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All Journal Religi: Jurnal Studi Agama-agama Jurnal Bisnis, Manajemen, dan Informatika TAHKIM J-CEKI
Dety Aryani Relubun
Institut Agama Islam Negeri (IAIN) Ambon
Religion Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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AGAMA DAN FILANTROPI: PENGARUH PROMOSI TERHADAP MINAT MASYARAKAT MENJADI FILANTROPIS ZAKAT (MUZAKKI) PADA LEMBAGA AMIL ZAKAT DI KOTA AMBON Rosna Kurnia; Dety Aryani Relubun; Wahyu Ismail Kurnia; Roni Ismail
Religi: Jurnal Studi Agama-agama Vol 16, No 1 (2020)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/rejusta.2020.1601-05

Abstract

Each religion obliges its followers to do philanthropy deed. Zakat is one of philanthropy tenets in Islam. In Islam, zakat is believed to be one of the vital instruments in an effort to eradicate poverty, decrease unemployment rate, and improve the life quality of society. As Muslim majority country, Indonesia rightly need to optimize the zakat philanthropy program through stimulating people's inclination to become loyal zakat philanthropist or Muzakki in one of the Zakat collection agencies in Indonesia. This research, therefore, is aiming at analyzing the influence of promotion on forming people's interest in becoming Muzakki in one of the Zakat agencies in Ambon, Maluku province. The quest was particularly conducted in YAKESMA Zakat Agency in Ambon. The data collection processes were literary study, interview, and questionnaire allotment regarding the research. As for the data analyzing, the simple linear regression analysis was used with variables consisting of promotion scale and people's proclivity of 25 out of 154 respondents. The outcome of the research indicated that the promotion scale has a significant improvement of people's proclivity to become Muzakki or zakat philanthropist in YAKESMA Zakat agency in Ambon. The promotion effort contributed 78.9 percent in forming Ambonese’s proclivity to become loyal zakat philanthropist (Muzakki) in YAKESMA Zakat agency in Ambon.
Fenomena Kinerja Industri Perbankan Syariah di Maluku Dety Aryani Relubun; Muhammad H. Holle; Maimuna Toatubun
JBMI (Jurnal Bisnis, Manajemen, dan Informatika) Vol. 18 No. 3 (2022): JBMI
Publisher : Department of Management FEB Unhas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/jbmi.v18i3.18914

Abstract

Penelitian ini bertujuan mengetahui pertumbuhan aset industri Perbankan Syariah di Maluku dan menawarkan strategi meningkatkan pertumbuhan aset industri perbankan syariah di Maluku. Jenis penelitian adalah lapangan Penelitian ini adalah field research dengan pendekatan kualitatif dan menggunakan case studi serta menelaah dokumen statistik pada industri Perbankan Syariah di Maluku. Karena merupakan penelitian kualitatif, maka metode yang digunakan postpositivistik-interpretative. Informan dalam penelitian ini adalah Manager Perbankan Syariah, terdiri dari Bank Muamalat Indonesia Cabang Ambon dan Bank Syariah Mandiri Cabang Ambon. Pengumpulan data menggunakan teknik wawancara, dokumentasi dan studi pustaka. Pengolahan data menggunakan olah data deskriptif kualitatif kemudian dianalisis dengan teknik induktif. Hasil penelitian ini menemukan bahwa 1). Pertumbuhan aset industri Perbankan Syariah di Maluku dihadapkan dengan kendala internal dan eksternal yang menjadi faktor pelambatan pertumbuhan aset industri perbankan syariah di Maluku. Faktor internal, terdiri dari kondisi modal kerja, dimana tahun 2017 pada triwulan IV modal kerja sebesar Rp14,26 miliar atau 92,57 persen dan terjun bebas di triwulan IV tahun 2018 yang hanya Rp14,34 miliar atau 0,55 persen. Angka pembiayaan konsumsi Rp153,69 miliar atau 65,32 persen pada triwulan IV tahun 2017 mengalami penurunan dratis pada triwulan IV di tahun 2018 yang hanya 24,03 persen atau Rp190,62 miliar. Dari sisi liabilitas, Dana Pihak Ketiga (DPK) yang minim karena didominasi sumber dana jangka pendek. Pembiayaan perbankan syariah lebih didominasi oleh murabahah dibanding pembiayaan lainnya. keyword: fenomena, kinerja perbankan syariah
PENGARUH KUALITAS SISTEM INFORMASI AKADEMIK (SIAKAD) TERHADAP KEPUASAN MAHASISWA PADA IAIN AMBON Dety Aryani Relubun; Rosna Kurnia; Sabi Ode Umar
TAHKIM Vol 15, No 2 (2019): TAHKIM
Publisher : IAIN Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (471.666 KB) | DOI: 10.33477/thk.v15i2.1169

Abstract

Penelitian ini bertujuan untuk mengetahui tingkat signifikansi kualitas sistem informasi akademik terhadap kepuasan mahasiswa pada IAIN Ambon. Metode penelitian menggunakan eksplanatory research. Lokasi penelitian pada Fakultas Syariah dan Ekonomi Islam, Fakultas Ushuluddin dan Dakwah dan Fakultas Tarbiyah IAIN Ambon. Dengan objek penelitian pengguna SIAKAD yaitu mahasiswa. Sampel 83 mahasiswa dari jumlah populasi 728 orang, pengambilan besaran sampel menggunakan rumus Slovin, dengan instrument pengambilan data menggunakan kuisioner. Analisis data menggunakan teknik analisis deskriptif dan analisis statistik inferensial yaitu regresi linier sederhana. Hipotesis dalam penelitian ini yaitu kualitas sistem informasi akademik berpengaruh secara signifikan terhadap kepuasan mahasiswa. Hasil penelitian menunjukkan bahwa hipotesis yang diusulkan diterima.
Preferensi Konsumen Sektor UMKM pada Bank Umum Syariah di Kota Ambon (Pembiayaan Modal Kerja & Investasi) Afdhal Yaman; Arizal Hamizar; Muhammad Reza Nacikit; Dety Aryani Relubun; Fatmah Watty Pelupessy; Muammar W. Maruapey; Fadli Fendi Malawat; Rajab Rajab
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 2: Februari 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i2.7642

Abstract

This study aims to understand the preferences of MSME consumers in Ambon City toward working capital and investment financing provided by Islamic Commercial Banks (BUS). Amid competition with conventional banks, BUS holds significant potential to offer financing aligned with Sharia values, though it has yet to become the primary choice for many business owners. This study identifies the factors influencing MSMEs' decisions to choose BUS, deemed relevant for the development of the MSME sector in Ambon City. The research method used is a qualitative approach involving in-depth interviews and participatory observation with MSME actors in Ambon City. Through thematic analysis, data is processed to explore perceptions, experiences, and factors influencing MSMEs' choice of Sharia financing. The results show that MSMEs' preference for BUS is driven by adherence to Sharia principles, the flexibility of profit-sharing schemes, and ease in requirements and application processes. The profit-sharing scheme implemented by BUS provides advantages in terms of flexible payments adjusted to business income, especially for businesses with fluctuating cash flows. Additionally, guidance from BUS in investment planning offers significant added value for MSMEs in long-term business development.
Preferensi Teknologi, Perencanaan dan Pengambilan Keputusan Keuangan Berdasar Literasi Keuangan Syariah Arizal Hamizar; Fatmah Watty Pelupessy; Dety Aryani Relubun; Muhammad Reza Nacikit; Afdhal Yaman; Muammar W. Maruapey; Fadli Fendi Malawat; Soenari Soenari
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 2: Februari 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i2.7643

Abstract

This research aims to analyze the influence of Islamic financial literacy on students' financial decision-making behavior, particularly in the context of financial technology (fintech) adoption. The study focuses on understanding how students’ preferences, trust, and comprehension of Islamic financial literacy affect their decisions in using fintech services and its impacts. This research employs a qualitative approach with an exploratory method, involving in-depth interviews with students from various majors and universities in Ambon City. Data were analyzed using a thematic method, identifying and interpreting key themes such as preferences toward fintech, trust levels, and the influence of fintech on students' financial decisions in depth. The results show that students have a high preference for fintech due to factors like efficiency, convenience, and accessibility. However, trust levels in fintech are influenced by perceptions of risk and data security. Islamic financial literacy plays a significant role in shaping students’ preferences for Sharia-based fintech services. Furthermore, fintech adoption has been proven to influence students’ financial planning, particularly in encouraging more practical and efficient financial management behavior, while also presenting challenges in maintaining consistency with Sharia financial principles.
Co-Authors Afdhal Yaman Arizal Hamizar Fatmah Watty Pelupessy H. Rajab Maimuna Toatubun Malawat, Fadli Fendi Mohammad H. Holle Muammar W. Maruapey Muhammad Reza Nacikit Roni Ismail Rosna Kurnia Sabi Ode Umar Soenari Soenari Wahyu Ismail Kurnia