bluuebunny/crossref_metadata_2025 huggingface dataset:
Perkawinan Campuran Dalam Dampak Globalisasi Pada Hukum Keluarga
Authors: Pahutar Agus Anwar , Ritonga Mahyudin , Hanafi Abdul Halim , Siregar Neila Hifzhi
Published: September 2024

Globalization has an impact on various aspects of human life, without exception in the case of marriage, where in this era of globalization mixed marriages have become commonplace. This article therefore explores how different countries deal with the legal issues arising from marriages between citizens of different jurisdictions. The study focuses on analyzing legal regulations and practices related to legal status, citizenship, and child custody in the context of mixed marriages. Through qualitative research that includes a literature review and case analysis, this article discusses the implications of the different regulations in different countries and their impact on the individuals and families involved. From the analysis, it is found that: First, Differences in international family law. Mixed marriages often raise complex legal issues, including differences in marriage, divorce, child custody and inheritance laws, which can vary significantly between countries Second, Citizenship and its legal implications. Citizenship factors have important implications in mixed marriages, affecting everything from legal rights and obligations in different countries, to issues such as child custody and access to social services. Third, social integration challenges. Families in mixed marriages may face challenges of social integration and cultural adaptation, which require sensitive and inclusive approaches from society and government agencies.
Harmoni Multikultural; Keragaman dalam Penyelesaian Sengketa di ASEAN, Uni Eropa dan Liga Arab
Authors: Margolang Fahmi Ihsan , Zahrani Rahma , Sapriliani Syara , Mushlih Taufik
Published: September 2024

This study explores the role of cultural diversity in dispute resolution within ASEAN, the European Union, and the Arab League. Using a qualitative library research method, this study analyzes relevant literature through the lens of multiculturalism and regional integration theories. Multiculturalism emphasizes the importance of cultural recognition, while regional integration theories, such as neo-functionalism and intergovernmentalism, highlight the roles of supranational institutions and member states. The findings indicate that cultural diversity influences dispute resolution approaches in the three organizations. ASEAN prioritizes consensus, the European Union employs legal mechanisms, while the Arab League faces internal political challenges. This study concludes that cultural recognition and robust institutional frameworks are key to effective dispute resolution.
HUBUNGAN MAQASHID AL-SYARIAH DENGAN FILSAFAT HUKUM ISLAM
Authors: Ridwan Muannif , Gusnadi Surya , Kurniawan Aji
Published: September 2024

This study discusses Maqashid al-Shari'ah relationship with the Philosophy of Islamic Law. In ‎the application of Islamic law, it has a purpose for the benefit of every human being and to ‎avoid mankind from evil both in this world and in the hereafter. The ushul fiqh experts have ‎an opinion about five points or elements that humans must guard and maintain in realizing ‎benefit. These five elements include soul, religion, reason, lineage, and property. This ‎research uses the library research method or also known as research that utilizes data and ‎information sourced from the library or also called library research. This study concludes that ‎maqashid al-syari'ah is an indicator in a product of ijtihad. The position of maqashid al-‎Sharia in Islamic law is very important, all problems that are impossible to solve can be done ‎by using maqashid al-syariah, as a means and tool in understanding the Qur'an and Sunnah. ‎The relationship between maqasid al-syariah and Islamic legal philosophy is very close. If ‎viewed based on the essence of maqashid al-syariah has one goal to be achieved by ‎establishing a law for the benefit of the people and maqashid sharia itself is part of the ‎philosophy of Islamic law. In addition, the relationship between Islamic legal philosophy and ‎maqasid al-syariah is to uphold human dignity on this earth. Therefore, in line with this, all ‎philosophies of Islamic law have become a big house which also contains the subject of ‎maqashid al-syariah as a theory that is used to determine and discover the nature, purpose.‎
PRAKTIK NAZAR KOLEKTIF PADA MASYARAKAT KUNTU KABUPATEN KAMPAR
Authors: Penri Oki , Mustafid Mustafid
Published: September 2024

Naghohgi tongue debt is a vow that is done simultaneously (collective vows), usually done because Allah protects the village of Kuntu from the disaster that has struck. So this article examines the Debt of Naghohgi's tongue in terms of Islamic law. And there are two problems in this research, namely how the practice of Naghohgi tongue debt in Kuntu village and how Islam sees it. The type of research is field research with a qualitative approach. The primary data sources are traditional leaders (link mamak), community leaders, religious scholars, and the community, while secondary data is from books, journal articles, and documents deemed necessary. Data collection techniques used interviews and documentation, while data analysis techniques used descriptive analytical techniques. The results of this study show that the implementation of the vows (Naghoghi Tongue Debt) carried out by the Kuntu Village community is a vow that is carried out jointly or collectively by the entire Kuntu community. This vow has been carried out since the ancestral times of the people of Kuntu Village and is very thick with a combination of cultural and religious values. Until now, it is still being carried out and developing. The vows were paid after an evaluation of the vows and an agreement between the Kuntu Village leadership, Ninik Mamak, and Alim Ulama. The vows were carried out for two days and two nights and were solemn and solemn. In terms of Islamic law, the vows (Naghoghi Tongue Debt) carried out by the people of Kuntu Village are not in accordance with the share, because one of the pillars of the vows, namely the subject or person making the vow, is not fulfilled. In worship, it is only considered valid if the pillars and conditions are met.
KEDUDUKAN HUKUM ADAT DALAM HUKUM ISLAM TENTANG PELAKU MAKSIAT TERTENTU
Authors: Putra Dedisyah
Published: September 2024

Adat or al-'adah is the oldest law in human history. Although Islam came after it, it still gives recognition to customs as long as it does not contradict the main principles in Islam called 'adat urf shahih. In both general and specific forms, adat can be used as a basis in Islamic law. This study will discuss the position of customary law in Islam related to certain perpetrators of immorality. This research is descriptive and uses literature sources. The results showed that in Islamic Law such as qisas (the law of retribution) and zina, this rule is not a new rule of law, but has long been in force in the customs of Arab society. The main change made by Islam to qisas was to include the principle of balance in its legal framework. The same goes for adultery. Therefore, there is a relationship between customary law and Islamic law in protecting human dignity in the context of benefit, providing lessons in law enforcement, and preventing people from falling into disrepute.
PERLINDUNGAN HUKUM PEMEGANG POLIS ASURANSI DALAM MEMBAYAR KLAIM ASURANSI
Authors: Anisa Darania , Ariyanti Ovi , Asari Aang , Hidayat Ma’ruf
Published: September 2024

Increasing public awareness and trust in the insurance sector is considered capable of providing protection from various uncertainties during a pandemic. If you look at the performance of the insurance industry, in the third quarter of 2021 the total income for the life insurance industry in Indonesia will reach Rp. 171.4 trillion or a significant growth of 38.7 percent from the 2017 period. However, total claims have decreased from year to year, in 2019 it reached 114 trillion and in 2021 it reached Rp 107 trillion, down 2 percent. So that there are complaints from the public regarding the difficulty of submitting an insurance claim, rejection of claims from insurance companies even though they always pay insurance premiums, of course, this is an important note to resolve. Legal protection is found for the policy holder/insured in the payment of insurance claims, namely if the default insurer does not perform the performance as agreed in the insurance policy, the insured can take legal action in the form of a lawsuit through the court or settlement through the existing mechanism in the insurance policy. And also the obligation of the insurer to the insured is to pay insurance claims in accordance with the amount of coverage stated in the insurance policy.
DISPENSASI NIKAH PASCA PERUBAHAN BATASAN USIA MENIKAH DI PENGADILAN AGAMA (TINJAUAN MASLAHAH MURSALAH)
Authors: Rahmah Nur , Ridho Muhammad
Published: September 2024

Amendments to Law Number 16 of 2019 concerning Marriage focus on the provisions of Article 7 concerning the minimum age limit for marriage to 19 years for men or women. The change in the age limit for marriage has an impact on the high number of applications for marriage dispensation in every religious court. The legal considerations of a Judge in making a Legal Determination/ Decision in an approved Marriage Dispensation Application are crucial to be examined because these considerations do not seem to go hand in hand or reject changes to the marriage age limit. Legal considerations by judges in marriage dispensation cases can be seen in three categories, First, avoiding sin or adultery, Second, because of pregnancy, and Third, adat (larian). The acceptance of the application for Dispensation of Marriage in the three categories is considered on the side of benefit for the prospective husband and wife with the aim of maintaining the status of mother and child, and closing opportunities for the practice of unregistered marriages.The stipulation contains legal certainty, justice and benefits for the parties concerned.
PERJANJIAN PERKAWINAN TRADISI NIKAH ANGKAP SUKU GAYO ACEH DALAM PERSPEKTIF FILSAFAT HUKUM ISLAM
Authors: Wahyudani Zulham , Saepulah Usep , Mansari Mansari
Published: September 2024

Holding a marriage agreement is one of the persuasive efforts in dealing with family challenges. It is negotiated and made before and during the marriage procession by both parties. According to Indonesian law (Article 29 of Law No.1 of 1974 regarding Decision No.69 of 2015 of the Constitutional and Matrimonial Court), the marriage agreement is signed before and during the marriage, both The parties, by mutual agreement, may sign in writing. The agreement is approved by the marriage registrar. However, the traditional marriage contract of the Gayo tribe in Aceh requires the husband to live in the wife's (matrilineal) residence and the husband will not receive any joint property in case of divorce. Therefore, the author interested in figuring out the problem about how is the marriage agreement trough islamic philosophy lense as an effort to achieve tranquility in family life. The conclusion of this study is that the philosophy of Islamic law, in context of marriage agreements in the Angkap marriage tradition, the ontology and episetimology approaches can be used to examine and consider the certainty and benefits of the agreement. Marriage agreements can provide many benefits for couples in marriage, including maintaining financial balance, disputes prevention, protection providing, risk reduction in divorce, as well as efforts to achieve sakinah mawaddah wa rahmah.
KEMODERNAN PENEGAKAN HUKUM ERA PERTAMA ISLAM DITINJAU DARI BUDAYA HUKUM
Authors: Jauhari Dwi Langgeng , Daib Insan Labib Muhammad Alfreda , Muchlis Ahmad
Published: September 2024

One of the obstacles to enforcing Islamic law in Indonesia in particular, there are still many people who view Islamic shari'a as a law that does not meet the elements of justice, not in accordance with this era (not modern). But a close look at Islamic law in particular and Islamic teachings in general do not correspond to what the general public imagines. The Medina Charter is one of the concrete and concrete evidences, how the Prophet had built a civilization that was very advanced beyond the thinking of the people at that time, where Piagama Medina as a prototype of the constitution that exists in modern times today. On the other hand, Prophet Muhammad and his companions had a very good legal culture so that they upheld the awareness of obeying the law and law enforcement. A good legal culture cannot be separated from the role of leaders who always instill religious values accompanied directly by providing good examples to their communities.The Medina Charter and the good legal culture of the Muslim community can already reflect that the Islamic legal system is a modern system and will always be modern.
KADA BALAMPU, MENYISIR SISI TAPIH: EKSPLORASI NILAI ISLAMI DALAM KEARIFAN LOKAL URANG BANJAR
Authors: Lisnawati Lisnawati , Ahmad Sabarudin
Published: September 2024

Indonesia is a rich country. Wealth is not limited to natural products, but also to various ethnicities, languages, religions, beliefs, and customs. According to the Central Bureau of Statistics for ethnic wealth, Indonesia has hundreds of tribal names and even thousands if broken down into sub-tribes. One of the tribes in Indonesia is the Banjar tribe. Urang Banjar is known as a kind, friendly, and religious person. Urang Banjar has cultural values that continue to be sustainable in social life, including Kada Balampu, Sisir Sisi Tapih. Islam has long been a feature of urang Banjar. This article is a normative legal research. A study that using secondary data in the form of primary, secondary and tertiary legal materials. The approach used is sociology and uṣūl fiqh approach. Then analyzed using istihsan theory. The local wisdom of urang Banjar has the same values as Islamic teachings, such as the expression of Kada Balampu, Sisir Sisi Tapih, Rasulullah saw. has warned to be careful in speaking as well as in surah Al-Hasyr [59] verse 18 and Al-Isrā’ [17] verse 36 Allah swt. has ordered that humans evaluate the deeds that have been done and be accountable for how to use hearing, sight, and heart as a form of self-introspection.
HIJAB DIALECTICS AMONG VEILED STUDENT’S AT SYEKH ALI HASAN AHMAD ADDARY STATE ISLAMIC UNIVERSITY
Authors: Ritonga Sylvia Kurnia
Published: September 2024

Discussions related to the veil have always been interesting material on various scientific backgrounds both in social studies, psychology, education, and especially in the study of Islamic law. The veil is a phenomenon that invites various controversies between daily understandings and views of Islamic law. Users themselves sometimes do not understand the legal basis clearly, however, because the urge to use it is stronger than knowledge, they continue to wear it while understanding the legal basis, so that sometimes it becomes a very strong challenge to the wearer. This research is descriptive qualitative research to know the understanding of female students who use the veil against the law in Islamic law. Data collection techniques used observation techniques, interviews, and document studies, however, due to limitations in data acquisition, closed interviews were preferred. The data analysis technique uses data triangulation, namely collection (classification), data display, and analysis (verification). The results of this study indicate that female students' understanding of the law on wearing the veil is classified as low, especially on a basic understanding of the law of the veil. They just understand the context of the definition and the difference between the headscarf, khimar, and veil which are more factual and social. They still rely on social media as a place to study plus studies with their communities. So the researchers concluded that in understanding they still need guidance from various parties, especially the academic community in providing an understanding of the actual veil in the review of Islamic law so that their identity is getting stronger.
PERNIKAHAN USIA DINI DITINJAU DARI HUKUM ISLAM DAN HUKUM POSITIF
Authors: Nasution Wilda Rahma
Published: September 2024

The topic of early marriage is a contentious issue, as there are differing opinions on the rules surrounding it in both Islamic and positive law. While it is considered acceptable in religion, it is seen as a violation of the law. This highlights a difference between the two legal frameworks. To analyze this issue, the research method used involves examining literature and legal documents related to the topic, using a statute approach. The analysis reveals that positive law limits the age of marriage, but there are still exceptions for those who wish to marry before that age. In contrast, Islamic law does not have a minimum age limit. Still, it emphasizes the importance of mental, emotional, and physical maturity in marriage, considering the benefits to the household. Early marriage is not encouraged or supported by Islamic law, particularly if it disregards the well-being of children and the meaning of marriage. Ultimately, Islamic law prioritizes benefits and prohibits early marriage if it has the potential to cause harm.
Integrasi Sifat Mekanik dan Optik yang dimiliki Beton terhadap Pembelajaran Fisika dengan Penerapan Kurikulum Merdeka
Authors: Vioni Herti , Lubis Yenni Khairani
Published: September 2024

The research carried out is related to assessing the use of learning models. The learning model used is the Instructional Design development model on Static Fluid material in Class XI SMA Negeri 1 Batangtoru. This model requires students to be more active in class. The use of this model will be combined with the use of modules as a learning resource, so that it can become an alternative for implementing learning. The aims of this research are 1) to describe learning using modules as an effective learning resource, 2) to describe student activities while using the Instructional Design Development Model in Static Fluid material in Class XI SMA Negeri 1 Batangtoru with modules as a learning resource, 3) to describe the results student learning while using the Instructional Design development model in Static Fluid material in Class Learning Resources.This research is action research which is developmental and pre-eliminary in nature, so it only uses one class. The research design uses Kemmis MC Taggart's cycle model with a One Group Pretest-Posttest Design learning pattern. This research was carried out at SMA Negeri 1 Batangtoru class XI MIPA1, with 34 students. This learning consists of three cycles. The implementation of learning in each cycle uses different syntax, so that you can find out which cycle is most effective. Student learning activities are divided into three stages, Instruction stage, Doing stage, and Evaluating stage. Student learning activities increase in each cycle. Student activities are in the active to very active category. The highest student activity is in cycle 3 with the very active category. Student scores increase from pretest to posttest in each cycle. The highest posttest average score was in cycle 2. The highest n-gain was also in cycle 2 with the medium category. Student learning retention is included in the very strong category. The most effective learning uses the Instructional Design development model in Static Fluid material in Class XI SMA Negeri 1 Batangtoru with modules as learning resources located in cycle 2. Based on the analysis of research data results, it can be concluded that the Instructional Design development model for Static Fluid material in Class XI SMA Negeri 1 Batangtoru with modules as learning resources is suitable for use in Static Fluid material in Class This model can be an alternative learning model implemented by teachers. This research requires thorough preparation, so that further research can be better prepared.
Penerapan Metode STEM pada Proses Pembelajaran Fisika Berbais Pendekatan Saintifik untuk Meningkatkan Keterampilan Berpikir Kritis
Authors: Himsar Himsar , Harahap Fitra Hayati
Published: September 2024

The learning process using one method of learning creates a learning atmosphere of saturation, boredom and tiredness. students become weak and lazy in participating in learning. Students do not understand and are confused when faced with integrated concepts (integrated science, technology, engineering and mathematics material). The integrity and integration of these materials requires a long time to analyze and conclude. This condition of students has an impact on their critical thinking skills being weak, their way of finding solutions to problems is not being able to solve problems. The integrity and integration of science, technology, engineering and mathematics materials requires a high level of critical thinking among students. Researchers provide solutions to these problems by applying STEM methods to physics learning based on a scientific approach. This research can improve students' abilities in the areas of knowledge, attitudes, skills and critical thinking. This research uses PTK with two cycles. The average value for Cycle I is knowledge 65, attitude 67, skills 68 with a KKM of 70. Cycle I has not yet been completed and continues with cycle II, the average value for Cycle II is knowledge 75, attitude 77 and skills 80, meaning that all areas of student ability are above KKM 70, meaning complete. For critical thinking skills, researchers refer to the average score of students on the initial test of 63.66 (value of knowledge, attitudes and skills). In cycle I, the average critical thinking score for students was 68, an increase of 4.34 on the scale or 6.54%. The average critical thinking score of cycle I has not increased sufficiently, so it continues with cycle II. The average critical thinking score for Cycle II students was 75. Cycle II experienced an increase of 11.34 on the scale or 17.8% from the average initial test score of 63.66. with this improvement, the application of STEM methods to the physics learning process based on a scientific approach can improve students' critical thinking abilities.
The Influence of The Whatsapp Application On Students' Ability to Write Procudure Texts
Authors: Huda Rahmat , Lestari Nida
Published: September 2024

The problem formulation in this research is "What is the influence of using WhatsApp in writing procedural texts before and after in class VII MTs Panca Dharma Padang Sidempuan?" Class VII students at MTs Panca Dharma Padang Sidempuan. 2) To determine students' ability to write Procedure Text after using WhatsApp for class VII students at MTs Panca Dharma Padang Sidempuan. In this research the author uses associative research.  Associative research is an attempt to explain and find a description of the two variables, as well as see the influence between the two variables. Based on the results of research carried out by the author using a formula and the calculated value obtained from using the WhatsApp group is = 76, while the calculation without using the WhatsApp group is = 48 with a sample size of 15. Based on the calculation above, the author has found that the results using WhatsApp are greater than without using WhatsApp. Thus, that is = 76 48. From this score, the hypothesis is accepted.
Language Disorders and an Islamic Perspective
Authors: Harahap Muhammad Parwis Halim , Lubis Anita Angraini
Published: September 2024

This article examines language disorders and how the Islamic perspective views them. It is extraordinary that Islam contains all fields of science, and especially linguistics in the focus of this article. Islam does not only focus on studying religious issues but concerns all elements of life, including science. Therefore, this article was written based on the extraordinary nature of Islam in regulating everything.Data processing techniques in research are, by observing, reviewing, recording and collecting relevant data that is in accordance with the object of study in this research. In the use of verbal communication, each of us is equipped with language skills, but these abilities are not always the same, some are normal and some are abnormal. Not only opinions about the relationship between language and thought are discussed by Psycholinguistics/Neurolinguistics experts, religious perspectives also analyze and participate in the study of language and thought. When viewed from a religious perspective, the study of language and thought which was then based on the revelation of the Qur'an led to different interpretations of the meaningful content with the insights of experts from each period. Keywords: Language Disorders, Neurolinguistics, Islamic Perspective
Prabowo Subianto's Representation in the 2019 Presidential Election and 2024 Presidential Election in Mojokdotco Posts on Instagram: Multimodal Discourse Analysis
Authors: Pendri Apri , Nesti Meksi Rahma , Wahyudi M.
Published: September 2024

AbstractThis research is motivated by how Prabowo's figure is represented in the Mojokdotco Instagram account in the context of the 2019 and 2024 presidential elections. Prabowo's representation in this account is of course inseparable from certain aims, objectives and interests. The aim of this research is to compare Prabowo Subianto's personality in Mojokdoco's Instagram posts in the 2019 and 2024 presidential elections using multimodal discourse analysis. Mojokdotco's posts were analyzed using the Kres and Leuween model of multimodal analysis theory. Kres and Leuween's Multimodal Analysis prioritizes analysis on lexical and visual aspects. Lexical aspect analysis will focus on the use of word connotation, overlexicalisation and lexical choices features. Then, visual analysis focuses on the use of participant features, iconography, gaze, composition, setting, distance, salience. The method used in this research is a qualitative method with a descriptive paradigm. This research will focus on revealing the lexical and visual meanings displayed in an infographic about Prabowo. The results of this research are that there is the use of various visual features in Mojokdotco's uploads in the 2019 and 2024 presidential elections about the figure of Prabowo Subianto.Keywords: multimodal discourse analysis; Prabowo; Presidential Elactions.AbstrakPenelitian ini dilatarbelakangi bagaimana sosok Prabowo di representasikan dalam akun Instagram Mojokdotco dalam konteks Pilpres 2019 dan 2024. Representasi Prabowo dalam akun tersebut tentunya tidak terlepas dari maksud, tujuan, dan kepentingan tertentu. Tujuan penelitian ini adalah membandingkan personal Prabowo Subianto dalam unggahan Instagram Mojokdoco pada Pilpres 2019 dan 2024 dengan menggunakan analisis wacana multimodal. Unggahan-unggahan Mojokdotco dianalisis menggunakan teori analisis multimodal model Kres dan Leuween. Analisis Multimodal Kres dan Leuween mengedepankan penganalisisan pada aspek leksikal dan visual. Analisis aspek leksikal akan berfokus pada penggunaan fitur word connotattion, overlexicalisation dan lexical choices. Kemudian, analisis visual berfokus pada penggunaan fitur participant, iconografi, gaze, composition, setting, distance, salience. Metode yang digunakan dalam penelititan ini adalah metode kualitatif dengan pradigma deskriptif. Penelitian ini akan berfokus pada pengungkapan makna leksikal dan visual yang ditampilkan dalam satu bentuk infografis tentang Prabowo. Hasil dalam penelitian ini adalah terdapat penggunaan berbagai fitur visual dalam unggahan Mojokdotco pada Pilpres 2019 dan 2024 tentang sosok Prabowo Subianto.Kata Kunci: analisis wacana multimodal; Prabowo; Pilpres
Determinants of Mobile Banking Use at SUMUT Bank Customer Sharia Branch
Authors: Maarif Muhammad Ariful , Kurnia Rahmat , Farizal Nando , Hidayati Ayu
Published: September 2024

Mobile banking is a bank service that allows customers to transact easily using the available internet network. However, the convenience of this service has not been fully utilized by customers of the Padangsidimpuan Syariah Branch of Bank Sumut. This study aims to determine whether there is an influence of information technology, service features, and convenience on the interest in using Mobile banking partially and simultaneously. The discussion in this study is related to customer interest in using Mobile banking in the field of banking science. The approach taken is theories related to interest in using Mobile banking. This research is a quantitative study using primary data obtained from distributing questionnaires. The population in this study are customers of Bank Sumut Syariah in 2020. Sampling used the Taro Yamane formula so that 99 customers were obtained as respondents.Keywords: Mobile banking, Determine, Shariah Branch.
The Influence of Financial Technology on The Financial Performance of Islamic Banking in Indonesia
Authors: Prihastuti Asepma Hygi , Meteab Mubarak Bazyad Abdullah
Published: September 2024

This study aims to determine the influence of fintech on the financial performance of Islamic banking in Indonesia. This research is quantitative research using secondary data. The data analysis techniques used are descriptive analysis, normality test, panel data model selection through common effect, fixed effect, random effect, panel data model including Chowtest, Hausman test, classical assumption test including multicollinearity, hypothesis autocorrelation test including t-test, coefficient of determination (R2) test, and simple linear regression analysis. The results showed that there is a partial influence of fintech on the financial performance of Islamic banking in Indonesia (ROA). The more the development of fintech services in Islamic banking in Indonesia, the more significant the influence on the performance of Islamic banking in Indonesia (ROA).
The Impact of Online Loans on The Community
Authors: Kadariah Siti
Published: September 2024

The discussion in this study is related to the impact of online lending. Impact on people who do online-based lenajaman. In connection with that, the approach taken is the study and theories of Islamic banking which discusses the impact, online-based loans. This research is a  field research  (direct research in the field) with a qualitative approach. The data sources used are primary data and secondary data, with data collection techniques through observation, interviews, and documentation.The results showed that the factors that cause people in Sipirok District to make  online-based loans, namely the procedure for borrowing money in online-based applications  are  easier to process and faster disbursement of money. The positive of  online-based loans for  people in Sipirok District is that the procedure for borrowing money in online-based applications is  easier to process and quickly disburse money, and their needs or emergency fund needs can be met quickly. While the negative impact is a deduction of administrative money that reaches 30% of the principal money, and an inhumane way of debt collection to consumers who are in arrears of loan installment payments.
Product Marketing Strategy Muamalat Din (Digital Islamic Network) at PT. Bank Muamalat Indonesia Tbk
Authors: Kadariah Siti , Binti Noor Azman Fathi Khalilah
Published: September 2024

The purpose of this study is to determine product marketing strategies using Muamalat DIN (Digital Islamic Network) at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan. to find out the obstacles faced by Bank Muamalat Indonesia Tbk KCU Padangsidimpuan in product marketing strategies using Muamalat DIN (Digital Islamic Network). This research is qualitative research with descriptive methods. The subjects of the study were 2 employees and 4 customers. Data collection techniques are obtained from observation, interviews, documentation. While data analysis techniques include data reduction, data presentation, and conclusions. While the technique of checking the validity of data uses triangulation.The results showed that the product marketing strategy uses Muamalat DIN (Digital Islamic Network) at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan by visiting foundations and the community or prospective customers by conducting direct socialization to introduce products and services available at Bank Muamalat Indonesia Tbk KCU Pangsidimpaun. The obstacle in carrying out marketing strategies from internal factors is the lack of branch offices and crew in marketing strategies while external factors lack customer interest in using it due to age.
SWOT Analysis of The Application of Financial Technology in Mobile Services PT. Bank Syariah Indonesia
Authors: Alfadri Ferri , Surya Eko
Published: September 2024

This research is motivated by problems experienced by BSI Mobile service users. BSI Mobile's frequent request time out errors cause transactions to be hampered, causing inconvenience for customers. This research aims to determine the SWOT Analysis of the Application of Financial Technology in Mobile Banking Services at PT Bank Syariah Indonesia KC Padangsidimpuan. This research was analyzed qualitatively descriptively using the SWOT matrix, IFAS (Internal Factor Analysis Summary) matrix and EFAS (External Factor Analysis Summary) matrix.The research results show that the SWOT Analysis of the Application of Financial Technology in Mobile Banking Services at PT. Bank Syariah Indonesia KC. Padangsidimpuan obtained the coordinate point (1.34 : 1.16). So the position of mobile banking services at PT. Bank Syariah Indonesia KC Padangsidimpuan is in Quadrant 1. This is a profitable situation because it can maximize strengths and take advantage of existing opportunities.
THE INFLUENCE OF PRIMARY SERVICE AND ISLAMIC BUSINESS ETHICS ON CUSTOMER RETENTION PT.BSI KCP SIPIROK ON EMPLOYEES
Authors: Ritonga Kutbiah , Aminah Rizka , Damar Damar
Published: September 2024

There are still many K.H. Ahmad Dahlan Sipirok Islamic boarding school educators who do not use Islamic banks, they do not use Islamic banks because they do not know for sure the programs presented by these banks.  Thus, excellent service and Islamic business ethics can affect customer retention for employees of the K.H Ahmad Dahlan Sipirok Islamic boarding school.  The purpose of this study was to find out whether there is and how much influence excellent service and Islamic business ethics have on customer retention at Pondok Pesantren K.H.  Ahmad Dahlan Sipirok. The discussion in this study relates to marketing strategies in which it discusses excellent service, Islamic business ethics and customer retention.  The approach taken in business ethics is Islamically applied to Islamic banking as a strategy that can affect customer retention. This type of research is quantitative primary data research with a population of all educators and educational staff at Pondok Pesantren K.H.  Ahmad Dahlan Sipirok numbered 44 people. The sample in this study was 44 people who were determined using the saturation sampling technique.  The data analysis technique used to test the hypothesis is multiple linear regression analysis.  The analytical tool used to assist this research is SPSS version 23. The results of the research based on the results of data processing show that there is an influence of excellent service on customer retention at the K.H. Ahmad Dahlan sipirok Islamic boarding school and Islamic business ethics also influences customer retention at the K.H Ahmad Dahlan sipirok Islamic boarding school.  While the F test shows that there is an influence of excellent service and Islamic business ethics on customer retention.
ANALISIS PRODUK PEMBIAYAAN ARRUM BPKB DALAM MENINGKATKAN USAHA MIKRO NASABAH
Authors: Awaluddin Awaluddin , Eka Novianti
Published: September 2024

This research is motivated by the problems of micro-entrepreneurs who have limited capital to improve the business they are running. These problems can result in delays in business development.  Then look at the increase in business being run by micro customers after receiving Arrum BPKB financing at PT Pegadaian Syariah Alaman Bolak. The indicators used as measurements of increasing a business are business assets, business income, and workforce. The formulation of the research problem is the background of the community using BPKB arrum product services, then the mechanism for BPKB arrum financing products at PT Pegadaian Syariah Alaman Bolak, and increasing customer micro businesses after obtaining BPKB arrum financing at PT Pegadaian Syariah Alaman Bolak. The theory presented in this study relates to financing products, financing functions, financing as a tool of international relations, BPKB arrum, benefits and terms of financing BPKB arrum, and micro-enterprise theory along with MSME criteria. This research is a qualitative research with a descriptive method of data sources used are primary data and secondary data.  While the data collection techniques of this study were interviews, observation and documentation, the sampling technique used purposive sampling and snowball sampling. The results of this study concluded that after customers received Arrum financing, the average customer profit increased per month above the initial capital of the customers. Of the 10 customers who did Arrum financing at PT Pegadaian Syariah Alaman Bolak, their profits increased.  They use Arrum's financing funds for business capital and not for consumptive needs, while they use the profit from the sale of their business for future needs. they are limited working capital, in addition to that, human resource management also needs to be improved because the average entrepreneur's education is a high school graduate.  it can be concluded that Arrum's financing has a major influence on micro entrepreneurs, especially for lower and middle micro entrepreneurs.
PERBANKAN SYARIAH DALAM KEWIRAUSAHAAN: PENGARUH KURSUS PEMBELAJARAN KEWIRAUSAHAAN TERHADAP KEMAMPUAN ALUMNI
Authors: Sari Purnama , Aminah Rika
Published: September 2024

The problem in this research is motivated by the large number of unemployed graduates printed by tertiary institutions, including alumni of Islamic banking study programs.  Many college graduates have the mindset of job seekers not job creators and do not understand and are able to manage a business and there are still doubts about starting a business indicating that the ability to manage a business or expertise has not been fully formed so the formulation of the problem in this study is whether there is influence  learning entrepreneurship courses on the ability of alumni of Islamic banking in entrepreneurship and aims to determine the effect of learning entrepreneurship courses on the ability of alumni of Islamic banking in entrepreneurship.  The theory in this study relates to the field of entrepreneurship.  In this regard, the approach taken is theories related to learning entrepreneurship courses, indicators of entrepreneurship learning, entrepreneurial abilities and indicators in entrepreneurship.  This research is a quantitative research, data sources used are primary and secondary data, data analysis used is validity test, reliability test, basic assumption test (normality test, linearity test), hypothesis test (coefficient of determination test (R²), partial test  (t) and simple linear regression test using a statistical tool, namely SPSS version 23. Based on the results of the t test research on the Entrepreneurship Course Learning variable has an effect on the Ability of Islamic Banking Alumni in Entrepreneurship, this is evidenced by a significance value of 0.1 with 0.000  0.1, then Ha is accepted then the results of a simple linear regression analysis of the variable learning entrepreneurship courses with a constant value of 0.684 and the coefficient value of the variable learning entrepreneurship courses is 0.684.
PENGARUH LIABILITAS DAN EKUITAS TERHADAP PERTUMBUHAN BRI SYARIAH TAHUN 2016-2020
Authors: Khairani Wanda , Syah Rahmat , Vebrina Dinda
Published: September 2024

Companies are generally established with the aim of making a profit. Profit growth is influenced by the provision and use of capital properly. If this goes well, it will be able to maximize the profits earned by the company. The company's capital comes from two sources, namely external sources (as liabilities) and internal (as equity). The formulation of the problem in this study is whether there is a partial and simultaneous effect of liabilities and equity on BRI Syariah profits in 2016-2020. This study aims to determine the effect of liabilities and equity partially or simultaneously on BRI Syaraiah's profits in 2016-2020. This type of research is a quantitative research with data sources used are secondary data taken through the website www.brisyariah.co.id as many as 58 samples. The data analysis technique used is descriptive statistical test, normality test, classic assumption test, hypothesis testing and multiple linear regression analysis using SPSS version 23. The partial results of the study (t test) state that the liability variable has tcount ttable (2.328 1.674) and a significance value (0.024) 0.05, so it can be concluded that the liability variable affects earnings. However, the equity variable has tcount ttable (-1.016 1.674) and a significance value (0.314) 0.05, it is concluded that equity has no effect on earnings. The results of the study simultaneously (F test) stated that the liability variable and equity variable had an effect on profit, by comparing Fcount Ftable (3.282 3.17). Based on the results of the coefficient of determination it is known that the value of Adjusted R Square has a value of 0.131 or 13.1%. The Adjusted R Square value shows that the liabilities and equity variables affect profit by 0.131 or 13.1% and the remaining 0.869 or 86.9% is influenced by other variables not discussed in this study.
ANALISIS RASIO SOLVABILITAS UNTUK MENILAI KINERJA KEUANGAN PADA PERUSAHAAN YANG TERDAFTAR DI BEI
Authors: Faizah Iva , Afrizal Yusuf Zainal , Siregar Sulaiman Efendi
Published: September 2024

analisis rasio solvabilitas adalah metode
ANALISIS PENETAPAN PAJAK PENGHASILAN FINAL (PPH) PADA BUNGA DEPOSITO DAN OBLIGASI TERHADAP PERTUMBUHAN INVESTASI
Authors: Fadillah Febriana Eka , Furqon Imahda Khoiri , Furqon Imahda Khoiri
Published: September 2024

Pajak Penghasilan atau PPh adalah pajak yang dipungut atas setiap tambahan nilai ekonomi yang diterima oleh wajib pajak. Baik yang diperoleh di dalam negeri maupun di luar negeri, dapat menambah kekayaan setiap wajib pajak (WP). Wajib pajak bisa perorangan atau badan usaha. Penelitian ini bertujuan untuk mengetahui perhitungan tentang PPh final pada bunga deposito dan bunga obligasi terhadap pertumbuhan investasi. Teknik pengumpulan data yang digunakan pada penelitian ini adalah studi pustaka. Tarif PPh bunga obligasi yang diterima atau diperoleh wajib pajak dalam negeri dikenai PPh yang bersifat final. Sesuai yang tertuang dalam Pasal ayat (2) PP No. 91 Tahun 2021, besar tarif PPh bunga obligasi turun menjadi 10% dari dasar pengenaan pajak penghasilan. Pada bunga deposito diterapkan PPh sebesar 20% pada tahun 2021 dan tahun-tahun selanjutnya.Kata Kunci: PPh, bunga deposito, bunga obligasi, Investasi.
Determinants of Income Inequality in Yogyakarta Special Region Province Viewed from Jasser Auda Maqashid Syari'ah
Authors: Harahap Darwis
Published: September 2024

This study aims to analyze the determinants of income inequality in the province of the Special Region of Yogyakarta in terms of Jasser Auda's maqashid shari'ah. The study was carried out as a quantitative method using secondary data in the type of time series for the 2014-2020 period. The results of the E-views 10 study show positive results on the economic growth variable on income inequality in the DI Yogyakarta province. Then the variables that have no effect on income inequality are population and education. Maqashid syari'ah is a relevant approach as a basis for expanding economic development. The wholeness approach is believed to be better at monitoring the causes and effects of events such as the inequality that occurred in the province of DI Yogyakarta. The government is expected to adopt policies to improve economic stability in the DI Yogyakarta province. This study is expected to be a reference material and information for policy makers in making decisions. For further researchers, they can add related variables from this study in order to add novelty in follow-up studies.
Usury and Bank Interest in the View of Neo Revivalists and Modernists
Authors: Nurjannah Nurjannah , Kara Muslimin , Masse Rahman Ambo , Mubayyin M Afief
Published: September 2024

Al-Maududi and Abdullah Saeed are Muslim scholars. He contributed various thoughts in the field of economics, one of which is related to usury and bank interest. But there are differences of opinion between the two.  The purpose of this study is to look at the views of Al-Maududi and Abdullah Saeed regarding usury and bank interest. The method used is a literature study with a descriptive qualitative approach. Data sources come from secondary data sources, namely journals and books related to the discussion. The result of the research is that Al-Maududi firmly rejects bank interest because the institution is a source of danger and evil through its influence on human character because it is influenced by the love of money. In addition, Al-Maududi stated that there is an element of injustice in bank interest and it is clearly prohibited in Islam. While Abdullah Saeed views the prohibition of usury based on the historical situation and conditions behind the revelation of the verse, so related to bank interest Abdullah Saeed argues that bank interest is not included in usury because the context of usury in ancient times is very much different from usury today.
PROSPECTS AND PROBLEMS OF WAQF IN INDONESIA
Authors: Caniago Muhammad Ali Imran , Satibi Ibi
Published: September 2024

The aim of this research is to describe the prospects and problems of waqf in Indonesia. This research uses descriptive qualitative methods. The research results show that Waqf in Indonesia has quite large potential, in 2022 there will be 440,512 points of waqf land in Indonesia with a total area of 57,263.69 hectares. If these assets are used productively, the potential is very large, around 19.4% of Indonesia's gross domestic product. Apart from that, the potential for cash waqf is estimated to reach 180 trillion rupiah per year. Apart from the great potential, there are problems with waqf in Indonesia, namely: Nadir's low understanding of waqf principles, law, management and Nadir's profession not yet being the main profession are the causes of the low quality of Nadir's waqf in Indonesia. Apart from that, Wakif's limited understanding of the concept, law and objectives of waqf is also part of the problems of waqf in Indonesia. Likewise, low public knowledge about waqf causes waqf assets in the community to not be managed well and productively. Waqf management in Indonesia tends to be traditional, the waqf certification process is complicated, coordination between institutions is weak, the use of waqf assets is not yet productive, government policies and supervision regarding the use of existing assets are not optimal, thus causing conflicts over waqf land.
Digital and Non-Digital Services Influence on Costumers Satisfaction Through Syariah Bank Transactions
Authors: Nst Indah Tri Adisti , Nasution Salman
Published: September 2024

This study seeks to determine the impact of digital services, such as mobile banking, e-commerce, and flexible cashless payments, as well as non-digital services like teller services, customer services, and deposit boxes, on customer satisfaction. Specifically focusing on the university students at Muhammadiyah University of North Sumatera (UMSU), the study employed purposive sampling by selecting FAI students who have used mobile banking and other digital services in Islamic banking. The data analysis was conducted using SPSS through three main steps: instrument test, classical assumption test, and hypothesis test. The findings of this research reveal that both digital and non-digital services have a partial and simultaneous impact on customer satisfaction. In line with these results, Islamic bank digital services were found to be in demand among users. Therefore, banks are encouraged to enhance both digital and non-digital services as a strategic approach to attract more customers and enhance overall service quality.