JURNAL KAJIAN ISLAM MODERN

STUDI FATWA PERBANKAN SYARIAH PADA AKAD MURABAHAH DI ERA KONTEMPORER

Azizah Mursyidah — 2026-06-27

This research aims to conduct a comprehensive study on the implementation of murabahah contracts in Indonesian Sharia banking and their compliance with DSN-MUI Fatwas in the contemporary era. The research methodology employs a qualitative descriptive analysis approach by integrating findings from academic journals and empirical studies published between 2000 and 2026. The results reveal that murabahah dominates the financing portfolio of Indonesian Sharia banking at 70-76%. Three implementation models were identified: Pure Murabahah (5%), Modified Ownership (20%), and Murabahah bil-Wakalah (75%), the latter being the most dominant yet a primary trigger for legal ambiguity and potential disguised riba. The Sharia compliance level shows that 65% of institutions are fully compliant, 25% are partially compliant, and 10% are non-compliant. Critical challenges identified include genuine ownership issues (89% of studies), margin transparency (76%), and overlapping wakalah-murabahah contracts (85%). The study recommends contract standardization, strengthening the role of Sharia Supervisory Boards (DPS), and integrating digital technologies like blockchain to enhance transparency and compliance.
Keywords: Murabahah, DSN-MUI Fatwa, Islamic Banking, Sharia Compliance, Murabahah bil-wakalah.

MODEL MANAJEMEN DISIPLIN PESERTA DIDIK: INTEGRASI PRINSIP USWAH HASANAH DAN TADARRUJ

Fitri Lestari — 2026-06-27

Disiplin memiliki peran mendasar dalam pembentukan karakter peserta didik di lingkungan pendidikan Islam. Akan tetapi, penerapan kedisiplinan di sekolah dan madrasah masih sering dilakukan secara insidental, cenderung menekankan aspek sanksi, serta belum terkelola secara terencana dalam kerangka manajemen pendidikan. Penelitian ini diarahkan untuk merumuskan model manajemen kedisiplinan peserta didik yang berlandaskan hadis, dengan mengintegrasikan prinsip uswah hasanah (keteladanan) dan tadarruj (pembinaan secara bertahap). Penelitian ini menggunakan metode library research dengan pendekatan kualitatif melalui analisis isi dan analisis tematik terhadap hadis-hadis Nabi Saw, literatur pendidikan Islam, kajian pendidikan karakter, serta teori manajemen POAC (Planning, Organizing, Actuating, Controlling). Temuan kajian menunjukkan bahwa nilai keteladanan dan pembinaan bertahap yang terkandung dalam hadis dapat dikonstruksikan sebagai landasan utama dalam manajemen kedisiplinan peserta didik. Integrasi kedua prinsip tersebut ke dalam fungsi-fungsi POAC menghasilkan suatu model manajemen yang tersusun secara sistematis, bersifat operasional, dan mudah diaplikasikan. Dalam model ini, guru diposisikan sebagai pelaksana utama manajemen, sementara peserta didik menjadi subjek pembinaan disiplin. Penelitian ini diharapkan dapat memberikan kontribusi bagi pengembangan manajemen pendidikan Islam yang berlandaskan nilai-nilai profetik serta membuka ruang bagi pengujian empiris pada penelitian selanjutnya.

Kata kunci: manajemen kedisiplinan, pendidikan Islam, hadis, uswah hasanah, tadarruj, POAC.

PENGARUH LITERASI DIGITAL GURU TERHADAP EFEKTIVITAS PEMBELAJARAN DI SMK SWASTA SE-KECAMATAN TENJOLAYA

Nurul — 2026-06-27

This study aims to determine the effect of teachers’ digital literacy on the effectiveness of learning at private vocational high schools (SMK) throughout the Tenjolaya subdistrict of Bogor. In this study, a quantitative research method was used, and the numerical data collected were analyzed using simple regression analysis. This study employs a correlational method with non-test techniques, as it aims to determine the correlation between teachers’ digital literacy and the effectiveness of learning. The data collection technique used in this study is a questionnaire. The questionnaire in this study utilizes a Likert scale with five response options, consisting of both positive and negative statements. Based on the t-test value in the regression results, which is 2.541, and since the t-value (2.541) is greater than the critical t-value of 1.660, there is a positive influence between the teacher digital literacy variable (X) and the learning effectiveness variable (Y).

Keywords Teachers' digital literacy, learning effectiveness.

BUDAYA TAKZIM SANTRI KEPADA KYAI SEBAGAI PENDIDIKAN ADAB: STUDI ETNOGRAFI DI PONDOK PESANTREN NURUL HIDAYAH FIL JABAL BOGOR

Tita Hasanah — 2026-06-27

This study aims to describe and analyze the culture of respect for Kyai among students as a form of adab education at the Nurul Hidayah Fil Jabal Islamic Boarding School in Bogor Regency. The study used a qualitative approach with an ethnographic design to understand the practice of the culture of respect from the perspectives of Islamic boarding school cultural actors. The research informants consisted of a Kyai, a Ustadzah, a senior student, and a new student who were selected purposively. Data were obtained through participant observation, in-depth interviews, and documentation. Data analysis was conducted through the stages of data reduction, categorization, data presentation, and conclusion drawing. The results indicate that the culture of respect is the main foundation of adab education in Islamic boarding schools. The culture of respect is understood as respect for knowledge, teachers, and the educational process in the Islamic tradition. The culture of respect is formed through the process of habituation in daily life at the Islamic boarding school, the exemplary behavior of the Kyai and teachers, and the internalization of the value of respect within the students. Respectful practices such as minding one's speech, bowing when passing teachers, and maintaining one's posture during religious study sessions have developed into a social habit embedded in the lives of students. Research also shows that a culture of reverence plays a crucial role in the development of noble morals, such as humility, discipline, self-control, and respect for others. The research findings confirm that a culture of reverence is not a form of feudal relations, but rather a practice of adab education that shapes the moral and spiritual character of students through habituation, role models, and social experiences within the Islamic boarding school environment.

PERBANDINGAN PENGARUH KEPEMIMPINAN KHARISMATIK DAN TRANSAKSIONAL TERHADAP KINERJA GURU DI MADRASAH ALIYAH DALAM MENDUKUNG PENDIDIKAN BERKUALITAS

Ima Rahmawati — 2026-06-27

This study aims to analyze and compare the effects of charismatic and transactional leadership on teacher performance in private Madrasah Aliyah in Bogor Regency in supporting quality education. The study employed a quantitative approach with an explanatory comparative survey design involving 120 teachers selected through proportional random sampling. Data were collected using a Likert-scale questionnaire and analyzed using Structural Equation Modeling with AMOS. The results show that both leadership styles have a positive and significant effect on teacher performance, with charismatic leadership having a stronger influence (β=0.52) than transactional leadership (β=0.34). The model meets goodness-of-fit criteria and demonstrates satisfactory construct validity and reliability. These findings highlight that vision, inspiration, and exemplary behavior are dominant factors in improving teacher performance, while structured mechanisms remain important in maintaining discipline, consistency, and the achievement of organizational goals in a sustainable manner.

MODEL KEPEMIMPINAN KEPALA SEKOLAH BERBASIS HADIS: ANALISIS TEMATIK DAN REKONTRUKSI KONSEPTUAL

Aulia Silmi - — 2026-06-27

ABSTRACT

This study aims to formulate a hadith-based leadership model for school principals through a conceptual synthesis relevant to the challenges of contemporary Islamic education. The study employed a qualitative approach with literature study methods and thematic analysis of hadiths on leadership and education sourced from the books of Sahih al-Bukhari, Sahih Muslim, Sunan Abu Dawud, and Sunan Ibn Majah. The criteria for the selected hadiths were authentic and relevant to leadership and education. Data analysis was carried out through thematic coding and conceptual mapping. Furthermore, data validation was carried out using the triangulation method of interpretation between classical ulama's discourses and contemporary leadership theories. The results show that the Prophet's hadiths contain fundamental leadership values that can be mapped into four main pillars, namely spiritual (piety and trustworthiness), ethical (justice and exemplary behavior), professional (competence and accountability), and social (service and participation). These four pillars are highly relevant to contemporary leadership models such as spiritual leadership, transformational leadership, instructional leadership, and servant leadership. The contribution of this research lies in strengthening the conceptual foundation of Islamic educational leadership based on the Prophet's hadith and offering an applicable framework in the managerial practices of school principals.

Keywords: Islamic educational Leadership, Hadith Studies, School Principal Leadership, Spiritual Leadership

PERAN PSIKOLOGI ORGANISASI DALAM PENGAMBILAN KEPUTUSAN ETIS DI LEMBAGA PENDIDIKAN ISLAM

Ahmad Tontowi Jauhari Tontowi — 2026-06-27

Decision making and the enforcement of ethics in Islamic educational institutions are influenced by psychological dynamics and organizational interactions. This study aims to analyze the role of organizational psychology in decision-making processes and ethical practices at Madrasah Aliyah Daarul Muqimien Tangerang. The research employs a qualitative approach with a case study design. Data were collected through in-depth interviews, participatory observation, and document analysis, and were analyzed using thematic analysis. The findings indicate that participatory decision-making through deliberation, open organizational communication, and exemplary leadership significantly contribute to decision legitimacy and the strengthening of an ethical organizational culture. The integration of organizational psychology principles with Islamic ethical values functions as a mechanism for controlling individual bias and reinforcing collective trust. These findings provide a conceptual contribution to organizational psychology studies within the context of value-based Islamic education management

IMPLEMENTASI KOMUNIKASI EFEKTIF DALAM ORGANISASI PENDIDIKAN ISLAM: ANALISIS PSIKOLOGI ORGANISASI TERHADAP HUBUNGAN GURU DAN PIMPINAN DI MADRASAH TSANAWIYAH KIFAYATUL AKHYAR BANDUNG

l luqman — 2026-06-27

This qualitative case study analyzes the implementation of effective communication between teachers and leaders at MTs Kifayatul Akhyar Bandung through the lens of organizational psychology. The study reveals that communication effectiveness depends not only on technical aspects, but primarily on the synergy between psychological principles and internalized Islamic values within the organizational culture. The findings indicate that communication which fulfills teachers' psychological needs through the application of organizational justice, the provision of psychological safety in syura (consultation) forums, and the delivery of developmental feedback with courtesy (adab al-nasihah) organically integrates with Islamic communication ethics such as shiddiq (truthfulness) and rahmah (compassion). This synergy is mediated by a leadership style that combines transformational, servant, and spiritual aspects, thereby giving rise to an adaptive, multidirectional communication pattern. This pattern ultimately creates a healthy organizational climate, characterized by high levels of trust, social cohesion, and openness, which serves as a solid foundation for managing conflict constructively and implementing change participatively. The study concludes that a holistic communication model integrating functional effectiveness, psychological well-being, and spiritual significance is key to the success of Islamic educational organizations in achieving academic goals and building a productive work environment imbued with blessing (barakah).

INTEGRASI NILAI AMANAH DALAM TATA KELOLA PENDIDIKAN ISLAM PERSPEKTIFAL-QURAN DAN HADIS

Raudhaturrahima Rahima — 2026-06-27

The lack of application of Islamic values, especially amanah (trust), in Islamic education governance has led to weak accountability, integrity, and suboptimal quality of education in the midst of modern challenges such as technology and social change. This research aims to examine the concept of mandate from the Qur'an and Hadith and their integration to improve the governance of Islamic education. This research uses a qualitative descriptive method based on library research, data is analyzed from tafsir (Ibn Katsir, Fathul Bari), authentic hadiths, and current studies through identification, classification, and thematic synthesis. The results of the study show that the integration of trust significantly improves transparency, accountability, and holistic student development (cognitive, affective, spiritual), preventing corruption and nepotism while being in line with the principles of good governance. It provides practical recommendations for policymakers and educators to reform Indonesia's Islamic education through competency-based leadership and ethical management, creating high-quality responsive institutions

TRANSFORMASI DAN IMPLEMENTASI PRODUK PEMBIAYAAN NON BAGI HASIL DALAM PERBANKAN SYARIAH DI INDONESIA: STUDI SYSTEMATIC LITERATURE REVIEW ATAS AKAD HAWALAH, RAHN, DAN QARD

Azifah Hidayati — 2026-06-27

This article presents the results of a Systematic Literature Review (SLR) to analyze the transformation, implementation, challenges, and opportunities of non-profit-loss sharing financing products in Islamic banking in Indonesia, with a specific focus on ḥawālah, rahn, and qard contracts. This study aims to explore the evolving dynamics of non-profit-loss sharing financing instruments, examine their compliance with Sharia principles, and identify structural as well as operational challenges in their implementation within Islamic financial institutions.

This research employs a qualitative SLR approach by reviewing scholarly publications from 2019 - 2024, sourced from reputable databases such as Scopus, ScienceDirect, and Google Scholar. Using the PRISMA protocol, a total of N = 20 relevant articles were systematically selected and analyzed, revealing a significant growth of approximately 65% in publications since 2021, indicating increasing academic attention to non-profit-loss sharing financing.

The key findings indicate a significant shift from social-oriented (tabarru’) functions toward commercial (tijarah) orientations, particularly in the implementation of rahn. Meanwhile, ḥawālah remains underutilized despite its potential role in liquidity management and debt restructuring. On the other hand, qard continues to play a crucial role in promoting financial inclusion, although it faces sustainability constraints in terms of funding sources.

However, the study also identifies major challenges, including a trade-off between Sharia compliance, operational efficiency, and financial sustainability, as well as weak integration of risk management and Sharia-based governance frameworks. The effectiveness of these financing products heavily depends on strengthening Sharia governance, enhancing product innovation, and improving Islamic financial literacy among the public.

The main contribution of this study lies in emphasizing that the development of non-profit-loss sharing financing products requires an integrative approach grounded in maqāṣid al-sharī‘ah, ensuring that financial practices are not only profit-oriented but also aligned with broader socio-economic welfare and justice objectives.