Garuda - Garba Rujukan Digital

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

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.

Pelatihan Pemanfaatan Buah Pala menjadi Manisan Pala yang Bernilai Jual Tinggi: Training on Nutmeg Utilization into Candied Nutmeg with High Selling Value Ihrom Jaelani; Rini Purbayani; Sandi Tya
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

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 BRAND IMAGE TERHADAP MINAT MENABUNG MAHASISWA DI BANK SYARIAH Saripatul Munawaroh, Salma; Jaelani, Ihrom; Khoer, Misbahul
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 2 (2024): Desember
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i2.70

This research is motivated by field data indicating that in Indonesia, the majority of the population tends to save in conventional banks rather than in Islamic banks. This suggests a relatively low interest in saving among Indonesians in Islamic banks. The study aims to investigate the influence of brand image on students' interest in saving at Islamic banks. The research methodology employed is quantitative with a survey method. The population consists of 260 respondents, and the sample includes 158 students from STAI Putra Galuh Ciamis. Sampling was conducted using random sampling techniques based on the Slovin formula. Data were collected using a questionnaire comprising 22 items. Data analysis involved simple linear regression using SPSS version 25 software. Students' perceptions of the brand image of Islamic banks were positive, with an average score of 3.935, indicating a high rating. Students' interest in saving at Islamic banks stemmed from perceived benefits, needs, and the variety of Sharia-compliant products offered. The brand image variable showed a t-value of 10.996, which is greater than the critical t-value of 1.975, with a significance level of 0.000 < 0.05. Therefore, the null hypothesis (H0) was rejected, and the alternative hypothesis (Ha) was accepted, indicating that the brand image variable (X) significantly influences students' interest in saving (Y). The research findings indicate that brand image accounts for 43.7% of the variance in students' interest in saving at Islamic banks.

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

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)

PENGARUH LITERASI KEUANGAN SYARIAH, PENGALAMAN KEUANGAN, DAN ETIKA KONSUMSI TERHADAP PERILAKU KEUANGAN PEDAGANG PASAR TRADISIONAL Mutakin, Kikin; Jaelani, Ihrom; Acim, Acim
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 1 (2025): .
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study aims to analyze the influence of Islamic financial literacy, Islamic financial experience, and self-control on Islamic financial behavior in traditional market traders. The background of this study is the challenges faced by traditional business actors amidst the rapid digitalization of the economy and the low level of Islamic financial literacy and inclusion in Indonesia. With a quantitative approach, this study uses a multiple linear regression method on 50 market trader respondents selected purposively. The results of the analysis show that simultaneously, the three independent variables do not have a significant effect on Islamic financial behavior (sig. F value > 0.05). Likewise, partially, Islamic financial literacy, Islamic financial experience, and self-control do not have a significant effect on Islamic financial behavior. This indicates that there are other factors outside the model that may be more dominant in shaping Islamic financial behavior, such as religious understanding, local cultural values, or the influence of the social environment. This study recommends the need for a deeper educational and spiritual approach and community-based economic assistance programs to strengthen Islamic financial practices at the micro level

PENGARUH NEGOSIASI TINGKAT MARGIN TERHADAP KEPUTUSAN NASABAH MENGGUNAKAN PRODUK MURABAHAH DI BMT MIFTAHUSSALAM CIAMIS Saepudin, Asep; Jaelani, Ihrom
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 1 (2025): .
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study aims to determine the effect of negotiating the margin rate on customer decisions using murabahah products. The population in this study were 131 Murabahah customers at BMT Miftahussalam Ciamis, sampling using the Slovin formula with random sampling techniques. The sample used was 99 respondents. The data collection instrument used a questionnaire of 20 statement items with a Likert scale of 1-5 and tested for validity and reliability. Data analysis using simple linear regression with the help of SPSS V.25. Based on simple linear regression analysis at a significance level of 5%, the results of the partial test (t test) show that the calculated t value of 2.400 shows that it is greater than the t table (2.400> 1.984) and a significance value of 0.018 <0.05 so it can be concluded that H0 is rejected and Ha is accepted, which means that the negotiation of the margin rate has a positive and significant effect on the Customer's Decision to use Murabahah Products at BMT Miftahussalam Ciamis.

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

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

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.

PENGARUH NON PERFORMING LOAN (NPL) DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH PERIODE 2019– 2023 Farida Yanti, Reni; Jaelani, Ihrom
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 1 (2024): Juni
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i1.43

Tujuan dari dilakukan penelitian ini adalah untuk mengetahui: 1) Non Performing Loan (NPL), Loan To Deposit Ratio (LDR) , dan Profitabilitas pada Bank Umum Syariah. 2) Pengaruh Non Performing Loan (NPL) secara parsial terhadap Profitabilitas pada Bank Umum Syariah. 3) Pengaruh Loan To Deposit Ratio (LDR) secara parsial terhadap Profitabilitas pada Bank Umum Syariah. 4) Pengaruh Non Performing Loan (NPL) dan Loan To Deposit Ratio (LDR) secara simultan terhadap Profitabilitas pada Bank Umum Syariah. Metode penelitian yang digunakan adalah metode kuantitatif dengan menggunakan anaisis regresi linier berganda. Berdasarkan analisis yang telah dilakukan secara parsial membuktikan bahwa : 1) Non Performing Loan (NPL) memiliki pengaruh yang signifikan terhadap profitabilitas pada Bank Umum Syariah Tahun 2019-2023. 2) Loan to Deposit Ratio (LDR) memiliki pengaruh yang signifikan terhadap profitabilitas pada Bank Umum Syariah Tahun 2019-2023. 3) Non Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) memiliki pengaruh yang signifikan terhadap profitabilitas pada Bank Umum Syariah Tahun 2019-2023

Title

Found 9 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 9 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 9 Documents
Search