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All Journal Journal The Winners Jurnal Keperawatan dan Kesehatan Masyarakat CENDEKIA UTAMA Jurnal Ilmiah Administrasi Publik (JI@P) MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Jurnal ORTOPEDAGOGIA Jurnal Manajemen Indonesia Jurnal Ekonomi & Keuangan Islam ADMINISTRASI PUBLIK Jurnal Basicedu Referensi : Jurnal Ilmu Manajemen dan Akuntansi JCRS (Journal of Community Research and Service) JBIMA (Jurnal Bisnis dan Manajemen) Jurnal E-Bis: Ekonomi Bisnis Al-Mal:Jurnal Akuntansi dan Keuangan Islam Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Indonesian Journal of Islamic Business and Economics (IJIBE) Journal Mathematics Education Sigma [JMES] Didaktika Disclosure: Journal of Accounting and Finance Journal of Management and Islamic Finance Personifikasi: Jurnal Ilmu Psikologi JAMAIKA: Jurnal Abdi Masyarakat Jurnal Ekonomi, Bisnis dan Manajemen Jurnal Basicedu Innovative: Journal Of Social Science Research DINAMIKA: Jurnal Manajemen Akuntansi, Bisnis dan Kewirausahaan Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Muslim Heritage INASJIF Miftah Jurnal Sains Student Research Jurnal Pajak dan Analisis Ekonomi Syariah Jurnal Ekonomi, Akuntansi dan Perpajakan
Sulasih Sulasih
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Nursing Public Health Social Sciences Other

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IDENTIFIKASI PENGGUNAAN MEDIA SOSIAL DAN DAMPAKNYA PADA KINERJA PEMASARAN DALAM PERSPEKTIF EKONOMI ISLAM PADA USAHA SKALA MIKRO DI KABUPATEN BANYUMAS sulasih, sulasih; Wahyuningtyas, Ida Puspitarini; Rohiwan, Sidik; Suliyanto, Suliyanto
MUSLIM HERITAGE Vol 9 No 1 (2024): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v9i1.7555

Abstract

AbstractThis research aims to determine the role of entrepreneurial orientation on the use of social media and marketing performance with innovative ability as a moderating variable in microscale businesses in Banyumas Regency. The sample in this study was determined using slovin and sampling using the purposive sampling method and the sample size was 100 respondents. The data analysis technique used in this research is partial least squares (PLS) analysis. The research results show that it partially has a positive and significant effect, while the use of social media partially mediates the effect of entrepreneurial orientation on marketing performance. Mediation in this research model is partial, in other words, the use of social media has a function to bridge the influence of entrepreneurial orientation on marketing performance. However, because the mediation characteristics are partial, even without the social media use variable, entrepreneurial orientation is still able to influence marketing performance positively and significantly. These results confirm that entrepreneurial orientation can increase and strengthen the use of social media by micro-scale business actors in Banyumas, which will also have an impact on improving business performance. Furthermore, innovative ability does not moderate the relationship between the use of social media and marketing performance. Entrepreneurial orientation, innovative ability and the use of social media by micro-scale business actors in Banyumas Regency are in accordance with the Islamic economic perspective where business actors dare to take risks, are innovative and use media. in the form of technology for muamalah activities that are in accordance with sharia principles, and this has an impact on the benefit of the people in the form of increasing marketing performance AbstrakPenelitian ini bertujuan untuk mengetahui peran orientasi kewirausahaan pada penggunaan media sosial dan kinerja pemasaran dengan kemampuan inovatif sebagai variabel moderasi pada usaha skala mikro di Kabupaten Banyumas. Sampel dalam penelitian ini ditentukan dengan menggunakan slovin dan pengambilan sample dengan metode purposive sampling dan jumlah sampel sebanyak 100 responden. Teknik analisis data yang digunakan dalam hal ini penelitian adalah analisis partial least square (PLS). Hasil penelitian menunjukkan bahwa secara partial berpengaruh positif dan signifikan, sedangkan penggunaan media sosial memediasi secara partial pengaruh orientasi kewirausahaan pada kinerja pemasaran. Mediasi dalam model penelitian ini bersifat parsial, dengan kata lain, penggunaan media sosial memiliki fungsi untuk menjembatani pengaruh orientasi kewirausahaan terhadap kinerja pemasaran. Namun, karena karakteristik mediasinya partial, bahkan tanpa variabel penggunaan media sosial, orientasi kewirausahaan masih mampu mempengaruhi kinerja pemasaran secara positif dan signifikan. Hasil ini menegaskan bahwa orientasi kewirausahaan dapat meningkatkan dan memperkuat penggunaan media sosial oleh para pelaku usaha skala mikro di Banyumas, yang juga akan berdampak pada peningkatan kinerja bisnis. Lebih lanjut, kemampuan inovatif tidak memoderasi antara penggunaan media sosial dengan kinerja pemasaran, Orientasi kewirausahaan, kemampuan inovatif dan penggunaan media sosial oleh pelaku usaha skala mikro di Kabupaten Banyumas telah sesuai dengan perspektif ekonomi islam dimana pelaku usaha berani mengambil resiko, memiliki inovatif serta menggunakan media berupa teknologi untuk kegiatan muamalah yang sesuai dengan prinsipprinsip syariah, dan hal tersebut berdampak pada kemaslahatan umat berupa adanya peningkatan kinerja pemasaran.
Analisis Faktor-Faktor yang Mempengaruhi Minat Nasabah terhadap Produk Cicil Emas sebagai Investasi Jangka Panjang di Bank Muamalat Purwokerto Novika Nur Fitriana; Ismiati Ismiati; Pandu Kurniawan; Sulasih Sulasih
Jurnal Pajak dan Analisis Ekonomi Syariah Vol. 2 No. 4 (2025): Oktober: Jurnal Pajak dan Analisis Ekonomi Syariah
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jpaes.v2i4.1652

Abstract

This study aims to examine various factors that influence customers' engagement in choosing the Cicil Emas product as a form of long-term investment at Bank Muamalat Purwokerto. This research is based on the increasing trend of gold investment in the community caused by the increase in gold prices and awareness of the importance of halal investment according to sharia principles. This study uses a descriptive qualitative approach with data collection techniques through interviews, observations, and documentation of Bank Muamalat Purwokerto. The results show that customer interest is influenced by several main factors, namely trust in sharia principles through the murabahah contract, a positive perception of gold as a stable investment asset, the ease of installment procedures that are flat and transparent, and the efficiency of the payment system through autodebit. In addition, social factors such as family recommendations and active promotions from the marketing department also strengthen customer interest. From the SWOT analysis, it was found that the main strength of this product lies in Bank Muamalat's reputation as a pioneering sharia bank and a stable installment system, while its main weaknesses are limited physical gold stocks and low public investment literacy. With increasing public awareness of sharia investment and the large market potential in Purwokerto, the Cicil Emas product has strong prospects for continued growth as a safe and Islamically-compliant long-term investment instrument.
Analisis Risiko dan Mitigasi pada Produk Saqura BMT Bahtera KC Purwokerto Debby Laura Sendy; Dian Fatimah Azzahra; Desi Dwi Ruswanti; Neli Nurul Azizah; Niken Melani; Sulasih, Sulasih
Jurnal Ekonomi, Akuntansi, dan Perpajakan Vol. 2 No. 4 (2025): November: Jurnal Ekonomi, Akuntansi, dan Perpajakan (JEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jeap.v2i4.1659

Abstract

This study aims to analyze the risks and mitigation strategies applied to the Saqura product at BMT Bahtera KC Purwokerto. Saqura is a special sharia-based savings product intended for financing aqiqah and qurban worship with a weekly deposit system. This study used a qualitative descriptive method through observation, structured interviews, and documentation. The results showed that the main risks faced include liquidity, operational, reputation, sharia, fund distribution, and external risks. However, the risk level at the Purwokerto branch is still relatively low due to strict management and a routine monitoring system. Mitigation is carried out through the application of the 5C principle (Character, Capacity, Capital, Collateral, Condition), HR training, sharia audits, and cash management and active communication with members. In conclusion, BMT Bahtera KC Purwokerto has good growth potential with effective risk management, supporting the sustainability of the Saqura product and member trust in sharia financial services.                                                            
ANALISIS FAKTOR PENGETAHUAN, REPUTASI, LINGKUNGAN, DAN RELIGIUSITAS TERHADAP MINAT MENABUNG PADA SISWA SMK JURUSAN PERBANKAN SYARIAH Salsabilla, Ashifa Isnaeni; Sulasih, Sulasih; Parno, Parno; Setianingsih, Dias
Indonesian Scientific Journal of Islamic Finance Vol 4 No 1 (2025): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v4i1.11523

Abstract

Although Indonesia has a predominantly Muslim population, the market share of Islamic banking in 2020 remained relatively modest at only 6.18%. One of the major challenges lies in the low savings interest among the younger generation. Previous studies have investigated the influence of knowledge, reputation, environment, and religiosity on saving behavior; however, the findings remain inconclusive, thereby creating a research gap that merits further exploration. The novelty of this study lies in its simultaneous examination of these four variables within the context of vocational high school students majoring in Sharia banking who have direct access to a school-based mini-bank facility, an environment that has rarely been addressed in prior research. Employing a quantitative approach, the study utilized a survey method with purposive sampling involving 139 students from SMK Negeri 1 Purwokerto. Data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression, preceded by validity, reliability, and classical assumption tests. The findings reveal that knowledge exerts a significant negative effect on saving interest, while reputation, environment, and religiosity demonstrate significant positive effects. Collectively, these four variables significantly influence saving interest, with a coefficient of determination of 40.2%. This study highlights that Islamic banks may enhance their attractiveness to young customers by strengthening institutional reputation, fostering supportive environments, and reinforcing religious values. Nevertheless, positive perceptions of products and services should be complemented by improved financial knowledge to further optimize savings interest in Islamic banking
A psychological perspective on students’ attitudes toward mathematics and self-confidence in contextual role-playing learning Getut Pramesti; Sulasih Sulasih; Eko Santoso; Retno Dwi Astuti; Adhitya Try Mahardika; Samuel Ardika Santosa; Salsabila Mutmainah; Pinasthi Soesilo Oetomo; Evellyn Sandra Auliya; Yusril Gibran Tsaqih; Winandita Amelia Douryat
Personifikasi: Jurnal Ilmu Psikologi Vol 17, No 1 (2026)
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/personifikasi.v17i1.34690

Abstract

The research examined the implementation of contextual role-play learning and its relationship with students’ attitudes toward mathematics and self-confidence from a psychological perspective. A quantitative approach was employed using descriptive and inferential analyses. The population comprised Grade VII students enrolled at a public junior secondary school in rural Karanganyar, Surakarta, during the 2025/2026 academic year. Data were collected from March to May 2026. The sample consisted of 290 students aged 12–13 years, including 111 students who participated in contextual role-play learning and 179 students who participated in non-role-play learning. Participants were selected using cluster random sampling. Significant between-group differences were found in students’ attitudes toward mathematics (p = .004), particularly perceived anxiety (p .001). The engaging, enjoyable, and cooperative environment created through role-play activities helped students participate more comfortably in mathematics lessons. Contextual role-play learning was also associated with higher mathematics self-confidence (p .001), particularly in the self-confidence (p .001) and success-orientation (p .001) dimensions. Psychologically, contextual role-play learning supported confidence by reducing perceived anxiety and making mathematics more meaningful, interactive, and connected to real-life experiences. The findings suggest that contextual role-play activities can create a supportive learning environment that strengthens students’ confidence in achieving success in mathematics.
Financial health, productive financing, and efficiency: Evidence from Islamic microfinance institutions Shafrani, Yoiz Shofwa; Sulasih, Sulasih; Amaludin, Asep
Jurnal Ekonomi & Keuangan Islam Volume 12 No. 2, July 2026
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol12.iss2.art6

Abstract

Purpose – This study examines the effect of liquidity and solvency on Islamic microfinance institution (IMFI) efficiency and tests whether productive financing distribution strengthens these relationships. Methodology – This study uses a quantitative explanatory design with survey data collected from 97 Islamic microfinance institutions in Central Java between March and May 2026. The data were analyzed using partial least squares structural equation modeling (PLS-SEM). The assessment covered indicator reliability, convergent validity, internal consistency, discriminant validity, common method bias, explanatory power, and bootstrapped path significance.Findings – Liquidity has a significant positive effect on efficiency, whereas solvency has no significant direct effect. Productive financing distribution significantly moderates both the liquidity and solvency efficiency relationships. These results show that financial health improves efficiency when liquid funds and capital strength support income-generating financing rather than remaining as passive buffers. Implications – Islamic microfinance managers should integrate liquidity planning, capital management, productive financing selection and repayment monitoring. Supervisors should support portfolio risk control, reporting discipline and managerial capacity building. Originality – Unlike prior Islamic microfinance studies that mainly examine direct financial ratios, outreach, or efficiency scores, this study positions productive financing distribution as a moderating mechanism. It clarifies when financial health becomes an efficiency-enhancing resource for small Islamic financial intermediaries
Co-Authors Adhitya Try Mahardika Agus Suroso Ahmad Suriansyah Aizza, Dianatul Anggita Syafni Aulia Anisatul Amalia Anjani, Wiwin Asep Amaludin, Asep Asky Humeriatunnisa Aslamiah Aslamiah Darmawati Darmawati Debby Laura Sendy Desi Dwi Ruswanti Diah Setyorini Gunawan Dian Fatimah Azzahra Ega Fransiska EKO SANTOSO Endang Pudjiastuti Sartinah Evellyn Sandra Auliya Findianingnsih, Arisa Findianingsih, Arisa Firmansyah, Dani Getut Pramesti Handini, Oktiana Hartotok, Hartotok Humamul Hakim Icuk Rangga Bawono, Icuk Rangga Intansari, Anggita Isty Ismiati Ismiati Isnaeni, Resti Ita Solihatun Jajang Jajang Jamal Abdul Aziz Kamsiah Kamsiah M. Irwan Farouki Maryani, Sri Maula, Muhammad Ihza Maulana, Mohamad Riski Maulida, Indah Ilma Mukarromah, Laili Murdjoko, Murdjoko Mustaghfiroh, Lailatul Neli Nurul Azizah Niken Melani Nindita Septiana Putri Novika Nur Fitriana Nur Najiba Sukmawati Oktiana, Rima Dwi Pandu Kurniawan Pari Purnaningsih Parno Parno Pinasthi Soesilo Oetomo Pratiwi, Rizka Sobriyani Purnaningsih, Pari Rahman, Ifa Hanifa Resti Isnaeni Retno Dwi Astuti Rifda Naufalin Rohiwan, Sidik Salsabila Mutmainah Salsabilla, Ashifa Isnaeni Samuel Ardika Santosa Sarpini Sarpini Setianingsih, Dias Setyanto, Refius Pradipta Sidik Rohiwan SUKMAWATI, NUR NAJIBAH Suliyanto . Suliyanto Suliyanto Sutriawati Sutriawati Trianingsih, Ade Ulya, Rifqo Yatul Unfah Ziyan Zuhwa Wagino Wahyuningtyas, Ida Puspitarini Weni Novandari Weni Novandari Winandita Amelia Douryat Yennie Juhar Latifah Yoiz Shofwa Shafrani, Yoiz Shofwa Yusril Gibran Tsaqih