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All Journal Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Socius: Social Sciences Research Journal Jurnal Pengabdian Masyarakat dan Riset Pendidikan
Wiwit Agustina
UIN Maulana Malik Ibrahim Malang
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Pandangan Islam Terhadap Implementasi Hybrid Contract Di Hotel Horison Sagita Balikpapan Wiwit Agustina
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 1 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i1.2563

Abstract

In the business world, trade is one of the most important things in human life. Everyone always needs prosperity and wealth to meet their needs. With this goal in mind, people compete for wealth through their businesses. if a company is based or based on religious principles, it is of course very closely related to the norms associated with Islamic institutional economics. Because sharia-based economic activities are economic practices that are based on Islamic values, actors need to orient themselves in consumption, production and operations. The Islamic View of the Implementation of Hybrid Contracts which has innovated is the author's basis for researching the validity of the contracts made by the Horison Sagita Balikpapan hotel, where the purpose of this research is to examine multi-contract transactions (Hybrid Contracts) in the Horison Sagita Balikpapan hotel. In this study the authors used an empirical juridical approach, combining primary data and data in the field so that theory and practice were found to be compatible. Based on the results of this study, after making adjustments to the provisions of the multiple contracts that are prohibited, it can be concluded that the Hybrid Contract transaction in booking a room including dining at the Horison Sagita Balikpapan Hotel is not at all included in the multi-contract category which is prohibited. Thus the Hybrid Contract transaction in the Booking of the Incluede Room is permissible and does not violate sharia provisions. In addition, this transaction can provide convenience for hotel managers and consumers. Keyword: Islamic View, Hybrid Contract, Hotel Rental
The Effect of Leadership Effectiveness and Islamic Work Motivation on Organization Performance with Islamic Work Ethics as a Moderating Variable Nur Faliza; Ahmad Muktamar B.; Rachmadi Setiawan; Wiwit Agustina
Reslaj : Religion Education Social Laa Roiba Journal Vol 6 No 1 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i1.4016

Abstract

Organizational performance is a measure of the progress of an organization that shows how well an organization achieves its goals and the results of work achievements that have been achieved by employees in accordance with their functions and work in a certain period. This research was conducted aiming to determine the effect of leadership effectiveness and Islamic work motivation on organizational performance with Islamic work ethics as a moderating variable. This study uses quantitative techniques with primary data collection method questionnaires. The population in this study are all employees of Amil Zakat Institutions in Indonesia. The sampling technique used purposive sampling obtained by 210 respondents. The results showed that the work effectiveness of Islamic leadership and motivation had a significant effect on organizational performance, which means that the first and second hypotheses were accepted, while the Islamic work ethic was not able to moderate the influence of Islamic leadership and work motivation on organizational performance so that the third and fourth hypotheses were rejected. Keywords: Leadership Effectiveness, Islamic Work Motivation, Islamic Work Ethics, Organization Performance
THEORY OF PLANED BEHAVIOR TERHADAP NIAT INVESTASI DENGAN LITERASI KEUANGAN SEBAGAI MODERASI Herman Sjahruddin; Anton Priyo Nugroho; Jacomina Vonny Litamahuputty; Wiwit Agustina
JURNAL ILMIAH EDUNOMIKA Vol 7, No 2 (2023): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v7i2.9498

Abstract

Sebagai negara berkembang yang diuntungkan oleh fenomena bonus demografi, Indonesia tentunya menawarkan peluang yang baik untuk pertumbuhan pasar saham. Niat investasi adalah pedoman aset yang dialokasikan ke opsi investasi untuk keuntungan dimasa depan. Tujuan penelitian ini adalah untuk mengukur dan menganalisis sikap, norma subjektif, dan persepsi kontrol perilaku terhadap niat investasi dengan literasi keuangan sebagai variabel moderasi. Penelitian ini merupakan jenis penelitian kuantitatif. Pengumpulan data dalam penelitian ini berasal dari kuesioner yang diisi sendiri oleh responden sebanyak 260 orang dari berbagai wilayah di Indonesia diantaranya Kota Makassar, Yogyakarta, Ambon dan Malang. Tehnik pengambilan sampel menggunakan purposive sampling dengan kriteria tertentu, dan teknik analisis menggunakan software Smart PLS. Hasil penelitian ini menunjukkan bahwa sikap investasi berpengaruh langsung dan signifikan terhadap niatl investasi, norma subyektif berpengaruh langsung dan signifikan terhadap niat investasi. Persepsi kontrol perilaku memiliki pengaruh langsung dan signifikan terhadap niat investasi. Literasi keuangan sebagai moderasi mampu memoderasi sikap, norma subjektif, dan persepsi kontrol perilaku terhadap niat investasi. Keywords: Theory Planed Behavior (TPB), Literasi Keuangan, Niat Investasi
The Meaning of Risk in Stock Investment: A Phenomenological Study of Beginner Investors Retnowati Jasa; Bambang Sugeng Dwiyanto; Dian Widyantini; Wiwit Agustina; Dany Luqyana Idris
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countrie
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.11496

Abstract

The development of the capital market in Indonesia has increased the number of novice investors investing in stocks through various digital platforms. However, this increased participation has not been fully accompanied by a deep understanding of investment risk. Most previous studies have focused on quantitative risk measurement, while the meaning of risk based on investors' lived experiences is still relatively rare. This study aims to understand the meaning of risk in stock investment from the perspective of novice investors using a phenomenological approach. This study employed a qualitative method with a phenomenological approach. Informants were selected through purposive sampling technique, namely novice investors who have actively invested in stocks, have experienced both profits and losses, and are willing to share their investment experiences. Data were collected through in-depth interviews, observation, and documentation, then analyzed using phenomenological analysis stages through bracketing, horizontalization, grouping themes, and compiling textural and structural descriptions to uncover the essence of informants' experiences. The results show that risk is interpreted as an integral part of stock investment, not simply the potential for financial loss. Experience with losses, market fluctuations, and emotional stress shapes investors' perspectives to become more rational, cautious, and able to control their emotions when making investment decisions. Furthermore, the social environment and digital media influence risk perception, although personal experience is a key factor in developing a more mature understanding. This research contributes to the development of behavioral finance studies by demonstrating that the meaning of risk is a construct of investors' lived experiences. The research findings also offer practical implications for regulators, securities firms, and educational institutions in designing investment education programs that emphasize risk understanding and managing investor behavior.
Kolaborasi Dosen-Mahasiswa Dalam Pelatihan Literasi Digital Bagi Masyarakat Desa: Pengabdian A. Istiqlal Assaad; Eva Syafaah Hasanah; Emilda; Samsidar; Wiwit Agustina
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.4981

Abstract

Kegiatan pelatihan literasi digital bagi masyarakat desa melalui kolaborasi dosen-mahasiswa bertujuan untuk meningkatkan pemahaman, keterampilan, serta kesadaran masyarakat dalam memanfaatkan teknologi digital secara bijak dan produktif. Pelaksanaan kegiatan dilakukan melalui beberapa tahapan, meliputi tahap perencanaan dan analisis kebutuhan, pembentukan tim kolaborasi dosen dan mahasiswa, penyusunan kurikulum dan materi pelatihan, sosialisasi dan koordinasi, pelatihan, pendampingan dan praktik lapangan berkelanjutan, monitoring dan evaluasi, serta pelaporan dan diseminasi hasil kegiatan. Hasil kegiatan menunjukkan adanya peningkatan yang signifikan pada tingkat literasi digital masyarakat desa, baik dari aspek pengetahuan teknis, sikap, maupun pola pikir terhadap penggunaan teknologi. Masyarakat tidak hanya mampu menggunakan perangkat digital secara mandiri, tetapi juga menjadi lebih kritis dalam mengakses informasi serta lebih sadar akan pentingnya keamanan dan etika digital. Selain itu, pelatihan ini mendorong pemanfaatan teknologi digital untuk kegiatan produktif di bidang ekonomi, pendidikan, dan layanan sosial. Pendekatan kolaboratif, kontekstual, dan aplikatif dalam pelatihan ini terbukti mampu memberikan dampak positif yang berkelanjutan serta berkontribusi pada peningkatan kualitas sumber daya manusia masyarakat desa dalam menghadapi tantangan era digital.
Public Service Innovation Strategy Towards Smart Government Wiwit Agustina; Muhammad Fazil; Dany Luqyana Idris; Nur Ayu
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 8 (2026): March
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18832482

Abstract

This study aims to analyze public service innovation strategies in realizing smart government and identify supporting and inhibiting factors in their implementation. Digital transformation in government is an urgent need in the information technology era, especially to improve the efficiency, transparency, and accountability of public services. This study uses a qualitative approach with a descriptive design. Data were collected through in-depth interviews, observations, and documentation studies of government agencies implementing digital-based public service innovations. Data analysis was conducted interactively through the stages of data reduction, data presentation, and conclusion drawing. Data validity was maintained through triangulation of sources and methods. The results show that public service innovation strategies towards smart government include service digitalization, business process simplification, data integration, strengthening transformational leadership, and increasing human resource capacity. The implementation of innovations has been proven to increase service time efficiency, information transparency, and public participation. 
Co-Authors A. Istiqlal Assaad Ahmad Muktamar B Anton Priyo Nugroho Bambang Sugeng Dwiyanto Dany Luqyana Idris Dian Widyantini Emilda Eva Syafaah Hasanah Jacomina Vonny Litamahuputty Muhammad Fazil, Muhammad Nur Ayu Nur Faliza Rachmadi Setiawan Retnowati Jasa Samsidar Sjahruddin, Herman