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Pengaruh Literasi Keuangan, Pendapatan, dan Preferensi Risiko terhadap Minat Berinvestasi Cicilan Emas Nasabah Pegadaian Cabang Jember Paramita, Fina Pratna; Sari, Maheni Ika; Izzuddin, Ahmad
Manajemen: Jurnal Ekonomi USI Vol 7 No 2 (2025): Manajemen : Jurnal Ekonomi (Special Issue)
Publisher : Fakultas Ekonomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/xjyydb83

Abstract

Emas menjadi salah satu pilihan investasi yang semakin diminati masyarakat, terutama melalui program cicilan yang ditawarkan oleh Pegadaian Cabang Jember. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, pendapatan, dan preferensi risiko terhadap minat dalam berinvestasi emas secara cicilan. Pendekatan yang digunakan adalah kuantitatif dengan metode analisis regresi linear berganda, uji t, dan uji F, serta pengolahan data menggunakan bantuan software SPSS 27. Data diperoleh dari 120 responden yang merupakan nasabah aktif layanan cicilan emas, dengan teknik pengambilan sampel secara purposive sampling. Hasil penelitian menunjukkan bahwa ketiga variabel independen tersebut memiliki pengaruh positif dan signifikan terhadap minat berinvestasi cicilan emas, baik secara parsial maupun simultan. Temuan ini mengindikasikan bahwa pemahaman finansial, kestabilan kondisi ekonomi individu, serta kecenderungan dalam menghadapi risiko berperan penting dalam membentuk niat dan keputusan investasi. Ketiganya saling melengkapi dalam mendorong minat masyarakat untuk berinvestasi emas secara lebih terencana, aman, dan berkelanjutan melalui skema cicilan di Pegadaian Cabang Jember
Analisis Persepsi Harga, Kepercayaan Konsumen Dan Kualitas Pelayanan Terhadap Keputusan Konsumen Berkunjung Di Glen Coffe & Resto Glenmore Wahyuni, Evi; Fatimah, Feti; Izzuddin, Ahmad
Jurnal Ekonomi, Akutansi dan Organisasi Vol. 1 No. 1 (2023): Edisi Bulan Agustus 2023
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/ektasi.v1i1.732

Abstract

Tujuan penelitian adalah untuk mengetahui dan menganalisis pengaruh persepsi harga, kepercayaan konsumen, dan kualitas pelayanan terhadap keputusan kunjungan parsial Glen Coffee & Resto Glenmore Banyuwangi. Teori yang digunakan dalam penelitian ini adalah teori manajemen pemasaran, teori persepsi harga, kepercayaan konsumen, dan teori kualitas pelayanan dan keputusan pelanggan. Riset dilakukan oleh konsumen Glen Coffee & Resto Glenmore Banyuwangi. Jenis penelitian kuantitatif deskriptif menggunakan metode purposive sampling dengan jumlah sampel 90 responden. Sifat penelitian ini adalah penjelasan. Alat uji yang digunakan adalah regresi linier berganda, dengan software SPSS versi 20.00. Hasil penelitian ini adalah Persepsi harga secara parsial berpengaruh signifikan terhadap Keputusan Berkunjung, Kepercayaan konsumen secara parsial berpengaruh signifikan terhadap Keputusan Berkunjung, Kualitas pelayanan secara parsial berpengaruh signifikan terhadap Keputusan Berkunjung ke Glen Coffe & Resto Glenmore Banyuwangi.
Analisis Kualitas Layanan Bank BRI Umbulsari Jember Berdasarkan Customer Satisfaction Index (CSI) Rosalina, Risa; Izzuddin, Ahmad
Jurnal Ekonomi, Akutansi dan Organisasi Vol. 3 No. 1 (2025): Edisi Bulan Agustus
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/ektasi.v3i1.2288

Abstract

Persaingan yang semakin ketat dalam hal kualitas layanan mendorong setiap bank untuk mempertahankan atau menarik nasabah baru. Kepuasan pelanggan tercermin dari persepsi mereka terhadap pelayanan yang diberikan, dibandingkan dengan ekspektasi yang mereka miliki. Tujuan dari penelitian ini untuk mengukur tingkat kepuasan nasabah terhadap kualitas pelayanan pada Bank BRI Umbulsari Jember. Metode analisis data yang digunakan Analisis Deskriptif Kuantitatif, CSI (Costumer Satisfaction Index). Populasi yang digunakan dalam penelitian ini Nasabah Bank BRI Umbulsari Jember. Metode pengambilan sampel yang digunakan adalah purposive sampling dengan menggunakan rumus Slovin sebanyak 100 responden. Teknik pengumpulan data meliputi kuisioner dan dokumentasi. Sedangkan didatanya menggunakan tungkat kinerja  serta harapan atau kepentingan. Hasil penelitian ini menunjukkan bahwa Sebagian besar responden yang merupakan nasabah Bank BRI Umbulsari Jember dapat dikatakan puas, hal ini terlihat dari hasil pegukuran CSI sebesar  75,20%. Dalam penilaian CSI ada 4 indicator yang dianggap penting bagi pelanggan namun kinerjanya masih kurang baik, indicator tersebut antara lain: Tempat duduk yang nyaman, Fasilitas ATM mesin setoran tunai, Memberikan pelayanan secara cepat kepada nasabah, Pegawai kurang ramah. hasil penelitian ini memberikan panduan konkret bagi Bank BRI Umbulsari Jember dalam meningkatkan kualitas layanan, khususnya pada aspek fasilitas, kecepatan layanan, dan keramahan staf. Jika implikasi ini diimplementasikan secara efektif, BRI Umbulsari tidak hanya dapat meningkatkan kepuasan nasabah tetapi juga memperkuat daya saing di tengah persaingan industri perbankan yang ketat.
Studi Komparasi Ketentuan Nafkah Suami Dan Istri Dalam Regulasi Perkawinan Di Indonesia, Brunei Darussalam Dan Tunisia Yani, Rindi; Izzuddin, Ahmad; Rouf, Abd
Maqasid: Jurnal Studi Hukum Islam Vol. 14 No. 2 (2025): Maqasid Jurnal Studi Hukum Islam
Publisher : Muhammadiyah University of Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/mqs.v14i2.26528

Abstract

The legal provisions regarding alimony between husband and wife as stipulated in the laws and regulations of Indonesia, Brunei Darussalam, and Tunisia represent a spectrum of different approaches in adopting and implementing Islamic family law in their national legal systems.Indonesia is known for its dualistic legal system, where Islamic law is applied in the private sphere (religious courts) alongside the national legal system, which is rooted in colonial legal heritage. Brunei Darussalam, as an Islamic monarchy, applies Islamic law more comprehensively and consistently within its Sharia court system, particularly in matters of family and marriage.Tunisia has pursued family law reform with a modernist-secular approach that retains the values of maqāṣid al-syarī'ah as the basis for ethics and morality in legislation, without explicitly referring to classical fiqh.The method used in this study is a legal-normative method with a comparative approach, aiming to explore how each legal system formulates and interprets the obligation of maintenance between husband and wife.Tunisia has pursued family law reform with a modernist-secular approach that retains the values of maqāṣid al-syarī'ah as the basis for ethics and morality in legislation, without explicitly referring to classical fiqh. The method used in this study is a legal-normative method with a comparative approach, aiming to explore how each legal system formulates and interprets the obligation of maintenance between husband and wife.The research findings indicate that differences in maintenance provisions between husbands and wives in the three countries are significantly influenced by the fiqh school of thought adopted, the ideological orientation of the state, and local socio-political dynamics.
THE INFLUENCE OF PRODUCT QUALITY, PRICE, AND LAYOUT ON CONSUMER PURCHASE DECISIONS AT THE SHADE OF THE EQUATOR STORE IN JEMBER REGENCY Sofiatul Hasanah; Izzuddin, Ahmad; Winahyu, Pawestri
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 8 No. 3 (2025): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jamekis.v8i3.8091

Abstract

Retail business development shows strong potential in the current era. The retail industry delivers products and services while adding value to fulfill the needs of individuals, families, groups, or end users. Most products sold in retail cater to household requirements. The growing retail industry has made a substantial contribution to the Gross Domestic Product (GDP). This study aims to examine and analyze the impact of product quality, price, and layout on consumer purchasing decisions at the Rindang Khatulistiwa store in Jember. This research employs a quantitative approach with a sample size of 100 respondents, using the Non-Probability Sampling Technique combined with purposive sampling and questionnaires as the primary data collection tool. The data analysis process includes instrument validation, classical assumption testing, multiple linear regression, hypothesis testing, and calculation of determination coefficients. The analysis indicates that product quality, price, and layout each exert a positive and significant partial effect on consumer purchasing decisions at the Rindang Khatulistiwa store in Jember, contributing 85%.
TINJAUAN MAQASID HUKUM PERKAWINAN ISLAM TERHADAP SYARAT POLIGAMI DALAM KOMPILASI HUKUM ISLAM DI INDONESIA Anugerah, Ghifari Fajar; Izzuddin, Ahmad; Saiban, Kasuwi
Al-Maslahah : Jurnal Ilmu Syariah Vol 20, No 2 (2024)
Publisher : Fakultas Syariah (Syari'ah Faculty )

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-maslahah.v20i2.2861

Abstract

Polygamy in the history of Islamic civilization represents one of the most crucial issues in sexual relations and continues to attract attention among Islamic scholars, particularly feminist thinkers. The debate surrounding polygamy is not only related to textual interpretation but also to its social implications and questions of gender justice, which have prompted Muslim-majority countries, including Indonesia, to establish specific regulations. In Indonesia, polygamy is regulated under Law Number 1 of 1974 on Marriage, Government Regulation Number 9 of 1975, and more comprehensively within the Compilation of Islamic Law (KHI). The KHI outlines several conditions that must be fulfilled, including court authorization, the consent of the existing wife, and the husband’s ability to ensure financial support and justice. This study aims to examine the conformity of these requirements with the maqāṣid al-sharī‘ah in the domain of family law, namely the objectives of Islamic law oriented toward justice and public welfare (maṣlaḥah). The research employs a library-based method by analyzing the regulation of polygamy in Indonesian marriage law and comparing it with the principles of the maqāṣid of Islamic marriage law. The findings indicate that the regulation of polygamy in the KHI encompasses the overall objectives of Islamic marriage law as articulated by Jamaluddin Athiyah. These objectives include maintaining harmonious relations between men and women, safeguarding and preserving lineage, fostering families built on sakīnah (tranquility), mawaddah (affection), and raḥmah (compassion), ensuring the clarity of descent, strengthening religiosity within the family, regulating harmonious familial relations, and guaranteeing financial stability. Thus, the stipulations regarding polygamy in the KHI are not designed to promote the practice widely, but rather serve as a restrictive mechanism intended to protect welfare and prevent harm within the institution of marriage.
SISTEM PENANGGALAN SUKU NIAS DALAM PERSPEKTIF ASTRONOMI Arisafitri, Novi; Izzuddin, Ahmad
ELFALAKY: Jurnal Ilmu Falak Vol 5 No 2 (2021): Desember
Publisher : UIN ALAUDDIN MAKASSAR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ifk.v5i2.24333

Abstract

The presence of a calendar or calendar is the most famous and urgent legacy of human civilization for human survival. One of the indigenous Indonesian tribes has a local calendar that is relatively different from the general calendar, namely the Nias tribe. Traditional Nias people used to not know the clock, the division and naming of their time refers to daily activities such as raising livestock, farming, domestic work and other natural phenomena. The traditional Nias people besides having a daily time reference, they also have a calendar system used for agricultural activities that refers to the circulation of the Orion Star or based on local wisdom the Nias people call it Bintang Sara Wangahalö.
PENENTUAN PREDIKSI JUMLAH GERHANA MATAHARI DENGAN ARGUMEN LINTANG BULAN DAN ARITMATIKA Izzuddin, Ahmad; Hidayat, Ehsan
ELFALAKY: Jurnal Ilmu Falak Vol 6 No 2 (2022): Desember
Publisher : UIN ALAUDDIN MAKASSAR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ifk.v6i2.31403

Abstract

Variation in the number of solar eclipses is one of the number phenomena that occurs every year. Territorially, eclipses can occur and be observed once or twice and globally, solar eclipses can occur in quantities of 2 until 5. There are several literatures that say the minimum-maximum number is different from the data above. With a statistical approach, this paper examines one of the important components of the initial eclipse prediction algorithm, which is the value of the argument of moon’s latitude symbolized by large F and through arithmetic used to find a pattern of variations in a number. There are two interesting findings, the first argument of moon’s latitude value has a regular number pattern on each lunation, which is increased by 30,6705. Second, if in general people have to predict eclipses every month, then this study suffices data from the beginning of the new moon in a year, to be able to find out the eclipse in the months after or before.
The TELAAH KAJIAN SISTEM PENANGGALAN DALAM KITAB AL-HARAKAT AL-SAMAWIYAH WA JAMAWI ILM AL-NUJUM Hidayah, Nailul Alvi; Izzuddin, Ahmad
ELFALAKY: Jurnal Ilmu Falak Vol 7 No 1 (2023): Juni
Publisher : UIN ALAUDDIN MAKASSAR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ifk.v7i1.37370

Abstract

Al-Farghani is the author of the book al-harakat al-samawiyah wa jawami ilm al-nujum which contains a summary of astronomy’s sciences. Until now, the book is still being translated into two languages, namely Latin and Arabic. Due to the lack of literature in both English and Indonesian, the author is interested in examining the contents of the book within the scope of Islamic astronomy studies, especially in the first chapter of the book which discusses the calendar system. This study aims to find out how is the study of the calendar system in the book al-harakat al-samawiyah wa jawami ilm al-nujum and how its correlates with modern astronomical knowledge. Library research method with descriptive approach are used in this research. The results of this study indicate that the calendar system contained in the book can be classified into 5 and addopted to 2 systems, namely the Hijri calendar with the lunar system, and Syriac, Roman, Persian and Coptic with a solar system. Each calendar system has a variation in the number of the days and month names. Some of the numbers of days can be correlated with astronomical calculations and some of them are based on culture.
The Hisab-Rukyat Method and Religious Tolerance: A Social Interpretation of Pancasila Values Hamas, Nuril Fathoni; Andri, Sela Septi; Izzuddin, Ahmad
Pancasila: Jurnal Keindonesiaan Vol. 5 No. 2 (2025): VOLUME 5 ISSUE 2, OCTOBER 2025
Publisher : Badan Pembinaan Ideologi Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52738/pjk.v5i2.857

Abstract

Differences in determining the beginning of Qamariyah months-especially Ramadan, Shawwal, and Dhu al-Hijjah-often lead to socio-religious dynamics in Indonesia. This phenomenon reflects the tension between hisab (astronomical calculation) and rukyat (direct observation), each rooted in distinct theological and epistemological traditions within Islam. This paper aims to explore how the differences between the hisab and rukyat methods can be socially interpreted as a reflection of religious tolerance in the framework of Pancasila ideology. The study employs a qualitative approach using library research and social interpretation analysis of normative texts and social practices. The findings indicate that variations in determining the start of the lunar month should not be seen as a source of conflict but rather as a space for dialogue and respect for religious diversity. Within the context of Pancasila-particularly the third and fifth principles-tolerance toward differing religious interpretations serves as a crucial foundation for social harmony and national integration. Thus, the hisab-rukyat methods possess not only astronomical and religious dimensions but also socio-political values that support cohesion in a pluralistic society.
Co-Authors Abd Charis Fauzan Abd. Rouf, Abd. Abdillah, Hartawan Abdul Hakim Abdul Malik Karim Amrullah Achmad Rosidi, Achmad Adeyanto, Zamroni Agus Yulianto Ahmad, Mohd Razlan Akbar, Reza Akhmad - Husein Albab, Muhammad Ulil Alfarisi, Ach. Fadhail Alfikri, Ahmad Faiz Shobir Alief Muhammad Alpaten, Ulil Albab Al aulia Amelia, Dewi Alvinatul Amrullah, Abdul Karim Andri, Sela Septi Angelika, Jessica Julian Ansori, Redhitya Wempi Anugerah, Ghifari Fajar Aprilia, Ira AR, Zulfahmi Ardian, Dafa Achmad Ari Susanti Aries Maesya Arisafitri, Novi Ariwibowo, Bagus Joni Ariyanti, Dyah Asrori, Tamam Azkarrula, Youla Afifah Basid, Abd. Budi Santoso Budiarto, Adi Camelia, Mirza Hidayatul Cantika Zaddana Dani Hari Tunggal Prasetiyo Djamaluddin, Thomas Djoko Wahyudi dwi ayu lestari, dwi ayu Eko Budi Satoto Eko Setiawan Ellena, Ega Evi Wahyuni, Evi Fadil SJ Fakhruddin Fakhruddin Farhatin, Dila Fashihuddin, Muhammad Fathor, Rozy Feti Fatimah Fika Afhamul Fuscha Fitria, Aulia ul Gozi, Ahmad Hady, Intan Ferial Hamas, Nuril Fathoni Haris Hermawan, Haris Haryono Haryono Hermin Arista Hesty Kesuma Putri Hidayah, Nailul Alvi Hidayat, Ehsan Hikmah, Nuzul Hoffmann, Susanne M. Irfan, Moh. Jamil, Faishol Jamiliya Susantin Kamila, Kamila Karim Faiz, Abd. Kartini, Dwi Putri Kartini, Dwi Putri Kasuwi Saiban Khamdani, Achmad Rifqi Khilmi, Akhmad Saifudin Khotimah, Wahyuni Danial Kurniawati Kurniawati Kusumawardani, Dyah Luthfi, Nur Ahmad M. Fathuddin Noor, M. Fathuddin M. Syaoqi Nahwandi Mahendra, Yusril Maheni Ika Sari Mahmudah, Yumna Mahsun Mahsun Makhturoh, Siti Mas Ahmad Baihaqi Masuwd, Mowafg Abrahem Miftahul Huda Misdiyanto Misdiyanto, Misdiyanto Moh. Halim Mohammad Iqbal Irfany Muhammad Himmatur Riza Muhammad Rasyid, Muhammad Muhammad Said Fadhel Muhsin Aseri, Muhsin Musahadi Musahadi, Musahadi Muslich Shabir Muslich Shabir Mustakim Mustakim Mutiara Tembang Langit Naelul Marom Nanda Khoirun Nisa Nasihun Amin Nasrulloh Nasrulloh Ni'ami, Mohammad Fauzan Ni’ami, Mohammad Fauzan Noor Dwi Kusuma Dewi, Indah Novita Sari Nur afdal Purnama putra Nur Amelia Ridha Nurdiansyah, Putra Pandu Dinata Nurfidiyanti, Hana Sri Nurkhanif, Muhammad Palevi, Yusron Paramita, Fina Pratna Putri, Dwi Nissa Kamalia Qiromi, Nur Mahmudi Rahayu, Jekti Rahmalia Rahmalia Rahman, Muhammad Habibur Rahmatullah, M. Azam Raizza Kinka Intifada Rasyid, Thaifur Redhitya Wempi Ansori Rekyan Regasari Mardi Putri, Rekyan Regasari Mardi Restu Trisna Wardani RETNO SULISTYOWATI reza akbar Rifki Muslim Rifqatul Husna Rifqi, Mohammad Iqbal Risa Rosalina Rizal Ramadhan Rizal Ramadhan Roibin Rouf, Abd Rusdiyanto Rusdiyanto Safira, Yunita Filda Dewi Said Fadhel, Muhammad Salwa, Nadalina Ghaida Samsuryaningrum, Ira Puspitadewi Sari, Sinta Anggita Siti Makhturoh Slamet Hambali Sofiatul Hasanah Suharto, Akhmad Sunyoto, Andrik Suwarto Suwarto Syifa, Siti Nur Tatit Diansari Reskiputri, Tatit Diansari Trias Setyowati, Trias Tutik Hamidah Tyas, Wenny Murtalining Ubaidi, Muh. Izzat Wafa, Zaein Wahyu Eko Setianingsih Wahyu Wulandari Wahyudi, Rizal Wardana, Andhena Wisnu Wibowo, Yohanes Gunawan Widyasari S, Citra Winahyu, Pawestri Yani, Rindi Yaqin, Alamul Yuli Wahyuni Yuniar, Etma Klisa Zain, Muhammad Fajri Kholili Zaman, Fakhru