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All Journal Jurnal Ilmu Sosial dan Humaniora Ekuitas: Jurnal Pendidikan Ekonomi JURNAL PENELITIAN KEISLAMAN Transformasi: Jurnal Pengabdian Masyarakat Jurnal Istiqro' IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Jurnal Ilmiah Tata Sejuta STIA Mataram Journal of Enterprise and Development (JED) Ekuitas Jurnal Pnedidikan Ekonomi
Umu Rosyidah
Universitas Islam Negeri Mataram
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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MINAT MASYARAKAT BERINVESTASI EMAS PADA PEGADAIAN SHARI’AH DI LOMBOK Rosyidah, Umu
JURNAL PENELITIAN KEISLAMAN Vol 10, No 1 (2014): (Januari)
Publisher : LP2M IAIN Mataram

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

Abstract

During this time, pawnshop is one of a financial solution for the people who have financial problems in general, so as to the people in Lombok. However, there is a question about one of the form of the service of the pawnshop i.e. gold investment, is such investment product anxiously taken the interest of Lombok people especially in sharia pawnshop? Therefore this research is conducted to answer the question. This research applies quantitative approach with survey method, while in determining the samples, accidental sampling is selected and to gather primary data, questionnaire method is applied as well. In analyzing the data, the researcher applies inferential statistics non parametric. This research shows that, both in partially and simultaneously investment, investment risk and Islamic products have significant influence upon the interest of the people on gold investment in sharia pawnshop. This could be happened because of some possible factors, one of which is some dominant factors that influence the people to invest their money in gold such as profit possibilities, experiences – positive experiences (the intensity of obtaining profit) in gold transaction. Meanwhile sharia factors which free from riba, gharar, and though the bound to ideological thinking or religion is one of the factors that increases the interest of the people in gold investment in sharia pawnshop
INDEKS TOLERANSI ANTARUMAT BERAGAMA DI KABUPATEN LOMBOK TIMUR Tohri, Ahmad; Rasyad, Abdul; Sulaiman, Sulaiman; Rosyidah, Umu
Jurnal Ilmu Sosial dan Humaniora Vol 10, No 3 (2021)
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jish-undiksha.v10i3.38822

Abstract

Realitas toleransi sebagai fakta sosial tidak akan memadai apabila dipotret hanya dari satu sisi yang tidak mampu mengungkap makna di balik fakta, karena toleransi tidak hanya berdimensi emik, tetapi juga berdimensi etik. Artikel ini bertujuan untuk memaparkan dan menjelaskan indeks toleransi antarumat beragama di Kabupaten Lombok Timur menurut perspektif fakta sosial sesuai kondisi sekarang. Penelitian ini meggunakan pendekatan kuantitatif metode survey. Pengumpulan data menggunakan teknik angket tertutup dan teknik focus group discussion (FGD). Analisis data menggunakan metode statistik deskriptif dan teknik analisis domain. Indeks toleransi antarumat beragama di Kabupaten Lombok Timur secara keseluruhan termasuk kategori tinggi dengan skor rata-rata 3.79. Dari dimensi emik, toleransi antarumat beragama masyarakat Lombok Timur yang tinggi merupakan fakta sosial yang nyata. Perbedaan indeks toleransi antarumat beragama antara hasil survey Puslitbang Bimas Agama dan Layanan Keagamaan Badan Litbang dan Diklat Kementerian Agama pada tahun 2019 dengan hasil penelitian penulis, disebabkan oleh adanya redaksi pertanyaan atau pernyataan dalam angket yang menyinggung aspek-aspek ibadah (mengutamakan dimensi emik). Sedangkan pada penelitian yang penulis lakukan berusaha untuk menghindari pertanyaan atau pernyataan yang menjurus dan mengarahkan responden kepada pemahaman dan praktik ibadah masing-masing agama (menyeimbangkan dimensi emik dengan dimensi etik). Dari perspektif fakta sosial, hasil penelitian ini memotret lebih komprehensif tentang toleransi sebagai suatu realitas sosial yang dinamis, dipengaruhi oleh perkembangan zaman dan perubahan sosial, tidak hanya berdimensi emik, tetapi juga berdimensi etik. 
INDEKS TOLERANSI ANTARUMAT BERAGAMA DI KABUPATEN LOMBOK TIMUR Ahmad Tohri; Abdul Rasyad; Sulaiman Sulaiman; Umu Rosyidah
Jurnal Ilmu Sosial dan Humaniora Vol. 10 No. 3 (2021)
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jish-undiksha.v10i3.38822

Abstract

Realitas toleransi sebagai fakta sosial tidak akan memadai apabila dipotret hanya dari satu sisi yang tidak mampu mengungkap makna di balik fakta, karena toleransi tidak hanya berdimensi emik, tetapi juga berdimensi etik. Artikel ini bertujuan untuk memaparkan dan menjelaskan indeks toleransi antarumat beragama di Kabupaten Lombok Timur menurut perspektif fakta sosial sesuai kondisi sekarang. Penelitian ini meggunakan pendekatan kuantitatif metode survey. Pengumpulan data menggunakan teknik angket tertutup dan teknik focus group discussion (FGD). Analisis data menggunakan metode statistik deskriptif dan teknik analisis domain. Indeks toleransi antarumat beragama di Kabupaten Lombok Timur secara keseluruhan termasuk kategori tinggi dengan skor rata-rata 3.79. Dari dimensi emik, toleransi antarumat beragama masyarakat Lombok Timur yang tinggi merupakan fakta sosial yang nyata. Perbedaan indeks toleransi antarumat beragama antara hasil survey Puslitbang Bimas Agama dan Layanan Keagamaan Badan Litbang dan Diklat Kementerian Agama pada tahun 2019 dengan hasil penelitian penulis, disebabkan oleh adanya redaksi pertanyaan atau pernyataan dalam angket yang menyinggung aspek-aspek ibadah (mengutamakan dimensi emik). Sedangkan pada penelitian yang penulis lakukan berusaha untuk menghindari pertanyaan atau pernyataan yang menjurus dan mengarahkan responden kepada pemahaman dan praktik ibadah masing-masing agama (menyeimbangkan dimensi emik dengan dimensi etik). Dari perspektif fakta sosial, hasil penelitian ini memotret lebih komprehensif tentang toleransi sebagai suatu realitas sosial yang dinamis, dipengaruhi oleh perkembangan zaman dan perubahan sosial, tidak hanya berdimensi emik, tetapi juga berdimensi etik. 
Upgrading sistem pengelolaan keuangan desa berbasis standar akuntansi keuangan (SAK) di Desa Nyurlembang Narmada Lombok Barat Umu Rosyidah
Transformasi: Jurnal Pengabdian Masyarakat Vol. 14 No. 1 (2018): Transformasi Juni
Publisher : LP2M Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (266.85 KB) | DOI: 10.20414/transformasi.v14i1.573

Abstract

[Bahasa]: Pemerintah Desa sebagai pengelola dan pemangku kebijakan di desa harus dapat menyelenggarakan pengelolaan secara profesional, efektif, efisien, dan akuntabel. Pengelolaan juga harus didasarkan pada prinsip-prinsip manajemen publik yang baik agar terhindar dari tindakan yang kurang bermoral seperti penyimpangan, penggelapan, penyelewengan, dan tindakan korup lainnya. Pengelolaan keuangan meliputi kegiatan perencanaan, pelaksanaan, penatausahaan, pelaporan, dan pertanggungjawaban keuangan desa. Secara regulatif semua keuangan desa ini akan terdokumentasi dalam bentuk APBDes yang pengelolaannya mengikuti berbagai petunjuk peraturan perundang-undangan. Ini artinya, pemerintah desa tidak lagi sembarangan mengelola keuangan desa sekalipun otoritas sebagai kuasa pengguna anggaran dan pengguna anggaran ada pada seorang kepala desa. Pengabdian ini bertujuan untuk meningkatkan pengetahuan dan pelaksanaan pembinaan bagi kepala desa dan aparatnya sehingga dapat menambah referensi aparat tentang manajemen atau pengelolaan keuangan desa yang sesuai dengan peraturan yang berlaku yang berstandar akuntansi keuangan. Hasil pengabdian ini adalah pelatihan yang diberikan memberikan manfaat dan kontribusi bagi peningkatan pemahaman dan pengetahuan dalam manajemen pengelolaan dan pelaporan keuangan desa baik secara manual maupun dengan aplikasi TIK dengan aplikasi SIKUDes. Kata Kunci: Sistem Pengelolaan Desa, Standar Akuntansi Keuangan (SAK), SisKeuDes [English]: Administrative village as the manager and stakeholder in the village must be able to carry out management in a professional, effective, efficient and accountable manner. Management must also be based on the principles of good public management to avoid immoral actions such as irregularities, embezzlement, fraud, and other corrupt actions. Financial management includes activities in planning, implementing, administering, reporting, and responsible for village finance. Refering to the law, the finances will be documented in the form of APBDes whose management follows various legislative guidelines. This means that the village government is no longer carelessly managing village finance even though the authority as the power of budget users and budget users is with a village head. This community service program aims to increase the knowledge and implementation of guidance for the village head and his apparatus so that they can add apparatus references about village financial management or management in accordance with applicable regulations that have financial accounting standards. The result of this service is that the training provides benefits and contributes to the improvement of understanding and knowledge in village financial management and reporting management both manually and SIKUDes application. Keywords: Village Management System, Financial Accounting Standards (SAK), SisKeuDes
KONTRIBUSI MOTIF DAN KEYAKINAN NASABAH PADA PEMANTAPAN MINAT BERASURANSI SYARIAH DI LOMBOK umu rosyidah
IQTISHADUNA Vol. 11 No. 2 (2020): Iqtishaduna: Jurnal Ekonomi dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (392.166 KB) | DOI: 10.20414/iqtishaduna.v11i2.2545

Abstract

Saat ini perkembangan lembaga asuransi syari’ah di Lombok cukup menggembirakan. Penelitian ini ingin mengetahui tentang faktor psikologis yang merupakan faktor pendorong dari dalam diri nasabah yang dapat berkontribusi mempengaruhi minat nasabah untuk berasuransi syariah, yaitu motif rasional dan motif emosional. Selain itu ingin mengetahui apakah faktor keyakinan nasabah di Lombok yang mayoritas muslim mempunyai kontribusi yang paling dominan. Penelitian ini mengambil sampel sebanyak 100 responden dari nasabah 8 perusahaan asuransi syariah di Lombok. Tehnik penentuan sampel yang digunakan adalah non probability sampling dan pemilihan samplenya dilakukan secara accidental sampling. Teori yang dipakai untuk membedah pokok permasalahan yang ada adalah dengan menggunakan teori pengambilan keputusan. Hasil penelitian: secara parsial motif rasional dan motif emosional berkontribusi secara signifikan pada pemantapan minat berasuransi syariah dan keyakinan nasabah berkontribusi tidak signifikan. Akan tetapi secara simultan semua variabel berkontribusi sangat signifikan. Besaran kontribusinya yaitu 40,6 %. Yang paling dominan berkontribusi adalah variabel motif rasional.
Perilaku Konsumen Muslim di Lombok Berdasarkan Religiusitas dan Gaya Hidup Umu Rosyidah; Puji Handayati
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 10 No. 1 (2022)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v10i1.42783

Abstract

This paper is the result of research that aims to identify and analyze whether religiosity and lifestyle partially or simultaneously contribute to the influence of Muslim consumer attitudes in Lombok. The research results were processed by SPSS 20.0 testing. and the results both partially and simultaneously affect the behavior of Muslim consumers. And of the two variables, the more significant contribution to Muslim consumer behavior is the religiosity factor. It was found that at the level of religiosity most of the respondents stated their agreement on the elements that make up the dimensions of aqidah, shari'ah, religious knowledge, appreciation, and practice dimensions. This means that the consumer's decision to buy a product is in accordance with the content of their faith. Religious activities do not only occur when a person carries out rituals, but also when carrying out other activities such as buying and selling methods, consuming etc. For lifestyle variables, 78% of respondents reported their agreement on the main factors that make lifestyles, namely demographic factors such as education, age and total income that affect a person's lifestyle. Meanwhile, on psychographic factors, 91% of respondents agreed that psychographic factors such as interests, interests, hobbies and opinions affect a person's lifestyle. In this study, the determining variables in consumption activities are the consumption foundation and the consumption principle.
Perilaku Konsumen Muslim di Lombok Berdasarkan Religiusitas dan Gaya Hidup Umu Rosyidah; Puji Handayati
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 10 No. 1 (2022)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v10i1.42783

Abstract

This paper is the result of research that aims to identify and analyze whether religiosity and lifestyle partially or simultaneously contribute to the influence of Muslim consumer attitudes in Lombok. The research results were processed by SPSS 20.0 testing. and the results both partially and simultaneously affect the behavior of Muslim consumers. And of the two variables, the more significant contribution to Muslim consumer behavior is the religiosity factor. It was found that at the level of religiosity most of the respondents stated their agreement on the elements that make up the dimensions of aqidah, shari'ah, religious knowledge, appreciation, and practice dimensions. This means that the consumer's decision to buy a product is in accordance with the content of their faith. Religious activities do not only occur when a person carries out rituals, but also when carrying out other activities such as buying and selling methods, consuming etc. For lifestyle variables, 78% of respondents reported their agreement on the main factors that make lifestyles, namely demographic factors such as education, age and total income that affect a person's lifestyle. Meanwhile, on psychographic factors, 91% of respondents agreed that psychographic factors such as interests, interests, hobbies and opinions affect a person's lifestyle. In this study, the determining variables in consumption activities are the consumption foundation and the consumption principle.
Analisis Pengaruh Tunjangan Kinerja (TUKIN) dan Pemanfaatan Tekhologi Informasi Terhadap Kinerja Individual Pegawai (Studi Kasus pada Pegawai IAIN Mataram yang Memperoleh Tukin) Rosyidah, Umu
Jurnal Ilmiah Tata Sejuta STIA Mataram Vol 2 No 1 (2016): JURNAL ILMIAH Tata Sejuta STIA Mataram
Publisher : Pusat Penelitian dan Pengabdian pada Masyarakat Sekolah Tinggi Ilmu Administrasi (STIA) Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32666/tatasejuta.v2i1.161

Abstract

Tunjangan kinerja diberikan kepada pegawai setiap bulan selain penghasilan yang berhak diterima menurut peraturan perundang-undangan, yang dihitung berdasarkan kehadiran kerja dan capaian kinerja individu sesuai dengan kelas jabatannya.
The role of behavioral bias on financial decision making: a systematic literature review and future research agenda Rosyidah, Umu; Pratikto, Heri
Journal of Enterprise and Development (JED) Vol. 4 No. 1 (2022): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v4i1.5102

Abstract

Purpose — This paper aims to analyze current research trends, identify theoretical perspectives, and identify research topics of behavioral bias in financial decision-making in the future.Research method — To perform bibliometric analysis, this article uses a systematic literature review, as well as content analysis. This article uses a total of 51 publications between 2018 and 2022 as the sample for the literature review, directed by PRISMA. The tool used in analyzing bibliometrics is VOSviewer. Meanwhile, content analysis is conducted to build theoretical perspectives and proposed future research agendas.Result — This systematic review explains the number of articles per year, most influential articles, leading journals, leading countries, leading authors, important keywords, and research cluster networks. Besides, this article also discovers seven behavioral biases that can be analyzed to gain a theoretical perspective on behavioral bias. The seven behavioral biases are Heuristic Bias, Self-Attribution Bias, Framing Bias, Herding Bias, Aversion Bias, Disposition Effect, and Overconfidence Bias,. In the scientific mapping analysis, important keywords are obtained, and the author's research cluster network is to discover topics that rarely researched to be offered in future research.Recommendation/significance/contribution — In contrast to previous studies of behavioral bias, which were dominated by survey-based research, this paper provides a different reference by using a systematic literature review method that provides coverage of the main research issues and theoretical arguments about behavioral bias in financial decisions. In addition, this paper offers new ideas about potential research fields by identifying studies in developing countries that are still rarely carried out compared to developed countries.
Digitalization and internationalization of SMEs: A Systematic Literature Review Rosyidah, Umu; Sudarmiatin, Sudarmiatin; Sumarsono, Hadi
Journal of Enterprise and Development (JED) Vol. 5 No. 3 (2023): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v5i3.7196

Abstract

Purpose — The objective of this study is to evaluate the prevailing trends in publications and investigate the literature derived from multiple studies concerning the impact of digitalization on SMEs and their internationalization process.Method — We employ the Systematic Literature Review (SLR) methodology to identify and consolidate publication trends from various articles. The literature utilized in this study is sourced from the Scopus database. By referring to the PRISMA chart, a total of 33 literature works were selected for analysis using VOSviewer. In this research, we utilize bibliometric analysis to examine article trends and employ content analysis to assess the literature.Result — We discovered that there were 19 keywords representing the latest and seldom explored themes among researchers, which were organized into 5 clusters for further analysis within a research framework. Moreover, we identified new and infrequently studied themes such as effectuation, international performance, digital transformation, digital technologies, and export performance. Additionally, we uncovered novel research topics that have the potential to inspire future studies in related areas.Contribution — This study contributes by examining literature on digitalization and internationalization, identifying research trends and proposing future directions, especially for SMEs in Southeast Asian countries. It also introduces the rarely-used Systematic Literature Review (SLR) approach to examine the role of digitalization in internationalization, challenging the dominance of quantitative methods in prior research.
Co-Authors Abdul Rasyad Ahmad Tohri Cakranegara, Pandu Adi Hadi Sumarsono Heri Pratikto Ilham Fahmi, Ilham Puji Handayati Sudarmiatin Sulaiman Sulaiman Sulaiman Sulaiman