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The Analysis Of Sharia Conformity To Kafalah Contract and Hasanah Card Products In Islamic Banking Faulina Faulina; Galih Mareta Nur Ka’bah; Milna Sari; Zaitun Qamariah
Ekonomi Keuangan Syariah dan Akuntansi Pajak Vol. 1 No. 3 (2024): Juli : Jurnal Ekonomi Keuangan Syariah dan Akuntansi Pajak
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/eksap.v1i3.172

Abstract

This study focused on assessing the conformity of sharia to kafalah contracts in Hasanah Card products. The main findings show that the implementation of kafalah contracts on Hasanah Cards still does not fully meet the required Sharia criteria. The majority of scholars are of the view that the agreement related to ujrah for kafalah services falls into the category of riba qardh, so it is forbidden. Therefore, it is important to keep the kafalah in its purity context as a form of aid and almsgiving without any element of imbalance or compensation that is not under the principles of Shariah. This research is expected to make a significant contribution to the development of Islamic financial products that are more in line with Islamic teachings. By highlighting shortcomings in the implementation of the kafalah contract in the Hasanah Card product, it is hoped that it will encourage better improvement and innovation efforts to ensure Sharia compliance in Islamic finance practices. In addition, this research is also expected to increase public awareness of the importance of applying sharia principles in every aspect of finance, to create a more transparent, fair, and under Islamic values.
The Dynamics of Al Wadi'ah Al Mashirifiyyah in Islamic Banking: Theory and Implementation Feni Anjani; Eka Rodiyah Sri Wulandari; Alfika Safitri; Zaitun Qamariah
Ekonomi Keuangan Syariah dan Akuntansi Pajak Vol. 1 No. 3 (2024): Juli : Jurnal Ekonomi Keuangan Syariah dan Akuntansi Pajak
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/eksap.v1i3.199

Abstract

This article discusses the dynamics of Al Wadi'ah Al Mashirifiyyah in the context of Islamic banking, with a focus on the theory and implementation of the concept. This literature review explores the origins, basic principles, and practical application of Al Wadi'ah Al Mashirifiyyah in the Islamic banking industry. Through a comprehensive literature analysis, this article evaluates the effectiveness and challenges faced in the implementation of Al Wadi'ah Al Mashirifiyyah. The results of the study show that although this concept offers many benefits, there are also a few challenges in its application that require further attention. This article aims to provide a deep and useful insight for practitioners and academics in the field of Islamic banking.
Innovative Teaching with TELL: Enhancing Speaking Skills through Digital Applications Miftahul Jannah; Dhea Nuraisyah; Sumarni Sumarni; Helli Ramdanniah Liswati; Zaitun Qamariah
Journal Innovation In Education Vol. 3 No. 1 (2025): Journal Innovation in Education (INOVED)
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/inoved.v3i1.2143

Abstract

The ability to speak effectively is an essential component of language proficiency, yet it remains one of the most challenging skills for learners to master. This study investigated the role of Technology Enhanced Language Learning (TELL) tools, such as Duolingo, Zoom, ELSA Speak and YouTube, in improving speaking among language learners. Using desk research, findings show that these tools significantly improve learners' pronunciation, fluency and engagement. For example, Duolingo systematically improves vocabulary and skill development, while ELSA Speak provides real-time pronunciation feedback. Zoom facilitates interactive group discussions through breakout rooms, and YouTube encourages self-directed learning by exposing learners to authentic language content. Despite the benefits, challenges such as limited internet access and suitability of the tools for advanced learners remain. These findings suggest that strategically integrating multiple TELL tools can maximize speaking proficiency outcomes. Future research should explore the long-term impact and cross-context applicability of these tools in language learning.
From Sentence to Short Paragraphs : Developing Writing Tasks for Beginner Learners Luciana Luciana; Zaitun Qamariah; Novia Fitrian; Tria Angela Kusumaningrum
Fonologi : Jurnal Ilmuan Bahasa dan Sastra Inggris Vol. 3 No. 1 (2025): Jurnal Ilmuan Bahasa dan Sastra Inggris
Publisher : Asosiasi Periset Bahasa Sastra Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/fonologi.v3i1.1296

Abstract

This research explores strategies to support novice learners in developing their writing skills in the English Education Study Program at an Indonesian university, the Islamic Institut of Palangka Raya. Writing is often considered one of the most challenging aspects of language learning, requiring a combination of vocabulary knowledge, grammatical precision and structural coherence. The participants, five beginner learners, were selected using purposive sampling and underwent a writing task that progressed from sentence-level exercises to paragraph construction. Data were collected through semi-structured interviews and direct observation, and analyzed thematically. Findings showed that challenges such as limited vocabulary, grammatical errors, and psychological barriers such as low self-confidence hindered students' progress. Effective strategies included guided sentence construction, collaborative writing exercises, and exposure to structured templates and quality reading materials. The participants reported improved confidence and skills through positive feedback and step-by-step writing tasks. The findings suggest that integrating motivating and structured learning methods can significantly improve writing ability among beginners, contributing to their academic and personal growth.
Integrating English Instruction with Contemporary Islamic Values: A Literature Review Krisna Dwi Alifhia Rezky; Zaitun Qamariah
Jurnal Nakula : Pusat Ilmu Pendidikan, Bahasa dan Ilmu Sosial Vol. 3 No. 1 (2025): Pusat Ilmu Pendidikan, Bahasa dan Ilmu Sosial
Publisher : Asosiasi Riset Ilmu Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nakula.v3i1.1502

Abstract

The integration of English language teaching with contemporary Islamic educational values is an innovative approach that combines language mastery with character development based on Islamic principles. This approach aims to address dual needs: fostering global competencies while preserving cultural and religious identity. Integrating values such as honesty, responsibility, respect, and tolerance into the English curriculum enriches the learning experience and promotes character building among students. Teachers play a vital role as facilitators, utilizing creative and culturally relevant materials, such as Islamic texts, Qur'anic stories, and historical narratives, to create a meaningful learning environment. This approach not only enhances language skills but also instills ethical and spiritual dimensions in education. Despite challenges such as limited teacher training and the availability of suitable teaching materials, the integration of Islamic values into English language teaching offers a holistic framework for shaping individuals who are both globally competent and morally grounded. This study emphasizes the importance of aligning educational practices with Islamic principles to prepare students for a connected modern world while preserving their religious and cultural heritage.
Developing Audio-Visual EFL Material for Conditional Sentences Marshanda Marshanda; Najwa Amalia; Rani Rani; Raysha Ramadhani; Zaitun Qamariah
Jurnal Bima : Pusat Publikasi Ilmu Pendidikan bahasa dan Sastra Vol. 3 No. 1 (2025): Jurnal Bima : Pusat Publikasi Ilmu Pendidikan bahasa dan Sastra
Publisher : Asosiasi Riset Ilmu Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/bima.v3i1.1522

Abstract

This study develops audio-visual teaching materials to enhance secondary school students’ understanding of conditional sentences in English as a Foreign Language (EFL) instruction. Adopting the Borg and Gall Research and Development (R&D) model, the study involves information gathering, planning, prototype development, field testing, and product revision. The materials include animated videos and interactive exercises designed to engage students and simplify complex grammatical concepts. Data collected through questionnaires, interviews, observations, and tests reveal improved student comprehension and engagement after using the materials. Teachers noted that these resources align with curriculum requirements and support effective grammar teaching. This study highlights the potential of audio-visual media in addressing challenges in EFL grammar instruction, offering practical and innovative solutions for educators.
Peran Mahasiswa Prodi TBI Dalam Penguatan Materi Self-Introduction Bagi Siswa Sekolah Dasar DI Kota Palangka Raya Alya Audria; Zaitun Qamariah; Akhmad Ali Mirza
Kegiatan Positif : Jurnal Hasil Karya Pengabdian Masyarakat Vol. 2 No. 2 (2024): Juni : Kegiatan Positif : Jurnal Hasil Karya Pengabdian Masyarakat
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/kegiatanpositif.v2i2.951

Abstract

This community service activity involves a collaboration between lecturers and students of the English Education Program (Tadris Bahasa Inggris - TBI) to strengthen the self-introduction skills of fourth-grade students at MI Hidayatul Insan, Kota Palangka Raya. Through interactive and enjoyable learning methods, students actively serve as facilitators and mentors, helping students develop their English skills. The activities include introductory sessions, repeated practice, and educational games designed to boost students' confidence in introducing themselves. The results show a significant improvement in students' ability to perform self-introductions smoothly and confidently. This collaborative approach not only provides immediate benefits to the students but also enriches the teaching experience of the TBI students, preparing them to become more competent educators. In conclusion, the involvement of TBI students in strengthening self-introduction materials effectively enhances the English language skills of elementary school students.
Transformasi Sosial Melalui Pendidikan Islami: Pengabdian Masyarakat di SMP Sahabat Alam Refi komariah; Zaitun Qamariah
ARDHI : Jurnal Pengabdian Dalam Negri Vol. 2 No. 6 (2024): Desember : ARDHI : Jurnal Pengabdian Dalam Negri
Publisher : Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ardhi.v2i6.849

Abstract

The 65-day Merdeka Belajar Kampus Merdeka (MBKM) activity at SMP Sahabat Alam aims to support the development of students' character and skills through an Islamic education approach. The main activities include *Qur'an Time*, congregational dhuha prayer with students as the person in charge, class rule discussions, phonics journals, and learning assessments. The author also contributed to special activities such as being a camping committee, Qur'an Night, parenting, and Liqo. Through this approach, the MBKM program has succeeded in creating a conducive and inspiring educational environment, supporting students in developing their academic, social, and spiritual potential. This program also shows the importance of integrating character education into the school curriculum to form a generation that is independent, disciplined, and has an Islamic character.
Pemanfaatan Canva dan YouTube sebagai Media Pembelajaran dalam Pengajaran Bahasa Inggris di MA Hidayatul Insan Palangka Raya Rizki Hasanah; Zaitun Qamariah
Manfaat : Jurnal Pengabdian Pada Masyarakat Indonesia Vol. 1 No. 4 (2024): November : Manfaat : Jurnal Pengabdian Pada Masyarakat Indonesia
Publisher : Asosiasi Riset Ilmu Tanaman Dan Hewan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/manfaat.v1i4.137

Abstract

English proficiency is a crucial skill in the globalization era, especially in business, communication, and industry sectors, which demand this international language as a competitive advantage. Over the past decade, advancements in Information and Communication Technology (ICT) have significantly impacted English learning, including through online platforms like YouTube and Canva. This study examines the utilization of these two platforms in English teaching at MA Hidayatul Insan Palangka Raya, particularly on the topic "Word Order of Adjective." The methods used include visual presentations with Canva and interactive videos from YouTube. In its implementation, students engaged in dialogues, watched instructional videos, and participated in quizzes as a form of comprehension assessment. The study results indicate that using YouTube and Canva significantly enhances students' participation and learning motivation while reinforcing vocabulary acquisition and comprehension through an interactive approach. Recommendations are provided for the application of these digital media in high school English learning, with suggestions for further research involving long-term impacts and variations in teaching methods across different educational contexts.
Peran Mahasiswa PGMI dalam Peningkatan kemampuan mengenal angka dalam Bahasa Inggris melalui media papan angka di MIN 3 Kota Palangka Raya Sugian, Widiya; Zaitun Qamariah; Nur Inayah Syar
Jurnal Pengabdian Masyarakat: Tipis Wiring Vol 3 No 2 (2024): Tepis Wiring: Jurnal Pengabdian Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Unversitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/tepiswiring.v3i2.4602

Abstract

Penelitian ini bertujuan untuk mengeksplorasi peran mahasiswa Pendidikan Guru Madrasah Ibtidaiyah (PGMI) dalam meningkatkan kemampuan siswa MIN 3 Kota Palangkaraya mengenal angka dalam bahasa Inggris melalui penggunaan media papan angka. Metode yang digunakan adalah tindakan kelas dengan melibatkan mahasiswa PGMI sebagai fasilitator dan mentor. Hasil penelitian menunjukkan bahwa penggunaan media papan angka secara signifikan meningkatkan pemahaman dan kemampuan siswa dalam mengenal dan menyebutkan angka dalam bahasa Inggris. Proses pembelajaran yang interaktif dan inovatif melalui media ini juga meningkatkan minat dan motivasi siswa dalam belajar. Pendampingan oleh mahasiswa PGMI memberikan dampak positif terhadap kualitas pembelajaran, menciptakan suasana yang lebih menyenangkan dan kondusif untuk belajar. Kesimpulannya, peran aktif mahasiswa PGMI dalam penerapan media pembelajaran kreatif seperti papan angka sangat efektif dalam meningkatkan kemampuan bahasa Inggris siswa.
Co-Authors Abdul Syahid Achmad Zaelani Afna Nadila Aghnia Assifa Nadia Ahmad Basahil AHMADI Akhmad Ali Mirza Aldo Saputra Alfika Safitri Alif Bismillah Alvin Maulana Alya Audria Ana Nur Fitriani Arif Dian Pratama Arum Marbawani Aulia Rahmi Ayu Muliahayati Nashir Ayu Sundari Beri Tantoni deni adi saputra Dhea Nuraisyah Dinna Aulia Putri Andani Diva Erviana Dyah Ayu Marrantika Eka Darwanti Eka Rodiyah Sri Wulandari Evita Sri Hidayanti Fajariah Fajariah Faulina Faulina Fauzan Reza Fahlevi Feni Anjani Galih Mareta Nur Ka’bah Hadma Yuliani Haliza Nuriya Hapiyah Hapiyah Harmini Helli Ramdanniah Liswati Hesty Widiastuty Hesty Widiastuty, Hesty Hilda Dwi Junianti Ibnu Elmi AS Pelu Ikrimah Ikrimah Isnaeni Maulidiati Rahmah Istiyati Mahmudah Joko Samudro Karmila Karmila Kholida Ziya Krisna Dwi Alifhia Rezky Luciana Luciana Lutfia Maulida M Sabrina Marshanda Marshanda Maulidina Tri Amanda Mayra Musdalifah MIFTAHUL JANNAH Milla Anggraini Milna Sari Moc Chotib Muhammad Alief Raihan Ramadhan Muhammad Hairil Muhammad Makmun Mi’raj Muhammad Noor Habil Muhammad Rafi Zidan Muhammad Rafli Muhammad Syabrina Nadia Nadia Najwa Amalia Ningrum, Rini Listiya Norsafitri Novia Fitrian Nur Inayah Syar Nuralisa, Nuralisa Nuril Ainularifin Nurlaila Nurlaila Puput Melati Sukma Putri Cahya Novebriani Rahma Ibtida Saumi Rahmadi Nirwanto Rahmandani Nor Ramadhan Rahmat Rahmat Rani Oktavia Rani Rani Ratih Puspita Dewi Ratna Eva Wati Ratna Kartika Sari Raysha Ramadhani Refi Komariah Rini Listiya Ningrum Rismawati Rismawati Rizki Hasanah Rizki Ramadhan Roshim Ahmad Musyaffa Rufaidah Rufaidah Sabariah Sabariah Sabarun Salasiah Selvionita Selvionita Setria Utama Rizal Siminto Siminto Siminto Sintiya Nurunnisa Siska Sari Siti Anisah Siti Nabila Jihan Siti Rahmawati Sri Setianingsih Suci Diah Sririzki Sugian, Widiya Sulistyowati Sulistyowati Sulistyowati Sumarni Sumarni Supianur Supianur Syafina Annazah Syahlanudin, Siti Nurrahmah Syarif Hidayat Tiara Tria Angela Kusumaningrum Ummi Qudsiyah Usup Kurniawan Weni Wulandari Weny Windasari Widya Wulandari Wilda Cahyani Yasara Nur Ramadhanty Yasmine Mumtaazah ZAINI MIFTAH