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Laba Asuransi Jiwa Syariah Ditinjau dari Beban Klaim, Hasil Investasi, Underwriting, dan Inflasi Cahya, Bayu Tri; Habibah, Muzayyidatul; Restuti, Dwi Putri; Hanifah, Umi; Jannah, Ulfiyatul
AKTSAR: Jurnal Akuntansi Syariah Vol 6, No 1 (2023)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/aktsar.v6i1.21222

Abstract

The profit-earning activity of an insurance company is important. Moreover, choosing a better variable can accurately assess the quality of the insurance company’s performance as illustrated by its profit. This study aims to empirically prove and interpret the effect of claim expenses, investment returns, underwriting, and inflation on profits. The population is a full Sharia life insurance company registered with the OJK for the 2016-2021 period, which was selected through purposive sampling and obtained from a sample of 30 annual financial reports. This research is quantitative research with a causality approach through hypothesis testing. The analysis was carried out through panel data regression analysis using EViews. The result of this study accepted one of the four hypotheses that investment returns affect sharia life insurance earnings. Conversely, claim expense, underwriting, and inflation do not affect sharia life insurance profits. Profit is a positive signal to influence outsiders’ assessment of the company’s performance. Proper management of funds can optimize sharia life insurance profits.   
Hubungan Affiliate Marketing dan Celebrity Endorse terhadap Keputusan Pembelian di TikTok Shop: Studi pada Gen Z Boyolali Zakina Eva Cahyani; Umi Hanifah; Adam Sasando
Jurnal Riset dan Inovasi Manajemen Vol. 3 No. 3 (2025): Agustus: Jurnal Riset dan Inovasi Manajemen
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jrim-widyakarya.v3i3.5388

Abstract

This study aims to evaluate the relationship between affiliate marketing and celebrity endorse on purchasing decisions at TikTok Shop among Generation Z in Boyolali. This research is motivated by the increasing use of TikTok as a popular online shopping medium among Gen Z, as well as the development of digital marketing strategies through affiliates and public figures. The population in this study includes Gen Z in Boyolali who have made purchases at TikTok Shop. A sample of 100 respondents was obtained through the Slovin formula calculation. This study uses a quantitative method, with an online questionnaire distributed through Google Forms. Data analysis was conducted using the SmartPLS 3.0 application to test the relationship between variables. The results of this study indicate a positive and significant relationship between affiliate marketing and celebrity endorse on purchasing decisions. This finding provides a theoretical contribution to strengthening the Theory of Planned Behavior in the context of digital marketing, as well as suggesting strategies for business actors in developing more effective promotions at TikTok Shop.
MERETAS AKTUALITAS ISLAMIC SOCIAL REPORT: SEBAGAI CORPORATE SOCIAL RESPONSIBILITIES FRAMING BERBASIS SYARIAH (DALAM PENDEKATAN FILOSOFIS) Cahya, Bayu Tri; Hanifah, Umi
BISNIS Vol 4, No 1 (2016): BiSNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v4i1.1693

Abstract

This article analysed the concept of islamic social developmentreport as a frame of sharia-based corporate socialresponsibilities. The study was conducted by library researchbased on previous studies and related literature. The resultsindicated that the concept of social islamic report was based onthe philosophy of good governance and corporate socialperformance reporting standard that takes into account theaspects of material, moral, and spiritual in reporting. Inparticular, this index is an extension of social performancereporting standards which include society's expectations notonly about the role of corporations in the economy, but also thecompany's role in the spiritual perspective. Besides the indexalso places emphasis on social justice related to theenvironment, the rights of minorities, and employees.Finally,syariah framework is part of a corporate strategy aimed at thesustainability of the company, providing benefits to thecommunity and participate in the social interest.
استراتيجية إقامة الجولة العربية لزيادة الدافعية في تعلم مهارة الكلام لدى طلاب دار اللغة العربية والفقه السلفي بمعهد النقاية الإسلامي بمنطقة لاتي: The Implementation Strategy of Jaulah ‘Arabiyah to Enhance Learning Motivation in Speaking Skills (Mahārat al-Kalām) among Students of Darul Lughah Al-‘Arabiyah wa Al-Fiqh As-Salafi Annuqayah Latee Islamic Boarding School Masturi Masturi; Kamal Yusuf; Umi Hanifah; Alif Alvian Mawaddi Hamid; Moh. Al Fayyadh
Journal of Arabic Language Teaching Vol. 5 No. 1 (2025): ARKHAS ~ Journal of Arabic Language Teaching
Publisher : Postgraduate Study Programme of Universitas Islam Negeri KH. Achmad Siddiq Jember, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/arkhas.v5i1.2270

Abstract

Learning speaking skills is an essential aspect in Islamic boarding schools, particularly at Darul Lughah Al-‘Arabiyah wa Al-Fiqh As-Salafi Annuqayah Latee. However, many students are not motivated to develop speaking skills because they feel bored with the learning content, which hinders the process. While many studies have explored learning motivation, little research has focused on the implementation strategy of Arabic competition, especially in this pesantren. This study aims to examine the implementation strategy of Arabic competition and to identify the supporting and inhibiting factors affecting its practice. A qualitative field research design with a descriptive approach was employed, using observations and interviews with mentors and students. Data were analyzed through data reduction, display, and conclusion drawing to obtain a comprehensive understanding of the practice. The findings show that the implementation of Arabic competition consists of three stages: preparation, implementation, and evaluation. Although both supporting and inhibiting factors were found, the supporting factors were more dominant in increasing students’ motivation to speak Arabic. This research contributes to the study of Arabic language learning strategies in Islamic boarding schools and offers a practical model that can be adapted to increase motivation to speak Arabic. دراسة مهارة الكلام من الجوانب المهمة في التعليم داخل المعاهد الإسلامية، خاصة في دار اللغة العربية والفقه السلفي النقاية لاتي. ومع ذلك، فإن العديد من الطلاب غير متحفزين لتطوير مهارة الكلام لأنهم يشعرون بالملل من محتوى التعلم، مما يعيق العملية التعليمية. على الرغم من وجود العديد من الدراسات التي تناولت دافعية التعلم، إلا أن القليل منها ركّز على استراتيجيات إقامة المسابقة العربية، وخصوصًا في هذا المعهد. تهدف هذه الدراسة إلى دراسة استراتيجيات إقامة المسابقة العربية، بالإضافة إلى دراسة العوامل المساعدة والمعوقة في إقامتها. تم استخدام تصميم بحثي ميداني نوعي بالنهج الوصفي، من خلال الملاحظة والمقابلات مع المشرفين والطلاب. وتم تحليل البيانات عبر خطوات تقليص البيانات، وعرضها، واستنتاج النتائج للحصول على فهم شامل للممارسة. أظهرت نتائج البحث كما يلي: إقامة المسابقة العربية بدار اللغة العربية والفقه السلفي لها المراحل الثلاثة: المرحلة الاستعدادية والمرحلة الإجرائية والمرحلة التقييمية، وإقامة المسابقة العربية لزيادة الدافعية في تعلم مهارة الكلام لها العوامل المساعدة والمعوّقة، والعوامل المساعدة لها تأثير إيجابي أكثر بالنسبة من العوامل المعوّقة. تسهم هذه الدراسة في إثراء بحوث استراتيجيات تعليم اللغة العربية في المعاهد الإسلامية، وتقدّم نموذجًا عمليًا يمكن تكييفه لتعزيز دافعية مهارة الكلام في اللغة العربية.
Peran Literasi Keuangan Digital dan Efisiensi Penggunaan E-money dalam Membentuk Perilaku Konsumtif Mahasiswa Gen-Z di Perguruan Tinggi Surakarta Shelly Nur Oktavia; Novemy Triyandari Nugroho; Umi Hanifah
TSARWAH Vol. 11 No. 1 (2026): June
Publisher : PROGRAM STUDI EKONOMI ISLAM PROGRAM PASCASARJANA IAIN SULTAN MAULANA HASANUDDIN BANTEN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/tsarwah.v11i1.13087

Abstract

Perkembangan teknologi digital mendorong peningkatan penggunaan e-money di kalangan pelajar Generasi Z. Kemudahan dan efisiensi layanan pembayaran digital memberikan manfaat dalam aktivitas transaksi, tetapi juga berpotensi meningkatkan perilaku konsumtif jika tidak diimbangi dengan literasi keuangan digital yang memadai. Penelitian ini bertujuan menganalisis pengaruh literasi keuangan digital dan efisiensi penggunaan e-money terhadap perilaku konsumtif mahasiswa Generasi Z pada perguruan tinggi di Surakarta. Penelitian menggunakan pendekatan kuantitatif dengan teknik purposive sampling. Sampel penelitian terdiri atas 96 mahasiswa aktif Universitas Sebelas Maret dan Universitas Slamet Riyadi yang menggunakan e-money. Data dikumpulkan melalui kuesioner berbasis skala Likert dan dianalisis menggunakan regresi linier berganda dengan bantuan IBM SPSS 27. Hasil penelitian menunjukkan bahwa literasi keuangan digital berpengaruh terhadap perilaku konsumtif mahasiswa. Efisiensi penggunaan e-money juga berpengaruh positif terhadap perilaku konsumtif. Pengujian simultan menunjukkan bahwa literasi keuangan digital dan efisiensi penggunaan e-money secara bersama-sama berpengaruh signifikan terhadap perilaku konsumtif mahasiswa. Variabel penelitian mampu menjelaskan sebesar 40,5% variasi perilaku konsumtif, sedangkan 59,5% dipengaruhi oleh faktor lain di luar penelitian. Penelitian ini menunjukkan bahwa peningkatan pemanfaatan layanan keuangan digital perlu diimbangi dengan penguatan literasi keuangan agar penggunaan teknologi pembayaran digital berlangsung secara bijaksana dan tidak mendorong perilaku konsumtif yang berlebihan.
Embroidering Innovation in Madrasah Tsanawiyah Arabic Curriculum: Teacher's Perspective as Learning Architect/Menghadirkan Inovasi dalam Kurikulum Bahasa Arab Madrasah Tsanawiyah: Perspektif Guru sebagai Arsitek Pembelajaran Metha Kusuma Dewi; Umi Hanifah; Wildanul Ihsan
Loghat Arabi : Jurnal Bahasa Arab dan Pendidikan Bahasa Arab VOL 6, NO 2 (DESEMBER 2025): LOGHAT ARABI
Publisher : Universitas Islam DDI AGH Abdurrahman Ambo Dalle Polewali Mandar, Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36915/la.v6i2.477

Abstract

Arabic language instruction at the Madrasah Tsanawiyah level faces growing challenges in staying relevant and meaningful for students in today’s dynamic world. A rigid and overly standardized curriculum often hinders students from engaging with the language in a practical and contextual way. In this situation, teachers are increasingly expected to act not only as curriculum implementers but also as creative designers of learning experiences. This study aims to explore conceptually how Arabic language teachers can serve as agents of innovation in curriculum development at the Madrasah Tsanawiyah level. Using a library research approach, the study draws upon various scholarly works, curriculum documents, and educational policies to build a comprehensive understanding of the teacher’s role in shaping innovative learning practices. The analysis employs content analysis techniques to uncover key ideas related to innovation strategies and the role of teachers in curricular design. The study concludes that empowering teachers as contextual curriculum designers, fostering innovation beyond technological tools, and supporting reflective practice are essential for addressing the challenges in Arabic language instruction.Pembelajaran Bahasa Arab di Madrasah Tsanawiyah saat ini dihadapkan pada tantangan untuk tetap relevan dengan perkembangan zaman. Kurikulum yang kaku dan tidak kontekstual sering kali menyulitkan siswa dalam memahami dan mengaplikasikan bahasa secara fungsional. Dalam situasi seperti ini, guru tidak lagi cukup berperan sebagai pelaksana semata, tetapi juga dituntut menjadi perancang pembelajaran yang kreatif dan responsif terhadap kebutuhan siswa. Penelitian ini bertujuan untuk mengkaji secara konseptual bagaimana guru dapat berperan sebagai agen inovasi dalam pengembangan kurikulum Bahasa Arab di Madrasah Tsanawiyah. Dengan menggunakan metode studi kepustakaan, kajian ini menelaah berbagai literatur, kebijakan, dan dokumen akademik yang relevan untuk membangun pemahaman yang utuh tentang peran strategis guru dalam menciptakan pembelajaran yang lebih bermakna. Analisis dilakukan melalui pendekatan analisis isi guna menemukan gagasan-gagasan utama terkait strategi inovasi dan peran guru dalam konteks kurikulum. Hasil kajian ini menegaskan pentingnya peran guru sebagai perancang kurikulum yang kontekstual, menunjukkan bahwa inovasi tidak harus berbasis teknologi, serta menekankan perlunya refleksi diri dan dukungan sistemik bagi guru dalam menghadapi tantangan pembelajaran Bahasa Arab.
The Implementation of Mind Mapping in Arabic Speaking skills for University Students Ida Miftakhul Jannah; Umi Hanifah; Mohamad Thohir
Lisanudhad: Jurnal Bahasa, Pembelajaran dan Sastra Arab Vol. 10 No. 2 (2023): Lisanudhad: Jurnal Pendidikan Bahasa, dan Sastra Arab
Publisher : Department of Arabic Teaching, Faculty Tarbiyah, Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to describe the implementation of mind mapping in the learning process of Arabic speaking skills. This research is qualitative research conducted at the Arabic Language Departement (PBA) at UIN Sunan Ampel Surabaya with a purposive sample of second-semester student. The results of this study showed, that the process of learning Arabic speaking skills using mind mapping in PBA Sunan Ampel is carried out in two stages. The first stage is making a mind map based on the theme that they have listened. In the second stage, after the students have finished making the main idea in the form of the mind mapping, the students practice Arabic speaking based on themes listened and what has been written in mind mapping. The students were able to describe and present themes verbally properly, completely, and coherently with the help of mind mapping. This mind mapping is in the form of mind ideas which are written in curved lines, colorful, and using symbols coherently starting from the first idea to the end of the theme. With this mind mapping, students can easily tell the theme. But there are a few obstacles experienced by students whose vocabulary is still limited. The solution for students who still lack mastery of their vocabulary is by writing important vocabularies related to the theme being studied in each main idea written in the mind mapping. This way is well in helping them to describe and present the theme.
Total Physical Response Method dalam menguasai mufradat pada Siswa MI Ihyaul Ulum Gresik Nurul Islamiyah; Ahmad Faisal Zam Ani; Umi Hanifah
Muróbbî: Jurnal Ilmu Pendidikan Vol. 9 No. 1 (2025): Maret
Publisher : Fakultas Tarbiyah Institut Agama Islam Bani Fattah Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52431/murobbi.v9i1.3575

Abstract

The purpose of this study is to examine the Total Physical Response (TPR) method in mastering vocabulary among students at MI Ihyaul Ulum Gresik. This research employs a quantitative approach with a quasi-experimental design using a control group pre-test and post-test approach. The study Subject consists of 20 students from Class A as the experimental group and 36 students from Class B as the control group. The data collection techniques used in this study include observation, interviews, documentation, and questionnaires. Meanwhile, the data analysis techniques employed consist of descriptive and inferential analysis. The research results indicate that before the treatment (pretest), the average vocabulary mastery score of students in the experimental class was 67.65, while in the control class, it was recorded at 67.05. After applying the Total Physical Response method, the average score in the experimental class increased to 85.35. Inferential analysis revealed a significant difference between the pretest and posttest results, with a significance value (p-value) of 0.000 < 0.05. This study proves that the Total Physical Response method is effective in improving vocabulary mastery among fifth-grade students at MI Ihyaul Ulum Gresik.
Implementation of the Mimicry-Memorization Method through flashcards in learning Arabic vocabulary Desy Abidatus Sholihah; Umi Hanifah
JURNAL IJ-ATL Vol 9, No 2 (2025): Arabic Teaching And Learning
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/ijatl.v9i2.12541

Abstract

Arabic vocabulary mastery is a critical factor in developing students’ language competence and communication skills. This study aimed to examine the implementation of the Mimicry-Memorization method assisted by flashcards to enhance Arabic vocabulary learning. The research employed a qualitative phenomenological case study involving eighth-grade students, an Arabic teacher, and the school principal. Data were collected through participant observation, in-depth interviews, and documentation, then analyzed using interactive data analysis and triangulation to ensure validity. Findings revealed that integrating Mimicry-Memorization with flashcards increased students’ motivation, fostered interactive classroom participation, and improved vocabulary retention, as evidenced by worksheets, quizzes, and classroom activities. The study’s novelty lies in combining auditory imitation, structured repetition, and visual stimuli to create a holistic learning approach. Practically, the findings provide guidance for teachers to design engaging, student-centered vocabulary lessons. The research implies that multimodal strategies can enhance language acquisition and support long-term retention in Arabic learning.
Implementasi Gemini AI dalam Pembelajaran Maharah Kalam di Lembaga Kursus Bahasa Arab Agni, Dagi Mardhan Agae; Hanifah, Umi
ARZUSIN Vol 6 No 4 (2026): AGUSTUS
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i4.10255

Abstract

Although artificial intelligence in language learning has received attention in various studies, research that specifically discusses the implementation of Gemini AI in Arabic language learning, particularly in the development of oral communication skills in nonformal course institutions, remains limited. This study aims to explore the implementation of Gemini AI-based AI-Based Arabic Learning in improving Arabic oral communication skills and to formulate a conceptual model of artificial intelligence-based Arabic language learning in the context of nonformal education. This study employed a qualitative approach with a descriptive case study design. The research informants consisted of seven individuals selected through purposive sampling. Data were collected through semi-structured interviews, observation, and documentation and were then analyzed using the Miles and Huberman interactive analysis model through the stages of data reduction, data presentation, and thematic conclusion drawing. The results showed that the implementation of Gemini AI was able to create more interactive, flexible, and communicative Arabic language learning through voice interaction, speech recognition, and automatic feedback features. The use of artificial intelligence also helped increase students’ speaking confidence, learning motivation, intensity of communication practice, and self-regulated learning. In addition, this study produced a conceptual model of AI-Based Arabic Learning that includes communicative learning based on voice interaction, an automatic feedback system, flexible learning based on personal devices, the integration of artificial intelligence with face-to-face learning, and adaptive learning according to students’ abilities. These findings contribute to the development of Artificial Intelligence in Education (AIEd) studies, particularly in oral communication-based Arabic language learning, and broaden understanding of the implementation of generative artificial intelligence in nonformal educational institutions. The conclusion of this study affirms the importance of artificial intelligence as a pedagogical assistant in creating communicative, adaptive, and learner-centered Arabic language learning. The implications of this study include theoretical contributions to the development of artificial intelligence-based language learning literature and practical implications for Arabic language education institutions in designing more flexible, personal, and interactive learning systems. This study also opens opportunities for further research on adaptive AI learning, multimodal artificial intelligence, and testing the effectiveness of Gemini AI in Arabic language learning through quantitative or mixed-methods approaches.
Co-Authors ., Andriyansyah A'imah, Syarifatul Ab. Aziz Bin Sulaiman Abd. Azis, Abd. Abdul Gofur, Muhamad Abdul Wahab Naf'an Abdullah Baihaqi Abdurrahman, Zahron Adam Sasando Adit Afrizal Fauzan Aditya Putra Pamungkas Affandi, Johan  Agni, Dagi Mardhan Agae Agus Suyatno Agus Suyatno Ahmad Faisal Zam Ani Ahmad Shofiyyul Mubarok Asikin Ahmad Yanif Firdaus Ahmad Zeid Ardiansyah Alallah, Ikhlasul Amal Alfisyah Alfisyah Ali Mudlofir Alif Alvian Mawaddi Hamid Amelia Putri, Friska Amelia Putri Andi Taufan Anggie Maulidia Anisah Firdausi Aprilianti Pratiwi Ardiansyah, Ahmad Zeid Arifah, Tri Hanum Arsiva Alifia Gati Asyiqin, Nor' Aulia Agustin Barid, Bintan Nuruzzakiyah Bayu Tri Cahya Bernadet Dinar Ayu Kristanti Bintan Nuruzzakiyah Barid Binti Adam, Zalika Bunga Anggelina Putri Chusna, Ufiq Ashfiyatul Desy Abidatus Sholihah Devi Sulistyaningrum Devita Siska Kusuma Wardani Dhea , Ayu Resky Dian Nurkholiza Putri Doddy A. Darmajana Eka Kurnia Patmasari Erimson Siregar Erna Chotidjah Suhatmi Ety Meikhati Faiqoh Fajar Juliantono fauziyah, luqi Felix Surya Rasendria Feriansyah Sesunan Firdaus, Nida Anisah Friska Amelia Putri Gita Diah Prasasti Habib Abdul Halim Habibah, Muzayyidatul Hairani Hairani Haji Abdullah, Hajah Rafidah binti Haryanto , Zelania In Hidayah, Muhfidatul Winda Winda Huda, Hisbullah Humairoh, Sitti Wardatul HUSNUL ABDI I Ketut Budayasa Ida Miftakhul Jannah Ilzam, Ahmadur Inayah, Ine Inayah Intan Safitri, Intan Jannah, Ulfiyatul Jauharoh, Titin Joharman Joharman Kamal Yusuf KHOIRUL ANAM Khoirun Nisa Alwachidah Lestari, Retna Dewi Linura Tuada Luddin, Jalal Luqi Fauziyah M Baihaqi Maftukh Ghulam Maharani, Nadila Putri mahmudi, imam Maisyanah Makarima, Naeli Mar&#039;atus Sholikah Masturi Masturi Mawaddah, Abdilah Lina Afifah Meila Weeke Alfulana Metha Kusuma Dewi Mhd Zakiul Fikri Miftakhul Jannah Miranti, Liana Moh. Al Fayyadh Mohammad Thoha Mufidah, Nur Muflihah Muflihah Muflihah Muftiyanto, Taufiq Nur Muhammad Khafid Muhammad Thohir Mukhoiyaroh, Mukhoiyaroh Nadiroh, Umi Natasia, Bella Nerra Nur Elvandari Niesa Hanum Mistoro Ning Mukaromah Ningsih, Ayu Widya Nok Afifah Novemy Triyandari Nugroho Novrinaldi Novrinaldi Nurul Hadi Nurul Hidayah Almubarokah Nurul Islamiyah Nurul Safitri Nurvianti, Nurvianti Pranawa, Rahmat Dandan Puji Alawiyah Putri Intan Prastiwi Putri, Retno Karunia Qurrota A'yun RADEN SULAIMAN Rahajeng Risma Rahmat Dandan Pranawa Rangga Firdaus Ratih Paramitasari, Ratih Ratna Hidayah Restuti, Dwi Putri Ria Yunitasari Rifki Baskara Kuncorojati Risma Kartika Riza Rifia Rohmawati, Anis Nur Diah Salsabilla, Nurhanifah Sari, Dita Apriliana SEPTIAN DWI CAHYO Setiawati, Anandita Galuh Shelly Nur Oktavia Siti Julaikha Siwi, Puput Ranu Suhartono Suhartono Suhatmi, Erna Chotidjah Sujanah, Inu Sulfiatin, Sulfiatin Syafi’I Syafi’i Syafi’i Syafi’i, Syafi’i Taufikur Rohman Thohir, Mohamad Ulfida Aisya Laishela Utomo Hadibroto, Joko Vanisa Ratna Sari Vanisa Ratna Sari Wahyuningsih, Rita Wayan Suana Widiyani, Tri Purna Wildanul Ihsan Windi Shilvia Puspitasari Wulandari, Inayah Yuyun - Widyawati Zainal Abidin Hajib Zainal Abidin Hajib Zakina Eva Cahyani Zheefa Billqisth Al-Hafi Zuliyah Safitri