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THE INFLUENCE OF KNOWLEDGE, RELIGIOSITY, AND POCKET MONEY ON STUDENTS' INTEREST FOR SAVING IN SHARIA COMMERCIAL BANKS Qurrati A’inina, Fanny; Mardi, Mardi; Susanti, Santi
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 1 No. 1 (2021): OCTOBER 2021
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (454.134 KB) | DOI: 10.55047/cashflow.v1i1.16

Abstract

This research aims to determine the effect of Knowledge, Religiosity, and Pocket Money on interest for saving in shariah banks. Data collection techniques using questionnaires and using primary data with a population of 503 students from the Faculty of Economics at the State University of Jakarta. The sample selection was done by proportional random sampling technique which resulted 205 samples. Data analysis uses several regression analyses with the help of SPSS. The results showed: (1) Partial knowledge has a positive and significant effect on interest in saving. (2) Partial religiosity does not affect interest in saving. (3) Partial pocket money has a positive and significant effect on interest in saving. (4) Knowledge, religiosity and pocket money simultaneously affect interest in saving.
ANALISIS SISTEM INFORMASI WEBSITE TAMPAH HILLS DENGAN METODE USER CENTERED DESIGN Hakim, Madie Wire; Mardi, Mardi; Asyari, Hasyim; Rodi, Muhamad
Jurnal Informatika Teknologi dan Sains (Jinteks) Vol 7 No 1 (2025): EDISI 23
Publisher : Program Studi Informatika Universitas Teknologi Sumbawa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51401/jinteks.v7i1.5383

Abstract

Kemajuan sistem informasi teknologi sangat cepat  yang berdampak terhadap kebiasaan masyarakat dalam menjalankan aktifitasnya. Perkembangan dunia teknologi hal mendasar dan sangat diperlukan dalam mengambil dan keputusan-keputusan penting yang mengacu pada sebuah informasi teknologi mampu mengolah data menjadi informasi penting dan dapat dipahami oleh pengguna informasi tersebut. Tujuan penelitian adalah untuk mengetahui pengaruh design, usability, dan content terhadap kepuasan pengguna. Dalam penelitian merupakan proses untuk menilai atau membandingkan (misalnya kuesioner) mampu mengukur apa yang sebenarnya ingin diukur secara akurat. Dengan kata lain, uji ini memastikan bahwa setiap item atau pertanyaan dalam kuesioner benar-benar relevan dan tepat dalam mengukur variabel penelitian yang diinginkan Menggunakan spss. Uji reliabilitas, seperti nilai Cronbach Alpha, digunakan untuk menilai konsistensi internal dari setiap indikator dalam variabel yang diuji, sehingga memastikan bahwa indikator-indikator tersebut secara konsisten. Nilai constant adalah = 1,602, nilai constant positif menunjukan pengaruh positif variabel independen Nilai constant adalah = 2,606, nilai constant positif menunjukan pengaruh positif variable independen naik atau berpengaruh dalam satu satuan, maka variable terpenuhi. Hasil penelitian menunjukkan bahwa sistem informasi website Tampah Hillterdapat yang tidak signifikan terhadap design sama content yang perlu ditingkatkan oleh pengembang.
Pengaruh Latihan Menggunakan Media Alat Bantu Robopong dan Spongewheel Terhadap Ketepatan Hasil Pukulan Backhand Spin pada Cabang Olahraga Tenis Meja: PENGARUH LATIHAN MENGGUNAKAN MEDIA ALAT BANTU ROBOPONG DAN SPONGEWHEEL TERHADAP KETEPATAN HASIL PUKULAN BACKHAND SPIN PADA CABANG OLAHRAGA TENIS MEJA Mardi, Mardi; Muhtar, Tatang; Safari, Indra
Gelanggang Olahraga: Jurnal Pendidikan Jasmani dan Olahraga (JPJO) Vol. 8 No. 2 (2025): Gelanggang Olahraga: Jurnal Pendidikan Jasmani dan Olahraga
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/jpjo.v8i2.10008

Abstract

This study aims to determine the effect of training using robopong and spongewheel media on the accuracy of backhand spin strokes in table tennis. The research method used is experimental, using the Matching-Only Pretest-Posttest Control Group Design design. The population in this study consists of students who are members of the Table Tennis Student Activity Unit (UKM) and comprises 30 samples aged 18-25 years. Sampling was conducted using a purposive sampling technique. The treatment for both the experimental and control groups was performed twice a week over 16 sessions. The final results of the treatment show that both exercises positively affect the improvement of backhand spin shot accuracy in table tennis. In conclusion, based on the average values of both groups, training using the Robopong aid is significantly more influential than training using the Spongewheel aid in improving the accuracy of backhand spin strokes in table tennis. Keywords: Backhand Spin, Media Tools, Robopong, Sponge wheel, Precision,
Determination of Mudharabah Savings at Sharia Commercial Banks in Indonesia Deni, Deni; Mardi, Mardi; Ulum, Itah Miftahul
INJURITY: Journal of Interdisciplinary Studies Vol. 3 No. 4 (2024): INJURITY: Journal of Interdisciplinary Studies.
Publisher : Pusat Publikasi Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58631/injurity.v3i4.198

Abstract

This study aims to analyze the impact of economic variables on mudharabah savings in an Islamic financial environment. The main focus of this study is on three key factors: people's income, profit sharing rate, and inflation rate. The approach applied is quantitative as continuous data or time series.  The sources collected are secondary data from various Islamic banking institutions obtained in the financial statements released by the Otoritas Jasa Keuangan from 2017 to 2022, so that a sample of 7 Islamic commercial banks was obtained by purposive sampling processed and analyzed using SPSS 25 software. Overall, this study explores the variables of public income, profit sharing rate, and inflation on mudharabah savings. Based on the explanation of the findings of this study, it is revealed that partially the variables of public income and profit sharing rate have a significant influence on mudharabah savings, while in this context there is no evidence to suggest that inflation has an effect on mudharabah savings.
Enhancing User Satisfaction and Loyalty in MSMEs: The Role of Accounting Information Systems Imtihan, Khairul; Mardi, Mardi; Tantoni, Ahmad; Bagye, Wire; Zulkarnaen, Muhammad Fauzi
Journal of Information System and Informatics Vol 7 No 1 (2025): March
Publisher : Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51519/journalisi.v7i1.1044

Abstract

This study examines the impact of Accounting Information System (AIS) attributes on User Satisfaction, Decision-Making, and Loyalty among Micro, Small, and Medium Enterprises (MSMEs). The research evaluates how Content, System Quality, Information Quality, and User Characteristics influence satisfaction and decision-making, ultimately shaping user loyalty. A quantitative approach utilizing Partial Least Squares Structural Equation Modeling (PLS-SEM) was employed to analyze responses from 62 MSME operators in East Lombok, Indonesia. The findings indicate that Content and System Quality significantly enhance User Satisfaction and Decision-Making, which in turn mediate their effects on User Loyalty. Contrary to conventional expectations, Information Quality has a minimal impact, suggesting that MSMEs prioritize system usability and functionality over informational attributes. The study reinforces the critical mediating roles of satisfaction and decision-making, highlighting how system attributes influence behavioral outcomes. In practical terms, AIS should be designed with simplicity, reliability, and relevance to MSME needs, ensuring ease of adoption and operational efficiency. Policymakers are encouraged to promote digital literacy and provide affordable AIS solutions to accelerate adoption among MSMEs. Additionally, the study suggests that future research explore broader cultural and organizational dynamics affecting AIS adoption and employ mixed-method approaches for deeper insights into user behavior.
The Influence of Entrepreneurial Motives, Family Environment and Financial Literacy on Entrepreneurial Intentions Wicaksono, Putri Nur Hidayati; Mardi, Mardi; Respati, Dwi Kismayanti
Jurnal Ilmiah Manajemen Kesatuan Vol. 12 No. 1 (2024): JIMKES Edisi Januari 2024
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v12i1.2388

Abstract

The high level of poverty and low entrepreneurship ratio in Indonesia have encouraged the government to increase the number of young entrepreneurs. By focusing on students of the Jakarta State University Entrepreneurial Student Program (Program Mahasiswa Wirausaha/PMW), this research aims to explore the influence of entrepreneurial motives, family environment, and financial literacy on entrepreneurial intensity. quantitative and uses survey research methods. This research uses dependent variables and independent variables. The results of quantitative research with 165 respondents show that partially entrepreneurial motives and family environment have a positive and significant influence on students' entrepreneurial intensity. Research recommends the need for entrepreneurship development programs that can strengthen entrepreneurial motives and create a family environment that supports student entrepreneurial activities. Although financial literacy has not been proven to have a significant effect, research highlights the importance of paying attention to other aspects that may be more dominant in motivating students to become young entrepreneurs. These findings provide a basis for development policies and educational programs that are more effective in increasing the intensity of entrepreneurship among students, so that they can make a positive contribution to the economy and reduce poverty levels.
Analysis Of Non-Performing Financing Factors In Sharia Savings And Loans Cooperative (KSPPS) Alfa Mar’atus Sholihah, Cirebon City Safitri, Nanda Aisyah; Sari, Linda; Sutirwan Wahdiat, Irwan; Mardi, Mardi
Jurnal Ekuisci Vol 2 No 6 (2025): Vol 2 No 6 July 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/ekuisci.v2i6.758

Abstract

Aims. This research was conducted to identify various factors contributing to the emergence of Non-Performing Financing (NPF) in the Sharia Cooperative Alfa Mar’atus Sholihah. Methods. This study uses a descriptive, qualitative approach categorized as field research. The main data source comes from primary data collected through observations, interviews, and documentation involving the secretary and employees of the Sharia Savings and Loans Cooperative Alfa Mar’atus Sholihah. Results. The findings indicate that the factors causing NPF in the Sharia Cooperative Alfa Mar’atus Sholihah consist of internal factors, such as the financing process and the profit-sharing system, as well as external factors, such as the character of customers and economic growth. Conclusions. Based on research at KSPPS Alfa Mar’atus Sholihah, internal and external factors influence Non-Performing Financing (NPF). Internally, while the financing system is adequate with proper education and monitoring, issues arise in installment payments and unclear profit-sharing agreements. Externally, NPF is affected by member characteristics like low repayment ability and reliance on stable economic growth. To reduce NPF, the cooperative should strengthen education, monitoring, and member engagement, while staying responsive to economic changes. Implications. These findings provide insights for the management of KSPPS Alfa Mar’atus Sholihah to improve financing procedures and customer education, as well as to consider customer characteristics and economic conditions in financing management
PENINGKATAN KETERAMPILAN PENULISAN ARTIKEL ILMIAH MELALUI BOOTCAMP BERBASIS PENDEKATAN INTERAKTIF BAGI MAHASISWA Imtihan, Khairul; Mardi, Mardi; Rodi, Muhamad; Bagye, Wire; Zulkarnaen, Muhammad Fauzi
Jurnal Abdi Insani Vol 12 No 5 (2025): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v12i5.2492

Abstract

Penulisan artikel ilmiah merupakan keterampilan penting bagi mahasiswa dalam menyelesaikan tugas akademik seperti laporan Praktik Kerja Lapangan (PKL) dan tugas akhir. Banyak mahasiswa mengalami kesulitan dalam memahami struktur artikel ilmiah, teknik pengelolaan referensi, serta analisis data penelitian. Keterbatasan tersebut menghambat proses penulisan laporan secara efektif. Akibatnya, banyak mahasiswa tidak dapat menyelesaikan laporan tepat waktu, yang berdampak pada keterlambatan kelulusan. Untuk mengatasi permasalahan tersebut, diadakan Bootcamp Penulisan Artikel Ilmiah yang bertujuan untuk meningkatkan pemahaman dan keterampilan mahasiswa dalam menulis artikel ilmiah secara sistematis sesuai standar akademik melalui pelatihan intensif berbentuk bootcamp interaktif. Metode kegiatan yang digunakan dalam bootcamp ini meliputi ceramah, demonstrasi, dan praktik langsung yang dilakukan selama lima pertemuan. Setiap sesi mencakup materi seperti pengantar penelitian, teknik pencarian referensi menggunakan Mendeley, struktur artikel ilmiah, analisis data dengan SmartPLS, serta strategi submit artikel ke jurnal ilmiah. Evaluasi dilakukan melalui pre-test dan post-test untuk mengukur peningkatan pemahaman peserta.  Hasil kegiatan menunjukkan adanya peningkatan signifikan dalam pemahaman peserta, dengan rata-rata nilai pre-test sebesar 65,7 dan post-test sebesar 92,8. Selain itu, peserta menunjukkan peningkatan keterampilan dalam menyusun artikel ilmiah, pengelolaan referensi, dan analisis data. Pendekatan interaktif dan kombinasi metode pembelajaran dalam bootcamp ini terbukti efektif dalam meningkatkan motivasi mahasiswa dalam menyusun dan mempublikasikan artikel ilmiah. Bootcamp ini berhasil meningkatkan keterampilan mahasiswa dalam menulis artikel ilmiah serta membantu mereka dalam menyelesaikan laporan PKL dan tugas akhir tepat waktu.
Bilingual Identity Construction through Social Media: A Study of English Influenced Code Mixing Rahman, Abdul; Gunawan, Gunawan; Said, Dian Riani; Mardi, Mardi
Jurnal Studi Guru dan Pembelajaran Vol. 8 No. 2 (2025): Mei - Agustus 2025
Publisher : Universitas Cokroaminoto Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30605/jsgp.8.2.2025.5842

Abstract

Code-mixing on social media is a complex phenomenon that is not merely caused by limited proficiency in Indonesian or English but is also influenced by various social and psychological factors. In today’s digital and globalized era, understanding how code-mixing contributes to the construction of bilingual identity is crucial, especially given the increasing cross-language interactions on online platforms. Therefore, this study aims to examine the role of English-influenced code-mixing in shaping the bilingual identity of social media users. This research employs a qualitative approach with a single embedded case study design conducted at Universitas Cahaya Prima Bone. The participants consisted of 15 second-semester students selected through purposive sampling and 3 English lecturers or linguists knowledgeable about bilingualism and digital communication. Data were collected through semi-structured interviews and analyzed using data reduction, presentation, conclusion drawing, and triangulation to ensure validity. The findings reveal that code-mixing practices on social media reflect complex socio-cultural dynamics and function as an effective communication strategy as well as a means of constructing bilingual identity in the digital era. Code-mixing also enhances expressive abilities and supports informal English learning and vocabulary development. However, uncontrolled use of code-mixing in formal academic contexts may cause issues related to grammatical accuracy and language consistency. This study offers practical contributions to language education development and identity studies in the digital age by emphasizing the importance of approaches that integrate linguistic understanding and identity construction within online communication environments.
The Effect of Inflation, BI Rate, and Profit-Sharing Rate on NPF in Islamic Banks ’Aini, Nisrina Qurrotul; Rahayu, Shandrina Agustin; Wahdiat, Irwan Sutirman; Mardi, Mardi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.7157

Abstract

This study investigates the effect of inflation, Bank Indonesia (BI) rate, and profit-sharing rate on non-performing financing (NPF) in Islamic commercial banks in Indonesia. Grounded in signaling theory, the research aims to identify how macroeconomic and internal banking factors influence the quality of Islamic banking assets. Using a quantitative approach, secondary data from eight Islamic Commercial Banks (BUS) registered with the Financial Services Authority (OJK) during the 2019–2023 period were analyzed. The study employed multiple linear regression analysis and classical assumption tests, including normality, multicollinearity, heteroscedasticity, and autocorrelation tests using SPSS version 25. The results indicate that inflation and BI rate have no significant effect on NPF due to the unique profit-sharing scheme in Islamic banks that adjusts to the profitability of customers' businesses. Conversely, the profit-sharing rate has a significant positive effect on NPF, suggesting that increases in the profit-sharing burden can heighten the risk of customer defaults. The findings underscore the distinct operational nature of Islamic banks and the necessity to monitor internal profit-sharing mechanisms more closely to manage financing risks effectively.