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Analisis Kesulitan Belajar Bahasa Arab dalam Keterampilan Menulis pada Siswa Kelas VII MTs Hifzhil Qur’an Islamic Centre Medan Hafisah Perangin-Angin; Harun al Rasyid
EduInovasi:  Journal of Basic Educational Studies Vol. 4 No. 2 (2024): EduInovasi:  Journal of Basic Educational Studies (In Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/edu.v4i2.3056

Abstract

This article explains the analysis of difficulties in writing skills (Mahârah al-kitâbah) in class VII students at Mts Hifzhil Qur'an Islamic Center Medan. The purpose of this research is to analyze what difficulties students are experiencing in learning Arabic regarding writing skills. This research uses a qualitative method with a descriptive approach. Descriptive research intends to analyze, define and obtain facts based on a certain perspective or state of mind. To obtain information, researchers used data collection procedures through observation, interviews, and documentation. The findings from this research show that students' difficulties in learning Arabic writing skills are influenced by five factors consisting of internal and external factors, namely, first, the students' lack of memorizing Arabic vocabulary. second, the lack of student interest in learning Arabic. Third, students come from various different elementary school educational backgrounds. Fourth, there are guidebooks for learning Arabic that do not suit students' abilities, and fifth, there is no special method for students to practice writing Arabic. From the writing that researchers have written, this can be an example in learning Arabic for students' writing skills, and can provide new insights in developing more effective learning.
The Effect of Digital Financial Literacy in Mediating Hedonic Values And Risk Perception on The Intention To Invest in Gold Eka Nurkusuma Priaswidya; Nurhidayah; Harun Al Rasyid
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9322

Abstract

Investing in gold can be a good choice for protecting wealth and diversifying portfolios. Although there are risks involved, many investors view gold as a stable and safe asset. Hedonic values are one factor influencing people's decisions to invest in gold during the recent period of economic uncertainty. Most people purchase gold based on their desires rather than their needs. The influence of risk perception on gold investment is an important aspect that investors need to understand. Although gold is often considered a safe asset, this investment still has various risks that can affect the value and returns of the investment in the long term. Digital literacy is one of the factors required by a person in carrying out investment activities. By accessing information using digital literacy, individuals can learn about current events and predict potential risks. Improving digital literacy can contribute positively to investing, especially gold investment.
The Effect Of Electronic Word Of Mouth And Company Image On Customer Loyalty To Indonesian Sharia Banks With Satisfaction As An Intervening Variable Samapta Rahma Aji; Nurhidayah; Harun Al Rasyid
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9333

Abstract

This study analyzes the effect of Electronic Word of Mouth (EWOM) and Company Image on Customer Loyalty, with Customer Satisfaction as an intervening variable at Bank Syariah Indonesia (BSI) KCP Batu Diponegoro. The background of this study is the importance of customer loyalty amid digital banking competition. This quantitative study uses an explanatory design with 150 BSI customer respondents, selected through accidental sampling. The data were analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) with SmartPLS 4.0. The results show that EWOM and Corporate Image have a positive and significant effect on Customer Satisfaction and Loyalty. Customer Satisfaction also has a significant effect on Customer Loyalty. The most important finding is that Customer Satisfaction significantly mediates the relationship between EWOM and Corporate Image on Customer Loyalty. It is concluded that EWOM and Corporate Image are drivers of loyalty, but their impact is significantly strengthened when both factors are successfully converted into a satisfying customer experience. Banks are advised to actively manage their digital reputation and improve service quality to ensure satisfaction