International Journal of Multidisciplinary Research of Higher Education (IJMURHICA)

Determinants of Purchasing Decision of Islamic Banking Mortgages Subsidised Among Urban Millennials in Indonesia

Rahmat Dahlan, Nabila Lestari Saadah — Sun, 17 Aug 2025 00:00:00 +0000

The potential of the homeownership credit market among millennials in Indonesia is quite significant, reaching 44% of those who do not own a house. Alternative Sharia subsidised homeownership programs get affordable prices, but the market share of Sharia Bank mortgages is relatively tiny. The study aims to analyse the determining factors for millennial customers to get subsidised Islamic banking mortgages in urban areas. The research was a mixed method with an exploratory sequential design approach. The informant and respondent were domiciled in South Tangerang City, Banten Province of Indonesia. The sampling technique used snowball sampling as informants and purposive sampling with the Lemeshow formula as respondents. Data was collected through interviews with five informants from property developers, academicians, customers and managers of Bank Syariah Indonesia Griya division, questionnaires of 100 respondents as customers of Bank Syariah Indonesia, and literature studies. Descriptive thematic qualitative analysis data used triangulation techniques by Miles and Huberman, while quantitative data used regression and correlation analysis with SPSS technique. The promotional research results were carried out together, determining prices according to economic fluctuations and Bank Syariah Indonesia's brand image with accredited property developers. Multiple regression tests analysed the data. The results of the study show that the Bank Syariah Indonesia brand image is the primary determinant, and the house price is the second determinant of the credit decision of subsidised Griya Bank Syariah Indonesia home ownership. Meanwhile, in Bank Syariah Indonesia's brand image, customers who have home ownership credit are the first to consider a financing institution. Then, the price becomes a factor of consideration, along with special or limited offers, according to the customer's financial ability. The research implies that the better the Bank Syariah Indonesia brand image and house prices are, the more the customer's decision to own an urban millennial subsidised home with Bank Syariah Indonesia Griya will increase.

Environmental Awareness Education Program for Students in Realizing SDGs 12

Fri, 22 Aug 2025 00:00:00 +0000

Plastic waste in school environments is not just a matter of cleanliness, but also a reflection of how we educate children to care for and take responsibility for the environment from an early age. In one of Indonesia's major urban areas, schools play an important role as learning spaces and places for instilling sustainable living values. Through the Adiwiyata program and the Pancasila Student Profile Strengthening Project, children are encouraged to learn while taking action to manage waste, maintain cleanliness, and understand the impact of their choices on the environment. This study is important to assess how far these efforts have progressed, what has been successful, and what challenges still need to be addressed collectively. This research aims to examine how cross-sector collaboration between the government, schools, communities, businesses, and the media plays a role in plastic waste management at one of Indonesia's senior high schools. Using a qualitative approach and case studies, data was collected through interviews with the Tangerang Selatan Environmental Agency (2 individuals), the Community (2 individuals), students (20 individuals), and teachers (3 individuals). The results of the study show that the active involvement of all parties not only fosters an environmental culture in schools but also provides students with opportunities to act as agents of change. They learn to sort, process, and creatively address environmental issues. However, challenges such as insufficient teacher training, uneven distribution of roles among institutions, and weak integration of programs into the curriculum still need to be addressed. The implications of these findings suggest that consistent active involvement and commitment from all parties can lead to improved plastic waste management in schools, supported by adequate policies and teacher training in the teaching and learning process.

Analysis of Group Counseling Practices: A Systematic Literature Review

Sat, 23 Aug 2025 00:00:00 +0000

Group counseling services play an important role in supporting individuals' psychological, social, and academic development, especially in the context of education and community. This article discusses the operational steps involved in implementing group counseling, examines how such services are applied in various countries, and explores the factors that influence their success. This study employs a Systematic Literature Review method using the Preferred Reporting Items for Systematic Reviews and Meta-Analyses guidelines, a evidence-based reporting framework designed to enhance transparency and completeness in reporting systematic review and meta-analysis results. The review includes 25 selected scientific articles from national and international journals over the past ten years. The results of the literature review analysis indicate that the implementation of group counseling generally consists of six main stages: assessing participants' needs, planning sessions, forming groups, conducting sessions, evaluating the process, and follow-up. In a global context, the implementation of group counseling varies based on educational policies, culture, and professional readiness in each country. Countries such as the United States, South Korea, and Finland have developed systematic service models based on a collaborative approach, while developing countries face challenges related to resources, counselor training, and Countries such as the United States, South Korea, and Finland have developed systematic, collaborative service models, while developing countries face challenges related to resources, counselor training, and institutional structures. Factors influencing the success of implementation include counselor competence, participant engagement, institutional support, and adaptation to the local cultural context. This article makes an important contribution to the development of an operational framework for group counseling services that are not only procedurally effective but also culturally relevant and aligned with educational systems

The Implementation of the Gale-Shapley Algorithm in School Admission Preferences: An Analysis of Matching Efficiency and Allocation Equity

Mon, 25 Aug 2025 00:00:00 +0000

In today’s educational landscape, integrating algorithmic approaches into school admission systems is crucial to ensure fairness, transparency, and efficiency. This study investigates the application of the Gale-Shapley algorithm to address the challenges of student-school matching, which often result in mismatches and inequities. This study aims to explain how the Gale-Shapley algorithm can ensure stable student placement, where no pair of students prefers each other over the post-assignment. Employing a mixed-methods approach, we combined a literature review with a simulation-based implementation using Python. A test case involving four students and four schools was used to validate the algorithm’s performance. The preferences of both students and schools were modeled, and the Gale-Shapley algorithm was applied to generate stable matchings. Authors analysis focused on evaluating the stability, fairness, and efficiency of the outcomes. The results demonstrate that the algorithm consistently produces optimal and conflict-free placements aligned with participant preferences. These findings highlight the algorithm’s potential to enhance the equity and effectiveness of school admission processes, particularly when applied to real-world educational settings. The implications of the discussion show that it supports trust in the admission system, because the stability and transparency of the process increase legitimacy and acceptance by all parties, including students, schools, and educational authorities.

Six Symbolic Communication Practices in Islamic Religious Learning for Children with Special Needs

Irham Ritonga, Lahmuddin Lahmuddin, Zainun Zainun — Thu, 28 Aug 2025 00:00:00 +0000

Symbolic communication practices for children with special needs in Islamic religious education include the use of body movements and so on. This study aims to analyze how symbolic communication practices are used in Islamic religious education for children with special needs. This study uses a qualitative method with a case study type. The informants consisted of eight people, including Islamic education teachers, students with special needs, parents, and school principals. All interview data were analyzed using the Miles and Huberman technique, which includes data reduction, data presentation, and interactive conclusion drawing or verification. The findings of this study show six symbolic communication practices in Islamic religious education for children with special needs. The six practices are the use of visual media, worship aids, concrete movements, role modeling, continuous habituation, and emotional touch. The implications or benefits of these findings are that they make it easier for students to understand the lessons, are more effective and efficient, and help students achieve independence in learning, as seen in their increased understanding of symbols, consistency in performing worship, and positive responses.

The Role of Peer Support in Fostering the Spirit of Life in Patients with Human Immunodeficiency Virus

Azmiral Anwar, Lahmuddin Lahmuddin, Nurhanifah Nurhanifah — Thu, 28 Aug 2025 00:00:00 +0000

Patients with Human Immunodeficiency Virus often face stigma, discrimination, and psychological pressure that causes them to lose their will to live. There have not been many studies that specifically highlight how peers can revive their will to live through therapeutic communication. This study aims to analyze the role of peers in fostering the spirit of living among Human Immunodeficiency Virus patients at a humanitarian foundation in Indonesia. This study uses a qualitative method with a case study approach that focuses on the supportive role of peers in fostering the spirit of living among people with Immunodeficiency Virus/Acquired Immunodeficiency Syndrome. Data was obtained through in-depth interviews with 12 informants, consisting of the foundation director, program manager, three peer supporters, two counselors, a doctor, and five HIV/AIDS patients, supplemented by observation and documentation of the foundation's activities. This study found that therapeutic communication conducted by peer supporters at the Medan Plus Foundation in Medan City had a significant effect on improving self-acceptance and zest for life among people living with HIV/AIDS. There are eight main roles that are carried out, namely an empathetic approach, a non-judgmental attitude, gradual communication through social media, face-to-face meetings, maintaining trust, using language appropriate to the emotional condition, providing emotional support, and therapeutic education. These findings are useful as a reference for health practitioners, social institutions, and the community to strengthen emotional support and therapeutic communication for people living with HIV/AIDS. The implications of this research emphasize the importance of the role of peer supporters in improving the quality of life of people living with HIV/AIDS.

Sociology of Communication Nazir Mosque Study of Uncertainty in Sermon Schedules and Social Isolation of Preachers

Novry Rivaldy, Abdullah Abdullah, Muniruddin Muniruddin — Thu, 28 Aug 2025 00:00:00 +0000

Mosques serve not only as places of worship, but also as social and religious institutions with multidimensional roles. Mosque administrators hold strategic positions in maintaining communication between administrators, congregations, and other parties involved, including preachers who deliver messages during Friday sermons. This study aims to analyze the sociological dynamics of communication among the nazirs of Al Jihad Mosque in Medan, particularly regarding the unclear schedule of Friday sermons and the phenomenon of social isolation experienced by the khatibs. Ineffective communication between the nazirs and the khatibs has disrupted the delivery of sermons and weakened congregational participation. This study uses a qualitative approach with a case study method. Data were obtained through in-depth interviews and participatory observation. There were six informants consisting of mosque administrators, preachers who had served or were serving at the mosque, and mosque congregants. The results show that the weak communication system and management structure of the mosque trigger serious problems in the delivery of sermons and reinforce the social isolation of the khatib, as evident in the decline in the quality of sermons, the strained relationship between administrators and khatibs, and the decline in congregants' trust in the management.

Revitalizing the Walagara Tradition: A Solution for Household Harmony to Reduce Divorce Rates

Ahmad Syaifuddin Romli, Ana Billah — Wed, 24 Sep 2025 00:00:00 +0000

The high divorce rate in Probolinggo Regency reflects a crisis in family resilience, driven by poor communication, economic instability, and shifting values due to modernization. This article explores the local tradition of Walagara, a Tenggerese cultural wisdom rich in values such as loyalty, mutual cooperation, deliberation, and spirituality, as an alternative solution to reduce the rate of divorce. This study aims to explore how the Walagara tradition, as part of the cultural heritage of the Tengger tribe, can strengthen family values and mutual respect within households. Using a qualitative approach and case study method, this research examines the relevance of Walagara in fostering marital harmony and the challenges of its implementation in the modern era. Findings reveal that the revitalization of Walagara values can be integrated into premarital education, family dialogue practices, and digital-based educational campaigns. This strategy emphasizes the involvement of traditional leaders, religious figures, communities, and youth to reinvigorate the tradition as a form of social capital. The study concludes that Walagara should not only be preserved as cultural heritage but also applied as a practical tool to strengthen family institutions in contemporary social contexts.

Strategies for Islamic Education Teachers in Dealing with the Impact of the Zoning System on New Student Admissions

Rahmadiati Rahmadiati, Sarwan Sarwan, Juliana Batubara — Sat, 20 Sep 2025 00:00:00 +0000

The process of accepting new students using the zoning system has an impact on students' morals, religious practices, and learning processes. The purpose of this study is to provide an overview of the efforts of Islamic Education teachers in dealing with the impact of the zoning system for accepting new students. This study uses a descriptive qualitative method. The sources of data for this study were Islamic Education teachers, Guidance Counseling teachers, student representatives, and school principals, with data collection techniques through observation, interviews, and documentation. The data were analyzed, reduced, and presented in narrative form, after which conclusions were drawn. This study found that the efforts made by Islamic Education teachers in coping with the impact of the zoning system for new student admissions related to moral violations and enthusiasm in practicing worship were to reprimand students and encourage them to always do good deeds. In addition, Islamic Education teachers coordinated with each other, including homeroom teachers, guidance counselors, school administrators, and parents. To mitigate the impact of the zoning system for new student admissions on the diversity of students' abilities and learning styles, teachers taught according to standard processes, including efforts to implement differentiated learning as recommended by the government.

Four Programs to Improve Students' English Skills at Modern Islamic Boarding Schools

Neri Oktavia, Sirajul Munir, Demina Demina, Suswati Hendriani, Rahmat Hidayat — Fri, 10 Oct 2025 00:00:00 +0000

The main issue in this research is how the management of the English language skills improvement program for students at modern Islamic boarding school. The purpose of this study is to describe the program and its management in improving the language skills of the students at the institution. This research employs a qualitative approach, with data collected through interviews, observations, and documentation. The data sources are verified through primary and secondary data. The data processing is conducted descriptively and qualitatively, followed by classification of specific aspects of the problem and presented effectively. The findings from field research indicate that the English language skills enhancement program at modern Islamic boarding school consists of four main programs: i) intracurricular program, consists of grammar, dictation, English lesson, story for you, reading and speaking, ii) curricular program, consists of daily vocabularies, English conversations, English week, muhadharah, haflah al-Lughah, speech contest, iii) extracurricular program, consists of English club, debate club, and storytelling club, and iv) involves teacher training and teaching practice classes for santri. The planning carried out in this program aligns with the planning indicators, the organization is well-structured, the implementation follows the program accordingly, and the supervision complies with the established planning and standards.

Muslim Perceptions of Islamic Insurance: An Analysis of the Fatwa by Indonesia’s National Sharia Council

Silviani Pulungan, Nurul Jannah, Nursantri Yanti — Thu, 23 Oct 2025 00:00:00 +0000

This study examines how the public interprets the implementation of the Indonesian Ulema Council's National Sharia Council Fatwa on sharia insurance in sharia insurance products. The approach used is descriptive qualitative through in-depth interviews with six informants selected purposively. The data was organized and read repeatedly, then analyzed thematically to find patterns of views, especially related to contracts, tabarru' fund flows, and the claims process. The results show an initial positive attitude due to the religious legitimacy of the fatwa, but technical understanding is still limited. Doubts mainly arise regarding the differences in principles with conventional insurance, clarity of costs, transparency of fund management, and the speed and certainty of claims. Perceptions are influenced by religious values, exposure to information, level of education, the influence of family/religious leaders, and service experience. The study recommends simple one-page product communication, ongoing community-based education, and concise periodic reporting to make fatwa implementation more effective, increase trust, and strengthen interest in participating in Islamic insurance.

Analysis of Factors Influencing Academic Achievement of Working Students

Wida Yustika, Isnaini Harahap, Siti Aisyah — Fri, 24 Oct 2025 00:00:00 +0000

This study addresses the increasing prevalence of burnout among working university students, a condition that threatens both their psychological well-being and academic success. Although previous research has explored the link between burnout, emotional intelligence, and performance, limited evidence exists in the context of higher education students who balance dual roles in developing countries. The present study aims to analyze the effect of burnout on the academic performance of working students, with emotional intelligence positioned as a mediating variable. A quantitative approach with an explanatory design was employed, involving 300 undergraduate students from private universities in North Sumatra, Indonesia, who simultaneously study and work. Data were collected using validated instruments and analyzed through Structural Equation Modeling with the Partial Least Squares method. The findings reveal that burnout significantly and negatively affects both emotional intelligence (β = –0.670, p < 0.001) and academic performance (β = –0.268, p < 0.001). Emotional intelligence exerts a positive effect on academic performance (β = 0.188, p = 0.007) and significantly mediates the relationship between burnout and performance (β = –0.126, p = 0.008). These results confirm the protective role of emotional intelligence in reducing the detrimental effects of burnout and highlight its importance in sustaining students’ academic achievement. The study contributes to theoretical advancement in burnout and emotional intelligence research while offering practical implications for higher education institutions to develop emotional regulation programs that support the resilience of working students.

Accommodation Services and Students’ Achievement in Public Secondary Schools in Southwest Nigeria

Femi Idowu Aladetan, Olajire Adeola Adegun — Fri, 24 Oct 2025 00:00:00 +0000

The study investigated the relationship between accommodation services and students’ achievement in the cognitive and affective domains of learning in public secondary schools in Southwest, Nigeria. The study was a descriptive survey. The sample of the study was 108 principals, 1,080 teachers and 2,160 students selected across 108 public secondary schools in Southwest Nigeria. They were selected using multistage sampling procedure. The research instruments used for data collection were two researcher-designed questionnaire and a proforma. The questionnaire were titled ‘Accommodation Services Questionnaire (ASQ)’ and ‘Students’ Affective Questionnaire (SAQ) while he proforma is tagged ‘Student Academic Performance Proforma (SAPP). The test-retest method was used to ascertain the reliability of the instruments and the reliability coefficients obtained for ASQ and SAQ were 0.84 and 0.78 respectively. The research questions were answered using descriptive statistics while the hypothesis was tested using PPMC at 0.05 level of significance. Finding showed that the state of accommodation services in public secondary schools in Southwest Nigeria was favourable (x = 2.54); the level of students’ achievement in cognitive domain was high (x = 3.39); the level of students’ achievement in affective domain was moderate (x = 2.74). The relationship between accommodation services and students’ achievement was statistically significant (r = .448, p<.05). It was concluded that accommodation services positively relate to students’ achievement. It was therefore recommended that quality accommodation services should be provided by the government and school managers to students by ensuring the hostels are spacious, well-lit and well ventilated.

The Influence of Service Quality on Student Satisfaction in Online Distance Learning Higher Education Based on the E-Quals Model

Recsatasha Sigiyuwanta — Mon, 27 Oct 2025 00:00:00 +0000

This research is motivated by the importance of service quality in increasing student satisfaction in the Online Distance Learning (ODL) system. The Electronic-Quality for Academic Learning Service (E-QUALS) model is used as a conceptual framework to analyze the various service dimensions that affect student satisfaction levels. The purpose of this study is to empirically examine the effect of service quality dimensions on student satisfaction in the context of higher education at the Open University, Indonesia, which implements Online Distance Learning. The research method used is a quantitative approach with a survey method. The population in this study consisted of 356 Open University students, and a sample of 188 students was selected using random sampling calculated with the Slovin formula with a margin of error of 5%. Data were collected using a questionnaire with a five-point Likert scale and analyzed using the Structural Equation Model method using SmartPLS 4.0. The results showed that e-learning system quality, course content and design, support services, interactivity, and teaching and instructor quality had a significant positive influence on student satisfaction. However, resources and technology infrastructure did not have a significant influence. Overall, this study confirms the importance of Online Distance Learning (ODL) providers to focus on improving technical and non-technical aspects to increase student satisfaction. This study introduces the E-QUALS model as a new approach to measure multidimensional service quality in the context of online distance learning. This model has a significant positive effect on higher education institutions, providing strategic guidance to improve the quality of online distance learning services and its development in various dimensions.

The Influence of Parents' Attitudes, Knowledge and Income on Students' Financial Management Behavior

Aisyah Norma Ruslita Batubara, Isnaini Harahap, Siti Aisyah — Mon, 27 Oct 2025 00:00:00 +0000

This study examines the influence of parents' attitudes, knowledge, and income on the financial management behavior of students at a university in Indonesia. The approach used is quantitative with a survey method conducted over a period of time. A sample of 100 respondents was selected from a population of 4,018 students using simple random sampling. Data were collected using a five-point Likert scale questionnaire that had been assessed as valid and reliable, then analyzed using multiple linear regression after all basic assumptions were met, such as normality, no excessive relationships between predictors, and homogeneity of residual variance. The results show that the model constructed is feasible overall and can explain approximately seventy-four point two percent of the variation in student financial management behavior. Separately, financial attitudes and financial knowledge have a positive and significant effect, indicating that students with better attitudes and stronger understanding tend to be more capable of budgeting, recording expenses, saving, and controlling spending. Conversely, parental income did not show a significant effect, suggesting that financial behavior is determined more by internal factors than by family economic conditions. These findings emphasize the importance of structured financial literacy programs at the faculty and study program levels to instill healthy financial practices among students.

The Existence of Street Vendors in Business: Opportunities and Challenges

Amanda Oktavia Sufa, Zainarti Zainarti, Tuti Anggraini — Fri, 31 Oct 2025 00:00:00 +0000

This study aims to explain how street vendors survive and the obstacles they face amid modern business competition triggered by retail expansion and the shift to online commerce. The research uses a descriptive qualitative approach in one of the markets in Indonesia, with four main informants who are traders of various commodities (casual clothing, baby and children's clothing, foodstuffs, and fruits), supplemented by brief confirmation from market managers and customers. Data was obtained through stall observation, in-depth interviews, and document review; analyzed thematically and mapped into a framework of strengths, weaknesses, opportunities, and threats. The findings reveal five most consistent strategies: strengthening services that foster trust; maintaining quality while organizing merchandise displays; starting to utilize simple digital channels (messaging and cashless payments based on Bank Indonesia's standard QR code); improving operational efficiency (stock and cost management); and collaborating with suppliers and the local community. The main obstacles include uneven digital literacy, limited capital and facilities, price pressure from modern retailers, and uncertainty regarding business space. The practical implications are the need for concise digital and managerial assistance, access to microfinance for small value-added improvements, and participatory market structuring. This article contributes by translating cross-commodity daily strategies into an action plan that is easy for traders and stakeholders to adopt.

Determination of Literacy and Trust in the Sustainable Use of Digital Sharia Insurance Applications

Riri Dwita Putri, Nursantri Yanti, Hendra Harmain — Fri, 31 Oct 2025 00:00:00 +0000

This study examines how sharia financial literacy and trust affect continuance intention to use digital sharia insurance applications among millennials in Medan, Indonesia. A quantitative–explanatory design with a cross-sectional survey was employed (n = 100). Likert-scale instruments for sharia digital literacy, trust, and continuance intention were deemed adequate after item purification; reliability and validity were met (e.g., α_literacy = 0.810), and classical assumptions held (normality, no multicollinearity, no heteroscedasticity). Multiple linear regression (IBM SPSS v25) shows that literacy has the strongest positive effect on continuance (B = 0.329; β = 0.466; t = 9.792; p < 0.001). Trust also exerts a positive, statistically significant effect at the 10% level (t = 1.965), which is salient in sectors that have faced reputational shocks. Jointly, the two variables explain a large share of variance (Adjusted R² = 0.904; F = 70.614; p < 0.001), aligning with TAM/TPB logic: literacy elevates perceived usefulness/ease of use, while trust reduces perceived risk and strengthens perceived behavioral control, thereby reinforcing continuance intention. Managerially, two complementary levers are suggested: (1) weaving task-based literacy into the app (e.g., claim simulations annotated with contract types, contribution/tabarru’ wizards, inline glossaries, and decision-point nudges) to translate declarative knowledge into action; and (2) engineering verifiable process transparency (real-time claim tracking, concise tabarru’ summaries, DSN-MUI compliance badges, and clear privacy notices) to build trust. The study enriches post-adoption evidence in Islamic fintech and offers practical guidance to strengthen retention and inclusion among urban millennials.

Application of FMEA and EOQ Methods in Risk Management Assessment

Galuh Citra Sukma Dwika, Isnaini Harahap, Nurlaila Nurlaila — Tue, 28 Oct 2025 00:00:00 +0000

This study aims to optimize the control of agroinput inventory at a company in Indonesia through the integration of Failure Mode and Effects Analysis and Economic Order Quantity, supplemented by safety stock and reorder points. The research design is quantitative-operational, utilizing historical demand data, ordering costs, storage costs per unit per year, unit prices, and supplier lead times. Failure Mode and Effects Analysis is used to identify and rank failure modes in the warehouse based on severity, probability of occurrence, and detectability to form a Risk Priority Number. The risk findings are then mapped to inventory policy parameters: determining the service level that forms the basis for the safety stock level, setting the reorder point, and evaluating the order frequency through Economic Order Quantity. The results show that integrating the two approaches produces more efficient order sizes, reduces unnecessary ordering frequency, and reduces the potential for stockouts on items with high risk Priority Numbers by adjusting safety stock and reorder points based on service levels. A before-and-after comparison also confirms that ordering and carrying costs can be reduced without compromising the availability of critical materials. Managerial implications include establishing standard ordering procedures per item (economic lot size, reorder point, and review period), periodically reviewing ordering and carrying cost parameters, and integrating the Risk Priority Number metric into the inventory control system. This study provides practical contributions to strengthening inventory management in the agro-industry sector.

The Concept of Hijrah in the Quranic Perspective and Its Relevance to Contemporary Migration

Dede Pradana, Mardian Idris Harahap — Tue, 28 Oct 2025 00:00:00 +0000

This article reexamines the concept of hijrah in the Quran and its relevance to contemporary migration. The method used is qualitative with content analysis; data sources were taken from the Quran and three works of interpretation: al-Qurṭubī (al-Jāmi‘ li Aḥkām al-Qur’ān), Tafsir al-Azhar by Hamka, and Tafsir al-Miṣbāḥ by M. Quraish Shihab. All data were analyzed thematically using the maudhu'i technique through theme determination, key verse extraction (QS An-Nisā': 100; QS Al-Baqarah: 218), lexical mapping (murāghaman, sa'ah), and interpretation comparison. The main findings show that hijrah is not merely a change of place, but a transformation of circumstances that requires ethical boundaries of righteous intentions, lawful and fair means, and beneficial goals. The spectrum of lawful goals includes halal livelihood, ṭalab al-‘ilm, safety of faith/soul, and socio-religious strengthening. This article contributes an ethical-operational framework of four axes intention, method, purpose, and responsibility as practical indicators for assessing migration practices (work/study/protection) in terms of legitimacy, safety, and dignity, while also providing implications for religious guidance services, community education, and the strengthening of migrant protection policies.

Employee Perspective Analysis on Optimizing Insurance Use in Occupational Safety and Health Programs

Taslam Ashaari, Rahmi Syahriza, Kusmilawaty Kusmilawaty — Tue, 28 Oct 2025 00:00:00 +0000

This study aims to analyze employees' perspectives on the optimization of insurance use in occupational safety and health programs at PT Kereta Api Logistik. Insurance is an important instrument in providing financial protection against the risk of work accidents and occupational diseases in a logistics company environment that has a high level of risk. This study uses a qualitative approach, with data collection using in-depth interviews with 8-12 employees involved in the occupational safety and health insurance program. Data collection techniques also include direct observation and the study of relevant documentation and documents. The results show that most employees feel protected and satisfied with the insurance benefits, especially in terms of medical expenses and work accident compensation. However, insurance coverage is not comprehensive, and the claims process is still not transparent and slow. A lack of education about the claims procedure was also found. The study emphasizes the importance of integrating insurance protection with training and strengthening the safety culture. Recommendations include expanding insurance coverage, digitizing claims, improving employee education, and collaborating with competent insurance providers. With these steps, the optimization of insurance protection is expected to support the optimal success of the Occupational Safety and Health program at PT Kereta Api Logistik.

Analysis of Factors Affecting Work Productivity

Atoillah Atoillah, Tata Rustandi, Angrian Permana — Tue, 28 Oct 2025 00:00:00 +0000

One of the responsibilities of heavy manufacturing and construction companies is high work risk and high productivity demands. These conditions require the implementation of good work discipline, safety, and occupational health to support employee performance. This study aims to analyze the effect of work discipline, safety, and occupational health on job satisfaction and its implications for productivity in a manufacturing company in Indonesia. This study uses a quantitative method with regression analysis tools, through the distribution of questionnaires to 98 respondents using purposive sampling techniques in the design, manufacturing, and steel structure construction divisions. The data was analyzed using the SmartPLS statistical application. The results show that work discipline, safety, and occupational health have a positive effect on job satisfaction, and both have a direct effect on productivity. Job satisfaction was also proven to be a factor that contributes to increased productivity. The implications of this study are improvements in work discipline and job satisfaction as well as employee productivity. Optimal occupational safety and health management contributes to the creation of sustainable job satisfaction. A safe and healthy work environment encourages employees to achieve their best performance.

The Influence of Environment and Discipline on Work Satisfaction and Its Implications for Productivity

Yosie Kristin Pandriyani, Tata Rustandi, Angrian Permana — Tue, 28 Oct 2025 00:00:00 +0000

One company in Indonesia faces challenges in the work environment, such as room layout, internal communication, workload, and limitations in employee development. These conditions cause dissatisfaction that has the potential to reduce productivity. It is necessary to identify the factors that affect employee job satisfaction. This study aims to determine and analyze the influence of the environment and discipline on job satisfaction and its implications for productivity at PT Asyatek Indonesia. The research method used was quantitative, with data collected through a questionnaire distributed to 92 respondents, focusing on employees in the production and project areas, which was then analyzed using the SmartPLS statistical application. The results of this study show that the work environment has a positive and significant effect on job satisfaction, with a coefficient value of 0.303 and a t-statistic of 2.014>1.96, p-value 0.045<0.05. Furthermore, work discipline has a positive and significant effect on job satisfaction, as evidenced by a coefficient value of 0.322 and a t-statistic of 2.665>1.96, p-value 0.008<0.05. Then, job satisfaction has a positive and significant effect on work productivity, with a coefficient value of 0.343 and a t-statistic of 3.399>1.96, p-value 0.001<0.05. Furthermore, the work environment has a positive and significant effect on work productivity, with a coefficient value of 0.483 and a t-statistic of 4.433>1.96, p-value 0.000<0.05. Work discipline has a positive and significant effect on work productivity, as evidenced by a coefficient value of 0.480 and a t-statistic of 4.354>1.96, p-value 0.000<0.05. The implications of this study are improvements in the work environment and job satisfaction as well as employee productivity. A consistent culture of discipline is important to continue to strengthen through firm but fair policies as an indicator of successful human resource management.

Implementation of Fazlur Rahman and Syed Naquib al-Attas' Educational Concepts in Islamic Full-day Schools

Sudirman Sudirman, Sri Minarti, Laili Ramadani — Tue, 28 Oct 2025 00:00:00 +0000

This study aims to analyze the implementation of Fazlur Rahman and Syed Naquib Al-Attas' educational concepts in full-day schools in Indonesia. The institutions studied implement an integrated curriculum that combines formal madrasah education with pesantren-style learning, in order to meet the needs of parents who want their children to receive Islamic education without having to live in a full-day schools. The research focuses on the integration of muhadatsah, muhadharah, tahsin-tahfidz, imla’, nahwu-sharaf, and mahfudzoh programs with the Ministry of Religious Affairs curriculum. The research used qualitative methods with a case study approach, through participatory observation, semi-structured interviews with eight key informants (head of the madrasah, deputy head of curriculum, Islamic Education teachers, tahfidz teachers, and students), and documentation studies. Data analysis was conducted inductively using the Miles and Huberman model, through the stages of reduction, presentation, and conclusion drawing, accompanied by triangulation of sources and methods to ensure the validity of the findings. The results of the study indicate that educational practices in these schools reflect the application of the principles of Quranic knowledge and moral integration according to Fazlur Rahman and the concepts of adab and spirituality according to Syed Naquib Al-Attas, which combine to form a modern Islamic education model that harmoniously integrates rationality, morality, and spirituality into a full-day school system. These findings contribute to the development of a holistic, contextual, and adaptive Islamic education paradigm that meets the needs of modern urban communities.

Financial Performance Analysis of Islamic Institutions: A Case Study of the National Zakat Agency in Indonesia

Asrida Asrida, Elfina Yenti, Nita Fitria, Risa Gustia Wanda — Thu, 30 Oct 2025 00:00:00 +0000

This study analyze the financial performance of the National Zakat Agency. This study uses a quantitative research method with a quantitative descriptive approach. Data was obtained from the 2021-2023 financial reports of the West Sumatra National Zakat Agency and analyzed using five financial ratios issued by the National Zakat Agency's Strategic Studies Center. The results show that the financial performance of the National Zakat Agency, as assessed based on activity ratios, is effective in distributing zakat funds but less effective in distributing infaq/sadaqah funds. The turnover of zakat funds is high/active, but infaq and sadaqah are low. The operational and human resource cost ratios are efficient. The liquidity ratio shows good performance, zakat fund growth is not yet stable, while infaq and sadaqah are positive. Meanwhile, the growth ratio shows poor performance. Overall, the National Zakat Agency needs to improve the distribution of infaq and sadaqah, as well as maintain the stability of zakat, infaq, and sadaqah fund growth.