sovereign nation with personality amidst the complex currents of globalization.

Metode Role Play dalam Pembelajaran ppkn di Sekolah Dasar

2025-11-17T07:28:14+00:00

This study aims to examine the effectiveness of the role play method in learning Pancasila and Citizenship Education (PPKn) in elementary schools. Through a qualitative approach, data were collected through interviews with six students from various grade levels and one PPKn teacher at MI Zainul Anwar Probolinggo. The results of the interviews showed that the majority of students preferred interactive and fun learning such as role-playing, watching videos, and discussing. Teachers also recognized the importance of a student-centered approach in teaching Pancasila values. Based on field findings and literature reviews, the role play method is considered capable of improving cognitive understanding and shaping students' character through direct experience. Despite challenges such as time constraints, teacher readiness, and student self-confidence, this method is still considered relevant and in accordance with the spirit of the Merdeka Curriculum. This study recommends the use of role play as one of the active learning strategies that can create a more contextual, participatory, and meaningful learning atmosphere in PPKn classes.

Hambatan dalam pembelajaran digital: tantangan guru dan siswa

2025-11-17T07:13:14+00:00

The development of technology in the field of education has encouraged the implementation of digital learning as an interactive and effective approach. However, several challenges arise in the practice of digital learning at MAN 2 Malang Turen, particularly related to the limited availability of projectors, the difficulties faced by senior teachers in adapting to technology, and the misuse of digital devices by students. This study employed a descriptive qualitative approach with data collected through in-depth interviews, direct observations, and documentation. The findings revealed that out of 16 classrooms, only 3 active projectors were available, requiring teachers to take turns using them. This situation affected the effectiveness of the teaching and learning process, reduced the interactivity of lessons, and lowered students’ learning motivation. Moreover, senior teachers faced difficulties in operating digital media due to limited technical skills and a lack of confidence, leading them to prefer traditional lecture methods. On the other hand, students tended to misuse digital devices such as mobile phones during lessons, which disrupted their concentration. These findings highlight the urgency of improving digital facilities in schools, providing continuous and empathetic technology training for teachers, and strengthening students’ digital literacy to support more effective, engaging, and relevant learning in the digital era.

Mancing sebagai aktivitas sosial: membentuk solidaritas dan ekonomi komunitas

2025-11-17T07:04:15+00:00

Fishing is not merely an individual recreational activity; it also has significant social and economic dimensions. The interactions among anglers often foster bonds of solidarity, friendship networks, and collective cooperation within the community. Furthermore, this activity stimulates economic activity through the provision of fishing equipment, transportation services, boat rentals, and the emergence of tourism events and fishing competitions. These impacts provide opportunities to strengthen the local economy while creating space for community participation in productive activities. Therefore, fishing can be viewed as a social activity that contributes to the building of solidarity and the sustainable development of the community economy. The discussion on fishing as a social and economic activity shows that this activity is not just a hobby or recreational activity, but also has strategic value for society.

Peran Mikrobiota dalam Kesehatan Manusia

2025-11-17T04:05:55+00:00

The human microbiota is a community of microorganisms that live in the human body, especially in the digestive tract, and consists of various types of bacteria, viruses, fungi, and other microbes. Although these microorganisms are often associated with disease, recent scientific research has shown that microbiota play a vital role in maintaining a healthy body. Microbiota functions in digestion, vitamin production, protection against pathogens, and regulation of the immune system. In addition, microbiota also plays a role in maintaining mental balance through the gut-brain axis, a communication pathway between the central nervous system and microorganisms in the gut that influences psychological conditions such as depression and anxiety. Each individual has a unique microbiota composition, which is influenced by genetics, diet, lifestyle, age and environment. Imbalances in the microbiota, known as dysbiosis, can trigger a variety of health disorders, such as obesity, diabetes, autoimmune diseases, metabolic disorders and neurological disorders. The development of research on microbiota has opened up new opportunities in the field of disease treatment and prevention through a more personalized approach based on microbial balance. Therefore, a deeper understanding of the role of the microbiota is crucial in supporting the development of effective and sustainable health strategies.

Implementasi geostrategi di dunia: strategi dalam menjaga kepentingan nasional

2025-11-17T03:50:28+00:00

Geostrategy is a multidimensional approach used by states to utilize geographical position, economic power, technological advances, and international relations to achieve national interests. This research discusses the dynamics of 21st century global geostrategy, highlighting the United States' strategy through military alliances in the Indo-Pacific region, China's Belt and Road Initiative project, and Indonesia's implementation of the World Maritime Axis concept. In addition, contemporary issues such as cyberattacks, climate change, technological competition, and the influence of social media and renewable energy are analyzed as key elements in the transformation of modern geostrategy. The findings show that today's geostrategy is no longer limited to military aspects, but includes diplomacy, economy, culture, and unconventional defense. Indonesia, with its strategic geographical location, has great potential to play an important role in the global arena through strengthening infrastructure, cyber resilience, defense industry, and soft power. This research concludes that a country that is able to integrate these various aspects in an adaptive and sustainable manner will be better prepared to face increasingly complex global geopolitical challenges.

Public relations dan pengaruhnya terhadap loyalitas nasabah bank

2025-11-17T03:07:02+00:00

This study discusses the role of Public Relations in the banking sector and its impact on customer loyalty. In the era of digital technology, the Public Relations strategy is very important for banks to build a good image, increase trust, and maintain strong relationships with customers. Through open communication and effective crisis management, Public Relations contributes to creating long-term customer loyalty. Factors such as service quality, credibility, and emotional engagement also play a crucial role in shaping customer loyalty. This study shows that active and integrated Public Relations with digital technology can increase customer loyalty, especially by strengthening the bank's reputation and responding quickly to customer needs. Stronger public relations on digital platforms, including social media and mobile apps, allows for real-time and interactive communication with customers. Furthermore, educational programs focused on financial literacy are crucial to help customers understand the products and services offered and how to manage their finances wisely.

Pendidikan karakter anak usia dini

2025-11-17T02:57:28+00:00

The purpose of character education in early childhood is to foster commendable behavior that includes elements of worship, social interaction, and values that support life success. This happens in many places, but the family is the child's first place, where parents are responsible for setting an example. However, schools and communities, through various learning and habituation approaches, are responsible for educating children's character.In this study, a multidisciplinary approach was used to study the character formation process in TK Aisyiyah Mamajang, Makassar City, which includes philosophical, pedagogical, psychological, and theological elements. The principal, educators, parents, and other early childhood education institutions were the sources of data. The results of the study showed that the character education program in elementary education institutions was successful, which was marked by positive changes in student behavior. It was proven that the BCCT (Beyond Centers and Circle Times) method, together with various habituation and role model activities, helped children become more confident, religious, and independent. This method also helped children become better at communicating. Successful programs showed changes in character, such as changing from spoiled to independent, from shy to more confident, and from undisciplined to more organized.Character education at TK Aisyiyah Mamajang can be an example for other early childhood education institutions in building children's character from an early age, although there are still some obstacles, such as differences in children's backgrounds and environmental factors. Character education applied from an early age is expected to form strong people, have noble morals, and are ready to face challenges in the future.

Analisis Perbandingan Naghmah (nada) dan Tanghim (intonasi) dalam Syair “Al-i’itiraf” Karya Abu Nawas

2025-11-17T02:40:26+00:00

The poem Al-I’itiraf by Abu Nawas is one of the classical Arabic literary works filled with emotional and spiritual expressions. This study aims to analyze the comparison of tone and intonation in the poem using a phonetic (Ilmu Aswat) and prosodic linguistic approach. The study highlights how tone and intonation in Al-I’itiraf reflect profound meanings, emotions, and linguistic aesthetics conveyed by the poet. Trough phonetic analysis, it was found that variations is tone and intonation in the poem play a crucial role in emphasizing the spiritual message, particularly the expression of humility and seeking forgiveness from Allah. The study also reveals that certain intonation patterns in the poem create a strong rhetorical effect and emotionally influence the audience. The findings of this study not only contribute to understanding the phonetic beauty in Abu Nawas’ works but also enrich insights into the relationship between linguistic and aesthetics in classical Arabic poetry.

Evaluasi kebijakan pembiayaan ultra mikro dalam perspektif hukum ekonomi syariah: isu, tantangan, dan solusi

2025-11-17T02:21:28+00:00

The Ultra Micro Financing Program (UMi) is a government initiative that aims to reach micro-entrepreneurs who have not been touched by banking services. However, the implementation of this policy faces a number of obstacles, especially related to the application of Islamic economic law principles, such as the use of contracts that are less in accordance with sharia and the limited understanding of recipients of the concept of sharia finance. This study aims to examine the effectiveness of the implementation of the UMi program based on the perspective of Islamic economic law, identify various problems and obstacles, and offer solutions that are in accordance with sharia principles. The method used is qualitative with a literature study approach. The results of the study indicate violations in the implementation of contracts and a weak understanding of sharia principles among business actors. Therefore, it is recommended to strengthen regulations, increase sharia education, and active collaboration between sharia financial institutions, the government, and academics

Peran kaum wanita dalam perjuangan kemerdekaan indonesia

2025-11-17T02:09:20+00:00

The important role played by women in fighting for Indonesian independence during the colonial period, the independence struggle period, and the period after independence. Women did not participate in the battle for independence but participated directly in the armed resistance and underground movement. Apart from providing logistical support and setting up soup kitchens, women actively participated in the underground movement and armed resistance. Women's courage is symbolized by figures such as Admiral Malahayati, Martha Christina Tiahahu, and Cut Nyak Dien. Malahayati represents women's courage in the face of colonialism. However, women faced a number of difficulties and obstacles in carrying out their duties, including gender discrimination, difficulties and obstacles including discrimination based on sex, limited access to military and educational opportunities, in addition to societal expectations that limited women's space for movement. Through participation in national development, socio-political organizations, and advocacy for women's rights, women's struggles continued after independence. They fought for gender equality in various fields of life with an emancipatory spirit.

Sastra arab sebagai jembatan: islamisasi di nusantara dan perkembangannya

2025-11-17T01:56:19+00:00

This research focuses on the role of Arabic literature in the process of spreading Islam in the Nusantara (Malay Archipelago) and its developmental journey through the analysis of various literary works, including religious texts, poetry, and hikayat (traditional tales). Arabic literature is more than a form of aesthetic expression; it also serves as a cultural bridge that unites Arab traditions with local cultures, as well as a tool in shaping the Islamic identity of the society. By using historical and textual analysis approaches, this article reveals how Arabic literary works contributed to disseminating Islamic values, strengthening religious thought, and shaping the cultural dynamics of Islam in the region. Moreover, this study explores how Arabic literature was locally adapted and its influence on the development of cultural, intellectual, and social aspects of the society. The findings indicate that Arabic literature functioned as an effective medium of da'wah (Islamic preaching) while enriching the Islamic literary tradition in the region. Thus, Arabic literature holds a significant role as both a cultural and intellectual bridge in the ongoing Islamization process.

Perekonomian indonesia pada masa orde lama : antara kebijakan ekonomi dan stabilitas sosial

2025-11-17T01:39:04+00:00

During the Old Order period (1945-1966), young Indonesians were faced with various challenges and political instability in economic development. The economic policies implemented by the government at that time were influenced by efforts to build a newly independent country and strengthen national identity. In the midst of abundant natural resources without being balanced by qualified human resources, the economic system will be less stable. However, during the Old Order era, Indonesia's economic policies focused on industrialization and nationalization of foreign companies, as well as creating economic independence. However, these policies were often carried out without careful planning, which led to an imbalance between economic needs and social stability. One significant impact was soaring inflation, scarcity of goods, and budget deficits that disrupted people's welfare. On the other hand, political and social pressures, including ideological conflicts created by bureaucrats between communist, nationalist and Islamic groups, also affected the stability of the country. This article therefore discusses how the economic policies of the Old Order interacted with socio-political dynamics and their impact on the Indonesian economy. With these studies, the aim of this article is to provide a deeper understanding of the relationship between the economic policies adopted by the Old Order government and the efforts to maintain social stability amidst the economic crisis.

Menebar kebaikan di bulan suci: aksi berbagi takjil dan buka bersama karang taruna dusun sangeng

2025-11-17T01:27:18+00:00

The month of Ramadan is a significant moment in the social life of Indonesian society, especially as an opportunity to strengthen solidarity, deepen Islamic values, and foster positive interactions among community members. This article discusses a community service activity carried out by students from the KKM (Kuliah Kerja Mahasiswa) program of UIN Malang in Sangeng Kramat Hamlet, Bangil, during Ramadan 2025. The main focus of the activity was the distribution of takjil (light meals to break the fast) and the organization of communal iftar (breaking of the fast), conducted in close collaboration with the local youth organization, Karang Taruna. This study adopts a qualitative descriptive approach, employing observation, documentation, and active participation as data collection techniques. The results show that the takjil distribution and communal iftar not only provided direct benefits in the form of meals for fasting residents, but also created a social space that strengthened interpersonal relationships within the village community. The active participation of Karang Taruna youth reflects a spirit of mutual cooperation and the embodiment of religious values in tangible actions, while the involvement of KKM students served as a meaningful social learning experience and a realization of the Tri Dharma of Higher Education. Moreover, the activity helped foster a positive image of the youth organization and nurtured empathy among adolescents. Thus, initiatives like this have proven effective in building social networks, strengthening solidarity, and supporting the development of a caring and harmonious society. This form of community-based philanthropy demonstrates that the integration of spiritual and social values can generate sustainable positive impacts within society

Daya tarik saham bank bca bagi investor jangka panjang: analisis keuangan dan prospek masa depan

2025-11-17T01:08:29+00:00

This study aims to analyze the stock investment prospects of PT Bank Central Asia Tbk. (BCA) by reviewing its financial performance, operational stability, and competitiveness in the capital market over the past five years (2020-2024). Through a descriptive statistical approach, data on stock price trends, financial statements, and Return on Equity (ROE) ratios are evaluated to provide an overview of future investment potential. The results of the analysis show that BCA shares experienced significant growth, despite being affected by the COVID-19 pandemic in 2019-2020. The steady increase in net profit, total assets, and total equity reflects the company's expansion and efficiency. Consistent ROE values above 15% demonstrate management's ability to effectively utilize capital to generate profits. With positive growth trends and adaptability to economic challenges, BCA shares are a promising investment option for the long term

Pancasila sebagai dasar pendidikan anti korupsi untuk generasi muda indonesia

2025-11-17T00:58:39+00:00

Corruption remains a serious problem that hinders national development and damages the character of the nation. Efforts to eradicate corruption cannot rely solely on law enforcement, but must also be supported by moral education and character building from an early age. This study aims to examine the role of Pancasila values as a foundation in the development of anti-corruption education for Indonesia's younger generation. Using a qualitative descriptive method through a literature study approach, this research explores various sources such as scientific journals, anti-corruption institution reports, and other academic references. The findings of the study state that Pancasila values, such as honesty, responsibility, justice, and a spirit of togetherness, are closely related to shaping an anti-corruption character. Integrating these values into the education curriculum, instilling honest behaviour, and involving the active role of families and communities can strengthen the integrity of the younger generation. Therefore, anti-corruption education based on Pancasila is an effective strategic step to produce a future generation with integrity, high morals, and a commitment to creating a corruption-free Indonesia.

Pengelolaan sampah menjadi kompos di tpa talangagung, malang: inovasi berkelanjutan untuk lingkungan yang lebih baik

2025-11-17T00:48:29+00:00

The increasing volume of waste in line with population growth and human activities poses a serious challenge to the environment, especially when not managed properly. Organic waste is a type of waste that decomposes easily and has the potential to be reused through the composting process. This article aims to examine the organic waste management system into compost at the Talangagung Final Processing Site (TPA) in Malang Regency. The study was conducted using an exploratory method and literature review with a qualitative approach. TPA Talangagung implements a controlled landfill concept and the 3R principles (reduce, reuse, recycle), and utilizes commercial bioactivators (EM4) and natural starters in the composting process. This process produces high-quality compost that can be used as organic fertilizer. In addition to ecological and agronomic benefits, this system also provides economic and educational impacts for the community. This study shows that the innovation in organic waste management at TPA Talangagung is a sustainable practice that can serve as a model for environmental management in other regions.

Peningkatan kualitas literasi qur'ani melalui kegiatan pembelajaran bt al-qur'an di tpq remaja masjid jami' gresik

2025-11-14T09:08:14+00:00

This study aims to describe the improvement of the quality of Qur'anic literacy of students at the TPQ Remaja Masjid Jami' Gresik through the implementation of the Al-Qur'an Reading and Writing (BT Al-Qur'an) learning activities. The quality of Qur'anic literacy in this study was measured based on the ability to read hijaiyah letters, pronounce letters and harakat correctly, and write verses of the Qur'an simply. The research method used was descriptive qualitative with data collection through observation, interviews, and documentation. The results of the study showed that structured and sustainable BT Al-Qur'an learning activities had a positive impact on improving the Qur'anic literacy skills of students. Students showed a significant increase in the recognition of hijaiyah letters, accuracy of pronunciation, and the ability to write simple verses. Supporting factors for the success of this activity include interactive teaching methods, the use of interesting learning media, and active support from ustadz and TPQ administrators. This study implies the importance of implementing a systematic BT Al-Qur'an program in improving the quality of understanding and practice of the Qur'an from an early age.

Formulasi sabun mandi cair berbahan alami menggunakan pendekatan liquid soap base: systematics literature review

2025-11-14T08:58:03+00:00

This study systematically reviews the formulation of natural ingredient-based liquid bath soap using a liquid soap base approach through a Systematic Literature Review (SLR) method. The review examines scientific articles from the last five years related to liquid soap formulation with a particular focus on the use of natural active ingredients and their effectiveness. The findings reveal that the incorporation of natural materials such as plant extracts, vegetable oils, and other natural additives offers functional benefits, enhances product quality, and supports sustainability principles. The combination of natural ingredients with liquid soap base provides advantages in terms of gentleness, safety, and added benefits such as antibacterial and antioxidant properties. However, research gaps remain regarding formulation stability and long-term safety assessments, which have not been comprehensively explored.

Strategi sehat mengelola emosi negatif tanpa menyakiti diri sendiri

2025-11-14T08:50:37+00:00

Negative emotions are a natural part of human life that often manifest as feelings of anger, sadness, disappointment, anxiety, or fear. If not managed properly, these emotions can have a detrimental effect on mental and physical health, as well as social relationships. This paper aims to provide an understanding and strategies for managing negative emotions in a healthy and constructive manner so that they do not develop into harmful behaviors, including self-harm. The method used is a literature review with a qualitative approach. The discussion reveals that emotion management can be achieved through three main approaches: psychological (such as deep breathing, meditation, and mindfulness), Islamic (through patience, prayer, remembrance of God, and trust in God), and social (by keeping a feelings journal and seeking social support). These three approaches complement each other in fostering a wiser response to emotional stress. With consistent application, individuals can enhance their emotional resilience and reduce the risk of self-destructive actions

Menimbang keseimbangan hak dan kewajiban antara negara dan warga negara di tengah krisis kepercayaan publik

2025-11-14T08:37:24+00:00

This article discusses the imbalance between the fulfillment of rights and obligations in the relationship between the Indonesian state and its citizens amid a public trust crisis. The state often demands consistent obligations from citizens, such as paying taxes and obeying the law, while at the same time failing to fairly provide basic rights such as legal protection, welfare, and adequate public services. This study uses a qualitative approach through literature study aimed at examining the dynamics of the imbalance and its impact on state legitimacy. The results show that the public trust crisis worsens the gap between state and citizens, and decreases political and social participation. Therefore, efforts to rebuild public trust through institutional reform and civic education are crucial to maintaining national integration.

Makna konseptual dalam metafora pada puisi ‘penguasa dan burung pipit’ karya nizar qabbani : kajian semantik dan stilistika

2025-11-14T08:23:48+00:00

This study aims to reveal the conceptual meaning within the metaphors found in the poem The Ruler and the Sparrow by Nizar Qabbani through a semantic and stylistic approach. The method used is descriptive qualitative, with data collection techniques involving careful reading and detailed note-taking of metaphorical lines in the poem. The analysis was conducted by classifying the types of metaphors based on the theory of Lakoff and Johnson, followed by interpreting the conceptual meaning of each identified metaphor. The results show that the majority of metaphors in the poem fall under the ontological category, with only one classified as structural metaphor. The conceptual meanings embedded in the lines reflect the poet’s experience of oppression, alienation, and criticism of a repressive sociopolitical context. Symbols such as “sparrow,” “tears,” and “broken glass” represent freedom of thought, emotional suffering, and rejection. These findings reinforce the idea that metaphors are not merely aesthetic devices, but convey deep meanings that reflect human reality and experience in a conceptual framework.

Proklamasi 17 agustus 1945: tonggak penegakan hak bangsa indonesia atas kemerdekaan

2025-11-14T07:50:52+00:00

The colonization of Indonesia began with the arrival of Europeans, especially the Portuguese and the Dutch, which led to the establishment of the VOC (Verenigde Oostindische Compagnie) in 1602. The VOC implemented a system of trade monopoly and forced labor that oppressed the Indonesian people. The Dutch also used military force to overcome the resistance that emerged, such as the Diponegoro War (1825-1830) and the Aceh War (1873-1904). In the 20th century, more organized national movements emerged, such as Budi Utomo, Sarekat Islam, and the Indonesian National Party (PNI), which played an important role in fighting for Indonesian independence. The Japanese occupation in 1942 also brought suffering to the Indonesian people, but also provided an opportunity to prepare for Indonesian independence through the establishment of the Investigating Agency for Preparatory Work for Indonesian Independence (BPUPKI). The Indonesian people's resistance to colonialism has been going on for a long time and is an important part of the history of the nation's struggle.

Kaidah fiqih siyasah dalam perubahan hukum.

2025-11-14T07:26:36+00:00

Legal change in fiqh siyasah reflects Islam’s adaptability to time, place, and societal needs. Guided by legal maxims such as “Taghayyur al-fatwa bitaghayyur al-azman wa al-ahwal” and “La yunkar taghayyur al-ahkam bitaghayyur al-azman wa al-amkinah”, Islamic political jurisprudence allows for changes in rulings without compromising Sharia principles. These changes aim to ensure public benefit and uphold the objectives of Islamic law (maqasid al-sharia). This study emphasizes that legal reform must remain within the boundaries of permissibility and not contradict established prohibitions or obligations. The findings highlight the importance of contextual yet principled Islamic legal thought in governance and lawmaking.

Perlindungan hukum data konsumen dalam transaksi digital: tinjauan hukum islam dan hukum positif pada platform shopee

2025-11-14T06:55:40+00:00

Rapid advancements in digital technology, particularly ecommerce platforms like Shopee, have transformed consumer behavior by offering convenience, speed, and product variety. However, these benefits bring significant challenges regarding personal data protection. This article aims to assess legal safeguards for consumer data through the lenses of Indonesian positive law and Islamic law, using a normative and case study approach. Under positive law, Law No. 27 of 2022 on Personal Data Protection defines data subject rights, controller obligations, and imposes administrative and criminal sanctions for violations. Shopee, as a data controller, must uphold principles of transparency, purpose limitation, accuracy, data retention limits, and technical and administrative accountability. From an Islamic law perspective, managing consumer data is seen as a trust (amanah), tied to preserving honor (hifz al-ʿirdh) and wealth (hifz almal), while preventing unjust exploitation. Data usage must uphold justice and prohibited misuse. The analysis reveals implementation gaps and limited consumer awareness, highlighting the need for a holistic legal framework. The integration of statutory regulations and Islamic ethical norms is essential to establish a secure, fair, and sustainable digital ecosystem for consumers.

Aspek hukum perizinan dan legalitas lembaga pendidikan pesantren di indonesia

2025-11-14T06:35:20+00:00

This study examines the legal aspects related to the licensing and legitimacy of Islamic boarding schools (pesantren) in Indonesia, emphasizing the constitutional basis, registration process, and challenges in implementing Islamic boarding school regulations. As the oldest Islamic educational institutions in Indonesia, Islamic boarding schools play a crucial role in enhancing the nation's intelligence and building community character. However, legal developments indicate that Islamic boarding schools have only recently received official recognition through Law Number 18 of 2019 concerning Islamic Boarding Schools and various other related regulations. This study applies a normative juridical method with a statutory and conceptual approach to examine the status of Islamic boarding schools as legal entities. The study's findings indicate that Islamic boarding schools have a solid legal basis within the national education framework, although their implementation still faces bureaucratic challenges, minimal socialization, and cultural resistance among traditional Islamic boarding schools. Therefore, collaboration between the government and Islamic boarding schools is needed to improve the legal management and administration of Islamic boarding schools as an important part of the national education system.

Hak dan kewajiban menurut UUD 1945 bagi warga negara indonesia

2025-11-14T04:29:00+00:00

The rights and obligations of citizens are fundamental pillars in establishing a harmonious national life. Rights such as the right to work, express opinions, and access education must be guaranteed by the state, while obligations like obeying the law, maintaining public order, and participating in national defense must be carried out responsibly. The legal basis for these aspects is enshrined in Articles 27 to 34 of the 1945 Constitution of the Republic of Indonesia. However, in practice, there remains a disparity between the fulfillment of citizens' rights and the performance of their duties. Addressing this imbalance requires a collective commitment from the government, legal institutions, social organizations, and the general public. Fair law enforcement, strengthening non-political institutions, improving public service quality, and raising civic awareness through education are strategic efforts to achieve a comprehensive balance between rights and responsibilities. Achieving this balance is expected to foster a just, orderly, and prosperous social order.

Kewajiban dan hak negara dan warga negara indonesia

2025-11-14T04:07:01+00:00

The reciprocal relationship between the state and citizens is the main foundation of a democratic state system. This article comprehensively discusses the rights and obligations of the state and Indonesian citizens as stipulated in the 1945 Constitution, as well as how they are implemented in the life of the nation and state. The focus of the discussion includes the definition of citizens, the rights and obligations of citizens according to experts, the principle of balance of rights and obligations in Pancasila, as well as the rights and obligations of the state which include government management, natural resources, and legal protection. In addition, this article reviews the role of the legal system and law enforcement agencies in ensuring the protection and enforcement of rights and obligations, as well as the importance of active community participation in overseeing the running of the government. The article also emphasizes that collective awareness of rights and obligations is key to the creation of social justice, national stability and good governance. It is hoped that this article can serve as a reflective and practical basis for building a more just, prosperous and democratic order of state life.

Meningkatkan pemahaman peserta didik tentang dinasti abbasiyah dengan media pop up book

2025-11-14T03:45:34+00:00

This study aims to enhance students' understanding of the Abbasid Dynasty through the use of pop-up book learning media. Using the ADDIE development model, the media was designed with engaging and interactive three-dimensional elements. A trial involving 20 students showed a significant improvement in learning outcomes after using the media. Students also responded positively to the design and effectiveness in delivering the material. The pop-up book effectively addresses the limitations of conventional methods, making history learning more vivid, understandable, and enjoyable. Pop-up books can be used as an alternative learning medium in Islamic history education, significantly increasing student engagement and understanding. Going forward, it is recommended that this type of media be continuously adapted to student needs and characteristics to enhance meaningful learning.

Pengembangan produk puding karakter lucu: inovasi, distribusi, dan analisis kelayakan usaha

2025-11-14T03:23:56+00:00

This study aims to examine how innovations in design and materials can increase the selling value of character pudding products, identify the main challenges in production and distribution, and analyze the costs and benefits in developing this business. The research method used was a descriptive qualitative approach with observation and documentation as data collection techniques. The results showed that design innovations such as the use of popular characters and high-quality materials were able to increase consumer buying interest. The main challenges faced are product shape consistency, durability during distribution, and production cost efficiency. From a financial perspective, the character pudding business has good profit potential if managed with effective marketing strategies and proper cost control. This research contributes to understanding the dynamics of creative culinary businesses, especially among MSME players.

Teknik penerjemahan ujaran sanjungan pada pidato abu ubaidah dalam kanal youtube “arab tutor”

2025-11-14T03:14:03+00:00

This study aims to identify and analyze the translation techniques used in translating compliments in Abu Ubaidah's speech on the YouTube channel “Arab Tutor.” The focus of the study is on how translators convey the meaning of compliments from Arabic into Indonesian. The method used is qualitative descriptive with a content analysis approach, where data is obtained from the speech transcript and its translation. The results of the study indicate that the most dominant translation technique used is the word-for-word and literal technique, with a tendency to maintain the grammatical structure of the source language. In addition, semantic techniques were also found in some of the data, indicating the translator's efforts to capture the meaning more accurately and communicatively.

Hak negara dan hak warga negara di era saat ini

2025-11-14T02:55:55+00:00

Rights are a fundamental aspect of state life, both for the state and citizens. However, in Indonesia there is often an imbalance between the rights of the state and the rights of citizens, which triggers social conflicts and rights violations. Many citizens have not enjoyed a decent life, even though the constitution has guaranteed their basic rights. The lack of understanding of rights is a major factor in violations, both by citizens and by the state. This research aims to raise public awareness about the importance of rights fulfillment, both from the side of the state as a sovereign institution and citizens as part of a democratic system. The method used is descriptive qualitative with a literature study approach, which is sourced from the constitution, laws, and other relevant regulations. The results show the importance of the state performing its functions fairly and transparently in guaranteeing and protecting the rights of citizens, as well as asserting its rights in upholding the law, maintaining national stability, and protecting territorial sovereignty. Equitable fulfillment of rights is the key to creating a just, prosperous and democratic nation.

Penggunaan mobile apps sebagai kewajiban hukum untuk memantik ketertarikan pengguna bank syariah

2025-11-14T02:46:36+00:00

Bank Syriah Indonesia is here to provide convenience for the Indonesian people in transacting according to sharia principles, sales services become very important when competition between banks is getting tighter. Therefore, the development of an information system is very important to facilitate service to consumers. The development of a service system through mobile banking has a reciprocal impact between customers and the bank. The advantages of mobile banking have a general and wide reach, in addition the information presented can be displayed in detail in 1 application. The result of this discussion is the government's regulation in regulating its citizens as BSI customers to use BSI mobile banking, so that over time other citizens will also be interested in significant changes.

Aksiologi : tolak ukur etik dan moral dalam penelitian, penggalian, serta penerapan ilmu

2025-11-14T01:50:06+00:00

Axiology as a branch of philosophy of science plays an important role in providing value direction to scientific activities. This article discusses how axiology becomes an ethical and moral benchmark in the process of research, excavation, and application of science. In a modern world full of technological and information advancements, science is not enough to be judged only in terms of truth and accuracy, but also in terms of social benefits and moral responsibility. Values such as honesty, integrity, justice, and responsibility must be integrated in every scientific stage so that science is not misused and still makes a positive contribution to life. Through an axiological approach, science can be directed to achieve goals that are in line with human values, ethics and sustainability. Thus, axiology becomes an important foundation in shaping a responsible and dignified academic culture.

Siyasah maliyah islamiyah sebagai upaya mitigasi dalam fenomena korupsi

2025-11-14T01:30:30+00:00

Corruption is a multidimensional problem that has serious impacts on national stability, economic inequality, the decline in the quality of public services, and the crisis of public trust in government institutions. In Indonesia, corruption occurs not only at the lower levels of bureaucracy but has also spread to high state institutions. Various positive legal approaches have been implemented, but the results have not been optimal as they have not addressed the root moral and structural issues. This article discusses Islamic fiscal policy (siyasah maliyah Islamiyah) as an integral approach to mitigating corruption. Through normative and contextual approaches, this article explores how Islamic values such as trust (amanah), justice, transparency, accountability, and the system of oversight over officials' wealth can shape clean and effective public financial governance. Additionally, siyasah maliyah also emphasizes the optimization of Islamic social funds (zakat, infak, waqf) as instruments for fair wealth distribution to reduce economic disparities, which are one of the triggers of structural corruption. This study concludes that the implementation of siyasah maliyah Islamiyah can not only strengthen the anti-corruption system institutionally but also build individual moral and spiritual awareness, which is the main foundation for creating a clean, transparent government oriented towards the welfare of the community. Therefore, the integration of these values into contemporary public policy is highly relevant for Muslim countries, including Indonesia, in the effort to realize good governance based on ethical and divine values.

Peran teknologi informasi dalam meningkatkan manajemen risiko di sektor perbankan

2025-11-13T07:34:45+00:00

In today's digital era, technology has become the main foundation in the increasingly competitive business world. Rapid advances in information and communication technology have significantly changed the way organizations operate, interact with customers, and manage various risks that may arise. In this context, risk management and innovation emerge as two important aspects that are interconnected and inseparable. This study will discuss in depth the role of technology in supporting risk management and facilitating innovation, as well as how companies can optimally utilize technology to achieve their long-term goals. Thus, investment in technology and the development of related managerial capabilities are essential to creating an innovative, adaptive, and highly competitive environment. Companies that successfully do this will have a significant competitive advantage and be able to navigate future challenges with greater confidence.

Optimalisasi penghimpunan zakat di era modern: strategi, inovasi, dan implementasi

2025-11-13T06:37:36+00:00

This article deeply examines strategies and innovations in zakat collection in the modern era, which is crucial to ensure the targeted and effective distribution of zakat funds to those who are entitled. In the context of technological advancements and changes in societal behavior, zakat institutions are required to adapt by adopting innovative and relevant collection methods. This article discusses various techniques, approaches, and breakthroughs that can be applied by zakat institutions to optimize zakat collection, including the utilization of digital platforms, social media, and the implementation of automatic payroll systems. Furthermore, this article also highlights the importance of building public trust through transparency and accountability in the management of zakat funds. The analysis includes a study of the Syafi'i school of thought's view on zakat collection by official institutions, challenges in implementing the crowdfunding model, and the potential utilization of big data and artificial intelligence to enhance operational efficiency. This article concludes that the success of zakat collection in the modern era heavily relies on the ability of zakat institutions to innovate, build trust, and collaborate with various parties to achieve the goal of zakat as an instrument for poverty alleviation and equitable welfare distribution.

Shalat dan kesehatan: analisis biomekanika, medis, dan spiritualitas

2025-11-13T05:28:54+00:00

Eksistensi Ilmu Medis dalam Literatur Bahasa Era Salafussaleh

2026-01-14T03:26:49+00:00

This article discusses the existence of medical science in linguistic literature during the Salafus Saleh era, covering the period of Prophet Muhammad (peace be upon him), his Companions, the Tabi’in, and the peak development during the Umayyad and Abbasid dynasties. Islam, as a comprehensive religion, emphasizes health, hygiene, nutrition, and medical ethics grounded in the values of justice, honesty, and public welfare. The approach used in this article is a conceptual analysis of classical and modern literature to describe the evolution and contributions of early Islamic medical scholars. The study shows that medical practice during the Prophet’s era was based on both spiritual and empirical values. During the Umayyad dynasty, the establishment of Bimaristan marked the institutionalization of Islamic medicine, while in the Abbasid era, medicine reached its golden age through the translation of medical texts and the monumental works of scholars such as Ar-Razi, Ibn Sina, and Al-Zahrawi. In conclusion, the development of medical science in Islamic civilization reflects an integration of revelation, reason, and empirical observation, contributing significantly to the advancement of global medical knowledge

Menggali Makna Wirid Setelah Sholat dengan Bahasa Medis

2026-01-15T01:14:41+00:00

Wirid is a recitation of prayers, dhikr, or verses from the Quran that are recited routinely and repeatedly at specific times, usually after the obligatory prayers or in the morning and evening. Recitations of wirid include repeated istighfar (recitation of prayer), tasbih (prayer beads), tahmid (recitation of prayer), takbir (recitation of prayer), and prayers. Besides being a form of worship, wirid also serves as a means of developing the character of patience, sincerity, and positive thinking. Wirid also reduces stress levels, calms the nervous system, and increases inner and emotional calm. Integrating wirid into community health services has the potential to be an effective holistic strategy because it aligns with the religious and cultural values of the community. However, further research is needed to ensure its scientific validity and long-term effectiveness in supporting physical, psychological, social, and spiritual well-being in an integrated manner.

Penggunaan Alat Kontrasepsi dalam Islam dan Implementasinya terhadap Kesehatan Reproduksi

2026-01-14T18:01:59+00:00

The Islamic law on contraceptive use and its implications for reproductive health. In the modern context, contraception is a crucial issue in family planning and public health, yet its use often sparks debate among Muslims. This study outlines the views of Islamic scholars and Islamic legal arguments regarding the permissibility of contraception, emphasizing the principle of maqāṣid al-sharī‘ah, particularly in protecting offspring (ifẓ al-nasl) and maternal health. In general, Islam permits the use of temporary contraception that does not endanger health and is carried out with the consent of the husband and wife, while permanent methods such as vasectomy or tubectomy are permitted only in medical emergencies. This discussion also highlights the positive impacts of contraception, such as reducing maternal and infant mortality and improving family welfare, in addition to the risks of physiological and psychological side effects that need to be anticipated. Thus, contraception in Islam is not a rejection of God's blessings, but rather an effort to maintain family health and well-being. Collaboration between medical personnel, Islamic scholars, and the community is needed to educate about the safe, ethical, and sharia-compliant use of contraception. Contraception can provide benefits such as regulating birth spacing, protecting maternal health, and improving the quality of family life. However, its use also has negative impacts, such as menstrual irregularities, weight gain, and psychological disorders, which must be anticipated. Therefore, contraception must be understood as a legitimate form of Islamic endeavor.

Perbandingan belanja negara dimasa sahabatan umar bin khattab dan pemerintah indonesia saat ini

2025-11-12T07:35:40+00:00

This article examines a comparison between the state expenditure system during the leadership of Caliph Umar bin Khattab and the state budget system in modern-day Indonesia. The study is motivated by the need to understand how the concept of a just and people-oriented public finance system was implemented in early Islamic governance, and how these principles remain relevant to today’s budget management. During Umar bin Khattab’s rule, state spending focused on fulfilling basic societal needs, providing social security, and supporting simple yet functional public infrastructure. The financial system was managed directly, transparently, and with great accountability under exemplary leadership. In contrast, Indonesia’s current state expenditure is implemented through a modern budgeting system governed by the State Budget Law (APBN), with various allocations for sectors such as education, healthcare, infrastructure, and debt financing. Despite its more advanced administrative structure and financial technology, Indonesia still faces major challenges including corruption, bureaucratic inefficiencies, and a lack of effectiveness in budget distribution. This article adopts a descriptive comparative approach to highlight the fundamental differences in fiscal management principles between the two periods and draws essential lessons from Umar bin Khattab’s leadership as a source of inspiration for improving contemporary budget governance. It is hoped that these historical insights can help guide efforts to strengthen fiscal accountability and justice for the public good.

Analisis tindak tutur lagu deen assalam karya sulaiman al mughni: lokusi, ilokusi dan perlokusi

2025-11-12T07:28:41+00:00

This study aims to analyze the form of speech contained in the lyrics of the song “Deen As-Salam” by classifying it into three forms of action, namely locution, illocution, and perlocution. This research uses descriptive qualitative approach. The data was collected through listening, listening and recording methods. Which is then analyzed interactively through the process of data reduction, classification, data presentation and conclusion. The results showed that each lyric contains the meaning of speech acts that contain in the type of illocutionary acts of directive, representative, expressive, and declarative forms. The most dominant type is directive illocutionary speech acts. This song reveals da'wah messages, tolerance values, and social expressions that are unique to continue to be studied. The messages in the lyrics not only convey the teachings of Islam as a religion of love and peace, but also encourage people to live out the values of tolerance, mutual respect, and maintaining peace in social life. The dominant illocutionary acts are directive and assertive, reinforcing the song's function as a medium for preaching and social expression, emphasizing that art can be a means of prophetic expression.

Analisis heuristik, monisme, idealisme, dualisme dan pluralisme: berbagai metode penelitian

2025-11-12T07:02:49+00:00

Thisi research aimsi to explorei and analyze five main philosophical approaches in understanding reality, namely heuristics, monism, idealism, dualism, and pluralism. The heuristic approach is used as an analytical method to critically and openly compare and evaluate these four metaphysical schools of thought. Monism is the view that all of reality consists of one fundamental principle or emphasizes the unity of the essence of everything, while idealism asserts that everything that exists is rooted in consciousness or non-material entities, where this form of idealism, particularly in the form of spiritualism, views consciousness or spirit as the main foundation of reality. On the other hand, dualism is divided into two different substances, namely matter and spirit, attempting toi explaini thei complexityi of the world through the acknowledgment of the existence of two entities that cannot be reduced to one another. Lastly, pluralism acknowledges the diversity of fundamental elements in the structure of reality.

Peran musyrif/ah dalam penanganan masalah kesehatan mental mahasantri : studi kasus di ma’had uin malang

2025-11-12T06:43:08+00:00

In the world of higher education, especially in campus pesantren or Ma'had, the phenomenon of increasing mental health problems among students is a serious concern. Students face many challenges of academics, religious obligations, and social life in a closed environment. As the main companion of the mahasantri in daily life, musirif/ah may play an important role in psychological assistance. Using a qualitative case study method, this research aims to explain the role of musyrif in addressing mahasantri mental health issues. The results showed that musyrifs are not just supervisors; they also function as unofficial counselors, conflict mediators, and emotional support providers. These results increase understanding of the role of non-professionals in community-based psychological support systems and encourage musyrif/ah to get basic counseling training.