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All Journal Jurnal Ilmiah Multidisiplin Ilmu Proceeding of The International Conference on Social Sciences and Humanities Innovation
Arif Lukmanul Hakim
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Humanities Social Sciences Other

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IMPLEMENTASI MUSYARAKAH SEBAGAI PEMBIAYAAN UMKM DI KECAMATAN CIBIRU KABUPATEN BANDUNG Arif Lukmanul Hakim; Abdul Faqih; Sandy Pratama
Jurnal Ilmiah Multidisiplin Ilmu Vol. 2 No. 6 (2025): Desember : Jurnal Ilmiah Multidisiplin Ilmu (JIMI)
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/6sy48r10

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in Indonesia's economy, contributing significantly to the Gross Domestic Product (GDP) and employment. However, access to financing remains a major constraint. The musyarakah contract as a sharia-based financing scheme offers a solution grounded in justice, transparency, and profit-sharing. This model is relevant for implementation as it aligns with sharia principles and supports collaborative and sustainable business growth. This study employs a qualitative approach with a descriptive-analytical method to understand the implementation of the musyarakah contract among MSMEs in Cibiru District. Data were collected through in-depth interviews and observation, then analyzed using an interactive model encompassing data collection, sorting, presentation, and conclusion drawing. The research focuses on understanding, practices, and the impact of musyarakah on MSME actors. The application of musyarakah has brought positive impacts for MSMEs, increasing income, expanding partnerships, and broadening business operations. MSME actors comprehend the principles of profit-sharing, justice, and transparency, although the level of technical understanding varies. Musyarakah is considered more flexible compared to fixed-interest systems and is capable of fostering collaboration, risk-sharing, and supporting business expansion based on sharia values. Musyarakah has proven effective as an MSME financing scheme by enhancing income and strengthening business partnerships. The profit-sharing system is deemed fair, flexible, and sharia-compliant. While business actors' understanding varies, the values of transparency and honesty remain evident. Strengthening literacy, mentoring, and developing inclusive musyarakah products is essential to support more optimal and sustainable implementation.
Artificial Intelligence in Islamic Education: A Systematic Review of Its Uses and Ethical Implications in Secondary Schools Arif Lukmanul Hakim; Mudji Hartati; Sobirin Sobirin; Husnul Khair Pulungan; Asep Supriyadi
Proceeding of the International Conference on Social Sciences and Humanities Innovation Vol. 2 No. 2 (2025): December : Proceeding of the International Conference on Social Sciences and Hu
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70062/icsshi.v2i2.70

Abstract

This paper reviews the role of Artificial Intelligence (AI) in Islamic education within secondary schools, emphasizing both its practical uses and the ethical challenges it presents. The review looks into the current trends, tools, and the impact of AI on the learning experience, as well as its ethical implications from an Islamic perspective. The study follows a systematic literature review (SLR) approach based on the PRISMA guidelines and includes research from 2022 to 2025, sourced from platforms like Google Scholar. After a thorough selection process, 15 articles were included in the review, offering valuable insights into the technological and ethical aspects of AI in Islamic secondary education. The use of AI has notably enhanced learning outcomes in Islamic education by allowing personalized learning, boosting student engagement, and streamlining feedback mechanisms. Tools like intelligent tutoring systems and educational chatbots have been widely adopted. However, challenges around data privacy, algorithmic bias, and technology access persist. Additionally, incorporating Islamic ethical values into AI-driven educational platforms presents both opportunities and challenges. Addressing these ethical implications is vital, requiring frameworks that align with Islamic principles such as maṣlaḥa (public welfare), justice, and human dignity. Education policies and teacher training programs should concentrate on promoting the responsible use of AI, ensuring it improves educational experiences while preserving ethical and cultural integrity.
Co-Authors Abdul Faqih Asep Supriyadi Husnul Khair Pulungan Mudji Hartati Sandy Pratama Sobirin Sobirin