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KONTRIBUSI USHUL FIQH TERHADAP TANTANGAN KEUANGAN SYARIAH Andriani, Yulia; Bahrudin, Moh.; Hilal, Syamsul
KENDALI: Economics and Social Humanities Vol. 4 No. 2 (2025): KENDALI: Economics and Social Sciences Humanities, November 2025
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i2.1010

Abstract

Penelitian ini bertujuan untuk menganalisis kontribusi Ushul Fiqh terhadap tantangan yang dihadapi oleh keuangan syariah kontemporer. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan jenis kajian pustaka (literature review) dan analisis konten (content analysis) dari berbagai sumber terpercaya seperti buku dan jurnal ilmiah. Hasil penelitian menyimpulkan bahwa Ushul Fiqh memiliki peran fundamental dan tak tergantikan sebagai landasan metodologis dan teoritis dalam pengembangan ekonomi syariah modern. Ushul Fiqh memungkinkan para cendekiawan dan praktisi untuk merumuskan hukum syar’i atas isu-isu baru yang belum ada pada masa klasik, sehingga berfungsi sebagai kompas moral dan intelektual di era globalisasi dan digitalisasi. Kontribusi utamanya diwujudkan melalui legalisasi dan inovasi produk keuangan yang kompleks, seperti Structured Repackaged Ijarah Asset (SRIA), dengan memastikan kepatuhan terhadap larangan riba, gharar, dan maysir. Selain itu, Ushul Fiqh memfasilitasi regulasi proaktif terhadap teknologi keuangan (FinTech) syariah melalui kaidah Maslahah Mursalah. Kaidah-kaidah Ushuliyyah, seperti "Al-Ashlu fil Asyya' al-Ibahah" (asal segala sesuatu itu boleh) dan kaidah Maslahah, memberikan dasar hukum untuk menilai kehalalan instrumen keuangan baru, memastikan sistem keuangan syariah tetap efisien dan kompetitif tanpa mengorbankan integritas syariah. Dengan demikian, Ushul Fiqh memberikan kerangka yurisprudensi yang kokoh untuk memastikan pasar modal syariah tidak hanya efisien tetapi juga etis dan adil.
Mapping Global Research Trends on Differentiated Instruction: A Bibliometric Analysis of Two Decades of Scholarship Andriani, Yulia; Firmansyah, Firmansyah; Novianto, Anwar; Muhamad Firdaus, Fery; Wuryandani, Wuri; Rahmiati, Filda
IJORER : International Journal of Recent Educational Research Vol. 7 No. 1 (2026): January
Publisher : Faculty of Teacher Training and Education Muhammadiyah University of Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46245/ijorer.v7i1.1162

Abstract

Objective: This study aims to map the evolution, influence, and thematic structure of global research on Differentiated Instruction (DI) published between 2005 and 2025. It examines the field’s developmental trajectory, key contributors, and emerging research directions that reflect the growing emphasis on inclusive and adaptive education. Methods: A bibliometric approach was conducted using 743 documents indexed in the Web of Science Core Collection. Analyses were performed with RStudio and VOSviewer to assess publication growth, citation patterns, co-authorship networks, and keyword co-occurrences. The study also identified thematic clusters and trend topics to trace the conceptual and methodological development of DI scholarship over two decades. Results: The findings indicate an annual growth rate of 11.77%, demonstrating that DI has developed into a dynamic and interdisciplinary research domain. The United States, Germany, and China emerged as the most influential contributors, while Teaching and Teacher Education and the International Journal of Inclusive Education were identified as leading journals. Four dominant research clusters were revealed: inclusive education, teacher professional development, technology integration, and student achievement. Novelty: This study provides the first comprehensive bibliometric mapping of DI research spanning 20 years, highlighting the shift from traditional differentiation toward digitally adaptive and equity-oriented pedagogies. The findings offer an evidence-based overview that supports the advancement of 21st-century inclusive teaching.
Focus Group Discussion (FGD) dan Penyuluhan Pengolahan Produk Lokal Berbasis Ikan untuk Pencegahan Stunting di Sekolah Alam Sahabat Qur’an Kabupaten Siak Rahmayuni, Rahmayuni; Rosnita, Rosnita; Yulida, Roza; Andriani, Yulia; Nopiani, Yanti; Sabrian, Febriana; Rossi, Evy; Salman, Annisa Nazifa
Unri Conference Series: Community Engagement Vol 7 (2025): Seminar Nasional Pemberdayaan Masyarakat
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/unricsce.7.376-382

Abstract

This community service activity began with the implementation of a Focus Group Discussion (FGD) with partners, which served as an initial exploration to design service programs that were relevant to the needs of the community. Partners in this activity are the manager of the school business unit and the parents of students. The results of the FGD resulted in an agreement on the focus of activities with stages, namely: (1) Education to improve food quality and nutrition in the prevention of stunting from an early age, and (2) Processing of local fish products (snakehead fish) as a zero waste-based food diversification. Through this FGD, an overview of needs, challenges, and opportunities that can be the basis for the implementation of counseling programs is obtained. It is hoped that the results of this activity can increase partners' knowledge about the processing of local fish food products in an effort to prevent stunting.
ANALISIS PERBANDINGAN KINERJA KEUANGAN, LIKUIDITAS, DAN RISIKO PADA BPRS DAN BPR DI INDONESIA Wiraputra, Jhody; Andriani, Yulia; Fuadi, Fatih; Iqbal, Muhammad; Jhody Wiraputra
MARGIN: Journal of Islamic Banking Vol 6 No 1 (2026): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/margin.v6i1.3788

Abstract

Penelitian komparatif kuantitatif ini bertujuan menganalisis dan membandingkan kinerja keuangan, likuiditas bank, dan risiko pembiayaan antara Bank Pembiayaan Rakyat Syariah (BPRS) dan Bank Perkreditan Rakyat (BPR) di Indonesia selama periode 2020-2024. Data sekunder berupa rasio-rasio keuangan dari seluruh BPRS dan BPR yang terdaftar di OJK  dianalisis menggunakan Uji Mann-Whitney setelah data terbukti tidak berdistribusi normal. Hasil penelitian menunjukkan adanya perbedaan yang signifikan secara statistik antara BPRS dan BPR untuk semua variabel yang diukur, yaitu Kinerja Keuangan, Likuiditas dan Risiko Pembiayaan. Perbedaan signifikan ini menegaskan bahwa filosofi operasional dan kerangka regulasi menciptakan jalur kinerja dan profil risiko yang tidak setara, sehingga disarankan agar regulator seperti OJK mengembangkan kebijakan pengawasan dan mitigasi risiko yang disesuaikan secara spesifik untuk masing-masing model operasional.
Smartphone Usage Behavior and Technology Acceptance in Oil Palm Replanting Yulida, Roza; Andriani, Yulia; Rosnita, Rosnita; Septya, Fanny; Febiola, Ezra; Madiyoh, Abdulhakim
Jurnal AGRISEP JURNAL AGRISEP VOL 23 NO 02 2024 (SEPTEMBER)
Publisher : Badan Penerbitan Fakultas Pertanian, Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31186/jagrisep.23.02.643-666

Abstract

Replanting activities need support using information technology so that plantation business actors can access information related to plantations independently and accurately. This research analyzes smartphone usage behavior using a technology acceptance model approach among oil palm users. This research was conducted at the Karya Dharma III Village Unit Cooperative, Keranji Guguh Village, Koto Gasib District, Siak Regency. The sample taken in this research was 30 planters. The sampling technique in this research uses a snowball sampling technique, which is obtained through a rolling process based on the relationship between one respondent and another. Snowball sampling is a sampling method that uses initial illustration data to identify other illustrations that meet the criteria. Data analysis was carried out using a descriptive study based on a Likert scale. The final results of this research show that using smartphones among oil palm planters in Keranji Guguh Village as a medium to help search for and receive information for oil palm planters is classified as moderate, with an average score of 2.84. Smartphone use has become an alternative media planters use to search for information on supporting oil palm rejuvenation activities, land clearing, planting spacing patterns, using superior seeds, and plant maintenance replanting.
The role of PT. Pegadaian in supporting sustainable development: Analysis of social financing and governance implementation based on results second-party opinion Wiraputra, Jhody; Ridwansyah; Andriani, Yulia; Sari, Okta
Social, Ecology, Economy for Sustainable Development Goals Journal Vol. 4 No. 1: July (2026)
Publisher : Institute for Advanced Science Social, and Sustainable Future

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61511/seesdgj.v4i1.2026.3503

Abstract

Background: The purpose of this study is to produce an in-depth critical analysis of the real contribution of PT. Pegadaian to sustainable development, identify verified successes at the micro level, critique the gaps in governance and risk management practices detected by Second-Party Opinion, and formulate targeted strategic recommendations to strengthen the accountability and long-term sustainability of PT. Pegadaian is a state-owned enterprise. Methods: This study employs a qualitative design, specifically a single-case study, with Critical Content Analysis techniques to explore in-depth the mechanisms, strategic narratives, and operational alignment behind PT. Pegadaian sustainability claims. The analysis was conducted by synthesizing secondary data from the 2024 Annual Report and Social Financing Implementation Report, validated against independent findings in the Second-Party Opinion (SPO) to assess the credibility of corporate governance and social impact. Findings: The findings of the study showed that PT. Pegadaian managed to synergize impressive financial performance reflected in Net Profit of Rp5.85 trillion and Outstanding Loan growth of 26.1%, with real social achievements through the distribution of Social Financing Targeting 2.9 million customers in the MSME and education segments. Validation through Second-Party Opinion (SPO) 2024 confirmed the company's significant contribution to SDGs targets of 1, 4, 8, and 10, where the majority of respondents reported an increase in income and the ability to resolve education costs. Conclusion: The study concludes that although PT. Pegadaian has successfully proven its real impact as an accelerator of financial inclusion through strong financial performance and the achievement of SDGs targets. Its long-term credibility in the eyes of global investors depends heavily on improved governance, particularly in fund tracking transparency and social financing accountability systems. Novelty/Originality of this article: The Novelty of this study lies in the use of the critical findings of the Second-Party Opinion (SPO) 2024 as an instrument to dissect governance gaps in the pawnshop social financing fund tracking mechanism, which provides a new perspective on the challenges of pawn institution accountability within the framework of sustainable finance in emerging markets.
ANALYSIS OF FARMERS’ COMMUNICATION NETWORK IN REPLANTING OIL PALM IN TRI MULYA JAYA VILLAGE Zhuhuri, Wiari; Yulida, Roza; Andriani, Yulia
SEPA: Jurnal Sosial Ekonomi Pertanian dan Agribisnis Vol 23, No 1 (2026): FEBRUARY
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/sepa.v23i1.96966

Abstract

This research aims to understand the communication network in the context of independent oil palm cultivation in Tri Mulya Jaya Village. Through interviews and questionnaires involving 15 oil palm farmers, the study utilized non-probability sampling methods such as purposive and snowball sampling. The results indicated internal and external conditions supporting the adoption and implementation of oil palm cultivation. Factors like productive age, upper secondary education, and moderate land area collaborated with the effectiveness of extension officer visits and income levels. The farmers' use of smartphones reflected the effectiveness of agricultural extension. The communication network pattern formed a circular structure with equal roles and strengths, promoting optimal participation. Central figures, particularly HN and AS, played a key role in information dissemination. Despite JM having the highest closeness, the centrality of HN and AS marked popularity in the communication network. Centrality analysis highlighted the central role of association figures in supporting oil palm replanting activities. Communication patterns and functional relationships played a crucial role in forming an effective network in Tri Mulya Jaya Village.
FACTORS INFLUENCING THE COMMUNICATION BEHAVIOR OF OIL PALM PLANTERS IN PELALAWAN DISTRICT Haryani, Aini; Yulida, Roza; Andriani, Yulia
SEPA: Jurnal Sosial Ekonomi Pertanian dan Agribisnis Vol 22, No 1 (2025): FEBRUARY
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/sepa.v22i1.46383

Abstract

Communication behavior is an attitude or action that is in a person to obtain the information he needs. Communication behavior can describe how the smallholders' businesses obtain information about farming as a consideration in making decisions for their farming. Oil palm is a leading commodity in Riau Province, Pelalawan Regency is the area with the third largest area of oil palm plantations. The purpose of this study was to analyze the factors that influence the communication behavior of oil palm planters in obtaining information in the Pelalawan District. This research was conducted in Pangkalan Kuras District and Langgam District in Pelalawan Regency. The number of respondents in this study was 140 people who were obtained using the purposive sampling method. The data that has been obtained are then analyzed using Structural Equation Modeling (SEM). The results showed that five factors influenced the planters' communication behavior. Internal characteristics had a negative influence on the farmer's communication behavior, external characteristics, and information sources had a positive influence, while the communication media and program communications had a positive and significant influence on the planters' communication behavior.
Co-Authors ', Syahrilfuddin ahmad habibi Ahmad Rifai Ali Alamsyah Kusumadinata Amami, Syahilla Andriana, Hanifaturrahmi Angraini, Elisya Anwar Novianto, Anwar Arifuddin Arifuddin Arifudin arifudin Azis, Arya Mandar Bahrudin, Moh. Br.Sirait, Odilia Anastasia Cantika, Dea Yoshan Cepriadi Claudia, Wiji Audi Didi Muwardi Ditha Prasanti Ermawati, Liya Evy Maharani Fahmi, Muhamad Ikhwanul Fajar Restuhadi Fatimah, Husnul Febiola, Ezra Febriana - Sabrian Filda Rahmiati Firdaus, Fery Muhamad Firmansyah Firmansyah Fuadi, Fatih Grealdi, Viery Hamidi, M. Rasyid Hamidi, Muhammad Rasyid Handayani, Natasya Haryani, Aini Haura Versha, Raihani Hayati, Leni Riski Hendro, Omar Ikhsan Fuady Jayawarsa, A.A. Ketut Jessica, Josephine Jhody Wiraputra Kausar Kausar, Kausar Kausar, Kausar Konita, Fhatia Kurnia, Deby Kurnia, Deby Lazim N Madiyoh, Abdulhakim Madnasir Madnasir Maelany, Megawaty Maharani, Kinanti Mardianah Marzuki Marzuki Masseni, Masseni Masyhudzulhak Djamil Muhammad Husen, Muhammad Muhammad Iqbal Muhammad Iqbal Fasa Mujayana, Endang Musdalifa Musdalifa Mustaqim Mustaqim Nabila, Nesya Ayu Nadira, Rahma Dini Nopiani, Yanti Novian Novian, Novian Nugraheni, Noviska Indah Nur Intan, Nur Nurazira, Nurazira Nurfitasari, Mimi Nurhayati Nurrahiya Nurul Qomar Nurvazira, Nurvazira Okta Sari, Okta Padhilla, Rizky Phreti, Phreti Pratama, Herfran Riansyah Pratiwi, Farikha Dinda Pratiwi, Palupi Qahtani, Muhammad Zidane Rahmayuni Rahmayuni, Rahmayuni Ramadani, Ega Ramadhan, Dimas Damarreza Retuhadi, Fajar Ridwansyah Rosnita Rosnita Rosnita Rossi, Evy Roza Yulida Ruslan Abdul Ghofur Safira, Isti Sakti Hutabarat Salman, Annisa Nazifa Sari, Yetri Septya, Fanny Septya, Fany Simanjuntak, Riski Suprianto Simatupang, Rut Damayanti SISPA PEBRIAN Sujantara, Defri Aire Supriadi, Alya Regina Suriadi, Irsan Syahri Wahyuda Warman Syamsul Hilal Syukri, M.Riski Ananda Taty Fauzi, Taty Taufiq, Andriani Kartika Teresia, Yossi Tunisa, Fadilah Umrah, St. Veronica, Lioni Widia, Grace Tiana Widia Wijaksono, Kristian Adi Wijaksono Wiraputra, Jhody Wuri Wuryandani Yeni Kusumawaty Yuli, Enok Yulida, Roza Yulida Yusri, Jum'atri Zaleha, Zaleha Zhuhuri, Wiari Zulhamid Ridho