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Implementasi KUR Syariah Berbasis Rahn Tasjily dalam Pengembangan UMKM di PT Pegadaian Rizkyanti, Rizkyanti; Damirah; Nurfadhilah; Musmulyadi
BJRM (Bongaya Journal For Research in Management) Vol. 8 No. 2 (2025): BJRM (Bongaya Journal of Research in Management)
Publisher : LPPM STIEM BONGAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37888/bjrm.v8i2.703

Abstract

This study aims to analyze the implementation of Sharia-based People’s Business Credit (KUR Syariah) using the Rahn Tasjilycontract in supporting Micro, Small, and Medium Enterprises (MSMEs) at PT Pegadaian CP Parepare. It focuses on the procedural compliance with Maqashid Shariah and its contribution to MSME growth. A qualitative case study was conducted through semi-structured interviews, observation, and documentation involving Pegadaian staff and financing recipients. Data were thematically analyzed and validated through source triangulation. Findings show that the KUR Syariah disbursement process is efficient, with simple requirements and fast procedures. The Rahn Tasjily contract complies with DSN-MUI Fatwa No. 68/DSN-MUI/III/2008 and upholds Maqashid Shariah by avoiding riba, gharar, and maysir, with a maintenance costs (mu’nah) of 0.14 % every month. This financing has positively impacted MSMEs by increasing turnover, production capacity, market reach, and employment. However, some issues remain, such as fund misallocation and limited mentoring. The study highlights the importance of inclusive, fair, and Sharia-compliant financing for sustainable MSME development. Its originality lies in the integration of normative and empirical analysis of Rahn Tasjily practices in a non-bank institution, based on real client experiences.
Perspektif Baru Moderasi Beragama Dalam Dinamika Kehidupan Kota Pontianak Wahyuni, Sri; Musmulyadi; Maskuri
JURNAL PENDIDIKAN KEWARGANEGARAAN Vol 9 No 1 (2025): Jurnal Pendidikan Kewarganegaraan Edisi Juni 2025
Publisher : UNIVERSITAS PGRI PONTIANAK

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31571/jpkn.v9i1.9025

Abstract

Moderasi beragama merupakan pendekatan yang menekankan toleransi, saling menghormati, dan dialog antar pemeluk agama untuk menciptakan harmonis sosial. Artikel ini mengeksplorasi penerapan moderasi beragama dalam konteks sosial dan budaya Kota Pontianak, dengan fokus pada peran Forum Kerukunan Umat Beragama (FKUB) dalam memfasilitasi dialog antar agama di tengah keragaman etnis dan agama yang ada. Kajian pustaka ini menunjukkan bahwa   beragama memiliki peranesensial dalam menjaga hubungan antar komunitas, menyelesaikan konflik berbasis agama,dan membangun lingkungan damai. Melalui pendidikan berbasis nilai-nilai toleransi, dialog lintas agama, serta dukungan pemerintah dan Lembaga keagamaan, moderasi beragama terbukti menjadi strategi efektif yang difasilitasi oleh FKUB untuk mengatasi tantangan keragaman. Pendidikan dan peran serta FKUB dalam program-program dialog antar agama, seperti festival budaya yang melibatkan berbagai komunitas agama, telah Memperkuat interaksilintas agama dan meminimalisir ketegangan sosial.
OPTIMIZATION OF ZAKAT MANAGEMENT IN MICRO BUSINESS EMPOWERMENT: A CASE STUDY OF BAZNAS PANGKEP REGENCY Anwar, Muhammad; Mahsyar; Semauin, Syahriyah; Andi Bahri; Musmulyadi
Jurnal Diskursus Islam Vol 13 No 2 (2025): Tafsir, Hadis, Syariah, Ekonomi Islam
Publisher : Program Pascasarjana, UIN Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/jdi.v13i2.54818

Abstract

Zakat has a strategic role in the Islamic economic system, not only as a religious obligation but also as an instrument of economic empowerment. This research was conducted to analyze the management of zakat by BAZNAS Pangkajene and Islands Regency, especially in empowering micro businesses as an effort to improve community welfare. The background of this research is the great potential of zakat in Indonesia, which is often not optimally utilized, especially in supporting micro businesses. This research uses a qualitative method with a phenomenological approach. Data were obtained through in-depth interviews with key informants, including BAZNAS managers, mustahik, and muzakki, as well as document analysis. The data collection process involved direct observation, structured interviews and literature study. Analysis was conducted inductively to explore patterns, meanings, and relevant experiences. The results showed that the management of zakat in BAZNAS Pangkajene and Islands Regency was carried out in a structured manner through the stages of planning, organizing, directing, coordinating, and supervising. This approach allows zakat to be distributed effectively and on target. Findings also show that well-managed zakat can help mustahiks develop micro-enterprises, thus contributing to their transformation into muzaki. However, challenges in community education, coordination, and supervision still require attention. The implication of this research is the need for innovation in zakat management to maximize its impact on micro business empowerment. Data-driven approach, cross-sector synergy, and integrated training program can strengthen the role of zakat as an instrument of sustainable economic development. This research provides an important contribution to the development of a more strategic and effective zakat policy.
Peningkatan Hasil Belajar IPA melalui Model Pembelajaran Kooperatif Tipe Complex Instruction di Sekolah Dasar Nurhayati, Febri; Dewita, Memi Putri; Yoni, Nasri; Usman, Andi; Musmulyadi, Musmulyadi; Fatmawati, Fatmawati; Devimar, Helen; Yohana.S, Reni
Jurnal Pendidikan Tambusai Vol. 6 No. 1 (2022): 2022
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v6i1.5663

Abstract

Penelitian ini dilatarbelakangi oleh rendahnya hasil belajar siswa pada mata pelajaran IPA di kelas V SDN 001 Langgini Kabupaten Kampar, berdasarkan hasil tes sebelum tindakan diketahui dari 18 orang siswa hanya 6 (33,33%) orang siswa yang telah mencapai nilai di atas Kriteria Ketuntasan Minimal (KKM) yang telah ditetapkan, yaitu 75. Rumusan masalah dalam penelitian ini adalah apakah melalui model pembelajaran Kooperatif tipe Complex Instruction dapat meningkatkan hasil belajar IPA materi proses pembentukan tanah siswa kelas V SDN 001 Langgini Kabupaten Kampar. Sebagai subjek dalam penelitian ini adalah siswa kelas V tahun pelajaran 2021-2022 dengan jumlah siswa sebanyak 18 orang. Sedangkan objek dalam penelitian ini adalah penerapan model pembelajaran Kooperatif tipe Complex Instruction untuk meningkatkan hasil belajar IPA. Sedangkan teknik pengumpulan data yang digunakan teknik observasi, dan tes. Berdasarkan hasil penelitian, disimpulkan bahwa penerapan model pembelajaran kooperatif tipe Complex Instruction dapat meningkatkan hasil belajar IPA pada materi proses pembentukan tanah siswa kelas V SDN 001 Langgini Kabupaten Kampar. Hasil belajar siswa jauh lebih meningkat dibandingkan pada sebelum tindakan. Sebagaimana diketahui ketuntasan belajar siswa pada siklus II meningkat menjadi 16 orang (88,89%) siswa yang tuntas. Sedangkan 2 orang siswa (11,11%) belum tuntas, artinya hasil belajar siswa pada siklus II telah mencapai Kriteria Ketuntasan Minimal yang telah ditetapkan sebesar 75%, adapun Kriteria Ketuntasan Minimal (KKM) yang telah ditetapkan dalam penelitian ini adalah 75.
Unlocking The Potential of "Kalosara": An Extensive Analysis of Adultery Instances Dispute Resolution in the Tolaki Tribe through the Lens of al-Ishlah Concept Haq, Islamul; Hannani, Hannani; Syatar, Abdul; Amiruddin, Muhammad Majdy; Musmulyadi, Musmulyadi
Al-Risalah Vol 24 No 1 (2024): June 2024
Publisher : Fakultas Syariah UIN Sulthan Thaha Saifuddin Jambi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/alrisalah.v24i1.1488

Abstract

This article delves into the comprehensive examination of the dispute resolution in adultery cases within the Tolaki Tribe, specifically through the traditional practice of "Kalosara." The research also explores the relevance of Kalosara to the al-Ishlah concept in Islamic criminal law. This research uses the literature review method to establish a robust theoretical foundation. This research indicates a significant relevance between the Kalosara custom and the concept of Ishlah in the context of Islamic criminal law. The practice of Kalosara in resolving cases of adultery within the Tolaki Tribe reflects the principles of Ishlah, emphasizing reconciliation, restoration, and conflict resolution. The stages of the resolution process, from the acknowledgment of the perpetrator to the purification ceremony, mirror a holistic approach to achieving restorative justice. The research results show that the integration of Kalosara customary law in the Ishlah process reflects the aspirations of the Tolaki community for a comprehensive resolution and effective recovery at various levels, including individual, social, and broader community contexts. In the settlement through Kalosara, adulterers are expected to admit their actions, express regret, and carry out a purification process with a holistic approach to resolving conflicts and restoring social relations.
Tantangan Regulasi Hukum Investasi di Indonesia dalam Mendorong Pertumbuhan Ekonomi Musmulyadi, Musmulyadi; Agustina, Sri; Haloho, Kristina Sri Devi br; Hudri, Zonny; Wurdiyantho, Rio; Siregar, Timotius Ferdana; Yohanes, Rudy; Tambunan, Ronaldo; Siregar, Yusuf Satria; H, Yohanes Rezky Andrian
Jurnal Pendidikan Tambusai Vol. 7 No. 3 (2023): Desember 2023
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v7i3.12296

Abstract

Penelitian ini menganalisis tantangan regulasi hukum investasi di Indonesia dalam konteks mendukung pertumbuhan ekonomi. Metode normatif digunakan dengan fokus pada analisis peraturan investasi di Indonesia. Temuan penelitian meliputi ketidakpastian hukum, birokrasi yang kompleks, ketidakseimbangan kebijakan nasional dan daerah, dan masalah perlindungan investor. Data primer diperoleh dari undang-undang, peraturan pemerintah, kebijakan investasi, dan literatur terkait. Hasil penelitian menunjukkan perlunya reformasi regulasi untuk menyederhanakan dan meningkatkan kepastian hukum, sejalan dengan praktik internasional. Kolaborasi antara pemerintah, sektor swasta, dan para pemangku kepentingan diidentifikasi sebagai kunci untuk meningkatkan iklim investasi. Penelitian ini merekomendasikan langkah-langkah konkret untuk perbaikan regulasi, dengan harapan dapat menciptakan lingkungan investasi yang menarik, mendukung pertumbuhan ekonomi yang berkelanjutan, dan meningkatkan kepercayaan investor.
The Fusion of Islamic Education and Bugis Socio-cultural Values as a Guide to Freedom of Thought Muh. Ilham Jaya; Arfian Alinda Herman; Musmulyadi; Immanuel Conti Morales, Alberto
Al-Ishlah: Jurnal Pendidikan Islam Vol 22 No 1 (2024): Al-Ishlah: Jurnal Pendidikan Islam
Publisher : IAIN PAREPARE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/alishlah.v22i1.7858

Abstract

Background: The existence of sociocultural values that are so strong and thick in the daily life of Bugis people is interesting to be associated with the conception of freedom of thought. Considering that freedom of thought is still a concept that still requires a long study. Research Objectives: This research provides an overview of the conception of freedom of thought and how Bugis socio-cultural values and norms can guide this freedom of thought. Hopefully, this research will provide a comprehensive understanding of freedom of thought from the perspective of Islamic education and Bugis socio-culture. Methods: The research method used is a library research method that collects related literature and then combines it with content analysis so as to provide results and conclusions. Results: The results show that freedom of thought is a concept that refers to individual freedom to think independently and critically without being influenced by existing opinions or authorities. However, freedom of thought must be accompanied and "supervised" by a herd of values and a set of principles so that there will be no significant problems arising when the thinking touches the corners of axiology (intersects with social society). Conclusions: Islamic education and Bugis socio-cultural values can greatly guide freedom of thought because the development of Islam itself has recognized the school of kalam science as the foundation of thinking and Bugis society contains so many values, both from the oral tradition of pappaseng and those contained in the ethical philosophy called pangadereng.
Penggunaan RPP Dapat Mempengaruhi Peningkatan Prestasi Belajar Mahasiswa Semester Genap Pada MTsN 4 Bireun Tahun Ajaran 2022-2023 Musmulyadi, Musmulyadi
JIM: Jurnal Ilmiah Mahasiswa Pendidikan Sejarah Vol 8, No 4 (2023): Agustus, Social Religious, History of low, Social Econmic and Humanities
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jimps.v8i4.26773

Abstract

Penggunaan RPP dalam proses pembelajaran sangat mempengaruhi peningkatan nilai belajar siswa . Tujuan penelitian ini adalah untuk mengetahui pengaruh pengembangan dari teori-teori baru tentang penggunaan Rencana Pelaksanaan Pembelajaran (RPP) dalam proses belajar mengajar yang dapat meningkatkan nilai belajar siswa semester Genap Pada MTsN 4 Bireuen Tahun Pelajaran 2022-2023. Subjek penelitian ini adalah Guru-guru Guru-guru MTsN 4 Bireuen Tahun Pelajaran 2022-2023 berjumlah 10 orang guru. Prosedur penelitian adalah melakukan persiapan penelitian berupa perencanaan penelitian, melakukan tindakan sekolah, melakukan pengamatan dalam proses tindakan dan melakukan refleksi dari hasil tindakan. Hasil penelitian siklus I pertemuan ke 1 nilai rata-rata dari penggunaan Rencana Pelaksanaan Pembelajaran (RPP) mencapai nilai 1,77 dengan kriteria Tidak Baik tetapi nilai ini hampir mencapai nilai 2 Kriteria Kurang Baik. Hasil pengamatan kesiapan mengajar guru siklus penggunaan KD 30%, penggunaan strategi pembelajaran 40%, penggunaan laptop 30% dan memotivasi dalam proses pembelajaran. 40%. nilai ketuntasan belajar rata-rata 47,40 %. Pertemuan ke 2 hasil pengamatan terhadap perangkat mengajar mencapai 50%, penggunaan strategi pembelajaran 50%, penggunaan laptop 50% dan memotivasi proses belajar mengajar mencapai 50%. hasil belajar siswa yang dilaksanakan 10 orang guru maka rata-rata persentase ketuntasan belajar siswa mencapai 51,84%.Hasil pengamatan siklus II pertemuan ke 1 hasil pengamatan tentang kemampuan guru-guru di atas maka penulis menemukan nilai rata-rata 3 dari proses pembelajaran dengan kriteria Cukup Baik. nilai siswa dari 10 orang guru berhasil pada perangkat mengajar 70% kemudian penggunaan strategi pembelajaran 60%, penggunaan alat laptop dan invokes 70% dan memotivasi proses pembelajaran 80%. nilai belajar siswa dari 10 orang guru yang mengikuti tindakan supervisi kunjungan kelas maka penulis menemukan 75,40%. Pertemuan ke 2 persiapan mengajar guru-guru telah mencapai kesiapan perangkat mengajar 70%, penggunaan strategi pembelajaran 70%, penggunaan laptop 70% dan motivasi mengajar mencapai 80%. hasil belajar dari 10 orang guru mencapai ketuntasan belajar 82,06% nilai ini telah dapat dinyatakan tuntas belajar secara klasikal.
Judi Online Sebagai Cybercrime Serta Tantangan Penegakan Hukum Pidana di Era Digital: Antara Regulasi, Pembuktian, dan Ancaman Cybercrime Seri Mughni Sulubara; Harry Fauzi; Bohari Muslim; M. Fadli Ferdiansyah Putra; Musmulyadi Musmulyadi
Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora Vol. 4 No. 2 (2025): Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrish.v4i2.4990

Abstract

Online gambling is a form of cybercrime that utilizes information and communication technology, especially the internet, as a medium to commit gambling crimes. Online gambling as a form of cybercrime has become an increasingly widespread phenomenon in line with the rapid development of information and communication technology. Gambling that was previously only known conventionally is now transforming into the digital realm by utilizing the internet as the main media. This research uses a theoretical study of online gambling as cybercrime. This research uses a qualitative approach with an analytical descriptive method. The types of data used are primary data in the form of laws and regulations (ITE Law, Criminal Code), online gambling case documents, official police reports, as well as academic literature and scientific articles related to cybercrime and online gambling. Meanwhile, secondary data is obtained from observation of the investigation process and law enforcement carried out by the cybercrime unit in the police. The data collection technique uses Library Research to collect secondary data relevant to cybercrime legal regulations and theories. The data analysis technique uses qualitative analysis techniques with a descriptive approach. Online gambling is expressly prohibited by Indonesian laws and regulations, especially through Law No. 11/2008 on Electronic Information and Transactions (ITE Law) and its amendments, such as Law No. 19/2016 and Law No. 1/2024. Article 27 paragraph (2) of the ITE Law prohibits any person from distributing, transmitting, or making accessible electronic information containing online gambling content, with imprisonment of up to 10 years and a maximum fine of IDR 10 billion in the latest amendment. In addition, the Criminal Code (KUHP) regulates gambling in general in Articles 303 and 303 bis, with criminal penalties that are also quite severe, although they do not specifically regulate online gambling. Law enforcement against online gambling faces various complex challenges. The existing regulations are still partial and not fully able to accommodate the cross-border and dynamic characteristics of cybercrime.Proof of online gambling cases relies heavily on electronic evidence that requires digital forensic expertise,such as imaging the perpetrator's device and server,as well as analyzing activity logs and electronic transactions
Pelaksanaan Peradilan Adat Oleh Sarak Opat di Kabupaten Aceh Tengah Bohari Muslim; Harry fauzi; Musmulyadi Musmulyadi
Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora Vol. 4 No. 1 (2025): Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrish.v4i1.5134

Abstract

Central Aceh is one of the Regencies located in the center of the Province of Aceh which is dubbed as the Gayo plateau region, Aceh is a province in Indonesia that applies customary law in settling cases or disputes in the community through the Sarak Opat Kampung Customary Court, as regulated in The Aceh Qanun number 9 of 2008 concerning the Development of Customs and Customs was later reinforced by Governor Regulation Number 60 of 2013 concerning the Implementation of Customary and Customary Dispute / Dispute Settlement.This study aims to describe the function and authority and find out the procedures for implementing Customary Courts by Sarak Opat in Central Aceh District, then to find out the invoices that constrain Sarak Opat in carrying out customary justice and to find formulations that are obstacles in the implementation of adat justice in Aceh District The middle.This study uses empirical juridical research methods with research sites in Central Aceh District using secondary, primary and tertiary data, then the research data is collected through literature, interviews and observations. From the results of the data are further arranged descriptively analysis.
Co-Authors A Tiara Mukhtar A. Asma A. Yayuk Abd. Hamid Abd. Hamid Abd. Rahman Abdul Halim Mahmud ABDUL HAMID Adam Jait Ahmad Kamil Makarim Amiruddin, Muhammad Majdy Andi Bahri Andi Bahri S Andi Masniah Andi Usman Angraeni, Natila Annur, Destina Efri Anugrah, Mahamad Azhar Apriansyah, Muhammad Ansar Arfian Alinda Herman Arhad, Muhammad Artianasari, Nining Arwin Arwin Asmiati Bahri, Andi Binti Kisman, Rizky Bohari Muslim Budiono, I Nyoman Bunga, Purnamasari Burhan Burhan Cakrah, Yuyun Andira Damirah Damirah Damirah Damirah DAMIRAH DAMIRAH, DAMIRAH Darwis Devimar, Helen Dewita, Memi Putri Dian Resky Pangestu Didi Eza Rizaldy Emily Nur Saidy Fahmiah Akilah Fatmawati, Fatmawati Fitri Indah Sari H, Yohanes Rezky Andrian Haloho, Kristina Sri Devi br Hannani Harry Fauzi Hasdinar Helen Sabera Adib Heriana Herman, Arfian Alinda Hudri, Zonny Immanuel Conti Morales, Alberto Islamul Haq Isma Wulandari Pryatna Ismaidar I, Ismaidar Jumrah Tahir kpi, Hayana M. Fadli Ferdiansyah Putra M.M, Besse Faradiba Mahsyar Maskuri Md Shah, Jalihah Moh. Yasin Soumena Mughni Sulubara, Seri Muh. Ilham Jaya Muh. Zukri Malik Muhammad Anwar Muhammad Haramain Muhammad Satar Muliati Muliati, Muliati Muliati, Muliati Noblana Adib Nur, Fakhriyah Nurfadhilah Nurfadhilah, Nurfadhilah Nurfadillah Nurhayati, Febri Nurlina Nurlina Nurnaningsih A Nurnaningsih Nurnaningsih Pangestu, Dian Resky Rahman, Sundari Rasnawati Rasyid, Siti Ratri Reza, Muh Rezki Fani Rizkyanti, Rizkyanti Rusnaena Rusnaena RUSNAENA RUSNAENA, RUSNAENA Safrida Safrida Safrida Sahrani, Sahrani Sari, Junita Semauin, Syahriyah Semaun, Syahriyah Siradjuddin Siradjuddin Siregar, Timotius Ferdana Siregar, Yusuf Satria Soumena, Moh Yasin Sri Agustina, Sri Sri Wahyuni St. Nurhayati Subair, Muhammad Kamal Sundari Rahman Syafaruddin Syafrida Syafrida Syahriyah Semaun, Syahriyah Syatar, Abdul Tamaulina Tamaulina Tambunan, Ronaldo Trian Fisman Adisaputra Waliyuddin Wardani, Safira Wurdiyantho, Rio Yohana.S, Reni Yohanes, Rudy Yoni, Nasri Yuli Setyowati