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All Journal Laa Maisyir Jurnal Ekonomi Islam JURNAL PETIK Jurnal Ekonomi Kreatif Indonesia EQUILIBRIUM : JURNAL BISNIS DAN AKUNTANSI (EJBA)
Harni
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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PENGARUH RESIKO PEMBIAYAAN MUDHARABAH DAN MUSYARAKAH TERHADAP PROFITABILITAS PADA BANK SYARIAH DI INDONESIA Harni; Sahrir
Jurnal Ekonomi Kreatif Indonesia Vol. 1 No. 2 (2023): April
Publisher : PT. Tangrasula Tekno Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61896/jeki.v1i2.9

Abstract

ABSTRAK Kehadiran Undang-Undang No. 7 Tahun 1992 tentang perbankan merupakan cikal bakal lahirnya sistem keuangan dengan menggunakan sistem bagi hasil yang operasionalnya berlandaskan prinsip syariah.  Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh Pembiayaan Mudharabah dan Pembiayaan Musyarakah terhadap Profitabilitas Bank Syariah di Indonesia. Jenis penelitian ini menggunakan penelitian kuantitatif. Metode yang digunakan dalam penelitian ini adalah Regresi Linier Berganda dengan data yang bersumber dari www.ojk.go.id. Hasil analisis data dengan pengujian statistik meliputi asumsi klasik yaitu uji normalitas, uji multikolinieritas, uji autokorelasi, uji heteroskedastisitas, uji hipotesis yaitu uji koefisien determinasi (R2 ), uji parsial (uji t) menunjukkan bahwa Pembiayaan Mudharabah dan Pembiayaan Musyarakah terhadap Profitabilitas pada Bank Syariah di Indonesia berpengaruh negatif. ABSTRACT The presence Undang-Undang No. 7 Tahun 1992 concerning banking is the forerunner of the birth of a financial system using a profit-sharing system whose operations are based on sharia principles. This study aims to determine how big the influence of Mudharabah Financing and Musyarakah Financing on Profitability of Islamic Banks in Indonesia. This type of research uses quantitative research. The method used in this study is Multiple Linear Regression with data sourced from www.ojk.go.id. The results of data analysis with statistical testing include classical assumptions, namely normality test, multicollinearity test, autocorrelation test, heteroscedasticity test, hypothesis testing, namely the determinant coefficient test (R2), partial test (t test) shows that Mudharabah Financing and Musyarakah Financing on Profitability in Islamic Banks in Indonesia has a negative effect.
Perancangan Media Pembelajaran Informatika Kelas VII Menggunakan Smart App Creator Di SMP Negeri 1 Ampek Angkek Harni; Okra, Riri; Derta, sarwo; Musril, Hari Antoni
Petik: Jurnal Pendidikan Teknologi Informasi Dan Komunikasi Vol. 10 No. 2 (2024): Volume 10 No 2 September 2024
Publisher : Pendidikan Teknologi Informasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31980/petik.v10i2.1673

Abstract

Abstrak Penelitian ini berawal dari masalah yang diidentifikasi melalui wawancara dan observasi yang penulis lakukan dengan guru matapelajaran informatika kelas VII SMP Negeri 1 Ampek Angkek yaitu materi pembelajaran yang diberikan oleh guru bersumber dari buku cetak yang digunakan masih sulit dipahami dalam pembahasan materi,  metode pengajaran yang dipilih oleh guru adalah ceramah yang didukung oleh media pembelajaran yang dibangun dengan Microsoft Power Point yang masih memiliki kelemahan. Berdasarkan masalah tersebut, peneliti berminat untuk merancang media pembelajaran Informatika menggunakan Smart Appp Creator. Metode yang digunakan adalah Research and Development (R&D), dengan model pengembangan hanafin and peck yang terdiri dari tiga langkah yaitu fase analisis kebutuhan, fase desain, serta fase pengembangan dan implementasi. Setiap fase dalam model pengembangan ini saling terhubung melalui tahap evaluasi dan revisi. Berdasarkan hasil penelitian, dapat disimpulkan bahwa media yang dirancang valid, praktis, dan efektif untuk digunakan oleh guru dan siswa dalam proses pembelajaran informatika. Hal ini ditunjukkan oleh hasil uji produk yang dilakukan peneliti: uji validitas produk oleh tiga dosen ahli menghasilkan  nilai rata-rata 0.89 dengann kategori valid, uji praktikalitas oleh dua guru mata pelajaran informatika memperoleh nilai 1 dengan kategori sangat tinggi, dan uji efektivitas oleh 22 siswa menunjukkan  nilai  efektivitas 0.8 dengan kategori sangat tinggi. Kata Kunci: Informatika, Smart Apps Creator, Research and Development (R&D)   Abstract This research began with a problem identified through interviews and observations conducted by the author with informatics subject teachers of class VII SMP Negeri 1 Ampek Angkek, namely the learning material given by the teacher sourced from printed books used was still difficult to understand in discussing the material, the teaching method chosen by the teacher was a lecture supported by learning media built with Microsoft Power Point which still had weaknesses. Based on these problems, the researcher was interested in designing Informatics learning media using Smart Appp Creator. The method used was Research and Development (R&D), with the Hanafin and Peck development model consisting of three steps, namely the needs analysis phase, the design phase, and the development and implementation phase. Each phase in this development model is interconnected through the evaluation and revision stages. Based on the results of the study, it can be concluded that the media designed is valid, practical, and effective for use by teachers and students in the informatics learning process. This is shown by the results of the product test conducted by the researcher: the product validity test by three expert lecturers produced an average value of 0.89 with a valid category, the practicality test by two informatics subject teachers obtained a value of 1 with a very high category, and the effectiveness test by 22 students showed an effectiveness value of 0.8 with a very high category. Keywords: Informatics, Smart Apps Creator, Research and Development (R&D)
Pengaruh Citra Merek, Harga, Kualitas Produk dan Promosi Terhadap Minat Beli Sepatu Ventela di Provinsi Yogyakarta Harni; Heriputranto, Lukas Agung
EQUILIBRIUM - Jurnal Bisnis dan Akuntansi Vol. 17 No. 2 (2023): EQUILIBRIUM - Jurnal Bisnis dan Akuntansi (EJBA)
Publisher : Universitas Kristen Immanuel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61179/ejba.v17i2.510

Abstract

Penelitian ini bertujuan mengetahui pengaruh citra merek, harga, kualitas produk dan promosi terhadap minat beli sepatu Ventela. Metode penelitian ini adalah penelitian kuantitatif dengan teknik pengumpulan data menggunakan kuesioner yang diolah SPSS 16. Alat analisis yang digunakan adalah analisis presentase, uji asumsi klasik, analisis regresi sederhana analisis regresi berganda, uji t dan uji F. Berdasarkan hasil analisis dari uji t dijelaskan bahwa citra merek, harga, kualitas produk dan promosi secara parsial berpengaruh positif dan signifikan terhadap minat beli sepatu Venetela, dimana masing masing variabel independent yaitu citra merek, harga, kualitas produk dan promosi memiliki nilai t sig < 0,05 yaitu 0,000. Berdasarkan hasil uji F dijelaskan bahwa citra merek, harga, kualitas produk dan promosi secara simultan berpengaruh positif dan signifikan terhadap minat beli, dimana nilai F sig sebesar 0,000 < 0,05.
The The Influence Of Customer Understanding On Interest In Waqf With Moderating Religiosity Harni; Mukhtar Lutfi; Nasrullah Bin Sapa
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i1.56604

Abstract

Social inequality and low community participation in cash waqf through Cash Waqf Linked Sukuk CWLS indicate that the great potential of waqf has not been optimized. Lack of financial literacy, access to services, and traditional perceptions of waqf are the main obstacles. This study is important to identify factors that influence community waqf intentions, especially in CWLS products. The purpose of this study is analyze and explain the influence of financial literacy, financial inclusion, socialization, and marketing programs on waqf intentions on CWLS with religiosity as a moderator. The population of this study were all customers of Bank Syariah Indonesia, with a sampling technique using purposive sampling. The number of samples that met the criteria was 150 customers. Hypothesis testing was carried out using SEM-PLS. The results of the study showed that financial literacy, socialization, and marketing programs had a significant positive effect on waqf intentions, while financial inclusion had no significant effect. Religiosity as a moderator strengthens the influence of socialization and marketing programs on waqf intentions, but weakens the influence of financial literacy and inclusion. These findings indicate the importance of CWLS education and marketing strategies integrated with religious and social approaches to increase community participation in waqf.
Co-Authors Hari Antoni Musril Lukas Agung Heriputranto Mukhtar Lutfi Nasrullah Bin Sapa Riri Okra Sahrir Sarwo Derta