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All Journal Cakrawala Pendidikan STUDIA ISLAMIKA Gaung Informatika WALISONGO Teosofi: Jurnal Tasawuf dan Pemikiran Islam Al-Tahrir: Jurnal Pemikiran Islam ISLAMICA: Jurnal Studi Keislaman ARABIYAT Intizar Jurnal Pendidikan Islam Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Walisongo: Jurnal Penelitian Sosial Keagamaan Wahana Akademika: Jurnal Studi Islam dan Sosial Musawa : Jurnal Studi Gender dan Islam Al Ishlah Jurnal Pendidikan ELSE (Elementary School Education Journal) : Jurnal Pendidikan dan Pembelajaran Sekolah Dasar Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan JURNAL PENDIDIKAN TAMBUSAI Jurnal Pelayanan dan Pengabdian Masyarakat (Pamas) Jurnal Pendidikan dan Konseling SCAFFOLDING: Jurnal Pendidikan Islam dan Multikulturalisme Rayah Al Islam : Jurnal Ilmu Islam Jurnal Pendidikan Madrasah Aphorisme: Journal of Arabic Language, Literature, and Education Wahana Akademika: Jurnal Studi Islam dan Sosial AKSELERASI: Jurnal Ilmiah Nasional Journal of Science and Education (JSE) Interdisciplinary Social Studies el hayah jurnal studi islam Journal of Educational Management and Instruction (JEMIn) INOVATIF: Jurnal Penelitian Pendidikan, Agama, dan Kebudayaan Ukazh : Journal of Arabic Studies Al Fiddhoh: Journal of Banking, Insurance, and Finance el-Jizya: Jurnal Ekonomi Islam ESENSIA: Jurnal Ilmu-Ilmu Ushuluddin Jurnal Keilmuan dan Keislaman Millah: Journal of Religious Studies At-Tarbawi: Jurnal Kajian Kependidikan Islam Jurnal Pendidikan Islam Inkubis: Jurnal Ekonomi dan Bisnis Tadwin: Jurnal Ilmu Perpustakaan dan Informasi Guruku: Jurnal Pendidikan Profesi Guru JK Jurnal Kesehatan Journal Education and Government Wiyata Jurnal Ekonomi Bisnis Antartika International Journal of Islamic Economics (IJIE) Journal of Economic Development and Village Building Educational Studies and Research Journal al-Balagh : Jurnal Dakwah dan Komunikasi Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Cendekia Ilmiah Al-Hayat: Journal of Islamic Education EL-HAYAH Studia Islamika
Toto Suharto
Universitas Islam Negeri Raden Mas Said Surakarta
Religion Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Neuroscience Nursing Physics Public Health Social Sciences Other

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Pengaruh Jumlah Uang Beredar, Tingkat Inflasi dan Suku Bunga Terhadap Pertumbuhan Ekonomi di Indonesia Komalasari, Asni; Fatmasari, Dewi; Suharto, Toto
Jurnal Ekonomi Bisnis Antartika Vol. 2 No. 1 (2024): Juni 2024
Publisher : Antartika Media Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70052/jeba.v2i1.245

Abstract

Tujuan dari penelitian ini yaitu untuk mengetahui pengaruh Jumlah Uang Beredar (JUB), tingkat inflasi dan suku bunga terhadap pertumbuhan ekonomi di Indonesia periode 2013Q1-2022Q4. Metode penelitian yang dipakai yaitu metode kuantitatif dengan data sekunder yang diperoleh dari Badan Pusat Statistik dan Bank Indonesia. Adapun teknik analisis yang dipakai yaitu regresi linear berganda dengan software SmartPLS 4.0. Hasil penelitian membuktikan bahwa secara parsial variabel Jumlah Uang Beredar (JUB) berpengaruh positif dan signifikan terhadap pertumbuhan ekonomi di Indonesia dihitung dengan Produk Domestik Bruto, tingkat inflasi berpengaruh negatif dan signifikan terhadap pertumbuhan ekonomi di Indonesia dihitung dengan Produk Domestik Bruto, suku bunga tidak berpengaruh terhadap pertumbuhan ekonomi di Indonesia dihitung dengan Produk Domestik Bruto dan secara simultan variabel Jumlah Uang Berdar (JUB), tingkat inflasi dan suku bunga berpengaruh positif dan signifikan terhadap pertumbuhan ekonomi di Indonesia dihitung dengan Produk Domestik Bruto. Kemudian untuk hasil determinasi (R Square adjusted) diperoleh 92,2%  yang artinya berpengaruh kuat dan sisanya 7,8% dipengaruhi oleh aspek lain yang tak dikaji pada penelitian ini.   The purpose of this study is to determine the effect of Money Supply, inflation rate and interest rate on economic growth in Indonesia for the period 2013Q1-2022Q4. The research method used is quantitative method with secondary data obtained from the Central Bureau of Statistics and Bank Indonesia. The analysis technique used is multiple linear regression with SmartPLS 4.0 software. The results of the study prove that partially the variable Amount of Money in Circulation has a positive and significant effect on economic growth in Indonesia calculated by Gross Domestic Product, the inflation rate has a negative and significant effect on economic growth in Indonesia calculated by Gross Domestic Product, interest rates have no effect on economic growth in Indonesia calculated by Gross Domestic Product and simultaneously the variable Amount of Money in Circulation, inflation rate and interest rates have a positive and significant effect on economic growth in Indonesia calculated by Gross Domestic Product. Then for the results of determination (R Square adjusted) obtained 92.2% which means a strong effect and the remaining 7.8% is influenced by other factors not mentioned in this study.
THE INFLUENCE OF INFORMATION TECHNOLOGY ON CHRONIC PATIENT HEALTH MANAGEMENT Awan Setiawan; Toto Suharto; Tuhfatul Ulya
Jurnal Kesehatan Vol. 2 No. 4 (2024): April
Publisher : CV. ADIBA AISHA AMIRA

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

Abstract

The digital age has revolutionized the management of chronic patient health with advanced information technology (IT) integration. The study aims to evaluate the impact of information technology on the efficiency, quality, and accessibility of health care for chronic patients. The research method is literary study. Research results show that the use of EHRs makes it easier to access and update patient health data in real time, improving the quality of health care. Telemedicine offers facilities for remote consultation, reducing the need for frequent physical visits, thereby increasing the efficiency of care. Finally, mobile health apps and wearables provide personal and continuous health monitoring, which supports more accurate and informed clinical decision-making. The research concludes that information technology plays an important role in improving health management for chronic patients through improved accessibility, efficiency, and personalization of care.
Pengaruh Penerapan Manajemen Pembiayaan Terhadap Tingkat Pengembalian Pembiayaan Bermasalah riri rizqi; Toto Suharto
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 9, No 2 (2017)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v9i2.1755

Abstract

ABSTRACTBMT merupakan lembaga keuangan nonbank yang dapat membantu aktivitas masyarakat khususnya dalam hal pembiayaan. Penggunaan pembiayaan yang tidak sesuai dapat menimbulkan minimnya tingkat pengembalian pembiayaan tersebut. Penelitian ini bertujuan untuk mengetahui penerapan manajemen pembiayaan pada UJKS BMT Al-Ishlah cabang Arjawinangun dan tingkat pengembalian pembiayaan bermasalah pada UJKS BMT Al-Ishlah cabang Arjawinangun serta pengaruh penerapan manajemen pembiayaan terhadap tingkat pengembalian pembiayaan bermasalah. Metode penelitian yang digunakan yaitu metode kuantitatif. Untuk memperoleh data informasi yang dibutuhkan dilakukan observasi dan penyebaran angket penelitian kepada 40 responden sebagai sampel, hasil penelitian tersebut diolah dengan menggunakan teknik analisis data yang digunakan yaitu teknik analisis korelasi, regresi sederhana, koefesien determinasi, dan uji t student dengan bantuan software SPSS V. 21.            Hasil penelitian diperoleh kesimpulan bahwa penerapan manajemen pembiayaan pada BMT dilihat dari hasil penelitian sebesar 55% dan tingkat pengembalian pembiayaan bermasalah dilihat dari hasil penelitian sebesar 55,75%. Pengaruh  penerapan manajemen  pembiayaan terhadap tingkat pengembalian pembiayaan bermasalah diketahui nilainya sebesar  0,545, artinya memiliki pengaruh yang agak kuat/sedang. Berdasarkan uji t-student diketahui  t hitung = 3,355 dan t tabel = 2,021 yang diperoleh, nilai t hitung lebih besar dari pada t tabel (3,355>2,021), artinya signifikan. Jadi, dapat disimpulkan penerapan manajemen pembiayaan berpengaruh secara signifikan terhadap tingkat pengembalian pembiayaan bermasalah pada UJKS BMT AL-Ishlah cabang Arjawinangun. Analisis koefesien determinasi diperoleh nilai sebesar 20,8% hal ini berarti tingkat pengembalian pembiayaan bermasalah pada UJKS BMT Al-Ishlah cabang Arjawinangun ditentukan oleh nilai 20,8% selebihnya ditentukan oleh faktor lain diluar dari penerapan manajemen pembiayaan pada UJKS BMT Al-Ishlah cabang Arjawinangun yang tidak dibahas dalam penelitian ini. Kata kunci : Manajemen Pembiayaan, tingkat pengembalian pembiayaan bermasalah BMT is a nonbank financial institution that can help the community activities, especially in terms of financing. Use of financing that do not fit can cause a lack of return on such financing. This study aims to determine the application of financial management at BMT UJKS Arjawinangun branch of Al-Islah and the rate of return on the financing problems UJKS BMT Al-Islah Arjawinangun branch and the influence of finance management application on the return of financing problems.            The research method used is quantitative method. To obtain the necessary information data of observation and research questionnaires to 40 respondents in the sample, the results of the study were processed using data analysis techniques were used that technique of correlation analysis, simple regression, coefficient of determination, and the Student t test with SPSS V. 21.            The conclution of the research are the implementation of financial management has resulted of 55% and a return on BMT financing problems seen from the results of 55,75%. Effect of finance management application on the return is known default financing 0.545, meaning that it has a rather strong influence / medium. Based on the student's t-test known t = 3.355 and t table = 2.021 obtained, the value of t is greater than t table (3.355> 2.021), a significant meaning. Thus, we can conclude financing management practices significantly influence the rate of return on the financing problems UJKS BMT AL-Islah Arjawinangun branch. Analysis of coefficient of determination obtained a value of 20.8%, this means that the rate of return on the financing problems UJKS BMT Al-Islah Arjawinangun branch is determined by the value of the remaining 20.8% is determined by other factors outside of finance management application on UJKS BMT Al-Islah branch Arjawinangun which is not addressed in this study. Keywords: finance management,  the rate of finance return       ABSTRACT BMT merupakan lembaga keuangan nonbank yang dapat membantu aktivitas masyarakat khususnya dalam hal pembiayaan. Penggunaan pembiayaan yang tidak sesuai dapat menimbulkan minimnya tingkat pengembalian pembiayaan tersebut. Penelitian ini bertujuan untuk mengetahui penerapan manajemen pembiayaan pada UJKS BMT Al-Ishlah cabang Arjawinangun dan tingkat pengembalian pembiayaan bermasalah pada UJKS BMT Al-Ishlah cabang Arjawinangun serta pengaruh penerapan manajemen pembiayaan terhadap tingkat pengembalian pembiayaan bermasalah. Metode penelitian yang digunakan yaitu metode kuantitatif. Untuk memperoleh data informasi yang dibutuhkan dilakukan observasi dan penyebaran angket penelitian kepada 40 responden sebagai sampel, hasil penelitian tersebut diolah dengan menggunakan teknik analisis data yang digunakan yaitu teknik analisis korelasi, regresi sederhana, koefesien determinasi, dan uji t student dengan bantuan software SPSS V. 21.            Hasil penelitian diperoleh kesimpulan bahwa penerapan manajemen pembiayaan pada BMT dilihat dari hasil penelitian sebesar 55% dan tingkat pengembalian pembiayaan bermasalah dilihat dari hasil penelitian sebesar 55,75%. Pengaruh  penerapan manajemen  pembiayaan terhadap tingkat pengembalian pembiayaan bermasalah diketahui nilainya sebesar  0,545, artinya memiliki pengaruh yang agak kuat/sedang. Berdasarkan uji t-student diketahui  t hitung = 3,355 dan t tabel = 2,021 yang diperoleh, nilai t hitung lebih besar dari pada t tabel (3,355>2,021), artinya signifikan. Jadi, dapat disimpulkan penerapan manajemen pembiayaan berpengaruh secara signifikan terhadap tingkat pengembalian pembiayaan bermasalah pada UJKS BMT AL-Ishlah cabang Arjawinangun. Analisis koefesien determinasi diperoleh nilai sebesar 20,8% hal ini berarti tingkat pengembalian pembiayaan bermasalah pada UJKS BMT Al-Ishlah cabang Arjawinangun ditentukan oleh nilai 20,8% selebihnya ditentukan oleh faktor lain diluar dari penerapan manajemen pembiayaan pada UJKS BMT Al-Ishlah cabang Arjawinangun yang tidak dibahas dalam penelitian ini. Kata kunci : Manajemen Pembiayaan, tingkat pengembalian pembiayaan bermasalah BMT is a nonbank financial institution that can help the community activities, especially in terms of financing. Use of financing that do not fit can cause a lack of return on such financing. This study aims to determine the application of financial management at BMT UJKS Arjawinangun branch of Al-Islah and the rate of return on the financing problems UJKS BMT Al-Islah Arjawinangun branch and the influence of finance management application on the return of financing problems.            The research method used is quantitative method. To obtain the necessary information data of observation and research questionnaires to 40 respondents in the sample, the results of the study were processed using data analysis techniques were used that technique of correlation analysis, simple regression, coefficient of determination, and the Student t test with SPSS V. 21.            The conclution of the research are the implementation of financial management has resulted of 55% and a return on BMT financing problems seen from the results of 55,75%. Effect of finance management application on the return is known default financing 0.545, meaning that it has a rather strong influence / medium. Based on the student's t-test known t = 3.355 and t table = 2.021 obtained, the value of t is greater than t table (3.355> 2.021), a significant meaning. Thus, we can conclude financing management practices significantly influence the rate of return on the financing problems UJKS BMT AL-Islah Arjawinangun branch. Analysis of coefficient of determination obtained a value of 20.8%, this means that the rate of return on the financing problems UJKS BMT Al-Islah Arjawinangun branch is determined by the value of the remaining 20.8% is determined by other factors outside of finance management application on UJKS BMT Al-Islah branch Arjawinangun which is not addressed in this study. Keywords: finance management,  the rate of finance return                            
MANAJEMEN PENDIDIKAN ISLAM MODERN DI PONDOK PESANTREN AL MA’HAD AL ISLAMY ERA SOCIETY 5.0 Miftah, Miftah; Toto Suharto
Guruku: Jurnal Pendidikan Profesi Guru Vol. 3 No. 2 (2024): Guruku: Jurnal Pendidikan Profesi Guru
Publisher : Fakultas Ilmu Tarbiyah dan Keguruan Universitas Islam Negeri Raden Fatah Palembang (UIN) Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/d2bs6x95

Abstract

This research aims to analyze the modernization of Islamic education management at the Al Ma'had Al Islamy Al Ma'ruf Kudus Islamic Boarding School in facing the challenges of the Society 5.0 era. The research uses qualitative methods based on field studies and literature, with data collection techniques in the form of observation, interviews and documentation. The main focus of research includes curriculum updates, digital infrastructure development, increasing human resource competencies, as well as collaboration with industry and other educational institutions. The research results show that Islamic boarding schools have integrated technology in various aspects of management, such as administration, communication and learning, with an approach based on Islamic values. The innovations carried out include providing fast internet access, computer laboratories and digital literacy training programs for staff and students. In addition, the Islamic boarding school curriculum was updated to include relevant subjects, such as entrepreneurship and information technology. This strategy allows Islamic boarding schools to increase operational efficiency, educational relevance and competitiveness in facing changes in the Society 5.0 era. This research contributes to the development of an Islamic boarding school management model that integrates tradition with modern technology-based management practices, ensuring that Islamic boarding schools remain relevant and competitive amidst global dynamics.
Supervision in Islamic Management Kusuma, Muh. Thoriq Aziz; Baidi, Baidi; Suharto, Toto; Amin, Chusnul; Putra, Dutha Bahari Esa Tyas Kurtubi; Ikhsan, Shafi’i; Sabari, Sabari; Ismudiono, Zaki Rakhmawan
Educational Studies and Research Journal Vol. 2 No. 1 (2025): Educational Studies and Research Journal
Publisher : MID Publisher International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60036/3nj65h80

Abstract

The main problem addressed in this research is the challenges in implementing supervisory practices based on Islamic principles, particularly due to cultural barriers, lack of understanding, and conflicting values within diverse organizational settings. The objective of the study is to explore strategies for incorporating Islamic values into supervisory practices, focusing on decision-making, conflict resolution, and fostering collaboration. The research adopts a qualitative approach, utilizing a descriptive-analytic method. Data is gathered from literature on Islamic management principles, leadership studies, and empirical cases of supervisory practices in Islamic organizations. The study emphasizes the role of empathy, justice, and integrity in creating a positive work environment. The findings suggest that educating managers on Islamic ethical practices and promoting cultural competence can effectively overcome barriers to implementing Islamic supervisory principles. Integrating Islamic values into management practices improves organizational ethics, enhances employee satisfaction, and fosters a more inclusive and productive work culture.
Investigasi Pendidikan Islam terhadap Kuasa Otoritas Kekerasan Seksual di Pesantren Winarno, Endri Puji; Islah, Islah; Giyoto, Giyoto; Suharto, Toto; Muharom, Fauzi
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 19, No. 2 : Al Qalam (Maret 2025)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v19i2.4795

Abstract

Penelitian ini bertujuan mendeskripsikan peran Pendidikan Islam terhadap kuasa otoritas kekerasan seksual yang terjadi di lingkungan pesantren, dengan fokus pada relasi kuasa yang timpang antara kyai dan santri perempuan. Studi ini menganalisis kontribusi Pendidikan Islam terhadap hierarki kekuasaan di pesantren yang menyebabkan terjadinya kekerasan seksual. Hasil penelitian menunjukkan kondisi fisik pondok pesantren sebagian besar kamar santri putri, tidak memiliki jendela yang cukup dan pintu tidak dilengkapi kunci. Kondisi kamar mandi putri pun terbuka dan kurang memadai, sehingga privasi santri kurang terjaga. Setidaknya 15 santri putri telah menjadi korban kekerasan seksual yang dilakukan oleh kyainya. Faktor penyebab yang berpotensi terjadinya kekerasan seksual adanya budaya patriarki masih menjadi fenomena yang menonjol, menempatkan perempuan dalam posisi subordinasi dan rentan. Pada praktik budaya patriarki memperkuat ketidaksetaraan gender, menormalisasi dominasi laki-laki, dan melegitimasi eksploitasi terhadap perempuan. Budaya patriarki kemudian menguatkan relasi kuasa untuk menempatkan pada posisi yang tinggi dan dihormati. Pada situasi dan kondisi inilah santri perempuan menjadi tidak berdaya, bahkan ketika peristiwa itu berlangsung. Dalam lingkungan pesantren dan masyarakat sekitar, kekerasan seksual masih dianggap sebagai isu yang tabu dan memalukan. Hal ini berdampak pada minimnya pelaporan kasus kekerasan seksual yang terjadi di pesantren. Dalam konteks pendidikan Islam, akhlak merupakan fondasi utama yang seharusnya diterapkan di pesantren, mencakup: Prinsip Akhlak dan Etika dalam Pendidikan Islam, Implementasi Maqashid Syariah, Penguatan Sistem Pengawasan Berbasis Nilai Islam. Dari sinilah Pendidikan islam, harus terus di tegakkan dengan sungguh-sungguh meskipun di Pondok Pesantren.
ANALYSIS OF FACTORS INFLUENCING EMPLOYMENT OPPORTUNITIES IN WEST JAVA PROVINCE IN 2015-2020 Akbar, Syuhada; Haerisma, Alivien Septian; Suharto, Toto
Journal of Economic Development and Village Building Vol. 1 No. 1 (2023): Journal of Economic Development and Village Building
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jedvb.v1i1.4

Abstract

The study aims to determine the impact of GRDP, PMDN, and FDI on job opportunities in West Java Province, either partially or simultaneously. This study used a quantitative research method which was conducted from January to June 2022. The data used came from the Central Statistics Agency (BPS) www.bps.go.id. The sampling technique used was purposive sampling. Processing flow the collected data is processed with SPSS version 20 and data testing is carried out, namely: Classical Assumption Test, Model Test, and Hypothesis Test. The results showed that GRDP had an effect on employment opportunities as evidenced by t count (17.485) > t-table (4.30265) and Sig count (0.003) < 0.05. PMDN affects the number of workers needed, t-count (133.218) > t-table (4.30265), and Sig count (0.000) < 0.05. Likewise, foreign investment has an effect on the required workforce with t-count (22.762) > t-table (4.30265) and Sig count (0.002) < 0.05. Gross Regional Domestic Product, Domestic Investment, and Foreign Investment have a simultaneous effect on employment opportunities, with F count (6247.864) > F table (19.00) and Sig count (0.000) < 0.05. So it can be stated that the GRDP, PMDN, and FDI variables simultaneously have a significant effect on the employment opportunity variable.
GURU DALAM KITAB MANHAJUS SAWI KARYA HABIB ZAIN BIN SMITH DAN RELEVANSINYA DENGAN KARAKTERISTIK GURU ABAD 21 (DUA PULUH SATU) Rahman, Abdul; Suharto, Toto; Safira, Safira
Journal Education and Government Wiyata Vol 2 No 2 (2024): Mei 2024
Publisher : Yayasan Panca Bakti Wiyata Pangandaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71128/e-gov.v2i2.77

Abstract

This research aims to find out educational material as an educator, and what are the guidelines for an educator from the perspective of Habib Zain bin Smith in the book Manhajus Sawi. As well as getting educational material that can be used in the 21st century. Then, relevant educational guidelines from Habib Zain bin Smith to the 21st century. This research uses library research methods with a qualitative method approach. The primary data source used in this research is the book Manhajus Sawi by Habib Zain bin Smith and the secondary data source is the Education Law in Indonesia, as well as supporting books, articles and scientific journals related to this research. The results of this research show (1) There are six materials for being an educator according to Habib Zain bin Smith, namely being objective, honest, ascetic, gentle, humble and respectful. (2) Educational materials according to Indonesian law, namely acting in accordance with Indonesian national religious, legal, social and cultural norms. Present yourself as a person who is honest, has noble character, and is a role model for students and society. Present yourself as a steady, stable, mature, wise person. Demonstrate work ethic, high responsibility, pride and confidence in being a teacher. Upholding the teacher's code of ethics. (3) Educational materials according to Habib Zain bin Smith's opinion and educational materials that have been stipulated by the Ministry of Education and Culture in the Republic of Indonesia Law have similarities, namely having the same goal of having good character and material. provided also explains how to have a good education in accordance with the 21st century. (4) Appropriate educational materials at this time can be applied to all elements of formal and non-formal educational institutions
Strategi Pengembangan Produk Pada Bank Syariah Indonesia Dalam Meningkatkan Pembiayaan Murabahah Kholik, Abdul; Fatmasari, Dewi; Suharto, Toto
Inkubis : Jurnal Ekonomi dan Bisnis Vol. 5 No. 1 (2023): INKUBIS Jurnal Ekonomi dan bisnis
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/inkubis.v5i1.68

Abstract

Penelitian ini bertujuan untuk mengetahui permasalahan dan kendala dalam pembiayaan murabahah di BSI KCP Arjawinangun; untuk mengetahui solisi dan penyelesaian permasalahan pembiayaan di BSI KCP Arjawinangun.dan ; untuk mengetahui bagaimana strategi pengembangan pada BSI KCP Arjawinangun. Penelitian ini menggunaakan pendekatan kualitatif deskriptif, dengan jenis penelitian studi kasus pada objek. Penelitian deskriptif memusatkan perhatian kepada pemecahan masalah dengan mengumpulkan data lapangan, menyusun data aktua mengenai strategi pengembangan produk pada bank syariah Indonesia dalam meningkatkan pembiayaan murabahah sebagaimana adanya pada saat penelitian dilaksanakan. Dari hasil penelitian yang telah dilakukan diketahui bahwa strategi pengembangan produk pembiayaan murabahah sudah dilakukan dengan baik, karena kepuasan nasabah sangat penting apabila pembiayaan murabahah sesuai dengan kebutuhan atau harapan nasabahnya. Dapat disimpulkan bahwa Dalam strategi pengembangan produk pembiayaan murabahah kepuasan nasabah lebih diutamakan sesuai dengan kebutuhan, keinginan dan harapan nasabah dapat terpenuhi melalui pembiayaan murabahah.
Digitizing Professional Zakat Through Payroll Systems: A Maqashid Shariah-Based Approach to Achieving the SDGs Mustaqim, Dede Al; Toto Suharto; Afif Muamar
Jurnal Internasional Ekonomi Islam Vol 7 No 01 (2025): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v7i01.10254

Abstract

Introduction: Professional zakat is an Islamic financial instrument contributing to economic redistribution and poverty alleviation. In Indonesia, professional zakat has been accommodated in various regulations, including in PT PLN, which applies automatic deduction through the payroll system based on Board of Directors Regulation Number 120.P/DIR/2017. Objective: This study aims to analyze the implementation of professional zakat through the payroll system at PT PLN, from a maqashid sharia perspective, and its impact on achieving the Sustainable Development Goals. Method: This research used a qualitative approach with a case study method, involving interviews, observation, and document analysis. Result: This study found that professional zakat in PT PLN is automatically deducted by the payroll system by the Human Capital Management Division from the salaries of Muslim employees according to the nishab and managed by the PLN Baitul Maal Foundation. This implementation facilitates the obligation of zakat and follows the principles of maqashid sharia, and contributes to poverty reduction, education, and economic empowerment in achieving Sustainable Development Goals. Implication: This research shows that the payroll system in professional zakat ensures sharia compliance, contributes to social welfare, and accelerates the sustainable achievement of the Sustainable Development Goals.
Co-Authors '`Ainina, Mutanafisah Qurrotu ., lelah Abdul Ghoni Abdul Kholik Abdul Matin Bin Salman Abdul Rahman Afif Hasbi Bustomi Afif Muamar Agung Ilham Prastowo Ahmad Fauzi Akbar, Syuhada Ali Muhksin ALVIEN SEPTIAN HAERISMA Amin, Chusnul Anindya, Vani Annisa Arsya Wardani ARDIANSYAH ARDIANSYAH Arif Pristianto Awan Setiawan Baidi Dewi Fatmasari Eka Danik Prahastiwi Esa pramila agustin Fathan Fathan Fauzi Ahmad Muda Fauzi Muharom Fauzi Muharrom Fitria Nita Witanti Galih Ismail Abdul Rozaq Al Fadjri Giyoto Haerisma, Alivien Septian Hargiani, Fransisca Xaveria Haryono Saputro Hasanah, Nuning Ikhsan, Shafi’i Imam Makruf Indriani, Luci Islah Islah, Islah Ismudiono, Zaki Rakhmawan Ja&#039;far Assagaf Khuriyah . Komalasari, Asni Kusuma, Muh. Thoriq Aziz Lawton, Megan J. Mifedwil Jandra Miftah Miftah, Miftah Muhammad Da&#039;i Muhammad Irfan Syaifuddin Muhammad Nanang Qosim Muhammad Rifai Muhammad Rifai Mustaqim, Dede Al Mutalazimah Mutalazimah Nur ‘Azah Nurudin, M. NURUL HIDAYAH Nuryanto Nuryanto Okti Sri Purwanti Purwanto Puspitasari, Dyah Intan Putra, Dutha Bahari Esa Tyas Kurtubi riri rizqi Rizqi, Wahid Tuftazani Robbianto, Muhammad Sabari Sabari Safira, Safira Sembodo Ardi Widodo Setia Asyanti Sholawati, Yuaffa Siti Zulaekah Soleh, Mad Syamsul Bakri Tria Lestari Tuhfatul Ulya Winarno, Endri Puji