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Kegagalan Pasar dan Regulasi dalam Perspektif Ekonomi Syariah Ilham, M.; Suryadi, Nanda
Jurnal Pendidikan Tambusai Vol. 9 No. 2 (2025): Agustus
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v9i2.28892

Abstract

Kegagalan pasar merupakan permasalahan kompleks yang disebabkan oleh berbagai faktor struktural, teknis, dan moral. Dalam sistem ekonomi konvensional, kegagalan ini biasanya diatasi melalui regulasi pemerintah dan intervensi pasar, namun seringkali belum mampu menyentuh aspek moral dan spiritual yang mendasarinya. Pendekatan ekonomi Islam menawarkan solusi yang lebih menyeluruh dengan menempatkan nilai-nilai keadilan, etika, dan keseimbangan sebagai landasan utama. Melalui prinsip-prinsip syariah seperti larangan riba, gharar, dan maysir, serta penegakan konsep maqāṣid al-sharīʿah, ekonomi Islam bertujuan memperbaiki ketidakadilan, melindungi hak-hak individu, dan memastikan keberlanjutan sosial serta lingkungan. Pendekatan ini mengintegrasikan aspek moral dan spiritual dalam pengelolaan pasar sehingga mampu mengatasi solusi teknis yang belum memadai dalam sistem ekonomi konvensional. Oleh karena itu, keberhasilan mengatasi kegagalan pasar sangat bergantung pada penerapan nilai-nilai moral dan spiritual yang menjadi fondasi dalam sistem ekonomi syariah.
Analisis Komparatif Kualitas Pelayanan pada Pengguna Aplikasi Pegadaian Syariah Digital dan Manual pada Pegadaian Syariah UPS Simpang Rumbai Ilham, M.; Syahpawi, Syahpawi; Rinaldi, Afdhol; Johari, Johari
Jurnal Pendidikan Tambusai Vol. 9 No. 2 (2025): Agustus
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v9i2.29829

Abstract

PT Pegadaian (Persero) cabang syariah merupakan lembaga keuangan non-bank yang menawarkan layanan sesuai prinsip syariah. Penelitian ini membahas Analisis Komparatif Kualitas Pelayanan pada pengguna Aplikasi Pegadaian Syariah Digital dan manual di Pegadaian Syariah UPS Simpang Rumbai, yang menyediakan dua bentuk pelayanan: digital melalui aplikasi dan manual di outlet. Kualitas pelayanan diukur berdasarkan lima dimensi: kehandalan, daya tanggap, jaminan, empati, dan bukti fisik. Penelitian kuantitatif ini menggunakan data primer yang dikumpulkan melalui angket dari 200 responden (100 pengguna aplikasi dan 100 pengguna manual). Analisis mencakup uji validitas, reliabilitas, dan Independent Samples T-Test. Hasil uji menunjukkan bahwa rata-rata kualitas pelayanan aplikasi adalah 58,34, lebih rendah dibandingkan layanan manual yang mencapai 65,70. Dengan nilai signifikansi 0,000 < 0,05 dan t hitung (10,699) > t tabel (1,984), H0 ditolak, menunjukkan adanya perbedaan signifikan antara kualitas pelayanan aplikasi Pegadian Syariah Digital dan manual di Pegadaian Syariah UPS Simpang Rumbai.
CONTEMPORARY THEOLOGICAL ISSUES IN URBAN SOCIETY: A REVIEW OF QASIM MATHAR'S ISLAMIC THOUGHT AND HIS CONTRIBUTION TO BUILDING THEOLOGICAL AWARENESS IN MAKASSAR, SOUTH SULAWESI Barsihannor, Barsihannor; Tahir, Gustia; Ilham, M.; Nasiha, Irenna
AKADEMIKA: Jurnal Pemikiran Islam Vol 30 No 1 (2025)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/akademika.v30i1.9948

Abstract

Due to the rapid development of information technology, the world is increasingly open. This causes the people of the world be intensely connected to each other. The diversity of cultures, beliefs, and religious practices is becoming more open. If society is not educated about the importance of diversity awareness, then conflict can occur. This study discusses the thoughts of Moh. Qasim Mathar on contemporary theological issues and his contribution to building theological awareness in the city of Makassar. The data collection method was carried out through an in-depth study of his thoughts (content analysis) which were published periodically in the mass media through the Jendela Langit column in the Fajar Newspaper, as well as through in-depth interviews with a number of sources. The results of the study confirm that Qasim Mathar offers valuable insights into the importance of building an inclusive theology and maintaining pluralism in the midst of urban society to ensure the presence of harmony and coexistence of pluralistic, heterogeneous, and dynamic urban society. This study also reveals how Qasim Mathar's thoughts contribute to presenting theological awareness in the midst of urban society. The presence of religious dialogue spaces in several institutions such as in MUI, Postgraduate Program, Cadar Garis Lucu Community, House of Philosophy, and Matahari Islamic Boarding School Foundation is the real evidence of Qasim Mathar's contribution to urban society. The findings of this study indicate that Mathar's thoughts provide a framework for understanding the flexibility and resilience of theology in facing modern challenges, and highlight the importance of contextualizing religious values in the socio-cultural realities of urban society.
Wawasan Hadits tentang Kepemilikan dan Penggunaan Harta dalam Ekonomi Islam Syauqi, Muhammad; Ilham, M.; Supiyani, Ahmad
Kompeten: Jurnal Ilmiah Ekonomi dan Bisnis Vol. 3 No. 6 (2025): Mei 2025
Publisher : PT Seval Literindo Kreasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57141/kompeten.v3i6.184

Abstract

Islam adalah agama yang sempurna yang mencakup semua aspek kehidupan manusia. Harta dalam sistem ekonomi Islam memiliki kedudukan yang penting. Dalam maqashid syariah, yaitu menjaga harta, ini adalah tujuan Allah dan tujuan agar memberikan manfaat kepada manusia untuk digunakan sebagai pedoman dalam berbisnis dan bermuamalah. Penggunaan harta dalam ajaran Islam harus selalu dalam kerangka beribadah kepada Allah dan digunakan dalam konteks taqarrub (mendekatkan diri) kepada Allah.Metode kegiatan yang dilakukan adalah dengan pendekatan tinjauan pustaka dengan mengkaji hukum normatif syariah yang bersumber dari Al-Qur'an dan kemudian diperkuat dengan hadits hadits mengenai konsep kepemilikan dan penggunaan harta dalam ekonomi Islam.Menurut mayoritas ulama, harta adalah sesuatu yang memiliki nilai, wajib diganti bagi yang merusaknya, dan diperbolehkan oleh syariah untuk digunakan ketika tidak dalam keadaan darurat. Dengan demikian, sesuatu yang tidak memiliki nilai di antara manusia dan tidak diperbolehkan oleh syariah tidak dianggap sebagai harta. Kepemilikan adalah hukum syara' yang berlaku pada objek atau manfaat tertentu, yang memungkinkan siapa saja yang mendapatkannya untuk memanfaatkan barang tersebut serta memperoleh kompensasi dari barang tersebut.
Analisis Dispersi Karbon Monoksida (CO) pada Udara Ambien di Simpang Tiga Pal Merah Herawati, Peppy; Suzana, Asih; Ilham, M.
Jurnal Ilmiah Universitas Batanghari Jambi Vol 25, No 2 (2025): Juli
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jiubj.v25i2.6286

Abstract

This study aims to analyze CO concentration, CO concentration rate, and its distribution pattern in the Palmerah Three-Way Intersection area of Jambi City. The research method used is descriptive quantitative with measurements at three sampling points (Points I, II, and III) each 100 m from the Traffic Signal Device (APILL). The measurement results showed the highest CO concentration of 8,991 µg/Nm³ occurred at Point II on Tuesday Afternoon, Points II and III on Thursday Afternoon, and Points I and II on Saturday Afternoon. The lowest concentration was recorded at 2,247 µg/Nm³ at Point II on Tuesday Morning. These results indicate that traffic congestion contributes significantly to the increase in CO concentration in ambient air, so mitigation efforts such as traffic management and increasing green open spaces are needed to reduce the impact of air pollution in urban areas.
Project-Based Learning Model Improves Mathematics Outcomes of Grade IV Students: Model Pembelajaran Berbasis Proyek Meningkatkan Hasil Belajar Matematika Siswa Kelas IV Ilham, M.; Hidayat, Puput Wahyu; Aprizan, Aprizan
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11889

Abstract

General Background: Education in elementary schools forms the foundation of human resource development, yet mathematics often becomes a major challenge due to students’ limited understanding of abstract concepts. Specific Background: At SDN 027/II Sungai Arang, nearly half of the fourth-grade students failed to reach the minimum competency score in fractions, caused by monotonous, teacher-centered methods and low engagement. Knowledge Gap: While the Indonesian Kurikulum Merdeka promotes student-centered, project-based learning, its empirical implementation in rural schools with limited resources remains underexplored. Aims: This study aimed to improve mathematics learning outcomes in fractions through the application of the Project-Based Learning (PjBL) model. Results: Conducted as Classroom Action Research in two cycles, the study revealed improvements in teacher performance (from 77.27% to 100%), student engagement (increase in highly active students from 6 to 12), and learning outcomes (mastery rising from 64% to 84%). Novelty: Unlike previous studies in better-equipped contexts, this research demonstrates the effectiveness of PjBL in a resource-limited elementary school, highlighting its adaptability and contextual relevance. Implications: The findings suggest that PjBL not only enhances conceptual mastery of fractions but also fosters critical thinking, collaboration, and motivation, thus offering a viable pedagogical strategy for advancing Kurikulum Merdeka in diverse educational settings. Highlights: PjBL improves student engagement and critical thinking. Learning outcomes in fractions increased from 64% to 84%. Effective even in resource-limited elementary schools. Keywords: Project-Based Learning, Mathematics, Fractions, Elementary Education, Learning Outcomes
Pengembangan Aplikasi Travel WisataKu Menggunakan Metode Waterfall Rani, Muh. Alief Nur Hidayah; Zainuddin, Zainuddin; Ilham, M.; Faturrohman, Muh. Abi; Ramadhan, Adam
Journal of Renewable Energy and Smart Device Vol.2, No.1, November 2024
Publisher : PT. Lontara Digitech Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61220/joresd.v2i1.247

Abstract

Meskipun minat untuk menjelajahi tempat-tempat wisata yang baru dan menarik semakin meningkat, tidak semua destinasi tersebut mudah dijangkau oleh masyarakat umum. Kendala informasi dan aksesibilitas menjadi tantangan utama dalam mengakses destinasi wisata yang tersembunyi. Tujuan dari penelitian ini adalah untuk mengembangkan aplikasi yang memungkinkan pengguna dengan mudah menemukan destinasi wisata tersembunyi dan menarik. Metode utama yang digunakan adalah model pengembangan waterfall, yang memungkinkan pembuatan sistem dilakukan secara terstruktur sesuai dengan siklus pengembangan yang ada. Hasil penelitian menunjukkan bahwa teknologi digital seperti peta interaktif dan rekomendasi berbasis data sangat efektif dalam membantu wisatawan menemukan lokasi-lokasi tersembunyi. Evaluasi terhadap platform ini juga menunjukkan kemampuannya dalam menghubungkan wisatawan dengan destinasi tersembunyi, mendukung pariwisata berkelanjutan, dan mengembangkan model promosi yang dapat diterapkan secara global untuk mendiversifikasi pariwisata serta mendukung ekonomi lokal.
Transformation of Religious Moderation through the Deepening of Kitab al-Jawahir al-Kalamiyah in the Women's Pesantren Arifuddin, Arifuddin; Syahruddin, Syahruddin; Ilham, M.; Karim, Abdul Rahim; Hasanuddin, Muhammad Irfan
Eduprof : Islamic Education Journal Vol. 7 No. 2 (2025): Eduprof : Islamic Education Journal
Publisher : Program Pascasarjana, Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/eduprof.v7i2.380

Abstract

Religious moderation is often a fragile concept and limited to ethical recommendations or fiqh rules without touching on the fundamentals of belief. This study does not merely affirm that santriwati in women's pesantren are moderate, but also uncovers the underlying mechanisms of how moderation is produced, namely through mastery of theological foundations that give them the intellectual authority to reconstruct religious discourse from within. A qualitative approach with a case study research type, as well as data collection techniques through observation, interviews, and documentation review were used in this study. Data analysis and testing were also conducted. The results show that the deepening of the kitab al-Jawahir al-Kalamiyah at the women's pesantren Datok Sulaiman Palopo goes beyond mere knowledge transfer to become a complex mechanism for intellectual-spiritual empowerment. The santriwati actively negotiated and reconstructed the meaning of religious moderation, transforming it from a normative concept into a critical ideology rooted in their local context. This transformation was supported by the conducive structural foundation of the pesantren, where its vision, mission, and leadership provided significant space for women agents to operate. The pedagogical foundation for this success lies in the key elements of kitab al-Jawahir al-Kalamiyah. The teaching of tanzih (divine transcendence) instills intellectual humility by emphasizing the absolute difference between the Creator and creation. The concept of hikmah (divine wisdom) is articulated as a theological affirmation of diversity. Furthermore, the text's rational-dialogical question-and-answer method is maximized to train critical thinking and constructive dialogue skills, fostering a deep-seated respect for diversity.
Theological and Cultural Construction: Resilience Strategies of the To Sallang Minority in A Multicultural Society Ilham, M.; Hasyim, Baso; Langaji, Abbas; Hasanuddin, Irfan; Barsihannor, Barsihannor
FITRAH: Jurnal Kajian Ilmu-ilmu Keislaman Vol 9, No 2 (2023): 11 Articles, Pages 201-414
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/fitrah.v9i2.8693

Abstract

To Sallang is a term addressed to minority Muslims who live in Toraja. Even though they are a minority, they can live side by side, without losing their Islamic identity. This research aims to find out To Sallang's resilience strategy to survive among the mainstream religions and customs of the Toraja people who are predominantly Christian. In addition, it also aims to explore religious aspects that can strengthen To Sallang community to survive and adapt to a multicultural society. Data were collected through observation, in-depth interviews, and documentation. The research results show that To Sallang manages to maintain their social identity as a native of Toraja descent, as well as negotiate personal identity as a Muslim community by adapting their genius and creative assimilation to universal religious values and local wisdom (indigenous knowledge). Through theological concepts such as fitrah-sunnatullah (natural law), hablum min al-nas (social interaction), hurmatu al-takrim (respect and honor), and al-ma'ruf (values of goodness and wisdom that are rooted in the traditions of society) synchronized with local wisdom values such as sikamali (love-miss each other), siangga' (mutual respect), and siangkaran (help each other), To Sallang can present a comprehensive picture of religiosity that accommodates religious aspirations with cultural characteristics. To Sallang strategy could be the best practice and reference to build religious and cultural co-existence since they can survive with their Islamic identity and local wisdom to live together in a multicultural society. It can also be a blueprint for religious and cultural harmony in overcoming potential conflicts caused by ethnic and religious differences.
Analisis Jejak Karbon Aktivitas Pendidikan Universitas Batanghari pada Masa Pandemi Covid-19 Herawati, Peppy; Riyanti, Anggrika; Wiguna, Reiva; Ilham, M.
Jurnal Ilmiah Universitas Batanghari Jambi Vol 25, No 1 (2025): Februari
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jiubj.v25i1.6071

Abstract

This research aims to measure the amount of carbon footprint resulting from activities at Batanghari University during the Covid-19 pandemic. The analytical method used is carbon footprint calculation based on the GHG Protocol (The Greenhouse Gas Protocol) and guidelines from the International Panel on Climate Change. The research results show that the total carbon footprint of Batanghari University campus activities in the period June – November 2021 reached 399,843 tons.CO2-eq. This calculation was carried out in 3 (three) main areas, namely first, emissions from the use of official vehicles amounted to 0.0882 tons.CO2-eq and the use of LPG in the kitchen amounted to 0.107 tons.CO2-eq. Second, emissions from electricity use are 118,774 tons.CO2-eq/kWh, and paper use is 0.563 tons.CO2-eq. The three emissions from transportation activities amounted to 273,576 tons.CO2-eq, waste disposal amounted to 4.71 tons.CO2-eq, and LPG use in canteens amounted to 0.859 tons.CO2-eq.