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All Journal El Dinar 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 Indo-MathEdu Intellectuals Journal Maliki Islamic Economics Journal IIJSE International Journal of Islamic Business and Economics (IJIBEC) Madania: Jurnal Kajian Keislaman
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.
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.
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 investigates how Sharia compliance and trust shape SMEs' adoption behavior using an extended Unified Theory of Acceptance and Use of Technology (UTAUT 3) framework. The rapid digital transformation of the banking sector necessitates deeper insights into the factors driving the adoption of Islamic digital banking, particularly among Small and Medium Enterprises (SMEs) in Indonesia. Through a quantitative approach employing an online survey of 129 SME respondents, data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Findings reveal that Sharia compliance significantly influences actual usage but does not moderate the relationship between behavioral intention and adoption. Trust and personal innovation emerge as key determinants of SMEs' adoption, while facilitating conditions, hedonic motivation, and price value demonstrate negligible effects. These insights underscore the necessity for Islamic banks to effectively integrate Sharia principles into their digital banking services to foster greater trust and engagement among SMEs. This study contributes to the literature by expanding the UTAUT 3 framework within Islamic finance and digital banking contexts, offering practical recommendations for Islamic financial institutions to enhance service accessibility and customer trust. Future research should examine longitudinal trends and explore a broader demographic and institutional spectrum to validate these findings and assess the evolving landscape of Islamic digital banking.
The Effect of Security, Convenience, and Effectiveness of Using BSI Mobile on Student Customers Satisfaction Farhan, Muhammad Gusti; Terminanto, Ade Ananto
Maliki Islamic Economics Journal Vol 5, No 1 (2025): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v5i1.29881

Abstract

This study aims to describe the extent to which the safety, convenience, and effectiveness of using BSI Mobile affect the level of customer satisfaction with transactions. A total of 100 customers who actively use the service were selected as research samples with purposive sampling techniques. Primary data obtained through the Likert scale questionnaire were analysed using Partial Least Squares (PLS) to test the research hypothesis. The results showed that there was a positive correlation between the three independent variables and the dependent variables. However, further analysis shows that only the security dimension contributes significantly to the increase in customer satisfaction. This finding has important implications for the bank in an effort to improve the quality of BSI Mobile services.
OPTIMALISASI STRATEGI PENGEMBANGAN SUMBER DAYA MANUSIA PENDIDIKAN DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT Terminanto, Ade Ananto; Herlina, Herlina; Prananosa, Ahmad Gawdy; Utami, Purwani Puji; Kurniastuti, Cahyani
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 2 (2024): Volume 5 No. 2 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i2.27300

Abstract

Pendidikan memiliki peran penting dalam pembangunan masyarakat. Melalui pendidikan yang berkualitas, masyarakat dapat meningkatkan kualitas hidup, mengurangi kemiskinan, dan menciptakan peluang ekonomi yang lebih baik. Penelitian ini akan secara mendalam menganalisis tentang optimalisasi strategi pengembangan sumber daya manusia pendidikan dalam meningkatkan kesejahteraan Masyarakat. Metode penelitian yang digunakan adalah tinjauan pustaka kualitatif dengan pengumpulan data melalui Google Scholar dalam rentang tahun 2013-2023. Hasil studi menunjukkan bahwa optimalisasi strategi pengembangan sumber daya manusia (SDM) pendidikan memegang peranan kunci dalam meningkatkan kesejahteraan masyarakat. Berbagai strategi, seperti pemberian pendidikan dan pelatihan yang berkualitas bagi para guru dan tenaga pendidik, peningkatan kualitas kurikulum, pengembangan pemimpin pendidikan, dan peningkatan fasilitas belajar, semuanya berkontribusi terhadap peningkatan kualitas pendidikan dan, akibatnya, kesejahteraan masyarakat secara keseluruhan.
PENDIDIKAN BERBASIS KEWIRAUSAHAAN SEBAGAI SOLUSI PENINGKATAN KESEJAHTERAAN MASYARAKAT RENTAN EKONOMI Terminanto, Ade Ananto; Prananosa, Ahmad Gawdy; Haryanti, Enny; Masrum, Masrum; Brahma, Ismail Akbar
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 6 (2024): Vol. 5 No. 6 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i6.37846

Abstract

Pendidikan berbasis kewirausahaan merupakan solusi potensial dalam meningkatkan kesejahteraan kelompok masyarakat rentan ekonomi. Penelitian ini merupakan tinjauan pustaka dengan pendekatan kualitatif, bertujuan untuk memperkaya referensi terkait pengabdian masyarakat. Data diambil dari 14 artikel yang dipilih dari 22 artikel yang ditemukan di Google Scholar periode 2022-2024. Hasil penelitian menunjukkan bahwa program-program kewirausahaan, seperti Rumah Kreatif BUMN, Kartu Prakerja, dan Program Mahasiswa Wirausaha, berperan penting dalam memberdayakan masyarakat dengan memberikan pelatihan bisnis, pendampingan, serta akses ke pasar dan modal. Studi kasus lokal dan internasional, seperti Youth Business International dan Program Pemberdayaan Ekonomi Perempuan, menunjukkan dampak signifikan dari pelatihan kewirausahaan terhadap peningkatan pendapatan dan kemandirian ekonomi. Implikasi dari temuan ini adalah pentingnya kolaborasi antara pemerintah, sektor swasta, dan lembaga pendidikan untuk menciptakan ekosistem kewirausahaan yang inklusif dan berkelanjutan. Saran yang diajukan meliputi diversifikasi pelatihan, pendampingan jangka panjang, peningkatan akses teknologi, dan evaluasi berkala terhadap program yang dijalankan.
Co-Authors Abdul Hamid Ade Sofyan Mulazid Ade Suherlan, Ade Ali Rama Almi, Ridho Fikri Arifannisa, Arifannisa Brahma, Ismail Akbar Didin Hikmah Perkasa Erika Amelia Euis Amalia Farhan, Muhammad Gusti Febriansyah Febriansyah Harfian, Muhammad Juang Haryanti, Enny Hegar Harini Herlina Herlina Herlina Intan Lilis Sugiarti Kurniastuti, Cahyani masrum masrum Megawati Miftah Hur Rahman Zh Muhammad Iman Kurniawan Norkhakim, Norkhakim Pandaryasi, Henny Prananosa, Ahmad Gawdy Roikhan Mochamad Aziz, Roikhan Mochamad Siahaan, Trioksa Sofyan Rizal, Sofyan Sulistianingsih Supriyono Supriyono Utami, Purwani Puji