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ANALYSIS OF ISLAMIC BANK FINANCIAL PERFORMANCE IN FACINGGLOBAL MARKET CHALLENGES Novianty Djafri; Diah Fatma Sjoraida; Julinta Paulina; M. Anton Fatoni; Sudarmo
International Journal Of Humanities, Social Sciences And Business (INJOSS) Vol. 3 No. 2 (2024): INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS)
Publisher : ADISAM Publisher

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This analysis evaluates the financial performance of Islamic Banks in facing global market challenges. The findings show that Islamic banks have demonstrated solid financial performance, with significant asset and revenue growth and effective risk management. Islamic banks have also managed to maintain good financing quality. However, Islamic banks face challenges in the global market, including intense competition with conventional banks, regulatory differences in various countries, and low customer awareness and education. To face this challenge, Islamic banks must improve operational efficiency, develop product and service innovations that suit customer preferences, strengthen marketing and branding, and expand distribution networks. This analysis concludes that Islamic banks have a strong potential to face global market challenges. With solid financial performance, significant asset growth, effective risk management, and adaptive strategies, Islamic banks can remain competitive in a dynamic global market. However, it is essential for Islamic banks to continuously monitor global market developments, manage risk appropriately, and strengthen their strategy to face the ever-evolving challenges.
PROMOTING GENDER EQUALITY: PERSPECTIVES ON WOMEN'S RIGHTS AND ISLAMIC LAW IN SOUTHEAST ASIA Novianty Djafri; Syarifuddin; Karman; Rosijanih Arbie; Muhammad Hero Soepeno
International Journal Of Humanities, Social Sciences And Business (INJOSS) Vol. 3 No. 2 (2024): INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS)
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This research paper explores the perspectives on promoting gender equality within the context of women's rights and Islamic law in Southeast Asia. The study adopts a qualitative approach, employing a comprehensive analysis of existing literature, scholarly works, legal documents, reports, and case studies to gain in- depth insights into the topic. The research begins with an overview of Islamic law in Southeast Asia, including its diverse interpretations and influence on family, Marriage, and inheritance matters. It then delves into understanding fundamental principles and practices related to women's rights within Islamic law, examining both supportive and discriminatory aspects. This research explores two main perspectives: liberal interpretations and feminist perspectives. Liberal interpretations advocate for gender equality within Islamic legal frameworks, analyzing progressive interpretations and reforms that promote women's rights. Case studies of countries or regions implementing inclusive approaches are examined to provide practical insights. Feminist perspectives critique patriarchal interpretations of Islamic law, conducting a feminist analysis of gender biases and discrimination within Islamic legal frameworks. The research explores feminist movements advocating for women's rights within the context of Islamic law, highlighting their efforts to challenge patriarchal norms and promote inclusive understandings of Islam. The research methodology involves a qualitative research design, including a literature review and data collection through interviews, focus group discussions, and surveys with relevant stakeholders. Thematic analysis will be conducted to identify common themes and perspectives, providing a comprehensive understanding of the different viewpoints on promoting gender equality within the framework of Islamic law in Southeast Asia.
STORYNOMICS IN THE DIGITAL ERA: A NEW STRATEGY FOR CREATING ENGAGING TOURIST EXPERIENCES THROUGH COMPELLING NARRATIVES Novianty Djafri; Caroline; Muhamad Stiadi; Siti Sumiati; Al-Amin
International Journal Of Humanities, Social Sciences And Business (INJOSS) Vol. 3 No. 2 (2024): INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS)
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This paper presents a research study investigating the effectiveness of Storynomics as a novel strategy for enhancing consumer engagement in the tourism industry during the digital era. Recognizing the influential role of stories in inspiring connections between travelers and destinations, the study also acknowledges the significance of technology in integrating storytelling into tourism. Storynomics, the proposed approach, combines the power of storytelling with digital technology to create captivating and immersive tourist experiences. A mixed-methods research approach was employed to explore the implementation and impact of Storynomics in the tourism industry. The research commenced with a comprehensive literature review, gathering theoretical foundations and existing knowledge on storytelling, technology, and consumer engagement in tourism. This review was the basis for developing a conceptual framework for Storynomics in tourism. Following the literature review, a series of practical case studies focused on successful Storynomics implementations by tourism companies. These case studies involved qualitative interviews with industry professionals, analysis of narrative content, and examination of social media platforms and interactive applications employed by these companies. The findings from the case studies were synthesized to provide valuable insights into the application of Storynomics in the tourism industry. The study highlights how the synergy between storytelling and digital technology can generate compelling and personalized experiences, drive consumer engagement, and contribute to broader marketing objectives and business growth.
DEMOCRACY DIALOGUE: THE SUSTAINABILITY OF DEMOCRACY IN SOUTHEAST ASIA - CASE STUDY ON THE INDONESIAN PRESIDENTIAL ELECTION Novianty Djafri; Caroline; Sitti Nur Alam; Erfan Hasmin; Zulvia Trinova
International Journal Of Humanities, Social Sciences And Business (INJOSS) Vol. 3 No. 2 (2024): INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS)
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This research paper examines the sustainability of democracy in Southeast Asia, focusing on Indonesia's Presidential Election as a case study. The region's diverse political landscape has undergone significant transformations influenced by globalization, civil society movements, and international pressures. As the largest country in Southeast Asia, Indonesia is a crucial example of a nation transitioning from authoritarian rule to democracy. Through qualitative and quantitative research methods, the study analyzes key variables influencing Indonesian democracy, such as democratic institutions, civil society participation, political parties, decentralization, socioeconomic factors, ethnic diversity, and international relations. Findings highlight the complex interactions of these variables in shaping the sustainability of democracy in Indonesia and offer broader implications for the region. While progress has been made in democratic consolidation, political instability and corruption persist. Understanding the complexities of democracy in Southeast Asia provides valuable insights for policymakers and advocates, emphasizing the need for continued dialogue and cooperation to promote sustainable democratic practices and foster regional stability and development.
THE INFLUENCE OF COMPUTERS ON CREATIVE INDUSTRIES AND THE DEVELOPMENT OF DIGITAL ART Arfan Utiarahman; Novianty Djafri; Mardia Bin Smith
International Journal Of Humanities, Social Sciences And Business (INJOSS) Vol. 4 No. 1 (2025): INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS)
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Computers have revolutionised the creative industry and digital art by introducing sophisticated software and hardware, such as Adobe Creative Suite and graphic tablets, which allow artists to create works of high quality and incredible detail. New technologies such as virtual reality (VR) and augmented reality (AR) have transformed the interaction between artists and artworks, enabling creation in three-dimensional spaces and more immersive interactive experiences. In addition, networking and cloud technologies facilitate global collaboration and efficiency in art production, while innovations such as blockchain and NFTs offer new ways to distribute and protect digital artworks. This combination of advanced tools, technologies and educational resources is fuelling rapid growth and transformation in the digital art world.
BRINGING INNOVATION INTO ENGLISH CLASSROOMS: EXPLORING THE DIFFUSION OF INNOVATION IN ENGLISH LANGUAGE TEACHING Sri Agriyanti Mestari; Novianty Djafri
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 3 No. 5 (2025): MAY
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This study explores the diffusion of innovation in the context of English Language Teaching (ELT). Using Rogers' diffusion of innovation theory as a theoretical framework, the research examines the factors that facilitate or hinder the implementation of innovative practices in English language teaching. Through an extensive literature review, English language teachers in different educational settings are highlighted to understand their perceptions, attitudes and experiences of integrating innovative teaching methods, technologies and materials. The findings show that the rate of adoption of innovations in ELT is influenced by a number of factors, including the perceived characteristics of the innovation, communication channels, time and the social system. Innovative teachers who act as early adopters play a crucial role in the diffusion process by modelling good practice and providing peer support. However, organisational culture, resource constraints and teachers' beliefs also emerge as significant barriers to the widespread diffusion of innovations. The study provides insights into strategies for promoting the successful implementation of innovations in English language teaching. It highlights the importance of creating a supportive environment that encourages risk-taking, provides continuous professional development, and fosters a culture of collaboration and shared learning among English language teachers. The findings have implications for educational policy makers, teacher educators and school administrators in their efforts to improve the quality of English language teaching through innovative approaches.
Taxation in the Modern Economy: An In-Depth Analysis of Policy Frameworks, Economic Implications, and Strategic Approaches for Sustainable Financial Development Caroline Caroline; Siti Sumiati; Ahmad Rizani; Loso Judijanto; Novianty Djafri
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 1 No. 3 (2024): INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER)
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This paper delves into the pivotal role of taxation in shaping the intricate dynamics of the contemporary economic landscape. Focusing on the imperative of sustaining financial development, the analysis emphasizes the importance of effective tax policies. The study thoroughly examines diverse tax policies, unraveling their multifaceted dimensions and scrutinizing their direct and indirect impact on economic agents, wealth distribution, and overarching financial stability. In the pursuit of equitable growth, the analysis navigates through the complexities of various taxation strategies, assessing their potential to bridge socioeconomic gaps. The study actively engages with the challenges presented by modern taxation systems and identifies opportunities for refinement and innovation. The paper considers global economic dynamics that influence and shape contemporary tax structures in a world characterized by evolving economic paradigms. Real-world case studies are integrated, providing practical insights into the application and consequences of different tax policies. Drawing on economic theory, rigorous policy analysis, and empirical observations, the paper seeks to contribute substantially to the ongoing discourse on designing and implementing effective tax systems. By synthesizing insights from diverse perspectives, the objective is to provide a holistic understanding of taxation's pivotal role in fostering economic prosperity. In this comprehensive exploration, the paper aims to deepen scholarly understanding and offer valuable insights for policymakers, economists, and practitioners grappling with the complexities of taxation in the modern era.
FOSTERING DIGITAL FLUENCY: LIBRARIANS' TACTICS IN BRIDGING THE DIGITAL GAP AND MITIGATING DIGITAL MEMORY LOSS Novianty Djafri; Hadenan Towpek; Mohd Syahrin
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 1 No. 8 (2024): INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER)
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Fostering Digital Fluency: Librarians' Tactics in Bridging the Digital Gap and Mitigating Digital Memory Loss" delves into the multifaceted strategies librarians employ to address the challenges of digital literacy in today's rapidly evolving technological landscape. Through a comprehensive analysis of librarians' roles and initiatives, this study highlights the critical importance of fostering digital fluency among patrons. Librarians serve as crucial agents of change, leveraging their expertise and resources to provide educational programs, access to digital resources, and promotion of digital wellness. These tactics aim to empower individuals with essential digital skills, bridge the digital gap, and mitigate digital memory loss. The study underscores the significance of collaborative partnerships between libraries, community organizations, and stakeholders in amplifying the impact of digital literacy initiatives. Through collective efforts, these entities can address specific community needs and promote digital inclusion on a broader scale. Moreover, ongoing professional development and data-driven decision- making enhance librarians' effectiveness in fostering digital fluency and adapting to evolving technological trends. Ultimately, this research sheds light on the pivotal role of librarians in preparing individuals for success in an increasingly digital world. By equipping patrons with the necessary skills and knowledge to navigate the digital landscape confidently, librarians contribute to building a more equitable, informed, and digitally literate society.
MANAGEMENT OF SCHOOL AND COMMUNITY RELATIONS IN BUILDING A POSITIVE IMAGE OF SCHOOLS (CASE STUDY OF SDN 1 RATOLINDO) Suci Indasari; Novianty Djafri; Arwildayannto
International Journal of Teaching and Learning Vol. 3 No. 5 (2025): MAY
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This research aims to describe; (1) the role of school and community relations; (2) school and community relations strategy; and (3) the impact of school and community relations. This study used a qualitative approach with case study design. Data collection techniques through interviews, documentation studies, and observations. The data analysis process is carried out by collecting, condensing, presenting, and drawing conclusions/verification. The results of the research show that: (1) the role of school and community relations consisting of: relations, supporters, communicators, and publicists is carried out well, according to the results of the principal's management and support from the school community; (2) school and community relations strategies are carried out in various ways through internal and external programs, where internal programs include various activities within the school (meetings, completeness of infrastructure, developing teacher competency, placement of resources according to interests and talents, as well as publications via social media). External relations consist of several programs involving the general public and government agencies, either directly or indirectly; (3) the impact of school and community relations involving parties within the school or the wider community, this causes school members to become more confident and motivated, increased trust among internal parties, increasingly conducive relationships within the school, an increase in the image of the school's human resources, the number of relationships, complete facilities. And infrastructure. The impact outside the school that occurs, explains the branding and building of the school, increasing public interest, good competitiveness, creating satisfaction with parents, improving the school's image, and spreading positive information in the community.
BALANCING TECHNOLOGY AND HUMAN VALUES: A LITERATURE REVIEW ON THE TRANSFORMATION OF TEACHERS' ROLES IN SHAPING A GENERATION WITH CHARACTER AND EMPATHY IN THE ERA OF SOCIETY 5.0 Syamsu Qamar Badu; Novianty Djafri; Heldy Alam
International Journal of Teaching and Learning Vol. 2 No. 11 (2025): JULY
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The development of technology in the era of Society 5.0 has brought significant changes in the world of education, demanding the transformation of the role of teachers from mere conveyors of knowledge to facilitators, models, and inspirers of character. This research aims to review the literature related to efforts to balance the use of technology with the cultivation of human values, especially character and empathy, in the education process. Through a qualitative literature study, it was found that teachers have a central role in guiding students to be not only digitally proficient, but also emotionally and socially mature. Effective strategies include integrating character values into technology-based learning, strengthening digital literacy and ethics, and collaboration between school, family and community. The results of the study confirm that technology should be positioned as a tool to strengthen character learning, not replace it, so that education in the era of Society 5.0 can produce a generation with character, empathy and readiness to face global challenges.
Co-Authors Aat Ruchiat Nungraha Abd. Rasyid Syamsuri Abdul Aziz Bouty Abdul Haris Panai Abdul Haris PanaI Abdul Rahman Abdul Rahman Abdul Wahab Syakhrani Abdul Wahab Syakhrani Abdullah Ardi Agil Bahsoan Agus Triyono Agustini Agustini, Agustini Ahmad Abdi Yalida Ahmad Rizani Akhmadi Akhmadi Al- Amin Al-Amin Al-Amin Al-Amin Aloisius Harso Ambiyah, Sri Aminuyati ANDRI KURNIAWAN Ansar Anshar Made Antukai, Verawati Anuli, Deya Rahmatia H. Apriyanto A.J. Pauweni Arfan Arsyad Arfan Utiarahman Arfan Utiarahman Arfan Utuarahman Arifin Arifin Arifin Suking Arnes Yuli Vandika Arwildayannto Arwildayannto Arwildayanto, Arwildayanto Asmawati Asmawati Asna Aneta Assel, Hadi Yamin Astin Lukum Bambang Suharto Baso Intang Sappaile Besse Marhawati Bucky Wibawa Karya Guna Caroline Caroline Caroline Ceiezta Korlefura Ceiezta Korlefura Daniel Pasaribu DEWANTO Dewi Maharani Rachmaningsih Dharma Gyta Sari Harahap Diah Fatma Sjoraida Diah Fatma Sjoraida Dian Arlupi Utami Din, Maaz Ud Djupandang, Nurhardianti Ellina Rienovita Eralakaza, OURO BITASSE Erfan Hasmin Evi Hulukati Evi Hulukati FAHREZAL ZUBEDI Faiga Saleh Feronika Y. T, Alvita Fory Armin Nawai FORY NAWAY Franssisca, Meriyana Fryan Sopacua Gani, Delta Wahyuly Gustina Dali Hadenan Towpek Hadenan Towpek Hamzah B Uno Hariadi Said Harun, Windri Octavi Yani Hasrat A Aimang Hasyim Mahmud Wantu Heldy Alam Heldy Vanni Alam I Ketut Damana Ida Farida Ignatius Septo Pramesworo Ignatius Septo Pramesworo Ikhfan Haris Imam Mashudi, Imam Inombi, Susanti Intan Abdul Razak Isnanto Isnanto Isnanto Isnanto Iwan Ridwan Iwan Ridwan Judijanto, Loso Julinta Paulina Kahar, Muhammad Syahrul Karman Karman Karman Kasmudin Mustapa Khasanah Khasanah Kusno Setiadi Lamanila, Sistavin Lamatenggo, Nina Loso Judijanto Loso Judijanto M. Anton Fatoni Mardi Widodo Mardi Widodo Mardia Bin Smith Mardia Bin Smith Marhawati, Besse MARIA BINTANG Maryam Rahim Masaong, Abdul Kadim Masri Kudrat Umar Meilinda Lestari Modjo Meyke Alie Miftha Huljannah Mirna Sahrudin Mohamad Zubadi Mohamad Zubaidi Mohammad Edy Nurtamam Mohammad Edy Nurtamam Mohammad Edy Nurtamam, Mohammad Edy Mohammad Zubaidi Mohd Syahrin Mohd Syahrin Moligai, Nurfahmi Muh.Safar Muhamad Ruslan Layn Muhamad Stiadi Muhammad Hero Soepeno Muhammad Nurhisyam Ali Setiawan Muhammad Nurhisyam Ali Setiawan Muhammad Salahuddin Muhdi Late Mujahidin Mujahidin Mujahidin Muliyani Mahmud Mursalin Musa, Linda Budiarsi Mustopa Mustopa Nanang Roswita Paramata Nenni Triana Sinaga Ngiu, Zulaecha Nicodemus Lolonlun Nina Lamatenggo Noorhani Dyani Laksmi Noval K. Putra Daud Novianita Achmad Nur Mohamad Kasim Nurdayanti A. Rahman Nurfahmi Nurlia Djafar Nurlia Djafar Opan Arifudin Opan Arifudin Pakaya, Mohamad Melky Podungge, Sri Astuti PUPUNG PUSPA ARDINI Putriani L. Maliki Qamar Badu, Syamsu Radjak, Sri Wahyuni Ranat Mulia Pardede Rasid Yunus, Rasid Rauf A. Hatu Rosijanih Arbie Rusiadi Rusmin Husain Sallata, Olivia Melda Santosa, Tomi Apra Saripa Topaju Sarson W DJ Pomalato Sarson W. Dj. Pomalato SELVIANTI DAUD Sinaga, Nenni Triana Sindi Baco Sintyawati Kaaba Siska Dwi Yulianti Siska Dwi Yulianti Siti Rahma A. Lamadadju Siti Sumiati Siti Sumiati Sitti Nur Alam Sitti Rahmawati Talango Sitti Roskina Mas Solissa, Everhard Markiano Sopacua, Fryan Sri Agriyanti Mestari Suci Indasari Suci Indasari Sudarmo Sudarmo Sudarmo Suhana Sarkawi Sukini Sukini Sukini, Sukini Sukma Nurilawati Botutihe Sukma Nurilawati Botutihe, Isnanto Sutari Jusna Sutarto Sutarto Syamsu Qamar Badu Syamsu Qamar Badu Syamsu Qamar Badu Syamsu Qamar Badu Syamsu Qamar Badu, Mardia Bin Smith Syamsu Qomar Badu Syarifuddin Syarifuddin Syarifuddin Tanipu, Feybi Octaviani Tineke Wolok Tomi Apra Santosa Tomi Apra Santosa Tresna Kusumawati Tuti Wantu Usharani Khuntia Via Yustitia Warni Tune Sumar Wawan Iskandar Gani Wilda Rizkiyahnur Nasution Wiwin Yanti Aneta Yinarti Hida Zulaekah Zulaekah Zulaekah Zulaekah Zulfikar Rahman, Zulfikar Zulvia Trinova Zulystiawati Zulystiawati