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Penerapan Sistem Tanggung Renteng dalam Kelancaran Pembayaran Kredit Nasabah Perspektif Ekonomi Islam: Studi Pada Permodalan Nasional Madani (PNM) Mekaar Cabang Aimas Sorong Irlenia Febryanty Irawan; Suharmoko Suharmoko; Rokhimah Rokhimah
At-Thariqah: Jurnal Ekonomi Vol. 2 No. 2 (2022): Jurnal Ekonomi
Publisher : Prodi Ekonomi Syariah IAIN Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47945/at-thariqah.v2i2.750

Abstract

This study aims to determine the application of the joint responsibility system used in the launch of credit payments, to determine the costumer credit payment process and to determine the Islamic economic perspective regarding the joint responsibility system. The method used in this study is a qualitative apporoach, with the type of research used is Field Research. Methods of data collection is done by the process of observation, interviews and documentation. In testing the validity of the data the author uses two steps, namely observation and triangulation to obtain facts that actually occur. The results pf this study concluded that: the implementation of the joint responsibility system used was carrid out properly in accordance with the applicable rules and agreements, this was evidenced by the costumer group members applying the joint responsibility system if there were group members who did not pay instalments. The costumer credit payment process is carried out by means of the group members homes. The Islamic economic perspective regarding the financing of joint responsibility is in accordance with the concept of kafalah, namely the principle of kafalah bi al-mal which forms an agreement to work together and be responsible between fellow costumers of group members, to bear with each other using personal assets in the form of money between one member and member other if there is arrears by one of the members in terms of returning the financing credit.
A Study on the Appropriateness of Vocabulary in The Grade IX English Textbook: Perspectives of Teachers and Students Lulu Angguni; Suharmoko Suharmoko; Miftahulfadlik Dabamona
International Journal of English Education and Linguistics (IJoEEL) Vol 8, No 1 (2026)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/ijoeel.v8i1.15220

Abstract

Vocabulary appropriateness in EFL textbooks remains underexamined in Southwest Papua, where regional disparities in English exposure and limited supplementary resources create conditions distinct from those commonly discussed in the literature. This study examined teacher and student perspectives on vocabulary in the Grade IX English textbook published by Intan Pariwara (Bahasa Inggris untuk SMP/MTs Kelas 9) at MTs Negeri Kota Sorong, Southwest Papua, a context where English is largely confined to the classroom. Six participants were recruited through purposive sampling: two English teachers and four Grade IX students, whose combination enabled triangulation between instructional context and lived experience. Data were collected via semi-structured interviews conducted in Bahasa Indonesia and translated into English for reporting purposes, then analyzed using the thematic analysis framework of Naeem et al. (2023), with theoretical grounding in Nation (2024), McGrath (2016), and Beck et al. (2013). Four themes emerged: perceived difficulty, vocabulary type, adequacy of support, and learning and teaching strategies. Teachers rated the vocabulary as moderately difficult, while students consistently described it as genuinely difficult, particularly the academic and scientific vocabulary in report texts, which concentrates in Tier 2 and Tier 3 categories. Both groups considered in-text vocabulary support insufficient: glossaries were absent from most units, per-unit word lists were limited, and scaffolding was minimal. Consequently, students relied on tools such as Google Translate and ChatGPT not out of preference but due to limited alternatives, a pattern teachers also acknowledged. Overall, the textbook was considered only partially appropriate, and recommended priority revisions include per-unit vocabulary lists, explicit scaffolding for report text vocabulary, and a comprehensive end-of-book glossary.
Analisis Pengaruh Kualitas Pada Makanan dan Harga Terhadap Kepuasan Pelanggan di Warung Makan Sidoarjo Kota Sorong Wasiba Wasiba; Hasbiah Hasbiah; Suharmoko Suharmoko; La ode Obi; Andi Hasrun
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 3: Maret 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i3.16192

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas makanan dan harga terhadap kepuasan pelanggan pada Warung Makan Sidoarjo Km. 10 di Kota Sorong. Dalam industri kuliner yang semakin kompetitif, kepuasan pelanggan menjadi faktor penting dalam mempertahankan keberlangsungan usaha. Kepuasan pelanggan umumnya dipengaruhi oleh berbagai faktor, di antaranya kualitas produk yang ditawarkan serta kesesuaian harga yang dirasakan oleh pelanggan. Oleh karena itu, penelitian ini dilakukan untuk mengetahui sejauh mana kualitas makanan dan harga berperan dalam membentuk kepuasan pelanggan. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui penyebaran kuesioner kepada 75 responden yang merupakan pelanggan Warung Makan Sidoarjo Km. 10. Teknik pengambilan sampel menggunakan accidental sampling. Data yang diperoleh kemudian dianalisis menggunakan analisis regresi linier berganda dengan bantuan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa kualitas makanan dan harga secara parsial maupun simultan berpengaruh positif dan signifikan terhadap kepuasan pelanggan. Kualitas makanan merupakan variabel yang paling dominan dalam memengaruhi kepuasan pelanggan, sedangkan harga berperan dalam membentuk persepsi nilai pelanggan terhadap produk yang diterima. Temuan ini menunjukkan bahwa peningkatan kualitas makanan serta penetapan harga yang sesuai dengan harapan pelanggan merupakan faktor penting dalam meningkatkan kepuasan pelanggan dan memperkuat daya saing usaha kuliner
STRATEGI PEMBELAJARAN DARING DAN LURING PADA MASA PANDEMI COVID-19 DI MI QUBA KOTA SORONG Putri Putri; Suharmoko Suharmoko; Darnanengsih Darnanengsih
MISOOL: Jurnal Pendidikan Dasar Vol. 3 No. 1 (2021)
Publisher : Program Studi Pendidikan Guru Madrasah Ibtidaiyah Institut Agama Islam Negeri Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47945/misool.v3i1.548

Abstract

This study aims to determine: 1) online and offline learning strategies used during the Covid-19 pandemic, and 2) obstacles in implementing online and offline learning strategies during the Covid-19 pandemic at MI Quba, Sorong City. This study uses a qualitative approach with a descriptive type of research. Data collection techniques were carried out by interviews and documentation. The research subjects were homeroom teachers for class IV-VI AB. The data analysis technique used is the Miles and Huberman model, namely data collection, data reduction, data presentation, and data conclusion/verification. Test the validity of the data using source triangulation and technical triangulation. The results showed that 1) the online learning strategies used were constructivist pedagogical strategies and offline learning strategies using cooperative learning strategies, 2) the obstacles faced in the application of online and offline learning strategies, the obstacles during online learning were in terms of facilities not all students have a cellphone, slow internet network, full cellphone memory, internet quota, and in terms of learning outcomes the homeroom teacher is not satisfied with learning because they cannot directly monitor students in the teaching and learning process so that students lack understanding of the subject matter presented. The obstacle faced by homeroom teachers during offline learning is the limited study time