Journal Online Sekolah Tinggi Agama Islam Negeri (STAIN) Kediri
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STUDI ANALISIS TERHADAP FAKTOR RISIKO PEMBIAYAAN MUSYARAKAH PADA BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH
Full text linkTujuan penelitian ini guna menganalisis risiko terkait penggunaan sistem pembiayaan musyarakah pada bank umum syariah dan unit usaha syariah yang berada di Indonesia. Metode penelitian berupa research library yaitu menggunakan sumber-sumber dari ebook, jurnal dan sumber dari internet lainnya. Fokus penelitian ini terkait risiko pembiayaan musyarakah dan faktor-faktornya pada perbankan syariah dan unit usaha syariah. Adapun analisis data yang digunakan berdasarkan pada laporan keuangan yang diterbitkan di website resmi OJK yang diolah pada tahun 2016 hingga bulan Januari tahun 2020. Hasil data yang menunjukkan bahwa rasio terhadap risiko pembiayaan musyarakah tahun 2016 pada sistem perbankan syariah di Indonesia mengalami kenaikan hingga tahun 2018. Namun mengalami penurunan jumlahnya pada tahun 2019 sampai tahun 2020. Hal tersebut tentunya disebabkan oleh banyak faktor yang mempengaruhinya. Jenis pembiayaan sistem bagi hasil musyarakah memiliki beberapa syarat-syarat yang pastinya menguntungkan kedua belak pihak yang bekerja sama, baik dari segi pendapatan hingga modal. Oleh karena itu, sebelum melakukan kontrak kerja sama, kedua belah pihak dianjurkan untuk menganalisis risiko pembiayaan yang kemungkinan dapat terjadi
Indonesian L2 Learners' Resilience and Self-directed Learning in Online Classes: A Correlational Study
No full textThe present study aimed to investigate Indonesian second language (L2) learners’ level of resilience and the relationship between their resilience and their self-directed learning (SDL) in an online learning setting at the time of the Covid-19 pandemic. The present study used a survey method by distributing Google Form questionnaires. The participants were 187 university student participants taking English for Academic Purposes (EAP) classes online in their respective departments. It was conducted to fill the void in resilience literature in the Indonesian L2 context and to find out the Indonesian learners’ resilience in the online learning setting as well as to know whether learners’ resilience was associated with their SDL, a critical element to succeed in online learning. The study found that learners possessed a high level of resilience. Learners were found to have a high level of realistic optimism and self-discipline, prominent characteristics of resilience. However, they reported a slightly lower level of capability in handling multiple tasks at the same time. The study further found that learners’ resilience was significantly, moderately, and positively correlated with their SDL. Based on the findings, possible contributions and implications are stated alongside the limitations of the study and possible directions for future research
ANALISIS KONSEP HERMENEUTIKA HADIS PERSPEKTIF MUHAMMAD ARKOUN
Full text linkThe formation of hadith text is a response to the existence of past realities, both micro and macro, so that the language contained in the text follows the context at the time of the formation of the text. The development of language and dynamics of life is increasingly significant, of course the text is not able to reach comprehensively when only based on textualist and dogmatic understanding. Because, the events behind the formation of the text are different from the reality that occurs at this time. Therefore, it takes a method that can break the freeze of the text to gain comprehensive and contextual meaning to the demands of the times. In this study, using qualitative method to analyze in the form of verbal narrative based on data facts that are rationalizm. Muhammad Arkoun as a neo-modernist thinker tried to interpret the concept of hermeneutics as a solution in solving the freeze of the text. The hermeneutic mindset of Arkoun focuses on philosophy as a dynamic thinking tool that is not limited to space and time. According to him, hermeneutics are inseparable from applied Islamology, semiotics and historical socio- The study of a diachronic and synchronic language becomes the main state of studying a text, resulting in a comprehensive thinking with critical reason based on phenomenological analysis
PLURALITAS TRADISI SEBAGAI PEMERSATU KEBERAGAMAN (UNITY OF DIVERSITY) DI DESA PLUMBON, YOGYAKARTA
Full text linkIn Yogyakarta, there are areas that have their own uniqueness about managing people’s diversity. The tradition (ritual) practiced by the people in Plumbon Village is an important part as a unifying difference from the diversity of religions and social communities. This study found a reinforcing factor for the reapengellization of a harmonious society, even though the community is heterogeneous both religiously and socially. Practically, mutual respect when celebrating certain religious traditions together is a construction that must be maintained so that the harmony of a plural society such as in Plumbon Village is sustainable and beneficial for the people and the harmonious state of Indonesia.Keyword: tradition, diversity, religion.
CRITICAL SUCCESS FACTORS ANALYSIS TOWARDS DEVELOPMENT OF SHARIAH TOURISM REGENCY KEDIRI
Full text linkPengembangan pariwisata syariah harus memenuhi persyaratan syariah, antara lain destinasi wisata, hotel atau restoran, akomodasi, transportasi, biro perjalanan, pemandu dan tempat ibadah. Critical Success Factor merupakan alat analisis dalam manajemen perusahaan yang menjadi pertimbangan penting bagi manajemen untuk mencapai visi dan misi perusahaan. Pengelolaan pengelolaan wisata syariah di daerah membutuhkan sistem pengelolaan yang profesional melalui Critical Success Factors.Tujuan dari penelitian ini adalah untuk mengetahui Critical Success Factors bagi pengembangan wisata syariah di Kabupaten Kediri dan pertumbuhan strategis keunggulan kompetitif wisata syariah di Kabupaten Kediri. Jenis penelitian ini adalah deskriptif kualitatif.Hasil penelitian ini menunjukkan bahwa: CSF pengembangan pariwisata di Kabupaten Kediri meliputi: budaya dari Kerajaan Joyoboyo mendominasi aspek sosial budaya Kabupaten Kediri, oleh karena itu perlu dilakukan studi yang melibatkan pemerintah daerah serta masyarakat setempat, mengingat budaya kerajaan Joyoboyo sangat lekat dengan sosial budaya. Perlu ada regulasi dari Kementerian Pariwisata tentang pengembangan wisata syariah di pemerintah daerah. Selain itu, semua destinasi wisata di Kabupaten Kediri belum memiliki sertifikasi halal. Strategi mewujudkan keunggulan daya saing pariwisata di Kabupaten Kediri, bahwa pengembangan destinasi wisata religi kunjungan ke makam pemuka agama berpotensi untuk dikembangkan wisata syariah. Untuk itu diperlukan sertifikasi halal dari MUI.Kata kunci: Critical, Development, Factors, Syariah, Wisat
IKHTIAR AKADEMIK MEMBUMIKAN DAN MEMANfAATKAN PRODUK INTELEKTUAL KE RANAH PUBLIc
Full text linkSince knowledge obtains materials from this life to be examined and developed, it should have further been beneficial to life. In addition, a serious research or study fulfilled by its principles is an internal strategic - positive work, whereas a serious effort to ensure the research results have been truly useful to life is also an external strategic – positive one. Departing from this thought, the author proposes a concept of Bedah jurnal (Journalreview) as a strategic positive effort to guarantee, as an external work, the life has received the advantages of the research findings. Thus, Bedah jurnal is an external effort, which technically is similar to Bedah buku (book review), done by inviting the selected writers of the published articles at each issue and attended by the stakeholders. At the final part of this paper, the author explains how this Bedah jurnal is believed to give great advantages to the lectures or writers, institutions or campuses, and to the nation and society
Pengaruh Penguasaan Materi, Kemampuan Menggunakan IT Dan Kemampuan Mengembangkan Materi Pai Terhadap Prestasi Belajar Siswa (Studi Eksploratif di SMP Islam Al-Azhar 18 Salatiga)
Full text linkABSTRACT This study aims to find and analyze the effect of teachers' ability to master the material and the ability to use IT with PAI learning achievement through the ability to develop material as an intervening variable in students of SMP Islam Al Azhar 18 Salatiga in 2021. This type of research uses quantitative research, with a sample of 30 student. The variables studied include Mastery of Materials, Ability to Use IT, Ability to Use IT. The method of collecting data is through questionnaires, data analysis uses statistical analysis with simple regression analysis, multiple regression, and path analysis and is strengthened by classical assumption tests. PAI learning achievement is positive and significant. This is because it is known that the correlation between the two variables has a t-count value greater than the t-table value (3.495 1.697) or the value of Sig. (2-tailed) of 0.000 0.05. (2) The effect of the ability to use IT on PAI learning achievement is not significant. . This is because the relationship between the two variables has a greater t-count value with a t-table value of -1.847 1.697 or the value of Sig. (2-tailed) of 0.076 0.05. (3) The effect of the ability to develop material on PAI learning achievement is positive and significant. This is because the relationship between the two variables has a greater t-count value with a t-table value of 4.143 1.697 or the value of Sig. (2-tailed) of 0.000 0.05. (4) there is no significant effect between mastery of the material and the ability to use IT on PAI learning achievement at SMP Islam Al-Azhar 18 Salatiga through the ability to develop material as an intervening variable. This is because there is one path, namely the ability to use IT which has no significant effect on PAI learning achievement at Al-Azhar 18 Islamic Middle School Salatiga through the ability to develop material as an intervening. Keywords: Mastery of Materials, Ability to Use IT, Ability to Develop Materials and Learning Achievement ABSTRAK Penelitian ini bertujuan untuk menemukan dan menganalisis pengaruh kemampuan guru dalam menguasai materi dan kemampuan menggunakan IT dengan prestasi belajar PAI melalui kemampuan mengembangkan materi sebagai variabel intervening pada siswa SMP Islam Al Azhar 18 Salatiga tahun 2021. Jenis penelitian ini menggunakan penelitian kuantitatif, dengan sampel sebanyak 30 siswa. Variabel yang diteliti meliputi kemampuan penguasaan materi berbasis IT, Kemampuan Menggunakan IT, Kemampuan Menggunakan IT. Metode pengumpulan data melalui angket, analisis data menggunakan analisis statistik dengan analisis regresi sederhana, regresi ganda, dan analisis jalur serta diperkuat dengan uji asumsi klasik. Berdasarkan hasil penelitian di SMP Islam Al-Azhar 18 Salatiga menunjukkan bahwa: (1) Pengaruh Penguasan Materi terhadap Prestasi Belajar PAI adalah positif dan signifikan. Hal ini karena diketahui korelasi antara kedua variabel tesebut memiliki nilai t hitung lebih besar dengan nilai t tabel (3,495 1,697) atau nilai Sig. (2-tailed) sebesar 0,000 0,05. (2) Pengaruh kemampuan menggunakan IT terhadap prestasi belajar PAI adalah tidak siqnifikan. Hal ini karena hubungan antara kedua variabel tesebut memiliki nilai t hitung lebih besar dengan nilai t tabel yaitu -1,847 1,697 atau nilai Sig. (2-tailed) sebesar 0,076 0,05. (3) Pengaruh Kemampuan Mengembangkan Materi dengan prestasi belajar PAI adalah positif dan signifikan. Hal ini karena hubungan antara kedua variabel tesebut memiliki nilai t hitung lebih besar dengan nilai t tabel yaitu 4,143 1,697 atau nilai Sig. (2-tailed) sebesar 0,000 0,05. (4) Tidak ada pengaruh yang signifikan antara penguasaan materi dan kemampuan menggunakan IT terhadap prestasi belajar PAI di SMP Islam Al-Azhar 18 Salatiga melalui kemampuan mengembankan materi sebagai variabel intervening. Hal ini karena terdapat salah satu jalur yaitu kemampuan menggunakan IT yang tidak berpengaruh secara signifikan terhadap prestasi belajar PAI di SMP Islam Al-Azhar 18 Salatiga melalui kemampuan mengembangkan materi sebagai intervening. Kata Kunci : Penguasaan Materi, Kemampuan Menggunakan IT, Kemampuan Mengembangkan Materi dan Prestasi Belajar
Resiliensi Anak Jalanan yang Bersekolah di Rumah Singgah Diponegoro Surabaya
Full text linkThis study aims to describe the causes of decreased resilience of street kids and also to describe the factors that make children classified as having resilience or not. The approach used in this research is a qualitative approach with a case study design. The subjects in this study were street kids who to school at the Diponegoro Halfway House. Â Â Â Â Â Â Â Â Â Â Â Collecting data using interviews, observation, and documentation. From the results of the research conducted, it was found that the resilience of the four research subjects. Subjects had the ability of seven aspects of resilience with different strengths. Economic conditions and parental affection are several reasons why children take to the streets. At their age, who should be used to study in school, it is still a big task for educators. Not all street children who go to school have good resilience abilities, as the results of this study. The results showed that in general the street kids at Diponegoro Halfway House had good abilities and there was one subject who was not resilient. The different in strength is due to family background, the origin, of the child taking to different paths and associations at school. Â Keywords : resilience, street kids
Pengaruh Penggunaan Aplikasi Tik Tok Terhadap Perilaku Adicted Siswa SLTA Di Kota Pekanbaru
Full text linkThis study aims to determine the effect of the short video Tik Tok application on the existence of senior high school students. The theory used in this research is the CMC (Computer Mediated Communication) theory which is applied by the media to users which causes mood modification, tolerance, withdrawal, and conflict. The research approach used a quantitative approach using the Rho Spearman correlation analysis. The data collection technique used a questionnaire.The results showed that there was a significant correlation between the use of the Tik Tok application and the existence of high school equivalent students in Pekan Baru Riau. There were 36 respondents in this study using purposive sampling technique. The coefficient value shows a correlation of 0.637 with a significance level of p = 0.000 (p 0.05), meaning that the higher the use of the Tik Tok application, the higher the existence of junior high school students. On the other hand, the lower the use of the Tik Tok application, the lower the existence of high school students. The Tik Tok application shows that it can channel the talents of its users to share hobbies, talents and expertise with everyone. The advantage of Tik Tok that other applications do not have is the completeness of various video features for its users. Although there are social media such as YouTube that offers video features in the form of video sharing channels, YouTube only provides channels for certain users who meet the requirements, not for everyone
PENGARUH PROMOSI TERHADAP KEPUTUSAN PENGGUNAAN OVO (Studi Pada Mahasiswa Fakultas Ekonomi dan Bisnis Islam IAIN Kediri Angkatan 2016)
Full text linkExperience in payments that are increasingly sophisticated in this era has become a trend in transacting when shopping for goods, paying a service or just paying monthly bills. The choice of payment method makes it easier for us to transact every day. One of them is electronic money. No exception with electronic money service from PT. Visionet International (OVO), they have a strategy in marketing their superior products services including promotions, which is an activity in attracting consumers to use the company's goods or services through the advantages of a product goods or services offered. Where promotions conducted by electronic money service companies (OVO) have an influence on the decision to use their services. This research uses methods with a field research approach. with descriptive quantitative analysis, simple regression analysis, coefficient of determination in interpreting existing phenomena. The results explain that promotion and usage decisions in the category are very good. Pearson's correlation analysis found a score of 0.661. This indicates that the promotional relationship with the purchase decision has a moderate regression relationship. From the results of the regression analysis obtained equation Y = 212.847 + 0.772X; if interpreted has the following meaning in the variable Decision Of Use (Y) will be worth 212,847 if there are no other variables that affect. If there is a Promotion variable (X) intervention, the Usage Decision (Y) variable will increase by 0.772 basis points in each increment. Based on the analysis of determinant coefficients, the value of R-square = 0.4367 (43.67%), which indicates that the Usage Decision (Y) variable in the regression model is capable of being influenced by the Promotion variable (X) of 43.67%, and the remaining 53.33% is influenced by other factors outside the regression model.Keywords: Promotion, Use Decision-Making, Electronic Money, Marketing, Cashless Transaction