Rumah Jurnal Institut Pesantren KH. Abdul Chalim
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Time Value Analysis of Money in Investment Decision Making: Discounted Cash Flow (DCF) Vs Monte Carlo Method
No full textInvestment feasibility analysis is very important in investing so that the investment can be known as feasible or not to run. In investing there is always a risk, where the risk can affect the feasibility of the investment to be run, therefore in this study the risk will be calculated and the effect on investment feasibility will be seen. This type of research uses a combination research method (mixed methods research), which is research based on a combination. The mixed method can also be called the mixed research method, is a planned, systematic, structured, and measurable effort to utilize together two research methods, namely quantitative and qualitative. The results of the investment feasibility analysis can be carried out by all fields. The results of investment analysis using the discounted cash flow method, Monte Carlo simulation, provide positive value in making investment decisions. The risk obtained from the results of the analysis is that the existing risk can reduce the NPV and IRR value of the investment
The Influence of Brand and Promotion on Increasing Sales in Medan Sadis Coffee
No full textThis study aims to determine Brand and Promotion on Sales Increase, this research uses quantitative methods with an associative approach. In this study, the population of consumers who come to Medan Sadis Coffee. The sampling method in this study used a probability sampling technique using a random sampling method of 92 respondents. Data analysis techniques used validity test, reliability test, classical assumption test, multiple linear regression analysis, t-test, F test, and coefficient of determination (R2) using SPSS version 16. The results of the t-test for the brand variable are t count -1.665 < t table is 1.986, meaning that the brand variable has no significant effect on increasing sales and the promotion variable t count is 4.220 > t table is 1.986 meaning that the promotion variable has a significant effect on increasing sales. F test of brand and promotion variables Fcount of 9.189 > F table 3.10 means that brands and promotions simultaneously affect sales increase
Bank Syariah Indonesia’s Strategy Increases Sharia Financial Literacy to Optimize Public Interest in Sharia Bank Products
No full textThis research aims to determine the strategy of Bank Syariah Indonesia (BSI) in increasing the community's Sharia financial literacy and implementing POJK Number 3 of 2023, as well as analyzing the influence of Sharia financial literacy on public interest in Sharia banking products. This research uses qualitative descriptive methods through interviews to identify Bank Syariah Indonesia's strategy for increasing Sharia financial literacy and uses quantitative methods to measure the level of Sharia financial literacy of the community and their interest in Sharia banking products. The respondents in this research were MSMEs with a total of 50 respondents. Then the data was analyzed using regression analysis. The results of this research show that Bank Syariah Indonesia is implementing several strategies to increase Sharia financial literacy, such as collaborating with educational institutions, government institutions, and associations, and through the BSI benefit program. Bank Syariah Indonesia's implementation of sharia financial literacy is following POJK Number 3 of 2023, namely through financial education and the development of sharia financial literacy infrastructure. Islamic financial literacy has a significant positive influence on interest in Islamic banking products.
 
Performance Achievement of Sharia Sharia Banks in Indonesia with the MSI Approach: Government Vs Private Owned
No full textThe prevalence of Islam among the Indonesian population has significant prospects for advancing Islamic banking institutions. The categorization of Islamic banks according to ownership is bifurcated into private and public ones. These researchers look at how well Islamic banks from both categories are doing using the Maqashid Sharia Index (MSI). It is essential to examine whether there are any variations in the performance of MSI (Muslim-owned banks) before and following the merger of state-run businesses (SOEs), as this merger impacts the structure of SOE-owned Islamic banks. The Mann-Whitney U-test, a quantitative approach, was employed to analyze data extracted from the financial statements of Islamic banks spanning the years 2016 to 2022. The results indicate performance variations between private and public Islamic banks, as measured by the MSI. Islamic banks that are privately owned demonstrated superior performance in terms of Maqashid Sharia, as seen by their dominance in the top five rankings. The research findings indicate that government-owned Islamic banks excel in promoting educational objectives, but private-owned Islamic banks demonstrate supremacy in advancing goals related to benefit and justice. The performance of state-owned Islamic banks in terms of MSI before and following the merger is equal.
 
Fiscal Transfer Redistribution and Regional Inequality between Island and Non-Island Provinces in Indonesia
No full textThe allocation of fiscal transfer funds to archipelagic provinces is currently still smaller than non-archipelagic provinces in Indonesia. Its ocean area is larger than that of non-island provinces, and vice versa. Meanwhile, the allocation determination is still based on land area. This study aims to analyze the determinant variables of fiscal transfer disparities between the two groups of provinces, simulate island fiscal transfer funds (DTFK), and analyze their impact on regional inequality. This research uses a panel data model, involving 8 island provinces and 24 non-island provinces, during 2008-2017. This research period was adapted to the 2017 Islands Regional Bill. The results of the DTFK simulation contributed to increasing the DAU, DAK, and DBH of the island provinces. In effect, DAK and DBH reduce regional inequality, while DAU does not
Queue System Analysis for Civil Servants' Rice Distribution Based on Web Platform at the Wamena Post Office, Papua Pegunungan
No full textThis research aims to create and evaluate a queue system for the distribution of rice quotas to civil servants (PNS) at the Wamena Post Office in the mountainous province of Papua. The study will utilize a User-Centered Design approach, encompassing phases such as user needs analysis, prototype design, website development, and user testing and evaluation. The results of the implementation and testing of the civil servants' rice quota queue system application at the Wamena Post Office indicate that the development of the application can be successful through the integration of both web and Android application platforms. Through this integration, the queue system has successfully transformed into a directly integrated and real-time online queue system. It aims to enhance the efficiency and effectiveness of public services for civil servants and the community when obtaining goods and services at the post office
Analysis of 4C Principles and Credit Eligibility of People's Businesses (Case Study on MSMEs Built by Mandiri BUMN House, Bogor)
No full textLess than 10% of Micro and Small Enterprises (MSEs) under the member of Rumah BUMN Mandiri, Bogor have successfully obtained Kredit Usaha Rakyat (KUR) from formal financial institutions. This study aims to determine the influence of the 4C Principles; character, capacity, capital, and condition, on the eligibility status for granting KUR to MSEs under the member of Rumah BUMN Mandiri, Bogor, and to formulate a business incubation program scheme based on the concept of Integrated Microfinance Management (IMM). The quantitative approach used is an independent t-test and Structural Equation Modeling (SEM), while the qualitative approach is conducted through thematic analysis. Data collection is carried out using purposive sampling through questionnaires distributed to 109 MSEs under the member of Rumah BUMN Mandiri, Bogor, and in-depth interviews with informed respondents. The research results indicate that the aspects of character, capacity, and condition significantly influence the eligibility status for KUR, while the capital aspect does not have a significant influence. There is a need for synergy between Rumah BUMN Mandiri, Bogor, and Bank Mandiri to increase the number of KUR recipients through an entrepreneurship empowerment program oriented towards achieving the output and outcome of the business incubation process, as well as effective socialization of business credit management
Tolerance Response of the Darussalam Islamic Boarding School, Blokagung, to the Ogoh-Ogoh Celebration in Blokagung, Karangndoro, Tegalsari, Banyuwangi
No full textThe Ogoh-Ogoh parade is a celebration that is inherent in the Hindu community in Banyuwangi. The existence of this parade is certainly a spirit and enthusiasm for the glory of the Hindu community. For the Islamic community, including Islamic boarding schools, it is a hard slap to the concept of religious tolerance which must be implemented and accustomed to. At first glance, the Ogoh-Ogoh parade is not interesting and is not suitable to be shown and shown, especially to children. The scary form of Ogoh-Ogoh symbolizes the devil and also, the form of Ogoh-Ogoh contains pornographic elements. However, even so, Hindus have their view of Ogoh-Ogoh as a symbol of human awareness of the power of the universe and the all-powerful time. This depiction in Hindu Dharma includes the personality of Bhuta Kala. Hindus think that the Ogoh-Ogoh parade will still be celebrated and preserved. Included in one of the cultures and complements the religious rites of Hindus. It is hoped that this article will add to the body of knowledge regarding the response of the Darussalam Islamic boarding school to the Ogoh-Ogoh celebration, precisely in Karangdoro Blokagung village
Legal Protection of Alternate Universe Authors Against Plagiarism Reviewed from MUI Fatwa No. 1/MUNAS VII/MUI/5/2005 (Case Study of Twitter Application)
No full textThis research aims to determine the legal protection for creators of alternate universe (AU) works whose works are plagiarized on Twitter social media based on the MUI Fatwa and to examine and analyze the ideal legal protection against acts of plagiarism of AU works. This research uses qualitative methods with content analysis research on social media regarding AU plagiarism on Twitter. This writing shows that there are regulations that guarantee legal certainty regarding copyright for writers who publish their stories on Twitter social media, which have been stipulated in Indonesian legal regulations.MUI Fatwa NO. 1/MUNAS VII/MUI/5/2005 concerning intellectual property rights, works containing forms must be given legal protection and the act of using, disclosing, making, using, selling, importing, exporting, circulating, handing over, providing, announcing, reproducing, plagiarizing, counterfeiting, hijacking other people's IPR without rights is injustice and is haram. The legal protection (mashun) is the same as mal (wealth). This fatwa underlines the importance of respecting copyright, maintaining intellectual integrity, and preventing acts of plagiarism. In the context of plagiarism cases on Twitter, the legal function is to protect, not only morally but also to protect and ethically regarding the consequences of plagiarism. The MUI fatwa contains norms that protect property rights holders. This provides a strong moral basis for society and Alternate universe authors to avoid or treat plagiarism seriously, along with a positive legal view that also protects intellectual property rights
The Influence of E-WOM and Perceived Ease of Use on Purchase Interest in Muslim Fashion Products with Trust as an Intervening Variable (Study on Shopee Users in Surakarta City)
No full textThis study aims to investigate the impact of Electronic Word of Mouth (E-WOM) and Perceived Ease of Use on the Purchase Intention of Muslim fashion products, with Trust as an Intervening Variable. The study was conducted on Shopee platform users in Surakarta City. This research method uses a quantitative approach by collecting data through an online survey of Shopee users who are interested in Muslim fashion products. Data analysis was carried out using statistical tests and regression to evaluate the relationship between the variables studied. The results showed that the E-WOM variable had a positive and significant effect on trust and buying interest in Muslim fashion products at Shopee