Rumah Jurnal Institut Pesantren KH. Abdul Chalim
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The Influence of Psychological Factors, Framing Effects, and Incidental Emotions on Young People's Stock Investment Decisions: A Case Study of Investment Education Content on TikTok
Get PDFThis study aims to analyze the influence of psychological factors (consisting of overconfidence, herding behavior, FOMO, emotions, and considering the past), framing effect, and incidental emotions on young people’s stock investment decisions, in the context of investment education content on the TikTok social media platform. The background of this study is based on the phenomenon of the rise of investment education content, especially in the stock sector on TikTok, and the increasing number of active young investors. The research approach uses a quantitative method. The sample consisted of 190 respondents who were active students of the Management Study Program, Islamic University of Indonesia, who invested in stock instruments. The results of the study showed that psychological factors had a significant influence on stock investment decisions. Meanwhile, when the psychological factors construct was tested, the results were only overconfidence and considering the past that influenced investment decisions. Meanwhile, herding behavior, FOMO, and emotions did not affect investment decisions. In addition, framing effect, incidental emotions, and investment education content were not proven to have a positive effect on investment decisions
Strategic Efforts to Enhance the Mudharabah Financing Portfolio at PT Bank Sumut Syariah Medan through the Analytic Network Process (ANP) Approach
Get PDFIslamic banking in Indonesia has experienced rapid growth in recent years, in line with the increasing public awareness of fair and sustainable Islamic economic principles. The mudharabah contract, as one of the core profit-sharing products in Islamic banking, holds significant potential in supporting real sector financing, particularly for MSMEs. However, data from PT Bank Sumut Syariah for the 2019-2023 period indicates a declining trend in the proportion of mudharabah financing, reflecting strategic challenges such as moral hazard risks, information asymmetry, and the bank’s preference for lower-risk contracts like murabahah. This study aims to formulate strategies to enhance the mudharabah financing portfolio at PT Bank Sumut Syariah in Medan using the Analytic Network Process (ANP) method. Data were collected through in-depth interviews with experts, regulators, and practitioners involved in mudharabah financing. The findings reveal that the factors contributing to the fluctuation and relatively low share of mudharabah financing compared to other contracts are divided into two main aspects: internal and external. To address these challenges, one effective solution is to provide training for MSME actors to improve their skills and capabilities. The top priority strategies include: maximizing the implementation of mudharabah, strengthening the capital portfolio, accurate market segmentation, establishing a risk guarantee institution, conducting education and outreach programs, and fostering partnerships with external mentoring organizations
Reformulation of the Approval of the Honorary Council of Notaries in Providing Recommendations for the Interests of the Court
Get PDFThe Notary Honorary Council as a new organ that emerged in the Amendment to the UUJN has become a crucial organ in the law enforcement process for the benefit of the judiciary and its efforts to maintain the nobility and dignity of the Notary Office, this is because of the approval or rejection issued by the MKN at the request of investigators, public prosecutors or judges when they want to take a photocopy of the Minutes of the Deed and/or summon a Notary related to the Deed or Notary Protocol that is in the Notary's storage. This article provides an understanding of the actual characteristics of the MKN's authority and what the MKN's recommendation formulation is in order to maintain the honor of the Notary Office and uphold the judicial process. The results of the analysis found that the MKN's authority to provide approval or rejection of requests from investigators, public prosecutors, or judges for the benefit of the judiciary and the authority in terms of guiding as referred to in Article 66 and Article 66A of the Amendment to the UUJN is categorized as attributive authority based on several reasons: Authority granted by law; Authority that cannot be transferred; and Special purpose of authority. Meanwhile, the MKNW recommendation formulation for approval or rejection is in the form of a final and binding state administrative decision, and there are no Administrative Efforts. Clear procedures serve to realize legitimacy, transparency, and responsibility as well as the protection of the rights and interests of Notaries. The structure of the recommendation for approval or rejection made by the MKNW can at least include: the identity of the parties involved, the legal basis for the application, a description of the request, considerations and reasons for approval, limitations and provisions, the validity period of the approval, signatures, and official stamps
Disfungsi Negara Dalam Penegakan Hukum Pencatatan Nikah
Get PDFState dysfunction in the enforcement of marriage registration laws is a significant issue affecting community compliance with the law and the protection of individual rights. These problems involve weak mechanisms for implementing laws, lack of public awareness, and lack of strict sanctions against violations. This research aims to identify the various dysfunctions that lead to imperfect law enforcement in the marriage registration system. The method used is a descriptive qualitative approach with data collection techniques through interviews, observation, and documentation studies and using data analysis techniques with the Miles and Huberman model. The research location was at the Office of Religious Affairs (KUA) of Batanghari District, East Lampung, with informants consisting of couples who performed nikah siri, KUA staff, and Islamic religious counselors. The results showed that state dysfunction occurred due to weak inter-agency coordination, low public legal awareness, and ineffective supervision and enforcement of sanctions against marriage registration violations. The implications of this dysfunction include legal uncertainty for couples and children born from unregistered marriages. The novelty of this study lies in its in-depth analysis of the state's failure to ensure compliance with marriage registration as part of a broader legal system, in contrast to previous studies that have focused more on social factors.
Disfungsi negara dalam penegakan hukum pencatatan nikah menjadi isu signifikan yang memengaruhi kepatuhan masyarakat terhadap hukum dan perlindungan hak individu. Permasalahan ini melibatkan lemahnya mekanisme implementasi aturan hukum, minimnya kesadaran masyarakat, serta kurangnya sanksi tegas terhadap pelanggaran. Penelitian ini bertujuan untuk mengidentifikasi berbagai disfungsi yang menyebabkan ketidaksempurnaan penegakan hukum dalam sistem pencatatan nikah. Metode yang digunakan adalah pendekatan deskriptif kualitatif dengan teknik pengumpulan data melalui wawancara, observasi, dan studi dokumentasi serta menggunakan teknik analisis data dengan model Miles and Huberman. Lokasi penelitian berada di Kantor Urusan Agama (KUA) Kecamatan Batanghari, Lampung Timur, dengan informan terdiri dari pasangan yang melakukan nikah siri, staf KUA, serta penyuluh agama Islam. Hasil penelitian menunjukkan bahwa disfungsi negara terjadi akibat lemahnya koordinasi antar lembaga, rendahnya kesadaran hukum masyarakat, serta ketidakefektifan pengawasan dan penegakan sanksi terhadap pelanggaran pencatatan nikah. Implikasi dari disfungsi ini meliputi ketidakpastian hukum bagi pasangan dan anak-anak yang lahir dari pernikahan tidak tercatat. Kebaruan penelitian ini terletak pada analisis mendalam mengenai kegagalan negara dalam memastikan kepatuhan pencatatan nikah sebagai bagian dari sistem hukum yang lebih luas, berbeda dari penelitian sebelumnya yang lebih menitikberatkan pada faktor sosial dan budaya pernikahan tidak tercatat. Temuan penelitian ini diharapkan dapat menjadi dasar dalam merumuskan kebijakan yang lebih efektif untuk meningkatkan kesadaran dan kepatuhan masyarakat terhadap pencatatan nikah serta memperkuat peran negara dalam menegakkan hukum perkawinan. Penelitian ini juga bertujuan untuk memberikan rekomendasi konkret guna memperbaiki sistem pencatatan nikah di Indonesia, meningkatkan efektivitas pengawasan, serta memperkuat sosialisasi kepada masyarakat. Dengan demikian, penelitian ini berkontribusi dalam memperkuat kebijakan hukum keluarga Islam dan meningkatkan kepastian hukum dalam pernikahan
Transformasi Kognitif Sosial Santri Penghafal Al-Qur’an Prespektif Neuroplastisitas
No full textThe study aims to examine the cognitive changes experienced by students who memorize the Al-Qur'an at PP An Nur Lopang Kembangbahu Lamongan. The study used a qualitative method with a phenomenological approach. Data collection was carried out by interviewing and participating in observations of 2 students, 1 administrator of the Islamic boarding school. The data was then processed and analyzed using Jonathan A. Smith's Interpretative Phenomenological Analysis (IPA) with the steps (1) Reading and Re-reading, Initial Noting, Developing Emergent Themes, Searching for connections a cross emergent themes, Moving the next cases (6) Looking for patterns across cases. Then its credibility was tested with data triangulation and member checking. The results showed that there were significant changes in students towards brain structure and function which showed neuroplasticity including: (1) There was an increase in long-term memory; (2) students' resilience to stress; (3) the development of metacognition; (4) the formation of a growth mindset that is integrated with the values in the Al-Qur'an. The findings also show that there is a strategy for differentiating tahfidz classes carried out by the institution to support the optimization of students' working memory and prevent students from cognitive burden so that cognitive development and neuroplasticity in students run optimally.Perubahan kognitif yang dialami oleh santri penghafal Al Qur’an di PP An Nur Lopang Kembangbahu Lamongan prespektif neuroplastisitas perlu untuk di dalami dalam pendidikan islam sehingga metode hafalan yang digunakan kedepan memiliki landasan kuat bagi perkembangan neuroplastisitas santri. Penelitian menggunakan metode kualitatif dengan pendekatan fenomenologi. Pengumpulan data dilakukan dengan wawancara dan observasi partisipatif kepada 2 santri, 1 pengurus pondok pesantren. Data kemudian diolah dan dianalisis menggunakan Interpretative Phenomenological Analysis (IPA) Jonathan A.Smith dengan langkah (1) Reading and Re-reading, Initial Noting, Developing Emergent Themes, Searching for connection a cross emergent themes, Moving the next cases (6) Looking for patterns across cases. Kemudian diuji kredibilitasnya dengan triangulasi data dan member checking. Didapatkan hasil bahwa terdapat perubahan signifikan pada santri terhadap struktur dan fungsi otak yang menunjukkan neuroplastisitas diantaranya: (1) Adanya peningkatan memori jangka panjang; (2) ketahanan santri terhadap tekanan; (3) adanya perkembangan metakognisi; (4) terbentuknya pola pikir berkembang atau growth mindset yang terintegrasi dengan nilai-nilai dalam Al Qur’an. Temuan juga menunjukkan adanya strategi diferensiasi kelas tahfidz yang dilakukan oleh lembaga guna mendukung optimalisasi memori kerja santri dan menghindarkan santri dari beban kognitif sehingga perkembangan kognitif dan neuroplastisitas pada santri berjalan dengan optimal
The Influence of Price Perceptions and Lifestyle on Purchasing Decisionss for Iphone Smartphones in Generation Z Surabaya
No full textAdvances in information technology encourage people, especially Generation Z, to increasingly rely on digital devices such as smartphones. Thissstudyyaimssto evaluate the influenceeoffperceived priceeanddlifestyleeon iPhone purchase decisions among Generation Z aged 20-24 years in Surabaya. Using a non-probability approach with purposive sampling method, 100 respondents were involved. Data analysis was conducted through the Partial Least Square (PLS) method. The results showed that price perception has the mostsdominanttinfluenceeinnpurchasinggdecisions, because consumers consider the suitability between price and product quality. In addition, lifestyle also plays an important role as a supporting factor, as the iPhone is often associated with a modern image and a symbol of social status. The findings provide strategic insights for businesses in designing more effective marketing approaches that suit the characteristics of young consumers
The Influence of Madrasah Quality and Brand Image Through Electronic Word of Mouth (E-WoM) on the Decision to Enroll at MI PKP DKI Jakarta
Get PDFThis study aims to analyze the influence of Electronic Word of Mouth (E-WoM), school quality, and citra merek (brand image) on parents' decisions to enroll their children at MI PKP. The research uses a quantitative approach with a sample of 443 respondents, analyzed using SmartPLS software. The results indicate a significant relationship between the variables E-WoM, school quality, and citra merek (brand image) on parents’ decision-making in selecting MI PKP as an educational institution for their children. E-WOM influences parents’ perceptions of the school’s reputation and quality through online reviews and recommendations. School quality, including aspects such as facilities, curriculum, and teacher competency, plays an essential role in influencing this decision. Citra merek (brand image) also contributes to parents' confidence in the education quality at MI PKP. These findings highlight the importance of strategies to improve service quality and manage the school's image to attract prospective students
Implementation of Artificial Intelligence (AI) in Evaluating Strategic Decisions Based on Islamic Values
Get PDFDecision-making is an important process in management that involves systematically selecting the best alternative to solve a problem. In the digital era, artificial intelligence (AI) has changed the paradigm of decision-making in companies, especially in marketing, finance, management information systems, and product development. AI enables big data analysis, hidden pattern detection, and automation of processes that previously required human intervention, thereby increasing operational efficiency and innovation. However, the use of AI raises ethical challenges, such as transparency, algorithmic bias, data privacy, and its impact on the workforce. From an Islamic perspective, the application of AI must be in line with sharia principles such as justice ('adl), amanah, maslahah, and shura. AI is seen as a tool (not a substitute) in supporting human duties as caliphs on earth, with use directed to achieve public welfare without violating the boundaries of Islamic ethics and law. Human and AI collaboration in corporate decision-making must be developed holistically with a balanced moral, spiritual, and technological approach to achieve blessings and sustainable welfare (falah)
Analysis of the Influence of Dividend Policy and Investment Decisions on the Share Prices of IDX Manufacturing Companies 2019–2023
Get PDFThis study aims to analyze the implications of the existence of the Indonesian National Cooperative Council (Dekopin) in the context of national cooperative development. Using a qualitative descriptive method with a normative juridical approach, this research explores the legal, institutional, and operational aspects of Dekopin following the issuance of Law Number 11 of 2020 concerning Job Creation. The study finds that Dekopin's current structure raises legal questions regarding its institutional legitimacy, especially with the establishment of two competing organizational versions, which contradict the principles of cooperative unity and the Indonesian Cooperative Law. The results reveal that the government's ambiguity in enforcing legal clarity has led to confusion among cooperative actors and weakened the cooperative movement. This research suggests that the government needs to immediately revise or provide legal certainty regarding Dekopin's institutional status to strengthen the cooperative sector's governance and unity. The study also highlights the need for a more inclusive and democratic cooperative representation to ensure the optimal realization of cooperative development in Indonesia
The Influence of CSR on Customer Loyalty with Trust and Customer Satisfaction as Mediating Variables at PT. Swen Inovasi Transfer
Get PDFThis study aims to analyze the impact of Corporate Social Responsibility (CSR) on customer loyalty, mediated by customer trust and satisfaction, at PT. Swen Inovasi Transfer, which implements a CSR program in the form of biogas digester assistance. The program seeks to introduce biogas as an environmentally friendly renewable energy source and to raise public awareness of the importance of clean energy. This research employs SEM-PLS analysis to examine the direct and indirect effects of CSR on customer loyalty. The findings reveal that CSR has a significant positive impact on customer satisfaction and loyalty, and it can enhance loyalty through increased satisfaction. However, customer trust was not found to have a significant effect on loyalty. These findings suggest that effective CSR programs should incorporate efforts to enhance customer satisfaction in order to build sustainable loyalty, with a particular emphasis on transparency and product quality