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Nexus of Finacial Inclusion and Human Development as an Important Role in Economic Growth: Evidence from ASEAN Countries Zainuri; Agus Mahardiyanto; M. Saleh; M. Fahorrazi; Tyas Arthasari; Naziaa Adeel
International Journal of Islamic Business and Economics (IJIBEC) Vol 7 No 1 (2023): Volume 7 Nomor 1 Tahun 2023
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v7i1.6921

Abstract

Financial inclusion is one of the financial indicators that play a role in providing access to financial products to the public, the high level of equitable access to finance in the community can be an essential milestone in reviving the economic cycle and being a threat to the financial system. Implementing a country's financial inclusion will be successful if it is balanced with an adequate quality of society because special knowledge is needed in choosing access to financial services. The financial inclusion and human development nexus is expected to assist the government in implementing sustainable economic development. This study aims to analyze the relationship between the financial inclusion index and HDI, the financial inclusion index and HDI nexus with GDP, and the financial stability problem in developing ASEAN countries is still motivated by the high level of banking NPLs. This study uses panel data with the Generalized Method of Moment as an analytical method. The selection of the vulnerable research year is motivated by the phenomenon of the financial crisis, Brexit to Covid-19.
Perbandingan Metode International Roughness Index (IRI) dan Surface Distress Index (SDI) Terhadap Kerusakan Jalan (Studi Kasus: Sp. Panam – Sp. Air Hitam Pekanbaru) Aldo, Aldo Dwi Jefril; Zainuri; Rahmat, Hendri
SAINSTEK Vol. 13 No. 1 (2025)
Publisher : Sekolah Tinggi Teknologi Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35583/js.v13i1.264

Abstract

Ruas jalan Sp. Panam - Sp. Air Hitam (Pekanbaru) merupakan jalan Arteri Primer dengan panjang ruas 3,50 km dan lebar 7 m yang merupakan jalan Nasional dengan jenis perkerasan lentur. Fenomena kerusakan yang terjadi pada ruas jalan Sp. Panam - Sp. Air Hitam adalah kerusakan seperti retak, berlubang, dan bergelombang akibat dilalui oleh truk atau kendaraan berat yang melebihi kapasitas (overload) dimana kelebihan muatan dilarang. Penelitian ini bertujuan untuk mengetahui kondisi jalan dan jenis penanganan kerusakan jalan dengan menggunakan metode International Roughness Index (IRI) dengan alat ROMDAS Laser Profilometer dan metode Surface Distress Index (SDI) dengan cara visual. Hasil kondisi jalan yang didapatkan berdasarkan metode IRI adalah kondisi baik sebesar 91%, kondisi sedang sebesar 6%, kondisi rusak ringan sebesar 3%, dan kondisi berat 0% sedangkan metode SDI adalah kondisi baik sebesar 86%, kondisi sedang sebesar 11%, kondisi rusak ringan sebesar 3% dan kondisi berat 0%. Penanganan yang didapatkan berdasarkan kombinasi kondisi dari metode IRI dan SDI adalah kondisi baik dengan jenis penanganan pemeliharaan rutin, kondisi sedang dengan pemeliharaan rutin, dan kondisi rusak ringan dengan jenis penanganan berkala. Peneliti menyarankan agar melakukan penelitian serupa dengan metode yang berbeda.
ANALYSIS OF INTERNAL FACTORS ON THE STABILITY OF THE SHARIA BANKING SYSTEM IN INDONESIA Vadilla, Putri; Zainuri
Airlangga International Journal of Islamic Economics and Finance Vol. 8 No. 01 (2025): JANUARY-JUNE 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v8i01.68532

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh rasio pembiayaan bermasalah atau biasa disebut NPF dan rasio pembiayaan terhadap dana pihak ketiga yang diterima perbankan atau biasa disebut FDR terhadap stabilitas perbankan syariah di Indonesia. Metode analisis yang digunakan adalah analisis regresi data panel dengan menggunakan STATA 15 dan Aggregate Financial Stability Index sebagai proksi stabilitas. Hasil penelitian menunjukkan bahwa rasio pembiayaan bermasalah memiliki pengaruh negatif dan signifikan terhadap stabilitas perbankan syariah di Indonesia. Sementara itu, rasio pembiayaan terhadap dana pihak ketiga yang diterima perbankan tidak memiliki pengaruh terhadap stabilitas perbankan syariah di Indonesia .
SWOT Analysis of Cafe Di.Kayu Wangi in the Context of Tourism Village Lukitawati, Berliana; Zainuri; Irsyadi, M.Tegar
Journal of Scientific Research, Education, and Technology (JSRET) Vol. 4 No. 3 (2025): Vol. 4 No. 3 2025
Publisher : Kirana Publisher (KNPub)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58526/jsret.v4i3.870

Abstract

The culinary business is a promising one because food is a top priority in fulfilling basic human needs. However, it cannot be denied that the food business also has weaknesses and threats. This study aims to determine the marketing communication strategy of this restaurant in the context of a tourist village using a SWOT analysis. The growth of tourist villages in Indonesia shows an increasing trend, along with development based on local wisdom. This condition has encouraged the emergence of various Micro, Small, and Medium Enterprises (MSMEs), particularly in the culinary sector as a tourist attraction. However, this trend also presents challenges in the form of increasingly fierce competition between cafes. Café di. Kayuwangi as one of the culinary MSMEs in the ecotourism village area in Banyu Biru, Central Java, needs to have the right marketing communication strategy in order to survive and grow. The research method uses a quantitative descriptive approach, through observation, interviews, documentation, and questionnaires. The results of the study show that Café di.Kayuwangi is positioned in quadrant 1 (effective/progressive strategy), cell II in the IE Matrix, namely the Grow and Build category. Through the TOWS Matrix, four alternative marketing communication strategies were obtained: (1) an aggressive strategy with tourism and culinary integration, (2) a turn around strategy through digital branding and menu innovation, (3) a diversification strategy by strengthening local facilities and partnerships, and (4) a defensive strategy with service diversification and environmental risk management, while anticipating weaknesses and threats of competition.
Pelatihan Rancangan Campuran (Mix Design) Beton Kepada Penyedia Jasa Konstruksi di Pekanbaru Megasari, Shanti Wahyuni; Rahmat, Hendri; Yanti, Gusneli; Zainuri
FLEKSIBEL: Jurnal Pengabdian Masyarakat Vol. 1 No. 2 (2020): Edisi Oktober 2020
Publisher : Fakultas Teknik Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/5dygg005

Abstract

Tujuan dari pengabdian ini untuk meningkatkan pengetahuan dan keterampilan penyedia jasa konstruksi yang ada di kota Pekanbaru dalam perancangan campuran (mix design) beton sesuai dengan Standar Nasional Indonesia (SNI). Metode pelaksanaan berupa ceramah, diskusi dan praktek labortorium. Pengabdian ini melibatkan 5 (lima) perusahaan penyedia jasa konstruksi dengan total jumlah peserta sebanyak 15 (lima belas) orang. Hasil pelaksanaan pelatihan telah memberikan tambahan pengetahuan dan kemampuan peserta (penyedia jasa konstruksi) dalam pembuatan rancangan campuran (mix design) beton sesuai dengan SNI. Dari hasil evaluasi pre-test diperoleh rata-rata nilai sebesar 36,8. Sedangkan setelah dilaksanakan pelatihan, diperoleh nilai post-test rata-rata sebesar 76,0. Dengan nilai tersebut dapat dikatakan bahwa dengan diberikan pelatihan dapat meningkatkan pengetahuan dan pemahaman peserta pelatihan terhadap materi yang diberikan dengan baik. Dari hasil post-test diperoleh 12 (dua belas) orang memiliki nilai 70 (tujuh puluh) dan 3 (tiga) orang berada di bawah nilai 70 (tujuh puluh) sehingga instruktur dapat dinyatakan berhasil menuntun peserta pelatihan dalam mengasah keterampilan dalan pembuatan rancangan campuran beton.
COMPARATIVE ANALYSIS OF BILL OF QUANTITY STRUCTURE GEDUNG LAYANAN TERPADU RSUD BANGKINANG CITY USING CONVENTIONAL METHOD AND TEKLA STRUCTURE APPLICATION Bayu Baskoro; Zainuri; Shanti Wahyuni Megasari
Logic : Jurnal Rancang Bangun dan Teknologi Vol. 24 No. 2 (2024): July
Publisher : Unit Publikasi Ilmiah, P3M, Politeknik Negeri Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31940/logic.v24i2.69-78

Abstract

In accordance with PUPR Ministerial Regulation No. 22 of 2018, the use of Building Information Modeling (BIM) must be applied to non simple state buildings with criteria for a building area of more than 2000 m2 and more than 2 floors. Gedung Layanan Terpadu RSUD Kota Bangkinang has an area of 5,040 m2 and has 4 floors but the calculations still use conventional methods. The aim of this study was to analyze the comparison of the bill of quantity (BOQ) of the Gedung Layanan Terpadu RSUD Bangkinang City using conventional methods and the Tekla Structure application. The integrated services building consists of 4 floors, starting from the basement floor, 1st floor, 2nd floor, 3rd floor and roof floor. The research method used was to carry out manual calculations using Microsoft Excel based on the working plans and modeling the building structure using the Tekla Structure application. From the results of the study it can be concluded that the volume of concrete using the conventional method was 3,193.5 m3 while the calculation using the Tekla Structure application was obtained 3,175.5 m3 where there was a difference of 18 m3 or in a percentage of 0,56 % less than the conventional method. For iron volume, there is a difference in iron volume of 2,687.23 kg or 0,45 % less using the Tekla Structure application compared to conventional methods. The conclusion from this study is that the calculation of the bill of quantity using the conventional method is greater than using the Tekla Structure application.
Analysing The Impact of Halal Certification for the Development of Micro, Small, and Medium Enterprises' Competitiveness in Besuki Raya, Indonesia Fathorrazi, Moehammad; Mahardiyanto, Agus; Hardinawati, Lusiana Ulfa; Zainuri; Suparman; Munir, Akhmad; Priyono, Agus; Shaleh, Moh
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October (On Progress)
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.3663

Abstract

This research attempts to analyze the impacts experienced by Micro, Small, and Medium Enterprises' (MSMEs) Competitiveness after obtaining Halal certification. The study focused on MSMEs in the Food and Beverage sector using a qualitative exploratory approach. This research was conducted using a qualitative descriptive approach and using a purposive sampling method. One respondent was selected from each district to ensure that all districts within the study area were represented. The rationale for this approach was to secure minimal but sufficient representation from every district under investigation. The analysis results show that halal certification contributes not only to business growth but also to the advancement of Islamic economic values by embedding halalan tayyiban principles into the supply chain, promoting transparency, and reinforcing consumer rights in predominantly Muslim markets. The study further highlights that Halal certification contributes to advancing of Islamic economic values by embedding the principles of halalan tayyiban into production and distribution processes, promoting business transparency, and reinforcing consumer rights in predominantly Muslim communities. Therefore, Halal certification serves not only as a religious or legal obligation but also as a strategic instrument for sustainable growth and empowerment of MSMEs in regional economic development.
Stabilisasi Tanah Lempung dengan Limbah Beton Terhadap Nilai Kuat Geser Maijuanda, Shinta; Zainuri; Soehardi, Fitridawati
Inersia: Jurnal Teknik Sipil Vol. 17 No. 2 (2025)
Publisher : Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/ijts.17.2.52-58

Abstract

Stabilitas tanah merupakan salah satu faktor krusial dalam rekayasa geoteknik, karena berhubungan langsung dengan keamanan dan daya dukung struktur yang dibangun di atasnya. Penggunaan limbah beton sebagai bahan tambahan dalam perbaikan sifat tanah dapat menjadi solusi yang efektif. Tujuan dari penelitian ini adalah Menganalisis nilai kuat geser pada stabilisasi tanah lempung menggunakan limbah beton serta mengetahui berapa besarnya kadar limbah beton optimum pada campuran material dari variasi 5%, 10%, 15%, dan 20% terhadap parameter kuat geser. Metode penelitian menggunakan standar SNI 3420:2016 untuk eksperimental di laboratorium berdasarkan. Hasil penelitian menunjukan bahwa terjadi peningkatan nilai sudut geser dan kohesi pada seluruh variasi 5%, 10%, 15%, dan 20% serbuk limbah beton disbanding dengan sudut geser dan kohesi pada tanah asli. Nilai tertinggi sudut geser dan kohesi tertinggi terjadi pada variasi 20% serbuk limbah beton dengan menghasilkan nilai kohesi sebesar 0,6114 kg/cm² sedangkan tanah asli sebesar 0,4319 kg/cm² dan nilai sudut geser maksimum variasi 20% serbuk limbah beton sebesar 41,12° sedangkan nilai sudut geser tanah asli sebesar 22,54°. Kesimpulan penelitian adalah variasi serbuk limbah beton dapat dipergunakan untuk menstabilisasi tanah lempung karena mampu meningkatkan nilai kohesi dan sudut geser.
Improving Performance Through Strengthening Discipline and Leadership Role Zainuri
Indonesian Journal of Society Development Vol. 2 No. 6 (2023): December 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijsd.v2i6.7727

Abstract

This research aims to determine performance through strengthening discipline and the role of performance leadership at KSN (National Gymnastics Community) Durentiga sub-district, Pancoran sub-district, South Jakarta. The research method uses a quantitative approach, primary data, secondary data on personnel, data using a number of KSN members as many as 17 people. The data collection mechanism is by interview, questionnaire instrument. The survey instrument was delivered to KSN members. Data analysis using the SPSS model to test the significance of leadership and work discipline influencing performance. The research results show that leadership and work discipline have a significant positive effect on a person's performance, both partially and simultaneously. Leadership is the most important factor influencing employee performance. In an organization, leaders must continue to develop a good organizational culture and be in line with work discipline for employees to achieve the best performance
Application of Arabic Conversational Vocabulary Text to Improve Maharah Kalam at SMK Tahfidzul Qur'an: Penerapan Teks Kosa Kata Percakapan Bahasa Arab Untuk Meningkatkan Maharah Kalam di SMK Tahfidzul Qur’an Zainuri; Wahyudi, Imam
Al-Kafaah : Journal of Arabic Language and Linguistics Education (ALLE) Volume 2 No 1 Desember 2023
Publisher : STAI Nurul Huda Kapongan Situbondo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52491/alle.v2i1.107

Abstract

The language of Arabic is a very important language in communicating both locally and internationally. A method is highly recommended to be applied in the development of Arabic language learning, especially Arabic language learning at the madrasah level. This study aims to improve students' vocabulary and conversation skills and this research uses qualitative methods because this research focuses on the implementation of Arabic language learning, namely maharah kalam using conversation methods. The results of learning using the application of vocabulary texts in improving students' maharah kalam, and students who are very capable of reaching 30% and who are able to reach 57% and who are less capable 13% and these results are known from the research process of student conversation results using Arabic. So that it can be concluded that the learning results of the application of this conversational vocabulary text can improve students' maharah kalam