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Baitul Mal Wat Tamwil Dan Inklusi Keuangan sebagai Solusi Keuangan Masyarakat Marginal Abdulloh, Abdulloh Abdulloh; Rifa'i, Ahmad
Al-Maqrizi: Jurnal Ekonomi Syariah dan Studi Islam Vol. 3 No. 1 (2025): Al-Maqrizi: Jurnal Ekonomi Syariah dan Studi Islam
Publisher : ekonomi syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/amq.v3i1.51223

Abstract

Baitul Maal wat Tamwil (BMT) merupakan lembaga keuangan berbasis syariah yang mendukung inklusi keuangan dan pemberdayaan ekonomi di masyarakat marginal. Prinsip keadilan, solidaritas, dan keberlanjutan yang dianut BMT memungkinkan akses keuangan tidak hanya bagi umat Muslim menengah ke atas, tetapi juga bagi komunitas penduduk menengah ke bawah. Namun, implementasi BMT menghadapi tantangan berupa stigma eksklusivitas keuangan Islam, rendahnya literasi keuangan syariah di masyarakat, dan regulasi yang belum optimal. Tujuan penelitian ini adalah menganalisis bagaimana konsep multikulturalisme dapat diintegrasikan dalam operasional BMT sehingga mampu memperkuat posisinya sebagai model keuangan inklusif, serta mengidentifikasi tantangan dan strategi optimalisasi penerapannya. Metode penelitian yang digunakan adalah studi pustaka dengan pendekatan analisis deskriptif-kritis terhadap literatur akademik berupa jurnal, buku, dan laporan penelitian terkini yang relevan tentang multikulturalisme, ekonomi syariah, dan praktik BMT di masyarakat plural. Hasil kajian menunjukkan bahwa BMT memiliki potensi menjadi model keuangan inklusif yang efektif melalui strategi peningkatan literasi keuangan syariah, penguatan regulasi yang mendukung, integrasi teknologi keuangan (fintech).
Influence of Free Shipping, Discounts, and Online Customer Reviews on Purchasing Decisions at The Twin Date Event: Study on Shopee Online Shopping Community in Bandar Lampung Ramdani, Rahmat; Rifa'i, Ahmad; Saptiani, Fenny
Journal of Business Management and Economic Development Том 3 № 03 (2025): Journal of Business Management and Economic Development
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jbmed.v3i03.1859

Abstract

The advancement of digital technology has greatly influenced the commercial sector by enabling seamless online transactions through e-commerce platforms. Shopee emerges as one such platform that offers features like free shipping, attractive discounts, and online customer reviews, all of which have the potential to affect consumer purchasing decisions. The target is to test the impact of free shipping, discounts and online customer reviews on purchasing decisions on twin dating events on the Shopee platform. Employing a quantitative approach with an explanatory research design, the study targets consumers who have made purchases on Shopee and are part of the online shopping community in Bandar Lampung. This study employs a purposive sampling, which falls under the category of non-probability sampling, involving 100 respondents. SPSS 26 was used to analyze data collection through online questionnaires. This research shows the results that purchasing decisions at twin date events on the Shopee platform are each positively and partially influenced by the variables free shipping, discounts and online customer reviews. During a promotional event, purchasing decisions are positively influenced by these three variables when analyzed simultaneously.
Analisis Perbandingan Algoritma K-Means dan K-Medoids untuk Pengelompokan Sentimen Ulasan Aplikasi E-Commerce Pecaro, R Immanuel Giovanni Italiano; Setiaji, Galet Guntoro; Rifa'i, Ahmad
Building of Informatics, Technology and Science (BITS) Vol 7 No 2 (2025): September 2025
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/bits.v7i2.8145

Abstract

The growing digital technology has driven the rapid growth of E-Commerce applications, which is characterized by the number of similar applications available on the Google Play Store. This phenomenon has led to an increase in people's need for convenience in online shopping, as well as showing increasingly fierce competition in the digital marketplace. Reviews on E-Commerce applications in the Google Play Store often serve as a basis for users to decide whether to download an application. These reviews provide valuable insights, allowing users to assess whether the application is worth downloading. Shopee, one of the largest E-Commerce applications in Indonesia, currently has more than 15 million ratings and reviews on the Google Play Store. This study aims to compare the performance of the K-Means and K-Medoids algorithms in clustering numerical data from application reviews. Clustering was performed using the Clustering technique based on two numerical variables, namely score and thumbsupcount, to provide an initial overview of user opinion trends regarding the application. The dataset, consisting of 500 reviews, was collected from the Google Play Store in December 2024. The results Davies-Bouldin Index of the study indicate that K-Means outperforms K-Medoids, with a comparison score of 0.457 to 0.803.
PERAN MOTIVASI KERJA DALAM MEMEDIASI PENGARUH GAYA KEPEMIMPINAN LINGKUNGAN KERJA DAN PENGEMBANGAN KARIR TERHADAP KINERJA ASN PADA DINAS PENDIDIKAN DAN KEBUDAYAAN KABUPATEN SITUBONDO Rifa'i, Ahmad; Soeliha, Siti; Ediyanto, Ediyanto
Jurnal Mahasiswa Entrepreneurship (JME) Vol 3 No 5 (2024): MEI 2024
Publisher : Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/jme.v3i5.4927

Abstract

The purpose of this study was to analyze the role of work motivation in mediating the influence of work environment leadership style and career development on ASN performance at the Situbondo Regency Education and Culture Office. By using the Partial Least Square (PLS) Structural equation model. The results of the direct influence hypothesis test using the Smart PLS 3.0 application, show that leadership style has a positive but insignificant effect on work motivation, work environment has a positive and significant effect on work motivation, career development has a positive and significant effect on work motivation, leadership style has a positive but insignificant effect on ASN performance, work environment has a negative but insignificant effect on ASN performance, career development has a positive and significant effect on ASN performance, work motivation has a positive and significant effect on ASN performance, leadership style has a positive but insignificant effect on ASN performance through work motivation, work environment has a positive but insignificant effect on ASN performance through work motivation, career development has a positive and significant effect on ASN performance through work motivation.
The Development of Nahwu Teaching Materials Based on Mind Maps Using the ADDIE Model Nur, Nuryanto; Rifa'i, Ahmad; Fajar, Abbas Sofwan Matlail
Naatiq: Journal of Arabic Education Vol. 1 No. 1 (2024): June
Publisher : Universitas Islam Tribakti Lirboyo, Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/naatiq.v1i1.5720

Abstract

The development of teaching materials is an important ability that a teacher must have, so that learning is more effective efficient, and interesting for students. One of them is Nahwu as a type of Arabic language science that must be studied by students. The purpose of writing this paper is to reveal how the development of Nahwu teaching materials based on Mind Mapping for a teacher with the ADDIE model. The analysis used is a qualitative approach with a research and development mode. In the initial stage, a descriptive method was used to prepare library data and existing contextual conditions. In this study, the model used is the ADDIE model, a structured development concept consisting of Analysis, Design, Development, Implementation, and Evaluation. The researcher's analysis found the importance of developing mind map-based Nahwu teaching materials with the ADDIE model with an instructional model through 5 stages of Analysis, Design, Development, Implementation, and Evaluation. With this ADDIE model, the ultimate goal is to make a product for the development of Nahwu teaching materials by the principles of truth and saheeh, usefulness, attracting students' interest, consistency, and the adequacy of the material developed. The author recommends the importance of developing teaching materials for a teacher professionally in attracting students' interest in learning, it is also necessary for academics to continue to develop teaching materials to produce a product that is beneficial for Arabic learners in particular.
ANALISIS PEMROSESAN KOPI BUBUK ROBUSTA PADA INDUSTRI KECIL MENENGAH DI BANDAR LAMPUNG: (Analysis of Ground-Roasted Robusta Coffee Processing in Small and Medium Industries in Bandar Lampung) Rifa'i, Ahmad; Subagja, Ghia; Roni, May
Jurnal Kompetitif Bisnis Vol. 1 No. 3 (2023): Jurnal Kompetitif Bisnis
Publisher : Jurusan Administrasi Bisnis, FISIP, Universitas Lampung

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

Abstract

Diantara peran penting industri kecil menengah adalah sebagai media hilirisasi produk perkebunan kopi hingga produk tersebut siap untuk di konsumsi oleh pengguna akhir. Kopi rabusta merupakan produk unggulan daerah di Bandar Lampung. Penelitian ini bertujuan menemukan dan mengekplorasi pemrosesan kopi bubuk robusta oleh para pengrajin kopi bubuk di Bandar Lampung. Enam tahapan pemrosesan kopi bubuk robusta telah berhasil ditemukan hingga kopi bubuk tersebut siap untuk di konsumsi pengguna akhir. Hasil penelitian ini akan mempermudah peneliti lain untuk mendiskripsikan pemrosesan kopi bubuk rabusta, khususnya yang dilakukan oleh pelaku industri kecil menengah.
Upaya Peningkatan Kinerja Karyawan Pada Kantor Sekrtariat DPRD Kabupaten Indragiri Hilir Rezki, Putri Regina; Rifa'i, Ahmad
Inaba Journal Of Psychology Vol. 2 No. 2 (2024): Inaba Journal of Psychology, Vol. 2, Issue. 2, 2024
Publisher : Universitas Indonesia Membangun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56956/ijop.v2i2.269

Abstract

Magang ini bertujuan untuk mendapatkan pengalaman langsung bagaimana bekerja di kantor Sekretariat DPRD Kabupaten Indragirihilir terkait Peningkatan Kinerja Pegawai dan lain-lain. Serta mendapatkan solusi berdasarkan teori dari permasalahan yang dihadapi. Penelitian ini merupakan jenis penelitian deskriptif yaitu penelitian yang menggambarkan fenomena- fenomena  di  lapangan.  Dalam  pengumpulan  data,  penulis  menggunakan  wawancara, observasi, studi pustaka, dan dokumentasi. Lokasi penelitian dilakukan di kantor Sekretariat DPRD Kabupaten Indragirihilir dan yang dijadikan informan dalam penelitian adalah para pegawai kantor. Hasil penelitian menemukan indikasi permasalahan yang muncul pada kantor Sekretariat DPRD Kabupaten Indragirihilir yaitu rendahnya kompetensi pegawai yang menyebabkan kurang optimalnya kinerja.
النكرة والمعرفة في سورة الحجرات Rifa'i, Ahmad
Al-Tadris: Jurnal Pendidikan Bahasa Arab Vol 5 No 1 (2017): Al-Tadris: Jurnal Pendidikan Bahasa Arab
Publisher : Faculty of Education and Teachers Training of UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/tadris.2017.5.1.43-63

Abstract

الباحث سيحدّد المسألة بِ: ما هي أنواع النكرة والمعرفة التي تكون في سورة الحجرات؟ وما هو الفرق بين النكرة والمعرفة من جانب المحلّ في الجملة؟ ولِتسهيل هذا البحث سيختار الباحث المنهج المستخدم كما يلي : 1. نوع البحث 2. مصدر البيانات الذي ينقسم على البيانات الأساسية والبيانات الثانوية 3. المقاربة 4. ومنهج تحليل البيانات. والخطوات التي يستخدمها الباحث في تحليل البيانات هي : - جمع البيانات عن النكرة والمعرفة في سورة الحجرات – تفريق البيانات الموجودة – تفريق أنواع المعرفة - تبيين أنواع المعرفة في سورة الحجرات - تثبيت محلّ النكرة والمعرفة – تبيين الفرق بين النكرة والمعرفة من جانب المحلّ في الجملة. ونتيجة البحث هي النكرة في سورة الحجرات بعضها تقبل التنوين وبعضها مضاف إلى اسم المعرفة. والمعرفة في سورة الحجرات أنواعها : الضمير، اسم العلم لكن في سورة الحجرات مخصوصة بلفظ الجلالة، اسم الإشارة، الاسم الموصول، الاسم المقترن بِ (ال)، والمضاف إلى المعرفة. والفرق بين النكرة والمعرفة عمومًا هو : 1. أنّ المبتدأ لا بدّ أن يكون من المعرفة لأنه محكوم عليه، وإذا كان المبتدأ من النكرة فلا بدّ أن يؤخّر 2. أنّ الحال لا بدّ أن تكون من النكرة، وأمّا صاحب الحال لا بدّ أن يكون من المعرفة.
Peningkatan Pengetahuan Hukum Anggota ORARI Inhil dan Gugus Depan Gerakan Pramuka Unisi Mengenai Regulasi Kegiatan Amatir Radio dan Komunikasi Radio Antar Penduduk Berdasarkan Permenkominfo No. 17 Tahun 2018 Adnan, Indra Muclish; Rifa'i, Ahmad; Ridwan, Muannif; Wandi, Wandi
Journal Of Human And Education (JAHE) Vol. 1 No. 1 (2021): Journal of Human And Education (JAHE)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (223.12 KB) | DOI: 10.31004/jh.v1i1.1

Abstract

Permasalahan mitra dalam kegiatan pengabdian kepada masyarakat ini adalah minimnya pengetahuan anggota ORARI Inhil dan Gugus Depan Gerakan Pramuka Universitas Islam Indragiri mengenai regulasi kegiatan amatir radio dan komunikasi radio antar penduduk berdasarkan Permenkominfo No. 17 Tahun 2018. Solusi yang ditawarkan dalam kegiatan ini adalah peningkatan pengetahuan hukum anggota mengenai regulasi kegiatan amatir radio dan komunikasi radio antar penduduk berdasarkan Permenkominfo tersebut sebagai payung hukum dalam melakukan tindakan terhadap para pelanggar penggunaan frekuensi amatir radio. Termasuk mengatur penegasan mengenai kewajiban bagi para amatir radio untuk menjadi anggota ORARI berikut sanksinya. Metode pelaksanaan kegiatan ini adalah dengan ceramah, dialog, dan diskusi dalam rangka memberikan penyuluhan hukum. Partisipasi mitra dalam kegiatan ini adalah menyediakan waktu, menyediakan tempat beserta fasilitas pendukung lainnya, dan menghadirkan anggotanya sebagai peserta. Hasil kegiatan ini telah berhasil dilaksanakan, yaitu meningkatnya pemahaman peserta mengenai regulasi kegiatan amatir radio dan komunikasi radio antar penduduk berdasarkan Permenkominfo No. 17 Tahun 2018. Hal ini dapat dilihat dari jawaban para peserta pada kuesioner yang diberikan setelah kegiatan dilaksanakan. Dari 24 orang peserta, 75% menjawab telah memahaminya. Sarannya adalah sebaiknya kegiatan dengan seperti ini dilaksanakan juga kepada anggota Organisasi lain yang bergerak di bidang sosial kemasyarakatan. Target luaran dari kegiatan ini adalah publikasi artikel ilmiah pada jurnal nasional dari semua rangkuman materi yang disampaikan oleh para pemateri sebagai tambahan referensi. Di samping itu, hasil kegiatan didokumentasikan dalam bentuk laporan pelaksanaan dan dimuat dalam jurnal ilmiah agar bisa memberikan manfaat seluas-luasnya secara akademis dan tataran praktis.
How does servant leadership influence managerial performance through public service motivation? Rifa'i, Ahmad; Tan, Syamsurijal; Edward, Edward; Adriani, Zulfina
Asean International Journal of Business Vol. 1 No. 2 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1401.396 KB) | DOI: 10.54099/aijb.v1i2.185

Abstract

Purpose – This paper trying to test whether public service motivation is able to mediate the influence of servant leadership on managerial performance Methodology/approach – This research using quantitative methods. Data processing and hypothesis testing using WarPLS version 7.0. This research was conducted at the Government of Indragiri Hilir Regency, Riau Province, Indonesia. The sampling technique used is probability sampling with proportionate stratified random sampling. The sample was calculated using Herry King's Nomogram Table with an error rate of 5% where 135 respondents were selected. Findings – It was found that. Public Service Motivation is able to mediate the influence of servant leadership on managerial performance. The direct influence of Servant leadership on public service motivation is greater than the direct influence of servant leadership on managerial performance, the effect of public service motivation on managerial performance is the lowest. Novelty/value – Because public service motivation has become an important factor that is able to mediate the influence of servant leadership on managerial performance, it is very important to understand how to maintain managerial performance by looking at indicators of public service motivation.