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Consumer Behavior of Non-Muslim Costumer Post Communal Conflict (1999-2000) in Bank Syariah Indonesia branch Tobelo North Halmahera Umasugi, Nirwan; Quilim, Cici Aryansi
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 1 (2022): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i1.3832

The inter-religious conflicts between Islam and Christianity (1999-2000) in North Halmahera had negative impact on the community such a destructive impression. The existence of Bank Syariah Indonesia branch Tobelo as part of the manifestation of Islamic law, has its own challenges in dealing with psychological trauma for non-Muslims. However, Bank Syariah Indonesia branch Tobelo still a special attraction as the number of customers has increased every year and shows the behavioral change of non-Muslim. The research aims to analyze the factors of consumer behavior such as profit sharing, business factor, social factors and personal factors influence the customer decisions in choosing to save at Bank Syariah Indonesia branch Tobelo after the 1999-2000 Communal Conflict. Through the multiple regression linear by SPSS ver.22, the author tries to find out the effect of profit sharing, business factor, social factor, and personal factor towards the interest of non-Muslim costumer. The result shows there is 70.9% of simultaneously effect towards the interest of non-Muslim costumer, meanwhile partially just business factor which has not shown any effect towards interest of non-Muslim costumer.

PERAN NAZHIR DALAM PENGELOLAAN WAKAF PRODUKTIF PADA YAYASAN KESEJAHTRAAN NURUL BAHAR TOMALOU KOTA TIDORE KEPULAUAN Gunawan, Fahmi; Mahmud, Adnan; Umasugi, Nirwan
Indonesian Journal of Shariah and Justice Vol. 2 No. 2 (2022)
Publisher : Program Studi Hukum Keluarga dan Hukum Ekonomi Syariah, Program Pascasarjana Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/ijsj.v2i2.39

Waqf management lies in the existence of waqf managers, especially nazhir and a solid work team to maximize the role of waqf. If waqf is managed professionally, then it will become a potential Islamic institution that functions to fund and develop the people's economy. Therefore, the progress of waqf is largely determined by the good and bad management of waqf management. And also the waqf institution is a religious institution that has potential and economic benefits that need to be managed effectively and efficiently for the benefit of worship and advancing public welfare. The social welfare of the community that is expected cannot be realized optimally if Nazhir does not carry out his duties optimally, what is Nazhir's role in managing productive waqf at the Nurul Bahar Tomalou Welfare Foundation, Tidore City, the purpose of management is to realize the welfare of the people. Waqf has a dual function, namely the function of worship and social function. In the function of worship, waqf aims to be a provision for wakif in the afterlife because the reward continues to flow during mawqûf bih. In its social function, waqf plays a role in creating the welfare of the people when the nazhir's role is in optimal management by the nazhir. In accordance with the law. The research used is field research, namely research that seeks to find primary data obtained directly from productive waqf implementation activities. The results of research on the role of a nazir on waqf management carried out by nazirs in a professional manner provide opportunities for waqf development to be more productive, as well as provide opportunities for the application of modern management principles. Within this framework, nazhir should try to show the best possible waqf performance.

PRAKTIK POLIGAMI TANPA IZIN DI BACAN TIMUR HALMAHERA SELATAN Coronas, Ahmad Abdullah; Sanmas, Abu; Umasugi, Nirwan; Harwis, Harwis; Abubakar, Fatum
Indonesian Journal of Shariah and Justice Vol. 3 No. 1 (2023)
Publisher : Program Studi Hukum Keluarga dan Hukum Ekonomi Syariah, Program Pascasarjana Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/ijsj.v3i1.48

The practice of polygamy without a permit in the East Bacan District, South Halmahera Regency. This study aims to find the main issues that underlie the occurrence of the practice of polygamy without a permit in the East Bacan District, South Halmahera Regency. This study is field research. The research method used is descriptive qualitative research, namely a type of research that provides a systematic and factual description of situations and events regarding factors, characteristics and relationships between phenomena, with theoretical, normative and empirical juridical approaches. This study concluded that the implementation of polygamy without a permit in East Bacan District was carried out through cases of premarital pregnancy and coupled with low public awareness regarding the importance of marriage procedures. The limited budget and human resources owned by the East Bacan District KUA in conducting outreach to the people of East Bacan District have triggered the lack of attention from the Office of the Religious Affairs Office of Bacan District to minimize the incidence of polygamy without a permit in East Bacan District. The implementation of polygamy without a permit in East Bacan District had legal impacts, including the weak legal status of marriage, the absence of birth certificates for children born in polygamous marriages without permission.

Changes in the status of waqf: Understanding of the Community Living in the Santiong Cemetery Land Waqf Umasugi, Nirwan; Nasim, Abu Sahman
Bilancia: Jurnal Studi Ilmu Syariah dan Hukum Vol. 19 No. 1 (2025): Bilancia: Jurnal Studi Ilmu Syariah dan Hukum
Publisher : Fakultas Syariah Institut Agama Islam Negeri Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/blc.v19i1.3908

This study investigates the contested status of waqf land designated for the Santiong Village Public Cemetery (TPU), which has been occupied by community members for housing, creating a conflict over its intended use. The research aims to analyze the legal status of this waqf land from an Islamic law perspective and to assess the resident community's understanding and perception of its function and empowerment principles. Using a quantitative method, data was collected via questionnaires distributed to a sample of 50 residents living on the waqf land. The research reveals two primary issues. First, the legal status of the waqf land is precarious; it lacks an official certificate from the Land Agency and relies solely on a Notary Deed held by the An-Nur Foundation, the acting nazhir (manager). Second, community understanding of waqf principles is low, with a majority of residents (66%) not providing empowerment benefits to the nazhir5. Despite these legal and social challenges, the study concludes that the waqf land possesses significant potential for future development. This potential is based on indicators such as the positive character of some respondents toward waqf and the prospective economic empowerment of the community.

Implementasi Pendidikan Agama Islam Dalam Membangun Nilai-Nilai Relegius Peserta Didik Di SMAN 8 Kota Ternate Samad, Khaeria A.D.; Agus, Agus; Ilyas, Usman; Zein, Muhammad; Saumur, Amanan S; Alhadar, Muhdi; Umasugi, Nirwan
Jurnal Ilmiah Wahana Pendidikan Vol 11 No 6.D (2025): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

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

This study aims to analyze the implementation of Islamic Religious Education (PAI) in fostering students’ religious values at SMA Negeri 8 Kota Ternate, identify its challenges, and formulate effective improvement strategies. A descriptive qualitative approach was employed using observation, in-depth interviews, and document analysis. The results show that PAI is implemented through both intraclass and extracurricular activities in an integrated manner, with the teacher playing a central role as a role model. Internal challenges include students’ low spiritual awareness and lack of religious practice at home, while external challenges involve limited facilities and low parental involvement. To address these issues, the school applies strategies such as religious habit formation, integration of religious values across subjects, student leadership in spiritual activities, and partnerships with parents and the community. Effective implementation of PAI requires a comprehensive synergy among all educational elements

PENGUATAN MODERASI BERAGAMA BAGI MAHASISWA IAIN TERNATE DALAM MENANGKAL RADIKALISME Giling, Mustamin; Adam, Adiyana; Burhan, Burhan; Asmiraty, Asmiraty; Hedi Turmudi, Asep; Umasugi, Nirwan; Djakat, Muhrim
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 8, No 5 (2025): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v8i5.1971-1982

Radikalisme di kalangan mahasiswa menjadi tantangan serius dalam menjaga harmoni sosial dan keberagaman di lingkungan akademik. Pengabdian kepada masyarakat ini bertujuan untuk memperkuat moderasi beragama bagi mahasiswa IAIN Ternate guna menangkal paham radikal. Kegiatan ini menggunakan pendekatan Service Learning (SL) dengan dua metode utama, yaitu aksi nyata di masyarakat dan refleksi akademik. Mahasiswa terlibat dalam diskusi interaktif, lokakarya, serta kampanye moderasi beragama yang diterapkan di lingkungan kampus. Hasil evaluasi melalui pre-test dan post-test menunjukkan peningkatan signifikan dalam pemahaman mahasiswa terhadap konsep moderasi beragama (dari 62% menjadi 89%), sikap toleransi (dari 70% menjadi 91%), serta kesadaran akan bahaya radikalisme (dari 58% menjadi 87%). Selain itu, kesiapan mahasiswa untuk menjadi agen moderasi beragama meningkat dari 55% menjadi 85%. Program ini menunjukkan efektivitas pendekatan SL dalam membangun pemahaman kritis dan kesadaran mahasiswa terhadap pentingnya moderasi beragama dalam kehidupan berbangsa dan bernegara.

Changes in the status of waqf: Understanding of the Community Living in the Santiong Cemetery Land Waqf Umasugi, Nirwan; Nasim, Abu Sahman
Bilancia: Jurnal Studi Ilmu Syariah dan Hukum Vol. 19 No. 1 (2025): Bilancia: Jurnal Studi Ilmu Syariah dan Hukum
Publisher : Fakultas Syariah Institut Agama Islam Negeri Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/blc.v19i1.3908

This study investigates the contested status of waqf land designated for the Santiong Village Public Cemetery (TPU), which has been occupied by community members for housing, creating a conflict over its intended use. The research aims to analyze the legal status of this waqf land from an Islamic law perspective and to assess the resident community's understanding and perception of its function and empowerment principles. Using a quantitative method, data was collected via questionnaires distributed to a sample of 50 residents living on the waqf land. The research reveals two primary issues. First, the legal status of the waqf land is precarious; it lacks an official certificate from the Land Agency and relies solely on a Notary Deed held by the An-Nur Foundation, the acting nazhir (manager). Second, community understanding of waqf principles is low, with a majority of residents (66%) not providing empowerment benefits to the nazhir5. Despite these legal and social challenges, the study concludes that the waqf land possesses significant potential for future development. This potential is based on indicators such as the positive character of some respondents toward waqf and the prospective economic empowerment of the community.

A Review of Sharia Economic Law on the Fish Price Determination Mechanism Between Fishermen and Suppliers Untung, Ahmad; Umasugi, Nirwan; Marasabessy, Zainal Abidin; Wajo, Abd. Rauf; Jasmin, Jasmin; Ahmad, Samlan; Harwis, Harwis
Global Education Journal Vol. 3 No. 1 (2025): Global Education Journal (GEJ)
Publisher : Civiliza Publishing, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/gej.v3i1.588

A Review of Sharia Economic Law on the Fish Pricing Mechanism between Fishermen and Suppliers at the Independent Tuna Fishermen's Cooperative in Jikotamo Village. This study aims to analyze the fish pricing mechanism between fishermen and suppliers in Jikotamo Village and review these practices from the perspective of Sharia economic law. The research method uses a qualitative approach with a focus on the Independent Tuna Fishermen's Cooperative in Jikotamo Village, South Halmahera Regency. Data were collected through in-depth interviews and field observations, then analyzed using Sharia economic principles related to justice, transparency, and the prohibition of riba and gharar practices. The results show that the market structure is uncompetitive with dominant suppliers determining prices unilaterally. This imbalance results in a disproportionate distribution of added value, with fishermen receiving a relatively small share of the total added value. From the perspective of Sharia economic law, the fisheries supply chain has met the requirements for transaction validity (sahih) in muamalah fiqh, but needs improvement in information transparency, fair distribution of profits, and resource efficiency. The study recommends implementing a transparent pricing information system, strengthening the capacity of fishing cooperatives, subsidizing production inputs, and establishing direct partnerships with companies.

ZAKAT PRODUKTIF UNTUK KEMANDIRIAN DAN KETAHANAN PANGAN MUSTAHIK BAZNAS KOTA TERNATE Ismail, Arif; Syaifuddin, Syaifuddin; Ar Husein, Muhammad; Abbas, Sofyan; Umasugi, Nirwan; Alhadar, Mudi; Hi M.A. Hi Abdullah, Baharuddin
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 8, No 6 (2025): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v8i6.2187-2200

Penelitian berbasis pengabdian kepada masyarakat ini bertujuan untuk memotret dan memetakan peluang dan tantangan dalam manajemen zakat produktif yang dilakukan oleh BAZNAS (Badan Amil Zakat Nasional) kota Ternate. Kemandirian dan ketahanan pangan menjadi isu penting dalam meningkatkan peran lembaga pengelola zakat mentransformasikan mustahik menjadi muzaki. Zakat produktif dalam khazanah pengelolaan zakat di Indonesia mengalami perkembangan ke arah yang positif. Kehadiran negara melalui undang undang zakat yang mengatur secara jelas lembaga lembaga pengelola zakat, ruang lingkup, kewenangan dan lain sebagainya memberikan ruang improvisasi manajemen zakat di Indonesia. Penelitian ini menggunakan metode kualitatif lapangan berbasis pengabdian masyarakat. Hasil penelitian ini menyimpulkan bahwa, zakat produktif yang dikelola oleh mustahikÂ BAZNAS kota Ternate mempunyai pengaruh sedang terhadap kemandirian dan ketahanan pangan. Terdapat faktor lain yang perlu dipertimbangkan untuk meningkatkan efektifitas bantuan dalam mencapai tujuan. Dengan demikian, program zakat produktif memerlukan perbaikan dalam implementasi dan pendampingan agar dapat memberikan dampak yang lebih nyata bagi kemandirian mustahik. Namun, hasil ini juga menyoroti pentingnya kolaborasi antara BAZNAS, pelaku mustahik, dan pihak lain dalam mendukung program pemberdayaan ekonomi berbasis zakat.

Hard Skill Dan Soft Skill Pada Distribusi Kinerja Pembangunan Ekonomi Daerah Umasugi, Nirwan; Wajo, Abd. Rauf; Nasim, Abu Sahman
Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory Vol. 2 No. 4 (2024): This volume covers topics such as women's rights, inheritance law, crime preven
Publisher : Sharia Journal and Education Center Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ijijel.v2i4.733

Abstract Analysis of the repetition of rent in civil law in terms of Islamic law, with the provision that the use of the leased goods must be in accordance with the use of the leased, through a mutual agreement and in the bond of the agreement there should be no things that violate the rules in Islamic law. The purpose of this research is to analyze the repetition of rent in Civil law in terms of Islamic Law, and see the lease system, especially regarding the repetition of rent according to Islamic law and according to Civil law and compare it both in terms of similarities, differences and application. This research is a qualitative study with a normative approach in studying civil law literature (agreements) by collecting primary data through available sources, then conducting a study or assessment of the scope of the civil law regulation based on Islamic legal thought. Data processing uses a system of direct quotes and indirect quotes. Data analysis uses inductive, deductive and comparative thinking techniques. The results showed that; Civil law in the regulation and application has not been based on the benefit of humans / society but more pressure on certain parties (creditors or owners in leases) so that it can cause feelings of dependence or harm to other parties and more directed to material life and not based on humanity. Civil law in its regulation has not yet reached, a sense of justice and the benefit of the wider community will not be achieved, conducting leasing activities by mutual agreement on the basis of mutual assistance, that leasing is justified and even must always be held. And the permissible repetition of rent such as a person renting a large house, then the rooms are rented out again to others by getting profit from the rental is permissible. Keywords: Repetition of Rent Civil Law, Islamic Law Abstrak Analisis tentang pengulangan sewa dalam hukum perdata tinjauan hukum Islam, dengan ketentuan bahwa penggunaan barang yang disewa tersebut harus sesuai dengan penggunaan yang disewakan, lewat suatu kesepakatan bersama dan dalam ikatan perjanjian tersebut tidak boleh ada hal-hal yang menyalahi aturan dalam hukum Islam. Tujuan penelitian ini untuk menganalisis pengulangan sewa dalam hukum Perdata ditinjau dari segi Hukum Islam, dan melihat sistem sewa-menyewa khususnya mengenai pengulangan sewa menurut hukum Islam dan menurut hukum Perdata serta membandingkanya baik dari segi persamaan, perbedaanya maupun penerapanya. Penelitian ini merupakan penelitian kualitatif dengan pendekatan normatif dalam mempelajari pustaka hukum Perdata (perjanjian) dengan melakukan pengumpulan data primer lewat sumber-sumber yang tersedia, kemudian melakukan kajian atau penilaian ruang lingkup pengaturan hukum perdata tersebut dengan berdasar pemikiran hukum Islam. Pengolahan data mengunakan sistem kutipan langsung dan kutipan tidak langsung. Analisis data mengunakan tehnik berfikir secara induktif, deduktif dan komparatif. Hasil penelitian menunjukkan bahwa; Hukum perdata dalam pengaturan maupun penerapan belum didasarkan kepada kemaslahatan manusia/masyarakat tetapi lebih menekan kepada pihak tertentu (kreditur atau pemilik dalam sewa-menyewa) sehingga dapat menimbulkan perasaan ketergantungan atau kerugian pada pihak lain serta lebih mengarah pada kehidupan material dan tidak didasari pada rasa kemanusiaan. Undang-Undang hukum Perdata dalam pengaturannya belum mencapai, rasa adil dan kemaslahatan masyarakat luas belum akan tercapai, melakukan kegiatan sewa-menyewa atas kesepakatan bersama atas dasar tolong-menolong, bahwa sewa-menyewa merupakan hal yang dibenarkan dan bahkan harus selalu diadakan. Dan pengulangan sewa yang dibolehkan itu seperti seorang menyewa rumah besar, lalu kamar-kamarnya disewakan lagi kepada orang lain dengan mendapatkan keuntungan dari persewaan tersebut dibolehkan. Kata Kunci: Pengulangan Sewa Hukum Perdata, Hukum Islam

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