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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah MAJAMATH: Jurnal Matematika dan Pendidikan Matematika Ghancaran: Jurnal Pendidikan Bahasa dan Sastra Indonesia EKONOMIKA45 Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen
Wardatus Syarifah
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences

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The Character-Building Reconstruction Based on Local Wisdom (Adoption of Empathy Values in Sèsèt Jâmbul Song) Moh. Wardi; Syaifatul Jannah; Luthfatul Qibtiyah; Wardatus Syarifah; Khodijah
GHANCARAN: Jurnal Pendidikan Bahasa dan Sastra Indonesia Vol. 5 No. 1 (2023)
Publisher : Tadris Bahasa Indonesia, Fakultas Tarbiyah, Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/ghancaran.v5i1.8340

Abstract

Artikel penelitian ini mengkaji nilai-nilai empati yang terkandung dalam lagu Sèsèt Jâmbul sebagai salah satu upaya pembentukan karakter peserta didik yang berbasis pada kearifan lokal. Menyimak banyaknya kasus kekerasan antar anak, tak dapat dipungkiri salah satunya disebabkan oleh kurangnya sikap empati sehingga perlu ditinjau kembali proses belajar mengajar yang berlangsung di sekolah, seperti proses pembelajaran dan materi yang diberikan. Kurangnya sikap empati tersebut bisa jadi menggambarkan kurangnya didikan orang tua maupun guru dalam membentuk karakter anak. Dalam hal ini nilai empati yang terkandung pada lagu Sèsèt Jâmbul dapat diadopsi oleh guru sebagai upaya pembentukan karakter. Adapun metode penelitian ini menggunakan pendekatan kualitatif deskriptif. Teknik pengumpulan data yang digunakan ialah dokumen dan wawancara mendalam. Sumber data penelitian ini yaitu buku Kumpulan Lagu-Lagu Madura yang disusun oleh Adrian Pawitra. Proses analisis data menggunakan teknik analisis hermeneutika Gadamerian, yaitu metode analisis penafsiran makna dalam teks, Hasil penelitian menunjukkan bahwa terdapat tiga nilai empati yang terkandung dalam lagu Sèsèt Jâmbul yang dapat diadopsi sebagai upaya pembentukan karakter peserta didik yakni tidak egois, acuh atau peduli, dan sigap dalam menolong. Tidak egois sikap peserta didik yang tidak menang sendiri. Peduli yaitu sikap belas kasih terhadap sesama. Sigap menolong yakni sikap ringan hati untuk membantu sesama.
Pendapat Bagi Hasil Tabungan IB Muaamalat Prim Terhadap Tingkat Kepuasan Nasabah Wardatus Syarifah; Halimatus Saadah
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 3 No. 2 (2024): April : Inisiatif : Jurnal Ekonomi, Akuntansi dan Manajemen
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/inisiatif.v3i2.2386

Abstract

Sharia banking is basically a development of the concept of Islamic economics, especially in the financial sector, which was developed as a response from economic groups and Muslim banking practitioners in the form of accommodating pressure from various parties who want financial transaction services carried out in line with moral values ​​and principles. Islamic sharia. Based on the Basic Banking Law Number 7 of 1992, which was reaffirmed by the issuance of Republic of Indonesia Law Number 10 of 1998, the type of sharia banking is Bank Muamalat Indonesia (BMI). Based on Law no. 10 of 1998 concerning banking, what is meant by savings are deposits from which withdrawals can only be made according to certain agreed conditions. The profits obtained by savers with this scheme are in the form of prizes, the amount of which is in accordance with the policies of each Sharia Bank. Savers who want a higher investment can choose the iB Muamalat Prima savings type with a profit sharing scheme. The research focus includes: 1) What is the influence of IB Muamalat Prima savings on the level of customer satisfaction at BMI KCP Sumenep? 2) What influence does IB Muamalat Prima's savings have on the level of customer satisfaction at BMI KCP Sumenep? In this writing, research is used. This research uses a quantitative approach, where research with a quantitative approach is defined as research where the data is in the form of numbers, taken from the population or samples, data collection using research instruments and analysis using statistical techniques, and aims to test the hypotheses that have been determined. Meanwhile, the type of research used is causality research. This research uses a quantitative approach, namely using statistical data analysis, while its nature is causality, namely cause and effect between two variables using statistical techniques. This research comes to the conclusion 1) Partially, profit sharing income has a significant influence on the level of satisfaction of BMI Kcp customers. Sumenep, this is indicated by the significance value of the profit sharing income variable of 0.000 which is smaller than the α value (0.05). 2) profit sharing income has an influence on the level of satisfaction of BMI Kcp customers. Sumenep was 29.9%, while 70.1% was influenced by other variables outside this research.
Analisis Kinerja Keuangan Bank Victoria Syariah Dengan Pendekatan Metode Rgec Fatin Najwa Nazurah; Wardatus Syarifah
EKONOMIKA45 :  Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan Vol. 11 No. 2 (2024): Juni : Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/ekonomika45.v11i2.2475

Abstract

Health Bank is a very important thing in a financial institution to increase public confidence because a healthy bank will be easy to do its business with normal. Besides, public confidence can convince that the bank is a safe place to store its assets. This research is aimed at determining the health level of Victoria Syariah Bank. This study uses a quantitative descriptive approach. The analytical technique used is the RGEC ratio analysis. Research shows that the financial performance of Bank Victoria Syariah 2017- 2021 measured using the RGEC Method. Risk Profile Foctors assessed through NPF from 2017-2021 with a pretty healthy category, and FDR from 2017-2021 with a very healthy category. The Good Corporate Governance Bank Victoria Syariah factor has fallen into a healthy category. The Earning factor whose assessment consists of ROA from 2017-2021 with a relatively healthy category, ROE from 2017-2021 with a poor category, and BOPO has always experienced a decline with an unhealthy category. and the capital factor in the CAR ratio is always rising every year with very healthy ranks. Where Victoria Corporate Bank can maintain its financial performance from 2017-2020 with the category "Pretty Healthy" but there will be a decline in 2021 with the category "Less Healthy" due to an increase in the NPF ratio of Victoria Corporate Bank of 9.54%.
Pengaruh Personal Selling dan Marketing Public Relation terhadap Minat Nasabah Produk Tabungan Muḍārabah (TABAH) di KSPP Syariah BMT NU Cabang Galis Herlin Nanda; Wardatus Syarifah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.28519

Abstract

Dunia perbankan mengalami perkembangan yang begitu pesat khususnya lembaga keuangan syariah. Dengan semakin ketatnya tingkat persaingan antar lembaga keuangan syariah, maka lembaga keuangan syariah seperti halnya BMT NU Jawa Timur Cabang Galis harus bisa menyiapkan strategi pemasaran yang baik dan tepat sasaran. Strategi personal selling dan Marketing public relation dengan minat nasabah sangat berpengaruh, sehingga dapat menyesuaikan tentang bagaimana cara lembaga keuangan syariah yang bersangkutan untuk menarik dan mempertahankan masyarakat agar tetap mempertahankan minatnya. Permasalahan yang diangkat dalam penelitian ini adalah apakah personal selling dan marketing public relation berpengaruh terhadap minat nasabah produk tabungan Muḍārabah di BMT NU cabang Galis. Tujuan dari penelitian ini untuk menanalisis pengaruh personal selling dan marketing public relation terhadap minat nasabah produk tabungan Muḍārabah. Metode yang digunakan dalam penelitian ini ialah kuantitatif, data dikumpulkan melalui penyebaran kuesioner kepada nasabah yang menggunakan produk tabungan Muḍārabah. Teknik analisis data yang digunakan yaitu uji kualitas data, uji asumsi klasik, analisis regresi linier berganda, serta uji hipotesis untuk mengukur pengaruh variabel bebas yaitu personal selling dan marketing public relation terhadap variabel terikat yaitu minat nasabah. Hasil penelitian menunjukkan bahwa personal selling dan marketing public relation secara simultan memiliki pengaruh yang signifikan terhadap minat nasabah. Personal selling memberikan kontribusi yang lebih dominan dibandingkan marketing public relation dalam mempengaruhi minat nasabah. Temuan ini menunjukkan pentingnya strategi komunikasi yang efektif dan pendekatan personal dalam meningkatkan daya tarik produk tabungan Muḍārabah. Penelitian ini diharapkan dapat memberikan masukan strategis bagi KSPP Syariah BMT NU Cabang Galis dalam mengembangkan strategi pemasaran yang lebih optimal untuk meningkatkan kepuasan dan loyalitas nasabah.
Pengaruh Profit Margin Pembiayaan Murabaḥah Terhadap Profitabilitas BPRS Bhakti Sumekar Herlita Merina; Wardatus Syarifah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.28947

Abstract

The Indonesian banking system adopts a dual banking system, consisting of conventional and Islamic banking. Islamic banking emerges as an alternative free from interest (riba), emphasizing Islamic principles in financial transactions, such as financing based on the murābaḥah contract. One financial institution implementing this system is BPRS Bhakti Sumekar. Murābaḥah has become one of the most in-demand products, increasing annually and showing a significant contribution to the bank's operations. However, the increase in murābaḥah financing does not always align with rising profitability, which in this study is measured by Return on Assets (ROA). Based on financial reports from 2015 to 2021, murābaḥah financing tends to increase, while ROA fluctuates and tends to decline. This phenomenon raises questions about the effectiveness of the murābaḥah profit margin in improving the profitability of Islamic banks.. This study uses a descriptive quantitative method. The population includes the financial reports of PT. BPRS Bhakti Sumekar from 2018 to 2023. The sampling technique used is non-probability sampling, which gives each population member a chance to be selected as a sample. The data were analyzed using classical assumption tests and hypothesis testing. The results show that the murābaḥah financing profit margin does not significantly affect profitability (ROA), with a t-count value of -1.700, which is smaller than the t-table value of 2.064. The coefficient of determination (R square) is 0.116, indicating that the murābaḥah profit margin only contributes 11.6% to the profitability variable, while the remaining 88.4% is influenced by other variables not included in this study.
Kinerja Grafik X-Bar menggunakan Variabel Parameter dan Double Sampling dengan Pendekatan Rantai Markov Wardatus Syarifah
MAJAMATH: Jurnal Matematika dan Pendidikan Matematika Vol. 4 No. 2 (2021): Vol. 4 No. 2 September 2021
Publisher : Prodi Pendidikan matematika Universitas Islam Majapahit (UNIM), Mojokerto, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36815/majamath.v4i2.1403

Abstract

X-bar control chart is one of the means used to resolve problems or detect specific causes that might occur in the production process. When using charts X-bar, there are situations where the average process can diverge. If the average process of the irregularities, it takes a complex approach involving Markov chains to evaluate the properties of graphs X-bar. In this research discusses the performance of the graph X-bar using Variable Parameters and Double Sampling with Markov chain approach. Stages used is determine the state Variables Parameters and Double Sampling, making a transition matrix for Variable Parameter and Double Sampling, determining Average Time of Cycle and Average Time to Signal, comparison test, conclusions and suggestions. By comparing Variables Parameters and Double Sampling obtained a good method to use for a particular situation on the graph X-bar, that is when a small sample size using Variable Parameters and when a large sample size using Double sampling.
Co-Authors Fatin Najwa Nazurah Halimatus Saadah Herlin Nanda Herlita Merina Khodijah Luthfatul Qibtiyah Moh. Wardi Syaifatul Jannah