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All Journal Martabe : Jurnal Pengabdian Kepada Masyarakat Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Ilmiah Wahana Pendidikan Al-Mizan: Jurnal Kajian Hukum dan Ekonomi Indonesian Journal of Shariah and Justice Bilancia : Jurnal Studi Ilmu Syariah dan Hukum
Umasugi, Nirwan
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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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

Abstract

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.
Pengulangan Sewa Dalam Hukum Perdata Tinjauan Hukum Islam Umasugi, Nirwan
Al-Mizan: Jurnal Kajian Hukum dan Ekonomi Al-Mizan. Vol 10. No 01. ( 2024)
Publisher : Sekolah Tinggi Agama Islam Babussalam Sula

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Abstract

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. Hasil penelitian menunjukkan bahwa; Hukum perdata dalam pengaturan maupun penerapan belum didasarkan kepada kemaslahatan manusia/masyarakat tetapi lebih menekan kepada pihak tertentu (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.
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

Abstract

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

Abstract

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

Abstract

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.
Analisis Pengelolaan Keuangan Pondok Pasantren Hidayatullah Al Izzah Kota Sofifi Tidore Kepulauan (Tinjauan Hukum Ekonomi Syariah). Riyadi, Abdurrahim; Sirat, Abd.Hadi; Jasmin, Jasmin; Husen, Muh.AR; Saifuddin, Saifuddin; Umasugi, Nirwan; Alhadar, Muhdi
Al-Mizan: Jurnal Kajian Hukum dan Ekonomi Al-Mizan. Vol 11. No 01 ( 2025)
Publisher : Sekolah Tinggi Agama Islam Babussalam Sula

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Abstract

Pondok pesantren memiliki peran strategis dalam pendidikan dan ekonomi umat Islam, namun pengelolaan keuangan yang sesuai prinsip syariah masih menjadi tantangan. Penelitian ini menganalisis sistem pengelolaan keuangan di Pondok Pesantren Hidayatullah Al Izzah Kota Sofifi, Tidore Kepulauan, melalui pendekatan hukum ekonomi syariah. Dengan metode kualitatif dan analisis normatif-syar’i, penelitian menemukan bahwa pesantren telah berupaya menghindari transaksi ribawi dan menyimpan dana di bank syariah. Namun, transparansi pelaporan masih terbatas dan penggunaan dana wakaf belum sepenuhnya sesuai dengan prinsip syariah. Kesenjangan ini disebabkan oleh minimnya literasi keuangan syariah dan absennya dewan pengawas independen. Rekomendasi penelitian mencakup peningkatan tata kelola keuangan berbasis PSAK 109, optimalisasi wakaf produktif, dan digitalisasi laporan keuangan untuk meningkatkan akuntabilitas. Dengan demikian, pesantren dapat menjadi model tata kelola keuangan berbasis syariah yang berkelanjutan dan berkeadilan.
Kinerja Dewan Pengawas Syariah Bank Mikro Syariah (Studi Pada Bank Bprs Bahari Berkesan Kota Ternate Maluku Utara) Umasugi, Nirwan; Yusri, Sabian
Al-Mizan: Jurnal Kajian Hukum dan Ekonomi Al-Mizan. Vol 11. No 01 ( 2025)
Publisher : Sekolah Tinggi Agama Islam Babussalam Sula

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Abstract

Penelitian ini bertujuan untuk mengetahui mekanisme kerja dan efektivitas kinerja Dewan Pengawas Syariah (DPS) dalam mengawasi pelaksanaan pembiayaan rakyat syariah di BPRS Bahari Berkesan Kota Ternate. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif. Teknik pengumpulan data dilakukan melalui observasi, wawancara mendalam, dan dokumentasi. Hasil penelitian menunjukkan bahwa mekanisme kerja DPS meliputi pemberian opini syariah terhadap produk pembiayaan, pengawasan pelaksanaan akad, dan pelaporan evaluasi secara berkala. DPS juga terlibat aktif dalam memberikan rekomendasi pengembangan produk yang sesuai dengan prinsip-prinsip syariah. Meskipun terdapat beberapa kendala seperti keterbatasan waktu dan belum adanya pedoman internal yang baku, DPS dinilai cukup efektif dalam menjalankan perannya. Keberhasilan BPRS Bahari Berkesan dalam meraih penghargaan nasional menunjukkan bahwa pengawasan DPS berkontribusi terhadap tata kelola yang baik dan kepatuhan syariah dalam lembaga keuangan mikro syariah.
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

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Abstract

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

Abstract

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.
Co-Authors Adam, Adiyana AGUS AGUS Alhadar, Muhdi Alimuddin, Harwis Asmiraty, Asmiraty Burhan Burhan, Burhan Coronas, Ahmad Abdullah Djakat, Muhrim Fahmi Gunawan Fatum Abubakar Giling, Mustamin Hedi Turmudi, Asep Husen, Muh.AR ILYAS, USMAN Jasmin, Jasmin Mahmud, Adnan Nasim, Abu Sahman Quilim, Cici Aryansi Riyadi, Abdurrahim Saifuddin Saifuddin Samad, Khaeria A.D. Sanmas, Abu Saumur, Amanan S Sirat, Abd.Hadi Yusri, Sabian Zein, Muhammad