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All Journal Manajemen Informatika At-Taradhi: Jurnal Studi Ekonomi Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Sustainable: Jurnal Hasil Penelitian dan Industri Terapan JURNAL BUANA Jurnal Ilmu Manajemen dan Akuntansi Terapan FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal Review Pendidikan dan Pengajaran (JRPP) ECOPLAN : JOURNAL OF ECONOMICS AND DEVELOPMENT STUDIES Jurnal Pasar Modal dan Bisnis Jurnal Ilmu Manajemen Universitas Tadulako (JIMUT) Jurnal Media Informatika Aptekmas : Jurnal Pengabdian Kepada Masyarakat Jurnal Ekonomika Dan Bisnis DINAMIKA ILMU: Jurnal Pendidikan Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Aurelia: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Jurnal Masyarakat Madani Indonesia Amkop Management Accounting Review (AMAR) Karimah Tauhid Jurnal Buana Jurnal Rekognisi Ekonomi Islam (JREI) International Journal of Review Management Business and Entrepreneurship JURNAL BUANA Jurnal Sipil Sains Terapan
Muhammad Noval
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PENGUKURAN REKAHAN, PADA BATUAN SEDIMEN DI SUNGAI CIPOGO PADALARANG KABUPATEN BANDUNG JAWA BARAT Rafiqah Indah Sari; Rexy Elnando; Nurfajri Indra; Gina Rahayu; Sildila Sari; Mufti Khairatunnisa; Ronal Wilnika; Devi L Maria; Reza Nofri Andika; Muhammad Noval; Dian Adhetya Arif
JURNAL BUANA Vol 4 No 5 (2020)
Publisher : JURUSAN GEOGRAFI FIS UNP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/student.v4i5.1395

Abstract

Rock is a solid substance that contains minerals and is formed naturally. Joint is a fractured plane without a shift in the rock body and can be present systematically formed by tectonic forces and can be analyzed as an interpretation of its forming tectonic forces from systematic data. This research was conducted in Sugai Cibogo, Padalarang, West Bandung Regency, with coordinates 06049'29.07 " S and 107026'17,69 "S. This type of research used in research is a quantitative descriptive study by telling the conditions of the field conditions as is. The purpose of this study was to determine the direction of rock fractures in the Cibogo Padalarang river and how to take samples in the Cibogo Padalang river. The results of this study found that the fracture that occurred was a normal fault because sigma 1 was bigger than the other sigma and the sample was taken using a geoglogic hammer, compass, meter by determining the age of rocks and others.
Implementasi Akad Rahn Pada Pegadaian Syariah Dalam Rangka Meningkatkan Minat Masyarakat Pada Keuangan Syariah Dayu Mirwan; Muhammad Noval; Panji Adam Agus Putra
Jurnal Rekoginisi Ekonomi Islam Vol. 2 No. 01 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jrei.v2i01.489

Abstract

Islamic financial institutions are business entities whose activities are in the field of Islamic finance and their assets, both financial and financial, are based on sharia principles. One of the Islamic financial institutions in Indonesia is the Sharia Pawnshop (Rahn). Rahn is an agreement for the delivery of goods as a form of collateral for a debt so that the person concerned may take the debt. The implementation carried out by Islamic Pawnshops includes efforts to foster Islamic financial literacy in the community, so that later the community will understand and know about Islamic Pawnshops which can help the economy in the family or create new businesses. Due to the lack of public interest in Islamic finance, especially Islamic pawnshops, the purpose of this research is to inform the concept of pawning in classical fiqh literature, the implementation of rahn contracts in Islamic pawnshops and how to increase public interest in Islamic financial institutions, especially Islamic pawn shops.
Evaluation of Introduction to Academic Culture and Student Affairs (PBAK) UIN Antasari Banjarmasin Mufidah, Nida; Noval, Muhammad; Kurdi, Musyarrafah Sulaiman; Fauzan, Muhammad Hendrie
Dinamika Ilmu Vol 24 No 1 (2024): Dinamika Ilmu, 24(1), June 2024
Publisher : Fakultas Tarbiyah dan Ilmu Keguruan, Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/di.v24i1.8551

Abstract

This research aims to obtain information regarding participants' responses regarding the materials presented in Introduction to Academic Culture and Student Affairs (PBAK) activities. The subjects of this study were PBAK students batch 2018 and 2019, totaling 6198 students. Extracting data using questionnaires, observations, interviews, and documentation. The results of this study indicate that the implementation of PBAK batch 2018 and 2019 can be accepted by students which the materials mostly in positive responses, (1) correlate with the adjustment attitude of PBAK participant 98,37 % positive responses on history, vision and mission of UIN Antasari Banjarmasin, (2) there is 94, 56 % positive responses regarding the Islamic and national insight material, ( 3) participants also responded 97.33% positively to study success and organizations in Higher Education material, (4) social environmental responsibility is 96,86 % in positive response, (5) there are 96.57% students gave positive responses regarding the material on critical analysis of the implementation of the student government concept, (6) the total number of applicants expressed positive responses cosmopolitan millennials with morals and social care and transformation and agent of win manifesto towards civilized people were more about that 97.53% , (7) the material of intrapersonal and interpersonal skills material, it is known that 96.86% of gave positive responses to this material, (8) the scientific writing material was 96,01% in positive response and (9) For 96,61 % positive response given to students ethics material. The psychological impact felt by participants is the emergence of feelings of joy or happiness, usefulness, and motivation from participating in PBAK activities.
PENGARUH CEO POWER TERHADAP KINERJA PERUSAHAAN DENGAN PERAN KOMISARIS INDEPENDEN SEBAGAI VARIABEL MODERASI: Studi Pada Perusahaan Yang Terdaftar Di Bursa Efek Indonesia Noval, Muhammad
Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT) Vol. 6 No. 2 (2015): Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Totalwin

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (539.101 KB) | DOI: 10.36694/jimat.v6i2.104

Abstract

The purpose of this research is to examine the effect of CEO power onfirm performance and the moderating influence of independent board on therelationship between CEO power and firm performance. Indicator of CEOsPower studied were the CEO ownership in the company (CEO Ownership).The firm performance studied with the calculation of PE Ratio. Then, theindependent board is a proportion of independent board on the board ofcommissioners.The research is conducted by quantitative methods using secondarydata. Secondary data comes from the company's annual report listed on theIndonesian Stock Exchange. This research population is company listed onthe Indonesian Stock Exchange, and then the samples were taken bypurposive sampling with criteria manufacture company that not sufferedlossesduringthe observation process and have the data required in this study,in order to obtaina sample of 267 companies. This study use sregressionanalysis to the test the parameters individually significant (t - test).The result of the hypothesis test indicates that the CEO Powerwith CEO ownership as indicator has no effecton the firm performance withPE ratios are calculated, and the independent board based on the proportionof independent board does not have a moderating effecton the relationshipbetween CEO power and firm performance.
PENGUKURAN REKAHAN, PADA BATUAN SEDIMEN DI SUNGAI CIPOGO PADALARANG KABUPATEN BANDUNG JAWA BARAT Rafiqah Indah Sari; Rexy Elnando; Nurfajri Indra; Gina Rahayu; Sildila Sari; Mufti Khairatunnisa; Ronal Wilnika; Devi L Maria; Reza Nofri Andika; Muhammad Noval; Dian Adhetya Arif
JURNAL BUANA Vol 4 No 5 (2020)
Publisher : DEPARTEMEN GEOGRAFI FIS UNP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/buana.v4i5.1395

Abstract

Rock is a solid substance that contains minerals and is formed naturally. Joint is a fractured plane without a shift in the rock body and can be present systematically formed by tectonic forces and can be analyzed as an interpretation of its forming tectonic forces from systematic data. This research was conducted in Sugai Cibogo, Padalarang, West Bandung Regency, with coordinates 06049'29.07 " S and 107026'17,69 "S. This type of research used in research is a quantitative descriptive study by telling the conditions of the field conditions as is. The purpose of this study was to determine the direction of rock fractures in the Cibogo Padalarang river and how to take samples in the Cibogo Padalang river. The results of this study found that the fracture that occurred was a normal fault because sigma 1 was bigger than the other sigma and the sample was taken using a geoglogic hammer, compass, meter by determining the age of rocks and others.
The Influence of Financial Literacy, Lifestyle, and Perceptions About Sharia Banking on Students' Decisions to Use Mobile Banking Bank Sharia Indonesia Fahmi, Hafiz Aulia; Noval, Muhammad; Widyantara, Fahreza; Mahfuzah, Annisa
International Journal of Review Management Business and Entrepreneurship (RMBE) Vol. 4 No. 1 (2024): International Journal of Review Management Business and Entrepreneurship (RMBE)
Publisher : Universitas Ciputra Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37715/rmbe.v4i1.5058

Abstract

This research is motivated by the influence of financial literacy, lifestyle, and perception on students' decisions to use Islamic bank mobile banking, lack of financial literacy in Islamic financial institutions where many students still do not use mobile banking by lifestyle needs. The purpose of the study is to determine the influence of financial literacy, lifestyle, and perception of Islamic banking on students' decisions to use mobile banking. This type of research is field research with a quantitative approach in the form of correlations or relationships. The data collection of this study used a questionnaire distributed to FEBI students of the Islamic Banking Department Class of 2019-2021 with a sample of 80 respondents. The results of partial research on financial literacy, and perceptions of Islamic banking have a significant positive influence. The lifestyle partially does not have a significant influence. The results of the study simultaneously financial literacy, lifestyle, and perceptions of Islamic banking have a significant influence on students' decisions to use Bank Syariah Indonesia mobile banking.
Pengukuran Profitabilitas Perbankan Sebelum dan Sesudah Mengimplementasikan Teknologi Blockchain (Studi Kasus Pada Bank AlHilal) Sya'bana, Sasmita Wahyu; Noval, Muhammad; Marpaung, Muslim
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.13966

Abstract

Financial technology emerged as a result of the rapid development of the internet and information technology, which is increasingly sensitizing the public, often known as Financial Technology. Collaboration between FinTech and banking institutions will provide benefits for both parties. The purpose of this study is to evaluate the impact of banking and FinTech cooperation, especially with regard to blockchain technology. This study uses a quantitative approach with comparative analysis to evaluate the variation in profitability levels determined by the Return on Equity (ROE), Return on Assets (ROA), and Net Profit Margin (NIM) ratios between before and after implementing blockchain technology at Al Hilal Bank for the period 2012 to 2023. The paired sample t-test was used to assess the data, and the results showed that there was no significant difference between ROA, ROE, and NPM after using blockchain technology. The implications of this study indicate that banks still need to make improvements and adjustments in order to remain optimally profitable while keeping up with technological developments.
The Influence of Working Capital Financing, Micro Financing and Qardhul Hasan Funds on the Performance of Islamic Commercial Banks in Indonesia Syahid, Muhammad; Elzaanin, Amina A.A; Noviarita, Heni; Kartika, Akbar Pratama; Noval, Muhammad
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15433

Abstract

To maintain existence and competitiveness, various products are needed that can reach all levels of business needs. Working Capital Financing is intended for SME Retail to commercial scale, Micro Financing is intended for medium-sized MSMEs, while Qardhul Hasan financing is intended if lending lacks capital in the current contract. For this reason, this article wants to test how much influence Working Capital Financing and Micro Financing and with Qardhul Hasan Funds as moderating variables have on the Profitability of Islamic Banks in Indonesia. This study involved 14 Islamic Commercial Banks from 2019-2023 registered with the Financial Services Authority. The data was obtained from the OSIRIS website. The data analysis method used was multiple regression analysis. The hypothesis tests carried out were the F test, T test, and Adjusted R 2 determination coefficient. The results of the study simultaneously showed that independent variables had a significant effect on Islamic Bank Performance with a significance of 67%, this was because DQH was allocated to the productive sector and was included in the priority scale of superior customers. While partially PMK has a negative effect because it uses a profit sharing contract that is quite risky, and the PM and DQH variables have a positive effect on the performance of Islamic Banks, this is because PM uses a sale and purchase contract so that the risk is minimal and DQH uses the Qardhul hasan contract which is allocated to the productive sector so that the risk is minimal. The finding of this lending can be evaluated or converted with various products according to customer needs so that the performance of Islamic Banks can continue to increase as long as it does not deviate from Banking Quality Sharia which is its main mission.
Do Ownership and Environment Affect Profits with the Role of the Independent Commissioners? Noval, Muhammad; Rimayanti, Rimayanti; Malia, Malia; Syahid, Muhammad; Elzaanin, Amina A.A; Arumugam, Aswini
Al-Tijary Vol 10 No 1 (2024): AL-TIJARY VOL. 10, NO. 1,DECEMBER 2024
Publisher : Faculty of Islamic Economics and Business Sultan Aji Muhammad Idris State Islamic University Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v10i1.8992

Abstract

This study aims to explore health company profits during the pandemic from the perspective of managerial ownership and environmental performance accompanied by the moderating role of independent commissioners. The use of Sharia-based health sector companies as companies that are very closely related to the pandemic events that occurred during the observation period of 2020-2021 resulted in 16 companies using quarterly reports, so there are 64 studio data. The data obtained was subjected to prerequisite tests using the classical assumption test, which was then tested by conducting F-test and t-test regression based on the hypotheses that had been developed. The study results prove that managerial ownership and environmental performance simultaneously increase profits. However, partially managerial ownership influences increasing profits, while environmental performance has no effect. The role of the independent board of commissioners has been proven to not influence managerial ownership and environmental performance in increasing the profits of Sharia companies in the health sector. This study implies that managerial ownership factors, environmental performance, and an independent board of commissioners play an essential role in increasing the profits of Sharia companies in the health sector, especially during the pandemic. The results can encourage strategic decision-making related to ownership structure and corporate governance to achieve sustainability and profitability.
Optimizing Adaptive Agricultural Systems, Making Organic Fertilizer, and Drip Irrigation Technology in Sukamanah Village Maulana, Adrian Rizki; Damayanti, Fujia; Nurlaela, Intan; Kusnayadi, Kusnayadi; Noval, Muhammad; Rifal, Rafi Muhammad; Alam, Rafi Sandina; Sulistiyo, Satria Putra; Jenab, Siti; Septiana, Fajar Indra
AURELIA: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Vol 4, No 1 (2025): January 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/aurelia.v4i1.4145

Abstract

This research aims to evaluate the effectiveness of several proposed solutions to improve the agricultural system. The main focus of this study is on introducing an adaptive agricultural system tailored to local environmental conditions, producing organic fertilizers using modern agricultural standards, and implementing drip irrigation technology. The results show that the introduction of an adaptive agricultural system significantly increases productivity through the selection of superior seeds and proper planting patterns. Furthermore, the production of organic fertilizer has proven to improve soil quality and crop yields through the layering method and the use of Effective Microorganisms (EM4). The application of drip irrigation technology enhances water use efficiency, reducing the overuse of water resources. Overall, these three solutions positively contribute to increased productivity, sustainability, and resource efficiency in modern agricultural systems.
Co-Authors .Ismail, Moh Aisyah, Lisda Alam, Rafi Sandina Ali, Musab A. M. Andi Muhammad Nur Annisa Mahfuzah Aridhayandi, M.Rendi Armiani, Trizaurah Arumugam, Aswini Ayu Octarina Chairil Anwar Damayanti, Fujia Darmawati Darmawati Dayu Mirwan Devi L Maria Dian Adhetya Arif Ebtaria Nadeak, Ebtaria Elzaanin, Amina A.A Fahmi, Hafiz Aulia Faiz Arrafi Fauzan, Muhammad Hendrie Finki Dona Marleny Fyarka Aura Nuridha Gina Rahayu Hayaty, Nurul Heni Noviarita Jenab, Siti Kartika, Akbar Pratama Kunaenih, Kunaenih Kurdi, Musyarrafah Sulaiman Kusnayadi, Kusnayadi M Afief Anugrah Malahayati Malahayati Malia, Malia Marcel Wangnandra Marrisa Andinarianti Maulana, Adrian Rizki Meivi Kusnandar Mufti Khairatunnisa Muhammad Syahid MULYADI Muslim Marpaung Nafila, Haifa Nida Mufidah Nurfajri Indra Nurlaela, Intan Panji Adam Agus Putra R Deni Muhammad Danial Rafiqah Indah Sari Rani Raharjanti rexy elnando Reza Nofri Andika Ridho Ramadhan Rifal, Rafi Muhammad Rika Sadariawati Rimayanti Rimayanti Ronal Wilnika Rosadi, Mila Saibana, Ikhwan Sildila Sari Siti Aminah Sopyan Saori Suhaimi, Firdaus Sulistiyo, Satria Putra surahmat Sya'bana, Sasmita Wahyu Taduga, Felix Kurniawan Wahab, Bakhtiar A Widyantara, Fahreza Windarsyah Windarsyah Zuhro’ Fitriana, Ani Qotuz