Garuda - Garba Rujukan Digital

Inklusi Keuangan dan Literasi Keuangan Syariah di Era Digital: Analisis Dampaknya terhadap Pertumbuhan Ekonomi M. Wanri Wahyudin; Mastur Mastur; Vivi Ulfatul Aziz; Sutia Arini; Rima Devi Yani
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i8.12937

The development of digital technology has driven transformation in the financial system, including within the Islamic finance sector. In this context, Islamic financial literacy and financial inclusion are important factors that can enhance public participation in the formal financial system and support economic growth. However, the levels of Islamic financial literacy and financial inclusion among the public remain relatively low, which may hinder the optimal contribution of Islamic finance to the economy. This study aims to analyze the impact of Islamic financial literacy and financial inclusion on economic growth in the digital era. The research employs a quantitative approach using multiple linear regression analysis with the assistance of SPSS software. The data were collected through questionnaires distributed to respondents who met the research criteria. The results show that Islamic financial literacy has a positive and significant effect on economic growth, indicating that increased public understanding of Islamic financial concepts and products can encourage more productive economic activities. Furthermore, financial inclusion also has a positive and significant effect on economic growth, suggesting that broader access to formal financial services contributes to increased economic activity. The findings of this study indicate that improving Islamic financial literacy and expanding access to financial services, particularly through digital financial technology, can serve as an important strategy in promoting more inclusive and sustainable economic growth.

Kepemimpinan Digital Berbasis Tradisi Pesantren: Transformasi Tata Kelola dan Manajemen Pesantren Modern Sofwan Manaf; Hasim Abdul Jamil; Mastur Mastur; Towil Akhiruddin; Arizqi Arizqi
Bustanul Ulum Journal of Islamic Education Vol. 4 No. 1 (2026): Bustanul Ulum Journal of Islamic Education
Publisher : Sekolah Tinggi Ilmu Tarbiyah Bustanul `'Ulum Lampung Tengah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62448/bujie.v4i1.596

Islamic boarding schools (pesantren) in Indonesia face increasing pressure to adopt digital technologies while preserving their traditional values. However, no systematic digital leadership model has yet integrated these seemingly opposing poles. This study aims to identify how traditional pesantren values are integrated into a digital leadership framework, analyze the challenges and supporting factors for implementation, and evaluate the impact of such a model on governance quality and organizational sustainability. A qualitative single case study design was employed, with data collected through semi-structured interviews at Pondok Pesantren Darunnajah, Jakarta. The findings reveal that values such as Panca Jiwa (sincerity, simplicity, self-reliance, Islamic brotherhood, and freedom) are systematically integrated into digital systems including cashless payments, E-Reports, virtual accounts, and the Darunnajah Smart System. Major challenges include resistance to change, infrastructure disparities, low digital literacy among senior teachers, and balancing digital efficiency with humanistic values. Supporting factors include committed kiai leadership, systematic cadre development, active alumni networks, economic self-reliance, and standardized procedures. The model significantly enhances transparency, accountability, participation, and organizational sustainability. This study concludes that tradition-based digital leadership is not only possible but proven successful, with digitalization serving as an instrument for preserving—not eroding traditional pesantren identity.

Pengaruh Kualitas Pelayanan dan Persepsi Harga terhadap Kepuasan Konsumen Grosir 62 Darunnajah Dahlan; Mastur; Mu’adz
Jurnal Manajemen Bisnis Vol. 1 No. 4 (2026): Juli-September
Publisher : Samudra Ilmu Indonesia

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Penelitian ini bertujuan untuk menganalisis pengaruh kualitas pelayanan dan persepsi harga terhadap kepuasan konsumen di Grosir 62 Darunnajah, unit usaha ritel yang dikelola oleh Pondok Pesantren Darunnajah. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei kausalitas. Data dikumpulkan melalui kuesioner berskala Likert 1–4 yang disebarkan kepada 96 konsumen Grosir 62 Darunnajah yang dipilih dengan teknik purposive sampling. Analisis data dilakukan menggunakan SPSS, meliputi uji validitas, uji reliabilitas, uji asumsi klasik, analisis regresi linear berganda, uji t, uji F, dan uji koefisien determinasi. Hasil penelitian menunjukkan bahwa kualitas pelayanan dan persepsi harga masing-masing berpengaruh positif dan signifikan terhadap kepuasan konsumen, baik secara parsial maupun simultan. Nilai Adjusted R Square sebesar 0,742 menunjukkan bahwa 74,2% variasi kepuasan konsumen dapat dijelaskan oleh kedua variabel tersebut, sedangkan 25,8% sisanya dipengaruhi oleh faktor lain di luar model. Berdasarkan nilai koefisien regresi (standardized beta), kualitas pelayanan terbukti menjadi prediktor yang lebih dominan dibandingkan persepsi harga, dengan nilai beta sebesar 0,590 berbanding 0,323. Temuan ini mengimplikasikan bahwa pengelola Grosir 62 Darunnajah perlu memprioritaskan peningkatan kualitas pelayanan sekaligus menjaga kebijakan harga yang kompetitif dan transparan, sebagai upaya untuk mendukung kepuasan dan loyalitas konsumen secara berkelanjutan.

Pengaruh Reward dan Motivasi Intrinsik Terhadap Kinerja Karyawan Mega Muhardi; Mawaddatul Ulya; Mastur
Jurnal Manajemen Bisnis Vol. 1 No. 4 (2026): Juli-September
Publisher : Samudra Ilmu Indonesia

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Penelitian ini bertujuan menganalisis pengaruh Reward dan Motivasi Intrinsik terhadap Kinerja Karyawan pada Unit Usaha Pondok Pesantren Darunnajah Jakarta. Penelitian menggunakan pendekatan kuantitatif dengan desain kausal. Populasi berjumlah 110 karyawan dan 95 karyawan yang memenuhi kriteria purposive sampling menjadi responden. Data dikumpulkan melalui kuesioner skala Likert empat poin dan dianalisis menggunakan regresi linear berganda, uji t, uji F, serta koefisien determinasi dengan SPSS 25. Hasil menunjukkan Reward berpengaruh positif dan signifikan terhadap Kinerja Karyawan (t = 2,605; p = 0,011), sedangkan Motivasi Intrinsik juga berpengaruh positif dan signifikan (t = 5,068; p < 0,001). Secara simultan, Reward dan Motivasi Intrinsik berpengaruh signifikan terhadap Kinerja Karyawan (F = 35,002; p < 0,001). Nilai Adjusted R Square sebesar 0,420 menunjukkan bahwa model menjelaskan 42,0% variasi Kinerja Karyawan. Motivasi Intrinsik memiliki pengaruh relatif lebih kuat berdasarkan koefisien beta terstandar.

The Relationship Between Assessor Training and Organizational Readiness For LSP Implementation In Higher Education Institutions Mastur; Fajar Suryono Rahmani; Muhammad Irfanudin Kurniawan; Abdul Chatim Pramono
International Journal of Management and Business Economics Vol. 5 No. 1 (2026): October
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/ijmebe.v5i1.2508

This study aims to analyze the relationship between assessor training and organizational readiness for the implementation of Professional Certification Bodies (LSPs) in higher education institutions. The study employed a quantitative approach with a cross-sectional design. A total of 23 prospective LSP assessors at Universitas Darunnajah participated as respondents using a saturated sampling technique. Data were collected through a Likert-scale questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The measurement model evaluation showed that all indicators met the established validity and reliability criteria based on outer loadings, Average Variance Extracted (AVE), Cronbach’s alpha, and Composite Reliability. The structural model analysis indicated that assessor training had a positive and significant relationship with organizational readiness for LSP implementation, with a t-statistic of 2.003 (>1.960) and a p-value of 0.045 (<0.05). The R-squared value of 0.321 indicates that the model explains 32.1% of the variance in organizational readiness, while the remaining 67.9% is not explained by the variables included in the model. These findings suggest that assessor training is one of the factors associated with organizational readiness in preparing for LSP implementation in higher education institutions. Therefore, comprehensive and continuous training, reinforced by organizational support and post-training mentoring, is an important aspect of strengthening readiness for LSP implementation. Future research may extend the model by incorporating organizational factors, management support, mentoring, and environmental factors to provide a more comprehensive understanding of organizational readiness for LSP implementation.

Kepemimpinan Digital Berbasis Tradisi Pesantren: Transformasi Tata Kelola dan Manajemen Pesantren Modern Sofwan Manaf; Hasim Abdul Jamil; Mastur Mastur; Towil Akhiruddin; Arizqi Arizqi
Bustanul Ulum Journal of Islamic Education Vol. 4 No. 1 (2026): Bustanul Ulum Journal of Islamic Education
Publisher : Sekolah Tinggi Ilmu Tarbiyah Bustanul `'Ulum Lampung Tengah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62448/bujie.v4i1.596

Islamic boarding schools (pesantren) in Indonesia face increasing pressure to adopt digital technologies while preserving their traditional values. However, no systematic digital leadership model has yet integrated these seemingly opposing poles. This study aims to identify how traditional pesantren values are integrated into a digital leadership framework, analyze the challenges and supporting factors for implementation, and evaluate the impact of such a model on governance quality and organizational sustainability. A qualitative single case study design was employed, with data collected through semi-structured interviews at Pondok Pesantren Darunnajah, Jakarta. The findings reveal that values such as Panca Jiwa (sincerity, simplicity, self-reliance, Islamic brotherhood, and freedom) are systematically integrated into digital systems including cashless payments, E-Reports, virtual accounts, and the Darunnajah Smart System. Major challenges include resistance to change, infrastructure disparities, low digital literacy among senior teachers, and balancing digital efficiency with humanistic values. Supporting factors include committed kiai leadership, systematic cadre development, active alumni networks, economic self-reliance, and standardized procedures. The model significantly enhances transparency, accountability, participation, and organizational sustainability. This study concludes that tradition-based digital leadership is not only possible but proven successful, with digitalization serving as an instrument for preserving—not eroding traditional pesantren identity.

JOB PLACEMENT AND TRAINING QUALITY ON EMPLOYEE PERFORMANCE: ORGANIZATIONAL COMMITMENT IN ISLAMIC BOARDING SCHOOLS Mastur; Wawan Prahiawan; Roni Kambara; Fajar Suryono; M. Wanri Wahyudin
TADBIRUNA: Jurnal Manajemen Pendidikan Islam Vol 6 No 1 (2026): TADBIRUNA
Publisher : Program Studi Manajemen Pendidikan Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/jurnalmanajemenpendidikanislam.v6i1.2994

This study aims to examine the influence of employee placement and training quality on employee performance in Islamic boarding schools (pesantren), with employee commitment as a mediating variable. The main issue addressed is the low effectiveness of placement and training in enhancing employee performance and graduate quality. The study employed a quantitative approach with a causality design. The population consisted of 83 pesantren employees, all included using a saturated sampling technique. Data were collected through questionnaires, interviews, documentation, and direct observation. Data analysis was conducted using Partial Least Squares (PLS), including outer model testing for validity and reliability and inner model assessment to evaluate relationships among variables and mediation effects. The results indicate that employee placement has a positive but not significant effect on performance, while training quality has a positive and significant impact. Both placement and training significantly influence employee commitment, which in turn mediates the relationships between placement and training and employee performance. The mediation is partial for placement and full for training quality, highlighting the crucial role of commitment in enhancing HR intervention effectiveness. Employee performance can be optimally improved through effective placement and high-quality training if supported by strong employee commitment. Pesantren should adjust placement and training strategies to strengthen loyalty, motivation, and dedication, thereby sustainably improving graduate quality

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