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All Journal Journal of Artificial Intelligence and Digital Business SAKALIMA: Pilar Pemberdayaan Masyarakat Pendidikan
Wulandari Wulandari
Universitas Islam Negeri Raden Intan Lampung
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Social Sciences

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Crowdfunding Wakaf Uang Dalam Perspektif Ekonomi Syariah: Model Inovasi Keuangan Sosial Untuk Pemberdayaan Ekonomi Umat Wulandari Wulandari
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.8574

Abstract

Studi ini bertujuan untuk menganalisis crowdfunding wakaf uang dari perspektif ekonomi Islam sebagai model keuangan sosial Islam yang inovatif dalam memberdayakan perekonomian masyarakat. Penelitian ini menggunakan metode riset pustaka (library research) dengan meninjau berbagai artikel ilmiah, buku, regulasi, dan laporan resmi yang relevan terkait wakaf uang, crowdfunding syariah, serta keuangan sosial Islam. Hasil penelitian menunjukkan bahwa integrasi wakaf uang dengan platform crowdfunding digital mampu meningkatkan inklusi keuangan melalui perluasan partisipasi masyarakat, transparansi pengelolaan dana, serta efisiensi penghimpunan dana berbasis teknologi. Dana wakaf yang terkumpul dapat dikelola secara produktif untuk mendukung pengembangan usaha mikro dan kecil, sektor pendidikan, layanan kesehatan, serta program pengentasan kemiskinan dengan tetap menjaga nilai pokok aset wakaf sesuai prinsip syariah. Selain itu, crowdfunding wakaf uang juga memperkuat akuntabilitas lembaga pengelola wakaf melalui sistem pelaporan digital yang lebih terbuka dan mudah diakses oleh masyarakat. Model ini mendorong terciptanya pemberdayaan ekonomi yang berkelanjutan dan pemerataan kesejahteraan sosial. Namun demikian, implementasinya masih menghadapi berbagai tantangan, seperti rendahnya literasi keuangan syariah masyarakat, keterbatasan regulasi pendukung, keamanan teknologi digital, serta kapasitas kelembagaan nadzir dalam mengelola wakaf secara profesional. Oleh karena itu, sinergi antara pemerintah, lembaga wakaf, dan masyarakat diperlukan agar crowdfunding wakaf uang dapat berkembang secara optimal dan memberikan dampak ekonomi yang lebih luas.
Pengaruh Model Pembelajaran RICOSRE-FC Terhadap Penalaran Ilmiah dan Self Esteem Peserta Didik Kelas X Pada Mata Pelajaran Biologi di SMA Akbar Handoko; Wulandari Wulandari; Aryani Dwi Kesumawardani; Mazalena Mazalena; Raicha Oktafiani; Nukhbatul Bidayati Haka; Nur Hidayah
SAKALIMA: Pilar Pemberdayaan Masyarakat Pendidikan Vol. 3 No. 1 (2026): January - March | SAKALIMA: Pilar Pemberdayaan Masyarakat Pendidikan
Publisher : WISE Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70211/sakalima.v3i1.427

Abstract

This study aims to analyze the effect of the RICOSRE-FC learning model on the scientific reasoning and self-esteem of Grade X students in Biology. This study was motivated by students’ limited ability to connect Biology concepts with everyday life phenomena, present evidence-based scientific arguments, and demonstrate confidence during the learning process. This study employed a quantitative approach with a quasi-experimental method and a nonequivalent control group design. The population consisted of all Grade X students at SMA Perintis 2 Bandar Lampung in the 2025/2026 academic year, while the sample consisted of class X-3 as the experimental class and class X-4 as the control class, with 32 students in each class selected through cluster random sampling. The research instruments consisted of a scientific reasoning test, a self-esteem questionnaire, observation sheets, and documentation. The data were analyzed using normality tests, homogeneity tests, N-Gain, and an independent samples t-test at a significance level of 0.05. The results showed that the experimental class achieved higher improvement than the control class, with an N-Gain score of 70.067% for scientific reasoning in the high category and an N-Gain score of 70.398% for self-esteem in the high category. The hypothesis test showed a Sig. (2-tailed) value of 0.000 < 0.05, indicating that the RICOSRE-FC learning model had a significant effect on students’ scientific reasoning and self-esteem. This study concludes that RICOSRE-FC is effective in improving students’ cognitive and affective aspects through active, independent, collaborative, and reflective learning. The implication of this study indicates that RICOSRE-FC can be used as an alternative Biology learning model to strengthen scientific reasoning while building students’ confidence in 21st-century learning.
Co-Authors Akbar Handoko Aryani Dwi Kesumawardani Mazalena Mazalena Nukhbatul Bidayati Haka Nur Hidayah Raicha Oktafiani