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A Comparison of Muslim Millennial Students' Religiousity at Islamic and Non-Faith Based Universities Leis Suzanawaty; Muniaty Aisyah; Umiyati Umiyati
TARBIYA: Journal of Education in Muslim Society TARBIYA: JOURNAL OF EDUCATION IN MUSLIM SOCIETY | VOL. 8 NO. 1 2021
Publisher : Faculty of Educational Sciences, Syarif Hidayatullah State Islamic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/tjems.v8i1.19210

Abstract

AbstractThe purpose of this study was to assess the influence of learning in a higher education institution and the type of institution, on the religiosity of Muslim Millennial students in Indonesia. In this study, religiosity is defined using an Islamic theoretical framework and divided into two sub-variables: hablumminallah and hablumminannas behavior, which serve as dependent variables hablumminallah behavior also serve as an intervening variable. Thus, this work used the Structural Equation Modeling technique using 292 samples to analyze direct and indirect influences. The findings indicated that higher educational institutions directly affect the habluminallah behavior, but not on the habluminannas behavior. While this has an indirect effect on hablumminannas behavior, it is mediated by hablumminallah behavior. It suggests that the level of students' hablumminallah behavior, which is high, makes the higher educational institutions potentially affect the students' hablumminannas too. Moreover, this study used the One-way Anova test to determine whether there are differences in the socio-religious milieu and student religiosity of Islamic and non-faith-based universities. The findings indicate that religious facilities are superior in non-faith-based universities to those in Islamic universities, whereas Islamic subject professors' roles and management support are identical. , there is no difference in the behavior of hablumminallah and hablumminannas students. This shows that if a university provides adequate religious facilities, both Islamic and non-faith-based universities will encourage students' religiosity similarly. AbstrakPenelitian ini bertujuan menganalisis pengaruh perguruan tinggi terhadap religiusitas mahasiswa muslim milenial di Indonesia. Penelitian ini menggunakan kerangka teori dengan pendekatan Islami dimana religiusitas terbentuk dari dua sub variabel yaitu perilaku habluminallah dan hablumminannas sebagai variabel terikat, dimana perilaku hablumminallah juga sebagai variabel antara. Karenanya, untuk dapat menganalisis pengaruh langsung dan tidak langsung, penelitian ini menggunakan teknik Structural Equation Modelling dengan 292 sampel. data. Hasilnya menunjukkan bahwa secara langsung, perguruan tinggi hanya mempengaruhi perilaku habumminallah mahasiswa, namun tidak perilaku hablumminannasnya. Sedangkan secara tidak langsung, perguruan tinggi mampu mempengaruhi perilaku hablumminannas mahasiswanya yang dimediasi oleh perilaku hablumminallahnya. Hal ini mengindikasikan bahwa perilaku hablumminallah mahasiswa yang tinggi, menjadikan perguruan tinggi berpotensi mempengaruhi perilaku hablumminanas mahasiswanya pula. Penelitian ini juga melakukan uji One-way Anova untuk menganalisis apakah terdapat perbedaan kondisi sosial keagamaan di lingkungan kampus dan perilaku religius mahasiswa di universitas Islam dengan di universitas Umum. Hasilnya menunjukkan bahwa fasilitas keagamaan di universitas Umum lebih tinggi dibandingkan universitas Islam. Yang mengejutkan, tidak terdapat perbedaan perilaku habluminallah maupun hablumminannas antara mahasiswa universitas Islam dengan Umum. Hal ini mengimplikasin bahwa, jika fasilitas keagamaan di lingkungan universitas memadai, maka baik universitas Islam maupun Umum akan efektif mempengaruhi religiusitas mahasiswanya.How to Cite: Suzanawaty, L., Aisyah, M., Umiyati. (2021). A Comparison of Muslim Millennial Students' Religiousity at Islamic and Non-Faith Based Universities. TARBIYA: Journal of Education in Muslim Society, 8(1), 44-56. doi:10.15408/tjems.v8i1.19210.
The Mudharabah Savings Demand among the Member of Islamic Financial Service Cooperatives in Bogor Muniaty Aisyah; U. Umiyati
IQTISHADIA Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.3179

Abstract

The Islamic Financial Service Cooperative or Baitul Maal wa Tamwil (BMT) is potential to become an effective economic driving forcefor micro and small businesses in Indonesia due to its ability to raise public funds. Nevertheless, BMT experiences many obstacles, one of which in marketing. It needs a better understanding of its member behavior that could predict the demand of its products and services. This research aimed to examine the members’ demand on Mudharabah savings of BMT in Bogor, by using the multiple linear regression analysis. The finding shows that the service quality does not influence the members’ decision to use Mudharabah savings because the services provided by BMT are below of members’ expectation, thus, they need to enhance their service quality. This research sheds the light on some strategies in order to improve service quality of BMT in Indonesia.
Comparison Of Bankruptcy Risk Of Sharia General Bank In Asia Putri Acebeli; Umiyati Umiyati
Agregat: Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2020)
Publisher : Universitas Muhammadiyah Prof. DR HAMKA.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/agregat_vol4/is2pp186-199

Abstract

This study is aims to compare the risk of bankruptcy in the Islamic Comercial Bank in Asia. The sample used in this study is five Islamic Commercial Bank in five countries in the Asian continent in 2014-2018. The method used in measuring bankruptcy rates is the Altman z score bankruptcy analysis. Tests conducted in this study are the normality test and the different test with the Kruskal-Wallis tests followed by the Mann Whitney Post Hoc Test. This study indicates this study indicate that the average z score that measures the level of the bankruptcy of Islamic Commercial Bank in Asia is worth 6.6 points. This value shows that Islamic banks in Asia are included in a healthy companies and far from the risk of bankruptcy. Based on Kruskal Wallis Nonparametric Test indicates that there are significant differences from the level of the bankruptcy of Islamic Commercial Bank in Asia with a value of ρ value 0.00 <Significance Value (α = 0.05).
FINANCING DISTRIBUTION, FINANCING TO DEPOSIT RATIO (FDR) AND NON PERFORMING FINANCING (NPF) ON PROFITABILITY OF THE ISLAMIC RURAL BANKS IN BANTEN PROVINCE Nailul Mubarokah; Umiyati Umiyati
Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2020): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v8i2.197

Abstract

This study aims to determine empirical evidence about the effect of profit sharing financing, sale and purchase financing, FDR and NPF on the profitability (ROA) of Islamic Rural Banks (BPRS) in Banten Province. The type of data in this study is secondary data using panel data. The research object was five Islamic Rural Banks in Banten Province and research period from the first quarter to the fourth quarter of 2013-2019. The research sample was selected using purposive sampling technique. The analysis method used is Panel Data Regression Analysis with Eviews 10 software. The results obtained in this study indicate that there is no significant influence between the Profit Sharing variable on Profitability (ROA) partially. Sale and Purchase Financing, FDR, and NPF variables partially have a significant effect on profitability (ROA). Simultaneously, Profit Sharing, Sale and Purchase Financing, FDR, and NPF have a significant effect on Profitability (ROA).
Faktor-Faktor Yang Mempengaruhi Pembiayaan Pada Bank Umum Syariah Devisa Di Indonesia Umiyati Umiyati; Leni Tantri Ana
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 5, No 1 (2017): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v5i1.165

Abstract

ABSTRAK. Penelitian ini bertujuan untuk menganalisis pengaruh variabel Dana Pihak Ketiga (DPK), Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) dan Inflasi Terhadap Pembiayaan Pada Bank Umum Syariah Devisa di Indonesia. Data yang digunakan dalam penelitian ini adalah data Triwulan dari Maret 2011 sampai Desember 2015. Teknik sampling yang digunakan dalam penelitian ini adalah purposive sampling dengan menggunakan alat analisis regresi linier berganda menggunakan program SPSSversi 20 dan Microsoft Excel 2016. Hasil penelitian menunjukkan secara parsial bahwa Return on Asset (ROA), Performing Financing (NPF) dan Inflasi tidak berpengaruh signifikan terhadap Pembiayaan. Sedangkan Dana Pihak Ketiga (DPK) dan Financing to Deposit Ratio (FDR) berpengaruh signifikan terhadap Pembiayaan. Hasil lainnya menunjukkan nilai Adjusted R Square sebesar 91,3% yang berarti secara simultan menunjukkan bahwa Jumlah Pembiayaan pada Bank Umum Syariah Devisa dipengaruhi oleh Dana Pihak Ketiga (DPK), Financing toDeposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) dan Inflasi Sedangkan sisanya sebesar 8,7% dipengaruhi oleh variabel lain di luar model.Kata kunci: Pembiayaan, Dana Pihak Ketiga (DPK), Financing to DepositRatio (FDR), Return On Asset (ROA), Non PerformingFinancing (NPF) dan InflasiABSTRACT. This research aim to analyze the effect of the third-party funds, Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) and Inflation against the total of fund at Syariah Banking foreign exchange in Indonesian. The data for assessing this research are acquired quarterly data from March 2011 to December 2015. Technical sampling used in this research is purposive sampling and used multiple linier regression method. Data processing in this research uses SPSS software 20.0 and Microsoft Excel 2016. The results of theanalysis indicated that partially, Return on Asset(ROA), Non Performing Financing (NPF) and Inflation has no significant affect to funds. The third-party funds and Financing to Deposit Ratio (FDR) are significant to funds.The amount of the adjust Rsquare is 91,3%. Simultaneously the third-party funds, Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) and Inflation have significant affect. While the remaining amount of 8,7% influenced by other factorsthat are not included in the study variables.Keywords: The Total of fund, the third-party funds, Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) and Inflation
Local Economics Empowerment and Sharia Microfinance in Rural Community Perception Umiyati Umiyati
Shirkah: Journal of Economics and Business Vol 2, No 1 (2017)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (300.735 KB) | DOI: 10.22515/shirkah.v2i1.25

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This paper proposes to analyze and gain empirical evidences of the rural community perception on sharia micro finance institution to empower local economics at Margoyoso-Pati District Central Java, Indonesia. The data were gathered with survey method and questionnaire. The analysis technique in use is multiple linear regressions. The findings of the paper shows significant evidences on constructed research hypothesis, namely the products of Sharia Micro Finance Institution and the its services affecting the rural community perception on the sharia one, whereas on parametrically (t statistic test) and simultaneous (F statistic test). It shows better rural community knowledge and understanding on offered products from the Sharia Micro Finance Institution and their services quality; the two variables will simultaneously and parametrically affect rural community perception on Sharia Micro Finance Institution to empower local economics.Keywords: economic empowerment, service quality, rural community perception, sharia micro finance         
Sharia Compliance, Islamic Corporate Governance dan Non Performing Financing Terhadap Pengungkapan Fraud Bank Umum Syariah Mifthahul Ridha; Umiyati Umiyati
Jurnal Akuntansi dan Governance Vol 3, No 1 (2022): Jurnal Akuntansi dan Governance
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/jago.3.1.1-16

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This study aims to analyze the effect of sharia compliance, Islamic corporate governance, and non-performing financing on the disclosure of fraud in Islamic commercial banks in Indonesia. With quantitative approach this study analyzes data population in the form of Islamic Commercial Banks in Indonesia using purposive sampling method. Data were obtained from the annual financial statements and GCG reports during 2017-2020 and were analyzed using the panel data regression method. The results of this study indicate that the Islamic Income Ratio (IsIR) and Profit-Sharing Ratio (PSR) have significant effects on the disclosure of fraud in Islamic Commercial Banks. While Zakat Performing Ratio (ZPR), Islamic Corporate Governance, and Non-Performing Financing (NPF) do not significantly affect the disclosure of fraud in Islamic Commercial Banks.
PENGARUH MOTIVASI KERJA DAN DUKUNGAN ORGANISASI TERHADAP KOMITMEN ORGANISASI DAN DAMPAKNYA PADA KINERJA KARYAWAN (Studi Kasus Bank Syariah Indonesia Kantor Cabang Jakarta Fatmawati) Naufal Muhammad Thufail; Umiyati Umiyati
KREATIF : Jurnal Ilmiah Prodi Manajemen Universitas Pamulang Vol 10, No 2 (2022): KREATIF
Publisher : Prodi Manajemen Fakultas Ekonomi Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/jk.v10i2.y2022.p224-234

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Riset ini berguna untuk mengetahui hubungan motivasi kerja dan dukungan organisasi terhadapkomitmen organisasi dan dampaknya kepada kinerja karyawan Bank Syariah Indonesia KCJakarta Fatmawati. Dalam penelitian ini penulis menentukan sampel dengan memanfaatkanteknik sampel jenuh terhadap 32 orang karyawan. Dalam riset penulis menggunakan teknikanalisis data yaitu analisis jalur (path analysis) dengan bantuan software SPSS 25. Hasilpenelitian menunjukkan bahwa 1) terdapat pengaruh langsung motivasi kerja, dukunganorganisasi terhadap komitmen organisasi dan dampaknya pada kinerja karyawan 2) terdapatpengaruh tidak langsung motivasi kerja, dukungan organisasi terhadap komitmen organisasidan dampaknya pada kinerja karyawan. Berdasar kepada uji sobel di dapatkan hasil komitmenorganisasi ialah variabel mediasi dari variabel motivasi kerja dan dukungan organisasi terhadapkinerja karyawan.
Kinerja Keuangan Dan Tingkat Bagi Hasil Deposito Mudharabah Pada Bank Umum Syariah Di Indonesia Umiyati Umiyati; Shella Muthya Syarif
Jurnal Akuntansi dan Keuangan Islam Vol 4, No 1 (2016)
Publisher : SEKOLAH TINGGI EKONOMI ISLAM SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35836/jakis.v4i1.29

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This research aims to analyze the effect of Return On Asset (ROA), Capital Adequacy Ratio (CAR) and BOPO to the level of profit sharing mudharaba deposits Islamic Banks in Indonesia's period January 2011 – June 2015. The data used in this study are monthly data from January 2011 to June 2015. Technical sampling used in this research is purposive sampling, with a sample of 12 Islamic Banks recorded in data from Bank Indonesia. This study uses a computer program SPSS version 20.0 and Microsoft Excel 2007. The result in this research showed that Return On Asset (ROA) and Capital Adequacy Ratio (CAR) partially have significant effect on the level of profit sharing mudharaba deposits While the partial BOPO haven’t significant effect of the level of profit sharing mudharaba deposits Simultaneously, Return On Asset (ROA), Capital Adequacy Ratio (CAR) and BOPO had significant effect on the level of profit sharing mudharaba deposits The results also show that variable Return On Asset (ROA) the most dominant on the level of profit sharing mudharaba deposits with the value β of -0,273, and a significance value smaller than 0,05 (0,000 0, 05).
Pengukuran Kinerja Bank Syariah dengan Metode RGEC Umiyati Umiyati; Queenindya Permata Faly
Jurnal Akuntansi dan Keuangan Islam Vol 3, No 2 (2015)
Publisher : SEKOLAH TINGGI EKONOMI ISLAM SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35836/jakis.v3i2.36

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This research is on purpose to discover any significant differences on Panin SyariahBank work performance before and after go public using the RGEC Method, and alsoto find out how large the difference performance of it. Data used in this research was asecondary data which took from financial report quarterly era 2013-2014 that hasbeen published. Meanwhile, that method used was a comparison method usingstatistic non parametric test equipment two related samples (wilcoxon test). The resultin this research shows that variable of capital adequacy ratio (CAR) had a significantdifference, because of having a sig. value 0,05. While other variable (l.e. NonPerforming Financing (NPF), Financing to Deposit Ratio (FDR), Return On Asset(ROA), Return On Equity (ROE), Net Interest Margin (NIM) or Net OperatingMargin (NOM), and Good Corporate Governance
Co-Authors Abira, Lathifah Annisa Dzahabiyah Asep Rudi Nurjaman Asmaini, Nur Azharine, Safa Nabila B Santoso Baiquni, Muhammad Danis Baiquni, Muhammad Danis Balqis, Siti Rania Choirunnisa, Silvya Fahrul Rizal, Fahrul Faly, Queenindya Permata Faly, Queenindya Permata Farda, Aniqotul Fathya, Sarah Febriansyah, Bagas Habibullah Habibullah Halimatuskdiah, Halimatuskdiah Halimatussa’diyah, Aina Hamsyiah, Nurmaita Hanania, Nisrina Kamilah Harahap, Novia Melati Hartati, Yuni Setya Hasan Hasan Hasanah, Annisa Nur Hilwah, Mayadah Ida Ayu Putu Sri Widnyani Indayatun, Ratna Isa’ad, Muhamad Farkhan Islami, Mona Erythrea Nur Ita Sarmita Samad, Ita Sarmita Ivalaili, Ivalaili Kamila, Syanindita Khayrullah, Nur Fitrawan Khoiriyah, Samrotul Laila Maisyarah Leis Suzanawaty Lekitoo, Marlyn N Leni Tantri Ana Mellyana Dwi Fatmawati Mifthahul Ridha Muhammad Danis Baiquni MUHAMMAD SAID Muhibudin, Muhibudin Muniaty Aisyah, Muniaty Mustafa Kamal Muthahari, Alif Mutmainah Mutmainah Muyasaroh, Ulya Nabila Firdaus Iman Nadiyya Syaima Nailul Mubarokah Nathalia, Offa Naufal Muhammad Thufail Ningrum, Rianti Agmarin Ningsih, Nur Kholimah Novianti, Tuti Oktavia, Ima Pranata, Aldo Surya Pudji Astuty Pudji Astuty, Pudji Putranto, Dwiyono Putri Acebeli Queenindya Permata Faly Rahmawati, Rahmawati Rani Triana Rasiam, Rasiam RINI RINI Riyan Apriansyah Rosa, Yuanaidra Alfathia Safitri, Husnul Amalia Sari, Nita Nurmala Saskia Nurbayanti Shella Muthya Syarif Sholehah, Baitus Sholikhatunnisa, Siti Sofiyanti, Izzah Sukarti Sukarti SUMIYATI SUMIYATI Suzanawaty, Leis Syahbilqis, Siti Alifah Syahla Adiba Maharani Syahrir, Dimas Kenn Syahwa, Adelia Putri Syarif, Shella Muthya Tsabitah, Hasna Yusriyyah, Yusriyyah Yusuf, Said Hakiki Zakiah, Nurul