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Khotibul Umam
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Integrating Islamic Social Funds in Sharia Banking for Empowering Indonesia’s Productive Poor Umam, Khotibul; Tama, Berlian Widya
Journal of Central Banking Law and Institutions Vol. 5 No. 1 (2026)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jcli.v5i1.498

Abstract

The enactment of Law No. 4 of 2023 on the Development and Strengthening of the Financial Sector (the DSFS Law) expands the role of Sharia banks beyond collecting social funds to managing and distributing them. However, challenges remain, including limited financial inclusion, limited use of social contracts such as qardh al-hasan, and underutilisation of commercial contracts like salam and istishna, which could benefit the micro, agricultural, and manufacturing sectors. This study examines the compatibility of Islamic social funds (ISF) with a bank’s role as a financial intermediary and with the expected function of Sharia banking in financing a productive poor society. This study uses normative legal research, emphasising secondary data, and employs three approaches: the statutory approach, the conceptual approach, and the comparative approach. The DSFS Law (Law No. 4/2023) provides a clear legal basis for Sharia banks and Sharia business units not only to collect but also to manage and distribute ISF. The DSFS Law broadens Sharia banks’ role in (ISF). However, gaps remain in waqf management and zakat coordination, creating challenges for integration with Sharia banking. To overcome this, more substantial regulatory alignment and support from Bank Indonesia (BI) and the Financial Services Authority (Otoritas Jasa Keuangan/OJK) are needed to fully connect sharia banks’ intermediation role with ISF.
Determinants of Generation Z’s Interest in Using BYOND by BSI: An Empirical Study: Faktor-Faktor yang Mempengaruhi Minat Generasi Z dalam Menggunakan BYOND by BSI: Studi Empiris Azizi, Nadya Apriza; Umam, Khotibul; Fadllan, Fadllan
Perisai : Islamic Banking and Finance Journal Vol. 9 No. 2 (2025): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i2.1876

Abstract

This study aims to analyze the factors influencing Generation Z’s interest in using BYOND for BSI digital banking services, selecting ease of use, security, and service features as independent variables. The researcher used a quantitative approach, conducting a purposive survey of 120 BSI customers in Pamekasan. Data analysis used SPSS version 24 to test validity and reliability, assess classical assumptions, perform multiple linear regression, and test hypotheses. The results showed that ease of use and security had a positive, significant effect on Generation Z’s interest, while service features had no significant partial effect. The regression model explains a significant amount of variation in interest. Theoretically, this study integrates the UTAUT and TAM models in Islamic digital banking for Generation Z, highlighting service features as minimum expectations. The practical implications recommend that BSI improve its UI/UX, security, and innovative features. The limitations of this study include its local scope and low R-squared, and it offers suggestions for broader follow-up research.
Penataran dan Penyegaran Wasit Bolabasket Lisensi C Dan B2 Kabupaten Kebumen: Training and Refresher Program for C and B2 Licensed Basketball Referees in Kebumen Regency Anisa Isna Khusnul Hotimah; Aziz, Alfiah Rizqi; Irawan, Yogi Ferdy; Burhaeni, Erick; Syarif, Ahmad; Wijaya, Febri; Irkham, Khafid; Parmadi, Mokhamad; Widiyono, Ibnu Prasetyo; Widodo, Puput; Ali, Jaka Sayidina; Umam, Khotibul; Sumantri, Riyan Jaya; Hadiatmo, Agus; Abdillah, Rusli
Bestari: Jurnal Pengabdian Kepada Masyarakat Vol 6 No 1 (2026): Januari 2026
Publisher : Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Melawi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46368/dpkm.v6i1.4777

Abstract

Abstrak Pertandingan Bola Basket semakin bertambah dan terus mengalami peningkatan baik di Kebumen sampai wilayah eks-Karesidenan Kedu dan Banyumas. Permasalahan yang muncul pada sebuah pertandingan bola basket resmi maupun lokal yaitu penyediaan wasit di wilayah kebumen yang masih kurang. Hal ini mengakibatkan kualitas pertandingan dan pengembangan atlet bola basket terhambat dan terhenti. Penataran dan penyegaran wasit bola basket lisensi C dan B2 ini bertujuan untuk meningkatkan kompetensi profesional para SDM klub bola basket dan Lembaga Pendidikan Kebumen yang difokuskan pada pemahaman peserta mengenai aturan pertandingan yang berlaku dalam konteks perwasitan. Penataran dan Penyegaran “Wasit Bola Basket Lisensi C dan B2” ini akan sangat bermanfaat bagi klub bola basket dan Lembaga Pendidikan di Kebumen kedepannya karena erat kaitanya dengan keberhasilan suatu pertandingan. Pelaksanaan Penataran dan penyegaran bola basket lisensi C dan B2  dilaksanakan pada Kamis-Minggu, 31 Juli - 3 Agustus 2025 dengan pemateri yang berasal dari Dosen-Dosen Program Studi POR Universitas Ma’arif Nahdlatul Ulama Kebumen dan Satu Narasumber dari luar. Metode yang digunakan dalam pelatihan ini adalah ceramah mengenai peraturan permainan bola basket, tips untuk wasit dan hakim servis, pakaian pemain internasional dan pakaian pemain PERBASI, simulasi pengisian scoresheet, materi kosa kata dan study kasus. Selain ceramah juga praktik lapangan, ujian teori dan evaluasi teori. Hasil penataran dan penyegaran wasit bola basket lisensi C dan B2 di Kampus Ma’arif Nahdlatul Ulama Kebumen dan di Gor Gembira ini menunjukkan adanya peningkatan pengetahuan dan pemahaman peserta terhadap peraturan permainan, teknik pencatatan skor, serta instruksi teknis bagi pejabat lapangan. Kata kunci: Wasit Bolabasket, Penataran, Penyegaran, Peraturan, PERBASI Abstract The rapid growth of basketball competitions in Kebumen and the surrounding regions of the former Kedu and Banyumas residencies has highlighted a critical shortage of qualified referees. This limitation has adversely affected the quality of match implementation and hindered the development of local basketball athletes. This study reports the implementation of a training and refresher program for C and B2 license basketball referees aimed at strengthening the professional competence of human resources from basketball clubs and educational institutions in Kebumen. The program, conducted from 31 July to 3 August 2025, involved experts from the Physical Education Study Program of Universitas Ma’arif Nahdlatul Ulama Kebumen alongside an external specialist. Utilizing a combination of lectures, case-based discussions, vocabulary reinforcement, scoresheet simulations, field practicums, theoretical assessments, and evaluative procedures, the program emphasized mastery of current officiating regulations and technical protocols. The findings demonstrate a substantial improvement in participants' understanding of game rules, scorekeeping accuracy, and on-court technical procedures. These results underscore the significance of structured referee development programs in enhancing the overall quality of basketball competitions in the region Keywords: Basketball Referees, Training, Refreshment Course, Regulations, PERBASI.
Hubungan Kerjasama Sekretariat Kabinet RI dengan Minister of Legislation (Moleg) Korea Selatan dalam Penataan Peraturan Perundang-Undangan di Indonesia Ocha Maulidyana; Khotibul Umam
J-CEKI : Jurnal Cendekia Ilmiah Vol. 5 No. 2: Februari 2026
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v5i2.15339

Abstract

Undang-undang adalah produk hukum yang ditawarkan untuk bias dilaksanakan dan dipatuhi oleh warga Negara serta dibarengi dengan hukuman apabila tidak dilaksanakan atau dilanggar sesuai yang tertulis di Undang-undang. Namun banyaknya hukum di Indonesia mengakibatkan overregulated atau adanya konflik tumpang tindih kekuasaan antara peraturan satu dengan yang lainnya. Untuk mengatasi permasalahan, Presiden Joko Widodo berupaya untuk mengubah sistem regulasi di Indonesia menjadi satu pintu, dimana nantinya akan dibuat lembaga untuk merencanakan, membuat, mengharmonisasi serta mengevaluasi peraturan yang akan dibuat atau dikeluarkan melalui lembaga tersebut. Pemerintah Indonesia melakukan kerja sama bilateral dengan Korea Selatan. Indonesia diwakili oleh Sekretariat Kabinet RI, Lembaga Legislasi Korea Selatan diwakili oleh Minister of Legislation telah menyepakati sebuah Memorandum Perjanjian (MoU) dalam rangka penataan peraturan perundang-undangan di Indonesia. Penelitian ini menggunakan metode studi kasus melalui pendekatan deskriptif kualitatif. Penelitian ini juga menggunakan Teori Kerja Sama Bilateral dan Konsep Diplomasi untuk mencapai tujuan penelitian ini, yaitu mengetahui proses kerjasama Indonesia dengan Korea Selatan mengenai penataan peraturan Undang-Undang di Indonesia. Hasil penelitian ini mengungkap bahwa kerja sama ini belum terealisasi secara sepenuhnya, namun dengan adanya kerja sama dalam penataan peraturan perundang-undangan ini akan memberikan dampak yang baik untuk Indonesia.
Lingkungan Pendidikan Berbasis Hidden Curriculum dalam Pembentukan Karakter: Studi Kasus di Pondok Modern Darussalam Gontor Putra 1 Ponorogo Tahun Ajaran 2024-2025 M Umam, Khotibul; Bahrissalim, Bahrissalim; Ghofur, Abdul
Reslaj: Religion Education Social Laa Roiba Journal Vol. 7 No. 12 (2025): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v7i12.10505

Abstract

Formal education often struggles with character formation due to fluctuating discipline, limited role modeling, and academic pressure. Pondok Modern Darussalam Gontor (PMDG) offers an alternative through a 24-hour hidden curriculum built on habituation, role modeling, institutional rituals, and peer norms. This study aims to describe the concept of the hidden-curriculum environment, analyze the role of teachers in character formation, and evaluate managerial strategies in its implementation. Using a qualitative single-case study and thematic analysis, data were collected through observation, interviews, and document review. Findings reveal six main channels of the hidden curriculum—daily rules, teacher exemplarity, institutional rituals, peer norms, structured reflection, and digital ethics—supporting a shift from sanction-based compliance to value internalization. The synergy of habituation, modeling, and reflection supported by measurable SOPs strengthens student character and offers an adaptable model for other pesantren.
Normalization of Student Cohabitation and Its Implications for Social Functioning: An Ecological Social Work Perspective from Jember, Indonesia Mubarok, Akhmad Munif; Pamungkas, Aura; Umam, Khotibul; Wulandari, Kusuma
WELFARE : Jurnal Ilmu Kesejahteraan Sosial Vol. 14 No. 1 (2025): WELFARE: Jurnal Ilmu Kesejahtaraan Sosial
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/welfare.2025.141-03

Abstract

Student cohabitation has become an increasingly visible phenomenon in university towns; however, it is often normatively framed as moral deviation or individual misconduct. Limited attention has been given to understanding cohabitation as a social–ecological process that shapes students’ social functioning, particularly from a social work perspective in non-Western contexts. This study aims to analyze the normalization of student cohabitation and its implications for social functioning through an ecological social work lens. Employing a qualitative approach with a phenomenological design, data were collected through in-depth interviews, non-participant observation, and document analysis involving students engaged in cohabitation, boarding house managers, and community actors in Sumbersari Village, Jember Regency, Indonesia. The data were analyzed thematically to capture the interactions among individual experiences, relational dynamics, and environmental structures. The findings indicate that student cohabitation is normalized through emotional closeness, practical considerations, and permissive housing environments. Students develop adaptive attitudes such as indifference to social judgment, personal rationalization, and selective disclosure of their relationships. Regarding social functioning, cohabitation produces ambivalent outcomes. On one hand, it strengthens emotional support and academic motivation; on the other, it may limit broader social engagement and increase emotional dependency, particularly when relational disruptions occur. This study demonstrates that student cohabitation should be understood as a social–ecological phenomenon rather than a purely individual choice. Its main contribution lies in advancing social work scholarship by positioning cohabitation as an issue of social functioning within a person-in-environment framework. The findings highlight the importance of preventive, community-based social work interventions in higher education settings, particularly those aimed at promoting healthy relationship literacy, emotional autonomy, and sustainable social support systems for students. Keywords: student cohabitation, social functioning, ecological systems theory, normalization, social work Kohabitasi mahasiswa merupakan fenomena yang semakin terlihat di kawasan pendidikan tinggi, namun masih kerap dipahami secara normatif sebagai penyimpangan moral atau persoalan individual. Kajian yang menempatkan kohabitasi sebagai proses sosial-ekologis yang memengaruhi keberfungsian sosial mahasiswa, khususnya dari perspektif pekerjaan sosial di konteks non-Barat, masih sangat terbatas. Penelitian ini bertujuan untuk menganalisis proses normalisasi kohabitasi mahasiswa serta implikasinya terhadap keberfungsian sosial melalui perspektif pekerjaan sosial berbasis ekologi. Penelitian ini menggunakan pendekatan kualitatif dengan desain fenomenologis. Data dikumpulkan melalui wawancara mendalam, observasi non-partisipan, dan studi dokumentasi terhadap mahasiswa pelaku kohabitasi, pengelola kos, serta aktor lingkungan di Kelurahan Sumbersari, Kabupaten Jember. Analisis data dilakukan secara tematik untuk menangkap interaksi antara pengalaman individual, dinamika relasional, dan struktur lingkungan sosial. Hasil penelitian menunjukkan bahwa kohabitasi mahasiswa dinormalisasi melalui kedekatan emosional, pertimbangan praktis, serta lingkungan hunian yang permisif. Mahasiswa mengembangkan sikap adaptif berupa ketidakpedulian terhadap penilaian sosial, rasionalisasi personal, dan keterbukaan selektif dalam mengelola relasi. Dari sisi keberfungsian sosial, kohabitasi menghasilkan dampak yang ambivalen. Di satu sisi, kohabitasi memperkuat dukungan emosional dan motivasi akademik; di sisi lain, praktik ini berpotensi membatasi partisipasi sosial yang lebih luas dan meningkatkan ketergantungan emosional, terutama ketika relasi mengalami gangguan. Penelitian ini menegaskan bahwa kohabitasi mahasiswa perlu dipahami sebagai fenomena sosial-ekologis, bukan sekadar pilihan individual. Kontribusi utama penelitian ini terletak pada penguatan perspektif pekerjaan sosial dengan memposisikan kohabitasi sebagai isu keberfungsian sosial dalam kerangka person-in-environment. Temuan penelitian ini menekankan pentingnya intervensi pekerjaan sosial yang bersifat preventif dan berbasis komunitas di lingkungan perguruan tinggi, khususnya dalam penguatan literasi relasi sehat, kemandirian emosional, dan sistem dukungan sosial mahasiswa yang berkelanjutan. Kata kunci: kohabitasi mahasiswa, keberfungsian sosial, teori sistem ekologi, normalisasi sosial, pekerjaan sosial.
Meningkatkan Sportifitas Anak Melalui Turnamen Mini Soccer antar SD/MI Umam, Khotibul; Sari, Ika Auliya
e-SPORT: Jurnal Pendidikan Jasmani, Kesehatan dan Rekreasi Vol. 6 No. 1 (2025): e-SPORT: Jurnal Pendidikan Jasmani, Kesehatan dan Rekreasi
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/0s9tt507

Abstract

This study aims to improve children's sportsmanship through healthy competition and teamwork. The methods employed were observation and administering questionnaires to participants. This study used a quasi-experimental design with a pretest-posttest approach to measure improvements in children's sportsmanship after participating in a mini-soccer tournament between elementary and Islamic elementary schools (SD/MI). The results showed an increase in sportsmanship attitudes, such as honesty, mutual respect, and emotional control. This tournament was effective as a learning medium for children's sportsmanship values. In conclusion, the mini-soccer tournament between elementary and Islamic elementary schools (SD/MI) in Jembangan Village, Banjarnegara, was effective in improving children's sportsmanship attitudes, such as honesty, mutual respect, and emotional control. In addition to being a form of entertainment, this activity also instilled positive values ​​that are important for children's character development.   Keywords: Children, Jembangan Village, Banjarnegara, Mini Soccer, Elementary and Islamic Elementary Schools (SD/MI), Sportsmanship, Tournament
INISIATIF SEKOLAH RAMAH ANAK: UPAYA PREVENTIF TERHADAP PUTUS SEKOLAH DAN PERUNDUNGAN DI SMP Umam, Khotibul; Mufidzah, Nabillah; Mutmainah, Ina
Perwira Journal of Community Development Vol 6 No 1 (2026)
Publisher : Unperba Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54199/38474y35

Abstract

This study aims to increase public awareness, especially among students, about the dangers and impacts of perundungan, prevent perundunganin the school environment, encourage victims of perundunganto dare to report the incidents they experience and create a safe, comfortable and inclusive school and community environment for all. This socialization program involves various activities, such as counseling on the importance of education, the negative impacts of perundungan, and life skills needed by students. In addition, discussion group activities, quizzes on the material presented, role-playing and penghargaan giving are also carried out to improve students' understanding of the material presented. This study used quantitative and qualitative methods involving students, teachers, and parents as subjects of community service. Quantitative data were obtained through questionnaires, while qualitative data were obtained through in-depth interviews. The results of the community service showed that the socialization program implemented was quite effective in increasing students' awareness of the importance of education and the negative impacts of perundungan. Most students stated that they understood more about the problems of dropping out of school and perundunganafter participating in this program. In addition, this program also succeeded in creating a more positive and inclusive school environment. However, there are still several obstacles that need to be considered, such as the lack of parental involvement in this program and the fact that some students still find it difficult to change their perundunganbehavior. Therefore, ongoing efforts need to be made to overcome these obstacles. As a recommendation, it is necessary to conduct periodic evaluations of this socialization program to see its progress. In addition, it is necessary to involve all stakeholders, including parents, teachers, and the community, in efforts to prevent dropping out of school and overcome perundungan.
Inovasi Layanan Outbound dan Diversifikasi Produk Souvenir Untuk Meningkatkan Daya Jual Wisata Pantai Candraloka, Olyvia Revalita; Kusumodestoni, R. Hadapiningradja; Laila, Azzah Nor; Darmanto, Darmanto; Umam, Khotibul; Swardani, Sri
I-Com: Indonesian Community Journal Vol 5 No 4 (2025): I-Com: Indonesian Community Journal (Desember 2025)
Publisher : Fakultas Sains Dan Teknologi, Universitas Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70609/i-com.v5i4.8112

Abstract

Desa Semat memiliki potensi pantai serta kekayaan alam sebagai destinasi wisata, namun belum terkelola maksimal. Tujuan pengabdian ini meningkatkan pengetahuan serta ketrampilan mitra dalam manajemen pengelolaan wisata, dan meningkatkan ketrampilan sumber daya mitra dalam inovasi layanan dan produksi souvenir. Metode pengabdian ini yaitu metode pendidikan masyarakat, pelatihan, disfusi Ipteks, dan evaluasi. Hasil kegiatan pengabdian menunjukkan peningkatan pengetahuan mitra, hal itu dibuktikan kenaikan nilai post-test mitra setelah mengikuti rangkaian pelatihan. Nilai pre-test rata-rata 58, nilai tertinggi 65, dan nilai terendah 53. Meningkat dengan hasil rata-rata nilai pos-test 79, nilai tertinggi 88, dan nilai terendah 75. Ketrampilan mitra juga meningkat dalam praktik outbond, dan memproduksi souvenir wisata desa Semat. Mitra memiliki inovasi layanan baru paket outbond, memiliki usaha produksi baru kaos sablon, pin, gantungan kunci, dan jasa sablon. Hasil evaluasi kegiatan pengabdian, semua pihak mitra merespon puas dan sangat puas. Hal menjadi indikator kepuasan mitra dan keberhasilan kegiatan pengabdian.
Co-Authors AA Sudharmawan, AA Abd. Muhaimin Abdillah, Rusli Abdul Aziz Abdul Bari Abdul Ghofur Abdul Muhid, Abdul Abdurrahim, Wahyudi Sarju Abdurrohman, Abdurrohman Achmad Fiqhi Ibadillah Achmad Rafiul Umam Adi Yusuf Adrianto Dwi Nugroho Agung Prasetyo AGUS SETIAWAN Agus Supriyadi Ah Yusuf, Ah Ahmad , Arrisal Khoirudin Ahmad Syarif Ahmad Tubagus Surur Ahmat Wakit Aini, Quratul Ainul Yaqin Akhiroh, Puji Al Faruq, Allamuddin Alfan, Thariq Alfarizi, Lutfi Ali, Jaka Sayidina Alim, Iman Nur Alim, Jawad Syahirur Allamuddin Al Faruq Amellia Mardhika Aminullah, Agus Amir Mahmud Amirul Mukminin Amri, Andi Ana Pratiwi Andhika Fahdkhansyah Andung Jati Nugroho Anestasia Pangestu Mei Tyas Anisa Isna Khusnul Hotimah Anwar, Iskandar Fahmi Apriliyani, Meli Ardhi Harist Hirosana ARDIANSYAH ARDIANSYAH Arif Arif ARIF HIDAYAT Arikah Dwi Maharani Ariyanto Ariyanto Ariyanto Ariyanto Ariyanto Arpilleda, Alcher J. Asiya, Siti Asnawan Asnawan, Asnawan Asriatik‎, Asriatik‎ Aufa, Muhammad Fikri Aufan, Muhammad Haikal Azhari, Muhammad Holqi Rizki Aziz, Alfiah Rizqi Azizi, Nadya Apriza Azzahra, Lilisa Bahrissalim Bahrissalim, Bahrissalim Bramantyo Satrio Kinayungan Budi Wicaksono Ilyas Brian Maualan, Husni budi hartono Burhaeni, Erick Choirul Anam Darmanto Darmanto Decky Rochmanto Decky Rochmanto, Decky Desti Setiyowati Dewi Astriany Dewi, Tantri Tristiana Dhani, Ahmad Dhian Marhaendri Kakantini Diah Nuraini Diah Ratna Sari Dian Eko Santoso Diana Rahmawati Dwi Maulida Dyah Purbaningrum Eko Kurniasih Pratiwi EKO WAHYUDI El Amin, Faris Endah Sri Wijayanti Fadilah Hasanah, Fadilah Fadliyah, Lailatul Fadllan Fadllan Fahmi Husaeni Fahmi Medias Fahrurrozi Fahrurrozi Faizah, Nur Laili Falah, Moh. 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