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All Journal GEMA TEKNOLOGI MENDIDIK: Jurnal Kajian Pendidikan dan Pengajaran Efektor Jambura Economic Education Journal BASKARA: Journal of Business and Entrepreneurship IIJSE
Subali Subali
Jurusan teknik elektro program diploma III Fakultas Teknik Universitas Diponegoro Jalan Prof. Sudharto, SH Tembalang- Semarang 50275
Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Evaluating the Implementation of Musyarakah Mutanaqisah in Enhancing Mortgage Financing Practices at Islamic Financial Institutions Azizah, Fika Nurul; Subali, Subali
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): 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.v8i1.5574

Abstract

This study examines the evaluating effectiveness of musyarakah mutanaqishah financing at BPR Syariah Harta Insan Karimah, East Jakarta Branch, aimed at supporting asset ownership for community members in need. Despite its potential benefits, the process faces challenges due to payment delays from some customers. This research employs a participatory observation approach, utilizing qualitative descriptive methods with data collected through interviews and documentation. Findings indicate that BPR Syariah Harta Insan Karimah applies a profit-sharing scheme tailored for housing ownership, aligning with standard practices in Islamic banking. However, the bank enforces stringent credit evaluations, including a comprehensive review of customer credit history, to mitigate default risk. Customers with substantial arrears from other banks are ineligible for musyarakah mutanaqishah financing, reflecting the institution's commitment to prudent financing management. This study contributes to a better understanding of the operational standards and risk management strategies within sharia-based financial institutions.
Eksplorasi Dampak Electronic Word of Mouth Terhadap Perilaku Pembelian Konsumen di Toko Online Shopee Fadhillah, Wanda; Subali, Subali
Jambura Economic Education Journal Vol 7, No 3 (2025): : July 2025
Publisher : Gorontalo State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jeej.v7i3.26818

Abstract

Consumer behavior in online stores is influenced by several factors such as reviews from other users. These reviews greatly affect the attractiveness of online stores and consequently show an impact on consumer purchasing behavior. This study intends to show the impact of electronic word of mouth on consumer purchasing behavior in the Shopee online store. This study uses a quantitative research method with a sample of 100 respondents using a purposive sampling method. Data were collected using questionnaire distribution techniques and simple linear regression analysis. This study shows the results that E-WOM has a significant impact on customer purchasing behavior, by obtaining a calculated t value (2.896) t table (1.960) and a significance t test (0.005) 0.05, then H0 is rejected and H1 is accepted. Thus, E-WOM shows its influence on consumer purchasing behavior in the Shopee online store by 79%.
Implementasi Penguatan Profil Pelajar Pancasila di Sekolah Menengah Atas Safi’i, Imam; Subali, Subali; Ahmad, Zuhad; Ghozali, Muhammad Zulfa Azhari; Sobri, Sobri
MENDIDIK: Jurnal Kajian Pendidikan dan Pengajaran Vol 9 No 2 (2023)
Publisher : Universitas Mathla'ul Anwar Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30653/003.202392.452

Abstract

This study aims to describe the forms of implementing the project values of strengthening the Pancasila student profile in one of the private high schools in Jakarta. The method used is observation, namely through direct observation of the research object accompanied by interviews to collect data more comprehensively. The results of the study show that the values of the Pancasila student profile have been implemented intensively at SMA Muhammadiyah 18 Jakarta. The profile of faith, piety to God Almighty and noble character is implemented through the activities of carrying out congregational prayers, reciting and studying the Al Quran. The global diversity profile is implemented through discussions and studies of various foreign cultures. The mutual cooperation profile is implemented through community service activities, group discussions, and the preparation of the OSIS work program. The independent profile is implemented through completing daily assignments, administering exams, and returning and tidying up books in the library. The creative profile is implemented by cultivating students to create new things, carrying out entrepreneurial activities in the form of selling cakes during recess, turning used goods into art, and helping UMKM part time. Critical reasoning is implemented through activities to accustom students to asking questions in class, discussing, giving arguments on the problems posed, criticizing and respecting differences of opinion. The results of this study can be used as a model in implementing Pancasila student profiles in high school.
Co-Authors Ahmad, Zuhad Arif Setiawan Azizah, Fika Nurul Donny Pratama, Donny Dony Hardika Arfianto, Dony Hardika Dyah Palupi Utami, Dyah Palupi Fadhillah, Wanda Fadillah, Putri Nur Ghozali, Muhammad Zulfa Azhari Herlizah, Novita Indradewa, Rhian Khanina Rizki Sekar A, Khanina Rizki Priyo Sasmoko Roby Adi Wibowo, Roby Adi Safi’i, Imam Sartika Kusuma Wardani, Sartika Kusuma Sobri Sobri