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All Journal El Dinar IQTISHADIA AL-TANZIM : JURNAL MANAJEMEN PENDIDIKAN ISLAM Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Zhafir | Journal of Islamic Economics, Finance, and Banking Community Development Journal: Jurnal Pengabdian Masyarakat Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Indo-MathEdu Intellectuals Journal Maliki Islamic Economics Journal International Journal of Islamic Business and Economics (IJIBEC)
Terminanto, Ade Ananto
Universitas Islam Negeri Syarif Hidayatullah
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Mathematics Public Health Social Sciences Other

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Pengaruh Kualitas Pelayanan, Produk, Dan Lokasi Terhadap Kepuasan Nasabah Pada Bank Syariah Mandiri Cabang Cengkareng Terminanto, Ade Ananto
Zhafir | Journal of Islamic Economics, Finance, and Banking Vol 1 No 2 (2019): Zhafir | Journal of Islamic, Economics, Finance, and Banking
Publisher : Kopertais Wilayah I DKI Jakarta dan Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51275/zhafir.v1i2.153

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui pengaruh kualitas pelayanan, produk, dan lokasi terhadap kepuasan nasabah pada Bank Syariah Mandiri cabang Cengkareng menunjukkan bahwa penelitian yang dilakukan terhadap 200 orang dianalisa menggunakan dengan metode kuantitatif dengan membandingkan 3 variabel yaitu variabel (X1) kualitas pelayanan, (X2) produk dan (X3) lokasi dengan variabel (Y) kepuasan nasabah. Adapun pengujian yang dilakukan meliputi uji reliabilitas dan uji validitas. Pengujian validitas dilakukan untuk mengetahui apakah semua pertanyaan (instrument) penelitian yang diajukan untuk mengukur variabel penelitian adalah valid. Jika valid berarti instrumen itu dapat digunakan untuk mengukur apa yang hendak diukur. Instumen yang reliabel belum tentu valid. Pengujian reliabilitas digunakan untuk mengukur konsistensi jawaban responden. Kriteria pengujian dilakukan dengan menggunakan Cronbach Alpha. Berdasarkan hasil yang diperoleh dapat dikatakan bahwa hubungan antara kualitas pelayanan, produk, dan lokasi dengan kepuasan nasabah memiliki hubungan yang sedang yaitu dengan nilai R sebesar 0,667. Adapun pengaruh kualitas pelayanan, produk, dan lokasi terhadap kepuasan nasabah adalah sebesar 44,5% dan sisanya dipengaruhi oleh faktor lain diluar penelitian.
Analisa Penyelesaiaan Transaksi Penagihan Fintek Tanpa Adanya Jaminan Terminanto, Ade Ananto
Zhafir | Journal of Islamic Economics, Finance, and Banking Vol 2 No 1 (2020): Zhafir | Journal of Islamic, Economics, Finance, and Banking
Publisher : Kopertais Wilayah I DKI Jakarta dan Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51275/zhafir.v2i1.170

Abstract

Fintech has provided fresh air in the development of the financial and technological industries today. Growing so rapidly makes Technology-Based Money Lending and Borrowing Activities a business that has positive and negative impacts. With regulations that are not yet strict, many illegal investment companies are flourishing in Indonesia. The absence of collateral is a major problem for Fintek. In collecting loans, Fintek uses all personal data of debtor customers as an effort to resolve customer obligations. On the other hand, Fintek violates the rights of debtor customers as consumers because they have used the customer's personal data in resolving debts.
PENGARUH BELANJA PEMERINTAH DAN PEMBIAYAAN BANK SYARIAH TERHADAP PERTUMBUHAN EKONOMI: STUDI KASUS DATA PANEL PROVINSI DI INDONESIA Terminanto, Ade Ananto; Rama, Ali
IQTISHADIA Vol 10, No 1 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i1.2320

Abstract

Indonesia’s economy grows persistently with positive growth when developed countries are otherwise. In the meantime, government expenditure increases gradually in order to boost economic growth of the country. In literatures, the impact of government fiscal policy to the outputs or national income varies, as well as the impact of banking sector including Islamic banking sector. Therefore, this study aims to empirically analyze the impact of government expenditure and Islamic banking financing for economic growth by utilizing panel data of 33 provinces in Indonesia during 2010-2015. Besides that, the number of investment and employment were included as explanatory factors for regional economic growth in the study. Methodologically, common, fixed and random effects were employed to estimate coefficient of the independent variables. The study finds that government expenditure, Islamic banking financing, investment and number of employments have significant-positive influence to regional economic growth in Indonesia. Therefore, government’s fiscal policy as well as Islamic banking financing contributed to the economic growth.Indonesia mengalami pertumbuhan ekonomi yang konsisten secara positif di saat negara-negara maju mengalami pertumbuhan ekonomi yang minus. Di sisi lain, pengeluaran pemerintah cenderung meningkat dari waktu ke waktu dengan maksud untuk mempengaruhi pertumbuhan ekonomi. Namun demikian, berdasarkan studi empiris kebijakan fiskal yang dimaksudkan untuk mempengaruhi pendapatan nasional menunjukkan kesimpulan yang beranekaragam. Begitupula dengan pengaruh sektor perbankan termasuk di dalamnya sistem perbankan syariah terhadap pertumbuhan ekonomi. Oleh karena itu, penelitian ini bermaksud untuk menganalisis pengaruh belanja pemerintah dan pembiayaan bank syariah terhadap pertumbuhan ekonomi dengan menggunakan data panel 33 provinsi di Indonesia untuk periode 2010-2015. Selain itu, tingkat investasi dan tenaga kerja dimasukkan sebagai faktor explanatori untuk pertumbuhan ekonomi regional. Metode common effect, fixed effect, dan random effect digunakan untuk mengestimasi nilai pengaruh variabel-variabel independen. Penelitian ini menemukan bahwa belanja pemerintah, pembiayaan banks syariah, investasi dan jumlah tenaga kerja berpengaruh positif signifikan terhadap pertumbuhan ekonomi regional di Indonesia. Dengan demikian, kebijakan fiskal pemerintah dan kegiatan intermediasi perbankan syariah berkontribusi dalam pertumbuhan ekonomi.
PENGARUH BELANJA PEMERINTAH DAN PEMBIAYAAN BANK SYARIAH TERHADAP PERTUMBUHAN EKONOMI: STUDI KASUS DATA PANEL PROVINSI DI INDONESIA Ade Ananto Terminanto; Ali Rama
IQTISHADIA Vol 10, No 1 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i1.2320

Abstract

Indonesia’s economy grows persistently with positive growth when developed countries are otherwise. In the meantime, government expenditure increases gradually in order to boost economic growth of the country. In literatures, the impact of government fiscal policy to the outputs or national income varies, as well as the impact of banking sector including Islamic banking sector. Therefore, this study aims to empirically analyze the impact of government expenditure and Islamic banking financing for economic growth by utilizing panel data of 33 provinces in Indonesia during 2010-2015. Besides that, the number of investment and employment were included as explanatory factors for regional economic growth in the study. Methodologically, common, fixed and random effects were employed to estimate coefficient of the independent variables. The study finds that government expenditure, Islamic banking financing, investment and number of employments have significant-positive influence to regional economic growth in Indonesia. Therefore, government’s fiscal policy as well as Islamic banking financing contributed to the economic growth.Indonesia mengalami pertumbuhan ekonomi yang konsisten secara positif di saat negara-negara maju mengalami pertumbuhan ekonomi yang minus. Di sisi lain, pengeluaran pemerintah cenderung meningkat dari waktu ke waktu dengan maksud untuk mempengaruhi pertumbuhan ekonomi. Namun demikian, berdasarkan studi empiris kebijakan fiskal yang dimaksudkan untuk mempengaruhi pendapatan nasional menunjukkan kesimpulan yang beranekaragam. Begitupula dengan pengaruh sektor perbankan termasuk di dalamnya sistem perbankan syariah terhadap pertumbuhan ekonomi. Oleh karena itu, penelitian ini bermaksud untuk menganalisis pengaruh belanja pemerintah dan pembiayaan bank syariah terhadap pertumbuhan ekonomi dengan menggunakan data panel 33 provinsi di Indonesia untuk periode 2010-2015. Selain itu, tingkat investasi dan tenaga kerja dimasukkan sebagai faktor explanatori untuk pertumbuhan ekonomi regional. Metode common effect, fixed effect, dan random effect digunakan untuk mengestimasi nilai pengaruh variabel-variabel independen. Penelitian ini menemukan bahwa belanja pemerintah, pembiayaan banks syariah, investasi dan jumlah tenaga kerja berpengaruh positif signifikan terhadap pertumbuhan ekonomi regional di Indonesia. Dengan demikian, kebijakan fiskal pemerintah dan kegiatan intermediasi perbankan syariah berkontribusi dalam pertumbuhan ekonomi.
FACTORS AFFECTING COMMUNITY INTEREST IN SHARIA BANK SAVING PRODUCTS (Studies on the Community of South Tangerang City) Intan Lilis Sugiarti; Erika Amelia; Ade Ananto Terminanto
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 4, No 02 (2020): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (402.081 KB) | DOI: 10.30868/ad.v4i02.974

Abstract

This research was conducted to find factors that influence people's preferences on Islamic bank savings products. This study uses primary data in the form of a questionnaire distributed to the people of South Tangerang. They have been or have been a sharia bank savings customer. This study obtained a sample of 133 respondents. To analyze this study, researchers used a factor analysis test and Chi-Square (X2) test using SPSS version 24. The factor analysis test results from this study indicate that nine factors can influence people's preferences on Islamic bank savings products. Factors formed successively include guarantee and equality of profit-sharing results, product feature factors, product quality factors, profit-sharing distribution factors, environmental factors, sharia understanding factors, sharia mechanism factors, usability factors, and shariah compliance factors. The chi-square test analysis showed that the characteristics of respondents in the form of gender, age, occupation, last education, and address have a relationship with nine factors formed.
PENGARUH BELANJA PEMERINTAH DAN PEMBIAYAAN BANK SYARIAH TERHADAP PERTUMBUHAN EKONOMI: STUDI KASUS DATA PANEL PROVINSI DI INDONESIA Ade Ananto Terminanto; Ali Rama
IQTISHADIA Vol 10, No 1 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i1.2320

Abstract

Indonesia’s economy grows persistently with positive growth when developed countries are otherwise. In the meantime, government expenditure increases gradually in order to boost economic growth of the country. In literatures, the impact of government fiscal policy to the outputs or national income varies, as well as the impact of banking sector including Islamic banking sector. Therefore, this study aims to empirically analyze the impact of government expenditure and Islamic banking financing for economic growth by utilizing panel data of 33 provinces in Indonesia during 2010-2015. Besides that, the number of investment and employment were included as explanatory factors for regional economic growth in the study. Methodologically, common, fixed and random effects were employed to estimate coefficient of the independent variables. The study finds that government expenditure, Islamic banking financing, investment and number of employments have significant-positive influence to regional economic growth in Indonesia. Therefore, government’s fiscal policy as well as Islamic banking financing contributed to the economic growth.Indonesia mengalami pertumbuhan ekonomi yang konsisten secara positif di saat negara-negara maju mengalami pertumbuhan ekonomi yang minus. Di sisi lain, pengeluaran pemerintah cenderung meningkat dari waktu ke waktu dengan maksud untuk mempengaruhi pertumbuhan ekonomi. Namun demikian, berdasarkan studi empiris kebijakan fiskal yang dimaksudkan untuk mempengaruhi pendapatan nasional menunjukkan kesimpulan yang beranekaragam. Begitupula dengan pengaruh sektor perbankan termasuk di dalamnya sistem perbankan syariah terhadap pertumbuhan ekonomi. Oleh karena itu, penelitian ini bermaksud untuk menganalisis pengaruh belanja pemerintah dan pembiayaan bank syariah terhadap pertumbuhan ekonomi dengan menggunakan data panel 33 provinsi di Indonesia untuk periode 2010-2015. Selain itu, tingkat investasi dan tenaga kerja dimasukkan sebagai faktor explanatori untuk pertumbuhan ekonomi regional. Metode common effect, fixed effect, dan random effect digunakan untuk mengestimasi nilai pengaruh variabel-variabel independen. Penelitian ini menemukan bahwa belanja pemerintah, pembiayaan banks syariah, investasi dan jumlah tenaga kerja berpengaruh positif signifikan terhadap pertumbuhan ekonomi regional di Indonesia. Dengan demikian, kebijakan fiskal pemerintah dan kegiatan intermediasi perbankan syariah berkontribusi dalam pertumbuhan ekonomi.
INOVASI TEKNOLOGI DALAM MENINGKATKAN EFISIENSI MANAJEMEN PENDIDIKAN DAN PENGABDIAN MASYARAKAT DI ERA DIGITAL Harini, Hegar; Prananosa, Ahmad Gawdy; Terminanto, Ade Ananto; Herlina; Sulistianingsih
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 4 No. 6 (2023): Volume 4 Nomor 6 Tahun 2023
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v4i6.23297

Abstract

Pendidikan dan pengabdian kepada masyarakat merupakan dua pilar utama dalam mengembangkan sumber daya manusia yang berkualitas dan berdaya saing. Seiring dengan perkembangan teknologi digital yang pesat, diperlukan inovasi teknologi yang mampu menjawab tantangan dan mengoptimalkan efisiensi manajemen di bidang pendidikan dan pengabdian kepada masyarakat. Penelitian ini akan menggali lebih dalam konsep inovasi teknologi dalam meningkatkan efisiensi manajemen pendidikan dan pengabdian kepada masyarakat di era digital. Studi ini menggunakan kajian komprehensif terhadap karya-karya yang telah diterbitkan sebelumnya, dengan menggunakan analisis kualitatif untuk mencapai pemahaman yang menyeluruh terhadap topik tersebut, dengan rentang waktu dari tahun 2016 hingga 2023. Hasil studi menunjukkan bahwa inovasi teknologi telah membawa dampak positif yang signifikan dalam meningkatkan efisiensi manajemen pendidikan dan pengabdian kepada masyarakat di era digital. Pembelajaran online, sistem manajemen sekolah berbasis teknologi, dan aplikasi pembelajaran pintar telah menciptakan lingkungan pembelajaran yang lebih fleksibel, responsif, dan personal. Di samping itu, teknologi juga mempercepat kolaborasi antarlembaga pendidikan, pemerintah, dan sektor swasta, memungkinkan penyelenggaraan kegiatan pendidikan dan pengabdian kepada masyarakat dengan lebih efisien. Transformasi ini membawa perubahan positif dalam evaluasi kualitas pendidikan, pengembangan keterampilan siswa, dan efisiensi manajemen administratif.
SHARIA MICROFINANCE MODELS: A GRAMEEN BANK APPROACH FOR SUSTAINABLE CONSTRUCTION AND WELFARE ENHANCEMENT Terminanto, Ade Ananto; Hamid, Abdul; Amalia, Euis
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 12, No 1 (2024): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v12i1.23722

Abstract

This research aims to build a model for strengthening Sharia microfinance through an adapted Grameen Bank replica based on the pillars of leadership, collaboration, spirituality, and women's freedom. This research used a quantitative method to analyze a Grameen Bank replica or build a model for strengthening Sharia microfinance. It provides an early description of the model's independent and dependent variables using Path Investigation and Structural Equation Modeling (SEM). Data were gathered through participatory observation methods, interview techniques, and the distribution of SEM questionnaires to MFI managers and beneficiary customers. The findings indicate a link between the influence of the Grameen Bank-based Islamic Microfinance Institution system on partners in terms of leadership, cooperation, economy, community, and spirituality, as well as alternative strategies for strengthening Grameen Bank-based MFIs in improving the welfare of women's microbusiness groups. This research encourages more attention and implementation of Islamic microfinance models in an effort to improve social and economic welfare, especially among vulnerable groups such as women micro-entrepreneurs.
Transformational Leadership Dalam Industri Asuransi: Strategi Peningkatan Kinerja Perusahaan Melalui Inovasi, Pengembangan SDM, dan Pendidikan Organisasional Terminanto, Ade Ananto; Haryanti, Enny; Megawati; Nurwiatin, Neng; Harini, Hegar
Indo-MathEdu Intellectuals Journal Vol. 6 No. 3 (2025): Indo-MathEdu Intellectuals Journal
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/imeij.v6i3.3023

Abstract

This research aims to examine the role of transformational leadership in improving the performance of insurance companies through innovation strategies, human resource development, and organisational education. This research uses a literature review method with a qualitative approach, where data is analysed using thematic descriptive analysis techniques. Data were collected from scientific articles published between 1978-2025 and obtained from Google Scholar and trusted academic sites. Of the 50 articles reviewed, 33 were selected through rigorous selection based on their relevance, methodological quality, and contribution to the research topic. The results showed that transformational leaders play a role in fostering an innovative culture, increasing human resource capacity through continuous training, and building an organisational education system that is adaptive to industry changes. Previous studies also support that this leadership style is able to improve company performance in terms of financial, operational, and employee satisfaction.
Sharia Compliance and Islamic Digital Banking: Empowering SMEs in Indonesia Supriyono, Supriyono; Terminanto, Ade Ananto; Mulazid, Ade Sofyan; Suherlan, Ade
International Journal of Islamic Business and Economics (IJIBEC) Vol 8 No 2 (2024): Volume 8 Nomor 2 Tahun 2024
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v8i2.8724

Abstract

This study explores the role of Sharia compliance in enhancing the adoption and use of Islamic digital banking services in Indonesia, with particular attention to its implications for Small and Medium Enterprises (SMEs). Using a modified UTAUT 3 model, this research incorporates Sharia compliance and trust as critical variables influencing user behavior. A quantitative approach, including an online survey with 129 respondents, was used, and data were analyzed with PLS-SEM. The findings demonstrate that Sharia compliance significantly impacts actual usage but does not moderate the relationship between intention and behavior. Trust and personal innovation also play pivotal roles in driving adoption, while factors such as facilitating conditions, hedonic motivation, and price value were found to have minimal influence. These insights underscore the importance of aligning Islamic digital banking services with Sharia principles to meet the needs of SMEs, ultimately fostering greater trust, efficiency, and technological innovation. The study offers practical recommendations for Islamic banks to better engage SMEs by focusing on Sharia compliance and user trust in their digital services.
Co-Authors Abdul Hamid Ade Sofyan Mulazid Ade Suherlan, Ade Ali Rama Didin Hikmah Perkasa Erika Amelia Euis Amalia Farhan, Muhammad Gusti Haryanti, Enny Hegar Harini Henny Pandaryasi Herlina Intan Lilis Sugiarti Ismail Akbar Brahma Megawati Prananosa, Ahmad Gawdy Sulistianingsih Supriyono Supriyono