E-Journal UMSIDA (Universitas Muhammadiyah Sidoarjo)
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Methods and Analysis of Assessment of The Level of Economic Efficiency
No full textGeneral Background: Economic efficiency assessment plays a crucial role in guiding strategic and financial decision-making across industries. Specific Background: In the construction sector, evaluating enterprise-level efficiency remains a complex task due to diverse operational factors and inconsistent application of assessment tools.Knowledge Gap: Existing literature offers various models such as cost-benefit analysis, efficiency ratios, DEA, and stochastic frontier analysis; however, limited studies critically compare these methods or explore their integrated applicability to real-world construction industry data. Aims: This study aims to analyze and compare methods for assessing economic efficiency, with a focus on construction enterprises, and to propose a robust evaluation framework. Results: The analysis demonstrates that different tools capture varying dimensions of efficiency, with DEA and the DuPont model offering complementary insights when applied to enterprise data. Novelty: The article introduces a comprehensive evaluation model that integrates quantitative and qualitative indicators, addressing methodological limitations and enhancing contextual relevance. Implications: Findings underscore the need for tailored assessment strategies that align with organizational objectives, and suggest future directions for refining hybrid models to support sustainable economic planning and resource optimization in industrial enterprises.
Highlights:
Highlights comparative analysis of efficiency assessment methods.
Emphasizes integrated use of quantitative and qualitative tools.
Offers practical implications for strategic economic planning.
Keywords: Economic Efficiency, Construction Industry, DuPont Model, Data Envelopment Analysis, Performance Evaluatio
The Foundation of Academic Excellence and Student Achievement Based on Qur'anic Tahfid: Pondasi Keunggulan Akademis dan Prestasi Siswa Berbasis Qur’anic Tahfid
Get PDFGeneral background: Memorization of the Qur’an (Qur’anic Tahfid) is a central practice in Islamic education that extends beyond religious devotion to cognitive and emotional development. Specific background: Previous studies suggest that Qur’anic Tahfid fosters memory, discipline, and motivation, which are essential for academic excellence. Knowledge gap: However, the relationship between psychological conditions and the effectiveness of Qur’anic Tahfid remains underexplored, with limited empirical evidence connecting memorization practices to academic achievement in modern educational contexts. Aims: This study aims to analyze the influence of Qur’anic Tahfid on students’ academic performance by reviewing indexed scientific literature published between 2020–2025. Results: Findings indicate a significant positive correlation between Qur’anic memorization and academic outcomes, where students excelling in Tahfid consistently demonstrate superior performance in other subjects, supported by enhanced memory control, discipline, and emotional regulation. Novelty: This research highlights Qur’anic Tahfid as not only a spiritual practice but also a pedagogical strategy that strengthens cognitive functions and psychological resilience. Implications: Integrating Qur’anic Tahfid into formal curricula provides a holistic educational approach that promotes intellectual, emotional, and moral development, positioning it as a foundation for academic excellence and lifelong learning.
Highlights:
Qur’anic Tahfid enhances memory, discipline, and motivation.
Strong correlation exists between Tahfid and academic achievement.
Integration into curricula supports holistic student development.
Keywords: Qur’anic Tahfid, Academic Excellence, Cognitive Development, Emotional Regulation, Holistic Educatio
Student Savings Decisions Based on Sharia Compliance and Banking Factors: Keputusan Tabungan Mahasiswa Berdasarkan Kepatuhan Syariah dan Faktor Perbankan
No full textGeneral Background: Islamic banking has grown significantly in Indonesia, particularly among students seeking Sharia-compliant financial services. Specific Background: Bank Sumut Syariah, as a regional Islamic bank, serves UINSU students whose preferences are influenced by religious and practical factors. Knowledge Gap: While many studies focus on national Islamic banks, limited research explores student behavior toward local Sharia banks like Bank Sumut Syariah. Aims: This study aims to identify and analyze the dominant factors affecting UINSU students’ decisions to save at Bank Sumut Syariah. Results: Using a sample of 100 students and multiple regression analysis, the findings show that Sharia compliance, security, trust, and facilities significantly affect savings decisions, with Sharia compliance being the most influential (B = 0.312). The model explains 60.2% of the variation in saving behavior (Adjusted R² = 0.602), and the research instrument is highly reliable (Cronbach’s Alpha = 0.931). Novelty: This research uniquely integrates four key variables into a localized behavioral model specific to a regional Islamic bank and student demographic. Implications: The results provide strategic insights for Islamic banks to prioritize Sharia integrity and responsive digital services to foster loyalty and align financial practices with students' religious and lifestyle values.Highlight :
Sharia compliance is the most influential factor in students’ saving behavior.
Security, trust, and facilities also have significant roles.
The model explains 60.2% of the decision variation using four key variables.
Keywords : Sharia Compliance, Security, Trust, Facilities, Saving Decision
 
Management Mechanisms for Synergetic Development of Tourism Industries in Uzbekistan: Mekanisme Pengelolaan untuk Pengembangan Sinergis Industri Pariwisata di Uzbekistan
No full textGeneral Background: The tourism sector is increasingly recognized as a critical component of national economic development due to its multifaceted impact on employment, infrastructure, and cultural preservation. Specific Background: In Uzbekistan, tourism reforms between 2020 and 2024 have aimed to accelerate growth through infrastructural investments, digital innovations, and policy shifts. Knowledge Gap: However, empirical studies focusing on synergistic management—particularly the integrated coordination among tourism sub-sectors—remain limited, especially in the Uzbek context. Aims: This study investigates the mechanisms and outcomes of synergistic development across hotel, transport, gastronomy, excursion, and information services in Uzbekistan’s tourism sector. Results: Using qualitative methods and statistical review, the study finds significant post-pandemic recovery in tourism revenue and infrastructure, yet highlights persistent challenges in inter-sectoral coordination, digital integration, and service standardization. Novelty: The paper introduces a contextualized model of synergistic tourism management tailored to Uzbekistan, integrating global theoretical frameworks with local empirical trends. Implications: The findings underscore the need for cohesive digital platforms, functional cluster governance, and competency-based workforce training to advance sustainable tourism and improve Uzbekistan’s global competitiveness.Higlights:
Post-Pandemic Growth: Tourist arrivals in Uzbekistan surged from 1.5 million (2020) to 6.6 million (2023) due to integrated reforms.
Infrastructure Expansion: Hotels, tourist companies, and transport services grew over 50%, enhancing service availability.
Low Coordination: Despite growth, weak cross-sector synergy and fragmented digital systems still limit overall tourism efficiency.
Keywords: Synergy, Tourism, Infrastructure, Cluster, Uzbekistan
 
Branding Strategies as a Tool for Competitive Growth in Local Pharmaceuticals: Strategi Branding sebagai Alat untuk Pertumbuhan Kompetitif di Industri Farmasi Lokal
No full textGeneral Background: The pharmaceutical industry plays a pivotal role in national healthcare and economic security, especially under increasing global competition and consumer demand. Specific Background: In Uzbekistan, recent state reforms have driven growth in the local pharmaceutical sector, yet many enterprises lack strategic branding, limiting their market competitiveness. Knowledge Gap: Despite global recognition of branding’s impact, local studies inadequately address its strategic, psychological, and institutional dimensions, often reducing it to superficial elements like logos or product names. Aims: This study aims to analyze the role of branding strategies in shaping a competitive environment among Uzbek pharmaceutical enterprises and to propose context-specific solutions for brand development. Results: The analysis reveals that domestic products occupy 37% of the market by volume but only 13% by value, highlighting a branding deficit. Strategic branding can enhance consumer trust, differentiate products, and increase export readiness. Novelty: The study integrates multidisciplinary branding theories with local market analysis, offering practical, evidence-based branding recommendations tailored to Uzbekistan’s pharmaceutical sector. Implications: Effective branding strategies can serve as tools for sustainable competitiveness, transforming local pharmaceutical brands into assets that foster customer loyalty, attract investment, and bolster national economic resilience.Highlights:
Strategic Branding Is EssentialBranding is not just logos—it builds consumer trust, emotional connection, and long-term market positioning for local pharmaceutical firms.
Local Brands Are UnderdevelopedDespite making up 37% of consumption, most Uzbek pharmaceutical companies lack a full branding platform and remain focused only on product names and packaging.
Branding Boosts Export and InvestmentA strong brand image increases not just domestic loyalty but also international market access and investor appeal.
Keywords: Branding Strategy, Pharmaceutical Industry, Competitive Advantage, Consumer Trust, Uzbekista
Strategic Adoption of Sharia Fintech for BMT Business Competitiveness: Penerapan Strategis Fintech Syariah untuk Meningkatkan Daya Saing Bisnis BMT
No full textGeneral Background: The digital transformation in financial services has positioned fintech as a pivotal force in reshaping microfinance dynamics. Specific Background: In the context of Islamic financial institutions, fintech syariah offers a unique opportunity to enhance competitiveness while maintaining sharia compliance. Knowledge Gap: However, limited empirical exploration exists on how sharia-based fintech is strategically implemented within BMTs, particularly in rural Indonesian settings. Aims: This study investigates the role and optimization of sharia fintech in enhancing the competitiveness of BMT UGT Nusantara Capem Sempu, Banyuwangi. Results: Using a qualitative descriptive method through interviews, observations, and documentation, the study finds that fintech integration improves operational efficiency, simplifies financing processes, and boosts member trust. Novelty: The research highlights the contextual adaptation of fintech solutions within a sharia microfinance institution, addressing both technological and cultural-religious imperatives. Implications: Despite positive impacts, challenges such as digital literacy and infrastructure limitations persist. Strategic recommendations include digital capacity building, deeper fintech collaboration, and continuous innovation to ensure long-term competitiveness in the Islamic microfinance sector.
Highlights:
Enhances efficiency and outreach through digital integration.
Strengthens trust while maintaining sharia compliance.
Faces challenges in literacy and infrastructure adoption.
Keywords: Sharia Fintech, Microfinance, BMT Competitiveness, Digital Transformation, Islamic Financ
Discipline and Organizational Culture Drive OTC Service Quality: Kedisiplinan dan Budaya Organisasi Mendorong Kualitas Layanan OTC
No full textGeneral Background: Service quality in railway transport, especially in hygiene-based roles such as On Train Cleaning (OTC), is crucial to ensuring passenger comfort and satisfaction. Specific Background: PT KAI (Persero) Daop IV Semarang faces persistent challenges in maintaining cleaning standards, potentially rooted in internal workforce dynamics. Knowledge Gap: While prior studies have examined discipline, supervision, and organizational culture individually, their integrated impact on service quality within the railway cleaning context remains underexplored. Aims: This study aims to investigate the simultaneous influence of employee discipline, supervision, and organizational culture on the quality of OTC services. Results: Using a quantitative approach with 160 respondents and multiple linear regression, the study found that discipline (β = 0.234; p = 0.001) and organizational culture (β = 0.215; p = 0.013) significantly affect service quality, while supervision has no significant effect (β = 0.016; p = 0.839). The model explains 17.1% of service quality variance. Novelty: This research integrates three variables within a specialized operational setting—OTC in railway transport—rarely highlighted in previous studies. Implications: The findings suggest PT KAI should prioritize discipline and cultural reinforcement over supervisory interventions to elevate cleaning service standards and improve customer satisfaction.Highlight :
Discipline and organizational culture contribute significantly to improving the quality of OTC services.
Supervision does not have a significant influence, although it remains important to review.
The study highlights the importance of internal factors in supporting train cleaning services.
Keywords : Discipline, Supervision, Organizational Culture, Service Quality, OT
Personality Competency of Fiqh Teachers Shapes Student Worship Discipline
No full textGeneral background: Student worship discipline is shaped not merely by cognitive understanding of fiqh but significantly by the teacher's personal example and moral integrity. Specific background: Despite the critical role of teacher personality in Islamic education, empirical studies exploring how personality competence affects students' worship behavior remain limited. Knowledge gap: Little is known about the specific personality traits and contextual factors that enable fiqh teachers to effectively cultivate worship discipline in students. Aims: This study investigates the personality competence of fiqh teachers in shaping student worship discipline at MTs GUPPI Pangkatan. Results: Using a qualitative descriptive approach and triangulated data from interviews, documents, and literature, the findings reveal that effective fiqh teachers exhibit stable, mature, wise, and morally exemplary personalities, coupled with strong religious commitment and authority. Novelty: The study identifies internal (teacher personality and commitment) and external (curriculum, method, environment, parental and principal support) factors that support or inhibit success, highlighting the interplay between personal competence and institutional context. Implications: These findings suggest that enhancing teacher personality competence should be prioritized in teacher training programs to foster disciplined religious practices among students.
Highlights:
Teacher personality directly influences students' worship discipline.
Internal and external factors shape teaching effectiveness.
Moral integrity is essential for religious education success.
Keywords: Personality Competence, Fiqh Teacher, Worship Discipline, Islamic Education, Student Behavio
Mathematics Learning Improvement Through Example-Non-Example with Flannel Board: Peningkatan Pembelajaran Matematika Melalui Contoh dan Non-Contoh dengan Papan Flanel
Get PDFGeneral Background: Mathematics is a compulsory subject in Indonesian primary education as it develops logical reasoning and problem-solving skills, yet many students face difficulties due to monotonous teaching approaches. Specific Background: Preliminary observations in grade III of SDN 11/II Teluk Pandak revealed only 30.43% of students achieved the minimum mastery criteria, largely due to low engagement and ineffective instructional strategies. Knowledge Gap: While previous studies have shown the benefits of Example Non-Example models and flannel board media separately, limited research has examined their combined application in elementary mathematics learning. Aims: This study aimed to improve students’ mathematics learning processes and outcomes by integrating the Example Non-Example model with flannel graph media. Results: Using classroom action research across two cycles, findings demonstrated significant improvement, with student mastery increasing from 30.43% (pre-cycle) to 56.52% (cycle I) and 91.30% (cycle II). Novelty: The strategic integration of visual-conceptual learning through Example Non-Example with interactive flannel media offers a more engaging and contextualized learning experience. Implications: These findings suggest that combining innovative instructional models with concrete media can foster active participation, enhance conceptual understanding, and serve as a practical strategy for improving mathematics education in elementary schools.Highlight :
Model Example Non-Example with flannel graph improved mathematics learning outcomes.
Student achievement increased significantly from cycle I to cycle II.
Learning became more active, engaging, and effective.
Keywords : Learning Process, Learning Outcomes, Example Non-Example, Flannel Graph, Mathematic
Cognitive Biases and Behavioral Patterns Shaping Investment Decision-Making: Kecenderungan Kognitif dan Pola Perilaku yang Mempengaruhi Pengambilan Keputusan Investasi
Get PDFGeneral Background: Traditional financial theories, such as the Efficient Market Hypothesis and Modern Portfolio Theory, assume rational, utility-maximizing investors. Specific Background: However, empirical evidence shows persistent cognitive and emotional biases—loss aversion, overconfidence, herding, mental accounting, and anchoring—that distort investment decisions and market outcomes. Knowledge Gap: Despite growing interest in behavioral finance, there remains insufficient synthesis that integrates these psychological factors with conventional financial frameworks, particularly across diverse contexts. Aims: This study conducts a comprehensive literature review to examine how behavioral finance theories influence individual and institutional investment decisions. Results: The findings reveal that systematic biases shape investor behavior by driving excessive risk-taking, irrational asset allocation, and susceptibility to market inefficiencies, thereby challenging rational-choice models. Novelty: Unlike prior works, this review offers a structured thematic synthesis of behavioral concepts, highlights empirical patterns across global studies, and underscores the interdisciplinary relevance of psychology in finance. Implications: The study calls for reform in financial education, the integration of behavioral diagnostics into fintech, and the development of policy tools informed by cognitive biases, ultimately contributing to more resilient investment strategies and adaptive financial systems.Highlights:
Investor decisions are often shaped by psychological biases rather than rational models.
Behavioral finance provides tools to anticipate and correct irrational market behaviors.
Integrating psychology into financial education and policy enhances decision-making.
Keywords: Behavioral Finance, Investment Decisions, Cognitive Biases, Prospect Theory, Market Inefficienc