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Islamic Bank Customers’ Categorization of Cognitive Process Regarding Usury: A Case Study in Bank Syariah Indonesia Manado Telsy Fratama Dewi Samad; Ahmad Saifulloh
Millah: Journal of Religious Studies Vol. 21, No. 2, February 2022
Publisher : Program Studi Ilmu Agama Islam Program Magister, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/millah.vol21.iss2.art2

Abstract

Although previous studies on usury have been conducted, the focus on customers’ knowledge of usury was limited. This study aimed to analyze Islamic bank customers’ cognitive process regarding usury and to analyze the differences between Muslim and non-Muslim customers’ perspectives regarding usury practice in the bank. The study could be categorized as qualitative because it used qualitative data in the form of interview results. Furthermore, it used a case study approach with Bank Syariah Indonesia Manado as the location. Twenty customers of the bank, ten of them Muslims and ten other non-Muslims, were selected as participants using a convenience sampling method. They were interviewed using the Zoom application to collect data on their knowledge regarding usury and Islamic banks. Anderson and Krathwohl’s categories of the cognitive process were used to categorize participants’ responses. The results showed that all customers attained level 1 (remember) and level 2 (understand) usury and only four of them attained level 3 (apply) based on Anderson and Krathwohl’s categorization. It implied that only four of ten Muslim participants become customers of the Islamic bank because of their belief in the bank’s status as a usury-free financial institution. Other findings suggested that all customers were in the same opinion that money lending practiced by the loan sharks should be categorized as usury, while not all customers viewed money lending by the current banking industry as usury.
Concept Good Education with Adab to Build Islamic Human Resource Development Rakhmad Agung Hidayatullah; Amir Reza Kusuma; Ahmad Saifulloh; Usmanul Khakim
International Journal of Asian Business and Management Vol. 2 No. 3 (2023): June, 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijabm.v2i3.4625

Abstract

This study endeavors  to elaborate on the educational philosophy of Syed Muhammad Naquib al Attas. Al Attas' educational thought, if traced according to his background, it cannot be separated from his attention to the current of secularization of science. As a philosopher, his conception of education begins with his view point on the human beings in terms of being very Islamic. For him, secular Western education gave birth to humans who are uncivilized, savage and brought damage not only to nature but also to humanity itself. Moreover , he sees that the cure for the crisis caused by the secularization of knowledge is through education. Therefore,  it is interesting to discuss the concept as proposed by al Attas to solve this problem
Pemberdayaan Buruh Migran Indonesia (BMI) di Singapura: Penyusunan Panduan Kehidupan Berbangsa dan Bernegara Pramono, Muhamad Fajar; Saifulloh, Ahmad; Amalia, Novi Rizka; b. Hj. Embek, Mohd Jakfar
Jurnal Ilmiah Padma Sri Kreshna Vol. 6 No. 1 (2024): Jurnal Ilmiah Padma Sri Kreshna
Publisher : Universitas Widya Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37631/psk.v6i1.1446

Abstract

It is known that the number of BMI in Singapore in 2020 was 88 thousand people, including those from Ponorogo. On the other hand, the population in Singapore consists of various ethnicities and religions. Of course this also has an influence on religious life. The aim of community service with Madani Intitut Singapore is to prepare guidelines for national and state life for BMI in Singapore, especially in worship. The implementation method used in this service is in the form of collaboration with Madani Intitut by carrying out various activities, including: hearings, counseling and hearings. The results of this collaborative service, apart from obtaining an MoU with Madani Intitut Singapore, are also the preparation of practical guidelines for national and state life for Indonesian female workers in Singapore, especially in worship for Indonesian female workers in Singapore. The conclusion from the activity is that Singapore is a country that upholds pluralism, meritocracy and the supremacy of law. The key is that all agreements are stated in the employment agreement, including in worship. Then the state will guarantee the rights of the community, including BSI in Singapore, to worship.
A Design of Arabic Writing Skills Test for Beginners According to Standardization of the American Council On The Teaching Of Foreign Languages (ACTFL) Mahmudi, Ihwan; Hasanah, Maghfirotul; Ismail, Moh.; Saifulloh, Ahmad; Fatawi, Izzul
Lisanan Arabiya: Jurnal Pendidikan Bahasa Arab Vol 8 No 2 (2024): December 2024
Publisher : Pusat Studi Kependidikan (PSKp) Fakultas Ilmu Tarbiyah dan Keguruan, Universitas Sains Al-Qur'an

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32699/liar.v8i2.8353

Abstract

Abstract Tests or questions that use ACTFL standards at level Novice is one way to find out Arabic language learning standards and students' ability standards, especially writing skills tests. ACTFL standardization at the Novice level consists of 3 levels, namely Novice High (high beginner level), Novice Mid (intermediate beginner level), and Novice Low (low beginner level). The research uses a qualitative method through a literature study by studying the Skills Guide book American Council On The Teaching Of Foreign Languages (ACTFL) and other literature such as articles and books. Based on the results of the analysis carried out in this research, there are 20 tests or questions according to ACTFL standardization at the level Novice that is 20% of the questions of difficulty level or Novice High (4 questions), 50% of the questions are medium level or Novice Mid (10 questions), and 30% easy level questions or Novice Low (6 questions). Keywords: Test, Writing Skills, Beginner (Novice), ACTFL.
āl-I’jāz al-Bayāni fii Sūrah āl-Insyirāh īnda Āisyah Binti āl-Syāthi’ waa Ālāqatuha bii Īlmi āl-Nafs lii āl-Murāhiq (Linguistic Studies) Agus Budiman; Nailul Istibsyaroh; Ahmad Saifulloh; Nur Rochmatul Kamilah
Mantiqu Tayr: Journal of Arabic Language Vol. 4 No. 2 (2024): Mantiqu Tayr: Journal of Arabic Language
Publisher : Institut Agama Islam Ma'arif NU (IAIMNU) Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25217/mantiqutayr.v4i2.4616

Abstract

This research focuses on analyzing the beauty of the language in Surah āl-Insyirāh, which contains strong messages about consolation and strengthening in the face of difficulties. This research also examines the importance of these messages in the context of adolescent psychology, a critical period in the emotional and mental development of individuals. This research aims to reveal The graphic miracle, according to Āisyah Binti āl-Syāthi’, in Surah āl-Insyirāh, can be a guide for teenagers in facing the problems of their world, which is full of worries and anxieties. This research uses a qualitative research approach by collecting some data and then analyzing it until the research ultimately obtains important results with the presence of different aspects of the declarative miracle in Surah āl-Insyirāh. It has been found that Surat āl-Insyirāh has a profound linguistic beauty that can provide comfort and reinforcement. The message about there being ease after hardship, the importance of patience, and continuing to strive is very relevant to the challenges teens face. Āisyah Binti āl-Syāthi’s interpretation enriches the understanding of how these messages can be applied in the daily lives of teenagers, helping them develop emotional and mental resilience. Thus, this study shows that the graphic miracle of Surah āl-Insyirāh is not only amazing in terms of language but also has a positive impact on the mental health of teenagers. This research provides an explanation as well as an important contribution in literary and linguistic analysis to reveal the uniqueness of language style (i'jaz bayani) contained in Surah āl-Insyirāhwhich has a high beauty of language and a deep rhetorical structure. It is recommended that further research be conducted to expand the analysis to include other letters in the Qur’an and evaluate the effectiveness of applying these values in a broader and more diverse context.
Analysis Of Online Arabic Language Proficiency Test Questions Based On Bloom's Cognitive Taxonomy Mahmudi, Ihwan; Bujanah, Hanifa; Ismail, Moh.; Saifulloh, Ahmad; Fatawi, Izzul; Hasanah, Maghfirotul
Ijaz Arabi Journal of Arabic Learning Vol 8, No 2 (2025): Ijaz Arabi: Journal Of Arabic Learning
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ijazarabi.v8i2.29595

Abstract

One of the visions of the University of Darussalam Gontor is to become a center for the language of the Qur'an. An online Arabic language test is conducted to measure its students' Arabic proficiency. This study aims to analyze the difficulty level of the online Arabic language test at the University of Darussalam Gontor based on Bloom's Cognitive Taxonomy. The research employs a descriptive quantitative method. The data was collected from students' test scores, which cover three language skills: reading (qira'ah), listening (istima'), and writing (kitabah). The sample was randomly selected, comprising 135 students for the writing test, 127 for the listening test, and 129 for the reading test. The results indicate that the difficulty level of the questions based on students' test results for the reading skill shows that 10% of the questions were classified as difficult, 42% as middle, and 48% as easy. For the listening skill, 17% of the questions were classified as difficult, 44% as middle, and 39% as easy. There were no difficult questions in the writing skill, with 83% being middle and 17% easy. Regarding the cognitive domains of Bloom's taxonomy, 21% of the questions in reading test (qiraah) were categorized as HOTS, 52% as MOTS, and 17% as LOTS. For the listening test (istima), 11% of the questions were classified as HOTS, 67% as MOTS, and 11% as LOTS, while for the writing test, 10% were categorized as HOTS, 55% as MOTS, and 25% as LOTS.
Analysis of the Quality of Arabic Language Online Test Items Based on ACTFL Standards Mahmudi, Ihwan; Muhyiddin, Luthfi; Ismail, Moh; Saifulloh, Ahmad; Kusnawan, Wawan
Langkawi: Journal of The Association for Arabic and English Vol. 11 No. 2 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lkw.v11i2.12047

Abstract

This study aims to analyze the quality of Arabic language online test items at the University of Darussalam Gontor using the standards of the American Council on the Teaching of Foreign Languages (ACTFL) as a reference for item quality analysis. The item analysis was conducted on three main Arabic language skills: listening, reading, and writing. The University of Darussalam Gontor was selected as it is one of the Islamic higher education institutions in Indonesia that is committed to the development of Arabic language. This study employed a descriptive quantitative method. Data were collected through student score documents from Arabic online tests at the University of Darussalam Gontor, consisting of 20 items for the listening test, 29 for the reading test, and 29 for the writing test. The sample was selected using random sampling: 135 students for writing, 127 for listening, and 129 for reading. Data were analyzed using descriptive statistics. The results revealed that in terms of validity, the reading skill test showed the highest validity rate at 86%. In terms of reliability, the writing skill test demonstrated the highest reliability. The discrimination index analysis showed that the writing test had the best quality, while the difficulty index analysis indicated that the listening test had a fairly balanced distribution: 50% of items at a medium level, 33% easy, and 17% difficult. Furthermore, the analysis of test items based on ACTFL standards showed that items at the intermediate level still predominated.
Ecological Model of Global Citizenship Education Curriculum in Pesantren-Based Universities Saifulloh, Ahmad; Utomo, Bambang Setyo; Azizah, Nurul
Journal La Edusci Vol. 6 No. 3 (2025): Journal La Edusci
Publisher : Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journallaedusci.v6i3.2558

Abstract

Global Citizenship Education (GCE) has emerged as an important tool to prepare students for addressing the challenges of globalized world. However, Islamic higher education institutions are still struggling in implementing GCE. This study examines the design and implementation of GCE curricula at pesantren-based universities in Indonesia. Utilizing Bronfenbrenner’s Ecological Systems Theory as a framework, the study focuses on how GCE is integrated into the formal, informal, and hidden curricula within pesantren’s unique ecological systems. This research which employs case study design with interactive analysis model finds that both universities participated in this research develop students’ global competencies such as critical thinking, cultural adaptability, and social responsibility. UNIDA employs an integrative approach, embedding GCE across its curriculum, whereas UDN adopts a cross-curricular strategy. Despite strengths in informal and hidden curricula within both universities, challenges remain in transitioning from teacher-centered to student-centered pedagogy in formal learning. This study underscores the moral and humanistic orientation of GCE in pesantren-based universities and sets the groundwork for future research to develop a comprehensive GCE model tailored to residential higher education institutions.