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All Journal Amal: Jurnal Ekonomi Syariah Multidisciplinary Indonesian Center Journal
Muhammad Putra Aprullah
MAN 1 Banda Aceh
Religion Humanities Earth & Planetary Sciences Economics, Econometrics & Finance Education Other

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Islamic Social Finance for Inclusive Growth in Indonesia: A Systematic Review of the Evidence, Synthesized Frameworks, and Future Research Directions Muhammad Putra Aprullah; Raida Fuadi; Rita Meutia; Indrayani; Muhammad Sayuthi; Agus Adria; Salsabilla Julnadi; Zahara
AMAL: Jurnal Ekonomi Syariah Vol. 8 No. 1 (2026): Juni
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v8i1.13514

Abstract

Indonesia faces multidimensional challenges to escape the middle-income trap and achieve high-income status by 2045. Despite relatively stable economic growth (averaging 4.9% from 2000 to 2022), poverty reduction has stagnated at around 10 %, indicating that conventional economic growth is insufficiently inclusive. On the other hand, Indonesia, with the world's largest Muslim population and ranked first in the 2021 World Giving Index, has tremendous potential for developing Islamic Social Finance (ISF). This article uses a Systematic Literature Review (SLR) method to critically analyze the strategic role of ISF instruments—particularly Zakat, infaq/sedakh, and waqf—in accelerating poverty alleviation, reducing inequality, and supporting inclusive economic development in Indonesia. The study revealed that the estimated national zakat potential of IDR 327 trillion could fund up to 76% of the government's social protection budget. Meanwhile, cash waqf offers a sustainable social investment model for long-term financing in the education, health, and MSME empowerment sectors. However, the optimization of ISF remains hampered by challenges in literacy, governance, transparency, and policy integration. This study concludes that ISF is not merely a philanthropic instrument, but rather a powerful complementary policy to strengthen the government's fiscal policy towards achieving a sovereign and equitable Golden Indonesia 2045.
INTEGRATING ARTIFICIAL INTELLIGENCE INTO COLLABORATIVE LEARNING TO FOSTER 21ST-CENTURY SOFT SKILLS: EVIDENCE FROM A BEST PRACTICE STUDY IN MAN 1 BANDA ACEH Muhammad Putra Aprullah; Muhammad Sayuthi; Salsabilla Julnadi; William Ben Gunawan; Indrayani Indrayani; Raida Fuadi; Zahara Zahara; Agus Adria
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 1 (2026): Vol. 3 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i1.1888

Abstract

This best practice study aims to develop 21st-century soft skills in students at MAN 1 Banda Aceh through the implementation of an artificial intelligence-based collaborative learning model called KOTAK (Artificial Intelligence-Based Brain Collaboration). The study used a qualitative case study design with 39 students. Data collection was conducted through learning observations, interviews, and analysis of student activities and learning outcomes in the Integrated Economic Exploration material. The KOTAK model was designed by integrating various easily accessible AI tools, such as Google Lens, ChatGPT, and QuestionWell, to support interactive, collaborative, and problem-solving-based learning. The results showed that implementing the KOTAK model significantly improved students' critical thinking, communication, collaboration, and creativity (4C) skills. Analysis of learning outcomes indicated a 94.87% absorption rate and achievement of the curriculum objectives for the taught material. The use of the AI platform has proven to be an effective interactive medium for encouraging active student engagement, strengthening higher-order thinking, and fostering collaboration in problem-solving. This research makes an original contribution by offering and testing a contextual learning model that integrates collaborative pedagogy and AI technology in a madrasah environment, while also presenting a practical framework for developing 21st-century skills in integrated subjects such as Economics, in line with the implementation of the Merdeka Curriculum.
Co-Authors Agus Adria Agus Adria Indrayani Indrayani Indrayani Indrayani Muhammad Sayuthi Muhammad Sayuthi Raida Fuadi Raida Fuadi Rita Meutia Salsabilla Julnadi Salsabilla Julnadi William Ben Gunawan Zahara Zahara Zahara