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Islamic Financial Literacy and the Utilization of Islamic Microfinance Products A Phenomenological Study of Low-Income Communities in Geragai District Baharudin; Wargo; Kuswanto
Zabags International Journal of Economy Vol. 4 No. 1 (2026): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v4i1.123

Abstract

Low levels of Islamic financial literacy among low- to middle-income communities remain a major challenge in optimizing the utilization of Islamic microfinance products. This condition often leads to pragmatic usage patterns that do not fully reflect an understanding of the underlying Sharia principles and contractual mechanisms. This study aims to examine in depth the level of Islamic financial literacy within the community and its relationship with the utilization of Islamic microfinance products. The research adopts a qualitative approach with a phenomenological design, focusing on the lived experiences and subjective interpretations of low-income community members as users and prospective users of Baitul Maal wat Tamwil (BMT) and Islamic cooperatives in Geragai District. Primary data were collected through observation, in-depth interviews, and documentation, and analyzed using source and method triangulation techniques. The findings indicate that community-level Islamic financial literacy remains at a basic level, particularly regarding the understanding of Sharia principles and akad (Islamic contracts), which significantly influences utilization patterns that are largely functional rather than optimal. These results underscore the importance of contextual, community-based Islamic financial education in strengthening sustainable Islamic financial inclusion and contribute empirically to the growing body of literature on Islamic financial literacy grounded in community experience.
Analisis Yuridis Terhadap Penggunaan Narkotika Jenis Tembakau Sintetis (AB-CHMINACA) : (Studi Putusan Nomor 665/Pid.Sus/2025/PN Tjk) Rodhia Al Munawwaroh; Baharudin; Zainudin Hasan
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 2 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i2.4410

Abstract

Penyalahgunaan narkotika di Indonesia menunjukkan perkembangan yang semakin kompleks seiring dengan munculnya jenis narkotika baru, salah satunya narkotika jenis tembakau sintetis yang mengandung senyawa AB-CHMINACA. Senyawa ini termasuk dalam kelompok synthetic cannabinoid yang memiliki efek psikoaktif menyerupai ganja, namun dengan tingkat potensi dan risiko yang jauh lebih tinggi. Keberadaan tembakau sintetis menimbulkan tantangan tersendiri dalam penegakan hukum karena bentuk dan cara peredarannya sulit dikenali serta sering kali belum sepenuhnya dipahami oleh masyarakat. Kondisi tersebut berimplikasi pada proses pembuktian unsur tindak pidana serta penerapan pertanggungjawaban pidana terhadap pelaku. Adapun permasalahan ini yaitu faktor-faktor yang menyebabkan terjadinya penyalahgunaan narkotika jenis tembakau sintetis (AB-CHMINACA) dalam mengkaji pertanggungjawaban pidana terhadap pelaku berdasarkan Putusan Nomor 665/Pid.Sus/2025/PN Tjk. Metode penelitian yang digunakan adalah pendekatan yuridis normatif dan pendekatan empiris. Pendekatan yuridis normatif dilakukan dengan mengkaji peraturan perundang-undangan yang berkaitan dengan narkotika, khususnya Undang-Undang Nomor 35 Tahun 2009 tentang Narkotika, serta putusan pengadilan yang relevan. Pendekatan empiris dilakukan untuk melengkapi data melalui informasi dari aparat penegak hukum yang berkaitan dengan penanganan perkara narkotika. Hasil penelitian menunjukkan bahwa terjadinya penyalahgunaan narkotika jenis tembakau sintetis dipengaruhi oleh beberapa faktor, antara lain faktor kepribadian dan rasa ingin tahu, faktor lingkungan sosial dan pergaulan, faktor ekonomi, serta faktor kemudahan memperoleh bahan baku dan peredaran melalui media sosial.Selain itu, pertanggungjawaban pidana terhadap pelaku dalam Putusan Nomor 665/Pid.Sus/2025/PN Tjk telah didasarkan pada pemenuhan unsur-unsur tindak pidana narkotika serta didukung oleh alat bukti yang sah. Penerapan ketentuan pidana dalam putusan tersebut dinilai telah mencerminkan upaya penegakan hukum yang memberikan kepastian hukum, keadilan, dan kemanfaatan dalam penanggulangan tindak pidana narkotika.
IMPLEMENTASI KAMPUS BERKELANJUTAN BERWAWASAN LINGKUNGAN DI UIN RADEN INTAN LAMPUNG Apriyani, Hikma; Muhammad Ilham Jaya Kesuma; Muhammad Al Imron; Ali Murtadho; Baharudin; Ikhsan Mustofa
Irfani Vol. 20 No. 2 (2024): Irfani
Publisher : LP2M IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ir.v20i2.5862

Abstract

The purpose of this research is to examine the development of the green campus at UIN Raden Intan Lampung. This is due to the fact that sustainable campus development is very important to support sustainable development and reduce the negative impact it has on the environment. One of the data collection methods used in this qualitative research is interviews with informants involved in the development of the Green Campus. The results show that UIN Raden Intan Lampung has developed a Green Campus strategy through the "Six in One" program and has achieved a ranking of 18th nationally and 71st globally in the UI Green Metric. The main obstacles faced are the limited human resources and public awareness. In conclusion, the green campus of UIN Raden Intan Lampung has shown significant progress. To ensure the sustainable development of the campus, more human resources and increased public awareness are needed.
PENDIDIKAN ISLAM BERWAWASAN LINGKUNGAN STUDI KASUS SMP 1 PARDASUKA Ependi, Asip; Raba Pramodana, Dimas; Fadli, Ahmad Ilham; Murtadho, Ali; Baharudin; Ikhsan Mustofa
Irfani Vol. 20 No. 2 (2024): Irfani
Publisher : LP2M IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ir.v20i2.5895

Abstract

The purpose of this research is to evaluate the effectiveness of the school environmental program in raising the awareness of students at SMP Negeri 1 Pardasuka about their environment. The background of this research is the importance of environmental awareness to anticipate environmental changes worldwide. The research method used is qualitative with data collection techniques through interviews with the Student Affairs Representative of SMP Negeri 1 Pardasuka and direct observation. The research results show that school environmental programs such as greening programs, hydroponics, and contextual learning effectively increase students' environmental awareness. The conclusion of this research is that school environmental programs need to be conducted sustainably and systematically to enhance students' environmental awareness. This research contributes to the development of effective and sustainable environmental education strategies.
Learning Outcomes of Islamic Education and Character Building: How Effective Is the Aptitude-Treatment Interaction (ATI) Model? Suci Amellia; Baharudin; Deden Makbuloh; Saputra, M. Indra
Tadris: Jurnal Keguruan dan Ilmu Tarbiyah Vol 11 No 1 (2026): Tadris: Jurnal Keguruan dan Ilmu Tarbiyah
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/tadris.v11i1.28892

Abstract

This study examines the pedagogical value of the Aptitude–Treatment Interaction (ATI) learning model in supporting higher-order evaluative thinking skills (C5) within Islamic Religious Education (IRE). A quantitative quasi-experimental design with a posttest-only control group was employed to compare learning outcomes between students taught using the ATI model and those taught through a conventional expository approach at SMP Negeri 21 Bandar Lampung. Data were analyzed using an independent sample t-test. The results indicated no statistically significant difference in evaluative learning outcomes between the experimental and control groups (p = 0.279). Nevertheless, classroom implementation revealed that the ATI model enhanced student engagement, participation, and motivation by aligning instructional treatments with students’ aptitude levels. These findings suggest that the instructional benefits of ATI may not be fully reflected through outcome-based statistical comparisons alone, particularly when assessing complex cognitive processes such as evaluative thinking. The theoretical contribution of this study lies in extending the ATI framework to higher-order cognitive assessment (C5) within IRE, an area that has received limited empirical attention. Rather than functioning solely as an outcome-enhancing model, ATI is positioned as an adaptive instructional mechanism that supports differentiated learning processes and meaningful engagement in value-oriented subjects.
Co-Authors A Gani, A A.Ikhlas Muhtar Hadi Abd. Rahman Hamid Abda Abda Agus Pahrudin Agus Purwantara Agus Susanti Ahmad Redho Qurrota A’yun Ahmad Saeful Ahyar Ahmad Saipul Anwar, Ahmad Saipul Aidin Aisyah Putri, Febrianita Akhmad Zulkifli Alfiyan, Angga Ali Murtadho Ali Murtadho Amia Kasmila Amin Nuroni Amiruddin, Esa Penilta Andi Kurniawan Angga Pratama Anggil Viyantini Kuswanto Apita, Desma Hemaliyah Aprinisa Apriyani, Hikma Asip Ependi Asmara Hayati Asmara, Dea Astuti, Priscilla Eka Azet Sampurna Bagas Armayoga Baharudin Adu Bavitra, Bavitra Burhanudin Khairi Deden Makbuloh Devi Sela Eka Selvia Dian Andesta Bujuri DIAN LESTARI Didik Wahyudi Dimas Saputra Dyah Fathimah, Ayu Ependi, Asip Era Octafiona Erlina B Erliyana Ermanita Permatasari Etika Afdila Fadila Rahmah Fadli, Ahmad Ilham Fajarwati, Desi Farida Farida Fifi Risana HAMIDAH hani, Luthfia Hanifatus Saiyidah Herlina Hizam, Ibnu Husni Thamrin Husnilawati Icha Mufassiroh Asy-Syauqi Ida Faridatul Hasanah Ida Fiteriani Ida Fiteriani, Ida Fiteriani Ihsan Mustofa Ikhsan Mustofa Imam Syafei Imam Syafe’I Imam Syafi’i Irdiyana Rizqi, Diah Kifly, Windy Kuswanto Kuswanto, Riyan Terna Leo Anaris Sakti Listiyani Siti Romlah Marsya Nada, Nabilla Maylia Khairunnisa Baher Mega Palyanti Misnah Irvita Mohamad Rahmad Suhartanto Muhamad Satria Wardana Muhammad Abiyyu Alharits Muhammad Adib Muhammad Al Imron Muhammad Ilham Jaya Kesuma Muhammad Muchsin Afriyadi Muhammad Rifkhi Maulana Nena Ayu Agustin Nining Syafitri Novitriani, Ganis Nur Asiyah NUR HASANAH NURUL AZIZAH NURUL AZIZAH Pratiwi Putri Aulia Putri, Umi Lailatul QONITA Raba Pramodana, Dimas Rahmatia Rahmatia Rahmiati Ranti Pawari Ramadani, Bagus Ramadhan, Ahmad Faisal Rangga Bagaskara, Figo Rifda El Fiah Risma Peranita Risti Dwi Ramasari Riyadi, Imam RIYAN TERNA KUSWANTO Rodhia Al Munawwaroh RR. Ella Evrita Hestiandari Rudi Irawan Rudy Irawan Saifullah Saliman Saliman Sanaria Maneba Sapitri, Vera Saputra, M. Indra Saputra, Tegar Arif Sardiana Satriyas Ilyas Sa’idy Septia Ernita Shabira, Qonita Siti Zulaikhah Subandi Suci Amalia Suci Amellia Sukrisno, Wijayono Hadi Susilawati, Beti Syaiful Anwar Syifaul Karima Tami Rusli Tegar Arif Saputra Terna Kuswanto Ulfah Hidayati Umi Afifah Umi Hijriah Umi Hijriyah USWATUN HASANAH Uswatun Hasanah, Ida Faridatul Hasanah Vera Yantika, Ade Wahyuddin Waluyo Erry Wahyudi Waode Hanafiah Wargo Yandi Yuberti Yuli Yanti Yunanda, Shopi Zahara Zahra Rahmatika Zainudin Hasan Zainuri Zulkarnaen Zaki Ihwan Zjulpi Andriansah Zulhanannan Zulhannan Zulkifli Zulkifli, Muhamad Aziz