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The Role of Banking in Micro, Small and Medium Enterprises (Study of BPRS Saruma Financing in the Agriculture and Fisheries Sector) Abas, Sofyan
Agrikan Jurnal Agribisnis Perikanan Vol. 16 No. 1 (2023): Agrikan: Jurnal Agribisnis Perikanan
Publisher : Fakultas Pertanian, Universitas Muhammadiyah Maluku Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52046/agrikan.v16i1.1591

Micro, Small and Medium Enterprises (MSMEs) as pillars supporting the Indonesian economy need special attention, including banking financial institutions, because the contribution of the MSME sector to the national economy is quite large. Sharia People's Financing Bank (BPRS) Saruma Sejahtera Halmahera South Regency has carried out all the systems that have been established in accordance with the mandate of law number 21 of 2008 concerning Islamic banking, namely providing financing based on contracts that do not conflict with sharia principles, namely profit sharing that does not harm the party customers include Micro, Small and Medium Enterprises (MSMEs) so that they can run their businesses. BPRS Saruma Sejahtera Halmahera Selatan with a Financial intermediation function can encourage economic activity, because it can lead to a flow of funds from parties who are not productive to those who are productive in managing funds. Furthermore, this will help the economy to become more efficient and dynamic. This research is a qualitative research, it is hoped that it will be able to find out how far the alignment of Islamic banking is in the real sector, namely Micro, Small and Medium Enterprises (MSMEs). The results of this journal research are to find out the basic procedures for analyzing financing or credit from the Saruma Sejahtera Halmahera Selatan Syariah People's Financing Bank to MSME actors, both businesses in the agricultural and fisheries sectors.

The Role of Islamic Financial Institutions in the Real Sector: Study of BPRS Bahari Berkesan Financing in Fisheries Agriculture UMKM Abas, Sofyan
Agrikan Jurnal Agribisnis Perikanan Vol. 16 No. 2 (2023): Agrikan: Jurnal Agribisnis Perikanan
Publisher : Fakultas Pertanian, Universitas Muhammadiyah Maluku Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52046/agrikan.v16i2.1861

In Indonesia, the Micro, Small and Medium Enterprises (UMKM) sector is a pillar of the community's economic support that needs special attention including Islamic banking financial institutions, because the contribution of the UMKM sector to the regional and national economy is quite significant. Sharia People's Financing Bank (BPRS) Bahari Berkesan Kota Ternate has carried out the message of law number 21 of 2008 concerning Islamic banking in Indonesia, namely providing financing based on contracts that do not conflict with sharia principles, namely profit sharing that does not harm both parties, both customers including business actors in the real sector based on MSMEs. Islamic People's Financing Bank (BPRS) Bahari Berkesan Kota Ternate as a financial institution that has the function and role of Financial intermediation is expected to encourage the economic activities of the community, the pattern of fund flow from unproductive parties to productive economic business actors in managing Islamic banking funds including MSME sector actors. This research is qualitative, to find out the extent of the alignment of Islamic financial institutions, especially Islamic banks in the real economic sector including the Micro, Small and Medium Enterprises (UMKM) cluster. Furthermore, the result of this journal research is to be able to find out the pattern of Islamic banking financing, analysis of financing from the Islamic People's Financing Bank (BPRS) Bahari Berkesan Kota Ternate to regional economic business actors in the MSME sector, especially the real sector of agriculture and fisheries.

Islamic Banks and the Role of Economic Empowerment: Study at BSI Ternate on UMKM in Agriculture and Fisheries Abas, Sofyan
Agrikan Jurnal Agribisnis Perikanan Vol. 17 No. 1 (2024): Agrikan: Jurnal Agribisnis Perikanan
Publisher : Fakultas Pertanian, Universitas Muhammadiyah Maluku Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52046/agrikan.v17i1.2089

Bank Syariah Indonesia (BSI) as an Islamic financial institution based on Islamic Banking must be able to ensure the safety of people in the world and long for a financial economic system that has the value of truth (logic), goodness (ethic), and beauty (aesthetic). The Islamic financial system was born and emerged from a thought that is full of religious character and has special characteristics that are not possessed by other economic and financial systems such as the financial economic idiology of capitalists, socialists, liberalists and communist financial economics. This is due to the perfection of the rules through the elaboration of the concept of muamalah based on Islamic sharia. Muhammad Syafi'i Antonio and Hilman Fauzi Nugraha, that Islamic banking financial institutions and other Islamic financial institutions are recognised today to have become the leading torch in the economic development project and Islamic finance in Indonesia and even in the world. Bank Syariah Indonesia (BSI) continues to support the growth of Micro, Small and Medium Enterprises (UMKM) through the provision of access to Islamic financing. this is reflected in the distribution of BSI financing to the MSME sector nationally until March 2024 has been realised at Rp 46.62 trillion. This research shows that the existence of Islamic banking is expected to be able to synergise with the government in the empowerment of Micro, Small and Medium Enterprises (UMKM).

Strategi Kepala Sekolah Dalam Pemanfaatan Perpustakaan Sekolah Berbasis Digital Abas, Sofyan; Mas, Sitti Roskina; Sumar, Warni Tune
Student Journal of Educational Management VOLUME 2 NOMOR 1 JUNI 2022
Publisher : Jurusan Manajemen Pendidikan Fakultas Ilmu Pendidikan Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37411/sjem.v2i1.1029

Penelitian ini bertujuan untuk mendeskripsikan (1) upaya kepala sekolah dalam memaksimalkan perpustakaan berbasis digital sebagai fungsi edukasi, (2) upaya kepala sekolah dalam memaksimalkan perpustakaan berbasis digital sebagai fungsi infomasi, (3) upaya kepala sekolah dalam memaksimalkan perpustakaan berbasis digital sebagai fungsi riset. Penelitian ini menggunakan pendekatan kualitatif deskriptif. Teknik pengumpulan data menggunakan (1) wawancara, (2) observasi, dan (3) dokumentasi. Analisis data menggunakan alur (1) pengumpulan data, (2) reduksi data, (3) penyajian data, (4) penarikan kesimpulan. Pengecekan keabsahan data melalui (1) Kredibilitas. Kredibilitas dilakukan melalui triangulasi sumber dan triangulasi metode. (1) Upaya kepala sekolah dalam memaksimalkan perpustakaan berbasis digital sebagai fungsi edukasi dengan menyediakan tempat belajar yang menyenangkan, menyediakan komputer dan layanan internet sebagai penunjang penggunan perpustakaan digital sehingga menciptakan kondisi belajar yang menyenangkan dalam mencari referensi. (2) Upaya kepala sekolah dalam memaksimalkan perpustakaan digital sebagai fungsi informasi dengan menyediakan referensi dan menambah koleksi buku sehingga mempermudah siswa dalam mencari sumber referensi (3) Upaya kepala sekolah dalam memaksimalkan perpustakaan digital sebagai fungsi riset dengan memotivasi sumber daya manusia yang ada di sekolah dengan menjadikan perpustakaan digital sebagai tempat sumber rujukan dalam menyelesaiakan tugas sekolah sehingga mempermudah siswa dalam mengerjakan tugas sekolah dan lebih optimalnya penggunaan perpustakaan sekolah berbasis digital. untuk itu disarankan kepada: (1) kepala sekolah: dengan adanya strategi pemanfaatan perpustakaan berbasis digital kiranya dapat lebih lagi ditingkatkan kompetensinya sehingga bisa memberikan dampak positif bagi guru dan siswa serta mengembangkan sumber keuangan sekolah dalam menyediakan sarana prasarana kebutuhan perpustakaan untuk di kembangkan lebih lanjut dengan menambahkan inovasi yang lebih menarik lagi. (2) Guru: guru diharapkan menggunakan metode pembelajaran di dalam perpustakaan sehingga siswa dapat terbiasa dan mudah menggunakan perpustakaan berbasis digital (3) siswa: hendaknya terus mengasah, menumbuhkan minat baca dan mengembangkan ilmu pengetahuan selama tersedianya perpustakaan berbasis digital di sekolah yang sumber ilmunya dapat ditemukan dengan secara cepat.

Kedudukan Kurikulum Pendidikan Agama Islam di Sekolah dan Madrasah Mansir, Firman; Abas, Sofyan
Indonesian Journal of Elementary Education and Teaching Innovation Vol 3, No 2 (2024)
Publisher : Alma Ata University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/ijeeti.2024.3(2).64-73

This study explains that in the national education curriculum, the fiqh curriculum is one of the derivatives of the national education goals. The fiqh curriculum becomes a branch of religious science whose supporters achieve national education goals, specifically in the character-building of students. The method used is a qualitative approach through library research so that in analyzing data with literature analysis. In facing an era like this, the teachings of norms are needed for students. So that the learning of fiqh acts as a guide for students in distinguishing a problem, good or bad in terms of religion and socially. Learning of fiqh in schools and madrasahs itself is based on government regulation (PP) number 55 of 2007. The regulation contains religious and religious education which is a derivative of the national education goals. Therefore, this research aims to describe the position of the Islamic Religious Education Curriculum (PAI) in learning Fiqh in the context of the National Curriculum. The legal basis of the Islamic Religious Education (PAI) curriculum in fiqh learning, as well as the learning function of fiqh in schools and madrasas The current and last context is the benefit of fiqh learning for students in responding to social life.

Bank Financing for Micro, Small and Medium Enterprises (Study at BPRS Saruma Sejahtera, in the Fisheries and Agriculture Sector) Abas, Sofyan
Agrikan Jurnal Agribisnis Perikanan Vol. 17 No. 2 (2024): Agrikan: Jurnal Agribisnis Perikanan
Publisher : Fakultas Pertanian, Universitas Muhammadiyah Maluku Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52046/agrikan.v17i2.2354

The importance of the role of lending or financing from the financial institution sector as an intermediary financing function in the MSME sector, because the contribution of the MSME sector to the regional and national economy is quite large and significant. Sharia People's Economic Bank (BPRS) Saruma Sejahtera South Halmahera has performed its function in the real sector of the economy in accordance with the mandate of law number 21 of 2008 concerning Islamic banking, namely providing financing based on contracts that may not conflict with sharia principles including customers of Micro, Small and Medium Enterprises (MSMEs) so that they can run their businesses in accordance with law number 20 of 2008 which specifically regulates MSMEs. BPRS Saruma Sejahtera as a financial intermediary between various parties in financial transactions is expected to encourage the economic activities of South Halmahera district to grow well in order to help the regional economy become more efficient and dynamic. This qualitative research is expected to determine the extent of the alignment of the Saruma Sejahtera Sharia People's Economic Bank (BPRS) to the real sector of the economy based on Micro, Small and Medium Enterprises (MSMEs) in South Halmahera Regency.The results of this study are also to determine the mechanisms and procedures for analyzing the financing of the Saruma Sejahtera Sharia People's Economic Bank to MSME actors in the agricultural and fisheries sectors in the South Halmahera region.

The Influence of Airline Ticket Price Reduction Policy and Tourist Consumption Behavior on Year-End Holiday Destination Choices in Indonesia Abas, Sofyan; Priyana, Yana; Arini, Rani Eka
West Science Interdisciplinary Studies Vol. 3 No. 01 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i01.1635

This study examines the impact of airline ticket price reduction policies and tourist consumption behavior on the choice of year-end holiday destinations in Indonesia. A quantitative approach was employed, involving 60 respondents selected through purposive sampling. Data were collected via a structured questionnaire using a Likert scale (1-5) and analyzed with SPSS version 25. The findings reveal that both airline ticket price reduction policies and tourist consumption behavior significantly influence destination choices, with price reduction policies having a stronger effect. The regression model explains 63% of the variance in destination choices, highlighting the importance of affordability and spending preferences in shaping travel decisions. These results provide valuable insights for policymakers and tourism stakeholders to design strategies that enhance destination competitiveness, particularly during peak travel seasons.

CUSTOMER RELATIONSHIP MANAGEMENT, INNOVATION STRATEGY, AND MARKET ORIENTATION ON BUSINESS GROWTH Abas, Sofyan; Sumantyo, Franciscus Dwikotjo Sri; Adiguna, Patria; Purwoko, Bambang
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 3 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v5i3.3378

This study investigates the effects of Customer Relationship Management (CRM), Innovation Strategy, and Market Orientation on Business Growth, including the moderating roles of Innovation Strategy and Market Orientation in strengthening these relationships. Utilizing a quantitative approach, data were collected from mid-sized and large firms across various industries. Structural Equation Modeling (SEM) analysis reveals that CRM, Innovation Strategy, and Market Orientation each have significant positive impacts on business growth. Furthermore, Innovation Strategy and Market Orientation significantly moderate the relationship between CRM and business growth, as well as between Innovation Strategy and business growth, indicating synergistic effects among these variables. The findings suggest that businesses adopting an integrated strategic framework combining CRM, innovation, and market orientation are more likely to achieve sustainable growth. This research provides both theoretical insights and practical implications for managers aiming to enhance firm performance in competitive markets.

Peran Pendidikan Humanis dalam Membangun Harmoni Antara Agama dan Budaya di Sekolah Mansir, Firman; Abas, Sofyan
EDUKATIF : JURNAL ILMU PENDIDIKAN Vol 7, No 5 (2025): Oktober
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/edukatif.v7i5.8590

Pendidikan humanis memiliki peran penting dalam membangun harmoni antara agama dan budaya di lingkungan sekolah yang memiliki keanekaragaman budaya dan keyakinan. Penelitian ini bertujuan untuk menganalisis peran pendidikan humanis dalam menciptakan keselarasan nilai-nilai keagamaan dan kebudayaan, serta pendekatan humanistik dapat diterapkan dalam proses pembelajaran di sekolah. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif dengan metode literatur review, dengan cara mengumpulkan data dan informasi yang sesuai dengan judul penelitian ini baik melalui jurnal nasional dan internasional serta buku hasil penelitian, kemudian dianalisis dengan analisis konten, melalui suatu bacaan yang melahirkan kesimpulan. Hasil penelitian menunjukkan bahwa pendidikan humanis mampu menumbuhkan sikap saling menghargai dan toleransi di kalangan peserta didik melalui pembelajaran yang menekankan nilai-nilai kemanusiaan dan kebersamaan. Karena itu, perinsip humanisme dalam pendidikan dapat melakukan integrasi nilai-nilai agama dan budaya tanpa menimbulkan gejolak, dengan begitu tercipta suasana sekolah yang damai, sejahtera dan inklusi

The Influence of Airline Ticket Price Reduction Policy and Tourist Consumption Behavior on Year-End Holiday Destination Choices in Indonesia Abas, Sofyan; Priyana, Yana; Arini, Rani Eka
West Science Interdisciplinary Studies Vol. 3 No. 01 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i01.1635

This study examines the impact of airline ticket price reduction policies and tourist consumption behavior on the choice of year-end holiday destinations in Indonesia. A quantitative approach was employed, involving 60 respondents selected through purposive sampling. Data were collected via a structured questionnaire using a Likert scale (1-5) and analyzed with SPSS version 25. The findings reveal that both airline ticket price reduction policies and tourist consumption behavior significantly influence destination choices, with price reduction policies having a stronger effect. The regression model explains 63% of the variance in destination choices, highlighting the importance of affordability and spending preferences in shaping travel decisions. These results provide valuable insights for policymakers and tourism stakeholders to design strategies that enhance destination competitiveness, particularly during peak travel seasons.

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