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All Journal Intiqad: Jurnal Agama dan Pendidikan Islam EDUTECH: Jurnal Ilmu Pendidikan dan Ilmu Sosial Journal of Economic, Bussines and Accounting (COSTING) MONSU'ANI TANO Jurnal Pengabdian Masyarakat Ihsan: Jurnal Pengabdian Masyarakat Aghniya: Jurnal Ekonomi Islam Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Journal of Sharia Economics Journal of Educational Management Research IIJSE International Conference on Islamic Economic Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan
Uswah Hasanah
Universitas Muhammadiyah Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Physics Social Sciences

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Model of Sharia Bank Profitability Determination Factors by Measuring Internal and Externals Variables Mutiah Khaira Sihotang; Uswah Hasanah; Isra Hayati
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 1 (2022): Sharia Economic: January, 2022
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i1.1949

Abstract

This study examines the influence of internal and external factors on profitability as proxied by Return on Assets (ROA), a study on Islamic Commercial Banks for the 2016-2020 period. In the theory of profitability, there are 2 factors that affect bank profitability, namely internal factors and external factors. Internal factors in this study are BOPO (Operating Expenses to Operating Income), Non-Performing Financing (NPF), Financial to Deposit Ratio (FDR) and external factors in this study are inflation and the money supply. Profitability is one of the most important factors in a company, including Islamic financial institutions, in this case Islamic banks, so that every company must pay attention to the company's profitability ratios. Islamic banks are financial institutions that just started to emerge in the late 90s and have a very high level of competition with conventional banks. For this reason, this study aims to look at the financial performance of Islamic banks in Indonesia through the level of profitability they have had for the last 5 years. The sample selection in this study used purposive sampling method. The sample in this study is the monthly financial statements of Islamic commercial banks in Indonesia in 2016-2020. The data in this study will be processed using SPSS software with multiple regression. The results of this study state that inflation as an external factor does not have a significant effect on the profitability of Islamic Commercial Banks as measured by the Return on Assets (ROA) ratio with a significance level of 0.628 and the money supply has a significant effect on ROA. While the BOPO, NPF and FDR variables as internal factors have a significant effect on ROA.
Analysis of the Development of Human Resource Management Functions (An Analysis of Qur’anic Verses on Human Resource Management) Uswah Hasanah; Mutiah Khaira Sitohang; M. Iqbal
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3949

Abstract

Human resource issues are still a highlight and priority for an organization or company to survive and develop in the current era of globalization. The existence of human resources is a determining factor in the successful implementation of an effective organization. Company activities will not be completed properly without being supported by the potential and effective and efficient performance of its human resources. To achieve this success, the existence of human resource management is an absolute thing that must be done optimally so that the purpose of the organization can be achieved. This research aims to examine further the function of human resource management in general, as well as compare it with Islamic rules regarding human resource management contained in the Qur’an so that it can add to the development of human resource management functions both in general and when associated with human resource management in Islam which views humans as having 2 functions, namely as servants and caliphs on earth. This research on Human Resource Management is also the result of the author's observations of human resource management when viewed from an Islamic perspective. This writing is to answer the question of how the human resource management system is viewed from an Islamic point of view. This research method is library research and is included in the category of qualitative research. With thematic method (maudu’iy), namely collecting and analyzing the verses of the Qur'an that talk about the function of human resource management. The results showed that many verses of the Qur'an that examine human resources can be used for the development of human resource management functions and add contributions to the development of Sharia human resource management functions. This research can be continued by studying and deepening the verses of the Koran in subsequent studies so that Islamic human resources have specific advantages.
Peran Pelatihan dan Pengembangan Karyawan Dalam Meningkatkan Pelayanan pada Hotel Zartin Syariah Ujung Gading Sumatera Barat Muhammad Fayyadh; Uswah Hasanah
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 4 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i4.11154

Abstract

The objective of this study is to investigate the impact of staff training and development on enhancing the quality of services provided at the Zartin Syariah Hotel Ujung Gading, located in West Sumatra. Field study using an observational and interview-based qualitative descriptive technique is the research methodology used. The study's findings demonstrate that the hotel has recognized issues and taken proactive measures to enhance the quality of its services, particularly by investing in the professional growth and training of each worker with an emphasis on sharia principles. Regular evaluation, employee motivation, reward, punishment, collaboration, and feedback from guests are also important elements in a hotel's efforts to improve service quality. Keywords: Training, Development, Service
The Effectiveness of Savings Programs in Shaping Students’ Financial Discipline in Islamic Boarding Schools Mahmud Khoil Shofa Siagian; Uswah Hasanah
International Conference on Islamic Economic (ICIE) Vol. 4 No. 1 (2025): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v4i1.420

Abstract

Financial discipline is an essential life skill that enables individuals to manage resources wisely and prepare for future needs. In the context of Islamic boarding schools, or pesantren, this skill becomes even more important as students (santri) are expected to embody responsibility, independence, and adherence to Islamic values in daily life. Recognizing this need, An-Nikmah School Cooperatives introduced a sharia-based savings program, designed not only as a financial service but also as an educational initiative to instill long-term financial awareness and discipline. His study seeks to evaluate the effectiveness of the savings program in enhancing students’ financial discipline, to identify both supporting and inhibiting factors, and to assess the program’s contribution to the development of financial character consistent with Islamic principles. A descriptive qualitative method was employed, incorporating in-depth interviews, direct observation, and document analysis with cooperative managers and participating students. The findings reveal that the savings program contributes significantly to building systematic saving habits, encouraging accurate financial recording, and strengthening the integration of Islamic values in financial management. Despite these achievements, the program faces challenges such as limited financial literacy among students, inadequate access to technology-based recording tools, and insufficient training sessions to reinforce knowledge and practice. Overall, the study concludes that the sharia cooperative savings program at An-Nikmah School Cooperatives is effective in fostering disciplined, responsible, and independent financial behavior. Moreover, it provides a replicable model for financial education in Islamic boarding schools, offering valuable insights for policymakers, educators, and cooperative institutions in advancing financial literacy through faith-based initiatives.
WORK PRODUCTIVITY FROM THE PERSPECTIVE OF ISLAMIC ECONOMIC PHILOSOPHY Uswah Hasanah; Muhammad Yafiz
Journal of Sharia Economics Vol. 7 No. 1 (2026): Islamic Economics
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v7i1.9657

Abstract

This study aims to examine the philosophical implications of work productivity in human life, which is closely related to time management, responsibility, and the quality of good deeds. This study uses a qualitative approach with library research. This approach was chosen because the research focuses on conceptual and philosophical studies of work productivity from an Islamic perspective. The results show that work productivity is not only understood as the ability to produce maximum output, but also as a form of devotion to Allah SWT. Islam views work as worship when it is based on sincere intentions, carried out in a legal manner, and aims to benefit oneself and society. Islamic philosophical values such as monotheism, trustworthiness, ihsan, and justice are the main foundations for building a productive and sustainable work ethic. The concept of work in Islam emphasizes a balance between material and spiritual aspects, so that productivity is not solely measured by economic results but also by the moral values and blessings generated. Thus, Islamic philosophy offers a paradigm of work productivity that is holistic, humanistic, and oriented towards happiness in this world and the hereafter.
Implementing Islamic Financial Literacy to Foster Saving Habits in Early Childhood Patimah; Uswah Hasanah
Journal of Educational Management Research Vol. 5 No. 3 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i3.2035

Abstract

Sharia financial literacy plays a strategic role in shaping responsible financial behavior aligned with Islamic values from an early age. The habit of saving is a relevant form of implementing Sharia financial literacy to instill a sense of trustworthiness, self-control, and awareness of wise wealth management. In the context of early childhood education, the application of Sharia financial literacy needs to be contextualized and sustainable so that the introduced values can be internalized in children's daily behavior. This study used a qualitative descriptive method with a case study approach conducted at Tadika Didik Bistari Gemilang Malaysia. Data were obtained through observation of learning activities, in-depth interviews with the headmaster, class teachers, parents, and children aged 5–6, and supported by documentation of activities. The study results indicate that Sharia financial literacy is implemented through the habit of saving integrated into children's learning activities, such as direct practice of saving and the use of simple media appropriate to the child's developmental stage. This hands-on, experience-based approach increases children's engagement and helps them understand the concrete meaning of saving. Consistently practicing these habits has a positive impact on children's behavior, as reflected in increased savings habits, greater caution in using pocket money, and the ability to delay desires. These findings confirm that Islamic financial literacy, implemented from an early age, plays a crucial role in developing potentially responsible and sustainable financial behavior when supported by synergy between the school and family environments.
Strategi Pengembangan Peternakan Sapi Potong Berbasis Optimalisasi Sumber Daya di Kecamatan Pegajahan Darma Wijaya; Uswah Hasanah
Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan Vol. 1 No. 2 (2024): Inflasi - November
Publisher : PT. Faaslib Serambi Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66341/inflasi.v1i2.51

Abstract

Penelitian ini bertujuan untuk mengetahui berbagai sumber daya yang mendukung pengembangan peternakan sapi potong di Desa Bingkat, Kecamatan Pegajahan, serta menentukan wilayah yang menjadi sektor basis melalui analisis Location Quotient (LQ). Data yang digunakan dalam penelitian ini adalah data sekunder yang diperoleh dari Balai Penyuluhan Pertanian Perikanan dan Kehutanan Desa Bingkat. Hasil analisis LQ menunjukkan bahwa Desa Bingkat memiliki nilai LQ sebesar 2,08, yang mengindikasikan wilayah tersebut sebagai sektor basis dalam pengembangan ternak sapi. Potensi maksimum ternak berdasarkan sumber daya lahan (PMSL) mencapai 2.269,03 ST, dengan kapasitas peningkatan populasi sapi berdasarkan sumber daya lahan (KKPTR(SL)) sebesar 1.180,53 ST. Populasi ternak sapi aktual (POPRIL) di Desa Bingkat tercatat sebanyak 1.088,5 ST. Selain itu, potensi maksimum ternak berdasarkan kepala keluarga (PMKK) mencapai 6.012 ST, dan kapasitas peningkatan populasi ternak sapi berdasarkan kepala keluarga (KPPTR(KK)) adalah 4.923,5 ST. Angka-angka ini menunjukkan bahwa Desa Bingkat dan Kecamatan Pegajahan memiliki potensi yang besar dalam pengembangan peternakan sapi potong.
Co-Authors Bayu Arnanda Darma Wijaya Febri Apriansah Isra Hayati Khairatun Hisan M. Iqbal Mahmud Khoil Shofa Siagian Muhammad Fayyadh Muhammad Yafiz Munardi, Benny Muthia Khaira Sihotang Mutiah Khaira Sihotang Nadlrah Naimi Nur Sakinah Nuryan Hadi Patimah Rahmayati Rahmayati