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Analisis Faktor – Faktor Yang Mempengaruhi Keputusan Konsumen Dalam Memilih Belanja Di Alfa Mart Curup Istan, Muhammad
AL-FALAH : Journal of Islamic Economics Vol 1, No 1 (2016)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v1i1.62

Abstract

This study are to investigate the influence of cultural factors, social factors, personal factors and psychological factors on purchase decision in Alfa MartCurup. Analysis using multiple linear regression, F test, t test, test the coefficient of determination (R2). Multiple linear regression analysis showed that all variables figures obtained positive coefficient. The test results (F) indicates that the variable personal factors, social factor, cultural factors, psychological factor, and price factors together influence the purchasing decisions in Alfa Mart Curup. T test results showed that the variables of individual factors and psychological factors significantly influence purchasing decisions while variable cultural factors and social factors do not significantly influence the purchasing decision. To test the R2 (coefficient of determination) indicates that the variable cultural factors, social factors, personal factors and psychological factors were able to explain the variability of the variable of 21.7%. While the remaining 78.3% is explained by other variables outside the model. Keywords : Buying, Shoping, Consumer, Decision, Alfa Mart, personal factors, social factors, cultural factors,psychological factors and price factors.
Pengentasan Kemiskinan Melalui Pemberdayaan Ekonomi Umat Menurut Persfektif Islam Istan, Muhammad
AL-FALAH : Journal of Islamic Economics Vol 2, No 1 (2017)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v2i1.199

Abstract

Poverty as a social problem will never escape the attention and discussion of Islamic teachings. Islam explores some of the most urgent main themes of empowerment and community involvement in eradicating their poverty. The Quran as the main source of Islamic teachings echoed a moral call for social justice in the economy to be upheld against people living below the poverty line. Efforts to alleviate poverty, one of the main focuses in Islam is the doctrine of weak economic empowerment of the people. Islam considers human resources personally to be the main agent in empowering the peoples economy. Furthermore, Islam also sees that poverty alleviation is the collective responsibility of society so that the effort of economic empowerment of the poor becomes the collective obligation of all elements of society, especially poverty caused by social structure. It takes synergy between elements of society both government, ulama and society itself as subject and object of change. Some of the above empowerment models can be divided into two groups; Structural and cultural measures. Structural measures are more emphasized to the special institutions that handle them to run well, while cultural steps are emphasized on individuals, both individuals who are expected to be one of the subjects of poverty alleviation and empowerment of the poor and the poor and who became its object
Analisis tingkat kesehatan pt bank central asia (bca) syariah menggunakan metode rgec Istan, Muhammad; Permatalia, Riska; Hardinata, Hardinata
INOVASI Vol 17, No 1 (2021)
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (297.652 KB) | DOI: 10.29264/jinv.v17i1.8445

Abstract

Analisis kesehatan bank diperlukan untuk mengetahui bagaimana tanggung jawab suatu bank kepada pihak yang berhubungan secara langsung maupun tidak langsung. Tujuannya agar bank mengetahui kelemahan dan kekuatan yang dimiliki serta langkah apa yang akan dilakukan kedepannya, sebagai evaluasi atas kinerja, dan sebagai pembanding dalam persaingan industri perbankan. Penelitian ini bertujuan untuk menganalisis tingkat kesehatan PT Bank Central Asia (BCA) Syariah menggunakan metode RGEC periode 2013-2019. Variabel dan pengukuran pada penelitian ini terdiri dari faktor Risk Profile yang diukur dengan rasio NPF dan FDR, faktor GCG yang dianalisis berdasarkan self assesment PT BCA Syariah, faktor Earning yang diukur dengan rasio NOM, ROA, ROE, faktor Capital yang diukur dengan rasio CAR. Penelitian ini merupakan penelitian deskriptif dengan pendekatan kuantitatif pada PT BCA Syariah dan menggunakan data sekunder yang dianalisis menggunakan metode RGEC. Berdasarkan hasil penelitian menunjukkan bahwa peringkat komposit kesehatan PT BCA Syariah menggunakan metode RGEC pada tahun 2013-2014 berada dalam peringkat cukup sehat, sedangkan tahun 2015-2019 berada dalam peringkat sehat.
SWOT Analysis in the Determination of Competing Strategies (Study at PT. Bank Syariah Indonesia Curup Branch) Istan, Muhammad
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 1 (2022): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i1.3897

Abstract

This research aims to find out and analyze how SWOT analysis in the determination of competing strategies. This research was conducted at PT. BSI Curup Branch Office. The results of this study are internal factors in determining competing strategies in PT. BSI Curup Branch Office consists of strengths including: Good governance and behavior or culture of Sharia Bank, positive investment climate and high work spirit, normal FDR, positive contribution to society and sustainability environment, helping entrepreneurs in Rejang Lebong Regency. And disadvantages include: Limited experts, lack of supporting facilities, lack of supporting rules, promotion or door to door recognition and limited technology. External factors in determining competing strategies in PT. BSI Curup Branch Office consists of opportunities including: Majority of Muslim communities, cooperation, high community potential, MUI fatwa and the opening of KC Pembantu. And the threats include: Total banking share, lack of understanding of Islamic banking, difficult and complicated impressions on Islamic banks, social impressions on Islamic banks and less support from the public. Strategies that can be used one of them to determine competing strategies on PT. BSI Curup Branch Office is a stable growth strategy, meaning in competition in Islamic banking PT. BSI Curup Branch Office.
The Effect of External and Internal Factors on Financial Performance of Islamic Banking Istan, Muhammad; Fahlevi, Mochammad
Jurnal Ekonomi & Studi Pembangunan Vol 21, No 1: April 2020
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.21.1.5036

Abstract

Macroeconomic factors and internal factors are variables that affect sharia banking. These factors are GDP, inflation, and interest rates, FDR, OER, which can affect directly or indirectly, the financial performance of sharia banks in Indonesia. The result has shown GDP has a significant positive effect on ROA, it is matching with several previous research, Inflation has no significant and negative effect on ROA, because when inflation central bank will give policy to increase BI rate, and sharia bank doesn’t affect with interest rate because interest is riba, interest rate has no significant effect on ROA because sharia bank doesn’t effect with interest but use profit and loss sharing to financing, so in macroeconomic the result only GDP has significant and positive effect on ROA. The result has shown FDR has no significant effect on ROA but has positive effect and the result match with previous research in relationship FDR and ROA, OER has a significant negative effect on ROA
Pelaksanaan Proyek Penguatan Profil Pendidikan Pancasila Studi pada Tema Kearifan Lokal Abdiyantoro, Restu; Fitri, Mega; Gunawan, Guntur; Istan, Muhammad; Gusmuliana, Paidi
Indonesian Journal of Innovation Multidisipliner Research Vol. 2 No. 2 (2024): June
Publisher : Institute of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/ijim.v2i2.80

Abstract

Penelitian ini membahas tentang Bagaimana keterlaksanaan Projek Penguatan Profil Pelajar Pancasila Pada Tema Kearifan Lokal Kelas IV Di SDN 02 Rejang Lebong. Tujuan penelitian ini adalah untuk Mendeskripsikan Keterlaksanaan Projek Penguatan Profil Pelajar Pancasila Pada Tema Kearifan Lokal KelasIV di SDN 02 Rejang Lebong. Teknik pengambilan sampel menggunakan kuesioner dengan sumber peneliti yaitu siswa kelas IV. Alat uji analisis yang digunakan adalah SPSS dengan teknik korelasi pearson product moment. Hasil penelitian ini menunjukkan bahwa bahwa dari Dimensi Bernalar Kritis dengan interval Cukup Baik sebanyak 75%. Kemudian untuk Dimensi BerkebhinekaanGlobal dengan interval Cukup Baik juga yaitu sebanyak 81%. Dan dari kedua Dimensi tersebut didapatkan interval Sangat Baik sebanyak 87% keterlaksanaan dan dapat di simpulkan Projek Penguatan Profil Pelajar Pancasila berjalan dengan sangat baik. Peserta didik mampu menerapkan dimensi Profil Pelajar Pancasila yang terdapat pada modul projek temakearifan lokal. Pada kegiatan ini peserta didik diharapkandapat menerapkan nilai-nilai Pancasila pada kegiatan apapun.
Pengaruh Intensitas Belajar Dan Lingkungan Sekolah Terhadap Hasil Belajar Peserta Didik Pada Materi Sholat Fardhu Diana Sari, Novita; Eka Wijaya, Sukma; Hafizah, Tamama; Selviani, Rani; Gunawan, Guntur; Istan, Muhammad; Gusmuliana, Paidi
Indonesian Journal of Innovation Multidisipliner Research Vol. 2 No. 1 (2024): March
Publisher : Institute of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/ijim.v2i1.82

Abstract

This study discussed whether there was an influence of study intensity and school environment on student learning outcomes in the subject of Fardhu Prayer at SMP Negeri 05 Lebong. The purpose of this study was to determine how study intensity and the environment influenced student outcomes in the Fardhu Prayer material. The sampling technique used was a questionnaire with the researchers' source being seventh grade students, and observations were also utilized. The analytical tools used included SPSS with Descriptive Analysis, Inferential Analysis, T-test, and F-test as the analysis methods, along with the Pearson product-moment correlation technique. This research shows that study intensity, school environment, and learning outcomes reveal significant findings that indicate a strong and positive influence of several factors on student learning outcomes in the subject of Fardhu Prayer. Through the t-test, it is found that both study intensity and the school environment individually have a significant impact, with a t-value of 3.225 each, far exceeding the t-table value of 1.664 and a p-value of 0.002. Furthermore, the F-test, which combines both variables, shows an F-value of 7.242, exceeding the F-table value of 3.12 and a very low p-value (0.001), indicating an effective synergy between the two factors in enhancing material understanding. These results affirm the importance of intensifying efforts to maintain a conducive learning environment and encouraging students to increase their study intensity to achieve optimal learning outcomes.
Pengaruh Kegiatan Ekstrakurikuler Pengajian Al-Qur’an Terhadap Aktivitas Belajar Siswa pada Mata Pelajaran PAI Junaidi, Riskan; damayanti, wiwik; Saputra, Roja; Sari, Novita; Gunawan, Guntur; Istan, Muhammad; Gusmuliana, Paidi
Indonesian Journal of Innovation Multidisipliner Research Vol. 2 No. 3 (2024): September
Publisher : Institute of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijim.v2i3.109

Abstract

Penelitian ini membahas tentang Bagaimana Kegiatan ekstrakulikuler pengajian alquran dengan aktifitas belajar pada siswa SMA 4 Rejang Lebong. Tujuan penelitian ini adalah untuk Mendeskripsikan Bagaimana pengaruh Kegiatan ekstrakulikuler pengajian alquran dengan aktifitas belajar pada siswa SMA 4 Rejang Lebong. Teknik pengambilan sampel menggunakan kuesioner dengan sumber peneliti yaitu siswa kelas 10 penelitian ini menggunakan jenis penelitian kuantitatif dengan pendekatan determinatif. Hasil penelitian ini menunjukkan bahwa pelaksanaan kegiatan ini tergolong "Cukup Baik" dengan skor variabel x sebesar 1226 dan y sebesar 1239, masing-masing dalam kategori “Baik” pada persentase 46-60%. Analisis menunjukkan bahwa kegiatan ini memiliki pengaruh kuat atau tinggi terhadap aktivitas belajar siswa, dengan koefisien korelasi 0,84 dan determinasi 70,56%. Hal ini menunjukkan bahwa kegiatan Pengajian Al-Qur’an membantu mengembangkan minat, bakat, dan pemikiran kritis siswa, serta meningkatkan prestasi baik di sekolah maupun dalam kegiatan tersebut.
REVOLUSI TEKNOLOGI DALAM PENDIDIKAN ISLAM DI ZAMAN GLOBALISASI Putri, Neni; Yanto, Murni; Istan, Muhammad; Destriani, Destriani
Tarbiyatuna Kajian Pendidikan Islam Vol 8 No 2 (2024): (September 2024)
Publisher : LPPM Institut Agama Islam Ibrahimy Genteng Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/tarbiyatuna.v8i2.2441

Abstract

In the current era of globalization, people all over the world, including Indonesia, are feeling the big impact of technological advances. Huge advances in information technology have allowed us to quickly access a variety of content from all over the world. This relates to the study's overall objective, which is to analyze the impact of current technology on Islamic education in a globalizing world. Because of this, information is obtained through a survey of relevant scholarly literature. By using this method, the author can discover the impact of technology on education in the era of globalization. In this analysis, community culture, materialistic individuals, privatization of education, and technological dependence are considered. The education sector faces many challenges in the current era of globalization. They come from external sources. There are advantages and disadvantages to these outside issues and causes. On the other hand, this allows Islamic schools to remain true to Islamic teachings while advancing in sophistication, creativity, and innovation.
Implementasi Fraud Control Plan Dalam Pengelolaan Dana Bantuan Operasional Sekolah Antoni, Jono; Candira, Dedi; Hamengkubuwono; Istan, Muhammad
El-Idare Vol 10 No 2 (2024): El-Idare
Publisher : Program Studi Manajemen Pendidikan Islam Fak. Ilmu Tarbiyah dan Keguruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/elidare.v10i2.25291

Abstract

This study examines the implementation of the Fraud Control Plan (FCP) in managing School Operational Assistance (BOS) funds at SD Negeri 12 Kepahiang. The primary issues identified include low transparency and accountability in fund management and indications of fund misuse due to limited oversight. The research employs a qualitative method with a descriptive approach through interviews, observations, and document analysis. The findings reveal that FCP implementation begins with the formulation of internal policies as a guide for fund management, followed by the establishment of structured management procedures, internal monitoring, and training for relevant parties. Technology is also utilized to enhance transparency in fund usage. Risk identification in BOS fund management highlights potential misuse during the planning, implementation, and reporting stages, necessitating strict oversight. Fraud prevention and detection strategies include robust internal controls, the use of technology, and external supervision by the school committee and the education department. However, FCP implementation faces challenges such as limited human resources and technology, as well as resistance to change. Supporting factors that strengthen FCP implementation include an effective internal monitoring system and good understanding of accountability, while the main obstacles are the low administrative staff awareness and limited technological infrastructure. The study recommends further training and technological capacity-building to ensure the sustainable and effective application of FCP.