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Pengaruh Kualitas Layanan Terhadap Kepuasan Nasabah Pada Produk BSI Tabungan Easy Wadiah Sup, Devid Frastiawan Amir; Sabaruddin
WADIAH Vol. 8 No. 2 (2024): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v8i2.1440

Abstract

Banks in their development will always face very competitive situations. It is important for banks to be able to achieve competitive advantage, one thing banks can do is to develop service quality. Banks must do several things that can bind customers' hearts to remain loyal to the bank, so the services provided by the bank must be right on target, so that customer satisfaction becomes an important part of maintaining customer loyalty to the bank. This research aims to measure the influence of service quality on customer satisfaction with the BSI Easy Wadiah Savings product, at Bank Syariah Indonesia KCP Magelang Muntilan, Central Java. The method used in this research is a quantitative method, using SPSS software analysis tools. There are two variables used in this research, namely the independent variable Service Quality (X) and the dependent variable Customer Satisfaction (Y). The results obtained from this research are that there is a positive and significant influence between service quality and customer satisfaction. If service quality increases, customer satisfaction will also be higher. This is proven by the results of the t test analysis which shows the calculated t is 19.213 with a significance level of 0.01.
URGENSI PENJATUHAN PIDANA MATI TERHADAP PELAKU TINDAK PIDANA NARKOTIKA DAN RELEVANSINYA DALAM PERSPEKTIF Hukum, HAK ASASI MANUSIA DAN HUKUM ISLAM Laman, Ilham; Agustan; Sabaruddin; Haryanto, Wawan; Harun, Amrullah
MADDIKA : Journal of Islamic Family Law Vol. 3 No. 1 (2022): Maddika: Journal Of Islamic Family Law
Publisher : UIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/maddika.v3i1.2713

Abstract

Indonesia as a country with the largest Muslim majority in the world, recognizes that the death penalty is appropriate and urgent in certain crimes or crimes that affect general problems, threaten human life and state problems. However, if based on the concept of capital punishment and narcotics crime, it can be concluded that it is necessary to study more than the urgency of imposing capital punishment on narcotics criminals. human beings to live and is contrary to the concept of the purpose of resocialization punishment so that the perpetrator can become a better person and can return to society. Through the problem the author then describes with a qualitative method, this method is a problem with social problems based on conditions of reality (real) and natural settings that complex and detailed, qualitatively trying to gain understanding, enlightenment on the phenomenon of research and exploitation in the same situation. because this crime causes passive victims, requires rehabilitation and law enforcement costs, destroys youth, and supports society and the state. In Islamic law, the term Qishash is known, which is an equal punishment for one person's actions against another person, in this case the death row inmates, where the main perpetrator has been executed by the death penalty for drug offenders, it is appropriate because they do damage to every aspect of life. nation and state.
FENOMENA CHILDFREE DALAM PERSPEKTIF MAQASHID AL-SYARIAH Utari, Agni; Sabaruddin; Darwis, Rustan
MADDIKA : Journal of Islamic Family Law Vol. 5 No. 2 (2024): Maddika: Journal Of Islamic Family Law
Publisher : UIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/maddika.v5i2.5046

Abstract

The childfree phenomenon has been developing and has become an interesting topic of discussion in Indonesian society, triggering diverse pro and contra reactions. The increased visibility of this issue is partly influenced by the statement of influencer Gita Savitri Devi, which subsequently fostered public discourse concerning the childfree life choice. Given the significance of this phenomenon and the polemic it has generated, this research aims to analyze the childfree phenomenon in Indonesia and examine how the perspective of Maqashid al-Syari’ah addresses this life choice. This study employs library research, utilizing Normative Theological and Sociological Approaches. The research findings indicate that the childfree life choice is underpinned by various considerations and reasons from the individuals or couples who make this decision. From the perspective of Maqashid al-Syari’ah, gaining an in-depth understanding of these reasons is crucial for the analysis. Consequently, if the reason for choosing childfree aligns with the principle of maslahah dharuriyyat within the framework of Maqashid al-Syari’ah, the decision could potentially be deemed permissible, and vice versa
Seni Tilawah Al-Qur’an Dalam Pembentukan Karakter Mastur; Mu'aidi; Sabaruddin; Badaruddin
AL-WIJDÃN Journal of Islamic Education Studies Vol. 7 No. 1 (2022): Juni 2022
Publisher : Faculty of Islamic Sciences, Raden Rahmat Islamic University Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (453.904 KB) | DOI: 10.58788/alwijdn.v7i1.1523

Abstract

Read the Qur’an in tartil, but it is an inseparable part of human existence as a cultured creature who has creativity, taste, and intention. Art is a part of culture. Culture is the result of cultivation creation for humans themselves, and society grows because of culture. Muhsin Salim further explained that art as the embodiment of a sense of beauty, in general, is for the welfare of life. Art arises through the recitation of the Koran which is the result of the process of learning the songs of the Koran. Understanding character is innate, heart, soul, personality, character, behavior, personality, nature, character, temperament, character. The character is personality, behavior, character, character, and character. Character refers to a series of attitudes, behaviors, motivations, and skills. Learning is an effort to teach students. Meanwhile, according to Suyudi, learning is a process to acquire knowledge, while knowledge is a way to obtain truth or value, and truth is a statement without hesitation that begins with an attitude of doubt first. The art of reading the Qur'an known as An-Naghom fil Qur'an means to beautify the sound of the recitation of the Qur'an. Learn ways or methods of humming, singing, and beautifying the sound of the recitation of the Qur'an. The art of reading the Qur'an is an oral science. Based on the description above, it can be concluded as follows: In general, the implementation of character education at the Nurul Quran Praya Islamic Boarding School, Central Lombok has been carried out in an integrated manner in the learning process, both held in formal education such as Islamic Junior High Schools and Madrasah Aliyah institutions as well as extracurricular programs developed in hostels, such as the Al-Quran Recitation art education program, implementation of integrated character education at the vision-mission level, and the goals of the Nurul Qur’an Praya Islamic Boarding School, Central Lombok. Character formation through the art of recitation of the Qor’an includes characters related to perseverance, patience, responsibility, cooperation, and religion. These characters grow from the processes of habituation that take place continuously through education in the art of recitation of the Koran. The most prominent characters include the character of perseverance, patience, responsibility, cooperation, and religion. Indicators of the formation of the character of students through the art of recitation of the Koran can be seen from values such as the patience of students, the character of responsibility, obedience, and obedience, a climate of cooperation, and the religious situation that characterizes the lives of students. The religious atmosphere is reflected in the culture of greetings, clothing and clothing, obedience and obedience of students, manners, worship, reciting, and morals that are reflected in the lives of students in the Al-Quran Recitation art program at the Nurul Qur’an Praya Islamic Boarding School, Central Lombok.   Keywords: Character Formation, Santri, Art of Recitation.
POLA PENDISTRIBUSIAN PUPUK BERSUBSIDI BERDASARKAN PERATURAN MENTERI PERDAGANGAN NOMOR 4 TAHUN 2023 DI DESA KADUNDUNG KECAMATAN LATIMOJONG KABUPATEN LUWU Pujiati, Shiva; Sabaruddin; Agustan
Datuk Sulaiman Law Review (DaLRev) Vol 5 No 2 (2024): Datuk Sulaiman Law Review (DaLReV)
Publisher : Program Studi Hukum Tata Negara (Siyasah) IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/dalrev.v5i2.6555

Abstract

Subsidized fertilizer is a government program to increase agricultural productivity, consisting of various fertilizers: UREA, SP-36, ZA, NPK, and Organic fertilizer. This study aims to identify the distribution pattern of subsidized fertilizer based on the Regulation of the Minister of Trade No. 4 of 2023 in Latimojong District, Luwu Regency, as well as to review its distribution from the perspective of Islamic law. The research method used is qualitative research. The data sources consist of primary, secondary, and tertiary data. Data collection techniques include observation, interviews, and documentation. The data analysis techniques employed are data reduction, data presentation, and conclusion drawing. The study results show that the distribution pattern of subsidized fertilizer in Kadundung Village, Latimojong District, Luwu Regency, has not been optimal. This is due to recurring issues of fertilizer stock shortages, causing difficulties for farmers and forcing some of them to purchase non-subsidized fertilizer.
Merekonstruksi Merekonstruksi Nilai Toleransi Dalam Ruang Privat Politik: Kajian Fenomena Perundungan Rumah Di Kalangan Anggota DPR-RI Indonesia. agustan; Fajrul Ilmy Darussalam; Andi Batara Indra; Sabaruddin
Ganesha Civic Education Journal Vol. 7 No. 2 (2025): October, Ganesha Civic Education Journal
Publisher : Program Studi PPKn Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/gancej.v7i2.6073

Abstract

This study examines the reconstruction of tolerance values ​​in the private political sphere through the phenomenon of domestic bullying among members of the Indonesian House of Representatives (DPR-RI) as a reflection of the moral crisis and the decline of public ethics in Indonesia. This study uses a descriptive qualitative approach based on analytical and interpretive literature reviews. This study combines Michel Foucault's theory of power, Pierre Bourdieu's theory of habitus, and Pancasila ethics to reveal how dominating relations in the public sphere spread to the domestic sphere and normalize authoritarian behavior among the political elite. The results of the study indicate that domestic bullying is not an individual problem, but rather a product of the reproduction of structural power and the weak internalization of just and civilized humanitarian values. Therefore, the reconstruction of tolerance values ​​demands a reform of humanistic and accountable political ethics through reflective moral-political education, improvements to the DPR-RI's ethical institutions, and strengthening social control of civil society to uphold a civilized, egalitarian political culture that is in line with the principles of Pancasila.
The Effectiveness of Elsa Speak Application in Teaching English Pronunciation Dwi Saputra, Bunaken; Harmilawati; Sabaruddin
JLE: Journal of Literate of English Education Study Program Vol 6 No 2 (2025): Volume 6 Number 2 December 2025
Publisher : Universitas Islam Ahmad Dahlan (UIAD)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47435/jle.v6i2.4200

Abstract

The findings of this study indicate that the ELSA Speak application is effective in improving the pronunciation ability of eighth-grade students at SMPN 7 Sinjai. This is evidenced by the results of the paired-sample t-test, which show a significance level of 0.000, lower than the significance threshold of 0.05; therefore, the null hypothesis (H₀) is rejected and the alternative hypothesis (H₁) is accepted. Accordingly, it can be concluded that the use of the ELSA Speak application has a significant positive effect on students’ pronunciation improvement. Furthermore, the N-Gain analysis reveals a score of 0.72 or 72%, which falls into the high effectiveness category. Descriptive statistical analysis also demonstrates an increase in students’ mean scores from the pretest to the posttest, indicating a significant improvement in students’ pronunciation performance after using the application. These findings are further supported by students’ positive responses during the learning process, in which they showed high levels of engagement, enthusiasm, and confidence in pronouncing English words. The ELSA Speak application also facilitates autonomous learning by providing immediate feedback, making pronunciation practice more effective, focused, and sustainable.
KEBIJAKAN EFISIENSI ANGGARAN PENDIDIKAN DALAM AKUNTABILITAS DI UIN SUNAN KALIJAGA YOGYAKARTA (Perspektif Manajemen Keuangan Pendidikan) Eka Maftuhatil Riskiyah; Ach. Hanuji Akbar; Sabaruddin
re-JIEM (Research Journal of Islamic Education Management) Vol. 8 No. 2 (2025)
Publisher : Islamic Education Management Study Program, Tarbiyah and Teacher Training Faculty, State Islamic University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/re-jiem.v8i2.20217

Abstract

This study aims to analyze the educational budget efficiency policy at UIN Sunan Kalijaga Yogyakarta from the perspective of educational financial management, especially its empat on accountability and educational services. The research method used a qualitative approach with data collection through semi-structured in-depth interviews with relevant parties at the institution, non-participatory observation, and documentation studies. The results showed that the implementation of budget efficiency encourages more careful and transparent financial planning, thus improving institutional accountability. However, this policy also poses challenges in the form of a mismatch between budget allocations and the real needs of work units, which has an impact on the effectiveness of program implementation and human resource development. On the other hand, budget constraints trigger innovation in the utilization of digital learning technology, which supports more cost-effective and flexible education services. The benefits of this research are to provide conceptual contributions and evaluative material for higher education administrators in formulating budget efficiency policies that continue to ensure accountability and quality of education.
Pengaruh Perencanaan Pajak, Profitabilitas, dan Kebijakan Dividen dengan Ukuran Perusahaan sebagai Variabel Moderasi Rizky Amelia; Sabaruddin
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 2 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i2.4558

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh perencanaan pajak, profitabilitas, dan kebijakan dividen terhadap nilai perusahaan dengan ukuran perusahaan sebagai variabel moderasi. Objek penelitian adalah perusahaan manufaktur subsektor makanan dan minuman yang terdaftar di Bursa Efek Indonesia periode 2021–2024. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder berupa laporan keuangan tahunan. Teknik analisis data menggunakan regresi data panel dengan model Fixed Effect Model serta Moderated Regression Analysis (MRA). Hasil penelitian menunjukkan bahwa perencanaan pajak berpengaruh signifikan terhadap nilai perusahaan, sedangkan profitabilitas dan kebijakan dividen tidak berpengaruh signifikan. Selain itu, ukuran perusahaan mampu memoderasi hubungan antara perencanaan pajak dan nilai perusahaan, namun tidak mampu memoderasi hubungan profitabilitas dan kebijakan dividen terhadap nilai perusahaan. Penelitian ini diharapkan dapat memberikan kontribusi empiris bagi pengembangan literatur keuangan serta menjadi bahan pertimbangan bagi manajemen dan investor dalam pengambilan keputusan.
Academic competency test-based mathematics learning (ACT-BML): Improving junior high school students’ mathematics achievement Marzuki; Hamdani; Amalia, Rizki; Sabaruddin
Al-Jabar: Jurnal Pendidikan Matematika Vol 17 No 2 (2026): Al-Jabar: Jurnal Pendidikan Matematika
Publisher : Universitas Islam Raden Intan Lampung, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ajpm.v17i2.31268

Abstract

Purpose: This study examined the association between Academic Competency Test-Based Mathematics Learning (ACT-BML) and improvements in junior high school students’ mathematics achievement. The study was motivated by the implementation of Indonesia’s Academic Competency Test (ACT), which requires instructional approaches that align mathematics learning with standardized academic assessment. In addition, empirical evidence regarding the integration of ACT standards into classroom mathematics instruction remains limited. Method: A quantitative approach with a pre-experimental one-group pretest–posttest design was employed. The participants were 180 ninth-grade students from a junior high school in Langsa City, Indonesia, selected through purposive sampling. The research instrument consisted of 30 ACT-oriented mathematics achievement items that demonstrated satisfactory validity and reliability (Cronbach’s Alpha = 0.872). Data were analyzed using descriptive statistics, a paired-samples t-test, normalized gain (N-Gain), and Cohen’s d effect size. Findings: The results indicated substantial improvement in students’ mathematics achievement following the implementation of ACT-BML. The mean score increased from 37.89 on the pretest to 91.04 on the posttest. The paired-samples t-test revealed a statistically significant difference between the two measurements, t(179) = 54.561, p < .001. Furthermore, the mean N-Gain score was 0.8511, indicating a high level of improvement, while Cohen’s d of 4.07 reflected a very large within-group effect. Significance: This study contributes empirical evidence to the emerging literature on integrating Academic Competency Test standards into mathematics instruction. The findings suggest that ACT-BML may serve as a promising assessment-aligned instructional approach for strengthening students’ mathematics achievement and academic readiness. Nevertheless, further studies employing more rigorous experimental designs are required to establish causal effectivenes.
Co-Authors . Kholik Abdul Halim Talli Ach. Hanuji Akbar Agustan Aini, Qurratun Amir, Rahma Melati Amiruddin, Idris Andi Batara Indra Andi Takdir Anisa, Andi Arifatus Solihah Arifin Atmaranie Dewi Purnama Badaruddin Bahrun, St. Rahmaniah Bunga Risa Cut Salsabila Amanda Dahlan, Harris R. Darwis, Rustan Dedi Kurniawan Devid Frastiawan Amir Sup Dina Oktaviana Dwi Saputra, Bunaken Efendi P Eka Maftuhatil Riskiyah Eva Herianti Fahira, Adinda Fajrin Noho Fajrul Ilmy Darussalam Firmansyah Gaus, Abdul Gian Anugerah Pratama Gian Hamdani Haris Kulle, Haris HARMILAWATI Hartati, Diah Vitaloka Harun, Amrullah Haryanto, Wawan Hazrina Hi. Hukum, Hairil Hidayat Batubara, Muizzul Iksan Saifudin Imam Zarkasyi Mubhar Indra Muda Irmayani Ishak, Nurkhasanah Jamaluddin Jamil, T. M. Jusmaniar Jusriani KAREBA, ANDI MUAMMAR Khaerunnisa Kurniati Laeli Qadrianti laman, ilham M. Firza Duana Mahyuzar, Ardiansyah mansur, waizah Maratun Jannah MARIA BINTANG Marlina Marzuki Mastur Melati, Rahma Mu'aidi Mu'minin, Nasrul Muh. Saleh Ridwan Muhaini Muhammad Azis Mujahid, Ayinun Mustafa, Zulhas' ari Muzaroddin, Ihrof Mu’tamirudin Nurhayati Nurmala, Eka Pujiati, Shiva Qalbi, Dailla R., Sulastriani Rahmah Fitriana Ratnawati TD, Ulpah Halim Reni Puspita Sari Restu Ramadhan, Andi Risa, Bunga Rismayani Rizki Amalia Rizky Amelia samsul arifin Sari, Mardiana Sarwani Septemberizal Siregar, Muhammad Sapril St. Rahmaniah Bahrun Sulhendri sultan Syam, Iqbal Umar bin Abd Aziz Umar Laila Utari, Agni Wahyudi, Feri Eko Zaiyar, M.