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Photovoice: Fostering Speaking Skills among EFL Students in Kampung Inggris Transmigration through Storytelling L, Salsabila; Fajar, Ahmad; Ikhsan, Muhammad Miftahul; Fitringga, Muhammad Amar; Aisyah, Siti; Nasrullah, Nasrullah
REGISTER: Journal of English Language Teaching of FBS-Unimed Vol 12, No 4 (2023)
Publisher : Universitas Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24114/reg.v12i4.54281

Storytelling have already integrated in learning speaking with many advantages, the researchers apply it among EFL (English as a Foreign Language) students in Kampung Inggris Transmigration to fostering students' speaking skills. Utilizing the Photovoice methodology and the SHOWeD method, the study systematically explores the use of storytelling in language learners' speaking abilities. Participants of this study were 5 tutors and 30 students from two EFL classes in Kampung Inggris Transmigrasi. The findings highlight the pivotal role of storytelling in creating a dynamic and engaging learning environment that encourages active participation and collaboration. This research contributes to the field of language education by emphasizing the significant influence of storytelling on developing effective speaking skills in EFL students, offering insights into innovative methodologies for language acquisition.Keywords: Speaking Skills, Storytelling, and EFL Students

HEDGING SEBAGAI SOLUSI DARI PENGELOLAAN DANA HAJI Ikhsan, Muhammad Miftahul; Shofya Humaira Siti Salma; Jaih Mubarok; Sofyan Al-Hakim
El-Iqthisadi Volume 5 Nomor 2 Desember 2023
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.vi.43427

Abstrak Indonesia menjadi negara jumlah penduduk muslim terbesar dengan jumlah 240,62 juta jiwa. banyaknya muslim di Indonesia beribadah kerumah Allah melaksanakan ibadah haji. Jenis penelitian ini menggunakan penelitian kepustakaan yang mengambil data melalui informasi dengan mendapatkan bahan Pustaka, Teknik data yang telah didapatkan dengan mengkaji serta menganalisa, baik berbentuk buku, jurnal, hasil penelitian. Serta dengan menggunakan Teknik analisis deskriptif. Langkah pemerintah yakni membuat Lembaga yang khusus mengelola dana haji yakni Badan Pengelola keuangan haji. Bentuk pengelolaan dana haji merujuk pada Fatwa DSN No. 122 terkait pengelolaan biaya penyelenggaran ibadah haji dan BPIH Khusus bahwa akad yang dipakai dalam pengelolaan dana haji adalah wakalah. Pada dasarnya bahwa nilai uang dari tahun ke tahun akan menurun harganya karena disebabkan banyak hal salah satunya inflasi, untuk mengurangi penurunan nilai. Hedging (Lindung Nilai) ialah mekanisme atau Teknik dalam mengurangi resiko yang terjadi maupun yang diperkirakan akan terjadi karena fluktuasi nilai tukar. Mekanisme dari proses lindung nilai syariah atas nilai tukar dengan Akad al-Tahawwuth al-Basith, Para pihak saling berjanji baik secara tertulis maupun tidak untuk melaksanakan satu kali transaksi spot (pembelian serta penjualan mata uang asing sebagai penyerahan) dimasa yang akan datang sesuai dengan kesepakatan. Perlunya dilakukan hedging supaya ada keterikatan kontrak kita sebagai jamaah. Kata Kunci: Haji, Hedging, Pengelolaan Dana Haji Abstract Indonesia is the country with the largest Muslim population with 240.62 million people. This type of research uses literature research that takes data through information by obtaining library materials, data techniques that have been obtained by reviewing and analyzing, both in the form of books, journals, research results. As well as by using descriptive analysis techniques. The government's step is to create an institution that specifically manages Hajj funds, namely the Hajj Financial Management Agency. to reduce the decline in value. Hedging is a mechanism or technique in reducing risks that occur or are expected to occur due to exchange rate fluctuations. The mechanism of the Islamic hedging process on exchange rates with Akad al-Tahawwuth al-Basith, the parties mutually promise either in writing or not to carry out one-time spot transactions (purchase and sale of foreign currencies as delivery) in the future in accordance with the agreement. The need for Hajj fund management is carried out by hedging so that there is an attachment to our contract as pilgrims, represented by the Hajj Financial Management Agency to Saudi Arabia Where the exchange of currency from rupiah to riyal is not too high if something happens in the future. Keywords: Hajj, Hajj Fund Management, Hedging

Integrating Islamic Business Ethics in Labor Protection and Minimum Wage Determination in Indonesia Ikhsan, Muhammad Miftahul; Nuraeni, Neni; Meiriyanti, Deffa
Mu’amalah: Jurnal Hukum Ekonomi Syariah Vol. 3 No. 1 (2024)
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/muamalah.v3i1.8188

Policies related to the minimum wage are a contentious issue in employment across both developed and developing countries, aiming to meet community needs and benefit families. However, a research gap exists in applying justice and moral principles to wage determination from the perspective of Sharia economic law in Indonesia. This study aims to analyze fair wage components according to Islam and the role of business ethics in protecting workers and determining wages. Employing a literature review method, data were gathered from various sources such as books, journals, and previous research findings, which were reviewed and analyzed using descriptive analysis techniques. The study emphasizes the importance of justice and moral components in Islamic wage determination, rooted in the absolute essence granted by God, essential for morality. Business ethics in work protection and wage determination are crucial to ensure fair treatment and prevent exploitation. Recommended steps include optimal labor protection and wage determination, timely payment of agreed wages, recognition and guarantee of labor, fair wage determination without harm, and providing worker freedom. The study's novelty lies in integrating Islamic principles of justice and morality into minimum wage policies and developing practical business ethics guidelines for labor protection and wage determination under Sharia economic law in Indonesia.

Pemberdayaan Soft Skills Siswa SMPN 3 Banjarmasin melalui Pelatihan Desain Poster Berbasis Canva Cahaya, Noor; Mu’in, Fatchul; Noortyani, Rusma; Dewi, Dwi Wahyu Candra; Murdianingsih, Arum; Novitasari, Aulia; Wahyudin, Muhammad; Ikhsan, Muhammad Miftahul; Indriyani, Ade Ida
Jurnal Abdi Masyarakat Indonesia Vol 5 No 4 (2025): JAMSI - Juli 2025
Publisher : CV Firmos

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54082/jamsi.1610

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan soft skills siswa SMPN 3 Banjarmasin, khususnya dalam aspek kreativitas, komunikasi, berpikir kritis, dan kolaborasi (4C), melalui pelatihan desain poster menggunakan aplikasi Canva. Permasalahan yang dihadapi adalah rendahnya kemampuan siswa dalam menyampaikan pesan visual secara efektif serta keterbatasan dalam memanfaatkan teknologi desain grafis. Pelatihan dilaksanakan dalam tiga sesi utama: (1) penyampaian materi tentang prinsip dasar desain grafis dan penggunaan Canva, (2) praktik langsung pembuatan poster secara individu dan kelompok, serta (3) evaluasi hasil karya melalui pretest dan posttest. Evaluasi dilakukan dengan mengukur peningkatan pemahaman konsep desain dan kemampuan teknis siswa. Hasil evaluasi menunjukkan peningkatan signifikan dalam pemahaman siswa, dengan rata-rata skor pretest sebesar 50% meningkat menjadi 85% pada posttest. Selain itu, siswa mampu menghasilkan poster dengan komposisi visual yang baik, pemilihan warna yang harmonis, dan pesan yang komunikatif. Pelatihan ini juga mendorong kolaborasi aktif antar siswa dan meningkatkan literasi digital mereka. Dengan demikian, program pelatihan ini efektif dalam mengembangkan soft skills dan keterampilan digital siswa, memberikan kontribusi positif dalam mempersiapkan mereka menghadapi tantangan abad ke-21.

Innovating Murabahah through Hybrid Contracts: A Normative Juridical Analysis of Sharia-Compliant Financial Practices and Governance in Islamic Banking Siregar, Muhammad Islah; Ikhsan, Muhammad Miftahul; Abdurrahman, Nana Herdiana; Setiawan, Iwan; Fadillah, M Rizki
Strata Law Review Vol. 3 No. 2 (2025): September
Publisher : CV. Strata Persada Academia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59631/slr.v3i2.135

This study investigates the application of the hybrid contract concept in murabahah financing within Islamic banking, focusing on its legal validity, operational procedures, and compliance with Sharia principles. Hybrid contracts (al-‘uqud al-murakkabah), which integrate multiple contractual elements into a unified framework, have emerged as a significant innovation to address the limitations of conventional murabahah structures in meeting complex financing demands. Employing a normative juridical research design with a qualitative-descriptive approach, this research analyzes primary Islamic legal sources (Qur’an, Hadith, and classical fiqh), relevant regulations, and fatwas, particularly DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000, alongside secondary literature on Islamic finance. The findings reveal that the hybrid contract model, particularly al-murabahah wa ar-rahn (murabahah with collateral), is legally permissible and aligns with the maqasid al-shariah when implemented with full asset ownership and risk assumption by the bank prior to contract execution. The study contributes to the discourse on Sharia-compliant financial innovation by proposing standardized governance protocols, enhanced transparency, and adaptive legal frameworks to strengthen hybrid murabahah financing practices.

Penerapan Hybrid Contract Pada Produk Giro Di Perbankan Syariah Ikhsan, Muhammad Miftahul; Herdiana, Nana; Setiawan, Iwan
Mubeza Vol. 13 No. 2 (2023): September 2023
Publisher : IAIN Takengon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54604/mbz.v13i2.336

Lembaga keuangan syariah terus berupaya mengimplementasikan inovasi yang relevan dengan tuntutan era saat ini. Salah satu aspek inovatif yang menjadi fokus adalah penggunaan hybrid contract, di mana dua akad digabungkan dalam satu kesepakatan. Penelitian ini bersifat kepustakaan dan menggunakan metode pengumpulan data melalui analisis literatur dari berbagai sumber, termasuk buku, jurnal, dan hasil penelitian terkait. Teknik analisis deskriptif digunakan untuk mengkaji dan menganalisis informasi yang ditemukan. Perbedaan mendasar antara giro konvensional dan giro syariah terletak pada konsep operasional, di mana giro konvensional menggunakan bunga, sedangkan giro syariah menggunakan bagi hasil. Hybrid contract yang telah diterapkan dalam perbankan syariah adalah giro dengan kombinasi mudharabah dan wadiah. Simpanan nasabah diinvestasikan sesuai dengan prinsip Islam, menjadikannya pilihan yang sesuai dengan aturan dan memberikan alternatif terbaru. Inovasi semacam ini membantu lembaga keuangan syariah tetap mematuhi prinsip-prinsip syariah sambil tetap relevan dan dapat tumbuh di masa depan.

Bridging Ideology and Practice: A Policy Analysis of Pancasila Economy in Empowering Local MSMEs in Indonesia Ikhsan, Muhammad Miftahul; Rasyid, Fauzan Ali; Saleh, Chaerul; Fadillah, M Rizki
Strata Social and Humanities Studies Vol. 3 No. 2 (2025): October
Publisher : CV. Strata Persada Academia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59631/sshs.v3i2.131

Policies from political economy can have an overall impact on the state system, This type of research uses literature research that takes data through information by obtaining library materials, data techniques that have been obtained by reviewing and analyzing, both in the form of books, journals, research results. As well as by using descriptive analysis techniques. Emil Salim explained the characteristics of the economy based on Pancasila having a role, state and private businesses go hand in hand that can avoid monopoly. The economy of Pancasila is based on the principle of family. Society can be an important role, no longer moving individually. The state has a role to control natural resources but must be based on the implementation of rights and obligations with a maximum plan. Pancasila economy is a people-based economy where the community gets the core of the five precepts in the economy. The causes of MSMEs with local products are difficult to develop, namely: Limitations with financial access. Minimal distribution network. Managerial skills that have not been maximized. Fierce market competition. Limited infrastructure. Requires mentoring and training. Weak Marketing and Branding. Steps that can be used as recommendations are: providing easy access to capital. Provide training assistance, business managerial, marketing, branding. The government becomes a promotional medium to echo local products. The need for triplehelix cooperation between the government, society, media to echo local products. forming a tagline, by providing a promotional platform with local products.

Perlindungan Konsumen Dalam Pandangan Sosiologi Dan Antropologi Hukum Ekonomi Syariah Ikhsan, Muhammad Miftahul; Arifin, Tajul; Abdal, Abdal
Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 2 No. 1 (2023): Jurnal Hukum Ekonomi Syariah : AICONOMIA
Publisher : Fakultas Syariah IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/acm.v2i1.3121

sociology of Law is the study whose object is legal phenomena using the social sciences. The perspective used is seen from different sides. Because it refers to symptoms that occur in society. Anthropology is a scientific discipline whose focus of study lies on humans and culture in society. This type of research uses literature research that takes data through information by obtaining library materials, data techniques that have been obtained by reviewing and analyzing, both in the form of books, journals, research results. As well as by using descriptive analysis techniques. Consumer protection is all efforts made by the government to ensure legal certainty in providing protection to consumers. The UUPK outlines the rights and obligations of consumers and businesses. Consumer rights are divided into 9 points regarding security, comfort, consumer safety is an urgent matter in consumer protection. In sharia economic law, the stages that constitute legal protection can be given. In the study of Islamic fiqh related to the truth and accuracy of information When business actors promote their sales occupy at the study stage. In recent years Indonesia has experienced several phenomena that occur in the community, but these phenomena are negative because they make it difficult for people to carry out their activities such as hoarding masks, and hoarding cooking oil. The relationship between sociology of anthropology and Islamic economic law on consumer protection is that, phenomena that occur in society, can have an impact not on legal, religious, or social aspects. Referring to the issue of consumer protection on social media, there are three points that are the focus of the problem, namely the Revision of the Consumer Protection Law. Consumer protection of non-conforming goods (defective, different orders, fraud). Consumer protection of Financial Technology

Mediasi Sebagai Alternatif Penyelesaian Sengketa Ekonomi Syariah Ikhsan, Muhammad Miftahul; Mukhlas , Oyo Sunaryo; Sururie, Ramdani Wahyu
Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 1 No. 2 (2022): Jurnal Hukum Ekonomi Syariah : AICONOMIA
Publisher : Fakultas Syariah IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/acm.v2i2.3124

The establishment of Law Number 3 of 2006 concerning Religious Courts has increased the authority of religious courts, namely by resolving disputes from the sharia economy. Parties to the dispute can take a path that can be resolved, namely by litigation and non-litigation. There are several ways through non-litigation, such as mediation, negotiation, arbitration, and musharawah. However, the focus of this discussion is on mediation. Supreme Court Regulation Number 1 of 2016 concerning mediation procedures in court in article 1 point 1 states that mediation is one way to resolve disputes by negotiating to obtain agreement from two parties which will be assisted by a mediator. The necessity in conducting this mediation is a provision of article 10 of PERMA SES. This provision states that judges are required to seek peace first before hearing cases. Mediators in court have a vital role in the dispute resolution process from two parties Provide facilities for dialogue, neutrality, provide agreement facilities, encourage legal compliance, confidentiality, good communication skills, make agreements, stages of the mediation process, the first to fill out the form. Both parties may choose a mediator who is submitted to the judge. The initial stage in the mediation process is to provide a resume with a maximum of five days calculated to the mediator. Furthermore, the mediator mediates with negotiation material at an unlimited mediation meeting, both posita and petitum lawsuit, The mediation process takes place within thirty days calculated from the determination to carry out mediation, can be extended again for thirty days with the agreement of two parties. If within thirty days there is no sign of successful mediation, the process can be stopped immediately. If the mediation process has been carried out by the mediator and two parties, then the mediator will draw conclusions from mediation

Photovoice: Fostering Speaking Skills among EFL Students in Kampung Inggris Transmigration through Storytelling L, Salsabila; Fajar, Ahmad; Ikhsan, Muhammad Miftahul; Fitringga, Muhammad Amar; Aisyah, Siti; Nasrullah, Nasrullah
REGISTER: Journal of English Language Teaching of FBS-Unimed Vol. 12 No. 4 (2023)
Publisher : Universitas Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24114/reg.v12i4.54281

Storytelling have already integrated in learning speaking with many advantages, the researchers apply it among EFL (English as a Foreign Language) students in Kampung Inggris Transmigration to fostering students' speaking skills. Utilizing the Photovoice methodology and the SHOWeD method, the study systematically explores the use of storytelling in language learners' speaking abilities. Participants of this study were 5 tutors and 30 students from two EFL classes in Kampung Inggris Transmigrasi. The findings highlight the pivotal role of storytelling in creating a dynamic and engaging learning environment that encourages active participation and collaboration. This research contributes to the field of language education by emphasizing the significant influence of storytelling on developing effective speaking skills in EFL students, offering insights into innovative methodologies for language acquisition.Keywords: Speaking Skills, Storytelling, and EFL Students

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