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Income, financial attitude, locus of control on financial well-being through financial behavior in Dusun Dami
No full textPurpose: This study has a goal to inspect the effect that received by financial well-being for financial behavior as a mediator on the community of Dusun Dami, Malang from income, financial attitude, also locus of control
Methodology/approach: The quantitative study is the kind of research that implemented to this study and samples were acquired by implementing purposive sampling method along a whole of 340 respondents who met the criteria. Questionnaires were used to gather data, and SmartPLS software was used to analyze the results utilizing Structural Equation Modeling-Partial Least Squares. The analysis involved assessing the structural model for hypothesis testing and the measurement for validity and reliability.
Findings: The results stipulate that financial behaviour isn’t significantly impacted by income, while financial behavior is significantly impacted by financial attitude and locus of control. Furthermore, financial well-being is significant yet positively impacted by financial behavior. Mediation testing indicates that “financial behavior does not mediate the relationship between income and financial well-being, but successfully mediates the relationship between financial attitude, locus of control, and financial well-being.”
Practical implications: The findings stipulate that enhancing the internal locus of control and promoting more supportive financial attitudes are crucial for promoting responsible financial conduct, which enhances financial well-being. Programs of financial literacy and community empowerment should focus not only on income improvement, but also on behavioral and psychological aspects
Originality/value: Unlike most prior studies that focused on students or urban communities, this research provides new evidence from a rural Indonesian context. It emphasizes the significancece of behavioral and psychological factors in improving financial well-being beyond income leve
Penggunaan Voice Note dalam Pembelajaran Shorof pada Program Studi Pendidikan Pembelajaran Bahasa Arab UIN Maulana Malik Ibrahim Malang (sertifikat hak cipta)
No full textPerkembangan teknologi digital merupakan sebuah realitas yang harus dihadapai oleh setiap manusia dalam berbagai aspek kehidupannya, termasuk pendidikan. Perkembangan digital tersebut dapat dimanfaatkan sebagai media pembelajaran untuk mengatasi kesulitan mahasiswa dalam penguasaan materi pembelajaran, salah satunya adalah penggunaan voice note. Penggunaan voice note dapat dimanfaatkan untuk memberikan penugasan kepada mahasiswa untuk menjelaskan ulang materi yang telah dipelajarinya, sehingga mereka dapat meningkatkan pemahamannya, apalagi shorof sebagai cabang ilmu yang mempelajari perubahan bentuk kata, memerlukan pemahaman mendalam dan praktik berulang-ulang untuk dapat menguasainya dengan baik.
Tujuan penelitian ini adalah untuk mendeskripsikan tentang: (1) Penggunaan Voice Note untuk dalam pembelajaran shorof, (2) Respon mahasiswa tentang dampak penggunaan voice terhadap peningkatan pemahaman terhadap materi shorof, (3) Respon mahasiswa tentang dampak penggunaan voice terhadap daya ingat terhadap mataeri shorof.
Metode penelitian yang digunakan adalah deskriptif kuantitatif. Dan untuk mengumpulkan data, peneliti menggunakan kuesioner dengan pengukuran skala likert. Adapun analisis data yang digunakan adalah analisis statistik deskriptif, dengan penyajian datanya dalam bentuk diagram lingkaran.
Hasil penelitian ini adalah : (1) Voice note digunakan dalam pembelajaran shorof pada penelitian ini untuk memberikan tugas pada mahasiswa untuk menjelaskan ulang materi yang telah dipelajarinya pada setiap minggu setelah proses pembelajaran berakhir. Dalam praktiknya, 80 % mahasiswa menjelaskan ulang materi secara mandiri tanpa bantuan teman, dosen, atau orang lain. Dan untuk memperoleh hasil yang maksimal 78 % mahasiswa meminta penjelasan temannya untuk materi yang sulit. Selain itu, 72 % mahasiswa mendengarkan penjelasan temannya yang terdapat dalam voice note di grup whatsapp, (2) Penggunaan voice note memiliki dampak yang dalam pemahaman materi bagi mahasiswa, yaitu; (a) Meningkatkan Pemahaman Mahasiswa terhadap Materi yang telah dipelajarinya (sebesar 82%), (b) Membantu Mahasiswa dalam Memahami Materi yang Sulit/belum dipahami (sebesar 79 %), (3) Penggunaan voice note memiliki dampak dalam meningkatkan Daya Ingat Mahasiswa terhadap Materi yang telah dipelajarinya (Sebesar 84%)
Kahoot Gamification: Fostering Critical Thinking in Arabic Listening Comprehension
No full textIn the era of digital transformation, education increasingly demands innovative pedagogical approaches that not only enhance language proficiency but also cultivate students’ critical thinking skills. This study explores how Kahoot gamification supports the development of critical thinking in Arabic listening comprehension. The research employed a qualitative approach with a single instrumental case study design to examine the integration of Kahoot-based learning activities and their cognitive outcomes. Data were collected through participant observation, documentation, and interviews involving 39 undergraduate students from the Faculty of Sharia, UIN Maulana Malik Ibrahim Malang, class of 2024. The data were analyzed using the interactive model of Miles and Huberman to identify indicators of critical thinking based on Facione’s six dimensions: interpretation, analysis, evaluation, inference, explanation, and self-regulation. The findings revealed that Kahoot gamification was implemented through four learning activities: song playback, simple dialogue, short film, and short story. Each activity stimulated distinct aspects of critical thinking, with song and short film activities generating the most active responses. The study suggests that Kahoot gamification may serve as an effective pedagogical tool to foster engagement and higher-order thinking in Arabic listening instruction, particularly for beginner-level learners
The teachings of Al-Gazali's religious tolerance and moderation: An Examination of Al-Gazali's Thoughts on Faith and Infidelity in the Book of Fasl Al-Tafriqah Bayna Al-Islam Wa Al-Zandaqah
No full textThis study aims to analyze and understand Al-Gazali's teachings on religious tolerance and moderation through his views on faith and
unbelief as contained in his work, Fasl Al-Tafriqah Bayna Al-Islam Wa Al-Zandaqah. This research is qualitative research with a text analysis approach. The data sources in this study consist of primary and secondary data, data collection techniques using library research and text analysis, data analysis using content analysis and contextual interpretation, and data validity consisting of source triangulation and source criticism. The results of the study show that Al-Ghazali's teachings on religious tolerance and moderation, as described in Fasl al-Tafriqah bayna al-Islam wa al-Zandaqah, offer a view that rejects extremism in assessing a person's faith, while emphasizing the importance of a fair and moderate approach. Al-Ghazali asserts that the assessment of an individual's faith is the exclusive right of God, not humans. Al-Ghazali teaches that a person's beliefs should not be used as a reason to justify discrimination or violence. Al-Ghazali's teachings on tolerance and moderation are not only relevant in the context of Islamic history but also serve as a universal guide. This study is expected to contribute academically by adding to the wealth of literature related to Al-Ghazali's thoughts on religious tolerance and moderation, while also broadening our understanding of the concepts of faith and disbelief according to his views
Does trust matter? Examining the impact of socialisation, knowledge, and religiosity on employee performance in banking sector
No full textKnowledge is a critical factor in improving performance and achieving competitive
advantage. The purpose of this study is to determine the mediating role of trust in the
relationship of socialisation, knowledge, and religiosity toward employee
performance in banking sector. This research is quantitative with an explanatory
approach. This study surveyed 200 employees of a sharia bank in Indonesia and
collected 112 respondents return the questioner. The data analysed using Partial Least
Squares Structural Equation Modelling (SEM-PLS). This study confirms that
socialisation and knowledge do not affect employee performance directly. Religiosity
affects employee performance. Trust mediates the effect of socialisation, knowledge,
and religiosity on employee performance. The study provides new evidence on trust
in Islamic banking sector related to socialisation, knowledge, religiosity and employee performance. Managers in Islamic banks should strengthen internal socialisation and knowledge-sharing programs that are grounded in religious values to foster greater trust among employees. By prioritising trust-building, managers can
enhance employee commitment and overall performance, creating a more cohesive and value-driven organisational culture
Negotiating Salafism: Local Muslim Identity and Religious Adaptation in Banten
No full textThe growth of Salafism has produced persistent tensions within the syncretic Islamic identity of Banten, a region where local traditions are firmly rooted in religious beliefs and practices. This research explores how Bantenese Muslims navigate interactions between transnational Salafi teachings and inherited forms of religiosity. Drawing on qualitative fieldwork, the study reveals that younger Muslims in urban settings are more frequently exposed to Salafi interpretations through education and social networks, whereas rural communities tend to maintain long-established traditions. These uneven encounters give rise to a religious landscape that is both fragmented and adaptive. Using Berger and Luckmann’s theory of the social construction of reality, the article demonstrates how externalization, objectivation, and internalization processes shape patterns of religious negotiation. It introduces the concept of selective adaptation to illustrate how global Islamic movements intersect with, rather than displace, local religious identities. The findings show that Bantenese Muslims selectively adopt, reinterpret, or resist Salafi teachings, highlighting that religious change is context-dependent and strongly influenced by enduring local traditions
Hubungan Praktik Sholat Dengan Kesehatan Mental: Perspektif Psikologi & Islam
No full textThis study reviews the relationship between the practice of ṣalāh (prayer) and mental health from the perspectives of modern psychology and Islamic values. A descriptive-narrative literature review was conducted, analyzing peer-reviewed studies and relevant scholarly reports published between 2020 and 2025. The findings indicate that regular, mindful prayer contributes to reductions in stress and anxiety, enhances inner calm, and strengthens psychological well-being through mechanisms such as emotion regulation, meaning-making, routine coping, and spiritual connectedness. Prayer also functions as a culturally consonant, non-pharmacological coping strategy within Muslim communities. However, the evidence is heterogeneous, and integration of religious elements into mental health practice requires culturally sensitive, evidence-based, and ethically guided approaches. Overall, consistent and reflective practice of ṣalāh can be considered a valuable component in promotive and preventive mental health efforts
Factors affecting earnings quality: The moderating role of managerial ownership
No full textThis study examines the impact of capital structure, profitability, Corporate Social Responsibility (CSR), and accounting conservatism on earnings quality, with managerial ownership as a moderating factor. Earnings manipulation has been carried out by directors and deputy directors of the Renault-Nissan-Mitsubishi Alliance of approximately US$44 million, affecting the quality of earnings generated. Focusing on industrial and energy sector companies listed on the IDX from 2021 to 2023, this study uses a quantitative approach, selecting samples using purposive sampling techniques and analyzing 39 selected companies using panel data regression and MRA in E-Views. The results show that profitability and CSR negatively affect earnings quality, while capital structure and accounting conservatism have no significant impact. Managerial ownership moderates the effects of capital structure, profitability, and CSR on earnings quality but does not influence the role of accounting conservatism. The results of this study suggest that companies in the industrial and energy sectors should optimally implement CSR and accounting conservatism to attract investors, improve earnings quality, and support management and stakeholder decision-making
Designing an Eco-Literate ESP Syllabus: Integrating Sustainability and Environmental Awareness into English for Fisheries Students
No full textThis study proposes an eco-literate ESP syllabus tailored for
Fisheries Department students by integrating sustainability
principles and environmental awareness into English
instruction. Using the ESP course design model of Dudley-Evans
and St. John (1998), the paper outlines a systematic process
involving needs analysis, syllabus planning, material adaptation,
and evaluation. The needs analysis highlights learners’
communicative demands in sustainability-focused contexts such
as marine conservation, sustainable aquaculture, and the blue
economy. The syllabus adopts content-based and task-based
approaches, utilizing authentic environmental materials (e.g.,
research articles, policy documents, sustainability reports). Each
unit centers on eco-related discourse, marine ecology
vocabulary, and critical reflection on environmental ethics across
reading, writing, and speaking tasks. Existing studies seldom
address how environmental ethics, marine-related sustainability
content, and SDG-oriented competencies can be systematically
embedded into ESP courses targeting discipline-specific
communication needs. This study fills that gap by proposing a
structured eco-literate ESP syllabus that connects language
learning with environmental responsibility in the fisheries
contex
Innovation through Literacy: Synthesizing Science and the Qur’an (SSQ) as a Strategy for Islamic Economic Development
No full textThis study aims to explore the interrelation between innovation and literacy, proposing an integrated model of scientific and Qur’anic literacy as a strategic pathway for Islamic economic development. Employing a qualitative library research method, this research analyses a broad spectrum of literature—including books, academic journals, blog articles, and relevant documents—using keywords such as innovation, literacy, synthesis, science, Qur’an, and
Islamic economic development. The study also references case examples such as innovations in bottled drinking water and the printed Qur’an.The findings of this study are presented in the form of conceptual framework, which demonstrates that innovation is rooted in creativity, and creativity in turn originates from literacy. In the context of Islamic economic development, innovation is not solely grounded in the Qur’an and Hadith but also draws upon scientific literacy. While conventional theories continue to be employed within the scope of Islamic economic development. This study helps the Islamic
economic actors find creative ideas and problem solving by synthetizing science and the Quran (SSQ) and provides updated literacy conducive to innovation in Islamic economy development