E-Jurnal UMNAW (Universitas Muslim Nusantara Al Washliya)
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PEMBERDAYAAN MASYARAKAT MELALUI PENDAMPINGAN PEMAHAMAN ZAKAT SEBAGAI UPAYA PENGENTASAN KEMISKINAN DI KABUPATEN BANDUNG
Full text linkKabupaten Bandung sebagai salah satu pusat ekonomi di Indonesia masih menghadapi masalah kemiskinan yang kontras dengan laju pertumbuhan ekonominya. Zakat sebagai instrumen pengentasan kemiskinan, memiliki potensi besar untuk mengurangi kesenjangan ekonomi apabila dikelola dengan baik. Namun, pengumpulan, distribusi, dan pengelolaan zakat masih menghadapi berbagai kendala, termasuk kurangnya kesadaran masyarakat tentang pentingnya zakat. Oleh karena itu, pemberdayaan masyarakat melalui pendampingan pemahaman zakat menjadi sangat penting untuk mengoptimalkan peran zakat dalam meningkatkan kesejahteraan. Metode yang digunakan dalam pengabdian ini adalah Participatory Action Research (PAR), yang melibatkan masyarakat dalam setiap tahap, dari perencanaan hingga evaluasi, untuk memastikan keberlanjutan dan dampak positif jangka panjang. Adapun hasil dari pengabdian ini menunjukan bahwa zakat berfungsi sebagai instrumen ekonomi untuk mendistribusikan kekayaan secara adil. Dengan pengelolaan yang efektif, zakat dapat mendukung masyarakat miskin, mendorong pertumbuhan ekonomi mustahik, dan mengurangi ketimpangan sosial. Pada Kabupaten Bandung, sosialisasi pemahaman zakat dilakukan untuk meningkatkan kesadaran masyarakat tentang urgensi zakat dalam mengentaskan kemiskinan. Kegiatan ini melibatkan lembaga zakat dan tokoh agama untuk memberikan edukasi tentang manfaat dan penyaluran zakat yang sesuai syariat. Pemberdayaan zakat di Kabupaten Bandung bertujuan untuk mengelola dana zakat secara produktif, seperti modal usaha atau pelatihan keterampilan, agar penerima zakat dapat mandiri secara ekonomi dan berkontribusi dalam pemberdayaan ekonomi, sehingga mengurangi kemiskinan di wilayah tersebut
Optimalisasi Pemanfaatan Platform Rumah Pendidikan dalam Mendukung Pengembangan Kompetensi Guru di SD Swasta Harapan 3 Deli Serdang
Full text linkThe digital transformation in education requires teachers to adapt and optimally utilize digital learning platforms. However, a common problem found in schools is the limited understanding and use of the Rumah Pendidikan platform as a medium for professional development, career management, and learning inspiration. This community service activity, conducted through the Field Work Course (Kuliah Kerja Lapangan/KKL), aimed to improve teachers’ understanding and skills in accessing and utilizing Rumah Pendidikan services effectively based on their professional needs. The activity employed a community education and training approach, including policy socialization, demonstrations of key features, and hands-on mentoring in using the platform. The results showed an improvement in teachers’ understanding of the functions and benefits of Rumah Pendidikan services, as reflected in their ability to independently access continuous learning, career and performance management, and learning inspiration features. Overall, this activity contributed positively to teachers’ readiness to integrate digital education platforms into daily teaching practices, supporting a more meaningful and sustainable educational transformation..Transformasi digital dalam dunia pendidikan menuntut guru untuk mampu beradaptasi dan memanfaatkan platform layanan digital secara optimal. Namun, permasalahan yang masih ditemui di lapangan adalah rendahnya pemahaman dan pemanfaatan platform Rumah Pendidikan oleh guru sebagai sarana pengembangan kompetensi, karier, dan inspirasi pembelajaran. Kegiatan pengabdian kepada masyarakat yang dilaksanakan melalui Kuliah Kerja Lapangan (KKL) ini bertujuan untuk meningkatkan pemahaman dan keterampilan guru dalam mengakses serta memanfaatkan layanan Rumah Pendidikan secara efektif sesuai kebutuhan profesional. Metode pelaksanaan kegiatan menggunakan pendekatan pendidikan masyarakat dan pelatihan yang meliputi sosialisasi kebijakan, demonstrasi fitur utama, serta pendampingan praktik penggunaan platform secara langsung. Hasil kegiatan menunjukkan adanya peningkatan pemahaman guru terhadap fungsi dan manfaat layanan Rumah Pendidikan, yang ditandai dengan kemampuan guru mengakses layanan belajar berkelanjutan, karier dan kinerja, serta inspirasi pembelajaran secara mandiri. Secara keseluruhan, kegiatan ini memberikan dampak positif terhadap kesiapan guru dalam mengintegrasikan platform digital pendidikan ke dalam praktik pembelajaran sehari-hari, sehingga mendukung terwujudnya transformasi pendidikan yang lebih bermakna dan berkelanjutan
THE LISTENING COMPREHENSION PROBLEM OF VOCATIONAL STUDENTS
Full text linkStudying English in Vocational high school has certain characteristics related to the novices' major. English as a foreign language has an essential role to be mastered by the students. The orientation of the students after graduating from school commonly gets a job related to their competency. This research investigated the main problem of listening comprehension in English as a foreign language faced through vocational high school students. The qualitative methodologies have been implemented in this examine with questionnaires and interviews used an instruments for collecting information. The findings display that the foremost troubles of information the spoken text are the vocabulary and prononciation. The findings of this observe is expected to provide valuable information for English teachers regarding to the listening difficulties faced by vocational students, which enable them to help students to improve their listening capabilities
Pengaruh Leverage, Profitabilitas Dan Ukuran Perusahaan Terhadap Kinerja Keuangan Dengan Good Corporate Governance Sebagai Variabel Moderasi
Full text linkThis study aims to examine the effect of leverage, profitability, and company size on financial performance. The object of this study is food and beverage companies in 2019-2023. Leverage is measured by Debt to Equity Ratio (DER), Profitability is easured by Net Profit Margin (NPM), Size is measured by total assets, Financial Perfomance is measured by Return on Equity (ROE) and Good Corporate Governance mechanism proxied by Management Ownership. This type of research is quantitative research. This sampel used in this study was obtained uing the purposive sampling method based on previously determined criteria, namely from food and beverages companies. The method used in this study is multiple linear analysis and moderated regression analysis (MRA) using the Eviews program 12. The results of the study indicate that leverage and profitability has an effect on financial performance, Size has no effect on financial performance, good corporate governance is able to moderated the effect of leverage and profitability on financial perfomance (Weakening) and good corporate governance is able to moderated the effect of size on financial perfomances (strengthening)
Peran Environmental Sustainability Disclosure Sebagai Mediator Antara Akuntansi Lingkungan Terhadap Kinerja Perusahaan
Full text linkCompanies today in carrying out business activities are required not only to be able to create material profits but also to be able to pay attention to the environment whose results will later have an impact on the company's performance. The problem in this study is that there are many companies that do not pay attention to the environment, especially the mining sector, as evidenced by the fact that there are still many companies in the mining sector that achieve low proper and there are still many companies that do not present environmental costs in the company's financial statements. Based on data obtained from the proper rating of the Ministry of Environment for 34 coal mining companies listed on the IDX, as many as 4 companies are rated black and the remaining 30 companies are rated red and green, indicating that the company ignores the environment when making profits. This study aims to analyze whether environmental accounting and audit quality affect company performance as well as the influence of mediation of environmental sustainability disclosure on environmental accounting and audit quality on the performance of mining companies listed on the Indonesia Stock Exchange in 2018-2022.The analysis method used is a quantitative method with a causality or causal approach. Data analysis using a statistical tool, namely Smart PLS. The results of this study are that audit quality and environmental accounting have a significant effect on company performance, audit quality has a significant effect on environmental sustainability disclosure. However, environmental accounting does not have a significant effect on environmental sustainability disclosure. Then environmental sustainability disclosure does not have a significant effect on company performance. Mediation testing shows that quality audits indirectly significantly affect company performance through environmental sustainability disclosure. Environmental sustainability disclosure significance mediates the relationship between environmental accounting and company performance
DESKRIPSI KESIAPAN GURU DALAM MENGINTEGRASIKAN LITERASI DIGITAL DI SEKOLAH DASAR
Full text linkThis study aims to describe the readiness of teachers in integrating digital literacy in elementary schools, especially at SDN 142 Borong Ampirie. In the ever-growing digital era, digital literacy is an important competency for teachers to support an effective learning process that is in line with the times. The method used in this research is a qualitative approach with data collection through semi-structured interviews with teachers at the school. The research subjects in the study at SDN 142 Borong Ampirie were grade 1, 4, and 6 teachers as representatives of each grade phase. The results showed that the majority of teachers have a good understanding of digital literacy, but still face challenges in its application, such as limited facilities and infrastructure, and variations in digital competence among teachers. This study recommends the need for continuous training for educators and support from the school to improve teachers' readiness in integrating digital literacy, so that it can facilitate students in facing challenges in the digital era
PENGARUH KEGIATAN SUPERVISI KEPALA SEKOLAH TERHADAP KEMAMPUAN MENGAJAR GURU DI SEKOLAH SMA NURUL HASANAH
Full text linkIn the perspective of globalization, regional autonomy, and decentralization of education and to make school-based management and competency-based curriculum a success, the principal is a central figure who must be a role model for other education personnel in the school. Therefore, to support the success of the changes made and expected, it is necessary to prepare professional principals who are willing and able to plan, implement, and evaluate various policies and changes made effectively and efficiently. Supervision can actually be carried out by the principal who acts as a supervisor, but in the modern education organization system, a special supervisor is needed who is more independent and can increase objectivity in coaching and carrying out his duties. If supervision is carried out by the principal, then he must be able to carry out various supervisions and controls to improve the performance of education personnel. Supervision and control are also preventive measures to prevent education personnel from committing deviations and to be more careful in carrying out their work. Supervision and control carried out by the principal on his education personnel, especially teachers, is called clinical supervision, which aims to improve the professional abilities of teachers and improve the quality of learning through effective learning
Peran Teknologi Digital Dalam Meningkatkan Daya Saing UMKM Ekonomi Kreatif Berbasis Budaya di Kawasan Medan
Full text linkPenelitian ini mengkaji dampak inovasi teknologi terhadap daya saing usaha mikro, kecil, dan menengah (UMKM) di Kota Medan. Tujuan utama penelitian meliputi: (1) memahami peran inovasi teknologi dalam meningkatkan daya saing UMKM di pasar lokal dan internasional, (2) menganalisis jenis inovasi teknologi yang signifikan, dan (3) mengevaluasi pengaruh inovasi terhadap efisiensi operasional, kualitas produk, serta pelayanan pelanggan. Metode yang digunakan adalah pendekatan kualitatif deskriptif dengan teknik purposive sampling, melibatkan wawancara dengan lima pemilik UMKM. Hasil penelitian menunjukkan bahwa inovasi teknologi, seperti aplikasi digital (misalnya si KEdan) dan media sosial, berpengaruh positif pada daya saing UMKM, terutama di sektor ekonomi kreatif berbasis budaya. Pemanfaatan metode percetakan dalam produksi busana juga turut berkontribusi. Meskipun demikian, tantangan seperti masalah legalitas dan standar operasional yang belum memadai perlu diatasi. Dukungan dari pemerintah, termasuk pelatihan dan bantuan teknis, sangat penting untuk memfasilitasi penerapan teknologi digital agar UMKM di Kota Medan dapat berkembang lebih baik. Penelitian ini menekankan pentingnya kolaborasi antara UMKM dan pemerintah untuk memperkuat inovasi dan daya saing di era digital.This study examines the impact of technological innovation on the competitiveness of micro, small, and medium enterprises (MSMEs) in Medan City. The main objectives of the study include: (1) understanding the role of technological innovation in increasing the competitiveness of MSMEs in local and international markets, (2) analyzing the types of significant technological innovations, and (3) determining the influence of innovation on operational efficiency, product quality, and customer service. The method used was a descriptive qualitative approach with a purposive sampling technique, involving interviews with five MSME owners. The results show that technological innovations, such as digital applications (e.g., si KEdan) and social media, have a positive impact on the competitiveness of MSMEs, particularly in the culture-based creative economy sector. The use of printing methods in fashion production also contributes. However, challenges such as legality and operational standards have not been overcome. Government support, including training and technical assistance, is crucial to facilitate the implementation of digital technology so that MSMEs in Medan City can develop better. This study emphasizes the importance of collaboration between MSMEs and the government to strengthen innovation and competitiveness in the digital era
ANALISIS STRATEGI PEMASARAN DALAM MENINGKATKAN KUALITAS PENJUALAN PRODUK PEMBIAYAAN MIKRO PADA PT. BANK SYARIAH INDONESIA, KCP STABAT
Full text linkpemasaran untuk memperoleh suatu hasil yang optimal. Beragam pemasaran yang terdiri dari Product (Produk), Price (Harga), Place (Tempat), Promotion (Promosi), People(Orang), Process (Proses), Physical Evidence (Bukti Fisik). Strategi tersebut di harapkan mampu dalam meningkatkan pembiayaan usaha mikro. Jenis penelitian yang diginakan peneliti adalah penelitian lapangan (field evidence) dengan menggunakan pendekatan kualitatif. Teknik pengumpulan data yang di gunakan oleh peneliti Adalah wawancara dan observasi. Tujuan utama penelitian ini adalah untuk menganalisis faktor apa saja yang melandasi kurangnya tingkat pengetahuan masyarakat yang mengakibatkan kurang optimalnya tingkat penjualan produk mikro sehingga menyebabkan tingkat penyaluran dana pada produk tersebut mngalami penurunan. Hasil dari penelitian ini adalah minimnya pengetahuan masyarakat tentang poduk mikro tersebut, di karenakan mayoritas masyarakat masih enggan untuk beralih dari bank konvensional menjadi bank syariah, masyarakat yanggi mayoritas tinggal di pedesaan kurang mendapat informasi tentang produk tersebut. Penerapan promosi yang kurang tepat adalah faktor yang menyebabkan rendahnya minat masyarakat untuk menggunakan produk mikro. Hal ini dikarenakan strategi promosi yang dilakukan oleh pihak bank hanya menggunakan strategi channeling (mencari nasabah dari nasabah) dan door to door, sedangkan strategi periklanan, promosi penjualan, dan personal selling bisa di katakan jarang di gunakan oleh pihak marketing itu sendiri. Segmentasi pasar mencakup segmentasi psikografis, segmentasi sosio ekonomi, segmentasi geografis, segmentasi demografis, dan segmentasi perilaku, tetapi bank hanya menerapkan segmentasi demografis dan segmentasi geografis. Faktor tersebut menyebabkan segmentasi pasar pada PT BSI KCP Stabat kurang optimal
IMPLEMENTASI AKAD MUDHARABAH MUQAYYADA OFF BALANCE SHEET PADA BANK SYARIAH INDONESIA KCP PANGKALAN BRANDAN MENURUT FIQIH MUAMALAH
Full text linkPrinsip operasional Islam yang diterapkan dalam penghimpunan dana masyarakat salah satunya yaitu prinsip mudharabah muqayyadah. Mudharabah sebagai sebuah kerjasama, namun pencatatan transaksinya dilakukan secara Off Balance Sheet karena bank tidak mencatat dalam neraca Bank, tetapi hanya di catat dalam rekening administratif saja. Disebut mudharabah karena skemanya bagi hasil, muqayyadah karena ada pembatasan. Penelitian ini bertujuan untuk mengetahui seperti apa pelaksanaan akad mudharabah muqayyadah off balance sheet pada Bank Syariah Indonesia KCP Pangkalan Brandan, untuk mengetahui resiko pembiayaan terhadap kegagalan nasabah dalam mengembalian kewajibannya dan tingkat kesehatan yang mendukung pelaksanaan akad mudharabah muqayyadah off balance sheet pada Bank Syariah Indonesia KCP Pangkalan Brandan, dan untuk mengetahui bagaimana akad mudharabah muqayyadah off balance sheet menurut fiqh muamalah pada Bank Syariah Indonesia KCP Pangkalan Brandan. Penelitian ini merupakan penelitian lapangan (field research). Data penelitian ini diperoleh dari Bank Syariah Indonesia KCP Pangkalan Brandan yang menjadi objek penelitian. Teknik pengumpulan data dilakukan dengan observasi, interview, dan diperkaya dengan data kepustakaanya itu mempelajari, memahami buku-buku, jurnal, serta tulisan cendekiawan yang berkaitan dengan objek penelitian, sampel yang diambil sebanyak 4 orang yang terdiri dari 4 orang karyawan di bank. Berdasarkan hasil penelitian, bahwa pelaksanaan akad mudharabah muqayyadah off balance sheet pada Bank Syariah Indonesia KCP Pangkalan Brandan disebabkan karena kurangnya dana untuk membuka suatu usaha yang di inginkan. Dengan memenuhi syarat-syarat yang telah ditetapkan oleh Bank Syariah Indonesia KCP Pangkalan Brandan, pihak bank akan mempertimbangkan terlebih dahulu menyetujui atau tidak nasabah meminjam dana tersebut. Faktor yang menyebabkan nasabah tidak dapat melunasi pembiayaannya dikarenakan nasabah sedang dilanda musibah. Seperti: Sakit, pihak yang bersangkutan meninggal dunia, atau sedang masa operasi