Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Matriks
Husnaeni, Nurul
Unknown Affiliation
Arts Computer Science & IT Economics, Econometrics & Finance Education Neuroscience Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
IMPLEMENTATION OF 5C BASED FINANCING IN BMT ALFA DIRHAM MANDIRI Akrom, Maulana; Fatahillah, Mubarok; Husnaeni, Nurul; Adawiyah, Robiaatuul
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 1 No. 12 (2022): November
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v1i12.2265

Abstract

This research is to analyze the implementation of 5C-based financing (Character, Capacity, Capital, Collateral, Condition) at BMT Alfa Dirham Mandiri, aiming to obtain data regarding planning, implementation, and assessment of 5C principle-based financing at BMT Alfa Dirham Mandiri. The type of research used is qualitative. The data collection techniques used were interviews, observation, and documentation. The data source for this research is primary, namely collected through direct interviews. This research shows that BMT Alfa Dirham Mandiri, as a sharia microfinance institution, applies financing based on murabahah, mudharabah, kafalah bil ujrah, wadiah and musyarakah contracts. Financing is carried out according to strict SOPs, from application to disbursement of funds. The 5C principle (Character, Capacity, Capital, Collateral, Condition of Economy) is applied to assess the feasibility of financing, with collateral only for financing above 3 million. Implementation of the 5C principles reduces the risk of financing problems. The research results show that: 1). Financing planning includes applying for financing, assessing financing. 2). implementation of financing through various contracts such as murabahah, mudhorobah, musyarakah. Kafalah bil ujrah, and wadiah. 3) The 5C principles in BMT Alfa Dirham Mandiri are as a financing assessment tool, the 5C principles include character, capacity, capital, collateral, and economic conditions.
The Impact of Social Media on New Vocabulary Adoption Among Indonesian Teenagers Afiah, Nuvi Nurul; Barnamij, Najhah; Fatahillah, Mubarok; Siroj, Ni’amillah Aqiel; Husnaeni, Nurul
Matriks Jurnal Sosial dan Sains Vol. 7 No. 2 (2026): Matriks: Jurnal Sosial dan Sains
Publisher : Sekolah Tinggi Agama Islam Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59784/matriks.v7i2.29809

Abstract

The purpose of this study is to explore the factors influencing the adoption of new vocabulary in the Indonesian language through social media. This research employs a quantitative approach with a sample of 400 respondents, focusing on Indonesian teenagers who are active users of various social media platforms. The object of the study is the usage of newly emerging vocabulary in the Indonesian language. Data were collected using a structured questionnaire distributed online via Google Forms. The collected data were analyzed using multiple linear regression with the assistance of SPSS version 27 software. The results show that the frequency of social media use, the incorporation of new vocabulary into daily conversations, and the use of slang have a significant effect on the frequency of new vocabulary adoption. In addition, the findings indicate that younger generations tend to be more open and inclined to adopt new linguistic trends emerging from social media. The coefficient of determination (R²) value of 0.42 demonstrates that the independent variables explain 42% of the variation in the adoption of new vocabulary in the Indonesian language, while the remaining percentage is influenced by other factors not examined in this study.
Co-Authors Adawiyah, Robiaatuul Afiah, Nuvi Nurul Akrom, Maulana Barnamij, Najhah Mubarok Fatahillah Siroj, Ni’amillah Aqiel