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All Journal Tahkim (Jurnal Peradaban dan Hukum Islam) STRATEGIC JURNAL ILMU MANAJEMEN DAN BISNIS Jurnal Ilmiah Ekonomi Islam Jurnal Manajemen & Keuangan JURNAL EDUCATION AND DEVELOPMENT The International Journal of Business Review (The Jobs Review) BASKARA: Journal of Business and Entrepreneurship Budimas : Jurnal Pengabdian Masyarakat ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Journal of Management and Entrepreneurship Research Mestaka: Jurnal Pengabdian Kepada Masyarakat West Science Journal Economic and Entrepreneurship AMMA : Jurnal Pengabdian Masyarakat Sabangka Abdimas Jurnal Pengabdian Masyarakat Sabangka Jurnal Akuntansi dan Keuangan Islam (JAKIs) Review of Islamic Social Finance and Entrepreneurship Al-Muhasib: Journal of Islamic Accounting and Finance Manajemen : Jurnal Ekonomi IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita International Journal of Islamic Business and Economics (IJIBEC)
Rahmah, Mirhamida
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mechanical Engineering Nursing Social Sciences Other

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Evaluasi Dampak Bank Pembiayaan Rakyat Syariah (BPRS) Terhadap Pertumbuhan Dan Pengembangan UMKM Di Indonesia Purnama, Chamdan; Zulfa Rahmah, Zakiyah; Fatmah, Dinda; Rahmah, Mirhamida; Hasani, Syaiful; Rahmah, Yusriyah; Andriani; Alfaina Karem, Nahdya
Manajemen: Jurnal Ekonomi USI Vol 6 No 2 (2024): Vol. 6 No. 2 Tahun 2024
Publisher : Fakultas Ekonomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/fabzp258

Abstract

Penelitian ini berfokus pada Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia, dengan pengumpulan data yang dilakukan melalui situs web Otoritas Jasa Keuangan (OJK). Studi ini memanfaatkan data sekunder, seperti dokumen, catatan, atau laporan historis yang tersimpan dengan baik dalam arsip. Metode yang diterapkan meliputi kajian literatur dan diskusi. Hasil penelitian ini mengungkapkan bahwa BPRS telah sukses menerapkan manajemen yang efektif dalam mengelola rasio Dana Pihak Ketiga (DPK) terhadap pembiayaan, terutama untuk sektor UMKM. BPRS juga berhasil meraih tingkat kepercayaan yang tinggi dari masyarakat dalam pembiayaan UMKM, yang terlihat dari peningkatan jumlah pembiayaan yang disalurkan setiap tahunnya. Kondisi ini sejalan dengan pertumbuhan jumlah UMKM di Indonesia yang terus meningkat setiap tahunnya
The Intervening of Customer Satisfaction can Improve on Customer Loyalty Purnama, Chamdan; Fatmah, Dinda; Rahmah, Mirhamida; Hasani, Syaiful; Rahmah, Yusriyah; Rahmah, Zakiyah Zulfa
West Science Journal Economic and Entrepreneurship Vol. 1 No. 10 (2023): West Science Journal Economic and Entrepreneurship
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsjee.v1i10.483

Abstract

This study aims to examine and analyze the effect of product differentiation on customer satisfaction, to test and analyze the effect of product differentiation on customer loyalty, to test and analyze the effect of customer satisfaction on customer loyalty and to test and analyze the indirect effect of product differentiation on customers loyalty through customer satisfaction at Balekambang Mojokerto District, East Java. The sample in this study is 110 tourists sampling used in this study is to use the accidental sampling method. Data was collected using a questionnaire that has been tested for validity and reliability. Data analysis used in this study is linear regression analysis with SPSS for Windows version 24. Based on the results of regression analysis, it was found that first product differentiation has a significant positive effect on customer satisfaction. Second, product differentiation has a direct positive effect on customer loyalty. Third, customer satisfaction has a significant positive effect on customer loyalty. Fourth, product differentiation indirectly has a significant positive effect on customer loyalty through customer satisfaction.
Organizational Culture And Islamic Work Ethics On Teacher Performance: The Important Role Of Spiritual Work Motivation In Mediating Purnama, Chamdan; Rahmah, Mirhamida; Fatmah, Dinda; Hasani, Syaiful; Rahmah, Yusriyah; Rahmah, Zakiyah Zulfa
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.12796

Abstract

The purpose of this study was to examine the influence of organizational culture and Islamic work ethic on teacher performance through spiritual work motivation. The sample of this study was 196 respondents of Islamic boarding school teachers in Madura region. The test method uses purposive random sampling with a minimum of occupying the homeroom level. Using the Smart PLS version 3.0 analysis technique results that organizational culture and Islamic work ethic does not directly affect teacher performance but indirectly affect teacher performance through Spiritual Work Motivation The results are relied upon to add knowledge to enrich the theory of human resource management and Islamic boarding school behavior theory, especially regarding teacher performance. In addition, it is hoped that this new model will assist future research in paying attention to the factors that can affect teacher performance. This research is a novelty research which develops the concept of work motivation into Spiritual Work Motivation based on Quran and Sunnah along with the principles of Islamic boarding schools in accordance with the research context, namely in Islamic boarding schools.
The Evolution of Islamic Banking in Indonesia: Challenges, Opportunities, and Future Prospects Rahmah, Zakiyah Zulfa; Fatmawatie, Naning Windarti; Yuliani, Yuliani; Syakur, Ahmad; Fatmah, Dinda; Putri, Karina Ananda; Hasani, Syaiful; Rahmah, Mirhamida; Rahmah, Yusriyah; Purnama, Chamdan; Syaipudin, Latif; Tohari, Ilham
Jurnal Akuntansi dan Keuangan Islam Vol 13, No 2 (2025)
Publisher : SEKOLAH TINGGI EKONOMI ISLAM SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jakis.v13i2.888

Abstract

This study aims to analyse the development of Islamic banking in Indonesia through a literature review approach. The study was conducted by examining scientific journals, books, official regulations, and reports from relevant authorities, which were then categorised thematically to provide a comprehensive overview. The results of the study show that Islamic banking has made significant progress since the establishment of Bank Muamalat Indonesia in 1992 to the formation of Bank Syariah Indonesia in 2021. This development is supported by regulations, including Law Number 21 of 2008, as well as authority policies that strengthen institutional structures. However, the market share of Islamic banking is still limited, public literacy is low, and the availability of competent human resources is inadequate. Nevertheless, growth opportunities are open through government support, digital transformation, and sustainable finance trends that are in line with Islamic principles. This study has limitations because it only uses literature review, so the findings are conceptual. Therefore, further studies are recommended to use empirical methods to assess the effectiveness of policies, digitalisation strategies, and the performance of Islamic banking compared to conventional banking. Penelitian ini bertujuan menganalisis perkembangan perbankan syariah di Indonesia melalui pendekatan kajian pustaka. Kajian dilakukan dengan menelaah jurnal ilmiah, buku, regulasi resmi, serta laporan dari otoritas terkait, yang kemudian dikategorikan secara tematik untuk memberikan gambaran menyeluruh. Hasil penelitian menunjukkan bahwa perbankan syariah telah mengalami kemajuan signifikan sejak berdirinya Bank Muamalat Indonesia pada tahun 1992 hingga terbentuknya Bank Syariah Indonesia pada tahun 2021. Perkembangan ini didukung oleh regulasi, termasuk Undang-Undang Nomor 21 Tahun 2008, serta kebijakan otoritas yang memperkuat struktur kelembagaan. Meskipun demikian, pangsa pasar perbankan syariah masih terbatas, literasi masyarakat rendah, dan ketersediaan sumber daya manusia kompeten belum memadai. Namun, peluang pertumbuhan terbuka melalui dukungan pemerintah, transformasi digital, serta tren keuangan berkelanjutan yang sejalan dengan prinsip syariah. Penelitian ini memiliki keterbatasan karena hanya menggunakan kajian literatur sehingga temuan bersifat konseptual. Oleh karena itu, studi lanjutan disarankan menggunakan metode empiris untuk menilai efektivitas kebijakan, strategi digitalisasi, dan kinerja perbankan syariah dibandingkan konvensional.
The Role of Business Sustainability in Enhancing SME Competitiveness Through Working Capital and Digital Technology Rahmah, Mirhamida; Fatmah, Dinda; Aslikhah, Nurul; Soe, Htet Paing; Rahmah, Yusriyah; Rahmah, Zakiyah Zulfa; Purnama, Chamdan
Jurnal Manajemen dan Keuangan Vol 14 No 2 (2025): Journal Management and Finance
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmk.v14i2.12569

Abstract

This study aims to analyze the role of business sustainability as a mediating variable in the relationship between working capital and digital technology on the competitiveness of SMEs in Indonesia. The study is motivated by the growing awareness of the importance of sustainable business practices amidst dynamic market challenges and global environmental pressures. Using a quantitative approach and path analysis techniques based on Partial Least Squares Structural Equation Modeling (PLS-SEM), data were collected from 200 SMES actors in the halal fashion and food sectors through structured questionnaires. The findings indicate that business sustainability acts as a significant mediator, strengthening the indirect influence of working capital and digital technology on competitiveness. These results affirm that sustainability is not merely a social responsibility, but a strategic resource that enhances the competitive position of SMEs. The adoption of digital technology and efficient working capital management will yield stronger competitive advantages when directed toward sustainability goals. This research contributes to the SMES literature and offers practical insights for business actors and policymakers in designing sustainable and competitive business strategies.
Co-Authors Ahmad Syakur Alfaina Karem, Nahdya Andriani Aslikhah, Nurul Chairul Anam, Chairul Chamdan Purnama Elly Istiana Maulida Fatmah, Dinda Fatmawatie, Naning Windarti Hasani, Syaiful Latif Syaipudin Lukman Hakim Lukman Hakim Lukman Hakim Putri , Karina Ananda Putri, Karina Ananda Rahmah, Yusriyah Rahmah, Zakiyah Zulfa Soe, Htet Paing Sugeng Mulyono Syaiful Hasani Syaiful Hasani Syaiful Hasani Tohari, Ilham Yuliani Yuliani Yusriyah Rahmah Yusriyah Rahmah Yusriyah Rahmah Yusriyah Rahmah Zulfa Rahmah, Zakiyah