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All Journal Jurnal Pendidikan dan Pembelajaran Khatulistiwa (JPPK) Jurnal Kedokteran dan Kesehatan : Publikasi Ilmiah Fakultas Kedokteran Universitas Sriwijaya Jurnal Pelangi JURNAL TEKNIK INFORMATIKA DAN SISTEM INFORMASI El-Barka: Journal of Islamic Economics and Business Scientia Psychiatrica Proceedings of Annual Conference for Muslim Scholars Jurnal Ilmiah Kesehatan Masyarakat : Media Komunikasi Komunitas Kesehatan Masyarakat Etihad: Journal of Islamic Banking and Finance Journal of Islamic Economics Jurnal Fokus Manajemen MASTER: Jurnal Manajemen Strategik Kewirausahaan Al-MIKRAJ: Jurnal studi Islam dan Humaniora Investama : Jurnal Ekonomi dan Bisnis Stabilitas Prosiding Seminar Nasional Unimus JURNAL PENA PAUD Amaluna: Jurnal Pengabdian Masyarakat Eko-Regional: Jurnal Pembangunan Ekonomi Wilayah
Anggraini, Yulia
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Religion Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Neuroscience Nursing Public Health Social Sciences Other

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Urgensi Karakter dalam Analisa Pembiayaan Murabahah di Bank Syariah Indonesia Anggraini, Yulia
Etihad: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2021)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (311.37 KB) | DOI: 10.21154/etihad.v1i2.3529

Abstract

The character of the customer is very important to analyze in the process of financing analysis. Character is an aspect of personal nature and concerns the depth of an individual's soul, so that character becomes difficult to identify. The purpose of this study was to determine whether Bank Syariah Indonesia KCP Nganjuk also conducted an in-depth character analysis. This field research uses a qualitative approach, with data collection techniques carried out using interviews and documentation. The data processing technique is done by data reduction, data presentation, and then conclusions. The results of this study are discrepancies in several points in the assessment using character analysis because at Bank Syariah Indonesia KCP Nganjuk implements 5C completely, although according to them, the character is important, the character can change along with financial conditions, economic conditions such as because of covid-19, dishonest customer character, manipulated business or work conditions, both stocks of goods and suppliers, purchases of goods are not by was proposed so that customer breaks his promise and does not fulfill his responsibility to repay the financing to the bank.Karakter nasabah adalah hal yang sangat penting untuk dianalisisis dalam proses analisis pembiayaan. Karakter merupakan aspek dengan sifat pribadi dan menyangkut kedalaman jiwa seorang individu, sehingga karakter menjadi sulit untuk dikenali. Tujuan penelitian ini adalah untuk mengetahui apakah Bank Syariah Indonesia KCP Nganjuk melakukan analisis karakter secara mendalam. Penelitian lapangan ini menggunakan pendekatan kualitatif, dengan teknik pengumpulan data wawancara dan dokumentasi. Teknik pengolahan data dilakukan dengan reduksi data, penyajian data, dan kemudian menarik kesimpulan. Hasil penelitian menunjukkan ketidaksesuaian dalam beberapa poin pada penilaian dengan menggunakan analisis karakter, karena di  Bank Syariah Indonesia KCP Nganjuk menerapkan 5C secara lengkap, walaupun menurut mereka karakter adalah hal penting. Namun karakter bisa berubah seiring dengan kondisi keuangan, kondisi ekonomi seperti karena adanya covid-19, karakter nasabah yang tidak jujur, kondisi usaha, atau pekerjaan yang dimanipulasi baik stok barang dan supllier, pembelian barang tidak sesuai dengan yang diajukan, sehingga nasabah ingkar janji dan tidak memenuhi tanggung jawabnya untuk mengangsur pembiayaannya kepada pihak bank.
Pengaruh Inovasi, Relasi, dan Modal Usaha Terhadap Profitabilitas Usaha Mikro di Kecamatan Siman Kabupatan Ponorogo: The Influence of Innovation, Relations, and Business Capital on the Profitability of Micro Businesses in Siman District, Ponorogo Regency Saputra, Eksa Aldi; Anggraini, Yulia
MASTER: Jurnal Manajemen Strategik Kewirausahaan Vol. 4 No. 2 (2024): MASTER: Jul 2024
Publisher : LPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/master.v4i2.1391

Abstract

Usaha mikro berperan penting dalam pertumbuhan ekonomi dan pengurangan pengangguran di Kecamatan Siman, Kabupaten Ponorogo. Berdasarkan teori keunggulan kompetitif, kepuasan pelanggan, dan penggunaan modal, profitabilitas usaha dipengaruhi oleh inovasi, relasi, dan modal usaha. Penelitian ini bertujuan memberikan wawasan mendalam tentang strategi pengembangan usaha mikro dengan mempertimbangkan inovasi, relasi, dan modal usaha. Penelitian ini menggunakan pendekatan kuantitatif dengan variabel independen inovasi, relasi, dan modal usaha serta variabel dependen profitabilitas usaha mikro. Penelitian dilakukan di Kecamatan Siman, Kabupaten Ponorogo, dengan sampel 95 pelaku usaha mikro yang dipilih secara acak. Data dikumpulkan melalui kuesioner menggunakan skala Likert. Hasil penelitian menunjukkan bahwa inovasi, relasi, dan modal usaha memiliki pengaruh positif dan signifikan terhadap profitabilitas usaha mikro. Temuan tersebut menegaskan pentingnya strategi inovasi, menjaga relasi dan optimalisasi penggunaan modal usaha. Micro-enterprises play an important role in economic growth and reducing unemployment in Siman District, Ponorogo Regency. Based on the theory of competitive advantage, customer satisfaction, and capital utilization, business profitability is influenced by innovation, relationships, and business capital. This study aims to provide in-depth insight into micro-enterprise development strategies by considering innovation, relationships, and business capital. This study uses a quantitative approach with independent variables of innovation, relationships, and business capital and dependent variables of micro-enterprise profitability. The study was conducted in Siman District, Ponorogo Regency, with a sample of 95 randomly selected micro-enterprises. Data were collected through a questionnaire using a Likert scale. The results of the study indicate that innovation, relationships, and business capital have a positive and significant influence on micro-enterprise profitability. These findings emphasize the importance of innovation strategies, maintaining relationships, and optimizing the use of business capital.
Peran Guru Dalam Pemanfaatan Alat Permainan Edukatif Di Tk Gugus Lavender Kecamatan Singaran Pati Kota Bengkulu Anggraini, Yulia; Suryadi, Didik; Indrawati, Indrawati
JURNAL PENA PAUD Vol. 2 No. 1 (2021): JUNE
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/penapaud.v2i1.14801

Abstract

Tujuan dari penelitian ini adalah untuk mendeskripsikan peran guru dalam pemanfaatan alat permainan edukatif di TK Gugus Lavender Singaran Pati Kota Bengkulu. Jenis penelitian ini adalah survey dengan metode deskriptif kuantitatif. Teknik pengambilan sampel menggunakan teknik total sampling dengan jumlah populasi dan sampel penelitian sebanyak 21 orang guru TK Gugus Lavender. Teknik pengumpulan data menggunakan teknik angket dan teknik analisis data menggunakan uji statstistik dengan rumus rata-rata. Hasil penelitian menunjukkan bahwa peran guru dalam pemanfaatan alat permainan edukatif berkategori baik artinya guru melakukan peranya sebagai fasilitator, mediator dan motivator TK di Gugus Lavender Kota Bengkulu. Peran guru sebagai fasilitator dalam pemanfaatan alat permainan edukatif katagori cukup artinya guru telah menyediakan alat permainan edukatif sesuai dengan kegiatan anak seperti alat permainan boneka tangan untuk mentstimulasi perkembangan anak. Peran guru sebagai mediator dalam pemanfaatan alat permainan edukatif dalam katagori baik artinya guru menggunakan alat permainan edukatif sesuai tema pembelajaran. Peran guru sebagai motivator dalam pemanfaatan alat permainan edukatif dalam katagori baik artinya guru membangkit semangat belajar anak didik pada saat belajar alat permainan edukatif. Implikasi dalam penelitian ini disarankan bagi guru dapat meningkatkan peran fasilitator, mediator dan motivator lebih baik lagi, agar peran fasilitas, media alat permainan edukatif dan motivasi dalam alat permainan edukatif dapat berjalan dengan baik bagi guru maupun anak usia dini.
PERAN GREEN SUKUK DALAM MEMPERKOKOH POSISI INDONESIA DI PASAR KEUANGAN SYARIAH GLOBAL Anggraini, Yulia
El-Barka Journal of Islamic Economics and Business Vol. 1 No. 2 (2018)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v1i2.1453

Abstract

Abstract: This research was motivated by the development of sukuk in Indonesia from an international perspective in 2016 which gave positive results. Where Indonesia is the big issuer of sukuk with a total issuance of USD 10, 5 billion from the total issuance of sukuk by the government from all over the world. In the midst of the development of sukuk instruments, there are also instruments such as green bonds that offer investments in environmental development. With the presence of green bonds as investment instruments in the environment, a sharia investment instrument has emerged which has the same concentration as a green bond. The instrument is then called green sukuk. Indonesia is listed as a pioneer in the issuance of green bonds in the Southeast Asia region. The purpose of this study is to identify the potential of sukuk green publishing in Indonesia to strengthen Indonesia's position in the global sharia financial market. This study uses a qualitative approach using historical methods. Ø§Ù„ملخص: يتم تحفيز هذا البحث من خلال نظرة إيجابية من المنظور الدولي حول تطوير الصكوك في إندونيسيا في عام 2016. حيث تعد إندونيسيا المصدر الكبير للصكوك بإجمالي ,510 دولارات أمريكية من إجمالي إصدارات الصكوك من قبل الحكومة من جميع أنحاء العالم. في خضم تطوير أدوات الصكوك، هناك أدوات مثل green bond  Ø§Ù„تي تقدم استثمارات في التنمية البيئية.بعد وجود هذه الأدوات كأداة استثمار في البيئة ØŒ تظهر أداة استثمار الشريعة التي لها نفس تركيز له  يسمى الصكوك الخضراء green sukuk. ومن هنا تم إدراج إندونيسيا كرائد في إصدار السندات الخضراء في منطقة جنوب شرق آسيا. الغرض من هذه الدراسة هو تحديد إمكانات النشر الأخضر للصكوك في إندونيسيا لتعزيز مكانة إندونيسيا في السوق المالية الشرعية العالمية. تستخدم هذه الدراسة منهجًا كميًا باستخدام الطريقة التاريخية.. Abstrak: Penelitian ini dilatar belakangi oleh adanya perkembangan sukuk di Indonesia dari kacamata internasional pada tahun 2016 yang memberikan hasil positif. Dimana Indonesia merupakan the big issuer sukuk dengan total penerbitan USD 10, 5 Milyar dari total penerbitan sukuk oleh pemerintah dari seluruh dunia. Ditengah perkembangan instrumen sukuk telah hadir juga instrumen berupa green bond yang menawarkan investasi pada pembangunan lingkungan. Dengan hadirnya green bond sebagai instrumen investasi pada lingkungan telah muncul sebuah instrumen investasi syariah yang konsentrasinya sama dengan green bond. Instrumen tersebut kemudian disebut green sukuk. Indonesia tercatat sebagai pionir dalam penerbitan obligasi hijau di kawasan Asia Tenggara. Tujuan  dari penelitian ini adalah mengidentifikasi potensi penerbitan green sukuk di Indonesia memperkokoh posisi Indonesia di pasar keuangan syariah global. Penelitian ini menggunakan pendekatan kualitatif dengan menggunakan metode historis.
Crowdfunding Innovation In Village Tourism Development: A Sustainable Investment Model For Community Economic Improvement Faizin, Moh.; Anggraini, Yulia; Ridwan, Mohammad
Eko-Regional: Jurnal Pembangunan Ekonomi Wilayah Vol 20 No 2 (2025): September 2025
Publisher : Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/er.v20i2.15856

Abstract

The development of tourism villages is a crucial strategy for enhancing the economic well-being of rural communities, although limited capital often acts as a barrier. This study examines crowdfunding-based investment innovations as an alternative to traditional fundraising methods for tourism villages, using case study in Ketapanrame Village. The study focuses on tourism infrastructure financing, community empowerment, and business diversification rooted in local wisdom. Results show increased citizen participation, job creation, and accelerated inclusive economic growth in the village. Community funding through crowdfunding has proven effective with transparent mechanisms, community-based dividend distribution, and clear boundaries. In addition to strengthening sustainability, this model promotes direct community involvement in development. These findings are expected to serve as a reference for policymakers and investors to design more innovative, educational, and community-responsive tourism village funding schemes.
Nalar Islam Antroposentris (Mentransformasi Relasi Humanis Antarumat Beragama di Indonesia) Wijaya, Aksin; Anggraini, Yulia
AL-MIKRAJ Jurnal Studi Islam dan Humaniora Vol. 5 No. 2 (2025): Al-Mikraj, Jurnal Studi Islam dan Humaniora
Publisher : Pascasarjana Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almikraj.v5i2.6869

Abstract

Understanding of religion is influenced by the paradigm used by each person. So far, there are three paradigms that have developed among Indonesian Muslim intellectuals in particular, namely the theocentric Islamic paradigm, the theoanthropocentric Islamic paradigm and the anthropocentric Islamic paradigm. Each paradigm is based on a different method of reasoning with reference to the fundamental question, whether religion is a divine taklif or a human right. With the aim of critically analyzing the three paradigms and offering a new paradigm in understanding religion, this paper utilizes Abdul Karim Soros's taklif and human rights theory and the maqasyidi interpretation theory to analyze the verses of the Qur'an. The method of critical appreciation thinking is used to compile the framework of this paper. The results of the study show that Islam through its holy book is a holy book that is oriented towards the interests and welfare of humans, both in the world and in the hereafter. However, this welfare must remain bound by the holy book, although it does not mean completely rejecting the welfare that is born from humans as long as it does not conflict with the maqasyid of the holy book.
Depression in Patients with Tinnitus: A Literature Review Anggraini, Yulia
Scientia Psychiatrica Vol. 4 No. 2 (2023): Scientia Psychiatrica
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/scipsy.v4i2.94

Abstract

Tinnitus has been a worldwide complaint and refers to the bothersome auditory perception in the absence of external acoustic or electric stimulus. There is no consolidated criterion for tinnitus definition for the purpose of research. The most common definition of tinnitus demonstrates that tinnitus must exceed a 5-min duration. Tinnitus affecting 8 to 25.3% of the population of the United States and the world. Psychiatric disorders such as anxiety and depression are often comorbid in patients with chronic tinnitus, and these conditions can not only be troublesome and debilitating, they have been shown to increase morbidity and the risk of suicide among patients with tinnitus. This literature review aims to identify association between depression and tinnitus. The articles selected were all published within the past five years from PubMed. 7 articles were obtained and were included in the review. Based on the articles, hearing loss, noise, stress and depression have proven to be markers without differentiating between cause and effect. The etiology and pathogenesis of the interrelationships between psychological complaints or illnesses and tinnitus stress are not sufficiently understood despite intensive research efforts. In conclusion, the question of whether depression is the cause of the tinnitus or tinnitus is the cause of the depression, or whether there are other dependencies, remains unanswered.
Ketersediaan Energi dan Protein Makan Sehari di Pondok Pesantren Al Hikmah Gresik Anggraini, Yulia; Ruhana, Amalia
Jurnal Ilmiah Kesehatan Masyarakat : Media Komunikasi Komunitas Kesehatan Masyarakat Vol 13 No 2 (2021): JIKM Vol. 13, Edisi 2, Mei 2021
Publisher : Public Health Undergraduate Program, Faculty of Health Science, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52022/jikm.v13i2.198

Abstract

Abstrak Latar belakang: Pondok pesantren adalah tempat belajar bagi para santri untuk menjadi manusia yang berakhlak baik. Mayoritas santri yang mengikuti pendidikan di pesantren adalah berusia remaja. Remaja merupakan periode penting dalam kehidupan karena terjadi perkembangan fisik, psikologis dan kognitif. Dalam pemenuhan zat gizi, remaja mengalami berbagai masalah pada pola makan maupun keadaan gizinya yang berpengaruh terhadap kesehatannya. Penelitian ini bertujuan untuk mengetahui ketersediaan energi dan protein makan sehari di Pondok Pesantren Al Hikmah Gresik. Metode: Jenis penelitian adalah penelitian deskriptif dengan pendekatan crossectional study. Lokasi penelitian yaitu Pondok Pesantren Al Hikmah Gresik dengan waktu penelitian bulan oktober-januari 2020. Instrumen pengumpulan data yang digunakan adalah formulir food weighing dengan teknik analisa deskriptif. Hasil: Dalam penyelenggaraan makanan selama 7 hari diperoleh ketersediaan energi tertinggi sebesar 1766,132 kkal dengan rata-rata sebesar 1408,313 kkal/org/hari (56,68%). Pada ketersediaan protein selama 7 hari diperoleh ketersediaan tertinggi sebesar 48,899gram dengan rata-rata 40,57 gram/org/hari (64,40%). Kesimpulan: Ketersediaan energi dan protein pada Pondok Pesantren Al Hikmah masih dibawah standard rata-rata konsumsi di tingkat ketersediaan. The Availlabillity of Energy And Protein For Daily Eating At Al Hikmah Islamic Boarding School Gresik Abstract Background: an Islamic boarding school is a place of learning for students to become human beings with excellent character. The majority of students who attend Islamic boarding schools are adolescents. Adolescence is a crucial period in life because of physical, psychological, and cognitive development. In fulfilling nutrition, adolescents experience various problems with their diet and nutritional status that impact health. Indeed, this research aims to recognize the availability of energy and protein for daily eating at Islamic Boarding School Al Hikmah Gresik. Method: This type of research was a descriptive study with a cross-sectional study approach. The research was located at Islamic Boarding School Al Hikmah Gresik. The research was conduct around October-January 2020. The data collection instrument used the food weighing form with descriptive analysis techniques. Results: The highest energy availability for seven days was obtained at 1766,132 kcal with an average of 1408,313 kcal/person/day (56,68%). On the availability of protein for seven days, the highest availability was obtained at 48,899 grams with an average of 40,57 grams/person/day (64,40%). Conclusion: The availability of energy and protein at Al Hikmah Islamic Boarding School is still below the average consumption standard at the level of availability.
Eksistensi Perbankan Syariah pada Lembaga Berbasis Agama Islam di Ponorogo Anggraini, Yulia; Hidayatul Ummah, Restu Yulia; Suryaningsih, Ruliq
Proceedings of Annual Conference for Muslim Scholars Vol 3 No 1 (2019): AnCoMS 2019
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (227.165 KB) | DOI: 10.36835/ancoms.v3i1.236

Abstract

This study aims to determine the existence of Islamic banking in Islamic-based institutions in Ponorogo. The development of the Islamic economy itself cannot be separated from the presence of Islamic banks in Indonesia. To support Islamic economic growth, of course this Islamic-based institution must also play an active role in driving Islamic economic growth by starting to transact in Islam. By supporting this growth Islamic institutions should also participate in using Islamic banking in financial transactions. However, from a sample of four Islamic based institutions, the results show that the four institutions are still using conventional banking for financial transactions. The results of this study found that the factors of authority and bureaucracy are still complicated and full of regulations, profit sharing or commonly called interest for conventional banking, CSR (Corporate Social Responsibility) funds, technology and facilities are factors that influence why religious-based institutions Islam has not used Islamic banking to conduct financial transactions
Faktor Yang Mempengaruhi Nasabah Non Muslim dalam Bertransaksi di Perbankan Syariah Anggraini, Yulia; Umah, Restu Yulia Hidayatul
Proceedings of Annual Conference for Muslim Scholars Vol 6 No 1 (2022): AnCoMS, APRIL 2022
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/ancoms.v6i1.410

Abstract

Abstract: This study aims to describe in more depth what factors influence non-Muslim customers who carry out financial transactions, both funding, and lending in Islamic banking. The research subjects are non-Muslim customers who carry out financial transactions, both funding, and lending at Bank Syariah Indonesia Nganjuk Branch Office. Philip Kottler and Armstrong state that there are five indicators that influence the decision to transact in Islamic banking, namely problem recognition, information seeking, evaluation of alternatives, buying decisions, and post-purchase behavior. Religion is the relationship between creatures and their God, which is manifested in their inner attitude and is seen in the worship they do, and is also reflected in their daily attitudes, including in choosing decisions to make financial transactions in banking that are not in accordance with their religion. The approach in this study is a qualitative approach using field research, with data collection techniques using interviews. From the results of the analysis, it is found that non-Muslim customers who make transactions in Islamic banking have used all indicators in deciding which Islamic banking to use, where profit-sharing factors both in funding and lending play the most important role, so they choose banks that are not in accordance with religion. which he adheres to.
Co-Authors Abla Ghanie, Abla Ahmad Hifni Aksin Wijaya Amalia Ruhana, Amalia Amifudin, Ahmad Taufik Didi Suryadi Faizin, Moh. Hamdunah Hidayatul Ummah, Restu Yulia Indrawati Indrawati Indrawati, Nuke Ira Lestari Maria Ulfah Kurnia Dewi Mega Fatimah Rosana Mohammad Ridwan Mulia Suryani Mustofiyah, Widiyana Prastika Wafik Azizah Putri, Nanda Meilania Ranggi Praharaningtyas Aji Rizki, Sofi Alfiona Saputra, Eksa Aldi Siti Nurjanah Suryaningsih, Ruliq Umah, Restu Yulia Hidayatul Wilis Werdiningsih