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Analisis Faktor-Faktor Yang Mempengaruhi Kredit Bermasalah Di Bank BRI Unit Gumilir Cilacap Zamroni, Zamroni
JURNAL EKONOMI Vol. 5 No. 1 (2014): Jurnal Ekonomi - Februari 2014
Publisher : JURNAL EKONOMI

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Abstract

The purpose of this study to Analyst Factors that Effect Problem Loan in Bank Rakyat Indonesia Unit Gumilir Cilacap.. Innfluence Credit (5C) partially composed of Character (X1), Capacity (X2), Capital (X3), Collateral (X4), Condition of Economy (X5) against Smoothness Payments (Y) Installment Customers Bank Rakyat Indonesia Unit Cilacap, proving the influence Prerequisites Credits (Character, Capacity, Capital, Collateral, Conditions of Economy) simultaneously on the smoothness of Payments Installment of Customer in Bank BRI Unit Cilacap and prove variable (Character, Capacity, Capital, Collateral, Conditions of Economy) in which the most significant effect on the Payment Smoothness Installment of Customer in Bank BRI Unit Gumilir Cilacap..The study population is the Customer in Bank BRI Unit Gumilir Cilacap which amounts to 60 people. Sampling technique used sampling saturated. Collecting data using questionnaires designed using level Likert scale 1-5. Data analysis using SPSS structural model.The test results prove 1). Character (X1) partially significant effect on the smoothness of Payments (Y) Installment of Customer in Bank BRI unit Gumilir Cilacap with great influence 25.3%. 2). Capacity (X2) significant effect partially to the smoothness of Payments (Y) Installment of Customer in Bank Rakyat Indonesia Unit Gumilir Cilacap employee performance with great influence 26.7%. 3). Capital (X3) but not significant effect partially on Smoothness Payments (Y) Installment of Customer in Bank BRI Unit Gumilir Cilacap (1.1%). 4). Collateral (X4) significant effect partially to the smoothness of Payments (Y) Installment of Customer in Bank BRI Unit Gumilir against the influence of 27.5%. 5). Condition of Economy (X5) but not significant effect partially on Smoothness Payments (Y) Installment of Customer in Bank BRI Unit Gumilir Cilacap (0.7%). 6). Prerequisites Credit (5C) but not significant effect simultaneously on the smoothness of Payments (Y) Installment of Customer in Bank BRI Unit Gumulir Cilacap.Keywords:Character, Capital, Collateral, Capacity, Conditions of economy
PENGARUH DISIPLIN KERJA DAN GAYA KEPEMIMPINAN TERHADAP KEPUASAN KERJA KARYAWAN PADA PT. WOM FINANCE CILACAP Zamroni, Zamroni
JURNAL EKONOMI Vol. 5 No. 2 (2015): Jurnal Ekonomi - Agustus 2015
Publisher : JURNAL EKONOMI

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Abstract

Penelitian ini dilakukan untuk menguji pengaruh disiplin kerja dan gaya kepemimpinan terhadap kepuasan kerja karyawan baik secara simultan maupun parsial, dan untuk menguji variabel yang bepengaruh paling dominan terhadap kepuasan kerja karyawan pada Wom Finance Cilacap. Teknik analisis data yang digunakan adalah análisis faktor dan analisis regresi linier berganda. Hasil analisis menunjukkan bahwa variabel disiplin kerja dan gaya kepemimpinan berpengaruh signifikan secara simultan dan parsial terhadap kepuasan karyawan. Variabel gaya kepemimpinan menjadi variabel yang berpengaruh paling dominan terhadap kepuasan karyawan karena berdasarkan perhitungan analisis Standardized Coefficients Beta memiliki nilai terbesar.Kata kunci: disiplin kerja, gaya kepemimpinan, kepuasan kerja karyawanABSTRACTThis research were done, in order to determined the effect of the work discipline, leadership styles, and to the employee satisfaction either simultant or partial, to determine the most dominant variable that influenced the employee satisfaction in Wom Finance Cilacap. The technique that used is factor analysis and multiple regression analysis. The result of the analysis showed that the variables of the work discipline, leadership styles, has a significant communication simultan and also partial on the employee satisfaction. The leadership styles variable, became the most dominant variable that affected the employee satisfaction because based on the analysis calculation the Standardized Coefficients Beta has the greatest value.Keywords: work discipline, leadership styles employee satisfaction.
Prevalensi Stres Akademik Mahasiswa Zamroni, Zamroni
Psikoislamika : Jurnal Psikologi dan Psikologi Islam Vol 12, No 2 (2015)
Publisher : Fakultas Psikologi Universitas Islam Negeri Maulana Malik Ibrahim

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (3099.943 KB) | DOI: 10.18860/psi.v12i2.6404

Abstract

Penelitian ini bertujuan untuk mengetahui dan menggambarkan prevalensi stres akademik mahasiswa di Universitas Islam Negeri (UIN) Maulana Malik Ibrahim Malang. Desain penelitian ini termasuk penelitian deskriptif dengan sampel penelitian sejumlah 390 mahasiswa semester pertama dari 13 jurusan yang berbeda. Instrumen penelitian diadaptasikan dari Educational Stress Scale. Hasil penelitian menunjukkan bahwa prevalensi stres akademik secara keseluruhan mencapai 16,2% kategori tinggi dan 70,5% kategori sedang. Selain itu, pervalensi tertinggi pada tiap-tiap jurusan meliputi Jurusan Pendidikan Agama Islam (36,7%), Jurusan Al-Ahwal al-Syakhsiyah (30%), Jurusan Fisika (26,6%), Jurusan Farmasi, (23,3%) dan Jurusan Manajemen (23,3%). Prevalensi ini berkorelasi dengan jurusan yang dipilih, serta memiliki perbedaan secara signifikan pada masing-masing jurusan. Sebagai saran, perlu pelayanan bimbingan dan konseling di perguruan tinggi dalam mencegah dan mengatasi stres akademik mahasiswa.
"Cognition Without Affection" : Refleksi Program Akselerasi di Madrasah Nuqul, Fathul Lubabin; Zamroni, Zamroni; Rahmawati, Oktalia; Pranata, Dwi Candra
Psikoislamika : Jurnal Psikologi dan Psikologi Islam Vol 10, No 2 (2013)
Publisher : Fakultas Psikologi Universitas Islam Negeri Maulana Malik Ibrahim

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (4694.404 KB) | DOI: 10.18860/psi.v10i2.6365

Abstract

Undang-Undang Rl Nomor 20 Tahun 2003 Bab IV pasal 5 tentang Sistem Pendidikan Nasional mengamanatkan bahwa "warga negara yang memiliki potensi kecerdasan dan bakat istimewa berhak memperoleh pendidikan layanan khusus." Untuk menjalankan amanat Undang-Undang tersebut, Direktorat Jenderal Pendidikan Dasar dan Menengah mengeluarkan Pedoman Penyelenggaraan Program Percepatan Belajar bagi siswa SD, SMP dan SMA yang cerdas dan berbakat istimewa. Tak ketinggalan Madrasah yang merupakan jenjang pendidikan di bawah naungan Kemenntrian Agama Rl, berlomba untuk menyelenggarakan program akselerasi untuk anak cerdas berbakat. Dalam dua tahun terakhir di Jawa Timur telah terjadi peningkatan sisi kuantitas madrasah penyelenggara, yang mencapai 36 madrasah penyelenggara Akselerasi. Dari telaah peneliti pada 2 MTsN dan 3 MAN penyelenggara program akselerasi menunjukkan ada beberapa problem: Pertama pada perekrutan, madrasah penyelenggara program akselerasi kurang bisa mengundang calon siswa secara luas. Kedua, adanya problem SDM yang mumpuni. Ketiga, kurangnya kesadaran akan kebutuhan psikologis siswa akselerasi. Solusi yang bisa diajukan adalah; Pertama, perlu adanya upaya sosialisasi yang sistemik tentang kualitas dan kapasitas madrasah sebagai penyelenggara program akselerasi sehingga masyarakat akan percaya untuk menitipkan anaknya di madrasah. Kedua, meningkatkan SDM yang komplit, selain bisa mengajar juga bisa mendidik serta mempunyai kapasitas psikologis pribadi yang mumpuni. Ketiga, madrasah menyiapkan program untuk meningkatkan kemampuan emosional, spiritual dan sosial anak, untuk mengimbangi potensi kognitifnya. Madrasah sebenarnya mempunyai ciri sendiri yang tidak dipunyai oleh model pendidikan yang lain, yaitu kompetensi spiritual emosional siswa yang baik. Demikian juga dalam program akselerasi, seharusnya madrasah mampu mewarnai dengan ciri yang lebih baik yaitu kombinasi pendidikan yang berorientasi kognitif juga pada peningkatan kapasitas emosional dan spiritual.
Sikap Mahasiswa Terhadap Denominasi dan Redenominasi Rupiah Zamroni, Zamroni
Psikoislamika : Jurnal Psikologi dan Psikologi Islam Vol 14, No 2 (2017)
Publisher : Fakultas Psikologi Universitas Islam Negeri Maulana Malik Ibrahim

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2052.346 KB) | DOI: 10.18860/psi.v14i2.6510

Abstract

The purpose of this study was to describe college student attitudes (positives or negatives) to denomination and redenomination issues of Rupiah. Study conducted by combining survey and thought experiment methods on 70 college students with 4 cases as treatment materials and 4 attitude scales as respon measurements which were valid and reliable. Result revealed that college students 89% would like to choose the smaller denomination, 57% respons negatively to negative effects of denomination, 20% respons negatively to the weakness of Rupiah competitiveness, and 24% respons positively to the redenomination of Rupiah. Weakness of Rupiah on the foreign currency impacts to the low collective self-esteem of Indonesian college students.
Pengaruh Motivasi dan Locus of control Terhadap Minat Entrepreneur Pada Mahasiswa STIEM Cilacap Zamroni, Zamroni
JURNAL EKONOMI Vol. 6 No. 2 (2016): Jurnal Ekonomi - Agustus 2016
Publisher : JURNAL EKONOMI

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Abstract

This study aims to examine and analyze the effect of motivation and locus of control on the entrepreneurial interest of students of STIE Muhammadiyah Cilacap.The sample in this study were students of STIE Muhammadiyah Cilacap totaling 50 respondents using interval data. This type of research was survey research using questionnaires, tests, interviews. In writing this thesis, the author will use two data sources consisting of primary and secondary data sources. Data analysis techniques used in the study using validity, reliability, classical assumption test, multiple linear regression analysis, hypothesis testing and determination test. The results showed X1 has a significant effect on entrepreneurial interest, X2 has a significant effect on entrepreneurial interest, X3 has a significant effect on interest entrepreneurship. X1, X2, simultaneously have a significant effect on interest in entrepreneurship with a contribution of 35.9%, while the remaining 64.1% is influenced by other factors not examined. Keywords: Motivation, Locus Of Control, and Entrepreneurial Interest.
PENGARUH PERSEPSI KUALITAS DAN KEPUASAN KONSUMEN TERHADAP PEMBELIAN ULANG GAS 12 KG DI CILACAP Zamroni, Zamroni
JURNAL EKONOMI Vol. 7 No. 2 (2017): Jurnal Ekonomi - Agustus 2017
Publisher : JURNAL EKONOMI

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Abstract

The high interest in repurchasing reflects the level of customer satisfaction when deciding to adopt a product. The decision to adopt a product arises after consumers try the product and then there is a feeling of like or dislike of the product. Love for products can be taken if consumers have a perception that the product they choose is of good quality and can meet or even exceed the wishes and expectations of consumers. In addition, customer satisfaction is also considered because it will affect the interest in repurchasing.In other words, products that have good quality and can create customer satisfaction will have a high value in the eyes of consumers. The high interest in buying will have a positive impact on the success of products on the market.The type of research conducted is qualitative by using a sample of 30 people. The research method is by surveying and interviewing users of 12 kg LPG products for 3 months of use so that a representative research result can be obtained.Keyword:, customer satisfaction, service quality, repurchase interestAbstrakMinat beli ulang yang tinggi mencerminkan tingkat kepuasan konsumen ketika memutuskan untuk mengadopsi suatu produk. Keputusan untuk mengadopsi produk timbul setelah konsumen mencoba produk tersebut dan kemudian timbul rasa suka atau tidak suka terhadap produk. Rasa suka terhadap produk dapat diambil bila konsumen mempunyai persepsi bahwa produk yang mereka pilih berkualitas baik dan dapat memenuhi atau bahkan melebihi keinginan dan harapan konsumen.Selain itu kepuasan konsumen juga diperhatikan karena akan berpengaruh terhadap minat beli ulang.Dengan kata lain produk yang memiliki kualitas baik dan bisa menciptakan kepuasan konsumen akan mempunyai nilai yang tinggi di mata konsumen. Tingginya minat membeli ini akan membawa dampak yang positif terhadap keberhasilan produk di pasar.Jenis penelitian yang dilakukan bersifat kualitatif dengan menggunakan sampel 30 orang. Metode penelitian dengan survey dan wawancara pengguna produk LPG 12 kg selama penggunaan 3 bulan sehingga bias diperoleh hasil penelitian yang representative.Keyword : , kepuasan konsumen, kualitas pelayanan, minat beli ulang
Contesting Sacred Architecture: Politics of ‘Nation-State’ in the Battles of Mosques in Java Fawaid, Achmad; Zamroni, Zamroni; Baharun, Hasan
QIJIS Vol 7, No 1 (2019)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/qijis.v7i1.4365

Abstract

This study aims to figure out a ‘political’ contestation of sacred mosques in Java and the ways the Javanese respond to the global architecture of the Middle Eastern Islam. By using a historical narrative method, this article describes a fact that some ‘sacred’ architectures which shaped from the national mosques became a site of battles between the modern Islamic and traditional Javanese worldviews and explores the continuum debate over architecture, culture, and power of Islam in Java through various events since the fifteenth until today. This study, finally, results in the issues related to not merely the almost unsolved dispute over modern and traditional architectures, between pan-Islamic modernists and Javanese traditionalists, but most importantly, the past stories and silent ideology behind the building of these mosques, and by doing so, it also questions our primordial understanding of nation-state.
PERAN BANK SYARIAH DALAM PENYALURAN DANA BAGI USAHA MIKRO KECIL DAN MENENGAH (UMKM) Zamroni, Zamroni
IQTISHADIA Vol 6, No 2 (2013): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v6i2.1112

Abstract

Tulisan ini membahas tentang peranan lembaga perbankan syariah dalam  rangka  mendukung  perekonomian  Indonesia. Besarnya porsi pembiayaan yang disalurkan ke sektor Usaha Mikro Kecil dan Menengah  (UMKM) memberikan  bukti komitmen  bank syariah  terhadap  pemberdayaan   ekonomi   rakyat.  Penelitian ini menggunakan   pendekatan kualitatif    deskriptif.  Dalam menganalisis  data, peneliti  menggunakan  metode triangulasi, triangulasi data dengan teori dan membandingkan data diamati dengan  wawancara.  Hasil penelitian  ini menunjukkan  bahwa pembiayaan   syariah diarahkan menuju pembiayaan  dengan prinsip bagi hasil yang menekankan  pola hubungan  kemitraan antara pihak bank dan nasabah. Prinsip bagi  hasil  dapat dilakukan dalam empat akad, yaitu mudharabah,  musyarakah, muzara’ah, dan musaqah.Kata kunci: pembiayaan, bank, pemberdayaanTHE ROLE OF SHARIA BANKING IN MSMEs FINANCE. This article discusses about the role of Islamic banking institution  to support Indonesian economy. The financial portions transmitted to the micro business sector (Small and Medium Enterprises MSMEs) proves   the  commitment    of  shari’ah   banking   in  economic empowerment. This study applies descriptive-qualitative approach. Data are analyzed through triangulation method, comparing data with theory, and the result of interview. Result of this study shows that syariah finance is conducted in accordance with the principle of profit sharing emphasizing on bank and customer’s partnership. Profit sharing may be conducted in four agreements: mudharabah, musyarakah, muzara’ah and musaqah.Keywords: finance, bank, empowerment
Balanced Scorecard: A Strategy for the Quality Improvement of Islamic Higher Education Ilyasin, Mukhammad; Zamroni, Zamroni
Dinamika Ilmu: Jurnal Pendidikan Dinamika Ilmu Vol 17 No 2, December 2017
Publisher : IAIN Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (454.096 KB) | DOI: 10.21093/di.v17i2.703

Abstract

The main issue in improving the quality of Islamic Higher Education is to increase the competence and professionalism of teachers and education personnel to achieve its vision and mission in the middle of the complexity of the demands of society and the changing times. so that the quality of education and governance of Islamic Religion clean and transparent with the principles of good governance is achieved as a matter of strategic policy development, the concept of the balanced scorecard as a strategic management system that is implemented by a world-class organization and even as a means of guiding and driving the change management process and the culture of the organization, in this case integrated in educational organization in order to create Islamic institutions of higher education quality. Through the balanced scorecard, which focuses on four perspectives, namely financial perspective, customer perspective, internal business perspective and learning and growth perspective is expected to create a system of organizing the Islamic Higher Education that upholds the values of trust, tafaqquh fi 'l-Din, professional, transparent, accountable and quality. Through balanced scorecard Similarly, Islamic higher education will be more qualified, marketable and globally competitive.
Co-Authors Abdul Wahid Achmad Fawaid, Achmad Achmad Febrianto Adibah, Almas Dwi Adriano Adriano, Adriano Agung Pramono, Agung Ahmad Heru Romadhon Aini, Farida Nurul Akmal Mundiri Alamsyah, Muh. Nur Alfani, Lalu Ahmad Zainuddin Amir Amir Andriesgo, Johan Anggraini, Helda Yusfarina Anhar Anhar Anita Handayani Aprianto, Sigit aristya, septian Asiah Asiah Atun, Eli Nafi Badrus Syamsi Badrut Tamam Bagas Mukti Nasrowi Baharun, Hasan Bali, Muhammad Mushfi El Iq Basri Basri Budianti, Eni Budiyono Budiyono Chomariah, Chomariah Darnawi Darnawi Dasri, Maria Fontaine Devy Probowati Dewi, Innaya Rahmania Dewi, Yuriska Kurnia Dicky Firmansyah Diniy Hidayatur Rahman Djoko Heru Pamungkas Driska Arnanto Edi Istiyono Eka Fani Rohmawati Ernawati Ernawati Esih Jayanti Faizzatul Jannah Fajar Rachmad Dwi Miarsa Fathor Rozi Fathul Lubabin Nuqul Firmansyah, Ahmad Fitri, Dinda Aulia Gumilang, Randi Muhammad Habib Anwar Al Anshori Habibi, Rab’ul Hadi, Ainun Feroza Halidi, Halidi Hamdi, Liwaul Hamsir Hamsir Hanaya, Rizky Risa Hanifatur Rodiyah Haqqi, Firhan Aimareno Ilzam Hasanah, Kusmiyatun Hefniy, Hefniy Herly Janet Lesilolo Hermawan Susanto, Hermawan Ifah Khoirunnikmah Imam Junaris Imam Sujadi Imanisa Roudlotul Jannah Intitsal, Amiratul Fadilah Irawati, Ratrining Raras Istikharoh, Ummu Juhairiah, Juhairiah Junaris, Imam Khalif Oktifan Yani Khojir Khuriyah . Kindy, Aulia Kirana, Ratih Kristamtini Kristamtini, Kristamtini Kukut, Julianus James Kurniawati, Oktavia Wahyu Kusmiyatun Hasanah Kusumawati, Tri Mei La Raman Laelita, Dwi Respati Larasati, Peny Lasadara, Lasadara Latifah, Endah Nur Latifatus Saleha Lishapsari Prihatini Lubis, Muhammad Rifai Lukman Sholeh Lumaurridlo, Lumaurridlo Maemunah Maizura, Nining Mardiana, Farida Mardianto Mardianto Maria Theresia Darini Marianti, Sri Marniati Kadir Marzukoh, Tutik Moh Sabran Sabran Moh. Anas Moh. Rofiki Muadin, Akhmad Muafin, Siti Akhlis Muali, Chusnul Mufid, Akhmad Musyafa Muhamad Fajri, Muhamad MUHAMMAD ALI Muhammad Fajri Muhammad Khairul Rijal Muhammad Mushfi El Iq Bali Muhammad Nur Muhammad Ridho Muttaqin Muhammad Solekhin Muhsin Muhsin Mukhamad Ilyasin Murti, Suryo Wisnu Muslihati Nasiah, Siti Nathania, Jovita Nikhmatul Ummah Nuha, Moch. Syihabudin Nur Kholis Nurul Hidayati Okhtafia, Eka Sinta Pranata, Dwi Candra Qamariah, Sa’da Rachmawan, Faizal Alief Raharjo, Artono Rahmawati, Oktalia Riduan Riduan, Riduan Rini Eka Lestari Rokaiyah, Siti Romadhona, Nurrizky Rusini, Rusini Sadara, La Saiful Anwar Santoso, Ajis Sesmiyati, Sesmiyati Sholikha, Nisa’ Ayuna Siti Nasiah Soetojo Soetojo Sofiyah, Khullatus Sri Nurhayati Sri Widata Suharman Suharman, Suharman Sumarno . Sunaryo Hardjowijoto Sunaryo, Yacobus Susilaningsih, Sri Endah Prasetyowati Sutarno, Sutarno` Suyata Suyata Syah, Susilo Romadon taufikin, taufikin Tauk, Arnoldus Fikardi Turiono, Turiono Ubak, Arilla Ainda Ulum, Risma Anisa Zahrotul Umiarso Umiarso Utami, Relawati Margi Tri Wahibur Rokhman Wahidatus Sholeha Widi, Citra Ayu Rahmaning Wirathama, Ronaldo Yasin, Alwyn Yuliana Anggraini Yuriska Kurnia Dewi Zulfadhli, Gian Agha Zulkifli Zulkifli