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Implementasi Produk Pegadaian Syariah pada Pegadaian Syariah Cabang Paus Pekanbaru Anggun Anugrah; Azwar Azwar; Aulia Apriyani Jemmi; Faiqul Halim; Siti Aisyah; Abdul Aziz Hiborohim Srg
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 3 (2026): Juni: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i3.2344

Abstract

This study aims to analyze the implementation of Pegadaian Syariah products at the Paus Pekanbaru Branch based on field observations and interviews. The research focuses on four main products: Rahn, Gold Installments, Gold Savings, and Sharia Business Loans. A qualitative descriptive method was applied using observation, interviews, and documentation as data collection techniques. The findings show that Rahn is the most widely used product because it offers a fast disbursement process, simple procedures, and relatively accessible requirements for customers who need short-term financing. Gold Installments and Gold Savings provide alternative sharia-compliant investment instruments based on real assets, allowing customers to own gold gradually and safely. Meanwhile, Sharia Business Loans play an important role in supporting micro-enterprise development by providing financing that follows Islamic principles. Overall, the implementation of these products reflects Pegadaian Syariah’s contribution to expanding financial inclusion, strengthening public understanding of sharia-based financial services, and providing practical solutions for community economic needs. However, product socialization and customer literacy still need improvement to optimize utilization. This improvement is expected to enhance product acceptance and strengthen sustainable sharia financial service performance.
Implementasi Prinsip Lembaga Keuangan Syariah pada BTPN Syariah KCS Pekanbaru Muhammad Revan; Azwar Azwar; Mildah Mildah; Imam Daruqutni Al Hasymi; Ayub Syaputra; Putri Nadhea
Jurnal Bisnis, Ekonomi Syariah, dan Pajak Vol. 3 No. 2 (2026): Juni : Jurnal Bisnis, Ekonomi Syariah, dan Pajak (JBEP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jbep.v3i2.2338

Abstract

This study examines the implementation of Islamic financial institution principles in the operational activities of BTPN Syariah KCS Pekanbaru. Islamic banking plays a strategic role not only as a financial intermediary institution but also as an institution that applies Islamic values and ethical principles in every economic activity. This research aims to analyze the implementation of sharia contracts, fundraising products, financing products, and the application of sharia principles in the operational practices of BTPN Syariah KCS Pekanbaru. The study employed a qualitative method with a descriptive approach. Data were collected through interviews, observations, and documentation involving relevant bank personnel and supporting documents. The findings indicate that BTPN Syariah KCS Pekanbaru consistently implements sharia principles in fundraising and financing activities through the application of wadiah, mudharabah, murabahah, and musyarakah contracts. The bank also avoids transactions containing elements of riba, gharar, and maysir, ensuring that all operational activities comply with Islamic law. Furthermore, the bank applies the principles of profit sharing, transparency, accountability, trustworthiness, and fairness in serving its customers. These practices demonstrate consistency between the theoretical concepts of Islamic financial institutions and their practical implementation in daily banking operations. Therefore, BTPN Syariah KCS Pekanbaru can be categorized as an Islamic financial institution that consistently upholds Islamic principles while supporting sustainable financial services and strengthening public confidence in the Islamic banking system.
Kesesuaiaan Praktik Akad Syariah pada Layanan Pembiayaan di Baitul Maal Wat Tamwil (BMT) UGT Nusantara Berdasarkan Fatwa DSN-MUI Lilis Wike Wartina; Azwar Azwar; Nur Annisa; Ruwaida Sinaga; Arman Solo Harahap; Toni Pangidoan Nasution
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 4 No. 2 (2026): Juni: Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v4i2.2590

Abstract

The development of Islamic financial institutions in Indonesia has encouraged the increasing use of sharia contracts in microfinance institutions, including Baitul Maal wat Tamwil (BMT). However, in practice, there are still inconsistencies between the implementation of contracts and the provisions of DSN-MUI Fatwas. This study aims to analyze the conformity of sharia contract practices in financing services at BMT UGT Nusantara based on DSN-MUI Fatwas. This research used a descriptive qualitative approach with a field research method. Data were collected through interviews and documentation related to financing products and the contracts applied. The results showed that BMT UGT Nusantara implements various sharia contracts, including mudharabah, musyarakah, murabahah, ijarah, kafalah, wakalah, and qard al-hasan. In general, the implementation of these contracts has complied with DSN-MUI Fatwas, particularly in terms of margin transparency, ownership of goods before the contract, and the application of reasonable ujrah. However, several aspects still need improvement, especially in the implementation of murabahah bil wakalah and the limited administrative capabilities of members, which cause profit-sharing contracts to be rarely applied. This study concludes that the level of sharia compliance at BMT UGT Nusantara is influenced by the institution’s commitment and the members’ capacity in business and financial management.
Literasi di Perpsutakaan Bina Pustaka Desa Sungai Rambah Berbasis Inklusi Sosial Azwar Azwar
Dialogika : Jurnal Penelitian Komunikasi dan Sosialisasi Vol. 2 No. 2 (2026): Mei: Dialogika : Jurnal Penelitian Komunikasi dan Sosialisasi
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/dialogika.v2i2.1087

Abstract

The diversity of social backgrounds presents a unique challenge for village libraries. The Bina Pusaka Library in Sungai Rambah Village is designed to provide services to the surrounding community. The village community comes from diverse educational, economic, and ethnic backgrounds. This research was conducted to determine the process of social inclusion-based literacy services. This research used qualitative methods. The results revealed that the implementation of social inclusion-based literacy was carried out in a scheduled and planned manner. This literacy program was also carried out in collaboration with the village government to ensure its success.
Stunting Policy as Civic Education: Reframing Public Policy as a Civic-Embedded Process in Indonesia Rahmadani Yusran; Asrinaldi Asrinaldi; Azwar Azwar; Tengku Rika Valentina
Journal of Moral and Civic Education Vol 10 No 1 (2026): Journal of Moral and Civic Education
Publisher : Jurusan Ilmu Sosial Politik Fakultas Ilmu Sosial Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/88514121012026957

Abstract

Indonesia’s stunting reduction policies are predominantly framed as technical interventions. This article offers an alternative perspective, positioning these policies as an arena for community-level citizenship education. Employing a qualitative interpretive policy analysis of national documents and scholarly reports, the study utilizes deductive-inductive coding across three dimensions: civic literacy, social solidarity, and participatory negotiation. The findings reveal that implementation generates both technical outputs and critical civic learning processes, where citizens negotiate rights and engage in local decision-making. These insights culminate in the SPACE Model (Stunting Policy as Civic Education), which conceptualizes stunting reduction as a civic-embedded process. This model integrates dual goals of health and empowerment, emphasizing meaningful participation, frontline mediation, and learning-accountability loops. The article concludes that policy success must be evaluated beyond clinical prevalence, accounting for its contribution to strengthening civic capacity and democratic engagement at the community level. Further research suggest that stunting policy reduction needs to look at religious and cultural approaches.
Penerapan Isometric Handgrip Exercise terhadap Penurunan Tekanan Darah pada Keluarga dengan Lansia Penderita Hipertensi Ainatul Ismiyanti; Azwar Azwar; Hardin La Ramba
Indonesian Journal of Nursing Sciences and Practice Vol. 9 No. 2 (2026)
Publisher : Fakultas Ilmu Keperawatan Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/ijnsp.v9i1.17-21

Abstract

Latar Belakang: Hipertensi merupakan faktor risiko kardiovaskular utama dan salah satu penyebab kematian tertinggi di Indonesia, dengan pengendalian yang masih rendah di tingkat keluarga. Isometric handgrip exercise merupakan terapi nonfarmakologis yang aman, murah, dan dapat dilakukan secara mandiri, namun bukti penerapannya pada tatanan keperawatan keluarga di masyarakat masih terbatas. Objektif: Mendeskripsikan penerapan isometric handgrip exercise sebagai bagian dari asuhan keperawatan keluarga terhadap penurunan tekanan darah pada lansia penderita hipertensi. Metode: Laporan studi kasus deskriptif pada satu keluarga binaan (Ny. Y, perempuan, 62 tahun) dilengkapi dua kasus resume (Ny. E dan Ny. S) sebagai pembanding. Asuhan diberikan melalui sepuluh kali kunjungan rumah (30 April–20 Mei 2026) mengikuti proses keperawatan keluarga Friedman dan kerangka SDKI–SIKI–SLKI, mencakup pengkajian lima tugas kesehatan keluarga sebelum dan sesudah intervensi. Isometric handgrip exercise dilaksanakan pada enam sesi. Hasil. Tekanan darah Ny. Y menurun dari 170/90 mmHg pada kunjungan pertama menjadi 149/82 mmHg pada kunjungan terakhir (penurunan sistolik 21 mmHg; diastolik 8 mmHg), dengan pola pre–post per sesi yang konsisten menurun. Penurunan yang lebih nyata teramati pada dua sesi terakhir setelah alat genggam bola tanpa resistensi terukur diganti dengan adjustable handgrip. Pola serupa teramati pada kasus resume: tekanan darah Ny. E menurun dari 160/70 menjadi 148/78 mmHg, dan Ny. S menunjukkan tren penurunan bertahap selama masa intervensi. Diagnosis keperawatan prioritas adalah Pemeliharaan Kesehatan Tidak Efektif, diikuti Perilaku Kesehatan Cenderung Berisiko dan Risiko Perfusi Serebral Tidak Efektif; keluarga menunjukkan peningkatan kemampuan pada seluruh lima tugas kesehatan keluarga pada akhir intervensi. Implikasi Klinis: Temuan ini mendukung penggunaan latihan isometrik sebagai terapi pendamping nonfarmakologis dalam asuhan keperawatan keluarga, meskipun diperlukan penelitian dengan desain yang lebih kuat dan jumlah responden yang lebih besar untuk memperkuat bukti generalisasi.
Penerapan Akad dan Prinsip Syaiah dalam Produk Perbankan: Studi Empiris pada PT BPRS Berkah Dana Fadhlillah Kota Pekanbaru Helmawati Harahap; Azwar Azwar; Faras Darmawati; Desy Rahmawati; Mhd Aditya Pratama; Habib Auda Alfarizi
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 4 (2026): Juli : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i4.2337

Abstract

This study aims to examine the implementation of contracts (akad) and Sharia principles in banking products at PT BPRS Berkah Dana Fadhlillah. The rapid development of Islamic financial institutions requires alignment between theoretical concepts and their practical implementation, particularly in the use of contracts and the application of Sharia principles. However, there are still public doubts regarding the Islamic financial system, especially in distinguishing between profit margins and interest. Therefore, this study is important to determine the extent to which contracts and Sharia principles are applied in actual banking products. This research employs a qualitative method with a descriptive approach. Data were collected through interviews, observation, and documentation. The findings indicate that the implementation of contracts and Sharia principles in banking products at PT BPRS Berkah Dana Fadhlillah has been carried out in accordance with theoretical concepts. Financing products such as murabahah, ijarah, istisna’, and musyarakah are implemented using clearly defined contracts that are agreed upon at the beginning of the transaction. In addition, Sharia principles such as justice, transparency, and partnership have been applied in the bank’s operations. In conclusion, the implementation of contracts and Sharia principles at PT BPRS Berkah Dana Fadhlillah is consistent with theoretical frameworks, although challenges remain in terms of public understanding. This study is expected to contribute to the development of Islamic financial institutions and serve as a reference for future research.
Ekspresi dan Makna Identitas Kultural Orang Aceh di Kota Padang dalam Perspektif Interaksionisme Simbolik Gita Chintia Faramita; Azwar Azwar; Maihasni Maihasni
Jurnal Ilmu Sosial dan Ilmu Politik (JISIP) Vol 13, No 3 (2024)
Publisher : Universitas Tribhuwana Tungga Dewi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33366/jisip.v13i3.3155

Abstract

Each ethnic group certainly has different characteristics that have become embedded in their cultural identity, including the Acehnese ethnic group. Being in a different area from their area of origin certainly makes Acehnese people need to express their identity as Acehnese so that their Acehnese identity is still maintained. Therefore, this research aims to describe the form of cultural identity of the Acehnese in Padang City and the meaning of the cultural identity of the Acehnese in Padang City. This research uses Helbert Blumer's Symbolic Interactionism theory. The method used is a qualitative method with data collection techniques through observation, in-depth interviews and documentation. The results of this research show that up to now, among the Acehnese who have migrated to the city of Padang, their cultural identity as Acehnese is still maintained and maintained through the expression of their cultural identity that they do every day, both in the family and in the social environment. This form of expression of cultural identity is shown through the use of the Acehnese language, the use of traditional clothing, carrying out Acehnese customs and Acehnese culture. Each form of expression of cultural identity has an important meaning for the Acehnese so that everyone voluntarily continues to express their cultural identity as Acehnese in Padang City.Setiap etnis tentunya memiliki cirikhas yang berbeda yang telah melekat menjadi identitas kultur mereka, termasuk pada etnis Aceh. berada di daerah yang berbeda dengan daerah Asal tentunya membuat orang Aceh perlu untuk mengekspresikan identitasnya sebagai orang Aceh agar identitas keacehan mereka masih terjaga. Oleh karena itu, penelitian ini bertujuan untuk mendeskripsikan bentuk identitas kultural orang Aceh yang ada di Kota Padang serta makna identitas kultural orang Aceh di Kota Padang. Penelitian ini mengunakan teori Interaksionisme Simbolik Helbert Blumer. Metode yang digunakan yaitu metode kualitatif dengan teknik pengumpulan data melalui observasi, wawancara mendalam dan dokumentasi. Hasil penelitian ini menunjukkan bahwa sampai saat ini dikalangan orang Aceh yang merantau di Kota Padang, identitas kultural mereka sebagai orang Aceh masih terus dipertahankan dan dijaga melalui ekspresi identitas kultural yang dilakukannya sehari-hari baik di lingkungan keluarga maupun di lingkungan sosial. Bentuk ekspresi identitas kultural tersebut ditunjukkan melalui penggunaan bahasa Aceh, penggunaan pakaian adat, melaksanakan Adat istiadat Aceh serta kebudayaan Aceh. Setiap bentuk ekspresi identitas kultural tersebut memiliki makna yang penting bagi orang Aceh sehingga setiap orang secara sukarela terus mengekspresikan identitas kultural mereka sebagai orang Aceh di Kota Padang.
Peran Pemberdayaan Kesejahteraan Keluarga (PKK) dalam Mengimplementasikan Nilai-nilai Pancasila terhadap Anggota PKK di Nagari Tanjung Kecamatan Koto VII Kabupaten Sijunjung Delvira Yusti Amelia; Azwar Azwar; Indra Rahmat
ANWARUL Vol 3 No 6 (2023): ANWARUL: Jurnal Pendidikan dan Dakwah
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/anwarul.v3i6.1614

Abstract

This study aims to identify and describe the implementation of Pancasila values in PKK activities for PKK members and the factors that influence the implementation of Pancasila values in PKK activities in Nagari Tanjung, Koto VII District, Sijunjung Regency. The method used in this research is descriptive qualitative with the research location in Nagari Tanjung, Koto VII District, Sijunjung Regency. The informants in this study were the management of the PKK organization, Wali Nagari, clerics, bundo kanduang, the community and members of the PKK. Data collection techniques are through observation, interviews and documentation. Data analysis techniques include data collection, data reduction, data presentation and drawing conclusions. The results showed that: The form of practicing Pancasila values in the PKK group at sfirst line,There is a relationship between humans and the Creator. The first implementation of the precepts was carried out by the PKK by holding a wirid once a month, there were tambourine competitions, halal bihalal and sometimes lectures.Second implementation , the relationship between humans and humans. With the cooperation of the PKK and the local Puskesmas so that the community gets good health services. Implementation of third namely the existence of activities that have been programmed every year. Then implementation of fourth there are meetings and deliberations held every month.Fifth implementation ,the existence of the value of justice can be seen from the form of assistance provided to the community. There are several factors that support and hinder the practice of Pancasila values in PKK activities in Nagari Tanjung. Factors supporting the practice of Pancasila values, namely,support from PKK members, from family, community and Nagari Government.The inhibiting factors for PKK are economic and social factors. Based on the results of the research above, it can be concluded that the form of practicing Pancasila values in the PKK group in the first precept is that there is a relationship between humans and the creator. The second principle is the relationship between humans and humans. The third precept is the attitude of love for the motherland. The fourth precept is the value of society, deliberation and democracy. The fifth precept is the value of justice. The supporting factors for the PKK are PKK members, family, community and the Nagari Government. Inhibiting factors caused by economic and social factors.
Strategi Guru Taman Pendidikan Al-Qur’an Al-Falah untuk Meningkatkan Ahklak Anak Jorong Silaping Kecamatan Ranah Batahan Kabupaten Pasaman Barat Reska Zulya; Budi Juliardi; Azwar Azwar
ANWARUL Vol 3 No 6 (2023): ANWARUL: Jurnal Pendidikan dan Dakwah
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/anwarul.v3i6.1630

Abstract

This research is motivated by a problem, namely: how to apply the strategies used by teachers of the Al-Qur'an education garden to improve children's morals. The purpose of this study was to describe the strategies used by teachers of the Al-Qur'an education garden to improve children's morals and what obstacles were found by the Al-Qur'an education garden teachers in improving children's morals. The type of research used was qualitative research using descriptive methods. There were 8 informants in this study including: TPA Al-Falah administrators, Head of TPA Al-Falah, third grade teachers, parents of children and children of TPA Al-Falah. Data collection techniques used are observation, interviews and documentation. Data processing with analysis of data collection, data reduction, data presentation and drawing conclusions. The results of this study indicate that the strategy used by the Al-Qur'an education garden teacher to improve children's morals is by using methods as moral enhancement. Exemplary method, habituation method, practice method, story method, singing method, and punishment method. The obstacles found by Al-Falah TPA teachers to improve children's morals, namely the use of increasingly sophisticated technology, limited time for parents to develop children's morals, some teachers at TPA are sometimes absent from learning due to demands from their work or others, lack of religious teaching strong influence while at school, peer influence, and lack of parental supervision of their child's social interactions in the community. The results of the research above can be concluded that the application of exemplary methods, habituation methods, practical methods, story methods, singing methods, and punishment methods can improve the morals of children at TPA Al-Falah Jorong Silaping. This is done so that children have good morals towards peers, the surrounding environment, especially parents. By holding a TPA in the surrounding environment, it is hoped that it can help improve the morals of the children to become better individuals in the future.