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All Journal Jurnal Pendidikan Sosiologi dan Humaniora Jurnal Mirai Management DIKTUM: Jurnal Syariah dan Hukum AL-MAIYYAH Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Istiqro' Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Jurnal Hukum Ekonomi Syariah Journal on Education Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Review Pendidikan dan Pengajaran (JRPP) Ulumuddin : Jurnal Ilmu-ilmu Keislaman Jurnal Riset Bisnis dan Manajemen Journal of Economic, Public, and Accounting (JEPA) Jurnal Ilmu Manajemen Profitability Al-MAIYYAH : Media Transformasi Gender dalam Paradigma Sosial Keagamaan Economics and Digital Business Review El-kahfi : Journal of Islamic economics International Journal of Health, Economics, and Social Sciences (IJHESS) SOCIAL : Jurnal Inovasi Pendidikan IPS Jurnal Ar-Ribh Jurnal Ekonomi dan Bisnis INVOICE : JURNAL ILMU AKUNTANSI Transekonomika : Akuntansi, Bisnis dan Keuangan Jurnal Altifani Penelitian dan Pengabdian kepada Masyarakat Banco: Jurnal Manajemen dan Perbankan Syariah Balanca : Jurnal Ekonomi dan Bisnis Islam Golden Ratio of Data in Summary DIKTUM: JURNAL SYARIAH DAN HUKUM Moneta: Jurnal Manajemen & Keuangan Syariah Economos : Jurnal Ekonomi dan Bisnis Ekalaya : Jurnal Ekonomi Akuntansi Al Rikaz : Jurnal Ekonomi Syariah RESLAJ: Religion Education Social Laa Roiba Journal Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan JER Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Islamic Financial And Accounting Review HUKUM EKONOMI ISLAM Jurnal of Islamic Economic Studies Balance: Jurnal Ekonomi
Syahriyah Semaun, Syahriyah
Institut Agama Islam Negeri Parepare
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences Other

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Factors Influencing Consumptive Behavior of Students of UPT SMA Negeri 5 Parepare Nurhamida, Nurhamida; Semaun, Syahriyah; Firman, Firman; Suarning, Suarning; Damirah, Damirah
Jurnal Ilmu Manajemen Profitability Vol. 8 No. 2 (2024): AGUSTUS 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/profitability.v8i2.13648

Abstract

A description of the consumer behavior of SMA Negeri 5 Parepare students is the aim of this research. Consumer behavior is the dependent variable, and financial literacy, hedonic lifestyle, and social environment are factors that influence it. Field research is a type of research whose research method uses quantitative descriptive research. The total population was 387 people, and 80 samples were taken. Questionnaires are used in research to obtain data. The research results show: Based on the results of the t test, it shows that there is an influence between Financial Literacy and Consumptive Behavior with a value of 0.000 < 0.05, so H1 is accepted. There is an influence of Lifestyle on Consumptive Behavior with a value of 0.001 < 0.05, so H2 is accepted. Furthermore, there is no influence between the Social Environment and Consumer Behavior with a value of 0.115 > 0.05, so H3 is rejected. Furthermore, the variable that most dominantly influences Consumptive Behavior is the Financial Literacy variable with a value of 0.868.
Implementation of Good Corporate Governance towards Productive Zakat Distribution at BAZNAS Kab. Majene (Sharia Economic Review) Irmawati, Irmawati; Darmawati, Darmawati; Semaun, Syahriyah; Muliati, Muliati; Damirah, Damirah
Jurnal Ilmu Manajemen Profitability Vol. 9 No. 1 (2025): FEBRUARY 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/profitability.v9i1.15371

Abstract

This research analyzes the implementation of Good Corporate Governance towards the distribution of productive zakat in BAZNAS Kab. Majene (Sharia Economic Review). The aim of this research is to determine the productive zakat distribution system, the implementation of Good Corporate Governance and an overview of sharia economics at BAZNAS Kab. Majene. The research method used is a qualitative method. The research results show that (1). Management of productive zakat funds goes through the stages of planning, implementation, control (evaluation), reporting and accountability. Collecting productive zakat funds at BAZNAS BAZNAS Majene Regency is through socialization, forming zakat collection or payments that do not yet use application features to facilitate transactions between Muzakki and zakat Amil so that zakat Amil still use a manual system. (2). BAZNAS Kab. Manjene has implemented the principles of good corporate governance in the distribution of zakat funds. BAZNAS District. Manjene routinely provides open financial reports to the muzakki, divides the organizational structure and assigns tasks according to areas of expertise, zakat distribution is in accordance with the institutions responsible for the muzakki and the needs of the mustahik. (3). Distribution of productive zakat at BAZNAS Kab. In carrying out its duties, Manjene has implemented GCG, carried out its duties honestly, responsibly, disciplined and sincere, these characteristics are a description of the characteristics of tabligh, trust, fatonah and siddiq. The distribution of professional zakat is not fully in accordance with the Qur'an because it is mostly distributed to the poo.
Comparative Analysis of Bank Soundness Levels Using the RGEC Method at PT. Bank Muamalat and PT. Indonesian Sharia Bank Nurfadillah, Nurfadillah; S, Andi Bahri; Damirah, Damirah; Semaun, Syahriyah; Muliati, Muliati
Jurnal Ilmu Manajemen Profitability Vol. 9 No. 1 (2025): FEBRUARY 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/profitability.v9i1.17353

Abstract

Comparison between the health levels of Bank Muamalat , a national private bank, and Bank Syariah Indonesia, a state-owned enterprise, is based on their published 2022 annual financial statements. This study aims to assess the financial health of both banks and compare their health levels using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital). The research employs a quantitative approach with a comparative field research type, focusing on financial health by analyzing financial performance in 2022 through the RGEC method. This study uses secondary data sourced from the 2022 annual reports of both banks, published by the Financial Services Authority (OJK). The findings indicate that Bank Muamalat performed well in liquidity and capital but needs improvement in profitability, particularly in return on assets. The composite rating for Bank Muamalat in 2022 was 68.57%, placing it in the PK-3 category, meaning it is 'Quite Healthy.' Bank Syariah Indonesia exhibited excellent performance in risk profile, capital, and operating margins. Its composite rating in 2022 was 74.28%, classifying it under the PK-2 category, meaning it is 'Healthy.' The different composite rankings suggest variations in financial health between the two banks. Future research is recommended to incorporate additional assessment factors and continue using the RGEC method to provide a more comprehensive evaluation of bank health.
IMPLEMENTASI MULTI AKAD PRODUK GADAI EMAS DI PT BANK SYARIAH INDONESIA TBK KANTOR CABANG MAMUJU (TINJAUAN EKONOMI SYARIAH) Sahabuddin, Sahabuddin; Mahsyar , Mahsyar; Damirah, Damirah; Semaun, Syahriyah; S, Andi Bahri
Jurnal Review Pendidikan dan Pengajaran Vol. 7 No. 3 (2024): Vol. 7 No. 3 (2024): Volume 7 No 3 Tahun 2024 (Special Issue)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v7i3.30963

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana pengimplementasian multi akad gadai emas serta mengetahui alur proses transaksi gadai menurut pandangan ekonomi syariah pada PT Bank Syariah Indonesia Tbk Kantor Cabang Mamuju. Metode yang digunakan dalam penelitian ini adalah metode deskriptif kualitatif menggunakan pendekatan studi kasus. Sumber data dalam penelitian ini terdiri atas sumber data primer dan sumber data sekunder. Penelitian ini dilaksanakan di Lokasi penelitian ini adalah PT Bank Syariah Indonesia Tbk Kantor Cabang Mamuju Yang Jl Urip Sumoharjo No 44 kel. Karema Kec. Mamuju Kab. MAmuju Sulawesi Barat. Subjek peneltian ini berjumlah 19 orang yang terdiri dari 4 orang Pegawai dan 15 orang Nasabah. Hasil penelitian menunjukkan bahwa PT Bank Syariah Indonesia Tbk Kantor Cabang Mamuju merupakan hasil merger tiga bank syariah anak Perusahaan Bank BUMN yaitu BSM, BNIS dan BRIS. PT Bank Syariah Indonesia Tbk Kantor Cabang Mamuju dari ex BSM dimana sebelum merger sudah memiliki konter layanan gadai dan konter layanan gadai inilah yang berlanjut sampai saat ini. Skema multi akad yang digunakan adalah skema tiga akad yaitu rahn sebagai pengikatan jaminan emas qard sebagai akad pinjaman dan ijarah sebagai akad pengenaan biaya titipan (mu’nah) dalam penerapa akadnya dicantumkan dalam SBGE dan ditandatangani nasabah dengan petugas bank. Gadai memiliki beberapa tahapan transaksi yaitu tahap awal proses pencairan kemudian proses penyinpanan agunan proses perpanjangan dan yang terakhir proses pelunasan gadai emas. Dalam penerapannya gadai emas harus sesuai dengan prinsip prinsip ekonomi islam yaitu ketauhidan kemaslahatan dan prinsip keadilan sesuai dengan syariat Islam dan tertuang dalam Al-Qur’an maupun Hadist. Hasil penelitian menunjukkan keseluruhan proses transaksi multi akad gadai emas pada PT Bank Syariah Indonesia Tbk Kantor Cabang Mamuju sudah sesuai dengan prinsip hukum ekonomi syariah.
STRATEGI PEMBERDAYAAN MASYARAKAT DAN PENGELOLAAN LINGKUNGAN MELALUI PROGRAM BANK SAMPAH DI KOTA PAREPARE Ayu, Sinar; Semaun, Syahriyah; Muliati, Muliati; Suarning, Suarning; S, Andi Bahri
Jurnal Review Pendidikan dan Pengajaran Vol. 7 No. 3 (2024): Vol. 7 No. 3 (2024): Volume 7 No 3 Tahun 2024 (Special Issue)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v7i3.31550

Abstract

Penelitian ini bertujuan untuk menganalisis strategi pemberdayaan masyarakat dan pengelolaan lingkungan melalui program bank sampah di Kota Parepare. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus. Data dikumpulkan melalui wawancara, observasi, dan dokumentasi, serta dianalisis menggunakan model interaktif dari Miles dan Huberman. Hasil penelitian menunjukkan bahwa program bank sampah di Kota Parepare berhasil meningkatkan partisipasi masyarakat dalam pengelolaan sampah dan memberikan manfaat ekonomi bagi masyarakat. Terdapat 12 bank sampah aktif yang beroperasi di berbagai kelurahan, yang berfungsi sebagai tempat pengumpulan sampah yang telah dipilah sebelum dijual atau didaur ulang. Partisipasi masyarakat dalam program ini cukup signifikan, dengan beberapa nasabah menyatakan bahwa program ini membantu mengelola sampah rumah tangga dan memberikan tambahan penghasilan. Namun, program ini masih menghadapi kendala seperti rendahnya kesadaran masyarakat dan keterbatasan fasilitas. Rekomendasi yang diberikan termasuk peningkatan fasilitas, edukasi dan sosialisasi, kolaborasi dengan sektor swasta, dan pemberian insentif kepada masyarakat yang berpartisipasi aktif. Dengan demikian, diharapkan program bank sampah di Kota Parepare dapat berjalan lebih efektif dan memberikan manfaat yang lebih besar bagi masyarakat dan lingkungan
PENGARUH FINANCIAL LITERACY DAN INVESTMENT PLATFORM TERHADAP MINAT BERINVETASI PADA PASAR MODAL SYARIAH (Studi Generasi Millenial Kota Parepare): (Studi Generasi Millenial Kota Parepare) Wardana, Wisnu; Suarning, Suarning; Kamal Zubair, Muhammad; Semaun, Syahriyah; Muliati, Muliati
Jurnal Istiqro Vol. 10 No. 1 (2024): Januari 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i1.2824

Abstract

Investment is a component that is used as a standard for measuring economic growth in a country. The high and low level of investment in a country will greatly affect the cycle and economic activity in the country. One of the investment instruments that is increasingly in demand by the public today is the capital market, including the Islamic capital market. This is based on the phenomenon of increasing the number of investors in the Islamic capital market, especially during the Covid-19 pandemic which is dominated by millennials and z generations. The increase in the number of millennial generation investors is supported by increasing awareness of financial literacy. Another supporting factor is the development of technology and information systems that make it easier to invest in investment platforms that can be accessed on gadgets. So the purpose of this study is to provide an overview of the interest of the millennial generation of Parepare City to invest in the Islamic capital market. The influencing factors are financial literacy and investment platform as independent variables and investment interest in the Islamic capital market as a dependent variable. The research method uses quantitative descriptive research with the type of Field Research research (field research). The population in this study is the millennial generation of Parepare City, with a sample of 100 people. Based on the results of data analysis, financial literacy variables positively affect the interest of the millennial generation to invest in the capital market. The investment platform variable has a positive effect on the millennial generation's interest in investing in the Islamic capital market.
IMPLEMENTASI PERATURAN WALIKOTA PAREPARE NO. 7 TAHUN 2018 TENTANG EFEKTIVITAS AKUNTABILITAS PENGELOLAAN ZAKAT DI BAZNAS PAREPARE Sarmila, Sarmila; Mahsyar, Mahsyar; Muliati, Muliati; Semaun, Syahriyah; Musyarif, Musyarif
Jurnal Istiqro Vol. 10 No. 2 (2024): Juli 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i2.2832

Abstract

This thesis discusses the implementation of Parepare City Regulation No. 7 of 2018 regarding the effectiveness of accountability in zakat management at BAZNAS Parepare. The purpose of this research is to determine the implementation of Mayor Regulation No. 7 of 2018 on the effectiveness and accountability of zakat management at the National Amil Zakat Agency (BAZNAS) in Parepare City. The research method used is qualitative research with a field research design. The number of informants in this study was 3 people from BAZNAS, and the data collection techniques included observation, interviews, and documentation. Data analysis employed data reduction, presentation, and conclusion drawing. The results of this research indicate that: 1) The implementation of Mayor Regulation No. 7 of 2018 on zakat management at BAZNAS Parepare has been carried out well in accordance with legal provisions for zakat management. BAZNAS has demonstrated commitment to accountability and transparency by integrating open reporting mechanisms that are easily accessible and comply with Sharia principles. 2) The effectiveness of zakat management at BAZNAS Parepare shows effective management, as evidenced by an open and easily accessible reporting system for the public, and BAZNAS's ability to ensure that zakat funds are distributed appropriately in accordance with Sharia principles and community needs. 3) Accountability in zakat management at BAZNAS Parepare indicates that BAZNAS Parepare has shown a high level of accountability in zakat management. The independent audit process validates BAZNAS's performance in ensuring compliance with accounting standards and Sharia provisions, demonstrating BAZNAS's seriousness in maintaining transparency and integrity, and making zakat management responsive to community needs
PENGARUH KARAKTERISTIK PEMASARAN SYARIAH TERHADAP BUNGA TABUNGAN NASABAH DI BANK SYARIAH INDONESIA CABANG MAKASSAR Semaun, Syahriyah; Rasyid, Siti; Musmulyadi, Musmulyadi
Jurnal Riset Bisnis dan Manajemen Vol. 16 No. 2 (2023): August Edition
Publisher : Faculty of Economic and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrbm.v16i2.7385

Abstract

The study aims to measure, investigate, and examine how Islamic This study aims to determine the influence of the characteristics of Sharia Marketing which consists of Theistic (Rabbaniyyah), Ethical (Akhlaqiyyah), Realistic (Al-Waqi'yyah) and Humanistic (Al-Insaniyyah) variables on the interest in saving and to find out the dominant variable that simultaneously influences the characteristics of Sharia Marketing on the interest in saving. This is a quantitative research with descriptive method. The data collection by distributing questionnaires. The methods used to test the hypothesis is Multiple Regression Analysis. The results are: (1)the variable Theistic (Rabbaniyyah), Ethical (Akhlaqiyyah), and Realistic (Al-Waqi'yyah) has a positive and insignificant influence on the variable of interest in saving, (2)the variable Humanistic (Al-Insaniyyah) has a positive and significant influence on the variable of interest in saving and the variable Humanistic (Al-Insaniyyah) has the most dominant influence simultaneously on interest in saving. That influence can be interpreted by increasing customer interest in saving at Bank Syariah Indonesia.
Analysis of M-Banking Service Factors on Customer Satisfaction at Indonesian Sharia Banks Kc Mamuju Mandasari, Puti; Muhammadun, Muzdalifah; Semaun, Syahriyah; Aminah, St; S, Andi Bahri
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.13959

Abstract

Business competition in the banking sector is now increasingly fierce, both in domestic and international markets. The quality of customer service is the main key for banking companies to maintain customer trust and satisfaction. In providing optimal service, the bank integrates technology through Mobile Banking (m-banking) services to meet customer needs. This research aims to evaluate the influence of various aspects of m-banking, such as system security, company credibility, ease of use, and speed on customer satisfaction at Bank Syariah Indonesia KC Mamuju. Quantitative research methods were used by collecting data through questionnaires to 94 respondents. The research results show that the variables of system security, company credibility, and m-banking speed positively influence customer satisfaction, with a joint influence reaching 56.4%. Multiple linear regression analysis shows that system security (X1), company credibility (X3), and speed (X4) have a significant positive influence on customer satisfaction (Y). The resulting regression equation is Y = 2.624 + 0.227 X1 + 0.211 X3 + 0.407 X4 + e. Thus, it can be concluded that the higher the quality of m-banking services, the greater customer satisfaction at Bank Syariah Indonesia KC Mamuju will increase. However, there were 2% complaints, indicating that improvements are still needed to improve the m-banking user experience.
Micro, Small and Medium Enterprise Strategies for Women in Facing Competition in Bacukiki District, Parepare City Dewintara, Eka; Aminah, St.; Semaun, Syahriyah; Muliati, Muliati; S, Andi Bahri
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.14021

Abstract

This research discusses the strategies of women's micro, small and medium enterprises in facing competition in Bacukiki sub-district, Parepare city. This research is descriptive qualitative research with a type of field research, phenomenological research approach. The main problem in this research is how women's micro, small and medium enterprises face competition in Bacukiki sub-district, Parepare city. It was found that women in micro, small and medium enterprises in the Bacukiki subdistrict of Parepare city had high motivation in running their businesses. It can be seen that women run businesses because of their hobbies, dreams of owning a business and becoming successful entrepreneurs and wanting to help the family economically. The steps taken by women so that their business continues to run as desired are that they carry out regular evaluations, both monthly and weekly evaluations, then seek more knowledge about the business they are running so that their business can develop further, and they determine their target market, carry out planning and provide promotions or discounts to consumers.
Co-Authors Abdul Hamid Abdullah Fauzan Adani S, Andi Putri Zahirah Ade Hastuti Ainul Fatha Isman Ali Wardani Ali, St Nurhayati Alifkah, Ayu Amin, Sitti Jamilah Aminah, St An Ras Try Astuti Andi Bahri S Andi Bahri, Andi Andi Bahri. S Andi Muhammad Fawzy Ramadhan Anggi, Anggeryani Syam Arqam Arqam, Arqam Asia, Nurul Astuti, An Ras Try Ayu, Sinar Bahri. S, Andi Bunga, Purnamasari Cahya, Nilam Cakrah, Yuyun Andira Citra Dewi Damirah Damirah Damirah Damirah Damirah Damirah Damirah DAMIRAH DAMIRAH, DAMIRAH Darmawati Darmawati Darmawati Darmawati Darmawati Darwis Darwis Darwis Dewi Setiyawati Dewintara, Eka Emily Nur Saidy Fadhliyah Ulfah Rustan Fatmawati, Fatmawati Firman Firman Firman Frihatni, Andi Ayu Gustia H, Muh Ilyas Hannani Hikmawati hilda, Evi Andriana Hj. St Nurhayati Husnul Khatimah Idris, Mahsyar Imamah, Ayu Nur Irmawati Irmawati Islamul Haq Islamulhaq, Islamulhaq Isma Wulandari Pryatna Jumaini. S, Jumaini. S Juneda Juneda Juneda, Juneda Kamal Zubair, Muhammad Kartika Sabir Kurniawan, Andis lukman, nurhidaya Mahsyar , Mahsyar Mahsyar, Mahsyar Marhani Marhani MARIA BINTANG Moh. Yasin Soumena Muh. Ahsan Kamil Muhammad Kamal Zubair Muhammad Kamal Zubair Muhammad Kamal Zubair, Muhammad Kamal Muhammad Rusydi Navri Muhammad Suras Muhammadun , Muzdalifah Muliati Muliati Muliati, Muliati Murhim, Murhim Musakkir , Musakkir Musdalifah Musdalifah Musmulyadi Musmulyadi Musmulyadi, Musmulyadi Musyarif Musyarif, Musyarif Muzdalifah Muhammadun Muzdalifah Muhammadun, Muzdalifah Nurfadillah Nurfadillah Nurhamida Nurhamida, Nurhamida Nurhayati, St. Nurjannah Nurjannah Patmawati, Andi Kiki Putri, Winda Reskiyan Rachman, Mawaddah Rahim, Rahmatika Rahmatillah, Sri Fatimah Rasyid, Siti Rasyid, St. Cheriah Ridlo, Muhammad Rasyid Rini Purnamasari, Rini Riska Rismah Rukiah Rukiah Rusanda, Risman S, Andi Bahri Sadli, Nurhemifitrah SAHABUDDIN SAHABUDDIN Sahara, Ira Sardia Sarmila, Sarmila Siti Nuraeni Sitti Jamilah Amin Sri Fatimah Rahmatillah St. Aminah St. Aminah St. Nurhayati St. Nurhayati Suarning Suarning, Suarning Sumi Susianti, Susianti Umar, Umrah Yani Wahyuni, A Widodo, Uun Purwati Wisnu Wardana, Wisnu Zyahratul Wilda