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All Journal AKUNTABILITAS ETIKONOMI Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Media Wisata Jurnal Al-Iqtishad TARBIYA : Journal Education in Muslim Society Ikonomika : Jurnal Ekonomi dan Bisnis Islam Hikmah : Journal of Islamic Studies Liquidity: Jurnal Riset Akuntansi dan Manajemen Animal Production : Indonesian Journal of Animal Production Agregat: Jurnal Ekonomi dan Bisnis Jurnal Kreativitas PKM Shirkah: Journal of Economics and Business JURNAL EKONOMI SAKTI (JES) KREATIF : Jurnal Ilmiah Prodi Manajemen Universitas Pamulang Zhafir | Journal of Islamic Economics, Finance, and Banking Jurnal Bimas Islam Journal of Islamic Law Jurnal Akuntansi dan Governance Jurnal Ekonomi dan Perbankan Syariah Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Journal of Early Childhood and Character Education TRILOGI: Jurnal Ilmu Teknologi, Kesehatan, dan Humaniora Journal of Artificial Intelligence and Digital Business International Journal of Emerging Issues in Islamic Studies Tashdiq: Jurnal Kajian Agama dan Dakwah Jurnal Akuntansi dan Keuangan Islam (JAKIs) Budgeting: Jurnal Akuntansi Syariah JPS (Jurnal Perbankan Syariah) Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Umiyati Umiyati, Umiyati
UIN Syarif Hidayatullah Jakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Neuroscience Nursing Public Health Social Sciences Transportation Veterinary Other

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Pemanfaatan Teknologi dalam Pembelajaran di PAUD Kelompok Usia 2-3 Tahun di Labschool UNNES Choirunnisa, Silvya; Muyasaroh, Ulya; Farda, Aniqotul; Hartati, Yuni Setya; Umiyati, Umiyati
Journal of Early Childhood and Character Education Vol. 4 No. 2 (2024)
Publisher : FITK UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/joecce.v4i2.22548

Abstract

Pendidikan hingga kini masih dipercaya sebagai media yang sangat ampuh dalam membangun kecerdasan sekaligus keperibadian anak manusia menjadi lebih baik. Pemanfaatan Teknologi dalam Pembelajaran di PAUD  ini menjadi sarana dalam meningkatkan stimulasi perkembangan anak secara optimal. Tujuan penelitian ini untuk mendapatkan informasi mengenai pemanfaatan teknologi dalam pembelajaran di PAUD kelompom usia 2-3 tahun. Metode penelitian pendekatan kualitataif, jenis penelitian ini adalah penelitian deskriptif. Berdasarkan hasil penelitian,seiring dengan perkembangan zaman dan teknologi, saat ini banyak aplikasi-aplikasi yang bisa digunakan dalam proses belajar mengajar anak usia dini. Seperti canva, PPT, capcut dan lain lain bahkan ada beragam game edukasi menarik yang dapat guru gunakan pada saat proses belajarengajar.Aplikasi aplikasi tersebut sangat berguna apabila bisa dioperasikan dengan baik.  
Service Quality and Corporate Image through Customer Satisfaction and Their Impact on Customer Loyalty of Bank Syariah Indonesia Zakiah, Nurul; Umiyati, Umiyati
Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (2023): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v11i1.418

Abstract

This study aims to examine and analyze the effects of service quality and corporate image variables on customer satisfaction and their impact on customer loyalty. This study uses primary data by distributing questionnaires to customer of Bank Syariah Indonesia (BSI) KCP Depok Sawangan Raya. The numbers of samples in this research is 100 respondents and uses a purposive sampling method. The method used in this study is Partial Least Square (PLS) using a data analysis tool, namely SmartPLS 3.0. The results of this study indicate that the quality of service has a significant effect on customer satisfaction, while corporate image does not have a significant effect on customer satisfaction. The quality of service has a significant effect on customer loyalty, while the corporate of image has no significant effect on customer loyalty. Service quality has a significant effect on customer loyalty through customer satisfaction, while corporate image has no significant effect on customer loyalty through customer satisfaction.
SPIRITUALITAS DI TENGAH KETERBATASAN: STUDI FENOMENOLOGI IMPLIKASI KEMISKINAN PADA PRAKTIK KETAATAN BERIBADAH DI KALANGAN MAHASISWA Mellyana Dwi Fatmawati; Rani Triana; Saskia Nurbayanti; Syahla Adiba Maharani; Umiyati, Umiyati; Asep Rudi Nurjaman
Tashdiq: Jurnal Kajian Agama dan Dakwah Vol. 3 No. 2 (2024): Tashdiq: Jurnal Kajian Agama dan Dakwah
Publisher : Cahaya Ilmu Bangsa Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.4236/tashdiq.v3i2.2725

Abstract

Kemiskinan merupakan kondisi kekurangan pada pemenuhan kebutuhan dasar manusia. Kemiskinan yang seringkali terjadi pada mahasiswa adalah kemiskinan sementara (transient poverty). Tujuan penelitian ini adalah untuk memperoleh pemahaman mendalam implikasi kemiskinan pada praktik ketaatan beribadah di kalangan mahasiswa. Penelitian ini mengumpulkan sumber data melalui wawancara semi-struktur dengan pemilihan partisipan menggunakan teknik purposive sampling tiga subjek terpilih dengan kriteria 1) subjek merupakan seorang mahasiswa; dan 2) subjek pernah mengalami kemiskinan sementara (transient poverty). metode analisis data menggunakan Interpretative Phenomenological Analysis (IPA). Terdapat dua tema induk yang didapatkan, yaitu kondisi finansial mahasiswa dan pengaruh kekurangan finansial pada ketaatan beribadah. Hasil penelitian menunjukkan bahwa kondisi finansial DS, K, dan VRR secara umum cenderung mencukupi, namun kemiskinan sementara dapat terjadi karena faktor individual. Kondisi tersebut memengaruhi praktik beribadah DS, K, dan VRR, di mana DS dan K merasa lebih mendekatkan diri kepada Allah Swt., sementara VRR tidak merasakan pengaruh langsung. Meskipun demikian, kesulitan finansial juga memunculkan tantangan dalam memprioritaskan praktik ibadah, baik ibadah madhah maupun ibadah ghairu madhah. Namun, para responden menunjukkan strategi untuk tetap konsisten dalam beribadah, seperti memaksakan diri untuk beribadah, bersyukur, berdoa, memperkuat iman, mengatur keuangan dengan baik, dan istiqomah. Mereka juga memberikan pesan kepada mahasiswa lain yang mungkin menghadapi situasi serupa, yaitu untuk tetap berdoa, menguatkan iman, dan selalu bertawakal. Masing-masing responden menunjukkan pentingnya keyakinan dan spiritualitas dalam mengatasi tantangan kehidupan.
ANALISIS KINERJA KEUANGAN PADA PT BANK SYARIAH INDONESIA Umiyati, Umiyati; Muthahari, Alif; Indayatun, Ratna
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 4 No. 3 (2024): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v4i3.113

Abstract

The analysis of financial performance plays a critical role in determining the success and sustainability of a financial institution, including Bank Syariah Indonesia. As a financial institution operating based on Islamic principles, Bank Syariah Indonesia faces unique challenges, both in terms of compliance with Islamic law and competition with conventional banks. The objective of this study is to examine the financial performance of PT Bank Syariah Indonesia (BSI) for the 2021–2023 period. The research employs a quantitative descriptive method. All indicators show positive trends, with an increase in ROA (Return on Assets) and a decrease in BOPO (Operational Costs to Operational Revenue), reflecting good efficiency and profitability. ROA and BOPO fall within the "Very Healthy" category, while ROE (Return on Equity) is in the "Healthy" category, indicating potential for more strategic equity management. BSI's financial performance is classified as healthy to very healthy. The consistently increasing FDR (Financing to Deposit Ratio) indicates aggressiveness in financing distribution. In 2021, FDR was in the "Very Healthy" category but declined to "Healthy" in 2022 and 2023. Nevertheless, FDR approaches the upper optimal limit (around 85%), necessitating caution to avoid liquidity pressures. BSI's CAR (Capital Adequacy Ratio) has consistently remained in the "Very Healthy" category for three consecutive years, far above Bank Indonesia's minimum threshold of 8%. A stable CAR ratio exceeding 20% reflects BSI's ability to manage risks and growth efficiently, providing a strong foundation for expanding financing or assets without compromising capital stability
PENGARUH KOMPETENSI DAN INDEPEDENSI AUDITOR SYARIAH TERHADAP KUALITAS AUDIT Syahwa, Adelia Putri; Umiyati, Umiyati; Yusuf, Said Hakiki
Jurnal Ekonomi Sakti Vol 13 No 3 (2024)
Publisher : LPPM - STIE SAKTI ALAM KERINCI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36272/jes.v13i3.351

Abstract

Penelitian ini mengkaji pengaruh kompetensi dan independensi auditor syariah, khususnya Dewan Pengawas Syariah (DPS), terhadap kualitas audit di perbankan syariah. Tujuan utama audit adalah untuk memverifikasi kebenaran laporan keuangan dan kepatuhan terhadap prinsip syariah. Kompetensi auditor meliputi pengetahuan keuangan dan fiqh muamalat, serta keterampilan analitis dan komunikasi. Independensi auditor diperlukan untuk menjaga objektivitas dan integritas dalam pelaksanaan audit. Hasil penelitian menunjukkan bahwa kompetensi dan independensi auditor syariah memiliki pengaruh signifikan terhadap kualitas audit, yang mencerminkan kemampuan auditor dalam mengidentifikasi dan melaporkan ketidaksesuaian atau pelanggaran syariah. Upaya untuk meningkatkan kualitas audit meliputi peningkatan kompetensi melalui pendidikan dan pelatihan, serta memastikan independensi melalui penerapan kode etik dan regulasi yang ketat. Penelitian ini menggunakan metode kualitatif dan kajian pustaka, mengacu pada teori dan penelitian sebelumnya untuk mendukung temuan.
SALE AND PURCHASE FINANCING AND PROFIT SHARING ON NON-PERFORMING FINANCING AND ITS IMPLICATIONS FOR THE FINANCIAL PERFORMANCE OF SHARIA PEOPLE'S CREDIT BANKS Yusriyyah, Yusriyyah; Umiyati, Umiyati
Jurnal Al-Iqtishad Vol 20, No 2 (2024): December 2024
Publisher : Economic and Science Faculty of Islamic State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jiq.v20i2.21283

Abstract

This study aims to examine the direct and indirect effects of Sale-Purchase Financing and Profit-Sharing on Non-Performing Financing and their implications for the financing performance of Bank Perkreditan Rakyat Syariah (BPRS) during the period 1st quarter 2017 – 4th quarter 2021. Samples were taken using the Non Probability Sampling with purposive sampling method. The samples used in this study were 4 BPRS representing the sampling criteria determined by the author. The data that has been obtained is processed through the path analysis method with the analysis tool Eviews 12 and Microsoft Excel. The results of this study indicate that there is a direct effect between Profit-Sharing Financing (  ) on Non Performing Financing (Z), Sale-Purchase Financing ( ) on Return On Assets (ROA) (Y), and Non Performing Financing (Z) on Return On Assets (ROA) (Y). Meanwhile, profit sharing financing (  ) has an indirect effect on Return On Assets (ROA) (Y) through Non Performing Financing (Z).
Integration of New Media and Prophetic Communication Enhanced for Zakah, Infāq, Ṣadaqah, and Waqf Fundraising: A Case Study of Baitulmaal Munzalan Indonesia Rasiam, Rasiam; Umiyati, Umiyati; Habibullah, Habibullah; Syahrir, Dimas Kenn; Said, Muhammad
Journal of Islamic Law Vol. 4 No. 1 (2023): Journal of Islamic Law
Publisher : Institut Agama Islam Negeri (IAIN) Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jil.v4i1.1167

Abstract

Recent developments in Islamic philanthropic practices have shifted from traditional to modern ways through the use of information technology. This article seeks to analyze how prophetic communication is integrated by Baitulmaal Munzalan Indonesia (BMI) in its use of new media to enhance Zakah, Infāq, Ṣadaqah, and Waqf (Ziswaf) fundraising. This research uses a qualitative method by conducting field work through primary and secondary data collection. Primary data were collected through observation and interviews with members of the executive board and managers of this institution, while secondary data were obtained by exploring its website and social media. We found that the BMI has been using a number of new media, both online media and social media, to build the trust of the Muslim community in charity. Millennials are recruited as agents to carry out all of the BMI’s carefully planned programs. Through its social media, the BMI uses prophetic communication by involving several well-known ustadz (preachers) on social media as ambassadors for Ziswaf fundraising. We argue that the transformation of new media that communicate religious messages and are supported by the millennial movement has become an ecosystem for collecting, managing and distributing Ziswaf funds in its latest practice.
The impact of Islamic financial literacy on Islamic financial planning of Islamic university students Aisyah, Muniaty; Umiyati, Umiyati; Suzanawaty, Leis
JPS (Jurnal Perbankan Syariah) Vol 6 No 1 (2025): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v6i1.2223

Abstract

Purpose – This study aims to analyze the influence of Islamic university students' Islamic financial literacy on their Islamic financial planning. Method – This study uses a quantitative approach with convenience sampling and a Structural Equation Model - Partial Least Square (SEM-PLS) analysis technique. This study analyzed 110 primary data sets using the Smart PLS application. Representing the population of Islamic university students, the sample or respondents were students from the Islamic banking study program at Syarif Hidayatullah State Islamic University Jakarta, one of Indonesia's largest state Islamic universities. Findings – The results show that students' Islamic financial knowledge and behavior positively affect Islamic financial planning, while students' Islamic financial attitudes have no effect. Implications – Theoretically, this study can complement existing theories, especially the influence of Islamic financial knowledge and behavior on Islamic financial planning. Practically, this study can be a reference in improving Islamic financial literacy and planning of Islamic university students, especially regarding Islamic financial knowledge and behavior.
PERAN RELIGIUSITAS DALAM MEMEDIASI ANTARA WAITING LIST HAJI DAN CITRA MEREK TERHADAP MINAT TABUNGAN HAJI PADA GENERASI MILENIAL Umiyati, Umiyati; Ivalaili, Ivalaili; Syahbilqis, Siti Alifah
Hikmah: Journal of Islamic Studies Vol 21, No 1 (2025): Hikmah Journal of Islamic Studies
Publisher : STAI ALHIKMAH Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47466/hikmah.v21i1.322

Abstract

AbstractThis study aims to analyze the role of religiosity in mediating the influence of the Hajj waiting list and brand image of Sharia banks on millennials’ interest in saving through the Hajj savings product of Bank Syariah Indonesia (BSI). Primary data were collected from 100 millennial respondents in South Tangerang City using purposive sampling and analyzed with Partial Least Square (PLS) using SmartPLS 4.0. The results show that the Hajj waiting list has no significant effect on saving interest, while brand image has a significant positive effect. Religiosity also significantly influences interest and mediates the effect of brand image on saving interest, but not the effect of the Hajj waiting list. These findings highlight religiosity as a key factor in understanding the financial behavior of religiously motivated millennials in the modern era, especially in relation to Islamic banking preferences. This study contributes to the development of marketing strategies for Hajj savings products and underscores the importance of integrating religious values into financial decision-making among Muslim youth. AbstrakPenelitian ini bertujuan untuk menganalisis peran religiusitas dalam memediasi pengaruh daftar tunggu haji dan citra merek bank syariah terhadap minat generasi milenial dalam menabung di produk Tabungan Haji Bank Syariah Indonesia (BSI). Penelitian ini menggunakan data primer yang dikumpulkan melalui penyebaran kuesioner kepada 100 responden milenial di Kota Tangerang Selatan dengan metode purposive sampling. Analisis data dilakukan menggunakan teknik Partial Least Square (PLS) melalui aplikasi SmartPLS 4.0. Hasil penelitian menunjukkan bahwa daftar tunggu haji tidak berpengaruh signifikan terhadap minat menabung, namun citra merek memiliki pengaruh signifikan. Religiusitas juga ditemukan berpengaruh secara signifikan terhadap minat, serta memediasi pengaruh citra merek terhadap minat menabung. Namun, religiusitas tidak memediasi pengaruh daftar tunggu haji terhadap minat. Temuan ini mengindikasikan bahwa religiusitas menjadi faktor penting dalam memahami perilaku keuangan generasi milenial muslim di era modern, khususnya dalam konteks literasi keuangan Islam dan preferensi terhadap layanan perbankan syariah. Penelitian ini memberikan kontribusi dalam pengembangan strategi pemasaran produk tabungan haji, serta menegaskan pentingnya integrasi nilai-nilai religius dalam pengambilan keputusan finansial generasi muda muslim. 
Inluence Of Religiosity Towards The Saving Interest At Islamic Banking With The Knowledge Of The People As Moderator Variable (Case Study On The People Of South Tanggerang City) Astuty, Pudji; Umiyati, Umiyati
IKONOMIKA Vol 3, No 1 (2018)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v3i1.2229

Abstract

ABSTRACTThe purpose of this study is to analyze the influence of religiosity on the saving interest at Islamic Banking with the knowledge of the people as the moderator variable. This study was held at Tanggerang Selatan. The methods that is used to gather samples for this study is non-probability sampling and with the technique convenience sampling. The respondents in this study are the people of South Tanggerang City who saves their money at Islamic Banking, there are 100 respondents in total. The data gathered through questionnaire as the methods of survey. The data that are gathered then processed using multiple linear regression with interaction test (moderated regression analysis). The result of this study shows that there is significant influence between religiosity and the saving interest at Islamic Banking. the knowledge of the people and the saving interest at Islamic Banking also shows significant influence. The interaction between religiosity and knowledge as the moderator variable giving significant influence on the saving interest at Islamic Banking at the rate of significance bellow 0.05 or 5%. Keywords : Religiosity, The People’s Knowledge, saving interest at        Islamic Banking
Co-Authors Abira, Lathifah Ahsan, Amada Albukhori, Albukhori Ananda Nur Azizah Annisa Dzahabiyah Arslan, Gustio Wahid Arthalia, Nurma Asep Rudi Nurjaman Asmaini, Nur Aulia, Rahma Putri Azharine, Safa Nabila Aziz Farhan, Abdul B Santoso Baiquni, Muhammad Danis Baiquni, Muhammad Danis Balqis, Siti Rania Choirunnisa, Silvya Devi Nasiatul Aisyiah Esaraja Syahputra Fadia Arini Nadia Gultom Fadliah Fajwatul Asri Fahrul Rizal, Fahrul Faly, Queenindya Permata Faly, Queenindya Permata Farda, Aniqotul Fathya, Sarah Febriansyah, Bagas Habibullah Habibullah Halimatuskdiah, Halimatuskdiah Halimatussa’diyah, Aina Hamzah, Muhammad Fahmi Hanania, Nisrina Kamilah Hanifah, Nasywa Harahap, Novia Melati Hartati, Yuni Setya Hasan Hasan Hasanah, Annisa Nur Hilwah, Mayadah Ida Ayu Putu Sri Widnyani Indayatun, Ratna Isa’ad, Muhamad Farkhan Iskandar, Shafa Nayla Islami, Mona Erythrea Nur Ita Sarmita Samad, Ita Sarmita Ivalaili, Ivalaili Kamila, Syanindita Khalda Khairunisa Khayrullah, Nur Fitrawan Khoiriyah, Samrotul Laila Maisyarah Leis Suzanawaty Lekitoo, Marlyn N Leni Tantri Ana Lystiani, Dhita M. Alfi Adz Zahabi Mellyana Dwi Fatmawati Mifthahul Ridha Misuari, Nur Muhammad Danis Baiquni MUHAMMAD SAID Muharromi, Chairunnisa Muthmainah Muhibudin, Muhibudin Muniaty Aisyah, Muniaty Mustafa Kamal Muthahari, Alif Mutmainah Mutmainah Muyasaroh, Ulya Nabila Anan Tasya Nabila Firdaus Iman Nada, Radhina Dwinta Nadila Aulia Nadiyya Syaima Nailul Mubarokah Nathalia, Offa Naufal Muhammad Thufail Ningrum, Rianti Agmarin Ningsih, Nur Kholimah Novianti, Tuti Nurul Kamilah Octavia Dwi Rahmadhani Oktavia, Ima Padilatin, Lutfi Pranata, Aldo Surya Pudji Astuty Pudji Astuty, Pudji Putri Acebeli Queenindya Permata Faly Rahmawati, Novia Siti Rahmawati, Rahmawati Rani Triana Rasiam, Rasiam RINI RINI Riyan Apriansyah Roehani, Isye Rosa, Yuanaidra Alfathia Salsabilah, Ayudia Saputra , Dekha Sari, Nita Nurmala Saskia Nurbayanti Shella Muthya Syarif Sholehah, Baitus Sholikhatunnisa, Siti Sofiyanti, Izzah SUMIYATI SUMIYATI Suzanawaty, Leis Syahbilqis, Siti Alifah Syahla Adiba Maharani Syahrir, Dimas Kenn Syahwa, Adelia Putri Syaiffitri, Anggie Indah Nur Syarif, Shella Muthya Tsabitah, Hasna Vira Pebriana Widyastuti, Nadia Winda Risyawalita Nugraha Yusriyyah, Yusriyyah Yusuf, Said Hakiki Zakiah, Nurul