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ANALYSIS OF THE USE OF CHATGPT IN BIOLOGY LEARNING IN THE 5.0 ERA: A QUALITATIVE STUDY ON STUDENT PERSPECTIVES
he Society 5.0 era places technology as a key element in improving the quality of education. This study aims to analyze the experiences of 5th-semester Biology Education students at IAIN Kerinci in using ChatGPT. The research employs a descriptive qualitative approach, with data collected through direct interviews with respondents. Based on a SWOT analysis, the findings indicate that ChatGPT facilitates the understanding of difficult materials and enhances task completion efficiency. This technology also offers opportunities to support flexible learning and enrich academic discussion collaborations. However, weaknesses such as inaccuracies in technical content and limitations in visualization present challenges to be addressed. Additionally, there is a threat of dependency that may reduce students' critical thinking abilities and their exploration of other information sources. These findings highlight that ChatGPT can serve as an effective learning complement if used wisely and accompanied by the development of students' digital literacy skills.
ANALISIS PEMAHAMAN PEDANG UMKM TENTANG AKAD MURABAHAH PADA BSI KCP SUNGAI PENUH
Tujuan – Tujuan penelitian ini untuk memahami secara mendalam pemahaman dan pengalaman para pedagang UMKM mengenai akad murabahah di Bank Syariah Indonesia KCP Sungai Penuh. Metode – Penelitian ini menggunakan pendekatan kualitatif yang berfokus pada pemahaman mendalam terhadap fenomena sosial berdasarkan perspektif subjek yang diteliti dengan cara mengumpulkan data secara deskriptif melalui observasi, wawancara, dan dokumentasi. Metode ini penting bagi peneliti untuk menggali makna, pola, serta proses yang terjadi dalam konteks alami tanpa mengintervensi kondisi yang sedang berlangsung sehingga hasil penelitiannya bersifat kontekstual dan reflektif. Temuan – Hasil penelitian menunjukkan bahwa pemahaman pedagang UMKM terhadap murabahah di BSI KCP Sungai Penuh rendah-sedang, hanya tahu sebagai pembiayaan bebas riba tanpa paham jual beli transparan (kepemilikan bank, harga pokok, margin awal). Persepsi positif dari nilai agama dan pelayanan ramah, tapi terhambat minim edukasi/sosialisasi, disamakan pinjaman bunga terselubung. Niat tinggi untuk ekspansi, tapi belum terealisasi karena modal pribadi dan prosedur rumit. Implikasi Praktis – BSI KCP Sungai Penuh hendaknya memperkuat program edukasi progresif dan pendampingan intensif untuk pedagang UMKM, seperti pelatihan transparansi akad murabahah (kepemilikan barang, harga pokok, margin), sosialisasi langsung, dan simplifikasi prosedur administrasi, guna menjembatani pemahaman yang rendah, konversi niat tinggi menjadi pemanfaatan nyata. Orisinalitas/Nilai – Penelitian ini memperluas literatur tentang pemahaman pedagang UMKM terhadap akad murabahah, bukan sekedar implementasi atau dampaknya. Studi ini menyoroti kesenjangan antara persepsi “bebas riba” dan pemahaman konseptual murabahah sebagai akad jual beli yang transparan.
TRUST AS A FOUNDATION FOR ETHICAL AND RESILIENT SHARIA BANKING: PUBLIC PERCEPTION OF SECURITY AND RELIABILITY
Purpose - This study aimed to analyze public perceptions of the security and reliability of transactions at Bank Syariah Indonesia (BSI), Sungai Penuh Branch. This research, informed by Trust Theory and the principles of maqāṣid al-sharī‘ah—specifically ḥifẓ almāl (protection of money) and ḥifẓ al-‘ird (maintenance of dignity and social trust)— examines the impact of consumer confidence on the sustainability of Islamic banking. Method - The qualitative indicates that perceived security, reliability, and Shariah conformity substantially bolster trust in Islamic banking organizations. This trust, consequently, enhances client loyalty and adoption, so reinforcing the overarching governance and ethical goals of financial institutions. Findings - The analyze is expected to provide a comprehensive overview of how the public perceives the security and reliability of transactions in Islamic financial institutions. The findings will highlight various factors influencing public perception, including personal experiences, knowledge of Islamic financial products, and the level of trust in banks. Practical Implication - The research findings are expected to contribute valuable insights into the factors influencing public perceptions of Islamic financial services. The findings enhance the existing literature by framing trust as both a behavioral factor and a strategic resource, in line with global frameworks such as ESG (Governance dimension) and SDGs (Decent Work and Economic Growth, Reduced Inequalities). Originality/value - This study provides practical insights for Islamic banks to enhance transparency, security measures, and ethical standards, thereby strengthening their position as inclusive and resilient financial institutions within Muslim and multicultural communities
SUSTAINABLE ISLAMIC BANKING THROUGH LEGAL LITERACY : AN ANALYSIS OF CUSTOMER PERCEPTIONS OF SHARIA FINANCING
Purpose – This study examines how legal literacy shapes customer perceptions and sustainable engagement with Sharia-compliant financing at Bank Syariah Indonesia (BSI) Sungai Penuh. This research explores the factors that influence this literacy–perception gap. Method – Using a qualitative field approach, data were collected through semi structured interviews with six BSI customers (FW, YN, IS, NN, ZA, VA) representing diverse financing experiences. The Miles–Huberman framework was used for iterative coding, reduction, and thematic interpretation. The analysis focused on identifying customers’ understanding of Sharia contracts, perceived challenges, and their implications for sustainable Islamic banking. Findings – The results demonstrate that customers possess general awareness of Sharia principles but have limited understanding of the technical components of financing contracts. Respondents frequently reported confusion regarding contract terminology, profit-sharing formulas, and administrative procedures. Trust in DSN-MUI fatwas and Sharia Supervisory Boards compensated for this lack of literacy, producing a trust-driven rather than knowledge-driven decision-making pattern. Practical implications – Enhancing legal literacy through structured education, plain language disclosures, digital communication, and streamlined administrative procedures can significantly strengthen customer participation and sustainability in Sharia financing. Originality/value – This study offers a socio-legal perspective rarely emphasized in Islamic finance literature by demonstrating how legal literacy directly influences perception, transparency, and sustainability. The literacy–perception–sustainability model proposed here provides a new analytical lens for evaluating customer behavior in Islamic banking.
PENGEMBANGAN LKPD BERBASIS KEARIFAN LOKAL BUDAYA PADA MASJID KUNO DAN BILIK PADI KERINCI TERHADAP PENINGKATAN KEMAMPUAN PEMAHAMAN KONSEP MATEMATIS SISWA PADA MATERI BANGUN DATAR
Banyak siswa masih mengalami kesulitan dalam memahami konsep matematika, terutama pada topik bangun datar. Penelitian ini bertujuan untuk mengembangkan Lembar Kerja Peserta Didik (LKPD) yang berbasis pada kearifan lokal budaya Kerinci, yang valid, praktis, dan efektif dalam meningkatkan pemahaman konseptual matematika siswa kelas VII pada topik tersebut. Penelitian ini menggunakan model pengembangan 4D, yang meliputi tahap Define, Design, Develop, dan Disseminate. Subjek penelitian terdiri dari 18 siswa kelas VII di MTsS Modern Arafah, dengan 3 siswa terlibat dalam uji coba kelompok kecil dan 15 siswa dalam uji lapangan utama. Instrumen yang digunakan adalah lembar validasi ahli, kuesioner praktikalitas, dan tes pemahaman konseptual. Hasil penelitian menunjukkan bahwa LKPD yang dikembangkan memiliki validitas tinggi dengan skor rata-rata 3,65 (91,25%), praktikalitas tinggi dengan skor rata-rata 3,66 (91,5%), dan efektivitas sedang dengan skor N-Gain 0,40. Selain itu, 60% siswa menunjukkan peningkatan pemahaman konseptual dalam kategori sedang hingga tinggi. Pengintegrasian unsur budaya lokal seperti Bilik Padi dan Masjid Kuno berhasil meningkatkan motivasi belajar, interaksi di kelas, dan membantu siswa memahami konsep matematika melalui konteks budaya yang familiar. Oleh karena itu, LKPD berbasis budaya Kerinci ini dianggap sesuai untuk digunakan sebagai bahan ajar kontekstual yang mendukung implementasi Kurikulum Merdeka, memperkuat pemahaman matematika siswa, dan berkontribusi pada pelestarian budaya lokal.