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All Journal Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Tabarru': Islamic Banking and Finance MES Management Journal Najah: Journal of Research and Community
Billah, Zahida I’tisoma
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Religion Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences Other

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PENGARUH INSENTIF FINANSIAL DAN INSENTIF NON FINANSIAL TERHADAP KEPUASAN KERJA AXI ADIRA FINANCE SYARIAH JAWA TIMUR Namira, Agnes Alya; Ghafur, Abdul; Billah, Zahida I’tisoma
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 1 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(1).16666

Abstract

Riset ini mempunyai tujuan untuk menentukan bagaimana kepuasan kerja AXI Adira Finance Syariah Jawa Timur dipengaruhi oleh insentif finansial dan non finansial. Riset ini termasuk dalam kategori kuantitatif yang menggunakan analisis asosiatif data. Populasi dalam riset ini adalah AXI Adira Finance Syariah Jawa Timur yang masih aktif, dan jenis data primer digunakan. Setelah diolah dengan rumus Slovin, sekitar 90 responden diperlukan untuk sampel. Riset ini menggunakan metode simple random sample, yang berarti responden diambil dari populasi tanpa mempertimbangkan strata sosial mereka. Data diuji dengan uji deskriptif kualitas, asumsi klasik, analisis regresi linier berganda, dan hipotesis. Data diproses dengan menggunakan program SPSS 23.0. Hasil analisis data menunjukkan bahwa insentif finansial (X1) mempengaruhi kepuasan kerja, dengan nilai signifikansinya lebih kecil dari 0,05 (0,003 < 0,05). Insentif non-finansial (X2) mempengaruhi kepuasan kerja, dengan t-hitung lebih besar dari t-tabel (3,039 > 1,987). AXI Adira Finance Syariah Jawa Timur memiliki tingkat kepuasan kerja 0,177, atau 17,7% dari insentif finansial dan non-finansial.
Menggali Nilai-Nilai Moderasi Beragama Pada Tradisi Doa Makam di Desa Tarokan Kidul syakdiyah, Halimatus syakdiyah; Maghfiroh, Linda; Billah, Zahida I’tisoma
Najah: Journal of Research and Community Service Vol. 2 No. 2 (2024): Juni 2024
Publisher : Kalam Nusantara Institute

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Abstract

Abstract The tradition of tahlil together at the grave in Tarokan Kidul village is a tradition that has been passed down from generation to generation and is also a religious system as a sense of caring for the grave's master. This tradition is unique in the village of Tarokan Kidul, where in this activity there is the reading of tahlil, yasin together as well as tausiah, which is held every Thursday afternoon in the pavilion right in the middle of the grave. The aim of this community service activity is to find out the form of tradition, function and meaning of the tradition of joint grave prayer in Tarokan Kidul village. The approach used in this community service activity is the ABCD approach, where there is a stage in carrying out this approach, namely the inculturation stage where, in this stage the researcher mixes with the surrounding community, namely by carrying out congregational prayers at the mosque, teaching at school, posyandu activities, and carrying out other traditional community activities, the second stage is area tracing, namely the researcher explores rural areas of KKN locations such as rivers, rice fields, which produces images in the form of transects, the third stage is asset mapping, namely collecting data on assets owned by local village communities, here the researcher goes around to small businesses and researchers discovered cultural assets, namely the tradition of praying together at graves, the next stage was choosing a priority scale and appreciative discovery, namely cultural assets in the form of praying together with village residents at graves, the final stage was the define and reflection stage, namely there were forms, functions, and meaning in the shared tahlil tradition. This form of tradition is a series of processions, traditions and rituals. The procession includes cleaning, tahlil, yasin, recitation. This tradition has a function for society as a social function, religious function, educational function, preserving culture. The result of this community service activity is that there is an element of religious moderation in the tradition of joint grave prayer, namely respecting differences in beliefs, increasing understanding of tolerance, practicing religious values, creating dialogue of beliefs, and avoiding conflicts with community traditions.
Optimalisasi Peran Peer-To-Peer Lending Syariah dalam Meningkatkan Kesejahteraan UMKM di Kabupaten Probolinggo: Pendekatan Inklusif di Era Digital Rahmah, Maulidatur; Billah, Zahida I’tisoma; Arifin, Moh. Samsul
Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Vol 16, No 1 (2025): Mei
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/eksis.v16i1.520

Abstract

The development of Islamic financial technology has opened new opportunities to support the growth of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, particularly in Probolinggo Regency. One rapidly growing instrument is Sharia Peer-to-Peer (P2P) Lending, which offers interest-free financing access through digital platforms. This study aims to analyze the role, challenges, and optimization strategies of Sharia P2P Lending in improving MSME welfare through an inclusive approach in the digital era. The approach used is qualitative descriptive-explorative, with data collection techniques including in-depth interviews, observations, and documentation. Informants consist of MSME actors, Sharia P2P lending platform managers, the Office of Cooperatives and MSMEs, and Islamic financial institutions in Probolinggo Regency. The research findings show that Sharia P2P Lending plays a significant role in expanding financing access, especially in terms of contract flexibility, simplified procedures, and compliance with sharia principles. However, its implementation still faces challenges such as low financial and digital literacy, limited outreach, and inadequate technological infrastructure. Optimal implementation has proven to enhance the production capacity, marketing, and economic welfare of MSME actors. This study offers strategic contributions through proposals to strengthen digital literacy and regulatory support as a foundation for inclusive and sustainable growth of Sharia P2P Lending. Future research is recommended to explore risk mitigation models in Sharia P2P Lending and the role of local institutions and communities in expanding its impact on MSME economic empowerment.
Pengaruh Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Pengelolaan Keuangan Keluarga: Studi Kasus di Desa Tegalmojo Ilyas, M.; Muzakki, Ahmad; Billah, Zahida I’tisoma
MES Management Journal Vol. 3 No. 1 (2024): MES Management Journal 
Publisher : MES Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mesman.v3i1.175

Abstract

In managing household finances, apart from household financial management behavior, financial literacy and financial attitudes are also important for families. This research aims to find out how financial literacy and financial attitudes influence family financial management behavior. This research uses a descriptive quantitative approach sourced from two data, namely primary and secondary data. The research was conducted in Tegalmojo Village with data collection using 285 questionnaires. The sampling technique was purposive sampling which was used and 100 respondents obtained questionnaires that could be used. This research uses data analysis techniques, namely multiple linear regression analysis including instrument tests, classical assumption tests, T tests, F tests, and coefficient of determination with the IBM SPSS 22 program. The results of this research show that financial literacy has a significant positive effect on family financial management behavior. and financial attitudes also have a significant positive effect on family financial management behavior. The Coefficient of Determination produces financial literacy and financial attitudes that simultaneously influence family financial management behavior.
Analisis Net Profit Margin dalam Meningkatkan Pertumbuhan Laba pada Depo Air BWR Genggong Rahmanda, Muhammad Rizki; Muzakki, Ahmad; Billah, Zahida I’tisoma
MES Management Journal Vol. 3 No. 1 (2024): MES Management Journal 
Publisher : MES Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mesman.v3i1.179

Abstract

This study aims to analyze the relationship between Net Profit Margin (NPM) and profit growth at Depo Air Minum BWR Genggong, using a quantitative research method with a descriptive approach. Historical data on net profit, revenue, and years were obtained from the company's financial statements. The descriptive analysis results show NPM fluctuating between 49.71% and 65.06% during the period, while profit growth varied, including both positive growth and decline. Hypothesis testing indicates a significant relationship between NPM and profit growth, with a p-value smaller than the significance level. Additionally, the correlation between NPM and profit growth is 0.78, indicating a strong relationship. These findings confirm that increasing NPM could potentially boost profit growth, highlighting the importance of operational efficiency and financial management in influencing a company's financial performance. In conclusion, this study provides insights into the factors affecting financial performance and their implications for future business strategies. 
Co-Authors Abdul Ghafur Ahmad Muzakki Arifin, Moh. Samsul M. Ilyas, M. Maghfiroh, Linda Namira, Agnes Alya Rahmah, Maulidatur Rahmanda, Muhammad Rizki syakdiyah, Halimatus syakdiyah