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Reconstructing Takaful Participation in Makassar: Integrating Maqāṣid Al-Sharī‘ah, Cultural Embeddedness, and Sociological-Juridical Perspectives Muhammad Hasibuddin; Muhammad Akil; Ardi Ardi; Mira Susfita
Jurnal Ilmiah Al-Syir'ah Vol 23, No 2 (2025)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/jis.v23i2.3881

Abstract

Takaful participation in Makassar remains low despite its role as a regional center for Islamic finance, indicating a gap between institutional development and societal acceptance. Existing studies have not fully explained how maqāṣid al-sharī‘ah values intersect with local socio-cultural structures or how social, cognitive, and legal factors shape participation. This study addresses these gaps by examining these dynamics and proposing a culturally grounded reconstruction model. Using a qualitative sociological-juridical approach, data were collected from 22 informants, including takaful agents, religious scholars, regulators, and policyholders, through semi-structured interviews, observation, and document analysis. Analysis followed the Miles Huberman Saldaña interactive model with triangulation to ensure validity. We employed a maqāṣid-based hermeneutical lens to interpret values such as ḥifẓ al-māl and ḥifẓ al-nafs, as well as taʿāwun, alongside the local cultural ethos of siri’ na pacce. Findings indicate that low participation is not due to resistance to Islamic principles, but rather to a misalignment between formal takaful mechanisms and community-based solidarity norms. The study introduces the Maqāṣid Cultural Embeddedness Model, integrating value reframing, institutional collaboration with religious leaders, and community-oriented micro-takaful design. This model provides conceptual and practical guidance for aligning takaful systems with maqāṣid objectives and the socio-cultural realities of Makassar.
A Local Wisdom-Based Character Education Management for Madrasah Tsanawiyah Pesantren Mizanul Ulum Sanrobone, Takalar Regency S. Surani; Andi Darmawangsa; A. Ardi; Mira Susfita
Golden Ratio of Social Science and Education Vol. 6 No. 2 (2026): June - November
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grsse.v6i2.1946

Abstract

This study aims to develop a local wisdom-based character education management model for MTs Pesantren Mizanul Ulum Sanrobone, Takalar Regency, by examining how Takalar's cultural values can be systematically integrated into curriculum planning, classroom instruction, dormitory activities, and community collaboration. The integration of local wisdom (kearifan lokal) into Islamic educational settings has emerged as a critical priority in Indonesia, where rapid globalization risks displacing indigenous moral frameworks that sustain identity and social cohesion. A Research and Development (R&D) design was employed, incorporating semi-structured interviews, classroom and dormitory observations, surveys, and document analysis. Participants included the school head, five teachers, twenty students, and two traditional cultural leaders, selected through purposive sampling. Qualitative data were analyzed using the Miles and Huberman interactive framework, while quantitative data were examined through descriptive statistics. Results reveal that local wisdom integration within written curriculum documents (RPP) remains low at 32%, whereas informal application in classroom activities (68%) and dormitory routines (74%) is considerably higher. A total of 85% of students found cultural examples helpful for understanding character values, 90% felt stronger connection to the material, and 78% reported increased motivation. However, 40% still experienced difficulty in applying values consistently in daily behavior. All teacher respondents (91%) expressed the need for structured implementation guidelines. Effective character formation requires a comprehensive, ethnopedagogically grounded management model comprising: (1) explicit local wisdom integration in curriculum documents, (2) synergistic classroom and dormitory activities, (3) formal collaboration with traditional cultural leaders, and (4) culturally aligned character assessment. This model contributes to ethnopedagogical theory by positioning local wisdom as an epistemic foundation for character education, while offering practical guidance for pesantren and schools seeking sustainable.