Journal of IAIN Sultan Amai Gorontalo
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Analisis Financial Management Behavior Mahasiswa FEB Penerima KIP-K UPN “Veteran” Jawa Timur
Get PDFThis study aims to determine the influence of financial knowledge, financial attitude, locus of control, and lifestyle on financial management behavior. The study population was FEB UPN "Veteran" East Java students who received KIP-K. By using the simple random sampling method, and using the Slovin formula, 84 respondents were generated. Primary data obtained from the googleform questionnaire were used in this study. The analysis method used was Partial Least Square (PLS). The results showed that financial knowledge, financial attitude, locus of control, and lifestyle had a positive effect on financial management behavior.Keterampilan dan pengetahuan dalam kegiatan pengelolaan keuangan menjadi hal yang penting bagi mahasiswa. Financial management behavior merupakan salah satu tolak ukur kesuksesan mahasiswa dalam menyikapi keuangan yang dimiliki. Penelitian ini bertujuan untuk mengetahui pengaruh financial knowledge, financial attitude, locus of control, dan lifestyle terhadap financial management behavior. Populasi untuk penelitian ini adalah Mahasiswa FEB penerima Kartu Indonesia Pintar Kuliah (KIP-K) UPN “Veteran” Jawa Timur. Teknik penentuan sampel menggunakan metode simple random sampling dan didapatkan 84 responden menggunakan rumus slovin. Penelitian menggunakan data primer yang dihasilkan dari hasil kuesionerresponden. Penelitian menggunakan teknik analisis Partial Least Square (PLS). Hasil penelitian menunjukkan bahwa terdapat hasil pengaruh positif dari financial knowledge, financial attitude, locus of control, dan lifestyleterhadap financial management behavior. Mahasiswa dengan financial knowledge, financial attitude, locus of control, dan lifestyle yang baik dapat menjadikan financial management behavior yang baik dan terarah
Analisis Determinan Kelancaran Pengembalian Pembiayaan Murabahah BPRS Lantabur Tebuireng Lamongan: Pendekatan Regresi Linear Berganda
No full textThis study aims to identify several factors that influence the smooth return of murabahah financing to MSME customers with the research object at BPRS Lantabur Tebuireng Lamongan. This type of research data data was obtained from primary and secondary data. The method used is quantitative research with sample data processing techniques using multiple linear regression analysis. The sampling technique was carried out using purposive sampling and a research sample of 67 MSME customers who were still active until the end of 2023 was obtained. From the research results it was found that the variables age, level of education, number of family dependents, business turnover, and religiosity simultaneously influence the smooth return of murabahah financing as indicated by a significance value 0,000. Meanwhile, partial test results show that the factors that have a significant influence on the level of smooth returns on murabahah financing for MSME customers are age, business turnover, and religiosityThis study aims to identify several factors that influence the smooth return of murabahah financing to MSME customers with the research object at BPRS Lantabur Tebuireng Lamongan. This type of research data data was obtained from primary and secondary data. The method used is quantitative research with sample data processing techniques using multiple linear regression analysis. The sampling technique was carried out using purposive sampling and a research sample of 67 MSME customers who were still active until the end of 2023 was obtained. From the research results it was found that the variables age, level of education, number of family dependents, business turnover, and religiosity simultaneously influence the smooth return of murabahah financing as indicated by a significance value 0,000. Meanwhile, partial test results show that the factors that have a significant influence on the level of smooth returns on murabahah financing for MSME customers are age, business turnover, and religiosity
The Influence of E-Perceived Value, E-Service Quality, and E-Received Risks on E-Loyalty
Get PDFThe purpose will be to test the influence of perceived value, perceived service quality, and perceived risks on e-loyalty. In this study, a quantitative research approach is used. Quantitative research is research that uses data analysis in the form of numbers. The population that will be taken in this study is all customers who transact at PT Bank Syariah. The population in this study uses an infinite population, where the infinite population in this study is taken from a customer of PT Bank Syariah Indonesia, KCP Makassar Panakukang. The sampling technique used was accidental sampling, so the number of samples was 145 respondents. The data analysis method is multiple linear regression analysis. The results of the study found that perceived value has a significant effect on e-loyalty, service quality has a significant effect on e-loyalty, and perceived risk has a significant effect on e-loyalty
Kepercayaan Mobile Banking: Peran Keamanan dan Kualitas Layanan Elektronik dalam Mendorong Niat Bertransaksi Ulang
No full textThis study investigates the role of Security and Electronic Service Quality in influencing Repurchase Intention in the mobile banking application of Bank Sumsel Babel, with Trust as an intervening variable. Data collected from 131 respondents who actively use the mobile banking application were analyzed using Structural Equation Modeling (SEM) with Smart PLS 4. The results indicate that Electronic Service Quality significantly influences Repurchase Intention, both directly and indirectly through Trust as a mediator. Security, however, does not show a significant impact on Repurchase Intention, either directly or indirectly through Trust. Nonetheless, Security remains crucial in building initial Trust among users. This study provides insights for improving service quality and Security features to strengthen customer loyaltyPenelitian ini menyelidiki peran keamanan dan kualitas layanan elektronik dalam mempengaruhi niat pembelian ulang pada aplikasi mobile banking Bank Sumsel Babel dengan kepercayaan sebagai variabel intervening. Penelitian ini menggunakan metode Structural Equation Modeling (SEM) dengan Smart PLS 4 untuk menganalisis data yang dikumpulkan dari 131 responden yang secara aktif menggunakan aplikasi mobile banking. Hasil penelitian menunjukkan bahwa kualitas layanan elektronik berpengaruh signifikan terhadap niat pembelian ulang, baik secara langsung maupun tidak langsung melalui kepercayaan sebagai mediator. Sebaliknya, keamanan tidak menunjukkan pengaruh signifikan terhadap niat pembelian ulang, baik secara langsung maupun tidak langsung melalui kepercayaan. Meskipun demikian, keamanan tetap merupakan faktor penting dalam membangun kepercayaan awal di antara pengguna mobile banking. Hasil penelitian ini menyoroti pentingnya memprioritaskan perbaikan dalam kualitas layanan elektronik untuk meningkatkan pengalaman pengguna, membangun kepercayaan pelanggan yang lebih kuat, serta mendorong loyalitas dan penggunaan berulang aplikasi mobile banking. Penelitian ini memberikan wawasan praktis bagi Bank Sumsel Babel untuk terus meningkatkan fitur keamanan dan kualitas layanan elektronik guna memperkuat keterlibatan dan loyalitas pelanggan
Peran Moderator Customer Value dan Destination Satisfaction pada Hubungan Core Tourism Resources terhadap Destination Image: Studi Kasus Destinasi Desa Wisata
Get PDFThis study aims to examine the effect of core tourism resources on destination image and the moderating impact of customer value and destination satisfaction on the relationship between core tourism resources and destination image. Quantitative research approach with partial least squares structural equation modeling (PLS-SEM) analysis. Data were collected from 245 tourists from several tourist attractions in Gowa Regency. The results showed that natural resources and heritage resources have a positive effect on destination image. However, created resources do not affect destination image. Customer value can moderate the effect of Natural resources and created resources on destination image. However, customer value is unable to moderate the effect of heritage resources on destination image. Destination satisfaction is able to moderate the effect of natural resources and created resources on destination image. However, destination satisfaction does not moderate the effect of heritage resources on destination imageThis study aims to examine the effect of core tourism resources on destination image and the moderating impact of customer value and destination satisfaction on the relationship between core tourism resources and destination image. Quantitative research approach with partial least squares structural equation modeling (PLS-SEM) analysis. Data were collected from 245 tourists from several tourist attractions in Gowa Regency. The results showed that natural resources and heritage resources have a positive effect on destination image. However, created resources do not affect destination image. Customer value can moderate the effect of Natural resources and created resources on destination image. However, customer value is unable to moderate the effect of heritage resources on destination image. Destination satisfaction is able to moderate the effect of natural resources and created resources on destination image. However, destination satisfaction does not moderate the effect of heritage resources on destination imag
Disparitas Pemidanaan dalam Tindak Pidana Korupsi yang Mengakibatkan Kerugian Keuangan Negara
Get PDFThis study aims to analyze legal factors and factors of law enforcement officials that influence the disparity in sentencing for corruption which results in state losses. The type of research used is empirical normative legal research. The results of the study show that (1) the legal factor in the presence of disparity decisions regarding corruption crimes has not been optimal because the minimum criminal sanctions in the corruption law cause disparity in sentencing which is quite disturbing due to the non-uniformity in the provision of minimum sentences for similar offenses. (2) the factor of law enforcement officials as the cause of the disparity in sentencing of corruption case decisions is very clearly seen and felt to be very unfair to each other, there is no clear guideline regarding the prevention of disparity in corruption criminal rulings so law enforcement officers exercise their power to decide similar offenses the pretext of the judicial power law
Pertimbangan Hakim Dalam Memutuskan Perkara Perceraian Bagi Aparatur Sipil Negara Tanpa Surat Izin Atasan Perspektif Teori Maslahah: Studi Kasus Pengadilan Agama Parepare
No full textGovernment Regulation Number 45 of 1990 concerning Marriage and Divorce Permits for Civil Servants in article 3 stipulated that all civil servants intending to divorce had to have prior permission from their superiors or a letter of recommendation from a relevant official. This administrative requirement was mandatory, allowing the judge to consider and decide on divorce cases involving civil servants. This research employed field research with an empirical juridical approach, which was conducted directly to understand the real issues and was then linked to applicable laws, the legal certainty theory, and the maslahah theory (maintaining the objectives of shari\u27a and achieving benefits/avoiding harms). The research findings concluded that: 1) the divorce requirements in the maslahah theory aimed to reduce the divorce rate among civil servants. Superiors or authorized officials had the right to guide employees to try to preserve their marriages; 2) the Parepare Religious Court granted six months to obtain permission from superiors. If, by the specified deadline, the individual did not have this permission and still wished to divorce, they were required to submit a statement willing to bear the consequences of divorce without the superior\u27s permission. The related consequences were outlined in Government Regulation Number 94 of 2021 on Civil Servant Discipline; 3) there was a connection between the judge\u27s consideration and the maslahah theory. In addition to considering the applicable laws, the judge also took into account aspects of maslahah when making decisions. The maslahah obtained from a formal divorce in the Religious Court included legal certainty and justice in the judge\u27s divorce decree.Peraturan Pemerintah Nomor 45 Tahun 1990 Pasal 3 tentang izin perkawinan dan perceraian pegawai negeri sipil, mejelaskan bahwa seluruh pegawai negeri sipil yang akan bercerai wajib memiliki surat izin atasan atau surat keterangan lebih dahulu dari pejabat. Pesyaratan administrasi ini menjadi kewajiban sehingga Hakim dapat mempertimbangkan dan memutuskan perkara perceraian aparatur sipil negara tersebut. Penelitian ini menggunakan jenis penelitian lapangan dengan pendekatan yuridis empiris, penelitian yang dilakukan secara langsung untuk mengetahui permasalahan yang sebenarnya terjadi, kemudian akan dihubungkan dengan peraturan perundang-undangan yang berlaku serta teori kepastian hukum dan teori maslahah. Hasil penelitian ini menyimpulkan bahwa; 1) Persyaratan perceraian dalam teori maslahah berupaya untuk menekan tingkat terjadinya perceraian pada lingkungan aparatur sipil negara. Atasan atau pejabat yang berwenang berhak memberikan bimbingan agar pegawai tersebut berusaha mempertahankan rumah tangganya. 2) Pengadilan Agama Parepare memberikan waktu selama enam bulan untuk mendapatkan surat izin atasan, ketika sampai batas waktu yang ditentukan belum memiliki surat izin tersebut, dan pemohon/termohon tetap ingin bercerai maka ia dibebankan membuat surat pernyataan siap menanggung resiko sebagai akibat dari perceraian yang tidak memiliki surat izin atasan. Resiko yang terlampir pada Peraturan Pemerintah Nomor 94 Tahun 2021 tentang disiplin Pegawai Negeri Sipil. 3) Pertimbangan Hakim dengan teori maslahah terdapat keterkaitan, sebab Hakim dalam memutuskan perkara selain memperhatikan undang-undang yang berlaku, Hakim juga mempertimbangkan aspek kemaslahatan. Kemaslahatan yang didapatkan dari perceraian yang dilakukan secara resmi di Pengadilan Agama, berupa: adanya kepastian hukum dan keadilan dari putusan perceraian yang ditetapkan Hakim.
Kata Kunci: Aparatur Sipil Negara; Perceraian; Teori Maslahah
PENGARUH PEMAHAMAN FATWA MUI TERHADAP MINAT BELI MASYARAKAT MUSLIM PADA PRODUK ISRAEL DAN YANG TERAFILIASI
No full textThe conflict between Palestine and Israel has caused mixed responses in society. This war which claimed tens of thousands of lives gave rise to various humanitarian actions, one of which was the response of the Indonesian Ulama Council (MUI) which issued a fatwa regarding the legal status of support for the Palestinian struggle, namely a fatwa discussed the clause regarding the prohibition on consuming Israeli and affiliated products. This research aims to identify how much influence the understanding of MUI Fatwa No. 83 of 2023, regarding the Muslim community\u27s buying interest in Israeli and affiliated products. This quantitative research uses a data collection technique in the form of a questionnaire distributed via Google Forms to the Muslim community in Semarang, and the data analysis technique used is simple regression using the W-Stats version 2.0 program to process the data. This research uses 1 independent variable, namely Understanding MUI Fatwa No. 83 in 2023, and 1 dependent variable, namely buying interest. Data was obtained from questionnaires distributed to 50 subjects from the Semarang Muslim community who were selected using a probability sampling technique using a simple random sampling method and measured using a Likert scale. The research results show the influence of understanding MUI Fatwa No. 83 Yr. 2023 is a significant year for the lack of public interest in purchasing Israeli and affiliated products. Where the regression coefficient value is 2.011% (0.02) which is smaller than 5% (0.05). The public\u27s understanding of fatwas that influence purchasing interest in Israeli products and affiliated ones is a behavior or attitude in line with Ibn al-Qayyim\u27s concept of saddu al-dzari\u27ah. In this context, avoiding the purchase or consumption of such products serves as a means of preventing potential harm (mafsadat) and danger (mudharat).Konflik yang terjadi antara Palestina dan Israel menimbulkan respon yang beraneka ragam di tengah masyarakat. Peperangan yang menelan puluhan ribu korban jiwa ini memunculkan beragam aksi kemanusiaan, salah satunya respon Majelis Ulama Indosesia (MUI) yang mengeluarkan fatwa tentang status hukum dukungan terhadap perjuangan Palestina, yaitu fatwa yang di dalamnya membahas klausul tentang larangan untuk mengkonsumsi produk-produk Israel dan yang terafiliasi. Penelitian ini bertujuan untuk mengidentifikasi seberapa besar pengaruh pemahaman Fatwa MUI No. 83 tahun 2023, terhadap minat beli masyarakat muslim pada produk Israel dan yang terafiliasi. Penelitan kuantitatif ini menggunakan tehnik pengumpulan data berupa kuesioner yang disebarkan melalui Google Form kepada masyarakat muslim di Semarang, dan tehnik analisis data yang dipakai adalah regresi sederhana dengan menggunakan program W-Stats versi 2.0 untuk mengolah data. Penelitian ini menggunakan 1 variabel independen yaitu Pemahaman Fatwa MUI No. 83 tahun 2023 dan 1 variabel dependen yaitu minat beli. Data yang didapatkan dari kuisioner yang disebarkan kepada 50 subjek masyarakat muslim Semarang yang terpilih melalui teknik probability sampling dengan metode simple random sampling dan diukur menggunakan skala likert. Hasil penelitian menunjukan pengaruh pemahaman terhadap Fatwa MUI No. 83 Th. 2023 adalah signifikan terhadap kurangnya minat beli masyarakat terhadap produk Israel dan yang terafiliasi. Dimana nilai koefisien regresi adalah 2,011 % (0,02) lebih kecil dari pada 5 % (0,05)
Pemekaran Daerah Wilayah di Tana Luwu Perspektif Kedatuan Luwu, Undang-Undang Nomor 9 Tahun 2015 dan Hukum Islam
Get PDFThe purpose of this research is to find out the views and aspirations of the Kedatuan Luwu regarding the process of regional expansion that has an impact on the cultural and historical identity of the region, as well as evaluating the perceptions of the local government regarding Law Number 9 of 2015 and the implementation of regional expansion of Tana Luwu. This type of research is qualitative research with data collected through in-depth interviews with key informants such as local government, community leaders, academics, and related experts. In addition, data will also be obtained through document analysis and direct observation in the field. The results of the study show that: (1) the importance of regional expansion in Tana Luwu; (2) a comprehensive evaluation from various aspects, including political, economic, and cultural. The establishment of the Greater Luwu Province is considered necessary as a solution to overcome the problems that occur related to improving access to government services, more equitable infrastructure development, and more equitable distribution of resources
Pembelajaran Bahasa Berbantuan Komputer dalam pengajaran Bahasa Inggris bagi Anak-Anak; Sebuah Analisis Bibliometrik
No full textComputer-assisted language Learning (CALL) is a learning method that uses computers as auxiliary media to facilitate language learning. This study aims to provide a comprehensive overview of the development of research in Computer-Assisted Language Learning (CALL) in the last five years based on the Scopus database. This quantitative study uses bibliometric analysis with the search keyword Computer-Assisted Language Learning (CALL). The results of this study highlight a significant increase in the number of articles about Computer-Assisted Language Learning (CALL) indexed by Scopus every year, starting from 142 articles in 2018 and 2023, which increased to 251. The type of publication is dominated by journal articles, followed by conference papers and reviews, and the rest in the form of books or book chapters. The largest source of publications comes from Lecture Notes in Computer Science (including the subseries Lecture Notes in Artificial Intelligence and Lecture Notes in Bioinformatics) with 29 publications. Our comprehensive analysis reveals a significant downward trend in citations from 2018 to 2023. Furthermore, based on the visualization using VOSviewer shows the use of AI technology in language teaching and the impact of digital media on language learning. The results of this study show that it is essential to continue to review and evaluate the factors influencing the dissemination and acceptance of CALL research. Moreover, it is crucial to reinforce the continuity between technological innovation and practical practice in various areas of life, thereby highlighting the real-world impact of CALL research.Sejumlah besar bukti telah menunjukkan manfaat teknologi dalam pemerolehan Bahasa. Bagi pembelajar bahasa, teknologi internet telah menyediakan input dan output yang diakomodir. Sebagai komponen teknologi, situs web telah berhasil mengajarkan empat keterampilan bahasa. Selain itu, situs website juga telah menjadi daya tarik bagi akademisi bahasa untuk meneliti berbagai macam topik terkait bahasa seperti tata bahasa dan lainnya. Penelitian ini bertujuan untuk memberikan gambaran mengenai CALL dalam pembelajaran bahasa Inggris bagi anak-anak. Studi ini menggunakan perangkat lunak Publish or Perish (PoP) untuk mengambil dan menganalisis artikel yang diindeks oleh crossref terkait dengan CALL dalam pembelajaran bahasa Inggris bagi anak-anak dari tahun 2020 hingga 2023. Penelitian ini juga menggunakan VOSviewer untuk memetakan publikasi penelitian ilmiah tentang CALL dalam pembelajaran bahasa Inggris untuk anak-anak. Selain itu, Penelitian ini menggunakan VOSviewer untuk menganalisis co-occurrence dari setiap artikel tentang CALL. Penelitian ini menyimpulkan bahwa Computer-Assisted Language Learning (CALL) atau pembelajaran/instruksi berbasis web menunjukkan bahwa integrasi teknologi dalam pembelajaran bahasa memiliki dampak yang baik. Indeks kata kunci menunjukkan perkembangan penelitian yang memicu penelitian yang lebih baru dan lebih spesifik. Penelitian ini juga telah menunjukkan analisis representasi grafis dari peta bibliometrik dan menemukan hubungan CALL dan pembelajaran Bahasa Inggris bagi anak-anak. Meskipun penelitian ini menjelaskan tren penelitian global terkait CALL dalam pembelajaran bahasa Inggris bagi anak-anak, penelitian ini memiliki keterbatasan terkait analisis sumber data