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All Journal JURNAL DINAMIKA EKONOMI PEMBANGUNAN Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal al-Ulum : Jurnal Pemikiran dan penelitian ke-Islaman Iqtishoduna: Jurnal Ekonomi Islam Reflektika INTERACTION: Jurnal Pendidikan Bahasa JES (Jurnal Ekonomi Syariah Jurnal Ilmu Perbankan dan Keuangan Syariah Assyarikah : Journal of Islamic Economic Business JoEMS : Journal of Education and Management Studies Jurnal Ekonomika dan Bisnis Islam Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen JAKBS Gudang Jurnal Multidisiplin Ilmu Jurnal Sosial Dan Pengabdian Kepada Masyarakat Assyarikah: Journal Of Islamic Economic Business REFORM : JURNAL PENDIDIKAN, SOSIAL DAN BUDAYA Jurnal Perbankan Syariah Journal of Islamic economics Perspectives (JIEP) ABDINA: Jurnal Sosial Dan Pengabdian Kepada Masyarakat Jurnal Ekonomi, Bisnis dan Manajemen Values: Jurnal Kajian Islam Multidisiplin INTERACTION: Jurnal Pendidikan Bahasa Jurnal Kajian Budaya & Media Reflektika
Rafiqi, Iqbal
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Bisakah Bank Muamalat Indonesia Menghindari Kesulitan Keuangan? Sebuah Investigasi Teori Model Springate Rafiqi, Iqbal; Afifah Nadhirah; Faizah, Maftuhatul
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p153-171

Abstract

Previous studies on financial distress in Islamic banking have tended to use broad samples. In contrast, this research specifically analyses the potential for financial distress at Bank Muamalat Indonesia, a leading Islamic bank which has recently undergone restructuring. The main objective is to examine how four financial ratios — Return on Assets (ROA), Return on Equity (ROE), Operational Costs to Operating Income (BOPO) and Financing to Deposit Ratio (FDR) influence the bank's financial distress. Additionally, the Springate Model is applied to predict the bank's financial distress during the period from 2016 to 2022, providing dual validation for the findings. A descriptive quantitative methodology was employed, with data sourced from Bank Muamalat Indonesia's quarterly financial statements. Multiple regression analysis indicates that the four financial ratios have no significant effect on financial distress, either partially or simultaneously (p-value > 0.05). Furthermore, analysis using the Springate Model is consistent with these findings. During the observation period, Bank Muamalat Indonesia's S-score consistently remained above 0.862, indicating healthy and stable financial conditions and suggesting that the bank is not predicted to experience financial distress
Analisis Kesehatan Bank pada Unit Usaha Syariah (UUS) di Masa Pandemi Covid-19 dengan Menggunakan Metode RGEC Iqbal Rafiqi; Siti Halimah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22271

Abstract

Abstrak This study aims to determine the soundness of sharia business units (UUS) registered with the Islamic Financial Services Authority for 2019-2021 using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital). This research method used in research is descriptive quantitative method. The results of this study using the RGEC method resulted in an Assessment of Bank Soundness in Indonesian Sharia Business Units (UUS) for 2019-2021 in terms of the Risk Profile factor with an average NPL yielding a value of 3.00% indicating that the bank is in good health, while the average LDR value produces 96,03% which indicates that the bank is in a fairly Enought healthy condition, Good Corporate Governance from the self-assessment results, namely obtaining an average of 2, which indicates the bank is in good health, Earning an average ROA produces a value of 1.17% indicating that the bank is in Enought healthy condition, with an average ROE value of 8,58% indicating that the bank is in an unhealthy state, and with an average BOPO yielding a value of 65,57% indicating that the bank is in very good health and Capital with an average CAR yields a value of 23,96% which indicates that the bank is in very good health.
The Study of Gesture in Mind Your Language Movie Based on George Yule Perspective Faizah, Maftuhatul; Mustofa, Mutmainnah; Ghafur, Abd; Nurhasanah, Nurhasanah; Rafiqi, Iqbal
INTERACTION: Jurnal Pendidikan Bahasa Vol. 8 No. 1 (2021): INTERACTION: Jurnal Pendidikan Bahasa
Publisher : Program Studi Pendidikan Bahasa Inggris, Universitas Pendidikan Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research examined the use of gesture on Mind Your Language movie season 1-5 perspective George Yule perspective. Mind Your Language movie is about condition of school or class that students from different country such as Italy, Germany, Greece, Spain, France, China, Japan, India and Pakistan. The objectives are to know the gesture used and how the gesture used on Mind Your Language movie based on George Yule perspective. The researcher used documentation to collect the data. During the process of research process, researchers here should see and hear repeatedly from “The Mind Your Language Movie”, then researchers showing the picture which one is showing the gesture, make every effort to collect and copy data which is related to the research. After that, the researchers finally processed it by using content analysis in a gesture based on George Yule perspective that are three Iconic, Deictic, and Beats. The result of this study is the researcher finds thirty eight gestures based on George Yule perspective that are iconic are twenty, deictic seven, and beats eleven. Each of the three gestures has different language functions ad meaning. Gestures on this movie used by teacher and students both in the classroom or outside the classroom.
Strategi Marketing Mix Pembiayaan Kpr Syariah Dalam Mewujudkan Rumah Impian Nasabah Pada Bprs Bhakti Sumekar Sumenep Iqbal Rafiqi; Fatimatuz Zahroh
Gudang Jurnal Multidisiplin Ilmu Vol. 2 No. 11 (2024): GJMI - NOVEMBER
Publisher : PT. Gudang Pustaka Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/gjmi.v2i11.1094

Abstract

Setiap orang pasti ingin memiliki rumah impian yang mereka harapkan, di BPRS telah menyediakan pembiayaan KPR Syariah yang bisa membantu masyarakat untuk mewujudkan impian mereka. Marketing dalam BPRS untuk menarik masyarakat itu sangat bagus karena BPRS ini membijakkan sosialisasi biasanya ke lembaga-lembaga untuk mendapatkan nasabah. Pembiayaan KPR Syariah ini terdapat dua bagian, diantaranya UMUM dan PNS, UMUM biasanya 10 tahun dan PNS 15 tahun. Pendekatan dalam penelitian ini menggunakan pendekatan kualitatif, yaitu penelitian yang dilakukan secara alami dan berdasarkan pada realita yang ada. Dimana prosedur pengumpulan data menggunakan teknik wawancara, observasi, dokumentasi. Dimana lokasi tersebut berada didaerah Sumenep tepatnya di Jl. Jokotole, Arekade, Batuan, Kebupaten Sumenep. Sabjek penelitian ini diambil dari karyawan bank BPRS Bhakti Sumekar Sumenep. Teknik analisis data dilakukan dengan cara reduksi data, penyajian data, dan kesimpulan. Untuk pengecekan keabsahan data, peneliti mengguanakan triangulasi sumber. Hasil penelitian menunjukkan bahwa implementasi strategi marketing mix yang dilakukan BPRS yaitu menggunakan 4P: produk, harga, promosi dan tempat. Produk perumahan batu permata sumekar menggunakan bahan yang berkualitas dan layak digunakan, harga dimulai dari 250 juta dengan uang muka 0%, promosi menakan brosur, menggunakan plafon, wibsite dan juga telepon. Untuk mengetahui kebenaran perumahan batu permata sumekar adalah aset yang dimiliki BPRS.
STUDENTS’ PERCEPTION AUTHENTIC ASSESSMENT IN EXPLORING EFL READING CLASS Nurhasanah, Nurhasanah; Faizah, Maftuhatul; Mistar, Junaidi; Rafiqi, Iqbal
Reflektika Vol 16, No 1 (2021)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v16i1.569

Abstract

Self-assessment is one of the approaches to evaluate students’ reading skill in English. Through this test, students are permitted to find, know, and increase their reading skill. Reading is a challenging subject for many EFL students. They face various difficulties such as language barriers and lack of exposure to critically analyse the materials. This study aims to identify the students’ responses when they are asked to read in English. Further, a qualitative approach is applied, and data are collected from interview. The result of the study, students gradually respond favourably to the use of authentic assessment. They reveal that authentic assessment (1) motivates them to develop a reading routine so that they can learn more vocabulary and become more comfortable with English discourse, (2) aims to train them to exemplify their reading comprehension in more constructively such as writing reviews, presentations, and discussions, and (3) assists them in evaluating their own reading performance. In conclusion, most students admit that authentic assessment aids them in enjoying reading through a series of social practices, in this case, the use of authentic assessment components such as portfolios, performance assessment, and self-assessment.
INVESTIGATING EFL STUDENTS’ PERCEPTION IN READING COMPREHENSION THROUGH GOOGLE CLASSROOM Faizah, Maftuhatul; Mustofa, Mutmainnah; Hasanah, Nur; Dzulfikri, Dzulfikri; Rafiqi, Iqbal
Reflektika Vol 16, No 2 (2021)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v16i2.531

Abstract

One of the most crucial language skills for students to achieve is reading. Through their participation in this activity, students can improve their language skills and get experience. Using Google Classroom, this study attempted to examine EFL students' perceptions of reading comprehension. Because TBI (English Teaching Department) IAIN Madura is one of the universities that conducts online learning, it was chosen as the study's subject. This study used a sample of 26 students. Purposive sampling was used as a sample technique in this study. The results indicate that the students submitted useful and good responses. The results show that no student answered strongly disagree (SD), 3 students chose to disagree (11,5%), 16 students chose to agree (75%), and 6 students chose to strongly agree (23%). Google Classroom, it can be concluded, is a solution for online learning classes. As a result, Google Classroom can be used to collect student assignments and, more importantly, to help students improve their reading comprehension. Furthermore, if this application is effective, successful, and also assists students in assisting in e-learning, particularly in receiving feedback after completing the work assigned by the lecturer, it can be used in conjunction with Google Classroom as an e-learning solution for COVID-19.
Pengelolaan ZIS Berbasis Komunitas untuk Mengurangi Ketimpangan Sosial: Studi Kasus Kamrat Kifaya di Pedesaan Madura Rafiqi, Iqbal
Assyarikah: Journal of Islamic Economic Business Vol 6, No 2 (2025): Assyarikah: Journal Of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v6i2.2418

Abstract

Social inequality and poverty remain persistent issues in Indonesia, with over 25.89 million people affected. While formal zakat institutions are widely recognized, this study explores the Kamrat Kifayah, a grassroots, community-driven initiative in Larangan Luar Pamekasan Madura, that has operated since the 1970s without formal legal status. Rooted in social capital and Islamic values, Kamrat Kifaya organizes regular religious gatherings (e.g., Yasin recitations and tahlil) and collects Zakat, Infaq, and Sadaqah (ZIS) to support bereaved families. Using a qualitative case study approach, this research collected data through interviews with Kamrat leaders and members, as well as field observations and documentation analysis. The findings reveal Kamrat Kifaya’s significant contribution to social solidarity and informal safety nets. The SWOT analysis shows strengths in longevity and trust, with social acceptance across diverse groups; weaknesses in limited ZIS allocation (primarily for death-related needs); opportunities in fund diversification for small businesses; and threats in conventional management methods. This study highlights the potential of integrating local wisdom-based ZIS models with broader Islamic economic frameworks. It contributes to the discourse on community-based philanthropy and offers a practical alternative for inclusive ZIS empowerment in rural Muslim societies.
The Development of Arrum Haji Products at Pegadaian Syariah: Empirical Evidence from The Sumenep Branch Office Rafiqi, Iqbal; Kharida, Qanita Aulia; Faizah, Maftuhatul; Sholeh, Moh. Jufriyadi; Yaqin, Muhammad Nurul
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 6, No 2 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Universitas Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i2.2468

Abstract

This study aims to evaluate the business development and growth trajectory of the Arrum Haji product at the Pegadaian Syariah Sumenep Branch Office. Employing a qualitative research design, data were gathered through comprehensive observation, in-depth interviews, and meticulous documentation. The analytical framework involved data reduction, data display, and conclusion drawing, with methodological triangulation utilized to ensure data validity. The findings reveal a consistent upward trend in the overall performance of the Sumenep Branch from 2019 to 2023. Specifically, the customer base expanded from 46,633 to 48,092, while the annual turnover surged from IDR 523,037,920,000 to IDR 595,126,415,270, representing a significant 115% growth. Regarding the Arrum Haji product, the branch successfully acquired 50 customers during the same period. Despite the steady progress, the penetration rate for Arrum Haji remains relatively modest. This limited adoption is primarily attributed to the product’s nascent stage in the market. This research provides strategic insights into the early-stage adoption of Sharia-compliant pilgrimage financing within the pawnshop industry.
DISTINGSING BID’AH DAN BUDAYA LOKAL DALAM PERSPEKTIF AL-QUR’AN DAN AL-SUNNAH Sholeh, Moh. Jufriyadi; Yaqin, Muhammad Nurul; Rafiqi, Iqbal
Reflektika Vol 20, No 2 (2025)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v20i2.2399

Abstract

This journal article discusses the distinction between bid'ah (innovation) and local culture from the perspective of the Qur'an and Sunnah. This study was motivated by the interaction between Islam and various local cultures, which often raises questions about their compatibility with Islamic teachings, where there are concerns that local traditions may obscure the purity of the teachings. The method used is qualitative with a thematic (maudhu'i) analysis approach to verses of the Qur'an and Hadith, as well as a literature study of the views of scholars. This study finds that bid'ah, which is essentially an innovation in worship that has no shar'i basis, is firmly rejected based on the principle of the perfection of Islam. Meanwhile, local culture ('urf) can be accommodated as long as it does not conflict with the principles of tawhid, sharia values, and qath'i arguments, and contains benefits. The distinction between bid'ah and tradition is not just a matter of terminology, but concerns a way of religious thinking that determines whether the ummah will be inclusive or exclusive towards social reality. By examining the arguments from the Qur'an and Hadith and understanding maq??id al-syar?‘ah, it appears that cultural innovations can be accepted in Islam if they fulfill the conditions of maslahat and do not violate sharia.
Reinventing Pesantren Economies: Islamic Social Entrepreneurship as a Model for Sustainable Community Transformation Argantara, Zaid Raya; Haryono, Slamet; Wardi, Moh.; Rahman, Holilur; Rafiqi, Iqbal; Puad, Noor Aimi Mohamad
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 15 No. 1 (2026): April (on progress)
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v15i1.3012

Abstract

This study examines the role of Islamic social entrepreneurship in reinventing pesantren-based economies as a sustainable model for community transformation within the broader discourse of inclusive and ethical development. Employing a qualitative descriptive-analytical approach, data were collected through in-depth interviews, participant observation, and documentation at Pondok Pesantren Al-Amien Prenduan, Indonesia. The findings demonstrate that the implementation of Islamic social entrepreneurship through the Micro Waqf Bank (BWM) Al-Pend Barokah Mandiri significantly contributes to economic empowerment among productive low-income communities. Beyond local impact, this pesantren-based model addresses global challenges related to financial inclusion, social inequality, and sustainable development by embedding Islamic ethical values within entrepreneurial practices. The study contributes to the literature by conceptualizing pesantren not merely as religious institutions but as transformative socio-economic actors capable of driving inclusive growth. This research proposes pesantren-based Islamic social entrepreneurship as a viable alternative framework for sustainable community transformation in emerging Muslim economies.
Co-Authors Abd Wahid Abd. Ghofur Achmad Jufri Achmad Jufri Afifah Nadhirah Alfan Zuhairi Alfian Rihtuzahrah Ali Arifin Aliyatul Hasanah Annisa Annisa Annisa Annisa Dzulfikri Dzulfikri Dzulfikri, Dzulfikri Faizah, Maftuhatul Farhan Hamim Fatati Nuryana Fatimatuz Zahroh Fauli Majdi, Zulha Ghafur, Abd Hidayat, Moh. Helmi Holilur Rahman Ilahi, Wardatun Thoyyibah Nikmah Imam Buchari, Imam Jazuli, M Naufal Jufri, Achmad Kharida, Qanita Aulia Kholifatul Hasanah Miftahul Ulum Moh. Helmi Hidayat Moh. Jufriyadi‬ Sholeh‬‬ Moh. Wardi Muhammad Ghafur Wibowo Mujibno, Mujibno Munawarotul Chamilia Munawarotul Chamilia Mustofa, Mutmainnah Nabilatul Fitriyah Nadhirah, Afifah Nisa, Annisa Nor Lailina Ulfa Nur Hasanah Nur Hasanah Nur Hidayah Selviyanti Nurhasanah Nurhasanah Nurhasanah Nurhasanah Nurhasanah Nurhasanah Puad, Noor Aimi Mohamad Sakur Sakur Sandi Mulyadi Siti Halimah Slamet Haryono Sri Kania Dewi Yana Supriyadi TATI NURHAYATI Turmidi, Turmidi Yaqin, Muhammad Nurul Zaid Raya Argantara Zainal Abidin Zulha Fauli Majdi