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All Journal Scripta-English Department Journal Amwaluna Jurnal Ekonomi dan Keuangan Syariah Al-bank: Journal of Islamic Banking and Finance Al-bank: Journal of Islamic Banking and Finance Proceeding International Conference on Education
Janah, Rohmatul
Unknown Affiliation
Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Islamic Financial Inclusion in Islamic Bank: A Study of Supply and Demand in Central Java Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Janah, Rohmatul
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14580

Abstract

This study examines the constraints and strategies for enhancing Islamic financial inclusion in Central Java from the perspectives of supply and demand. Using a qualitative descriptive approach, data were collected through Focus Group Discussions with five Islamic Rural Banks (BPRS) and surveys involving 66 MSMEs. Findings reveal seven supply-side constraints, including limited public and human resource literacy, absence of ATMs, restricted branch networks, limited capital, difficulties in customer segmentation, and inadequate socialization efforts. Meanwhile, six demand-side barriers were identified, such as limited awareness of BPRS, perceived complexity in financing requirements, and concerns over collateral and loan repayments. To address these issues, two strategies are proposed: 1) targeted socialization and education campaigns and 2) enhanced collaboration with community organizations and stakeholders. The study underscores the need for joint efforts by BPRS, MSMEs, and the government to improve infrastructure and accessibility, thereby fostering broader Islamic financial inclusion
Islamic Financial Inclusion in Islamic Bank: A Study of Supply and Demand in Central Java Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Janah, Rohmatul
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14580

Abstract

This study examines the constraints and strategies for enhancing Islamic financial inclusion in Central Java from the perspectives of supply and demand. Using a qualitative descriptive approach, data were collected through Focus Group Discussions with five Islamic Rural Banks (BPRS) and surveys involving 66 MSMEs. Findings reveal seven supply-side constraints, including limited public and human resource literacy, absence of ATMs, restricted branch networks, limited capital, difficulties in customer segmentation, and inadequate socialization efforts. Meanwhile, six demand-side barriers were identified, such as limited awareness of BPRS, perceived complexity in financing requirements, and concerns over collateral and loan repayments. To address these issues, two strategies are proposed: 1) targeted socialization and education campaigns and 2) enhanced collaboration with community organizations and stakeholders. The study underscores the need for joint efforts by BPRS, MSMEs, and the government to improve infrastructure and accessibility, thereby fostering broader Islamic financial inclusion
Strategy of Islamic Rural Banks Improving Financial Performance During the Covid-19 Pandemic Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Janah, Rohmatul
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.8915

Abstract

This study aims to measure the pattern of Islamic Rural Banks strategic management in Central Java during the Covid-19 Pandemic. This study use SWOT Analysis by determining Internal Factor Analysis Summary (IFAS) and External Factor Analysis Summary (EFAS). The sources of this research data were collected through a Focus Group Discussion conducted with the Financial Services Authority, Islamic Rural Banks Practitioners and Academics. The results of the study show that the Islamic Rural Banks considers the Covid-19 pandemic as a challenge with several priority aspects of control. Strategy formulation and implementation are carried out through changes to the Bank's Business Plan. Bank limited the distribution of high-risk financing during the Covid-19 Pandemic. Islamic Rural Banks focuses on the health sector, cooperation and government projects.
Artificial Intelligence (AI) Chatbot in EFL Writing: Exploring Students’ Perspectives Janah, Rohmatul; Tusino, Tusino; Dewi, Puspa
Scripta : English Department Journal Vol. 12 No. 2 (2025)
Publisher : Department of English Language Education, Universitas Muhammadiyah Purworejo, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37729/scripta.v12i2.6811

Abstract

This study aims to investigate students‘ perceptions of the usefulness of AI Chatbot (ChatGPT) in improving writing skills and identifying perceived weaknesses in writing classes. The study employed a qualitative case study method at Muhammadiyah University of Purworejo, using questionnaires and interviews with fourth-semester English education students in the 2024/2025 academic year. The results revealed that students generally had positive perceptions of AI Chatbots in enhancing their writing skills, especially in idea generation, structure organization, and confidence building. Questionnaire data showed high agreement percentages and mean scores, particularly on statements about the value of AI in expressing ideas and improving writing skills. However, interviews uncovered challenges such as generic and shallow responses, inaccurate or fabricated references, over-reliance that reduces critical thinking, informal language styles, and misinterpretation of prompts. These findings highlight both the benefits and limitations of AI Chatbots in academic writing and underline the need for critical AI literacy and human guidance in educational contexts.
Islamic Financial Inclusion in Islamic Bank: A Study of Supply and Demand in Central Java Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Janah, Rohmatul
Al-bank: Journal of Islamic Banking and Finance Vol 5 No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14580

Abstract

This study examines the constraints and strategies for enhancing Islamic financial inclusion in Central Java from the perspectives of supply and demand. Using a qualitative descriptive approach, data were collected through Focus Group Discussions with five Islamic Rural Banks (BPRS) and surveys involving 66 MSMEs. Findings reveal seven supply-side constraints, including limited public and human resource literacy, absence of ATMs, restricted branch networks, limited capital, difficulties in customer segmentation, and inadequate socialization efforts. Meanwhile, six demand-side barriers were identified, such as limited awareness of BPRS, perceived complexity in financing requirements, and concerns over collateral and loan repayments. To address these issues, two strategies are proposed: 1) targeted socialization and education campaigns and 2) enhanced collaboration with community organizations and stakeholders. The study underscores the need for joint efforts by BPRS, MSMEs, and the government to improve infrastructure and accessibility, thereby fostering broader Islamic financial inclusion
Application of ICT to Enhance Writing Skill: A Qualitative Study Janah, Rohmatul; Tusino; Dewi, Puspa
Proceeding International Conference on Education Volume 03, Agustus Tahun 2025: International Conference on Education
Publisher : Faculty of Tarbiyah, Institut Agama Islam Negeri (IAIN) Kediri, Indonesia

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

Abstract

This study investigates the application of Information and Communication Technology (ICT) to enhance students’ writing skills in a vocational school setting. Conducted with 32 eleventh-grade students in the Computer Network Engineering program at SMK Pancasila 1 Kutoarjo, this qualitative descriptive research employed classroom observation, questionnaires, and semi-structured interviews to gather data. Findings reveal that ICT integration significantly improves students’ writing proficiency by fostering engagement, expanding vocabulary and grammar accuracy, and reducing writing anxiety through collaborative platforms. Students reported that ICT tools make writing more interesting, promote autonomy, and increase motivation. However, challenges such as limited internet connectivity, insufficient devices, and uneven digital literacy were also identified. Overall, the study concludes that ICT has great potential to support effective writing instruction in vocational schools, provided that infrastructural and pedagogical challenges are adequately addressed. Future research is recommended to explore hybrid ICT-based approaches and long-term impacts on academic writing performance.
Co-Authors Mardhiyaturrositaningsih Mardhiyaturrositaningsih, Mardhiyaturrositaningsih Puspa Dewi Tusino Tusino Tusino, Tusino