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All Journal Pendas : Jurnah Ilmiah Pendidikan Dasar Kinestetik : Jurnal Ilmiah Pendidikan Jasmani JURNAL PENDIDIKAN TAMBUSAI Al-Kharaj: Journal of Islamic Economic and Business Mazahibuna: Jurnal Perbandingan Mazhab SPORT GYMNASTICS: Jurnal Ilmiah Pendidikan Jasmani Ekasakti Jurnal Penelitian dan Pengabdian (EJPP) Indonesian Journal of Physical Education and Sport Science (IJPESS) Journal of Fish Health Jurnal Adijaya Multidisiplin JPLED Jurnal Ekonomi dan Bisnis Jurnal Pengabdian Masyarakat dan Riset Pendidikan MERDEKA: Jurnal Ilmiah Multidisiplin Al-Iqtishad Jurnal Alat Berat International Journal of Management, Economic and Accounting Islamic Financial And Accounting Review Aksi Kita: Jurnal Pengabdian Kepada Masyarakat Parewa Saraq: Journal of Islamic Law and Fatwa Review Jurnal Ekonomi dan Manajemen (JEMBATAN) Jurnal Ilmu Sosial, Ekonomi, dan Pendidikan
Arwin
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Library & Information Science Mathematics Mechanical Engineering Nursing Public Health Social Sciences Other

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PENGARUH PELAYANAN DAN PROMOSI TERHADAP KEPUTUSAN NASABAH MEMILIH JASA KOPERASI KONSUMEN MITRA MANINDO Futri, Indah; Arwin; Tentiyo Suharto; Yoni Hendrawan
AL-IQTISHAD : Jurnal Perbankan Syariah dan Ekonomi Islam Vol. 3 No. 2 (2025): AL-IQTISHAD : Jurnal Perbankan Syariah dan Ekonomi Islam
Publisher : Program Studi Perbankan Syariah, Sekolah Tinggi Agama Islam Negeri (STAIN) Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/7cwtg053

Abstract

Tujuan Penelitian ini untuk mengukur seberapa besar pengaruh pelayanan dan promosi terhadap keputusan nasabah memilih jasa koperasi konsumen mitra manindo. Jenis penelitian ini adalah analisis kuantitatif, populasi dalam penelitian ini seluruh nasabah koperasi konsumen mitra manindo sebanyak 338 nasabah dengan sample menggunakan rumus random sampling. Hasil analisis regresi menunjukkan bahwa pelayanan berpengaruh positif dan signifikan terhadap keputusan nasabah dengan nilai koefisien 0,296 dan signifikansi 0,012, sedangkan promosi juga berpengaruh positif dan signifikan dengan koefisien 0,208 dan signifikansi 0,005. Uji simultan (Uji F) menunjukkan bahwa secara bersama-sama kedua variabel bebas berpengaruh signifikan terhadap variabel terikat dengan nilai Fhitung = 7,715 > Ftabel = 2,77, dan signifikansi 0,001. Namun, nilai koefisien determinasi (R Square) hanya sebesar 0,171, yang berarti hanya 17,1% variasi keputusan nasabah dapat dijelaskan oleh variabel pelayanan dan promosi, sedangkan sisanya yaitu 82,9% dipengaruhi oleh faktor lain yang tidak diteliti dalam penelitian ini.
How Islamic Lifestyle Affects Housewives' Responses to Product Availability, Service Quality, and Promotions in the Use of the Alfagift Application in Parepare City Mahmud, Reski; Arwin; Umaima; Multazam Mansyur Addury
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9449

Abstract

This study aims to analyze the effect of product availability, service quality, and promotion on the purchasing decisions of Alfagift app users in Parepare City with Islamic lifestyle as a moderating variable. The study uses a quantitative approach with a survey method on 125 housewives selected through purposive sampling. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) through SmartPLS. The outer model test results showed that all indicators met the validity and reliability criteria with factor loading values > 0.70, AVE > 0.50, and Composite Reliability > 0.70. The inner model test produced an R² value of 0.780, indicating the model's strong explanatory power. The hypothesis test results prove that product availability (β = 0.515), service quality (β = 0.383), and promotion (β = 0.445) have a positive and significant effect on purchasing decisions. In addition, Islamic lifestyle has a significant effect and is able to positively moderate the influence of these three variables on purchasing decisions, thereby strengthening the role of religious values in digital consumption behavior.
Re-evaluating Islamic Banking Fatwas in Indonesia: Governance, Legal Certainty, and Global Harmonization in Contemporary Sharia Finance Amiruddin, Muhammad Majdy; Hidayati, Ulfa; Rasyid, Nur Fitriani; Arwin; Faradiba, Besse
Parewa Saraq: Journal of Islamic Law and Fatwa Review Vol. 5 No. 1 (2026): Parewa Saraq: Journal of Islamic Law and Fatwa Review
Publisher : MUI Sulawesi Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64016/parewasaraq.v5i1.75

Abstract

The rapid expansion of Islamic finance has intensified scrutiny of how religious authority is institutionalized within modern regulatory systems, particularly in Indonesia where fatwas issued by the Dewan Syariah Nasional – Majelis Ulama Indonesia (National Sharia Board - Indonesian Council of Ulama) become binding only after incorporation into regulations issued by the Otoritas Jasa Keuangan (OJK) or Financial Services Authority. This study aims to re-evaluate Indonesia’s Islamic banking fatwa framework by examining its institutional translation mechanisms, degree of alignment with international standards issued by the Accounting and Auditing Organization for Islamic Financial Institutions and the Islamic Financial Services Board, and its impact on substantive maqasid realization. Using a qualitative institutional-regulatory design, the research analyzes 42 DSN-MUI fatwas, 27 OJK regulations, 18 AAOIFI standards, 12 IFSB standards, and Islamic banking portfolio data from 2015 to 2024. The findings indicate that Indonesia’s hybrid model ensures procedural legal certainty and structured fatwa-to-regulation incorporation but exhibits only partial global harmonization and a persistent dominance of debt-based contracts, reflecting a gap between formal compliance and outcome-based governance. Theoretically, the study introduces the concept of regulatory theology to explain how religious interpretation becomes embedded within the regulatory state, extending norm diffusion theory by incorporating epistemic sovereignty as a mediating variable. Practically, the research recommends stronger institutional independence, clearer codification, measurable maqasid performance indicators, and phased harmonization strategies. The originality of this study lies in reframing Islamic banking fatwa analysis from doctrinal validity toward governance-centered institutional performance grounded in empirical regulatory and portfolio evidence
PENINGKATAN HASIL PEMBELAJARAN IPAS MENGGUNKAN MODEL PROJECT BASED LEARNING DI KELAS V SDN LADANG TENGAH 1 KABUPATEN TAPANULI TENGAH SUMATERA UTARA Sholihah Pasaribu, Wildatun; Mansurdin; Erita, Yeni; Arwin
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 01 (2026): Volume 11 No. 01 Maret 2026 Published
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i01.42274

Abstract

This research is motivated by the low learning outcomes of fifth-grade students in science learning, which is caused by the continued use of lecture-based learning models. This makes learning less effective and causes students to experience boredom during learning activities. This research aims to determine the increase in creativity and learning outcomes of fifth-grade students using the Project-Based Learning (PjBL) model in Science subject matter, specifically the topic “How is the Shape of My Indonesia” at SD Negeri Ladang Tengah 1, Tapanuli Tengah Regency, North Sumatra. The data analysis technique used is interaction with a classroom action research (PTK) approach, which is carried out in two cycles, each cycle consisting of planning, implementation, observation, and reflection stages. Data collection techniques used include tests, non-tests, and observation. The subjects in this study were 118 fifth-grade students, consisting of 58 males and 66 females. The learning outcomes in cycle I increased from an initial score of 76.88 to 77.72 in the first meeting of cycle I, reaching 82.30 in the second meeting of cycle I, and 90. In cycle II, with a completeness level of 91.5, categorized as very practical. In addition, the Project-Based Learning model has also proven effective in improving student learning outcomes in the material “How is the Shape of My Indonesia.” Based on the research results, it can be concluded that the Project-Based Learning model in Science learning in fifth grade of Elementary School is declared valid, practical, and effective for use in the learning process. Keywords: 8Project8Based8Learning (PjBL),8IPAS8School
Co-Authors A. Rio Makkulau Wahyu Adiffa, Achmad Soni Amiruddin, Muhammad Majdy Andika Prabowo Anggina Putri Atri Waldi Aulia Ayu Cintami Azizah, Wafiq Azizatur Rahmah Bella Santika Danial Dhiyaul Haq, M. Daffa Dian Resky Pangestu Dito Aditia Darma Nasution Dwimas, Herdian Eka Anugrah Eko Nopiyanto, Yahya Elli Sulistyaningsih Fadhlan Fachri Faiz, ABD. Karim Fernando, Daffa Futri, Indah Gusman, Rosita Hanifah, Rahmi Hasrun, Khusnul Khatimah Hidayati, Ulfa Ibrahim Indriani Insanistyo, Bayu Ipa Sari Kardi Ismail Marzuki Jemadi Leni Zahara Lina Yuswarni Lubis, Mhd Yusril Aswandi M. Fahri M. Habibi M. Solih Batubara M.M, Besse Faradiba Mahmud, Reski Mansurdin Marali, Aryati Marali, Aryati Muhaymin Masniladevi, Masniladevi Melany Tri Ananda Mhd. Ilham Mohamad Amin Mufti Fahrizal Muhammad Ardiansyah Muhammad Askin Putra Fanela Muhammad Irza Aryasta Muhammad Yusuf Multazam Mansyur Addury Munir, Muh Yusuf Muzdalifah Muhammadun Muzdalifah Muhammadun, Muzdalifah Nita Agustina Novi Faurini Nurainun Nuralam Nurhadijah Paundara, Fajar Permadi, Andes Putra wijaya, Vantrie Raisya Andre Pandoe Ramadhani, Amalia Rasyid, Nur Fitriani Reinita Renny Maisyarah Riza Milianda Kasa Rojikin, Setiyo Rosdelima Rangkuti Sabitah, A'yan Sania Ulpah Sanjaya, Felix Septian Raibowo Sholihah Pasaribu, Wildatun Sofwatun Nabilah Stevany Sugihartono, Tono Sundari Apriliani Sutarno Syafrial Tentiyo Suharto Umaima Umaya, Rahmi Vivi Novita Mayesi Putri Yeni Erita Yesi Anita Yoni Hendrawan Yudi Kurniawan Zulkifli Zulkifli