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Driving Factors Behind the Issuance and Use of Islamic Credit Cards in Indonesia: The Role of Consumerism I Muhammad, Nurdin; Yetty, Yetty; Suar, Abi; Zainuddin, Zainuddin
Owner : Riset dan Jurnal Akuntansi Vol. 8 No. 4 (2024): Artikel Research Oktober 2024
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v8i4.2409

Abstract

The issuance of Sharia credit cards has sparked considerable debate within society. Critics argue that issuing credit cards through Islamic banks fosters a culture of consumerism and has the potential to increase non-performing financing ratios (Non-Performing Financing-NPF). Conversely, supporters assert that these credit cards facilitate transactions for Islamic bank customers. This research employs a mixed-method approach with a Sequential Exploratory design, characterized by the collection and analysis of quantitative data in the first stage, followed by the collection and analysis of qualitative data in the second stage. The data processing results indicate that both the issuance variable (X1) and usage variable (X2), independently and jointly, influence consumerism (Y). Moreover, public consumerism driven by the use of Sharia credit cards significantly impacts economic transaction behavior. The study concludes that the issuance and utilization of Sharia credit cards significantly affect consumer behavior, leading to increased consumerism.
ISLAMIC ECONOMIC CONCEPTS IN THE UMAYYAH, ABASSIYYAH, AND OTTOMAN EMPIRE BASED ON HISTORICAL APPROACHES Muhammad, Nurdin I; Yetty, Yetty; Suar, Abi
Asian Journal of Islamic Economic Studies Vol. 1 No. 1 (2024): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v1i01.3540

Abstract

The concept of Islamic economics has emerged since Islam was revealed through the Prophet Muhammad SAW which was then continued during the leadership of the khulafaur Rashidun. It was then that Islam began to influence the world. Islam experienced progress and setbacks, this also happened to the economy of its time, the progress of Islamic power achieved during the Abbasid period, and its collapse when it was attacked by the Mongols. This study uses historical methods using a descriptive qualitative approach. The purpose of this study is to determine the economic concept of the Umayyad, Abassiyyah, and Ottoman Turks based on a historical approach. The output of this research is that the Umayyads became the first government in Islam to implement a monarchiheridetic system or what is commonly called hereditary power. During his reign he was able to build a well-organized Muslim society as a conducive condition for his economy. The Abbasid dynasty, which was established from 750 AD - 1258 AD, at this time was called "The Golden Age" which means it reached the peak of glory, both in the fields of economy, civilization and power. During Al-Mahdi's reign, the country's economy began to increase by increasing the agricultural sector through irrigation and increasing mining output. Sulaiman Al Qanuni's leadership was the golden peak of Islam in the Ottoman Empire, he succeeded in carrying out laws based on Islamic law. In the economic field, at the peak of its progress, all important areas and cities that were centers of trade and economy fell into his hands.
Students’ Competence in Using Transitive and Intransitive Verbs in Simple Sentences Raitah Mansur, Zuhesty; Sutaryo, Sutaryo; Firmansyah, Firmansyah; Yetty, Yetty
ELS Journal on Interdisciplinary Studies in Humanities Vol. 8 No. 4 (2025): DECEMBER
Publisher : Hasanuddin University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34050/els-jish.v8i4.48715

Abstract

This study aims to investigate students’ competence in using transitive and intransitive verbs in simple English sentences and to identify the types of errors commonly made by students. A quantitative descriptive research design was employed, using multiple-choice and essay tests as research instruments. The participants were 30 third-semester students of Class A from the English Language Education Study Program, Khairun University. The findings revealed that the average student score was 69.17, which falls within the “Enough” or medium competence category. The results also indicated that students demonstrated better mastery of transitive verbs compared to intransitive verbs. The most frequent errors involved the use of inappropriate objects after intransitive verbs and confusion in distinguishing verbs that can function as both transitive and intransitive. A comparative analysis between the two test formats showed that students performed better in essay tests than in multiple-choice tests, with 63.3% of students achieving a “Very Good” category in applying verbs in contextual sentences. These findings highlight the need for focused instructional strategies to enhance grammatical competence, particularly in understanding and applying verb types accurately in sentence construction. The study contributes to the broader understanding of English grammar acquisition among EFL learners and provides insights for curriculum improvement in language education programs.
RESISTING THE OTHER: WOMEN’S EXISTENTIALISM AGAINST PATRIARCHAL CULTURE IN SELECTED DISNEY PRINCESS SONG LYRICS Muhajir, Fatimah; Tantri, Agra Liz; Yetty, Yetty
CaLLs (Journal of Culture, Arts, Literature, and Linguistics) Special Issue "SESANTI 2025"
Publisher : Fakultas Ilmu Budaya, Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/calls.v11i0.22712

Abstract

This study, “Resisting the Other: Women’s Existentialism Against Patriarchal Culture in Selected Disney Princess Soundtrack Lyrics”, examines existentialist feminist themes in three Disney Princess songs: “Reflection” (Mulan), “Speechless” (Aladdin), and “Touch the Sky” (Brave). Using Simone de Beauvoir’s concept of “the Other” in Feminist Existentialism, the research analyzes how the lyrics reflect women’s struggles against patriarchal culture by asserting identity, autonomy, and freedom. The findings reveal distinct forms of resistance in each song. “Reflection” portrays women’s rejection of objectification and their demand for self-definition against restrictive gender roles. “Speechless” emphasizes an outright refusal of patriarchal silencing, expressing determination to voice resistance and claim agency. “Touch the Sky” highlights the pursuit of individual liberty, underscoring women’s ability to transcend imposed roles and choose their own paths. Collectively, these songs construct narratives of empowerment that resist the relegation of women to “the Other.” They affirm existential freedom and authenticity as essential to women’s self-realization, illustrating how popular culture can serve as a medium of resistance. By foregrounding women’s voices, Disney Princess soundtracks not only reflect evolving portrayals of women but also contribute to wider discourses on gender equality and female agency in contemporary society.
Uji Hipotesis Hukum Okun dan Kurva Philips di Indonesia (Pendekatan Partial Adjustment Model) Sun’an, Muammil Sun’an; Husen, Amran; Yetty, Yetty
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1633

Abstract

Penelitian ini bertujuan untuk menguji keberlakuan Hukum Okun dan Kurva Phillips dalam konteks perekonomian Indonesia selama periode 2010–2019. Hukum Okun menjelaskan hubungan negatif antara pertumbuhan ekonomi dan tingkat pengangguran, sedangkan Kurva Phillips menggambarkan trade-off antara inflasi dan pengangguran. Penelitian ini menggunakan data time series sekunder yang dianalisis melalui pendekatan model dinamis, termasuk uji stasioneritas (ADF Test), uji kointegrasi (Engle-Granger), serta estimasi dengan model Penyesuaian Parsial (Partial Adjustment Model - PAM). Hasil penelitian menunjukkan bahwa data inflasi, pertumbuhan ekonomi, dan tingkat pengangguran di Indonesia bersifat stasioner pada derajat pertama dan memiliki hubungan kointegrasi, yang mengindikasikan adanya keseimbangan jangka panjang antar variabel. Estimasi dengan model PAM mengungkapkan bahwa pertumbuhan ekonomi berpengaruh negatif dan signifikan terhadap tingkat pengangguran terbuka, selaras dengan Hukum Okun. Sebaliknya, inflasi tidak menunjukkan pengaruh signifikan terhadap pengangguran dalam jangka pendek, meskipun hubungan jangka panjang tetap teridentifikasi. Temuan ini mengimplikasikan pentingnya peran pertumbuhan ekonomi dalam pengurangan pengangguran, sementara pengaruh inflasi terhadap pengangguran lebih bersifat jangka panjang dan perlu pengelolaan kebijakan makroekonomi yang seimbang. Penelitian ini memberikan landasan empiris bagi pembuat kebijakan fiskal dan moneter dalam merumuskan strategi pengendalian inflasi dan pengangguran secara simultan.
STUDENTS' COMPETENCE IN TRANSFORMING ACTIVE VOICE TO PASSIVE VOICE AT ENGLISH LANGUAGE EDUCATION STUDY PROGRAM OF KHAIRUN UNIVERSITY Jaya, Parwati; yetty, yetty; Ismail, Ade; Firmansyah, Firmansyah
Cakrawala Bahasa Vol 14, No 2 (2025): Edisi Oktober 2025
Publisher : FKIP Universitas Khairun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33387/j.cakra.v14i2.11217

Abstract

This study aims to investigate students’ competence in transforming active sentences into passive sentences and to identify the common errors frequently made in the process. A mixed-method approach, combining quantitative and qualitative methods, was employed in this research. The data were collected through a written test administered to 28 fourth-semester students from Class B of the English Language Education Study Program at Khairun University. The results revealed that the students’ average score was 51.25, which falls into the “poor” category. Furthermore, the analysis indicated several types of common errors made by students when transforming active sentences into passive ones. These include incorrect use of verb forms, tense formation errors, misuse or omission of prepositions such as “by”, and mistakes in placing agents or subjects within passive constructions. Among these, tense formation errors emerged as the most dominant problem, suggesting that many students lack a sufficient understanding of tense consistency when converting active sentences into passive forms. These highlight that students still lack a comprehensive understanding of the grammatical rules and syntactic structure involved in the process of transforming active sentences into passive ones. Therefore, mastery of passive transformation requires not only grammatical accuracy but also a deeper understanding of sentence logic and structure
Pengembangan Game Edukasi Dan Animasi Pembelajaran Dalam Upaya Meningkatkan Literasi Digital Guru Di Kabupaten Halmahera Barat Yetty, Yetty; Syarifuddin N Kapita; Firmansyah, Firmansyah; Nadia Idris; Hordi Glen Gogaho
Joong-Ki : Jurnal Pengabdian Masyarakat Vol. 5 No. 2: Februari 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/joongki.v5i2.14134

Abstract

Teknologi Informasi dan Komunikasi (TIK) saat ini berkembang begitu pesat dan menjangkau berbagai aspek kehidupan manusia. Di Indonesia, pemanfaatan TIK meningkat tajam, namun pada kenyataannya banyak siswa yang belum memanfaatkan penggunaan gawai pintar dan internet secara maksimal. Kebanyakan hanya digunakan siswa untuk bermain game online dan menonton berbagai video melalui youtube dan tiktok. Oleh karena itu, diperlukan kegiatan pengabdian kepada masyarakat yang bertujuan untuk meningkatkan kualitas dan kreatifitas guru untuk mengembangkan dan menerapkan game edukasi dan video/animasi pembelajaran yang lebih menarik dan mampu menggantikan game online yang selama ini banyak digunakan oleh siswa. Adapun uraian kegiatan yang telah dilaksanakan oleh tim PKM yaitu: (1) Melakukan sosialisasi kegiatan bersama mitra; (2) Melaksanakan penyuluhan terkait bahaya kecanduan game online kepada siswa; (3) melaksanakan pelatihan penggunaan game edukasi dan animasi pembelajaran (4) melaksanakan pendampingan penerapan teknologi berupa game edukasi dan animasi pembelajaran. Hasil kegiatan ini menunjukkan peningkatan yang signifikan terhadap kemampuan guru dalam menggunakan game edukasi dan animasi pembelajaran dalam proses belajar mengajar. Hal ini sejalan dengan pemahaman siswa terhadap bahaya kecanduan game online. Kegiatan ini diharapkan mampu memberi solusi kepada guru untuk lebih inovatif dalam memanfaatkan teknologi dalam proses belajar mengajar.