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ANALISIS MODEL BISNIS PEER TO PEER LENDING SYARIAH BERDASARKAN MAQASHID SYARAH (Studi Kasus Alami Fintech Syariah) Ummi Amalia; Maftukhatusolikhah; M. Iqbal
El-Mubarak: Islamic Studies Journal Vol. 1 No. 1 (2024): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v1i1.30

Abstract

Boomingnya bisnis Peer to Peer Lending saat ini yang menjalankan sistem, bunga, Peer to Peer Lending Syariah muncul sebagai salah satu alternatif pembiayaan dengan sistem online yang mengutamakan prinsip-prinsip syariah. Peer to Peer Lending Syariah tidak menggunakan faktor, maysir, dan sistem bunga (riba) akan tetapi menggunakan sistem bagi hasil. Penelitian ini bertujuan untuk menganalisis Model Bisnis Peer to Peer Lending Syariah Berdasarkan Maqashid Syariah (Studi Kasus Pada Alami Fintech Syariah). Penelitian ini menggunakan metode Deskriptif analisis, yaitu suatu metode penelitian yang digunakan untuk meneliti pada kondisi objek yang alamiah. Dimana peneliti adalah instrument kunci. Dengan teknik pengumpulan data melalui hasil studi lapangan meliputi wawancara, observasi dan dokumetasi dan juga kepustakaan (literature buku) yang terdapat hubungannya dengan riset ini. Analisis data melalui reduksi data, penyajian data, penarikan kesimpulan atau verifikasi. Hasil penelitian dari Model Bisnis yang ada di Alami Fintech Syariah dalam penyaluran pembiayaan UMKM Berdasarkan Maqashid Syariah sudah sesuai dengan Fatwa DSN-MUI, Akad yang digunakan di Alami Fintech Syariah yaitu, Al-Murabahah, Al-Ijarah, dan Al-Hiwalah. Alami Fintech Syariah sudah memenuhi Maqashid Syariah, yaitu Perlindungan Agama (Hifdzu Al-Din), Perlindungan Jiwa (Hifdzu Al-Nafs), Perlindungan Akal (Hifdzu Al-Aql), Perlindungan Keturunan (Hifdzu Al-Nasl), Dan Perlindungan Harta (Hifdzu Al-Mal). Hambatan yang ada di Alami Fintech Syariah dalam penyaluran pembiayaan terjadinya resiko pendanaan, yaitu resiko gagal bayar penerimaan pembiayaan.
PENGARUH E-SERVICE QUALITY DAN BRAND TRUST TERHADAP E-LOYALTY NASABAH DALAM PENGGUNAAN LAYANAN BSI MOBILE (STUDI PADA MAHASISWA UIN RADEN FATAH PALEMBANG) Putri Utami Damayanti; M. Iqbal
El-Mubarak: Islamic Studies Journal Vol. 1 No. 1 (2024): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v1i1.31

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh e-service quality dan brand trust terhadap e-loyalty nasabah dalam penggunaan layanan BSI Mobile. Metode yang digunakan dalam penelitian ini adalah kuantitatif. Populasi dalam penelitian ini adalah seluruh mahasiswa UIN Raden Fatah Palembang dengan sampel yang berjumlah 100 Responden dengan teknik pengumpulan data menggunakan kuesioner. Pengambilan sampel dilakukan menggunakan teknik sampling dengan jenis sampling yaitu simple random sampling karena pengambilan anggota sampel dan populasi dilakukan secara acak tanpa memperhatikan strata yang ada dalam populasi itu. Hasil penelitian menunjukkan bahwa E-Service Quality berpengaruh terhadap E-Loyalty Nasabah, Brand Trust berpengaruh terhadap E-Loyalty Nasabah, E-Service Quality dan Brand Trust berpengaruh terhadap E-Loyalty Nasabah.
KONTRIBUSI ZAKAT, INFAQ DAN SEDEKAH (ZIS) ASN TERHADAP KESEJAHTERAAN MASYARAKAT DESA LUMPATAN MUSI BANYUASIN Devi Agustini; M. Iqbal; Syamsiar Zahrani
El-Mubarak: Islamic Studies Journal Vol. 1 No. 2 (2024): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v1i2.136

Abstract

Islam menangani kemiskinan secara sistematis dengan prinsip pembangunan sosial yang berlandaskan kerjasama dan gotong-royong. Prinsip ini menekankan pentingnya individu yang kaya untuk menyumbangkan sebagian hartanya melalui zakat, infaq, atau sedekah kepada yang membutuhkan. Kontribusi ini bertujuan untuk meningkatkan kesejahteraan masyarakat dengan mengurangi kemiskinan dan mengatasi kesenjangan sosial. Penelitian ini menggunakan pendekatan kualitatif deskriptif. Penelitian dilakukan di BAZNAS Kabupaten Musi Banyuasin. Hasil penelitian menunjukkan bahwa pengelolaan dana ZIS di BAZNAS Kabupaten Musi Banyuasin sesuai dengan prinsip ekonomi Islam. Baznas mengumpulkan dana melalui media sosial, kerjasama dengan pemerintah daerah, dan situs webnya. Dana disalurkan melalui lima program utama: Muba Peduli Kemanusiaan, Muba Cerdas, Muba Makmur, Muba Sehat, dan Muba Taqwa. Zakat dialokasikan untuk delapan asnaf, sedangkan infaq dan sedekah digunakan untuk program umum. Namun, program Muba Peduli Kemanusiaan masih memberikan dampak terbatas pada kesejahteraan masyarakat, khususnya dalam bantuan renovasi rumah untuk yang kurang mampu.
Interprestasi Mahasiswa Universitas Negeri Medan Terhadap Modernisasi Keberagaman Agama Anastasya Sembiring; Anisa Amelia Purba; Arini Surbakti; Fatma Anggraini Lubis; Iwidya Risti Sinaga; Mikha Valdo Tambunan; Nur Cahyu Azizah; Putriana Sinaga; Ruth Hanna Sihombing; Saqinah Aifi Kirmala; Yakinda Benianfi Munthe; M. Iqbal; Alfonsius Ligori Keer
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 3 No 5 (2025): 2025
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v3i5.2425

Abstract

Modernisasi telah membawa perubahan fundamental dalam kehidupan sosial-keagamaan masyarakat, termasuk cara individu memahami dan mengamalkan keyakinan di tengah keberagaman agama yang semakin kompleks. Penelitian ini bertujuan untuk menganalisis interpretasi mahasiswa Universitas Negeri Medan terhadap modernisasi keberagaman agama dalam konteks masyarakat multikultural kota Medan. Metode penelitian menggunakan pendekatan kualitatif deskriptif dengan teknik wawancara mendalam, observasi partisipatif di lingkungan kampus, dan studi dokumentasi terkait kebijakan keberagaman agama. Hasil penelitian menunjukkan mahasiswa memiliki interpretasi ganda terhadap modernisasi keberagaman agama. Di sisi positif, modernisasi meningkatkan akses pendidikan, memperluas wawasan melalui teknologi informasi, dan memfasilitasi dialog lintas agama yang mendorong toleransi antarumat beragama. Teknologi dan media sosial memungkinkan interaksi yang lebih luas antar mahasiswa berbeda agama. Namun, modernisasi juga menimbulkan tantangan berupa individualisasi, sekularisasi, berkurangnya nilai sakral dalam praktik keagamaan, serta potensi konflik akibat penyebaran hoaks dan ujaran kebencian di media sosial
BUILDING CHARACTERS THROUGH 3P IMPLEMNTATION (APPEARANCE-SERVICE-ACHIEVEMENT): MEMBANGUN KARAKTER MELALUI IMPLEMNTASI 3P (PENAMPILAN-LAYANAN-PENCAPAIAN) M. Iqbal
SOSIOEDUKASI Vol 9 No 2 (2020): SOSIOEDUKASI JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL
Publisher : Fakultas Keguruan Dan Ilmu Pendidikan Universaitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (439.642 KB) | DOI: 10.36526/sosioedukasi.v9i2.1064

Abstract

Character education in a micro context, centered on a holistic education unit. Education unit is the main sector that optimally utilizes and empowers all existing learning environments to initiate, improve, strengthen, and continuously enhance the character education process in educational units. Education is what will make serious efforts and always be at the forefront of efforts to form the true character of Indonesian people. Character development is divided into four pillars, namely teaching and learning activities in class, daily activities in the form of cultural development of educational units; co-curricular and / or extra-curricular activities, as well as daily activities at home and in the community. In order to realize the goals of education in schools, effective management is required, with the aim of ensuring: 1) community access to adequate education services; 2) the quality and competitiveness of education and its relevance to the needs of society; and 3) effectiveness, efficiency and accountability of education management. Appearance, service, & achievement (3P) are not new things in schools, but in fact there are still schools that do not pay attention to 3Ps properly. For example, there is still a school identity in the form of a school name board which is in a dull and rotten condition so that it cannot be read clearly & cannot provide accurate information about the school. Another example, there are still schools that ignore cleanliness, safety, comfort & beauty of the school environment such as yards, rooms (buildings) & others. Likewise, the school's lack of attention to neatness, cleanliness & harmony in the appearance and behavior shown by its residents. According to Simon Philips, character is a collection of values ​​that lead to a system, which underlies the thoughts, attitudes and behaviors that are displayed. Meanwhile, Doni Koesoema understands that character is the same as personality. Personality is considered as a characteristic, or characteristic, or style, or characteristic characteristic of a person that comes from formations received from the environment. In this sense the root of all evil and evil acts, evil acts, lies in the loss of character. Strong character is a fundamental view which gives the human population the ability to live together in peace and form a world filled with good and virtue, free from violence and immoral acts.
Pengaruh Daya Tarik Wisata, Promosi, dan Fasilitas terhadap Keputusan Berkunjung pada Objek Wisata Saung Z Desa Karang Tanding Kabupaten Empat Lawang dalam Perspektif Ekonomi Syariah Rendiano Rendiano; Hilda Hilda; M. Iqbal
Jurnal Pajak dan Analisis Ekonomi Syariah Vol. 2 No. 4 (2025): Oktober: Jurnal Pajak dan Analisis Ekonomi Syariah
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jpaes.v2i4.1693

Abstract

This think about focuses to analyze the affect of traveler attractions, Advancement, and facilities on the choice to visit the Saung Z guest interest in Karang Tanding Town, Empat Lawang Run the show. This consider is impelled by the potential of sharia tourism as an effort to make neighborhood tourism that prioritizes Islamic values. This consider livelihoods fundamental data with a quantitative approach. The people in this consider is generally 18,000 visitors per year. The reviewing of this consider was carried out by purposive testing with a include up to of 100 respondents going to the guest interest. The examination methodology utilized in this consider is authenticity testing, faithful quality, classical assumption testing, and hypothesis testing utilizing IBM SPSS 22 examination. The results of this study show that tourist attractions, promotions, and facilities have a positive and significant influence on the decision to visit. The proposals of the comes around of this consider are the noteworthiness of more fruitful constrained time strategies, most extraordinary organization of traveler attractions and making strides the quality of workplaces that back guest reassurance in the midst of their visits and to draw in guest captivated This ask approximately is expected to contribute to the advancement of the tourism fragment, especially in Empat Lawang Run the show.
DETERMINANTS OF FOREIGN DIRECT INVESTMENT IN ORGANIZATION OF ISLAMIC COOPERATION COUNTRIES IN ASEAN: EMPIRICAL EVIDENCE OF VECTOR ERROR CORRECTION MODEL M. Iqbal; Syahrul Gunawan; Ajeng Lestari; Abdullah Abdullah; Azizan Hadi
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 8 No 2 (2025): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v8i2.11364

Abstract

This study examines the factors that influence FDI in OIC member countries in the ASEAN region: Indonesia, Malaysia, and Brunei Darussalam. Foreign direct investment is considered an important source of capital for the economic growth of developing countries. FDI flows to developing countries reached USD 837 billion in 2021, with Southeast Asia being one of the largest recipients. This study uses time series data from 2000–2022 and a VECM model to analyze the causal relationship between FDI, exchange rates, inflation, CO₂ emissions, exports, and imports. The results show that exchange rates and inflation have a significant impact on foreign direct investment in the long term, while CO₂ emissions, exports, and imports are not significant, differing from some previous studies that emphasized the role of trade and the environment. These findings indicate that macroeconomic stability, regulation, infrastructure, and institutions are key determinants of FDI flows. Although the impact of green policies has not been significant, initiatives such as carbon taxes and clean energy programs in the three countries show potential for attracting sustainable investment in the future.
Maqashid Sharia Approaches in Pension Fund Programs: Bank Muamalat Indonesia and Taspen Comparison M. Iqbal; Pamuji; Sari, Ajeng Permata; Fernandho; Aidonojie, Paul Atagamen
Asy-Syari'ah Vol. 27 No. 2 (2025): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v27i2.45295

Abstract

Pension funds function as instruments for long-term welfare protection; however, their development in Indonesia remains constrained by low financial literacy, limited public participation, and governance and fiscal sustainability issues, including investment irregularities in state pension institutions. In line with rising demand for sharia-compliant financial instruments, the Maqashid Sharia framework emphasizes welfare (maslahah), accountability, and risk mitigation. This study aims to analyze the implementation of pension fund programs at Bank Muamalat Indonesia and Taspen through a Maqashid Sharia lens, by examining governance structures, investment mechanisms, and the alignment of programs with welfare objectives and system sustainability. This qualitative case study relies on secondary data, including corporate profiles, portfolios, participant statistics, and financial reports of Taspen and DPLK Syariah Muamalat. The findings indicate that Taspen’s defined benefit, pay-as-you-go scheme provides benefit certainty for civil servants and their heirs, thereby fulfilling individual-level maslahah (hifz al-nafs, hifz al-nasl). However, from a macro-Maqashid perspective, it imposes a heavy fiscal burden on the state budget, undermines hifz al-mal at the state level, and exposes the state to governance and investment risks. Conversely, DPLK Syariah Muamalat program, grounded in sharia principles, supervised by a Sharia Supervisory Board, and operated under a defined contribution scheme with selectable investment packages, is more closely aligned with Maqashid Sharia (hifz al-din, al-mal, al-nafs, al-nasl, al-‘aql), although its outreach remains limited. The study recommends gradual reform toward a fully funded model based on business-to-business partnerships and sharia-compliant investment instruments as an alternative pension design that is more equitable, sustainable, and consistent with Maqashid Sharia.
The Authority of Judges in Applying Diversion to Children Facing Criminal Charges Carrying a Sentence of More Than Seven Years Redi Pirmansyah; Arifin, Muhammad Zainul; M. Iqbal
JUSTISI Vol. 12 No. 1 (2026): JUSTISI
Publisher : Fakultas Hukum Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/js.v12i1.4688

Abstract

The aim of this study is to analyze the implementation of diversion in juvenile crimes based on Law Number 11 of 2012 concerning the Juvenile Criminal Justice System (SPPA Law). The study method uses a normative legal method through a case study of legal behavior products. The novelty of this research lies in its in-depth analysis of the authority of judges in determining diversion for criminal acts with a maximum penalty of more than 7 years. Although normatively excluded by the UU SPPA, this is interpreted progressively using a restorative justice approach and the principle of the best interests of the child. The results of the research examine the discretion of judges in applying the principle of restorative justice in serious criminal cases that, according to the standard rules, are not eligible for diversion. Through a normative approach and empirical case studies, this research provides new insights and recommendations for reformulating more humane legal policies. The aim is to make the justice system more responsive to the protection of children's rights in accordance with national legal standards. Conclusion This study found that diversion under the SPPA is limited to criminal offenses carrying a sentence of less than seven years. However, Supreme Court Regulation (Perma) No. 4 of 2014 expands this scope, particularly in the case of mixed charges. This regulatory discrepancy creates a dilemma for judges in determining the appropriate legal reference. This inconsistency has an impact on legal uncertainty, where similar cases can receive different diversion treatments. Therefore, harmonization between the Supreme Court regulation and the SPPA Law is urgently needed to ensure equal justice for children.
Pengaruh Religiusitas, Persepsi Atribut Produk Dan Persepsi Nilai Terhadap Loyalitas Nasabah Pada Bank Syariah Indonesia Kantor Cabang Pembantu Palembang Ingek Kustrian; Zuul Fitriani Umari; M. Iqbal
Jurnal Publikasi Ekonomi dan Akuntansi Vol. 6 No. 1 (2026): Januari: Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jupea.v6i1.5177

Abstract

Banks are the most important financial institutions and play a vital role in everyone's life. The problem in this study is that the majority of Indonesia's population is Muslim. This large Muslim population in Indonesia is problematic because the large number of Muslims in Indonesia does not make Islamic banks a market winner. This study aims to determine the influence of religiosity, product attribute perceptions, and value perceptions on customer loyalty at Bank Syariah Indonesia, Palembang Branch Office. This study used a questionnaire as the research instrument. The method used in this study was quantitative. The results showed a positive and significant influence between religiosity and customer loyalty at Bank Syariah Indonesia's Palembang Branch Office. There was a positive and significant influence between product attribute perceptions and customer loyalty at Bank Syariah Indonesia's Palembang Branch Office. There was a positive and significant influence between value perceptions and customer loyalty at Bank Syariah Indonesia's Palembang Branch Office. There was a positive and significant influence between religiosity, product attribute perceptions, and value perceptions simultaneously on customer loyalty at Bank Syariah Indonesia's Palembang Branch Office.
Co-Authors Abdullah Abdullah Ade Setia Wati Adinda Putri Sitepu Agnes Natalia Sihombing Agnes Novita Br Simanjorang Ahmad Firdaus Lingga Aidonojie, Paul Atagamen Ajeng Lestari Al Zuhri Alfonsius Ligori Keer Amzar Rafie Anastasya Sembiring Andina Larasati Anggun Adelita Anisa Amelia Purba Anisa Putri Arini Maulida Sitepu Arini Surbakti Astri Astri Asty Almaida Azizan Hadi Baginda Hamzah Basania Nasution Beni Satria Berthauli S. Berthauli. S Chesio, Muhammad Rafli Clarissa W Manawan Dalimunthe, Erpandi Dalimunthe, Fitri Zalita Daniel Fransisto Hutabarat Danyl Mallisza Darmansyah Darmansyah Dea Sinta Mirela Dedek Fania Dedi . DEKY, DEKY ANWAR Devi Agustini Dewi Wulandari Dewirman Prima Putra Diem, M. Junestrada Dina Maharani Dules Ery Pratama Dwi Urip Wardoyo Edy Kurniawan Efrin Canella Elisman Pangodiyan Siregar Elrisa Barus Enjelita Dwi Maharani Fachry Abda El Rahman Fahira Silva Dilla Nst Farhan Miswari Farhanah Ramdhani Sumardi Fatma Anggraini Lubis Fauziah Amarani Fauziah Fauziah Fernandho Fitrah Nabila Aini Gina Fadhila Hamdani, Almanna Fikri Hasibuan, Syahir Afwan Hermansyah Alam Hilda Hilda Ida Fitri Anggarini Ingek Kustrian Insany Fitri Nurqamar Irfan Noor Irhammudin Isabel Maria Isnawati Osman Ivana Theo Philia Iwidya Risti Sinaga Jannah Miftahul Jesicana Silaban Jodi Heryansah Juwita Anggraini Khairan Tuahdi Lisa Alfira Andini Liska Lestari M. Rasyid Redho M. Tauhid S Maftukhatusolikhah Magdalena Friskayanti Manalu Maharani Alya Maharani Syabila JR Manurung, Lora Regina Mgs Muhammad Nur Ramadhan Mhd Erpandi Dalimunthe Mhd Rizki Khairi Mikha Valdo Tambunan Mikhael Sebayang Miming Kartika Olivia Silitonga Misla, Misla Nurhasanah Moh. Ali Ridho Moy Diva Yella Muhamad Rahman Bayumi Muhammad Afdil Muhammad Ali Muhammad Bahrul Ilmi, Muhammad Bahrul Muhammad Faris Afif Muhammad Hasan Asy Ary Muhammad Zainul Arifin Muhlis Muknizar, Muknizar Mutiah Khaira Sihotang Naurah Nia Anjunita Sari Purba Novita Harini Novy Ayu Trisna Nur Cahyu Azizah Nuraeni Kadir Nurul Latifah Hamzah Okky Budi Nurlita Paizaluddin PAMUJI Putri Pelangi Putri Utami Damayanti PUTRI, RAFIKA Putriana Sinaga Rafi Raihan Kholid Rahmaniar Rahmaniar, Rahmaniar Ramadhani Adinda Suci Redi Pirmansyah Rejeki Karina Banurea Rendiano Rendiano Reni Ilma Sari Resti Yurillita Retno Aprilla Hardi Reynaldi Prameswara Reysa Zivana Hafiza Reza Praditya Pradana Rifdah Atika Pasaribu Rini Sarianti Rinol Sumantri Riris Bintang Risal Abu Riska Riza Kania Rizka Dwi Rahmadayana Rizky Khadijah Ade Robi Arianto Rolis Romaito Reni Rudi Yacuub Ruth Hanna Sihombing Ruth Yessika Siahaan Sabriadi Safrina Safitri Said Abdullah Syahab Salsabila Amanda Salsabila Aura Santi Theresia Sinurat Saqinah Aifi Kirmala Sari Dyah Mutia Sari, Ajeng Permata Sariana Sitepu Greciya Febina Siti Sofia Sari Sri Muallimah Sri Rejeky Sitohang Suci Wulandari Sumardi . Syaefudin Syahri Ramadhan Syahrul Gunawan Syamsiar Zahrani Talita Sembiring Tari, Rizki Kurnia Tarigan Renita Maulidya Tesa Novia Siburian Theresia Mardiyana Tamba Ummi Amalia Upik Nurhasanah Uswah Hasanah Viola Aysiah Wahda, Wahda Wahyudi Nasution Wardhani Hakim Warikon Wasi Yakinda Benianfi Munthe Yolanda Adista Septiani Aksa Zuul Fitriani Umari ‘Ashriyani Fadhilah