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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Linguanusa : Social Humanities, Education and Linguistic International Journal of Islamic Business and Economics (IJIBEC)
usamah
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Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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Implementation Of The Project Learning (PJBL) Model In Improving Learning Outcomes Of Integrated Islamic Primary School Students Usamah; Nurul Huda SA
Linguanusa : Social Humanities, Education and Linguistic Vol. 1 No. 3 (2023): Linguanusa : December 2023
Publisher : Insight School Academy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63605/ln.v1i3.25

Abstract

Introduction to The Problem : This research aims to determine the escalation of learning outcomes on the theme of economic business for class 5A students (Integrated Islamic School) SDIT Nurul Fikri Banjarmasin with apply model PjBL (Project Based Learning) Purpose : This Study use 2 Cycle, on every the cycle arranged on compile plan, carry out, observe and reflect.Design/methods/approach: The subjects in this research are Class 5A students at SDIT Nurul Fikri Banjarmasin totaling 27 students. Researcher using techniques analysis descriptive qualitative and descriptive quantitative. Analysis results data is collected through observation and test.Findings : Learning Thematic Payload Social Sciences on material business economy through learning model PjBL (Project Based Learning) can improving the learning outcomes of class 5A students at SDIT Nurul Fikri Banjarmasin. This is supported by the pre-cycle test results which are average is 55.3. After implementation Cycle I average value acquisition student of 72.7 and a classical completeness score of 37.03% or 10 people from 27 student Already finished, whereas Which Still Not yet complete 17 person. After That on cycle II obtained mark average acquisition student namely 86.03 and classical completeness of 88.88% or 24 of 27 person Already complete. Viewed from cycle I And II application model PjBl (Project Based Learning) on lesson Thematic load Social Sciences results occur study student increase very well.Research implications/limitations: The research has several limitations, especially in the selection of research subjects and analysis.Originality/value : It is hoped that the research results will become a simple guideline for subsequent research.
THE MODERATING ROLE OF INFORMATION TECHNOLOGY IN THE PERFORMANCE OF BAITUT TAMWIL MUHAMMADIYAH IN CENTRAL JAVA INDONESIA usamah; Hilda Lutfiani
International Journal of Islamic Business and Economics (IJIBEC) Vol 5 No 2 (2021): Volume 5 Nomor 2 Tahun 2021
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v5i2.3869

Abstract

This study aimed to analyze the moderating role of Information Technology in the performance of Baitut Tamwil Muhammadiyah in Central Java, Indonesia. The target population was members of this Islamic Microfinance Institution. Data from 2015 to 2018 in the Central Java Sharia Office was used to obtain a sample size of 14 from 21 BTMs. Multiple Regression Analysis was then applied to analyze this data and explain the relationship between variables. The results showed that independent variables, including CAR, NPF, and BOPO ratios are positively correlated with ROA (Return on Assets) of BTM, except FDR. Information technology system moderation variables including FDR_SYSTEM and BOPO_SYSTEM significantly and positively affect ROA, while CAR_SYSTEM and NPF_SYSTEM are negatively correlated with the returns on total assets of the institution. In general, BTM should use I.T. for excellent performance and join academics and other stakeholders to increase awareness of the benefits of these computer-based systems in Islamic Microfinance institutions.
Digitalisasi dan Kualitas Layanan dalam Meningkatkan Kinerja Keuangan KSPPS: Studi Kasus BTM Pekalongan dengan Dana Pihak Ketiga sebagai Variabel Moderasi Betty Pebriani; Usamah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i11.9620

Abstract

This study investigates the impact of service quality and digitalization on the profitability of KSPPS BTM Pekalongan, with Third-Party Funds (TPF) serving as a moderating variable. A quantitative approach was applied using a census method, involving 135 employees across 13 branch offices and 1 sub-branch. Data were collected through questionnaires and analyzed using moderated regression analysis (MRA). The results reveal that service quality has a positive and significant effect on profitability, while digitalization exerts a negative and significant influence. Additionally, Third-Party Funds negatively moderate the relationship between service quality and profitability, but positively moderate the relationship between digitalization and profitability. These findings underscore the importance of enhancing service quality and strategically implementing digitalization initiatives, alongside effective management of Third-Party Funds, to improve the financial performance of Islamic microfinance cooperatives.
Co-Authors Betty Pebriani Hilda Lutfiani Hilda Lutfiani Nurul Huda SA