Garuda - Garba Rujukan Digital

INTERNALISASI AKHLAKUL KARIMAH MELALUI KURIKULUM PENDIDIKAN ISLAM DI ERA DIGITAL Pratama, Irja Putra; Isro, Arsan; Nurusshomad, Nurusshomad; Yana, Virda; Purnomo, Eko
Raudhah - Proud To Be Professional مجلد 9 عدد 3 (2024): Raudhah Proud To Be Professionals: Jurnal Tarbiyah Islamiyah - Desember 2024
Publisher : Sekolah Tinggi Agama Islam Raudhatul Ulum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.48094/raudhah.v9i3.791

The development of the digital era presents significant challenges for Islamic education in internalizing the values of akhlakul karimah among Madrasah Tsanawiyah students. Exposure to negative content, low digital literacy, and distractions in learning are significant obstacles to shaping the Islamic character of the younger generation. This study aims to analyze the challenges and formulate innovative strategies for implementing an Islamic education curriculum relevant to the needs of the digital era. Using a library study approach, the study synthesizes theoretical insights from primary and secondary literature through content analysis of recent publications. The results reveal that integrating digital technologies, such as Islamic applications, Islamic value-based e-learning, and interactive media, can support the internalization of akhlakul karimah. Project-based and contextual learning approaches also enhance students’ understanding and practice of Islamic values. Furthermore, collaboration between schools, families, and communities is key to creating an educational environment that shapes students’ Islamic character. The main challenges in implementing these strategies include low digital literacy, limited technological infrastructure, and stakeholder coordination. This study emphasizes the importance of holistic and adaptive strategies in addressing the complexities of the digital era. Through the synergy between technological innovation, active learning, and multi-stakeholder collaboration, Islamic education can effectively shape a generation with akhlakul karimah while remaining responsive to the dynamics of the times.

INTERNALISASI AKHLAKUL KARIMAH MELALUI KURIKULUM PENDIDIKAN ISLAM DI ERA DIGITAL Pratama, Irja Putra; Isro, Arsan; Nurusshomad, Nurusshomad; Yana, Virda; Purnomo, Eko
Raudhah - Proud To Be Professional مجلد 9 عدد 3 (2024): Raudhah Proud To Be Professionals: Jurnal Tarbiyah Islamiyah - Desember 2024
Publisher : Sekolah Tinggi Agama Islam Raudhatul Ulum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.48094/raudhah.v9i3.791

Macroeconomic and Bank-Specific Factors Influencing Cost Efficiency in Islamic Banking: Evidence from Indonesia Purnomo, Rino; Isro, Arsan; Munir, Misbahul; Madqur, Madqur
Syari'ah Economics Vol 9 No 1 (2025): Islamic Economic
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Darussalam (UID) | Islamic University of Darussalam, Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36667/se.v9i1.2225

The dual banking system in Indonesia intensifies competition between conventional and Islamic banks, impacting operational costs and income. From 2015 to 2024, the BOPO (Operational Cost to Operational Income) ratio of Islamic banks fluctuated between 97% and 76%, reflecting inefficiencies influenced by internal and external factors. This study examines the determinants of BOPO in Indonesian Islamic banking using quantitative methods, specifically multiple linear regression analysis of monthly data (2015–2024). The independent variables include bank-specific metrics (Capital Adequacy Ratio/CAR and Return on Assets/ROA) and macroeconomic indicators (BI Rate, inflation, and economic growth). The results indicate that CAR, ROA, BI Rate, and inflation significantly and negatively affect BOPO, suggesting that higher capital adequacy, profitability, and interest rates, along with controlled inflation, improve operational efficiency. Conversely, economic growth shows no significant impact. These findings provide critical insights for Islamic bank managers and policymakers to enhance efficiency through strategic capital allocation, risk management, and macroeconomic stability measures. Keywords: CAR, ROA, BI Rate, Inflation, Economic Growth, and BOPO.

Penerapan Prinsip Ekonomi Islam dalam Bisnis Modern: Ekonomi Islam, Bisnis Modern Purnomo, Rino; Isro, Arsan
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 7 No. 1 (2025): September
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v7i1.119

Penerapan prinsip Ekonomi Islam dalam Bisnis modern menjadi pendekatan yang relevan untuk menjawab tantangan bisnis masa kini. Prinsip-prinsip sepertikeadilan, transparansi, amanah, dan tanggung jawab sosial memberikan dasar yang kokoh untuk menciptakan sistem Bsinis yang etis dan berkelanjutan. Penelitian ini bertujuan untuk mendeskripsikan penerapan prinsip ekonomi islam dalam bisnis Modern. Penelitian ini menggunakan metode studi literatur untuk mengkaji konsep keadilan dalam perspektif ekonomi Islam. Studi literatur merupakan metode penelitian yang digunakan untuk mengumpulkan dan menganalisis berbagai sumber data yang berkaitan dengan topik tertentu. Metode ini melibatkan pengumpulan dan analisis data dari berbagai sumber literatur yang relevan seperti buku, artikel jurnal, dan publikasi lainnya yang membahas tentang keadilan dan ekonomi IslamHasil penelitian menunjukkan bahwa penerapan beberapa prinsip ekonomi Islam dalam dalam bisnis modern atau bisnis era saat ini ini yakni,1. Berusaha untuk menerapkan keadilan dalam segala aspek bisnis yang dilakukan. 2. Berusaha untuk menghindari praktik riba dan mencari alternatif yang sesuai dengan prinsip ekonomi Islam. 3. Berusaha untuk memberikan manfaat kepada masyarakat sekitar dan menjalankan kegiatan bisnis mereka dengan memperhatikan kepentingan sosial dan memperhatikan prinsip keberlanjutan. 4. Berusaha untuk menjaga keseimbangan antara kegiatan bisnis dan kelestarian lingkungan, serta berkontribusi pada pembangunan ekonomi yang berkelanjutan

THE TRANSFORMATION OF ABU YUSUF'S FISCAL PRINCIPLES: FORMULATING INCLUSIVE SHARIA POLICIES FOR ECONOMIC STABILITY AND WELFARE IN DEVELOPING COUNTRIES Isro, Arsan
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 02 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i02.9009

Developing countries face income inequality, limited fiscal space, and low financial inclusion. This condition demands fair, sustainable, and inclusive fiscal policies. This study aims to formulate a contemporary, inclusive Islamic fiscal policy model based on the principles of public finance in Abu Yusuf's thought. In the context of economic challenges in developing countries, such as distribution inequality, fiscal instability, and the limited reach of conventional financial systems, classical Islamic thought is considered to have strategic relevance. This study employs a qualitative approach, incorporating a literature review and conceptual analysis of the work Kitab al-Kharaj, as well as contemporary fiscal policy literature. The results demonstrate that Abu Yusuf's principles, including distributive justice, collection efficiency, and state accountability, can be effectively implemented in the design of Islamic fiscal policy, promoting social inclusion and economic stability. This study presents a conceptual model of fiscal policy grounded in the maqasid sharia, emphasising equity and financial sustainability. These findings contribute to the advancement of Islamic fiscal policy theory and offer normative recommendations for the development of public policy in developing countries.

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