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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Anterior Jurnal JURNAL GLOBAL EDUKASI Journal of Islamic economy and Community Engagement Prosiding Konferensi Nasional PKM-CSR Jurnal Ilmu Sosial, Pendidikan Dan Humaniora Jurnal Kabar Masyarakat Jurnal Manajemen dan Pendidikan Agama Islam
Riduwan Riduwan
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences

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Strategi Kepemimpinan Kepala Sekolah dan Iklim Organisasi dalam Meningkatkan Disiplin Kerja Guru Asep Fathurrahman; Ulfah Alawiyah; H. Taufik; Riduwan Riduwan
Jurnal Manajemen dan Pendidikan Agama Islam Vol. 4 No. 2 (2026): Maret: Jurnal Manajemen dan Pendidikan Agama Islam
Publisher : Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jmpai.v4i2.1872

Abstract

This study explores the principal’s leadership strategies and the role of organizational climate in improving teacher work discipline. Teacher discipline is a crucial element in ensuring instructional quality, professional accountability, and sustainable school performance. A qualitative case study approach was employed to obtain an in-depth understanding of leadership practices implemented in the natural setting of the school. Data were collected through in-depth interviews, participatory observations, and document analysis involving the principal, vice principals, and teachers. The findings reveal that discipline improvement is shaped by exemplary leadership, dialogic communication, continuous coaching, and the application of humanistic regulations supported by moral and social rewards. In addition, a collegial and supportive organizational climate strengthens collective awareness and encourages teachers to comply with professional standards voluntarily. Discipline is therefore constructed not merely through administrative control but through shared values and social interaction. This study contributes to educational leadership literature by providing contextual evidence of how leadership practices interact with organizational environments in shaping teacher behavior. Practically, the findings offer guidance for school leaders in designing participatory and sustainable discipline development strategies.
Assistance in Enhancing Credit Risk Analysis Competence for Account Officers at PT. BPRS Bangun Drajat Warga Yogyakarta Gita Danupranata; Rijal Yaya; Muhammad Khaeruddin Hamsin; Riduwan Riduwan
Journal of Islamic Economy and Community Engagement Vol. 7 No. 1 (2026): Volume 7 No.1 2026
Publisher : FEBI UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jiecem.2026.7.1.3038

Abstract

Enhancing credit risk analysis competence for Account Officers (AOs) is crucial for maintaining financing portfolio quality and minimizing problematic financing risks. This service aims to identify competency needs, evaluate AOs’ analytical skills, and develop effective strategies through training and decision support system enhancements.   The service method uses classical training and online/offline consultation. Results show core competencies include character, capacity, capital, collateral, and condition of economy (5C) analysis, prudential principles, and sharia compliance. Improved competence significantly impacts risk assessment accuracy, financing process efficiency, and portfolio quality. This service recommends a sustainable development model based on structured learning, on-the-job coaching, and leveraging analytic technology to support objective credit assessment and risk control.
Okupasi Produk Kebakaran Pada Pt Asuransi Bumiputera Muda Syari’ah Cabang Surabaya; Tinjauan Yuridis Riduwan Riduwan; Nur Fatimah; Siti Aminah; Agus Darmawan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6 No 1 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v6i1.8833

Abstract

Abstract:This research discusses the implementation of fire product loss insurance agreement in juridical review of the occupation of fire products of PT Asuransi Bumiputera Muda Syariah 1967 Surabaya branch. The author will examine how occupation is reviewed from the standard clause of PT Bumiputera Muda Syariah and Consumer Protection Law No. 8 of 1999 and how the dispute over the occupation of café and spa objects became PUB and BAR in PT Bumiputera Muda 1967 fire product insurance Surabaya This study uses normative juridical research type with legal approach, conceptual approach and analyst approach in case of dispute. The research found that the settlement process taken in the event of a dispute is peace, deliberation if it is still ongoing, participants can choose the settlement through the BASYARNAS arbitration institution or the judiciary and OJK. The author argues that PT Asuransi Bumiputera Muda Syariah 1967 Surabaya branch is one of the non-Islamic financial institutions whose operating principles are based on Islamic law strictly prohibits transactions that contain elements of gharar (uncertainty), maisir (gambling), as well as interest on insurance conventional.Keywords: Occupation, Dispute, Deliberation, Juridical Review.
Pengaruh Financing To Deposit Ratio (Fdr), Non Performing Financing (Npf) Dan Capital Adequacy Ratio (Car) Terhadap Profitabilitas (Roa) Perbankan Syariah Di Indonesia Riduwan Riduwan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6 No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v6i2.10072

Abstract

This study aims to analyze the influence of Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), and Capital Adequacy Ratio (CAR) on Profitability of Islamic Banking in Indonesia which is proxied by Return On Assets (ROA). This research is quantitative research. the population used is the annual report of all Sharia Commercial Banks in Indonesia during period 2014-2018. The Sample chosen used a purposive sampling method and the sample obtained of 6 Islamic Banks. In this research the analysis used was multiple linear regression analysis using IBM Statistics version 21 software. Based on the results of multiple linear regression from this study showed that simultaneously the dependent variable (ROA) can be explained by the independent variable consisting of FDR, NPF, and CAR. Partially, the NPF variable has a negative and significant effect on ROA. While the FDR and CAR variables have a positive and not significant effect on ROA. Keyword: ROA, FDR, NPF, CAR
Pendayagunaan Zakat, Infaq dan Shodaqah dalam Pemberdayaan Anak Panti Asuhan melalui Pendidikan pada Yayasan Panti Asuhan di Surabaya Riduwan Riduwan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7 No 3 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v7i3.15536

Abstract

ABSTRACT The purpose of this study is to find out and analyze how the utilization of zakat, infaq and shadaqah in empowering orphanages through education and the role of orphanages in educational empowerment. The research methodology used is descriptive qualitative research, data collection used is observation, interviews, and documentation. Data analysis was carried out by data reduction, data presentation and drawing conclusions. The results of this study concluded that the concept of utilization that was applied to the orphanage foundation in Surabaya in the distribution of zakat, infaq and shadaqah funds for the empowerment of orphanage children through education was used fully for the benefit of foster children both for education costs and living expenses, in the orphanage education empowerment program. care prioritizes formal education. Keywords: Empowerment of ZIS, Empowerment of Orphanage Children, Education
Co-Authors agus darmawan Agus Sarwo Edi Allen Pranata Putra Aristyanto, Erwan Asep Fathurrahman Chandra Kartika Erwan Arist yanto Gita Danupranata H. Taufik Harlianto Harlianto Lilik Suhariningsih Muhammad Khaeruddin Hamsin Nanang Qosim Nashatun Nashatun Nunung Nurlina NUR FATIMAH Rijal Yaya Rudiatno rudiatno Sarif Sarif SITI AMINAH Ulfah Alawiyah