Al Dzahab

Faktor-Faktor yang Mempengaruhi Kepuasan Pengguna Jaminan Kesehatan Nasional

Tanti Anggreiniboti, Def Primal — Mon, 17 Mar 2025 00:00:00 +0000

Purpose: This study aims to identify the factors influencing user satisfaction with the National Health Insurance in Indonesia.

Design/Methodology/Approach: This is a quantitative study with an analytical method using a cross-sectional approach. The population in this study consists of Indonesian citizens, utilizing data from the 2014 Indonesian Family Life Survey (IFLS). The total sample used in this study is 5,041 respondents. Data processing is conducted using the Stata application, employing the logit analysis method.

Findings: There is a positive and significant influence of healthcare facility utilization and health insurance ownership on user satisfaction with health insurance. However, out-of-pocket payments beyond regular insurance contributions and waiting time do not affect user satisfaction with health insurance.

Research Implications: Policies are needed to anticipate dissatisfaction among health insurance users by minimizing additional costs beyond the regular insurance contributions. Efforts should also be made to reduce waiting times for healthcare services.

Bitcoin dalam Persepektif Fiqih Muamalah Kontemporer

Mon, 17 Mar 2025 00:00:00 +0000

Purpose: This research is to understand Bitcoin in the perspective of contemporary muamalah fiqh, find out how contemporary scholars understand bitcoin and analyze whether it is permissible or not from the perspective of contemporary muamalah fiqh.

Design/methodology/approach: This research method is included in the quantitative category with a descriptive approach process, where the data collection technique relies on references in the library method as the main source. In other words, the data collection method is obtained from literature, such as articles, online media, books and other sources.

Findings: : The results of this research show that bitcoin as an investment is not permitted because it contains gharar and maysir, and is not recognized as an official medium of exchange. The Indonesian government also does not support bitcoin as an official currency and considers it illegal under the Bank Indonesia Law.

Research implications: From the results of this research, it is known that the development of Bitcoin in the Contemporary Prefective Fiqh of Muamalah, namely cryptocurrency, whether Bitcoin or other related cryptocurrencies, is still not accepted in Islamic law. and it could be said that it has not been legally and legitimately accepted in Indonesia.

The Alternative Use of Islamic Endowment (Waqf) for Educational Desire Among Contemporary Northern Nigerian People

Tue, 18 Mar 2025 00:00:00 +0000

Purpose: The feasibility and effective use of Waqf to bridge educational disparities in Northern Nigeria are investigated in this study.

Design/methodology/approach: This study employs a qualitative methodology that includes a review of the literature, case studies, and expert interviews. These methods enable a thorough understanding of the challenges facing the local educational system as well as the contributions Waqf has made to the growth of education both historically and currently.

Findings: Important insights into how Islamic endowment systems can reduce significant educational disparities in the region are obtained via the examination of relevant theoretical frameworks and empirical research. It highlights the potential uses of these endowments, which are motivated by religious beliefs, to fund education for disadvantaged pupils by examining Waqf models that have been successful in other Muslim nations.

Research implications: Incorporating Waqf into educational funding would offer a workable, long-term way to reduce the negative consequences of the socioeconomic crisis and enhance educational goals in the region.

Education and Socialization of Understanding the Importance of Halal Food and Drinks for Elementary School Students

Thu, 20 Mar 2025 00:00:00 +0000

Purpose: This study aims to improve elementary school students' literacy regarding the consumption of halal food and drinks in the school environment and to establish it as a habit.

Design/methodology/approach: This activity was conducted at SDT Al-Bukhari Muslim, located at Jl. Sriwijaya No. 57, Petisah Hulu Village, Medan Baru District, Medan City, North Sumatra. Data collection techniques included interviews with SDT Al-Bukhari Muslim representatives. The proposed solution is knowledge transfer to students through Educational Seminars and Socialization on the Importance of Halal Food and Drinks for Elementary School Students.

Findings: The results indicate that the lack of students' understanding of the importance of consuming halal food and drinks was successfully addressed. Students' comprehension increased by 87% after educational and socialization activities on the importance of consuming halal food and drinks.

Research implications: An educational program on halal food and drink consumption for SDT Al-Bukhari Muslim students can be implemented through a sustainable education and socialization program to enhance students' understanding of the importance of halal food and drinks.

Pemberdayaan BUMDes dalam Mendukung Pembangunan Berkelanjutan Berdasarkan Maqashid Al-Shari’ah di Provinsi Jawa Timur

Lailatus Siama — Sat, 22 Mar 2025 00:00:00 +0000

Purpose: To analyze the existence of BUMDes for sustainable development based on maqasid al-shari’ah in East Java.

Design/methodology/approach: This study uses a qualitative research approach with a literature review method. Data sources were taken from 5 samples of BUMDes empowerment in East Java sourced from Journals.

Findings: Based of the 5 samples used, the implementation of BUMDes in East Java, has supported the SDGs in the areas of zero poverty, zero hunger, gender equality, decent work and economic growth, responsible consumption and production, and partnership for the goals, which align with the 5 fundamental elements of maqasid al-shari’ah, namely hifz al-din, hifz al-nafs, hifz al-nasl, hifz al-aql, and hifz al-mal.

Research implications: The empowerment of BUMDes in East Java is implemented in the form of establishing various business units in different field, ranging from MSMEs shops, land utilization for agriculture, livestock, and fisheries, rental business, sharia financing business, and training programs that can ebhance human resources.

Halal Economic Ecosystem of Indonesia and Thailand through Halal Certification Bodies (BPJPH & CICOT)

Muti’ah Nurul Jannah, Suryani Suryani, Efi Syarifudin — Sun, 23 Mar 2025 00:00:00 +0000

Purpose: This study aims to analyze the halal economic ecosystem in Indonesia and Thailand through the role of halal certification bodies, namely BPJPH (Halal Product Assurance Organizing Agency) in Indonesia and CICOT (Central Islamic Council of Thailand) in Thailand.

Design/methodology/approach: Using a qualitative descriptive research method, this study examines how both countries develop the halal economic ecosystem through aspects of demand, government support, and the availability of halal products.

Findings: The results indicate the growth of the halal economic ecosystem, which requires approaches in terms of demand, support, and supply.

Research implications: The growing Muslim population drives the increasing demand. The establishment of BPJPH (Halal Product Assurance Organizing Agency) in Indonesia and CICOT (Central Islamic Council of Thailand) illustrates the government’s support for developing the halal economic ecosystem in Indonesia and Thailand. Lastly, the collaboration between Indonesia and Thailand serves as an additional effort to advance the global halal economic ecosystem.

Development of Syariah Fintech: Challenges and Opportunities in the Digital Economy

Riska Ardila Hasanah, Zulfikar Hasan, Sona Muhardi — Sun, 23 Mar 2025 00:00:00 +0000

Purpose: This study aims to analyze the challenges and opportunities in the development of Sharia Fintech in the digital economy era.

Design/methodology/approach: This study employs a library research approach. The researchers identify, evaluate, and analyze literature that discusses Islamic economics, digital technology, and the integration between the two.

Findings: The development of Islamic economics in the digital era faces various complex challenges. One of the main challenges is the low level of digital literacy among the target market of Islamic economics. Many individuals and small and medium enterprises (SMEs) have not fully understood or adopted digital technology, which hinders the integration of Islamic economic services with digital platforms.

Research implications: The Sharia Fintech industry needs to enhance education and services to make them more accessible to the public. The government also needs to strengthen regulations and infrastructure to support the growth of this sector. Additionally, society must improve digital literacy to fully utilize Sharia Fintech services. Therefore, collaboration between industry, government, and society is crucial in building an inclusive and sustainable Islamic financial ecosystem in the digital era.