REKONSTRUKSI PERLINDUNGAN KONSUMEN DALAM TRANSAKSI PERBANKAN SYARIAH DI ERA DIGITALISASI FINANSIAL

The digital transformation of the financial services sector, particularly within Sharia banking, has brought about significant changes that reshape transaction patterns, the relationship between consumers and financial institutions, and the legal frameworks that support them. While digitalization promotes efficiency, financial inclusion, and accessibility, it also introduces new vulnerabilities technical, contractual, and related to compliance with Sharia principles that may adversely affect consumers. This conceptual article is based on a literature review of 30 national and international scholarly articles published in the last five years, focusing on consumer protection, digital financial services, and Sharia legal ethical principles. Employing a normative-juridical approach and conceptual analysis, the study explores the intersection of consumer protection regulations, the values of maqāṣid al-sharī‘ah, and emerging legal challenges within the digital financial landscape. The findings indicate a critical need to reconstruct the paradigm of consumer protection in digital Sharia banking. This reconstruction must transcend formal legal approaches by integrating principles of contractual justice, digital transparency, institutional accountability, and adaptive Sharia ethics. Consequently, consumer protection must be designed not only to respond to digital risks but also to prevent them while remaining consistent with the foundational tenets of Islamic law.Transformasi digital dalam sektor jasa keuangan, khususnya perbankan syariah, telah membawa perubahan signifikan yang merekonstruksi pola transaksi, relasi antara nasabah dan lembaga, serta kerangka hukum yang mendasarinya. Digitalisasi memang mendorong efisiensi, inklusi keuangan, dan kemudahan akses, namun di sisi lain juga menimbulkan berbagai kerentanan baik dari aspek teknis, kontraktual, maupun kepatuhan terhadap prinsip-prinsip syariah yang berpotensi merugikan nasabah. Artikel ini merupakan kajian konseptual berbasis studi literatur yang mereview 30 artikel ilmiah nasional dan internasional terbitan lima tahun terakhir yang berkaitan dengan perlindungan nasabah, digitalisasi layanan keuangan, serta prinsip-prinsip hukum dan etika syariah. Dengan menggunakan pendekatan yuridis-normatif dan analisis konseptual, kajian ini mengeksplorasi keterkaitan antara regulasi perlindungan konsumen, nilai-nilai maqāṣid al-sharī‘ah, serta tantangan hukum yang timbul dalam ekosistem keuangan digital. Hasil kajian menunjukkan bahwa rekonstruksi paradigma perlindungan nasabah dalam perbankan syariah digital sangat mendesak untuk dilakukan. Pendekatan perlindungan tersebut tidak hanya berorientasi pada aspek legal formal, tetapi juga mengintegrasikan prinsip keadilan kontraktual, transparansi digital, akuntabilitas lembaga keuangan, serta nilai-nilai etika syariah yang adaptif terhadap perkembangan teknologi. Dengan demikian, perlindungan nasabah harus dirancang secara preventif, responsif, dan tetap konsisten dengan prinsip-prinsip dasar hukum Islam

STRATEGI PENDISTRIBUSIAN ZAKAT PASCA PANDEMI COVID-19 di BASNAZ KAB. POLMAN

The pandemic caused a phenomenon where the economy declined in total which caused the community to be able to survive, with the existence of BAZNAS with the zakat distribution program which is carried out every year it is hoped that it can restore the national economy. This study aims to find out what the zakat distribution strategy is in BAZNAS Kab. Polman after the Covid-19 pandemic and to find out the implementation of the zakat distribution strategy at Baznas Kab. Polman after the Covid-19 pandemic. The type of research used in this research is descriptive qualitative research. The approach used is a phenomenological approach. The results of the study show that the strategy used by Baznas Kab. Polman Dalam is conducting community empowerment, distributing the zakat program, distributing infaq and alms for Covid-19 victims, distributing zakat funds to the medical team, and collaborating with the local government. The implementation of the strategy carried out by Baznas Kab. polman is community empowerment by conducting outreach to the community about zakat, distribution of zakat programs by dividing zakat distribution programs in the form of educational programs, health programs, humanitarian programs, economic programs, and da'wah programs

The Influence of Emotional Intelligence on the Learning Motivation of Akidah Akhlak Students at Madrasah Aliyah Muhammadiyah Padaelo

This study aims to determine the level of emotional intelligence among students at MA Muhammadiyah Padaelo, Tanete Rilau Subdistrict, Barru Regency; the level of learning motivation in Aqidah Akhlak subjects; and the relationship between emotional intelligence and students learning motivation. This research employed a quantitative method with a field research approach, where the researcher directly observed the students. Data analysis techniques included instrument validity and reliability tests.The results of the study revealed that: (1) Emotional intelligence among students at MA Muhammadiyah Padaelo falls into the good category; (2) Students learning motivation is also in the good category based on the questionnaire results; (3) There is a significant relationship between emotional intelligence and learning motivation at a 5% significance level (rxy > Rtabel = 0.320) and a 1% significance level (rxy > Rtabel = 0.413). Therefore, the null hypothesis (H0) is rejected, and the alternative hypothesis (Ha) is accepted. The findings indicate that students learning motivation is influenced by emotional intelligence by 79.32%, while the remaining 20.68% is affected by other factors. Keywords: Emotional Intelligence, Learning Motivation

Ambiguitas Makna dan Ketidaktepatan Leksikal: Analisis Kesalahan Semantik dalam Cerpen "Persahabatan Bagai Rasa"

Kesalahan linguistik adalah penggunaan bahasa yang menyimpang dari aturan linguistik yang berlaku pada bahasa tersebut dan dapat terjadi pada siapa saja. Selama analisis kesalahan, kesalahan linguistik diidentifikasi berdasarkan aturan linguistik yang berlaku. Semantik adalah cabang linguistik yang menangani makna bahasa. Semantik mempelajari simbol dan tanda yang mengekspresikan makna, hubungan satu makna dengan makna lainnya, dan dampaknya pada manusia. Jadi, semantik mencakup kata-kata, perkembangan dan perubahannya. Cerita pendek atau yang biasa disebut novela merupakan sebuah karya yang menggambarkan kisah hidup seorang tokoh dalam suatu latar tertentu (Onainor, 2019)

EFEKTIVITAS DAN EFISIENSI PENGELOLAAN ALOKASI DANA DESA DI DESA AMESSANGANG KECAMATAN LANRISANG KABUPATEN PINRANG

The effectiveness and efficiency of village fund allocation management can be known through the achievement of goals or objectives that have been set previously. Effectiveness and efficiency can be measured if there are results or achievements from various activities or projects that have been carried out. This study aims to determine the level of Effectiveness and Efficiency of Village Fund Allocation Management in Amassangang Village, Lanrisang District, Pinrang Regency. This research uses quantitative research and for data collection using observation and documentation methods and supporting data in the form of Village Fund Allocation (ADD) reports for the last 3 years from 2021-2023. The results showed that the Effectiveness and Efficiency of Village Fund Allocation Management in Amassangang Village, Lanrisang District, Pinrang Regency was considered effective, but inefficient. The effectiveness of the management of village fund allocations is considered effective and is evidenced by the average percentage value of effectiveness of 99.84%. Meanwhile, the efficiency of village fund allocation management is considered inefficient through the average percentage value of efficiency of 100.87%.Efektivitas dan efisiensi pengelolaan alokasi dana desa dapat diketahui melalui pencapaian sasaran atau tujuan yang telah ditetapkan sebelumnya. Efektivitas dan efisiensi dapat diukur jika sudah terdapat hasil atau pencapaian dari berbagai kegiatan atau proyek yang telah dilakukan. Penelitian ini bertujuan untuk mengetahui, tingkat Efektivitas dan Efisiensi Pengelolaan Alokasi Dana Desa Di Desa Amassangang Kecamatan Lanrisang Kabupaten Pinrang. Penelitian ini menggunakan penelitian kuantitatif dan untuk pengumpulan datanya dengan metode observasi dan dokumentası serta data pendukung berupa laporan Alokasi Dana Desa (ADD) selama 3 tahun terakhir dari tahun 2021-2023. Hasil penelitian menunjukkkan Efektivitas dan Efisiensi Pengelolaan Alokasi Dana Desa di Desa Amassangang Kecamatan Lanrisang Kabupaten Pinrang dinilai efektif, namun tidak efisien. Efektivitas pengelolaan alokasi dana desa dinilai efektif dan dibuktikan dengan rata-rata nilai persentase efektivitas sebesar 99,84%. Sedangkan untuk efisiensi pengelolaan alokasi dana desa dinilai tidak efisien melalui nilai rata-rata persentase efisiensi sebesar 100,87%

Optimalisasi Pengelolaan Pantai Lowita

Optimal management of Lowita Beach can increase the flow of tourist visits. Several problems in the development of Lowita Beach tourism. First, waste management is not optimal, second, supporting facilities are inadequate, third, related to the application of sharia principles in the Lowita Beach area. So this study aims to determine the form of management at Lowita Beach which includes planning, implementation, evaluation, and review of sharia tourism towards optimizing management at Lowita Beach. This type of research is descriptive qualitative research that describes the situation at Lowita Beach. The types of primary and secondary data obtained through observation, interviews, documentation studies, and from reading sources. The focus of this study is on optimizing the management of Lowita Beach as a tourist destination in Suppa District, Pinrang Regency, which is reviewed from the perspective of sharia tourism. The results of the study Optimizing the management of Lowita Beach show 1) The planning of Lowita Beach management has planned several things in destination development including: Improving facilities and infrastructure, adding rides, and cleaning the environment. Intended to develop and make improvements in order to increase tourist visits to Lowita Beach. 2) The management of Lowita Beach has implemented various efforts, programs, and policies in developing tourist destinations in Lowita Beach. Namely the construction and development of infrastructure, promotion, improving environmental quality, and developing Human Resources. 3) Evaluation conducted by the Department of Tourism, Youth and Sports of Pinrang Regency. Waste management is a major problem in developing tourist destinations in Lowita Beach. 4) From the review of Sharia Tourism related to the principles of developing sharia tourism in Lowita Beach, it has fulfilled several principles so that Lowita Beach can be used as a tourism with a sharia concept in the future with various improvements, because the development of sharia tourism destinations requires readiness of human resources and requires seriousness and concentration, as well as optimal support from various parties.Pengelolaan Pantai Lowita yang optimal dapat meningkatkan arus kunjungan wisatawan. Beberapa permasalahan dalam pengembangan wisata Pantai Lowita. Pertama pengelolaan sampah yang belum optimal, kedua fasilitas pendukung yang kurang memadai, ketiga terkait penerapan prinsip syariah di kawasan Pantai Lowita. Sehingga penelitian ini bertujuan untuk mengetahui bentuk pengelolaan di Pantai Lowita yang meliputi perencanaan, pelaksanaan, evaluasi, serta tinjauan pariwisata syariah terhadap optimalisasi pengelolaan di Pantai Lowita. Jenis penelitian ini adalah penelitian kualitatif deskriptif yang menggambarkan situasi yang ada di Pantai Lowita. Jenis data primer dan sekunder yang diperoleh melalui observasi, wawancara, studi dokumentasi, serta dari sumber-sumber bacaan. Adapun fokus penelitian ini adalah pada pengoptimalisasian dalam pengelolaan Pantai Lowita sebagai destinasi wisata di Kecamatan Suppa Kabupaten Pinrang, yang ditinjau dari Perspektif pariwisata syariah. Hasil penelitian Optimalisasi pengelolaan Pantai Lowita menunjukkan 1) Perencanaan pengelolaan Pantai Lowita telah merencanakan beberapa hal dalam pengembangan destinasi diantaranya: Perbaikan sarana dan prasarana, penambahan wahana, dan pembersihan lingkungan. Ditujukan untuk mengembangkan dan melakukan perbaikan guna untuk meningkatkan kunjungan wisatawan di Pantai Lowita. 2) Pengelolaan Pantai Lowita telah melaksanakan berbagai upaya, program, serta kebijakan dalam mengembangkan destinasi wisata yang ada di Pantai Lowita. Yaitu pembangunan dan pengembangan infrastruktur, promosi, peningkatan kualitas lingkungan, pengembangan Sumber Daya Manusia. 3) Evaluasi yang dilakukan oleh Dinas Pariwisata Pemuda dan Olahraga Kabupaten Pinrang. Pengelolaan sampah menjadi masalah utama dalam mengembangkan destinasi wisata yang ada di Pantai Lowita. 4) Dari tinjauan Pariwisata Syariah terkait prinsip-prinsip pengembangan wisata syariah di Pantai Lowita telah memenuhi beberapa prinsip sehingga Pantai lowita dapat dijadikan sebagai wisata dengan konsep syariah kedepannya dengan berbagai perbaikan, karena pengembangan destinasi wisata syariah diperlukan kesiapan sumber daya manusia dan memerlukan keseriusan dan konsentrasi, serta dukungan yang optimal dari berbagai pihak

Corporate Liability in Environmental Crimes: A Comparative Study of Indonesian and Islamic Criminal Law

Background: Environmental degradation resulting from corporate and individual actions remains a persistent legal challenge in Indonesia. Despite the existence of regulatory frameworks such as Law No. 32/2009 on Environmental Protection and Management (as amended), enforcement remains weak—particularly in corporate-related crimes, as exemplified by the H₂S gas leak incident in Mandailing Natal.. Purpose: This study investigates criminal liability for environmental crimes from the perspectives of Indonesian positive law and Islamic criminal law.. Methods: Using a normative legal research method supported by comparative and case approaches, the study examines legal texts, jurisprudence, and relevant Islamic legal doctrines within the framework of maqāṣid al-sharī‘ah. Results: Findings suggest that while Indonesian law provides sufficient formal basis for corporate prosecution, its implementation lacks consistency. In contrast, Islamic criminal law, through ta‘zīr principles, offers a moral-ethical framework emphasizing justice, deterrence, and ecological responsibility. Implication: The study highlights the urgency of integrating ethical-legal principles from Islamic jurisprudence into the existing legal system to ensure more equitable environmental justice. Originality: This paper’s novelty lies in its contextual application of maqāṣid-based reasoning to corporate environmental crimesBackground: Environmental degradation resulting from corporate and individual actions remains a persistent legal challenge in Indonesia. Despite the existence of regulatory frameworks such as Law No. 32/2009 on Environmental Protection and Management (as amended), enforcement remains weak—particularly in corporate-related crimes, as exemplified by the H₂S gas leak incident in Mandailing Natal.. Purpose: This study investigates criminal liability for environmental crimes from the perspectives of Indonesian positive law and Islamic criminal law.. Methods: Using a normative legal research method supported by comparative and case approaches, the study examines legal texts, jurisprudence, and relevant Islamic legal doctrines within the framework of maqāṣid al-sharī‘ah. Results: Findings suggest that while Indonesian law provides sufficient formal basis for corporate prosecution, its implementation lacks consistency. In contrast, Islamic criminal law, through ta‘zīr principles, offers a moral-ethical framework emphasizing justice, deterrence, and ecological responsibility. Implication: The study highlights the urgency of integrating ethical-legal principles from Islamic jurisprudence into the existing legal system to ensure more equitable environmental justice. Originality: This paper’s novelty lies in its contextual application of maqāṣid-based reasoning to corporate environmental crimes &nbsp

Justice Beyond Legal Religious Formalism: Moral Perspectives in Law Enforcement Practices

Background:   The relationship between law, justice, and morality remains central in legal philosophy, yet much of the discourse remains normative and detached from real-world enforcement . Purpose:   This study aims to empirically examine how moral frameworks influence the practice of law enforcement, particularly within contexts shaped by Islamic jurisprudence and local socio-cultural norms.. Methods: The research draws on semi-structured interviews with law enforcement officers, analysis of court cases, and ethnographic observation in Indonesian legal settings . Findings: Findings reveal that moral considerations rooted in religious values and communal ethics significantly shape interpretations and enforcement decisions, often mediating tensions between codified state law and local moral expectations. The evidence also shows that while positivist approaches dominate formal structures, natural law reasoning and socio-cultural ethics remain influential in practice. Theoretical and Practical Implications:  The study bridges philosophy of law with empirical socio-legal research, offering insights into how morality operates as a determinant in justice delivery and conflict resolution. Originality/Novelty:  This research contributes by integrating anthropological fiqh with legal philosophy, providing a culturally grounded and empirically validated framework for understanding morality in law enforcement &nbsp

Pengaruh Bahasa Pertama dan Kedua dalam Pembelajaran Bahasa Arab

Background: Bahasa adalah alat yang digunakan manusia sebagai makhluk sosial untuk berkomunikasi dan berinteraksi satu sama lain. Oleh karena itu, pengembangan bahasa merupakan salah satu aspek kognitif yang paling kompleks dalam perkembangan manusia. Penelitian ini akan membahas psikolinguistik, khususnya posisi B1 dan B2 dan peranannya dalam pembelajaran bahasa. Research Objectives: objek dari penelitian ini adalah psikolinguistik yang akan membahas secara khusus terkait pengaruh Bahasa pertama dan kedua  dalam pembelajaran bahasa. Methods: penelitian ini menggunakan pendekatan kajian pustaka. Data diambil dari teori-teori yang berkaitan dengan topik ini, dan teori-teori ini diambil dari jurnal-jurnal dan buku-buku yang membahas topik serupa Conclusions: Bahasa pertama adalah bahasa yang dipelajari atau diterima oleh semua orang sejak kecil, faktor lingkungan dan sosial seperti keluarga, teman, dan orang-orang di sekitar mereka mempengaruhi hal ini. Karena pemahaman yang kuat tentang Bahasa pertama, orang yang mempelajari Bahasa kedua biasanya menggunakan Bahasa pertama secara tidak sadar untuk membantu mereka memahami Bahasa kedu

Maqāṣid Al-syarī‘ah Imam Al-juwayni Dalam Merespons Fenomena Childfree

Fenomena childfree (pilihan untuk tidak memiliki anak) merupakan isu krusial yang memicu banyak perdebatan di kalangan masyarakat. Pernikahan pada umumnya dianggap sebagai ikatan sakral untuk melestarikan keturunan (h}ifz} al-nasl), namun berbagai tantangan dalam menjadi orang tua seperti kesulitan ekonomi, gangguan psikologis, gangguan kesehatan/medis, seringkali menjadi alasan dibalik pilihan childfree. penelitian ini bertujuan untuk menganalisis fenomena childfree melalui lensa Maqa>s}id al-Syari@’ah Imam al-Juwayni. Penelitian ini menggunakan metode studi pustaka (library research) dengan pendekatan normatif-filosofis. Data primer yang digunakan adalah kitab al-Burha>n fi@ Us}u>l al-fiqh karya Imam al-Juwyni dan kitab-kitab klasik yang menyinggung pemikiran maqa>s}id al-syari@’ah beliau. Sementara data sekunder diperoleh dari buku-buku, artikel jurnal, e-book, dokumen, majalah, dan literatur lainnya yang relevan dengan penelitian ini. Hasil penelitian menunjukkan bahwa keputusan childfree dapat dibenarkan dalam konteks h}ifz} al-ma>l (pemeliharaan harta) ketika kondisi finansial berada dalam kesulitan yang parah dan mengarah pada penderitaan maupun kehancuran, sesuai prinsip kemudahan syariat. Namun, ketika pilihan childfree didasari oleh ketakutan akan kemiskinan, maka hal tersebut dianggap bertentangan dengan konsep h}ifz} al-nasl (pemeliharaan keturunan). ketika pilihan tersebut didasari oleh trauma psikologis yang akan merusak jiwa atau risiko kesehatan (medis/genetik) yang mengancam jiwa atau kualitas hidup anak, maka pilihan tersebut dapat dikatakan sebagai upaya dalam memelihara jiwa (h}ifz} al-nafs) dan keturunan (h}ifz} al-nasl). Penelitian diharapkan dapat memperkaya literatur kajian Islam terkait childfree, dengan menggunakan maqa>s}id al-syari@’ah Imam al-Juwayni sebagai pisau analisis yang komprehensif