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All Journal JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia Syntax Literate: Jurnal Ilmiah Indonesia Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Mozaic : Islam Nusantara Indonesian Journal of Islamic Economics and Business Jurnal Pengabdian kepada Masyarakat Desa (JPMD) Wisanggeni : Jurnal Pengabdian Masyarakat Mizania : Jurnal Ekonomi dan Akuntansi Journal of Accounting and Finance Journal of Aswaja and Islamic Economics Innovation Business Management and Accounting Journal
Asiroch Yulia Agustina
Universitas Nahdlatul Ulama Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Social Sciences Other

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Prediksi Customer Churn Menggunakan Metode CRISP-DM Pada Industri Telekomunikasi Sebagai Implementasi Mempertahankan Pelanggan Yudiana, Yudi; Yulia Agustina, Asiroch; Khofifah, Nur
Indonesian Journal of Islamic Economics and Business Vol. 8 No. 1 (2023): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v8i1.1710

Abstract

Fulfilling the needs and desires of customers is a strategy in retaining customers. Among these strategies is a quality product and quality service will also fulfill customer expectations. The purpose of this research is to predict whether customers will become loyal customer or leave the company's services. The research method uses the CRISP-DM (Cross Industry Standard Process for Data Mining) technique and the hypermeter tuning method with the ridge classifier algorithm and the confusion matrix. CRISP-DM is a process model that serves as the base for a data science process with six sequential phases. The data used is 7,043 records. divided into 70:30 data train and data test. From the selection of features, most unsubscribed customers are customers who do not use several services such as VPN, Data Backup, Device Protection, Technician Assistance, TV Streaming, Movie Streaming monthly contracts and use the E-Wallets payment method. Then the results of the accuracy research using the confusion matrix show quite good results with an accuracy of 80.5%, Precision of 85.7% and Recall of 89.8%. As many as 73% or 5,174 continue to use the service and 1,869 or around 27% of customers stop using Telkom Indonesia services.
Penerapan Ilmu Tajwid Untuk Meningkatkan Pemahaman dan Kemampuan Membaca Al-Qur’an Anak-anak Di Tpa Ar-ruslan Desa Ciasihan Yulia Agustina, Asiroch; Fahriansah; Thasya Amalia Putri; Rahmat Akbar; Rofa Rohmawati
Jurnal Pengabdian kepada Masyarakat Desa (JPMD) Vol. 6 No. 1 (2025): JPMD
Publisher : LP3M IAIFA Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58401/jpmd.v6i1.1912

Abstract

Learning the science of recitation and reading skills is a series of things taught in the Al-Qur'an Education Park (TPA) Ar-Ruslan Rt.02, Rw.04 Kampung Ranging Ciasihan Village, Kec. Pamijahan which aims to improve the skills of reading the Koran properly and correctly in accordance with the knowledge of tajwid. So the aim of this activity is to improve children's ability to read the Koran correctly and in accordance with their tajwid knowledge. With a good understanding of recitation, it is hoped that children will not only be able to read the Koran fluently, but also love it and make it an important part of their daily lives. The activity method used in this research is PAR (Participatory Action Research) based. Activities carried out in the community service program in Rangin village, Ciasihan village related to the application of the science of tajwid ran smoothly and obtained better results than before. This makes this activity have a positive impact on children, such as children gaining a new understanding of the rules for reading the Koran, thereby helping them improve their ability to read the Quran in tartil.
Pengaruh Literasi Keuangan, Religiusitas, dan Environmental Concern Terhadap Keputusan Pembelian Green Sukuk Ritel Pada Generasi Milenial: Pengaruh Literasi Keuangan, Religiusitas, dan Environmental Concern Terhadap Keputusan Pembelian Green Sukuk Ritel Pada Generasi Milenial Agustina, Asiroch Yulia
MIZANIA: Jurnal Ekonomi Dan Akuntansi Vol. 4 No. 1 (2024): Mizania: Jurnal Ekonomi dan Akuntansi
Publisher : Economics and Business Faculty UNUSIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47776/mizania.v4i1.867

Abstract

Literasi keuangan, religiusitas, dan environmental concern mempunyai pengaruh terhadap seseorang dalam membuat keputusan keuangan yang baik. Penelitian ini bertujuan untuk mengukur pengaruh literasi keuangan, religiusitas, dan environmental concern terhadap keputusan pembelian green sukuk ritel pada generasi milenial. Penelitian ini merupakan penelitian kuantitatif kausalitas. Populasi dalam penelitian ini adalah investor generasi milenial green sukuk ritel. Sampel yang digunakan adalah 100 orang responden generasi milenial. Perolehan data dilakukan dengan menyebar kuisioner. Data yang didapatkan kemudian diolah dengan alat bantu software statistik yaitu SPSS versi 29. Analisis yang digunakan pada penelitian ini meliputi pengukuran validitas dan reliabilitas serta pemenuhan asumsi klasik. Hasil pengujian dalam penelitian ini berdasarkan uji regresi linier berganda secara parsial variabel literasi keuangan diketahui Thitung > Ttabel dengan perolehan 3,271 > 1,660 hal ini menunjukkan bahwa variabel literasi keuangan berpengaruh positif dan signifikan terhadap keputusan pembeliaan green sukuk ritel pada generasi milenial. Hasil pengujian kedua menggunakan analisis regresi linear berganda secara parsial diketahui bahwa Thitung > Ttabel 2,232 > 1,660 hal ini menunjukkan bahwa variabel riligiusitas memiliki pengaruh positif dan signifikan terhadap keputusan pembelian green sukuk ritel pada generasi milenial. Hasil pengujian ketiga menggunakan analisis regresi linear berganda secara parsial diketahui bahwa Thitung > Ttabel 3,979 > 1,660. Dengan demikian hasil analisis ini menunjukan bahwa variabel environmental concern memiliki pengaruh positif dan signifikan terhadap keputusan pembelian green sukuk ritel pada generasi milenial.
The Effectiveness of the Tapera Program in Improving the Welfare of Government Employees: Media Ethnography Analysis Sintia Nur Afifah; Muhammad Aras Prabowo; Asiroch Yulia Agustina; Muhammad Ashlyzan Razik
Innovation Business Management and Accounting Journal Vol. 3 No. 4 (2024): October - December
Publisher : Trescode Green Organization

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56070/ibmaj.2024.057

Abstract

The Public Housing Savings Program (Tapera) is an Indonesian government initiative to improve the welfare of the community, especially government employees, by providing access to affordable housing. Even though it has been running for several years, the effectiveness of this program is still being debated. This research aims to analyze the effectiveness of implementing the Tapera Program in improving the welfare of government employees. The research gap phenomenon that is the background for this research is the gap between program objectives and the reality of its implementation, such as low levels of participation and problems in financial management. The research method used is an ethnographic media study, by analyzing online news and discussions related to the Tapera Program. The research results show that although the Tapera Program has great potential in improving the welfare of government employees, its implementation still faces various challenges that need to be overcome to increase its effectiveness.
Analysis of the Application of Circular Economy Concepts in Coffee Shop Business Muhammad Rafli; Asiroch Yulia Agustina; Nur Khayin Muhdlor
Innovation Business Management and Accounting Journal Vol. 4 No. 2 (2025): April - June
Publisher : Trescode Green Organization

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56070/ibmaj.2025.032

Abstract

This research aims to analyze the application of circular economy principles in the coffee shop business as a step towards creating a sustainable business model. The concept of circular economy focuses on resource optimization by applying the 3R principles (Reduce, Reuse, Recycle) and reducing dependence on limited natural resources. The approach used in this research is descriptive qualitative, through case studies in several coffee shops that have adopted environmentally friendly practices, such as the utilization of recycled materials, processing coffee waste, and reducing the use of single-use plastics. Data collection was conducted through in-depth interviews, direct observation, and documentation tasks. The findings from this study show that implementing a circular economy can improve operational efficiency, create a positive image in the eyes of consumers, and provide both economic and environmental benefits. Although there are some challenges, such as high start-up costs and a lack of business and consumer awareness, the strategy is considered to have the potential to be implemented more widely. The hope of this research is to contribute to small and medium enterprises in developing businesses that are not only financially profitable, but also contribute to environmental conservation.
Pelatihan Perencanaan Keuangan Ala Nabi Yusuf Alaihissalam For Kids Bagi Santri Pesantren Ramadhan Masjid Al-Iqdam Asiroch Yulia Agustina; Nur Khayin Muhdlor; Masfiatun; Ahmad Faishal Zindan
Jurnal Pengabdian kepada Masyarakat Desa (JPMD) Vol. 7 No. 2 (2026): JPMD
Publisher : LP3M IAIFA Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58401/jpmd.v7i2.3317

Abstract

This Community Service activity aims to introduce the basic concepts of financial systems and wealth management in accordance with Islamic teachings through an innovative approach that integrates the story of Prophet Yusuf Alaihissalam as a learning medium tailored for children. The novelty of this activity lies in the presentation of Islamic financial literacy material, which is not only delivered theoretically but also packaged through the exemplary lessons found in the Quranic story, making it easier to understand, more relevant, and capable of fostering religious awareness at the same time. The activity was held at the Main Hall of Masjid Jami’ Al-Iqdam, Lenteng Agung, South Jakarta, as part of the Ramadhan Islamic Boarding School series of events. This program was designed based on the urgent need to instill Islamic economic values from an early age, so that the younger generation understands that managing finances is not merely a worldly matter, but also a form of worship and a trust that must be accounted for before Allah SWT. The implementation methods included interactive lectures, inspirational storytelling, and hands-on simulation exercises. The material covered the true nature of wealth, the importance of saving, future planning, as well as the principles of justice and honesty, all exemplified by Prophet Yusuf Alaihissalam. The results showed high enthusiasm among participants and a significant improvement in their understanding. This improvement was measured using pre-test and post-test instruments consisting of 12 questions based on 4 indicators, with an average increase in understanding reaching 68.3%
Membangun Kesadaran Ekoteologi dan Refleksi Kebijakan Tatakelola SDA Muhammad Aras Prabowo; Siti Nur Hanifa; Aloys Budi Purnomo; Farid F. Saenong; Nur Arfiyah Febriani; Habsyah Fitri Aryani; Handy Fernandy; Adrinoviarini Adrinoviarini; Asiroch Yulia Agustina; Ahsanul Minan
Wisanggeni: Jurnal Pengabdian Masyarakat Vol. 6 No. 1 (2026): Juni (2026) Wisanggeni : Jurnal Pengabdian Masyarakat
Publisher : Institut Agama Islam Ma’arif NU (IAIMNU) Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25217/wisanggeni.v6i1.7274

Abstract

Repeated flooding on the island of Sumatra over the last decade has shown that hydrometeorological disasters cannot be understood merely as weather-related problems, but rather as a nexus of ecological crisis, Natural Resource (NR) governance, and exploitative patterns of human–nature relations. This community service activity was conducted in the environment of Istiqlal Mosque PKUMI through panel discussions, public dialogues, and the formulation of policy recommendations. The ecotheology framework was employed to connect spiritual dimensions, public ethics, and environmental policy; meanwhile, “ecological repentance” was used as a transformative concept: changes in awareness, behavioral transformation, and policy correction. The results of the activity indicate four main findings: (1) ecotheology is effective as a “moral language” to broaden acceptance of pro-environmental policies; (2) criticism of the technocratic-extractive paradigm needs to be integrated with the principles of precaution and ecological justice; (3) ecotheological education through a love-based/eco-empathy curriculum has the potential to build intergenerational ecological ethics; and (4) policy recommendations emphasize a moratorium on problematic permits, meaningful public participation (FPIC), enforcement of the polluter pays principle, and the reallocation of extractive subsidies for basic services and ecological restoration. The main outputs of this community service activity are policy recommendations and the strengthening of collaborative networks across faith communities, universities, Islamic boarding schools, mass organizations, and policymakers as the foundation of an ecological repentance movement.
Financial Literacy, Religious Attitudes Toward Online Gambling, and Their Impact on The Financial Well-Being of The Younger Generation Asiroch Yulia Agustina; Masfiatun; Nurhadi Fadill; Muhammad Ashlyzan bin Razik
Jurnal Iqtisad Vol 13 No 1 (2026): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v13i1.15650

Abstract

This study is motivated by the increasing number of online gambling cases in Indonesia, which has developed into a serious social, economic, and financial well-being issue for society. West Java Province has recorded the highest number of online gambling cases in Indonesia, involving 535,644 individuals with a transaction value of approximately IDR 3.8 trillion. The high prevalence of online gambling has placed Indonesia in a state of financial health emergency. This study aims to examine and analyze the influence of financial literacy and religiosity on online gambling behavior, as well as its impact on the financial health of the younger generation in Parung District. This study employed a quantitative research design using path analysis with the assistance of SPSS software. The variables examined in this study were financial literacy (X1), religiosity (X2), online gambling behavior (Z), and financial health (Y). The results of Model I show that financial literacy and religiosity have a significant negative effect on online gambling behavior. Meanwhile, the results of Model II indicate that only financial literacy has a significant effect on financial health, whereas religiosity has no significant effect on financial health.
ANALYSIS OF FACTORS INFLUENCING GEN Z’s INTEREST IN CENTRAL JAKARTA IN USING LINK AJA SYARIAH WITH THE TAM APPROACH: ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT GENERASI Z DI JAKARTA PUSAT DALAM MENGGUNAKAN LINKAJA SYARIAH DENGAN PENDEKATAN TAM Alfi Syahrin; Nur Khayin Muhdlor; Masfiatun; Asiroch Yulia Agustina
JASIE Vol. 4 No. 2 (2025): DESEMBER
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/jse.v4i02.15434

Abstract

The rapid growth of digital financial technology in Indonesia has accelerated the adoption of electronic wallets, including Sharia-compliant platforms such as LinkAja Syariah. Despite increasing interest in Islamic fintech, limited empirical studies examine how technological acceptance factors interact with religiously grounded brand legitimacy in influencing Generation Z’s adoption behavior. This study aims to analyze the determinants of Generation Z’s intention to use LinkAja Syariah in Central Jakarta by employing an extended Technology Acceptance Model (TAM) that integrates service features, perceived ease of use, perceived security and privacy, perceived usefulness, and brand image. A quantitative survey was conducted among 100 Generation Z respondents, and the data were analyzed using multiple linear regression to test both simultaneous and partial effects. The findings reveal that collectively all independent variables significantly influence intention to use. Partially, perceived ease of use, perceived usefulness, and brand image demonstrate significant positive effects, while service features and security show no significant direct effect. Perceived usefulness emerges as the most dominant predictor. The study contributes to the extension of TAM within the context of Sharia fintech by incorporating brand image and security dimensions and provides practical implications for Islamic digital wallet providers to prioritize functional benefits, user-friendly design, and strong Sharia-based brand positioning to enhance adoption among digital-native users.
Analisis Tingkat Kesehatan Bank Muamalat dan Bank Syariah Indonesia Tahun 2021-2024 Menggunakan Metode CAMELS Nadilatumaymanah; Asiroch Yulia Agustina Agustina; Muhamad Rafli
MIZANIA: Jurnal Ekonomi Dan Akuntansi Vol. 5 No. 2 (2025): Mizania: Jurnal Ekonomi dan Akuntansi
Publisher : Economics and Business Faculty UNUSIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47776/mizania.v5i2.2184

Abstract

The financial performance of banks can be evaluated through their financial statements. The assessment of bank performance can be carried out using a financial ratio analysis approach. The health level of the banking sector must always be maintained and continuously improved  to increase public trust. In carrying out its business activities, a bank must consistently maintain and improve its level of soundness by applying prudential principles and risk management, and the bank must also conduct periodic self-assessments. This study aims to analyze the health level of conventional and Islamic banks in Indonesia using the CAMELS method (Capital, Asset, Management, Earnings, Liquidity, Sharia Compliance) in 2024. The research method uses descriptive analysis with a quantitative approach. The results of the study indicate that the health level of muamalat banks is 60% and the health level of Islamic banks is 86,6%.  
Co-Authors Adrinoviarini, Adrinoviarini Ahmad Faishal Zindan Ahmad Faishal Zindan Ahsanul Minan Alfi Syahrin Aloys Budi Purnomo Awnurropiq Awnurropiq Awnurropiq, Awnurropiq Fadillah, Nurhadi Fahriansah Farid F. Saenong Fatchurrahman, M Habsyah Fitri Aryani Handy Fernandy Khairunnisa Khairunnisa Khairunnisa Khofifah, Nur Khoyriyah, Khoyriyah Larasati, Pipit Lubaba, Abu Maghfirah Wadiah Masfiatun Masfiatun Masfiatun Masfiatun Muhamad Rafli Muhammad Aras Prabowo Muhammad Ashlyzan bin Razik Muhammad Ashlyzan Razik Muhammad Rafli Nadilatumaymanah Nur Arfiyah Febriani Nur Khayin Muhdlor Nur Khayin Muhdlor Nur Khofifah Nurhadi Fadill Nurhusniati, Nurhusniati Rahmat Akbar Rofa Rohmawati Saputri, Pungky Lela Sintia Nur Afifah Siti Nur Hanifa Thasya Amalia Putri Yudi Yudiana Yudiana, Yudi