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All Journal Al-Ulum Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora EDUCASIA : Jurnal Pendidikan, Pengajaran, dan Pembelajaran Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Indo-MathEdu Intellectuals Journal Islamic Circle Linggau Journal Science Education (LJSE) International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Jurnal Publikasi Ilmu Manajemen Islamic Economics and Business Review (IESBIR) Al Rikaz : Jurnal Ekonomi Syariah Indonesia Journal Of Zakat and Waqf Islamic Financial And Accounting Review
Rukiah
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Income Inequality in Society: A Comprehensive Study of Solutions from an Islamic Economic Perspective tanjung, elpinia; Rukiah; Batubara, Sarmiana
OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah Vol. 5 No. 2 (2024): OIKONOMIKA: Jurnal Kajian Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Income inequality and poverty are still serious problems in Indonesia's economic development. The Islamic economic approach offers a comprehensive solution through the optimization of social instruments such as zakat, infaq, and waqf. This study discusses the great potential of zakat and waqf in Indonesia in the context of poverty alleviation and equitable distribution of welfare. Based on data from the National Amil Zakat Agency (BAZNAS) and the Indonesian Waqf Agency (BWI), the potential for national zakat reaches more than IDR 300 trillion per year, while the potential for money waqf is estimated at up to IDR 180 trillion. Although the realization of the collection is still far from this figure, various programs such as Zakatpreneur, educational scholarships, free health services, and productive waqf have made a real contribution in improving the standard of living of the mustahik and strengthening the microeconomic sector. This study emphasizes that structured, professional, and sustainable management of Islamic social funds can be an important pillar in suppressing social inequality and accelerating the achievement of people's welfare. Strategic collaboration between the government, zakat, and waqf management institutions, as well as active participation of the community, is needed to realize this potential to the maximum.
The Positivism of the Indonesian Ulema Council’s Fatwa on Dui Menre in Bugis Society: The Perspective of the Qur’an Suarning; Fikri; Muliati; Saidah; Rukiah
Al-Ulum Vol. 25 No. 1 (2025): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/au.v25i1.6793

Abstract

This study aims to examine the legal positivization of the Indonesian Council of Ulama’s (MUI) Fatwa No. 2 of 2022 and to explore its potential as a foundation for formal regulation. Employing a descriptive qualitative method with a case study approach, data were collected through document analysis, Islamic legal literature, and interviews with MUI figures and local communities. The findings demonstrate that the fatwa reflects Qur’anic principles of justice, public interest (maṣlaḥah), and equality, while simultaneously affirming the legal status of fatwas as normative products with potential for positivization or legalization into valid written regulations, at least in the form of local bylaws (Perda). The fatwa thus functions as a normative bridge connecting Islamic law, customary norms, and state law. The study recommends synergy between MUI, local government, and traditional leaders to advance the transformation of fatwas into contextual and equitable regulations
Peran Fintek Syariah Terhadap Kesejahteraan UMKM di Indonesia Pada Era Covid-19 Nurhajijah; Andri Soemitra; Rukiah
Jurnal Publikasi Ilmu Manajemen Vol. 2 No. 1 (2023): Maret: Jurnal Publikasi Ilmu Manajemen 
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (718.678 KB) | DOI: 10.55606/jupiman.v2i1.1032

Abstract

Keberadaan UMKM di Indonesia memberikan kontribusi yang besar bagi pembangunan dan pertumbuhan ekonomi nasional. Terbukti dengan peningkatan jumlah unit UMKM di Indonesia selama 5 tahun terakhir (2015-2019) yang berdampak pada tingginya penyerapan tenaga kerja serta berkontribusi besar terhadap Produk Domestik Bruto (PDB). Namun, akibat Covid-19 yang melanda dunia pada akhir tahun 2019 menyebabkan penurunan kinerja UMKM di Indonesia, sehingga perlu sinergi dan dukungan institusi lain agar UMKM tetap bisa eksis bertahan di tengah pembatasan aktivitas masyarakat. Alternatif yang sesuai dengan masalah tersebut adalah layanan financial teknologi khususnya fintech syariah. Artikel ini bertujuan untuk menjelaskan peran fintech syariah terhadap kesejahteraan UMKM di Indonesia pada era covid-19. Jenis penelitian ini adalah penelitian kualitatif menggunakan metode kepustakaan dengan analisis makna dari literatur yang dikumpulkan dalam 5 tahun terakhir berkaitan fintech syariah dan kesejahteraan UMKM di Indonesia pada era covid-19. Hasil penelitian ini menunjukkan bahwa terdapat beberapa peran fintech syariah terhadap kesejahteraan UMKM di Indonesia pada era covid-19.
EMPOWERING THE COMMUNITY OF JANJI MANAON VILLAGE BATANG ANGKOLA DISTRICT THROUGH DIGITAL MARKETING OF SMALL AND MEDIUM ENTERPRISE PRODUCTS Idris Saleh; Rukiah; M. Fauzan; Ahmad Afandi; Nurhalimah Lubis; Nur Mutia; Ali Imran Chaniago; Dimas Aji Wardana; Fitri Aisyah Hasibuan; Salsabila Putri
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 5 No. 2 (2025): July-October 2025
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v5i2.4213

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are the main pillars of Indonesia’s economy, contributing significantly to the national GDP and employment absorption. However, MSMEs face serious challenges such as limited access to capital, low digital literacy, and marketing constraints that are still predominantly carried out through traditional methods. Janji Manaon Village, Batang Angkola District, South Tapanuli Regency, has great potential in developing MSMEs based on local products. Unfortunately, most business actors still market their products in a limited way through traditional markets, making it difficult to reach a wider range of consumers. Changes in consumer behavior in the digital era open up great opportunities for MSMEs to enhance competitiveness, especially through digital marketing strategies that have proven to be more effective, affordable, and capable of expanding markets. This community service activity aims to empower MSMEs in Janji Manaon Village through training and mentoring in digital marketing. The methods used include a participatory approach, digital literacy training, hands-on practice in using social media and marketplaces, as well as continuous mentoring. The results of the activities show a significant increase in the community’s digital literacy, the establishment of online business accounts, improved skills in creating promotional content, and the expansion of product marketing reach beyond the village. Several MSME actors also experienced increased sales, and local change agents emerged to serve as mentors for other business actors. Overall, this program has proven effective in strengthening the capacity of village MSMEs to utilize digital technology for product marketing, reinforcing community economic independence, and generating positive impacts on local economic development. This success is expected to serve as a best practice that can be replicated in other villages with similar conditions.
Analisis Kausalitas Tingkat Indeks Pembangunan Manusia, Pertumbuhan Ekonomi dan Pembiayaan Perbankan Syariah di Provinsi Sumatera Utara Mastira Romaito Hasibuan; Fatahuddin Aziz Siregar; Rukiah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.22873

Abstract

Kondisi perekonomian akibat dampak dari pandemi covid 19 dimana masyarakat banyak yang di rumahkan dan kehilangan pekerjaan sehingga pendapatan juga berkurang dan akan berimbas pada pertumbuhan ekonomi karena tidak stabilnya perekonomian. Pertumbuhan ekonomi yang menurun pada 2020-2021 maka pembiayan perbankan juga demikian karena kurangnya pendapatan masyarakat maka minat untuk melakukan pembiayaan dengan bank pun menurun. Adapun tujuan penelitian ini adalah untuk mengetahui dan menganalisis pengaruh indeks pembangunan manusia, pertumbuhan ekonomi dan pembiayaan perbankan syariah di Provinsi Sumatera Utara. Penelitian ini menggunakan metode penelitian kuantitatif dengan data sekunder dalam bentuk data panel, yakni penggabungan antara deret berkala yaitu data dari tahun 2015-2022 dengan data deret lintang sebanyak 9 kota/kabupaten yang termasuk populasi muslim terbanyak di Sumatera Utara. Teknik pengambilan sampel yang digunakan adalah random sampling. Adapun metode analisis data yang digunakan penulis adalah dengan analisis keterkaitan antar variabel dengan menggunakan model Auto Regression (VAR), dengan menggunakan program EVIEWS versi 10. Hasil penelitian menunjukkan bahwa dalam jangka pendek tidak terdapat hubungan kausalitas antara indeks pembangunan manusia, pertumbuhan ekonomi dan pembiayaan perbankan syariah di Provinsi Sumatera Utara, akan tetapi pembangunan manusia memiliki peran yang lebih besar dalam jangka panjang, memberikan dasar untuk kebijakan investasi jangka panjang dalam pendidikan dan kesehatan, begitu juga Pembiayaan Bank Syariah memiliki pengaruh terhadap Pertumbuhan Ekonomi dalam jangka panjang, menekankan pentingnya sektor keuangan syariah dalam mendukung pertumbuhan ekonomi. Hal ini karena Indonesia mengalami penurunan tajam dalam pertumbuhan ekonomi akibat krisis ekonomi global pada periode pertama. Pada saat yang sama, pembiayaan perbankan syariah mengalami penurunan karena ketidakstabilan pasar keuangan global, sementara indeks pembangunan manusia menunjukkan peningkatan yang lebih lambat karena investasi dalam pendidikan dan kesehatan. Maka dari itu penting bagi pemerintah untuk merespon perubahan ekonomi yang mendalam, seperti krisis global, dengan stimulus ekonomi yang sesuai, pemulihan Sektor Keuangan Syariah, investasi Jangka Panjang dalam Pembangunan Manusia, menerapkan manajemen risiko terhadap faktor eksternal, dan melakukan kerja sama Internasional.
Determinan Manajemen Laba pada Bank Syariah di Indonesia Dimoderasi oleh Asimetris Informasi Heriansyah Panjaitan; Rukiah; Utari Evy Cahyani
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23255

Abstract

Penelitian ini dilatarbelakangi pentingnya informasi laba yang mendorong manajemen untuk memberikan perhatian lebih terhadap angka laba yang dilaporkan. Informasi laba sering menjadi target tindakan oportunis manajemen untuk memaksimalkan kesejahteraannya dengan cara memanipulasi tampilan laba sesuai keinginan. Sehingga tujuan dilakukkannya penelitian ini adalah melihat pengaruh Komite Audit (KA), Dewan Komisaris (DK), dan Dewan Pengawas Syariah (DPS) terhadap Manajemen Laba (ML), serta apakah Asimetris Informasi (AI) dapat memperkuat pengaruh Komite Audit (KA), Dewan Komisaris (DK), dan Dewan Pengawas Syariah (DPS) terhadap Manajemen Laba (ML). Jenis Penelitian ini menggunakan metode penelitian kuantitatif. Penelitian kuantitatif adalah penelitian yang menggunakan angka dalam penyajian data dan analisis yang menggunakan uji statistik. Menurut waktu pengumpulannya penelitian ini menggunakan data panel. Berdasarkan hasil pengujian yang telah dilakukan, variabel komite audit memiliki probability sebesar 0,0818 < 0,05, maka Ha1 ditolak yang berarti tidak terdapat pengaruh komite audit terhadap manajemen laba. Selanjutnya dapat dilihat bahwa dewan komisaris memiliki nilai koefisien sebesar -0,732854 yang menunjukkan hubungan secara negatif, dimana semakin banyak peran komite audit dalam bank maka akan semakin banyak tingkat manajemen laba yang dilakukan. Variabel dewan komisaris memiliki probability sebesar 0,0010 < 0,05, maka Ha2 diterima yang berarti terdapat pengaruh dewan komisaris terhadap manajemen laba. Selanjutnya dapat dilihat bahwa dewan komisaris memiliki nilai koefisien sebesar 0,588301 yang menunjukkan hubungan secara positif. Hal ini menunjukkan bahwa jumlah dewan komisaris tidak mampu mengurangi tindakan manajemen laba. Variabel dewan pengawas syariah memiliki probability sebesar 0,0700 > 0,05, maka Ha3 ditolak yang berarti tidak terdapat pengaruh dewan pengawas syariah terhadap manajemen laba. Selanjutnya dapat dilihat bahwa dewan pengawas syariah memiliki nilai koefisien sebesar 0,434616 yang menunjukkan hubungan secara positif. Hal ini menunjukkan bahwa jumlah Dewan Pengawas Syariah tidak dapat mengurangi terjadinya tindakan manajemen laba. Variabel Asimetris Informasi tidak dapat memperkuat (memperlemah) pengaruh komite audit, dewan komisaris, dan dewan pengawas syariah terhadap manajemen laba. Hal ini dibuktikan dari hasil Uji F bahwa nilai Prob (F-statistik) 0,264633 > 0,05. Maka Ha4 ditolak yang berarti asimetris informasi tidak dapat memperkuat (memperlemah) pengaruh komite audit, dewan komisaris, dan dewan pengawas syariah terhadap manajemen laba.
Implementasi Metode Bermain dalam Menstimulasi Kemampuan Kognitif dan Sosial Anak Usia Dini Masdiana Maula; Rukiah; Rukiyah, Ity
Indo-MathEdu Intellectuals Journal Vol. 5 No. 6 (2024): Indo-MathEdu Intellectuals Journal
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/imeij.v5i6.2218

Abstract

This research aims to describe the implementation of play methods in stimulating the cognitive and social abilities of young children. The research was conducted using a descriptive qualitative approach. The research subjects consisted of 17 Buah Hati Kindergarten children aged 5-6 years, who were selected using a purposive sampling technique based on the children's involvement in play activities designed by the teacher. Data was collected through observation, interviews and documentation, then analyzed using the Miles, Huberman and Saldana model including data collection, data condensation, data presentation and conclusion drawing, with triangulation validation techniques and sources. The results of the research show that play activities that are applied systematically, such as playing with blocks, stick men, making weapons from banana stems, and matching pictures of flags, make a significant contribution to children's development. Block games train logic, creativity and problem-solving skills. Stick man games hone creativity and critical thinking skills through discussion and collaboration. The activity of making weapons from banana stems fosters imagination, gross motor coordination and cooperation, while the flag matching game improves memory, symbol recognition and social interaction. The conclusion of this research confirms that play methods, if well designed and relevant, can be an effective learning strategy in supporting the cognitive and social development of early childhood.
Pemikiran Ulama Tafsir Kontemporer tentang Objek Zakat dan Relevansinya terhadap Praktik di BAZNAS Kabupaten Mandailing Natal Rukiah
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 12 No. 1 (2026): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v12i1.5277

Abstract

Zakat is an important instrument in Islam that functions as a means of wealth distribution and community economic empowerment. The development of the modern economy has given rise to various new forms of wealth, encouraging the emergence of contemporary zakat thought, including that of Yusuf al-Qardhawi and Buya Hamka. This study aims to analyze the views of both scholars on zakat objects and examine their relevance to zakat management practices at BAZNAS Mandailing Natal Regency. The research employed a qualitative approach with a field research design. Primary data were collected through interviews and documentation, while secondary data were obtained from classical works, books, scholarly articles, and relevant official documents. Data were analyzed descriptively and comparatively. The findings reveal that Yusuf al-Qardhawi's ideas are reflected in zakat collection practices through the recognition of professional income zakat, the utilization of banking systems, and institutional zakat management. Meanwhile, Buya Hamka's thought is reflected in zakat distribution practices that emphasize social justice, solidarity, and public welfare through educational, health, socio-religious, and economic empowerment programs. Nevertheless, zakat distribution at BAZNAS Mandailing Natal Regency remains predominantly consumptive in nature, although efforts have been made to promote productive programs aimed at enhancing the self-reliance of beneficiaries (mustahik).
The Impact of Inflation, Poverty Rates and Unemployment on Indonesia’s Economic Growth, with the Human Development Index as an Intervening Variable winda sari siregar; Rukiah; Budi Gautama Siregar
Islamic Circle Vol. 7 No. 1 (2026): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Indonesia's economic growth conditions according to data presented by BPS in the 2018-2024 period, namely the period before and after the Covid-19 event tended to stagnate at around 5 percent per year. There are several macroeconomic problems that cause low Indonesian economic growth, including inflation, poverty rates, and unemployment, as well as the Human Development Index (HDI). This type of research is a quantitative causality approach with time series data. The research period is 2028-2024 in Indonesia. The population in this study is Indonesian economic growth data reflected in GDP, inflation, poverty rates, unemployment, and HDI from 2018-2024 in the form of monthly data. So the population in this study is 84. The sampling technique used is saturated sampling, namely all 84 populations are used as samples. Data analysis techniques used are normality tests, multicollinearity, heteroscedasticity, autocorrelation, coefficient of determination tests, partial tests, simultaneous tests, and Sobel tests. The findings in this study are that inflation and unemployment do not affect the HDI, poverty affects the HDI, there is an influence of the HDI, inflation, and poverty on economic growth, and the HDI cannot mediate the relationship between inflation, unemployment and economic growth, and there is an influence of poverty on economic growth mediated by the HDI
Co-Authors Adiyaswari, Achwani Agus Muchsin Ahmad Afandi Ali Imran Chaniago Amalia Anindita Jufri Andri Soemitra Dimas Aji Wardana Fikri Fitri Aisyah Hasibuan Heriansyah Panjaitan Idris Saleh Ity Rukiyah Lina Revilla Malik Lubis, Dinda Silpia M Nasri H M. Fauzan Masdiana Maula Mastira Romaito Hasibuan Muhammad Sabir Muliati Nasution, Ananda Anugrah Nur Mutia Nurhajijah Nurhalimah Lubis Putra, Muamar Adi Rahmayanti, Riska Rini Purnamasari, Rini Saidah Salsabila Putri Sarmiana Batubara SIREGAR, BUDI GAUTAMA Siregar, Fatahuddin Aziz Soumena, Moh. Yasin Suarning tanjung, elpinia Utari Evy Cahyani Utari Evy Cahyani Wahyudi Rusdi Winda Sari Siregar Wulandari, Kurnia Tri Wulandari