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ANALISIS AKAD MURABAHAH PADA PRODUK CICIL EMAS TERHADAP MINAT NASABAH DALAM PERSEPEKTIF EKONOMI ISLAM  PADA BANK SYARIAH INDONESIA KCP JAKABARING PALEMBANG Putri, Ramanda; Rizka Apriani; Azizah, Latifah Ayu; Bella, Sintia; Azwari, Peny Cahaya
Istinbath Vol 16 No 2 (2024): Istinbath
Publisher : Kopertais Wilayah VII Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/istinbath.v16i1.25832

Abstract

Banks have a primary function as collectors and distributors of funds, while additional services act as supporters. The presence of Islamic banking, such as Bank Syariah Indonesia (BSI), is expected to increase economic growth, especially in Muslim-majority countries like Indonesia. BSI was officially launched on February 1, 2021 through the merger of several government-owned Islamic banks. Innovative products, such as BSI Gold Installments, are one of the efforts to attract public interest in Islamic banking services. BSI Gold Installments utilize murabahah and rahn contracts, which are in accordance with sharia principles, to allow customers to own gold in stages with light payments. Gold is chosen because of its stability in value and its ability to fight inflation, making it an attractive investment. This study aims to analyze the BSI Gold Installment product in increasing customer financing, especially at BSI KCP Palembang Jakabaring, using a descriptive qualitative method. The results show that service excellence, product innovation, and contract transparency are the main factors in the success of this product in meeting the investment needs of the community. However, challenges remain, including low customer interest due to lack of education and promotion. Therefore, BSI is expected to continue to develop marketing strategies and sharia-based product innovations to increase competitiveness in the banking sector.
School Counselor Skills for Developing Guidance and Counseling Media In East Java Riskiyana Prihatiningsih; Irene Maya Simon; Rizka Apriani; Dio Lingga Purwodani
G-Couns: Jurnal Bimbingan dan Konseling Vol. 9 No. 3 (2025): Agustus 2025. G-Couns: Jurnal Bimbingan dan Konseling
Publisher : Universitas PGRI Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31316/g-couns.v9i3.5605

Abstract

This research aims to determine the proficiency of media mastery in developing guidance and counseling services in East Java. The method used in this study is quantitative descriptive, which seeks to describe the skills of school counselors in the use of interactive multimedia as an effort to optimize BK services. The instrument used in this study is a semi-structured questionnaire distributed to school counselors in East Java. The data analysis technique employs descriptive statistics, including percentages. The results showed that 56.16% of counselors had skills in developing BK service media in schools. These results show that the level of media development proficiency of counselor BK Services in East Java is moderate. So, school counselors in East Java must improve their skills in developing BK Service media. This requires related parties such as PT BK Study Program organizers, MGBK, and Professional Associations to synergize to enhance the quality of school counselors’ digital skills. Keywords: school counselor skills, guidance and counseling media, guidance and counseling teachers
Enhancing ideal personal qualities of counselor candidates: Empowering through digital module and peer modelling Indreswari, Henny; Apriani, Rizka; Utami, Nugraheni Warih; Atmoko, Adi; Pamintarso, Kheren Carollina
International Journal of Research in Counseling and Education Vol 6, No 2 (2022): International Journal of Research in Counseling and Education
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/00612za0002

Abstract

Universities aim to achieve intelligent education through innovative learning methods. Students desire models to develop their skills, and this can be achieved through peer modelling with their peers. This research aims to develop a peer modelling-based digital module to enhance students' understanding of the Personality Development Practicum course, as an effort to improve the ideal personal qualities of prospective counselors. The research design uses the ADDIE development model (Analysis, Design, Development, Implementation, and Evaluation). The subjects in this study are material experts (guidance and counseling lecturers), media experts (learning technology lecturers), and potential users (guidance and counseling students). The results show that the digital module is equipped with video explanations, PowerPoint, infographics, motion graphics, and peer modelling videos. Based on the validation results by material experts, media experts, and potential users, the digital module is considered valid in terms of accuracy, usefulness, attractiveness, and ease of use. Further empirical evidence is needed to support the use of the peer modelling-based digital module in developing the ideal personal qualities of prospective counselors.
Membangun Ketahanan Kesehatan Mental Remaja: Implementasi Pendampingan Literasi Kesehatan Mental Karang Taruna Desa Sumbersekar Kecamatan Dau, Kabupaten Malang Apriani, Rizka; Probowati, Devy; Bariyyah, Khairul; Qonita, Fauziah Ilmi; Hidayatullah, Hengki Tri
Suluah Bendang: Jurnal Ilmiah Pengabdian Kepada Masyarakat Vol 23, No 2 (2023): Suluah Bendang: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/sb.05190

Abstract

Tujuan pengabdian ini untuk meningkatkan  kepedulian pemuda karang taruna terhadap kondisi kesehatan mental pada masyarakat sekitar. Pengabdian dilaksanakan dalam 3 bentuk kegiatan yakni, penyuluhan materi kesehatan mental, pelatihan safety plan, dan juga pembentukan komunitas. Metode yang digunakan dalam kegiatan pengabdian ini adalah teknik Ekspositori pada pemberian pemahaman awal yang mendasar, Brainstorming untuk memantik sikap dan kesadaran pemuda karang taruna dalam memotret isu gangguan mental, dan Case Study untuk mengupayakan langkah dan tindakan yang akan dilakukan oleh pemuda karang taruna dalam mengatasi permasalahan gangguan mental berdasarkan kondisi riil di lokasi pengabdian. Dari seluruh kegiatan pengabdian yang telah dilaksanakan, diketahui bahwa peserta memiliki tingkat literasi kesehatan mental yang cukup rendah sebelum mengikuti kegiatan pendampingan. Tingkat literasi kesehatan mental pada peserta kemudian meningkat setelah mengikuti serangkaian kegiatan pendampingan. Hal ini diketahui berdasarkan hasil pengisian instrumen pretest-posttest yang diberikan. Demikian juga saat pelaksanaan pengabdian, peserta sangat antusias dan mampu menyusun beberapa project safety plan bersama fasilitator. Tindak lanjut dari kegiatan penyuluhan dan pelatihan adalah pembentukan komunitas yang bertujuan sebagai wadah peningkatan kepedulian masyarakat terhadap kesehatan mental
Pelatihan Implementasi Bimbingan Karier Berbasis Four C’s dan HOTs Bagi Guru BK SMK Se-Kota Malang Muslihati, Muslihati; Hambali, IM; Zen, Ella Faridati; Apriani, Rizka
Suluah Bendang: Jurnal Ilmiah Pengabdian Kepada Masyarakat Vol 21, No 3 (2021): Suluah Bendang: Jurnal Ilmiah Pengabdian Kepada Masyarakat
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/sb.01500

Abstract

The competency of vocational high school guidance and counseling teachers (SMK BK Teachers) is very important to be improved in facing the challenges of the 4.0 revolution era. It is hoped that the enhancement of the competency of the Vocational School Guidance and Counseling Teachers will be able to help students think analytically, evaluatively, creatively, and in complex ways known as High Order Thinking Skills (HOTs) and develop students' career readiness. Therefore, vocational high school guidance and counseling teachers must have creative and innovative strategies in providing career guidance services. Creative and innovative forms can be seen in the design of career guidance that is oriented towards developing 21st-century skills, namely critical thinking skills, creating thinking skills, collaborative skills, and communications skills (Four C's). The method is to apply a project-based learning model with an “in-on-in” pattern, namely three activities including one synchronous off-line activity, one asynchronous online activity, and one assignment activity. The number of participants is 20 teachers, teachers of vocational high school guidance and counseling in Malang City with a pattern of 32 lesson hours and conducted in four weeks. This training succeeded in adding to the insight and competence of the guidance and counseling teachers of vocational high schools to compile a career guidance design by compiling RPLBK and animated video media with using the powtoon app.
Home Worker: Business Dynamics and Family Resilience (Case Study in Sanan Tempe Chips Village, Malang City) Wahyuni, Sri; Sopingi, Sopingi; Apriani, Rizka
KOLOKIUM Jurnal Pendidikan Luar Sekolah Vol 11, No 3 (2023): Kolokium : Publishing December 2023 Special Issue Non Formal Education Internat
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/kolokium.v11i3.744

Abstract

Urban life demands struggle and competition for each individual to survive. Job opportunities are sometimes not proportional to the population, so people are required to be able to create jobs independently. This condition has triggered the emergence of home workers (honme workers). Sanan Village is one of the central villages for the tempeh chips industry in Malang City which has succeeded in raising its community to become more empowered. The aim of this research is to explain the business dynamics and strategies used by home workers to maintain their business to build family resilience and explain the basic valuesthat serve as their working principles. This research is qualitative research with a case study design. Data collection was carried out through in-depth interviews, observations and document studies and analyzed using interactive analysis techniques. Research informants were selected purposively with certain criteria according to the research focus.The results of this research show that home workers are able to maintain their businesses. Business dynamics starting from starting a business, maintaining a business, and developing a business can be handled using various strategies. The results of the business can be used to support or fulfill the needs of the family and to send their children to college. The efforts made by home workers are socially capable of creating jobs. The valuesand principles held by home workers are to work honestly, work hard and always be grateful.Keywords: : home workers, family resilience, Sanan village.
Analysis of the Need for Development of a Virtual Space for Student Guidance and Counseling Wahyuni, Sri; Zamroni; Rizka Apriani; Fajarianto, Otto
JTP - Jurnal Teknologi Pendidikan Vol. 26 No. 1 (2024): Jurnal Teknologi Pendidikan
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jtp.v26i1.40085

Abstract

This research aims to develop an innovative virtual space for academic guidance as a means of increasing student competency. The development method involves interactive design and the integration of information technology to create an engaging and effective learning environment. In addition, this research will evaluate the impact of using this virtual space on improving students' academic skills, as well as analyzing their perceptions and experiences during the guidance process. It is hoped that the results of this research can make a significant contribution to the development of innovative academic guidance methods and support increasing student competence in this digital era.
Development of a Stakeholder Satisfaction System Model for Service and Education Quality Wahyuni, Sri; Zamroni; Apriani, Rizka; Fajarianto, Otto; Yuniawatika; Syarifa, Najwa Kamila; Kusumaningtyas, Fitri Indra
JTP - Jurnal Teknologi Pendidikan Vol. 26 No. 3 (2024): Jurnal Teknologi Pendidikan
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jtp.v26i3.54383

Abstract

This study aims to measure the level of stakeholder satisfaction with the quality of service and education at the Faculty of Education, State University of Malang. The research employs a quantitative analysis method, utilizing a structured questionnaire based on five service quality indicators: Tangible, Responsiveness, Reliability, Empathy, and Assurance. The questionnaire was distributed to stakeholders, including students, lecturers, and staff. The results indicate that the overall level of stakeholder satisfaction is high, with the Assurance indicator scoring the highest at 76.6%, reflecting strong trust in services provided. The lowest score was observed in the Responsiveness indicator at 72.8%, suggesting a need for improvement in addressing stakeholder needs promptly. The study is limited to stakeholders at the Faculty of Education, and the findings may not be generalizable to other faculties or institutions. The findings provide valuable insights for the Faculty of Education to enhance service quality, particularly in responsiveness, to better meet stakeholder expectations. This research contributes to the ongoing efforts to improve educational service quality by providing empirical data on stakeholder satisfaction within a specific academic context.
Need Assessment of Relaxation Techniques based on Local wisdom for Children with Eruption Traumatism Hidayah, Nur; Rusmana, Nandang; Asrowi, Asrowi; Apriani, Rizka; Hanafi, Husni; Saputra, Nur Mega Aris
Proceedings of Siliwangi Annual International Conference on Guidance and Counselling Vol. 1 No. 1 (2022): SAICGC, Volume 1 (December 2022)
Publisher : Academia Edu Cendekia Indonesia (AEDUCIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64420/saicgc.v1i1.11

Abstract

This study aimed to identify the need for appropriate counseling services for children who have experienced eruption trauma. This research method uses a cross-sectional survey research design of elementary school teachers and parents of affected children on the slopes of Mount Semeru. Data were collected using structured interviews, questionnaires, and observation of field conditions. The analysis data used are descriptive-interpretative. The study's results identified (1) the need for post-traumatic counseling services based on local wisdom for children affected by the Semeru eruption and (2) aspects of local wisdom that became the content of post-traumatic counseling for children affected by the Semeru eruption. This research becomes the basis and recommendation to develop a post-traumatic counseling model based on the local wisdom of the Mount Semeru community that is theoretically and practically acceptable.
Nilai-Nilai Kekerabatan Dalihan Na Tolu untuk Mengarahkan Meaning of Life Siswa Perantau Beretnis Batak Mandailing Muslim Suharto, Rachel Devita; Hidayah, Nur; Apriani, Rizka
Buletin Konseling Inovatif Vol. 2, No. 1
Publisher : citeus

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The Dalihan Na Tolu is a system of kinship that originated from the Muslim Mandailing Batak tribe regulating the life of people. This study aims to identify the role of Dalihan Na Tolu values as the kinship system as the fundamental for Muslim Mandailing Batak nomads students’ meaning of life fulfillment. This qualitative study used the phenomenology design. In collecting the primary data, we used observation and interviews with two Muslim Mandailing Batak nomads students. At the same time, the secondary data were obtained from the parents, siblings, friends, neighbors, and teachers. The data validity was assessed using triangulation on the observation and interview data. Our analysis results suggested that the Muslim Mandailing Batak nomads students’ meaning of life can be observed through three fundamentals of the meaning of life, namely the creativity, belief, and bravery values. The creativity value consists of the Marsitukkol Tukkolan Songon Suhat Di Robean value (asking the siblings to be successful) and Annakon Ki Do Hamoraon Di Au value (vengeance in learning). The belief value subsists of the speech or manner values in talking with the elders and Tua Mi U Jujung-jujung Tilako Mi U Dege-dege (disseminating kindness and covering the evils). Lastly, the behavior value consists of the bravery value.
Co-Authors Adi Atmoko Afifah, Rohmatul Ahmad Thoriq Tri Sainda Ahmad Thoriq Tri Sainda Alief Laili Budiyono Andani, Melia Fitri Andriany, Ayu Viryavasthi Talitha Anggraini, Andini Yuliana Arbin Janu Setiyowati, Arbin Arbin Janu Setyowati Asrowi Asrowi Asrowi Augusto Da Costa Awalya Siska Pratiwi Azizah Azizah Azizah, Azizah Azizah, Latifah Ayu Bella, Sintia Blasius Boli Lasan Daud, Nurul Ain Mohd Devi Probowati Devy Probowati Diniy Hidayatur Rahman Dio Lingga Purwodani Djoko Budi Santoso Ekawati, Fitri El-Tsaniyah Rihlatul Widaad Elcindi Lazuardin Zamzamima Ella Faridati Zen, Ella Faridati Fauziah Ilmi Qonita Faza Kasyiva Az-Zahra Fifi Khoirul Fitriyah Firdaus, Krisnaldy Firdaus, Naufal Rifqi Frischa Meivilona Yendi Hanafi, Husni Hengki Tri Hidayatullah Hengky Tri Hidayatullah Henny Indreswari Hermawan, Salsabila Yuli Adys Hidayatullah, Hengki Tri Hidayatullah, Hengky Tri Ifdil Ifdil Ilmi, Achmad Miftachul IM. Hambali Irene Maya Simon, Irene Itsar Bolo Rangka Khairul Bariyyah Kurniawan, Nanda Alfan Kusumaningtyas, Fitri Indra Lisnanti, Anisa Ultari Lutfi Fauzan Lutfi Fauzan M Ramli M. Ramli Mahdiyah, Mahirotul Maulidya, Nabila Melenia Ayu Saputri Melenia Ayu Saputri Melia Fitri Andani Mohd Daud, Nurul 'Ain Muslihati Muyassaroh, Zahrotul Nanda Alfan Kurniawan Nandang Rusmana Naufal Asyraf Hamid Naufal Rifqi Firdaus Nining Maizura Nugraheni Warih Utami Nur Hidayah Nur Hidayah Nur Mega Aris Saputra Otto Fajarianto Pamintarso, Kheren Carollina Parahita, Senja Putri Prihatiningsih, Riskiyana Primardiana Hermilia Wijayati Putri, Ramanda Qonita, Fauziah Ilmi Qonita, Fauziah Ilmi Rachel Devita Suharto Rahmatillah, Aushaf Iklil Ramadhania, Maulida Salwa Reidana, Linka Latifany Falasifa Riskiyana Prihatiningsih Salsabila Yuli Adys Hermawan Salsabilla, Amelia Eka Santi Widiasari Simarmata, Devi Yustina B.R. Sintiawan, Naya Sopingi Sopingi, Sopingi Sri Wahyuni Suci Murni Prastiwi Wibowo Suci Murni Prastiwi Wibowo Suharto, Rachel Devita Syarifa, Najwa Kamila Widya Multisari Yuniawatika Zamroni Zamzamima, Elcindi Lazuardin ‘Aliyah, Shabrina Muyassirotul