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All Journal Aghniya: Jurnal Ekonomi Islam Al-Sharf: Jurnal Ekonomi Islam Akhlak: Jurnal Pendidikan Agama Islam Dan Filsafat
Kamaliah R
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Analisis Konsep Religiusitas Islam pada Keputusan Nasabah Menggunakan ATM dan Mobile Banking di PT. Bank Sumut Syariah Inda Novita Sari; Kamaliah R; Khairunnisa Khairunnisa
AGHNIYA : Jurnal Ekonomi Islam Vol 4, No 1 (2022): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v4i1.11139

Abstract

This research aims to find out the decisions of customers using ATMs and mobile banking in the concept of Islamic religiosity at PT. Bank Sumut Syariah. This type of research is qualitative research, with research subjects, namely customers and banks as the main information. Religiosity refers more to the quality aspects of religious people. Religion and religiosity support each other and complement each other because they are both logical consequences of human life that has two poles, namely the pole of personal life and the pole of togetherness in society. Customers and banks both benefit from mobile banking and ATM services. Customers will get banking information quickly, effectively and efficiently, and can reduce customer waiting times in conducting banking transactions. While for the bank itself, products with information technology make it easier for them to reduce the work of employees, especially tellers and or customer service.
Pengaruh Tingkat Risiko Pembiayaan Mudharabah Dan Musyarakah Terhadap Tingkat Profitabilitas Pada PT. Bank Syariah Indonesia, TBK KCP Stabat Fahri Alfandi; Kamaliah R; Khairunnisa Khairunnisa
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.308

Abstract

The purpose of this study is to find out empirically the influence of mudharabah and musyarakah financing risks on the level of profitability in PT. Bank Syariah Indonesia, Tbk KCP Stabat. The research approach used is a quantitative research approach with multiple linear regression analysis techniques supported by classical assumption tests (Normality Test, Multicolilinierity Test, Heteroskedasticity Test and Autocorrelation Test), then hypothesis test (statistical test t, statistical test f, and determination coefficient test). The results showed that partially or simultaneously the Mudharabah Financing Risk Level and the Musyarakah Financing Risk Level had a significant effect on Profitability in PT. Bank Syariah Indonesia, Tbk KCP Stabat. Mudharabah Financing Risk Level and Musyarakah Financing Risk Level affect Profitability Level (ROA) in PT. Bank Syariah Indonesia, Tbk KCP Stabat amounted to 90.3%, while the remaining 9.7% was influenced by other variables that were not present in this study. There is a negative or opposite relationship between research variables, meaning that if the risk level of mudharabah financing and the level of risk of musyarakah financing has increased then profitability (ROA) of PT. Bank Syariah Indonesia, Tbk KCP Stabat will experience a decline Conversely, if the risk level of mudharabah financing and the level of risk of musyarakah financing decreases then the profitability (ROA) of PT. Bank Syariah Indonesia, Tbk KCP Stabat will increase.
Strategi Guru PAI dalam Mengelola Kelas yang Aktif, Efektif, dan Menyenangkan di MAS Jam’iyah Mahmudiyah Tanjung Pura Novika Afridaini; Diah Ayu Irmadani; Kamaliah R
Akhlak : Jurnal Pendidikan Agama Islam dan Filsafat Vol. 1 No. 4 (2024): Oktober: Jurnal Pendidikan Agama Islam dan Filsafat
Publisher : Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/akhlak.v1i4.124

Abstract

This study aims to explore the role of Islamic Religious Education (PAI) teachers in creating an active, effective, and fun classroom atmosphere at MTs Jam'iyah Mahmudiyah Tanjung Pura. The research method used was qualitative with a case study approach, collecting primary data through in-depth interviews with PAI teachers, students, and other related parties, as well as secondary data from relevant documents. The results showed that PAI teachers applied various strategies in classroom management, including creating positive interactions and using diverse learning techniques to prevent student boredom. The results of observations and interviews revealed that teachers' active participation in the teaching and learning process is essential to maintain students' motivation and engagement. Thus, the role of PAI teachers is not only as teachers but also as facilitators who support the development of students' potential through an interesting and interactive learning environment.
Co-Authors Abdullah Sani Arbiyansyah Al Fajar Diah Ayu Irmadani Fahri Alfandi Inda Novita Sari Khairunnisa Khairunnisa Muhammad Saleh Novika Afridaini Shadad Aldiansyah