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Muhammad Khairul Amri; Nikeng Putra Jaya

Al-Tarbiyah: Jurnal Ilmu Pendidikan Islam 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This article examines the role of social sciences in constructing the narrative of Islamic moderation amid the rising trend of social polarization in contemporary society. Polarization, triggered by political dynamics, identity conflicts, and the rapid growth of digital media, has led to social fragmentation that threatens communal cohesion. In this context, social sciences play a significant role as analytical tools to understand the dynamics of conflict, identity construction, and power relations underlying such tensions. Employing a qualitative approach through library research, this study explores recent literature on Islamic moderation and social sciences. The findings reveal that Islamic moderation rooted in the values of tawassuth (middle path), tasamuh (tolerance), i’tidal (justice), and musawah (equality) can be enriched through theoretical frameworks from the social sciences, making it more relevant in addressing contemporary issues. The integration of both perspectives allows Islamic moderation to be understood not merely as a normative slogan, but as a social praxis that strengthens inclusivity, tolerance, and justice within the public sphere. This study underscores the importance of an interdisciplinary approach to reduce social polarization and to consolidate Islamic moderation as a foundation for peaceful religious and national life.

Elba Pranata Barus; Boby Andika Sinaga

jurnal Riset Rumpun Agama dan Filsafat 2025 Pusat Riset dan Inovasi Nasional

Indonesia, as a pluralistic nation, faces serious challenges related to religious radicalism, often triggered by a literal understanding of sacred texts, including the Great Commission in Matthew 28:16–20. This study emphasizes the need for reinterpretation of this text, not as a mandate for Christianization, but as a call to disciple others in the spirit of love and tolerance. The research method used is qualitative with a literature review, offering novelty through a contextual reinterpretation approach, different from previous studies that tended to be textual. This approach seeks to understand the text within the social and cultural context of pluralistic Indonesia, emphasizing values such as love, respect for pluralism, and honoring religious diversity. The findings show that this reinterpretation aligns with the values of Pancasila and can contribute to preventing the seeds of radicalism while strengthening interfaith harmony. By promoting inclusivity and peace, Christian mission can be a positive force in maintaining religious harmony in Indonesia. In conclusion, the Christian mission must shift from an exclusive paradigm focused on aggressive proselytization to a theocentric paradigm that embraces pluralism and promotes interfaith tolerance, to achieve peace amid the diversity of Indonesian society.

Dies Nurhayati; Muhammad Syarifuddin Ahzab; Ninik Sudarwati

International Journal of Management 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study examines the role of BRICS—an intergovernmental organization consisting of Brazil, Russia, India, China, and South Africa—in fostering global cooperation and contributing to world economic stability. BRICS was founded as a strategic response to the dominance of Western financial institutions such as the International Monetary Fund (IMF) and the World Bank, which have long been criticized for their unequal representation and decision-making processes favoring developed economies. In this context, BRICS provides an alternative financial architecture through the creation of the New Development Bank (NDB) and the Contingent Reserve Arrangement (CRA), both of which serve as instruments to support development financing and ensure financial security for its members. Grounded in the frameworks of constructivism and soft power diplomacy, BRICS emphasizes the principles of equality, mutual respect, sustainable development, and South-South cooperation. These values are reflected in its policies and initiatives that prioritize inclusivity, fair participation, and collective growth, especially for developing nations often marginalized in the global economic order. By representing more than 40% of the world’s population and contributing approximately 23% of global GDP, BRICS demonstrates its capacity to shape the international system and establish a more balanced distribution of power and resources. This research employs a qualitative descriptive approach based on secondary data, which is analyzed narratively to highlight the evolving dynamics of BRICS within the global economy. The findings indicate that BRICS has significant potential to challenge Western economic hegemony, enhance economic solidarity among emerging markets, and provide developing countries with greater opportunities for growth and cooperation. Ultimately, BRICS emerges not only as a counterweight to established global institutions but also as a transformative actor capable of reshaping the trajectory of international economic governance in the future.

Niaty Beladinna; Muamaroh, Muamaroh; Muamaroh, Endang Fauziati

International Journal of Educational Technology and Society 2025 Asosiasi Periset Bahasa Sastra Indonesia

This study investigates teachers’ perceptions, challenges, and institutional support related to the implementation of Differentiated Instruction (DI) in a rural Indonesian secondary school under the context of the Kurikulum Merdeka reform. While DI is widely recognized as a student-centered pedagogical framework that adapts content, process, product, and learning environment to students’ readiness, interests, and learning profiles (Tomlinson, 2017), its application in rural contexts remains underexplored. Employing a qualitative case study design, data were collected from three English teachers and two school stakeholders at MTs N 2 Manggarai Barat through semi-structured interviews, questionnaires, and classroom observations. Thematic analysis revealed that teachers perceived DI as a way to recognize learner diversity and as part of curriculum compliance, but their practices often remained partial and uneven. Stakeholders expressed awareness of DI, though with differing emphases: the headmaster focused on inclusivity, while the curriculum coordinator referred to multiple intelligences and student potential. Teachers faced challenges in three main areas: managing student diversity and curriculum shifts, preparing the Modul Ajar, and addressing students’ limited English vocabulary. Institutional support was evident through facilities, monitoring, and professional development, yet remained largely administrative rather than pedagogical. These findings confirm earlier studies that DI in Indonesia is conceptually valued but practically constrained by systemic, contextual, and linguistic barriers. The study recommends sustained, hands-on professional development, leadership mentoring, and reduced administrative burdens to enable DI’s transformative potential in rural schools.

Muhammad Yusuf Habibie; Kuwatono Kuwatono

Harmoni: Jurnal Ilmu Komunikasi dan Sosial 2025 International Forum of Researchers and Lecturers

The shift in local community communication patterns has driven the adoption of digital media as a primary channel for resident coordination. This study aims to explore the communication strategy of the neighborhood head (RT) in utilizing a WhatsApp group as a platform for coordination and community bonding in Melati Kidul Village RT 02 RW 2, Kudus Regency. The research highlights unique practices, including anti-hoax policies through message moderation, visual innovation in information dissemination, and active citizen participation in online decision-making. A qualitative approach was employed using in-depth interviews and digital message analysis. The findings, analyzed through organizational communication theory, media richness theory, dual coding theory, and adaptive leadership, reveal that local leaders successfully integrate formal and informal communication via participatory digital strategies, thereby enhancing social cohesion and coordination efficiency. In addition, this study demonstrates the effectiveness of using WhatsApp groups to overcome the traditional barriers of communication in rural areas, particularly in increasing public awareness and engagement in local government affairs. The neighborhood head’s proactive approach in utilizing digital platforms has empowered residents to communicate more effectively, share information swiftly, and provide input on local decisions. By fostering an environment of inclusivity and trust, this model contributes significantly to the development of stronger community ties. Furthermore, this research provides valuable insights into how technology can be leveraged to improve community management and leadership practices at the grassroots level. This study ultimately highlights the potential for digital platforms to shape the future of community-driven leadership.

Dwi Pramudita, Vio; Hatmoko , Bima Adi

PATHALOGY Journal 2025 Yayasan Cipta Sarana Budhi

This study investigates the implementation of the Independent Curriculum (Kurikulum Merdeka) for students with intellectual disabilities at SLB Giri Wiyata Dharma Wonogiri, Indonesia. The research aims to describe the processes of curriculum planning, instructional delivery, and evaluation, while identifying factors that support and hinder implementation. A qualitative descriptive design was adopted, utilizing semi-structured interviews, classroom observations, and document analysis. Findings reveal that implementation followed three stages: planning through diagnostic assessments, differentiated instruction tailored to student characteristics, and formative evaluation aligned with learners’ abilities. Teachers employed strategies such as scaffolding, contextualized learning, and performance-based assessment, enabling students to engage meaningfully with abstract concepts. Supporting factors included teacher competence, principal leadership, and parental collaboration, which together created a conducive environment for inclusive learning. Conversely, challenges arose from the heterogeneity of student abilities, insufficient teacher readiness particularly among educators without specialized training and systemic barriers such as limited resources and inadequate support staff. The study concludes that the Independent Curriculum offers significant potential for promoting inclusivity in special education when accompanied by sustainable teacher development, strong school–parent partnerships, and institutional support. These findings contribute to international discussions on inclusive education by emphasizing the need for context-specific strategies that align curriculum design with the lived realities of students and teachers in special schools

Wati, Paska Kurnia

PATHALOGY Journal 2025 Yayasan Cipta Sarana Budhi

This study explores the implementation of cooperative learning in Physical Education, Sports, and Health (PJOK) lessons and its impact on developing social skills among primary school students at SD Kanisius Wonogiri. Using a qualitative descriptive approach, data were gathered through observations, semi-structured interviews, and documentation, focusing on two cooperative models: Team Game Tournament (TGT) and Student Teams Achievement Division (STAD). Findings show that TGT, through structured game rules, ice-breaking activities, ongoing feedback, and post-activity reflections, strengthened teamwork and active engagement. STAD fostered group accountability, peer support, and appreciation of diverse contributions. Across both models, teacher facilitation played a central role by providing scaffolding, modeling collaboration, and resolving group challenges. The use of learning aids and digital tools further enhanced participation and inclusivity. The discussion, grounded in Vygotsky’s social constructivism, highlights how peer interaction within structured group activities supports both cognitive and socio-emotional growth. The study emphasizes the Zone of Proximal Development (ZPD) and scaffolding as mechanisms enabling skill transfer beyond the sports context. In conclusion, integrating TGT and STAD into PJOK effectively cultivates communication, empathy, tolerance, responsibility, and leadership among students. The results underscore the dual function of PE as a platform for physical fitness and socio-emotional learning. Policy and practice should incorporate social skills assessment within PE curricula using holistic and diverse evaluation methods to support well-rounded student development

Pradani, Icha Kintan

PATHALOGY Journal 2025 Yayasan Cipta Sarana Budhi

Animated video-based learning has emerged as an innovative pedagogical strategy for enhancing engagement in early primary education. This study explored the use of animated videos to improve learning motivation, participation, and comprehension among first-grade students at SDN 4 Wonoboyo, Indonesia. Employing a qualitative case study design, data were collected through classroom observations, semi-structured interviews with students and teachers, and document analysis. Findings revealed that animated videos created an interactive and enjoyable classroom environment, significantly improving attentiveness, curiosity, and active participation. Students reported greater motivation and deeper comprehension of abstract concepts such as mathematics and language, facilitated by visual and auditory integration. The role of repetition and independent review proved critical in reinforcing retention and supporting self-regulated learning. Teachers highlighted clear pedagogical benefits, including inclusivity across diverse learning styles, though challenges related to limited resources, training, and potential distractions were noted. This study concludes that animated video-based strategies are effective tools for enhancing early primary education, offering both immediate improvements in engagement and long-term implications for fostering autonomy and motivation in learners. The findings contribute to international scholarship on multimedia learning by providing contextual insights from Indonesian classrooms, emphasizing the importance of resource availability, teacher preparedness, and curricular integration for sustainable implementation

Ahmad Dzakwan; Dwi Kristanto

Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to analyze the impact of generational diversity, organizational culture, and leadership style on employee retention at PT Idea Solusi Indonesia in Tangerang City. This research employs a quantitative approach with descriptive data analysis, correlation, and hypothesis testing using multiple linear regression. The sampling method used is Non-Probability Sampling with a Total Sampling technique, where data is collected through questionnaires using a Likert scale. The collected data is then processed using Microsoft Excel software for further analysis. The results of this study show that the generational diversity variable does not have a significant impact on employee retention. Despite differences in age and background among employees, these factors do not significantly affect their decision to stay with the company. On the other hand, organizational culture and leadership style have a significant influence on employee retention. An inclusive organizational culture that supports teamwork, open communication, and recognition of individual contributions has been shown to improve employee satisfaction and loyalty. Additionally, a leadership style that supports individual development, provides support, and focuses on employee empowerment helps strengthen employee commitment to remain with the company. This study offers important managerial implications for PT Idea Solusi Indonesia in formulating policies to improve employee retention. The company needs to strengthen an organizational culture that promotes well-being and inclusivity, while also enhancing leadership styles that motivate and empower employees. By implementing these measures, the company can create a more conducive work environment that not only encourages loyalty but also boosts employee motivation and productivity in the long run. This is expected to improve the overall performance of the company and ensure more stable operational continuity.

Anggi Dwi Cahyani; M. Badru Salam; Unis Fitriani; Nuhiyah Nuhiyah

Pajak dan Manajemen Keuangan 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to explore the implementation of unity-based marketing management in enhancing consumer loyalty among university students at the Seblak Bujangan culinary microenterprise. As one of the local SMEs located near Sultan Ageng Tirtayasa University, Seblak Bujangan integrates the value of unity—derived from the Third Principle of Pancasila—into its marketing strategy, not only to attract customers but also to create a social space that strengthens community bonds. The research employs a descriptive qualitative method involving interviews, observations, and documentation to gain a deep understanding of marketing practices and their social implications. Findings reveal that Seblak Bujangan has successfully transformed from a simple food stall into a social hub for students by combining friendly service, a comfortable atmosphere, and creative digital marketing such as Instagram and TikTok promotions. The sense of togetherness and inclusivity fosters strong emotional attachment, leading to customer loyalty manifested through repeat visits and positive word-of-mouth. The study concludes that marketing strategies grounded in social and national values can enhance consumer engagement while contributing to social harmony. This approach provides new insights into value-based marketing for SMEs, showing that economic and social functions can coexist to create sustainable consumer relationships.

Eko Wijayanto; Eny Haryati; Dian Ferriswara

Kajian Administrasi Publik dan ilmu Komunikasi 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

This study examines the strategic role of Koperasi Desa Merah Putih (Red and White Village Cooperative) in accelerating the achievement of the Sustainable Development Goals (SDGs) in Indonesia, using qualitative document analysis as the primary method. Key institutional documents—namely the Articles of Association/Bylaws (AD/ART) and the Village Medium-Term Development Plan (RPJMDes)—were analyzed to identify cooperative values, integration into local development planning, and contributions to specific SDG indicators. Findings reveal that the cooperative’s core principles—voluntary membership, inclusivity, democratic governance, and equitable profit sharing—align strongly with SDG 1 (No Poverty), SDG 5 (Gender Equality), and SDG 8 (Decent Work and Economic Growth). The RPJMDes analysis indicates formal recognition of the cooperative as a driver of economic empowerment, gender equity, and sustainable community development, with potential scalability to other villages and rural areas in Indonesia. Further analysis demonstrates how the cooperative actively promotes women’s participation in leadership roles, supports income-generating activities for marginalized groups, and encourages the localization of economic value chains. These practices foster not only economic inclusion but also enhance community resilience and social cohesion. However, several challenges were identified. These include inconsistent documentation quality, lack of standardized performance metrics, and limited results-based evaluation frameworks that hinder a thorough impact assessment. Additionally, there remains a gap in digitalization, which affects data transparency and accessibility. The study’s novelty lies in its document-based approach, offering a replicable model for assessing SDG readiness in similar rural institutions. Unlike interview-based studies, this method reduces subjective bias and highlights the importance of formal governance structures.

Stanny Terianus Rumaseb; Ulul Albab; Sarwani Sarwani; Sri Kamariyah

Kajian Administrasi Publik dan ilmu Komunikasi 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

This study examines the institutional discourse and administrative practices of the Secretariat of the Regional People’s Representative Council (DPRD) in the newly established province of Southwest Papua, Indonesia. Utilizing a qualitative content analysis approach, the research analyzes a corpus of official documents produced between 2022 and 2025, with particular attention to how the principles of good governance—transparency, accountability, participation, and effectiveness—are reflected and operationalized in a transitional bureaucratic setting. The findings reveal that while procedural transparency and organizational effectiveness are relatively well-articulated in formal documents, mechanisms for accountability and citizen participation remain underdeveloped and largely symbolic. This indicates that the new administrative structures are still in the process of consolidating practices that meaningfully incorporate civic engagement. The study further identifies significant patterns of institutional isomorphism, wherein bureaucratic templates, legal frameworks, and administrative routines from older provincial governments are mimicked and reproduced. Although such imitation provides a sense of stability and legitimacy, it may come at the expense of local relevance and the incorporation of context-specific innovations. In particular, reliance on inherited bureaucratic models risks marginalizing indigenous governance traditions and community-driven practices that could enhance inclusivity and responsiveness. The analysis underscores the performative and symbolic dimensions of governance during periods of institutional formation, highlighting the tension between adopting established administrative norms and fostering context-sensitive practices tailored to the realities of frontier provinces. Methodologically, the study demonstrates the value of document analysis in capturing governance dynamics where field access is limited, politically sensitive, or constrained by security issues. The study concludes by offering practical recommendations: strengthening participatory frameworks to ensure more substantive public involvement, integrating indigenous governance values to enhance legitimacy, and designing flexible policy models that can adapt to the unique sociopolitical challenges of Southwest Papua. In doing so, the research contributes both to the broader scholarship on governance in post-conflict and frontier regions and to the practical debates on institutional development in Indonesia’s newest province.

Kustomo Kustomo

International Journal of Educational Sciences and Languages 2025 International Forum of Researchers and Lecturers

This study explores the role of transformational leadership in driving digital innovation and management practices in SMP Negeri 4 Jombang, an Indonesian public junior high school navigating the shift toward digital-based education. The research was motivated by the challenges many schools face in adopting digital technologies, particularly in terms of limited resources, digital literacy, and leadership readiness. The objective of this study is to investigate how school leadership contributes to the successful implementation of digital transformation, focusing on collaboration, inclusivity, and innovation within school management. Using a qualitative approach, the study involved in-depth interviews and observations with the school principal and several teachers as key informants. Data were analyzed thematically to capture leadership strategies, teacher engagement, and institutional responses to technological change. The findings reveal three main insights. First, the principal’s transformational leadership acts as the primary catalyst for digital innovation, inspiring a shared vision, fostering trust, and encouraging a proactive culture among teachers. Second, the implementation of digital management is characterized by collaborative decision-making and teacher inclusivity, ensuring that policies and practices remain contextually relevant and broadly accepted. Third, significant barriers persist, particularly regarding insufficient technological infrastructure, inconsistent internet connectivity, and varying levels of digital literacy among staff, which often limit the pace and scale of digital adoption. These findings suggest that effective digital transformation in education requires not only strong visionary leadership but also collective engagement from teachers and systemic support from educational stakeholders. The study emphasizes the importance of aligning leadership practices with institutional readiness to create sustainable digital change. By offering a practical framework that highlights the interdependence of leadership vision, collaborative practices, and organizational capacity, this research contributes to the growing literature on educational leadership and digital innovation. Furthermore, it provides valuable implications for policymakers and practitioners seeking to strengthen school management practices in the era of digital transformation.

Zul Khaidir Kadir

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2025 Lembaga Pengembangan Kinerja Dosen

Punitive populism is a political-legal phenomenon that replaces legal rationality and corrective justice with a rhetoric of power that negates the protection of human rights and the rehabilitative function of the criminal justice system. In this context, criminal policy tends to be characterized by a repressive approach that prioritizes symbolic punishment for short-term political legitimacy. Social polarization further strengthens the destructive power of punitive populism by making the issue of crime a symbolic instrument in identity conflicts, thereby losing its autonomy and submitting to an emotional, majoritarian logic. This study aims to analyze how punitive populism, as a product of the interaction between populist logic and social polarization, results in the erosion of the basic values of modern law, particularly the principles of proportionality, legal certainty, and human rights protection. Furthermore, this study also identifies structural barriers that hinder efforts to curb its expansion in criminal policy. The study uses qualitative methods with a conceptual approach. Data were obtained through library research of academic literature, legal documents, and policy analysis, then processed using qualitative analysis techniques and presented descriptively. The research findings show that punitive populism has shifted the orientation of criminal policy from a paradigm of justice and rehabilitation to a logic of punishment that is reactive to public emotional distress. The mass media, particularly within a polarized information ecosystem, plays a role in shaping distorted perceptions of crime, thereby reinforcing public demands for harsh and immediate policies. This situation creates legal vulnerability to political instrumentalism, threatens the principle of the rule of law, and deepens social exclusion of vulnerable groups. To address this, strategic steps are needed, including limiting fear-based political rhetoric, strengthening independent legal institutions, and rebuilding a criminal law paradigm based on substantive justice, inclusivity, and respect for human rights.

Stephanus Marselino Tukan; Rex Tiran; Philips Y.N.Ndoda

Mandub: Jurnal Politik, Sosial, Hukum dan Humaniora 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This study explains the POLITICAL COMMUNICATION STRATEGY OF THE CHRISTIAN WIDODO – SERENA FRANCIS PAIR IN THE MAYORAL ELECTION OF KUPANG IN THE 2024 REGIONAL ELECTION. This study aims to determine the political strategy of the Christian Widodo – Serena Francis pair to win the 2024 regional election in Maulafa sub-district. The approach in this study is Qualitative. The results of the study show that the candidate pair for Mayor and Deputy Mayor of Kupang, dr. Christian Widodo and Serena Francis (CS'an), led the vote count in the 2024-2029 Kupang City Regional Head Election (Pilkada). Based on the provisional results of the C1 Plano tabulation recapitulation conducted by the CS-an Center, which was collected from 552 Polling Stations (TPS), this pair won 36.29% of the vote or 68,853 votes, significantly ahead of their closest competitor, Jefri-Adinda, who won 26.4% of the vote or 50,192 votes. CS'an dominated in five of the six sub-districts in Kupang City, namely Kota Lama, Kelapa Lima, Maulafa, and Oebobo. It can be concluded that Christian Widodo and Serena Francis' political strategies show consistency in building narratives that are relevant to the needs of the community, especially in the areas of local economic empowerment and public service reform. They optimize social media and digital communication to reach young voters, strengthen public engagement, and shape their image as adaptive and modern leaders. Both build strategic coalitions with civil society groups and youth organizations that expand their electoral reach, especially in urban and semi-urban areas. Serena Francis specifically raises the issue of women's representation and political inclusivity, which has succeeded in attracting the attention of women and marginalized groups.

M. Almuttaqin; Abdi Sugiarto; Cut Nuraini

International Journal of Mechanical, Electrical and Civil Engineering 2025 Asosiasi Riset Ilmu Teknik Indonesia

Sustainable management of coastal spaces is a major challenge in urban-coastal planning, especially in vulnerable areas such as Medan Belawan. This study aims to identify and analyze the influence of six independent variables on the sustainability of coastal space management. The variables studied included Microecological Inequality, Inclusivity of Coastal Asset Ownership, Adaptive Preparedness to Climate Risks, Inter-Functional Spatial Connectivity, Local Institutional Accountability, and Communal Social Resilience. The method used is a quantitative approach with a multiple linear regression model on primary data obtained through surveys, field observations, and in-depth interviews with 150 respondents.The results showed that five of the six variables had a significant effect on the sustainability of coastal space management. The most dominant variable was Local Institutional Accountability, followed by Asset Inclusivity, Ecological Inequality, Social Resilience, and Adaptive Readiness. Meanwhile, Connectivity between Spatial Functions does not have a significant impact. The regression model shows an R² value of 0.539 which means that 53.9% of the variation in coastal space management can be explained by these six variables.These findings imply the importance of strengthening participatory governance, equitable distribution of space access, and building community's adaptive capacity as a cornerstone for contextual and sustainable coastal spatial planning. Strategic recommendations are directed at institutional reform, community-based planning, and micro-ecological conservation in urban-coastal areas.

Ajirna Ajirna; Bella Silvia; Nurul Astiva Nasution; Waldyansyah Waldyansyah; Husni Kamal

Ekonomi Keuangan Syariah dan Akuntansi Pajak 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze product innovations in the Musyarakah contract applied by Islamic financial institutions in Indonesia. The research uses a qualitative descriptive method with case studies from several Islamic banks. Data were collected through documentation and interviews with practitioners. The study found that innovations in Musyarakah products are largely driven by the need to enhance competitiveness and address the unique demands of the Indonesian market, particularly among micro, small, and medium enterprises (MSMEs)  Several banks have modified the classical Musyarakah structure to align with customer preferences and regulatory standards. For instance, some institutions implement tiered profit-sharing mechanisms, structured financing tenures, and integration with digital banking platforms to improve accessibility and monitoring. In addition, hybrid contracts that combine Musyarakah with other contracts, such as Ijarah or Murabahah, are increasingly used to create more flexible and customer-friendly financing solutions. Practitioners interviewed noted that one of the main challenges in implementing Musyarakah-based products is the higher operational and monitoring cost, due to the nature of partnership-based risk-sharing. However, these challenges are being addressed through technological innovation, such as mobile applications that help track business performance and automate profit-sharing calculations. The study concludes that product innovation in Musyarakah financing can enhance the inclusivity and effectiveness of Islamic banking in Indonesia, especially in supporting entrepreneurial sectors. Nevertheless, standardization, regulatory support, and continued investment in human resource capacity remain critical for sustained innovation. Future research may explore the customer perception of Musyarakah products, the impact of these innovations on financial performance, and comparative studies with conventional financing models.

Nimatu Sholikhah

Jurnal Riset Rumpun Ilmu Pendidikan 2025 Lembaga Pengembangan Kinerja Dosen

This research examines the process of internalizing civic values within the context of multicultural education in Indonesia, which faces complex challenges in forming citizens with strong national identity while appreciating diversity. The study aims to analyze effective models and strategies for internalizing civic values in multicultural educational environments and identify implementation challenges. The research methodology employs a qualitative approach with literature study analyzing relevant academic publications from 2021-2025 through qualitative content analysis techniques. Findings indicate that internalizing civic values in multicultural education requires a holistic approach integrating cognitive, affective, and behavioral dimensions through learning strategies based on local wisdom, modern technology utilization, and transformative pedagogy. Main challenges include lack of stakeholder support, policy implementation gaps, and resistance to learning paradigm changes. The research indicates the need for reconstructing civic education paradigms from indoctrination models toward reflective-contextual learning that emphasizes tolerance, inclusivity, and appreciation for cultural diversity. Research implications emphasize the importance of synergy between educational policies, teachers' roles as transformation agents, and continuous evaluation to realize civic education responsive to the challenges of Indonesia's multicultural society

Rusdi Rusdi; Ika Devi Pramudiana; Ferry Ramadhan; Sri Kamariyah

Jurnal Hukum, Administrasi Publik dan Negara 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

Inclusive village development is a strategic priority in realizing the Sustainable Development Goals (SDGs), with Village-Owned Enterprises ( BUMDes ) as the driving force of the local economy. However, the participation of vulnerable groups—such as people with disabilities , the elderly, women, and the poor—is still limited in BUMDes services . This study aims to evaluate the quality of BUMDes services in Daha Utara District through the SERVQUAL (Service Quality) approach which includes five dimensions: tangibles , reliability , responsiveness , assurance , and empathy . The research method used is descriptive qualitative with a phenomenological approach . Data were collected through semi-structured interviews with three categories of participants: BUMDes managers , vulnerable groups, and community leaders. The results of the study indicate that physical facilities ( tangibles ) are not inclusive, service reliability is disrupted by limited human resources, and the assurance dimension has not been supported by ongoing training. Meanwhile, the responsiveness and empathy dimensions are relatively good interpersonally , but are not yet structured institutionally. The main obstacles identified are the lack of budget, lack of training, and the absence of a formal complaint mechanism. On the other hand, moral support from village managers and figures is a supporting factor for service transformation. This study concludes that improving the quality of inclusive services requires a transformative and participatory approach , including adaptive digitalization and active involvement of vulnerable groups in planning. These findings are expected to be the basis for making fairer and more responsive village development policies.

Ainul Mardiyah; Dira Kaniya; Dwi Putri Lestari

Nian Tana Sikka : Jurnal ilmiah Mahasiswa 2025 Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

The phenomenon of discrimination in group task distribution within higher education remains a social issue that rarely receives serious attention, particularly within the Islamic Guidance and Counseling department. This study aims to identify the forms, causes, and potential solutions to discrimination experienced by students in group work contexts. Employing a descriptive qualitative method, data were collected through interviews with four informants. The findings reveal that discrimination arises due to stereotypes, unequal contributions, personal conflicts, and weak group communication. Proposed solutions include random group assignments, clear initial agreements on task distribution, and individual contribution assessments. These findings underscore the importance of instilling values of justice, inclusivity, and collaborative ethics in higher education learning environments.