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SURAU WITHOUT BUYA: Authority and the Shifting Foundations of Minangkabau Cultural Life in Indonesia Febri Yulika; Iswandi Syahputra; Azhari Akmal Tarigan; Benny Ridwan; Fatahuddin Aziz Siregar
MIQOT: Jurnal Ilmu-ilmu Keislaman Vol 50, No 1 (2026)
Publisher : State Islamic University North Sumatra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/miqot.v50i1.1568

Abstract

This study examines the shifting role of the surau within Minangkabau society in West Sumatra, where it once functioned as a central institution for worship, learning, and the moral formation of young men. Traditionally anchored in the authority of the buya, the surau embodied a living synthesis of Islamic teaching and customary values. Drawing on field-based research, including in-depth interviews with religious scholars, customary leaders, and cultural experts, this study traces a significant transformation in its contemporary meaning. The findings suggest that the gradual detachment of the surau from the figure of the buya has eroded its philosophical and cultural significance, reducing it to a largely symbolic or physical space. This shift is closely linked to the diversification of Islamic educational orientations and the growing influence of local political dynamics. As a result, the surau no longer operates as a formative cultural institution, raising broader questions about continuity, authority, and identity in Minangkabau society.
Developing BSI Agent Networks to Strengthen Islamic Banking Financial Inclusion: Insights from an Analytic Network Process Study Ismul Fakhri Lubis; Azhari Akmal Tarigan; Andri Soemitra; Muhammad Rizal; Kaswinata Kaswinata
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 7 No. 1 (2026): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/invest.v7i1.2264

Abstract

This study examines strategies for developing Islamic banking financial inclusion services through Bank Syariah Indonesia (BSI) Agents as extended outlets for reaching underserved communities. Despite Indonesia’s large Muslim population, the outreach and service quality of Islamic banking remain limited compared to conventional banks, driven by human resource constraints, unattractive incentive structures, limited product and service features, aggressive competition from conventional bank agents, and inadequate infrastructure in remote areas. To address these challenges, this study employs the Analytic Network Process (ANP) using a qualitative approach based on expert judgment. Primary data were collected through in-depth interviews with five expert informants comprising academics, BSI practitioners, and regulators. Data collection involved observation, interviews, questionnaires, documentation, and literature review, and the analysis was conducted using the Super Decisions software. Kendall’s Coefficient of Concordance (W) was applied to assess the level of agreement among experts. The results indicate that the most critical constraints are low employee awareness, limited agent competence, unattractive incentive structures, and infrastructure limitations in remote areas. Priority solutions include increasing dedicated human resources for agent management, integrating agent performance into key performance indicators (KPIs), expanding product and service features, and strengthening below-the-line promotion. At the strategic level, the findings highlight the importance of strengthening human resources, developing robust and user-friendly digital agent platforms, and implementing cluster-based agent management. The Kendall’s W values indicate a moderate level of expert agreement, supporting the robustness of the ANP results. This study contributes to the literature on Islamic banking and financial inclusion by providing empirical, strategy-oriented insights into the development of agent-based Islamic banking services. The findings offer practical implications for banks, regulators, and policymakers seeking to strengthen inclusive, sustainable, and competitive Islamic banking ecosystems
Workplace Spirituality and Organisational Citizenship Behaviour: The Role of Spiritual Quotient, Intelligence Quotient and Job Satisfaction Jasman Saripuddin Hasibuan; Azhari Akmal Tarigan; Nur Ahmadi Bi Rahmani
International Journal of Business Economics (IJBE) Vol 7, No 2 (2026): MARCH - AUGUST 2026
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/ijbe.v7i2.25874

Abstract

Purpose – This research aims to investigate the impact of workplace spirituality and Intelligence Quotient on organisational citizenship behaviour, both directly and indirectly, through the mediating roles of job satisfaction, Spiritual Quotient, and Emotional QuotientMethodology – The study adopts a causal research design using a quantitative approach, with a sample consisting of 126 administrators and supervisors from the Indonesian Islamic Pension Fund Association. Data were collected via interviews and questionnaires, and the hypotheses were tested using Partial Least Squares (SmartPLS) analysis.Findings – Among the seven hypotheses tested, two were rejected. The findings revealed that the Spiritual Quotient did not enhance the relationship between workplace spirituality and organisational citizenship behaviour, and that the Emotional Quotient did not strengthen the connection between workplace spirituality and job satisfaction.Originality/Novelty – This study offers an integrated model that links workplace spirituality, Intelligence Quotient, Spiritual Quotient, Emotional Quotient, and job satisfaction to explain organisational citizenship behaviour within an Islamic pension fund.Implications – The findings guide managers in improving organisational citizenship behaviour by strengthening workplace spirituality, enhancing job satisfaction, and developing employees’ intellectual, spiritual, and emotional intelligence through targeted human resource practices.
Penyelesaian Sengketa dalam Perspektif Antropologi Hukum: Dialektika Antara Hukum Negara, Adat, dan Praktik Sosial Muhammad Sya’ban Siregar; Nurhayati; Azhari Akmal Tarigan; Mhd Nur Husein Daulay
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 4 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i4.8064

Abstract

Pluralisme hukum di Indonesia menunjukkan bahwa penyelesaian sengketa tidak hanya dilakukan melalui hukum negara, tetapi juga melalui hukum adat dan praktik sosial yang hidup dalam masyarakat. Penelitian ini bertujuan untuk menganalisis penyelesaian sengketa dalam perspektif antropologi hukum dengan menelaah dialektika antara hukum negara, hukum adat, dan praktik sosial dalam masyarakat Indonesia. Penelitian menggunakan metode hukum normatif dengan pendekatan antropologi hukum, pendekatan konseptual, dan pendekatan perundang-undangan. Data diperoleh melalui studi kepustakaan yang bersumber dari peraturan perundang-undangan, buku, jurnal ilmiah, dan berbagai literatur yang relevan, kemudian dianalisis secara kualitatif-deskriptif. Hasil penelitian menunjukkan bahwa penyelesaian sengketa dalam perspektif antropologi hukum tidak hanya dipahami sebagai penerapan norma hukum formal, melainkan juga sebagai proses sosial dan budaya yang dipengaruhi oleh nilai, norma, relasi sosial, dan struktur budaya masyarakat. Dialektika antara hukum negara dan hukum adat mencerminkan karakter pluralistik sistem hukum Indonesia, di mana kedua sistem hukum tersebut saling berinteraksi dalam membentuk mekanisme penyelesaian sengketa yang lebih responsif terhadap kebutuhan masyarakat. Mekanisme adat sering dipilih karena dinilai lebih mampu menghadirkan keadilan substantif, menjaga harmoni sosial, serta mempertahankan nilai-nilai lokal yang hidup dalam komunitas. Implikasi penelitian ini menegaskan pentingnya harmonisasi antara hukum negara dan hukum adat guna mewujudkan sistem penyelesaian sengketa yang lebih adil, humanis, dan berorientasi pada keadilan substantif
Synchronized Sharia Reorganization of Coastal MSMEs: A Structural Model of Digital Transformation, Green Economy, Islamic Capital, and Multi-Stakeholder Collaboration Dewi Sundari Tanjung; Azhari Akmal Tarigan; Zuhrinal M. Nawawi
Women, Education, and Social Welfare Vol. 3 No. 2 (2026): April - June 2026 | Women, Education, and Social Welfare
Publisher : WISE Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70211/wesw.v3i2.253

Abstract

This study tests a livelihood-oriented model of micro, small, and medium enterprise (MSME) reorganization in Sibolga City, Indonesia. Using survey data from 150 coastal food MSME actors and partial least squares structural equation modeling, the study examines whether Sharia digital transformation, Sharia green economy orientation, and Islamic capital enhance MSME reorganization directly and indirectly through multi-stakeholder collaboration. All direct paths are positive and significant (p < .001). Collaboration is the strongest predictor of reorganization (β = .556) and partially mediates the effects of digital transformation, green orientation, and Islamic capital. The model explains 41.7% of collaboration and 71.2% of reorganization. Multi-group analysis shows that digital transformation is more influential among enterprises with higher platform readiness, whereas green orientation, Islamic capital, and collaboration remain stable across groups. The study introduces a Synchronized Sharia Reorganization Model that treats technology, ecological responsibility, ethical-relational resources, and institutional coordination as complementary capabilities. The findings support inclusive coastal livelihood policy, particularly for women-participatory, household-based food enterprises.
Ketupat Processing Traditions in Minangkabau: An Eco-Theological, Health, and Cultural Resilience Study Azhari Akmal Tarigan; Jufri Naldo; Syahrial Arif Hutagalung; Uswatun Hasanah; Ismail Ismail
Contagion: Scientific Periodical Journal of Public Health and Coastal Health Vol 8, No 2 (2026): Contagion
Publisher : Universitas Islam Negeri Sumatera Utara, Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/contagion.v8i2.28872

Abstract

This study examines the Ketupat tradition, a Minangkabau food wrapped in young coconut leaves, through the lenses of eco-theology, public health, and cultural resilience. Employing a qualitative methodology that integrates in-depth interviews with 25 informants (15 entrepreneurs, 5 cultural leaders, and 5 academics), participatory observation, and textual analysis with data analyzed thematically using NVivo software the research was conducted across key centers of Minangkabau diaspora life in Padang (West Sumatra, Indonesia), Yogyakarta (Indonesia), and Negeri Sembilan (Malaysia). The findings reveal three interrelated dimensions. First, the use of natural leaf wrappers embodies the Islamic eco-theological principle of khalifah fil-ardh (humans as stewards of the earth), expressed through faith-driven ecological awareness among tradition bearers. Second, coconut leaves provide tangible health benefits by eliminating risks of chemical migration from plastic and styrofoam packaging, reinforcing community-based food safety rooted in natural materials. Third, Ketupat-making sustains cultural identity and social cohesion within diaspora communities through intergenerational transmission and collective rituals. Overall, the study argues that traditional food practices grounded in natural materials represent a convergence of ecological wisdom, health protection, and spiritual values, underscoring the importance of integrating local wisdom into sustainable food policies and national food security strategies Keyword: Ketupat  ; Ketupat; Minangkabau; eco-theology; traditional food systems; public health; cultural resilience; food packaging
STUDI KOMPARATIF RISIKO SISTEMIK ANTARA BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA: PENDEKATAN TAFSIR TEMATIK TERHADAP SURAH AL-BAQARAH Oktavera Rizki; Azhari Akmal Tarigan; Mustapa Khamal Rokan; Andri Soemitra; Yusrizal
At-Tanmiyah Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2025): Desember, At-Tanmiyah: Jurnal Ekonomi dan Binis Islam
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam (STEBIS) Al-Ulum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65778/atjebi.v4i2.89

Abstract

This study aims to compare systemic risk between Islamic banks and conventional banks in Indonesia by employing a thematic exegesis approach (tafsīr al-mawḍū‘ī) to selected Qur’anic verses in Surah Al-Baqarah, specifically verses 30, 219, 220, 245, 275, 276, and 282. These verses address fundamental themes related to finance, justice, debt relationships, usury (ribā), charitable giving (ṣadaqah), and equitable wealth distribution within the framework of Islamic economic principles. By integrating qualitative analysis drawn from classical and contemporary Qur’anic exegesis—including Tafsīr al-Ṭabarī, Ibn Kathīr, and Tafsīr al-Māwardī—with insights from modern economic literature, this study highlights the fundamental distinctions between Sharī‘ah-based financial principles and conventional banking practices in relation to financial system stability. The findings indicate that the Islamic financial system embodies inherent mechanisms capable of mitigating systemic risk, notably through the prohibition of ribā, the implementation of profit-and-loss sharing arrangements, and the moral obligation to uphold charitable redistribution and social justice. In contrast, interest-based conventional financial systems tend to exacerbate economic inequality and amplify vulnerability to financial crises. These findings reinforce the contemporary relevance of Qur’anic values in informing financial stability policies within modern economic systems.
Developing BSI Agent Networks to Strengthen Islamic Banking Financial Inclusion: Insights from an Analytic Network Process Study Ismul Fakhri Lubis; Azhari Akmal Tarigan; Andri Soemitra; Muhammad Rizal; Kaswinata Kaswinata
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 7 No. 1 (2026): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/invest.v7i1.2264

Abstract

This study examines strategies for developing Islamic banking financial inclusion services through Bank Syariah Indonesia (BSI) Agents as extended outlets for reaching underserved communities. Despite Indonesia’s large Muslim population, the outreach and service quality of Islamic banking remain limited compared to conventional banks, driven by human resource constraints, unattractive incentive structures, limited product and service features, aggressive competition from conventional bank agents, and inadequate infrastructure in remote areas. To address these challenges, this study employs the Analytic Network Process (ANP) using a qualitative approach based on expert judgment. Primary data were collected through in-depth interviews with five expert informants comprising academics, BSI practitioners, and regulators. Data collection involved observation, interviews, questionnaires, documentation, and literature review, and the analysis was conducted using the Super Decisions software. Kendall’s Coefficient of Concordance (W) was applied to assess the level of agreement among experts. The results indicate that the most critical constraints are low employee awareness, limited agent competence, unattractive incentive structures, and infrastructure limitations in remote areas. Priority solutions include increasing dedicated human resources for agent management, integrating agent performance into key performance indicators (KPIs), expanding product and service features, and strengthening below-the-line promotion. At the strategic level, the findings highlight the importance of strengthening human resources, developing robust and user-friendly digital agent platforms, and implementing cluster-based agent management. The Kendall’s W values indicate a moderate level of expert agreement, supporting the robustness of the ANP results. This study contributes to the literature on Islamic banking and financial inclusion by providing empirical, strategy-oriented insights into the development of agent-based Islamic banking services. The findings offer practical implications for banks, regulators, and policymakers seeking to strengthen inclusive, sustainable, and competitive Islamic banking ecosystems
Strategies to Improve Purchasing Decisions through Understanding Price Perceptions in Society Dewi Lestari; Ulfi Yanti Harahap; Azhari Akmal Tarigan; Nuri Aslami
Proceeding International Conference on Islamic Economics Community Services (ICIECS) Vol 1 (2023): Proceeding International Conference on Islamic Economics Community Services
Publisher : Universitas Islam Negeri Sumatera Utara

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

Abstract

This study explores how consumer trust affects purchasing decisions on Indonesia's Shopee e-commerce platform. With the rise of online shopping, trust has become crucial in consumer behavior. The research addresses the gap in understanding trust's influence in online marketplaces by evaluating the perspectives of 150 active Shopee users and 50 sellers through a mixed-method approach. The findings reveal that trust is a key factor in purchasing decisions, driving sales and customer loyalty. Educational efforts on transparency, product authenticity, and responsive customer service, along with government collaboration for education and security, effectively build trust. The study concludes that maintaining consumer trust, supported by government partnerships, is vital for Shopee's market competitiveness. The implications suggest that emphasizing trust not only enhances customer retention but also supports long-term business growth
Decision Ethics and Risk Mitigation: Asset Protection in the Moses–Khidr Narrative Khaidar rahmaini Jamila; Mustafa Khamal Rokan; Azhari Akmal Tarigan
International Journal of Economics, Science, and Education Vol. 2 No. 5 (2025): International Journal of Economics, Science, and Education (IJESE)
Publisher : CV Pena Jaya Pers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65254/ijese.v2i5.55

Abstract

Purpose: This study aims to examine the ethics of decision-making and risk mitigation in the Qur’an through the narrative of Prophet Moses and Khidr (peace be upon them) in Surah Al-Kahf verse 71, and to explore its relevance to asset protection and contemporary Islamic insurance. Design/methodology/approach: The study employs a qualitative descriptive approach with library research. The main reference is Tafsir Al-Iqtishodiy by Rafiq Yunus Al-Mishri, analyzing the dialogue between Moses and Khidr to extract ethical and economic lessons on risk identification and mitigation. Findings: Khidr’s actions exemplify wisdom-based decision-making and long-term risk mitigation aligned with maqāṣid al-sharī‘ah, particularly hifẓ al-māl. Asset protection is presented as a moral and social responsibility, while takaful, ta‘āwun, and prudence in Islamic insurance reflect Qur’anic ethics of risk management. Research limitations/implications: The study is limited to textual analysis of one Qur’anic narrative and one tafsir perspective, which may constrain generalization. Practical implications: Findings provide an ethical foundation for sustainable risk management and development of Sharia-compliant insurance policies. Originality/value: The study bridges Qur’anic ethics, Islamic decision-making, and modern risk management, offering a novel conceptual framework for ethical asset protection. Paper type: Research paper Keywords: Asset Protection, Decision Ethics, Islamic Insurance, Quranic Interpretation, Risk Mitigation
Co-Authors Ahmad Kholil Ahmad Riyansyah Parinduri Aida Ulviani Nst Aini, Ihdi Ainun Pratiwi Ali Hardana Amal Hayati Amal Hayati, Amal Amalia Rahmah Harahap Amin, Khairil Amini, Salisa Andre Bagaskara Andri Soemitra Andri Soemitra Anggi Kartika Apriliani, Apriliani Arafah, Santi Arifin Fauzi Lubis Arsyaf Tampubolon Baehaqi Bagaskara, Andre Batubara, Zulfa Khairina Bella Cantika Benny Ridwan Benny Ridwan Benny Ridwan Burhanuddin Al-Butary Chairul Imam, Chairul Chuzaimah Batubara Daniel Amsal Desmadi Saharuddin, Desmadi Dewi Lestari Dewi Sundari Tanjung Dharma, Budi Dhian Rosalina, Dhian Eliska Enghariano, Desri Ari Evalina Franciska Hutasoit Evi Ayu Putri Fahnisa, Fahnisa Faisal Riza Fandy Rangkuty, Muhammad Hafif Fauzi Salim, Rahmad Fauziah Nasution Febri Yulika Firdha Aigha Suwito Fitria Intan Sri Dewi Frida Yanti Sirait Harahap, Fasthabiqul Ambiya Harahap, Nur Dalilah Hasan Matsum Ian Alfian Ikbal Hanafi Hasibuan Ilham Habibi, Ilham Imran, Buhari Indra Kurniawan Nasution Ismail Ismail Ismail Ismail Ismail Ismul Fakhri Lubis Isnaini Isnaini Faraz Azis Ilmi Sitorus Isnaini Harahap Iswandi Syahputra Iswandi Syahputra Jaenal Aripin Jannah, Nurul Jasman Saripuddin Hasibuan Jufri Naldo Karmila Sari Kaspia, Yola Kaswinata Kaswinata Khaidar Rahmaini Jamila Khairunnisa Please Kinanti Putri Bestari Kinanti Putri Bestari Kusmilawaty, Kusmilawaty Lismaini Agustin Lubis, Fahmi Husaini M. Luthfi Arif Pratama M. Ridwan M. Ridwan M. Rizwan M. Yasir Nasution Mahyudin Mahyudin Malasyi, Sibral Mara Sutan Rambe Marliyah Marliyah, Marliyah Maryam Batubara Melia Frastuti Meutia Dewi, Meutia Mhd Nur Husein Daulay Minda Agustina Mohammad Reevany Bustami Muallif Masyhuri Muhammad Aidil Iffat Muhammad Ancha Sitorus MUHAMMAD FAHMI Muhammad Faisal Hamdani Muhammad Hakim Sitompul Muhammad Helmi Muhammad Ilham Muhammad Ramadhan Muhammad Ridwan Muhammad Rizal Muhammad Syahbudi Muhammad Sya’ban Siregar Muhammad Syukri Albani Nasution Muhammad Umar Maya Putra Muhammad Yafiz Muhammad Yafiz Muhammad Yafiz, Muhammad Mukhlis Mukhlis Mustafa Khamal Rokan Mustapa  Khamal  Rokan Nabil Shawab al-Mujaddid Nabila Oktarina Sinulingga Nadia Nadia Nasution, Syukri Albani Nofialdi Nofialdi Novita Herawati Novitri, Dian Nur Ahmadi Bi Rahmani Nur Aminah Rambe Nur'ain Harahap Nurhafiani Nurhafiani Nurhafiani Nurhafiani Nurhayati Nurhayati Nurhayati Nurhayati Nurhayati Nurhayati, Nurhayati Nurhidayanti Nurhidayanti Nurhidayanti, Nurhidayanti Nuri Aslami Nurul Aflah Harahap Nurul Inayah Nurul Izzah Nurul Izzah Nurul Wafiq Azizah Nasution Oktavera Rizki Padillah, Fahmil Pera Handayani Prasetya, Muhammad Dimas Prasetyo, Iin Puspa Indah Sari Pohan Putra Apriadi Siregar Putri Mawaddah Rafi Faizin Rafika Chudriana Putri Rahmah, Nuzulliah Rahmi Syahreza Rahmi Syahriza, Rahmi Raja Putri Salsabila Ramadi, Bagus Rani Elviyanti Siregar Reni Ria Armayani Hasibuan Reza Febrian Riska Syahputri Nasution Rizkan Polem, T. Rizki Yuliana Rodhiatul Aslamah Meuraxa Rorizki, Fitri Roro Retno Wulan Sari Roro Retno Wulan Sari Saidurrahman Saidurrahman Saifullah Saifullah Samrin Samrin Saparuddin Siregar Saragih, Murniati Arinda Sarah Fadhila Siregar Siagian, Salsabilla Siregar, Fatahuddin Aziz Siregar, Syafrudin Hanafi Sri Kartika Dewi Subambang Harsono Suci Ramadani Sitompul Sugianto Sugianto Sugianto Sugianto Sugianto Susi Herawati Sy Haura Munawwarah Syafira, Dinda Syafran Arrazy Syahreza, Rahmi Syahrial Arif Hutagalung Syahriza , Rahmi Syukri Albani Nasution Syukri Albani Nasution Tambunan, Khairina Tuahman Tuahman Ulfi Yanti Harahap Upi Sopiah Ahmad USWATUN HASANAH Venny Fraya Hartin Nst Wahyu Syarvina Watni Marpaung Windari Windari Windari, Windari Wulan Dayu Yani, Misri Yenni Samri Juliati Yenni Samri Juliati Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI YUDI SISWADI Yusrizal Ziaulhaq Hidayat Zubeir . Zuhrina Aidha Zuhrinal M. Nawawi Zulfa Khairina Batubara