Septi Gumiandari

The massive penetration of digital transactions among adolescents presents real financial vulnerability due to low understanding of Islamic economic contracts and ethics. Conventional fiqh learning is often isolated in textual normative memorization without honing students' critical reasoning skills against contemporary realities. This study aims to comprehensively analyze the implementation of the Problem-Based Learning (PBL) model in the learning of Fiqh Muamalah and its impact on strengthening students' critical reasoning and sharia financial literacy on digital economy issues. The research design adopts a qualitative approach with a bounded system case study at SMK Darul Musyawirin Cirebon. The research participants include Fiqh Muamalah teachers, vice principals for curriculum, and grade XI students who are directly involved in the learning cycle. Data collection was carried out through semi-structured in-depth interviews, classroom participatory observations, and review of learning portfolio documentation. Data analysis was carried out cyclically through an interactive model of open coding-based data reduction, presentation of thematic matrix data, and conclusion drawing and verification that were validated through source triangulation, member check, and trail audit. The results of the study revealed that organizing learning through the stages of authentic problem orientation (such as paylater, online loans, and digital investment), legal literature investigation, intergroup discussion-rebuttal dialectic, and value reflection succeeded in transforming students' mindsets from textual-reproductive reasoning to contextual-analytic based on postulates. Students showed a surge in competence in distinguishing murabahah margins from time-based interest, identifying the elements of riba, gharar, and maisir, and compiling simple legal arguments of istinbath al-ahkam. In addition, the structural understanding was internalized into behavioral financial literacy that encourages transaction prudence and verification of sharia legality. This instructional model proves that the integration of real issues of the digital economy into the PBL syntax effectively bridges classical fiqh doctrine with modern challenges, while offering a transformative pedagogical framework for vocational Islamic education curriculum.

The development of digital technology requires Islamic Religious Education (IRE) to accommodate students’ diverse potentials and foster creativity, including in Akhlak learning, which is often delivered through conventional approaches. This study aims to describe the planning and implementation of digital technology-based product differentiation, identify the forms and quality of students’ products, analyze the development of creativity, and examine the supporting and inhibiting factors at SMAN 1 Majalengka. The study employed a qualitative approach with a case study design. Data were collected through participatory observation, in-depth interviews with one IRE teacher and six eleventh-grade students, and documentation of instructional materials and students’ digital works. Data were analyzed through data reduction, data presentation, and conclusion drawing. The findings indicate that instruction was systematically planned through diagnostic assessment, product choices, and assessment rubrics. Implementation resulted in short films, educational videos, and digital posters that represented students’ understanding of moral values. Creativity was reflected in the development of originality, flexibility, elaboration, and fluency of thinking. Teachers’ technological competence, students’ enthusiasm, and a collaborative learning environment supported implementation, while limited time and technical constraints remained challenges. This study provides practical insights into implementing digital product differentiation to foster creativity in Islamic Religious Education. ABSTRAK Perkembangan teknologi digital menuntut pembelajaran Pendidikan Agama Islam (PAI) yang mampu mengakomodasi keberagaman potensi siswa dan mengembangkan kreativitas, termasuk pada materi Akhlak yang cenderung disampaikan secara konvensional. Penelitian ini bertujuan mendeskripsikan perencanaan dan pelaksanaan pembelajaran berdiferensiasi produk berbasis teknologi digital, mengidentifikasi bentuk dan kualitas produk siswa, menganalisis perkembangan kreativitas, serta mengungkap faktor pendukung dan penghambat implementasinya di SMAN 1 Majalengka. Penelitian menggunakan pendekatan kualitatif dengan desain studi kasus. Data dikumpulkan melalui observasi partisipatif, wawancara mendalam dengan satu guru PAI dan enam siswa kelas XI, serta dokumentasi perangkat pembelajaran dan karya digital. Analisis data dilakukan melalui reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa pembelajaran direncanakan secara sistematis melalui asesmen diagnostik, pilihan produk, dan rubrik penilaian. Pelaksanaannya menghasilkan film pendek, video edukasi, dan poster digital yang merepresentasikan pemahaman nilai Akhlak. Kreativitas siswa tampak pada perkembangan orisinalitas, keluwesan ide, elaborasi, dan kelancaran berpikir. Kompetensi teknologi guru, antusiasme siswa, serta lingkungan kolaboratif mendukung implementasi, sedangkan keterbatasan waktu dan kendala teknis menjadi hambatan. Penelitian ini memberikan gambaran praktis penerapan diferensiasi produk digital untuk mengembangkan kreativitas siswa dalam pembelajaran PAI.