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All Journal Jurnal Ekonomi & Studi Pembangunan Semesta Teknika EL-BANAT: Jurnal Pemikiran dan Pendidikan Islam Jurnal Dimensi Pendidikan dan Pembelajaran Shirkah: Journal of Economics and Business ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi Ihtifaz: Journal of Islamic Economics, Finance, and Banking SANGKEP: Jurnal Kajian Sosial Keagamaan Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat PEDULI: Jurnal Imiah Pengabdian Pada Masyarakat Justisia Ekonomika Jurnal Maps (Manajemen Perbankan Syariah) Journal of Appropriate Technology for Community Services Jurnal Hukum Ekonomi Syariah Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Dikmas: Jurnal Pendidikan Masyarakat dan Pengabdian Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan INTERNATIONAL JOURNAL OF EDUCATION, INFORMATION TECHNOLOGY, AND OTHERS Automotive Experiences Jurnal Pengabdian Multidisiplin Jurnal Agroteknologi Pertanian dan Publikasi Riset Ilmiah (JAPPRI) Seminar Nasional Produk Terapan Unggulan Vokasi Journal of Artificial Intelligence and Digital Business WORLDVIEW ( Jurnal Ekonomi Bisnis dan Sosial Sains ) INCOME : Jurnal Akuntansi dan Keuangan
Riduwan Riduwan, Riduwan
Universitas Muhammadiyah Surabaya
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Mechanical Engineering Public Health Social Sciences Transportation Other

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Literasi Keuangan Syariah: Bahaya Pinjaman Online terhadap Agama dan Ekonomi Riduwan, Riduwan; Pakarti, Muhammad Sang Aji; Amrullah, Amrullah
Jurnal Pengabdian Multidisiplin Vol. 4 No. 1 (2024): Jurnal Pengabdian Multidisiplin
Publisher : Kuras Institute & Scidac Plus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51214/00202404827000

Abstract

Lembaga Keuangan yang mampu menjangkau lapisan masyarakat paling bawah memiliki dampat yang tinggi dalam meningkatkan inklusi keuangan. Dibutuhkan mekanisme keuangan yang memiliki kemudahan prosedur dan kecepatan pelayanan, supaya masyarakat dapat mengakses dan memenuhi kebutuhan pendanaannya. Pengabdian pada masyarakat ini dilaksanakan dengan metode presentasi dan diskusi kelompok yang dipandu oleh mahasiswa. Sasarannya adalah masyarakat di dusun Mriyan Kapanewon Kretek, Bantul, DI. Yogyakarta. Program pengabdian tersebut merupakan satu rangkaian dengan kegiatan KKN Reguler Mahasiswa Universitas Ahmad Dahlan tahun 2024. Hasil dari pengabdian ini menunjukkan adanya peningkatan pemahaman dan kesadaran masyarakat tentang pinjaman online dan keuangan Syariah. Pinjaman online konvensional dengan berbagai kemudahan dan fasilitas yang ditawarkan, dapat meningkatkan literasi keuangan, tetapi disisi lain dapat merugikan masyarakat. Rekomendasi dari pengabdian ini adalah pentingnya menggunakan pinjaman online syariah atau Koperasi Syariah, BMT, dan BPRS sebagai alternatif keuangan.
Integrasi Agama dan Sains dalam Sistem Pendidikan Model Kuttab Riduwan, Riduwan; Mahmud, Amir
EL-BANAT: Jurnal Pemikiran dan Pendidikan Islam Vol. 13 No. 1 (2023): Juni
Publisher : Sekolah Tinggi Agama Islam YPBWI Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54180/elbanat.2023.13.1.85-104

Abstract

With the rise of curriculum-based religious education which is guided by memorization and mastery of reading and studying the Koran in elementary age children, education today is only oriented towards diplomas and tactical-mechanical abilities. Education during the time of the Prophet apart from teaching the ability to write and study the Koran also taught Adab and Faith, something that is rarely found in education today. However, along with developments in the era of the Prophet's era, education which was realized in the Kuttab education system was not enough to answer the challenges of the times, therefore Kuttab education must also be adaptive by integrating religious education in Kuttab with general knowledge content, or in other words, integrating religion and science. This research aims to describe the Kuttab model Islamic Education System, understand the integration between science and religion, and determine the qualifications of Al Fatih Malang kuttab model Islamic education graduates. This research uses a qualitative case study type approach. The results of this research show an integrative learning model in religious education. The Iman morafaqot curriculum in discussing science can be combined thematically with Al-Qur'an learning (Tadabbur), and mufarroqot in Al-Qur'an learning which is integrated with scientific observations. Kuttab Al Fatih Malang applies the relationship between science and religion with the principles of faith and the Koran. Implementation of the relationship between science and religion takes the form of habituation, namely the habituation of the muroja'ah of the Qur'an, and the implementation of 3S (Greetings, Smiles, Greetings).
Correlation of Planning with Budgeting Systems in Education Nurlina, Nunung; Riduwan, Riduwan; Mufarrohah, Fatihatul
International Journal of Education, Information Technology, and Others Vol 7 No 2 (2024): International Journal of Education, information technology   and others (IJEIT)
Publisher : Peneliti.net

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10963426

Abstract

This article was prepared with the aim of explaining the correlation between planning and budgeting systems in education. This writing uses qualitative methods. The results of this research conclude that planning and budgeting systems are closely related. With good budget planning, it can certainly lead to mutually desired educational goals
Penerapan Model Kooperatif Tipe Jigsaw pada Menulis Teks Berita Siswa Kelas VII B SMP Negeri 15 Muaro Jambi Riduwan, Riduwan; Harahap, Eddy Pahar; Saputra, Ade Bayu
JURNAL DIMENSI PENDIDIKAN DAN PEMBELAJARAN Vol 12: Special Issue No. 1 (2024)
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/dpp.v12i1.9611

Abstract

Sulitnya siswa dalam memahami teks berita dianggap menjadi kendala dalam kegiatan pembelajaran terutama dalam penulisannya dan faktor kegiatan pembelajaran yang kurang efektif sehingga siswa menjadi pasif dan hanya bergantung pada guru. Tujuan penelitian ini adalah untuk mendeskripsikan penerapan model pembelajaran kooperatif tipe jigsaw dalam pembelajaran teks berita. Metode penelitian ini adalah pendekatan kualitatif dengan jenis penelitian deskriptif. Sumber data dalam penelitian ini adalah modul ajar, evaluasi, wawancara, observasi, dan dokumentasi, sedangkan teknik pengumpulan data berupa observasi, wawancara, dokumentasi. Berdasarkan hasil penelitian modul ajar yang dibuat oleh guru memuat semua komponen modul ajar yang sesuai dengan kurikulum merdeka.  Selain itu, kegiatan pembelajaran telah terlaksana dengan baik sesuai dengan modul ajar dan langkah-langkah penerapan model kooperatif tipe jigsaw mulai dari pengelompokan siswa, pemberian materi, pemberian tanggung jawab, pengelompokan siswa dengan materi yang sama, presentasi siswa ke kelompok awal, guru merefleksi, mengevaluasi, dan menutup kegiatan pembelajaran sehingga menghasilkan kegiatan pembelajaran yang efisien.
Islamic Bank Customer Satisfaction and Services During the COVID-19 Pandemic Riduwan, Riduwan; Setyono, Hendro; Yuliana, Monikka; Jannah, Siti Salma Miftahul
Jurnal Ekonomi & Studi Pembangunan Vol 23, No 1: April 2022
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.v23i1.13796

Abstract

The COVID-19 pandemic has negatively impacted the Islamic banking industry by increasing non-performing financing, decreasing savings, and weakening annual performance. This condition, if not anticipated, can lead to bankruptcy. Therefore, customers need to get the best service so that their loyalty is maintained even though the conditions of Islamic banks are difficult. This study analyses customer satisfaction toward Islamic banks services during the COVID-19 pandemic. The respondents are 308 customers. The sampling method uses purposive sampling, and the data processing uses the Customer Satisfaction Index (CSI) model. The results of this study indicate that customers are satisfied with Islamic banks' services. So, they are willing to recommend other parties to become bank customers, not transfer funds to other Islamic banks, will not move to conventional banks, and not withdraw deposits. However, this study has limitations because it has not included social performance as a factor that affects loyalty. In addition, most respondents are Muslim, so future research is recommended to analyze satisfaction by including these two factors. Furthermore, these findings provide value for policy implications and recommendations for Islamic banks and stakeholders to increase satisfaction and service.
Potential of Grocery Bags Plastic Waste as a Fuel Substitute for Fossil-Based Fuels: A Characterization Study on the Non-Catalytic Low-Temperature Pyrolysis Process Daryanto, Eka; Ampera, Dina; Matondang, Zulkifl; Simanjuntak, Janter Pangaduan; Tambunan, Bisrul Hapis; Idroas, Mohamad Yusof; Zulkifli, Nurin Wahidah Binti Mohd; Zainon, Mohamad Zamri; Riduwan, Riduwan
Automotive Experiences Vol 7 No 3 (2024)
Publisher : Automotive Laboratory of Universitas Muhammadiyah Magelang in collaboration with Association of Indonesian Vocational Educators (AIVE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/ae.12099

Abstract

Currently, pyrolysis is the primary choice for addressing the significant problems caused by plastic waste. Temperature and catalysts are the main parameters in pyrolysis. However, using catalysts can become a serious problem when scaling up production capacity, as the process can become more complex and expensive due to the high cost of catalysts. Without a catalyst, the required pyrolysis temperature must be sufficiently high to achieve high-quality pyrolytic fuel oil. In this work, plastic grocery bag is pyrolyzed followed by distillation to produce a liquid similar to conventional fuel, called distillate plastic fuel. Non-catalyst and low-temperature pyrolysis was performed at a single temperature of 350 °C, followed by distillation at temperatures of 250 °C and 350 °C to determine the effect of distillation temperature on the chemical properties of the obtained distilled fuel. Elemental and composition analyses were conducted using the GCMS method. Results indicated that the chemical properties and composition of distilled plastic fuel are similar to diesel fuel with a heating value of approximately 43.362 to 44.364 MJ/kg.
Literasi Keuangan dan Keamanan dalam Keputusan Penggunaan QRIS pada UMKM di Yogyakarta Kumalasari, Ratna Dewi; Riduwan, Riduwan; Sutanto, Aftoni
ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi Vol 8, No 2 (2024): Oktober
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/iso.v8i2.2899

Abstract

Penelitian ini bertujuan untuk mengeksplorasi dan menganalisis pengaruh literasi keuangan dan keamanan terhadap keputusan penggunaan ǪRIS pada UMKM di Yogyakarta. Penelitian ini menggunakan pendekatan kuantitatif asosiatif. Data primer diperoleh melalui penyebaran kuesioner secara daring kepada 106 responden yang dipilih dari pelaku UMKM di Yogyakarta dengan menggunakan metode purposive sampling. Analisis data menggunakan teknik regresi linear berganda. Hasil penelitian ini menunjukkan bahwa literasi keuangan dan keamanan secara signifikan mempengaruhi keputusan penggunaan ǪRIS oleh pelaku UMKM di Yogyakarta. Hasil uji t dan uji F mengonfirmasi bahwa literasi keuangan yang baik dan keamanan yang tinggi masing-masing memiliki dampak positif terhadap keputusan adopsi ǪRIS, dan keduanya secara bersamaan menunjukkan pengaruh yang signifikan. Hal ini menegaskan bahwa untuk meningkatkan adopsi ǪRIS, penting bagi pelaku UMKM untuk memiliki pemahaman keuangan yang memadai serta merasa yakin mengenai keamanan sistem yang digunakan.
The Influence of Organizational Culture and Work Environment on Job Satisfaction of Sharia Insurance Employees in Surabaya Riduwan, Riduwan
WORLDVIEW ( Development economic and sharia studies journal ) Vol 3 No 2 (2024): WORLDVIEW ( Jurnal Ekonomi Bisnis dan Sosial Sains ) 
Publisher : Fakultas Ekonomi dan Bisnis Universitas Wijaya Putra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38156/worldview.v3i2.460

Abstract

Employee satisfaction is an important factor that can influence organizational productivity and performance. This research aims to analyze the influence of organizational culture and work environment on employee satisfaction. The research method uses a quantitative approach with data collection techniques using questionnaires. The research sample was 50 employees of Sharia Insurance Companies in Surabaya. The data analysis technique uses multiple regression analysis and classical assumption tests consisting of normality tests, multicollinearity tests and heteroscedasticity tests. The results of the analysis show that both organizational culture and work environment have a significant positive influence partially and simultaneously on employee satisfaction
Corporate Governance Strategies for Navigating the VUCA Era: A Case Study of BPRS Barokah Dana Sejahtera Yogyakarta Edi Sunarto; Riduwan, Riduwan; Aftoni Sutanto
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v8i1.12918

Abstract

Introduction: Governance is a crucial aspect of financial institutions, including Islamic rural banks (BPR Syariah), to ensure sustainability and competitiveness. PT. BPR Syariah Barokah Dana Sejahtera faces challenges in governance implementation, particularly in the VUCA (Volatility, Uncertainty, Complexity, and Ambiguity) era. Several obstacles, such as inconsistency, insufficiently comprehensive governance guidelines, and lack of intensive socialization, hinder the effectiveness of governance practices. Purpose: This study aims to examine the implementation of governance at PT. BPR Syariah Barokah Dana Sejahtera and formulate strategies to optimize governance practices in response to the challenges of the VUCA era. Methodology: This research employs a qualitative approach with a case study method. Data were collected through observations, document analysis, and interviews. The analysis process follows a structured approach, including data collection, data reduction, data presentation, and conclusion verification. Findings: The study identifies key challenges in governance implementation, including inconsistency, incomplete governance guidelines, and inadequate socialization efforts. Strategies to strengthen governance in the VUCA era are explored, covering aspects such as self-assessment results, governance strengthening, technology and digitalization strategies, risk management, competitiveness enhancement through product innovation, collaboration and synergy strategies, as well as strategies for adapting to regulations and the business environment. Paper Type: Research Article. Keywords: BPR Syariah; Digitalization; Governance; Risk Management; Vuca.
Efektivitas Eksekusi Jaminan Hak Tanggungan pada Pembiayaan Bermasalah di Bank Tabungan Negara Kantor Cabang Syariah Solo Meylawati, Dani Dwi; Wijaya, Andy Putra; Riduwan, Riduwan; Adha, Mufti Alam
Jurnal Hukum Ekonomi Syariah Vol. 7 No. 2 (2024): Oktober
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam, Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jhes.v7i2.22583

Abstract

Financial institutions, including the branch office of BTN Syariah in Solo City, often face non-performing financing. One strategy the branch office of BTN Syariah in Solo City uses to resolve non-performing financing is to execute the mortgage guarantee, which is carried out as the last alternative. This research aims to determine the effectiveness of strategies to overcome obstacles in implementing the execution of the mortgage guarantee for non-performing financing at the branch office of BTN Syariah in Solo City. This field research uses a descriptive qualitative approach. The object of this research is the branch office of BTN Syariah in Solo City. The primary and secondary data sources are collected through observation, interviews, documentation, and triangulation. The results state that the execution of the mortgage guarantee on non-performing financing at the branch office of BTN Syariah in Solo City has yet to be said to be effective. The strategy to overcome obstacles in implementing the execution of mortgage guarantees carried out by the branch office of BTN Syariah in Solo City is visiting a notary and attempting to rescue the non-performing financing, continuing to sell the collateral until it is sold with no period, and trying to cooperate and ensuring that the steps in the execution process are under legal provisions. Meanwhile, the strategy to overcome obstacles carried out by the State Property and Auction Services Office (KPKNL) is proposing additional auction officials to maximize services. In addition, KPKNL is collaborating with various parties to organize outreach regarding the procedures for bidding for auctions and updating regulations related to auctions.
Co-Authors Aftoni Sutanto Amir Mahmud Amrullah Amrullah Arief Kurniawan Aristyanto, Erwan Azizah, Markhamah Watianur Bisrul Hapis Tambunan, Bisrul Hapis Cecep Kusmana Chandra Kartika, Chandra Danupranata, Gita DINA AMPERA Eddy Pahar Harahap Edi Sunarto Eka Daryanto, Eka Fitroh Adhilla Hendro Setyono Idroas, Mohamad Yusof Ikhsan Wibowo, Muhammad Isnaniati Isnaniati, Isnaniati Jannah, Siti Salma Miftahul Labaika, Sindi Lu'liyatul Mutmainah Maruf, Farid Maslihatin, Aini Matondang, Zulkifl Meylawati, Dani Dwi Mufarrohah, Fatihatul Nurdiyanti, Eva Nurlina, Nunung Nurmi Hidayasari Okka Adiyanto Pakarti, Muhammad Sang Aji Priyono Puji Prasetyo, Priyono Puji Ratna Dewi Kumalasari, Ratna Dewi Rifan, Akhmad Arif Roisatul Amanah, Riza Rudiatno, Rudiatno Saputra, Ade Bayu Simanjuntak, Janter Pangaduan Siti Mujibatun Suhariningsih, Lilik Tri Joko Raharjo Tri Suminar Urrofik, Safira Arbella Aurell Wahyudi, Rofiul Wijaya, Andy Putra Yudi Siswanto Yuliana, Monikka Zaini Tamin AR, Zaini Tamin Zainon, Mohamad Zamri Zulkifli, Nurin Wahidah Binti Mohd