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Analisis Faktor yang Mempengaruhi Minat Masyarakat dalam Memilih Produk Asuransi Takaful Dana Pendidikan Vianti, Milda Novita; Lating, Ade Irma Suryani; Muflihin, Mohammad Dliyaul; Muttaqin, Muh. Syaukin
Innovative: Journal Of Social Science Research Vol. 4 No. 5 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i5.11615

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi minat masyarakat dalam memilih produk asuransi takaful dana pendidikan, dengan fokus pada cabang Surabaya dari PT. Asuransi Takaful Keluarga. Studi ini mengidentifikasi dan menganalisis empat faktor utama yang diyakini memainkan peran penting dalam keputusan memilih asuransi takaful dana pendidikan, yaitu faktor produk, promosi, pendapatan, dan religiusitas. Melalui pengumpulan data dari sejumlah responden yang potensial atau telah menjadi peserta asuransi takaful dana pendidikan, penelitian ini menggunakan berbagai metode analisis statistik untuk mengukur pengaruh faktor-faktor ini terhadap minat masyarakat dalam memilih produk tersebut. Hasil penelitian menunjukkan bahwa faktor produk, promosi, dan pendapatan memiliki pengaruh yang signifikan terhadap minat masyarakat untuk memilih produk asuransi takaful dana pendidikan. Selain itu, religiusitas juga ditemukan memiliki dampak yang positif terhadap minat masyarakat, mengingat sifat asuransi takaful yang sesuai dengan prinsip-prinsip syariah. Temuan ini memiliki implikasi penting bagi perusahaan asuransi, khususnya PT. Asuransi Takaful Keluarga, dalam mengembangkan strategi pemasaran yang lebih efektif. Kata kunci : minat masyarakat, asuransi takaful, faktor-faktor pengaruh
Refleksi Standar Akuntansi Pemerintah dalam Manifestasi Good Governance Nufaisa; Lating, Ade Irma Suryani; Muflihin, Mohammad Dliyaul
Akuntansi: Jurnal Akuntansi Integratif Vol. 8 No. 2 (2022): Volume 8 Nomor 2 Oktober 2022
Publisher : Prodi Akuntansi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29080/jai.v8i2.1068

Abstract

This study aims to understand the implementation of government accounting standards in realizing good governance in Gunung Anyar District, Surabaya in terms of human resource competence. The research material consists of the characteristics of accrual-based financial statements, as well as the principles of good governance. This research is a qualitative research. Data collection techniques were carried out by observation, interviews and documentation studies. There were three informants selected, namely the sub-district head, the general and staffing section, and the finance section. An interpretive approach is used to describe a deep understanding of the process of government accounting standards in terms of the competence of its human resources to realize good governance in Gunung Anyar District, Surabaya. The results of this study are that in general accrual basis government accounting standards have been carried out well although in some cases further improvements and improvements are needed. The educational background of the human resources who carry out the accrual basis process, namely the KA Sub Division of Finance, is not appropriate, and it can be said that transparency is due to the fact that financial performance can be accessed via the internet. So that the public knows clearly about the financial statements.
Perekonomian di Masa Dinasti Umayyah: Sebuah Kajian Moneter dan Fiskal Muflihin, Muhammad Dliyaul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 3 No 1 (2020): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v3i1.462

Abstract

At the middle ages is a leadership period of Islamic Daula, it can be said that the Umayyad’s Dynasty was an aggressive dynasty in politics at that time. So many caliphs from the family of the Umayyad’s who led the country at that time. The reign is known as an aggressive era, as evidenced by efforts to expand the region, the expansion will certainly have an impact on fields, one of which is the economic field. This study aims to answer how economic policy patterns are seen from monetary and fiscal aspects at that time. This research uses a qualitative method with descriptive approach. The results of this study are that there are a number of policies carried out by the Umayyad Caliphs such as the Baitul Mal policy, the real sector policy and the regional autonomy policy that had an impact on the economy at that time, especially on monetary and fiscal matters, namely money arrangements and tax.
Measuring the Strength of UIN Sunan Ampel Surabaya in Achieving PTN-BH Buchori, Imam; Muflihin, Mohammad Dliyaul; Junjunan, Mochammad Ilyas
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i1.3934

Abstract

This research focuses on assessing the strength of UIN Sunan Ampel Surabaya as one of the religious state universities with a public service agency towards an incorporated state university (PTN-BH). This research uses a qualitative approach by involving all components of the measurement indicators of the requirements as an incorporated state university, which are combined with qualitative data from observed respondents who understand the data conditions of UIN Sunan Ampel Surabaya. In addition, the benchmarking approach is used through visiting campuses to get expert judgment on indicators that cannot be quantified. The results of this study indicate that from the perspective of organizing quality tri dharma, the strength of UIN Sunan Ampel Surabaya is still not fully feasible to go to PTN-BH, while from the perspective of managing a state university organization based on good governance principles and the perspective of financial feasibility, UIN Sunan Ampel is already feasible to go to PTN-BH. In addition, from the total score value obtained, the accumulated strength of UIN Sunan Ampel Surabaya gets a value of 329.1 above the minimum value of eligibility to become a legal state university of 299.9.
CAPITAL MARKET REACTION TO THE IMPLEMENTATION OF THE 2024 SIMULTANEOUS ELECTION ON THE JAKARTA ISLAMIC INDEX STOCK GROUP Yuriani, Ima; Lating, Ade Irma Suryani; Muflihin, Mohammad Dliyaul
International Journal of Accounting Innovation Vol. 1 No. 2 (2025): June
Publisher : PT ANTIS INTERNATIONAL PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/ijai.v1i2.9

Abstract

Objective: This research is motivated by political phenomena related to the 2024 Simultaneous Elections in Indonesia. This study aims to examine whether the organization of the 2024 Simultaneous Elections provides significant information. A quantitative approach is used by utilizing secondary data, including daily closing prices, JCI index, trading volume, number of shares outstanding, as well as the bid and ask prices of stocks in the Jakarta Islamic Index for seven days before and after the election. Method: Hypothesis testing was conducted using paired sample t-test with Kolmogorov-Smirnov normality test. Results:  The results showed no significant difference in the average stock price, average abnormal return, and average bid-ask spread before and after the election. However, there is a significant difference in the average trading volume activity variable, which indicates the presence of information reflected by these changes. Based on these findings, it can be concluded that the market does not fully respond to election events, as market participants do not seem to consider the information generated as important.  Novelty: This journal examines the combination of several variables found in different studies, as well as hot and crucial phenomena.
DETERMINAN MINAT BELI PADA E-COMMERCE SHOPEE DALAM PERSPEKTIF PERILAKU KONSUMEN ISLAM Rindy Okky Eka Putri; Mohammad Dliyaul Muflihin; Ade Irma Suryani Lating; Maziyah Mazza Basya
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 3 No. 1 (2026): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v3i1.8172

Abstract

This research was conducted to find out how affiliate marketing and online promotions influence the purchasing interest of Shopee e-commerce users from the perspective of Islamic consumer behavior. With primary data obtained through questionnaires and the number of samples used was 100 respondents using purposive sampling techniques. In processing and analyzing the data, SPSS version 27 software was used through multiple linear regression analysis tests. The test results are that affiliate marketing and online promotions partially or simultaneously have a positive and significant influence on consumer buying interest of Shopee e-commerce users. However, in Islamic consumer behavior, the level of purchasing interest must still be adjusted to Islamic values and principles of Islamic consumption. These include making purchases of halal and good products, when making purchases, Islamic consumers are not easily influenced by promotions, buy products that suit their needs, and avoid unplanned purchases. This is the difference between Islamic consumption behavior and conventional consumption behavior.
TANTANGAN PENGIMPLEMENTASIAN LAPORAN KEUANGAN SESUAI SAK-EMKM PADA UMKM BATIK JETIS SIDOARJO Handayani, Astrid Tri Safira; Salsabila, Shofiyah Nugraha; Hanifah, Fitrotunnisa Nur; Azzahru, Dewi; Prastiwi, Niken; Lating, Ade Irma Suryani; Aristantia, Selvia Eka; Muflihin, Mohammad Dliyaul; Yudhanti, Ashari Lintang; Junjunan, Mochammad Ilyas
Jurnal AbdiMas Nusa Mandiri Vol. 8 No. 1 (2026): Periode Januari 2026
Publisher : LPPM Universitas Nusa Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33480/abdimas.v8i1.6500

Abstract

The community service in Batik Jetis Sidoarjo MSMEs aims to provide an understanding to business actors about the importance of implementing the Financial Accounting Standards for Micro, Small and Medium Entities (SAK EMKM). In addition, this activity also includes assistance for MSME players in implementing SAK EMKM, which plays an important role in improving the quality of their financial statements. The problem faced by craftsmen in Kampung Jetis is the lack of ability and knowledge of business actors related to the implementation of effective accounting. Therefore, this assistance is expected to help them understand and apply accounting better to support the sustainability of their business. This service method is carried out in 3 stages, including: Observation, Socialization, and Assistance. The results of observations and interviews show that the majority of MSME actors do not understand standardized financial records and still use simple bookkeeping. Socialization was carried out through basic accounting training, followed by pretest and posttest to measure the increase in understanding. Furthermore, mentoring was provided to two MSME players, namely Bu Ratna and Pak Rinaldi, with a focus on digitizing financial records and separating business and personal assets. The results of this program show that intensive education and mentoring are necessary for MSMEs to effectively implement SAK-EMKM.
Analisis Tingkat Kesehatan Bank dengan Metode RBBR pada Bank Syariah Indonesia (BSI) pada Periode 2021-2024 Indiy Nufusus Zahro; Mohammad Dliyaul Muflihin
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.29314

Abstract

Penelitian ini bertujuan untuk menilai tingkat kesehatan Bank Syariah Indonesia (BSI) pada periode 20212024 menggunakan metode Risk-Based Bank Rating (RBBR). Penelitian ini menggunakan pendekatan kuantitatif deskriptif dengan memanfaatkan data sekunder berupa laporan keuangan tahunan BSI. Instrumen penelitian terdiri dari rasio-rasio keuangan yang mewakili empat komponen utama dalam RBBR, yaitu Risk Profile, Good Corporate Governance (GCG), Earnings, dan Capital. Teknik analisis data dilakukan melalui perhitungan masing-masing rasio, pengelompokan hasil ke dalam kategori penilaian, serta penarikan kesimpulan berdasarkan komposit kesehatan bank. Hasil penelitian menunjukkan bahwa rasio NPF dan FDR berada dalam kategori sehat, menandakan kemampuan bank dalam mengelola risiko pembiayaan dan likuiditas. Penerapan GCG berada pada predikat sehat, mencerminkan tata kelola yang efektif. Komponen Earnings berada pada kategori sangat sehat melalui nilai NIM, BOPO, dan ROA yang stabil. Selain itu, aspek Capital menunjukkan kondisi sangat sehat dengan rasio CAR yang jauh melebihi batas minimum. Secara keseluruhan, penelitian ini menyimpulkan bahwa BSI berada dalam kondisi sangat sehat dan menunjukkan stabilitas keuangan yang kuat selama periode penelitian.
The Effect of Inflation and Interest Rates on Rupiah Exchange Rate Volatility in Indonesia (2023-2024) Rahmawati, Nur Syarifah; Afriza, Reyhan Dzaki Hafidz; Yuniasih, Rita; Anggraini, Sovita Ayu; Muflihin, Mohammad Dliyaul
JURNAL KEWIRAUSAHAAN, AKUNTANSI DAN MANAJEMEN TRI BISNIS Vol 8 No 1 (2026): Jurnal Kewirausahaan, Akuntansi dan Manajemen Tri Bisnis (JKAMTB)
Publisher : STIE Tri Bhakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59806/jkamtb.v8i1.732

Abstract

This study aims to analyze the effect of inflation and interest rates on rupiah exchange rate fluctuations during the period January 2023–December 2024. The study uses a quantitative approach with multiple linear regression methods on monthly data sourced from the Central Statistics Agency and Bank Indonesia. The independent variables include inflation and interest rates (BI 7-Day Reverse Repo Rate), while the dependent variable is the fluctuation of the rupiah exchange rate against the US dollar. The results show that, both partially and simultaneously, inflation and interest rates do not have a significant effect on the fluctuation of the rupiah exchange rate. This finding indicates that exchange rate dynamics during the study period were more influenced by external pressures than by domestic macroeconomic factors. The scientific contribution of this research lies in presenting the latest empirical evidence on the weakening effectiveness of domestic monetary policy transmission on exchange rate volatility in the context of global monetary tightening. Theoretically, these results confirm that the interest rate parity approach and monetary framework are not always able to explain short-term exchange rate fluctuations when external factors are dominant. The implication is that foreign exchange risk management needs to strengthen hedging strategies, businesses must anticipate potential increases in import costs due to exchange rate volatility, and pricing decisions need to consider exchange rate uncertainty as a strategic factor that is not fully responsive to domestic interest rate policy.
Minimizing Potential Losses in KPR Hijrah Through a 7-Step Approach Rokhmawati, Nor; Muflihin, Mohammad Dliyaul; Buchori, Imam; Lating, Ade Irma Suryani
Jurnal Manajemen dan Penelitian Akuntansi (JUMPA) Vol 19 No 1 (2026): Januari-Juni
Publisher : Sekolah Tinggi Ilmu Ekonomi Cendekia Bojonegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58431/jumpa.v19i1.403

Abstract

This study aims to analyze the risk management strategy of Hijrah Muamalat KPR financing at Bank Muamalat KC Surabaya and the efforts made to minimize potential losses. The research method used is descriptive qualitative, conducted through interviews and direct documentation at Bank Muamalat KC Surabaya. The results show that the implementation of risk management in Hijrah Muamalat KPR financing has been carried out well. The risk management strategy process includes: first, determining the context, which involves understanding customer criteria and marketing networks. Second, risk identification by applying the 5C principle. Third, risk analysis, which evaluates the likelihood of risks occurring and their impact on bank operations. Fourth, risk evaluation with the main focus on maintaining the safety of customer collectability. Fifth, risk management is carried out through telecall activities, customer visits, and restructuring. Sixth, risk monitoring is conducted to periodically observe customer conditions. Seventh, effective communication among teams must be well established. This study implies that a good understanding of customer context and marketing networks can improve the quality of financing analysis. The consistent application of the 5C principle helps the bank select eligible customers, thereby minimizing the possibility of non-performing financing. In addition, structured risk analysis and evaluation encourage more accurate and data-driven decision-making.