Rumah Jurnal Institut Pesantren KH. Abdul Chalim
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The Effect of Musharakah and Murabaha Financing on Profitability with Non-Performing Financing as a Moderating Variable (in Sharia Business Units Registered with the Financial Services Authority)
Get PDFThis study aims to analyze the effect of Musharakah and murabahah financing on profitability in Islamic business units, as well as to examine the impact of Non-Performing Financing (NPF) on profitability. Additionally, this research assesses whether NPF can moderate the effect of Musharakah and murabahah financing on profitability. Thus, the study is expected to provide comprehensive insights into the relationship between types of Islamic financing, financing quality, and financial performance of Islamic business units. The research method used is a quantitative approach with eight Islamic business units selected using purposive sampling between 2020 and 2023. The data were analyzed using Moderated Regression Analysis to test the hypotheses proposed in the study. The results indicate that Musharakah financing has a negative and significant effect on profitability, with a coefficient of -3.562 and a probability value of 0.001. This suggests that higher Musharakah financing is associated with decreased financial performance of Islamic banks. Conversely, murabahah financing has a positive and significant effect on profitability, with a coefficient of 4.593 and a probability value of 0.000, meaning that higher murabahah financing is associated with improved financial performance. NPF is not able to moderate the effect of Musharakah on profitability, with a coefficient of -2.667 and a probability value of 0.013, but it is able to moderate the effect of murabahah on profitability, with a coefficient of 8.981 and a probability value of 0.000. These results are consistent with several previous studies that support these findings
The Influence of Information Technology, Work Environment, and Work Efficiency on Employee Performance (A Case Study of Employees at PT Permodalan Nasional Madani in Pati City)
Get PDFThis study aims to analyze the influence of Information Technology, Work Environment, and Work Efficiency on Employee Performance at PT Permodalan Nasional Madani in Pati City. The method used is quantitative, with primary data collected through a questionnaire distributed to 140 employees. The data were analyzed using statistical analysis with Partial Least Squares (PLS) Structural Equation Modeling (SEM) utilizing SmartPLS 3.0. The results of the study indicate that Information Technology does not have a significant effect on employee performance (t-statistic = 1.415; P value = 0.079), leading to the rejection of the first hypothesis (H1). Conversely, the Work Environment has a positive and significant impact on employee performance (t-statistic = 2.372; P value = 0.009), resulting in the acceptance of the second hypothesis (H2). Additionally, Work Efficiency also demonstrates a positive and significant effect on employee performance (t-statistic = 5.079; P value = 0.000), thereby accepting the third hypothesis (H3). This study concludes that to enhance employee performance, the company should focus on developing a positive work environment and improving work efficiency, as well as investing in supporting technologies
The Use of E-commerce and QRIS as Digital Payment Solutions to Enhance Sales Performance in MSMEs in West Java
Get PDFThis study aims to examine the impact of digitalization on the performance of MSMEs, focusing on how the adoption of e-commerce and QRIS affects the sales performance of MSMEs in West Java through competitive advantage. The study also explores the potential of MSMEs in the current era of digitalization and provides recommendations based on the obtained results to support the growth of MSMEs on a national scale. To achieve these objectives, the study employs a quantitative analysis method. The quantitative component focuses on statistical analysis of the e-commerce and QRIS utilization among West Java MSMEs, MSMEs' sales performance, and MSMEs' competitive advantages in digitally active MSMEs. The analysis method in this study uses non-probability sampling and collected data from 400 MSME owners/actors in West Java. The data was collected using a survey and conducted in a non-contrived setting. This study uses SPSS version 29 for data processing, including validity testing, reliability testing, descriptive analysis, and three classical assumption tests, including normality, multicollinearity, and heteroscedasticity. In this study, a t-test, path analysis, and Sobel test were carried out on hypothesis testing. The study highlights that MSMEs that have successfully integrated digital technologies experienced improved business performance, including increased sales, expanded customer base, and improved operational efficiency. This study also proves the mediating role of competitive advantage which significantly and positively affects sales growth in MSMEs. The results of this study indicate the influence of partial mediation, namely complementary mediation
Effectiveness of Green Trust as a Mediating Variable in Extending TPB Theory to Electrical Automotive Adoption in Indonesia
Get PDFThis research aims to analyze the effectiveness of Green Trust as a mediating variable in expanding the TPB theory for the adoption of electric vehicles in Indonesia. The study method used is a quantitative method. Sampling in this study used a non-probability sampling technique with a purposive sampling method, where researchers deliberately selected respondents who were considered relevant for research purposes. Data was collected through questionnaires to all Indonesian people who have the intention to adopt automotive electrical. The data collection process was carried out through the use of a questionnaire with a Likert scale. The total number of respondents involved in this study was 425 respondents. The data analysis technique used in this study is the SEM PLS method, which consists of outer model and inner model analysis, with the help of SMARTPLS 4.0 software. The research results show that extensions of the TPB theory such as Attitude, Subjective Norm, and PBC variables have an effect on electrical automotive adoption, but green trust does not mediate the relationship between attitude and subjective norm towards adoption (EAV). This research provides valuable recommendations to increase the widespread adoption of electric automobiles in Indonesia.Penelitian ini bertujuan untuk menganalisis efektivitas Green Trust sebagai variabel mediasi dalam memperluas teori TPB pada adopsi kendaraan listrik di Indonesia. Metode penelitian yang digunakan adalah metode kuantitatif. Pengambilan sampel dalam penelitian ini menggunakan teknik non-probability sampling dengan metode purposive sampling, dimana peneliti dengan sengaja memilih responden yang dianggap relevan dengan tujuan penelitian. Data dikumpulkan melalui kuesioner kepada seluruh masyarakat Indonesia yang mempunyai niat mengadopsi kelistrikan otomotif. Proses pengumpulan data dilakukan melalui penggunaan kuesioner dengan skala likert. Jumlah responden yang terlibat dalam penelitian ini adalah 425 responden. Teknik analisis data yang digunakan dalam penelitian ini adalah metode SEM PLS yang terdiri dari analisis outer model dan inner model, dengan bantuan software SMARTPLS 4.0. Hasil penelitian menunjukkan bahwa perluasan teori TPB seperti variabel Attitude, Subjective Norm dan PBC berpengaruh terhadap adopsi otomotif elektrik, namun green trust tidak memediasi hubungan antara sikap dan norma subjektif terhadap adopsi (EAV). Penelitian ini memberikan rekomendasi berharga untuk meningkatkan adopsi otomotif listrik secara luas di Indonesia
The Effect of Service Quality, Brand Image, E-WOM, Customer Satisfaction on Customer Loyalty
Get PDFService quality has become an important strategy in business that encourages customer involvement in creating products that meet customer demand to create customer satisfaction. Brand Image and E-WOM are also still important considerations that influence customer satisfaction. With customer satisfaction, it will be a factor in customer loyalty. The purpose of this study is to identify the effect of service quality, brand image, E-WOM, and customer satisfaction on loyalty in the Jabodetabek fashion industry. This study was designed using a purposive sampling method involving 180 customers who had purchased from several store brands in Jabodetabek malls. Data were analyzed using the Structural Equation Model (SEM), with SmartPLS 4.0. Some of the findings in this study are that service quality, brand image, and E-WOM affect customer loyalty and service quality also has a direct effect on customer loyalty, while E-WOM and customer satisfaction do not affect customer loyalty. The managerial implications of this study are that although in general customer satisfaction contributes to loyalty, this relationship is not always simple and certain. In a competitive market like Jabodetabek with international fashion brands, other factors such as price, trends, and brand awareness also play an important role in determining customer loyalty
Implementation of Khiyar Aib in the Sale and Purchase of Wooden Beam from the Perspective of a Compilation of Sharia Economic Law (Case Study in Southeast Padangsidimpuan District)
Get PDFThe study aims to evaluate the application of khiyar aib in wooden block buying and selling transactions. Khiyar means choice, which is the right to choose the best option among several choices. Khiyar aib is the right of the buyer to cancel the transaction and return the goods if the goods are defective. This type of research is empirical legal research with a population consisting of all Panglong in Padangsidimpuan Tenggara District. The research samples are Panglong Jati Raya, Panglong Berlian Jaya, and Panglong Mandiri Lestari. Based on interviews with the owners of the three Panglongs, it was found that none of the Panglongs applied khiyar aib in the practice of buying and selling, even though the owner was a Muslim. As regulated in the Compilation of Sharia Economic Law, in Book II Chapter X, and in Law Number 8 of 1999 concerning the obligations of business actors and consumer rights. The application of khiyar aib should be an important part of the practice of buying and selling. The results of the study indicate a discrepancy between legal theory and field practice in the area
Management Integrative Curriculum for Modern Islamic Boarding Schools Based on Kulliyatul Mu'allimin Al Islamiyyah
No full textThe purpose of this article is to describe the management integrative curriculum that has been implemented since 1991 at the Diniyyah Pasia Modern Islamic Boarding School. To explore this information the researcher used a qualitative approach with a descriptive model with a case study method. The data collection techniques used by researchers in this research were observation, interviews, documentation studies, and triangulation. Meanwhile, the data analysis technique used by researchers is descriptive data analysis. In analyzing qualitative research data related to integrative curriculum management, the researcher used the help of the NVivo 12 Plus application. Data analysis is carried out using the following steps: 1) Import data/data sources, 2) Data coding, 3) Visualization of coding results using Word Frequency Query Result 4) Presentation of results using word cloud, 5) concluding word cloud. Researchers found that Islamic boarding schools that implement an integrative curriculum must begin to consider implementing the Mua'dalah Education Unit curriculum which is expected to be a solution to the many burdens of teachers and students when implementing an integrative curriculum
Implementation of Arabic Language Learning With School-Based Management
No full textThis research aims to describe the concept of implementing Arabic language learning with school-based management at Madrasah Aliyah Negeri 1 Bulukumba. The method used in this research is field research. The results of this research concluded that the concept of implementing Arabic language learning with school-based management at Madrasah Aliyah Negeri 1 Bulukumba was implemented through several strategies, namely listening skills (Istima) which were implemented through several activity steps, namely determining Istima' materials according to the theme to be taught, determining concepts relevant to istima. Meanwhile, the reading proficiency strategy (qira'ah) is implemented by the teacher reading Arabic texts well and correctly and also translating them, then students listen carefully. The skills in writing (kitabah) are carried out by the Arabic language study teacher by showing several sentences on the blackboard, then the students read and pay close attention for a few moments. Then the material is removed, then dictated, and students write into notebooks what the teacher dictates. For speaking skills (kalam), the Arabic language study teacher starts by pronouncing new vocabulary (mufrodat) one by one by the language study teacher and then imitates all the students
Effective Strategies in School Promotional Management: A Case Study at MTs Al Kautsar Yogyakarta
No full textThis research aims to analyze the promotional management activities related to (1) Planning, (2) Organizing, (3) Implementing, and (4) Supervising carried out at MTs Al Kautsar Yogyakarta. The research employs a qualitative approach with a case study methodology. The subjects of the research include the foundation, school principals, teachers, and students. Data collection was conducted through interviews and documentation, while data validity was ensured using triangulation. The data analysis involved three stages: data reduction, data presentation, and verification. The results of this research are as follows: 1) Planning: School promotion planning begins with an analysis conducted by the KS to determine the goals and budget, which are then submitted to the foundation. The final meeting, attended by the foundation, school principals, and senior teachers, involves determining promotional strategies, media, and techniques. The school targets are then implemented by senior teachers. A reduction in funds occurred because the school did not have a sponsor. The outcomes of the promotional meeting were documented in minutes. 2) Organizing. The foundation initiates the organizing process by selecting teams based on seniority. Information about activities is conveyed verbally, and there is no official decree regarding the structure or duties of each member. 3) Implementing: Door-to-door promotional activities are conducted directly at schools and other locations by distributing brochures. 4) Supervising: The foundation supervises the entire process, starting with planning by making decisions on goals and budgets, organizing by selecting a core team, and implementing by monitoring promotional activities
Strategies for Learning Arabic Using Flashcards to Enchance Reading Skills Among Students of Islamic Elementary Schools in Kertosono
Get PDFPurpose- This research aims to analyze the effectiveness and impact of Arabic language learning strategies using flashcards in enhancing reading skills among students of Islamic primary schools.
Design/methodology/approach- This study uses a quantitative research through experimental evaluation of a single group using pre-test and post-test, with a research sample consisting of 73 individuals, and the number of samples being 12 students in the sixth grade of the Islamic primary school in Kurtosono.
Findings/results – The research results and discussion indicate that learning Arabic by sixth-grade students at Kertosono Islamic Elementary School using flashcards has a positive impact on reading skills.
Originality/value – The learning Arabic using flashcards is effective and influential in enhancing reading skills among sixth-grade students at the Islamic primary school in Kertosono.
Paper type – Research pape