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Penetapan Margin Dan Nisbah Bagi Hasil Pada Pembiayaan Mudharabah Pratama, Gama; Inayah, Inayah; Haida, Nur
Ecobankers : Journal of Economy and Banking Vol. 4 No. 1 (2023): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v4i1.1147

Abstract

Penelitian ini dilatar belakangi oleh kondisi bahwa koperasi syariah menjanjikan suatu sistem operasional yang lebih adil dalam penetapan margin. Khususnya yang ada pada sistem profit loss sharing (bagi hasil) seperti mudharabah. Namun dalam perjalanannya, produk pembiayaan dengan mudharabah ini masih termarginalkan (tersisihkan) dan yang muncul ke permukaan adalah produk simpan minjam seperti murabahah. Yang tentunya masih dikhawatirkan publik sebagai upaya yang belum maksimal dijalankan. Adapun rumusan masalah yang diangkat yakni proses penetapan margin, metode perhitungan margin keuntungan dan nisbah, dan juga faktor apa saja yang menjadi pertimbangan dalam penetapan margin pembiayaan murabahah dan mudharabah dan yang lebih diminati dari pembiayaan murabahah atau mudharabah dilihat dari keunggulan dan kelemahannya di KSPPS BMT NU Artha Berkah. Penelitian ini bertujuan untuk mengetahui proses penentuan margin, perhitungan rasio bagi hasil (Profit sharing ratio), metode perhitungan margin murabahah, dan untuk mengetahui faktor-faktor apa saja yang menjadi pertimbangan oleh KSPPS BMT NU Artha Berkah dalam menentukan keuntungan dari margin Murabahah dan keuntungan dari rasio bagi hasil Hasil penelitian ini menemukan bahwa metode perhitungan margin murabahah menggunakan metode flat sedangkan perhitungan rasio bagi hasil (Profit Sharing Ratio) menggunakan metode pendapatan. Dan faktor-faktor yang menentukan margin dan rasio bagi hasil adalah proses pembiayaan, jumlah nominal (plafond), jangka waktu, persentase margin murabahah, metode rincian angsuran penetapan margin pembiayaan.
The Educational Environment According to the Qur'an and Hadith: Perspectives and Implications: (Integrasi Sanad dalam Penafsiran Kontekstual Al-Qur’an: Sebuah Perspektif Berbasis Maqasid) Inayah, Inayah; Ali, Moh; Hidayat, Ade; Yuniartin, Titin
Al Muhafidz: Jurnal Ilmu Al-Qur'an dan Tafsir Vol. 5 No. 2 (2025): Available online since 26 August 2025
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LP2M) Sekolah Tinggi Ilmu Al-Qur'an Al Multazam Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57163/almuhafidz.v5i2.169

Abstract

The educational environment in Islam plays a strategic role in shaping students' character. This study aims to explore the concept of the academic environment from the perspective of the Qur'an and Hadith and analyze its implications for the formation of an Islamic generation. Employing a qualitative approach with a literature review method, the research examines various relevant sources. The findings identify three main dimensions of an ideal educational environment: the family, school, and community. These three dimensions are interdependent and work synergistically to shape a generation rooted in faith, knowledge, and noble character. The family serves as the initial foundation for instilling values of faith and morality. The school extends this foundation through structured, formal education, and the community provides a real-life context for practicing these values. This study highlights the lack of integration between family, school, and community roles in current Islamic educational models. It concludes that strengthening the synergy among these three pillars can contribute significantly to building a holistic Islamic education system that is adaptive to contemporary challenges and capable of fostering character education based on Islamic values.
REVITALISASI KITAB PEGON DALAM MEMBANGUN AKHLAK SANTRI PONDOK MAHASISWA DARUSSALAM KOTA SEMARANG Husna , Muhammad Ahsanul; Inayah, Inayah
EDUCATIVA Vol 1 No 1 (2023): Educativa: Jurnal Pendidikan Agama Islam
Publisher : Lembaga Penelitian Dan Pengabdian Masyarakat Stai Brebes

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Abstract

Abstract The development of science along with the era of society 5.0 has caused the direction of learning to continue to move in a new direction. So that in some circumstances, classical learning which is in fact the book of Pegon has begun to be abandoned by its devotees, and many have even been abandoned. Therefore, the researcher is interested in researching the learning activities of the Pegon Book which are applied in the Ponma Darussalam Semarang environment. The purpose of this study was to describe and pre-experiment learning the book of Pegon in the Ponma Darussalam Semarang and to analyze the revitalization of the Pegon book in building the morals of the santri of the Ponma Darussalam Semarang. This study used an experimental method in the form of a pre-experiment design (Tașmīm Tajrībiy) with the form of a one-shoot case study (one shot case study/Dirāsah Ḥālah Ṭalqah Wāḥidah). The research sample was 40 santri at the Ponma Darussalam Semarang. The sampling technique used purposive sampling and data analysis based on Spreadley with domain, taxonomy, componential and cultural theme analysis. The results showed that the pegon book taught in the Ponma Darussalam was able to help revitalize the morals of the students, which was marked by a better level of uptake than the students who first entered the Islamic boarding school.
Microplastic Pollution In The Aquaculture Field: A Mini Review Ahmad, Khamsiah; Recar, Yuliana; Inayah, Inayah; Syazili, Aras; Ridwan, Mutmainnah; Abu, Nur; Galib, Marliani
Barakuda 45: Jurnal Ilmu Perikanan dan Kelautan Vol 7 No 2 (2025): November
Publisher : Fakultas Perikanan dan Ilmu Kelautan Universitas 17 Agustus 1945 Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47685/barakuda45.v7i2.672

Abstract

Plastic pollution has become pervasive in aquatic environments, emerging as a significant ecological concern over the past decade. Plastic debris varies in size, from large fragments to microplastics—particles less than 5 mm in diameter—that result from the primary (manufacturing production) and secondary (degradation from larger plastics) sources. In aquaculture systems, these microplastics can accumulate in both the environment and within aquatic organisms, as their decomposition is a prolonged process. The persistence of microplastics poses risks to biota, including potential physical harm and chemical exposure. This review discusses current research on the presence and impact of microplastics in aquaculture, highlighting the negative effects observed. The findings indicate that microplastics represent an escalating threat to aquaculture systems, necessitating periodic monitoring and the standardisation of analytical methods to manage and mitigate their impact effectively.​
Pengaruh Kepemimpinan Instruksional Kepala Sekolah Dan Iklim Sekolah Terhadap Kualitas Pembelajaran di SD Negeri Sekecamatan Suruh Inayah, Inayah; Nurkolis, Nurkolis; Wuryandini, Endang
Cetta: Jurnal Ilmu Pendidikan Vol 8 No 4 (2025)
Publisher : Jayapangus Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37329/cetta.v8i4.4830

Abstract

Learning is said to be of quality if students are actively involved in the learning process by showing a great enthusiasm for learning and self-confidence. The purpose of this study was to determine the magnitude of the influence of the principal's instructional leadership and school climate together on the quality of learning. The research approach used was quantitative. This type of research uses correlation research. The population of this study was 281 teachers and the research sample was 165 teachers. Data collection was carried out using a questionnaire. The data analysis techniques used in this study were descriptive data analysis, prerequisite tests including normality tests, multicollinearity tests, heteroscedasticity tests, linearity tests and hypothesis tests including simple and multiple linear regression. The results of the study showed that: (1) the correlation of the principal's instructional leadership on the quality of learning was 0.677. The influence of the principal's instructional leadership had a significant effect on the learning quality variable by 65.8%. (2) The correlation of school climate on the quality of learning was 0.672. The influence of school climate had a significant effect on the learning quality variable by 65.1%. (3) The significant influence of the principal's instructional leadership and school climate on the quality of learning with the equation Ŷ = 8.390 + 0.612 X1 + 0.488 X2. Then the correlation coefficient value r is 0.759. The result of the coefficient of determination of the influence of variables X1 and X2 on Y is 77.5%.
Intervensi latihan keterampilan motorik kasar pada fungsi kognitif anak usia prasekolah Khasana, Tri Mei; Inayah, Inayah
Jurnal Gizi Klinik Indonesia Vol 21, No 1 (2024): Juli
Publisher : Minat S2 Gizi dan Kesehatan, Prodi S2 IKM, FK-KMK UGM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/ijcn.87167

Abstract

Gross motor skills training on cognitive function in early primary schoolBackground: Low gross motor skills are associated with low physical activity in preschool and elementary school children. Children's gross motor skills are correlated with obesity and contribute to physical activity participation and physical, social, and cognitive growth.Objective: This study aims to determine the effect of gross motor skills training intervention on the cognitive function of early elementary school children.Methods: A quasi-experimental study with a one-group pretest-posttest with a control design. The study involved first-year children from two elementary schools in Pleret, Bantul, DIY, with a total of 90 participants (49 boys, 41 girls) and a mean age of 7 years. The intervention consisted of motor skills training, including obstacle courses and walking on a balance beam, with each session lasting 15 minutes and conducted once a week for nine weeks. Cognitive function in terms of memory and attention abilities was assessed using the Stroop test (Stroop color and word test) and the digit span test (forward and backward)—data analysis using paired sample t-test and independent sample t-test.Results: The study's results indicated a significant difference in the mean scores of the Stroop test for both the intervention and control groups and the digit span test for the intervention group. The findings suggested that motor skills training intervention significantly positively affected children's cognitive function, particularly with the Stroop test.Conclusions: Gross motor skill training can enhance the cognitive function of children aged 6-7. Motor skill instruction should be incorporated into preschool and early elementary school programs to help narrow the academic achievement gap.
Pendayagunaan Zakat Produktif, Infaq, dan Sedekah untuk Pemberdayaan Ekonomi Masyarakat Miskin Oleh Dompet Dhuafa Kalteng Syahid, Abdul; Adi, Ahmad Nur; Yanti, Fitri; Inayah, Inayah; Aprilianti, Yeni; Rifqi, Muhammad
Journal of Islamic Social Finance Management Vol 4, No 2 (2023): DESEMBER 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jisfim.v4i2.9710

Abstract

Penelitian ini mengevaluasi pengelolaan dana Zakat, Infaq, dan Sedekah (ZIS) melalui pemberdayaan masyarakat miskin di Kalimantan Tengah, khususnya program yang diimplementasikan oleh Dompet Dhuafa Kalteng. Dengan fokus pada efektivitas program, penelitian ini menggunakan pendekatan kualitatif deskriptif dan wawancara dengan pegawai Dompet Dhuafa Kalteng. Hasilnya menunjukkan bahwa lembaga tersebut telah menerapkan program pendayagunaan ZIS dengan inovasi seperti aplikasi Sandra 2.0, melibatkan berbagai bidang pemberdayaan. Pentingnya identifikasi sasaran, kolaborasi, pendayagunaan fokus, pelatihan, pengawasan, transparansi, dan inovasi diungkap sebagai faktor kunci keberhasilan program. Kesimpulannya, pendayagunaan ZIS dapat menjadi instrumen efektif dalam mengentaskan kemiskinan, asalkan terus dimonitor dan disesuaikan dengan kebutuhan masyarakat.
THE IMPACT OF ISLAMIC BUSINESS ETHICS, ONLINE CUSTOMER REVIEWS, AND ONLINE CUSTOMER RATINGS ON DECISIONS TO PURCHASE HALAL COSMETIC PRODUCTS THROUGH SHOPEE Inayah, Inayah; Adiba, Elfira Maya; Jessy, Rachela
Ekonomi Islam Vol. 15 No. 1 (2024): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v15i1.12651

Abstract

Purchasing transactions have grown rapidly due to the presence of the Internet. The use of Internet facilities allows business activities to be carried out anywhere and at any time without having to meet the parties in the transaction physically. Business activity using the Internet is called electronic commerce (e-commerce). Currently, in Indonesia, the online shop or online marketplace trend is on the rise. According to Research and Markets, a market research platform, the market in Indonesia is potentially growing by 19.0% throughout 2022. Some of the most popular online shops are Shopee, Tokopedia, Lazada, Zalora, and so on. The study aims to find out the influence of Islamic business ethics, online customer reviews, and online customer ratings on the decision to buy halal cosmetics products through Shopee among students of Trunojoyo Madura University. The study used quantitative methods and purposive sampling with respondents of as many as 100 students. The results of the study showed that Islamic business ethics (X1), online customer review (X2), and online customer rating (X3) have a significant influence on the purchase decision of halal cosmetic products. The combination of all variables studied influences each other in determining the decision of students to purchase illegal cosmetic products.
MENINGKATKAN MINAT BACA ANAK-ANAK DI DESA TUYAU MELALUI GERAKAN LITERASI Indah, indahrahmahdaniyati; Inayah, Inayah; Isnawati, Isnawati; Azis, Abdul; Pradana, Irfan Dayu; Fatmah, Fatmah; Sari, Indah; Rama, Rama
MALAQBIQ Vol. 3 No. 2 (2024): Malaqbiq: Jurnal Pengabdian Kepada Masyarakat
Publisher : Sekolah Tinggi Agama Islam Negeri Majene

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Abstract

Kegiatan ini memiliki tujuan untuk meningkatkan ketertarikan membaca pada anak-anak di Desa Tuyau. Melalui kegiatan gerakan literasi yang melibatkan mahasiswa KKN IAIN Palangka Raya. Kegiatan ini menerapkan metode kualitatif dengan pendekatan deskriptif. Program ini bertujuan untuk menganalisis dampak program literasi terhadap peningkatan kemampuan membaca anak-anak. Hasil kegiatan ini mengungkapkan bahwa program literasi berhasil mengembangkan minat baca dan keterampilan membaca anak-anak secara signifikan. Metode pembelajaran yang bervariasi dan menarik, seperti permainan dan video pembelajaran, menjadi faktor kunci keberhasilan program ini. Namun, kegiatan ini juga mengidentifikasi sejumlah tantangan, seperti kurangnya sumber daya dan kurangnya pemahaman orang tua tentang pentingnya literasi. Implikasi dari kegiatan ini adalah pentingnya kerjasama antara berbagai pihak, termasuk pemerintah, sekolah, dan masyarakat, dalam mengembangkan dan memperluas program literasi. Diharapkan program literasi ini dapat menjadi modal bagi desa-desa lain dalam upaya untuk meningkatkan mutu pendidikan dan sumber daya manusia. Kata kunci: Gerakan Literasi, Minat Baca, anak-anak, Kalimantan Tengah
Public Speaking Training For Students of International Class Program State Islamic University Walisongo to Improve The Ability of Maharah Kalam Inayah, Inayah; Asikin, Alis; Rokhani, Rokhani; Mustavid, Alvian Varihul; Abdillah, Dzaky Hamid
Asalibuna Vol. 7 No. 01 (2023): Volume 07, Nomor 01, Juni 2023
Publisher : UIN Syekh Wasil Kediri, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/asalibuna.v7i01.848

Abstract

Productive competence in language are important things in upgrading the quality of language and developing it in terms of skills. Based on interview, the students in the International Class Program (ICP) at State Islamic University of Walisongo have not attained proficiency in speaking and they need special training related to that skill. The ICP consists of 3 departments: the Department of Arabic Teaching, the Department of English Teaching, and the Department of Islamic Sciences Teaching for the fifth and third levels, with total of 114 students. Public Speaking Training passed on 3 waves of the subject,1.Public Speaking Skills and Tips, 2.Overcoming fear of Public Speaking, 3.Improve your public speaking. This research is qualitative descriptive research, in terms of public speaking training for students in ICP. The data collection method used is observation, documentation and testing with the YouTube video tool. Analyzing data with inductive qualitative analysis from Miles and Huberman's theory depending on the continuous steps are data collection, data reduction, presentation, conclusion drawing or verification. The objectives of the research are: A- How to implement public speaking training for students in the ICP? B- How is the speaking skill of students through the final exam after public speaking training? The result of the research is that the application of public speaking training in this university through experts in three classes, and that public speaking training has an important function to upgrade the competencies in the speaking skill of students in ICP at State Islamic University of Walisongo, Semarang
Co-Authors Abas, Abas Abdillah, Dzaky Hamid Abdul Azis Abdul Syahid Abu, Nur Ade Hidayat, Ade Adi, Ahmad Nur Adiba, Elfira Maya Adriyani, Zuanita Ady, Patriot Irvana Afifah, Izzatul Ahmad, Hamsir Ahmad, Khamsiah Ainindita Aghniacakti Akmal, Firdaus Alex Saleh Amalia, Aam Amalia, Siti Virza amanah, nurul Amilhasan, Zaid Ladja Ananda, Devi Andayani, Nurlita Anggunita, Fiolla Aprilianti, Yeni Arana, Yurika Dwi Nanda Aras Syazili Ari Saputra, Ari Asep Mulyana Ashari, Della Amaylia Asikin, Alis Asma’ Na’im Jamil Abu Samra Aulia, Ivana Rizki Aulia, Mita Aurik Gustomo Ayuwardani, Mellasanti Ayuwardhani, Mellasanti Azizah Azizah Bayu Setyo Nugroho Budi Prasetya Byo, Wa Ode Windra CAHYANI, AMELIA Cahyati, Ananda Tri Desi Kusumawati, Desi Devie, Erika Ekaputri, Rendi Zulni Eliya, Pega Emsosfi Zaini Endang Wuryandini, Endang Erwinda Alwi Rachman Falahiyah, Titi Farouk, Umar Fatmah Fatmah Febrina Indrasari Fery Lusviana Widiany Fina Saadah, Fina Firdaus, Fuad Fahmi Fitri Yanti Galib, Marliani Haerani Haerani Hajar, Hasma Halala, Khairul Nisa Hamid Cholili, Abd Handayani, Fransisca Heny Harahap, Ida Lestari Hariandi, Ahmad Hasibuan, Nabila Hasan Hayatun Nufus Hermawan , Iwan HIDAYAH, EMI Hidayat Hidayat Hidayat, Amat Hindrawati, Gita Huda, Milan Pancadria Nurul Husna , Muhammad Ahsanul Iis Arifudin Indah Sari Indah, indahrahmahdaniyati Indrayani, Novi Ismi Fauziah, Ismi Isnawati Isnawati Iwan Hermawan Janah, Samrotul Jati Nugroho Jaya, Gunawan Jessy, Rachela Juhji, Juhji Kasrina Kasrina Khairul Saleh Khasana, Tri Mei KHUSNUL YAQIN Kurniawan, Yunus Dwy Lestari, Melina Lina Nurbaiti, Lina Luqman Khakim Luqman Khakim Luqman, Andri Lusiana Rahmawati Luthfia, Irin Mirrah M. Farid Samawi, M. Farid Maesaroh Maesaroh Mardhatillah, Mardhatillah Mardhotillah, Putri Maryam Maryam Mastoah, Imas Maula, Nadliatul Metty, Metty Moh. Ali Mubarok, Ahmad Mudsiani, Mudsiani Muhammad Ahsanul Husna Muhammad Rifqi Muhyi, Asep Abdul MUNIATI, NGURAH AYU NYOMAN Mustavid, Alvian Varihul Muti'ah, Muti'ah Mutiari, Puspa Intan Muzdalifah, Nur Najamuddin Najamuddin, Najamuddin Nanang Adie Setyawan Nasitoh, Jamiatun Nastiti, Ana Putri Novelia, Deva Novita Sari Nur Haida Nur, Syifa Zahratan Nuraini, Renita Nurjannah, Dewi Nurkolis Nurkolis, Nurkolis Nurtyas, Maratusholikhah NURUL AZIZAH Paiman Paiman Pradana, Irfan Dayu Pramadya, Nabilla Yulfa Prasetianingsih, Paulina Irianti Pratama, Adams Bagus Pratama, Bagas Pratama, Gama Pratiwi, Leoni Agustia Pratiwi, Mona Inayah Putri, Cahya Yuliana Eka Rama, Rama Ramadhan, Novalina Rossa Recar, Yuliana Retanti, Nasya Angraini Ridwan, Mutmainnah Rifa’i, Muhamad Rina Windiarti, Rina Rokhani Rokhani Rosyati, Eti Ruhban, Andi Safira, Bella Safitri, Lia sahani, Wahyuni Saiful Bahri Salma, Qatrunnada Habibah Salsabila, Aqilla Salsiyah, Sri Marhaeni Samsiyah, Samsiyah Santi Damayanti Saputri, Kharisma Sarinah, Syifa Sartono Sartono, Sartono Selasih, Dini Septiarti, Nadiya Puput Ika Simanjorang, Eta Hosana Eka Rizti Boru Siti Luthfin Nuuriyyah SOFIYANTI, ERLIN Sri Eka Sadriatwati, Sri Eka Suharmanto Sulistiyani, Endang Supriatna, Kevin Khairurrajwa Surisman Surisman Syafriza, Eriyan Tri Syarif Hidayat Tamsik Udin Taviyastuti, Taviyastuti Tuti Alawiyah Utama, Nadila Gita Putri Utami, Hadiahti Viky, Muhammad Widayanti, Linda Widodo, Soepri Tjahjono Moedji Widya Kusumaningsih Yasmin, Rina Yennita Yuniartin, Titin