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PERAN BANK SYARIAH DALAM PEMBIAYAAN INDUSTRI HALAL: ANALISIS PELUANG DAN TANTANGAN Alya, Alya; Andi Hunafa Iskandar; Nanda Dwi Nopianti; Kamaruddin, Kamaruddin
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 14 No. 10 (2025): Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v14i10.10813

Abstract

This study seeks to explore the involvement of Bank Syariah Indonesia (BSI) in the advancement of the halal industry in Indonesia, especially with a focus on BSI's branch located in Makassar City. Using qualitative research methods with a descriptive approach, this study uses various sources and data collection techniques, including observation, interviews, and documentation. The growth of the halal industry is inseparable from the important role of financial institutions, especially Islamic banks. This study aims to measure the contribution of Islamic banks in financing the halal industry. By analyzing the various financing schemes offered, this study will identify the factors that affect the participation rate of Islamic banks in the halal industry. In addition, this study will also examine the impact of Islamic bank financing on the performance of halal companies.
PERBANDINGAN TINGKAT KEPUASAN NASABAH ANTARA BANK SYARIAH DAN BANK KONVENSIONAL DI BANK MUAMALAT DAN BANK BNI Amirullah Putri Paradibah; Nurul Alhidaya; Riskha Arman; Kamaruddin, Kamaruddin
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 14 No. 11 (2025): Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v14i11.10891

Abstract

Penelitian ini bertujuan untuk membandingkan tingkat kepuasan nasabah antara Bank Syariah (Bank Muamalat) dan Bank Konvensional (Bank BNI). Metode yang digunakan dalam penelitian ini adalah kualitatif dengan pendekatan wawancara mendalam terhadap nasabah dari kedua bank tersebut. Wawancara dilakukan untuk menggali persepsi dan pengalaman nasabah terkait layanan yang diberikan oleh masing-masing bank, termasuk aspek produk, kualitas layanan, kemudahan akses, dan biaya. Hasil penelitian menunjukkan bahwa nasabah Bank Muamalat cenderung lebih puas dengan penerapan prinsip-prinsip syariah dalam produk dan layanan yang ditawarkan, namun terdapat beberapa keluhan terkait keterbatasan produk dan aksesibilitas layanan. Sementara itu, nasabah Bank BNI mengungkapkan tingkat kepuasan yang lebih tinggi terkait dengan kemudahan transaksi, fasilitas digital, dan jaringan yang lebih luas, meskipun ada kekhawatiran terkait biaya administrasi dan transparansi produk. Secara keseluruhan, meskipun kedua jenis bank memiliki keunggulan masing-masing, nasabah kedua bank menginginkan adanya peningkatan dalam hal kemudahan akses, kualitas layanan, dan transparansi biaya. Penelitian ini memberikan wawasan bagi pengelola bank untuk meningkatkan kepuasan nasabah melalui peningkatan kualitas layanan dan adaptasi terhadap kebutuhan nasabah yang terus berkembang.
ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI MINAT MASYARAKAT SULAWESI SELATAN DI BSI KOTA MAKASSAR PADA PRODUK PERBANKAN SYARIAH Nurul Alifah; Yulia Rahman; Gita Ayu Lestari; Kamaruddin, Kamaruddin
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 14 No. 11 (2025): Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v14i11.10895

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi minat masyarakat Sulawesi Selatan di kota Makassar khususnya di Kecamatan Panakukang, terhadap produk perbankan syariah. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif. Data diperoleh melalui wawancara mendalam yang melibatkan berbagai pihak seperti nasabah dan praktisi perbankan syariah. Hasil penelitian menunjukkan bahwa minat masyarakat dipengaruhi oleh beberapa faktor utama, yaitu daru faktor internal dan eksternal yang memainkan peran penting dalam membentuk persepsi masyarakat terhadap produk perbankan syariah. Penelitian ini memberikan kontribusi terhadap pengembangan strategi pemasaran dan edukasi yang lebih efektif bagi perbankan syariah di wilayah tersebut, sehingga dapat meningkatkan inklusi keuangan berbasis syariah.
KONTRIBUSI PERBANKAN SYARIAH TERHADAP PERTUMBUHAN EKONOMI DI SULAWESI SELATAN Bayu Segara; Siti Radiatul Azzahra; Selvi Hardianti; Kamaruddin, Kamaruddin
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 15 No. 3 (2025): Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v15i3.11193

Abstract

The aim of this research is to determine the influence of the dependent variables Total Assets, Third Party Funds, Financing (mudharabah, musyarakah, murabahah), and on the Economic Growth of South Sulawesi, specifically in the city of Makassar, which is represented by GDP as the dependent variable. The data used are financial reports from quarter 1 of 2017 to quarter 4 of 2020 sourced from Sharia Commercial Banks, Sharia Business Units, Central Statistics Agency, and the Financial Services Authority. The method used is Autoregressive Distributed Lag (ARDL) to see the long-term and short-term influence of the independent variable on the dependent variable. The research results show that Total Assets and ZISWAF have a significant positive effect in the long and short term on GDP. Third Party Funds have a significant long-term and short-term negative impact on GDP. Financing has a significant positive effect in the long term but in the short term it has a significant negative effect on GDP. Apart from that, simultaneously all independent variables have a significant positive effect on GDP.
REDUPLIKASI BAHASA MELAYU JAMBI DI DESA KARMEO KECAMATAN BATIN XXIV KABUPATEN BATANGHARI Apriadi, Roni; Kamaruddin, Kamaruddin; Akhyaruddin, Akhyaruddin
INDONESIA: Jurnal Pembelajaran Bahasa dan Sastra Indonesia Volume 4 Number 2 June 2023
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59562/indonesia.v4i2.44640

Abstract

Reduplication of Jambi Malay in Karmeo Village, Batin XXIV District, Batanghari Regency. The purpose of this study is to describe the use of reduplication or repeated words in Karmeo Village from three aspects: form, process, and meaning. The data in this study are in the form of informants' utterances, which can be found in Karme Village. The method used in this research is descriptive qualitative. Data collection techniques used recording techniques, involvement-free listening techniques, and note-taking techniques. The data analysis technique uses the Miles and Huberman model technique. The results of this study found that there were four forms of reduplication: (1) whole reduplication, (2) partial reduplication, (3) incremental reduplication, and (4) reduplication with phoneme variations. This study also found five reduplication processes and 10 reduplication meanings in Jambi Malay in Karmeo Village, Batin XXIV District, Batanghari Regency.
Spiritual Communication in Achieving the Marital Harmony: The Rapo-rapoang Tradition in Bugis Community Munirah, Rezky; Karnay, Sudirman; Maria, Jeany Fatimah; Kamaruddin, Kamaruddin; Darlis, Syamsul
JURIS (Jurnal Ilmiah Syariah) Vol 24, No 1 (2025)
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/juris.v24i1.13194

Abstract

The rapo-rapoang tradition is a series of pre-wedding processions for the Bugis people of South Konawe. This tradition becomes a medium for spiritual communication between understanding customs and Islamic law in formulating the goals of marriage, so this issue needs special attention in the study of maqāṣid al-sharī’ah. This research aims to reveal the practice of spiritual communication through the South Konawe Bugis wedding rapo-rapoang tradition from a maqāṣid al-sharī’ah perspective. This research is qualitative research with an empirical-normative approach which includes the results of observations and interviews with religious leaders, traditional leaders and community leaders and includes a literature review that is in synergy with this research. The results of the research show that the rapo-rapoang tradition is practiced through four stages, namely mental, physical and spiritual preparation, religious and traditional education, family deliberation and congratulatory prayer. Spiritual communication in the rapo-rapoang tradition is an effort to integrate previous community understanding (pappaseng to riolo) with the concept of Islamic teachings and convey it to prospective brides and grooms. The rapo-rapong tradition in practice is in line with the provisions of Islamic law. In fact, if this tradition is analyzed from a maqāṣid al-sharī’ah perspective, it is found to be a form of support for achieving the goals of Islamic marriage. Therefore, ijtihad regarding the concept of achieving the goals of Islamic marriage through certain traditions implemented by Muslim communities throughout the world needs attention, in order to preserve culture and traditions within the circle of Islamic sharia.
Investigasi Kinerja Kepala Sekolah dan Operator dalam Meningkatkan Mutu Sekolah di Sekolah Dasar Negeri 3 Jerowaru Kamaruddin, Kamaruddin
FONDATIA Vol 9 No 1 (2025): MARET
Publisher : Pendidikan Guru Madrasah Ibtidaiyah STIT Palapa Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36088/fondatia.v9i1.5620

Abstract

The quality of education is significantly impacted by the operator's and principal's performance. There is a performance disparity between the two at certain institutions, nevertheless, because of the principal's extremely poor performance and lack of recognition and care for the operator. The effectiveness and efficiency with which an operator performs their job is referred to as operator performance. In order to recognize accomplishments, pinpoint areas that require improvement, and inspire operators, this performance evaluation is often conducted on a regular basis. Thus, the study's goals are 1) to ascertain how well the operator and principle performed in raising the standard of education at Jerowaru 3 Elementary School, and 2) to ascertain how much the principal valued the operator's contribution to raising the standard of education. Descriptive qualitative research is what this kind of study is. Techniques for gathering data include documentation, interviews, and observation. The operator and principle of Jerowaru 3 Elementary School served as the study's participants. According to the study's findings, the performance of the principal and operator in raising the standard of instruction at Elementary School 3 Jerowaru was investigated. This investigation involved a methodical procedure used to gather, examine, and assess data in order to comprehend a specific incident or circumstance. Therefore, the significance of the aforementioned inquiry is linked to the provision and participation in the establishment of a school quality improvement program based on full accountability, for the purpose of continuity.
STRATEGI PENCIPTAAN LAPANGAN KERJA PADA SEKTOR UMKM DI INDONESIA Azhari, Azhari; Kamaruddin, Kamaruddin; Simahatie, Mai
Ekonomika : Jurnal Ekonomi dan Pembangunan Vol 16 No 1 (2024): Ekonomika, Maret 2024
Publisher : Fakultas Ekonomi Universitas Almuslim Bireuen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51179/eko.v16i1.2655

Abstract

The contribution of the MSME sector to Indonesia's GDP and employment cannot be underestimated. This is evidenced by the fact that 64 million MSME businesses account for around 61% of the country's GDP and employ millions of people, this sector plays an important role in driving economic growth and creating job opportunities. However, in order for MSME businesses to continue to grow and contribute to the economy, it is important that they receive the support and resources needed to overcome challenges and seize opportunities in the global market. The purpose of this research is how to strategize MSMEs in job creation. This study uses descriptive qualitative analysis. Some of the strategies that can be taken in creating jobs in the MSME sector are increasing access to financing for MSME actors, tax incentives, increasing skill development programs for MSME entrepreneurs and encouraging innovation and technology adoption in the Indonesian MSME sector.
KEPUASAN MASYARAKAT ATAS KINERJA PELAYANAN PUBLIK (Studi pada Kantor Camat Peusangan Selatan Kabupaten Bireuen) Rusli, Rusli; Kamaruddin, Kamaruddin; Abqa, Rizkan
Ekonomika : Jurnal Ekonomi dan Pembangunan Vol 16 No 2 (2024): Ekonomika, September 2024
Publisher : Fakultas Ekonomi Universitas Almuslim Bireuen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51179/eko.v16i2.2892

Abstract

Public services are a series of activities in order to fulfill service needs in accordance with statutory regulations for every citizen, which are usually carried out by the government, including services at sub-district offices. In order for public satisfaction in services to be achieved, the performance factors of public service actors and trust need to be maintained and improved. This study relates to service satisfaction felt by the community in Peusangan sub-district, Bireuen Regency. Using the associative descriptive method relying on a sample of 96 respondents, representing the community in 25 villages, who carried out population administration at the sub-district office, the results were found; (1) public satisfaction is influenced by the performance of service employees, amounting to 36.28%, while the public service factor is 49.57% and public trust is 58.91%. (2) There is a significant causal relationship between performance, public service and public trust at a moderate level. And (3) If the contribution of the three factors, namely performance, service and public trust, to community satisfaction is very significant, it reaches 77.4%.
Development of Physical Training Models for U 15 Athletes in Archery Sasmarianto, Sasmarianto; Kamaruddin, Kamaruddin; Zulrafli, Zulrafli
Indonesian Journal of Sport Management Vol. 5 No. 1 (2025): Indonesian Journal of Sport Management
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/ijsm.v5i1.13409

Abstract

Background: This study aims to produce Physical Training Models of athletes in 15 Archery Sports, as a reference used for athletes and coaches in conducting training. In the development of Physical Training Models for athletes u 15 Archery Sport, it provides an overview of the rubber band gym training model, body weight in order to provide a variety of physical exercises for archery athletes un 15. Methods: This research is research and development. The method in this study uses the research and development (R&D) method. Results: This research was carried out by research methods, namely: identification of potentials and problems, information collection, product design, design validation, product manufacturing, expert validation, product revision, trial, final product. Conclusion: The results of the study show that the validation results from Media Experts are 77.1%, and from the validation results of Subject Matter Experts are 87.2%. Based on small group trials, the percentage of effective and suitable for use was obtained at 77.9%, and large-scale trials were effective and feasible to use at 85.1%, with suggestions and inputs such as adding or supplementing norms to tests and measurements as well as replacing book cover images. This media is declared suitable for use as a training medium and a reference guide for archers.
Co-Authors A, Megawati A. Ni’mahtul Churriyah Abd Basith, Abd Abda Abda Abdon Saiya Abdul Jabar Rahim Abdul Jalil Abdul Malik Abdurrahman Faris Indriya Himawan Abqa, Rizkan Adam Adam Adawiyah Pettalongi Adhawati, Sri Suro Adhim, Zakiyuddin Abdul Aditya, Rezky Afriana Afriana Ahmad Zahran Mansur ahmal, ahmal Ahmal, Ahmal Ahmal, Ahmal Aji Bimantara, Vitara Akbar Iskandar Akbar, Muh. Akhmad Wahyudi Akhyaruddin, Akhyaruddin Akram, Andi Muhammad Alfafa, Abduh Malik Aljazirah, Nuraeni Putri Almawati, Sri Alvia Auliah Alwi, Muh. Alya, Alya Amal Alam, Ade Ikhlas Amiruddin, Amran Amiruddin, Erwin Gatot Amirullah Putri Paradibah Andi Anirah Andi Hunafa Iskandar Andi Nur Fadillah, Andi Nur Andi Tamsil Andi Wawo Andi Yaqub Andiopenta Purba Andyna, Cut Anitra, Rien Anugrah Nova Yanti M Anwar, Asni Anwar, Dian Purnamasari Apriadi, Roni Apriyanti Apriyanti Aris, Ardiyanti Arizal Hamizar Arqam, M. Rukhul Arsandi, Taufik Asda Laining Asmi Citra Malina, Asmi Citra Asmiati, Rini Asmini, Asmini Asriani Asriani, Asriani Asrinaldy, Asrinaldy Assidiq, Mahfuz Astati, Sry Aswin Aulia Muttaqin Auliah Ambarwati Awaliyah, Neneng Ayu, Riski Azhari Azhari A’la, Rafiqul Bahrani Bahri, Halida Basri Basri Bayu Segara Bayu Taufiq Possumah, Bayu Taufiq Belinda Natasyah Rampo Berliana, Walda Dewi Burhan, Imron Cangara, Arie Syahruni Darlis, Syamsul Desy Desy, Desy Devi Armita Dewi Mariana, Dewi Dian Mayasari Disra, Disra Djamil M Nur, Muhammad Doddy Ismunandar Bahari Eddy Pahar Harahap Eko Nursalim, Eko Ellis Mardiana Panggabean Endrizal Ridwan Erfina, Erfina Eriek Aristya Pradana Putra Erika Franciska Erizal Erizal Erma Suryani Ermawati Usman Ernaningsih Ernaningsih Eva Ayuzar, Eva Fajar, Desi Reski Fakhriyah, Sitti Fakhruddin Fakhruddin Fatimah Zuhra Fatimah, Ana Cahayani Fatimawali . Fauzia Hulopi Fauzy, Ahmad Femiliani Novitasari Femiliani Novitasari Fitri Fitri Fitri, Jesica Indah Fitrianingrum, Aufa Maulida Fitriyani, Ika Fuspita sari, Fina Gani, Ilham Gazali Gazali Gita Ayu Lestari Gunta Wirawan Habibi, Khairul Hadi Sutrisno Hadijah Hadijah Haerul, Andi Hafied Cangara, Hafied Hamjan, Dewi Febriani Hariman Satria, Hariman Harlina Harlina Haryadi, Wahyu Haryanto Asri Haryanto Haryanto Hasmi, Athira Putri Hasnidar Hasnidar Hayatun Nufus Hendi Lilih Wijayanto Hendra Stevani Hendra, Akbar Hendri Koeswara Herik, Herik Hermansyah Hermansyah Hidayat, Ian Hidayat, Muh Farid Husin, Idris Husnaeni Husnaeni Ibrahim Ibrahim Idris Parakkasi Ilmi, Hidayatun Nur Ilyas, M. Irham Imam Suwardi Wibowo Inayatillah Inayatillah Insan Suwanto Insan Suwanto Insani, A N Irmawati Irmawati Irna, Irna Irsyan, Irsyan Irvan Irvan Isjoni Isjoni Ismail Ismail Isnan, Muh. Fauzi Iswandi Iswandi Iswandi Jafar, Usman Jalani, Hamidah binti Jalil, Jalil Jamaluddin Majid James, John Jarir, Dewi Virgiastuti Jasmiati Jasmiati, Jasmiati Juliana Juliana Jumriati, Jumriati Kaharuddin Kaimuddin, La Ode Kamar, Fahmi Kariadi, Dodik Karnay, Sudirman Kherani, Riska Khojir Layuk, Hesriyah Allo Lili Yanti, Lili Lubis, Rizki Maulana M Yusuf M. Abdullah, Rommy Machdi, Syakira Permadani Marah Doly Nasution Marhayani, Dina Anika Maria, Jeany Fatimah Mariam Mariam, Mariam Marjuah, Hilmiyah Marlina Karundeng Mashud, Mashud Maskur Maskur Masrendi, Masrendi Masriadi, Masriadi Maulana, Rizkha Maulyanda, Rizky Mawazid, Zidni Mertika MIFTAHUL JANNAH Miftahul Jannah Moch. Munir, Layyin Mahfiana I Nyoman Nurjaya Muh Fajar Ali Muh. Haical Muh. Riyaldi Pratama Muhammad Akbar Muhammad Rifqi Muhammad Rivai Muhammad Saenong Muhammad Yusuf Muhammad, Nurcholis Munirah, Rezky Murni Murni Musa, Rahmat Frans Musfirah Musfirah Mustakim Muchlis Mustapa, Mustapa Mustika, Nur Najirah Umar Najmi, Nur Nanda Dwi Nopianti Ningdayati, Rina Novitasari, Femiliani Nugroho, Vincentius Sulistyoaji Nur Azizah Nur Rahma Ramadhani Nur Silfiah Amin Nuraeni Nuraeni Nurfadilah Nurfadilah Nurhadi, A. R. NURLIANA NURLIANA Nurul Alhidaya Nurul Alifah Nurul Fatimah Nurul Uyun nuur, muhammad Ode, Asmi Oktaviani, Ria Pakaya, Erik Pariakan, Arman Patel, Kavya Patimbangi, Andi Patricia Mardiana Silangen Possumah, Bayu Taufik Pratama, Muh Riyaldi Putra Astaman Putri Aisyah, Putri Qadri, Muhammad R. Rusli Rachmadani, Rachmadani Radhyia Nur Syam Raehani, Najmi Rafsanjany, Dudy Akbar Rahim, Nurfitri Rahim, Rahim Rahmadi Rahman, A Syafir Rahman, Fery Fadul Rahman, H Abd Rahmatul Akbar Rasdawita Rende, Jeane Cornelda Reni Kurniawati, Reni Reyki Fitra Rajul, Reyki Fitra Rajul Ridwan Melay, Ridwan Riskha Arman Risman Risman Ritonga, Zuriani Riyanti Riyanti Rizky Maulana, Rizky Rum, Muhammad Rustam Rustam Rustam, Afrinady Safitri, Inchi Safrida Safrida Safrihady, Safrihady SAHABUDDIN SAHABUDDIN Saharuddin Said, Sadly Ashari Saifuddin Saifuddin Salsabilla, Adinda Thalia Samandi, Hariman Satria Samin Botanri Sapa, Nasrullah Bin Saputra, Aditiyo Tri Saputra, Adityo Tri Saputra, Kasnur Saslia, Eva Sasmarianto, Sasmarianto Selvi Hardianti Septian, Dwi Adjie Serlina, Serlina Setiawan, Angga Tegar Setiawan, Endi Setiawan, Romi Sidik Sidik Simahatie, Mai Siti Aslamyah Siti Fatimah Siti Marwiyah Siti Radiatul Azzahra Sitti Aisa, Sitti Sitti Fakhriyyah, Sitti Slamat Fitriyadi Sobirov, Bobur Solisa, Darwis Sri Indra Yani Sri Mulyani Sri Yanna Sudarsono, Firman Sudika, Aryandi Sukarni Sukarni Sulfiani, Sulfiani Sulfiarini, Sulfiarini Sumbawati, Novikadewi Sunardi Purwanda Suparno, I Wayan Suprapto, Wasis Suprehatin, Yulia Supriadi Supriadi Susan Neni Triani Sutoyo Sutoyo Syafriwana, Syafriwana Syafruddin Karimi, Syafruddin Syafruddin Syafruddin Syah, Rahmad Hidayat SYAMSU ALAM Syawaluddin Soadiq, Syawaluddin Syawaluddin, Ahmad Tahir, Tamus Bin Talla, Tamrin Tamsir, Tamsir Tang, Muhammad Tengkar, Soenandar Titin Sumarni Treesje K. Londa Trismawanti, Ike Ukhti, Ana Ulfa Ulfa Ulva, Siti Maria Umar, Dewi Bin Usman Usman Utama, Erdi Guna Vivek, Kumar Wahid, Khaerunnisa Wahyuningsih, Pujianti Wawan Krismanto Wijaya, Suman Wini, Lusia Oktri Wiwin Wiwin, Wiwin Yahya, Fahmi Yohana, Via Yulia Rahman Yuliantoro, Yuliantoro Yusra, Yusra Zahratul Aeni Zainal, Zaid Zakman, Arief Zulfahita, Zulfahita Zulkifli, Muhammad Irfan Bin Zulrafli, Zulrafli