cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Januddin
Contact Email
almashaadir@stisummulayman.ac.id
Phone
+6282246159385
Journal Mail Official
almashaadir@stisummulayman.ac.id
Editorial Address
Gedung Biro Akademik STIS Ummul Ayman Lt. 1. Jl. Banda Aceh-Medan, Km.165, Desa Meunasah Bie, Kec. Meurah Dua kab. Pidie Jaya, Aceh, Indonesia, Kode Pos 24186
Location
Kab. pidie jaya,
Aceh
INDONESIA
Al Mashaadir : Jurnal Ilmu Syariah
Published by Sekolah Tinggi Ilmu Syariah Ummul Ayman
ISSN : 27222276     EISSN : 27222268     DOI : https://doi.org/10.52029/jis
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice
l Mashaadir : Jurnal Ilmu Syariah disajikan sebagai upaya untuk mempromosikan hasil-hasil kajian dan penelitian dalam bidang ilmu syariah. Jurnal ini merupakan jurnal yang memuat naskah di bidang Hukum Ekonomi Syariah dan Hukum Keluarga Islam ke dunia pengetahuan. Ruang lingkup dari Al Mashaadir berupa hasil penelitian dan kajian analisis - kritis di bidang Hukum Ekonomi Syariah dan Hukum Keluarga Islam dengan tujuan sebagai wadah yang kredibel bagi akademisi dan peneliti di seluruh dunia untuk menyebarluaskan karya, studi, makalah, dan bentuk penelitian lainnya. Al Mashaadir bertujuan untuk menjadi jurnal ilmiah dengan reputasi nasional serta mempromosikan kemajuan, pemahaman, dan praktik ekonomi dan hukum keluarga Islam. Pengiriman artikel di jurnal ini dapat dikirimkan ke website http://jurnal.stisummulayman.ac.id/index.php/almashaadir Informasi lengkap dan petunjuk penulisan artikel tersedia di dalam setiap terbitan. Artikel yang masuk akan melewati proses review oleh mitra bestari atau editor. Al Mashaadir diterbitkan oleh Sekolah Tinggi Ilmu Syariah, Pidie Jaya, Aceh, Indonesia. Al Mashaadir adalah jurnal ilmiah dan referensi yang menyediakan sumber informasi resmi bagi para sarjana, akademisi, dan profesional di bidang hukum keluarga Islam dan hukum ekonomi Syariah, keuangan Islam termasuk ekonomi, bisnis dan manajemen. Jurnal ini diterbitkan dalam bentuk cetak dan online serta dapat di unduh secara gratis pada website ini. Frekuensi penerbitan yaitu sebanyak dua kali dalam setahun yaitu Juni dan Desember.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 94 Documents
 6   7   8   9   10 
Art 1993 The Effectiveness of the Implementation of Law Number 16 of 2019 Amending Law Number 1 of 1974 on Marriage (A Study on Child Marriage Dispensation at the Religious Court of Palu City) : Islamic Family Law salwa; Sidik; Suhri Hanafi
Al Mashaadir : Jurnal Ilmu Syariah Vol. 7 No. 1 (2026)
Publisher : IAI Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v7i1.478

Abstract

Child marriage remains a significant social and legal issue in Indonesia, particularly after the enactment of Law Number 16 of 2019 concerning the Amendment to Law Number 1 of 1974 on Marriage, which raised the minimum marriage age to 19 years for both men and women. This study aims to analyze the implementation and effectiveness of the law in preventing child marriage through marriage dispensation cases at the Religious Court of Palu. This research employed an empirical juridical method using a qualitative approach. Data were obtained through interviews with the Vice Chairman and the Registrar of the Religious Court of Palu, documentation, and analysis of relevant laws and court decisions. The findings indicate that the implementation of Law Number 16 of 2019 has been carried out through stricter and more selective procedures in examining marriage dispensation applications. Judges not only consider administrative requirements, but also evaluate psychological readiness, educational continuity, economic conditions, and the best interests of the child in accordance with Supreme Court Regulation Number 5 of 2019 and child protection principles. However, the law has not been fully effective in reducing child marriage practices because marriage dispensation applications remain relatively high. Pregnancy outside marriage, low legal awareness, economic conditions, cultural acceptance of early marriage, and limited legal socialization are the dominant factors influencing the persistence of child marriage. Nevertheless, the amendment to the Marriage Law can be considered effective within judicial practice because judges have become more selective and cautious in granting marriage dispensations by prioritizing child protection and the best interests of the child.
Art 1975 Analysis of the Effectiveness of Restructuring in Resolving Problematic Financing in Murabahah Contracts at PT Bank Sumut KCP Syariah Simpang Kayu Besar Putri Ahmarani; Muhammad Lathief Ilhamy Nasution; Waizul Qarni
Al Mashaadir : Jurnal Ilmu Syariah Vol. 7 No. 1 (2026)
Publisher : IAI Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

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

Abstract

This study aims to analyze the effectiveness of restructuring in resolving problematic financing in murabahah contracts at PT Bank Sumut KCP Syariah Simpang Kayu Besar, including the implementation of restructuring, its effectiveness, compliance with sharia principles, and the obstacles encountered. This study uses a qualitative descriptive approach with field research. Data were obtained through observation, interviews, and documentation, then analyzed using data reduction, data presentation, and conclusion drawing techniques. The results show that financing restructuring through rescheduling and adjustment of payment schemes has proven effective in helping customers fulfill their obligations, improving financing quality, and keeping the increase in problematic financing under control. The effectiveness of restructuring is not only reflected in the control of the Non-Performing Financing (NPF) ratio, but also from changes in customer payment behavior and improved financing collectibility. The implementation of restructuring is also in accordance with sharia principles, especially the principles of al-taradhi, ta'awun, and justice, because it is carried out based on mutual agreement without changing the substance of the murabahah contract. Obstacles to its implementation include low customer understanding, potential moral hazard, additional restructuring costs, limited bank supervision, and external economic conditions. Therefore, restructuring can be considered an effective policy for resolving problematic financing under murabahah contracts.
Art 2031 Strategies, Obstacles, and Perceptions of MSMEs in Bandar Masilam, Simalungun Regency in Implementing QRIS as a Digital Payment Tool Intan Juwita Damanik; Rahmi Syahriza; Tuti Anggraini
Al Mashaadir : Jurnal Ilmu Syariah Vol. 7 No. 1 (2026)
Publisher : IAI Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v7i1.480

Abstract

This study aims to analyze the strategies, obstacles, and perceptions of MSME actors in Bandar Masilam District, Simalungun Regency in implementing QRIS as a digital payment tool. This research uses a qualitative method with a descriptive approach, with data collection techniques through interviews, observations, and documentation. The results show that QRIS implementation is still simple and passive, such as providing QR codes at business locations. The main obstacles include limited internet access, delays in fund disbursement, and low digital literacy among the comunity. However, MSME actors generally have positive perceptions. Therefore, improving digital literacy and infrastructure support is necessary to optimize QRIS adoption in the area
Art 2071 The Moderating Role Of Self-Control In The Relationship Between Sharia Financial Literacy and Paylater Usage Decisions (A Case STUDY Of Uniga Students) Fitri Syakinah; Resmi Afifah Fadilah; Lina Nurlaela
Al Mashaadir : Jurnal Ilmu Syariah Vol. 7 No. 1 (2026)
Publisher : IAI Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v7i1.483

Abstract

The rapid growth of Buy Now Pay Later (BNPL) services has transformed student consumption patterns but raised risks of consumer debt and usury, often leading to an intention-behavior gap where high religious knowledge fails to curb digital debt behavior. This study aims to investigate the influence of Sharia Financial Literacy on Paylater Usage Decisions among Accounting and Management students at Garut University, with Self-Control serving as a moderating variable. Employing a quantitative associative approach with a cross-sectional survey method, data were collected via digital questionnaires alongside qualitative micro-focus group discussions for instrument validation. The sample consisted of 100 active students selected through purposive sampling, and the data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The structural model evaluation shows that Sharia Financial Literacy does not have a significant influence on students' paylater usage decisions (p = 0.129), indicating that theological understanding is often secondary to practical considerations. Conversely, Self-Control has a positive and significant direct effect on usage decisions (p = 0.000), showing that students with strong self-control do not avoid paylater but utilize it in a planned, measured, and responsible manner to manage short-term cash flow. Furthermore, Self-Control does not act as a moderating variable in the relationship between Sharia Financial Literacy and paylater decisions (p = 0.413), as both factors operate independently. In conclusion, individual financial decisions in the fintech ecosystem are heavily driven by psychological behavioral discipline rather than normative religious literacy or its interactive combination.
Art 2074 A Comparative Analysis of Utilitarianism Theory and Maslahah in the Legal Protection of Child Street Workers in Medan City Muhammad Iqbal Hanafi Nasution; Mhd Yadi Harahap; Iwan
Al Mashaadir : Jurnal Ilmu Syariah Vol. 7 No. 1 (2026)
Publisher : IAI Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v7i1.484

Abstract

The phenomenon of child street workers in Medan City remains a significant social and legal issue, characterized by economic exploitation, limited access to education, and inadequate protection of children's rights. Despite the existence of various legal regulations, the implementation of child protection policies continues to face structural challenges. This study aims to analyze the legal protection provided to child street workers through the Center for Child Study and Protection (Pusat Kajian dan Perlindungan Anak/PKPA) in Medan City and to compare the relevance of Utilitarianism and Maslahah theories as evaluative frameworks. This research employs a juridical-empirical method with a socio-legal approach. Data were collected through interviews with PKPA administrators, Islamic law scholars, and government officials, supported by field observations and document analysis. The data were analyzed descriptively using the perspectives of Utilitarianism and Maslahah. The findings indicate that PKPA has implemented legal protection measures through participatory data collection, non-formal education, psychosocial assistance, restoration of legal identity, family reintegration, and policy advocacy. These programs have contributed to improving the fulfillment of children's rights and welfare. However, their effectiveness remains constrained by structural factors, including family poverty, the culture of street-based charity, and limited inter-agency coordination. From a Utilitarian perspective, legal protection generates benefits for children and society but may risk overlooking the interests of vulnerable groups. In contrast, Maslahah theory provides a more comprehensive framework by emphasizing the protection of maqāṣid al-sharī‘ah, the prevention of harm, and the integration of individual and social welfare. Therefore, Maslahah is considered a more relevant normative foundation for strengthening the legal protection of child street workers in Medan City.
Art 2131 Optimization Of Gold Installment Financing Akad Murabahah Agreement In Order To Improve Sharia Financial Inclucion At Bank Sharia Indonesia Meurah Dua District, Pidie Jaya Regency Baihaqi
Al Mashaadir : Jurnal Ilmu Syariah Vol. 7 No. 1 (2026)
Publisher : IAI Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v7i1.487

Abstract

This study aims to analyze the optimization of gold installment financing through the murabahah contract to increase Islamic financial inclusion at Bank Syariah Indonesia (BSI) in Meurah Dua District, Pidie Jaya Regency. The method used was a qualitative case study approach. Data were collected through in-depth interviews with internal bank personnel and various community members as customers. The results indicate that gold installments at BSI are a financing facility for gold bullion ownership with an installment system that utilizes the murabahah contract for buying and selling and the rahn contract for collateral. This product offers tenors of 1 to 5 years with a minimum weight starting from 0.05 grams. Field findings revealed that people use this product as a long-term, inflation-resistant investment instrument (a safe haven), a strategy for financing children's education, and as a way to prepare for wedding dowries. The 0% installment scheme at BSI Meurah Dua acts as a "positive force" in fostering family financial discipline. Overall, this product effectively supports increasing Islamic financial inclusion by reaching segments of society that previously had difficulty accessing formal financial services (the unbanked).
Art 2125 Analysis of Determinants of Potential for Sharia Insurance Development in Singkuang Village, Mandailing Natal Sumatera Utara Rian Dandi Pratama; Muhammad Syukri Albani Nasution; Imsar
Al Mashaadir : Jurnal Ilmu Syariah Vol. 7 No. 1 (2026)
Publisher : IAI Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v7i1.490

Abstract

This study aims to quantitatively analyze the household economic protection needs and their relationship with the development of Islamic insurance in Singkuang Village, Muara Batang Gadis District, Mandailing Natal Regency. Households in rural areas face high economic vulnerability due to unstable income, large family dependents, as well as health and occupational accident risks, while insurance ownership rates remain low. Islamic insurance serves as an alternative financial protection based on the principle of mutual assistance (ta'awun) and is free from usury (riba), uncertainty (gharar), and gambling (maisir). This study employs a quantitative approach with a cross-sectional design. A sample of 96 households was taken using simple random sampling from a population of 1,500 households. Data were collected through a structured questionnaire using a 1-5 Likert scale, which had been tested for validity and reliability (Cronbach's Alpha 0.762). Data analysis included descriptive statistics, classical assumption tests (normality, multicollinearity, heteroscedasticity), and multiple linear regression analysis with t-test and F-test. This study concludes that economic protection needs, understanding of Islamic insurance, and community interest have a positive effect on the development of Islamic insurance. It is recommended that Islamic insurance institutions enhance education and socialization, local governments support sharia financial literacy programs, and insurance products be tailored to the economic conditions of rural communities. Keywords: Sharia Insurance Development, Economic Protection Needs, Financial Understanding, Interest  
The Influence of Electronic Word of Mouth, Accessibility, and Amenities on the Decision to Visit Banyak Island, Aceh Singkil Helfina Meisarah; Imsar; Tri Inda Fadhila Rahma
Al Mashaadir : Jurnal Ilmu Syariah Vol. 6 No. 2 (2025)
Publisher : IAI Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v6i2.491

Abstract

The present research endeavors to scrutinize the impact of Electronic Word of Mouth (E-WOM), spatial accessibility, and infrastructural amenities on tourists' behavioral intention to visit the maritime destination of Pulau Banyak, Aceh Singkil. This investigation is driven by empirical phenomena regarding suboptimal digital marketing orchestration, restricted geographical reachability, and the development of local support facilities. Employing a quantitative framework, this study utilized a survey technique involving 100 respondents with prior visitation experience. Data analysis was conducted using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) approach through SmartPLS 4.1. Empirical outcomes elucidate that E-WOM, logistical connectivity, and physical amenities simultaneously exert a positive and significant influence on visitors' destination choice. These findings formulate strategic imperatives for tourism authorities to intensify digital advocacy campaigns, improve transportation access, and optimize ancillary services to sustainably augment future tourist influx. Keywords: Electronic Word of Mouth, Accessibility, Amenities, Visitation Intent  
Legal Aspects of Election Administration Decisions Stages of Vote Counting Recapitulation in Pidie Jaya Regency Muzakkir Zakaria
Al Mashaadir : Jurnal Ilmu Syariah Vol. 5 No. 2 (2024)
Publisher : IAI Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v5i2.192

Abstract

The 2024 general election in Indonesia is seen as procedurally successful in its implementation. However, if viewed substantially and in terms of fulfilling the aspect of justice, there are still many legal problems. The purpose of the study was to determine the legal aspects of the considerations of the correction decision by Bawaslu RI and the evidence process by Bawaslu Pidie Jaya in handling administrative violations of the recapitulation stage of the vote count of the election. This research is normative legal research, in its implementation it was carried out using a statute approach and a case approach and to strengthen secondary data, the reviewer added field data (field research) for primary data collection by conducting interviews. The results of the study showed the considerations and rulings of Bawaslu RI which stated that the reported party II was not involved and there were no facts stating that Reported Party II had committed an unlawful act according to the Pidie Jaya Regency Bawaslu Decision Number 001 / LP / ADM.PL / BWSL.KAB / 01.22 / III / 2024, according to the Reviewer, the considerations of Bawaslu RI in its decision No. 003/KS/ADM.PL/BWSL/00.00/111/2024 seen from the legal principle only emphasizes the principle of legal certainty alone and ignores the facts that occurred in the field during the recapitulation process of the vote count by ignoring the principle of legal benefit and the verdict of the Indonesian Election Supervisory Body which ordered the PPK to make improvements to the recapitulation of the vote count for DPRK candidates in Bandar Baru District based on C Results-DPRK caused legal problems and in its implementation caused problems. In the decision to handle administrative violations committed by the Pidie Jaya Regency Election Supervisory Body, the examination and evidence process has not been carried out effectively to find trial facts, so improvements are needed in the enforcement of election law in the future to provide justice and legal benefits.
Efforts to Resolve Waqf Disputes at the Payakumbuh Religious Court Case Number: 159/Pdt.G/2019/PA.Pyk Hafizul Mahfuzh; Zulfan Zulfan; Elfia Elfia
Al Mashaadir : Jurnal Ilmu Syariah Vol. 6 No. 1 (2025)
Publisher : IAI Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v6i1.209

Abstract

This study discusses the process of resolving a waqf dispute at the Payakumbuh Religious Court in case No. 159/Pdt.G/2019/PA.Pyk, which did not reach an agreement during the mediation stage, resulting in the lawsuit being granted. Mediation, as an important part of dispute resolution in court, aims to resolve disputes and reach a peaceful agreement between the parties. This study uses a normative legal research method. The data used in this study are secondary data, namely the decision in Case No. 159/Pdt.G/2019/PA.Pyk and legislation on waqf. To support the research, the legal materials used in this study are books, journals, and other reference sources. The data analysis used is qualitative legal analysis. The resolution of waqf disputes through mediation has legal implications for the parties, enabling them to obtain a swift decision, incur lower costs, avoid further legal proceedings, and have a decision that accommodates the interests of all parties and ensures they receive their rights fairly.

Page 8 of 10 | Total Record : 94

 6   7   8   9   10 

Filter by Year

2020 2026


Reset
Filter By Issues
All Issue Vol. 7 No. 1 (2026) Vol. 6 No. 2 (2025) Vol. 6 No. 1 (2025) Vol. 5 No. 2 (2024) Vol. 5 No. 1 (2024) Vol. 4 No. 2 (2023) Vol 4, No 1 (2023) Vol 3, No 2 (2022) Vol 3, No 1 (2022) Vol 2, No 2 (2021) Vol 2, No 1 (2021) Vol 1, No 2 (2020) Vol 1, No 1 (2020) More Issue