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Perception of Ease, Risk, and Benefits in Online Loans: A Study in Lower Middle Communities Nasith, Ali
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): 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.v7i3.5193

Abstract

Technological advancements have provided easier and faster access to financial services, including through online lending applications, which can have significant implications for individual finances and household economic stability. As such, there is an urgent need to explore how their perceptions of the ease, risks and benefits of using online lending applications may influence their financial behavior. The purpose of this study is to gain a deeper understanding of the factors that influence the perceptions of the lower middle class towards online loan applications and also to provide a solid foundation for public policy designers and financial service providers. This research makes use of descriptive quantitative methods. In this study, a questionnaire-based interview serves as the research tool. One hundred participants were selected at random from the pool of potential respondents. Multiple linear regression is the data analysis tool employed in this research. According to the findings, individuals' perceptions of the ease and advantages of using online lending services (pinjol) significantly impact their behavior, whereas the impact of perceived risk is not statistically significant.
The Relationship Between Curriculum Innovation, Lecturer Interaction Quality, and Digital Learning Styles on the Effectiveness of Islamic Education Among Millennials Asnawan Asnawan; Citra Dewi; Ali Nasith; Anuwat Sohwang
Nadwa: Jurnal Pendidikan Islam Vol. 19 No. 2 (2025): Nadwa: Jurnal Pendidikan Islam
Publisher : Faculty of Education and Teacher Training, Universitas Islam Negeri Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/nw.2025.19.2.28031

Abstract

The rapid digital transformation in education has posed unique challenges and opportunities for Islamic education, particularly in meeting the learning needs of the millennial generation. This study investigates the influence of curriculum innovation, lecturer interaction quality, and digital learning styles on the effectiveness of Islamic education among millennials in higher education institutions. Utilizing a quantitative, causal-associative approach, data were collected through structured questionnaires from students and lecturers. The analysis used Structural Equation Modeling–Partial Least Squares (SEM-PLS) via SmartPLS 4.0. The results revealed that curriculum innovation and lecturer interaction have a strong, positive, and significant effect on educational effectiveness, while digital learning demonstrates a weaker but statistically significant effect. The study also confirms that millennial characteristics moderate these relationships, particularly enhancing the effects of curriculum innovation and digital learning. These findings suggest that to improve the effectiveness of Islamic education in the digital era; institutions should prioritize integrated strategies that combine innovative curriculum design, interactive pedagogical methods, and digitally adaptive learning environments aligned with generational learning preferences. This research contributes to the literature by offering a holistic and empirical framework that links educational Innovation with generational dynamics in Islamic higher education.
TRANSFORMASI KEPEMIMPINAN DALAM ORGANISASI PENDIDIKAN ISLAM: ANTARA NILAI SPIRITUAL DAN EVEKTIVITAS MANAJERIAL Rohman, Fathur; Nasith, Ali; Ramadhan, Abdullah Rizki
Jurnal Kepemimpinan dan Pengurusan Sekolah Vol. 10 No. 4 (2025): December (In Progress)
Publisher : STKIP Pesisir Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34125/jkps.v10i4.1140

Abstract

Leadership based on Islamic spiritual values ​​has been proven to make a real contribution to strengthening the religiosity of the school community. This is reflected in the application of the principles of integrity and trust, as well as transformational values ​​that encourage idealistic influence, inspiring motivation, more critical thinking, and attention to individual needs. Leadership transformation in Islamic educational institutions is a strategic issue amidst the currents of managerial modernization and the degradation of spiritual values. This study aims to identify the form and direction of Islamic educational leadership transformation that harmonizes spiritual values ​​with managerial effectiveness. The research approach uses a library method with qualitative descriptive analysis, sourced from scientific literature such as books, journal articles, and relevant research findings. The study's results indicate that effective leadership transformation does not solely emphasize technocratic dimensions, but must be grounded in the spirituality of monotheism that fosters integrity, sincerity, and moral responsibility. The synergy between spiritual values ​​and managerial skills produces a transformative, humanistic, and meaningful leadership model, thereby strengthening institutional performance and building an ethical and value-oriented organizational culture.
Listening Team And Team Quiz Learning Model Implementation Towards Student’s Study Results On Social Science Subject In Islamic Junior High School Bashith, Abdul; Nasith, Ali
International Journal of Educational Research & Social Sciences Vol. 3 No. 2 (2022): April 2022
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijersc.v3i2.354

Abstract

This article is about improving learning through listening teams and quizzes. Seeing the phenomenon of the low level of completeness of students in understanding the material presented in class, because they still use the lecture method which is considered less than optimal. So that the concept of the material is not understood by students. Therefore, we need a solution in teaching and learning activities to overcome the problems above, namely by using the Listening Team and Team Quiz methods as an alternative offer because it can arouse students’ enthusiasm and enthusiasm and develop children’s potential optimally. Experiments of listening team and team quiz learning models on student study results in Islamic Junior High School (Madrasah Tsanawiyah), especially in Social Sciences subjects (IPS).
PROPHETIC LEADERSHIP MODEL IN ISLAM: A TRANSFORMATIONAL STRATEGY TO BUILD A POSITIVE ORGANIZATIONAL CULTURE IN EDUCATIONAL INSTITUTIONS Rahman, Habibur; Tharaba, M. Fahim; Nasith, Ali
Jurnal Kepemimpinan dan Pengurusan Sekolah Vol. 11 No. 1 (2026): Regular Issue (In Progress)
Publisher : STKIP Pesisir Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34125/jkps.v11i1.1199

Abstract

Prophetic leadership is a holistic, transformational approach based on Islamic values, integrating spiritual, ethical, and practical dimensions into organizational management. This study aims to explore the implementation of the prophetic values of shiddiq, amanah, tabligh, and fathonah in building a positive organizational culture in Islamic educational institutions through a literature review analyzing classical and contemporary literature. The results of the study indicate that the application of the principles of monotheism, justice, deliberation, and amar ma'ruf nahi munkar not only strengthens the moral dimension of leadership but also enhances the coherence of values and behavior within the organization. These values play a strategic role in creating a harmonious, just, transparent, and morally sustainable culture, while simultaneously encouraging the formation of an educational environment that prioritizes the development of superior character, integrity, and noble morals. However, the effectiveness of the prophetic leadership model depends heavily on the leader's consistency, the organization's structural readiness, and a commitment to comprehensive value transformation. This study provides theoretical and practical contributions to the development of an Islamic-based educational leadership model relevant to the demands of the modern era. It also offers comprehensive insights for Islamic educational institution managers in designing leadership strategies capable of creating a more equitable, adaptive, and sustainable education system.
AKHLAK PEMIMPIN SEBAGAI PILAR PERILAKU ORGANISASI DI LEMBAGA PENDIDIKAN ISLAM: Presdiranti, Pryditzia; Nasith, Ali
Jurnal Kepemimpinan dan Pengurusan Sekolah Vol. 11 No. 1 (2026): Regular Issue (In Progress)
Publisher : STKIP Pesisir Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34125/jkps.v11i1.1273

Abstract

This study aims to examine and analyze the role of leader morals as the main pillar in shaping organizational behavior in Islamic educational institutions. The research uses a qualitative approach with a library research method, through reviewing various relevant literature sources, such as books, scientific articles, journals, and academic documents that discuss Islamic leadership and organizational behavior. Data analysis was conducted by reviewing, interpreting, and synthesizing relevant theories and findings to obtain a comprehensive understanding of the relationship between leadership morals and organizational behavior. The results showed that leader morals have a significant influence in creating conducive, harmonious, and productive organizational behavior in Islamic educational institutions. Leaders who have good morals, such as honesty (Shiddiq), trustworthiness, fairness, wisdom, and responsibility, are able to become moral and spiritual role models for all members of the organization. This example contributes to building an Islamic work culture, increasing motivation, discipline, cooperation, and loyalty of the institution's citizens. Thus, the character of the leader not only serves as the moral foundation of leadership, but also becomes a strategic foundation in shaping organizational behavior that is effective, professional, and oriented towards the values of worship and mutual benefit.
MEMBANGUNN ORGANISASI ISLAM YANG BERKARAKTER: PERAN KEPEMIMPINAN SPIRITUAL Khoirinnisa, Khoirinnisa; Nasith, Ali
Jurnal Kepemimpinan dan Pengurusan Sekolah Vol. 11 No. 1 (2026): Regular Issue (In Progress)
Publisher : STKIP Pesisir Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34125/jkps.v11i1.1285

Abstract

Leadership is a key element in determining the direction, strategy, and success of an organization. In the context of Islamic organizations, leadership has a broader meaning because it focuses not only on the achievement of worldly goals, but also on the formation of spiritual and moral values rooted in Islamic teachings. Spiritual leadership is an approach to leadership that integrates the worldly aspect with divine values, where the leader acts as a director, guide, as well as an example for the members of the organization. Through the values of honesty, trust, wisdom, and compassion, spiritual leadership is able to form the character of an Islamic organization that has integrity and is oriented towards blessings. This study aims to describe the concept of spiritual leadership in building Islamic organizations with character based on a literature review of Islamic leadership theory and practice. This study uses a qualitative approach with a literature study method. The results of the study show that spiritual leadership is a leadership model that combines worldly and spiritual dimensions. Spiritual leaders not only manage the organization administratively, but also instill faith, moral, and ethical values in every act of leadership.
From pluralism to tolerance: The role of project-based social studies learning in Islamic schools Nur Chamidah; Ali Nasith; Alfiyana Yuli Efiyanti
Harmoni Sosial: Jurnal Pendidikan IPS Vol. 13 No. 1 (2026): March
Publisher : Program Pascasarjana Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/hsjpi.v13i1.96146

Abstract

This study uses a mixed method with a sequential exploratory model approach. The research population consisted of 120 students with a sample of 92 eighth-grade students at MTsN 1 Kediri City. Qualitative data were obtained from interviews, observations, and documentation. Meanwhile, quantitative data were obtained through the distribution of questionnaires using a Likert scale (Cronbach's Alpha > 0.97). The results showed that pluralism had been systematically integrated into teaching modules through heterogeneous group discussions and problem-based learning. This application was reinforced by the P5RA (Rahmatan Lil Alamin Student Profile Strengthening Project) school program, which is a character-building program for students in instilling Islamic values and understanding cross-cultural diversity.  Simple linear regression analysis produced a p-value of 0.000 < 0.05, indicating that the integration of pluralism values in Social Studies (IPS) learning has an effect on students' tolerance levels in Islamic-based educational institutions. Thus, the application of pluralism values in IPS learning, implemented through heterogeneous project-based learning and school programs in the form of cultural performances, has been proven to be effective in increasing student tolerance.
PERILAKU ORGANISASI DALAM LEMBAGA PENDIDIKAN ISLAM; KAJIAN INTERAKSI ANTARA STRUKTUR , NILAI, DAN KEPEMIMPINAN Layalil Maghfiroh Zain; Ali Nasith
Jurnal Manajemen Pendidikan Vol. 11 No. 1 (2026): Regular Issue (In Progress)
Publisher : STKIP Pesisir Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34125/jmp.v11i1.1282

Abstract

This study aims to examine in depth how the relationship between organizational structure, Islamic values, and leadership can shape organizational behavior in Islamic educational institutions. This study is motivated by the fact that many Islamic educational institutions are still struggling to balance professionalism in institutional management with the application of spiritual values. The research was conducted through a literature study method by examining various scientific sources such as books, journals, and previous research results. All data were then analyzed descriptively to find patterns of correlation and influence between the three elements in the context of Islamic education management. The results of the study show that organizational structure acts as a system that regulates the division of tasks and responsibilities, Islamic values become the moral foundation that guides behavior, while leadership acts as a driving force that unites the two so that they run in harmony. When these three elements are harmoniously intertwined, the organizational behavior that emerges is not only efficient but also reflects Islam through attitudes of trustworthiness, fairness, and responsibility. Thus, the balance between structure, values, and leadership becomes the main foundation in building an ethical, productive organizational culture that has spiritual strength in the Islamic education environment.
The Behavior of Islamic Educational Organizations: Between Tradition, Modernity and Spirituality Endiana, Yeni; Nasith, Ali
El-Idare: Jurnal Manajemen Pendidikan Islam Vol 12 No 1 (2026): El-Idare
Publisher : Program Studi Manajemen Pendidikan Islam Fak. Ilmu Tarbiyah dan Keguruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/elidare.v12i1.34693

Abstract

Rapid social transformation in the modern era poses new challenges for Islamic educational organizations. Islamic education is required to preserve its religious identity while simultaneously adapting to contemporary developments. The need to integrate tradition, modernity, and spirituality renders the study of organizational behavior in Islamic education both conceptually and practically significant. This study aims to critically examine the characteristics, the roles of tradition, modernity, and spirituality, as well as the ideal model of organizational behavior in Islamic educational institutions. The research employs a qualitative method using a library research approach to analyze relevant theoretical frameworks and empirical findings. The results indicate that: (1) the characteristics of organizational behavior in Islamic education include work motivation as an act of worship, the implementation of an Islamic organizational culture, adherence to the principle of maslahah (public benefit), and the perception of leadership as a trust (amanah); (2) tradition plays a crucial role in shaping organizational identity and maintaining value stability, modernity drives transformation and innovation, while spirituality provides meaning and direction for organizational practices; and (3) consequently, the ideal model of organizational behavior in Islamic education is one that is rooted in traditional values, adaptive to contemporary changes, and oriented toward spiritual principles. his study is expected to contribute to the advancement of scholarly discourse on organizational behavior in Islamic education, particularly in integrating tradition, modernity, and spirituality as a foundational framework for developing adaptive and value-based Islamic organizational cultures.