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All Journal Saintika Medika: Jurnal Ilmu Kesehatan dan Kedokteran Keluarga. Jambi Medical Journal : Jurnal Kedokteran dan Kesehatan Jurnal Penelitian Pendidikan IPA (JPPIPA) EPIGRAPHE: Jurnal Teologi dan Pelayanan Kristiani Owner : Riset dan Jurnal Akuntansi JPF : JURNAL PENDIDIKAN FISIKA JURNAL PENDIDIKAN TAMBUSAI MALIA International Journal of Community Service Learning IKRA-ITH ABDIMAS JURNAL MANAJEMEN BISNIS Iqtishoduna: Jurnal Ekonomi Islam Meraja journal Pena Justisia: Media Komunikasi dan Kajian Hukum Jurnal Teknik Mesin Indonesia Al-Kharaj: Journal of Islamic Economic and Business Rayah Al Islam : Jurnal Ilmu Islam Ilomata International Journal of Management Jurnal Ilmiah Manajemen Kesatuan Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan Quantum Teknika Sophist Jurnal Sosial Politik Kajian Islam dan Tafsir Jurnal Pendidikan Guru (JPG) Ilomata International Journal of Management PERAHU (PENERANGAN HUKUM) : JURNAL ILMU HUKUM English Education Journal (E2J) Hukum Responsif : Jurnal Ilmiah Fakultas Hukum Universitas Swadaya Gunung Jati Cirebon Ekosiana : Jurnal Ekonomi Syariah International Journal of Educational Review, Law And Social Sciences (IJERLAS) ARMATUR : Artikel Teknik Mesin dan Manufaktur INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Jurnal Kolaboratif Sains International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) EKSYA: Jurnal Ekonomi Syariah JURNAL PERMADI: PERANCANGAN, MANUFAKTUR, MATERIAL DAN ENERGI Journal Transformation of Mandalika Balance : Jurnal Akuntansi dan Manajemen Industrial Research Workshop and National Seminar Jurnal Pengabdian Mandiri Jurnal Ekonomi dan Manajemen (JEKMA) Indonesian Journal of Applied Accounting and Finance Indonesian Journal of Community Diversity and Engagement Jurnal Ilmiah Pendidik Indonesia Jurnal Informasi, Perpajakan, Akuntansi, dan Keuangan Publik Journal of Language and Literature Studies International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) International Journal of Economics (IJEC) Oryza: Jurnal Agribisnis dan Pertanian Berkelanjutan Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA) Best Journal of Administration and Management Jurnal Sosial dan Sains Journal of Islamic Economics and Business Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS Amkop Management Accounting Review (AMAR) Jotika Journal in Management and Entrepreneurship Jurnal Ilmu Manajemen Dan Kewirausahaan (JIMK) IDEA: Jurnal Psikologi Research Horizon Jurnal Informatika Ekonomi Bisnis International Journal of Enterprise Modelling Kreativitas Pada Pengabdian Masyarakat (Krepa) Journal of Management, Economic, and Accounting AT-TIJARAH: Journal Islamic Banking and Finance Research Jurnal Teknologi Lingkungan Sinergi International Journal of Logistics Jurnal Akselerasi Merdeka Belajar dalam Pengabdian Orientasi Masyarakat (Jurnal AMPOEN) JSE: Jurnal Sharia Economica Time in Physics: Journal for Theoretical, Instrumentation, Material-Molecular, and Education Physics Hutanasyah : Jurnal Hukum Tata Negara JEBD Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Opportunity Jurnal Penelitian dan Pengabdian Masyarakat Journal Of Law Sciences (Legisci) Jurnal Promosi Kesehatan Poltekkes Bengkulu Submit : Jurnal Ilmiah Teknologi Informasi dan Sains Indonesian Journal of Economic & Management Sciences (IJEMS) Escalate : Economics and Business Journal Journal Serambi Engineering (JSE) Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research Journal of Finance and Islamic Banking Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Journal Economic Business Innovation Jurnal Pengabdian Masyarakat Mandira Cendikia (JPKM-MC) GoodWill Journal of Economics, Management, and Accounting Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Journal of Ekonomics, Finance, and Management Studies Journal of Media, Sciences and Education Journal of English Education and Literature LITERA: Jurnal Ilmiah Multidisiplin Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi Computer & Science Industrial Engineering Journal JURNAL SATYA MANDIRI MANAJEMEN DAN BISNIS UPEJ : Unnes Physics Education Journal Data : Journal of Information Systems and Management Digitus : Journal of Computer Science Applications Journal of Development Economic and Digitalization As-Syirkah: Islamic Economic & Financial Journal Jurnal Kesehatan Masyarakat Jurnal Logitech : Logika Technology Jurnal Hukum Ekualitas Journal of Management Bijaksana: Jurnal Pengabdian Masyarakat
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Factors Influencing Customer Risk Perception of iB Mudharabah Deposits at PT. Bank Sumut KCPSy Hamparan Perak Santi Arafah; Yunanda Eka Putra; Saparuddin Siregar; Sugianto
MALIA: Jurnal Ekonomi Islam Vol 17 No 1
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/9ym2sa72

Abstract

Purpose: This research examines the effect of Sharia financial literacy, trust, and transparency on customer risk perception of iB Mudharabah deposit products at PT Bank Sumut KCPSy Hamparan Perak. Design/Methodology/Approach: A quantitative cross-sectional approach was applied using questionnaires distributed to 100 iB Mudharabah deposit customers selected through purposive sampling. Data were measured using a five-point Likert scale and analyzed using SEM-PLS, including outer and inner model testing. Findings: Sharia financial literacy, trust, and transparency have a positive and significant effect on customer risk perception. The adjusted R-square value of 0.670 indicates that 67% of the variation in risk perception is explained by these variables. Practical Implications: The findings suggest that customer-based risk mitigation requires strengthening Sharia financial literacy, enhancing trust, and ensuring transparency in mudharabah deposit products. Originality/Value: This research contributes to Sharia banking literature by highlighting customer risk perception in regional Sharia banks and emphasizing behavioral and relational factors in mudharabah-based risk management.
Analysis of Village Income Dependence on Funds Government Transfers: A Case Study in Sukandebi Village Anwar Fadly Sitepu; Isnaini Harahap; Sugianto
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9659

Abstract

This study discusses the phenomenon of Sukandebi Village's income dependence on government transfer funds, which has increased significantly following the implementation of Law Number 6 of 2014 concerning Villages. The purpose of this study is to analyze the level of fiscal dependence of the village during the 2023–2025 period and to identify the factors causing the drastic decline in Village Original Income (PADes). The research employs a quantitative approach with a descriptive case study design, using secondary data derived from the Budget Realization Reports (APBDes and LRA) of Sukandebi Village. Data analysis was conducted through descriptive statistics and the calculation of the fiscal dependence ratio. The results show that the village's fiscal dependence increased from 92.91% in 2023 to 98.65% in 2025, accompanied by a decline in PADes from IDR 71 million (2023) to IDR 13 million (2025). These findings indicate the dominance of transfer funds, which has triggered a flypaper effect, as well as weak asset management and the absence of a Village-Owned Enterprise (BUMDes). The implications of this study emphasize the need for income diversification strategies, optimization of local potential, and capacity building for village officials to achieve sustainable fiscal independence.
Experience Learning Cycle-Based Classroom Management: Prophetic Integrated PhET Virtual Labs to Enhance Students' Understanding of Wave Concepts Ermawati, Imas Ratna; Dasmo; Sugianto; Martin; Onny Fitriana Sitorus; Harry Ramza; Lismawati
Jurnal Pendidikan Fisika Vol. 14 No. 1 (2026): PENDIDIKAN FISIKA
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/5p6pg776

Abstract

Wave concepts in physics are inherently abstract and often lead to misconceptions, especially when virtual laboratory activities are implemented without structured classroom management and guided reflection. Additionally, virtual science learning is frequently focused mainly on cognitive outcomes, while character development, particularly integrity in scientific practice, receives less systematic attention. This study addressed this gap by developing and evaluating a classroom management guide for Virtual Science Labs (PhET Simulations) based on the Experiential Learning Cycle (ELC) and integrated with prophetic values to enhance university students’ understanding of wave phenomena while fostering character development. Using a Research and Development (R&D) approach with the ADDIE model (Analysis, Design, Development, Implementation, and Evaluation), the study involved 14 fifth-semester students from the Physics Education Study Program at Universitas Muhammadiyah Prof. Dr. HAMKA in the 2024–2025 academic year. Data were collected through expert validation sheets, wave conceptual understanding tests (pre-test and post-test), and prophetic character observation sheets. Expert validation indicated that the guide was highly feasible, with a mean score of 3.67 (87.5%) for content validation and 3.33 (83.3%) for media validation. Effectiveness results showed significant improvement in conceptual understanding, with scores increasing from 42.50 (pre-test) to 85.40 (post-test) and an N-gain of 0.75 (high category). Observations also suggested successful enactment of prophetic values during PhET-based practicums, particularly Sidiq (90%) and Amanah (85%), reflected in honest data recording and responsible task completion. The novelty of this study lies in the systematic integration of ELC-based classroom management, interactive PhET visualization, and the operationalization of prophetic values within a single instructional product. Overall, the developed model is feasible and effective for supporting both conceptual learning and character development focused on integrity in wave instruction, offering a comprehensive contribution to higher-education physics education.
Co-Authors Abd Majid, M Shabri Abd Majid, M. Sabri Abdul Kahar Abdul Kahar Abdul Rahman Achmad Rusdy Achmad Siddik Thoha Adaniah, Nahdatul Ade Khadijatul Z. Hrp Adlani Hasrun, Muh. Nazri Agung setiawan harahap AH. Hasan Bashori Ahmad Choiri Ahmad Firdaus Lingga Ahmad Fuadi Tanjung Ahmad Royhan Bustomi Aini Wahyu Ningtyas, Baqiya Alfian, Ian Ali Mahmudi Amelia Fravitasari Todingallo Amin, Mat Amwa, Djauky Ridho Andi Maslan Andi Syarifuddin Anilia Ratnasari, Anilia Anita Annisa Rahmi, Annisa Anwar Fadly Sitepu Arainy, Corizon Sinar Ardiantoro, Luki Ari Apryansyah Ari Yuniastuti Ariyanto Arjuna, Kevin Arung Gihna Mayapada Astried Silvanie Atha, Muhammad Alwan atika Ayu Anggraeni, Novia Ayu Wulandari S. Tanjung Azhar, M. Elfi Azhari Akmal Tarigan Azzahra, Iftitah Balqis, Tsamara Bambang Suwerda, Bambang Basri Bado, Basri Bianca Puspita Riadina Bunga Dwi Fani Ritonga Casmudi Dalimunthe, Maya Oktavia Damayanti, Alfina Dasmo Delima Sari Lubis Derrel Azhar Sugianto Dhian Rosalina, Dhian Dinar, Muhammad Dudung Hidayat Efendi, Imaduddin Bachtiar Ekayanti, Erly Eko Eko Sutrisno, Eko Ellianawati Ely Rudyatmi, Ely Erly Ekayanti Rosyida Erna Pujianti Ernawati Usman Ernawaty Usman Ervina Ery Muthoriq, Ery Fadhel Mohammad Fahira, Adinda Permata Faizah, Secho Nur Fardan Zidane Juniawan Fatchurrahman, M. Fauzan, M. Fauziah Amarani Febrianti, Lola Fela Yudha, Syuhada Fera Yuliana Ferzy Ersandy Fitri Susanti Siregar Furaida Khasanah Gilby Sapulette, Shella Gracia Carolina Yusuf Gustini, Sri H.M. Syukri Albani Nasution Hadinugroho, Dwi Lindarto Hafiz Fadhil Harahap, Febri Khairani Harry Irawan Harry Ramza Haryadi HARYONO Hasana, Ani Riani Hasdiansah, Hasdiansah Hasibuan, Zerimah Afgani Hasudungan Hutagalung, Henokh Hendra Harmain Herlina Hertanto, Edrick Emiliano Sam Heru Subaris Kasjono Heru Subaris Kasjono, Heru Subaris Hidayati, Beti Malia Rahma Holijah, Siti Hutasoit, Ririn Ibnu Fadhil Ramadhan Ilham Nur Dimas Yahya Imas Ratna Ermawati, Imas Ratna Indun Ipin Aripin, Ipin Irawan, Dedeng Irawati Irawati Irlanita Ayuning Tyas Isa Akhlis Iskandar Muda Iskandar Muda Ismul Fakhri Lubis Isnaini Harahap iswanto Ithohirah Harahap Jamaluddin Juliana Nasution Juliana Nasution Khairul Faiz Batubara Kurniawan, Gita Erlangga Lakoro, Iski Latifah Sukmawati Yuniar Letsoin, Rizaldy Taslim Pinzon Liana Lilla Puji Lestari Lisdiana Lismawati M Shabri Abd Majid M, A.Pananrangi M. Fauzan M. Shabri Abd. Majid M. Yasir Nasution M. Yasir Nst M.Hakim Sitompul Majid, Shabri Abd Mardiana Ningsih Marliyah Marpaung, Refianda Olivia Febrianti Martin Masni Maulana, Irsyad Melia Frastuti Meutia Dewi, Meutia Mohzana Mudarman Muhamad Aris Muhamad Yusup Kamal Arkan Muhammad Amin Muhammad Hasan Muhammad Ikbal Abdullah MUHAMMAD ILHAM Muhammad Lathief Ilhamy Nasution Muhammad Primiaji Rialihanto MUHAMMAD SUBHAN Muhammad Syukri Albani Nasution Muhammad Zainul Haq Muhlisin, Muhammad . Muliani Mustafa Khamal Rokan Mustamin Mutthaqin, Muhammad Satrya Naim, Muh Yusan Nanang Indradi Narto Nashwa Nabila Kasih Natadiwijaya, Ismail Fikri Neni Nur Afia Ni'mah, Nurun Ning Setiati NOJENG, SYARIFUDDIN Nugrahaningsih WH, Nugrahaningsih NUR AHMADI BI RAHMANI Nur Azizah Nuraeni Nanda Sari Nurfuadi, Wika Nurhayati Haris Nurriskiana Akbar Nurul Ilaina Onny Fitriana Sitorus Pane, Sanusi Gazali Pasaribu, Syafita Khairunnisa Pinzon, Monica Cindy Anjelica Novena Letsoin Pohan, Erwin Pranoto, Ethys Pratama, Yudha Prayogi Kusdino Priangga Widiandoko Pristiansyah, Pristiansyah Puspitasari2, Devi Putra, Yunanda Eka Putri Sri Wahyuni Rachman, Dwi Fauzi Rahayu Indriasari Rahma, Tri Inda Fadhila Rahmad Firdaus Rahmani, Nur Ahmadi Bi Rahmat Rahmat Azahar Siregar Rahmat Daim Harahap Raju Adha Ramadhina, Nur Sekar Ramdhani, Izmy Chantika Ramli Ratna Etika Sintawati Rennata, Adella Vrida Rida Jelita Rijal Allamah Harahap Rika Umbaiyani Ritonga Rina Rinaldi Rispa Amelia Rizaldy Pinzon Rizkika Zalza Bila Utami Rofiqoh Lubis, Nurul Rohana Rosdiana Santi Arafah sanusi, Anwar Saparuddin Siregar Saparuddin Siregar Sardjito Eko Windarso, Sardjito Eko Sarmiana Batubara Sastri Aida Zuhra Sekar Tyas Widyanti setiawan, Dibyo Sholikhah, Faizatus Sintiani, Tina Siregar, Tetty Handayani Siti Aisyah SITI FATIMAH Siti Shofiah SOBIRIN Soni Afriansyah SOPIAN SAORI Sri Agustina Hasibuan Sri Haryanti Sri Puji Ganefati Sri Puji Ganefati Subekti Subkhi, Nur Suhardi Suhartini Susanty, Widya Syafira Syafrizal, Rodi Syahputri, Kharisma Syamsul Ph.D M.A. Hadi Syarbaini, Ahmad Muhaisin B. T. Rizkan Polem Tarmudi Tawali Tenripada, Tenripada Thamrin Tahir Tiku, Seruni Ra’ba Bara’ Titie Solihati, Ade Tokan, Fitria Tri Isti Hartini, Tri Isti Trisniani, Sherafima Tuti Anggraini Tuti Anggraini Ullya Rahmawati Ummi Masrufah Maulidiyah WAHYUDI Wibisana, Kevin Widyawati, Rina Windarso, Sarjito Eko Wiwi Isnaeni Yamtana Yasmin Putri Sa’idah Yoko Tristiarto Yuda Mahendra Hasibuan Yuliana, Eva Yuni Lubis, Syafrina Yusman