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All Journal HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Al-Mustashfa MODELING: Jurnal Program Studi PGMI At-Tawassuth: Jurnal Ekonomi Islam Jurnal Penelitian Medan Agama Jurnal Lentera Pendidikan Pusat Penelitian LPPM UM Metro Jurnal Penelitian Tarbawi: Pendidikan Islam dan Isu-Isu Sosial Jurnal Pendidikan dan Konseling Journal of Management and Business Innovations Jurnal Ilmiah Edunomika (JIE) Jurnal Hukum Ekonomi Syariah EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan Journal of Vision and Ideas (VISA) Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia Dinamika Publik: Jurnal Manajemen dan Administrasi Bisnis Maslahah: Jurnal Manajemen dan Ekonomi Syariah Jurnal Edukatif Jurnal At-Tabayyun Jurnal Media Akademik (JMA) Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Pajak dan Analisis Ekonomi Syariah Ekonomi Keuangan Syariah dan Akuntansi Pajak Al Urwah : Sharia Economics Journal Journal of Ekonomics, Finance, and Management Studies Journal of Islamic Economics and Finance Jejak digital: Jurnal Ilmiah Multidisiplin Sujud: Jurnal Agama, Sosial dan Budaya Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Pani Akhiruddin Siregar
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Implementation of Sharia Investment in Islamic Banking: Analysis of Principles, Contracts, and Challenges in Strengthening the Islamic Financial System Fatih Siraj; Pani Akhiruddin Siregar; Ahmad Afandi Surbakti
Al Urwah : Sharia Economics Journal Vol. 3 No. 2 (2025): Sharia Governance and Sustainable Finance
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i2.383

Abstract

The development of Islamic banking in Indonesia has shown significant growth, with Islamic investment serving as a key pillar in strengthening the Sharia-based financial system. However, its implementation still faces challenges, including low Islamic financial literacy, limited product innovation, and the need to strengthen governance and risk management. This study aims to analyze the implementation of Islamic investment in Islamic banking by examining its principles, contracts, and challenges in supporting Sharia economic growth. The research employs a qualitative approach using a literature study method by reviewing and analyzing relevant scientific sources related to Islamic investment and banking practices. The results indicate that Islamic investment based on mudharabah, musyarakah, murabahah, and ijarah contracts plays an important role in improving Islamic banking performance, particularly when supported by technological innovation and adequate regulatory frameworks. In conclusion, strengthening financial literacy, enhancing product innovation, and improving governance are essential strategies to optimize Islamic investment and promote the sustainability of Islamic banking in supporting national economic development.
Risk Analysis in Sharia Investment Management for Sharia Deposit Products Sharia Deposits Triwanda Aditiya; Pani Akhiruddin Siregar; Ahmad Afandi
Al Urwah : Sharia Economics Journal Vol. 3 No. 2 (2025): Sharia Governance and Sustainable Finance
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i2.390

Abstract

The development of Islamic banking in Indonesia has shown significant growth, with Islamic investment serving as a key pillar in strengthening the Sharia-based financial system. However, its implementation still faces challenges, including low Islamic financial literacy, limited product innovation, and the need to strengthen governance and risk management. This study aims to analyze the implementation of Islamic investment in Islamic banking by examining its principles, contracts, and challenges in supporting Sharia economic growth. The research employs a qualitative approach using a literature study method by reviewing and analyzing relevant scientific sources related to Islamic investment and banking practices. The results indicate that Islamic investment based on mudharabah, musyarakah, murabahah, and ijarah contracts plays an important role in improving Islamic banking performance, particularly when supported by technological innovation and adequate regulatory frameworks. In conclusion, strengthening financial literacy, enhancing product innovation, and improving governance are essential strategies to optimize Islamic investment and promote the sustainability of Islamic banking in supporting national economic development.
PEMAHAMAN MASYARAKAT MUSLIM DESA MANGKAI BARU TENTANG HUKUM PEMBAGIAN KEWARISAN Pani Akhiruddin Siregar; Eka Pertiwi Viranda; Nilna Mayang Kencana Sirait
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 7 No. 1 (2022)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v7i1.9534

Abstract

Pembagian kewarisan dengan hukum waris Islam untuk yang beragama Islam sesuai Q.S. An-Nisaa’ (4): 13-14. Penelitian bertujuan untuk mengkaji pemahaman masyarakat muslim Desa Mangkai Baru tentang hukum pembagian kewarisan dan pelaksanaan pembagian kewarisan masyarakat muslim Desa Mangkai Baru. Metode penelitian kualitatif dengan pendekatan etnografi. Sampel random sederhana. Sampelnya mewawancarai 19 orang ahli waris dari Desember 2019 hingga Mei 2020. Hasil penelitian: (1) Hanya 48% yang paham pembagian kewarisan dengan hukum waris Islam. Sisanya 52% dijelaskan dengan hukum waris lain; (2) Pelaksanaan pembagian kewarisan, praktinya beragam. Dengan hukum waris Islam sekiranya ahli waris paham dan mengetahui manfaatnya. Dengan hukum adat membagi rata kewarisan tanpa adanya perbedaan jenis kelamin timbul “makno rukun” bahwa tali silaturrahim tidak terputus, kewarisan didapat bermanfaat dan berkah. Dengan musyawarah mufakat. Kesemuanya ahli waris menentukan masing-masing bagian kewarisannya yang diharapkan tidak munculnya sengketa di kemudian hari. Namun, tidak sedikit pula pewaris yang melakukan pembagian kewarisan sebelum pewaris wafat.Kata Kunci: Hukum Waris, Pembagian Kewarisan, Warisan.
KETENTUAN HUKUM MEMPERJUALBELIKAN KOPI LUWAK Pani Akhiruddin Siregar; Wastka Ningrum; Suryani Suryani
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 8 No. 1 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v8i1.10907

Abstract

AbstractCivet coffee is safe to consume. Although the coffee beans come out in the process through the civet anus in the form of feces. Keep the coffee intact. Qualitative research methods with a normative legal approach. In fact, normative legal research to examine law is conceptualized as a rule that applies in society and is the basis for one's behavior, such as legal provisions for buying and selling civet coffee. Therefore, this research aims to examine the legal provisions for buying and selling civet coffee “permissible” based on: (1) Fatwa Decree of the MUI Fatwa Commission Number 07 of 2010 which concerning Fatwa on Civet Coffee; and (2) Fatwa MPU Aceh Number 07 of 2011 which concerning Fatwa on Civet Coffee Law. The results of the research that the legal provisions for buying and selling civet coffee based on: (1) Fatwa Decree of the MUI Fatwa Commission Number 07 of 2010 which concerning Fatwa on Civet Coffee; and (2) Fatwa MPU Aceh Number 07 of 2011 which concerning Fatwa on Civet Coffee Law.Keywords: Civet Coffee; Coffee Beans; Mutanajjis; Selling; Halal Civet Coffee.
The Practice of Money Arisan with an Auction-Based Drawing System in Nagori Perlanaan: A Study in Islamic Economic Law Pani Akhiruddin Siregar; Agus Ningtias; Kadri Bancin
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 9 No. 2 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.14994

Abstract

This study examines the practice of money arisan with an auction-based drawing system in Nagori Perlanaan through the lens of Islamic economic law. Money arisan, a form of social financial gathering popular in Indonesia, has evolved into various systems, including auction-based mechanisms. This research explores its unique practices and compliance with Islamic legal principles. Utilizing an empirical legal approach, the study analyzes data collected through field observations and interviews with participants of the money arisan. The legal framework is evaluated based on Islamic jurisprudence (fiqh), supported by Quranic verses and Hadith. The mechanism involves members bidding with the highest monetary offer to win the arisan in each period, starting from the second cycle of 38 total cycles. Winners in earlier cycles receive less money due to bid deductions, while those in later cycles benefit from accumulated funds. The arisan structure includes privileges for the chairman and administrative penalties for withdrawal. While the practice fosters financial cooperation, it introduces elements akin to riba due to unequal benefits and the presence of profit-oriented borrowing among members. This contravenes Islamic principles, which emphasize fairness and mutual benefit in financial transactions. The practice of money arisan with an auction-based system in Nagori Perlanaan, though innovative, is deemed non-compliant with Islamic economic law as it involves elements of riba. Legal reform is necessary to align such practices with Sharia principles.Keywords: Money Arisan, Auction System, Islamic Economic Law, Riba, Financial Practices
PENGARUH KUALITAS PELAYANAN DAN RELIGIUSITAS TERHADAP MINAT NASABAH MENABUNG PADA PT BPRS AL-WASHLIYAH KRAKATAU MEDAN Siti Juniar; Pani Akhiruddin Siregar
HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 13 │ No. 1 │ 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v0i0.29432

Abstract

This research proves the hypothesis of whether service quality (X1) and religiosity (X2) influential and significant to customers interest in saving at PT BPRS Al-Washliyah Krakatau Medan (Y). The research method used is quantitative data analysis. The primary data was obtained through the distribution of closed questionnaires and structured to 99 respondents who save at PT BPRS Al-Washliyah Krakatau Medan. This primary data was then processed using SPSS version 21 and regressed with multiple linear regression analysis. The results of this research show: (1) All statement items proposed are valid and reliable because the calculated r is above the table r; (2) All independent variable explain 38,10% of the variation in the dependent variable, while the remaining 61,90% is due to other reasons; (3) The regression model on the independent variable simultaneously influence the dependent variable so that the regression model of the independent variable can be used to predict the dependent variable; (4) Service quality (X1) and religiosity (X2) influential and significant to customers interest in saving at PT BPRS Al-Washliyah Krakatau Medan (Y). The results of this research prove the hypothesis accepting H1 and H2. The discussion shows that service quality and religiosity play an important role in increasing customers interest in saving at PT BPRS Al-Washliyah Krakatau Medan. Good service quality is able to enhance customer satisfaction and trust, while religiosity encourages customers perspective towards PT BPRS Al-Washliyah Krakatau Medan.
PERKEMBANGAN AKHLAK PESERTA DIDIK DI ERA GENERASI ALPHA Nadia Shabrina; Septi Triamryaningsih; Nilfa Zalukhu; Aljah Raini; Pani Akhiruddin Siregar
JURNAL LENTERA [PENDIDIKAN PUSAT PENELITIAN LPPM UM METRO] Vol 9 No 1 (2024): Jurnal Lentera Pendidikan Pusat Penelitian LPPM UM Metro
Publisher : LPPM UM Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jlpp.v9i1.3446

Abstract

The rapid development of technology greatly affects students in the era of the alpha generation, especially in the aspect of morals, so that guidance is needed in dealing with technological developments by fostering morals. This research was done with the aim of deepening understanding of the methods that can be used to foster the morals of students in the era of the alpha generation. This research uses a qualitative approach with a library research method. The results and discussion obtained show that technology that can access thousands of pieces of information with one finger has resulted in the alpha generation being accustomed to instant things and having critical thinking because they get various kinds of information very easily. The alpha generation needs a wise attitude from adults to guide and foster them for such rapid changes so that they become a generation that is able to utilize this sophistication as a positive thing instead of becoming an individual figure who is indifferent. The conclusion is that moral development is needed by using methods that are in accordance with the character of the alpha generation so that they have morals that are in line with religious and social values. The methods that can be used include giving good examples, making good habits, giving advice, giving special attention, giving punishment, and the storytelling method.
Edukasi Keuangan Syariah bagi Siswa SD Negeri 102028 Desa Sei Parit: Menabung Sejak Dini Muhammad Akhdan Bahy; Pani Akhiruddin Siregar
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.v2i4.1661

Abstract

The 2025 Independent Community Service Program (KKN) of the University of Muhammadiyah North Sumatra was held at SD Negeri 102028 Sei Parit, Sei Rampah District, Serdang Bedagai Regency. Sharia financial education from an early age is an important step in shaping a generation that is financially literate and has Islamic morals. This study aims to describe the process and results of Islamic financial education activities through the “Saving from an Early Age” program for students at State Elementary School 102028 Sei Parit, Sei Rampah District, Serdang Berdagai Regency. The implementation method used a participatory approach with direct observation, counseling, mini banking simulations, and educational games. The results of the activity show that students are able to understand the basic concepts of saving, recognize the prohibition of usury, and show a high interest in saving consistently. This activity also succeeded in fostering basic Islamic financial literacy, especially in the context of wise pocket money management. This study recommends that similar programs be carried out continuously through collaboration between schools and Islamic financial institutions.
Pengaruh Metode Hafalan Terhadap Kemampuan Siswa Kelas 2 SD IT Adnani dalam Menghafal Ayat Al-Qur'an Pani Akhiruddin Siregar; Mutia Ziva Salsabillah; Nabila Wardina Nasution
Edukatif Vol 3 No 2 (2025)
Publisher : CV Edu Tech Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65311/je.v3i2.1562

Abstract

Pengajaran Al-Qur’an merupakan modal terbesar untuk membentuk pribadi-pribadi insani. Proses menghafal Al-quran, dengan menggunakan metode yang baik dan benar akan mempengaruhi proses pengajaran tersebut. Berdasarkan hasil observasi di SD IT ADNANI, diperoleh kenyataan bahwa siswa dan siswi disana masih ada yang kesulitan dalam proses menghafal Al-Qur’an. Pendekatan yang digunakan dalam penelitian ini yaitu pendekatan kuantitatif Penelitian ini bertujuan untuk menganalisis pengaruh metode hafalan terhadap kemampuan siswa kelas 2 SD dalam menghafal Al-Qur'an. Hafalan merupakan metode pembelajaran yang digunakan secara luas dalam pendidikan Islam, namun efektivitasnya dalam meningkatkan daya ingat dan retensi hafalan siswa perlu dikaji lebih lanjut. Metode penelitian yang digunakan adalah eksperimen dengan pendekatan kuantitatif, di mana dua kelompok siswa dibandingkan: kelompok eksperimen yang menggunakan metode hafalan secara intensif dan kelompok kontrol yang menggunakan metode konvensional.Hasil penelitian menunjukkan bahwa metode hafalan berpengaruh positif terhadap peningkatan jumlah ayat yang mampu dihafal oleh siswa. Faktor pendukung utama dalam keberhasilan metode hafalan meliputi frekuensi pengulangan, keterlibatan guru, motivasi siswa, serta dukungan lingkungan belajar. Berdasarkan temuan penelitian, metode hafalan direkomendasikan untuk diterapkan dalam pendidikan Al-Qur'an di sekolah dasar dengan berbagai strategi penyesuaian agar lebih efektif.
Tinjauan Hukum Islam Terhadap Praktik bagi Hasil pada Hewan Ternak Kambing Pani Akhiruddin Siregar; Suryani Suryani; Juwita Silalahi
Jurnal Hukum Ekonomi Syariah Vol. 5 No. 2 (2022): Oktober
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam, Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jhes.v5i2.12373

Abstract

Tujuan penelitian untuk melihat tinjauan hukum Islam terhadap praktik bagi hasil pada hewan ternak kambing. Metode dengan penelitian kualitatif pendekatan kualitatif fenomenologi. Teknik pengumpulan data dengan mewawancarai 60 responden yang menjadi sampel yang terlibat langsung dengan praktik bagi hasil pada hewan ternak kambing di Desa Partimbalan, Desa Lias Baru dan Desa Panombean Baru, Kecamatan Bandar Masilam, Kabupaten Simalungun dimulai dari Juli 2019 hingga Oktober 2019. Hasil penelitian sebagai berikut: (1) Tinjauan hukum Islam terhadap praktik bagi hasil pada hewan ternak kambing sepenuhnya belum sesuai dengan hukum Islam. Antara shahibul maal dan mudharib, kesepakatan akad hanya berupa lisan bukan tulisan tidak sesuai dengan Q.S. Al-Baqarah/2: 282. Hal ini untuk menjaga terjadinya sengketa pada masa yang akan datang antara shahibul maal dengan mudharib; (2) Dalam pelaksanaan praktik bagi hasil pada hewan ternak kambing, shahibul maal sering mengingkari perjanjiannya dengan mudharib. Shahibul maal beralasan karena kebutuhan mendesak yang mengharuskan pembatalan, batalnya mudharabah. Kemudian, uang pengganti yang didapat mudharib pada umumnya tidaklah senilai dengan harga anak kambing; dan (3) Pemahaman masyarakat tentang praktik bagi hasil pada hewan ternak kambing hanya 5% shahibul maal yang paham mengenal istilah kerjasama usaha dengan praktik bagi hasil hewan ternak kambing dalam bentuk mudharabah. Sisanya 55% baik shahibul maal dan mudharib tidak mengenal istilah kerjasama usaha dengan praktik bagi hasil pada hewan ternak kambing dalam bentuk mudharabah. Masyarakat Desa Partimbalan, Desa Lias Baru dan Desa Panombean Baru, Kecamatan Bandar Masilam, Kabupaten Simalungun hanya mengenal kerjasama usaha dengan praktik bagi hasil dengan sebutan “belahan ternak”.
Co-Authors Abdul Kadir Zailani Abu Dzar Al-Ghifari Ade Wahyu Ramadhani Adinda Khairunisa Ahmadi Agus Ningtias Ahlamul Jaris Ahmad Afandi Ahmad afandi surbakti Ahmad Furqon ginting Ahmad Muhajir Akhmad Shandy Alfikri, Muhammad Nabil Alisyah Ramadhani Aljah Raini Alnamira Alnamira Amanda Nabila Amelia Zahra Siregar Amiur Nuruddin Ananda, Finta Aura Maritza Zen Bahari Bahari Bancin, Kadri Bancin, Kadri Deti Tri Kurnia Dewi Kumala Sari Hasibuan Dimas Setiawan Dina Fakhira Dwi Sabrina Ummaya Dwi Yana Rahmalita Eka Pertiwi Viranda Elmaya Lisa Evi Flora Harianta Sirait Fadhil Musyafa Fara Natasya Hamzah Lubis Fatah Wirayuda Fatih Siraj Fitri, Elisa Hafizhah, Aqilah Hasibuan, Dini Anggrayani Hastuti Olivia Ihda Tazqia Hasibuan Ilmi Marbun, Miftahul Imelda Saragih Ira Mayasha Irma Damayanti Juliana Juwita Silalahi Kadri Bancin Kadri Bancin Kadri Bancin Kartika, Dinda Ayu Khairunisyah Arriddho Khasanah Khairiyyah Kinkin Wardani Leo Kusuma Lutfiah Marsya Irsan M. Yusuf Mardhani Asry Marisa, Mawar Marliyah Maya Dita Anggraini Muhammad Akhdan Bahy Muhammad Gifari Sitorus Muhammad Habibur Rosyid Muhammad Nabil Alfikri Muhammad Zidansyah Mutia Ziva Salsabillah Mutiara Annisa Nabila Intan Safira Nabila Wardina Nasution Nadia Aswana Nadia Shabrina Nilfa Zalukhu Nilna Mayang Kencana Sirait Ningtias, Agus Nur Janah Nur Janah Nur'ain Harahap Nurly Aulia Rahman NURUL KARIMAH Nurul Sapika Olivia Shafitri Popi Adiyes Putra Putri Aulia Putri Indah Sari Raihani Fadila Ratna Reza Aliyanda Ridho Laksamana Fajri Riska Sri Rahayu Risva Nanda Sinaga Safriani Safriani Salwa Nabila Septi Triamryaningsih Sinta Sintia Br. Karo Siti Juniar Siti Ruwaida Solatiah Nasution Suginam Suryani Suryani Suryani Suryani Syahrani, Novia Syaiful Bahri, Amelia Ramdhani Syaiyuti Tiara Devani Hasibuan Tiara Pratiwi tri wahyuni Triwanda Aditiya Tumanggor, Arief Hidayat Wanda, Kaila Wastka Ningrum Wildan Akhir Nasution Yolanda Fransiska Yuli Pratiwi Yuni Sartika