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ANALISIS DAMPAK PINJAMAN PERMODALAN NASIONAL MADANI (PNM) MEKAR SYARIAH TERHADAP KESEJAHTERAAN MASYARAKAT PRESPEKTIF HUKUM EKONOMI SYARIAH Syamsinar; Lawang, Hasanna; Akil, M; Bunyamin, Andi; Raehana, Syarifa
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 01 (2026): Volume 11 No. 01 Maret 2026 Produce
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i01.43970

Abstract

This study aims to analyze the distribution mechanism and effectiveness of loans from PNM Mekaar Syariah, South Bontonompo Branch, Gowa Regency, in improving the economic welfare of the community in Pa'bundukang Village, South Bontonompo District, and to identify factors that influence the success of customers' micro-enterprises. The results of this study are expected to provide theoretical benefits as a reference in the development of Islamic economics, particularly related to microfinance-based poverty alleviation efforts, as well as practical benefits for PNM Mekaar Syariah in improving the quality of services and empowerment programs. The research method used is a qualitative approach with data collection techniques through direct observation, in-depth interviews, and documentation. Research informants consisted of active customers of PNM Mekaar Syariah and program managers. Data analysis was carried out through the stages of data reduction, data presentation, and drawing conclusions to obtain a valid picture of changes in the economic and social conditions of the community before and after receiving financing. The results of the study indicate that capital loans from PNM Mekaar Syariah have a significant impact on improving community welfare. Economically, customers are able to develop businesses and increase household income. Socially, group-based financing encourages discipline and responsibility. However, there were challenges in repaying installments when business declined. Overall, this program has proven effective in supporting Sharia-based community economic empowerment.
PENERAPAN MODEL PEMBELAJARAN EXAMPLES NON EXAMPLES UNTUK MENINGKATKAN HASIL BELAJAR PESERTA DIDIK PADA MATA PELAJARAN PENDIDIKAN AGAMA ISLAM KELAS XII.5 DI SMA NEGERI 1 JENEPONTO Fina Damayanti, Nurul; Bunyamin, Andi; Mustamin; Wahab, Abdul; Raehana, Syarifah
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 Nomor 02, Juni 2026 Public
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.46302

Abstract

ABSTRACT This study discusses the "application of the Example Non-Example learning method in Islamic Religious Education subjects in class VII.5 SMA Negeri 1 Jeneponto. This study is motivated by the low learning outcomes of students who are still far from the Minimum Completion Criteria (KKM). This study aims to describe the application of the Example Non-Example method in improving student learning outcomes in Islamic Religious Education subjects. The research method used is Classroom Action Research (CAR) by referring to the Jhon Ellio model which consists of two cycles each at the planning, action, observation, and reflection stages. The subjects in this study were students of class VII.5 SMA Negeri 1 Jeneponto with a total of 31 students. Data collection techniques used observation, interviews, tests and documentation. While the data analysis used is quantitative data analysis and qualitative data. The results of the study show that the application of the Example Non-Example learning method significantly improves student learning outcomes. In the pre-cycle stage, the average score was only 61.67 with a mastery percentage of 25.80% (Very Poor category). In Cycle I, the average score increased to 71.80 with a mastery percentage of 51.61% (Poor category). The improvement continued in Cycle II, where the average score reached 84.25 with a mastery percentage of 83.87% (Good category). The implementation of the Examples Non Examples method proved to enhance students’ focus, concentration, active participation, classroom interaction, and appreciation of religious values. Therefore, the Examples Non Examples method is effective in improving both students’ learning outcomes and the quality of the Islamic Religious Education learning process in class VII.5 at SMA Negeri 1 Jeneponto. Keywords: Example Non Examples, Learning Outcomes, Islamic Religious Education
ANALISIS PERAN ADMINISTRATIF KANTOR URUSAN AGAMA DALAM PENETAPAN DAN PENGELOLAAN TANAH WAKAF DALAM PERSPEKTIF HUKUM EKONOMI SYARIAH Indarwati, Yayu; Raehana, Syarifa; Lawang, Hasanna; Akil, M; Subaedah
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 02, Juni 2026 Produce
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.45617

Abstract

This study aims to determine and analyze the administrative role of the Office of Religious Affairs (KUA) in determining waqf land and the management of waqf land by nazhir from the perspective of Sharia Economic Law in Bolo District, Bima Regency. This study uses a qualitative research type with a phenomenological approach and a sharia approach. Data collection techniques were carried out through observation, interviews, and documentation with informants consisting of the head of KUA, waqf administration staff, nazhir, wakif, and community leaders in Bolo District. The data obtained were then analyzed descriptively qualitatively to provide a comprehensive picture of the administration and management practices of waqf land. The results of the study indicate that the administrative role of KUA in determining waqf land has been implemented through the process of verifying land ownership documents, recording waqf pledges, and issuing Waqf Pledge Deeds (AIW) as proof of legality. This procedure aims to provide legal certainty and protection for waqf assets. However, in practice, waqf is still found to be carried out verbally without official registration, as well as a lack of public understanding of the importance of the administrative aspects and legality of waqf. Meanwhile, waqf land management by the nazhir is generally used for religious and social purposes, such as the construction of mosques and educational facilities. However, this management is not yet fully optimal due to limited managerial capabilities, lack of reporting, and the absence of a structured and professional management system. From the perspective of Sharia Economic Law, this practice reflects the principle of public welfare, but still requires improvements in transparency, accountability, and professionalism to optimize the benefits of waqf for community welfare.
ANALISIS PENERAPAN FATWA DSN-MUI NO.108 TAHUN 2016 PADA PENGELOLAAN HOTEL SYARIAH DALAM PERSPEKTIF HUKUM EKONOMI SYARIAH Wulandari, Astrika; Lawang, Hasanna; Akil, M; Raehana, Syarifa; Subaedah
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 2, Juni 2026 Publish
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.46561

Abstract

This research is motivated by the suboptimal implementation of sharia principles in the hotel industry, despite the continued development of the sharia hotel concept in Indonesia. This phenomenon indicates a gap between claims of being a sharia hotel and operational implementation in accordance with Islamic economic law. Therefore, this study aims to analyze the implementation of DSN-MUI Fatwa No. 108 of 2016 concerning Guidelines for Organizing Tourism Based on Sharia Principles in the management of Al-Badar Hotel Syariah Makassar, and to identify various obstacles encountered in its implementation. The research method used is field research with a qualitative interpretative approach. Data collection techniques were carried out through in-depth interviews, direct observation, and documentation. The data obtained were then analyzed qualitatively with an inductive approach to understand the suitability between hotel management practices and the principles of sharia economic law. The results of the study indicate that the implementation of sharia principles has been carried out in several key aspects, namely service, facilities, and guest selection. In the service aspect, Islamic moral values ​​have been applied through the friendly and polite attitude of employees. In terms of facilities, the hotel has provided an environment free from haram elements and supports religious needs. Meanwhile, in terms of guest selection, the hotel has implemented a policy of refusing non-mahram couples. However, this implementation remains partial due to the lack of institutional support, such as the absence of a Sharia Supervisory Board (DPS) and the lack of a comprehensive sharia management system. The main obstacles faced include limited understanding of human resources, low public literacy regarding the concept of sharia hotels, and the absence of a formal oversight system. Therefore, this study recommends strengthening institutions and improving human resource competencies to optimize the implementation of sharia principles comprehensively and sustainably.
TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP PRAKTIK WAKALAH BIL UJRAH ANTAR PEDAGANG PAKAIAN DI PASAR SENTRAL PANGKEP Algazali, Muhammad; Raehana, Syarifa; Syahid, Akhmad; Lawang, Hasanna; Alwi, Auliah
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 2, Juni 2026 Publish
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.47361

Abstract

This study aims to analyze the practice of wakalah bil ujrah among clothing traders at Pasar Sentral Pangkep and to examine its compliance from the perspective of Islamic economic law. This research employs a qualitative method with a descriptive and normative-empirical approach. Data were collected through interviews, observations, and documentation, involving clothing traders and the market head as key informants. Data analysis uses the Miles and Huberman model, including data reduction, data display, and conclusion drawing. The results show that the practice of wakalah bil ujrah occurs when a trader who does not have the requested goods seeks them from another trader with the buyer’s approval. In this practice, the intermediary trader acts as an agent (wakil), while the owner of the goods acts as the principal (muwakkil), and the profit is obtained from the price margin. This practice is influenced by the desire to retain customers, limited stock availability, and strong social relationships among traders. It also provides positive impacts such as increasing transaction opportunities and improving distribution efficiency. From the perspective of Islamic economic law, this practice fulfills most of the essential elements of wakalah, including the presence of a principal, an agent, and a clearly defined object, and reflects principles such as mutual assistance, consent, honesty, and fairness. However, it does not fully comply with the requirements of wakalah bil ujrah due to the absence of clear contractual agreement and predetermined compensation, which may lead to elements of uncertainty (gharar). Furthermore, the practice resembles other contracts such as samsarah (brokerage) and ju’alah, thus it can be categorized as a hybrid contract in contemporary Islamic transactions. Therefore, improvements in transparency and clarity of agreement are necessary to align with Islamic economic law principles.
Negotiating Maslaḥat and Maḍarat: Uang Panai and the Socio-Cultural Dynamics of Bugis–Makassar Customary Marriages Syarifa Raehana; Nasriah Nasriah; Andi Herawati
Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Vol 12, No 2 (2025): October
Publisher : Faculty of Sharia (Islamic Law) at Fatmawati Sukarno State Islamic University Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v12i2.9359

Abstract

Uang panai is a central tradition in Bugis–Makassar customary marriage, functioning not only as a formal customary requirement but also as a symbolic expression of respect for women and the groom’s social and moral responsibility. This study seeks to harmonize the practice of uang panai with principles of social justice and Islamic law by proposing regulatory and normative measures that prevent it from becoming an excessive economic burden on families. The research addresses two main issues: the position of uang panai in Bugis–Makassar customary marriage from the perspectives of maslaḥah and maḍarah, and the influence of sociocultural dynamics on its contemporary practice. Employing a normative legal approach with qualitative methods, this study analyzes uang panai through the lenses of positive law, customary law, and Islamic legal principles. The analysis is supported by primary sources, including regulations, fatwas, classical fiqh texts, and customary documents, which are examined using content analysis to interpret legal norms and cultural values within current social dynamics. The findings indicate that uang panai holds a crucial position as a symbol of appreciation and a mechanism of social bonding between families, contributing to social harmony, mutual respect, and protection for wives and their families. Nevertheless, the practice may also generate economic pressure on the groom’s family and, in certain contexts, lead to exploitative tendencies. Ongoing sociocultural changes have reshaped the meaning and function of uang panai, reflecting broader socio-economic transformations and necessitating adaptive interpretations that preserve its core cultural values. The academic contribution of this study lies in its reconceptualization of uang panai as a dynamic customary institution, understood through a maslaḥah–maḍarah framework rather than as a static tradition, thereby enriching scholarship on Islamic family law and customary law through an integrative normative perspective that bridges local cultural values with principles of Islamic justice
PENERAPAN MODEL PEMBELAJARAN TEMATIK UNT U K MENINGKATKAN HASIL BELAJAR PESERTA DIDIK PADA MATA PELAJARA AKIDAH AKHLAK KELAS VIII 2 DI MTS AS’ADIYAH NO.3 ATAPANGE KAB UPATENWAJO Andi Mulyadi; Akhmad Syahid; M Akil; Andi Bunyamin; Syarifa Raehana; Rosmiati
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 02, Juni 2026 Produce
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.44030

Abstract

Andi Mulyadi, This thesis discusses "The Application of the Thematic Learning Model to Improve Student Learning Outcomes in the Class VIII 2 Moral Creed Subject at MTs As'Adiayah Wajo Regency" This research aims to improve the learning outcomes of class VIII 2 students in the Moral Creed Subject by using Thematic learning model and to find out how to apply the thematic learning model in improving Aqidah Akhlak learning outcomes. The method used in this research is Classroom Action Research (PTK). In this research, the research subjects were class VIII 2 students at MTs As'Adiayah, Wajo Regency with a total of 30 students. The instrument used is observation, namely making direct observations of class VIII 2 students at MTs As'Adiyah Wajo Regency, interviews will be carried out by asking several questions to teachers in the Aqidah Akhlak field of study, and tests in the form of initial tests and final tests in the form of multiple choices. 10 questions. The results of the research that has been carried out show that student learning outcomes have increased. This increase can be seen through the cycles that have been carried out, where in the pre-cycle the average score of students was 63 (fair) with a completion percentage of 40%, then in cycle I the average score was 72.5 (good) with a completion percentage of 66. 66%, in cycle II the average score was 82.83 very good) with a completion percentage of 83.33%.
IMPLEMENTASI FATWA DSN MUI NOMOR:92/DSN MUI/IV/2014 TENTANG PEMBIAYAAN YANG DISERTAI RAHN PADA PRODUK ARRUM HAJI PEGADAIAN SYARIAH JENEPONTO Nurul Hikmah AS; Hasanna Lawang; M Akil; Andi Bunyamin; Syarifa Raehana
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 02, Juni 2026 Produce
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.44124

Abstract

This study discusses the implementation of the Fatwa of the National Sharia Council of the Indonesian Ulema Council Number 92/DSN-MUI/IV/2014 concerning financing accompanied by rahn for the Arrum Haji product at Pegadaian Syariah Jeneponto. The focus of this study is to analyze the operational system of the Arrum Haji product and its compliance with the fatwa provisions. This study aims to determine the operational mechanism of Arrum Haji financing and assess its level of sharia compliance. Theoretically, this study is expected to enrich the study of sharia economic law, while practically it can serve as evaluation material for Pegadaian Syariah and a source of information for the public. This study uses a qualitative method with a case study approach. Data were collected through observation, interviews, documentation, and literature review. Data analysis was carried out through the stages of data reduction, data presentation, verification, drawing conclusions, and triangulation to ensure data validity. The results show that the Arrum Haji operational system is implemented systematically through the stages of financing application, eligibility verification, submission of collateral in the form of gold or diamonds, signing the contract, and opening a hajj savings account at a partner sharia bank. Next, Pegadaian transfers the initial Hajj deposit funds so that customers can obtain a portion number from the Ministry of Religious Affairs. In terms of fatwa implementation, the Arrum Haji product complies with Sharia principles through the use of qardh, rahn, ijarah, and kafalah contracts. Pegadaian's revenue comes from collateral maintenance fees (mu'nah) and agreed-upon administration fees, thus avoiding any element of usury (riba).
Tinjauan Hukum Islam Terhadap Perkawinan Anak Dan Problematika (Studi Kasus Kec. Poleang Barat Kab. Bombana Sulawesi Tenggara) Idrian Jaya; Syarifa Raehana; Muhammad Syahrul
QANUN: Journal of Islamic Laws and Studies Vol. 2 No. 1 (2023): QANUN: Journal of Islamic Laws and Studies, September 2023
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/qanun.v2i1.345

Abstract

Pokok masalah dalam penelitian ini adalah mengkaji persoalan tentang perkawinan anak dan problematika dalam tinjauan hukum Islam. Dari permasalahan tersebut dapat ditarik beberapa pokok permesalahan atau rumusan masalah, yaitu : 1) Apa faktor-faktor penyebab terjadinya perkawinan anak di Kec. Poleang Barat, Kab. Bombana, Sulawesi Tenggara ?, dan 2) Bagaimana penyelesaian problematika perkawinan anak dalam tinjauan hukum Islam ? Jenis penelitian yang digunakan dalam penelitian ini adalah jenis penelitian field research kualitatif deskriptif, dengan menggunakan sumber data primer dan sekunder. Metode Pengumpulan datanya dengan metode observasi, wawancara, dan dokumentasi. Hasil penelitian ini menunjukkan  bahwa perkawinan anak di daerah Kec. Poleang Barat masih kerap terjadi disebabkan beberapa faktor, yakni: faktor orangtua, faktor kecelakaan atau hamil di luar nikah (marride by accident), faktor pendidikan, faktor ekonomi, dan faktor akses jarak ke kantor KUA. Terkait hukum perkawinan anak dalam hukum Islam, itu dibolehkan sepanjang pelaksanaannya terdapat mashlahat bagi kedua mempelai, namun jika hal itu akan melahirkan dlarar (kerugian) bagi mempelai maka pernikahan menjadi haram; dan dalam kondisi yang demikian, mempelai mempunyai hak untuk fasakh (memutuskan perkawinan). Selanjutnya mengingat pernikahan termasuk dalam kategori fikih ijtima’i, maka pengaturan ulil amri terhadap masalah ini sangat dimungkinkan, bahkan mentaatinya adalah suatu keharusan. Dengan demikian, meskipun secara fikih persoalan penetapan usia pernikahan diperselisihkan, namun jika sudah ditetapkan oleh ulil amri, maka umat Islam mempunyai kewajiban syar’i untuk mengikutinya.
Pengaruh Media Sosial Terhadap Akhlak Remaja Di Desa Manajeng Kecamatan Sibulue Kabupaten Bone Afif Ma’ruf; Hj. Nur Setiawati; Syarifa Raehana
QANUN: Journal of Islamic Laws and Studies Vol. 2 No. 1 (2023): QANUN: Journal of Islamic Laws and Studies, September 2023
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/qanun.v2i1.346

Abstract

Fenomena yang sering terjadi saat ini, masih banyak remaja yang terlalu sibuk bermain media sosial sehingga tanggung jawab mereka terhadap allah dan sesama manusia sangat menurun bahkan hampir tidak ada sama sekali. Remaja di Desa Manajeng banyak yang merokok, menjalin hubungan dengan lawan jenis dan sering berkata-kata dengan menggunakan bahasa yang kasar. penelitian ini bertujuan untuk mengetahui bagaimana penggunaan media sosial bagi remaja di Desa Manajeng Kecamatan Sibulue Kabupaten Bone dan pengaruh media sosial terhadap akhlak remaja di Desa Manajeng. Jenis penelitian ini merupakan penelitian kualitatif dengan menggunakan pendekatan deskriptif. Pendekatan deskriptif ini untuk mengeksplorasi atau mengklarifikasi suatu gejala, fenomena atau kenyataan sosial yang ada. Sumber data yang digunakan adalah sumber data primer dan data  sekunder. Metode pengumpulan data yang digunakan yaitu, observasi wawancara, dan dokumentasi. Pada penelitian penulis menggunakan teknik analisis data yang dilakukan dalam penelitian kualitatif, yaitu teknik analisis flow chart analysis analisis data mengalir (Miles-Huberman), adapun skemanya, yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa langkah yang dilakukan dalam penanggulangan dari penyalahhgunaan media soial oleh remaja yaitu dengan dengan menggunakan komunikasi antar pribadi (Interpersonal)  yaitu orang tua dan anak remaja, dan komunikasi kelompok yaitu tokoh masyarakat dan pemerintah setempat.
Co-Authors A, Nurfadila Abbas Alimayo Abdillah, Ikram Abdul Wahab Abdullah, Nuraeni Abu Baedah, Said Syafuddin Afif Ma’ruf Afrianti, Ifa Ahmad Ahmad A Ahmad Hakim Akil, M Akil, Muh Alboneh, Abdulqadir Alfisyahri, Alfisyahri Algazali, Muhammad Alwi, Auliah Amiruddin K. Andi Bunyamin Andi Bunyamin Andi Herawati Andi Mulyadi Andi Mulyadi Angriani Putri, Aisyah Arsyad, Yusri M Arsyad, Yusri Muhammad Atika, Nur Atjo, Noerrachman Ayu, Fitrah Mutiara Baco, Rispa Damayanti Baedah, Said Syarifuddin Abu Bambang Sampurno, Bambang Bunyamin, Andi Darmawangsa, Andi Elena Mariantika Fauziah Ahmad Fina Damayanti, Nurul Fitrayani Shultan H. Nashiruddin Pilo Hafid, Ekaradiah Harahap, Anggie Felysha Hasibuddin Mahmud Hasibuddin, M Hasriani , Andi Hasriani, Andi Hasryana B Husnul Khatimah Idrian Jaya Indarwati, Yayu Irman, Dilla Jamaluddin Jufri Jufri Lawang, Hasanna M Akil M Akil M. Akil, M. M. Nasir Hamzah Mallongi, Maryati Mappeasse, Nurul Zazkiyah MARTINI Muh.Kemal Makassau Muhaimin Muhaimin Muhammad Ishaq Shamad Muslimin Kara Mustamin Mustamin Mustamin Nashiruddin Pilo Nasriah Nasriah Nengsi, Ratika Nengsih, Ratika Nur Setiawati Nurhidayanti Nursetiawati Nursetiawati Nurul Hikmah AS Nurul Qadriyyah. Ak, Nurul Pawe, Nunung Indrawati Puspita, Nuraeni Qadri, Muh Rahman, Aly Fathur Rahmat Hidayat Rahmatullah, Sity Raihannatul Jannah Rosmiati Rosmiati Rosmini Rosmini S, Ansar. Sabial Masani Hasan Said Syaripuddin Said, Taufikurrahman Saldi, Muhammad Salim Hasan Salsyabila, Hasnia Satriani Satriani Septiani, Fheby Setiawati , Nur Sriwahyuni, Ilfa St. Musdalifa Subaedah Subaedah, Subaedah Sudarmono R, Muh Aidil Sudarmono, Muh Aidil Sudirman, Putri sumardin, sumardin Surani Syafei, Achmad Syafril Syahid, Akhmad Syahid, Akhmad syahrul, muhammad Syamsuriah , Syamsuriah Syamsuriah, Syamsuriah Syarifuddin, Said Tahir, Musafir Tahta, Tahta Rizky Fajrul Islam Ummu Kalsum Wana Ikhwana Wandasari, Wulan Wulandari, Astrika Yanti, Rahma Yasir Arafat Zulfahmi Zulham Zulham