Pusat Jurnal UIN Ar-Raniry (Universitas Islam Negeri)
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PARTISIPASI TENAGA KERJA PEREMPUAN DALAM MENINGKATKAN KESEJAHTERAAN KELUARGA (STUDI KASUS DI PASAR NALOGATEN KEC. SLEMAN YOGYAKARTA)
No full textAbstract: In a family, apart from being a wife, women also work as housewives who educate children and are devoted to their husbands. Many things are considered to create a prosperous family so that life is more comfortable and also various motivations for working, one of which is to ease the burden on households with a high number of dependents, want to earn their own money, seek experience, and want to transfer their knowledge to others. This study aims to find out whether working women's welfare has increased or there are many problems behind it. As for this research, it can be seen from working women in terms of age, work done by women, and family welfare conditions. This study uses an approach approach with the interview method to 4 informants who can provide correct and clear information related to the research being conducted. The research findings show that women in the Nologaten market who are over 40 years old are self-willed, self-employed and want to have their own money. Even though their children are well off and have enough jobs, the mothers who work in the Nologaten market still want to work alone because they are used to it, and they also have the help of their husbands. There are various kinds of work at that place, such as selling spices, vegetables, and also selling chicken. This research was conducted at Nologaten Caturtunggal Market, Depok District, Sleman Regency, Special Region of Yogyakarta.Keywords: Women; Welfare; Family. Abstrak: Dalam sebuah keluarga perempuan selain berperan sebagai istri juga berfungsi sebagai ibu rumah tangga yang mendidik anak dan berbakti kepada suami. Banyak hal yang dipertimbangkan untuk menciptakan keluarga yang sejahtera agar hidup lebih nyaman Berbagai motivasi perempuan ingin bekerja yaitu untuk meringankan beban rumah tangga dengan jumlah tanggungan cukup tinggi, ingin mencari uang sendiri, mencari pengalaman, dan ingin mentransfer ilmunya kepada orang lain. Penelitian ini bertujuan untuk mengetahui perempuan bekerja apakah kesejahteraan keluarganya meningkat atau banyak permasalahan dibaliknya. Adapun penelitian ini dapat dilihat perempuan bekerja dari segi umur, pekerjaan yang dilakukan perempuan, dan kondisi kesejahteraan keluarga. Dalam penelitian ini merupakan suatu pendekatan kualitatif dengan menggunakan metode wawancara kepada 4 informan yang bisa memberikan tanggapan atau infomasi dengan benar dan jelas yang terkait dengan penelitian yang ingin dilakukan. Temuan penelitian menunjukkan bahwa perempuan yang bekerja di pasar Nologaten yang berusia di atas 40 tahun adalah kemauan diri sendiri, kesenangan sendiri dan ingin mempunyai uang sendiri. Walaupun anak-anaknya sudah berkecukupan dan mempunyai pekerjaan yang cukup namun ibu-ibu yang bekerja di pasar Nologaten tetap ingin bekerja sendiri dikarenakan sudah terbiasa berdagang. Berbagai macam kerjaannya ditempat tersebut seperti menjual rempah-rempah, sayur-sayuran dan juga menjual ayam. Penelitian ini dilakukan di Pasar Nologaten Caturtunggal, Kecamatan Depok, Kabupaten Sleman, Daerah Istimewa Yogyakarta.Kata Kunci: Perempuan; Kesejahteraan; Keluarga
PENGARUH PROGRAM ACEH BESAR SEJAHTERA (PRO ABES) TERHADAP PENGENTASAN KEMISKINAN DI KABUPATEN ACEH BESAR
No full textAbstract: Aceh is still the poorest province in Sumatra, this condition was conveyed by the Central Bureau of Statistics (BPS) of Aceh Province. Aceh Besar District is located next to Banda Aceh City as the provincial capital, but the poverty rate in Banda Aceh City is much lower than in Aceh Besar. The author focuses on the Central Bureau of Statistics data that presents the poverty rate in Aceh Besar District as higher even though the two are located side by side. On that basis, the Regent of Aceh Besar launched the Aceh Besar Sejahtera Program (Pro Abes) with the aim of overcoming and reducing the burden of spending on the poor in Aceh Besar with a target of reducing the poverty rate by 10%. The purpose of this study was to determine the extent of the influence of the Aceh Besar Sejahtera Program in overcoming the problem of poverty in the Aceh Besar District and how much a percentage of the poverty rate fell from the impact of the program. This research uses qualitative methods with data collection techniques through observation, interviews, and documentation. The results showed that the effect of the Aceh Besar Sejahtera Program in reducing the expenditure burden of the poor had been achieved, but significantly had not emphasized the reduction in poverty in Aceh Besar District. From 2017 the program was launched until 2022 the end of the term of office, the percentage of poor people in Aceh Besar District only decreased by 0.91% and the number of poor people decreased by 4.51%.Keywords: Influence; Aceh Besar Sejahtera Program; Poverty Alleviatio.Abstrak: Aceh masih menjadi provinsi termiskin di Sumatera, kondisi ini disampaikan oleh Badan Pusat Statistik (BPS) Provinsi Aceh. Secara kedudukan Kabupaten Aceh Besar berdampingan dengan Kota Banda Aceh sebagai ibu kota provinsi, akan tetapi angka kemiskinan di Kota Banda Aceh jauh lebih rendah dari Aceh Besar. Penulis fokus pada data Badan Pusat Stastistik yang menyajikan tingkat kemiskinan di Kabupaten Aceh Besar lebih tinggi padahal letak keduanya berdampingan. Atas dasar itu Bupati Aceh Besar meluncurkan Program Aceh Besar Sejahtera (Pro Abes) dengan tujuan untuk mengatasi dan mengurangi beban pengeluaran masyarakat miskin di Aceh Besar dengan target penurunan angka kemiskinan sebesar 10%. Tujuan penelitian ini untuk mengetahui sejauh mana pengaruh Program Aceh Besar Sejahtera dalam mengatasi masalah kemiskinan di Kabupaten Aceh Besar serta berapa persen angka kemiskinan turun dari dampak program tersebut. Penelitian ini menggunakan metode kualitatif dengan teknik pengumpulan data melalui observasi, wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa pengaruh Program Aceh Besar Sejahtera dalam mengurangi beban pengeluaran masyarakat miskin sudah tercapai, namun secara signifikan belum menekankan pada penurunan angka kemiskinan di Kabupaten Aceh Besar. Dari tahun 2017 program ini diluncurkan sampai dengan tahun 2022 berakhirnya masa jabatan, persentase penduduk miskin di Kabupaten Aceh Besar hanya turun sebesar 0,91% dan jumlah penduduk miskin turun sebesar 4,51%.Kata Kunci: Pengaruh; Program Aceh Besar Sejahtera; Pengentasan Kemiskinan
IMPACT OF QUALITY EDUCATION ON POVERTY REDUCTION ACROSS DIFFERENT ECONOMIC CONTEXTS
No full textThe impact of quality education on poverty reduction is a critical area of study, particularly when examined across different economic contexts. This research investigates how quality education influences poverty reduction in low-income and high-income countries, focusing on the moderating effect of financial context. A comparative cross-sectional research design was employed, utilizing secondary data from thirty countries—fifteen low-income and fifteen high-income—sourced from reputable databases such as the World Bank, United Nations Educational, Scientific and Cultural Organization (UNESCO), and Organisation for Economic Co-operation and Development (OECD). Descriptive statistics, correlation analysis, and multiple regression were conducted to analyze the relationship between educational quality and poverty reduction. The findings reveal a significant positive correlation between literacy rates and poverty reduction, mainly in high-income countries (r = 0.76, p < 0.01). Regression analysis further supports that the impact of education on poverty is more substantial in high-income contexts, with a notable interaction effect between education and economic context (β = 0.36, p < 0.01). These results suggest that while education is vital for poverty alleviation, its effectiveness varies depending on the economic environment. The study concludes that tailored educational policies are necessary to enhance the poverty-reducing potential of education in low-income countries, highlighting the need for global educational reforms to address these disparities
COMMUNITY EMPOWERMENT THROUGH SUKA MULIA WASTE BANK IN IMPROVING HOUSEHOLD ECONOMIC WELFARE IN PEMATANG JOHAR VILLAGE - LABUHAN DELI DISTRICT
No full textThe issue of suboptimal waste management often leads to environmental pollution and neglects the economic potential of household waste. Amidst this issue, the waste bank program emerges as an innovative solution that not only reduces waste volume but also empowers the community economically. This study aims to analyze the role of the Suka Mulia Waste Bank in improving the economic welfare of the community in Pematang Johar Village, Labuhan Deli District. The study uses a qualitative approach with data collection techniques including observation, in-depth interviews, and documentation. The results show that the waste bank plays a significant role in enhancing community welfare through several mechanisms. First, it provides economic incentives such as waste payments, waste savings, and programs to exchange waste for basic needs. Second, it opens new business opportunities through training in recycling waste into economically valuable products such as eco-bricks, paving blocks, liquid fertilizer, and handicrafts. Third, it expands access to social assistance and public services through programs such as paying BPJS premiums, land taxes (PBB), and even school fees from waste savings. This program also fosters environmental awareness and a household-level culture of waste sorting. The success of the waste bank’s implementation is supported by active community participation, village government support, and the involvement of external institutions. Therefore, the waste bank program must continue to be developed with cross-sectoral support so that its benefits can be widely felt, sustainable, and become a model of environmentally based community empowerment
Conventional vs. Sharia Insurance: An Empirical Study on Financial Performance and Risk Management
No full textThe Indonesian insurance industry, both conventional and Sharia insurance companies, has experienced significant growth in recent years. However, differences in operational frameworks, regulatory requirements, and investment restrictions raise questions about the financial stability and efficiency of these two insurance models. This study aims to compare the financial performance of conventional and Sharia insurance companies in Indonesia from 2022 to 2024 using the Early Warning System (EWS) and Risk-Based Capital (RBC) methods. Employing a comparative research design, this study utilizes secondary data from annual financial reports. The Mann-Whitney U-test is applied to examine statistical differences between the two types of insurance companies across eleven financial ratios. The results indicate significant differences in nine out of eleven ratios, namely the Solvency Margin Ratio, Underwriting Ratio, Claim Expense Ratio, Commission Ratio, Investment Return Ratio, Liquidity Ratio, Investment to Technical Reserve Ratio, Premium Growth Ratio, and RBC Ratio. The analysis demonstrates that Sharia insurance companies outperform their conventional counterparts across multiple metrics. While the Retention and Technical Reserve ratios show no significant variation, the overall findings substantiate the superior financial performance and risk management capabilities of Sharia insurance companies during the study period. These findings suggest that Sharia insurance companies demonstrate stronger financial performance compared to their conventional counterparts within the study period. The study highlights the financial resilience and risk management effectiveness of Sharia insurance, providing valuable insights for regulators, investors, and industry stakeholders.========================================================================================================ABSTRAK - Asuransi Syariah vs. Konvensional: Studi Empiris terhadap Kinerja Keuangan dan Manajemen Risiko. Industri asuransi di Indonesia, baik asuransi konvensional maupun syariah, telah mengalami pertumbuhan yang pesat dalam beberapa tahun terakhir. Namun, perbedaan dalam kerangka operasional, regulasi, dan batasan-batasan investasi memunculkan persoalan terkait stabilitas keuangan dan efisiensi dari kedua jenis asuransi tersebut. Penelitian ini bertujuan untuk membandingkan kinerja keuangan asuransi konvensional dan syariah di Indonesia pada periode 2022-2024 dengan menggunakan metode Early Warning System (EWS) dan Risk-Based Capital (RBC). Data penelitian berasal dari laporan keuangan tahunan yang kemudian dianalisis dengan desain penelitian komparatif. Untuk menguji perbedaan statistik antara kedua jenis asuransi tersebut, penelitian ini menggunakan Uji Mann-Whitney U terhadap sepuluh rasio keuangan EWS dan satu rasio RBC. Hasil penelitian menunjukkan adanya perbedaan signifikan pada sembilan dari sebelas rasio, yaitu Rasio Solvabilitas, Rasio Underwriting, Rasio Beban Klaim, Rasio Komisi, Rasio Pengembalian Investasi, Rasio Likuiditas, Rasio Investasi terhadap Cadangan Teknis, Rasio Pertumbuhan Premi, dan Rasio RBC. Hasil tersebut menunjukkan bahwa perusahaan asuransi syariah mengungguli asuransi konvensional dalam sebagian besar metrik yang diuji. Meskipun rasio Retensi dan Cadangan Teknis tidak menunjukkan variasi signifikan, temuan keseluruhan membuktikan keunggulan kinerja keuangan dan kemampuan manajemen risiko perusahaan asuransi syariah selama periode penelitian. Temuan ini menunjukkan bahwa asuransi syariah memiliki kinerja keuangan yang lebih kuat dibandingkan asuransi konvensional dalam periode penelitian. Studi ini juga menggarisbawahi stabilitas keuangan dan efektivitas manajemen risiko dalam asuransi syariah, memberikan wawasan yang berharga bagi regulator, investor, dan pemangku kepentingan industri
Islamic Capital Market Reactions to Political Transition: Evidence from Indonesia's 2024 Presidential Election
No full textThis study conducts an event analysis on the impact of the official announcement of the 2024 Indonesian presidential election results by the General Elections Commission (KPU) on stock market performance. The objective is to investigate changes in abnormal returns (AR) and trading volume activity (TVA) during an 11-day event window (±5 days surrounding the announcement date) and a 60-day estimation period. The sample comprises 30 companies listed on the Jakarta Islamic Index (JII), representing nine industry sectors, selected through saturated sampling. Analytical methods include the Paired T-test and the Wilcoxon Signed Rank Test to examine statistical differences in AR and TVA before and after the event. The findings reveal no significant difference in AR for the JII overall, although the consumer non-cyclicals sector displays a noteworthy deviation. In contrast, a significant change in TVA is observed, particularly within the basic materials sector. These results underscore the importance for investors in the Islamic capital market to remain attentive to political developments that may affect asset performance. The study provides meaningful insights for investors, regulators, and academics regarding portfolio diversification and risk management in the context of political uncertainty, contributing to the broader discourse on Islamic capital markets.
Abstrak
Reaksi Pasar Modal Syariah terhadap Transisi Politik: Studi Kasus Pemilihan Presiden Indonesia 2024. Penelitian ini menganalisis dampak pengumuman resmi hasil Pemilu Presiden 2024 oleh Komisi Pemilihan Umum (KPU) terhadap kinerja pasar saham, khususnya pada indeks saham syariah. Tujuannya adalah untuk mengetahui perubahan return tidak normal (abnormal return/AR) dan aktivitas volume perdagangan (TVA) selama periode peristiwa selama 11 hari (5 hari sebelum dan sesudah pengumuman), serta periode estimasi selama 60 hari. Sampel penelitian terdiri dari 30 perusahaan dalam Jakarta Islamic Index (JII) dari 9 sektor industri, menggunakan metode sampling jenuh. Pengujian dilakukan dengan uji Paired T-test dan Wilcoxon Signed Rank Test. Hasilnya menunjukkan tidak ada perbedaan signifikan dalam AR secara keseluruhan pada indeks JII, namun terdapat perbedaan signifikan pada sektor konsumer non-siklikal. Sementara itu, terdapat perubahan signifikan pada TVA, khususnya di sektor bahan dasar (basic materials). Temuan ini menegaskan pentingnya kewaspadaan investor di pasar saham syariah terhadap dinamika politik yang dapat mempengaruhi portofolio. Penelitian ini memberikan wawasan bagi investor, regulator, dan akademisi terkait strategi diversifikasi dan manajemen risiko dalam menghadapi ketidakpastian politik, serta memperkaya kajian literatur tentang pasar modal syaria
When Customers Complain: The Value of Self Efficacy in Service Recovery Performance
No full textWith the growing importance of Islamic hospitality in Indonesia's tourism sector, understanding the psychological pressures faced by frontline employees becomes crucial for maintaining service quality and organizational competitiveness. This study aims to investigate the relationship between customer-related social stressors (ambiguous customer expectations, disliked customers, disproportionate customer expectations, and customer verbal aggression) and their effects on emotional exhaustion and service recovery performance, while examining the moderating role of self-efficacy among frontline employees in Islamic hotels. Using a quantitative approach, primary data were collected through questionnaires distributed to 559 frontline employees of Islamic hotels across Indonesia and analyzed using Structural Equation Modeling (SEM) with AMOS 24 software. The findings reveal that ambiguous customer expectations, disproportionate customer expectations, and customer verbal aggression significantly increase emotional exhaustion among employees, while interactions with disliked customers showed no significant effect. Emotional exhaustion was found to negatively impact service recovery performance, with higher exhaustion levels leading to diminished recovery efforts. Importantly, self-efficacy emerged as a significant moderator, mitigating the adverse effects of emotional exhaustion on service recovery performance, enabling employees with high self-efficacy to maintain optimal performance despite experiencing emotional stress. These results have important implications for Islamic hotel management, emphasizing the need to implement comprehensive programs that enhance employee self-efficacy through interpersonal skills training, stress management, and spiritual enrichment initiatives that align with Islamic values, ultimately improving employee well-being and service quality in the halal tourism industry.
Abstrak
Saat Pelanggan Komplain: Peran Efikasi Diri dalam Optimalisasi Kinerja Pemulihan Layanan. Dengan meningkatnya peran perhotelan syariah dalam sektor pariwisata Indonesia, pemahaman terhadap tekanan psikologis karyawan frontline menjadi krusial karena berkaitan erat dengan kualitas layanan dan daya saing organisasi. Penelitian ini bertujuan untuk mengkaji hubungan antara stressor-stressor sosial yang berkaitan dengan pelanggan seperti ekspektasi pelanggan yang ambigu, pelanggan yang tidak disukai, ekspektasi pelanggan yang tidak proporsional, dan agresi verbal pelanggan serta pengaruhnya terhadap kelelahan emosional dan kinerja pemulihan layanan, sambil menguji peran moderasi efikasi diri di antara karyawan frontline hotel syariah. Data penelitian dikumpulkan melalui angket yang didistribusikan kepada 559 karyawan frontline hotel syariah di seluruh Indonesia yang kemudian dianalisis menggunakan Structural Equation Modeling (SEM) dengan software AMOS 24. Hasil penelitian menunjukkan bahwa ekspektasi pelanggan yang ambigu, tidak proporsional, dan agresi verbal secara signifikan meningkatkan kelelahan emosional di antara para karyawan, sementara interaksi dengan pelanggan yang tidak disukai tidak menunjukkan pengaruh signifikan. Kelelahan emosional terbukti berdampak negatif pada kinerja pemulihan layanan, dengan tingkat kelelahan yang lebih tinggi menyebabkan berkurangnya upaya pemulihan. Selain itu, penelitian ini menunjukkan bahwa efikasi diri berperan sebagai moderator yang signifikan dalam meredam dampak negatif kelelahan emosional terhadap kinerja pemulihan layanan. Karyawan dengan efikasi diri tinggi memiliki keyakinan dan kemampuan untuk mengatasi tantangan, sehingga dapat tetap berkinerja optimal meskipun mengalami stres emosional. Penelitian ini memiliki implikasi penting bagi manajemen hotel syariah yang menekankan perlunya program komprehensif dalam meningkatkan efikasi diri para karyawan, seperti pelatihan keterampilan interpersonal, manajemen stres, dan pengayaan spiritual, yang pada akhirnya meningkatkan well-being karyawan dan kualitas layanan dalam industri pariwisata halal
Charting New Frontiers in Islamic Economics and Finance: Innovation, Sustainability, and Inclusive Development
No full textThis issue brings together innovative research at the nexus of Islamic economic principles and sustainable development. It includes studies of community-based finance and empowerment, such as rotating savings and credit associations, and initiatives in the halal industry that uplift marginalized groups. Other papers examine the digital transformation of Islamic finance, assessing how religiosity and financial literacy influence fintech adoption and exploring investor behavior in Islamic markets. The issue also examines Shariah governance in the context of green banking and corporate sustainability, and analyzes Islamic banks’ efficiency under economic stress; additionally, a systematic review of IFRS adoption in Islamic banking highlights regulatory convergence. Together, these contributions advance theoretical understanding and provide practical guidance for an inclusive, risk-aware, and sustainable Islamic finance sector
THE USE OF THEMATIC DICTIONARIES AS A MEDIUM FOR EARLY CHILDHOOD LANGUAGE DEVELOPMENT
No full textThis study uses three-language thematic dictionaries (English, Arabic, and Indonesian) to examine how early childhood language development recognizes foreign vocabulary. Classroom Action Research is applied in this study and is conducted in three cycles, with two sessions per cycle. The study focuses on the child's ability to identify words in the themed dictionary. Fourteen kindergarten students become the subject of the study. Documentation and observation are used in the data-gathering process for this study. Thematic dictionaries are used in the learning process to introduce vocabulary while focusing on each theme through various learning strategies. The study's findings were 33% for cycle I presentations, 75% for cycle II, and 94% for cycle III. Thus, three-language thematic dictionaries (English, Arabic, and Indonesian) can help young children enhance their language skills.
PERAN ORANG TUA DALAM PENDIDIKAN KARAKTER ANAK USIA DINI DI KELURAHAN PURWOMARTANI
No full textPenelitian ini bertujuan untuk mengetahui “Peran orang tua dalam pendidikan karakter anak usia dini. ”.Metode yang digunakan dalam penelitiaan ini adalah kualitatif dengan pendekatan Fenomenologi. Pengumpulan data menggunakan observasi,wawancara dan dokumentasi. Subjek Penelitiannya adalah orangtua di kelurahan Purwomartani, Kalasan, Sleman Yogyakarta sebanyak 20 orang. Data penelitian terbagi menjadi dua yaitu data primer dan data sekunder.Adapun analisis datanya menggunakan analisis deskripstif kualitatif dengan tehnik comparative.Hasil penelitiaan menunjukkan bahwa peran orang tua dalam pendidikan karakter anak usia dini adalah mengembangkan karakter sejak dini, dengan pembiasaan, mengajarkan kedisiplinan, memberikan keteladanan, bimbingan dalam beribadah kepada Allah serta membangun hubungan yang baik dengan orang tua dan teman sebaya.Kata Kunci; Anak Usia Dini; Pendidikan karakter; Peran orang tu