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PROSPEK DAN TANTANGAN DALAM PERKEMBANGAN ASURANSI SYARIAH DI INDONESIA Fadillah, Febriana Eka; Kurniawati, Fitri
Journal Of Sharia Banking Vol 6, No 1 (2025): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v6i1.11019

Indonesia merupakan salah satu negara yang memiliki populasi Muslim terbesar. Potensi dan oleh karena itu, peluang keuangan syariah di Indonesia sangat besar, termasuk syariah sektor asuransi. Artikel ini bertujuan untuk mengidentifikasi dan menganalisis potensi dan perkembangan pasar di Indonesia. Dengan menggunakan tinjauan pustaka yang sistematis yang menggunakan buku-buku dan literatur terkait lainnya, hasilnya menunjukkan potensi perkembangan asuransi syariah di Indonesia sudah besar. Hal ini dibuktikan oleh adanya beberapa faktor pendukung serta strategi yang diarahkan untuk dikembangkan asuransi syariah khususnya dari pemerintah yang membuat peraturan resmi.

PENGARUH LINGKUNGAN KERJA, KARAKTER INDIVIDU DAN KARAKTERISTIK PEKERJAAN TERHADAP KINERJA KARYAWAN PANEN PADA PT. SERBA HUTA JAYA Kurniawati, Fitri; Nurjanah, Danik; Hanum, Tri Arfa
Jurnal Ilmu Ilmu Agribisnis: Journal of Agribusiness Science Vol. 13 No. 3 (2025)
Publisher : Lampung University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/jiia.v13i3.10522

This study aims to describe and explain the influence of work environment, individual characteristics, and job characteristics of a company on employee performance. The type of research used in this thesis is descriptive with a qualitative approach. The study was conducted at PT. Serba Huta Jaya. The sample in this study consisted of harvest employees at PT. Serba Huta Jaya, totaling 30 employees. The data analysis technique used is multiple linear regression analysis. Data obtained from measurements using the Likert scale were qualitatively collected and then quantified using ordinal measurements. The results of this study indicate that the work environment, individual characteristics, and job characteristics have an effect on the performance of harvest employees at PT. Serba Huta Jaya. This means that when the work environment, individual characteristics, and job characteristics function well together, they will improve the performance of the harvest employees at PT. Serba Huta Jaya. Keywords: job characteristics, individual characteristics, work environment

Extraction Optimization of Phenolic Compounds from Rimpang Lempuyang Gajah (Z. Zerumbet): Green Solvent (NADES-UAE) (Ultrasound-Assisted Extraction) and MAE (Microwave Assisted Extraction) Berghuis, Nila Tanyela; Nursanto, Eduardus Budi; Nanda, Elsa Vera; Maryana, Erma; Tjokrokusuma, Donowati; Kurniawati, Fitri
Science and Technology Indonesia Vol. 10 No. 4 (2025): October
Publisher : Research Center of Inorganic Materials and Coordination Complexes, FMIPA Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26554/sti.2025.10.4.1179-1187

The Lempuyang plant is one of the medicinal plants in Indonesia. One of the plants of the Lempuyang family that has not been widely researched is Lempuyang Gajah Zingiber zerumbet (L.). The commonly used method of extraction of phenolic compounds is maceration with organic solvents. The disadvantages are the amount of organic solvents that must be used and the long extraction time (days). An environmentally friendly solvent that has been successfully developed in the 21st century is eutectic or known as Natural deep eutectic solvent (NADES). In addition, NADES can also be used in conjunction with other extraction methods such as (UAE), and microwave aid (MAE). The results obtained were the synthesis of NADES with HBA (Choline Chloride) and HBD variations (Glucose, Lactic Acid, and Ethylene Glycol) with ratios of 1:1 and 1:2. In the maceration process, variations in time (2, 4, 6 hours) and variations in extraction methods (maceration, UAE and UAE-MAE) are carried out. The best TFC (Total Flavonoid Content) value data was obtained by NADES D (choline chloride: glycerol 1:2) of 697.24 mg QE/g extract through a combined ultrasonic and microwave method (UAE-MAE) while the best TPC (Total Phenolic Content) was NADES C (choline chloride: glycerol 1:1) of 2491.88 mg GA/g extract through a combined ultrasonic and microwave method (UAE-MAE). Meanwhile, the characterization of NADES synthesis to see the interaction of hydrogen bonds through FTIR analysis, and the content of phenolic compounds and flavonoids was carried out through HPLC-DAD.

HUBUNGAN PENGETAHUAN, KONSUMSI CAIRAN DAN STATUS GIZI DENGAN STATUS HIDRASI PADA KURIR EKSPEDISI Kurniawati, Fitri; Sitoayu, Laras; Melani, Vitria; Nuzrina, Rachmanida; Wahyuni, Yulia
JURNAL RISET GIZI Vol. 9 No. 1 (2021): Mei (2021)
Publisher : Poltekkes Kemenkes Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31983/jrg.v9i1.6428

Background: Hydration results from body fluids balance, while dehydration results from body fluids imbalance. Dehydration can result from losing too much water, not drinking enough or both of these things. There are certain job who has Â special needs for fluids especially who works in hot environments.Objective: To determine the relationship between knowledge, fluid intake and nutritional status with hydration status in expedition couriers.Methods: A cross-sectional design with 44 expedition couriers as the research subject. Knowledge of fluids were obtained using a questionnaire, fluid intake were obtained by interview using repeated 24-h food recall, nutritional status were obtained by using BMI and the hydration status were obtained by urine specific gravity using urinalysis reagent strips. The data was processed and analyzed using Pearson correlation test.Results: Most of the respondents had sufficient knowledge (59.1%). The average fluid intake of the respondents were 2562 mL. Most of the respondents had normal nutritional status (45.4%). Almost half of respondents has pre-dehydration (45.5%). There Â were arelationship between knowledge of fluids and hydration status (p=0,0001, r=-0,514), also between fluid intake and hydration status (p=0,0001, r=-0,685). There is no relationship between nutritional status and hydration status (p=0,337, r=0,148).Conclusion: Fluid intake and hydration status on expedition couriers are still not as expected, even though expedition couriers have sufficient knowledge.Â

HUBUNGAN PENGETAHUAN, KONSUMSI CAIRAN DAN STATUS GIZI DENGAN STATUS HIDRASI PADA KURIR EKSPEDISI Kurniawati, Fitri; Sitoayu, Laras; Melani, Vitria; Nuzrina, Rachmanida; Wahyuni, Yulia
JURNAL RISET GIZI Vol. 9 No. 1 (2021): Mei (2021)
Publisher : Poltekkes Kemenkes Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31983/jrg.v9i1.6428

Background: Hydration results from body fluids balance, while dehydration results from body fluids imbalance. Dehydration can result from losing too much water, not drinking enough or both of these things. There are certain job who has Â special needs for fluids especially who works in hot environments.Objective: To determine the relationship between knowledge, fluid intake and nutritional status with hydration status in expedition couriers.Methods: A cross-sectional design with 44 expedition couriers as the research subject. Knowledge of fluids were obtained using a questionnaire, fluid intake were obtained by interview using repeated 24-h food recall, nutritional status were obtained by using BMI and the hydration status were obtained by urine specific gravity using urinalysis reagent strips. The data was processed and analyzed using Pearson correlation test.Results: Most of the respondents had sufficient knowledge (59.1%). The average fluid intake of the respondents were 2562 mL. Most of the respondents had normal nutritional status (45.4%). Almost half of respondents has pre-dehydration (45.5%). There Â were arelationship between knowledge of fluids and hydration status (p=0,0001, r=-0,514), also between fluid intake and hydration status (p=0,0001, r=-0,685). There is no relationship between nutritional status and hydration status (p=0,337, r=0,148).Conclusion: Fluid intake and hydration status on expedition couriers are still not as expected, even though expedition couriers have sufficient knowledge.Â

HUBUNGAN PENGETAHUAN, KONSUMSI CAIRAN DAN STATUS GIZI DENGAN STATUS HIDRASI PADA KURIR EKSPEDISI Kurniawati, Fitri; Sitoayu, Laras; Melani, Vitria; Nuzrina, Rachmanida; Wahyuni, Yulia
JURNAL RISET GIZI Vol. 9 No. 1 (2021): Mei (2021)
Publisher : Poltekkes Kemenkes Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31983/jrg.v9i1.6428

Background: Hydration results from body fluids balance, while dehydration results from body fluids imbalance. Dehydration can result from losing too much water, not drinking enough or both of these things. There are certain job who has Â special needs for fluids especially who works in hot environments.Objective: To determine the relationship between knowledge, fluid intake and nutritional status with hydration status in expedition couriers.Methods: A cross-sectional design with 44 expedition couriers as the research subject. Knowledge of fluids were obtained using a questionnaire, fluid intake were obtained by interview using repeated 24-h food recall, nutritional status were obtained by using BMI and the hydration status were obtained by urine specific gravity using urinalysis reagent strips. The data was processed and analyzed using Pearson correlation test.Results: Most of the respondents had sufficient knowledge (59.1%). The average fluid intake of the respondents were 2562 mL. Most of the respondents had normal nutritional status (45.4%). Almost half of respondents has pre-dehydration (45.5%). There Â were arelationship between knowledge of fluids and hydration status (p=0,0001, r=-0,514), also between fluid intake and hydration status (p=0,0001, r=-0,685). There is no relationship between nutritional status and hydration status (p=0,337, r=0,148).Conclusion: Fluid intake and hydration status on expedition couriers are still not as expected, even though expedition couriers have sufficient knowledge.Â

ANALISIS HUKUM EKONOMI SYARIAH TERHADAP TRANSAKSI BAYAR NANTI (PAYLATER) PADA APLIKASI SHOPEE: Pendahuluan, metode penelitian, hasil dan pembahasan, kesimpulan, daftar pustaka Savila, Lisna Nisa; Kurniawati, Fitri; Gunawan, Ade
Sahmiyya: Jurnal Ekonomi dan Bisnis Vol 3, No 1 Mei 2024
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

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Shopee is an application that facilitates online buying and selling. One of the products or offers in the shopee application is Shopee paylater which provides loans or installments for shopee users who buy goods on credit online. In this case, the researcher aims to find out the pay later transaction through the paylater from the shopee application based on sharia economic law. This research uses a qualitative research method that uses a library research approach. Based on the results of research and discussion, where based on sharia economic law there are two laws that allow and prohibit transactions using paylater. Where Shopee paylater brings harm to consumers because this feature provides benefits from users and this payment delay is usury because one of the conditions contains provisions for fines if it exceeds the previously agreed tempo, but in Islamic economic transactions the important thing is honesty. with honesty will bring goodness, happiness and trust so as to provide blessings.

Spint-Off: Peluang dan Tantangan Industri Asuransi Syariah di Indonesia Lestari, Agustina Ayu; Yusuf, Mochamad; Kurniawati, Fitri
SIL'AH: Jurnal Ekonomi Syariah Vol. 1 No. 2 (2024): SIL'AH: Jurnal Ekonomi Syariah
Publisher : Sekolah Tinggi Agama Islam (STAI) Ki Ageng Pekalongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64994/silah.v1i2.16

The development of sharia insurance certainly creates opportunities and challenges, because market penetration and spin-off efforts are required. This research aims to provide descriptive and explorative information about the potential and challenges of the Sharia insurance industry facing spin-offs. The research uses descriptive qualitative. This research uses a literature study. Data from secondary with technical analysis of reduction, validation, and concluding. The research results explain that the Sharia insurance industry has massive market penetration but has not responded well enough. The potential for sharia insurance through the spin-off process is to further increase effectiveness, quantity, and quality such as increasing units, more marketers, clear regulations, and increased literacy to the implementation of the spin-off policy. Spin-off is a solution for the Sharia insurance industry. This research contributes to the importance of awareness of spinoff opportunities as seen from the broad market prospects, policy support, small penetration, product heterogeneity, and lifestyle of Indonesians.

URBAN MUSLIM PREFERENCES AND THE USE OF SHARIA MONETARY INSTRUMENTS: A CASE STUDY IN PEKALONGAN Kurniawati, Fitri; Soemitra, Andri; Harahap, Isnaini; Khoiri Furqon, Imahda; Adnan Ahmed Usmani, Sheikh
AKADEMIKA: Jurnal Pemikiran Islam Vol 30 No 2 (2025)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/akademika.v30i2.10999

This study explores urban Muslims’ preferences in Pekalongan for sharia monetary instruments—sukuk, mudharabah, and murabahah—focusing on their adoption in supporting MSMEs, particularly in the batik sector. Using a descriptive qualitative method with a phenomenological approach, it draws on OJK and BPS Pekalongan data alongside scholarly literature, but requires clearer justification for how these sources are integrated analytically. Findings highlight a preference for mudharabah and murabahah due to their alignment with Islamic ethical values and practical utility for MSMEs, while sukuk is underutilized due to its complexity and limited local relevance. Key drivers of adoption include strong Islamic identity, expanding sharia banking and fintech, and batik cooperatives, with barriers such as low sharia financial literacy (39.11%), regulatory gaps, and competition from conventional systems. The study proposes a Localized Islamic Financial Adoption Model inclusion framework combining maqasid al-shariah and diffusion of innovations theory, emphasizing cultural identity, literacy, and regulation. It recommends tailored financial education and local regulatory enhancements to strengthen Pekalongan’s sharia financial ecosystem, offering a model for other small Indonesian cities.

Analisis Financial Distress Pada PT. Sarimelati Kencana Tbk. Sebagai Dampak Pandemi Covid-19 Kurniawati, Fitri; Puspasari, Ismayantika Dyah
Prosiding Seminar Nasional Manajemen, Ekonomi dan Akuntansi Vol. 6 No. 1 (2021): PROSIDING SEMINAR NASIONAL MANAJEMEN, EKONOMI DAN AKUNTANSI 2021
Publisher : Universitas Nusantara PGRI Kediri

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Penelitian ini bertujuan untuk mengetaui kondisi financial distress pada PT.Sarimelati Kencana Tbk tahun 2020 mengunakan tiga model prediksi yaitu model Altman Z-Score Springate dan Zmijewski. Kebangkrutan perusahaan terjadi biasanya diakibatkan oleh masalah dalam perusahaan yang berlarut-larut dibiarkan. Untuk mengukur dan melihat prediksi kebangkrutan dalam suatu perusahaan adalah meggunakan laporan keuangan. Hal tersebut bisa dilakukan dengan cara melakukan analisis financial distress dalam bentuk rasio-rasio keuangan. untuk membantu mengenali tanda-tanda kondisi krisis sebagai alat untuk memperbaiki sebelum sampai pada kebangkrutan yaitu menggunakan Model Altman Z-Score, model Springate, dan model Zmijewski. Penelitian ini menggunakan data kuantitatif yaitu berupa angka dan dapat diolah menggunakan perhitungan matematika. Sumber data dari penelitian ini adalah laporan keuangan PT.Sarielati Kencana Tbk tahun 2020 yang telah terupload pada website bursa efek Indonesia. Dari sumber data tersebut dapat diperole prediksi kondisi financial distress perusahaan menggunakan perhitungan model altman zscore springate dan zmijewski. Kata Kunci: Financial distress, Model Altman Z-Score, Model Springate Model Zmijewski.

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