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All Journal Journal of Islamic Medicine Jurnal Manajemen Informasi dan Administrasi Kesehatan Majalah Ilmiah Bijak GOLDEN AGE: JURNAL PENDIDIKAN ANAK USIA DINI Ta'dib: Jurnal Pendidikan Islam Jurnal Abdimas Madani dan Lestari (JAMALI) Science Midwifery Jurnal Penelitian Manajemen Terapan (Penataran) wacana equiliberium (jurnal pemikiran penelitian ekonomi) Inspirasi Ekonomi : Jurnal Ekonomi Manajemen Akuntansi Bisnis & Manajemen (ABM) Jurnal Ekonomi dan Manajemen Indonesia NUSRA: Jurnal Penelitian dan Ilmu Pendidikan Jurnal Ilmiah Kesehatan Masyarakat Jurnal Sains dan Teknologi Jurnal Pengabdian Mandiri International Journal on Advanced Technology, Engineering, and Information System (IJATEIS) International Journal of Health and Pharmaceutical (IJHP) e-Jurnal Inovasi Pembelajaran Sekolah Dasar Journal of Artificial Intelligence and Digital Business Cerdika: Jurnal Ilmiah Indonesia EJOIN : Jurnal Pengabdian Masyarakat Jurnal Pengabdian Masyarakat Bangsa Jurnal Imu Pendidikan dan Keagamaan Jurnal Medika: Medika JGuruku: Jurnal Penelitian Guru Media Riset Bisnis Ekonomi Sains dan Terapan e-Jurnal Inovasi Pembelajaran Sekolah Dasar Journal Abdimas Paspama Service
Muniroh, Muniroh
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PERMASALAHAN YANG DIHADAPI KOPERASI DI INDONESIA SAAT INI Muniroh, Muniroh; Pawenary, Pawenary; Rahmatullah, Rahmatullah
Media Riset Bisnis Ekonomi Sains dan Terapan Vol 2, No 4 (2024): Media Riset Bisnis Ekonomi Sains dan Terapan
Publisher : Taksasila Edukasi Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71312/mrbest.v2i4.245

Abstract

This article discusses the obstacles or problems faced by cooperatives in Indonesia, from the perspective of human resources, capital, governance systems, information transparency, technological developments and competition. Despite experiencing growth in numbers, only 9.2% of the population are members of cooperatives. If we look at the contribution to GDP and the level of labor absorption, cooperatives in Indonesia are still very minimal. The aim of this research is to identify the root of the problems that hinder the competitiveness and growth of cooperatives. Improvements in Cooperative management offered include increasing member training, capital management, transparency, and fighting negative perceptions. Cooperatives must also be able to accommodate technological changes, especially digital transformation, so as to overcome competition from microfinance institutions and online platforms. Understanding these constraints will help in developing effective strategies to strengthen the role of cooperatives in the Indonesian economy. Keywords : Economy, Cooperatives In Indonesia, Management
PENDIDIKAN KARAKTER ISLAMI PADA FAKULTAS AGAMA ISLAM UNIVERSITAS ISLAM SYEKH-YUSUF TANGERANG-INDONESIA: Indonesia Muniroh, Muniroh
Ilma Jurnal Pendidikan Islam Vol. 3 No. 2 (2025): Jurnal ILMA Fakultas Agama Islam Universitas Islam Jakarta
Publisher : Fakultas Agama Islam Universitas Islam Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58569/ilma.v3i2.1134

Abstract

Pendidikan karakter Islami merupakan upaya strategis dalam menciptakan mahasiswa yang tidak hanya unggul secara akademik, tetapi juga memiliki akhlak yang mulia sesuai ajaran Islam. Penelitian ini bertujuan untuk menganalisis implementasi pendidikan karakter Islami di Fakultas Agama Islam Universitas Islam Syekh-Yusuf Tangerang melalui tiga fokus utama, yaitu: (1) integrasi nilai-nilai Islami dalam kurikulum (Abdullah, 2023), (2) pelaksanaan pembinaan spiritual melalui kegiatan keagamaan terstruktur, seperti kajian rutin dan pembacaan Al-Qur'an (Hasanah & Rahmat, 2023), dan (3) penerapan keteladanan dosen sebagai model perilaku Islami yang diikuti mahasiswa (Suryana, 2024) dan (4) penguatan kegiatan ekstrakurikuler berbasis nilai Islami. Penelitian menggunakan pendekatan kualitatif dengan metode wawancara mendalam, observasi partisipatif, dan analisis dokumen. Temuan menunjukkan bahwa ketiga indikator tersebut memiliki peran signifikan dalam menginternalisasi nilai-nilai Islami pada mahasiswa. Penelitian ini merekomendasikan peningkatan sinergi antara fakultas, mahasiswa, dan masyarakat untuk memperkuat pendidikan karakter Islami sebagai dasar pembentukan generasi Islami yang unggul.
Building Human Resources Characteristics in Public Services: A Phenomenological Study on Civil Servants Muniroh, Muniroh; Pawenary, Pawenary
Majalah Ilmiah Bijak Vol. 22 No. 1: March 2025
Publisher : Institut Ilmu Sosial dan Manajemen STIAMI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31334/bijak.v22i1.4752

Abstract

This study aims to understand, analyze and describe the focus of Building Characteristics of State Civil Apparatus Employees in carrying out their duties and functions as public service lecturers - state servants who are required to serve student learning, research and community service in university and government environments. The method used by the researcher in this study is a Qualitative method with a Phenomenological Study approach. The data collection technique is based on secondary data processes, namely books, scientific journals, laws and regulations and seminar results as well as empirical data, namely; through the process of observation and interviews. The research informants are Academic Staff, Students and Lecturers of State Civil Apparatus Employees at Esa Unggul University and Lecturers at government higher education institutions.The results of the study found by the researcher, that "Building the Character of State Civil Apparatus Employees or Civil Servants is not easy to quickly change the characteristics of nature, character, behavior and motivate to build public services. First. ASN/PNS employees have characteristics if they carry out and implement laws and regulations and standard operating procedures (SOP) of government organizations. Second. State Civil Apparatus Employees are committed to implementing the Pledge (oath) in implementing laws and regulations. Third. ASN employees have a responsibility to the development and progress of the nation, especially universities and to distribute the moral values of the nation and the unitary state of the Republic of Indonesia. Fourth. Building cooperation between government institutions and other universities - for the activities of the Tri Dharma of universities and Fifth. Collaborative in carrying out public services that are trustworthy, have integrity, are professional and independent. Changing the character of State Civil Apparatus employees requires a strong leader, who has the capacity, integrity, professionalism and expertise in organizing and running the wheels of government (universities) and is able to control the employees of the institutions they lead ".
The Influence of Social Media on HIV-Aids and LGBT Cases among the Young Generation in Jakarta Puspitaloka Mahadewi, Erlina; Reza Hilmy, Mohamad; Silviana Mustikawati, Intan; Muniroh, Muniroh; Chairun Nisa, Puspita; Mandala Putra, Juniawan; Harahap, Arman
International Journal of Health and Pharmaceutical (IJHP) Vol. 5 No. 2 (2025): May 2025 ( Indonesia - Iraq - Malaysia)
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijhp.v5i2.384

Abstract

The study focused on the purpose of finding out the effect and the roles challenges faced by activists in the JPC Jakarta Foundation community in their efforts to prevent HIV and AIDS infections among LGBT people in Jakarta. This study applies a qualitative approach to observe the activities carried out by activists in three areas in the DKI Jakarta Province of Indonesia. The activities of the activists include field and online outreach, interactive group discussions, HIV counseling and testing, distribution of condoms and pelicans for LGBT youth, and social support for people living with HIV and AIDS (PLWHA). This study uses the theory of social action and symbolic interactionism to analyze the activities carried out by activists. This study found that the activities carried out by volunteer activists of the JPC Jakarta foundation in 2023. The study shows the results of the formation of rational-instrumental social action and a symbolic interaction in the context of HIV and AIDS prevention, with the LGBT community being a group affected by the increasing deviation of social media among the younger generation, especially Gen Z.
MEMBENTUK LOYALITAS PELANGGAN: PERAN STRATEGIS PRODUK, PELAYANAN, LOKASI, DAN WORD OF MOUTH MELALUI KEPUTUSAN PEMBELIAN (STUDI EMPIRIS PADA WARUNG 99 MALANG) Marli, Marli; Muniroh, Muniroh
Jurnal Penelitian Manajemen Terapan (PENATARAN) Vol. 10 No. 1 (2025)
Publisher : Program Studi Manajemen STIE Kesuma Negara Blitar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh lokasi, pelayanan, produk, dan word of mouth terhadap keputusan pembelian serta dampaknya terhadap loyalitas pelanggan di Warung 99, sebuah usaha kuliner lokal di Kota Malang. Penelitian ini menggunakan pendekatan kuantitatif dengan metode Partial Least Square-Structural Equation Modeling (PLS-SEM). Data dikumpulkan melalui penyebaran kuesioner kepada 100 responden yang merupakan pelanggan aktif Warung 99. Hasil penelitian menunjukkan bahwa word of mouth memiliki pengaruh langsung yang paling signifikan terhadap keputusan pembelian (β = 0.445; p < 0.001) dan loyalitas pelanggan (β = 0.387; p < 0.001). Lokasi dan pelayanan berpengaruh secara tidak langsung terhadap loyalitas melalui keputusan pembelian, sedangkan produk menunjukkan pengaruh langsung terhadap loyalitas tanpa melalui keputusan pembelian. Keputusan pembelian secara signifikan memediasi hubungan beberapa variabel independen terhadap loyalitas. Implikasi praktis dari penelitian ini adalah pentingnya strategi promosi berbasis pengalaman pelanggan (seperti testimoni dan ulasan), peningkatan kualitas layanan, serta pemilihan lokasi strategis untuk mendorong keputusan pembelian dan membentuk loyalitas. Keterbatasan penelitian ini mencakup fokus pada satu objek dan data cross-sectional yang tidak menangkap dinamika jangka panjang perilaku konsumen. Kata kunci: Loyalitas, Keputusan Pembelian, Word of Mouth.
VALUATION STUDY OF BBCA, BMRI, AND BBNI SHARES BASED ON PRICE TO EARNINGS RATIO (PER) AND PRICE TO BOOK VALUE (PBV) APPROACHES FOR THE 2020-2024 PERIOD Muniroh, Muniroh; Zuchroh, Imama
Inspirasi Ekonomi : Jurnal Ekonomi Manajemen Vol. 7 No. 2 (2025): Inspirasi Ekonomi : Jurnal Ekonomi Manajemen
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Timor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the stock valuation of PT Bank Central Asia Tbk (BBCA), PT Bank Mandiri Tbk (BMRI), and PT Bank Negara Indonesia Tbk (BBNI) based on the Price to Earnings Ratio (PER) and Price to Book Value (PBV) methods in the 2020-2024 period. This study uses a quantitative descriptive method, which aims to provide an overview of stock valuation by comparing the PER and PBV of each company against the average banking sector. The analysis results show that BBCA shares tend to be overvalued based on PER in 2020, 2022, and 2023, while in 2021 and 2024 they are undervalued. BMRI shares show a more volatile pattern with a tendency to be undervalued in 2021, 2023, and 2024, and overvalued in 2020 and 2022. BBNI shares are more often in an overvalued condition, especially in 2020, 2022, 2023, and 2024, with the exception of 2021 which is classified as undervalued. Based on PBV, BBCA shares were consistently overvalued throughout the study period, reflecting investors' high expectations of the company's performance and prospects. In contrast, BMRI and BBNI stocks are more often undervalued, which indicates investment potential for investors with a value investing strategy. This research provides implications for investors in making investment decisions in the banking sector by considering stock valuation analysis. In addition, this research can be a reference for the development of stock valuation studies with broader methods, such as Discounted Cash Flow (DCF) or EV/EBITDA, to obtain more comprehensive results.
Pengaruh Bauran Pemasaran, Pelayanan Terhadap Keputusan Pembelian Telepon Seluler (Studi Kasus Toko Bina Mitra Usaha Desa Cipari Makmur) Muniroh, Muniroh; Sabtohadi, Joko; Abdullah, Rahim
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 18 No 2 (2018)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/jemi.v18i2.528

Abstract

Abstract:The purpose of this research is to know variable influence the product , the price of , and services of the decision of the purchase , either simultaneously or partial .The study is done in the form of survey , by adopting both explanation reseach .Variable products , have a negative influence insignificant of the decision of the purchase .While variable prices and service significant have had a positive impact of the decision of the purchase .Then the product , the price of , and services jointly significant on variables customer satisfaction . Keywords; The Product, The Price, Service, Decision The Purchase
Pengaruh Bauran Pemasaran, Pelayanan Terhadap Keputusan Pembelian Telepon Seluler (Studi Kasus Toko Bina Mitra Usaha Desa Cipari Makmur) Muniroh, Muniroh; Sabtohadi, Joko; Abdullah, Rahim
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 18 No 2 (2018)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/jemi.v18i2.528

Abstract

Abstract:The purpose of this research is to know variable influence the product , the price of , and services of the decision of the purchase , either simultaneously or partial .The study is done in the form of survey , by adopting both explanation reseach .Variable products , have a negative influence insignificant of the decision of the purchase .While variable prices and service significant have had a positive impact of the decision of the purchase .Then the product , the price of , and services jointly significant on variables customer satisfaction . Keywords; The Product, The Price, Service, Decision The Purchase
From Banks to Apps: How Fintech Lending is Reshaping Financial Institutions zuchroh, imama; Muniroh, Muniroh
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.3057

Abstract

The emergence of financial technology has fundamentally transformed the traditional lending landscape, challenging centuries-old banking paradigms and creating new competitive dynamics within the financial services sector. This qualitative descriptive study examines how fintech lending platforms are reshaping financial institutions across global markets, analyzing the multidimensional impact on traditional banks, credit unions, and other financial intermediaries. Through systematic analysis of industry developments, regulatory changes, and institutional responses from 2015 to 2025, this research explores the comprehensive transformation occurring within the financial services ecosystem. The study reveals that fintech lending has catalyzed significant changes in operational models, customer engagement strategies, risk assessment methodologies, and competitive positioning of traditional financial institutions. The research demonstrates that rather than merely displacing traditional banks, fintech lending has forced a fundamental reimagining of how financial services are conceived, delivered, and regulated. Key findings indicate that successful financial institutions are those that have embraced hybrid approaches, combining traditional banking strengths with fintech innovations to create enhanced value propositions for their customers. The study also reveals significant variations in adaptation strategies across different geographic regions and institutional sizes, with larger banks generally having more resources to invest in transformation initiatives while smaller institutions often pursue partnership strategies. The research concludes that the future of financial services will be characterized by ecosystem-based approaches where traditional boundaries between banks and technology companies become increasingly blurred, requiring new regulatory frameworks and business models to address emerging challenges and opportunities in the digital financial landscape.
Edukasi Kesehatan Reproduksi Melalui Program Understanding Your Body, Protecting Your Future pada Santri Pondok Pesantren Muniroh, Muniroh; Sulthan, Fawwaz Amora
Jurnal Medika: Medika Vol. 4 No. 4 (2025)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/7wa2h160

Abstract

Reproductive health is an essential factor in maintaining adolescent well-being, particularly for students living in islamic boarding school (pesantren). Limited knowledge of reproductive health may increase vulnerability to risky behaviors and long-term health problems. This community service program aimed to improve students's knowledge of reproductive health through an educational program themed "Understanding Your Body, Protecting Your Future." The program was conducted using interactive lectures, group discussions, and question-and-answer sessions involving 83 participants at Pondok Pesantren Daru Hasbi.  The results showed an increase in participants' understanding of reproductive anatomy and functions, physical and psychological changes during puberty, personal hygiene, and the importance of maintaining reproductive health. The students considered this activity beneficial as it provided practical knowledge while remaining aligned with religious values. Therefore, reproductive health education in the pesantren context can serve as an effective strategy to enhance adolescents' understanding while equipping them to protect their health and future. This activity needs to be carried out continuously and integrated into the learning process in pesantren, with the involvement of teachers, health professionals, and parental support.
Co-Authors Abdullah, Rahim Ainol Ainol, Ainol Aldhama, Shofa Aulia Amin, Aminul Ariany, Devy Arief Suwandi Azahra, Gadiza Azidah, Mega Puspita Bangun, Gabriella Eviana BUDI INDRAWAN Bunyamin Bunyamin Chairun Nisa, Puspita Daniel Happy Putra Dina Sonia dp, Terza Travelancya Erviana, Erviana Fannya, Puteri Fatiha, Aulia Putri Ferina, Ferina Harahap, Arman Hedher Tuakia Imama Zuchroh Indawati, Laela Lestari , Novita Indri Lestari, Rizki Amalia Mahadewi, Erlina Puspitaloka Mandala Putra, Juniawan Marli, Marli Masnuna, Masnuna Mohamad Reza Hilmy Muhamad Nur Muhmin, Andi Hidayat Muslichah Muslichah Mustikawati, Intan Silviana Ni’mah, Mamluatun Nurmalasari, Mieke Nurmawaty, Dwi Pandiangan, Ima Sari Pawenary, Pawenary Pratiwi, Adinda Puspitaloka Mahadewi, Erlina Putri, Marsha Navita Putri, Suci Sri Endah Lestari Mulyanto Rahmatullah Rahmatullah Ramadani , Hidayat Rifqy, Ananda Aliffia Rina Irawati Rismayanti, Tetin Sabtohadi, Joko Sangadji, Namira Wadjir Sari, Nurmila Seno Santoso Shalsabilla , Salsyah Silviana Mustikawati, Intan Siti Munfaqiroh Sophiyanto wuryan Sugeng Santoso Sulthan, Fawwaz Amora Sura Klaudia Tamzil, Fahmi Tazkia Ghalliya Salsabilla Tri Putra, Iqbal Widjaja, Lily Widjaya, Lily Yalvema Miaz Yona Mimanda Yulia, Noor Zahrani, Ameylia