Article Per Year (5 Year)
p-Index From 2021 - 2026
3.763
P-Index
This Author published in this journals
All Journal Al-Hikmah: Jurnal Agama dan Ilmu Pengetahuan Adzkiya : Jurnal Hukum dan Ekonomi Syariah Hikmah KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH Budimas : Jurnal Pengabdian Masyarakat Al-Fikru: Jurnal Ilmiah JCDD EKSYA: Jurnal Ekonomi Syariah Islamic Circle Journal of Islamic Economics Lariba JIFTECH: Journal Of Islamic Financial Technology Maslahah: Jurnal Manajemen dan Ekonomi Syariah Sharia Economic and Management Business Journal (SEMBJ) Al-Iqtishad Jurnal Bisnis, Ekonomi Syariah dan Pajak Ambacang: Jurnal Inovasi Pengabdian Masyarakat BAABU AL-ILMI: Ekonomi dan Perbankan Syariah JIBF MADINA : Journal Islamic Banking and Finance Madina
Erpiana Siregar
Sekolah Tinggi Agama Islam Negeri Mandailing Natal
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

Published : 25 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 25 Documents
Search

 1   2   3 
The Existence of Islamic Boarding Schools in Shaping the Character of Students: Between Tradition and Modernization (Case Studies of Mushtofawiyah Islamic Boarding School and Darul Mursyid Islamic Boarding School) Siregar, Irma Suryani; Arwin, Arwin; Siregar, Erpiana; Siregar, Lina Mayasari
Al-Hikmah: Jurnal Agama dan Ilmu Pengetahuan Vol. 23 No. 1 (2026): Al-Hikmah: Jurnal Agama dan Ilmu Pengetahuan (AJAIP)
Publisher : UIR Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/ajaip.2026.vol23(1).25948

Abstract

Pesantren are the oldest Islamic educational institutions in Indonesia and play a central role in shaping the character of the Muslim generation. Amidst the development of globalization and modern technology, pesantren are required to maintain their Islamic scholarly identity while adapting to the competency requirements of the 21st century. This study analyzes the approach to character building of santri (students) at two types of pesantren in South Tapanuli: Pesantren Mushtofawiyah, which represents traditional pesantren, and Pesantren Darul Mursyid, which represents modern pesantren. Using a qualitative method with a case study design, data was obtained through in-depth interviews, participatory observation, and analysis of curriculum documents and character building programs. The results show that the Mushtofawiyah Islamic Boarding School develops the character of its students through mastery of classical Islamic texts, intense worship, simplicity, discipline, and the exemplary behavior of the kiai, thereby producing students who are religious, humble, and deeply rooted in classical Islamic tradition. In contrast, the Darul Mursyid Islamic boarding school applies an integrative approach that combines religious education, science, technology, foreign languages, and life skills so that students are more adaptive, communicative, and critical. The study concludes that both pesantren play a strategic role, but excel in different aspects. Moderate integration between tradition and modernization is seen as the ideal model for producing a generation of Muslims who are moral, critical, digitally literate, and ready to face global challenges.
Building Pesantren Independence Through Innovation in Pesantren Cooperatives Erpiana Siregar; Titi Martini Harahap; Resi Atna Sari Siregar
Al-Fikru: Jurnal Ilmiah Vol. 19 No. 2 (2025): Desember (2025)
Publisher : STAI Serdang Lubuk Pakam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51672/alfikru.v19i2.762

Abstract

This research departs from the challenges of modernization that affect the moral and spiritual values of the younger generation, including in the context of Islamic education. Pesantren, as educational institutions that have an important role in shaping the character of santri, face the need to become economically independent so as not to depend on government assistance. The purpose of this study is to analyze the model of pesantren economic independence through the management of pesantren cooperatives, as well as how these cooperatives can support the economic empowerment of pesantren and the surrounding community. This research uses a descriptive qualitative approach with data collection methods through interviews, observation, and documentation. The results showed that Al-Abraar Islamic Boarding School succeeded in developing several effective cooperative business units, such as oil palm plantations and animal husbandry, to support its economic independence. On the other hand, Musthafawiyah Islamic Boarding School faces obstacles in cooperative management due to limited licensing and management quality. The implication of this study is the importance of strengthening the managerial capacity and governance of cooperatives to achieve sustainable economic independence of pesantren.
Analisis Perkembangan Dana Pensiun Syariah di Indonesia: Analisis Perkembangan Dana Pensiun Syariah di Indonesia erpiana siregar
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 4 No. 2 (2023): JIBF MADINA TAHUN 2023
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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

Abstract

To ensure prosperity in a person's old age, every individual should prepare from an early age. To prepare for prosperity in old age, there is a financial industry that provides these services, namely pension funds. In Indonesia, pension funds are managed by the government and the private sector, such as BPJS Employment, which is a mandatory fixed contribution program for private and state-owned employees, Taspen, which is pension savings for civil servants and private pension programs, and ASABRI, which is the armed forces pension fund and pension funds for other financial institutions. Pension funds are managed using two principles, namely based on conventional principles which apply the interest system and sharia principles which apply sharia principles. Sharia pension funds were established in 2017, namely DPLK Muamalat in 2017, followed by DPLK Mandiri this year. In 2018 BNI also sold sharia investment packages. This year the OJK also approved the Jakarta Hospital Sharia Pension Fund. In 2019 OJK approved the Muhammadiyah Sharia Pension Fund. In 2020 OJK approved the Surakarta Muhamamadiyah Pension Fund. For clarity in sharia pension fund activities, it is centered on UPP No. 11 of 1992 concerning Pension Funds, then in 2013 DSN MUI fatwa No. 88 was issued concerning Management of Sharia Pension Funds, then in 2016 POJK No. 33 /POJK.05/2016 concerning Sharia Business Units.
Reconfiguration of the Banking Intermediation Model in the Era of Digital Disruption: A Modern Financial Economics Perspective Rukiah; Riny Viri Insy Sinaga; Erpiana Siregar
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.1951

Abstract

Background: Background: Digital transformation has driven fundamental changes in the banking intermediation model, moving from a conventional, institution-based system to a more open and integrated digital financial ecosystem. The emergence of financial technology, big data, artificial intelligence, and blockchain has shifted the traditional role of banking toward platform-based models, raising important questions about how intermediation functions are being reconfigured and what implications this holds for the financial system. Method: This study employs a qualitative approach with a descriptive-analytical design using library research. Data were collected through documentation studies and systematic literature reviews of scientific journals, industry reports, and policy documents from the Financial Services Authority (OJK) and Bank Indonesia. Data analysis was conducted using interactive qualitative analysis techniques including data reduction, data presentation, and conclusion drawing, supported by thematic and conceptual comparative analysis. Results: The findings reveal a shift from bank-based intermediation to platform-based intermediation, where banks are transforming into orchestrators in the digital financial ecosystem through the integration of open banking and embedded finance concepts. Four driving factors were identified: technological development, changing customer behavior, fintech emergence, and regulatory policies. This transformation improves operational efficiency and financial inclusion but also presents new risks such as cyber risk, regulatory complexity, and potential systemic risk. Conclusion: The reconfiguration of banking intermediation represents a paradigm shift from centralized institution-based systems to hybrid network-based financial ecosystems. Adaptive strategies from banks and responsive policies from regulators are essential to balance innovation with financial system stability.
Lopo culture, Islamic social capital, and the sustainable development of the Mandailing coffee micro, small, and medium enterprise ecosystem Arwin, Arwin; Iska, Syukri; Siregar, Erpiana; Hader, Antik Estika
Journal of Islamic Economics Lariba Vol. 12 No. 2 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss2.art35

Abstract

IntroductionMandailing Coffee is internationally recognized, yet the sustainability of its local micro, small, and medium enterprise ecosystem remains constrained by limited access to finance, weak managerial and technological capabilities, fragmented market relationships, and uneven institutional support. This study examines lopo, a traditional Mandailing communal institution, as a culturally embedded source of social capital within this business ecosystem.ObjectivesThis study analyzes how lopo culture generates social capital, how Islamic economic values reinforce that social capital, and how their interaction supports collaboration, resource mobilization, and the resilience of the Mandailing Coffee micro, small, and medium enterprise ecosystem.MethodThe study employed a qualitative case study design in Panyabungan District, Mandailing Natal Regency, North Sumatra, Indonesia. Data were collected from 25 participants, including coffee farmers, business owners, traditional and religious leaders, Islamic microfinance representatives, local government officials, and academics or business facilitators. Data collection used semi-structured interviews, participant observation, and document analysis. The data were analyzed through data condensation, thematic organization, and conclusion drawing and verification.ResultsThe findings show that lopo functions as an informal socio-economic institution for market information exchange, deliberation, trust formation, reciprocal assistance, and business networking. Repeated interactions support verbal agreements, labor and equipment sharing, informal financing, collective marketing, and access to institutional support. Islamic economic values—amanah, ta'awun, ukhuwah, shura, and al-'adl—reinforce these relationships by promoting trustworthiness, mutual assistance, solidarity, participatory decision-making, and fairness. Together, these mechanisms strengthen stakeholder connectivity, collective problem-solving, and adaptive capacity within the Mandailing Coffee business ecosystem.ImplicationsThe findings suggest that micro, small, and medium enterprise development should strengthen locally legitimate institutions and connect them with financial institutions, government programs, markets, and knowledge networks without undermining their informal trust-based character.Originality/NoveltyThis study develops an integrated explanation linking lopo culture, social capital, Islamic economic values, and business ecosystem strengthening. It extends conventional social capital perspectives by showing how culturally embedded institutions and Islamic ethical values jointly shape collaborative economic practices in a rural Muslim coffee economy.
Co-Authors Alfian, Ian ian Antik Estika Hader, Antik Estika Anwar Yusuf ARDIANSYAH ARDIANSYAH Arwin Arwin Arwin Arwin Azizah Anna Sahra Beni Sandra Doriana Siregar Fajar Rizky Lubis Harahap, Titi Martini Ian Ian Alfian Ira Hairani Irma Suryani Siregar Khalijah, Siti Lina Mayasari Siregar MARTINI, TITI Muhammad Ridwan Muhammad Wandisyah Hutagalung Nur Indah Hidayah Nurul Irawan Rangkuti Pahrurrozi Pane Pohan, Zulhedly Resi Atna Sari Siregar Riny Viri Insy Sinaga Rosalena Rukiah Rukiah Siti Kholijah Siti Kholijah, Siti siti wulandari Siti Wulandari Suci Indah Pulungan Syukri Iska, Syukri Titi Martini Titi Martini Harahap