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All Journal Pendidikan Bahasa Inggris EXPOSURE JOURNAL Management Analysis Journal Jurnal Kesmas dan Gizi (JKG) SCAFFOLDING: Jurnal Pendidikan Islam dan Multikulturalisme Indonesian Journal for Social Responsibility Community Development Journal: Jurnal Pengabdian Masyarakat Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JIMEBIS Journal of Islamic Economics Wadiah : Jurnal Perbankan Syariah JEELS (Journal of English Education and Linguistics Studies) International Journal of Educational Research Excellence (IJERE) JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Jurnal Pendidikan Progresif Falahiya Amaluna: Jurnal Pengabdian Masyarakat
Ratna Yunita
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mechanical Engineering Public Health Social Sciences Other

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An Analysis of the implementation of the s-claim application system in the context of the implementation of BPJS claim standards in Charitas Belitang hospital in 2024 Yunita, Ratna; Kasim, Felix; Ate Ginting, Keleng
JURNAL KESMAS DAN GIZI (JKG) Vol. 7 No. 1 (2024): Jurnal Kesmas dan Gizi (JKG)
Publisher : Fakultas Kesehatan Masyarakat Institut Kesehatan Medistra Lubuk Pakam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35451/jkg.v7i1.2254

Abstract

Background: The S-claim application is an application designed by the ICT team of Charitas hospital palembang to be used by the internal Charitas hospital group. This S-claim application is used by the service unit and the internal verifier of the casemix team at the hospital to make it easier to verify the completeness of the patient's file based on his diagnosis before being claimed to BPJS Kesehatan Objectives: to make efforts to improve the completeness of the claim file on the S-claim Application so that it is effective and efficient. Research method: This type of research is qualitative descriptive with data collection methods of interviews, observations and FGDs on 30 informants. Results: Based on the results of the study, it is known that the cause of the delay in BPJS Kesehatan claims is based on the input factor of the number of human resources that are not in accordance with the Job description, based on mathematical factors, namely incomplete hospitalization claim files such as medical resumes. Based on the Process factor, it is a Form Checklist of the completeness of the s-claim file that has not been running optimally in the authorized units.
The Influence of Capital and Online Marketing Strategies on MSME’s Development in Madiun City Putri, Sedinadia; Yunita, Ratna
Journal of Islamic Economics (JoIE) Vol. 3 No. 2 (2023)
Publisher : Prodi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/joie.v3i2.7547

Abstract

Introduction: The Micro, Small, and Medium Enterprises Group (UMKM) in Madiun City is a facility for MSME actors with a business license. The goal of this MSME group is for their efforts to achieve maximum development results. However, the MSME group's business in Madiun City still needs to develop. This can be seen from the addition of capital and the use of technology in a marketing strategy that does not make the business being run develop. Based on these problems, this study aims to test and analyze whether capital and online marketing strategies positively affect the development of MSMEs in the MSME Group in Madiun City. Research Methods: The type of research used is quantitative research with a population of 300 and a sample of 75 respondents. This study uses the Probability Sampling technique of Simple Random Sampling and data collection methods using a questionnaire/questionnaire. Statistical data analysis technique using SPSS 16.0. This research uses validity, reliability, descriptive analysis, classical assumption test, t-test, f-test, multiple linear regression, and coefficient of determination. Result: The results of this study indicate that (1) capital has a positive and significant effect on the development of MSMEs in the MSME group in Madiun City, (2) online marketing strategies have a positive and significant effect on the development of MSMEs in the MSME group in Madiun City, (3) capital and strategies Online marketing simultaneously has a positive and significant effect on the development of MSMEs in the MSME group in Madiun City. Conclusion: Based on the results of hypothesis testing, it can be concluded that the capital variable and online marketing strategy simultaneously (together) have a positive and significant effect on the development of MSMEs in the MSME group in Madiun City.
MITIGASI RISIKO PEMBIAYAAN KREDIT USAHA RAKYAT (KUR) DI BANK SYARIAH INDONESIA (BSI) KANTOR CABANG PEMBANTU (KCP) JOMBANG PLOSO DALAM MEWUJUDKAN PEMBIAYAAN YANG SEHAT Muhammad Miftahul Huda; Ratna Yunita
Falahiya: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v1i2.1114

Abstract

Abstract: As an effort to minimize the existence of problematic KUR financing, Bank Syariah Indonesia KCP implements risk mitigation. However, in implementing risk mitigation, KUR financing has not been effective, as evidenced by the existence of problematic financing in the KUR financing. The purpose of the study was to determine risk mitigation during the KUR financing procedure, to find out the mitigation of the causes of problematic KUR financing, and the solutions taken in dealing with problematic KUR financing. This study uses a qualitative approach with data collection through interviews and observations. Based on the results of the study, it was concluded that the risk mitigation of KUR financing procedures carried out by Bank Syariah Indonesia KCP Jombang Ploso was in the form of rating methods, financing portfolio management, collateral, cash flow monitoring, recovery management and insurance. Mitigation of risks to the causes of financing problems by training micro staff and providing rescheduling options. Meanwhile, the solution taken by Bank Syariah Indonesia KCP Jombang Ploso for KUR financing is problematic with rescheduling and execution. Keywords: Risk Mitigation, People's Business Credit, Financing Risk. Abstrak: Sebagai upaya dalam meminamilisir adanya pembiayaan KUR bermasalah, Bank Syariah Indonesia KCP melakukan penerapan mitigasi risiko. Tetapi, dalam melakukan penerapan mitigasi risiko pembiayaan KUR belum efektif, dibuktikan dengan adanya pembiayaan yang bermasalah pada pembiayaan KUR tersebut. Tujuan dari penelitian adalah untuk mengetahui mitigasi risiko pada saat prosedur pembiayaan KUR, mengetahui mitigasi terhadap penyebab pembiayaan KUR bermasalah, dan solusi yang diambil dalam menangani pembiayaan KUR yang bermasalah. Penelitian ini menggunakan pendekatan kualitatif dengan Pengumpulan data melalui wawancara dan observasi. Berdasarkan hasil penelitian disimpulkan bahwa mitigasi risiko terhadap prosedur pembiayaan KUR yang dilakukan oleh Bank Syariah Indonesia KCP Jombang Ploso berupa metode pemeringkatan, manajemen portofolio pembiayaan, agunan, pengawasan arus kas, manajemen pemulihan dan asuransi. Mitigasi risiko terhadap penyebab pembiayaan bermasalah dengan pelatihan micro staff dan pemberian opsi rescheduling. Sedangkan solusi yang diambil oleh Bank Syariah Indonesia KCP Jombang Ploso terhadap pembiayaan KUR yang bermasalah dengan rescheduling dan eksekusi. Kata Kunci: Mitigasi Risiko, Kredit Usaha Rakyat, Resiko Pembiayaan.
Pengenalan Media Pemasaran Online Bersama Pemudi pada Usaha Anyaman di Desa Gundik, Slahung, Ponorogo Hofifah, Siti; Yunita, Ratna
Amaluna: Jurnal Pengabdian Masyarakat Vol. 1 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/amaluna.v1i1.773

Abstract

Now, information technology is growing rapidly in all fields, including business. Information technology has many benefits, for instance, in marketing activities. Product marketing can utilize information technology such as social media (Instagram) and e-commerce (Shopee). By utilizing social media and e-commerce, the products marketed will be known to the wider community. Marketing is one of the keys to success in maintaining the running of the business and competing with manufacturers of similar products. Woven crafts in Gundik Village, Slahung, Ponorogo are small and medium-sized enterprises. Marketing of these woven craft products is still limited to the surrounding Ponorogo area and is marketed through shops and word of mouth. Therefore, the sales in this business are still small, and many people do not know about this woven craft product yet. Besides, there are many people around this business, for example, the youth community, who have a lot of free time. This community service aims to develop the marketing of the woven craft business and provide knowledge about online marketing media to the youth community so that their daily activities are more productive and they make good use of their free time. The method used in this service was the Asset-based Community Development (ABCD) approach by introducing Instagram social media and e-commerce as product marketing media. As a result, this community service, which focuses on introducing online marketing media to develop the woven craft business and youth community during the introduction process and after the introduction process, has a positive impact.
Artificial intelligence in English writing: Ethical integration and educators’ perspectives Yunita, Ratna; Fitrianna, Nurma; Maulana, Nashrul Ingqidam
JEELS (Journal of English Education and Linguistics Studies) Vol. 12 No. 2 (2025): JEELS November 2025
Publisher : Universitas Islam Negeri (UIN) Syekh Wasil, Kediri, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/jeels.v12i2.5250

Abstract

The rapid integration of AI-assisted writing tools in English language education has transformed instructional practices while raising unresolved ethical concerns related to academic integrity, student autonomy, and fairness. The research aims to explore lecturers' views regarding the application of AI in writing courses, especially concerning academic integrity, student autonomy, and fairness. Collecting data from 30 English lecturers of Islamic higher educations in Indonesia, this study examines the ethical implications of the AI-assisted writing tools’ integration in English language instruction. Using a qualitative approach, data were collected through open-ended questionnaires and analyzed thematically using NVivo software. Descriptive statistics such as percentages were used to support the presentation of qualitative themes. The results suggest that numerous lecturers recognize the advances of AI tools such as real-time feedback, improved writing accuracy, and increased efficiency concerns persist about excessive dependence on AI, erosion of critical thinking skills, and algorithmic bias. The study also reveals a lack of institutional guidelines to support ethical AI integration. The study recommends the need for a transformative approach to AI integration that moves beyond technical adoption toward ethically informed pedagogy, institutional policy reform, and the cultivation of lecturers’ and students’ critical AI literacy in higher education writing contexts.
Developing English Teaching Material of Reading Comprehension For Islamic Students At MTS SKB 3 Menteri Bingkat Yunita, Ratna; Risnawaty
International Journal of Educational Research Excellence (IJERE) Vol. 5 No. 1 (2026): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijere.v5i1.1623

Abstract

According to Bryman’s model, the research procedure involves several systematic stages: (1) identifying theoretical foundations, (2) formulating hypotheses, (3) designing the research, (4) operationalizing variables, (5) collecting data, (6) quantitatively analyzing data, (7) drawing conclusions, and (8) revising or confirming theoretical implications. These steps guided the development and validation of the discovery-learning model throughout the study. Data were collected through reading comprehension tests, expert validation, and student response questionnaires. The pre-test total score was 1,200, while the post-test total score increased to 2,270, indicating a significant improvement in students’ reading comprehension achievement. Statistical analysis confirmed that Discovery Learning significantly improved students’ ability to identify main ideas, infer meanings, and comprehend textual details. Validation by material experts indicated that the developed product was valid, effective, and practical for classroom implementation. The students’ responses also reflected positive perceptions of the learning process, particularly in terms of motivation and engagement.  Based on the findings, it can be concluded that the Discovery Learning-based reading comprehension model developed through the quantitative R Therefore, it is recommended that English teachers apply this model to enhance students’ analytical and interpretive reading skills. The researcher used a classroom action research (C.A.R) that was conducted in two cycles in which every cycle consisted of four meetings; this study used a qualitative approach. The location of this research was eighth-grade students of MTs SKB 3 Menteri Bingkat, with a total of 28 students
ISLAMIC BANKING STUDENTS' NEEDS FOR EAP ONLINE LEARNING IN INDONESIA Yunita, Ratna
EXPOSURE : JURNAL PENDIDIKAN BAHASA INGGRIS Vol. 11 No. 1 (2022): Exposure
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/exposure.v11i1.7645

Abstract

This study aimed at investigating Islamic Banking students' needs for English for Academic Purposes (EAP) online learning in Indonesia. This research method was a descriptive survey expecting to discover the target and learning needs related to online learning. This study used a questionnaire distributed three distinctive times to 572 students of the Islamic Banking department at the State Institute for Islamic Studies (IAIN) of Ponorogo from 2020 to 2021. The observation was also used to support the data. The results discovered students' preference on the platforms used to support online learning, whether it was a virtual tool to replace in-person teaching or the learning management system, the effective duration of virtual meetings, language used and learning activities in the teaching and learning process. The reasons for students’ preferences and some students' inputs to the EAP online learning were also revealed. The needs analysis research may provide a basis for innovative online EAP course design and help prepare and deliver EAP online learning.
Strengthening the Uniqueness of Islamic Boarding Schools in Local Traditional Education in the Applicative Transformation of Multicultural Education Yunita, Ratna; Soenjoto, Wening Purbatin Palupi; Nurhidayati, Maulida; Rahmawati, Rizqi
Scaffolding: Jurnal Pendidikan Islam dan Multikulturalisme Vol. 4 No. 2 (2022): Pendidikan Islam dan Multikulturalisme
Publisher : Institut Agama Islam Sunan Giri (INSURI) Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/scaffolding.v4i2.1542

Abstract

Islamic boarding schools, commonly known as pesantren, which have been established for a long time, require consistent teaching patterns and must face new problems that arise in adapting, such as the current technological era, without losing the uniqueness or distinctiveness of Islamic boarding schools as their character. Islamic boarding school is a place for deeper religious learning and is believed to bring blessings to students who study religion there. This study continues two previous studies on Islamic boarding schools and multicultural education in Islamic boarding schools by focusing more on the conditions of Islamic boarding schools, which are starting to lose their uniqueness due to the adaptation of government policies, the influence of technology, and responses to the development of demands for students whose diversity changes all the time. This study used a qualitative descriptive method with a phenomenological approach to solve problems and achieve research objectives. Data collection techniques were carried out through direct observation and in-depth interviews. The data obtained were then analyzed by the triangulation technique. The study results indicate that Islamic boarding schools face internal and external conflicts to maintain their existence in the era of technological change. Islamic boarding schools try not to change their uniqueness but face external demands as they accommodate students from different cultures, regions, languages, and even other countries who study religion. Even Islamic boarding schools cannot adapt to government regulations in determining policies for developing Islamic boarding schools in Indonesia.
Pengaruh Fitur BSI Mobile Dan Kemudahan Bertransaksi Terhadap Kepuasan Nasabah Di BSI Kc Madiun Agus Salim Khotijah, Dewi; Yunita, Ratna
WADIAH Vol. 8 No. 1 (2024): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v8i1.565

Abstract

This research was conducted to analyze how the influence of mobile BSI features and the ease of transactions on customer satisfaction at BSI KC Madiun Agus Salim. The data in this study were collected by distributing questionnaires and the data was processed using SPSS 21 software with multiple linear regression analysis tests. The samples taken were 100 respondents with probability sampling technique. The results of the analysis show that the mobile BSI feature (X1) and ease of transaction (X2) have a positive and significant effect on customer satisfaction partially or simultaneously. Other results show that the variable that greatly influences customer satisfaction at BSI KC Madiun Agus Salim is the BSI mobile feature variable, meaning that the better the BSI mobile feature service is presented, the level of customer satisfaction is also increasing. Thus, companies must always strive to improve and bring innovative features to BSI mobile. Keywords: BSI Mobile Features, Ease of Transactions, and Customer Satisfaction
Bridging the Affective-Linguistic Gap: A Mixed-Methods Exploration of AI-Assisted Speaking Practice and Willingness to Communicate Yunita, Ratna; Febrilyantri, Candra; Hayasaki, Aya; Ni’am, Muh Imdaadun
Jurnal Pendidikan Progresif Vol 15, No 4 (2025): Jurnal Pendidikan Progresif
Publisher : FKIP Universitas Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/jpp.v15i4.pp2760-2780

Abstract

Bridging the Affective-Linguistic Gap: A Mixed-Methods Exploration of AI-Assisted Speaking Practice and Willingness to Communicate. Objectives: This study examined the effectiveness of AI-assisted learning in enhancing students’ Willingness to Communicate (WTC) and speaking proficiency in an Indonesian higher education context. It also explored students’ perceptions of AI-based tools' support for communicative confidence and readiness during speaking practice. Methods: A convergent mixed-methods design was employed with 60 undergraduate students enrolled in a Business English course. The experimental group received six AI-assisted speaking sessions (100 minutes each) using the SmallTalk2Me platform, while the control group received conventional instruction. WTC and speaking proficiency were measured using parallel pre- and post-tests, and qualitative data were collected through open-ended reflection surveys. Quantitative data were analyzed using descriptive statistics and two-way mixed ANOVA, and qualitative data were analyzed thematically. Findings: Quantitative results showed a significant main effect of time, indicating that students in both groups improved their speaking proficiency and communicative readiness across the semester. However, neither the group effect nor the interaction effect reached significance, suggesting that AI-assisted practice did not produce statistically greater gains than conventional teaching. Qualitative findings, however, revealed perceived affective benefits among AI users, including reduced speaking anxiety, increased confidence, and appreciation of a low-pressure practice environment with instant feedback and opportunities for repetition. Some students also reported challenges, including occasional misrecognition in AI feedback, dependence on stable internet access, and interactions that felt less natural than human communication. Conclusion: The findings indicate that AI-assisted learning did not yield statistically greater gains in speaking proficiency or WTC than conventional instruction. Although qualitative data suggest that some learners perceived changes in their affective experiences during AI-assisted speaking practice, these perceived advantages did not translate into statistically superior outcomes. Overall, the results indicate that the pedagogical impact of AI-assisted learning remains limited within the scope of the present study. Keywords: AI-assisted learning, higher education, language learning, speaking proficiency, willingness to communicate.
Co-Authors -, Tiara Widya Antikasari - Arief Yulianto Ate Ginting, Keleng Bambang Edi Suwito Danny Irawan Fajarwati, Riska Indah Febrilyantri, Candra Felix Kasim Hayasaki, Aya Hofifah, Siti Khotijah, Dewi Maulana, Nashrul Ingqidam Muhammad Miftahul Huda Muhammad Zulhilmi Muhammad, Akbar Reza Ni’am, Muh Imdaadun Nurhidayati, Maulida Nurma Fitrianna Nurma Fitrianna, Nurma Putri, Sedinadia Rahayu Wulaning P.S Rahmawati, Rizqi Rina Desiana Risnawaty Rizqi Rahmawati Shintia Wulandari Soenjoto, Wening Purbatin Palupi Soleha, Umdatus