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All Journal Eralingua : Jurnal Pendidikan Bahasa Asing dan Sastra Al-Kharaj: Journal of Islamic Economic and Business Referensi Islamika: Jurnal Studi Islam
Adzil Arsyi Sabana
Institut Agama Islam Negeri Kendari
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media

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Student's Progressive Perception And Learning Experience: Efficiency Of Self-Examination Simulation Platform In English Learning (ELT) Ilfan Askul Pehala; Adzil Arsyi Sabana; Ahmad Ahmad
Eralingua: Jurnal Pendidikan Bahasa Asing dan Sastra Vol 6, No 1 (2022): ERALINGUA
Publisher : Makassar State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/eralingua.v6i1.23058

Abstract

Abstract. This article aims to analyze and describe students' progressivity in the English lecture. Progressivity is based on changes in perception variables and learning experiences based on the efficiency of using TOEFL AIO and CBT E-Learning. We followed descriptive qualitative design approach, using reflection sheet in questions to collect data who involved 77 students as participants through purposive sampling. Data was collected through the distribution of questions in reflection by using a combination of Open-ended and Close-ended Questions. The data were analyzed by coding to the variables and Spradley's ethnoscience analysis in describing the data by looking at the domain, taxonomy, and componential and expanding the interpretation by looking at the cultural themes of the existing data as main thematic analysis. The results show students believe that mental progressivity and student cognition that affect changes in student perceptions and learning experiences previously tended negative to progressive. Besides, they also believe the lecturers, as the main key role, determine whether there is progress or not and the application or platform will not play a role without the flexibility of the lecturer in the classroom. Then, the efficiency of the application and platform will impact students if the lecturer can make changes to student beliefs that have a domino effect on anxiety and internal motivation through a casual-contextual approach according to the perspective of the students themselves. As conclusion, this experience and progressivity were evaluated positively by them as long as ELT learning process activity puts students at the center and see how their perspectivesKeywords: Progressivity, Perception, Learning Experience, Platform And Application Efficiency
Financial Bank: Tabungan Dan Giro Mempengaruhi Laba Bersih “Studi Kasus Bca Syariah” Adzil Arsyi Sabana
Al-Kharaj: Journal of Islamic Economic and Business Vol 3, No 1 (2021)
Publisher : IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v3i1.3776

Abstract

Tujuan dari penelitian ini adalah untuk mengidentifikasi sejauh mana pengaruh tabungan wadiah dan giro wadiah terhadap laba bersih pada PT Bank BCA Syariah dari tahun 2012-2021. Penelitian ini menggunakan data sekunder yang diperoleh melalui situs web resmi bank BCA Syariah dan sampel yang diambil adalah laporan tahunan Bank BCA Syariah dari tahun 2012 hingga 2021. Data yang terkumpul dianalisis menggunakan metode pengujian asumsi klasik, pengujian regresi linear berganda, dan pengujian hipotesis.Hasil penelitian menunjukkan bahwa tabungan wadiah memiliki pengaruh positif namun tidak signifikan terhadap laba bersih dengan nilai t-hitung sebesar 0,541 dan sig. > α yaitu 0,606 > 0,05. Sementara itu, giro wadiah berpengaruh positif dan signifikan terhadap laba bersih dengan nilai t-hitung sebesar 3,7299 dan sig. < α yaitu 0,007 < 0,05. Selain itu, tabungan wadiah dan giro wadiah secara bersama-sama memiliki pengaruh positif dan signifikan terhadap laba bersih dengan nilai F-hitung sebesar 27,293 dan sig. < α yaitu 0,000 < 0,05.
BUSINESS DIGITALIZATION AND SME PERFORMANCE IN EMERGING MARKETS: A PLS-SEM ANALYSIS AND SHARIA PERSPECTIVE FROM SOUTHEAST SULAWESI, INDONESIA Ummi Kalsum; Adzil Arsyi Sabana; Miswar Rohansyah
Referensi Islamika: Jurnal Studi Islam Vol. 3 No. 2 (2025): DECEMBER
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v3i2.547

Abstract

This study examines the impact of business digitalization on Small and Medium Enterprise (SME) performance in Southeast Sulawesi, Indonesia, while investigating the mediating roles of SME characteristics and owner-manager attributes. It also incorporates a sharia economic perspective by exploring how halal compliance, ethical business practices, and Islamic value-based governance support sustainable SME performance within the regional Islamic economic ecosystem. Employing a mixed-methods sequential explanatory design, this research collected quantitative data from 387 SME owner-managers through stratified random sampling across 17 districts/cities in Southeast Sulawesi. Partial Least Squares Structural Equation Modeling (PLS-SEM) using SmartPLS 4.0 analyzed the hypothesized relationships. Qualitative data from 24 in-depth interviews and focus group discussions with 6 groups (8–10 participants each) enriched the quantitative findings, including insights into the adoption of halal practices and sharia-based business principles. Results reveal that business digitalization significantly and positively affects SME performance (β = 0.489, t = 9.847, p < 0.001). Owner-manager characteristics demonstrate substantial direct effects on digitalization (β = 0.412, t = 8.234, p < 0.001), while SME characteristics show moderate effects (β = 0.287, t = 5.642, p < 0.001). The external environment partially moderates the digitalization-performance relationship (β = 0.156, t = 3.127, p < 0.01). The model explains 52.4% of the variance in SME performance (R² = 0.524) with strong predictive relevance (Q² = 0.387). From a sharia perspective, SMEs that integrate halal certification, ethical compliance, and trust-based transactions tend to demonstrate stronger performance and market acceptance. This study contributes to the limited literature on SME digitalization in Indonesian emerging markets by providing empirical evidence through rigorous PLS-SEM analysis. The integration of Actor-Network Theory with technology adoption frameworks offers a novel theoretical lens for understanding digitalization dynamics in resource-constrained contexts. Furthermore, by embedding Islamic economic principles, this study highlights the role of sharia compliance in enhancing SME competitiveness, supporting the development of a sustainable and inclusive halal economic ecosystem.
Co-Authors Ahmad Ahmad Ilfan Askul Pehala Miswar Rohansyah Ummi Kalsum