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All Journal Journal of Management Analytical and Solution Journal Of Management Analytical and Solution (JoMAS) Edusiana: Jurnal Ilmu Pendidikan
Luthfi Fauzan, Ahmad
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Other

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Pendekatan Integratif Pendidikan Agama Islam Dalam Mewujudkan Peserta Didik Beriman dan Berakhlak Luthfi Fauzan, Ahmad; Suniarti, Nining
Edusiana: Jurnal Ilmu Pendidikan Vol. 3 No. 2 (2025): September 2025
Publisher : LPPI Yayasan Almahmudi bin Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70437/edusiana.v3i2.1719

Abstract

Pendekatan integratif dalam Pendidikan Agama Islam (PAI) merupakan strategi pembelajaran yang menghubungkan nilai-nilai keislaman dengan berbagai disiplin ilmu, pengalaman sehari-hari, dan konteks sosial peserta didik. Artikel ini bertujuan mengkaji konsep, implementasi, dan kontribusi pendekatan integratif PAI dalam membentuk peserta didik yang beriman dan berakhlak mulia. Metode yang digunakan adalah studi kepustakaan, dengan menganalisis berbagai sumber relevan berupa buku, jurnal ilmiah, dan dokumen pendidikan yang terkait. Hasil kajian menunjukkan bahwa pendekatan integratif mampu menginternalisasikan nilai iman dan akhlak secara menyeluruh melalui sinergi aspek kognitif, afektif, dan psikomotorik, sehingga peserta didik tidak hanya memahami ajaran Islam secara normatif, tetapi juga mampu menerapkannya dalam perilaku sehari-hari. Strategi ini mencakup integrasi lintas mata pelajaran, pembiasaan akhlak, pembelajaran berbasis proyek, serta peran guru sebagai teladan dan fasilitator. Pendekatan ini terbukti efektif dalam menanamkan nilai kejujuran, disiplin, tanggung jawab, kepedulian sosial, dan refleksi spiritual, sekaligus membekali peserta didik dengan karakter yang kuat dan keterampilan sosial yang relevan. Dengan demikian, pendekatan integratif PAI berperan penting dalam menghadapi tantangan degradasi moral di era globalisasi dan digital, serta mendukung terciptanya peserta didik yang beriman, berakhlak mulia, adaptif, dan siap menghadapi dinamika kehidupan secara kontekstual.
Hybrid Funding Innovation Based on Debt and Equity Collaboration for MSME Funding in North Sumatera Marpaung, Nicholas; Eriza, Faisal; Praise Manurung, Revivo; Luthfi Fauzan, Ahmad; Sitorus, Gira Madoli
Journal Of Management Analytical and Solution (JoMAS) Vol. 6 No. 1 (2026): Journal Of Management Analytical and Solution
Publisher : TALENTA Publisher, Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jomas.v6i1.24225

Abstract

Micro, small, and medium enterprises (MSMEs) in North Sumatera facepersistent financing constraints that limit their contribution to regional economiccompetitiveness. Despite the proliferation of peer-to-peer (P2P) lending andsecurities crowdfunding platforms, pure debt and pure equity models exhibitstructural limitations: P2P lending suffers from high default risk and informationasymmetry, while equity crowdfunding imposes excessive dilution costs andvaluation challenges for early-stage MSMEs. This conceptual paper proposes ahybrid debt-equity funding model that integrates complementary financinginstruments through digital platforms, addressing these limitations by optimizingrisk allocation, reducing information frictions, and matching investor preferencesto firm lifecycle stages. Grounded in Capital Structure Theory, FinancialIntermediation Theory, Information Asymmetry frameworks, and AgencyTheory, the model demonstrates theoretical superiority over single-instrumentapproaches. North Sumatera serves as a critical testing ground due to itssubstantial MSME sector (contributing 57.8% to regional GDP), documentedcapital access barriers (only 15.2% of MSMEs receive bank loans), andsupportive regulatory environment under Indonesia's OJK fintech framework.Through conceptual development and policy analysis, this study presents atheoretically robust framework, comparative performance analysis, andimplementation roadmap. The hybrid model offers a scalable solution to bridgethe MSME financing gap in emerging markets, with implications for financialinclusion policy and platform governance
Hybrid Funding Innovation Based on Debt and Equity Collaboration for MSME Funding in North Sumatera Marpaung, Nicholas; Eriza, Faisal; Praise Manurung, Revivo; Luthfi Fauzan, Ahmad; Sitorus, Gira Madoli
Journal Of Management Analytical and Solution (JoMAS) Vol. 6 No. 1 (2026): Journal Of Management Analytical and Solution
Publisher : TALENTA Publisher, Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jomas.v6i1.24225

Abstract

Micro, small, and medium enterprises (MSMEs) in North Sumatera facepersistent financing constraints that limit their contribution to regional economiccompetitiveness. Despite the proliferation of peer-to-peer (P2P) lending andsecurities crowdfunding platforms, pure debt and pure equity models exhibitstructural limitations: P2P lending suffers from high default risk and informationasymmetry, while equity crowdfunding imposes excessive dilution costs andvaluation challenges for early-stage MSMEs. This conceptual paper proposes ahybrid debt-equity funding model that integrates complementary financinginstruments through digital platforms, addressing these limitations by optimizingrisk allocation, reducing information frictions, and matching investor preferencesto firm lifecycle stages. Grounded in Capital Structure Theory, FinancialIntermediation Theory, Information Asymmetry frameworks, and AgencyTheory, the model demonstrates theoretical superiority over single-instrumentapproaches. North Sumatera serves as a critical testing ground due to itssubstantial MSME sector (contributing 57.8% to regional GDP), documentedcapital access barriers (only 15.2% of MSMEs receive bank loans), andsupportive regulatory environment under Indonesia's OJK fintech framework.Through conceptual development and policy analysis, this study presents atheoretically robust framework, comparative performance analysis, andimplementation roadmap. The hybrid model offers a scalable solution to bridgethe MSME financing gap in emerging markets, with implications for financialinclusion policy and platform governance
Co-Authors Eriza, Faisal Marpaung, Nicholas Praise Manurung, Revivo Sitorus, Gira Madoli Suniarti, Nining