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Pendampingan Literasi Agama Pada Peserta Didik di SMPN 02 Panyabungan dalam Memperkuat Pendidikan Multikultural Nasution, Marlian Arif; Rahmat, Paisal; Harahap, Mufti Fahrizal; Hamdanil, Hamdanil; HM, Alimuddin
Jurnal Pengabdian Masyarakat: Pemberdayaan, Inovasi dan Perubahan Vol 5, No 2 (2025): JPM: Pemberdayaan, Inovasi dan Perubahan
Publisher : Penerbit Widina, Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/jpm.v5i2.1408

The increase in the number of violent incidents occurring in schools due to acts of intolerance indicates that the concept of multicultural education has not yet been fully implemented. Therefore, the aim of this service activity is to strengthen multicultural education through religious literacy. This can be a strategic effort to equip students with a good understanding of tolerance in diversity. In its implementation, this activity will adopt the Asset-Based Community Development (ABCD) methodology. The ABCD method was chosen with the consideration that this activity is more focused on guidance. The outcome of this activity is that religious literacy can be highly effective in strengthening multicultural education, with students showing openness, respecting different beliefs, and embracing diversity well.ABSTRAKMeningkatnya jumlah kekerasan yang terjadi di lingkungan sekolah disebabkan oleh tindakan-tindakan intoleransi, menunjukkan bahwa konsep dari pendidikan multikultural belumlah sepenuhnya diterapkan dengan baik. Oleh sebab itulah, kegiatan pengabdian ini bertujuan untuk memperkuat pendidikan multikultural melalui literasi agama. Hal ini dapat menjadi upaya strategis dalam membekali peserta didik untuk memiliki pengetahuan yang baik mengenai toleransi dalam keberagaman. Dalam pelaksanaannya, Kegiatan ini akan mengimplementasikan metodologi Asset Bassed Community Develovment (ABCD). Metode ABCD ini dipilih dengan pertimbangan bahwa kegiatan ini lebih bersifat pendampingan. Adapun hasil kegiatan ini ialah literasi agama dapat sangat efektif memperkuat pendidikan multikultural, siswa menunjukkan sikap keterbukaan, menghormati keyakinan yang berbeda dan merangkul keberagaman dengan baik.

ANALISIS PENGARUH RELIGIUSITAS DAN PENGETAHUAN TERHADAP MINAT MASYARAKAT UNTUK MENABUNG DI BANK SYARIAH (Studi Kasus Masyarakat Panyabungan Kota) SITI SOPUROH; Ian Alfian; Paisal Rahmat
EKSYA : Jurnal Ekonomi Syariah Vol 5 No 2 (2024): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v5i2.2145

This research aims to analyze the influence of religiosity and product knowledge on people's interest in saving at Islamic banks in Panyabungan City. The data collection method used a questionnaire with a total of 100 respondents, while the data analysis method used was multiple linear analysis using SPSS version 21. Partial t-test results of this study show that religiosity has a significant effect on the interest in saving of the people of Panyabungan City with a significant value of 0.000 < 0,005 and product knowledge has a significant effect. on interest in saving with a significance value of 0.000 < 0,005. The results of the coefficient of determination obtained R2 of 0.709 or 70.9%, which means that people's interest in saving is influenced by religiosity and product knowledge. Meanwhile, the remaining 29.1% is influenced or explained by other variables that are not included in this research. Keywords: Religiosity, Knowledge, and Interest in Saving

Penerapan Kaidah-Kaidah Fikih Ekonomi Syariah Pada Kegiatan Ekonomi: PENERAPAN KAIDAH-KAIDAH FIKIH EKONOMI SYARIAH PADA KEGIATAN EKONOMI Rahmat, Paisal
J-MABISYA Vol. 6 No. 1 (2025): J-Mabisya
Publisher : Program Studi Manajemen Bisnis Syariah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/j-mabisya.v6i1.2493

Kaidah-kaidah fikih ekonomi ialah yang membahas tentang masalah ekonomi atau muamalah. (kaidah-kaidah fiqih) terdiri dari kaidah umum dan kaidah khusus, kaidah khusus terbagi lagi kepada beberapa bidang, salah satunya adalah di bidang Ekonomi (Muamalah) Kaidah yang khusus di bidang Ekonomi (Muamalah) menjadi sangat penting karena perhatian sumber hukum islam yaitu al-Qur’an dan Hadist. Munculnya kaidah fikih ekonomi syariah dari persoalan-persoalan muamalah di kalangan masyarakat sehingga perlu adanya menegaskan berdasarkan kaidah-kaidah ekonomi syariah. Dalam pembahasan ini ada beberapa kaidah tentang ekonomi syariah yaitu kaidah asasiah, kaidah-kaidah prinsip ekonomi syariah, kaidah fiqhiyah berkaitan dengan akad, kaidah-kaidah fikih tentang kepemilikan, kaidah tentang penyelesaian kesulitan yang timbul dalam akad, kaidah dibidang transaksi, kaidah tentang kebiasaan masyarakat dalam melakukan akad

TELAAH FILOSOFIS MAKNA KEPATUHAN DALAM PERSPEKTIF FILSAFAT HUKUM Rahmat, Paisal; Arif, Marlian Arif Nasution
El-Ahli : Jurnal Hukum Keluarga Islam Vol 3 No 1 (2022): EL-AHLI : Jurnal Hukum Keluarga Islam
Publisher : Program Studi Hukum Keluarga Islam STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/el-ahli.v3i1.716

Abstract The existence of law as a rule or social norm, is to regulate social life. Law as an order and guide in behavior is intended to regulate human behavior in social life in order to protect social life and further to maintain social life. In principle, the law only gets its validity when the community accepts it and then obeys it. Compliance with this law can mean acceptance internally or externally. External acceptance is paying attention to formalities or the legal form cannot be separated from the coercive power inherent in the law in the form of sanctions for those who violate it, then the law is interpreted as a coercion. But on the other hand, internal acceptance is more about legal acceptance, which is not only a formality but is more substantial. So that the law is substantially, indeed aims to protect the interests of the community so that they have the obligation and awareness to comply with it. This process of acceptance through good internalization of the law should be owned by every member of the community as a form of compliance with the law. Keywords: Philosophical Studies, Compliance, Legal Philosophy Abstrak Keberadaan hukum sebagai aturan ataupun norma sosial, adalah untuk mengatur kehidupan bermasyarakat. Hukum sebagai tatanan dan pedoman dalam bertingkah laku ditujukan untuk mengatur tingkah laku manusia dalam hidup bermasyarakat dalam rangka melindungi kehidupan bermasyarakat dan lebih lanjut untuk mempertahankan kehidupan bermasyarakat. Pada prinsipnya hukum barulah mendapatkan keberlakuannya ketika masyarakat menerima yang kemudian mematuhinya. Kepatuhan terhadap hukum ini bisa bermakna penerimaan secara internal maupun eksternal. Penerimaan secara eksternal adalah memberikan perhatian secara formalitas atau bentuk hukum tersebut tidak dapat dipisahkan dengan daya paksa yang melekat pada hukum berupa sanksi bagi yang melanggarnya, maka hukum dimaknai sebagai suatu paksaan. Namun di sisi lain penerimaan secara internal lebih kepada penerimaan hukum yang tidak hanya secara formalitas tetapi lebih kepada substansial. Sehingga hukum secara substansial, memanglah bertujuan untuk melindungi kepentingan masyarakat sehingga memiliki kewajiban dan kesadaran untuk mematuhinya. Proses penerimaan melalui internalisasi yang baik terhadap hukum inilah yang hendaknya dimiliki oleh setiap anggota masyarakat sebagai suatu bentuk kepatuhan terhadap hukum.

TELAAH FILOSOFIS MAKNA KEPATUHAN DALAM PERSPEKTIF FILSAFAT HUKUM Rahmat, Paisal; Arif, Marlian Arif Nasution
El-Ahli : Jurnal Hukum Keluarga Islam Vol 3 No 1 (2022): EL-AHLI : Jurnal Hukum Keluarga Islam
Publisher : Program Studi Hukum Keluarga Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/el-ahli.v3i1.716

Abstract The existence of law as a rule or social norm, is to regulate social life. Law as an order and guide in behavior is intended to regulate human behavior in social life in order to protect social life and further to maintain social life. In principle, the law only gets its validity when the community accepts it and then obeys it. Compliance with this law can mean acceptance internally or externally. External acceptance is paying attention to formalities or the legal form cannot be separated from the coercive power inherent in the law in the form of sanctions for those who violate it, then the law is interpreted as a coercion. But on the other hand, internal acceptance is more about legal acceptance, which is not only a formality but is more substantial. So that the law is substantially, indeed aims to protect the interests of the community so that they have the obligation and awareness to comply with it. This process of acceptance through good internalization of the law should be owned by every member of the community as a form of compliance with the law. Keywords: Philosophical Studies, Compliance, Legal Philosophy Abstrak Keberadaan hukum sebagai aturan ataupun norma sosial, adalah untuk mengatur kehidupan bermasyarakat. Hukum sebagai tatanan dan pedoman dalam bertingkah laku ditujukan untuk mengatur tingkah laku manusia dalam hidup bermasyarakat dalam rangka melindungi kehidupan bermasyarakat dan lebih lanjut untuk mempertahankan kehidupan bermasyarakat. Pada prinsipnya hukum barulah mendapatkan keberlakuannya ketika masyarakat menerima yang kemudian mematuhinya. Kepatuhan terhadap hukum ini bisa bermakna penerimaan secara internal maupun eksternal. Penerimaan secara eksternal adalah memberikan perhatian secara formalitas atau bentuk hukum tersebut tidak dapat dipisahkan dengan daya paksa yang melekat pada hukum berupa sanksi bagi yang melanggarnya, maka hukum dimaknai sebagai suatu paksaan. Namun di sisi lain penerimaan secara internal lebih kepada penerimaan hukum yang tidak hanya secara formalitas tetapi lebih kepada substansial. Sehingga hukum secara substansial, memanglah bertujuan untuk melindungi kepentingan masyarakat sehingga memiliki kewajiban dan kesadaran untuk mematuhinya. Proses penerimaan melalui internalisasi yang baik terhadap hukum inilah yang hendaknya dimiliki oleh setiap anggota masyarakat sebagai suatu bentuk kepatuhan terhadap hukum.

Investasi Syariah sebagai Strategi Pembangunan Masa Depan yang Berkelanjutan: Kajian Konseptual dan Empiris Maulana Muklis; Alwi Bisri; Rahmat, Paisal; Hannum, Ummi
MAMEN: Jurnal Manajemen Vol. 4 No. 3 (2025): Juli 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/mamen.v4i3.5928

Sustainable development has become a global priority that requires the integration of economic, social, and environmental goals. Islamic finance, which is based on maqashid sharia and ethical principles, offers a structured framework to align investment practices with the needs of sustainable development. This study examines how Islamic investment principles integrate with the SDGs by evaluating the contribution of Islamic financial instruments in Indonesia and identifying key challenges and opportunities. Using a qualitative descriptive desk research design, data was systematically collected from academic journals, official publications, and policy documents, then analysed through content analysis with source triangulation and peer-review. The findings show that green sukuk issuance has funded five renewable energy and sanitation projects, reduced carbon emissions, and generated risk-adjusted returns comparable to conventional sukuk with better risk management. Productive waqf schemes have channelled public capital into sustainable agriculture and education, improving food security and human capital, and corporate zakat programmes have encouraged the development of MSMEs. Portfolio studies show positive impacts on economic growth and social development, mediated by good governance and regulatory support. Nonetheless, gaps remain in terms of the availability of reporting standardisation, and investor literacy highlighting the need for harmonised frameworks and capacity building. The study concludes that Islamic financial instruments significantly advance sustainable development in Indonesia, and recommends regulatory incentives, standardised Islamic ESG reporting, sustainable thematic funds, and digital financial planning platforms to make the most of Islamic investment potential for a sustainable future.

ANALISIS PENGARUH RELIGIUSITAS DAN PENGETAHUAN TERHADAP MINAT MASYARAKAT UNTUK MENABUNG DI BANK SYARIAH (Studi Kasus Masyarakat Panyabungan Kota) SITI SOPUROH; Ian Alfian; Paisal Rahmat
EKSYA : Jurnal Ekonomi Syariah Vol 5 No 2 (2024): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v5i2.2145

This research aims to analyze the influence of religiosity and product knowledge on people's interest in saving at Islamic banks in Panyabungan City. The data collection method used a questionnaire with a total of 100 respondents, while the data analysis method used was multiple linear analysis using SPSS version 21. Partial t-test results of this study show that religiosity has a significant effect on the interest in saving of the people of Panyabungan City with a significant value of 0.000 < 0,005 and product knowledge has a significant effect. on interest in saving with a significance value of 0.000 < 0,005. The results of the coefficient of determination obtained R2 of 0.709 or 70.9%, which means that people's interest in saving is influenced by religiosity and product knowledge. Meanwhile, the remaining 29.1% is influenced or explained by other variables that are not included in this research. Keywords: Religiosity, Knowledge, and Interest in Saving

Patterns of Choosing the Right Sharia Investment for Beginners Amid Global Economic Uncertainty Husin, Amir; Putri Khairani, Zenni; Matondang, Riswandi; Rahmat, Paisal
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 02 (2025): Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i02.457

This research discusses various types of Islamic investment instruments, such as Islamic stocks, sukuk, Islamic mutual funds, and gold, as well as the criteria for choosing investments that are in accordance with sharia values. Islamic investments are increasingly in demand as an investment alternative that is not only financially beneficial, but also in accordance with Islamic principles. The purpose of this research is to find the right type of Islamic investment for beginners amidst global economic uncertainty. The research also emphasizes how important it is to ensure that every investment instrument has integrity and transparency. The method used for the literature study is a descriptive qualitative approach that analyzes various relevant academic sources through content analysis. The results show that investments with low risk, affordable capital, and in accordance with sharia principles, sharia mutual funds, gold and sharia deposits are the most suitable instruments for beginners amid global economic uncertainty. Factors such as risk profile, financial goals and investment time horizon are also explained as important considerations when making decisions for Islamic mutual funds, sukuk and gold. Investors can choose Islamic investment instruments that are profitable and foster confidence with a good understanding. The results of this study are expected to be an initial guide for novice investors in choosing Islamic investments amidst economic uncertainty.

Cash Waqf, Deposito Syariah, CWLD, Keuangan Sosial Islam, Pembangunan Berkelanjutan Nasution, Rizky Auliya; Rahmat, Paisal; Nasution, Royhan Mustopa
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. X | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v1i1.25186

Cash Waqf Linked Deposit (CWLD) merupakan inovasi dalam keuangan sosial Islam yang menggabungkan konsep wakaf uang temporer dengan instrumen deposito syariah. Skema ini memungkinkan wakif menempatkan dana pada deposito berjangka di lembaga keuangan syariah, di mana hasil bagi hasilnya disalurkan kepada penerima manfaat untuk tujuan sosial, sementara dana pokok tetap aman dan dapat kembali kepada wakif. Penelitian ini bertujuan untuk menganalisis konsep dasar CWLD, mengidentifikasi peluang dan tantangan implementasinya di lembaga keuangan syariah Indonesia, serta mengkaji potensi optimalisasinya sebagai instrumen pembiayaan sosial yang mendukung pembangunan berkelanjutan. Dengan menggunakan pendekatan kualitatif deskriptif melalui studi kepustakaan, penelitian ini menemukan bahwa CWLD memiliki peluang besar untuk berkembang melalui dukungan regulasi, digitalisasi, dan meningkatnya kesadaran masyarakat terhadap filantropi Islam. Namun, tantangan berupa rendahnya literasi wakaf uang, keterbatasan kapasitas nadzir, serta belum optimalnya integrasi teknologi dan insentif fiskal masih menjadi hambatan implementasi. Oleh karena itu, optimalisasi CWLD memerlukan sinergi antarsektor, penguatan regulasi, dan strategi edukasi publik yang komprehensif. Dengan pengelolaan yang tepat, CWLD berpotensi menjadi pilar utama pembiayaan sosial Islam yang berkelanjutan di Indonesia.

The Role of Islamic Finance in Achieving Sustainable Development in Indonesia: Peran Keuangan Syariah dalam Mewujudkan Pembangunan Berkelanjutan di Indonesia Rahmat, Paisal; Nasution, Ira Nabila; Nasution, Fitri Amanda; Apriani, Lely
Al Dzahab Vol. 6 No. 2 (2025): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v6i2.5784

Purpose: This study aims to determine the role of Islamic finance in achieving sustainable development in Indonesia and what roles Islamic finance plays in achieving sustainable development. Design/methodology/approach: This research method uses a qualitative approach with library research techniques to explore and analyze literature relevant to the topic of the role of Islamic finance in achieving sustainable development. The qualitative approach was chosen because it allows researchers to understand the phenomenon in depth, including related social, economic, and environmental aspects. Findings: The results of this study indicate that Zakat, green sukuk, and Sharia microfinance play a very important role in achieving sustainability goals. They also have great potential to contribute to the achievement of sustainable development goals through the introduction of a green economy and environmentally friendly practices. Research implications: The results of this study show that there is great potential to contribute to the achievement of sustainable development goals in Indonesia through zakat, green sukuk, and microeconomic financing.

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