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All Journal Journal of Economics, Bussiness and Management Issues Jurnal Penelitian Multidisiplin Bangsa
Rahmawati, Destiyana
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Computer Science & IT Economics, Econometrics & Finance Education Public Health Social Sciences

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Analisis Tapera dalam Perspektif Ekonomi Islam: Keabsahan Konsep dan Tantangan Gharar Amelia, Nur; Sukmaya, Dwinugrah Yogas; Rahmawati, Destiyana; Hidayat, M. Khoiruddin; Cahyani, Nisa Kurnia; Waluyo, Waluyo
Journal of Economics, Bussiness and Management Issues Vol. 2 No. 2 (2025): Maret
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jebmi.v2i2.554

Abstract

The Public Housing Savings (Tapera) is an Indonesian government program aimed at assisting low-income communities in obtaining decent housing through a mandatory savings scheme. This study aims to examine the validity of the Tapera concept from an Islamic economic perspective and analyze the potential presence of gharar in its mechanism. A qualitative descriptive research method was employed, utilizing a literature review approach that analyzed various sources, including scientific journals, legislation, and official government statements. The findings indicate that Tapera may involve elements of gharar due to uncertainties in fund management, ownership certainty, and the timeframe for benefit disbursement. While the program's objectives align with the Islamic economic principle of social welfare, its implementation requires greater transparency and legal certainty to comply with Sharia principles. In conclusion, minimizing gharar in Tapera necessitates enhanced transparency in fund management, investment mechanisms based on halal instruments, and assurance of fair and non-exploitative benefits for participants, ensuring its alignment with Islamic economic principles.
Penerapan Media Pembelajaran Berbasis Digital Interactive Book Terhadap Pemahaman Konsep Hardiyanti, Dita; Rahmawati, Destiyana
Jurnal Penelitian Multidisiplin Bangsa Vol. 2 No. 7 (2025): Desember
Publisher : Amirul Bangun Bangsa Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/jpnmb.v2i7.642

Abstract

Penelitian ini dilatar belakangi adanya permasalahan rendahnya pemahaman konsep siswa yang disebabkan oleh penggunaan media pembelajaran yang kurang bervariasi. Penelitian ini bertujuan untuk mendeskripsikan perbedaan pemahaman konsep siswa antara siswa di kelas yang menerapkan media pembelajaran Digital Interactive Book dengan siswa di kelas yang menerapkan media pembelajaran buku cetak dan perbedaan peningkatan pemahaman konsep siswa antara siswa di kelas yang menerapkan media pembelajaran Digital Interactive Book dengan siswa di kelas yang menerapkan media pembelajaran buku cetak. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis studi quasi exsperimen. Adapun subjek dalam penelitian ini yaitu siswa kelas V SDN 1 Winduhaji. Hasil penelitian yang diperloeh dalam penelitian ini yaitu terdapat perbedaan pemahaman konsep siswa antara siswa di kelas yang menerapkan media pembelajaran Digital Interactive Book dengan siswa di kelas yang menerapkan media pembelajaran buku cetak dan terdapat perbedaan peningkatan pemahaman konsep siswa antara siswa di kelas yang menerapkan media pembelajaran Digital Interactive Book dengan siswa di kelas yang menerapkan media pembelajaran buku cetak.
Co-Authors AMELIA, NUR Cahyani, Nisa Kurnia Hardiyanti, Dita Hidayat, M. Khoiruddin Sukmaya, Dwinugrah Yogas Waluyo Waluyo