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Sustainable Islamic Fintech Ecosystem: A Comparative Analysis Of Indonesia And Bangladesh firman, ahmad; Iskandar; Md. Mohi Uddin
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 2 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i2.6769

This article presents a comprehensive analysis of the integration of Financial Technology (FinTech) into the Islamic financial ecosystem in Indonesia, focusing on the paradox between its massive market potential and its still-low inclusive realization. The convergence of the world's largest Muslim population, a rapidly growing digital economy, and a developing sharia finance industry places Indonesia in a strategic position. However, behind the positive macro indicators, structural challenges are hindering widespread adoption, primarily due to low levels of Sharia financial literacy and inclusion. The key research gap identified is the lack of a systemic analysis linking the fragmentation of the regulatory framework, specifically the dualism between the Financial Services Authority (OJK) and the fatwas of the National Sharia Council-Indonesian Ulema Council (DSN-MUI), with the public trust deficit that hampers inclusion. Using qualitative methods through a comparative case study approach with Malaysia as a benchmark, this research finds that legal uncertainty arising from an incohesively integrated regulatory framework is the root cause of the low trust and effectiveness of literacy programs. These findings lead to strategic policy recommendations centered on regulatory harmonization to create legal certainty, a fundamental prerequisite for building a sustainable and inclusive Sharia FinTech ecosystem.

Membangun Kinerja Guru melalui Fasilitas Kerja, Beban Kerja dan Lingkungan Kerja pada UPTD SMAN Matakali Kabupaten Polewali Mandar Djabbar, Nurdiana; Firman, Ahmad; Latief, Fitriani; Asri, Asri
Jurnal Manajemen STIE Muhammadiyah Palopo Vol 11, No 2 (2025)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/jurman.v11i2.2625

ABSTRAKPenelitian ini dilakukan untuk menganalisis pengaruh Fasilitas Kerja, Beban Kerja, dan Lingkungan Kerja terhadap kinerja guru di UPTD SMAN Matakali Kabupaten Polewali Mandar. Penelitian ini melibatkan populasi seluruh guru di sekolah tersebut, dengan sampel 35 responden yang dipilih menggunakan teknik sampling jenuh. Teknik analisis data yang digunakan adalah regresi linear berganda dengan bantuan SPSS versi 26. Hasil analisis menunjukkan bahwa Fasilitas Kerja berpengaruh positif dan signifikan terhadap kinerja guru, dengan nilai t hitung 3.539 dan signifikansi 0.001. Sementara itu, Beban Kerja tidak menunjukkan pengaruh signifikan, dengan t hitung 0.589 dan signifikansi 0.560. Lingkungan Kerja juga berpengaruh positif dan signifikan terhadap kinerja guru, dengan t hitung 2.474 dan signifikansi 0.019. Secara simultan, ketiga variabel ini berkontribusi signifikan terhadap kinerja guru, dengan nilai F hitung 22.341 dan signifikansi 0.000. Adapun variabel yang paling dominan berpengaruh terhadap kinerja adalah variabel fasilitas kerja. Penelitian ini menegaskan pentingnya fasilitas yang memadai dan lingkungan kerja yang kondusif untuk meningkatkan kinerja guru di sekolah.Kata Kunci:Fasilitas Kerja, Beban Kerja, Lingkungan Kerja, Kinerja GuruABSTRACTThis research aims to analyze the influence of Work Facilities, Workload, and Work Environment on the performance of teachers at UPTD SMAN Matakali in Polewali Mandar Regency. The study involved the entire population of teachers at the school, with a sample of 35 respondents selected using a saturated sampling technique. The data analysis technique used was multiple linear regression with the assistance of SPSS version 26. The analysis results indicate that Work Facilities have a positive and significant effect on teacher performance, with a t-value of 3.539 and a significance level of 0.001. Meanwhile, Workload does not show a significant effect, with a t-value of 0.589 and a significance level of 0.560. The Work Environment also has a positive and significant effect on teacher performance, with a t-value of 2.474 and a significance level of 0.019. Simultaneously, these three variables contribute significantly to teacher performance, with an F-value of 22.341 and a significance level of 0.000. The most dominant variable affecting performance is Work Facilities. This study emphasizes the importance of adequate facilities and a conducive work environment to enhance teacher performance at the school.Keywords:Work Facilities, Workload, Work Environment, Teacher Performance

Efektivitas Kompetensi Digital, Pelatihan Berbasis Teknologi dan Inovasi Pembelajaran terhadap Kinerja Mengajar Dosen ITB Nobel pada Era Hybrid Work HS, Nurul Fuada Fatima; Firman, Ahmad; Asri, Asri
Al-Buhuts Vol. 21 No. 2 (2025): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v21i2.7048

This research aims to analyze the influence of Digital Competence, Technology-Based Training, and Learning Innovation on the Teaching Performance of ITB Nobel lecturers in the hybrid work era. The population in this study were all permanent lecturers at ITB Nobel Makassar who were actively teaching in the current semester, totaling 126 people. In determining the number of samples for this study, the researcher used the Slovin formula, which aims to obtain a proportional and representative sample size for the population. Based on the calculation results, a sample of 96 respondents was obtained, which was considered to have been able to accurately describe the characteristics of the population. This study used multiple linear regression analysis techniques or models with the help of SPSS 25 software. The results showed that the third variable, both partially and simultaneously, had a positive and significant effect on the teaching performance of lecturers, with a contribution of 75.4%. The Learning Innovation variable is the most dominant factor in improving lecturer performance in the digital era. This study provides an empirical contribution to the development of a lecturer performance improvement model based on digital competency and pedagogical innovation, as well as providing practical effectiveness for strengthening human resource capacity in higher education.

Determination to Improve the Quality of Human Resources in Public Elementary Schools through Free Nutritious Meal Programs, Talent Management, and Learning Environment Nur, Muhammad; Firman, Ahmad; Asniwati
Jurnal Informatika Ekonomi Bisnis Vol. 8, No. 1 (March 2026)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v8i1.1386

This study aims to analyze the determination to improve the quality of human resources in State Elementary Schools through the Free Nutritious Meal Program, talent management, and the quality of the learning environment. The study uses a quantitative approach with the Structural Equation Modeling–Partial Least Square (SEM-PLS) method. The research data was obtained through the distribution of questionnaires to teachers of State Elementary Schools in South Jakarta as research respondents. The results of the study show that the Free Nutritious Meal Program, talent management, and the quality of the learning environment have a positive and significant effect on the quality of human resources. These findings show that the improvement of the quality of human resources in basic education is not only influenced by academic factors, but also by the fulfillment of students' nutritional needs, systematic management of student potential, and a conducive learning environment. Therefore, the synergy between nutrition fulfillment policies, talent management development, and improving the quality of the learning environment is an important factor in supporting the development of human resources from school age.

Contribution of Leadership, Work Discipline, Work Motivation to the Performance of Experts of the Gerindra Faction of the House of Representatives of the Republic of Indonesia Syarif, Sulfiani; Firman, Ahmad; Latief, Fitriani
Jurnal Informatika Ekonomi Bisnis Vol. 8, No. 1 (March 2026)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v8i1.1392

This study aims to analyze the contribution of leadership, work discipline, and work motivation to the performance of Gerindra Party Faction Experts within the House of Representatives of the Republic of Indonesia. The performance of experts is an important factor in supporting the implementation of the legislation, supervision, and budgeting functions of the House of Representatives, so effective human resource management is needed to improve the quality of this performance. This study uses a quantitative approach with a survey method. Data collection was conducted by distributing questionnaires to 86 experts from the Gerindra Faction of the House of Representatives of the Republic of Indonesia. The data analysis technique used was multiple linear regression analysis with the help of the Statistical Package for the Social Sciences (SPSS) program. Before the regression analysis was carried out, a validity, reliability, and classical assumption test was carried out. The results of the study show that leadership, work discipline, and work motivation partially or simultaneously contribute positively and significantly to the performance of the Experts of the Gerindra Faction of the House of Representatives. Among the three variables, leadership is the variable that has the most dominant contribution to the performance of experts. The results of this research are expected to be input for faction leaders in improving the performance of experts through strengthening leadership, work discipline, and work motivation.

Determination to Improve the Quality of Human Resources in Public Elementary Schools through Free Nutritious Meal Programs, Talent Management, and Learning Environment Muhammad Nur; Ahmad Firman; Asniwati
Jurnal Informatika Ekonomi Bisnis Vol. 8, No. 1 (March 2026)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v8i1.1386

This study aims to analyze the determination to improve the quality of human resources in State Elementary Schools through the Free Nutritious Meal Program, talent management, and the quality of the learning environment. The study uses a quantitative approach with the Structural Equation Modeling–Partial Least Square (SEM-PLS) method. The research data was obtained through the distribution of questionnaires to teachers of State Elementary Schools in South Jakarta as research respondents. The results of the study show that the Free Nutritious Meal Program, talent management, and the quality of the learning environment have a positive and significant effect on the quality of human resources. These findings show that the improvement of the quality of human resources in basic education is not only influenced by academic factors, but also by the fulfillment of students' nutritional needs, systematic management of student potential, and a conducive learning environment. Therefore, the synergy between nutrition fulfillment policies, talent management development, and improving the quality of the learning environment is an important factor in supporting the development of human resources from school age.

Contribution of Leadership, Work Discipline, Work Motivation to the Performance of Experts of the Gerindra Faction of the House of Representatives of the Republic of Indonesia Sulfiani Syarif; Ahmad Firman; Fitriani Latief
Jurnal Informatika Ekonomi Bisnis Vol. 8, No. 1 (March 2026)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v8i1.1392

This study aims to analyze the contribution of leadership, work discipline, and work motivation to the performance of Gerindra Party Faction Experts within the House of Representatives of the Republic of Indonesia. The performance of experts is an important factor in supporting the implementation of the legislation, supervision, and budgeting functions of the House of Representatives, so effective human resource management is needed to improve the quality of this performance. This study uses a quantitative approach with a survey method. Data collection was conducted by distributing questionnaires to 86 experts from the Gerindra Faction of the House of Representatives of the Republic of Indonesia. The data analysis technique used was multiple linear regression analysis with the help of the Statistical Package for the Social Sciences (SPSS) program. Before the regression analysis was carried out, a validity, reliability, and classical assumption test was carried out. The results of the study show that leadership, work discipline, and work motivation partially or simultaneously contribute positively and significantly to the performance of the Experts of the Gerindra Faction of the House of Representatives. Among the three variables, leadership is the variable that has the most dominant contribution to the performance of experts. The results of this research are expected to be input for faction leaders in improving the performance of experts through strengthening leadership, work discipline, and work motivation.

The Effect of Human Resource Quality, Work Motivation, and Employee Engagement on The Performance of Experts of The House of Representatives of The Republic of Indonesia with The Certainty of Leadership Status as A Moderation Variable Ramli, Rusli; Firman, Ahmad; Latief, Fitriani
Jurnal Informatika Ekonomi Bisnis Vol. 8, No. 1 (March 2026)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v8i1.1393

This study aims to analyze the influence of human resource quality, motivation, and employee engagement on the performance of Experts of the House of Representatives of the Republic of Indonesia, with the certainty of personnel status as a moderating variable. The research method is a quantitative, employing Structural Equation Modeling (SEM) with Partial Least Squares (PLS) via SmartPLS 4.0. Data was obtained through the distribution of questionnaires to Experts of the House of Representatives of the Republic of Indonesia. The results of the study show that the quality of human resources, motivation, and employee engagement have a positive and significant effect on the performance of the Experts of the House of Representatives of the Republic of Indonesia. In addition, the certainty of employment status has been shown to moderate the relationship between human resource quality, motivation, and employee engagement and performance, thereby strengthening the influence of these three variables. Theoretically, this study strengthens the Job Demands–Resources (JD–R) Theory, by showing that the quality of human resources as personal resources as well as motivation and employee engagement, as part of the motivational process, contribute significantly to performance. In addition, the certainty of employment status acts as a job resource that strengthens the relationship between individual resources and performance, thereby enriching the literature on performance determinants in the public sector. This research emphasizes the importance of improving the quality of human resources, strengthening work motivation, and increasing employee engagement in an effort to improve the performance of the Experts of the House of Representatives of the Republic of Indonesia. On the other hand, the certainty of employment status is a strategic factor that can strengthen the effectiveness of these three variables in producing optimal performance.

The Effectiveness of the Supervisory Function of The House of Representatives of The Republic of Indonesia: The Role of Leadership Style, Program Management, and Inter-Institutional Coordination In The Agricultural Sector Haris; Firman, Ahmad; Latief, Fitriani
Jurnal Informatika Ekonomi Bisnis Vol. 8, No. 1 (March 2026)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v8i1.1394

This study aims to analyze the influence of leadership style, supervision program management, and inter-agency coordination on the effectiveness of the supervisory function of the House of Representatives of the Republic of Indonesia in the agricultural sector. This study uses a quantitative approach with a survey method through the distribution of questionnaires to 60 respondents of Expert Personnel of Commission IV of the House of Representatives of the Republic of Indonesia. Data were analyzed using multiple linear regression with the help of SPSS. The results of the study show that leadership style, supervision program management, and inter-agency coordination have a positive and significant effect on the effectiveness of the supervisory function, both partially and simultaneously. In addition, leadership style is the most dominant variable in increasing the effectiveness of the supervisory function. This study confirms that the effectiveness of legislative oversight is not only determined by formal authority but also by the internal capacity of institutions, particularly in aspects of leadership, program management, and coordination. Therefore, strengthening these three aspects is important in improving the quality of the supervisory function of the House of Representatives of the Republic of Indonesia in the agricultural sector.

The Effect of Human Resource Quality, Work Motivation, and Employee Engagement on The Performance of Experts of The House of Representatives of The Republic of Indonesia with The Certainty of Leadership Status as A Moderation Variable Rusli Ramli; Ahmad Firman; Fitriani Latief
Jurnal Informatika Ekonomi Bisnis Vol. 8, No. 1 (March 2026)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v8i1.1393

This study aims to analyze the influence of human resource quality, motivation, and employee engagement on the performance of Experts of the House of Representatives of the Republic of Indonesia, with the certainty of personnel status as a moderating variable. The research method is a quantitative, employing Structural Equation Modeling (SEM) with Partial Least Squares (PLS) via SmartPLS 4.0. Data was obtained through the distribution of questionnaires to Experts of the House of Representatives of the Republic of Indonesia. The results of the study show that the quality of human resources, motivation, and employee engagement have a positive and significant effect on the performance of the Experts of the House of Representatives of the Republic of Indonesia. In addition, the certainty of employment status has been shown to moderate the relationship between human resource quality, motivation, and employee engagement and performance, thereby strengthening the influence of these three variables. Theoretically, this study strengthens the Job Demands–Resources (JD–R) Theory, by showing that the quality of human resources as personal resources as well as motivation and employee engagement, as part of the motivational process, contribute significantly to performance. In addition, the certainty of employment status acts as a job resource that strengthens the relationship between individual resources and performance, thereby enriching the literature on performance determinants in the public sector. This research emphasizes the importance of improving the quality of human resources, strengthening work motivation, and increasing employee engagement in an effort to improve the performance of the Experts of the House of Representatives of the Republic of Indonesia. On the other hand, the certainty of employment status is a strategic factor that can strengthen the effectiveness of these three variables in producing optimal performance.

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