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Development of The Theory of Planned Behavior with Sharia Compliance as a Moderating Variable Sikumbang, Purnama Raya; Siregar, Ibrahim; Cahyani, Utari Evy
Al-Mashrof: Islamic Banking and Finance Vol. 6 No. 1 (2025): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/m6st1644

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contributors to Indonesia’s economic growth, yet they continue to encounter significant barriers in accessing formal financial services. To address this gap, Pegadaian, a non-bank financial institution, offers Sharia KUR as an alternative financing scheme for unbankable MSMEs. This study investigates customer behavior in adopting Sharia KUR using the Theory of Planned Behavior (TPB) framework and evaluates the moderating role of Sharia compliance. Employing a quantitative survey method, data were collected from 356 respondents at Pegadaian UPC Natal Barumun, and analyzed using Structural Equation Modeling-Partial Least Square (SEM-PLS) through WarpPLS 7.0. Empirical findings reveal that attitude (β=0.545; p<0.001) and perceived behavioral control (β=0.107; p=0.021) exert positive and significant effects on intention to use Sharia KUR, whereas subjective norms (β=0.078; p=0.068) show no significant influence. Intention itself strongly predicts financing behavior (β=0.550; p<0.001). In contrast, Sharia compliance does not significantly moderate the intention–behavior relationship (β=0.071; p=0.088). These results emphasize that internal factors, particularly perceived benefits, ease of access, outweigh social pressures in shaping customer behavior. Practically, study underscores the need to strengthen Islamic financial literacy, enhance product transparency, and develop continuous education strategies to foster trust and encourage greater utilization of Sharia-based financing. Keywords: MSMEs, KUR Syariah, TPB, Shariah Compliance, Financing Behavior.
Entrepreneurial Practices of Fishing Ponds Examined from the Perspective of Maqasid Shariah in the City of Padangsidimpuan Hidayat, Rahmat; Siregar, Ibrahim; Harahap, Darwis
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22251

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This research is motivated by the Shariah fishing system in the city of Padangsidimpuan. The contracts used in these fishing ponds are either buying and selling fish objects, or using leasing contracts with a bonus of fish. This study aims to understand the Maqasid Shariah perspective on Shariah fishing contracts in Padangsidimpuan regarding the status of payment for entrance tickets to Shariah fishing ponds in the city. This research is descriptive qualitative research, and the primary data sources used are the owners of fishing ponds and the local community engaged in fishing. Data collection techniques include interviews, observations, and documentation. After conducting the research, it was found that in terms of fiqh muamalah, the implementation of leasing fishing ponds is in accordance with the principles because the conditions and requirements of the lease have been fulfilled, and there are no issues between the pond owners and the fishermen in terms of transactions as both parties engage willingly. From the perspective of Maqasid Shariah, which serves as a benchmark for determining the goodness or badness (benefits and harms) of something, it is based on what constitutes basic human needs. In terms of Shariah economics, it is evident that someone entrusted as a lessor in this cooperation must act honestly towards the party leasing the fishing pond.
ECO-SPIRITUAL BASED ON MAQA>S}ID AL-SHARI>'AH: The New Relationship of Man with the Environment Siregar, Ibrahim; Rangkuti, Suheri Sahputra
AL-TAHRIR Vol 23 No 1 (2023): Islamic Studies
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/altahrir.v23i1.5833

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Theoretically, Islamic doctrines can adapt to the situation and conditions of reality. However, in Islamic history, it isn't easy to find studies about the importance of establishing a relationship with nature or the environment in which that reality stands. This research offers a paradigm that bridges the new relationship between humans and the environment. At this level, the author builds a paradigm with a multidisciplinary approach. Methodologically, maqa>s}id al-shari>'ah is used as a paradigm foundation and umbrella for human actions when responding to their environment. This study found that the maqa>s}id al-shari>'ah-based eco-spiritual paradigm is embodied in spiritual actions in the form of sacralization and ecological contemplativeness. Explicatively, sacralization and ecological contemplativeness are applied based on the principles of Islamic ethics, al-insija>m (harmony), al-iqtis}a>d (equality), al-ta'a>nu>q (interdependency), and al-tanz}i>f (cleaning). 
Analisis Legalitas Kutipan Akta Nikah Wali Pernikahan Oleh Saudara Se Ibu di Kantor Urusan Agama Kecamatan Angkola Simbolon, Sahron; Siregar, Ibrahim; Arsad Nasution, Muhammad
Jurnal Pendidikan Tambusai Vol. 8 No. 1 (2024): April 2024
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v8i1.14643

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Tujuan penelitian ini yaitu untuk mendeskripsikan (1) Praktek penikahan dengan wali nikah saudara se Ibu di Kantor Urusan Agama Kecamatan Angkola Barat. (2) Legalitas kutipan akta nikah wali pernikahan oleh saudara se-Ibu di Kantor Urusan Agama Kecamatan Angkola Barat. (3) Tinjauan hukum Islam tentang pernikahan dengan wali nikah oleh saudara se Ibu. Adapun penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif. Hasil penelitian menunjukkan bahwa praktek penikahan dengan wali nikah saudara se Ibu di Kantor Urusan Agama Kecamatan Angkola Barat terlaksana dengan adanya unsur kesalah fahaman mengenai ketetapan wali nikah, dan unsur kesengajaan pihak mempelai perempuan menetapkan wali nikah saudara se Ibu dengan mengganti marga pada namanya. Legalitas kutipan akta nikah wali pernikahan oleh saudara se Ibu di Kantor Urusan Agama Kecamatan Angkola Barat ditinjau dari hukum negara tetap dinyatakan sah, karena status wali yang tertulis pada kutipan akta nikah adalah saudara kandung. Sedangkan menurut hukum Islam legalitas kutipan akta nikahnya tidak sah, karena realitanya wali nikahnya adalah saudara se Ibu dari Romaida Pasaribu. Tinjauan hukum tentang pernikahan dengan wali nikah oleh saudara se Ibu berdasar pada undang-undang perkawinan, kompilasi hukum Islam, dan pemahaman dari kitab fiqih menetapkan sesuai dengan kedudukan wali pada pernikahan dapat dinyatakan tidak sah dan wajib untuk melakukan nikah ulang dengan menetapkan wali nikah yang sah baik ia wali nasab ataupun wali hakim.
Universalism of Islamic Scholarly Tradition: New Directions for Islamic Studies Siregar, Ibrahim; Rangkuti, Suheri Sahputra
Islam Transformatif : Journal of Islamic Studies Vol. 7 No. 2 (2023): July-December 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/it.v7i2.8050

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AbstractThe universalism of the Islamic scholarly tradition is seen as one of the keys in responding to some challenges and opportunities that come along with an increasingly connected modernity. This research examines the evolution of Islamic thought from a period of disintegration to integration and underscores the importance of the universalist approach in uniting different schools and views within the Islamic world. The type of research used in this study is library research using a paradigmatic philosophical-historical analysis approach. The research combines three approaches: philosophical, historical, and paradigmatic analysis. In this context, philosophical analysis explores concepts related to universalism in Islam. The data in this research were obtained through a literature study. Researchers are involved in in-depth reading several books, papers, articles, and classical texts relevant to the past understandings of universalism. These data are also used for perspective enrichment. The results of this study show the originality of tradition and modernity as historical roots and a foothold departing from the discussion of universalism of the Islamic scientific tradition. In addition, the results of this study also emphasize three methods of approach to produce universalism of the scientific tradition, namely: ideological criticism, historical analysis, and structural analysis. Universalisme tradisi keilmuan Islam dipandang sebagai salah satu kunci untuk menanggapi tantangan dan peluang yang datang bersama dengan modernitas yang semakin terhubung. Penelitian ini membahas tentang evolusi pemikiran Islam dari periode disintegrasi ke integrasi dan menggarisbawahi pentingnya pendekatan universalisme dalam menyatukan berbagai aliran dan pandangan di dunia Islam. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian kepustakaan (library research) dengan menggunakan pendekatan analisis filosofis-historis paradigmatik. Penelitian ini menggabungkan tiga pendekatan: analisis filosofis, historis, dan paradigmatik. Dalam konteks ini, ketiga pendekatan tersebut dipergunakan untuk mengeksplorasi konsep-konsep yang berkaitan dengan universalisme dalam Islam. Data dalam penelitian ini diperoleh melalui studi pustaka, yang melibatkan pengumpulan buku, makalah, artikel, dan teks klasik yang relevan dengan topik penelitian yang mencerminkan pemahaman masa lalu tentang universalisme, juga digunakan untuk pengayaan perspektif. Hasil penelitian ini menunjukkan orisinalitas tradisi dan modernitas sebagai akar sejarah dan pijakan berangkat dari pembahasan universalisme tradisi ilmiah Islam. Selain itu, hasil penelitian ini juga menekankan tiga metode pendekatan untuk menghasilkan universalisme tradisi ilmiah, yaitu: kritik ideologis, analisis sejarah, dan analisis struktural.
Unveiling The Nexus Between Zakat Distribution and Islamic Human Development Index: Implications for Poverty Reduction HARAHAP, CHOIRUNNISA TRI ANA; CAHYANI, UTARI EVY; SIREGAR, IBRAHIM; MAARIF, MUHAMMAD ARIFUL
Jurnal Magister Ekonomi Syariah Vol. 4 No. 1 Juni (2025): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2025.041-07

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This study analyzes the interaction between zakat distribution and the Islamic Human Development Index (I-HDI) on the poverty rate in North Sumatra. The problem addressed in this research is the limited empirical evidence explaining how zakat and human development jointly influence poverty reduction in Muslim-majority regions. Fourteen districts/cities with complete annual data for the four-year period 2019–2022 were selected, producing panel data observations. This study employs the Panel Vector Error Correction Model (PVECM), which is suitable for analyzing causality, interdependence, and adjustment processes within non-stationary panel data. The results show that zakat distribution contributes to reducing poverty, although its effect becomes meaningful only after several periods when the adjustment process converges toward a consistent long-term pattern. Meanwhile, the I-HDI demonstrates a stronger and more persistent influence on poverty reduction, with its impact increasing until it reaches a stable long-run trajectory. The findings also indicate that zakat positively supports improvements in I-HDI, especially in later periods of the analysis. This study highlights the need to improve the efficiency and targeting of zakat distribution and to strengthen collaboration between zakat institutions and government development programs. The novelty of this research lies in the use of the I-HDI, an index based on maqāṣid al-sharī‘ah that integrates spiritual, educational, health, and socioeconomic dimensions, offering a more contextual and holistic measure of human development compared to the conventional HDI.
Analisis Substansi Aturan Isbat Nikah Poligami Atas Dasar Nikah Siri Pada Surat Edaran Mahkamah Agung No. 3 Tahun 2018 Dedi Anton Ritonga; Ibrahim Siregar; Putra Halomoan Hasibuan
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 3 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i3.5823

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Penelitian ini bertujuan untuk menganalisis Surat Edaran Mahkamah Agung Nomor 3 Tahun 2018 tentang isbat nikah poligami tanpa izin Pengadilan Agama dalam perspektif maqāṣid syarī‘ah Imam As-Syatibi. Fokus penelitian ini adalah mengkaji kesesuaian kebijakan tersebut dengan tujuan syariat Islam, khususnya dalam menjaga kemaslahatan keluarga, melindungi hak perempuan, serta menjamin kepastian hukum bagi anak. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan deskriptif-analitis berbasis studi kepustakaan, dengan menganalisis bahan hukum primer, sekunder, dan tersier secara normatif melalui pendekatan maqāṣid syarī‘ah, terutama pada lima tujuan pokok syariat (al-ḍarūriyyāt al-khams). Hasil penelitian menunjukkan bahwa ketentuan dalam SEMA Nomor 3 Tahun 2018 pada dasarnya sejalan dengan prinsip maqāṣid syarī‘ah, khususnya dalam menjaga keturunan (ḥifẓ al-nasl) serta melindungi perempuan dan anak dari praktik poligami yang tidak terkontrol. Kebijakan ini mencerminkan upaya negara dalam menertibkan administrasi perkawinan dan mencegah penyalahgunaan poligami. Namun demikian, larangan isbat nikah poligami tanpa izin pengadilan juga berpotensi menimbulkan dampak negatif bagi istri dan anak dari perkawinan yang tidak tercatat, terutama terkait perlindungan hukum. Oleh karena itu, diperlukan penguatan regulasi yang lebih responsif guna menjamin perlindungan hak-hak perempuan dan anak tanpa mengabaikan ketertiban hukum.
Legal Conflict in Isbat Nikah of Polygamous: Perspective of SEMA Number 3 Year 2018 and its Implications for Biological Justice Achmad Sofyan Aji Sudrajad; Ibrahim Siregar; Zul Anwar Ajim Harahap
Tribakti: Jurnal Pemikiran Keislaman Vol. 35 No. 2 (2024): Tribakti: Jurnal Pemikiran Keislaman
Publisher : Universitas Islam Tribakti (UIT) Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/tribakti.v35i2.5533

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This article examines the legal conflicts associated with marriage validation (isbat nikah) in the context of polygamous marriages, particularly in relation to the Supreme Court Circular Letter (SEMA) No. 3/2018 and its implications for biological justice. SEMA No. 3/2018 mandates the rejection of isbat nikah applications based on informal or unregistered marriages to uphold legal certainty. The study employs normative research methods, incorporating conceptual, statutory, case, and comparative approaches. The conceptual approach is utilized to explore theories of biological and procedural justice. The statutory approach analyzes relevant legal provisions, with a focus on SEMA No. 3/2018 and marriage law. The case approach provides an in-depth analysis of two pivotal court decisions: the Cilacap Religious Court Decision No. 0430/Pdt.P/2019/PA.Clp and the Supreme Court Decision No. 223/K/Ag/2020. The comparative approach evaluates how these cases illustrate differing applications of the law. Data are analyzed qualitatively and descriptively to uncover and understand disparities in the application of justice. The study critically assesses the implications of SEMA No. 3/2018 on biological justice, highlighting the need for not only legal recognition of marriages but also robust protection of all parties' rights. The findings reveal significant deficiencies in the current legal framework, advocating for a more nuanced approach that reconciles legal recognition with the protection of biological rights. The research offers comprehensive recommendations for policymakers and legal practitioners aimed at enhancing legal provisions for individuals in unregistered polygamous marriages. These recommendations emphasize the importance of fostering dialogue among legal experts and updating regulations to ensure both procedural and substantive justice. Theoretical implications suggest that procedural and biological justice may conflict in the realm of isbat nikah in polygamous marriages, necessitating a more integrated and holistic legal approach to achieve substantive justice for all involved parties.
Pengaruh Disiplin Kerja dan Etos Kerja Islam terhadap Kinerja Karyawan dengan Gaya Kepemimpinan sebagai Variabel Moderasi Fikahan Melda; Ibrahim Siregar; Utari Evy Cahyani
Indonesian Journal of Multidisciplinary on Social and Technology Vol. 4 No. 3 (2026): Juli - Oktober
Publisher : PT Ilmu Data Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijmst.v4i3.12555

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Kinerja karyawan merupakan salah satu aspek penting dalam mendukung keberhasilan organisasi, khususnya pada sektor perbankan yang membutuhkan sumber daya manusia dengan tingkat profesionalitas, disiplin, dan tanggung jawab yang tinggi. Penelitian ini bertujuan untuk menganalisis pengaruh disiplin kerja dan etos kerja Islam terhadap kinerja karyawan dengan gaya kepemimpinan sebagai variabel moderasi pada PT Bank Mandiri KC Padangsidimpuan. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Data penelitian diperoleh melalui penyebaran kuesioner kepada 95 karyawan yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan metode Structural Equation Modeling-Partial Least Square (SEM-PLS) dengan bantuan aplikasi SmartPLS 4.0. Hasil penelitian menunjukkan bahwa disiplin kerja berpengaruh positif dan signifikan terhadap kinerja karyawan. Hal ini menunjukkan bahwa semakin tinggi tingkat disiplin kerja karyawan, maka semakin baik pula kinerja yang dihasilkan. Selain itu, etos kerja Islam juga terbukti berpengaruh positif dan signifikan terhadap kinerja karyawan, yang menunjukkan bahwa nilai kejujuran, amanah, tanggung jawab, dan kerja keras mampu meningkatkan kualitas kerja pegawai. Selanjutnya, gaya kepemimpinan terbukti mampu memoderasi pengaruh etos kerja Islam terhadap kinerja karyawan, tetapi tidak mampu memoderasi pengaruh disiplin kerja terhadap kinerja karyawan. Penelitian ini memberikan kontribusi dalam pengembangan kajian manajemen sumber daya manusia, khususnya mengenai penerapan nilai-nilai etos kerja Islam dan peran kepemimpinan dalam meningkatkan kinerja karyawan pada lembaga perbankan konvensional.