Rumah Jurnal Institut Pesantren KH. Abdul Chalim
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PENGARUH DANA PIHAK KETIGA DAN PEMBIAYAAN BERMASALAH TERHADAP LIKUIDITAS PADA BANK MEGA SYARIAH TAHUN 2017-2022
Get PDFThis study aims to analyze the influence of Third-Party Funds (DPK) and NonPerforming Financing (NPF) on liquidity (FDR) at Bank Mega Syariah. The study shows that a decrease in NPF positively impacts the use of assets for other financing, although it has a negative relationship with liquidity. The uncertain economic conditions in 2023 and the rising cost of living have caused a dissaving phenomenon among the middle class. However, Bank Mega Syariah reported an increase in the number of accounts by 10.45%, surpassing the growth of savings in the general banking industry, which only rose by 8.2%. This study uses a descriptive quantitative method with secondary data from the financial reports published by Bank Mega Syariah. The data analysis used in this study includes classical assumption tests, multiple linear regression tests, and hypothesis testing with the help of SPSS 25. The results show that Third-Party Funds (DPK) and NPF have a partial and simultaneous effect on liquidity (FDR) at Bank Mega SyariahPenelitian ini bertujuan untuk menganalisis pengaruh Dana Pihak Ketiga (DPK) dan Pembiayaan Bermasalah (NPF) terhadap likuiditas (FDR) di Bank Mega Syariah. Penelitian ini menunjukkan bahwa penurunan NPF berdampak positif pada penggunaan asset untuk pembiayaan lainnya, meskipun berhubungan negative dengan likuiditas. Kondisi ekonomi yang tidak menentu pada tahun 2023 dan peningkatan biaya hidup menyebabkan fenomena dissaving di masyarakat kelas menengah, namun Bank Mega Syariah melaporkan peningkatan jumlah rekening sebesar 10,45%, melebihi pertumbuhan tabungan di industri bank umum yang hanya naik 8,2%. Penelitian ini menggunakan metode kuantitatif deskriptif dengan data sekunder dari laporam keuangan publikasi Bank Mega Syariah. Analisis data yang digunakan dalam penelitian ini yaitu menggunakan uji asumsi klasik, uji regresi linear berganda dan uji hipotesis dengan bantuan program SPSS 25. Hasil penelitian menunjukkan bahwa Dana Pihak Ketiga (DPK) dan NPF berpengaruh secara parsial dan simultan terhadap likuiditas (FDR) pada Bank Mega Syariah
Design of Teaching Materials in the Form of Comics Based on Cooperative Integrated Reading and Composition (CIRC)
Get PDFPurpose - This research has the following objectives: (1) to respond to problems that occur in the learning of reading and writing skills, (2) to develop the book Al-Qiro'ah Ar-Rosyidah in the form of a comic based on CIRC, (3) to determine the level of validation of textbooks in the form of comics based on cooperative integrated reading and composition (CIRC). CIRC itself is a cooperative and integrated learning model that combines two abilities, namely reading and writing skills.
Design/methodology/approach - The research method used is the development research method (R&D) and the Borg and Gall research design which consists of 10 stages of development but is simplified to 4 stages without reducing the quality of development, these stages are potential problems, data collection, product design, product validation. The data collection techniques used are observation, interviews, and distributing questionnaires. While the validators of this teaching material consist of material experts and media experts.
Findings/results – Based on the problems that occur in learning Arabic reading and writing skills where students are not eager to learn because of the lack of innovation in the textbooks used, therefore to answer the problems that occur researchers try to develop good teaching books and can make students eager to learn. Based on the results of the development that has been carried out, the coursebook was successfully developed by integrating interesting comics and in accordance with the CIRC learning model, besides that the results of validation conducted by validators from material experts and media experts show that the teaching materials are suitable for use. Material expert validators assessed in terms of material coverage and language obtained a score of 92%, while media expert validators 84%.
Originality/value - In this study, it can be concluded that this teaching material is suitable for use at MTsN 1 Palembang as a resource for student learning in the subjects of reading and writing skills. Therefore, it is expected that this teaching material will enhance students' reading and writing skills in Arabic language learning.
Paper type – Research pape
Innovative Approach to Women's Economic Empowerment Through MSMEs: A Case Study of Preneurlamongan Megilan in Maduran District
Get PDFThis research aims to analyze women's economic empowerment strategies through a community-based MSME program known as Thug (Preneur Lamongan Megilan) in Maduran District, Lamongan. This program is designed to improve women's skills, competitiveness, and economic independence through micro, small, and medium enterprises (MSMEs). This research will highlight the role of women in the local economy, the challenges faced, and the socio-economic impact of this empowerment on the well-being of families and communities. This study uses a qualitative method with a case study approach to explore the dynamics in the field. The results of this study are expected to provide deeper insight into women's contribution to local economic development and provide appropriate policy recommendations to support women's economic empowerment in Lamongan. Thus, it is hoped that the Thug program can continue to develop and provide real benefits for the local community. The success of this program is also expected to be an inspiring example for other regions in an effort to improve community welfare through community-based MSMEs
The Effect of Nestle Product Bundling Sales Accompanied with Discounts and Gifts on the Increase in the Number of SKUs Sold in the Sales Area of PT Anugerah Bina Usaha Nusantara Lampung for the Period April to May 2024
No full textThis study aims to determine the effectiveness of Nestle's product bundling strategy, accompanied by discounts and prizes in increasing SKU (Stock Keeping Unit) sales at PT Anugerah Bina Usaha Nusantara in the General Trade and Alternative Trade distribution networks. The research method used in this study is qualitative with narrative analysis based on in-depth interview data with several related salesmen and SKU sales data before and after the implementation of the strategy. The results of the study indicate that the product bundling strategy is able to increase the average number of SKUs sold from 1-3 SKUs to 5-7 SKUs per store. In addition, this program has succeeded in expanding product distribution and overcoming limited purchasing patterns in stores through a combination of incentives such as discounts and prizes, accompanied by education on the benefits of purchasing product bundling to the store. However, the study also identified challenges such as store resistance to certain SKUs and limited flexibility in the amount of product bundling purchases. The findings of the study recommend that the company modify the strategy to be more flexible and sustainable, with periodic evaluations to avoid store dependence on promotions.
 
THE EFFECT OF ENTREPRENEURIAL ORIENTATION AND INNOVATION ON BUSINESS PERFORMANCE MEDIATED BY COMPETITIVE ADVANTAGE (SURVEY ON UMKM IN CULINARY SECTOR IN SUKABUMI CITY)
Get PDFThis study aims to analyze the influence of Entrepreneurial Orientation, Innovation, and Competitive Advantage on Business Performance in culinary MSMEs in Sukabumi City. The results indicate that: (1) Entrepreneurial Orientation significantly influences Business Performance with a t-value of 3.509 > 1.96 (t-table) at a 5% significance level; (2) Innovation significantly influences Business Performance with a t-value of 3.121 > 1.96; (3) Competitive Advantage also significantly influences Business Performance with a t-value of 3.571 > 1.96; (4) Competitive Advantage mediates the influence of Entrepreneurial Orientation on Business Performance with a Sobel Test result of 4.147 > 1.96; and (5) Competitive Advantage mediates the influence of Innovation on Business Performance with a Sobel Test result of 3.061 > 1.96. These findings suggest that strengthening entrepreneurial orientation, innovation, and competitive advantage can enhance the performance of MSMEs in the culinary sector. The implications of this study highlight the need for integrated strategies to optimize these factors to support the growth and competitiveness of MSMEs
CATABOLISM OF ECONOMIC SPACES OF SABILILLAH MOSQUE MALANG AND ITS ROLE IN COMMUNITY ECONOMIC EMPOWERMENT
Get PDFThe catabolism that exists in the mosque's economic space is also caused by the reaction of complex compounds (mosques) into simpler compounds (the economic and even social spaces that are formed show more specific functions) with the help of developments over time and existing needs. The research methodology used is qualitative with a case study approach. The results of this research are that the catabolism process of mosque economic spaces experiences 5 phases. Starting from phase 1 to 4 then the fifth phase is that the social fund institution space creates another new space after the cooperative, namely lazis so that it becomes 1) mosque room, 2) REMAS room, 4) mosque cooperation, 5) Lazis. The catabolism process of economic spaces in mosques gives rise to empowerment which can be classified in the social and economic fields. Of course, there are also supporters and obstacles to this process, including human resources.
Keywords: Catabolism, Mosque Economy, Community Empowermen
The Influence of Social Media Marketing, Brand Awareness, and Brand Love on Brand Loyalty in Customers of Azarine Skincare Products in the City of Surabaya
Get PDFFacial care, also known as skincare, has become an important part of people's lives, especially for women. The high level of awareness among the public to care for their facial skin so that it remains healthy and well-groomed has made the beauty industry experience rapid growth, especially in Indonesia. One of the local brands in the beauty industry in Indonesia is the Azarine brand. This research was conducted to find out what factors can influence customers in purchasing skincare products from the Azarine brand. The purpose of the research is to analyze the influence of social media marketing, brand awareness and brand love on brand loyalty among customers of Azarine skincare products in the city of Surabaya. This research uses quantitative research methods with associative descriptive research. The data collection technique is in the form of a survey using a questionnaire instrument. The sample used was160 respondents, who were taken from the research population, namely customers who have purchased Azarine skincare products who live in Surabaya City in 2024. The results of this research show that 1) Social Media Marketing, Brand Awareness, and Brand Love simultaneously influence Brand Loyalty for Azarine skincare products. 2) Social Media Marketing has a partial positive influence on Brand Loyalty for Azarine skincare products. 3) Brand Awareness has a partial positive influence on Brand Loyalty for Azarine skincare products. 4) Brand Love has a partial positive influence on Brand Loyalty for Azarine skincare products
The Effect of Capital Intensity, Sales Growth, Inventory Intensity, and Profitability on Tax Aggressiveness (Empirical Study on Food, and Beverage Sub-Sector Manufacturing Companies Listed on the Indonesia Stock Exchange in 2020-2023)
Get PDFThis research explores the influence of capital intensity, sales growth, inventory intensity, and profitability on tax aggressiveness in manufacturing companies within the food and beverage sub-sector listed on the Indonesia Stock Exchange (IDX) from 2020 to 2023. Tax aggressiveness is measured using the effective tax rate method. The population of this study consists of food and beverage sub-sector manufacturing firms listed on the IDX during the specified period. The sample was selected using a purposive sampling method, resulting in a total of 101 samples. The data were analyzed using multiple linear regression analysis with the assistance of SPSS 26 software. The results indicate that capital intensity, sales growth, and inventory intensity do not have a significant effect on tax aggressiveness. However, profitability has a significant influence on tax aggressiveness
Designing a Sustainable Business Model for Cattle Manure-Based Organic Fertilizer
Get PDFThe cattle farming industry in Indonesia has experienced significant growth, with the population increasing from 14.8 million head (2014) to 18.8 million head (2023). This industry generates approximately 137.2 million tons of waste annually, yet only 30% is processed into value-added products. This research aims to design a sustainable business model for converting cattle farm waste into organic fertilizer. The study employs a qualitative approach with case studies across three scales of cattle farming operations in Bogor and Cianjur Regencies. Analysis was conducted using the Business Model Canvas (BMC), Value Chain Analysis, and PESTEL framework. Results identify four key driving factors in the cattle waste processing business: infrastructure and technology (GM=4.64-5.00), HR management (GM=4.00-5.00), procurement (GM=4.47-5.00), and inbound logistics (GM=4.47-5.00). A Central Processing Unit (CPU) model was designed with a capacity of 25 tons of cattle waste per day. Feasibility analysis indicates an investment requirement of IDR 11.5 billion, yielding a 12-month payback period, NPV of IDR 59.39 billion, and IRR of 100.3%. The model demonstrates economic sustainability through multiple revenue streams with projected annual revenue of IDR 21.24 billion, positive environmental impact through 60% emission reduction, and social contribution by creating 23-25 new jobs
Financial Ratio Analysis for Strategic Decision-Making in the Football Industry: A Case Study of PT Bali Bintang Sejahtera (2019–2023)
Get PDFThis study aims to analyze the financial performance of PT Bali Bintang Sejahtera Tbk for the 2019–2023 period based on liquidity, solvency, and profitability ratios to evaluate financial stability and the effectiveness of the club's business strategies within the football industry. This research utilizes secondary time-series data obtained from annual financial reports published on the Indonesia Stock Exchange (BEI). The analysis results indicate that PT Bali Bintang Sejahtera Tbk exhibits very high liquidity, with a current ratio of 875.19%, a quick ratio of 257.55%, and a cash ratio of 257.55%. In terms of solvency, the debt-to-asset ratio of 10.78% and the debt-to-equity ratio of 12.19% reflect a low dependency on debt. However, profitability still requires improvement, with a return on assets (ROA) of 5.75% and a return on equity (ROE) of 6.28%. This study contributes to a better understanding of financial performance in football clubs. Practically, the findings serve as a reference for investors, creditors, and club management in making strategic decisions related to investment, financing, and asset management to enhance profitability and competitiveness