e-Jurnal Universitas Islam Negeri Raden Mas Said
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THE EFFECT OF GOLD PRICE FLUCTUATIONS ON CUSTOMER INTEREST IN GOLD INSTALLMENT INVESTMENTS
No full textGold installment products at Bank Syariah Indonesia represent Sharia-compliant investment instruments that emphasize the principles of avoiding usury, gharar, maysir, and speculative practices, ensuring that transactions occur transparently and in accordance with Islamic financial ethics. This study aims to analyze the effect of gold price fluctuations on customer interest in investing in gold installment products at PT Bank Syariah Indonesia Duri Hangtuah Branch Office. This study uses a quantitative approach with a correlational research type to determine the relationship between the variable of gold price fluctuations (X) and customer interest in investing in gold installments (Y). The research sample consisted of 67 respondents selected through accidental sampling techniques. Data were obtained through questionnaires and analyzed using simple linear regression analysis with the help of SPSS version 25. The results show that gold price fluctuations have a positive and significant effect on customer interest, as evidenced by the calculated t-value of 9.513 > t-table 1.296 and a significance level of 0.000 < 0.05. The coefficient of determination (R²) value of 0.582 indicates that 58.2% of the variation in customer interest is explained by gold price fluctuations, while the remaining 41.8% is influenced by other factors outside the model, such as promotions, investment risks, and financial literacy. This study contributes to the Islamic finance literature by empirically demonstrating that volatility in Islamic gold prices can increase customer interest. Practically, these findings suggest that Indonesian Islamic banks should utilize real-time gold price monitoring in their Sharia-compliant marketing and customer education strategies
THE ROLE OF LIQUIDITY AND FINANCING RISK INFLUENCING PROFITABILITY OF SHARIA RURAL BANK IN INDONESIA
No full textThis study aims to analyze and prove empirically the effect of liquidity and financing risk, either partially or simultaneously, on profitability at Sharia Rural Banks (SRB) in Indonesia during the period 2021 to 2024. This study uses a quantitative approach with monthly secondary data sourced from the Islamic Banking statistical reports of the Financial Services Authority (OJK). Data analysis techniques used are descriptive statistics, classical assumption test, and hypothesis test. The test results showed that liquidity has a positive and significant effect on the profitability of SRB, which indicates that optimal liquidity management is crucial in achieving profits. In contrast, variable risk financing (NPF) was found to have no significant effect on SRB profitability, implying that SRB may have implemented effective risk mitigation strategies to mitigate the impact of NPF on net income. And simultaneously the liquidity and financing risk variables do not affect the profitability of the SRB in Indonesia. These findings provide practical implications for SRB management and regulators to focus strategies on balancing cash availability with productive financing allocation in order to achieve sustainable profitability
PERCEIVED QUALITY AND WILLINGNESS TO BUY AS DETERMINANTS OF PRICE CHANGE FREQUENCY: EVIDENCE FROM RETAIL STORES IN BANDUNG
No full textThis study examines the influence of perceived quality and willingness to buy on the frequency of price change in the retail sector, using evidence from retail stores in Bandung, Indonesia. In highly competitive retail markets, price adjustments are often treated as firm-driven decisions; however, consumer perceptions and behavioral responses may also play a critical role in shaping pricing dynamics. Using a quantitative approach, data were collected from retail consumers and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that perceived quality has a positive and significant effect on the frequency of price change, suggesting that retailers tend to adjust prices more frequently when consumers perceive product quality favorably. In addition, willingness to buy is found to positively influence price change frequency, implying that stronger consumer purchase intention encourages retailers to respond more actively through pricing adjustments. These findings demonstrate that price change frequency in retail settings is not solely driven by internal cost or competitive factors but is also influenced by consumer evaluations and market signals. As a contribution to the literature, this study offers a novel perspective by positioning price change frequency as an outcome of consumer psychological constructs rather than merely a determinant of consumer behavior. The results provide practical insights for retail managers in Bandung and similar urban markets to design pricing strategies that are responsive to consumer perceptions while maintaining strategic pricing consistency
Agricultural Education Program on Biosaka Production to Reduce Dependence on Chemical Fertilizers and Pesticides in Sidosari Village
No full textSidosari Village in Salaman District, Magelang Regency, has strong agricultural potential, mainly from rice farming as the main source of income. However, heavy use of chemical fertilizers and pesticides has caused soil degradation, ecological imbalance, and health problems for farmers. This community service program introduced Biosaka, a natural elicitor made from local weeds, as an environmentally friendly alternative. Biosaka strengthens plant resistance to pests and diseases and can reduce chemical fertilizer use by 50 to 90 percent. The program used Participatory Action Research (PAR) with stages of problem identification, socialization, hands-on training, observation, and reflection. It was held from July 15 to August 2, 2024, at Sidosari Village Hall and involved representatives from 30 farmer groups. Participants successfully produced Biosaka solutions that met quality criteria, including homogeneity, absence of sediment, and appropriate pH and TDS levels. They also demonstrated high enthusiasm and provided positive feedback on the accessibility and benefits of Biosaka. The activity fostered collaboration among students, farmers, and the community, thereby increasing awareness and skills in sustainable agricultural practices. Results indicate potential improvements in soil health, reduced production costs, and long-term environmental sustainability in local agriculture
Training on HOTS-Based Question Development to Enhance Learning Assessment Skills of Teachers at MIN 5 Magelang
No full textMost teachers at MIN 5 Magelang have difficulty creating HOTS (high order thinking skills) questions due to limited conceptual understanding, lack of specialized training, limited time, and scarce learning resources. These factors make it challenging for teachers to design questions with a high cognitive level that align with Bloom's taxonomy and the learning context. Learning assessment skills are among the essential competencies teachers must possess. Compiling HOTS questions is a critical skill for teachers in the 21st century to prepare students for future challenges. This community service employs a unique service learning method by applying concentrated experience, reflective observation, abstract conceptualization, and active experimentation. This approach emphasizes collaboration and real-life experience, enabling teachers not only to learn theory but also to practice together. The results show an increase in learning assessment skills in compiling HOTS questions based on various indicators, including understanding HOTS questions, their characteristics, question levels, and Bloom's taxonomy
NEGOTIATING IDENTITIES: FIRST-YEAR STUDENTS AND INCLUSIVE MULTICULTURAL EDUCATION AT UIN SALATIGA
No full textThis study aimed to investigate the mutual impact on inclusive multicultural education for new university students after the pandemic. The shift from online to offline meetings made them unaware that they were now university students who competed for negotiating identities. Applying the salad bowl and inclusive multicultural education, this ethnographic study selected 10 university students of the Faculty of Da’wa UIN Salatiga. Individual interviews and two FGDs were conducted. The first FGD was done to reveal recommendations for the second FGD. Banks’ dimensions of multicultural education are reflections to be considered: content integration, the knowledge construction process, prejudice reduction, equity pedagogy, and an empowering school culture and social structure. The research revealed that the first-year experience of these university students was used as a reflection time to depict the strategies they used in their intercultural communication experiences. The study revealed that the first year of living in a university was like a honeymoon phase, after being comfortable with the education system, due to the pandemic. Surprisingly, the dimensions of multicultural education can promote cultural diversity, though loyalty to ethnicities was still perceived. A prospective multicultural education is a way to promote differences among students while still keeping and negotiating their identities.
Keywords: identity negotiation, intercultural communication, multicultural education, salad bowl mode
Evaluating Tyler’s Curriculum Model in Arabic Language Learning at MTs Alkhairaat Gorontalo: Evaluasi Model Kurikulum Tyler dalam Pembelajaran Bahasa Arab di MTs Alkhairaat Kota Gorontalo
No full textThis study examines the implementation of the Tyler evaluation model in the Arabic language curriculum at MTs Alkhairaat Kota Gorontalo by positioning Islamic education as its epistemological context, in which Arabic functions as the primary medium for transmitting the intellectual heritage of Islam—including the Qur’an, Hadith, and the classical scholarly tradition. In global discourse, research on Arabic curriculum evaluation remains dominated by perspectives of design and planning, while empirical studies that assess how curriculum goals are realized in classroom practice within madrasahs are still limited. This study employs a qualitative approach, analyzing curriculum documents and teaching modules, as well as conducting interviews with the Arabic language teacher. The findings indicate that although the teacher has implemented goal-based evaluation, the practice remains procedural and not fully reflective, particularly in integrating dimensions of the humanities, Arabic sociolinguistics, and the formation of Arabic linguistic identity, all of which are integral components of language pedagogy within the tradition of Islamic education. Evaluation tends to be used to verify technical linguistic proficiency rather than as a diagnostic instrument to examine the alignment between goals, learning experiences, and learning outcomes. These findings suggest that Arabic curriculum evaluation in madrasahs needs to be strengthened so that it is not limited to linguistic competence, but also supports the internalization of values, identity, and religious literacy. This study provides empirical evidence that goal-based evaluation in Islamic education requires contextual adaptation to align with the role of Arabic as a carrier of the intellectual and spiritual heritage of the Muslim community
Revitalisasi Kearifan Lokal Melalui Bermain Peran Dalang Wayang Sebagai Inovasi Pembelajaran di PAUD
No full textPenelitian ini bertujuan merevitalisasi kearifan lokal melalui kegiatan bermain peran dalang wayang sebagai inovasi pembelajaran di PAUD. Penelitian menggunakan pendekatan kualitatif deskriptif. Teknik pengumpulan data meliputi observasi, wawancara, dan dokumentasi. Partisipan terdiri dari dua guru kelas TK B dan delapan belas anak TK B di PAUD Saymara Kartasura. Kontribusi utama penelitian ini adalah model pembelajaran inovatif berbasis peran dalang wayang yang secara unik merevitalisasi kearifan lokal Jawa di PAUD berdasarkan observasi pra-pasca intervensi. Guru berperan sebagai fasilitator yang membantu anak menyesuaikan cerita dengan pengalaman mereka. Revitalisasi kearifan lokal melalui dalang wayang memperkuat karakter positif, menumbuhkan kecintaan pada budaya, dan memperkaya pembelajaran kontekstual di PAUD.
Kata kunci: Kearifan Lokal, Bermain Peran, Dalang Wayang, Pendidikan Anak Usia Dini
This study aims to revitalize local wisdom through role-playing as a wayang puppeteer as an innovative learning approach in early childhood education (PAUD). It employs a qualitative descriptive approach. Data collection techniques include observation, interviews, and documentation. Participants consist of two TK B class teachers and eighteen TK B children at PAUD Saymara Kartasura. The main contribution is an innovative learning model based on the role of a wayang puppeteer, which uniquely revitalizes Javanese local wisdom in PAUD based on pre- and post-intervention observations. Teachers act as facilitators who assist children in adapting stories to their experiences. Revitalizing local wisdom through wayang puppeteering strengthens positive character, fosters love for culture, and enriches contextual learning in PAUD.
Keywords: local wisdom, role-playing, wayang puppeteer, PAUD.
Keywords: Local Wisdom, Role Play, Puppet Master, Early Childhood Educatio
SPEECH ACTS OF RELIGIOUS MODERATION IN VAKIL AND VAKIL'S DIGITAL COMIC '40 SUFI'
Get PDFThis study discusses representative speech acts in digital comic discourse created by Mohammed Arif Vakil and Mohammed Ali Vakil reflecting the religious moderation among societies. The comic discourse campaigns for the importance of tolerance between human beings. The analysis focuses on the reflection of religious moderation in one chapter entitled ‘Ethic’ which describes the relation among human beings. The chapter is chosen due to its message which focuses on relation among people. The data of this research were obtained from the whole texts and pictures in the chapter. The texts in the comic became the main data whereas the images were put as secondary data. These data were then processed and classified into several speech act classifications proposed by Searle. The result shows that the most dominant speech act performed by the comic maker is representative speech acts. Meanwhile the directive speech acts are commonly used to give the direct moral lessons. The chapter reflects religious moderation in three points i.e. (1) applying good attitudes to others; (2) reflecting the moral value; (3) helping others without hurting the feelings by applying the representative and directive speech acts to convey the religious moderation. The representative speech acts function as the utterances of giving statement and admitting about something related with good deeds and never hurting others while the directive speech acts functions as the utterances of requesting, asking, and recommending certain things. The directive speech acts take the roles as the directive meanings on moral values
Examining Franz Brentano's Concepts of Good and Bad in Sophocles' Antigone: Insights for Islamic Moral Consideration
Get PDFThe purpose of this research is to investigate the good and bad themes of love and recognition in Sophocles' Antigone, which is within the framework of Franz Brentano's philosophical concepts and Islamic views. The main questions asked are: How do love and recognition help to understand good and bad actions in the narrative of "Antigone"? And how do these themes resonate in Islamic moral views? To answer these questions, the research uses the method of literary analysis based on historical texts, philosophical theories, and religious insights. The analysis shows that the character of Antigone shows the conflict between family loyalty and social rules, showing that love can lead to noble actions with tragic consequences. Meanwhile, Creon's character represents the dangers of pride and blind judgment and tries to enforce human laws over divine principles. The findings highlight the complexity of ethical decisions and show that what is considered good or bad may vary based on individual perspectives and social norms. Finally, this research shows how Antigone's narrative reflects the interplay of love, cognition, and ethical dilemmas and makes Brentano's thoughts on ethics reconsidered in the light of Islamic teachings. This study concludes that a deep commitment to these themes encourages a more nuanced understanding of moral ambiguity and human behavior