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All Journal JURNAL PENDIDIKAN TAMBUSAI EKONOMIKA SYARIAH : Journal of Economic Studies JURNAL EDUCAZIONE : Jurnal Pendidikan, Pembelajaran dan Bimbingan dan konseling Al-Kharaj: Journal of Islamic Economic and Business Didaktik : Jurnal Ilmiah PGSD STKIP Subang Al-bank: Journal of Islamic Banking and Finance IJOCE: Indonesia Journal of Civic Education el-Amwal EKONOMIKA SYARIAH : Journal of Economic Studies ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) KOLONI Indonesian Research Journal on Education Trending: Jurnal Manajemen dan Ekonomi Krigan: Journal of Management and Sharia Business Al-bank: Journal of Islamic Banking and Finance PESHUM Jurnal Ilmiah Manajemen Profetik MUSAFIR: Journal of Islamic Tourism and Pilgrimage BORJUIS (JURNAL OF ECONOMY) Jurnal Ekonomi dan Bisnis (Jebi) Tanmiyah Impact: Islamic Economics & Business Service Journal
Anisah, Ariyun
Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Religion Arts Humanities Chemistry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Public Health Social Sciences Other

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Akselerasi Ekonomi Umat: Analisis Peran Koperasi Syariah dalam Bingkai Maqashid Syariah Hartono Hartono; M. Imamuddin; Awaluddin Awaluddin; Rika Widianita; Yenty Astari Dewi; Septria Susanti; Santi Deswita; Cahya Agung Purnama; Ariyun Anisah
KOLONI Vol. 5 No. 1 (2026): MARET 2026
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/koloni.v5i1.800

Abstract

This study aims to analyze the strategic role of Sharia Cooperatives in improving the economy and welfare of the people through an approach that is in line with Islamic principles. As microfinance institutions, Sharia cooperatives have a unique function that integrates commercial and social aspects to create economic justice. The research method used is a literature review with content analysis techniques on various scientific literature, financial reports, and relevant policy documents. The results of the study indicate that Sharia cooperatives play a role as a driving force for the people's economy by empowering MSMEs with a fair and transparent profit-sharing financing scheme. In addition, the integration of ZISWAF funds in cooperative operations has proven effective as a social safety net for the poor. This study concludes that the welfare of the people generated by Sharia cooperatives includes material and spiritual dimensions in accordance with the Maqashid Sharia indicators. However, challenges in the form of service digitalization and strengthening Sharia compliance remain crucial aspects that must be improved. Synergy between professional governance, technology adaptation, and government regulatory support is essential to optimize the potential of Sharia cooperatives. This study provides theoretical contributions to the development of Islamic economics and practical recommendations for managers in realizing an inclusive, independent, and sustainable economic order for all levels of society.
Pengaruh Eksistensi Kelompok Tani terhadap Pendapatan Anggota dalam Perspektif Ekonomi Islam (Studi Kasus: Kelompok Tani Aceh Saiyo, Nagari Batupalano) Riri Anjas Mita; Ariyun Anisah
ARZUSIN Vol 6 No 4 (2026): AGUSTUS
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i4.10126

Abstract

The existence of farmer groups plays an important role in supporting agricultural economic activities and increasing members’ income, especially when managed based on Islamic economic principles. Although the theme of farmer groups has been examined in various studies, research specifically discussing the effect of the existence of farmer groups on members’ income from the perspective of Islamic economics in Nagari Batupalano remains limited. This study aims to analyze the effect of the existence of farmer groups on increasing members’ income from the perspective of Islamic economics. This study used a quantitative approach with a survey design, involving members of farmer groups as respondents selected through purposive sampling. Data were collected through questionnaires, interviews, and observation, and were then analyzed using simple linear regression with the assistance of SPSS 26. The results showed that the existence of farmer groups had a positive and significant effect on members’ income, with a calculated t-value of 24.219, which was greater than the t-table value of 1.997, and a significance value of 0.000. The coefficient of determination (R²) value of 0.90 indicated that 90% of the variation in members’ income was explained by the existence of farmer groups. The conclusion of this study affirms that the activity and institutional function of farmer groups play an important role in increasing members’ income. These findings contribute to the development of studies on agricultural institutions and Islamic economics, particularly regarding the application of the values of justice, ta’awun, and amanah in community economic activities. The implications of this study indicate the importance of strengthening member participation, organizational governance, and government support in making farmer groups a means of community economic empowerment.
Analisis Implementasi Pembiayaan KPR BTN Subsidi pada Nasabah Berpenghasilan Rendah di BTN KCS Padang Sulistri Mufidah Umah; Ariyun Anisah
ARZUSIN Vol 6 No 4 (2026): AGUSTUS
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i4.10131

Abstract

The implementation of KPR BTN Subsidi financing for low-income customers has become an important issue in Islamic banking because it is related to access to home ownership, contract compliance, verification effectiveness, and financing risk management. Although the topic of subsidized mortgages has been examined in several studies, research specifically addressing the implementation of sharia-based financing at BTN Sharia Branch Office (KCS) Padang, particularly regarding financing procedures, the application of sharia contracts, the e-FLPP verification system, financing risk management, and customer education, remains limited. This study aims to analyze the implementation of KPR BTN Subsidi financing for low-income customers at BTN KCS Padang. This study used a qualitative approach with a case study design, involving the management of BTN KCS Padang and customers receiving KPR BTN Subsidi selected through purposive sampling. Data were collected through in-depth interviews, observation, and documentation, and were then analyzed using the interactive analysis model of Miles, Huberman, and Saldaña, which includes data reduction, data display, and conclusion drawing. The results showed that the implementation of KPR BTN Subsidi financing at BTN KCS Padang was carried out systematically through the stages of financing application, data verification through the e-FLPP system, feasibility surveys, the implementation of murabahah and musyarakah mutanaqisah contracts, and the management of problematic financing risks. The murabahah contract was the most dominantly used contract because it provides certainty regarding the margin and installment amount for low-income customers. The conclusion of this study affirms that the successful implementation of sharia-based subsidized mortgages is strongly determined by contract transparency, the effectiveness of financing verification, risk management, and customer education. These findings contribute to the development of Islamic banking studies and provide practical implications for Islamic financial institutions in strengthening the governance of subsidized home financing that is transparent, accountable, and in accordance with sharia principles.
Edukasi Tentang Pentingnya Ibadah Haji dan Umrah di SDN 01 Batang Palupuh Luffia Azzahra; Ariyun Anisah
Tanmiyah Impact: Islamic Economics & Business Service Journal Vol. 1 No. 4 (2025): Desember 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Pendidikan keagamaan sejak dini memiliki peran penting dalam membentuk pemahaman dan karakter religius peserta didik. Artikel ini membahas pelaksanaan kegiatan edukasi mengenai pentingnya ibadah haji dan umrah di SDN 01 Batang Palupuh, sebuah sekolah dasar di wilayah pedesaan yang memiliki keterbatasan pengetahuan keagamaan terkait ibadah haji dan umrah. Keterbatasan tersebut dipengaruhi oleh latar belakang keluarga siswa yang sebagian besar belum pernah melaksanakan kedua ibadah tersebut. Kegiatan edukasi ini dilaksanakan melalui metode penyampaian materi secara interaktif dan simulasi sederhana pelaksanaan ibadah haji untuk memberikan gambaran konkret kepada siswa. Hasil kegiatan menunjukkan adanya peningkatan pemahaman siswa terhadap pengertian, tata cara pelaksanaan, serta nilai-nilai spiritual yang terkandung dalam ibadah haji dan umrah. Selain itu, kegiatan ini juga berdampak positif terhadap motivasi keagamaan siswa dan berkontribusi dalam pembentukan karakter religius sejak usia dini. Dengan demikian, edukasi dan simulasi ibadah haji dan umrah dapat menjadi metode pembelajaran yang efektif dalam meningkatkan pemahaman keagamaan siswa sekolah dasar, khususnya di wilayah pedesaan. Religious education from an early age plays an important role in shaping students’ understanding and religious character. This article discusses the implementation of an educational activity on the importance of Hajj and Umrah at SDN 01 Batang Palupuh, an elementary school located in a rural area with limited religious knowledge related to Hajj and Umrah practices. This limitation is influenced by the family backgrounds of the students, most of whom have never performed either pilgrimage. The educational activity was conducted through interactive material delivery and simple simulations of Hajj rituals to provide students with a concrete and contextual understanding of the worship practices. The results of the activity indicate an improvement in students’ understanding of the meaning, procedures, and spiritual values embodied in Hajj and Umrah. In addition, the activity had a positive impact on students’ religious motivation and contributed to the formation of religious character from an early age. Therefore, educational activities combined with simulations of Hajj and Umrah rituals can serve as an effective learning method for enhancing religious understanding among elementary school students, particularly in rural areas
Sosialisasi Produk Perbankan Syariah bagi Ibu-Ibu PKK Jorong Sitingkai untuk Meningkatkan Literasi Keuangan Masyarakat Lokal Tasya Syahmulia; Ariyun Anisah
Tanmiyah Impact: Islamic Economics & Business Service Journal Vol. 1 No. 4 (2025): Desember 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Kegiatan ini bertujuan untuk memberikan sosialisasi dan edukasi mengenai prinsip-prinsip dasar serta produk-produk perbankan syariah kepada ibu-ibu PKK di Jorong Sitingkai, Kecamatan Palupuh, Kabupaten Agam. Fokus utama kegiatan diarahkan pada pengenalan konsep perbankan syariah yang berlandaskan prinsip keadilan, transparansi, dan bebas riba, khususnya melalui akad-akad utama seperti mudharabah (bagi hasil), musyarakah (kerja sama modal), dan wadiah (titipan). Selain pemaparan konsep, kegiatan ini juga menekankan pada penerapan praktis produk perbankan syariah dalam aktivitas keuangan sederhana yang telah akrab dalam kehidupan masyarakat, seperti arisan dan simpan pinjam kelompok. Pendekatan ini bertujuan agar peserta dapat memahami bahwa prinsip-prinsip syariah tidak bersifat abstrak, melainkan dapat diimplementasikan secara nyata dalam pengelolaan keuangan rumah tangga dan komunitas. Penyampaian materi dilakukan secara interaktif dan komunikatif dengan menyesuaikan kondisi sosial serta tingkat literasi peserta. Metode diskusi dan tanya jawab digunakan untuk mendorong partisipasi aktif ibu-ibu PKK, yang terlihat dari tingginya antusiasme serta keterlibatan peserta selama kegiatan berlangsung. Hasil kegiatan menunjukkan bahwa materi mengenai produk perbankan syariah sangat relevan dengan praktik ekonomi berbasis komunitas di tingkat rumah tangga. This activity aimed to provide socialization and education on the basic principles and products of Islamic banking to members of the PKK women’s group in Jorong Sitingkai, Palupuh District, Agam Regency. The main focus of the activity was the introduction of Islamic banking concepts based on the principles of justice, transparency, and the prohibition of usury (riba), particularly through key contracts such as mudharabah (profit-sharing), musyarakah (capital partnership), and wadiah (safekeeping). In addition to conceptual explanations, the activity emphasized the practical application of Islamic banking products in simple financial activities commonly practiced in the community, such as rotating savings groups (arisan) and group savings and loans. This approach aimed to help participants understand that Islamic principles are not merely abstract concepts but can be concretely implemented in household and community financial management. The material was delivered in an interactive and communicative manner, adapted to the social conditions and literacy levels of the participants. Discussion and question-and-answer methods were employed to encourage active participation, which was reflected in the high level of enthusiasm and engagement among the PKK members throughout the activity. The results of the activity indicate that the material on Islamic banking products is highly relevant to community-based economic practices at the household level.
Dampak Penggunaan Wifi Bersama terhadap Konflik Sosial Antar Warga di Lingkungan Permukiman Hafizah; Devy, Tartila; Widianita, Rika; Ridhah, Habibatur; Anisah, Ariyun
IJOCE: Indonesia Journal of Civic Education Vol. 6 No. 2 (2026): IJOCE: Indonesia Journal of Civic Education
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/fbwrm253

Abstract

This study aims to analyze the impact of shared WiFi usage on social conflicts among residents in the Aur Kuning urban settlement, Bukittinggi City. This research employs a qualitative method with a descriptive approach. Data were collected through observation, interviews, and documentation involving WiFi users, internet network owners, adolescents, and local community leaders. Data analysis follows the Miles and Huberman interactive model, consisting of data reduction, data display, and conclusion drawing. The findings show that shared WiFi usage in Aur Kuning has triggered various social conflicts among residents, such as disputes over internet cost-sharing, late payment of contributions, excessive network usage, and reduced internet quality due to too many users. In addition, intensive internet use has decreased face-to-face social interaction, as residents tend to spend more time using mobile devices rather than engaging with their surroundings. Among adolescents, shared WiFi is predominantly used for online gaming and social media activities until late at night, which has caused disturbances to neighborhood comfort. This study concludes that shared WiFi usage not only provides benefits in supporting communication and information needs but also influences changes in urban community social relations. Therefore, supervision of internet use, effective communication among residents, and collective rules regarding WiFi usage are needed to minimize social conflicts in residential areas.ter   Keywords: Wifi Usage, Social Conflict and Residential Environment
Analisis Penanganan Kendala Perjalanan Ibadah Umrah di PT. Al-Azhar Mitra Utama Cabang Bukittinggi Ira Dinawati; Ariyun Anisah
MUSAFIR : Journal of Islamic Tourism and Pilgrimage Vol. 2 No. 1 (2026): June 2026
Publisher : Program Studi Pariwisata Syariah - UIN Sjech M. Djamil Djambek Bukttinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/musafir.v2i1.11172

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis kendala yang dihadapi jamaah selama proses perjalanan ibadah umrah serta mengkaji upaya penanganan kendala tersebut berdasarkan perspektif manajemen risiko. Metode penelitian yang digunakan adalah metode kualitatif dengan pendekatan deskriptif, melalui pengumpulan data berupa observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa kendala perjalanan ibadah umrah terdiri atas kendala internal dan eksternal. Kendala internal meliputi pengurusan paspor, kerusakan koper, keterlambatan penerbangan (delay), dan masalah kesehatan. Sementara itu, kendala eksternal mencakup permasalahan akomodasi karena keterbatasan koordinasi dengan pihak layanan di Arab Saudi, tersesat, kehilangan paspor di Arab Saudi, serta faktor lingkungan dan situasi di luar kendali penyelenggara. Penanganan kendala dilakukan melalui tahapan manajemen risiko, yaitu identifikasi, analisis, evaluasi, dan pengendalian risiko. Meskipun upaya penanganan telah dilakukan, masih diperlukan peningkatan dalam perencanaan dan pengawasan agar risiko dapat diminimalkan secara efektif. Penelitian ini diharapkan dapat memberikan kontribusi bagi penyelenggara perjalanan ibadah umrah dalam meningkatkan kualitas pelayanan dan manajemen risiko. Abstract This study aims to analyze the obstacles faced by pilgrims during the Umrah pilgrimage and examine efforts to address these obstacles from a risk management perspective. The research method used was a qualitative descriptive approach, collecting data through observation, interviews, and documentation. The results indicate that obstacles during the Umrah pilgrimage consist of internal and external constraints. Internal obstacles include passport processing, damaged luggage, flight delays, and health issues. Meanwhile, external obstacles include accommodation issues due to limited coordination with service providers in Saudi Arabia, getting lost, losing passports in Saudi Arabia, and environmental factors and situations beyond the organizer's control. Obstacle management is carried out through the stages of risk management: identification, analysis, evaluation, and risk control. Although mitigation efforts have been implemented, improvements in planning and supervision are still needed to minimize risks effectively. This research is expected to contribute to improving the quality of service and risk management for Umrah pilgrimage organizers.
Co-Authors Alfin, Aidil Awaluddin Awaluddin Ayu Ayu AYU LESTARI Ayu, Ayu Azzahrah, Natasya Baginda Parsaulian Cahya Agung Mulyana Cahya Agung Purnama Devy, Tartila Elvira Maisandra Fajril Wahdi Fani Amelia Fani Amelia Fauziah Anggeraini Febriani, Vany Geby Sintia Dwi Gucandra, Yudi Hafizah Hafizah Hafizah Hartono Hartono Hidayati Hidayati Ira Dinawati Kenedi, Jon Khadijah Nurani Luffia Azzahra M. Imamuddin Mareta, Sri Gayatri Merifiani, Yolanda Muhammad Rais Mulyana, Cahya Agung Niko Taufiq Hidayat Nurani, Khadijah Rahayu, Musri Putri Rahman, Ali Refliani, Refliani Ridhah, Habibatur Rika Widianita Rika Widianita Riri Anjas Mita Santi Deswita Santi Deswita Septria Susanti Simatupang, Yulia Asarah SL, Hayatun Nufus Sulistri Mufidah Umah susanti, septria Tasya Syahmulia Uqwatul Alma Wizja Wardaniah, Wardaniah Yenty Astari Dewi Yenty Dewi Astarie ZUWARDI, ZUWARDI