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Pengaruh Karakteristik Pemasaran Syariah Dan Reputasi Perusahaan Terhadap Kepuasan Nasabah Pada Pt Bank Muamalat Indonesia Cabang Malang Imam Nawawi; Andrean Permadi
RISK : Jurnal Riset Bisnis dan Ekonomi Vol. 3 No. 2 (2022)
Publisher : Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/risk.v3i2.4056

Penelitian ini bertujuan untuk mengetahui pengaruh karakteristik pemasaran syariah dan reputasi perusahaan baik secara simultan maupun secara parsial terhadap kepuasan nasabah pada PT Bank Muamalat Indonesia Cabang Malang. Penelitian ini menggunakan metode uji asumsi klasik, selain itu juga uji F, uji T, serta analisis regresi linier berganda. Penelitian ini memiliki sampel 95 nasabah PT Bank Muamalat Indonesia yang datang ke kantor Cabang Malang. Berdasarkan hasil analisis regresi linier berganda diperoleh persamaan : Y = - 1,822 + 0,362X1 + 0,417X2 + 0,05.Dari hasil analisis regresi linear berganda diperoleh hasil bahwa Variabel yang berpengaruh dominan terhadap kepuasan nasabah pada PT Bank Muamalat Indonesia Cabang Malang adalah variabel Karakteristik Pemasaran Syariah (X1) dengan kontribusi sebesar 41,3%. Nilai koefisien determinasi (R2) sebesar 0,547, artinya 55% kepuasan nasabah pada PT Bank Muamalat Indonesia Cabang Malang yang dipengaruhi oleh variabel Karakteristik Pemasaran Syariah (X1) dan Reputasi Perusahaan (X2), sedangkan sisanya yaitu 45% kepuasan nasabah pada PT Bank Muamalat Indonesia Cabang Malang dipengaruhi oleh variabel-variabel lainnya yang tidak diteliti dalam penelitian ini. Melalui uji F dapat diketahui bahwa seluruh variabel independen berpengaruh secara simultan terhadap variabel dependen. Pengujian hipotesis menggunakan uji T menunjukkan bahwa dari kedua variabel independen terbukti secara signifikan berpengaruh terhadap variabel dependen.

Analysis of the Implementation of Digitalization of Financial Statements in Micro, Small, and Medium Enterprises Susilowati, Eni; Andrean Permadi; Sri Hariyanti; Misbahul Munir; Agus Wahyudi
Open Access Indonesia Journal of Social Sciences Vol. 6 No. 4 (2023): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v6i4.170

Micro, small, and medium enterprises (MSMEs) that use a digitalized financial reporting system can gain easier access to financial services. Structured and accurate financial reports can assist them in applying for loans or obtaining financial support from financial institutions or investors. This study aimed to explore the use of digitizing financial reports for MSMEs in Tulungagung Regency, Indonesia. This study is qualitative observational research. The data used in this study are primary data and secondary data. As many as 30 MSMEs in the culinary field, which are still operating in Tulungagung in 2023, were included in this study. MSMEs are not yet optimal in utilizing digitization due to several reasons, including limited MSME resources, lack of understanding, and limited knowledge of MSME owners who may not have sufficient understanding of the benefits and process of digitizing financial statements and fear of data security and confidentiality. MSMEs may worry about the security of their data when using digitization systems, preference for conventional methods, implementation of digitization systems requires adjustment and integration with existing systems in MSMEs, technical challenges such as inadequate technological infrastructure, limited internet access, or lack of technical skills in operating the system can be an obstacle for MSMEs to use digitization of financial statements.

Causality of Consumption, Government Expenditure, and Distribution of ZIS Funds (Zakat Infaq and Shodaqoh) on Indonesia's Economic Growth Permadi, Andrean; Eni Susilowati; Sri Hariyanti; Dewi Nur Alfa Damayanti
Open Access Indonesia Journal of Social Sciences Vol. 5 No. 5 (2022): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v5i5.180

From the Islamic economic perspective, there are factors that can influence economic growth, namely the distribution of ZIS funds. The distribution of ZIS funds can be used to encourage economic growth in a positive direction. This study aimed to examine how the direction of the relationship between consumption, government expenditure, and distribution of ZIS funds has on Indonesia's economic growth. The method used is a quantitative approach, using Granger causality data analysis techniques and cointegration tests. The data used is secondary data from the Central Bureau of Statistics with the type of time series data. This study shows that there is a two-way causality between household consumption and Indonesia's economic growth. There is a one-way causality between government expenditure and Indonesia's economic growth, where Economic growth affects government expenditure and not vice versa. There is a one-way causality between the distribution of ZIS funds to Indonesia's economic growth, where the distribution of ZIS funds affects economic growth and not vice versa.

Analysis of the Implementation of Digitalization of Financial Statements in Micro, Small, and Medium Enterprises Susilowati, Eni; Andrean Permadi; Sri Hariyanti; Misbahul Munir; Agus Wahyudi
Open Access Indonesia Journal of Social Sciences Vol. 6 No. 4 (2023): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v6i4.170

Micro, small, and medium enterprises (MSMEs) that use a digitalized financial reporting system can gain easier access to financial services. Structured and accurate financial reports can assist them in applying for loans or obtaining financial support from financial institutions or investors. This study aimed to explore the use of digitizing financial reports for MSMEs in Tulungagung Regency, Indonesia. This study is qualitative observational research. The data used in this study are primary data and secondary data. As many as 30 MSMEs in the culinary field, which are still operating in Tulungagung in 2023, were included in this study. MSMEs are not yet optimal in utilizing digitization due to several reasons, including limited MSME resources, lack of understanding, and limited knowledge of MSME owners who may not have sufficient understanding of the benefits and process of digitizing financial statements and fear of data security and confidentiality. MSMEs may worry about the security of their data when using digitization systems, preference for conventional methods, implementation of digitization systems requires adjustment and integration with existing systems in MSMEs, technical challenges such as inadequate technological infrastructure, limited internet access, or lack of technical skills in operating the system can be an obstacle for MSMEs to use digitization of financial statements.

Causality of Consumption, Government Expenditure, and Distribution of ZIS Funds (Zakat Infaq and Shodaqoh) on Indonesia's Economic Growth Permadi, Andrean; Eni Susilowati; Sri Hariyanti; Dewi Nur Alfa Damayanti
Open Access Indonesia Journal of Social Sciences Vol. 5 No. 5 (2022): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v5i5.180

From the Islamic economic perspective, there are factors that can influence economic growth, namely the distribution of ZIS funds. The distribution of ZIS funds can be used to encourage economic growth in a positive direction. This study aimed to examine how the direction of the relationship between consumption, government expenditure, and distribution of ZIS funds has on Indonesia's economic growth. The method used is a quantitative approach, using Granger causality data analysis techniques and cointegration tests. The data used is secondary data from the Central Bureau of Statistics with the type of time series data. This study shows that there is a two-way causality between household consumption and Indonesia's economic growth. There is a one-way causality between government expenditure and Indonesia's economic growth, where Economic growth affects government expenditure and not vice versa. There is a one-way causality between the distribution of ZIS funds to Indonesia's economic growth, where the distribution of ZIS funds affects economic growth and not vice versa.

Zakat Calculator Application: Enhancing the Academic Performance of Islamic Economics Students Yusuf, Saifudin; Imam Nur Ngaini; Andrean Permadi; Wahidatun Nafiah Al; Hardining Estu M
Open Access Indonesia Journal of Social Sciences Vol. 8 No. 1 (2025): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v8i1.285

Zakat holds profound significance in the Muslim community. Its intricate calculations and diverse categories, however, often pose challenges for individuals striving to fulfill this religious obligation accurately. This research investigates the design, development, and impact of a Zakat Calculator Application on Islamic economics students' academic performance at UNU Blitar. By leveraging technology, this study aims to bridge the gap between traditional learning methods and the evolving needs of students in grasping the complexities of zakat. ADDIE development model (Analysis, Design, Development, Implementation, and Evaluation) guided the application's creation and evaluation. A sample of 60 students from a population of 90 was selected through simple random sampling. Data analysis involved descriptive statistics and an independent two-sample t-test to compare the performance of students using the application with those relying on traditional lecture and discussion methods. The Zakat Calculator Application demonstrated high validity and effectiveness. Expert evaluations yielded excellent scores (media experts: 96.25%, material and strategy experts: 95.55%, curriculum practitioners: 94.69%, lesson plan experts: 92.00%). The t-test results revealed significant improvement in academic performance for students using the application. The experimental group achieved a high academic performance level of 87.5%, compared to 50.5% in the control group. In conclusion, Zakat Calculator Application effectively enhances the academic performance of Islamic economics students. It simplifies zakat calculations, improves understanding of zakat regulations, and promotes compliance with Islamic principles. The application is recommended as a valuable learning tool in Islamic economics education.

Zakat Calculator Application: Enhancing the Academic Performance of Islamic Economics Students Yusuf, Saifudin; Imam Nur Ngaini; Andrean Permadi; Wahidatun Nafiah Al; Hardining Estu M
Open Access Indonesia Journal of Social Sciences Vol. 8 No. 1 (2025): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v8i1.285

Zakat holds profound significance in the Muslim community. Its intricate calculations and diverse categories, however, often pose challenges for individuals striving to fulfill this religious obligation accurately. This research investigates the design, development, and impact of a Zakat Calculator Application on Islamic economics students' academic performance at UNU Blitar. By leveraging technology, this study aims to bridge the gap between traditional learning methods and the evolving needs of students in grasping the complexities of zakat. ADDIE development model (Analysis, Design, Development, Implementation, and Evaluation) guided the application's creation and evaluation. A sample of 60 students from a population of 90 was selected through simple random sampling. Data analysis involved descriptive statistics and an independent two-sample t-test to compare the performance of students using the application with those relying on traditional lecture and discussion methods. The Zakat Calculator Application demonstrated high validity and effectiveness. Expert evaluations yielded excellent scores (media experts: 96.25%, material and strategy experts: 95.55%, curriculum practitioners: 94.69%, lesson plan experts: 92.00%). The t-test results revealed significant improvement in academic performance for students using the application. The experimental group achieved a high academic performance level of 87.5%, compared to 50.5% in the control group. In conclusion, Zakat Calculator Application effectively enhances the academic performance of Islamic economics students. It simplifies zakat calculations, improves understanding of zakat regulations, and promotes compliance with Islamic principles. The application is recommended as a valuable learning tool in Islamic economics education.

The Islamic Financial System as a Solution to Poverty Problems in Indonesia Wahidatun Nafiah Alfarda; Saifudin Yusuf; Hardining Estu M; Imam Nur Ngaini; Andrean Permadi
El-Qish: Journal of Islamic Economics Vol. 4 No. 2 (2024): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar

Poverty is one of the main challenges faced by Indonesia, a country rich in natural resources and human potential. The presence of Islamic financial system is considered suitable for poverty alleviation programs. Islamic economics adheres to the principle of synergy (ta'awun) by creating economic justice to equalize the distribution of income and wealth, which is the goal of Islamic financial system. This research is a qualitative study with an inductive reasoning approach through a library research process. The data sources used to build the concept are secondary data derived from previous research in the form of articles discussing poverty. The research results show that the poverty rate in Indonesia tends to decrease from year to year. Market and banksbased industry have philosophical principles and operational bases that are integrated with social values and economic activities. Poverty will be reduced if all elements of society work together to support programs originating from the government and from other institutions, such as banking support for poverty alleviation.

Pentahelix Collaboration for MSME Entrepreneurship Ecosystem Development during National Santri Day Gautama Sastra Waskita; Denny Rakhmad Widi Ashari; Samlatul Izzah; Desi Rahmawati; Andrean Permadi
ADI Pengabdian Kepada Masyarakat Vol 6 No 2 (2026): ADI Pengabdian Kepada Masyarakat
Publisher : ADI Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/adimas.v6i2.1463

The development of local entrepreneurship ecosystems requires collaborative engagement among multiple stakeholders to address the challenges faced by micro, small, and medium enterprises (MSMEs), particularly in digital marketing, business networking, and community-based economic empowerment. However, socio-cultural public events in regional contexts are often implemented only as ceremonial activities and have not been optimally utilized as platforms for entrepreneurship activation and collaborative ecosystem development. This community service program aimed to strengthen the local entrepreneurship ecosystem through a Pentahelix-based public engagement model during the National Santri Day 2025 celebration in Tulungagung, Indonesia. The program employed a participatory community development approach involving academia, business actors, community organizations, government institutions, and media partners. Activities included entrepreneurship campaigns, MSME exhibitions, digital marketing socialization, branding assistance, and stakeholder networking during a public walking event attended by 2,000 participants. The results indicate that the program successfully increased MSME product exposure, improved participants’ understanding of collaborative entrepreneurship and digital marketing, strengthened stakeholder networking, and enhanced public engagement in local economic activities. The findings suggest that socio-cultural community events can function as sustainable entrepreneurial activation platforms when integrated with collaborative governance and ecosystem-based empowerment strategies.

The Effect of Labor Absorption, Work Motivation, and Worker Productivity on the Free Nutritious Meal Program in Blitar City According to the Perspective of Sharia Economics Lala Tri Wulandari; Andrean Permadi; Hardining Estu Murdinar
Proceeding of the International Conference on Economics, Accounting, and Taxation Vol. 3 No. 1 (2026): Proceeding of the International Conference on Economics, Accounting, and Taxati
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/iceat.v3i1.236

This study discusses the quality of the implementation of the Free Nutritious Meal Program (MBG) in Blitar City which is influenced by labor absorption, work motivation, and worker productivity in the perspective of sharia economics. This study aims to analyze the influence of labor absorption, work motivation, and worker productivity on the quality of the implementation of the MBG Program. The research method used is a quantitative approach with the type of associative research. The research population amounted to 550 workers and volunteers in 11 MBG kitchens in Blitar City with a sample of 121 respondents determined using purposive sampling techniques. Data collection techniques were carried out through questionnaires and documentation, while data analysis used validity, reliability, multiple linear regression tests, t-tests, F tests, and determination coefficients with the help of the EViews application. The results showed that labor absorption had a significant effect on the quality of program implementation with a significance value of 0.0074, work motivation had a significant effect with a significance value of 0.0134, and worker productivity had the most dominant influence with a significance value of 0.0000. Simultaneously, the three independent variables had a significant effect on the quality of the implementation of the MBG Program with an F-calculated value of 91.60139 and a significance of 0.000000. The Adjusted R-Squared value of 0.693725 indicates that 69.37% of program quality can be explained by all three independent variables. This study concludes that the application of trust values, justice, professionalism, and Islamic work ethic plays an important role in improving the quality of the implementation of the Free Nutritious Meal Program in Blitar City.

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