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Musdalifah Musdalifah; Karim, Abdul; Saud, Chaerul Fadlan

Jurnal Pengabdian Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

Academic writing skills are one of the essential aspects of developing students’ academic literacy from the beginning of their university studies. However, most first-year students in the 2025 academic year in the English Department, Faculty of Languages and Literature, Universitas Negeri Makassar, still face difficulties in understanding the structure, language, and ethic of academic writing. This community service aims to improve the academic literacy skills of first-year students through a comprehensive and practical academic writing training program. The implementation methods included several stages, namely pre-test, material presentation, writing exercise, and post-test. The Training materials covered the structure of scientific papers, the use of academic language, paraphrasing techniques, citation ethics, and reference management using reference manager tools. The participants consisted of 40 first-year students who took part in a full-day training session. The results showed a significant improvement in all assessment aspects, with the average score increasing from 56.8 in the pre-test to 83.9 in the post-test. The highest improvement was observed in the accuracy of citation and referencing, which increased by 33.2%. These findings indicate that the training effectively enhanced students’ understanding of systematic and ethical principles of academic writing. Therefore, this activity contributes to strengthening the academic culture and preparing students for academic writing during their studies.

Musdalifah Musdalifah; Karim, Abdul; Saud, Chaerul Fadlan

Jurnal Pengabdian Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

Academic writing skills are one of the essential aspects of developing students’ academic literacy from the beginning of their university studies. However, most first-year students in the 2025 academic year in the English Department, Faculty of Languages and Literature, Universitas Negeri Makassar, still face difficulties in understanding the structure, language, and ethic of academic writing. This community service aims to improve the academic literacy skills of first-year students through a comprehensive and practical academic writing training program. The implementation methods included several stages, namely pre-test, material presentation, writing exercise, and post-test. The Training materials covered the structure of scientific papers, the use of academic language, paraphrasing techniques, citation ethics, and reference management using reference manager tools. The participants consisted of 40 first-year students who took part in a full-day training session. The results showed a significant improvement in all assessment aspects, with the average score increasing from 56.8 in the pre-test to 83.9 in the post-test. The highest improvement was observed in the accuracy of citation and referencing, which increased by 33.2%. These findings indicate that the training effectively enhanced students’ understanding of systematic and ethical principles of academic writing. Therefore, this activity contributes to strengthening the academic culture and preparing students for academic writing during their studies.

Lidiya Yati Sofiana; Lilita Efquany; Ersa Nur Khasanah; Naisyla Rahmadiah; Azriel Restu Fajar +1 more

WISSEN : Jurnal Ilmu Sosial dan Humaniora 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

The formation of women’s morality is a complex process involving the interaction between cognitive and affective dimensions in human psychological development. Lawrence Kohlberg’s theory emphasizes that morality develops through logical stages of reasoning oriented toward universal principles of justice, while Martin L. Hoffman highlights empathy as the affective foundation driving moral behavior. This study aims to integrate these two theories to provide a comprehensive understanding of women’s moral formation through a qualitative-analytical library research approach. The analysis examines the assumptions, strengths, and limitations of each theory to identify the convergence between cognitive morality and affective empathy. The findings reveal that justice and care are complementary aspects of human morality. Empathy serves as the emotional engine motivating moral actions, whereas cognitive reasoning provides direction and justification. Mature women’s morality is not solely based on care or empathy but represents a dynamic synthesis between rational thought and emotional understanding. This integration reflects a more holistic and contextual view of morality grounded in social relationships and human connectedness. Practically, this study recommends a moral education model that integrates rationality and empathy as the foundation for developing women’s character. Such an approach is essential to foster a generation capable of discerning right from wrong through logic while also possessing deep social awareness and emotional responsibility.

Nur Khalishah; Pipit Puji Astuti; Reza Maulana; Zakiyahtuz Zahra; Ade Hidayat

Jurnal Budi Pekerti Agama Islam 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

This study aims to examine in-depth the cultural, social, and religious values ​​embodied in the traditional Jaipong dance and their relevance to cultural development in Islamic Religious Education (PAI). The approach used was a qualitative study based on literature review with an ethnopedagogical perspective, which views local culture as a source of learning. The results indicate that Jaipong Dance not only possesses aesthetic elements as part of artistic expression, but also contains moral, social, and spiritual values ​​that reflect the character of the Sundanese people. These values ​​include discipline, creativity, cooperation, courtesy, self-confidence, and a spirit of togetherness and nationalism. All of these values ​​align with the principles of Islamic education, which emphasize noble morals, respect for culture, and the development of student character. Therefore, the integration of local arts and culture, such as Jaipong, into Islamic Religious Education (PAI) learning, can enrich educational methods, provide contextual learning, and foster students' love for Islamic values ​​that are more humanistic, inclusive, and applicable in everyday life.

Novita Anggraeni; Muhlis Muhlis; Mujito Mujito

Prosiding Seminar Nasional Ilmu Manajemen Kewirausahaan dan Bisnis 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Halal tourism has continued to grow as a highly attractive segment for Muslim travelers, particularly in the provision of Sharia-compliant accommodation such as Islamic hotels. This study aims to examine consumer perceptions of halal food-and-beverage facilities and Sharia-based operational standards in Islamic hotels across the Greater Jakarta area (Jabodetabek). A descriptive quantitative approach was employed, involving 150 respondents who had stayed in Sharia hotels. Data were collected through closed-ended Likert-scale questionnaires and analyzed using the Weighted Mean Score (WMS) technique to evaluate respondents’ assessments of each indicator. The results indicate that consumer perception of halal food-and-beverage facilities falls into the very high category, with average scores exceeding 4.838. Consumers acknowledged that Sharia hotels maintain halal assurance, hygiene, and food safety through proper processing and the availability of halal certification. Regarding operational aspects, consumer perception is also classified as very good, with an average score of 4.606, particularly for policies prohibiting unmarried couples from sharing a room and banning entertainment deemed inappropriate or immoral. However, the use of Sharia-compliant financial institutions still requires improvement. Overall, the findings affirm that Sharia hotels in Jabodetabek have successfully implemented most Sharia principles, although further enhancement of internal operational practices is needed to achieve more comprehensive Sharia compliance.

Alya Febbyyana Basuki; Irawan Irawan; Sri Astuti

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Presently, several micro, little, and medium firms (MSMEs) encounter more intricate difficulties in financial management, particularly concerning efficient capital planning and allocation.  Numerous business proprietors continue to struggle with the effective management of financial resources due to insufficient financial knowledge regarding principles, a lack of confidence in resource management, an unsupportive financial attitude, or reliance on misconceptions about finance.  This study aims to examine the impact of financial knowledge, financial self-efficacy, and financial attitude on the capital budgeting decisions of micro, small, and medium enterprises (MSMEs) in Bandar Lampung.  This research employs a quantitative methodology with primary data gathered from 401 respondents chosen via purposive sampling.  Prior to the analysis of the data utilizing multiple linear regression with SPSS software, it underwent testing for validity, reliability, and classical assumptions.  The findings indicated that financial knowledge, financial self-efficacy, and financial attitude exerted a positive and significant impact on capital budgeting decisions, both individually and collectively.  The results affirm that the Theory of Planned Behavior is crucial in elucidating how knowledge, beliefs, and attitudes underpin rational, strategic, and sustainable decision-making for micro, small, and medium enterprises (MSMEs).

Mia Kusmiati; Andri Muhamad Nuroni; Hadi Sunyata

International Journal of Management and Digital Sciences 2025 International Forum of Researchers and Lecturers

Purpose– The objective of this research is to develop an integrated operational management model for Smart & Green Villages (SGVs), combining the principles of smart villages and green villages to promote sustainable, inclusive, and adaptive rural development. This research emphasizes operational efficiency, environmental sustainability, digital technology utilization, and community participation as key pillars. Design/Methodology/Approach – A mixed-methods approach was adopted, involving surveys of villages in Indonesia that have begun adopting SGV principles, in-depth interviews with village officials and key stakeholders, and case studies of villages that have successfully implemented smart technologies and environmentally friendly practices. Data triangulation was applied to strengthen the validity of the findings. Findings – The study shows that integrating functional organizational structures, optimizing digital technologies such as the Internet of Things (IoT) and village information systems, and building participatory community mechanisms significantly improve public service delivery, reduce operational costs, enhance environmental management, and strengthen socio-economic well-being. The study also identified new operational variables, including cost-effective innovation, digital local governance, inter-village shared resources, and socio-environmental audits as a multidimensional evaluation tool. Practical implications – These findings provide a practical framework for policymakers, local governments, and community leaders to implement and evaluate SGV. The multidimensional indicators proposed in this study enable continuous monitoring and adaptation of village operations to local conditions and resource constraints. Originality/Value – This study is one of the first to propose a concrete and replicable SGV operational management model by introducing new variables and multidimensional evaluation indicators. It enriches the theoretical discourse on smart and green village integration while offering actionable strategies for sustainable rural governance.

Natia Nurfaza; Cupian Cupian; Donny Hardiawan

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study analyzes the implementation of the murabahah contract in resolving Non-Performing Financing (NPF) for micro-enterprises through collateral auction at the Bank Syariah Indonesia (BSI) Ahmad Yani Branch Office, Area Bandung Raya. The primary objective is to analyze the conformity of the auction process with comprehensive Sharia principles (fiqih muamalah), particularly focusing on the final stage of debt resolution. Employing a qualitative-descriptive method, data was gathered through literature review and direct interviews with personnel from the bank's collection and recovery department. The findings indicate that the NPF resolution procedure is conducted systematically and ethically, beginning with warnings, mediation, and intensive restructuring efforts, such as rescheduling and reconditioning, in line with the spirit of ta'awun and Fatwa DSN MUI No. 48/2005. The auction is only performed as a final, likuidatif resort when the customer is non-cooperative or entirely unable to pay after all 3R attempts have failed. Crucially, the process generally aligns with positive regulations and Sharia provisions, including the transparent process of Muzayyadah through KPKNL. Key aspects of Sharia compliance include the bank's commitment to returning any surplus funds from the collateral sale directly to the customer, thereby avoiding ghulul (fraudulent gain), and the provision of the option to waive the remaining debt for customers deemed genuinely unable to fulfill their obligations, in line with Fatwa DSN MUI No 47/DSN-MUI/II/2005. This research provides practical insights for Islamic financial institutions on balancing effectiveness in debt resolution with the imperative of comprehensive Sharia compliance and ethical transactional justice.

Tiara Nadilah; Rahmawati Rahmawati; Muhammad Aji Santoso; Lenny Marlina; Febriyanti Febriyanti

International Journal of Education and Literature 2025 Lembaga Pengembangan Kinerja Dosen

This study is motivated by the importance of implementing School-Based Management (SBM) as a decentralization strategy in education to enhance management effectiveness and improve the quality of learning in public elementary schools. Many schools still face challenges such as low teacher performance, limited community participation, and weak transparency and accountability in educational management. The purpose of this study is to analyze the implementation of SBM principles in improving teacher performance and the quality of learning at the elementary school level. The research method employed is qualitative with a descriptive approach, based on a literature review drawn from various scholarly journals, books, and official documents relevant to SBM, teacher performance, and learning quality. The results show that SBM plays a crucial role in strengthening school autonomy, increasing stakeholder participation, and fostering transparent and accountable management systems. Through democratic school leadership and a collaborative work culture, SBM enhances teacher professionalism and encourages innovation in the learning process. Therefore, SBM proves to be an effective approach to achieving sustainable improvement in the quality of elementary education.

Jusbaeni Jusbaeni; Umara Hasmarani Rizqiyah; Nahridzah Mahjubuh Shiber; Husnirrahman J; Syahrul Syahrul

Jurnal Pengabdian Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

The development of digital technologyhas had a significant impact on education and the creative economy. The ability to processvisual designs has become an important skill for the younger generation to face thechallenges of the digital age. This community service activity aims toimprove students' digital design skills and creativity throughCanva training as a practical learning medium. The trainingwas conducted at SMAN 22 Gowa, involving six students from grades X and XI.The implementation method used an interactive workshop approach and hands-on practice(learning by doing) that emphasised project-based learning experiences. The results of the activity showed an increase in students' ability to understandthe basic principles of packaging design, apply visual elements appropriately, andproduce creative and communicative design works. This activity also fostered self-confidence,collaborative spirit, and awareness of the importance of digital literacy. Thus, this training successfully contributed positively to thedevelopment of creative skills and the readiness of students to face the world ofentrepreneurship and technology-based creative industries (Bell, 2010; Guo et al.,2020; Supriyadi, 2023; Wicaksono & Indriani, 2022).

Jusbaeni Jusbaeni; Umara Hasmarani Rizqiyah; Nahridzah Mahjubuh Shiber; Husnirrahman J; Syahrul Syahrul

Jurnal Pengabdian Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

The development of digital technologyhas had a significant impact on education and the creative economy. The ability to processvisual designs has become an important skill for the younger generation to face thechallenges of the digital age. This community service activity aims toimprove students' digital design skills and creativity throughCanva training as a practical learning medium. The trainingwas conducted at SMAN 22 Gowa, involving six students from grades X and XI.The implementation method used an interactive workshop approach and hands-on practice(learning by doing) that emphasised project-based learning experiences. The results of the activity showed an increase in students' ability to understandthe basic principles of packaging design, apply visual elements appropriately, andproduce creative and communicative design works. This activity also fostered self-confidence,collaborative spirit, and awareness of the importance of digital literacy. Thus, this training successfully contributed positively to thedevelopment of creative skills and the readiness of students to face the world ofentrepreneurship and technology-based creative industries (Bell, 2010; Guo et al.,2020; Supriyadi, 2023; Wicaksono & Indriani, 2022).

Uswatun Nur Auliya; Raihani Khairunissa Barni; Ayu Maulani; Luninda Hamidah Pasya; Muhammad Khoirul Anwar

Jurnal Hukum, Pendidikan dan Sosial Humaniora 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Bureaucratic reform is an essential step in realizing a clean, accountable, professional, and transparent government. The 2020–2024 Bureaucratic Reform Road Map has emphasized the Ministry of Administrative and Bureaucratic Reform’s (Kementerian PANRB) efforts to establish a healthy bureaucracy through the strengthening of the merit system, performance management, and service digitalization. As providers of public services, Civil Servants (ASN) play a crucial role in ensuring professional public service delivery; therefore, an organized performance management system is required to achieve optimal bureaucratic reform. However, in practice, the performance management implemented by the Ministry still faces challenges, particularly concerning non-ASN personnel. This study aims to analyze the implementation of performance management in the process of structuring non-ASN personnel by the Ministry of PANRB as part of the national bureaucratic reform agenda. The research employs a qualitative approach with descriptive analysis based on literature review, legislation, and secondary data from official sources. The findings indicate that the policy of structuring non-ASN personnel, grounded in the principles of the merit system and performance management, has brought significant changes to human resource governance within government institutions. Nevertheless, its implementation still encounters challenges such as limited budget allocation, lack of integrated performance data, and uncertainty regarding the employment status and welfare of non-ASN employees. The digitalization efforts through the e-Kinerja system and national personnel data collection serve as strategic steps to enhance transparency and accountability in performance assessment. Thus, comprehensive performance management is expected to promote professionalism among public servants, improve organizational effectiveness, and realize an adaptive and integrity-based bureaucracy.

Thersiani Bheka; Intansakti Pius X

Tri Tunggal: Jurnal Pendidikan Kristen dan Katolik 2025 Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

This article responds to the challenge of contextualizing Laudato Si's teachings on integral ecology in the Indonesian Catholic Church. This study examines the concept of "Mother Earth" as a symbol of local wisdom that has the potential to be used as a theological foundation in the inculturation process. Through textual analysis and theological-contextual reflection, this qualitative research explores the meaning of "Mother Earth" as the personification of the earth and dialogues it critically with integral ecological principles. The results of the study show that the values of harmony, mutual cooperation, and respect in the concept of "Mother Earth" have a deep compatibility with the vision of Laudato Si'. This symbol of integration not only strengthens contextual ecological spirituality, but also gives birth to praxis implications in the form of liturgical models, catechesis, and ecologically minded community assistance. In addition, the integration of local values provides space for the people to understand the relationship between humans and nature as a unit that supports each other, not as a relationship of exploitation. This approach opens up opportunities for the formation of ecological consciousness that is rooted in the nation's culture and is in harmony with the teachings of the universal Church. Thus, the inculturation based on "Mother Earth" offers a model to deepen the role of the Church in building a civilization of love in Indonesia and strengthen the collective commitment to environmental sustainability.

Ninin Armianti Natsir; Santy Isma Handikasari; Nurul Fajriani; Ryan Asprimagama; Surez Taruna Pramata +1 more

Federalisme : Jurnal Kajian Hukum dan Ilmu Komunikasi 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Our country is known as a nation that upholds human rights values. This is manifested in the recognition of the right to express opinions, which is specifically regulated in Law Number 9 of 1998 concerning Freedom of Expression in Public. Along with the increasing dynamics of political contestation and polarization in society, the frequency of demonstrations has also escalated. This condition places the professionalism and neutrality of the police force under increasing public scrutiny. The reduction in citizens' freedom to express their aspirations often creates a negative image of the police, particularly due to repressive actions and the use of discretion that is deemed disproportionate. Based on a normative juridical approach, this study aims to analyze the extent to which the state upholds access and protection of freedom of expression in public, as well as examine the application of human rights principles from both national and international legal perspectives in demonstrations

Zuyina Luklukaningsih; Dwi Wahyuni Uningowati

Jurnal Kesehatan dan Kedokteran 2025 Lembaga Pengembangan Kinerja Dosen

This study aimed to determine the effectiveness of a Mindfulness -based psychotherapy intervention in reducing academic stress levels experienced by college students. The study used a pretest–posttest design without a control group, involving 10 active college students purposively selected based on moderate to high levels of academic stress. The intervention was implemented over two days and included reflective exercises and guided experiences focused on the application of the seven Mindfulness  principles according to Kabat-Zinn (2015): non-judgment using personal standards, patience, a beginner's mind, trust, effortlessness, acceptance, and letting go. Data were collected using an academic stress scale that measures four aspects: coursework pressure, demands for satisfactory grades, time management for studying, and social support. Data were analyzed quantitatively using a paired-samples t-test. The results showed a significant decrease in academic stress levels from an average score of 73.1 to 58.5, indicating that this intervention was effective in helping students manage academic stress more consciously, calmly, and adaptively. This condition suggests that psychotherapy intervention through Mindfulness  training can be a strategy to support students' psychological well-being in academic environments. Keywords: Mindfulness , academic stress, psychotrophic intervention, students

F X Sarwadi; Wiwik Yulianti; Henry Yustanto; Bakdal Ginanjar; Chattri Sigit Widyastuti

Jurnal Pengabdian dan Kesejahteraan Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

Language plays a crucial role not only as a means of communication but also as a reflection of the values and character of society. In the context of youth mosque da'wah, the use of polite language is crucial because it influences the effectiveness of conveying religious messages and shaping the morals of listeners. This study aims to examine the application of the principles of polite language in youth mosque da'wah in Karanganyar Regency and efforts to improve it through training activities. The method used was a qualitative approach with observation techniques, semi-structured interviews, and documentation. Data analysis was carried out in three stages: data reduction, data presentation, and drawing conclusions interactively. The results of the activity showed a significant increase in the participants' understanding and practice of polite language after attending the training. Based on the questionnaire results, participants' post-test scores increased compared to the pre-test, indicating the effectiveness of the training in strengthening their understanding of the concept of polite speech. Furthermore, observations of da'wah practices showed positive changes in the use of more polite, structured, and empathetic language. This activity not only improved participants' communication skills but also raised awareness of the importance of language ethics in da'wah. Thus, this language politeness training contributes to the character development of mosque youth, helping them become moral, communicative, and civilized young preachers. It is hoped that similar activities can be developed to a more advanced level in the future to strengthen the application of politeness in religious communication among youth.

Farchan Hamdani; R. Fahrurrozi Nur Ansori

Jurnal Pengabdian Masyarakat Terapan 2025 Lembaga Pengembangan Kinerja Dosen

Non-litigation legal assistance in land dispute resolution is carried out by the Ansor Legal Aid Institute (LBH Ansor). This assistance is crucial considering the complexity of land law and the high demand of the community, especially vulnerable groups, for access to fast, efficient, and low-cost conflict resolution. This research is driven by the low public understanding of non-litigation mechanisms and the challenges in realizing proportional access to justice. The main objective is to comprehensively document the assistance procedures and identify the applied advocacy model. This research method uses a normative legal approach with a statute approach and a conceptual approach. The results of this study describe that LBH Ansor plays a strategic role as a mediator and legal facilitator, which includes initial case assessment, preparation of a mediation framework, and assistance in negotiations between the disputing parties. The main findings show that LBH Ansor's non-litigation assistance practices have successfully increased the effectiveness of land dispute resolution by prioritizing the principles of restorative justice and peace agreements, while also providing a replicable model for increasing access to justice outside the courts.

Agustinus Abraham

Damai : Jurnal Pendidikan Agama Kristen dan Filsafat 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Love plays a central role in Christian moral theology as the fundamental principle guiding human moral decisions and actions. This study aims to examine the meaning, concept, and role of love in moral theology, as well as its practical application in Christian life. Employing a qualitative method with a literature review approach, this research explores theological perspectives, Scriptural foundations, and the moral implications of love within the Christian tradition. The findings show that moral theology is inseparable from the nature of God as Love, and that love is not merely an emotion but a deliberate moral act oriented toward the good of others. Christian love, understood as agape, represents the highest form of selfless and sacrificial love and becomes the normative basis for moral judgment. Love gives meaning and value to human moral actions, shapes ethical principles, and directs believers to live according to God’s will. In moral practice, love enables Christians to act justly, uphold human dignity, and build harmonious relationships with God, others, society, and creation. The study implies the need for strengthening love-based moral formation within the Church and society, especially amid modern challenges and the growing distortion of love among young people. Future research is recommended to expand on interdisciplinary studies and contextual applications of love in various socio-cultural and religious settings.

Rahmadita Karunia; Risyda Tazkiyatun Nufus; Tiara Anggita Sari; Hawwa Syifa Azzahra; Aulia Rahma Putri Ananda Realita Islami +3 more

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This material provides an in-depth overview of the fundamental distinctions between Islamic banks and conventional banks, covering their underlying principles, contract types, operational mechanisms, legal frameworks, and organizational structures. Islamic banks operate based on Islamic values derived from the Qur’an, Hadith, and the rulings of the National Sharia Council (DSN-MUI), emphasizing strict prohibitions on riba, gharar, and maysir. Contracts such as wadiah, mudharabah, musyarakah, murabahah, ijarah, salam, and istishna’ are applied to promote fairness and profit-sharing. In contrast, conventional banks rely on positive law and interest-based systems as their primary source of income. Legally, Islamic banks are supervised by the Sharia Supervisory Board (DPS) to ensure compliance with sharia principles, while conventional banks adhere solely to general financial regulations set by authorities like the Financial Services Authority (OJK) and Bank Indonesia. The operations of Islamic banks include fund mobilization, financing, and financial services without the use of interest, whereas conventional banks earn revenue from the interest spread between deposits and loans. Although both bank types share a similar organizational structure, Islamic banks incorporate an additional layer of sharia oversight. Overall, Islamic banks aim to balance profitability with ethical and spiritual values (falah), while conventional banks primarily focus on maximizing financial returns. This material highlights Islamic banking as an ethical alternative within modern financial practices, promoting justice, sustainability, and broader economic well-being.

Derendra Uziel Sachio; Muhammad Ibrahim; Nabiilah Afraa Naa’ilah; Raffly tama Haqqin; Siti Nur Adni +2 more

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study examines in depth the concepts of maysir, gharar, and riba as three practices that are prohibited in sharia economics because they are considered to cause injustice and imbalance in economic activities. Through an analysis of the postulates of the Qur'an and Hadith, this study confirms that the prohibition of maysir is based on the element of excessive speculation that harms one of the parties, gharar is rejected because it contains ambiguity in the object and contract, while riba is prohibited because it creates an unequal addition in financial transactions. In addition, the study highlights how other religions and various modern economic systems have paid attention to the principles that are in line with the prohibition of these three concepts, especially related to business ethics, social justice, and economic risk mitigation. A cross-faith perspective shows that universal values such as honesty, transparency, and balance are essential foundations for building a sustainable economic order. By combining normative perspectives and cross-tradition comparisons, this study seeks to provide a comprehensive understanding of the dangers of maysir, gharar, and usury, as well as the implications of the implementation of their prohibition in modern economic life. The results of the study are expected to be a reference in formulating economic practices that are fair, stable, and able to be widely applied in various communities.