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p-Index From 2021 - 2026
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All Journal DIROSAT: Journal of Education, Social Sciences & Humanities Jurnal Ekonomi, Bisnis dan Manajemen
Muhammad Nurul Yaqin
Universitas Al-Amien Prenduan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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The Development of Arrum Haji Products at Pegadaian Syariah: Empirical Evidence from The Sumenep Branch Office Iqbal Rafiqi; Qanita Aulia Kharida; Maftuhatul Faizah; Moh. Jufriyadi Sholeh; Muhammad Nurul Yaqin
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol. 6 No. 2 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Universitas Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i2.2468

Abstract

This study aims to evaluate the business development and growth trajectory of the Arrum Haji product at the Pegadaian Syariah Sumenep Branch Office. Employing a qualitative research design, data were gathered through comprehensive observation, in-depth interviews, and meticulous documentation. The analytical framework involved data reduction, data display, and conclusion drawing, with methodological triangulation utilized to ensure data validity. The findings reveal a consistent upward trend in the overall performance of the Sumenep Branch from 2019 to 2023. Specifically, the customer base expanded from 46,633 to 48,092, while the annual turnover surged from IDR 523,037,920,000 to IDR 595,126,415,270, representing a significant 115% growth. Regarding the Arrum Haji product, the branch successfully acquired 50 customers during the same period. Despite the steady progress, the penetration rate for Arrum Haji remains relatively modest. This limited adoption is primarily attributed to the product’s nascent stage in the market. This research provides strategic insights into the early-stage adoption of Sharia-compliant pilgrimage financing within the pawnshop industry.
Implementation of the Independent Curriculum in PAI: Dynamics of Learning Innovation, Teacher Autonomy, and Administrative Burden Muhammad Nurul Yaqin; Hapsari Bidaula
DIROSAT: Journal of Education, Social Sciences & Humanities Vol. 4 No. 3 (2026): Innovation in Education and Social Sciences Research
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58355/dirosat.v4i3.252

Abstract

Write here the abstract of the article in one paragraph, no more than 200 words. This study aims to examine the implementation of the Merdeka Curriculum in Islamic Religious Education (PAI), with a focus on learning innovation, teacher autonomy, and administrative workload. The research method used is a literature review by analyzing various relevant academic sources. The findings indicate that the Merdeka Curriculum has the potential to improve the quality of learning through teacher creativity and student-centered learning approaches. However, its implementation still faces several challenges, such as limited teacher understanding, suboptimal use of teacher autonomy, and an increasing administrative workload that hinders the learning process. Therefore, support is needed in the form of improving teacher competencies and simplifying administrative tasks so that the objectives of the Merdeka Curriculum can be achieved optimally
Co-Authors Hapsari Bidaula Maftuhatul Faizah Moh. Jufriyadi Sholeh Qanita Aulia Kharida Rafiqi, Iqbal