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Pengaruh Pengetahuan Produk, Kebutuhan dan Promosi Terhadap Keputusan Nasabah Menggunakan Produk Murabahah Mikro Di BPRS Mitra Mentari Sejahtera Ponorogo Alfikaromah, Lia; Nurhidayati, Maulida
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 2 (2023): Juli 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i2.2217

Abstract

BPR Syariah Mitra Mentari Sejahtera is a company engaged in the field of Islamic banking that serves deposits in the form of savings and time deposits and distributes sharia-managed financing located in Ponorogo Regency. One of the financing products available at BPRS Mitra Mentari Sejahtera Ponorogo is a micro murabaha product. Based on the data obtained, it is known that during the last two years, micro muarabahah financing products have not experienced an increase in the number of customers. According to Philip Kotler and Kelvin Lane Keller, there are several factors that influence customer decisions such as knowledge, needs and according to Mansur Razak, one of the factors that influence decisions is promotion. The purpose of this research is to examine and analyze the effect of knowledge of financing products, needs and promotions on customer decisions. using micro murabahah products at BPRS Mitra Mentari Sejahtera Ponorogo. The research method used in this study is a quantitative method with a population of 299 and a sample of 75 respondents. The data collection technique for this study was to distribute questionnaires to 75 micro murabaha financing customers. The data analysis technique was carried out using multiple linear regression methods. In this study, the knowledge variable has no effect on customer decisions, while the need and promotion variables have an effect on customer decisions. But simultaneously all variables influence the customer's decision to use micro murabahah products.
DYNAMIC PANEL DATA GENERALIZED METHOD OF MOMENT ARELLANO-BOND APPROACH IN ECONOMETRIC MODEL RETURN ON ASSETS OF PHARMACEUTICAL COMPANIES Hendayanti, Ni Putu Nanik; Nurhidayati, Maulida
BAREKENG: Jurnal Ilmu Matematika dan Terapan Vol 17 No 4 (2023): BAREKENG: Journal of Mathematics and Its Applications
Publisher : PATTIMURA UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/barekengvol17iss4pp2325-2336

Abstract

The impact of the Covid-19 pandemic has resulted in a significant decline in the pharmaceutical sector's stock price, so investors are hesitant to invest in the pharmaceutical sub-sector. This study aims to apply dynamic panel data regression analysis with the Arellano-Bond Generalized Method of Moment (GMM) approach to model the profitability of pharmaceutical sub-sector companies on the Indonesia stock exchange. Therefore, investors need to know the profitability of the pharmaceutical sub-sector to make an investment decision. This research will produce a profitability model for pharmaceutical sub-sector companies. The data in this study was obtained from observations of stock price movements of pharmaceutical sub-sector companies listed on the Indonesia Stock Exchange (IDX) in 2013-2022. From the resulting model, it is hoped that it can provide an overview for investors to take action to invest in shares of the pharmaceutical sub-sector. The study results show that the model meets the consistency of parameters based on the results of the Arellano-Bond test and valid instruments based on the results of the Sargan test. The t-test results show that the previous period's ROA has a positive and significant influence on ROA, CR has a negative and significant influence on ROA, DR has no significant effect on ROA, and inflation has a positive and significant effect on ROA. So, the variables that significantly affect ROA are the ROA of the previous period, CR, and inflation. Based on the study's results, investors must choose companies with a higher ROA value compared to the ROA of the previous year. And choose a company that has a low CR value.
Integrating Sustainability Accounting into Javanese Wedding Rituals: A Symbolic and Financial Analysis of the Siraman and Midodareni Processions Rahmawati, Yunaita; Amri, Muhtadin; Wahyuni, Ajeng; Nurhidayati, Maulida
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 4 (2025): JIAKES Edisi Agustus 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i4.3553

Abstract

This study aims to explore the symbolism and meaning of the siraman and midodareni processions in the context of social and cultural sustainability in Javanese society. This study also integrates simulated financial data to reflect the economic and social contributions of these rituals within the framework of sustainability accounting. Using a qualitative research approach with a postmodern paradigm, this study explores the dynamics of cultural meanings that have adapted to the development of the times. The data sources for this study came from in-depth interviews with informants including traditional leaders, the bride and groom's family, and Javanese cultural figures. The results of the study show three main findings: first, the symbolism and meaning of social and cultural sustainability in the siraman and midodareni processions; second, the shift in meaning and adaptation of the siraman and midodareni processions; third, the positive impact of the siraman and midodareni processions in strengthening cultural identity and social sustainability. These findings contribute to the understanding of sustainability accounting in the preservation of sustainable local cultural values, besides enriches sustainability accounting literature by demonstrating how indigenous cultural practices can be documented and analyzed through both symbolic and quantitative approaches.
Modeling Poverty Rates in Indonesia Using Spline Nonparametric Regression Hendayanti, Ni Putu N.; Nurhidayati, Maulida; Jayanthi, Luh Putu E. I.; Widyanti, Luh Made I. A.; Cahyadinata, I Kadek D.; Parwata, I Made Y.
Parameter: Jurnal Matematika, Statistika dan Terapannya Vol 4 No 2 (2025): Parameter: Jurnal Matematika, Statistika dan Terapannya
Publisher : Jurusan Matematika FMIPA Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/parameterv4i2pp311-328

Abstract

Poverty is a complex and multidimensional issue that remains a major focus in Indonesia as a developing country. Data show that the poverty rate in March 2024 reached 9.03%, exceeding the government’s target of 6.5–7.5%. This study aims to analyze the factors that influence poverty levels in Indonesia by using secondary data obtained from the Central Statistics Agency (BPS) in 2023. The analytical method employed is Spline Nonparametric Regression, which is considered appropriate for processing social and economic data that tend to be sparse and non-stationary, such as Indonesia’s poverty data. The results of this study indicate that among the four variables analyzed, only the Mean Years of Schooling has a significant effect on the percentage of the poor population in Indonesia. Other variables, namely GDP growth at constant prices, the open unemployment rate, and life expectancy, were not proven to have a significant effect on provincial poverty levels. The best model obtained uses Spline Nonparametric Regression with two knot points, as it has the smallest GCV value compared to the one-knot and three-knot models. Therefore, the findings of this study are expected to provide input for the government in formulating more targeted poverty alleviation policies, particularly through improvements in education.
Strengthening the Uniqueness of Islamic Boarding Schools in Local Traditional Education in the Applicative Transformation of Multicultural Education Yunita, Ratna; Soenjoto, Wening Purbatin Palupi; Nurhidayati, Maulida; Rahmawati, Rizqi
Scaffolding: Jurnal Pendidikan Islam dan Multikulturalisme Vol. 4 No. 2 (2022): Pendidikan Islam dan Multikulturalisme
Publisher : Institut Agama Islam Sunan Giri (INSURI) Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/scaffolding.v4i2.1542

Abstract

Islamic boarding schools, commonly known as pesantren, which have been established for a long time, require consistent teaching patterns and must face new problems that arise in adapting, such as the current technological era, without losing the uniqueness or distinctiveness of Islamic boarding schools as their character. Islamic boarding school is a place for deeper religious learning and is believed to bring blessings to students who study religion there. This study continues two previous studies on Islamic boarding schools and multicultural education in Islamic boarding schools by focusing more on the conditions of Islamic boarding schools, which are starting to lose their uniqueness due to the adaptation of government policies, the influence of technology, and responses to the development of demands for students whose diversity changes all the time. This study used a qualitative descriptive method with a phenomenological approach to solve problems and achieve research objectives. Data collection techniques were carried out through direct observation and in-depth interviews. The data obtained were then analyzed by the triangulation technique. The study results indicate that Islamic boarding schools face internal and external conflicts to maintain their existence in the era of technological change. Islamic boarding schools try not to change their uniqueness but face external demands as they accommodate students from different cultures, regions, languages, and even other countries who study religion. Even Islamic boarding schools cannot adapt to government regulations in determining policies for developing Islamic boarding schools in Indonesia.
Pelatihan Pengelolaan Sampah Plastik di Dusun Sumber Rejo Desa Lembeyan Wetan Kabupaten Magetan Nurhidayati, Maulida
Amalee: Indonesian Journal of Community Research and Engagement Vol. 1 No. 1 (2020): Amalee: Indonesian Journal of Community Research and Engagement
Publisher : LP2M INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/amalee.v1i01.175

Abstract

Sumber Rejo Hamlet is a hamlet located in Lembeyan Wetan Village with the majority of the population's livelihoods being farmers. Community empowerment was chosen as a step to increase community knowledge, skills and motivation to strengthen their resources. Using ABCD approach, the activity began with the mapping of the area, community, associations, and individual assets. There were a number of problems that occurred in Sumber Rejo Hamlet. In mapping step, several obstacles faced by the community especially the fact that there were the amount of garbage scattered in the river and the lack of management of plastic waste. Then, plastic waste management training program was chosen to run. This activity is becoming the focus of main activities because more and more plastic waste will potentially pollute the environment. The waste management training was held on August 7, 2019 at Mrs. Katini’s home, one of the residents in Sumber Rejo Hamlet. The target of this activity is homemakers in Sumber Rejo village with the aim that they become more concerned with plastic waste and its use. Presenters of plastic waste management training came from Kopma Al-Hikmah IAIN Ponorogo where the implementation of the training went very well. The participants were very enthusiastic in welcoming the training and were able to take part in the activity until the end. Keywords: empowerment, community, pollution, environment, garbage Abstrak Dusun Sumber Rejo adalah dusun yang terletak di Desa Lembeyan Wetan dengan mayoritas mata pencaharian penduduk adalah petani. Pemberdayaan masyarakat dipilih sebagai langkah untuk meningkatkan pengetahuan, keterampilan, dan motivasi masyarakat untuk memperkuat sumber daya mereka. Menggunakan pendekatan ABCD, kegiatan dimulai dengan pemetaan area, komunitas, asosiasi, dan aset individu. Ada sejumlah masalah yang terjadi di Dusun Sumber Rejo. Dalam langkah pemetaan, beberapa kendala yang dihadapi oleh masyarakat terutama fakta bahwa ada jumlah sampah yang berserakan di sungai dan kurangnya pengelolaan sampah plastik. Kemudian, program pelatihan pengelolaan limbah plastik dipilih untuk dijalankan. Kegiatan ini menjadi fokus kegiatan utama karena semakin banyak sampah plastik yang berpotensi mencemari lingkungan. Pelatihan pengelolaan sampah plastik diadakan pada 7 Agustus 2019 di rumah Ny. Katini, salah satu warga di Dusun Sumber Rejo. Sasaran dari kegiatan ini adalah para ibu rumah tangga di desa Sumber Rejo dengan tujuan agar mereka lebih peduli dengan sampah plastik dan penggunaannya. Penyaji pelatihan pengelolaan sampah plastik datang dari Kopma Al-Hikmah IAIN Ponorogo di mana pelaksanaan pelatihan berjalan dengan sangat baik. Para peserta sangat antusias dalam menyambut pelatihan dan dapat mengambil bagian dalam kegiatan sampai akhir. Kata kunci: pemberdayaan, masyarakat, pencemaran, lingkungan, sampah
CLASSIFICATION OF GENDER INEQUALITY IN INDONESIA: UNSUPERVISED AND SUPERVISED LEARNING APPROACHES Nurhidayati, Maulida; Yunaita Rahmawati; Ajeng Wahyuni
Jurnal Matematika UNAND Vol. 15 No. 1 (2026)
Publisher : Departemen Matematika dan Sains Data FMIPA Universitas Andalas Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jmua.15.1.108-122.2026

Abstract

Gender inequality in Indonesia is a multidimensional problem that has a wide impact on human development. This study aims to model and classify the level of gender inequality between provinces in Indonesia with a combined approach of unsupervised and supervised learning. Secondary data from 38 provinces in 2024 were analyzed using five methods: K-Means, Self-Organizing Map (SOM), hybrid SOM-KMeans, Support Vector Machine (SVM), and Logistic Regression. In the unsupervised approach, the SOM and SOM-KMeans methods show better cluster coherence than K-Means. In the supervised approach, the SVM method provides better classification performance compared to logistic regression. Overall, SVM was obtained with the highest accuracy, which was 89.47%, surpassing other methods. This research makes a methodological contribution to the use of machine learning for spatial-based gender inequality risk mapping, as well as implications for more precise and adaptive data-based policymaking.
The The Influence of Islamic Corporate Governance, Sharia Compliance, and Internal Control on Fraud in Islamic Commercial Banks for the Period 2019-2023 Isna Imroatul Khusna; Maulida Nurhidayati
Falahiya Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v4i2.5448

Abstract

Introduction: The main issue is the fluctuation in the number of frauds in Islamic Commercial Banks from 2019-2023. Bank implements compliance with Sharia Compliance through measuring variables and governance with a composite value of 1-3. However, the existence of these components does not necessarily reduce fraud cases in each Islamic Commercial Bank. Research Methods: The ordinal logistic regression model was chosen as the analysis technique using SPSS 23 software as an analysis tool. Results: Sharia Supervisory Board variable has a positive but insignificant effect on fraud. While the Board of Commissioners variable has a positive effect and the Profit Sharing Ratio has a significant negative effect on fraud. Then, the Board of Directors variable has a negative but insignificant effect on fraud. Furthermore, the Directors' Employees Welfare Ratio and Internal Control variables have a positive but insignificant effect on fraud. Conclusion: The hope is that Islamic Commercial Banks will reduce the potential for fraud by strengthening Islamic Corporate Governance and Sharia Compliance.
Community Purchase Decision Modeling in Bali with Non-Linier Methods Ni Putu Nanik Hendayanti; Maulida Nurhidayati; Siti Soraya; Habib Ratu Perwira Negara
MATRIK : Jurnal Manajemen, Teknik Informatika dan Rekayasa Komputer Vol. 21 No. 3 (2022)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/matrik.v21i3.1740

Abstract

The Covid-19 pandemic has resulted in all activities having to be carried out by implementing physical distancing or social distancing in accordance with health protocols for mutual safety. The government encourages people to do more activities at home, including shopping. Consumer perception of purchasing goods online is a process of evaluating various alternatives and choosing one alternative to purchase goods using internet media. The government appealed to the public to take advantage of online shopping to minimize the spread of Covid-19. This indicates that there are factors that influence consumer perceptions of purchasing goods online during the Covid-19 pandemic. The purpose of this study was to examine the effect of perceived convenience, perceived benefits, perceived trustworthiness, and product quality on people’s purchasing decisions in Bali using the Structural Equation Modeling-Partial Least Square (SEM-PLS) approach, Support Vector Regression (SVR), and Feed Forward Neural Network (FFNN). Based on the results of the tests carried out, the SEM-PLS model is able to produce a model with an R2 value of 72.7% with a MAPE of 337.37, an SVR model of 65.88% with a MAPE of 219.56 and a FFNN model of 97.28% with a MAPE of 90.22. Based on the resulting R2 and MAPE values, the FFNN model gives the highest results compared to other models.
Pengaruh EPS, ROE, dan ROA terhadap Harga Saham Perusahaan Consumer Goods Periode 2015-2020 Rizal Rosikin; Maulida Nurhidayati
Niqosiya: Journal of Economics and Business Research Vol. 3 No. 1 (2023): Januari-Juni 2023
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v3i1.911

Abstract

Prospective investors must do a financial ratio analysis to determine the best and most profitable investment decisions. In theory, the value of Earning Per Share (EPS), Return on Equity (ROE), and Return On Assets (ROA) increases and will increase stock prices. The identification results show that when the EPS, ROE, and ROA of consumer goods companies have increased EPS, ROE, ROA, and Stock Price, the stock prices of consumer goods companies have decreased. This shows that there needs to be more theory and data. Based on this, this study aims to examine and analyze the effect of EPS, ROE, and ROA on the stock price of Consumer Goods companies partially or simultaneously. This type of research is quantitative research using secondary data. There is also data collection using a documentation study. The data used in this study is in the form of annual reports of Consumer Goods companies listed on the Indonesia Stock Exchange (IDX) for the 2015-2020 period. The analytical method used is panel data regression analysis with the stages of panel data regression model estimation, panel data regression model selection, classical assumption test, and significance test; the software used is Eviews 9.0. The results of this study indicate that the EPS variable partially has a positive effect on stock prices. ROE variable partially does not affect stock prices. The ROA variable partially has a negative effect on the Stock Price. The EPS, ROE, and ROA variables simultaneously significantly affect the Stock Price. Adjusted R-squared has a value of 77.135%. This shows that EPS, ROE, and ROA in this study affect 77.135% of stock prices, while other variables outside this study influence 22.86%.