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INVESTASI BAGI HASIL DALAM EKONOMI MIKRO ISLAM Hendra Hendra; San Putra; Hadi Gunawan
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 5, No 1 (2026): Jan 2026
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v5i1.28038

Abstract

Profit-sharing investment represents a cornerstone of Islamic microeconomics, embodying principles of justice, risk sharing, and ethical financial participation. This study aims to analyze the implementation, challenges, and optimization strategies of profit-loss sharing (mudharabah and musyarakah) contracts in microeconomic contexts. Employing a qualitative descriptive-analytical approach, data were collected from secondary sources, including scholarly articles, books, and institutional reports published within the last five years. The findings indicate that while profit-sharing investment has significant potential to empower micro-entrepreneurs and promote financial inclusion, its practical implementation is constrained by institutional limitations, information asymmetry, risk aversion, and regulatory ambiguity. Successful application of profit-sharing mechanisms depends on transparency, participatory monitoring, financial literacy, and supportive social and legal frameworks. The study also identifies strategic pathways to optimize profit-sharing investment, such as institutional capacity building, technological adoption, and policy interventions. Overall, profit-sharing investment can serve as an effective, inclusive, and ethically grounded tool in Islamic microeconomics, provided that both institutional and socio-cultural conditions are adequately addressed.
The Implementation of Language Month Activities in the Optimization of Students’ Literacy At SMA IT Al-Fityah Binjai Indonesia Rayyan Dina Amaliya; Robin Sirait; Hadi Gunawan; San Putra
International Journal of Islamic Education, Research and Multiculturalism (IJIERM) Vol 8 No 1 (2026)
Publisher : The Islamic Education and Multiculturalism Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47006/ijierm.v8i1.699

Abstract

Abstrak Penelitian ini bertujuan menganalisis implementasi kegiatan Bulan Bahasa dalam mengoptimalkan literasi siswa di SMAIT Al Fityah Binjai, Sumatera Utara, Indonesia pada jenjang Sekolah Menengah Atas (SMA). Berbagai penelitian telah membahas penguatan literasi di sekolah, namun kajian yang secara khusus menelaah pengelolaan program Bulan Bahasa sebagai strategi terstruktur dalam pengembangan literasi produktif di lingkungan Sekolah Menengah Atas Islam Terpadu masih terbatas. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa penerapan fungsi manajemen yang meliputi perencanaan, pengorganisasian, pelaksanaan, dan pengawasan berperan dalam meningkatkan keterlibatan siswa dalam kegiatan literasi yang dirancang secara sistematis. Pelaksanaan program tersebut mendorong siswa untuk aktif membaca, menulis, serta mengembangkan kemampuan mengemukakan gagasan secara terarah sebagai bagian dari penguatan literasi produktif. Secara konseptual, temuan ini menegaskan bahwa pengelolaan program bahasa berbasis sekolah yang dilakukan secara terstruktur dapat menjadi strategi efektif dalam membangun budaya literasi yang berkelanjutan pada jenjang Sekolah Menengah Atas Islam Terpadu. Penelitian ini memberikan implikasi bahwa model manajemen program yang terencana dan terintegrasi dapat menjadi rujukan bagi pengembangan literasi produktif di sekolah menengah atas lainnya. Kata Kunci: Bulan Bahasa; Literasi Produktif; Manajemen Program Sekolah; Budaya Literasi; Sekolah Menengah Atas Islam Terpadu. Abstract This study aims to analyze the implementation of Language Month activities in optimizing students’ literacy at SMAIT Al Fityah Binjai, North Sumatra, Indonesia at the Senior High School (SMA) level. Although various studies have discussed literacy enhancement in schools, research that specifically examines the management of Language Month programs as a structured strategy for developing productive literacy in Integrated Islamic Senior High Schools remains limited. This study employed a descriptive qualitative approach with data collected through observation, interviews, and documentation. The findings indicate that the application of management functions, including planning, organizing, implementation, and supervision, plays a role in increasing student engagement in systematically designed literacy activities. The implementation of the program encourages students to actively read, write, and develop the ability to express ideas in a structured manner as part of strengthening productive literacy. Conceptually, these findings affirm that structured school-based language program management can serve as an effective strategy for building a sustainable literacy culture at the Integrated Islamic Senior High School level. This study implies that a well-planned and integrated program management model can serve as a reference for the development of productive literacy in other senior high schools. Keywords: Language Month Program; Productive Literacy; School Program Management; Literacy Culture; Integrated Islamic Senior High School.