{"title":"Analisis Tingkat Kesehatan Bank Aladin Syariah Periode 2020 – 2024","authors":"Alif Muthahari, U. Umiyati","doi":"10.21111/ijtihad.v19i2.15705","DOIUrl":"https://doi.org/10.21111/ijtihad.v19i2.15705","url":null,"abstract":"This study aims to analyze~ the~ multidime~nsional pe~rformance~ of PT Bank Aladin Syariah Tbk during its crucial digital transformation phase~ (2020–2024). Using a de~scriptive~ quantitative~ approach, this re~se~arch inte~grate~s thre~e~ me~asure~me~nt me~thods: bank soundne~ss using the~ RGE~C me~thod (Risk Profile~, GCG, E~arnings, Capital), te~chnical e~fficie~ncy using Data E~nve~lopme~nt Analysis (DE~A), and stability and bankruptcy risk using Bank Z-Score~ and Modifie~d Altman Z- Score~. The~ re~sults show a unique~ phe~nome~non in the~ bank's fundame~ntals: although profitability ratios (ROA) e~xpe~rie~nce~d ne~gative~ pre~ssure~ due~ to digital infrastructure~ inve~stme~nt costs, the~ bank de~monstrate~d supe~rior solve~ncy re~silie~nce~ with a ve~ry high Capital Ade~quacy Ratio (CAR) and a maintaine~d low risk profile~ (NPF). DE~A analysis re~ve~als the~ succe~ss of ope~rational transformation, whe~re~ the~ bank manage~d to le~ap from structural ine~fficie~ncy in 2021 (score~ 0.23) to pe~rfe~ct te~chnical e~fficie~ncy (score~ 1.00) consiste~ntly in the~ 2022–2024 pe~riod through partne~rship e~cosyste~m optimization. Furthe~rmore~, stability indicators confirm that the~ bank is in the~ \"Safe~ Zone~\" with minimal insolve~ncy risk. This study conclude~s that accounting losse~s in the~ e~arly phase~ of digital banks do not re~fle~ct ope~rational failure~, but rathe~r strate~gic inve~stme~nts that have~ be~e~n compe~nsate~d by te~chnical e~fficie~ncy and a robust capital structure~.","PeriodicalId":31620,"journal":{"name":"Ijtihad Jurnal Wacana Hukum Islam dan Kemanusiaan","volume":"19 2","pages":"475-498"},"PeriodicalIF":0.0,"publicationDate":"2026-01-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://ejournal.unida.gontor.ac.id/index.php/ijtihad/article/download/15705/12790","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"147921153","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Imam Mustofa, Muhammad Iqbal Juliansyahzen, Wildani Hefni
{"title":"Hijrah and changing religious preferences in contemporary Islamic legal practice","authors":"Imam Mustofa, Muhammad Iqbal Juliansyahzen, Wildani Hefni","doi":"10.18326/ijtihad.v23i1.115-138","DOIUrl":"https://doi.org/10.18326/ijtihad.v23i1.115-138","url":null,"abstract":"This research examines how urban Muslim communities in Purwokerto understand and practice religion in the area of muamalah (social relationships between people). Religious practice in urban Muslim communities is different from other religious communities. The intersection between the reality of modernity, Islamicity, and identity provides a model for distinguishing contemporary Muslim religious practices. This study is based on field research employing a phenomenological approach. Participatory observation was used to collect data from two mosques in Purwokerto City: the General Soedirman Grand Mosque and the Gelora Indah Mosque. Both mosques serve as the hub of religious discourse for Purwokerto's urban Muslim community, and they host a variety of religious studies on a regular basis. In-depth interviews were performed with worshippers from the two mosques by the researchers. Secondary data is derived from studies, journals, books, and other sources. This article concludes that urban Muslim identity is manifested in the shift away from usury practices and the choice of halal products. Studies in urban mosques and social media cannot isolate the rhetoric from the social formation of urban Muslims. In this environment, hijrah (shifting paradigm) has emerged as one of the trends that give rise to new nuances and views of any Islamic legal concept that is an annotated version of older works. Because of these shifts in preferences, the discipline of Islamic law, particularly fiqh muamalah, has become one of the most important areas for the expression of religious experience in the lives of urban Muslims","PeriodicalId":31620,"journal":{"name":"Ijtihad Jurnal Wacana Hukum Islam dan Kemanusiaan","volume":"80 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-07-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"75301900","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Zawawi Zawawi, Yulismulianti Yasin, M. Helmy, Ali Ma’yuf, Agus Arwani
{"title":"Waqf and sustainable development law: models of waqf institutions in the Kingdom of Saudi Arabia and Indonesia","authors":"Zawawi Zawawi, Yulismulianti Yasin, M. Helmy, Ali Ma’yuf, Agus Arwani","doi":"10.18326/ijtihad.v23i1.93-114","DOIUrl":"https://doi.org/10.18326/ijtihad.v23i1.93-114","url":null,"abstract":"This research aims to find out the regional waqf (endowment) and sustainable development models in the Kingdom of Saudi Arabia and Indonesia in terms of their laws, managements and investments. It uses a qualitative approach through observation, documentation and interviews with officials and those in charge of waqf from the Kingdom of Saudi Arabia and Indonesia. The data was then elaborated with expert opinions based on Herman Daly’s sustainable economic theory and John Locke’s theory of ownership and Islamic law theory (hifz al-mãl, himãyah al-bī‘ah and istiṣlãh). This study found that through the waqf system, the waqf institutions in the Kingdom of Saudi Arabia and Indonesia managed to reach certain achievements, namely good education, poverty reduction, hunger alleviation, and decent work. It was found that waqf institutions in the Kingdom of Saudi Arabia carried out various programs in every area of sustainable development, including providing drinking water. Another service included digging wells in areas where they were needed, which we rarely found in Indonesia. The Sustainable Waqf Law contributed to several aspects that could positively impact society and sustainable development in general. The Sustainable Waqf Law could positively impact sustainable social, economic, and environmental development. In addition, the waqf contributed to the United Nations Sustainable Development Goals No. 1, 2, 3, 4, 6, 11, 13 and 16. Finally, it is important to involve various parties, including waqf institutions, government, communities, and other stakeholders, to ensure the sustainability, transparency, and fairness in the management of waqf assets and their utilization in achieving sustainable development goals.","PeriodicalId":31620,"journal":{"name":"Ijtihad Jurnal Wacana Hukum Islam dan Kemanusiaan","volume":"33 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-07-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89464616","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"SOPHOMORE CRISIS AMONG UNIVERSITY STUDENTS IN JAKARTA","authors":"Raffel James Astilla, Budi Sulaeman","doi":"10.11113/jur.kemanusiaan.v21n1.432","DOIUrl":"https://doi.org/10.11113/jur.kemanusiaan.v21n1.432","url":null,"abstract":"The sophomore crisis is one of the five existential crises that can occur in adolescence to young adulthood. This crisis is related to identity issues about the future. This research aims to determine the description of the sophomore crisis among college students in Jakarta. This research is descriptive quantitative research. The sampling technique used is convenience sampling. In this study, there were 51 respondents consisting of 20 males and 31 females who were students with an age range between 18 years and 24 years. Data collection techniques were carried out using measuring instruments compiled by research based on three domains of the Sophomore crisis: commitment to sources of meaning in life, difficulty in choosing a career path, and fear of the need for a safe plan to reach the highest potential. Data analysis in this study used a descriptive statistical approach. The results of this study showed that 27 respondents experienced a sophomore crisis with a high category. Meanwhile, 24 respondents were classified as experiencing a crisis with a low category. This research also showed that male and female respondents have a second-year crisis stage in the same category, which is classified as high. The researcher suggests strengthening the academic guidance process with lecturers, and the department can carry out monitoring activities based on semesters.","PeriodicalId":31620,"journal":{"name":"Ijtihad Jurnal Wacana Hukum Islam dan Kemanusiaan","volume":"50 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80162019","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"LONELINESS AND RELATIONSHIP SATISFACTION AMONG MARRIED COUPLES DURING COVID-19 PANDEMIC: RELATIONSHIP EFFICACY AS A MODERATOR","authors":"Yao Teoh Xi, Aun Tan Soon, Ling Ooh Seow","doi":"10.11113/jur.kemanusiaan.v21n1.436","DOIUrl":"https://doi.org/10.11113/jur.kemanusiaan.v21n1.436","url":null,"abstract":"Background: The significant changes in daily routines of the COVID-19 pandemic have impacted relationship satisfaction among marital couples worldwide. Married couples who experienced loneliness during the COVID-19 pandemic may lead to low relationship satisfaction. However, relationship efficacy could buffer the direct association of loneliness with relationship satisfaction. Objectives: This study aimed to examine the relationship between loneliness and relationship satisfaction among married couples during the COVID-19 pandemic by using relationship efficacy as a moderator. Methodology: 150 married couples participated in the cross-sectional quantitative online survey. The self-administered questionnaires consisted of UCLA 3-item Loneliness Scale, Relationship Assessment Scale and Relationship Efficacy Measure. The present study employed Statistical Package for the Social Sciences (SPSS) software to analyse the data. Results: First, the findings revealed a negative association between loneliness and relationship satisfaction. Second, the moderation effect of relationship efficacy was significant in the association between loneliness andrelationship satisfaction. Conclusion: The results supported the crucial role of relationship efficacy in a marital relationship. Ultimately, relationship efficacy can minimise the negative impact of loneliness on relationship satisfaction. In short, couples believing they can resolve conflict with their partners will likely promote better relationship satisfaction. This study alsopresents several practical and theoretical implications.","PeriodicalId":31620,"journal":{"name":"Ijtihad Jurnal Wacana Hukum Islam dan Kemanusiaan","volume":"40 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"81407210","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"JOB INSECURITY AS A BARRIER TO WORK ENGAGEMENT DURING PANDEMIC COVID-19: WORK-FAMILY INTERFACE AS A MODERATOR","authors":"Ling Ooh Seow, Aun Tan Soon, Yao Teoh Xi","doi":"10.11113/jur.kemanusiaan.v21.443","DOIUrl":"https://doi.org/10.11113/jur.kemanusiaan.v21.443","url":null,"abstract":"The upheaval induced by the COVID-19 pandemic has resulted in job insecurity, which may lead employees to have less engagement with their work. Drawing upon the role stress theory and role enhancement theory, we postulated that the detrimental impact of job security on employee engagement can be further attenuated or strengthened by the employee’s work-family interfaces. This study aimed to investigate the relationship between job insecurity and job engagement during the COVID-19 pandemic. The study further aimed to examine the moderating role of the work-family interface in the relationship between job insecurity and job engagement. Data was obtained from 284 employees in Malaysia via a self-administered questionnaire. Out of the total, 43% were male, whereas 57% were female. The average age of the participants was 38 years old. Three instruments were used in this study, namely the job insecurity scale, job engagement scale, and work-family interface scale (WFIS). The empirical data was analysed using the Statistical Package for the Social Sciences (SPSS) version 28 software. Two main results were found. First, job insecurity negatively affected job engagement (B= -.735, SE= .189, t= -3.895, p<.001). Second, the negative impact of job insecurity on job engagement can be attenuated by the negative work-to-family interface (B= .131, SE= .064, t= 2.041, p=.042), positive work-to-family interface (B= .179, SE= .063, t= 2.829, p=.005), and the positive family-to-work interface ((B= .130, SE= .065, t= 2.003, p=.046). Although the COVID-19 pandemic has been moved to an endemic, employees' job insecurity remains high due to Malaysia's unstable economic and political conditions. Based on the study's findings, we found that effective work-family inferences can minimise the negative impact of job insecurity on job engagement. This paper will provide greater detail on how work-family inferences can attenuate the negative association between job security and employee engagement.","PeriodicalId":31620,"journal":{"name":"Ijtihad Jurnal Wacana Hukum Islam dan Kemanusiaan","volume":"42 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"77261311","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Zahirah Eizzaty Zamri, Junaidah Yusof, Yusma Fariza Yasin, Amalina Ibrahim, S. Panatik, Hua Ang Kean, Norena Abdul Karim Zamri
{"title":"SMARTPHONE ADDICTION AND LONELINESS AMONG STUDENTS","authors":"Zahirah Eizzaty Zamri, Junaidah Yusof, Yusma Fariza Yasin, Amalina Ibrahim, S. Panatik, Hua Ang Kean, Norena Abdul Karim Zamri","doi":"10.11113/jur.kemanusiaan.v21n1.425","DOIUrl":"https://doi.org/10.11113/jur.kemanusiaan.v21n1.425","url":null,"abstract":"Smartphones are becoming necessary in an individual’s daily life, especially when everything is within the palm. Smartphone becomes problematic when there is uncontrolled usage, which could harm various aspects. Loneliness can occur when an individual is alone and even surrounded by people. In order to further explore the correlation between smartphone addiction and loneliness, this study is conducted to identify the association between smartphone addiction and loneliness among undergraduate students in Malaysia. A total of 308 undergraduate students from Universiti Teknologi Malaysia (UTM) were involved in this study. The instruments used were Smartphone Addiction Scale Short Version (SAS-SV) and UCLA Loneliness Scale (Version 3). The results indicate that 60.7% of participants reported having a moderate smartphone addiction, and 42.24% had a moderately high level of loneliness. Pearson’s Correlation results show a significantly weak positive relationship between smartphone addiction and loneliness among undergraduate students. This finding can give insight into smartphone addiction and loneliness, contribute data to future studies, and recommend initiatives to improve undergraduate students’ well-being.","PeriodicalId":31620,"journal":{"name":"Ijtihad Jurnal Wacana Hukum Islam dan Kemanusiaan","volume":"212 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"76910423","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"RELATIONSHIP BETWEEN DISPOSITIONAL MINDFULNESS AND LIFE SATISFACTION AMONG UNDERGRADUATE STUDENTS IN MALAYSIA: COGNITIVE REAPPRAISAL AS THE MEDIATOR","authors":"Z. Lee, Khor Khai Ling","doi":"10.11113/jur.kemanusiaan.v21n1.441","DOIUrl":"https://doi.org/10.11113/jur.kemanusiaan.v21n1.441","url":null,"abstract":"Undergraduate students are facing different challenges and stressors in their life, which may lower their life satisfaction. Dispositional mindfulness has been found to increase life satisfaction, and this relationship might include cognitive process namely cognitive reappraisal. Hence, grounded in Mindfulness-to-Meaning Theory, this study examined cognitive reappraisal as the mediator in the relationship between dispositional mindfulness and life satisfaction among 147 undergraduate students (aged 18-25 years old) who were studying in Malaysia. A non-experimental correlational design was used, where the students were required to fill in three questionnaires through Google Form survey, the results were analysed through hierarchical multiple regression. The results supported all four hypotheses, with significant positive relationships found among dispositional mindfulness, cognitive reappraisal and life satisfaction. Cognitive reappraisal partially mediated the relationship between dispositional mindfulness and life satisfaction. The findings provide valuable information for the experts to devise mindfulness interventions by incorporating cognitive reappraisal strategies, allowing students to use cognitive reappraisal to cope with challenges, improving life satisfaction.","PeriodicalId":31620,"journal":{"name":"Ijtihad Jurnal Wacana Hukum Islam dan Kemanusiaan","volume":"14 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"88540158","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"TRANSLANGUAGING: CO-CONSTRUCTING MEANINGS IN A MULTILINGUAL SETTING","authors":"Samantha Mae Fabellon","doi":"10.11113/jur.kemanusiaan.v21n1.429","DOIUrl":"https://doi.org/10.11113/jur.kemanusiaan.v21n1.429","url":null,"abstract":"Being an expatriate teacher in Brunei made me consider different strategies and techniques in language teaching. This paper attempts to discuss my reflections on the use of translanguaging as a pedagogical tool in a student-centered learning environment with multilingual learners whose native languages are beyond my linguistic repertoire. Translanguaging has gained a lot of attention since its coinage in Southeast Asia, but there appears to be a paucity of this concept in language research specifically in Brunei context. In the same vein, Barr and Tagg’s learning paradigm was used to frame the discussion and expound on how translanguaging as a pedagogy could be a powerful tool in an environment where students are expected to co-construct knowledge with their teacher. In doing so, I posit that translanguaging empowers both teachers and students in constructing meanings however, if the teacher is not in any way familiar of their first language, students’ communicative competence might also be at risk.","PeriodicalId":31620,"journal":{"name":"Ijtihad Jurnal Wacana Hukum Islam dan Kemanusiaan","volume":"27 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"74672882","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Umi Mastura ABD MAJID, Noor Azean Atan, Sanitah Mohd Yusof
{"title":"PEMBENTUKAN KONTINUM PEMIKIRAN VISUAL PELAJAR MENERUSI VISUALISASI HIBRID PEMBELAJARAN SERVIS (V-HIPS)","authors":"Umi Mastura ABD MAJID, Noor Azean Atan, Sanitah Mohd Yusof","doi":"10.11113/jur.kemanusiaan.v21n1.418","DOIUrl":"https://doi.org/10.11113/jur.kemanusiaan.v21n1.418","url":null,"abstract":"Pembelajaran Sains Komputer memerlukan pemikiran logik pelajar serta gambaran jelas implimentasinya dalam keadaan sebenar. Kekurangan aktiviti pembelajaran untuk mempraktiskan teori kepada praktikal sebenar menyebabkan pelajar kurang mampu untuk menggambarkan konsep yang dipelajari kepada situasi sebenar. Maka dalam pembelajaran Sains Komputer perlu memvisualkan konsep pembelajaran kepada keadaan realiti seperti perlaksanaan aktiviti Pembelajaran Servis (PS). Namun dalam situasi endemik pasca covid-19 kini, pelaksanaan aktiviti Pembelajaran Servis ini tidak dapat dilaksanakan sepenuhnya secara bersemuka. Justeru pengintegrasian PS menerusi medium teknologi secara bersama adalah diperlukan dan bersesuaian dengan pelajar merupakan digital natif masa kini. Oleh demikian, pembelajaran servis berbentuk hibrid yang menggunakan bersama medium teknologi merupakan rekabentuk instruksi memberi peluang kepada pelajar untuk mengaplikasi pengetahuan teoritikal kepada praktikal dalam keadaan sebenar. Justeru kajian ini telah mereka bentuk aktiviti pembelajaran Sains Komputer dengan bahan bervisual menerusi laman web hibrid pembelajaran servis dalam menyokong kontinum pemikiran visualisasi pelajar. Seterusnya kesan aktiviti pembelajaran Sains Komputer terhadap aras kontinum pemikiran visualisasi serta tahap kemahiran pelajar dikenalpasti bersama persepsi terhadap hibrid pembelajaran servis.","PeriodicalId":31620,"journal":{"name":"Ijtihad Jurnal Wacana Hukum Islam dan Kemanusiaan","volume":"210 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"73067440","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}