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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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M-DIN Application Strategy of Bank Muamalat KCP Kuningan in the Era of Bank Digitalization Ghoni, Abdul; Tria Lestari; Toto Suharto; Alvien Septian Haerisma
el-Jizya : Jurnal Ekonomi Islam Vol. 12 No. 1 (2024): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v12i1.10551

Abstract

In the era of digitalization, the banking sector undergoes significant transformation to meet the increasingly sophisticated and mobile demands of customers. Bank Muamalat, as a leading Islamic bank in Indonesia, is not exempt from the pressure to innovate and adapt to technological changes. This research employs a qualitative method with a case study approach at Bank Muamalat KCP Kuningan. Data is collected through interviews with internal bank informants and customers, as well as direct observations. The research findings indicate that the operational procedures of the M-DIN application at Bank Muamalat are proven to be simple and user-friendly, providing convenience from registration to the creation of Transaction Identification Numbers (TIN). The bank adopts a proactive strategy with innovative features, including aspects of Islamic principles and unique services, demonstrating awareness of technological innovation. Active education provided to customers by bank employees successfully increases user interest in M-DIN. The application is directed to every customer opening an account, resulting in a significant increase in M-DIN adoption by Bank Muamalat.
ANALISIS KESALAHAN SINTAKSIS DALAM BUKU TEKS BAHASA ARAB UNTUK PERGURUAN TINGGI KEAGAMAAN ISLAM Suharto, Toto; Fauzi, Ahmad
Arabiyat : Jurnal Pendidikan Bahasa Arab dan Kebahasaaraban Vol. 4 No. 1 (2017)
Publisher : Syarif Hidayatullah State Islamic University of Jakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/a.v4i1.5274

Abstract

This article described that textbooks used in higher education as a part of the standards of learning material. The learning material did not meet the national standards of higher education if universities did not have a learning material in the form of textbook. One important aspect in writing a textbook was its compliance with grammar. This article attempted to analyze the syntactic errors contained in the textbook, al-Mahir al-Istima fi Tatbiq wa al-Kalam, published by Center of Language Development at IAIN Surakarta. The forms of syntactic errors and the correction of the errors were the focuses of this research. This study used the error analysis. The research found  that a syntactic error found in the reading passages were eight forms of errors in isim isyarah (the most one), na‘at-man‘ut, fa‘il, isim maushul, jawab syarat, khabar, ‘athaf-ma‘thuf, and na’ib al-fa‘il. Lastly, this textbook was therefore recommended to be revised.
THE ERROR ANALYSIS OF ARABIC PRONUNCIATION OF STUDENTS CHOIR IN SINGING QASIDAH BUSYRA LANA Rifai, Muhammad; Suharto, Toto
Arabiyat : Jurnal Pendidikan Bahasa Arab dan Kebahasaaraban Vol. 7 No. 1 (2020)
Publisher : Syarif Hidayatullah State Islamic University of Jakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/a.v7i1.14629

Abstract

The article discusses the analysis of errors in the pronunciation of Arabic letters in members of the IAIN Surakarta’s PSM. This study describes: 1) the form of errors in the pronunciation of Arabic letters; and 2) factors causing the occurrence of pronunciation errors in Arabic letters. The method used is a descriptive qualitative method by analyzing the pronunciation errors in singing Qasidah songs. The research findings that 1) The form of pronunciation mistakes made on al-halaq (ع) mistakes made by respondents in the pronunciation of Arabic letters amounted to 6 errors. 2) Forms of pronunciation errors in al-lisan (ش، ض، ط، ص), pronunciation mistakes made amounted to 2-6 errors. Causes of errors or difficulties in pronouncing the letters al-halaq (throat) and al-lisan (tongue), among others: 1) The influence of mother tongue or first language. 2) Lack of reading practice. 3). There are still many members who aren’t graduated from Islamic boarding schools. These findings can be concluded the misreading of the Arabic letters in singing Qasidah, occurs due to the limitations of the IAIN Surakartas PSM members in pronouncing Arabic pronunciations and still being influenced by the mother tongue and limitations in adding material about pronunciation related to Arabic.
PENGARUH TABUNGAN WADIAH DAN GIRO WADIAH TERHADAP LABA BERSIH PADA BANK BJB SYARIAH PERIODE 2020-2022 Sholawati, Yuaffa; Suharto, Toto
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 5 No. 2 (2024): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v5i2.3560

Abstract

ABSTRACT This research was conducted to determine whether or not there is an effect of wadiah savings and wadiah demand deposits on net income at Bank BJB Syariah for the period 2020 - 2022. The type of research used in this study using quantitative research with secondary data and purposive sampling techniques. In this study, the sample data used was 36 months, the data were wadiah savings, wadiah current accounts and net profit of BJB Syariah bank for the period 2020 - 2022 which were sourced from the financial statement data of BJB Syariah bank. The data analysis technique used in this research is descriptive statistical test, classical assumption test, multiple linear regression test, determination coefficient test and hypothesis testing using SPSS Version 25. The results of this study indicate that the wadiah savings variable has a positive and significant effect on net profit with a positive regression coefficient value of 0.231. However, the wadiah current account variable has a negative and insignificant effect on net profit with a negative regression coefficient value of -0.231. negative regression coefficient value of -0.070. While there is positive and significant effect of the independent variable or both independent variables on net profit with a regression coefficient value of -0.070. independent variables on net income with a coefficient of determination of 0.761. ABSTRAK Penelitian ini dilakukan untuk mengetahui ada atau tidaknya pengaruh tabungan wadiah dan giro wadiah terhadap laba bersih pada Bank BJB Syariah periode 2020 – 2022. Jenis penelitian yang digunakan pada penelitian ini dengan menggunakan penelitian kuantitatif dengan data sekunder dan teknik pengambilan sampling secara purposive sampling. Dalam penelitian ini sampel data yang digunakan sebanyak 36 bulan, data tersebut yaitu tabungan wadiah, giro wadiah dan laba bersih bank BJB Syariah periode 2020 – 2022 yang bersumber dari data laporan keuangan bank BJB Syariah. Teknik analisis data yang digunakan penelitian ini adalah uji statistik deskriptif, uji asumsi klasik, uji regresi linear berganda, uji koefisien determinasi dan uji hipotesis dengan menggunakan SPSS Versi 25. Hasil dari penelitian ini menunjukan bahwa variabel tabungan wadiah berpengaruh positif dan signifikan terhadap laba bersih dengan nilai koefisien regresi bertanda positif sebesar 0,231. Namun pada variabel giro wadiah berpengaruh negatif dan tidak signifikan terhadap laba bersih dengan nilai koefisien regresi bertanda negatif sebesar -0,070. Sementara terdapat pengaruh positif dan signifikan dari variabel independen atau kedua variabel bebas terhadap laba bersih dengan nilai koefisien determinasi sebesar 0,761.
Al-Tahlīl fī Dirāsah Manhaj Tadrīs Mahārah al-Kalām fī Kitāb Ta’līm Aa-Lugah Al-‘Arabiyyah: Analysis of the Curriculum for Learning Speaking Skills in Arabic Learning Books Robbianto, Muhammad; Suharto, Toto; Qosim, Muhammad Nanang
Aphorisme: Journal of Arabic Language, Literature, and Education Vol. 4 No. 1 (2023): Geographical Coverage: Indonesia, Nigeria, and Mali
Publisher : Study Program of Arabic Language Teaching

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/aphorisme.v4i1.4355

Abstract

This research is to (1) describe the application of the curriculum for teaching speaking skills in the Arabic language teaching book for the second intermediate grade of the Indonesian Ministry of Religious Affairs in 2020. (2) to describe the advantages and disadvantages of the curriculum for teaching speaking skills in the Arabic language teaching book for the second intermediate grade. (3) knowing how to analyze the curriculum for teaching speaking skills in the book on teaching the Arabic language for the second intermediate grade. This research is based on descriptive analysis methods. This research indicates that the book's approach to teaching speaking skills includes four elements: objectives, content, teaching methods, and evaluation. Data collection techniques used in this research include the collection of data sources, data collection, data analysis, and interpretation of results. As a consequence of this study, the book's speaking skill teaching methodology consists of four components: objectives, content, teaching strategies, and evaluation. These are the outcomes of the examination of the book's speaking skills training method: that the information is acceptable based on the criteria of excellent content, the listening, speaking, reading, and writing abilities are presented in a good order, Data analysis techniques used in this research: Data limitations, data display, and conclusions, and the core and fundamental competencies meet the requirements of good competence. With a disclaimer that neither at the middle nor after the semester does this book assess speaking abilities due to its usage of an intermediate language.
IMPLEMENTASI QUALITY OF WORK LIFE DI SDIT MUHAMMADIYAH AL-KAUTSAR KARTASURA Purwanto; Suharto, Toto; Prahastiwi, Eka Danik
ELSE (Elementary School Education Journal) : Jurnal Pendidikan dan Pembelajaran Sekolah Dasar Vol 8 No 1 (2024): FEBRUARI
Publisher : UNIVERSITAS MUHAMMADIYAH SURABAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/else.v8i1.18692

Abstract

Keberhasilan pengelola dalam mewujudkan keinginan-keinginan individu SDM akan menjadi sarana setiap individu bekerja maksimal untuk mewujudkan tujuan lembaga. Tujuan penelitian ini adalah untuk mengetahui apa itu manajemen Quality of Work Life dan bagaimana implementasinya di SDIT Muhammadiyah Al-Kautsar Kartasura.. Metode yang digunakan adalah deskriptif kualitatif. Analisis deskriptif kualitatif adalah cara analisis yang cenderung menggunakan kata-kata untuk menggambarkan dan mejelaskan fenomena atau data yang diperoleh. Lokasi penelitian ini adalah di SDIT Muhammadiyah Al Kautsar. Metode dan teknik pengumpulan data menggunakan field research (studi lapangan). Metode pengumpulan data dengan cara dokumentasi, wawancara dan observasi lapangan. Data yang diperoleh dari sumber tersebut selanjutnya dianalisis secara kualitatif deskriptif. Quality of work life adalah usaha yang dilakukan pengelola lembaga dalam memenuhi segala keingingan dan kebutuhan karyawan supaya terus berkembang, loyal kepada lembaga dan mau dengan senang hati bekerja keras mencapai tujuan lembaga. Implemntasi kualitas kehidupan kerja di SDIT Muhammadiyah Al-Kautsar Kartasura adalah dengan memberikan berbagai fasilitas sebagai berikut: 1) Pengembangan kompetensi. 2) Penyelesaian konflik.  3) Komunikasi dengan baik. 4) Memberikan jaminan kesehatan kerja. 5) Mengatur keamanan kerja. 6) Kompensasi yang layak dan apresiasi.
PERAN STRATEGIS BANK SYARIAH DALAM MENGEMBANGKAN USAHA MIKRO KECIL MENENGAH: STUDI KASUS DI KABUPATEN DAN KOTA CIREBON Suharto, Toto
AKSELERASI: Jurnal Ilmiah Nasional Vol 6 No 1 (2024): AKSELERASI: JURNAL ILMIAH NASIONAL
Publisher : GoAcademica Research dan Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/jin.v6i1.908

Abstract

Penelitian deskriptif ini bertujuan untuk mengidentifikasi peran strategis, tantangan, dan menjelaskan kendala bagi bank syariah dalam melayani usaha mikro dan kecil kelas menengah di kota dan kabupaten. Peran strategis bank syariah dalam pengembangan UMKM terlihat dari kontribusinya dalam memberikan pembiayaan yang bertujuan untuk memperkuat permodalan UMKM sehingga dapat meningkatkan Manajemen dan pengembangan bisnis. Bank syariah menghadapi banyak tantangan dalam pengembangan UMKM. Salah satunya adalah keberadaan bank syariah yang masih dianggap sama dengan bank tradisional. Oleh karena itu, pelaku UMKM masih ragu atau enggan mengajukan pinjaman ke bank syariah. Selain itu, semakin banyak lembaga keuangan lain, seperti BMT dan koperasi syariah, yang dapat memberikan pembiayaan dengan prosedur cepat dan persyaratan sederhana. Ini adalah sesuatu yang tidak bisa dilakukan oleh bank syariah. Bank syariah dapat menerapkan berbagai strategi untuk meminimalisir hambatan yang dihadapi UMKM, terutama dalam hal akses permodalan. Sebab, UMKM bisa berkembang lebih baik jika diberikan kesempatan memperoleh pinjaman di bank syariah.
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.
Character Education Values in the Ashaabul Uhduud Story: An Analysis of Al-Buruj Verses 4-8 Ardiansyah, Ardiansyah; Suharto, Toto
Interdisciplinary Social Studies Vol. 1 No. 5 (2022): Special Issue
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/iss.v1i5.118

Abstract

Background: This article discusses the values of character education in the stories contained in Al-Qur'an surah Al-Buruuj verses 4-8. This study was motivated by the moral crisis of students in Indonesia associated with the lack of character education that refers to religious values, so researchers took a story in the Qur'an, namely the Ashaabul Ukhduud story contained in Al-Buruuj verse 4-8 for taking the values of character education, it is hoped that it can be a solution to the moral crisis experienced in this country. Aim: This study is intended to answer problems, namely what are the values of character education in the Ashaabul Uhduud story? This problem is discussed and answered through the Holy Qur'an and its interpretations which are the guidelines and explanations of Muslim scriptures. Method: Writing this thesis uses library research or library research. The method used is the tahlili method. The source of writing data is taken from books or materials that are relevant to the discussion of problems in writing this essay. The source of this research data is distinguished writing into two groups, the first is primary data sources originating from the Qur'an and interpretations then the second source is secondary data sources originating from sources/books that are still related to research problems. Findings: The values contained in Al-Buruj verses 4-8 are honesty, empathy, nationalism, tolerance, religion, discipline, courage, being a learner throughout life, and responsibility.
Integrasi Nilai-Nilai Islam dalam Praksis Manajemen Guru dan Self-Regulated Learning Siswa di MTs Muhammadiyah Blimbing '`Ainina, Mutanafisah Qurrotu; Soleh, Mad; Suharto, Toto; Muharom, Fauzi
Jurnal Pendidikan Madrasah Vol. 10 No. 2 (2025): Jurnal Pendidikan Madrasah
Publisher : Pusat Pengembangan Madrasah (PPM), dan Fakultas Ilmu Tarbiyah dan Keguruan UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jpm.2025.73-84

Abstract

This study examines the contribution of systematic classroom management and the integration of Islamic values to the development of self-regulated learning (SRL) in Madrasah Tsanawiyah students. The study was conducted using a qualitative approach based on literature review, enriched with semi-structured interviews with a teacher at MTs Muhammadiyah Blimbing in November 2025 to provide an empirical picture of field practices. The analysis results indicate that proactive classroom management—including the formulation of learning objectives, orderly transition arrangements, provision of formative feedback, and reflective closures support the development of forethought, monitoring, and self-evaluation processes in learning strategies. Islamic values such as amanah (trustworthiness), discipline, and muhasabah (self-reflection) strengthen autonomous motivation so that students understand the meaning of learning activities and feel responsible for their tasks. The integration of pedagogical structure and value orientation fosters SRL as a habitual learning practice. Practically, research recommends a structured classroom routine to strengthen autonomy while maintaining the spiritual identity of Islamic educational institutions.
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