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All Journal Jurnal Penelitian dan Pendidikan IPS Al-Madrasah: Jurnal Ilmiah Pendidikan Madrasah Ibtidaiyah Jurnal ULTIMA InfoSys JURNAL EKONOMI SYARIAH Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Tuturan: Jurnal Ilmu Komunikasi, Sosial dan Humaniora Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Jurnal Ilmiah Ekonomi dan Manajemen Maslahah: Jurnal Manajemen dan Ekonomi Syariah Journal of Islamic Economics and Finance Santri : Jurnal Ekonomi dan Keuangan Islam Jurnal Pajak dan Analisis Ekonomi Syariah Jurnal Pengabdian Siliwangi KOPEMAS Pemberdayaan Masyarakat: Jurnal Aksi Sosial Sabar : Jurnal Pendidikan Agama Kristen dan Katolik Anugerah : Jurnal Pendidikan Kristiani dan Kateketik Katolik International Journal of Oil Palm
Joni Joni
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Study on Characteristics of Oil Palm Empty Fruit Bunch to Predict Condensation Temperature of Tar From Its Pyrolysis Gas Joni Joni; Armansyah Halomoan Tambunan; Radite Praeko Agus Setiawan; Kiman Siregar
International Journal of Oil Palm Vol. 2 No. 3 (2019): September 2019
Publisher : Indonesian Oil Palm Society /IOPS (Masyarakat Perkelapa-sawitan Indonesia /MAKSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35876/ijop.v2i3.42

Abstract

Palm oil is one type of plants that has various advantages. One of the advantages is almost all parts of the plant, such as trunk, empty fruit bunch (EFB), and the extracted oil, can be utilized as energy. Utilization of EFB for energy, especially the use of combustible gas as direct feed of combustion engines to generate electricity is still rarely used. This is related to the water content and the large amount of volatile substances that will give an unfavorable impact on the quality of the gas produced. To overcome this, information on the characteristics and thermophysical properties, such as dew point, of gases from the EFB biomass is indispensable. In this study, three EFB samples were taken from three different environmental conditions, namely samples A, B and C, to be analyzed. The elemental and proximate analysis as well as GCMS pyrolysis test of the samples were then used to characterize the EFB and determine its thermo-physical properties in terms of its dew point. The elemental analysis of the EFB samples showed disparity of its content, which was around 52.08 ± 7.59% (C), 7.05 ± 0.53% (H), 2.28 ± 0.43% (N), 0.35 ± 0.36% (S) and 34.84 ± 4.45% (O). Likewise, the proximate analysis showed differences around 4.49 ± 2.60% (MC), 5.80 ± 1.97% (FC) and 73.44 ± 3.78% (VM). From the elemental and proximate analysis, it can be predicted that tar compounds produced from pyrolysis of the EFB at a temperature of 400oC, was in the form of mixed oxidation compounds (mixed oxygenates). The compounds were classified as the first tar compound (class 2) consisting of phenols (ketones, phenol and guaiacol). The condensation temperature and the concentration of the tar in its pyrolysis gas were predicted to be 204.22oC, tar 1720.79 mg/Nm3 (sample A); 256.02oC, tar 92.97 mg/Nm3 (sample B); and154.85oC, tar 359.02 mg/Nm3 (sample C), respectively. This information can be useful in designing the tar elimination devices from the pyrolysis gas.
Perbedaan Filosofis dan Praktis dalam Laporan Keuangan : Perspektif Konvensional vs Syariah Dede Maman Pathulrahman; Pipit Pipit; Anggia Dhafa Irvani; Tsuwaebatul Aslamiyah; Joni Joni
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 3 No. 2 (2025): 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.v3i2.1755

Abstract

The aim of this study is to examine the philosophical and practical differences between conventional and Islamic financial reports. Laporan keuangan konvensional disusun berdasarkan prinsip-prinsip ekonomi kapitalis, dengan orientasi pada laba dan kepentingan pemegang saham. Meanwhile, Islamic financial reports are based on Islamic principles that emphasise justice, transparency, and social responsibility, as well as holding financial activities accountable not only to humans, but also to Allah SWT. The research method used was qualitative descriptive-comparative through a literature study of accounting standards and related journals. The results of the study show differences in reporting objectives, report structure, basic principles, transaction measurement methods, and stakeholder orientation. Laporan syariah mencakup unsur-unsur tambahan, seperti laporan zakat, qardh, dan tanggung jawab sosial, yang tidak ditemukan dalam sistem konvensional. Memahami perbedaan ini sangatlah penting untuk mempromosikan praktik pelaporan keuangan yang tidak hanya berorientasi pada keuntungan, tetapi juga menjunjung tinggi nilai-nilai etika dan keberlanjutan.
Nilai Waktu Uang dan Legitimasi dalam Perspektif Syariah Lia Wardatul Umah; Risma Hermawati Apriliani; Naila Alya Fadila Hilman; Wafa Jannatul Ma'wa; Joni Joni
Journal of Islamic Economics and Finance Vol. 3 No. 2 (2025): Mei: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v3i2.2657

Abstract

Money has different functions and roles based on conventional and Islamic perspectives. The time value of money in Islam and conventional economics have different perceptions, which can lead to debate. In addition, the sharia legitimacy review of the time value of money in the conventional economic system raises a dividing line against the Islamic economic system. This research aims to examine the concept of the time value of money and its legitimizing role from a sharia perspective. The method used in this research is data analysis method using literature study with qualitative method. This research has implications for the theory and practice of Islamic finance.
Membangun Karakter Kristiani Melalui Pembelajaran Aktif: Meneladani Yesus sebagai Guru Agung Sitip, Martinus sulang; Loris Loris; Joni Joni; Lisna Novalia
Sabar : Jurnal Pendidikan Agama Kristen dan Katolik Vol. 2 No. 1 (2025): Januari : Sabar : Jurnal Pendidikan Agama Kristen dan Katolik
Publisher : Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/sabar.v2i1.413

Abstract

Identifying key principles in Jesus' teaching method that are relevant to the concept of active learning. Analyzing how these principles can be integrated into the practice of Christian character education for students. Exploring the potential impact of implementing an active learning model based on Jesus' example on the formation of Christian character in students. This study adopted a qualitative approach with a literature study design and narrative analysis. This method was chosen because of its ability to explore in depth abstract concepts and analyze narrative texts that are at the heart of Jesus' teaching. google scholer, especially the narrative of Jesus' teaching in the Gospels. Secondary data sources include academic literature on character education, active learning, and studies on Jesus' teaching method. Active learning is a way or strategy of learning that allows students to interact, solve problems, to learn naturally. The Active Learning Approach is a teaching strategy that encourages students to interact, solve problems, and achieve realization naturally. Active learning, often known as active learning, is a type of education in which students engage students who are active in the learning process. Actively participate in the learning process. This study shows that Jesus' teaching method offers an active learning model that is very relevant and effective for building Christian character. Key principles such as the use of imagery, reflective inquiry, direct experience, and contextualization can be effectively integrated into contemporary Christian character education practices.
Kontribusi Pendidikan Agama Kristen dalam Memperkokoh Iman Kristen di Tengah Pluralisme Agama Lisa Sababalat; Joni Joni; Patrisius Liber; Semuel Linggi Topayung
Anugerah : Jurnal Pendidikan Kristiani dan Kateketik Katolik Vol. 1 No. 4 (2024): November : Jurnal Pendidikan Kristiani dan Kateketik Katolik
Publisher : Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anugerah.v1i4.197

Abstract

Religious pluralism in Indonesia requires every religious community to live side by side with different beliefs. In the midst of this situation, Christian Religious Education (PAK) has a strategic role in strengthening the Christian faith, helping people to face the challenges of pluralism with strong understanding and belief. PAK not only teaches religious doctrine, but also shapes Christian character which includes love, forgiveness, truth and tolerance. Through inclusive learning methods, such as Bible study, interreligious dialogue, and character formation, PAK helps Christians understand their faith identity in depth and foster wise and loving attitudes towards followers of other religions. Therefore, PAK contributes to producing Christians who are firm in their beliefs, compassionate, and able to live in harmony in a religious society.
Mekanisme Penghimpunan dan Penyaluran Dana dalam Bank Syariah dan Konvensional: Tinjauan Fatwa DSN-MUI dan Regulasi Perbankan Asa Zahrani; Salis Azkia; Hali Hali; Muhammad Aryandhi Fikri; Joni Joni; Raihani Fauziah
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 5 (2025): Oktober : 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.v3i5.1858

Abstract

This article analyzes the fundamental differences between the mechanisms of fund collection and fund distribution in Islamic banks and conventional banks in Indonesia, based on DSN-MUI Fatwas and banking regulations. In general, both types of banks serve the same function—to collect and distribute funds to support economic activities. However, the main distinction lies in their operational principles. Conventional banks operate using a fixed interest system, establishing a creditor–debtor relationship. In contrast, Islamic banks operate based on Sharia principles that prohibit riba (usury). In fund collection, conventional banks use interest-based savings and deposit products, while Islamic banks apply Wadiah (safekeeping) and Mudharabah (profit-sharing investment) contracts. Regarding fund distribution, conventional banks provide interest-bearing loans, whereas Islamic banks offer financing through Sharia contracts such as Murabahah (cost-plus sale), Musyarakah (partnership), Mudharabah (profit-sharing), and Ijarah (leasing), emphasizing cooperation and risk-sharing. Although Islamic banking is regulated under Law No. 21 of 2008 and DSN-MUI Fatwas, it still faces several challenges, including the dominance of Murabahah financing and the low level of public literacy regarding Islamic financial systems.
Akad Tijarah Lainnya pada Asuransi Syariah : Studi Kasus Prudential Syariah dan Allianz Life Syariah Indonesia Maryam Fany; Sindi Setiawat; Muhammad Zahran Hidayatul Urfa; Joni Joni; Raihani Fauziah
Jurnal Pajak dan Analisis Ekonomi Syariah Vol. 2 No. 4 (2025): Oktober: Jurnal Pajak dan Analisis Ekonomi Syariah
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jpaes.v2i4.1578

Abstract

Islamic insurance (takaful) is a financial instrument that functions not only as risk protection but also as an investment tool based on sharia principles. So far, the most commonly applied tijarah contracts in Islamic insurance are limited to wakalah bil ujrah and mudharabah. In fact, the development of modern society’s needs requires the diversification of contracts so that the offered products become more varied and competitive. This study aims to analyze the potential optimization of other tijarah contracts, such as musyarakah, murabahah, ijarah, and istishna’, in the development of Islamic insurance products. The research method used is library research with a descriptive qualitative approach, which involves reviewing literature, journals, DSN-MUI fatwas, and related regulations. The findings indicate that the application of other tijarah contracts has the potential to enrich Islamic insurance product variations, enhance transparency in fund management, and strengthen the competitiveness of Islamic insurance compared to conventional insurance. Furthermore, the diversification of contracts can provide solutions to the limited and monotonous business models of Islamic insurance. However, several challenges arise, including the absence of specific regulations governing these contracts, limited public understanding, and technical complexities in implementation. This study recommends the active role of regulators, especially DSN-MUI and OJK, in formulating clearer regulations and encouraging Islamic insurance companies to innovate by applying diverse sharia-based contracts. Thus, the optimization of other tijarah contracts will not only strengthen the existence of Islamic insurance in Indonesia but also fulfill society’s demand for financial products that are halal, innovative, and competitive.
Analisis Optimalisasi Sistem Operasional Asuransi Syariah di Indonesia Zenita Alvina Fauziah; Risma Syan Sabilla; Rifa Khoerunnisa; Joni Joni
Jurnal Pajak dan Analisis Ekonomi Syariah Vol. 2 No. 4 (2025): Oktober: Jurnal Pajak dan Analisis Ekonomi Syariah
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jpaes.v2i4.1579

Abstract

Indonesia is currently experiencing rapid and dynamic development, especially in the field of Sharia insurance. Sharia insurance has become an increasingly important and strategic sector in the Indonesian financial industry. This significant development is clearly reflected in data showing notable and consistent growth in the contribution of Sharia insurance to the overall insurance industry in the country. Sharia insurance is an economic activity that aims to help (ta'awun) and share risks (sharing of risk) among fellow participants in a mutually beneficial manner. Optimizing Sharia operational systems is a both a concept and practical approach to managing the operations of financial institutions or businesses based on Islamic or Sharia principles. The research method used in this study is a descriptive method based on a qualitative approach. The type of research undertaken is literature research, conducted by utilizing literature (references). This research aims to identify various challenges faced in Sharia insurance operational systems.
Regulasi dan Kebijakan yang Mengatur Lembaga Keuangan Syariah di Indonesia Dara Tsanya Abdul Rohim; Ranti Dwi Aryanti; Cantika Cantika; Ryan Cahya Nugraha; Joni Joni; Raihani Fauziah
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 4 (2025): Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v3i4.2785

Abstract

. Sharia financial institutions in Indonesia have experienced significant growth in line with increasing public demand for financial systems that comply with sharia principles. This growth requires clear regulations and policies to create stability, legal certainty, and protection for customers. This article examines the dynamics of regulations governing Islamic financial institutions, from the initial role of Bank Indonesia (BI) to the establishment of the Financial Services Authority (OJK) as the main supervisory and regulatory agency. In addition, this article also discusses the contribution of the National Sharia Council–Indonesian Ulema Council (DSN-MUI) in issuing fatwas that form the basis for the operation of Islamic products and services. With the Financial Services Authority Regulation (POJK) and other related regulations, the supervision of Islamic financial institutions has become more integrated, effective, and adaptive to industry developments. This study confirms that the existence of comprehensive regulations and policies not only strengthens the governance of Islamic financial institutions but also encourages the growth and competitiveness of the Islamic financial industry at both the national and global levels.
Model Fintech Syariah Berbasis Edukasi dan Securities Crowdfunding untuk Meningkatkan Literasi dan Inklusi Keuangan Muhammad Ramdan Ridwanullah; Ganis Khairulysa Prasetiyo; Sela Nur Aulia; Joni Joni; Raihani Fauziah
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 5 (2025): Oktober : 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.v3i5.1859

Abstract

Sharia based financial technology (fintech) that integrates educational features and securities crowdfunding is considered a strategic approach to address the low levels of Islamic financial literacy and inclusion in Indonesia. This article aims to examine how the integration of Islamic financial education and the use of sharia-compliant securities crowdfunding platforms can serve as an effective model to enhance public participation especially among MSMEs and younger demographics in the Islamic financial ecosystem. The study employs a literature review and case analysis based on recent scholarly works and industry reports. Findings indicate that fintech platforms equipped with interactive financial education modules and sharia investment simulations can significantly improve public understanding of Islamic financial principles and products. Moreover, sharia-based securities crowdfunding offers participatory investment opportunities while promoting ethical and halal economic activities. Nonetheless, challenges remain in regulatory alignment, sharia compliance verification, and public trust. Therefore, collaboration among regulators, industry players, and educational institutions is essential to foster an inclusive, transparent, and sustainable Islamic fintech ecosystem. This model is expected to be an innovative solution to expand access to Islamic financial services while strengthening public literacy and confidence in Islamic finance.
Co-Authors Adek Diah Lestari Anggia Dhafa Irvani Annisyah Auliya Dicken Armansyah Halomoan Tambunan Asa Zahrani Aslamiyah, Tsuwaebatul Aulia Wulan Sari Ayu Cahyati Biki Zulfikri Rahmat Bintang Ramadhani Cantika Cantika Dara Tsanya Abdul Rohim Dede Maman Pathulrahman Desma Erica Maryati Elisabeth Nainggolan Eni Dia Ernita Laowo Fahmi Abdul Mukhsi Fajar Anugrah Fauziah, Raihani Fikri Putri Diniati Ganis Khairulysa Prasetiyo Hali Hali Halwa Halimatusadiyah Ilmia Safana Imanuel Revelino Murmanto Juliati Juliati Kartika Syahrina Kiman Siregar Krisna Widia Laila Maulida Lia Wardatul Umah Lina Marlina Lisa Sababalat Lisna Novalia Loris Loris Margaret Wela Victoria Yanto Maryam Fany Mozes Lawalata Mufarizuddin Muhammad Arief Mustaqim Muhammad Aryandhi Fikri Muhammad Ikmal Muhammad Ramdan Ridwanullah Muhammad Syifa Muhammad Zahran Hidayatul Urfa Muslimah Muslimah Mustapa Mustapa Naila Alya Fadila Hilman Nali Eka Nurfitriani Nurfitriani NURUL AZIZAH Patrisius Liber Pesta Gultom Pina Uli Marbun Pipit Pipit Putri Ika Mayang Ningrum Qurrata Miftaurrizka Radite Praeko Agus Setiawan Rahayu, Yessi Raihani Fauziah Raihani Fauziyah Ranti Dwi Aryanti Reka Octavia Reza Liana Rezki Ilham Rifa Khoerunnisa Rinto Hasiholan Hutapea Risa Aprilida Risma Hermawati Apriliani Risma Syan Sabilla Ryan Cahya Nugraha Salis Azkia Sela Nur Aulia Semuel Linggi Topayung Sindi Setiawat Siti Nurfateha Sitip, Martinus sulang Solly Aryza Sonia Aufa Sudarmanto Syabrina Rindiani teguh prasandy Tsuwaebatul Aslamiyah Ummi Roudhatun Nashihah Utari, Diana Putri Vivi Indriani Wafa Jannatul Ma'wa Waode Ernawati Widyaningtias, Anabilla Alma Wulan Nur Safitri Yusep Rafiqi Yusep Rafiqi Zenita Alvina Fauziah Ziyanaroza Ziyanaroza