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All Journal HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Economica: Jurnal Ekonomi Islam Media Mahardhika Jurnal Lentera Pendidikan Pusat Penelitian LPPM UM Metro Widya Balina :Jurnal Ilmu Pendidikan dan Ekonomi EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial JURNAL EKONOMI SYARIAH Aghniya: Jurnal Ekonomi Islam ALACRITY : Journal Of Education Proceeding International Seminar of Islamic Studies Jurnal Nirta: Studi Inovasi Jurnal Edukatif Journal of Exploratory Dynamic Problems Journal Of Sustainable Education (JOSE) PESHUM
Siregar, Pani Akhiruddin
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Religion Arts Humanities Astronomy Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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THE INFLUENCE OF DPK, NPF, AND BOPO ON ROA ISLAMIC COMMERCIAL BANKS IN INDONESIA Nasution, Lailan Azmi; Siregar, Pani Akhiruddin; Sari, Yulia; Patimah, Patimah; Pasaribu, Novita Sari
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

This study was conducted to formulate whether DPK, NPF, and BOPO affect the ROA of Islamic Commercial Banks in Indonesia. The type of research data with secondary data sourced from the Financial Performance of Islamic Commercial Banks through the publication of Sharia banking Statistics, Financial Services Authority (SPS-OJK). SPS-OJK is a publication media that presents data on Sharia banking in Indonesia. The research sample was taken periodically in the form of monthly data from January 2020 to September 2023. At least, the amount of data that can be further analyzed is 45 data. Sample withdrawal technique with simple random sampling. The research results are as follows: (1) The estimation model shows an R2 value of 0.551 which represents the coefficient of determination. This means that 55.10% of the variation in the dependent variable can be explained by the independent variables in this model. The remaining 44.90% is explained by other causes that are not included in the model; (2) The regression model on the independent variables simultaneously affects the dependent variable so that the independent variable regression model can be used to predict the dependent variable; and (3) This study produces the output of not only DPK but also BOPO which has a significant effect on the ROA of Islamic Commercial Banks in Indonesia. Except that, NPF has no effect and is not significant on the ROA of Islamic Commercial Banks in Indonesia.
THE INFLUENCE OF NPF, BOPO, AND CKPN ON THE ROA OF SHARIA BUSINESS UNIT IN INDONESIA Siregar, Pani Akhiruddin; Wirian, Oktrigana; Ruslan, Muhammad; Afandi, Ahmad; Olivia, Hastuti
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

This research aims to analyze the influence of NPF, BOPO, and CKPN on the ROA of Sharia Business Unit in Indonesia. The type of research data with secondary data is sourced from the Financial Ratios of Islamic Business Unit and Islamic Business Unit Operations through the publication of The Sharia Indonesia Banking Statistics, Financial Services Authority (SPS-OJK). The SPS-OJK is is a publication media that provides data regarding the Sharia banking industry in Indonesia. The research sample was taken periodically in the form of monthly data from January 2020 to August 2023. At least, the amount of data that can be further analyzed is 44 data. Sampling technique with simple random sampling. The results of the research are as follows: (1) The estimation model shows an R2 value of 0,893 which represents the value of the coefficient of determination. This means that 89,30% of the dependent variable variation is able to be explained by the independent variable in this model. The remaining 10,70% is explained by other causes that are not included in the model; (2) The regression model on the independent variable simultaneously influence the dependent variable, so that the independent variable regression model can be used to predict the dependent variable; and (3) This research produced output that NPF, BOPO, and CKPN have an influential and are significant on the ROA of Sharia Business Unit in Indonesia.
Peranan E-Commerce dalam Transaksi Salam Salsabila, Siti Afifah; Maulana, Muhammad Irvan; Nasution, Siti Zahra Amelia Putri; Tyrta, Arya Wangsa; Aginta, Gadis; Siregar, Pani Akhiruddin
AGHNIYA : Jurnal Ekonomi Islam Vol 6, No 2 (2024): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v6i2.22038

Abstract

E-commerce has become one of the important innovations in facilitating the implementation of the salam contract, a sharia-based transaction in which payment is made in advance for goods to be delivered at a later date. With features such as pre-orders, digital payment systems, and logistics management, e-commerce platforms enable salam transactions to be carried out more transparently, efficiently, and in accordance with sharia principles. In addition, the wide market reach in e-commerce provides opportunities for business actors, especially MSMEs, to expand access to their products nationally and internationally. However, the implementation of the salam contract in e-commerce faces a number of challenges, such as late delivery of goods and the potential for unclear product specifications. To overcome this problem, the integration of technologies such as increased sharia supervision are important solutions. With further optimization, e-commerce can act as a catalyst in supporting the development of the sharia economy in the digital era. This study shows that e-commerce not only facilitates transactions, but also has the potential to strengthen trust and inclusivity in sharia-based trade.
Analisis Faktor-Faktor Yang Mempengaruhi Minat Mahasiswa FAI UMSU Menggunakan Dompet Digital Putri, Novi Amelia; Siregar, Pani Akhiruddin
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 8 No 2 (2024): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v8i2.1331

Abstract

Minat menggunakan dompet digital dinilai semakin hari semakin meningkat, bagi Mahasiswa di Fakultas Agama Islam Universitas Muhammadiyah Sumatra Utara aplikasi Dompet digital memiliki daya tarik tersendiri sehingga memilih menggunakan aplikasi tersebut untuk menunjang kegiatan keseharian dengan berbagai fitur yang ada pada aplikasi tersebut yang dapat memberikan efisiensi dalam kegiatan bertransaksi. Penelitian ini bertujuan untuk Analisis faktor-faktor yang mempengaruhi minat mahasiswa FAI UMSU untuk menggunakan dompet digital. Melalui jenis penelitian kuantitatif dengan menggunakan data primer berupa penyebaran kuesioner. Sampel yang digunakan sebanyak 100 orang nasabah pada Bank Digital Syari’ah Indonesia. Data yang memperoleh diolah oleh SPSS 21.0 for windows Hasil dari penelitian ini adalah :1) Variabel Kemudahan berpengaruh positif dan signifikan terhadap Minat mahasiswa FAI UMSU menggunakan dompet digital, Pernyataan tersebut berdasarkan hasil pengujian t-Sig. dengan nilai sebesar sebesar 0,027 ≤ 0,05. 2). Variabel Keamanan berpengaruh positif dan signifikan terhadap Minat mahasiswa FAI UMSU menggunakan dompet digital, Pernyataan tersebut berdasarkan hasil pengujian t-Sig. dengan nilai sebesar,006 ≤ 0,05. 3). Variabel pengetahuan berpengaruh positif dan signifikan terhadap Minat mahasiswa FAI UMSU menggunakan dompet digital, pernyataan tersebut berdasarkan hasil pengujian t-Sig. dengan nilai sebesar sebesar sebesar 0,032 < 0,05. Sedangkan hasil pengujian simultan (F) diperoleh Fhitung sebesar 41.875 dan probabilitas sebesar 0,000. Karena sig 0,000 < 0,05, maka dapat disimpulkan jika variable kemudahan, keamanan, pengetahuan secara bersama-sama berpengaruh terhadap minat mahasiswa FAI UMSU menggunakan dompet digital.
Optimizing Zakat Management: The Agricultural Sector’s Role in Poverty Reduction in Indonesia and Malaysia Mukhlis, Mukhlis; Zaimsyah, Annisa Masruri; Ibrahim, Patmawati Bte Hj; Marliyah, Marliyah; Siregar, Pani Akhiruddin
Economica: Jurnal Ekonomi Islam Vol. 14 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2023.14.1.13979

Abstract

The development of welfare systems and income tax in the 20th century shows religious practices in poverty alleviation, especially zakat in Islamic tradition. In Indonesia and Malaysia, zakat management is an effort in poverty alleviation, but challenges remain, especially in the centralized system in Malaysia. This study aims to examine the effectiveness of agricultural zakat management in Indonesia and Malaysia, including comparing its implementation and impact in the agricultural sector. This study uses a qualitative method, using a comprehensive literature review and content analysis based on Creswell's qualitative research framework. The results of this study indicate that agricultural Zakat has significant potential to increase zakat income and support poverty alleviation. In Indonesia, where agriculture is a major economic sector, the impact is very prominent. However, better governance and digital integration are needed for optimization. Collaboration between the government, zakat institutions, and the community is essential in order to maximize the role of zakat in economic empowerment. This study contributes to the comparative analysis of zakat management in the two countries and highlights the need for local strategies to increase its effectiveness in poverty alleviation.
Pengalaman Guru Dalam Menghadapi Tantangan Pembelajaran Daring : (Studi Kasus Di SMP Negeri 1 Kabupaten Deli Serdang) Zalukhu, Ade Rostian; Shabrina, Fathiyyah; Siregar, Pani Akhiruddin
Journal of Sustainable Education Vol. 2 No. 2 (2025): Juni 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jose.v2i2.178

Abstract

The Covid-19 pandemic has forced the education sector to shift abruptly to online learning. This sudden transition presented various challenges, particularly for teachers who had to quickly adapt to digital technologies while ensuring that the learning process remained effective. This study aims to explore the experiences of teachers in facing the challenges of online learning at a public junior high school 1 District Deli Serdang. A qualitative method with a case study approach was used. Data were collected through interviews and observations with five teachers from different subject areas. The results reveal that teachers encountered several obstacles, including limited access to technology infrastructure, low student motivation, and a lack of initial competence in using online learning platforms. Despite these difficulties, teachers demonstrated resilience and creativity by implementing adaptive teaching strategies such as creating simple instructional videos, using a personal approach with students, and collaborating with parents. These findings reinforce the importance of institutional support and technological training for teachers. The study concludes that although the challenges were significant, teachers were able to adapt effectively, and their strategies can serve as valuable references for improving the quality of future online learning practices.
Pengalaman Guru Pendidikan Agama Islam Dalam Mengimplementasikan Metode Pembelajaran Disekolah Dasar Fernanada, Eliza; Marpaung, Eridawati; Siregar, Pani Akhiruddin
Journal of Sustainable Education Vol. 2 No. 2 (2025): Juni 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jose.v2i2.179

Abstract

Abstract: This study aims to describe the experiences of Islamic Religious Education (PAI) teachers in implementing teaching methods at the elementary school level. Utilizing a qualitative approach with a phenomenological framework, this research analyzes the perceptions, challenges, and adaptations made by teachers in their teaching methods. Data were collected through in-depth interviews and participatory observations of five PAI teachers in elementary schools in region X. The findings indicate that teachers apply contextual and interactive approaches to address limitations in facilities and the diverse characteristics of students. This study provides practical contributions to the development of innovative and adaptive PAI teaching methods in elementary schools. Additionally, it identifies several challenges faced by teachers, including a lack of resources and support from educational institutions. The findings contribute to the development of more effective PAI teaching methods at the elementary school level and offer recommendations for policymakers to enhance the quality of religious education in schools. This research is expected to serve as a reference for future studies and assist teachers in improving their teaching practices.
Strategi Guru PAI Dalam Meningkatkan Membaca Al-Qur’an Siswa Kelas 6 Di MIS Nurul Ikhwan Siregar, Pani Akhiruddin; Zuhri, Mutiara; Nulhaq, Aulia Rohmah
Journal of Sustainable Education Vol. 2 No. 2 (2025): Juni 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jose.v2i2.180

Abstract

Learning to read the Qur'an is one of the main components of Islamic religious education that must be possessed by students, especially at the Madrasah Ibtidaiyah level. This study aims to assess the strategies implemented by Islamic Religious Education (PAI) teachers in developing the ability to read the Qur'an of grade 6 students at MIS Nurul Ikhwan. The method applied in this study is qualitative with data collection through observation, interviews, and documentation. Research indications suggest that PAI teachers implement several successful strategies, including effective learning planning, application of the listening and practicing method, use of interactive learning media, and providing motivation and working together with parents. Several supporting factors are teacher ability, adequate facilities, and adequate learning environment, while the inhibiting factors are lack of student motivation and limited attention from parents. With this, it can be concluded that the strategies implemented by PAI teachers have an important role in improving the ability to read the Qur'an of grade 6 students at MIS Nurul Ikhwan.
Strategi Mahasiswi Kelas E1 PAI Dalam Menghadapi Tantangan Akademik Brasa, Ayu Astuti; Amini, Khumairoh; Siregar, Pani Akhiruddin
Journal of Sustainable Education Vol. 2 No. 2 (2025): Juni 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jose.v2i2.222

Abstract

Female students enrolled in the Islamic Religious Education (PAI) program face a range of complex academic challenges in today’s educational landscape. These include high academic demands, time constraints, psychological pressure, and limited access to knowledge. This study aims to explore and analyze the strategies employed by female PAI students in Class E1 Morning to navigate these academic challenges. Utilizing a qualitative research method with a case study approach, data were gathered through in-depth interviews, observations, and documentation. The participants consisted of three sixth-semester PAI students at Universitas Muhammadiyah Sumatera Utara. The findings reveal that the most commonly adopted strategies include priority-based time management, the internalization of Islamic values, strong learning motivation, and seeking social support from both the university and their families. Additionally, students implemented various other approaches, such as forming study groups, leveraging information technology, and enhancing interpersonal skills. The effectiveness of these strategies is further influenced by intrinsic motivation and a supportive learning environment. The results of this study are expected to contribute to the development of academic support services tailored to the needs of female PAI student.
Menumbuhkan Semangat Belajar Remaja: Kajian Psikologi Pendidikan tentang Faktor Internal dan Eksternal Motivasi Segara, Sukma Chalifah; Salma, Indah; Siregar, Pani Akhiruddin
Journal of Sustainable Education Vol. 2 No. 2 (2025): Juni 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jose.v2i2.223

Abstract

This study aims to examine the internal and external factors that influence adolescents’ learning motivation from the perspective of educational psychology, as well as to formulate effective strategies for fostering their enthusiasm for learning. Adolescence is a crucial phase in shaping character and life direction, making learning motivation a vital aspect in supporting academic achievement and personal development. The method used in this study is library research, by collecting and analyzing various scholarly sources such as educational psychology textbooks, academic journals, and relevant previous studies. The findings show that internal factors such as learning interest, self-confidence, and life goals play a significant role in shaping adolescents’ motivation to learn. On the other hand, external factors such as parental support, teacher roles, school environment, and peer influence also have a strong impact. The lack of one or more of these factors can reduce motivation and engagement in the learning process. Therefore, synergy between family, school, and community environments is needed to create a supportive learning atmosphere. This study recommends a holistic and empathetic approach to nurturing adolescents’ learning motivation so they can grow into independent and high-achieving individuals.
Co-Authors Adha, Wahyuni Aginta, Gadis Ahmad Afandi Akbar, Ary Rizky Alnamira, Alnamira Amini, Khumairoh Anip, Andi Anriza Witi Nasution AS, Weli Tridayatna Asih, Dinda Fadila Ayu Astuti Brasa Azhara, Putriyani Azizah, Ilma Septia Bahari Bahari, Bahari Brasa, Ayu Astuti Britania, Yolanda Devi Permata Sari Dipa, Mira Fernanada, Eliza Ghibran, Muhammad Heru Hamdani, Muhammad Fadhil Hastuti Olivia Hawani, Yasmine Sabila Husna, Nurhidayati Ibrahim, Patmawati Bte Hj Jannah, Salsabila Nur Juniar, Siti KARIMAH, NURUL Kusumo, Angelina Marliyah, Marliyah Marliyah, Marliyah Marpaung, Eridawati Maulana, Muhammad Irvan Mia Audina, Mia Muhammad Ruslan Mukhlis Mukhlis Musyafa, Fadhil Muthiah, Asma’ Muthmainnah, Kamilia Nainggolan, Arsilla Rahmani Nasution, Lailan Azmi Nasution, Nabila Wardina Nasution, Siti Zahra Amelia Putri Nulhaq, Aulia Rohmah Oktrigana Wirian Pakpahan, Elpianti Sahara Pasaribu, Novita Sari Patimah Patimah Putri, Alya Saskia Putri, Novi Amelia Raeny Surya Rahman, Anggi Sartika Raini, Aljah Ricky Septian Salma, Indah Salsabila, Siti Afifah Salsabillah, Mutia Ziva Salwa, Alya Annisa Saragih, Nilam Permata Segara, Sukma Chalifah Septiani, Dila Shabrina, Fathiyyah Shabrina, Nadia Shandy, Akhmad Sihombing, Dwy Arnanda Sinaga, Indah Permata Siregar, Abdul Rosyid Sunardi Sunardi Suryani Suryani Tamaulina Br Sembiring Triamryaningsih, Septi Tsabitah, Sultan Tyrta, Arya Wangsa Zaimsyah, Annisa Masruri Zalukhu, Ade Rostian Zalukhu, Nilfa Zuhri, Mutiara