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How Sharia Rural Banks and Islamic Fintechs Are Partnering for Financial Inclusion: Indonesian Lessons from the Ground Abrista Devi; Muhammad Faishal Hidayat; Ghefira Shindy Nofianti
Tazkia Islamic Finance and Business Review Vol. 19 No. 2 (2025): TIFBR
Publisher : Faculty of Islamic Business and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v19i2.461

Abstract

This study aims to analyze potential collaboration models between sharia fintech and Bank Pembiayaan Rakyat Syariah (BPRS) in Indonesia and to determine which model offers the highest strategic impact according to expert judgment. Using the Analytic Network Process (ANP), this research evaluates four alternative collaboration models identified through literature review and expert interviews. The first model is Sharia Fintech as a Technology Enabler and Referral Partner, where fintech provides prospective customer referrals to BPRS. The second model is Sharia Fintech as a Technology Enabler and Distribution Channel, functioning as a fund channeling intermediary between BPRS and customers. The third model positions fintech as a technology enabler for creditworthiness assessment, focusing solely on credit scoring activities. The fourth model is Sharia Fintech as a Sharia Peer-to-Peer (P2P) Financing Enabler, in which fintech provides a project marketplace for BPRS to fund, with financing flows conducted through the P2P platform. ANP results show that Model 4 is the most preferred option, while Model 3 is the least recommended. Managerially, BPRS should prioritize Model 4 and establish a joint coordination team with fintech under the supervision of the sharia fintech association.
Implementasi Pembelajaran IPA Berbasis Project Terhadap Kemampuan Berpikir Kritis Siswa Kelas V Sekolah Dasar Islam Terpadu Putri Rahayu Pertiwi; Retno Triwoelandari; Muhammad Faishal Hidayat
Attadrib: Jurnal Pendidikan Guru Madrasah Ibtidaiyah Vol. 8 No. 1 (2025): Islamic Primary Education based on Islamic values
Publisher : Institut Agama Islam Daruttaqwa Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54069/attadrib.v8i1.879

Abstract

This study aims to analyze the effectiveness of project-based learning (PBL) in science education to enhance the critical thinking skills of fifth-grade students at SDIT Qurrata'aini Baitussalam. Using a Mixed Methods approach with a Sequential Explanatory design, the results indicate that the Project-Based Learning (PBL) model has a significant impact on the development of students' critical thinking skills. Quantitative analysis using the Independent Samples T-Test shows a significance value of 0.000 (< 0.05), indicating a substantial improvement in students' critical thinking abilities after implementing PBL. Observations and interviews with teachers reveal that students involved in projects are more engaged in discussions, able to formulate hypotheses independently, and more critical in evaluating information. Despite challenges such as limited facilities and time constraints, student enthusiasm and strong support from both the school and parents serve as the primary factors contributing to the success of this method. The findings of this study have implications for the education sector, including the need to enhance learning facilities, adjust the curriculum to allow more flexible time allocation for projects, and strengthen collaboration between schools and parents to support students' scientific exploration. With optimal PBL implementation, science education at the elementary school level can become more innovative and effective in fostering students' critical thinking skills.  
Model SECI dalam Praktik Konversi Pengetahuan UMKM di Kota Bogor: Sebuah Kajian Kualitatif Muhammad Faishal Hidayat
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i2.11614

Abstract

This study aims to analyze knowledge conversion practices in Micro, Small, and Medium Enterprises (MSMEs) based on the SECI Model (Socialization, Externalization, Combination, Internalization) framework and to identify supporting and inhibiting factors influencing the process within business management dynamics. The research employed a qualitative approach with a case study design involving MSMEs in Bogor City. Data were collected through observation and in-depth interviews with business owners and employees and analyzed using the interactive model of Miles and Huberman, including data reduction, data display, and conclusion drawing. The findings reveal that knowledge conversion practices have not been fully implemented according to the complete SECI cycle and remain dominated by the socialization and externalization stages, which occur informally. Meanwhile, the combination and internalization stages have not been optimally implemented due to limitations in managerial literacy, technological utilization, and organizational capacity. Supporting factors include a communicative work culture, close interpersonal relationships among business actors, and access to training and external networks. This study highlights the importance of strengthening structured knowledge management systems to enhance MSMEs’ competitiveness and sustainability.
Persepsi Siswa terhadap Metode Role Playing dalam Membangun Motivasi Belajar pada Pembelajaran Pendidikan Agama Islam di SMA Dwiwarna (Boarding School) Nurul Aulia; Dewi Suriyani Djamdjuri; Muhammad Faishal Hidayat
Jurnal Pendidikan Tambusai Vol. 10 No. 2 (2026): Agustus
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v10i2.39791

Abstract

Penelitian ini bertujuan untuk mengkaji persepsi siswa terhadap penerapan metode role playing dalam membangun motivasi belajar pada mata pelajaran Pendidikan Agama Islam (PAI) di SMA Dwiwarna (Boarding School). Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif untuk memperoleh pemahaman yang mendalam mengenai pengalaman dan pandangan siswa terhadap pembelajaran yang diterapkan. Data penelitian dikumpulkan melalui wawancara dengan siswa dan diperkuat oleh angket sebagai data pendukung. Analisis data dilakukan melalui tahapan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa siswa memiliki persepsi yang positif terhadap penggunaan metode role playing dalam pembelajaran PAI. Metode ini mampu menciptakan suasana belajar yang lebih aktif, menarik, dan menyenangkan sehingga mendorong peningkatan antusiasme serta partisipasi siswa. Selain membantu pemahaman materi, role playing juga meningkatkan kepercayaan diri, kemampuan komunikasi, dan kerja sama siswa. Motivasi belajar dipengaruhi oleh faktor internal dan eksternal, sehingga metode role playing dinilai efektif dalam mendukung peningkatan motivasi belajar pada pembelajaran PAI.
Social Media as a Source of Product Information among Generation Z: An Analysis of Usage Patterns, Platform Preferences, and Trust Factors Muhammad Faishal Hidayat; Tika Kartika; Rifqi Abdul Barri; Muhamad Alvin Trisaputra; Masagus Rasyid Hafis
JURNAL ECONOMINA Vol. 5 No. 6 (2026): JURNAL ECONOMINA, Juni 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i6.2509

Abstract

Social media has evolved into a primary source of product information for Generation, but studies comprehensively examining the relationship between social media platform usage patterns and trust factors remain limited. This study aims to analyze the relationship between the most frequently used platforms, product reference platforms, and daily usage duration with Generation Z’s trust in product information, as well as its association with perceptions of content attractiveness and information quality. The research uses a descriptive quantitative approach with purposive sampling of 100 Generation Z respondents in Bogor City. Data were collected through a social media usage pattern questionnaire and Likert scale statements (1–5) measuring information quality, content attractiveness, and trust. The data were then analyzed using cross-tabulation with Chi-Square and Cramer's V tests. The results indicate that TikTok and Instagram dominate both daily usage and product reference platforms. Among the five cross-tabulations conducted, only the relationship between the most frequently used platform and content attractiveness was found to be significant (χ² = 21.409; p = 0.018; Cramer's V = 0.327), with TikTok and Instagram recording 74.5% and 74.4% of respondents, respectively, in the high-attractiveness category. The relationship between platform usage and trust as well as information quality was not found to be significant, suggesting that Generation Z’s trust is influenced more by intrinsic content factors than by platform choice. These findings provide strategic implications for businesses in designing effective digital marketing content targeting the Generation Z segment.
Motivasi Belajar Siswa Pada Mata Pelajaran Pendidikan Agama Islam Kelas XI Sains SMA Negeri 3 Kota Bogor Berbasis Zep Quiz Syafa Fauziah; Dewi Suriyani Djamdjuri; Muhammad Faishal Hidayat
Jurnal Pendidikan Tambusai Vol. 10 No. 2 (2026): Agustus
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v10i2.39849

Abstract

Penelitian ini bertujuan untuk mengetahui motivasi belajar siswa pada mata pelajaran Pendidikan Agama Islam berbasis Zep Quiz di kelas XI Sains SMA Negeri 3 Kota Bogor. Penelitian menggunakan pendekatan kualitatif jenis studi kausu dengan teknik pengumpulan data berupa wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa penggunaan media pembelajaran berbasis gamifikasi melalui Zep Quiz mampu meningkatkan motivasi belajar siswa baik secara intrinsik maupun ekstrinsik. Siswa menjadi lebih aktif, antusias, dan tertarik mengikuti pembelajaran karena adanya fitur interaktif seperti leaderboard, skor, dan kompetisi kelas. Faktor pendukung motivasi belajar meliputi kreativitas guru, penggunaan media digital interaktif, dan suasana belajar yang menyenangkan, sedangkan faktor penghambat berupa kendala jaringan internet dan keterbatasan perangkat digital.
Transparency And Accountability Of Hajj Funds from the Perspective Of Fiqh Muamalah Rara Genta Munggarani Basri; Muhammad Faishal Hidayat; Muhammad Hadi Nurfajar
JURNAL ILMU SYARIAH Vol 13 No 2 (2025): Mizan: Journal of Islamic Law
Publisher : Universitas Ibn Khaldun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/mizan.v13i2.22497

Abstract

The management of Hajj funds is a significant mandate with religious, social, and economic dimensions, and therefore requires the application of high transparency and accountability principles. This study aims to analyze the transparency and accountability of Hajj funds from the perspective of fiqh mu’amalah, by emphasizing sharia principles such as trust, justice, openness (transparency), and accountability. The research method is qualitative, with a normative approach, based on a literature review of the Qur'an, Hadith, fiqh rules, and legislation governing the management of Hajj funds. The results showed that in fiqh mu’amalah, the management of Hajj funds must be based on a clear contract, the use of funds in accordance with their allocation, and the disclosure of information to the pilgrims as shahibul maal. Transparency and accountability are not only administrative requirements but also Syar'i obligations that aim to maintain the benefit of the Ummah and prevent irregularities (mafsadah). Thus, applying the principles of transparency and accountability in the management of Hajj funds aligns with the values of fiqh mu’amalah and is key to building public trust and ensuring professional, sharia-compliant management. Keywords: Transparency; Accountability; Hajj Funds; Fiqh Muamalah; Islamic Financial Management
Pengaruh Penggunaan Media Audio Visual Terhadap Minat Belajar Siswa pada Mata Pelajaran PAI: SDN Cihideung Udik 01 Kelas VI A Kab.Bogor Sultan Abdul Azis; Indriya; Muhammad Faishal Hidayat
At-Tadris: Journal of Islamic Education Vol. 4 No. 2 (2025): At-Tadris: Journal of Islamic Education
Publisher : Ikatan Dai Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/q2wbh432

Abstract

Media Known as a teaching tool that must be used by teachers, but is often ignored. There is no media used in the learning process, but generally it is done for various reasons. In the learning process, teachers must use media as a tool to make it easier for students to understand the material, but it is often ignored. In the learning process there is no media, but in general it is done because of reasons. There are many causes, for example in the limited learning time prepared, in finding media that is difficult to match and not available, and so on. The cause of the low interest in learning students in Islamic religious education subjects, low performance of educators so that it is less conducive. Although in schools that do not have an Islamic nuance, but in the curriculum there are Islamic religious education subjects, in delivering the material the educator is less affective so that students have a lack of interest in learning. This study aims to determine how the use of Audio visual learning media in Islamic Religious Education subjects affects learning interest at SDN Cihideung Udik 01 class VI A. This study uses quantitative methods. from the results of the study showed that the probability value of the audio-visual media variable is smaller than 0.05 and t count is greater than t table (15.208> 2.048). So it can be concluded that (X1) audio-visual media has a positive and significant effect on (Y) learning interest in students of SDN Cihideung Udik 01 Class VIA Kab Bogor. the F count value is 231.272 with a significance of 0.000. Because the level of significance is smaller than 0.05 and F count is greater than F table (231.272> 4.20). Then H0 is rejected, so it can be said that audio-visual media has a significant effect on learning interest.