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All Journal Journal Middle East and Islamic Studies Qudwah: Journal of Islamic Education
Alfarisi, Mochammad Salman
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Religion Arts Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Physics Other

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Syariah Security Crowdfunding: A Risk Analysis for Alternative Funding Solution for Indonesian Small and Medium Enterprises Alfarisi, Mochammad Salman; Hannase, Mulawarman
Journal Of Middle East and Islamic Studies Vol. 11, No. 2
Publisher : UI Scholars Hub

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Abstract

Micro, Small and Medium Enterprises (MSMEs) are currently a sector that plays an important role in increasing economic stability in Indonesia. However, one of the crucial obstacles related to the development of micro businesses is limited capital and low access to sources of capital. Sharia securities crowdfunding is a form of innovation in the field of financial technology that offers alternative solutions for MSME players in obtaining funding. However, sharia securities crowdfunding is not without risk analysis. Some of the other risks of crowdfunding are inadequate regulatory and regulatory frameworks, low public awareness and trust, and the risk of dehumanization that has potential to occur in crowdfunding due to a lack of communication between fundraisers and funders. Meanwhile, the advantages of investing in Sharia SCF are that there is no collateral obligation to obtain funding, easier access to capital, and companies and investors can monitor the progress of the Crowdfunding being carried out. Sharia securities crowdfunding is also considered the best alternative when SMEs struggle to have access to traditional funding, this is because crowdfunding is able to provide speed and accessibility.
Penguatan Pendidikan Agama Islam Melalui Pendekatan Humanis Untuk Mengembangkan Karakter Religius Peserta Didik di Sekolah: Strengthening Islamic Religious Education Through a Humanistic Approach to Develop the Religious Character of Students in Schools Alfarisi, Mochammad Salman; Maulana Romzi, Moh Ilham; Mahbubi, M
Qudwah: Journal of Islamic Education Vol. 3 No. 1 (2026): Maret (On Process)
Publisher : Yayasan Al Islah Bungo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/v58hd480

Abstract

This article discusses the strengthening of Islamic Religious Education (PAI) through a humanisticapproach as a strategic effort to shape students’ religious character in schools. The humanisticapproach positions students as active subjects who possess potential, needs, and experiences that mustbe respected in the learning process. In the context of modern education—which demands moredialogical, empathetic, and student-centered learning—PAI is required to present methods that notonly emphasize cognitive aspects but also foster a deep internalization of religious values. Using adescriptive qualitative method with a literature study, this article analyzes the concept of thehumanistic approach, its implementation strategies in PAI learning, and its relevance to thedevelopment of religious character. The findings show that the humanistic approach creates a moreopen, communicative, and inclusive learning environment that values students’ diverse abilities,thereby facilitating the internalization of Islamic teachings. Teachers act as facilitators who encouragereflection, dialogue, and role modeling in daily behavior, allowing values such as honesty,responsibility, empathy, discipline, and noble character to be naturally instilled. Thus, the humanisticapproach proves to be relevant and effective in strengthening Islamic Religious Education and formingstudents who are not only intellectually intelligent but also spiritually and morally mature.
Co-Authors Hannase, Mulawarman M. Mahbubi Maulana Romzi, Moh Ilham