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All Journal Equilibrium PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Journal of Islamic Business Management Studies (JIBMS) Jurnal Intisabi KHITABAH: Khazanah Penelitian Perbankan Syariah Journal of Elementary Education: Strategies, Innovations, Curriculum, and Assesment AICOS Referensi Islamika: Jurnal Studi Islam Journal of Islamic Economic Development
Ihrom Jaelani
Program Studi Perbankan Syariah STAI Putra Galuh Ciamis
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences

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LENDING AND LIQUIDITY TO PROFITABILITY khoer, misbahul; Mutakin, Kikin; Mubaarok, Saeful Huda; Acim; Jaelani, Ihrom
Journal of Islamic Economic Development Vol. 1 No. 2 (2024): Journal of Islamic Economic Development
Publisher : P3M - STAI Kuningan

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Abstract

The main problem in this study is profitability in the companies studied with an ROA indicator of 1.3% and is below the good category standard of 1.5%. The purpose of this study is to analyze the extent of the effect together of lending and liquidity on profitability, this study is a descriptive research. The variables in this study are the variables of crediting and liquidity, as independent variables, and profitability, as dependent variables. This research method includes quantitative research in the sense of using numbers, ranging from data collection to interpretation of data with statistical testing. The data analysis technique used in this study is multiple linear regression analysis. From the table it is known that the value of F Calculate is 15.214 it is also known that F table with db2 = n - k - 1 at a confidence level of 5% obtained F table of 4.35. Thus, F calculate > F table = 15.214 > 4.35. This means that there is a positive influence between credit, and liquidity on profitability. To improve lending, PT BPR should promote both customers and the public, for example by offering a faster lending process accompanied by credit interest that can compete with existing banks.
OPTIMIZING PRODUCTIVE ZAKAT FINANCING: THE MODERATING ROLE OF BUSINESS MENTORING ON SUSTAINABLE WELFARE Ihrom Jaelani; Sari Damayanti; Acim Acim; Misbahul Khoer
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 3 (2026): JUNE
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i3.549

Abstract

This study aims to evaluate the efficacy of productive zakat financing on the creation of sustainable welfare for mustahik (zakat recipients), and to explore the potential moderating role of business mentoring as a behavioral control mechanism. An explanatory quantitative approach was applied to a purposively selected surviving cohort comprising 75 micro-entrepreneurs who received assistance from the National Board of Zakat (BAZNAS) in Ciamis Regency, Indonesia. Data were collected via structured questionnaires and analyzed using Moderated Regression Analysis (MRA), deliberately adopting a mean-centering procedure to mitigate the risks of structural multicollinearity inherent in interaction terms. Baseline linear regression results suggest that productive zakat financing has a significant direct effect on welfare (R2 = 0.695, p < 0.05). Furthermore, the MRA indicates the presence of a moderation effect, wherein business mentoring appears to act as a significant positive moderator (β = 0.040, p = 0.029). The inclusion of this interaction variable increases the model's explanatory power to 85.8% (R2 = 0.858). These findings suggest that Islamic philanthropy regulators may benefit from adopting an integrated incubation ecosystem that systemically bundles capital provision with mentor education. The primary limitation of this study is its inherent susceptibility to survivorship bias, as it evaluates only active business units, combined with a cross-sectional observation design that limits the assertion of definitive causal inferences over extended time horizons. This research highlights a potential paradigm shift in zakat program evaluation by positioning business mentoring not merely as a parallel predictor variable, but as a crucial moderating mechanism that facilitates the attainment of holistic prosperity guided by Maqashid Sharia.
Hubungan Sikap Kasih Sayang Orang Tua Terhadap Semangat Belajar Siswa SDN 1 Cimaragas Lestari Sri; Agus Kuncoro; Ihrom Jaelani
Journal of Elementary Education: Strategies, Innovations, Curriculum, and Assesment Vol 3 No 1 (2026): May
Publisher : Sekolah Tinggi Ilmu Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/jeesica.v3i1.132

Abstract

Penelitian ini bertujuan untuk mengetahui hubungan kasih sayang orang tua terhadap semangat belajar siswa kelas IV di SDN 1 Cimaragas. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap seluruh populasi, yakni 16 siswa kelas IV. Instrumen yang digunakan berupa angket terstruktur yang mencakup tujuh dimensi kasih sayang orang tua, yaitu dukungan moral, psikologis, fisik, pemenuhan kebutuhan dasar, emosional, motivasi, dan pemberian waktu serta lima dimensi semangat belajar siswa, meliputi motivasi belajar, keinginan berprestasi, komitmen dalam menghadapi kesulitan, serta faktor internal dan eksternal. Hasil analisis deskriptif menunjukkan bahwa kasih sayang orang tua berada dalam kategori tinggi, dengan perhatian sebagai dimensi dominan (68,8%), disusul dukungan (62,5%) dan dedikasi (56,3%). Semangat belajar siswa juga tergolong tinggi, namun hanya (43,8%) yang menunjukkan orientasi prestasi yang kuat. Uji regresi linier sederhana menunkjukan adanya hubungan signifikan antara kasih sayang orang tua dan semangat belajar (r = 0,783; R² = 0,488). Kesimpulannya, kasih sayang orang tua, terutama dalam bentuk perhatian emosional, berpengaruh positif terhadap semangat belajar siswa. Penelitian merekomendasikan pelatihan bagi orang tua guna meningkatkan keterlibatan melalui komunikasi efektif dan pendampingan belajar yang berkesinambungan.
Pengaruh Penggunaan Media YouTube terhadap Hasil Belajar Bahasa Arab Siswa Kelas II A di MI Ciwahangan Harismawati Amini; Asep Nursobah; Ihrom Jaelani
Journal of Elementary Education: Strategies, Innovations, Curriculum, and Assesment Vol 3 No 1 (2026): May
Publisher : Sekolah Tinggi Ilmu Agama Islam Putra Galuh Ciamis

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Abstract

Penelitian ini dilatarbelakangi oleh rendahnya hasil belajar siswa pada mata pelajaran bahasa Arab, terutama dalam hal memahami kosa kata baru. Tujuan penelitian ini adalah untuk mengetahui pengauh penggunaan media YouTube terhadap hasil belajar Bahasa Arab siswa kelas II A di MI Ciwahangan. Metode penelitian yang digunakan adalah pre-eksperimen dengan desain one-group pretest-posttest (tes awal dan tes akhir satu kelompok). Subjek penelitian ini adalah 20 siswa kelas II A MI Ciwahangan. Pengumpulan data hasil belajar dilakukan melalui tes awal (sebelum perlakuan) dan tes akhir (setelah perlakuan). Analisis data kuantitatif menggunakan uji t sampel berpasangan. Hasil penelitian menunjukkan adanya peningkatan signifikan pada hasil belajar siswa setelah pembelajaran menggunakan media YouTube. Rata-rata nilai siswa meningkat dari 75,00 menjadi 85,00. Lebih lanjut, hasil uji t menunjukkan adanya pengaruh yang signifikan secara statistik dimana nilai sig 2 tailed sebesar 0,000<0,05. Artinya, dapat disimpulkan bahwa media YouTube berpengaruh positif dan signifikan terhadap hasil belajar bahasa Arab siswa kelas II A MI Ciwahangan. Penelitian ini merekomendasikan bahwa YouTube dapat digunakan sebagai alternatif media pembelajaran yang menarik dan efektif dalam pembelajaran bahasa arab
Pengaruh Metode Mind mapping Terhadap Hasil Belajar Siswa Pada Mata Pelajaran Fiqih Nurlaela Ira; Agus Kuncoro; Ihrom Jaelani
Journal of Elementary Education: Strategies, Innovations, Curriculum, and Assesment Vol 3 No 1 (2026): May
Publisher : Sekolah Tinggi Ilmu Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/jeesica.v3i1.137

Abstract

Penelitian ini dilatarbelakangi oleh rendahnya hasil belajar siswa kelas VI-B pada mata pelajaran fikih. Tujuan utama penelitian ini adalah untuk mengetahui pengaruh metode Mind Mapping terhadap hasil belajar siswa dalam materi fikih. Penelitian ini menggunakan desain pre-eksperimental dengan model one-group pretest-posttest, melibatkan 20 siswa sebagai subjek penelitian. Instrumen yang digunakan berupa soal tes kognitif yang diberikan saat pretest dan posttest. Data hasil tes kemudian dianalisis menggunakan pendekatan normalized gain (n-gain) untuk mengukur peningkatan, serta uji-t untuk menguji signifikansi perbedaan. Hasil analisis menunjukkan nilai rata-rata n-gain sebesar 0,40, yang mengindikasikan kategori peningkatan sedang. Lebih lanjut, hasil uji-t menunjukkan nilai t-hitung 32.430 > t-tabel 2.093 dengan tingkat signifikansi 0.000 < 0.05. Nilai signifikansi ini secara jelas mengindikasikan adanya perbedaan yang sangat signifikan antara nilai pretest dan posttest siswa. Konfirmasi tambahan diperoleh dari interval kepercayaan 95% yang tidak mencakup angka nol, memperkuat bukti bahwa perbedaan peningkatan hasil belajar tersebut nyata secara statistik. Temuan ini secara konsisten menunjukkan bahwa penggunaan metode mind mapping berpengaruh secara signifikan terhadap peningkatan hasil belajar siswa dalam mata pelajaran fikih. Oleh karena itu, metode mind mapping direkomendasikan sebagai alternatif strategi pembelajaran yang efektif, khususnya dalam meningkatkan kualitas dan efektivitas pembelajaran fikih di jenjang sekolah dasar.
PENGARUH NON PERFORMING LOAN (NPL) DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH PERIODE 2019– 2023 Reni Farida Yanti; Ihrom Jaelani
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

Abstract

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
PENGARUH BRAND IMAGE TERHADAP MINAT MENABUNG MAHASISWA DI BANK SYARIAH Salma Saripatul Munawaroh; Ihrom Jaelani; Misbahul Khoer
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

Abstract

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

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Abstract

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 Asep Saepudin; Ihrom Jaelani
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 1 (2025): Juni 2025
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

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Abstract

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.
DETERMINASI MINAT MENGGUNAKAN FINTECH SYARIAH UMKM CIAMIS: INTEGRASI LITERASI DIGITAL DAN PERSEPSI KEMUDAHAN Ihrom Jaelani; Acim Acim; Akmaludin Akmaludin
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 3 No 1 (2026): Juni 2026
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v3i1.278

Abstract

This study aims to analyze and empirically test the effect of Islamic financial digital literacy and perceived ease of technology use, both partially and simultaneously, on the interest in adopting Islamic fintech among Micro, Small, and Medium Enterprises (MSMEs) in Ciamis Regency. The research approach used is causal associative quantitative. The population in this study amounted to 42,000 MSME units with a sample of 100 respondents determined through the Slovin formula using purposive sampling technique. Data collection was conducted using a Likert scale questionnaire. Data analysis was performed through classical assumption tests, multiple linear regression analysis, and hypothesis testing using IBM SPSS software. The results showed that partially, Islamic financial digital literacy had a positive and significant effect on adoption interest (t = 2.879; sig = 0.005). Similarly, the perceived ease of technology use proved to have a partial positive and significant effect (t = 11.257; sig = 0.000). Simultaneously, both variables significantly influenced the interest in adopting Islamic fintech (F = 94.860; sig = 0.000). The R Square value of 0.662 indicates that the contribution of Islamic financial digital literacy and perceived ease of technology use in explaining variations in Islamic fintech adoption interest in Ciamis Regency is 66.2%, while the remaining 33.8% is explained by other variables outside this research model. The conclusion of this study confirms that the readiness of Islamic cognitive capacity and the practicality of the application are the main determinants driving digital financial inclusion in the local MSME ecosystem.
Co-Authors Acim Acim Acim Acim Acim Acim Adi Saputra Agus Kuncoro Akmaludin Akmaludin Asep Nursobah Asep Nursobah, Asep Asep Saepudin Ayi Yunus Rusyana Ekawati, Kania Feriansah, Rival Gojali, Dudang Harismawati Amini Harun Nur Jamiel Hasan Bisri Hasan, Mustofa Kikin Mutakin Kikin Mutakin Kuncoro, Agus Lestari Sri Misbahul Khoer Moh Najib Mubaarok, Saeful Huda Nurlaela Ira Nurrohman Syarif, Nurrohman Purbayani, Rini Rahmawati, Untari Reni Farida Yanti Ridwan, Ahmad Hasan Rukoyah, Siti Salma Saripatul Munawaroh Sari Damayanti