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Pengaruh Film Kartun Upin & Ipin Terhadap Moral Pada Anak Usia 5-6 Tahun Di TK Tunas Jaya Ayu Ariska; Bukman Lian; Santa Idayana Sinaga
Ta'rim: Jurnal Pendidikan dan Anak Usia Dini Vol. 5 No. 3 (2024): Agustus : Jurnal Pendidikan dan Anak Usia Dini
Publisher : Sekolah Tinggi Agama Islam Yayasan Pendidikan Ilmu Qur'an Baubau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/tarim.v5i3.1460

The aim of this research is to determine the effect of the Upin & Ipin cartoon film on morale in children aged 5-6 years in Tuna Jaya Kindergarten. Background Moral development in children is the child's behavior and good behavior, namely honesty, tolerance, through the Upin & Ipin cartoon film there is moral development in children, teaching positive values that are useful in everyday life. The research method used was a single subject quantitative experimental method, the data collection technique was observation, documentation. The results of this research show that the influence of the Upin & Ipin cartoon film on morale in children aged 5-6 years at Tunas Jaya Kindergarten has a positive impact on children. There is a positive impact on children after watching the Upin & Ipin cartoon film. Children are more knowledgeable. Have a good attitude. Moral development. Cooperation, mutual help, saving, keeping the environment clean. Children imitate the attitudes found in the Upin & Ipin cartoon series. Children will model what the child sees.

Pengaruh Badan Usaha Milik Desa (BUMDes) Terhadap Kesejahteraan Masyarakat Di Desa Pajalele Kecamatan Tanasitolo Kabupaten Wajo Yusran Yusran; Sofyan Marzuki; Ayu Ariska
Journal of Research and Development on Public Policy Vol. 2 No. 2 (2023): juni : Journal of Research and Development on Public Policy
Publisher : Lembaga Pengkajian Dan Pengembangan Sumberdaya Pembangunan (lppsp)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58684/jarvic.v2i2.59

This research is motivated by the Government Program in improving the welfare of the people of Pajalele Village. One of the efforts made by the government to develop Village development is by establishing a Village-Owned Enterprise (BUMDes) by optimizing two business units namely the Savings and Loans Unit and the Tent Rental Unit so that it can improve the welfare of the people of Pajalele Village, Tanasitolo District, Wajo Regency. This study aims to examine the influence of village-owned enterprises (BUMDes) on community welfare in Pajalele Village, Tanasitolo District, Wajo Regency. This research uses quantitative research methods. The population in this study were the people of Pajalele Village who used BUMDes services totaling 126 people, the sample in this study used a probability sampling technique with a simple random sampling type while the sample size was obtained from calculations using the Slovin formula with an error rate of 10% from 56 people. The primary data source is in the form of a questionnaire. The data analysis technique used is descriptive statistical analysis, correlation analysis, coefficient of determination, simple linear regression analysis. Questionnaire measurements answered by respondents used a Likert scale which was processed using Statistical Product and Service Solution (SPSS). The results of this study indicate that village-owned enterprises (BUMDes) have a positive and significant influence on the welfare of the people in Pajalele Village, Tanasitolo District, Wajo Regency. While the value of R2 (R Square) is 0.208 which indicates that the percentage contribution of Village-Owned Enterprises (BUMDes) variables to the community welfare variable in Pajalele Village, Tanasitolo District, Wajo Regency is 20.8%.

The Mediating Role of Circle of Friends and Flexing on FOMO and Israf in Gen Zâ€™s Imitation Fashion Purchase Decisions Ayu Ariska; Ida Farida; Hukmiah Husain
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
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/ml.v16i2.6282

Introduction: This study aims to analyze the mediating role of Circle of Friends and Flexing on the influence of Fear of Missing Out (FOMO) and Israf (excessive consumption) on purchasing decisions of imitation fashion products among Generation Z in Bone Regency. These social and psychological factors are known to be the main drivers of increased consumption of counterfeit goods. Methods: This research uses a quantitative approach with associative methods and Structural Equation Modeling-Partial Least Square (SEM-PLS) analysis techniques. Primary data were obtained through the distribution of online questionnaires to 230 respondents using a purposive sampling technique. The measurement instrument used a Likert scale of 1 to 5 and was tested for validity and reliability. Results: The t-value for the Circle of Friends variable on Purchase Decisions was 7.333 with a significance level of 0.000, and Flexing had a t-value of 3.235 with a significance of 0.001. Both were statistically significant. FOMO had a significant effect on Circle of Friends (t = 2.575; p = 0.010) and Flexing (t = 3.162; p = 0.002), but it did not directly affect Purchase Decisions. Meanwhile, Israf had a significant effect on Circle of Friends (t = 5.354; p = 0.000), Flexing (t = 4.914; p = 0.000), and Purchase Decisions (t = 2.606; p = 0.010). The indirect influence through both mediators was also proven significant. Conclusion and suggestion: The results of the study conclude that Circle of Friends and Flexing significantly mediate the influence of FOMO and Israf on purchasing decisions of imitation fashion products. These findings confirm the importance of social influence and self-imaging motivation in Generation Z's consumption behavior. It is recommended that education about authentic consumption and strengthening regulations against counterfeit goods be improved.

Islamic Ethics of Disability: A Sunnah-Based Model for Social Integration Ayu Ariska; Tarmizi Tarmizi
Fikri : Jurnal Kajian Agama, Sosial dan Budaya Vol. 10 No. 2 (2025): Fikri : Jurnal Kajian Agama, Sosial dan Budaya
Publisher : Institut Agama Islam Ma'arif NU (IAIMNU) Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25217/jf.v10i2.6766

This research aims to investigate the foundational principles governing Prophet Muhammad’s interactions with people with disabilities, ultimately formulating a normative model for Islamic-based social integration. The study addresses the unfortunate reality that people with disabilities continue to face persistent marginalization and stigma within contemporary Muslim societies, despite the strong ethical teachings of Islam. This paper offers a crucial new perspective by shifting the focus of Islamic disability studies from traditional theological and juridical approaches toward a sociological analysis rooted in the Prophet’s actual social practices.The methodology employed is qualitative library research, utilizing primary data from the Hadith, Sīrah (Prophetic biography), and classical Islamic texts, complemented by secondary data from contemporary scholarly literature. The analysis is conducted using a descriptive-analytical approach, synergistically applying Émile Durkheim’s theory of social solidarity, Pierre Bourdieu’s concepts of habitus and social capital, and John Rawls’ theory of justice.The findings demonstrate that the Prophet’s interactions were not merely acts of moral compassion but rather reflected a systematic effort to build social participation and responsibility among people with disabilities. This was achieved through the deliberate provision of symbolic capital (honor and recognition), the elimination of stigma, and the active provision of equal social access. The novelty of this research is the formulation of a Sunnah-based social inclusion model that integrates Islamic values with modern sociological theory, thereby explicitly enriching the discourse on modern social integration and global disability studies, while also serving as an inspiration for policies and empowerment strategies for persons with disabilities in contemporary society.

Deconstructing Market Share Stagnation: The Dialectic of Regulation and the Dynamics of the Islamic Banking Ecosystem in Indonesia Putri Ningsi; Revi Mariska; Tasya Amalia; Ayu Ariska
JOURNAL EKONOMI, KEUANGAN, PERBANKAN DAN AKUNTANSI SYARIAH Vol. 5 No. 1 (2026): JOURNAL EKSPEKTASy
Publisher : Institut Agama Islam Persis Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54801/h6n56t53

This study examines the historical dynamics, regulatory architecture, and competitive landscape between Islamic and conventional banking in Indonesia. Utilizing a qualitative approach based on library research, this study dissects the operational ontology of both systems using secondary data from authoritative academic literature and official documents from financial institutions (OJK and Bank Indonesia). The analytical findings reveal that Islamic banking offers a superior paradigm of distributive justice through profit-and-loss sharing schemes and egalitarian partnership bonds, serving as an antithesis to the fixed interest rate regime in the conventional system. Although supported by a robust regulatory framework (Law No. 21 of 2008) and cross-institutional supervisory synergy, Islamic banking continues to face significant structural challenges. The dominance of conventional banks has led to a stagnation of the Islamic banking market share at approximately 10% of total national banking assets. The primary constraints stem from low specific Islamic financial literacy, technological infrastructure gaps, and limited-service product innovation. This study concludes that to disrupt market hegemony, Islamic banking entities require interventions that transcend theological sentiments, namely the acceleration of inclusive digital transformation, competitive financial product engineering, and affirmative policy support from the state to fortify its role within the national financial architecture

Liability Management and Third-Party Fund Mobilisation in Indonesian Islamic Banks: A Systematic Literature Review of Wadiah and mudharabah Instruments Nuramelia; Nesa Sulistiawati; Sri Selvi Damayanti. S; Ayu Ariska
JOURNAL EKONOMI, KEUANGAN, PERBANKAN DAN AKUNTANSI SYARIAH Vol. 3 No. 2 (2024): JOURNAL EKSPEKTASy
Publisher : Institut Agama Islam Persis Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54801/4n03a141

Liability management is a critical determinant of Islamic banking performance, since the deposit base mobilised through Sharia-compliant contracts primarily wadiah and mudharabah provides the structural foundation for financing intermediation. Despite the rapid expansion of Indonesia's Islamic banking sector, the conceptual literature on liability management for third-party funds (Dana Pihak Ketiga, DPK) remains scattered across textbooks, regulatory reports, and journal articles, with limited synthesis into a coherent framework. This study addresses this gap by conducting a systematic literature review of liability management practices in Indonesian Islamic banks, with particular focus on the operational characteristics, risk profiles, and managerial trade-offs associated with wadiah and mudharabah-based fund mobilisation. A PRISMA-inspired protocol was applied to identify, screen, and synthesise twenty-eight English- and Indonesian-language sources comprising peer-reviewed journal articles, regulatory reports, and authoritative textbooks published between 2001 and 2024. Sources were thematically coded along four analytic dimensions: contractual structure, product taxonomy, liquidity–profitability trade-offs, and macro-institutional determinants. The synthesis yields three principal findings. First, wadiah and mudharabah operate on substantively different risk-return architectures, with wadiah anchoring short-term liquidity through on-demand non-remunerated deposits and mudharabah supporting medium-to-long-term productive financing through profit-sharing investment accounts. Second, effective liability management requires a structural pairing between fund characteristics and asset deployment, mediated through Asset and Liability Management (ALMA) protocols that guard against maturity mismatch. Third, the success of fund mobilisation is conditioned not only by internal managerial competence but also by external factors public trust, Islamic financial literacy, service quality, and competitive positioning vis-à-vis conventional banks. The study contributes a consolidated conceptual framework for liability management in Indonesian Islamic banks and advances four practical recommendations and three priority directions for future empirical research.

Analysis of Fund Management and Allocation Strategies in Islamic Banking Nur Shafiqah; Rahmi; Ayu Ariska
JOURNAL EKONOMI, KEUANGAN, PERBANKAN DAN AKUNTANSI SYARIAH Vol. 5 No. 1 (2026): JOURNAL EKSPEKTASy
Publisher : Institut Agama Islam Persis Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54801/pdgc3q14

Fund management is a fundamental aspect of maintaining the stability and operational sustainability of banks. This study aims to examine various sources of bank funds, including core funds (capital) and external funds, and how the allocation of these funds is managed to support the intermediation function. The research method used is a literature review (library research) by analyzing secondary data from various scientific literature, books, and articles related to banking management. The results indicate that core funds derived from paid-in capital, reserves, and retained earnings serve as a risk buffer and an indicator of a bank’s health. Meanwhile, external funds mobilized from the public through savings, checking accounts, and deposits, as well as funds from financial institutions and investors, are the primary instruments for expanding financing capacity. Effective fund allocation requires a balanced strategy between loans, investments, and liquidity reserves to maintain public confidence and to comply with regulatory requirements. Thus, the integration of capital adequacy and proper fund allocation management is key to maintaining the integrity of the banking financial reporting system

Determination of Margin and Profit-Sharing Ratio in Maintaining Profitability of Islamic Banks Yuliana; Sukmawati; Ayu Ariska
JOURNAL EKONOMI, KEUANGAN, PERBANKAN DAN AKUNTANSI SYARIAH Vol. 3 No. 2 (2024): JOURNAL EKSPEKTASy
Publisher : Institut Agama Islam Persis Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54801/mtm10s11

This study aims to analyze the determination of margin and profit-sharing ratio (nisbah) in maintaining the profitability of Islamic banks. Margin and nisbah represent two primary instruments in Islamic banking operational systems utilized to generate profits without violating Sharia principles. This study employs a qualitative method using a systematic literature review and descriptive analysis approach. Data was obtained from various relevant literature sources, including books, accredited journals, scientific articles, and official reports from financial authorities such as the Financial Services Authority (OJK). The analysis technique was conducted by examining and comparing related theories to obtain a systematic understanding of the relationship between margin determination, nisbah, and Islamic bank profitability. The results of murabahah indicate that margin determination in murabahah financing products must consider operational costs, financing risks, and market conditions, whereas the determination of the profit-sharing ratio must be based on principles of justice, transparency, and mutual agreement between the bank and customers. The balance between margin and nisbah is crucial for maintaining competitiveness while enhancing customer trust. Furthermore, this study reveals that financing continues to dominate the revenue structure of Islamic banks in Indonesia, which poses implications for the fundamental spirit of profit and loss sharing in Islamic banking. This study is limited to a literature review approach without empirical quantitative analysis. Future research is recommended to conduct empirical studies examining the direct impact of margin and nisbah determination policies on Islamic bank profitability using quantitative methods. The findings provide strategic guidance for Islamic bank management in designing optimal portfolio compositions between margin-based and profit-sharing-based financing to achieve sustainable profitability while remaining compliant with Sharia principles

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