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All Journal Jurnal Ilmiah Admnistrasi Niaga Abdimas Forum Ilmu Sosial INTEGRALISTIK Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) I-Finance Journal IMAGE EKSPANSI Jurnal Riset Akuntansi dan Keuangan JURNAL SERAMBI ILMU Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jesya (Jurnal Ekonomi dan Ekonomi Syariah) International Journal of Applied Business Research Social, Humanities, and Educational Studies (SHEs): Conference Series JURNAL EKONOMI SYARIAH Jurnal Manajemen Bisnis dan Keuangan Jurnal Ilmiah Wahana Pendidikan Indonesian Journal of Economics and Management Industrial Research Workshop and National Seminar Jurnal Bisnis dan Kewirausahaan Journal of Applied Islamic Economics and Finance Journal of Islamic Management Journal of International Conference Proceedings EKONOMIKA SYARIAH : Journal of Economic Studies BanKu: Jurnal Perbankan dan Keuangan Enrichment: Journal of Multidisciplinary Research and Development Hukum dan Politik dalam Berbagai Perspektif Media Hukum Indonesia (MHI) Unnes Civic Education Journal Jurnal Penelitian Pendidikan Journal of Community Empowerment Semarang State University Undergraduate Law and Society Review
Ruhadi Ruhadi
Department Of Accounting, Politeknik Negeri Bandung, Bandung, Indonesia
Religion Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences Other

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Strengthening Religious Values Based on Youth Organizations to Prevent Devious Behavior of The Young Generation Saputro, Iwan Hardi; Ruhadi, Ruhadi; Arumsari, Nugraheni; Pramono, Didi; Nafi, Ahmad
Jurnal Abdimas Vol 27, No 2 (2023): December 2023
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/abdimas.v27i2.46849

Abstract

The challenges of the young generation today are faced with the age of the younger generation itself, where the age of the younger generation is a transitional age from adolescence to adulthood. At this time, of course, the younger generation does not have mature emotional stability, so they are often trapped in situations that lead to deviant behavior, such as drugs, free sex, brawls and other deviant behavior. One solution that can be offered to prevent deviant behavior is through instilling religious values, so this research is urgent to carry out. The aim of this research is to describe how religious organizations implement the cultivation of religious values in an effort to prevent deviant behavior of the younger generation in Wonosobo Regency. The method used in this research is a qualitative research approach which includes stages. The stages of this research method include: (1) preparation; (2) data collection; (3) data analysis; and (4) reflection. The results of this research were that at the beginning of its formation, activities were carried out including joint learning across classes and departments. Through weekly overnight shifts at group members' homes. During these rotating stays, activities include visiting local ulama to gain knowledge. When you return from the gathering, you can study together using discussion or question and answer methods. The peak activity is the joint prayer (mujahadah) after the tahajud at midnight. Apart from routine activities, this group also organizes incidental activities involving the general public such as halal bihalal, seminars and commemoration of other Islamic holidays. Perhaps it was unique for a group of students of that age to have the courage to organize activities featuring religious and youth figures at sub-district level.
Keteladanan Politik Berbasis Kearifan Lokal Tokoh Masyarakat Desa di Lingkungan Perkebunan Teh Tambi dalam Penyaluran Aspirasi Masyarakat Melalui Partai Politik pada Persiapan Pemilu 2024 Ruhadi, Ruhadi; Uddin, Hafiz Rafi; Arditama, Erisandi
Integralistik Vol 34, No 2 (2023): July 2023
Publisher : Civic Education Program, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/integralistik.v34i2.50279

Abstract

Kearifan lokal masyarakat Indonesia mempunyai pengaruh yang sangat besar terhadap berbagai tatanan kehidupan dan sendi kehidupan di berbagai bidang masyarakat desa seperti di lereng Gunung Sindoro sekitar Perkebunan Teh Tambi, terdapat beberapa gejala menarik dari kearifan lokal dan aktivitas politik serta Usaha perkebunan Teh Tambi dalam pelaksanaan pesta demokrasi pra pemilu 2024. Beberapa desa dan dusun sekitar perkebunan Tambi mempunyai situasi dan kondisi yang kondusif serta diwarnai oleh nuansa religi dan gotong royong yang cukup tinggi. Sehingga situasi memanas di daerah lain di Indonesia yang biasa menyertai pada masa menjelang pemilu, tidak ditemukan di desa ini. Pendekatan adat dalam perspektif penyelesaian konflik harus ada di setiap daerah. Dalam alur proses perselisihan, baik pemilu maupun pemilu, kearifan lokal masuk pada tahap mediasi atau musyawarah tertutup. Keteladanan politik diperlukan dalam upaya menyukseskan pemilu 2024 yang akan digelar pada tahun mendatang. Pemilu yang sukses dapat berjalan jujur dan adil serta berlangsung dalam suasana yang kondusif. Maka salah satu pendekatan yang dapat dijadikan acuan adalah Pendekatan Politik Keteladanan masyarakat yang menjunjung tinggi nilai-nilai kearifan lokal dalam menghadapi berbagai permasalahan masyarakatnya yang bersinggungan dengan kegiatan pesta demokrasi atau pemilu tahun 2024, sehingga pemilu dapat dilaksanakan dengan baik. dapat berjalan dengan sukses dan lancar.
Working Capital and Financial Performance of Indonesian Manufacturing Companies: Before and During COVID-19 Ruhadi, Ruhadi; Mai, Muhamad Umar; Sudradjat, Sudradjat
Jurnal Internasional Penelitian Bisnis Terapan Vol 6 No 01 (2024)
Publisher : Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijabr.v6i01.338

Abstract

This research intends to reveal two important thoughts related to changes in working capital policies before and during the COVID-19 pandemic in Indonesia. This is essential since most companies’ working capital policy is aggressive during the normal period but conservative during the difficult period (such as COVID-19), where the demand for products fall off due to a decrease in people's purchasing power. Further, this study attempts to investigate the impact of working capital on company financial performance for both time periods. This study used a sample of manufacturing companies listed on the Indonesian capital market from 2017 to 2021. The Wilcoxon signed-rank test was employed to assess changes in working capital policies while panel data regression was utilized as an analytical technique to test the impact of working capital policies on financial performance. This study reveals that, first, working capital policies measured by Cash Holding Level (CHL) expanded dramatically during COVID-19 but remained unchanged when being measured by Cash Interactive Effect (CIE) and Gross Working Capital Ratio (GWCR). Second, working capital policies prior to COVID-19 measured by CHL and CIE had a favorable and significant effect on company financial performance, measured by Return on Assets (ROA) and Return on Equity (ROE).
Pengujian moderasi inflasi pada pengaruh profitability, financing to deposit dan capital adequacy ratio terhadap risiko pembiayaan Iswandi, Iswandi; Ruhadi, Ruhadi; Setiawan, Iwan
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 11 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (708.977 KB) | DOI: 10.32670/fairvalue.v4i11.1786

Abstract

This study aims to determine the effect of micro variables (ROA, FDR, and CAR) as well as the total variable in the form of inflation as a moderating variable on NPF in Indonesian Islamic commercial banks for the 2016-2020 period. The data analysis method used is explanatory and is a research that uses the type of assessment of causality between the variables studied (causal relationship). The theory used is agency theory. With regard to the relationship between the principal and the agent, the agent appointed by the principal or appointed to manage the services of the company's activities must be in good health. The result to be achieved is that the inflation variable is able to become a moderating variable for certain factors on non-performing financing (NPF) in Islamic commercial banks in Indonesia. The results of the analysis show that directly Capital Adequacy Ratio (ROA) and Capital Adequacy Ratio (CAR) have a significant negative effect on Non Performing Financing (NPF) while Financing to Deposit Ratio (FDR) has no effect on financing (NPF). In addition, the Capital Adequacy Ratio (ROA) also has an indirect effect on Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR) does not moderate the Non Performing Financing (NPF).
Analisis Efisiensi Takaful di Indonesia Selama Pandemi Covid-19 Dengan Menggunakan Metode Data Envelopment Analysis Rahayu, Murtya Sri; Ruhadi, Ruhadi; Kristianingsih, Kristianingsih; Mauluddi, Hasbi Assidiki
Journal of Applied Islamic Economics and Finance Vol 4 No 1 (2023): Journal of Applied Islamic Economics and Finance (October 2023)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v4i1.5018

Abstract

One of the performance parameters that underlies all the performance of an organization or company is efficiency. This study aims to measure and determine the efficiency level of takaful in Indonesia during the Covid-19 pandemic by using the Data Envelopment Analysis (DEA) method. The DEA approach used in this study is an intermediation approach where the inputs used are total assets, operating expenses, and claim payments. While the output used is tabarru funds and investment income. This study uses 47 samples of takaful registered with OJK in 2020 and 2021. The results shows that on average takaful in Indonesia have not reached an efficient level. The inefficiency of this takaful is influenced by the use of inputs (total assets, operating expenses, and payment of claims) that are not maximized to produce optimal output.
The Influence of Internal and External Factors on Non Performing Financing In Indonesian Shariah Rural Bank And Bank Size As Moderators Izmiwati, Siti Zahra; Ruhadi
Journal of Applied Islamic Economics and Finance Vol. 4 No. 3 (2024): Journal of Applied Islamic Economics and Finance (June 2024)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v4i3.5977

Abstract

This study investigates the influence of internal and external factors on the probability of experiencing financial difficulties in SRBs, with a particular emphasis on the NPF ratio. Utilized Eviews 12 to conduct panel data regression analysis to examine the impact of the independent variable on the dependent variable, while accounting for the moderating variable. The results suggest that the unemployment rate, GRDP, and CAR factor have a negative impact on the NPF %, with bank size serving as a moderator. The variables FDR, GRDP, unemployment rate, and CAR exhibit a substantial positive influence when moderated by Bank Size. Nevertheless, the FDR variable does not affect NPF when it is regulated by Bank Size.
Pengaruh CR Dan DAR Terhadap ROA Pada Perusahaan Subsektor Perdagangan Ritel Yang Terdaftar Di BEI Periode 2019-2023 Ragilian, Restu; Ruhadi, Ruhadi
BanKu: Jurnal Perbankan dan Keuangan Vol 5, No 2 (2024): Volume 5, Nomor 2, Agustus 2024
Publisher : Program Studi Perbankan dan Keuangan Fakultas Ekonomi Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/banku.v5i2.11891

Abstract

Rasio keuangan dapat dijadikan sebagai salah satu metode untuk menilai tingkat kesehatan finansial dari perusahaan. Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisis pengaruh dari CR (CR) dan DAR (DAR) terhadap ROA (ROA). Populasi yang diambil yaitu mencakup seluruh perusahaan subsektor perdagangan ritel yang terdaftar di BEI selama rentang waktu 2019-2023. Sampel yang terpilih  sebanyak 12 perusahaan yang diseleksi melalui metode purposive sampling dari 19 perusahaan yang diakses dari situs BEI serta laman resmi dari perusahaan terkait.  Hipotesis diuji menggunakan teknik analisis regresi linier berganda. Hasil pengolahan data menunjukkan bahwa CR tidak berpengaruh signifikan terhadap ROA dengan nilai Sig. 0,992, DAR memiliki pengaruh signifikan dengan arah negatif terhadap ROA dengan nilai Sig. sebesar 0,037, sedangkan CR dan DAR memiliki pengaruh signifikan secara simultan terhadap ROA dengan nilai Sig. 0,043.
Perlindungan Hukum Terhadap Korban Kekerasan Seksual Menurut Perspektif Hukum Pidana Islam Uddin, Hafiz Rafi; Kristiono, Natal; R, Ruhadi
Media Hukum Indonesia (MHI) Vol 3, No 1 (2025): March
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.14785387

Abstract

Sexual violence is a serious problem that has a wide impact on victims, both physically and psychologically. In the legal context, there are differences in approach between Islamic criminal law and the positive legal system in Indonesia regarding victim protection. This study seeks to answer three problem formulations: how Islamic criminal law defines and provides protection for victims of sexual violence, the differences in protection between Islamic criminal law and the positive legal system in Indonesia, and the implementation of Islamic legal principles in a modern plural society. This study aims to examine legal protection for victims of sexual violence from the perspective of Islamic criminal law and compare it with the positive legal system. Using a literature study method, data were collected from fiqh books, the Qur'an, Hadith, scientific journals, and laws and regulations in Indonesia, which were then analyzed qualitatively. The results of the study show that Islamic criminal law offers protection based on divine justice with strict sanctions against perpetrators and restoration of victim honor, although the standard of proof is quite strict. On the other hand, Indonesian positive law provides a more flexible approach with a focus on victim rehabilitation and upholding human rights. In a plural society, the implementation of Islamic criminal law principles requires adaptation through ijtihad and integration of Islamic legal values with the positive legal system. This study concludes that combining the best elements of both legal systems can create comprehensive and responsive legal protection for victims of sexual violence.
Mediasi Capital Adequacy Ratio pada Relasi Pengelolaan Aset dengan Maqashid Sharia Index Habiburahman, Fadil; Ruhadi, Ruhadi; Sumiyati, Sumiyati
Jurnal Manajemen Bisnis dan Keuangan Vol 5 No 2 (2024): Oktober 2024
Publisher : https://jurnal.binamandiri.ac.id/

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51805/jmbk.v5i2.241

Abstract

CAR is used as an indicator of financial health that helps banks manage risks effectively and prevent financial crises. With adequate CAR, banks can allocate assets efficiently according to sharia principles and still achieve profitability. This study aims to determine the mediation of the capital adequacy ratio in the relationship between asset management and sharia bank performance (maqashid sharia index) in sharia banking. The population in this study were 13 sharia commercial banks registered with the Financial Services Authority (OJK) in 2017 to 2022. The research sample was obtained from the entire population using a saturated sampling technique. The type of data used in this study is secondary data with a quantitative research method. Data analysis and testing of the research hypothesis used the Structural Equation Model Partial Least Square (SEM-PLS) method. The results of this study indicate that fixed asset turnover has no effect on the capital adequacy ratio, while total asset turnover has a significant effect on the capital adequacy ratio. Fixed asset turnover and total asset turnover have a significant effect on the maqashid sharia index, while the capital adequacy ratio has no effect on the maqashid sharia index in Islamic commercial banks. The results of this study indicate that the capital adequacy ratio cannot mediate the relationship between fixed asset turnover and total asset turnover with the maqashid sharia index.
ENHANCING ISLAMIC BANK PROFITABILITY: EVALUATING THE ROLE OF MUDHARABAH AND MUSYARAKAH FINANCING Lutfianto; Ruhadi; Setiawan, Setiawan
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 17 No 1 (2025)
Publisher : Accounting Department, Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v17i1.6520

Abstract

This study aims to analyze the influence of Mudharabah and Musyarakah financing on net profit in Islamic commercial banks registered with the Financial Services Authority (OJK) during the 2014–2023 period. A quantitative approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM) as the analytical method. The results show that Mudharabah financing does not have a significant effect on net profit, while Musyarakah financing has a highly significant and positive effect. These findings indicate that Musyarakah is a more effective financing scheme in improving the financial performance of Islamic commercial banks. Therefore, financial management strategies in Islamic banks should place greater emphasis on optimizing the use of Musyarakah financing.
Co-Authors Adi Firmansyah Agnina Ilma Nur Annisa Ahmad Nafi Aisyah , Siti Anggita Rismawati Rachman Anny Suryani Aulia Rahmawati Zulfa Azizurrahman, Nur Baidlowi, Baidlowi Banter Laksana, Banter Barnas, Benny Budhi Pamungkas Gautama, Budhi Busri, Hasan Muslikhatul Chavia Gilrandy La Difa Dadang Hermawan Destian Arshad Diharpi Herli Setyowati Dwi Suhartanto Erisandi Arditama Fadhila Rania Rakhmadanti Faqih, Achmad Habiburahman, Fadil Hardi Saputro, Iwan Harto Wicaksono, Harto Hasbi Assidiki Hasbi Assidiki Mauluddi Herlina Herlina Herlina Herlina Hermawan, Dwi Himmatul Ulya Intan Triana Hartanti Ira Andriani Iswandi Iswandi Iwan Setiawan Iwan Setiawan Izmiwati, Siti Zahra Jamhari Jamhari Kristianingsih Kristianingsih Kristianingsih, Kristianingsih Kristiono, Natal Kurniawan, Muhammad Andi Lathifa Husna Leviana Belianti Leviana Belianti Lisnawati Lisnawati Lola Luthfi Aulia Lutfianto Maman Rachman Marwansyah Maulana Dzakkiansyah Mayasari, Ine Mochamad Rizki Ramdani Mochamad Umar Mai Muflih, Muhammaf Muhammad Muflih Muthia Nur Soniati Mutiara Auzi Nadia Nur Azmi Nadia Rizki Rahmalia Nadia, Nurun Natasya, Putri Aulia Novia Wahyu Wardhani, Novia Wahyu Nugraheni Arumsari Nurdin, Ade Ali Pakpahan, Rosma Paramita, Niken Diah Pramono, Didi Prasetyana, Didi Khomsa PUJI LESTARI Radia Purbayati Ragilian, Restu Rahayu, Murtya Sri Reivaldo Reivaldo Renanta Ivana Nanda Rusmawan Risna Nurhaida Hafni Rizka Halimatusa’diyah Rizky Maidan Ilmi Ruhana, Nafisah Ruri Rahmaniar Salma Istiqomah Salma Nurul Zahara Sarah Salsabila Setiawan Setiawan Setiawan Setiawan Sinta Puspita Dewi Sudradjat Sudradjat SUMIYATI SUMIYATI Sunarto Sunarto Sutandi, Sutandi Syahidah, Zahra Zilan Syarief, Mochamad Edman Tjetjep Djuwarsa Tutik Wijayanti, Tutik Uddin, Hafiz Rafi Ummah, Siti Muslikhatul Uswatun Hasanah Via Muthmainnah Luthfi Wiratomo, Giri Harto Wiwitono, Bambang Yuri Almaida