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All Journal I-Finance Journal Jurnal Asy-Syari'ah Mimbar Keadilan ILTIZAM Journal of Sharia Economic Research Jurnal PAI Raden Fatah Bidayatuna: Jurnal Pendidikan Guru Mandrasah Ibtidaiyah Equity: Jurnal Ekonomi Jurnal Aghniya Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Indonesian Journal of Behavioral Studies JEBI (Jurnal Ekonomi dan Bisnis Islam) Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Moderasi : Journal of Islamic Studies Journal of Economics and Business Jurnal Semesta Ilmu Manajemen dan Ekonomi Karya : Jurnal Pengabdian Masyarakat El-Mubarak: Islamic Studies Journal Jurnal Ekonomi, Manajemen, Akuntansi Journal Of Economic Cluster Al-Iqtishad
Muhammad Iqbal
Universitas Islam Negeri Raden Fatah Palembang
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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DETERMINAN KEPUTUSAN MENABUNG DI BANK SUMSEL BABEL SYARIAH: PERAN MEDIASI PERILAKU RELIGIUS PADA MAHASISWA PERBANKAN SYARIAH UIN RADEN FATAH PALEMBANG Rudi Aryanto; Iftitah Putri Saqilla; Ulil Amri; M. Iqbal
El-Mubarak: Islamic Studies Journal Vol. 3 No. 1 (2026): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v3i1.806

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh promosi dan kualitas pelayanan terhadap keputusan menabung di Bank Sumsel Babel Syariah dengan perilaku religius sebagai variabel mediasi. Penelitian ini dilatarbelakangi oleh pentingnya efektivitas promosi dan peningkatan kualitas pelayanan dalam mendorong masyarakat, khususnya mahasiswa, untuk menggunakan produk dan layanan perbankan syariah. Penelitian menggunakan pendekatan kuantitatif dengan teknik analisis jalur (path analysis). Populasi penelitian mencakup mahasiswa Program Studi Perbankan Syariah angkatan 2021 UIN Raden Fatah Palembang yang telah menjadi nasabah Bank Sumsel Babel Syariah. Sampel penelitian berjumlah 100 responden yang ditentukan menggunakan teknik purposive sampling. Data dianalisis dengan bantuan perangkat lunak IBM SPSS Statistics 29. Hasil penelitian menunjukkan bahwa promosi berpengaruh positif dan signifikan terhadap keputusan menabung. Kualitas pelayanan juga berpengaruh positif dan signifikan terhadap keputusan menabung. Namun, perilaku religius tidak berpengaruh signifikan terhadap keputusan menabung. Promosi dan kualitas pelayanan masing-masing berpengaruh positif dan signifikan terhadap perilaku religius. Hasil pengujian mediasi menunjukkan bahwa perilaku religius tidak mampu memediasi pengaruh promosi maupun kualitas pelayanan terhadap keputusan menabung. Temuan ini mengindikasikan bahwa keputusan mahasiswa untuk menabung di Bank Sumsel Babel Syariah lebih banyak dipengaruhi secara langsung oleh efektivitas promosi dan kualitas pelayanan dibandingkan oleh perilaku religius.
Maqashid Sharia Approaches in Pension Fund Programs: Bank Muamalat Indonesia and Taspen Comparison M. Iqbal; Pamuji; Ajeng Permata Sari; Fernandho; Paul Atagamen Aidonojie
Asy-Syari'ah Vol. 27 No. 2 (2025): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v27i2.45295

Abstract

Pension funds function as instruments for long-term welfare protection; however, their development in Indonesia remains constrained by low financial literacy, limited public participation, and governance and fiscal sustainability issues, including investment irregularities in state pension institutions. In line with rising demand for sharia-compliant financial instruments, the Maqashid Sharia framework emphasizes welfare (maslahah), accountability, and risk mitigation. This study aims to analyze the implementation of pension fund programs at Bank Muamalat Indonesia and Taspen through a Maqashid Sharia lens, by examining governance structures, investment mechanisms, and the alignment of programs with welfare objectives and system sustainability. This qualitative case study relies on secondary data, including corporate profiles, portfolios, participant statistics, and financial reports of Taspen and DPLK Syariah Muamalat. The findings indicate that Taspen’s defined benefit, pay-as-you-go scheme provides benefit certainty for civil servants and their heirs, thereby fulfilling individual-level maslahah (hifz al-nafs, hifz al-nasl). However, from a macro-Maqashid perspective, it imposes a heavy fiscal burden on the state budget, undermines hifz al-mal at the state level, and exposes the state to governance and investment risks. Conversely, DPLK Syariah Muamalat program, grounded in sharia principles, supervised by a Sharia Supervisory Board, and operated under a defined contribution scheme with selectable investment packages, is more closely aligned with Maqashid Sharia (hifz al-din, al-mal, al-nafs, al-nasl, al-‘aql), although its outreach remains limited. The study recommends gradual reform toward a fully funded model based on business-to-business partnerships and sharia-compliant investment instruments as an alternative pension design that is more equitable, sustainable, and consistent with Maqashid Sharia.
Child Perpetrators and Victims: Criminal Policy Approaches to Sexual Violence in Indonesia through Restorative Justice Redi Pirmansyah; Muh Zainul Arifin; M. Iqbal
Mimbar Keadilan Vol. 17 No. 2 (2024): Agustus 2024
Publisher : Faculty of Law, Universitas 17 Agustus 1945 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30996/mk.v17i2.11550

Abstract

Criminal law embodies the principle of ultimum remedium, which means that prosecution is considered a final measure in law enforcement. This principle does not seek to eliminate punishment for offenders but rather aims to protect society from crimes by using prosecution as a last resort. Offenses are not only committed by adults but also by minors. With the rapid advancement of information and telecommunication technology, sexually explicit content has become widely available through electronic media. As a result, many children mimic behaviors they have seen or heard about, particularly since they are often given access to electronic devices such as smartphones and computers with internet access. This ease of access sometimes occurs without sufficient parental supervision, exposing children to inappropriate content. Given this context, the author is motivated to conduct research titled Criminal Policy for Addressing Sexual Violence Committed by Minors Against Minors in Indonesia. This study aims to explore effective legal measures and policies to address and mitigate such incidents. The research employs a qualitative method grounded in the theory of sanctions and the theory of legal effectiveness. By utilizing a criminological approach, the study seeks to analyze crime patterns associated with sexual violence perpetrated by minors. This includes examining the socio-cultural factors that contribute to such behaviors and evaluating the current legal framework's effectiveness in addressing these issues. Through this research, the author hopes to shed light on the complexities of juvenile delinquency in the context of sexual violence and to propose informed policies that can better protect minors from both committing and becoming victims of such offenses. The findings are expected to contribute to the development of a more effective criminal justice system that balances punitive measures with rehabilitative approaches, ultimately aiming to create a safer and more just society for all.
Nilai-Nilai Pendidikan Islam: Studi Komparasi Pendidikan Multikultural Indonesia dan Kanada Iqbal Mustakim; Ahmad Yaim; Ovi Fitriyanti; Maryamah; M Riski Kurniawan
Moderasi : Journal of Islamic Studies Vol. 3 No. 1 (2023): June
Publisher : Lajnah Ta'lif wan Nasyr Nahdlatul Ulama (LTN-NU) Kabupaten Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/moderasi.v3i1.40

Abstract

Multicultural education in developed countries (Indonesia and Canada), especially in basic education, wants education that upholds human dignity by respecting and understanding the differences that each individual has. Comparison of multicultural education (Indonesia and Canada) First, each developed country (Indonesia and Canada) has similarities in multicultural education, namely wanting to eradicate acts of discrimination and uphold human rights fairly. Second,differences in multicultural education in Indonesia give a role to the Principal in monitoring the diversity of each student. In Canada, implementing multicultural education involves implementing an educational model that reconstructs cultural diversity
Pengaruh Intellectual Capital Dan Islamic Performance Index Terhadap Nilai Perusahaan Dengan Kinerja Keuangan Sebagai Variabel Intervening Pada Bank Umum Syariah Periode 2019-2024 Shiffa Mutiara Aliyyah; M. Iqbal; Aziz Septiatin
Journal of Economics and Business Vol. 4 No. 1 (2026): Journal of Economics and Business
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/econis.v4i1.1672

Abstract

This study aims to analyze the influence of Intellectual Capital and Islamic Performance Index on Company Value with Financial Performance as an Intervening variable in Islamic Commercial Banks in Indonesia during the period 2019 to 2024. Intellectual Capital is an intangible asset owned, while the Islamic Performance Index is used to measure Company Performance based on Sharia principles. Company Value is an important indicator that reflects investor perceptions of the Company's prospects in the future. This type of research is quantitative with secondary data derived from annual financial reports published by the Financial Services Authority (OJK) and each bank. The sample in this study was selected using purposive sampling, resulting in 7 banks that met the criteria in the study. The data obtained were then processed using the Eviwes Student 12 application.The results of the study show that IC consisting of VACA, VAHU, and STVA has no effect on Financial Performance, and IPI consisting of EDR has no effect, and PSR has an effect on Financial Performance. IC consisting of VACA and VAHU has an effect on Company Value, STVA has no effect, and IPI consisting of EDR has no effect, and PSR has an effect on Company Value
Analisis Pemberdayaan Ekonomi Masyarakat Berbasis Masjid di Desa Sapa Empat Lawang Oki Sapitri Menghayati Oki; M Iqbal
Equity: Jurnal Ekonomi Vol 10 No 2 (2022): Equity: Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v10i2.122

Abstract

Abstrack: Secara holistik fungsi dari masjid adalah tempat ibadah maupun pusat media pembinaan umat yang sangat strategis dalam masyarakat Islam. Tulisan ini membahas pemberdayaan ekonomi masyarakat berbasis masjid yang dilakukan di Masjid Jami’ Desa Sapa Panjang kecamatan Muara Pinang. Metode penelitian yang digunakan yaitu metode deskriptif kualitatif melalui survei, dokumentasi dan wawancara. Hasil dari penelitian ini menyatakan bahwa perberdayaan ekonomi masyarakat di Masjid Jami’ sudah dapat dirasakan masyarakat melalui Kegiatan pemberdayaan masyarakat berbasis masjid yang dilakukan di Masjid Jami’ diantaranya: pemberdayaan spiritual keagaamaan, pemberdayaan pendidikan, pemberdayaan ekonomi dan sosial kemasyarakatan. Menggunakan manajemen masjid yang dilakukan oleh ibu-ibu pembinaan kesejahteraan keluarga (PKK) desa sapa panjang dan pengurus masjid. Penelitian ini merekomendasikan bahwasannya sangat penting sumber daya manusia (SDM) profesionalisme dalam pengelolaan masjid, terciptanya komunikasi yang baik antara jamaah dengan stakeholder, agar terciptanya pemberdayaan ekonomi masyarakat berbasis masjid yang efektif.
Co-Authors Abubakar Sidik Achmad Fadil Ahmad Yaim Ajeng Permata Sari Anggita Dwi Hanum Arif Rahmadan Aziz Septiatin Dila Khairunnisa Faisal Muttaqin Faisal Muttaqin Fernandho Fujiarti Hepi Agustini Husna Lutfiah Iftitah Putri Saqilla Juwita Anggraini Juwita Anggraini M Riski Kurniawan M. Rasyid Redho Maemonah MAFTUKHATUSOLIKHAH MAFTUKHATUSOLIKHAH Maryamah Maulidyah Safruddin Menghayati, Oki Sapitri Muh Zainul Arifin Muhamad Rahman Bayumi Muhammad Arief Muhammad Junestrada Diem Niken Natasyah Nurun Nazwa Humairoh Ovi Fitriyanti Pamuji Paul Atagamen Aidonojie Puspa Aulia Apri Yanti Qodariah Barkah Rafika Aulia RATIH KHOIRUNNISA Redi Pirmansyah Rifqi Pratama Pratama Rika Lidyah Rinol Sumantri Rosyada Rudi Aryanto Safitri Asrol Shiffa Mutiara Aliyyah Ulil Amri Via Hanisa Wahyu Wulandari Yani Pratiwi