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PENGARUH LITERASI KEUANGAN SYARIAH TERHADAP KEPUTUSAN MENGGUNAKAN PRODUK LEMBAGA KEUANGAN SYARIAH Jaelani, Ihrom; Mutaqin, Kikin
El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Vol 3, No 1 (2023): Januari (El-Ecosy: Jurnal Ekonomi dan Keuangan Islam)
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35194/eeki.v3i1.3099

Abstract

ABSTRAKPenelitian ini bertujuan untuk mengetahui tingkat literasi keuangan syariah mahasiswa STAI Putra Galuh Ciamis dan pengaruh literasi keuangan syariah terhadap keputusan menggunakan produk lembaga keuangan syariah. Metode yang digunakan dalam penelitian ini adalah metode survey eksplanatory dengan teknik pengumpulan data menggunakan kuesioner. Populasi dalam penelitian ini yaitu seluruh mahasiswa STAI Putra Galuh Ciamis yang berjumlah 266 mahasiswa dan pengambilan sampel melalui probabilitas sampling. Adapun jumlah sampel dalam penelitian ini adalah 158 Mahasiswa. Analisis data yang digunakan adalah analisis deskriptif untuk mengetahui tingkat literasi keuangan syariah dan analisis regresi linier sederhana untuk mengetahui pengaruh literasi keuangan syariah terhadap keputusan menggunakan produk lembaga keuangan syariah. Hasil penelitian ini menunjukkan bahwa tingkat literasi keuangan syariah Mahasiswa STAI Putra Galuh Ciamis berada pada kategori sedang dengan nilai rata-rata sebesar 2,98 dari skor maksimal 4. Selain itu, literasi keuangan syariah berpengaruh positif terhadap keputusan menggunakan produk lembaga keuangan syariah dengan nilai signifikansinya sebesar 0,000 < 0,05. Adapun kontribusi pengaruh literasi keuangan syariah terhadap keputusan menggunakan produk lembaga keuangan syariah sebesar 36,1%, sedangkan sisanya sebesar 63,9% dipengaruhi oleh variabel lain yang tidak dimasukan dalam penelitian ini. Artinya semakin tinggi tingkat literasi keuangan syariah Mahasiswa STAI Putra Galuh Ciamis, maka akan meningkatkan pengambilan keputusan penggunaan produk lembaga keuangan syariah.ABSTRACTThis study aims to determine the level of Islamic financial literacy of STAI Putra Galuh Ciamis students and the effect of Islamic financial literacy on the decision to use Islamic financial institution products. The method used in this study is an explanatory survey method with data collection techniques using a questionnaire. The population in this study were all STAI Putra Galuh Ciamis students, totaling 266 students and sampling through probability sampling. The number of samples in this study were 158 students. The data analysis used is descriptive analysis to determine the level of Islamic financial literacy and simple linear regression analysis to determine the effect of Islamic financial literacy on the decision to use Islamic financial institution products. The results of this study indicate that the level of Islamic financial literacy of STAI Putra Galuh Ciamis students is in the medium category with an average score of 2.98 out of a maximum score of 4. In addition, Islamic financial literacy has a positive effect on the decision to use Islamic financial institution products with a significant value of 0.000 <0.05. The contribution of the effect of Islamic financial literacy on the decision to use Islamic financial institution products is 36.1%, while the remaining 63.9% is influenced by other variables not included in this study. This means that the higher the level of Islamic financial literacy of STAI Putra Galuh Ciamis students, the higher the decision making on the use of Islamic financial institution products.
PENGARUH CURRENT RATIO DAN TOTAL ASSETS TURN OVER TERHADAP RETURN ON ASSETS Khoer, Misbahul; Mubaarok, Saeful Huda; Jaelani, Ihrom; Acim, Acim; Mutakin, Kikin
Equilibrium: Jurnal Penelitian Pendidikan dan Ekonomi Vol. 21 No. 01 (2024): Equilibrium: Jurnal Penelitian Pendidikan dan Ekonomi
Publisher : Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/equi.v21i01.9197

Abstract

AbstrakTujuan dari penelitian ini adalah untuk mengetahui pengaruh Current Ratio (CR) terhadap Return on Assets (ROA) pada PT. Indofood Sukses Makmur, Tbk dari tahun 2018 hingga 2022, serta pengaruh Turnover Total Assets (TATO) terhadap Return on Assets (ROA) pada PT. Indofood Sukses Makmur, Tbk dari tahun 2018 hingga 2022. Selanjutnya, tujuan dari penelitian ini adalah untuk mengetahui pengaruh Current Ratio (CR) dan Turnover Total Assets (TATO) secara simultan terhadap Return on Assets (ROA) pada PT. Indofood Sukses Makmur, Tbk dari tahun 2018 hingga 2022. Penelitian ini menggunakan metode penelitian kuantitatif, yang merupakan salah satu jenis penelitian yang memiliki spesifikasi yang sistematis, terencana, dan terstruktur dengan jelas sejak awal hingga akhir desain penelitian. Analisis deskriptif, uji asumsi klasik, analisis regresi linier berganda, analisis koefisien korelasi, analisis determinasi, dan pengujian hipotesis adalah beberapa teknik yang digunakan untuk menganalisis data. Hasil penelitian menunjukkan bahwa ada pengaruh Current Ratio (CR) terhadap Return on Assets (ROA) pada PT. Indofood Sukses Makmur, Tbk dari tahun 2018 hingga 2022, serta pengaruh Turnover Total Assets (TATO) terhadap Return on Assets (ROA) pada PT. Indofood Sukses Makmur, Tbk dari tahun 2018 hingga 2022. Selanjutnya, ada pengaruh Current Ratio (CR) dan Turnover Total Assets (TATO) terhadap Return on Assets (RO) pada PT. Indofood Sukses Makmur, Tbk periode 2018-2022. Kata kunci : current ratio; total assets turn over; Return on Assets AbstractThe purpose of this research is to find out the effect of Current Ratio (CR) on Return on Assets (ROA) at PT. Indofood Sukses Makmur, Tbk from 2018 to 2022, as well as the influence of Turnover Total Assets (TATO) on Return on Assets (ROA) at PT. Indofood Sukses Makmur, Tbk from 2018 to 2022. Furthermore, the purpose of this research is to find out the effect of Current Ratio (CR) and Turnover Total Assets (TATO) simultaneously on Return on Assets (ROA) at PT. Indofood Sukses Makmur, Tbk from 2018 to 2022. This research uses a quantitative research method, which is one of the types of research that has systematic, planned, and clearly structured specifications from the beginning to the end of the research design. Descriptive analysis, classical assumption test, multiple linear regression analysis, correlation coefficient analysis, determination analysis, and hypothesis testing are some of the techniques used to analyze the data. The results of the research show that there is an influence of Current Ratio (CR) on Return on Assets (ROA) at PT. Indofood Sukses Makmur, Tbk from 2018 to 2022, as well as the influence of Turnover Total Assets (TATO) on Return on Assets (ROA) at PT. Indofood Sukses Makmur, Tbk from 2018 to 2022. Furthermore, there is an influence of Current Ratio (CR) and Turnover Total Assets (TATO) on Return on Assets (RO) at PT. Indofood Sukses Makmur, Tbk period 2018-2022. Keywords: current ratio; total assets turn over; Return on Assets (roa)
Pendampingan Usaha Bagi Tenaga Kerja Mandiri Pemula (TKMP) Kabupaten Pangandaran: Business Mentoring for Beginner Independent Workers (BIW) of Pangandaran Regency Jaelani, Ihrom; Nur Jamiel, Harun; Acim, Acim
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 10 No. 9 (2025): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v10i9.9836

Abstract

The Beginner Independent Worker (BIW) mentoring program initiated by the Indonesian Ministry of Manpower is an effort to improve the quality and capacity of workers who have just started a business to compete in the market and develop their business independently. In its implementation, this program involves mentors tasked with guiding BIW in solving various aspects of their business problems, from recording business financial reports and marketing to obtaining a Business Identification Number (BIN). The partners in this mentoring activity are BIW in Pangandaran Regency, totaling 19 people. Mentoring activities are carried out offline and online through the stages of preparation, implementation of mentoring, and monitoring or evaluation. The mentoring results show that BIW can make notes on business financial reports, utilize social media to expand marketing reach, and have NIB as proof that the business that BIW runs is official/legal. Overall, this program seeks to create a sustainable entrepreneurial ecosystem, reduce unemployment and improve community welfare, and encourage inclusive economic growth, especially in Pangandaran Regency and generally in Indonesia.
ANALISIS PERAN PEMBELAJARAN SENI RUPA DALAM MENGEMBANGKAN KREATIVITAS SISWA SEKOLAH DASAR Rukoyah, Siti; Nursobah, Asep; Jaelani, Ihrom
Jurnal Intisabi Vol 3 No 1 (2025): September 2025
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/itsb.v3i1.181

Abstract

Students’ creativity is the ability to generate original and meaningful works of art. This study aims to know the role of fine arts learning in developing the creativity of 4th grade students at SDN 1 Langkapsari, and to know the diffulties and solutions to the role of fine arts learning in developing students’ creativity at SDN 1 Langkapsari. This study employs a qualitative method under a phenomenological approach. The findings showed that visual art learning using a practice-based approach and freedom of expression is effective to foster students’ enthusiasm, imagination, and confidence in creating artwork. Although there were some difficulties such as lack of experience, limited imagination, and low of self-confidence, those difficulties were successfully overcome through a free thematic strategy based on students’ personal experiences. In addition, the teacher’s role as a facilitator was the key to develop students’ creativity and courage.
Pelatihan Pemanfaatan Buah Pala menjadi Manisan Pala yang Bernilai Jual Tinggi: Training on Nutmeg Utilization into Candied Nutmeg with High Selling Value Jaelani, Ihrom; Purbayani, Rini; Tya, Sandi
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 9 No. 9 (2024): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v9i9.7425

Abstract

This service is motivated by the fact that Kalijaya Village, Banjaranyar District, Ciamis Regency, is one of the potential spice-producing areas, one of which is nutmeg. This condition is not optimally utilized by the Kalijaya Village Community, especially for those who work as nutmeg farmers, where nutmeg farmers like to throw away the nutmeg meat and make it waste after taking the seeds and nutmeg pulp, even though nutmeg meat is the largest component of fresh nutmeg compared to mace, seed shell, and seed meat. Optimal utilization of nutmeg meat through diversification of nutmeg processed products such as candied nutmeg, nutmeg syrup, nutmeg candy, and many others can increase income and provide multiple benefits for nutmeg farmers in Kaijaya Village. This condition is due to the lack of understanding and skills possessed by the Kaljaya Village Community. The purpose of this service is to provide solutions for optimizing the yield of nutmeg. One of the alternatives given in solving this problem is to conduct training related to the Utilization of Nutmeg Fruit in High-Value Sweets. The method of implementing this Community Service activity is in the form of counseling, and training/practice. The service participants consisted of nutmeg farmers and members of the Kaijaya Village PKK because most of the nutmeg farmers were PKK members. The result of this service is the existence of candied nutmeg products sourced from the utilization of nutmeg meat defect waste/waste making it a new business opportunity as an additional source of income.
Pengaruh Media Puzzle Terhadap Pemahaman Konsep Pecahan Siswa Kelas IV SD Ekawati, Kania; Kuncoro, Agus; Jaelani, Ihrom
Journal of Elementary Education: Strategies, Innovations, Curriculum, and Assesment Vol 2 No 2 (2025): November
Publisher : Sekolah Tinggi Ilmu Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/jeesica.v2i2.113

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Pemahaman konsep pecahan memiliki peranan pentng dalam mengembangkan kemampuan berpikir sistematis siswa, karena melibatkan pemahaman bagian terhadap keseluruhan, perbandingan nilai, dan operasi hitung yang logis. Penelitian ini bertujuan untuk mengetahui pengaruh media puzzle terhadap pemahaman konsep pecahan siswa SD kelas IV. Metode yang digunakan dalam penelitian ini yaitu pre-eksperimen dengan design one group pretest-posttest, dengan sampel 20 siswa. Data dikumpulkan melalui pretest dan posttest. Instrumen yang digunakan berupa soal tes yang disusun berdasarkan indikator pemahaman konsep pecahan. Kemudian hasilnya dianalisis dengan uji normalitas shapiro-wilk. Hasil uji normalitas menunjukan nilai (pretest p=0,247; posttest p=0,571). Kedua nilai tersebut melebihi 0,05, sehingga data berdistribusi normal. Berdasarkan uji paired-sample test diperoleh nilai signifikansi (Asymp. Sig. 2-tailed) sebesar 0,000 (p < 0,05) yang menandakan adanya pengaruh yang signifikan. Hal ini membuktikan bahwa penggunaan media puzzle berpengaruh terhadap peningkatan pemahaman konsep pecahan. Media puzzle mempermudah siswa dalam memahami pecahan melalui pendekatan visual dan konkret. Oleh karena itu, penulis menyarankan agar pendidik secara konsisten menerapkan media pembelajaran yang kreatif, seperti media puzzle dalam mengajarkan materi yang bersifat abstrak. Sekolah juga diharapkan menyediakan fasilitas pendukung agar kegiatan pembelajar lebih efektif dan menyenangkan.
Efektivitas Media Pembelajaran Kahoot dalam Mengukur Pemahaman Siswa Pada pembelajaran PAI di SD Rahmawati, Untari; Nursobah, Asep; Jaelani, Ihrom
Journal of Elementary Education: Strategies, Innovations, Curriculum, and Assesment Vol 2 No 2 (2025): November
Publisher : Sekolah Tinggi Ilmu Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/jeesica.v2i2.118

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Penelitian ini bertujuan untuk menguji efektivitas penggunaan media pembelajaran digital berbasis aplikasi Kahoot dalam mengukur pemahaman siswa terhadap materi Pendidikan Agama Islam (PAI) khususnya mengenai kisah keteladanan Nabi Ibrahim as dan Nabi Ismail as di kelas II SDN 2 Jelat. Penelitian ini menggunakan pendekatan deskriptif kuantitatif dengan jumlah subjek penelitian sebanyak 28 siswa. Instrumen yang digunakan berupa kuis yang terdiri dari 10 soal pilihan ganda yang diakses melalui aplikasi Kahoot. Hasil penelitian menunjukkan bahwa tingkat efektivitas media pembelajaran ini masuk dalam kategori “tidak efektif” dengan persentase capaian sebesar 48%. Faktor-faktor yang mempengaruhi efektivitas tersebut antara lain keterbatasan pemahaman materi, kesalahan dalam menjawab soal, keterbatasan waktu, dan gangguan jaringan internet. Meskipun Kahoot berpotensi untuk meningkatkan interaktivitas dan motivasi belajar, namun perlu dilakukan optimalisasi lebih lanjut dari segi desain soal, penguatan konten, manajemen waktu, dan dukungan infrastruktur teknologi agar media ini dapat berfungsi optimal dalam menilai pemahaman siswa.
Analisis Penerapan Hukum Wad‘i terhadap Akad Murābahah bil Wakālah dan Implikasinya pada Kepastian Hukum Syariah di Indonesia Jaelani, Ihrom; Hasan, Mustofa; Gojali, Dudang
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 7 No. 2 (2026): Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/hv4a9d26

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This study aims to analyse the application of Al-Ḥukmu al-Waḍ‘ī to murabahah bil wakalah contracts and its implications for the certainty of Sharia law in Indonesia. The focus of the study is directed at the integration of causes, conditions, and legal obstacles in assessing the validity of contracts in Islamic banking practices, particularly at Bank Syariah Indonesia. The method used is library research with a qualitative-normative approach, through analysis of classical fiqh literature, DSN-MUI fatwas, and OJK regulations. The results of the study show that some murābaḥah bil wakālah practices do not fully comply with the causal structure of wad‘i law, because bank ownership is often administrative in nature and the sequence of contracts does not comply with sharia provisions. This has the potential to create legal uncertainty and weaken the legitimacy of sharia compliance. This study emphasises the importance of applying wad‘i law as an evaluative instrument in ensuring the validity of contracts and closing loopholes in legal non-compliance. Implicitly, sharia regulation and supervision need to be directed towards substantive validity so that the Islamic financial system is not only formally compliant, but also fair, moral, and in line with maqāṣid asy-syarī‘ah. Keywords: Al-Ḥukmu al-Waḍ‘ī, Murābaḥah bil Wakālah, Legal Certainty in Sharia, Sharia Compliance, Maqāṣid asy-Syarī‘ah.
PENGARUH EARNING PER SHARE DAN VOLUME PERDAGANGAN SAHAM TERHADAP RETURN SAHAM Jaelani, Ihrom; Feriansah, Rival; Saputra, Adi
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 2 (2025): Desember 2025
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v2i2.223

Abstract

This study aims to analyze the effect of earnings per share (EPS) and trading volume on stock returns of Islamic banks listed on the Indonesia Stock Exchange (IDX) during the 2020–2024 period. The study employed a quantitative approach with descriptive and verification methods. The sample was determined using a purposive sampling technique with BRIS, BTPS, PNBS, and ARTO stocks as the research objects. The data used were secondary data obtained from financial reports and IDX stock market data. Data analysis techniques included multiple linear regression analysis, t-test, F-test, correlation coefficient, and coefficient of determination. The results showed that EPS and trading volume, both partially and simultaneously, had a positive and significant effect on stock returns of Islamic banks.
THE ROLE OF THE STATE IN ACHIEVING ECONOMIC PROSPERITY THROUGH STRENGTHENING THE SHARIA ECONOMY IN INDONESIA Jaelani, Ihrom; Hasan Ridwan, Ahmad; Syarif, Nurrohman; Acim, Acim
El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Vol 6, No 1 (2026): January (El-Ecosy: Jurnal Ekonomi dan Keuangan Islam)
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35194/eeki.v6i1.5880

Abstract

Penelitian ini bertujuan menganalisis peran negara dalam mewujudkan kesejahteraan ekonomi melalui penguatan ekonomi syariah di Indonesia. Penguatan tersebut menjadi urgensi struktural di tengah tantangan ketimpangan pendapatan, kemiskinan, keterbatasan fiskal negara berkembang, dan kebutuhan akan sistem ekonomi yang lebih berkeadilan dan berkelanjutan. Metode penelitian menggunakan pendekatan kualitatif deskriptif–analitis dengan studi pustaka yang mengintegrasikan regulasi, data empiris, serta literatur akademik terkait ekonomi syariah, filsafat keadilan sosial (Al-F?r?b?, Ibn Khaldun, Rawls), dan maq??id al-shar?‘ah. Hasil penelitian menunjukkan bahwa negara memiliki peran strategis sebagai regulator, fasilitator, katalisator, dan akselerator dalam membangun ekosistem syariah. Kinerja ini didukung oleh pertumbuhan aset perbankan syariah yang mencapai 9,88% pada 2024 dan pembiayaan yang tumbuh 9,92% secara tahunan (Year-on-Year/YoY). Namun, penelitian ini mengidentifikasi dua tantangan kritis: (1) Optimalisasi wakaf produktif masih terhambat oleh kurangnya integrasi dengan kerangka insentif fiskal, meskipun wakaf berperan sebagai pelengkap mekanisme pajak dalam mengurangi ketimpangan; dan (2) Inkonsistensi alokasi dana Green Sukuk yang hampir nihil pada sektor energi terbarukan, melemahkan klaim negara sebagai katalisator transisi energi dan pelanggaran terhadap prinsip ?if? al-B?’ah. Analisis filosofis menegaskan bahwa peran negara selaras dengan Difference Principle John Rawls dan tujuan maq??id al-shar?‘ah dalam menjaga harta dan jiwa, yang secara operasional diikat oleh prinsip Good Governance Business Sharia (GGBS). Penelitian ini menyimpulkan bahwa sinergi kebijakan negara harus lebih strategis, khususnya dalam harmonisasi fiskal wakaf dan reorientasi alokasi green finance, untuk mewujudkan kesejahteraan ekonomi yang adil, inklusif, dan berkelanjutan. This study aims to analyse the role of the state in achieving economic welfare through the strengthening of the Islamic economy in Indonesia. This strengthening is a structural urgency amid challenges of income inequality, poverty, fiscal constraints in developing countries, and the need for a more equitable and sustainable economic system. The research method uses a descriptive-analytical qualitative approach with a literature study that integrates regulations, empirical data, and academic literature related to Islamic economics, social justice philosophy (Al-F?r?b?, Ibn Khaldun, Rawls), and maq??id al-shar?‘ah. The results of the study show that the state has a strategic role as a regulator, facilitator, catalyst, and accelerator in building a sharia ecosystem. This performance is supported by the growth of sharia banking assets, which reached 9.88% in 2024, and financing, which grew 9.92% year-on-year (YoY). However, this study identifies two critical challenges: (1) The optimisation of productive waqf is still hampered by a lack of integration with the fiscal incentive framework, even though waqf plays a complementary role to the tax mechanism in reducing inequality; and (2) The inconsistency of Green Sukuk fund allocation, which is almost non-existent in the renewable energy sector, weakens the state's claim as a catalyst for energy transition and violates the principle of ?if? al-B?’ah. Philosophical analysis confirms that the role of the state is in line with John Rawls' Difference Principle and the objectives of maq??id al-shar?‘ah in protecting property and life, which are operationally bound by the principles of Good Governance Business Sharia (GGBS). This study concludes that the synergy of state policies must be more strategic, particularly in the fiscal harmonisation of waqf and the reorientation of green finance allocation, to achieve fair, inclusive, and sustainable economic welfare