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Integrasi Literasi Keuangan Syariah dalam Kurikulum Pendidikan Tinggi: Kerangka Integratif Kumaidi Kumaidi; Arna Saskia; Ade Rahayu; Hardiansyah Padli
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.10885

The rapid growth of Indonesia’s Islamic finance industry contrasts with persistently low Islamic financial literacy, particularly among university students as future professionals. This study aims to synthesize existing literature to develop an integrative framework for embedding Islamic financial literacy within higher education curricula, identify multi-level implementation barriers, and propose adaptive strategies aligned with digital transformation. Using a qualitative Systematic Literature Review (SLR), this study analyzes ten peer-reviewed publications published between 2021 and 2025 through content and thematic analysis. The findings indicate that effective integration requires a holistic curriculum design encompassing cognitive, affective, and psychomotor competencies, supported by institutional readiness, lecturer capacity, and multi-stakeholder collaboration. Major barriers emerge at the micro, meso, and macro levels, including superficial digital literacy, limited interdisciplinary expertise among lecturers, fragmented institutional policies, and weak coordination between academia, industry, and regulators. This study demonstrates that digital transformation offers strategic opportunities to strengthen Islamic financial literacy through interactive, experiential, and community-based learning, provided it is accompanied by the development of critical and ethical financial reasoning. The main contribution of this research lies in proposing an integrative framework that connects curriculum design, implementation barriers, and adaptive strategies within a value-based and digitalized education context, offering theoretical and practical implications for higher education institutions and policymakers.

Strategi Pembelajaran SD/MI Ade Rahayu; Dewi Anjarsari; Kumaidi Kumaidi
Jurnal Pendidikan Guru Madrasah Ibtidaiyah Al-Amin Vol. 5 No. 1 (2026): April
Publisher : STAI AL-AMIN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54723/ejpgmi.v5i1.659

Effective learning at the elementary school level requires the selection of instructional strategies that are aligned with students’ developmental characteristics, learning objectives, and educational contexts. This article aims to comprehensively review various instructional strategies relevant to elementary education, including Problem Based Learning, Project Based Learning, Contextual Teaching and Learning, cooperative learning models (Jigsaw, Student Teams Achievement Divisions, Teams Games Tournament, Two Stay Two Stray, and Numbered Heads Together), Inquiry Learning, Discovery Learning, Role Playing, the SAVI approach, and Reward and Punishment. This study employed a literature

PEMBERDAYAAN MASYARAKAT MELALUI PENGOLAHAN KULIT JAGUNG MENJADI PRODUK KERAJINAN BERNILAI EKONOMI DI DESA ASAM KUMBANG KECAMATAN MEDAN SELAYANG Fauziah Nur Hutauruk; Jony Yendra; Ahmad Tondi Ritonga; Kumaidi Kumaidi; Elvika Rahmi; Nazira Novrismi
Jurnal Ilmiah Pengabdian Kepada Masyarakat (Ji-SOMBA) Vol. 5 No. 2 (2026): Jurnal Ilmiah Pengabdian Kepada Masyarakat (Ji-SOMBA)
Publisher : Universitas Imelda Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52943/jisomba.v5i2.2252

Jagung merupakan salah satu komoditas pertanian strategis di Indonesia dengan produksi nasional mencapai lebih dari 23 juta ton per tahun, namun pemanfaatan hasil sampingannya, khususnya kulit jagung, masih sangat terbatas. Limbah kulit jagung umumnya hanya dimanfaatkan sebagai pakan ternak atau dibuang begitu saja, sehingga menimbulkan permasalahan lingkungan sekaligus kehilangan peluang ekonomi yang berharga. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kesadaran masyarakat mengenai potensi ekonomi kulit jagung sebagai bahan baku kerajinan bernilai tinggi, memberikan pelatihan keterampilan teknis pengolahan kulit jagung menjadi produk kreatif; serta mendorong terbentuknya unit usaha berbasis ekonomi kreatif di lingkungan masyarakat Desa Asam Kumbang. Metode yang digunakan adalah pendekatan partisipatif yang mencakup tiga fase utama, yaitu sosialisasi dan edukasi, pelatihan praktik langsung, serta evaluasi dampak. Kegiatan dilaksanakan pada hari Kamis, 30 April 2026, di Desa Asam Kumbang, Kecamatan Medan Selayang, Kota Medan, dengan melibatkan tim pengabdian yang terdiri atas 6 orang. Peserta utama adalah ibu-ibu rumah tangga yang memenuhi kriteria inklusi sebagai kelompok sasaran kegiatan. Hasil kegiatan menunjukkan peningkatan signifikan dalam pengetahuan dan keterampilan peserta dalam mengolah kulit jagung menjadi produk bernilai ekonomi seperti bunga hias, tas anyaman, kotak tisu, buket dan aksesori fashion. Secara keseluruhan, program pengabdian masyarakat ini terbukti efektif dalam meningkatkan kompetensi teknis, kesadaran lingkungan, dan kapasitas wirausaha masyarakat, sekaligus membuka peluang pendapatan tambahan yang berkelanjutan bagi keluarga di wilayah sasaran.

The Transformation of Fiqh and the Implementation of Musyarakah Mutanaqisah as an Instrument of Just Islamic Financing in Indonesia Fitri Yenti; Syukri Iska; Hospi Burda; Kumaidi Kumaidi; Jasri Waldi
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 2 (2026): July - Desember 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i2.17183

This study examines the fiqh transformation of Musyarakah Mutanaqisah as a Sharia-based financing model in Indonesia by assessing the alignment between fiqh theory, the DSN–MUI fatwa, and banking practices. Although Musyarakah Mutanaqisah is conceptually grounded in partnership, gradual ownership, and risk sharing, its implementation across Islamic banks demonstrates a persistent tendency to resemble conventional credit structures, particularly through fixed rental margins, limited transparency, and weak risk-sharing mechanisms. This research employs a library-based qualitative approach using a normative–maqasidi framework combined with critical–empirical analysis. The findings indicate that the reconstruction of Musyarakah Mutanaqisah must be oriented towards the substantive realisation of Maqasid al-Shariah, particularly justice, public interest, and the protection of wealth. Reformulation is required in contractual structures, accounting systems, Sharia supervision, and the integration of sustainability values. Accordingly, Musyarakah Mutanaqisah holds the potential to evolve into a more equitable, transparent, and welfare-oriented Sharia financing instrument.

Reconstruction of the Concept of Classical Muamalah Fiqh Contracts as a Foundation for Innovation in the Modern Islamic Financial Industry Kumaidi Kumaidi; Syukri Iska; Fauzani Fauzani; Fitri Yenti; Jasri Waldi
Suluah Pasaman Vol 4 No 2 (2026): On Progress
Publisher : Sekolah Tinggi Agama Islam YDI Lubuk Sikaping

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70588/suluahpasaman.v4i2.1214

The rapid development of the Islamic financial industry in the digital era demands a conceptual reconstruction of classical Islamic financial contracts to ensure their relevance as a foundation for innovation in modern Islamic financial products. This study aims to analyze the relevance of classical contracts in contemporary Islamic financial products, identify shifts in contract implementation due to digitalization and fintech sharia, evaluate the suitability of the implementation of contracts with the principles of al-sharī'ah, and formulate a conceptual model for adaptive contract innovation that is still based on muamalah jurisprudence. The method used is qualitative with a qualitative approach. Library research, using content analysis techniques, comparative analysis, and normative interpretation based oninyesūl al-fiqh. The results of the study show that classical contracts such asjamḥah, inḍārabah, musyārakah, pilgrimage, wait, regards, and hotyesthehas sufficient normative elasticity to accommodate digital financial innovation, but their implementation still experiences many distortions that are contrary to the substancepoetyesid al-sharī'ahThis research formulates a conceptual model of contract innovation based on four pillars: adaptive normative reinterpretation, integration of Sharia-based technology, reconstruction of equitable risk distribution, and strengthening of Sharia governance. This model offers a framework that can synergistically and sustainably bridge the authority of classical Islamic jurisprudence texts with the pragmatic demands of the modern Islamic financial industry

Integrasi Literasi Keuangan Syariah dalam Kurikulum Pendidikan Tinggi: Kerangka Integratif Kumaidi Kumaidi; Arna Saskia; Ade Rahayu; Hardiansyah Padli
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.10885

The rapid growth of Indonesia’s Islamic finance industry contrasts with persistently low Islamic financial literacy, particularly among university students as future professionals. This study aims to synthesize existing literature to develop an integrative framework for embedding Islamic financial literacy within higher education curricula, identify multi-level implementation barriers, and propose adaptive strategies aligned with digital transformation. Using a qualitative Systematic Literature Review (SLR), this study analyzes ten peer-reviewed publications published between 2021 and 2025 through content and thematic analysis. The findings indicate that effective integration requires a holistic curriculum design encompassing cognitive, affective, and psychomotor competencies, supported by institutional readiness, lecturer capacity, and multi-stakeholder collaboration. Major barriers emerge at the micro, meso, and macro levels, including superficial digital literacy, limited interdisciplinary expertise among lecturers, fragmented institutional policies, and weak coordination between academia, industry, and regulators. This study demonstrates that digital transformation offers strategic opportunities to strengthen Islamic financial literacy through interactive, experiential, and community-based learning, provided it is accompanied by the development of critical and ethical financial reasoning. The main contribution of this research lies in proposing an integrative framework that connects curriculum design, implementation barriers, and adaptive strategies within a value-based and digitalized education context, offering theoretical and practical implications for higher education institutions and policymakers.

Integrasi Maqasid Al-Shariah dan Good Governance dalam Manajemen Fiskal Syariah : Implikasinya Terhadap Pembangunan Berkelanjutan di Indonesia Rina Anggraini; Junaidi; Kumaidi
Krigan: Journal of Management and Sharia Business Vol. 3 No. 2 (2025): Desember 2025
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v3i2.10239

Penelitian ini mengembangkan dan menguji secara empiris model Manajemen Fiskal Syariah (MFS) integratif dalam kerangka pembangunan ekonomi berkelanjutan, yang berlandaskan Maqasid al-Shariah dan kebijakan publik berbasis Good Governance. Penelitian ini mengisi celah empiris terkait keterkaitan instrumen fiskal syariah dengan pencapaian Sustainable Development Goals (SDGs) melalui mekanisme tata kelola yang etis. Dengan menggunakan pendekatan kuantitatif eksplanatori, penelitian ini menerapkan model mediasi ganda, di mana Good Governance dan Maqasid al-Shariah berperan sebagai variabel mediator dalam hubungan antara MFS (zakat) dan SDGs. Analisis menggunakan data panel provinsi periode 2015–2024 yang bersumber dari lembaga resmi seperti BAZNAS, BWI, Bappenas, DJPPR, dan BPS, dengan Sumatera Barat, Riau, dan Jawa Barat sebagai unit studi representatif. Data dianalisis menggunakan SEM–PLS (SmartPLS 4) dan diperkuat dengan regresi panel mediasi untuk memastikan kestabilan hubungan antarwilayah dan antarwaktu. Hasil penelitian menunjukkan bahwa MFS secara signifikan meningkatkan Good Governance, yang selanjutnya memperkuat realisasi Maqasid al-Shariah dan berdampak pada peningkatan capaian SDGs. Selain itu, MFS juga memiliki pengaruh langsung yang signifikan terhadap SDGs. Temuan ini mendukung teori Islamic Fiscal Governance dan menegaskan peran strategis instrumen fiskal syariah dalam mendorong keadilan distributif, kualitas tata kelola, dan keberlanjutan pembangunan.

Tabuik Ritual in Pariaman: Islamic Acculturation and Local Culture through the Perspective of al-'Urf Kumaidi Kumaidi; Rahmat Hidayat; Hardiansyah Padli; Jamilus Jamilus; Arna Saskia
Alhurriyah Vol 11 No 1 (2026): June 2026
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/al-hurriyah.v11i1.10980

This study examines the acculturation between Islamic values and Minangkabau local culture in the Tabuik ritual in Pariaman through the perspective of al-'urf in usul al-fiqh. Historically rooted in the Shia tradition, the Tabuik ritual has undergone transformation along three dimensions, namely theological, social-functional, and symbolic, since the nineteenth century, developing into a cultural identity of the Sunni community in Pariaman. Theologically, its grounding in martyrdom has been reframed as a moral commemoration of resistance to injustice. Socially, a minority sectarian practice has developed into a community-wide tradition emphasizing solidarity, mutual cooperation, and gotong royong. Symbolically, the replica of Husain's tomb has been reconstituted as an icon of communal identity. This study employs a narrative literature review with a qualitative approach to analyze the elements of the Tabuik ritual based on the classification of urf sahih and urf fasid and assess the legitimacy of its practices under Islamic law. The findings indicate that the social dimensions of the ritual, including communal solidarity, mutual cooperation, and collective identity, can be categorized as urf sahih because they support the objectives of maqasid al-shariah. Conversely, practices involving beliefs in material blessings or supernatural powers with ritual objects tend to fall within urf fasid because they may conflict with the principle of tawhid. The discourse between puritan and cultural groups reflects tensions over Tabuik. This study contributes to understanding the flexibility of Islamic law in accommodating cultural diversity through selective and normative evaluation.

Genealogi Jaringan Intelektual Ekonomi Islam: Interkoneksi Ulama, Institusi, dan Transformasi Pemikiran Era Klasik hingga Kontemporer Kumaidi Kumaidi; Syukri Iska; Fauzani Fauzani; Jasri Waldi; Fitri Yenti
Al-Buhuts Vol. 22 No. 1 (2026): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v22i1.8090

This article is a conceptual paper based on historical-genealogical literature review that aims to build an intellectual genealogy model of Islamic economics. Previous studies have tended to address figures, institutions, or research trends separately (see e.g. single-figure studies, bibliometric studies, or historical studies of educational institutions), so there is no framework that brings these three elements together in a single analytical model. Based on a critical synthesis of 15 selected sources through the PRISMA protocol, this study offers a major contribution in the form of a triadic layered genealogy model that connects (1) the scholarly sanad of three influential classical scholars Al-Ghazali, Ibn Khaldun, and Ibn Taymiyah as a network that complements each other despite different emphasis (individual ethics, social dynamics, and state regulation); (2) Islamic educational institutions, from halaqah and madrassas to modern Islamic universities, as the node of transmission that most determines the sustainability of ideas across generations; and (3) adaptive transformation mechanisms through instruments such as waqf and shariah governance, which on the other hand are vulnerable to being distorted by neoliberal financialisation and epistemic hegemony, including halal-washing practices. Given that the scope of the study is limited to 15 selected literature, these findings are intended as an initial conceptual model, rather than a comprehensive generalization across eras and regions. This model is expected to be a foothold for the development of a curriculum based on intellectual genealogy and the strengthening of epistemological criticism of the commercialization of contemporary Islamic economics.

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