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Rafidah
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Analisis Faktor-Faktor Yang Mempengaruhi Profitabilitas Bank Umum Syariah Di Indonesia Periode 2016-2020 Harumni Puspa Anuraga; Rafidah; Lidya Anggraeni
Jurnal Publikasi Ilmu Manajemen Vol. 2 No. 1 (2023): Maret: Jurnal Publikasi Ilmu Manajemen 
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupiman.v2i1.1353

Abstract

The purpose of this study is to examine and analyze the effect of Inflation, Non Performing Financing (NPF) on Operational Costs on Operating Income (BOPO) on the profitability of Islamic Commercial Bank in Indonesia. Profitability in this case is indicated by Return On Assets (ROA). The sample in this study was determined using the purposive sampling method, namely the technique of determining the sample with certain considerations. with a number of samples that meet the criteria of seven Islamic Commercial Banks in Indonesia with an observation period from 2016 to 2020. The analysis technique used in this study uses panel data regression with the aim of obtaining a comprehensive picture of the relationship between variables. Based on the results of this study, it shows that partially Inflation has a significant effect on Return On Assets (ROA), Non Performing Financing has no significant effect on Return On Assets (ROA) and Operational Costs on Operating Income (BOPO) has a significant effect on Return On Assets (ROA). Meanwhile, simultaneously Inflation, Non Performing Financing (NPF) and Operational Costs on Operating Income (BOPO) have a significant effect on Return On Assets (ROA).
PENGARUH EFEKTIVITAS PEMBUKAAN REKENING ONLINE DAN PROMOSI TERHADAP MINAT MENJADI NASABAH BANK SYARIAH INDONESIA (STUDI MAHASISWA FAKULTAS EKONOMI DAN BISNIS ISLAM UIN SULTHAN THAHA SAIFUDDIN JAMBI) Nurzilawati; Rafidah; Istiqomah, Khusnul
Jurnal Ilmiah Manajemen, Ekonomi dan Bisnis Vol. 3 No. 1 (2024): :Januari : Jurnal Ilmiah Manajemen, Ekonomi dan Bisnis
Publisher : Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jimeb.v3i1.693

Abstract

ABSTRACT The rapid development of technology is often used by companies, including Islamic banks, to increase their markets by using existing technology. To improve service to its customers, the bank launched a transaction service media based on information technology, namely mobile banking. Mobile banking services make it easier for customers to carry out banking transactions via mobile devices or Personal Data Assistants.At the end of 2019 Bank Syariah Indonesia launched an online account opening feature in the BSM application service. To introduce this online account opening feature in order to attract customers' interest, promotional activities are important in communicating and influencing customers. In addition, the effectiveness of opening an online account in the form of convenience is also important, because it is immediately felt and used by customers.Therefore the researcher raised the title of the influence of the effectiveness of opening online accounts and promotions on interest in becoming a customer of Bank Syariah Indonesia. This study used a quantitative method, the sample in this study were 97 students, with data collection techniques using the Purposive Sampling technique, in which the selection of samples used certain criteria according to the phenomena and needs studied.Data collection was carried out by distributing questionnaires to students who met the criteria for opening an online account. The results of this study indicate that the effectiveness variable for opening an online account (X1) has a significant and positive effect on interest in becoming a customer (Y), as evidenced by the results of the T test of 0.000 <0.05 with a tcount of 6.435 > 1.662. and the promotion variable (X2) also obtained significant positive results on the interest in becoming a customer of Bank Syariah Indonesia with a T test result value of 0.052 <0.05 with a tcount value of 1.970 > 1.662.
Do E-Wallets Altered Consumptive Behavior? Qualitative Study Of Gen Z In Jambi City Hamzah, Muhammad Maulana; Rafidah; Laode, Jafar Shadiq
Jurnal Ilmu Ekonomi dan Bisnis Islam Vol 5 No 1 (2023)
Publisher : Program Studi Ekonomi Syariah, FEBI UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jiebi.v5i1.143.82-93

Abstract

This research was conducted to find out and analyze the factors that influence the use of e-wallets and how the behavior of generation Z in the city of Jambi forms. This study uses a qualitative approach. The data sources used are primary and secondary data sources. While the data collection technique used in this study is using observation interviews and documentation. The results showed that the factors that influence the use of e-wallets in generation Z in the city of Jambi are divided into the main factors namely, Benefit, Convenience and supporting factors including, Cost Factor, Popular Factor, Efficiency Factor, Speed Factor, Factor Security, Convenience Factors, Promo and Discount Factors, and Pulse/Token Payment Service Business Factors. Thus there are two main factors and eight supporting factors. Transaction purposes that indicate that using e-wallets encourage people to be more consumptive are top-up Games and Online Shopping. Based on observation from 112 informants, out of 112 informants, 62% of them feel more consumptive when using e-wallets. Meanwhile, 38% felt that they were not consumptive and 4% were mediocre.
UPAYA PENCEGAHAN BULLYING MELALUI SOSIALISASI DAN PENGUATAN KARAKTER POSITIF DI SEKOLAH MI RAUDHATUL ULUM RIDUAN Zuhri Arif; Rafidah
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 7 No. 3 (2025): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v7i3.18211

Abstract

Bullying masih menjadi salah satu tantangan besar dalam dunia pendidikan, termasuk di sekolah dasar dan madrasah ibtidaiyah. Perilaku ini sering disalahartikan sebagai candaan, padahal menimbulkan dampak negatif yang serius terhadap perkembangan psikologis, sosial, dan akademik siswa. Program pengabdian masyarakat melalui Kuliah Kerja Nyata (KKN) di MI Raudhatul Ulum Riduan dilaksanakan dengan tujuan mencegah praktik bullying melalui kegiatan sosialisasi dan penguatan karakter positif. Metode kegiatan mencakup empat tahap, yaitu persiapan, wawancara dengan guru, sosialisasi kepada siswa, serta evaluasi. Pada tahap sosialisasi digunakan pendekatan interaktif berupa presentasi, diskusi kelompok, permainan edukatif, role play “tukar peran”, dan sesi tanya jawab berhadiah untuk meningkatkan pemahaman siswa. Hasil kegiatan menunjukkan bahwa siswa dapat mengenali berbagai bentuk bullying, memahami dampaknya, serta mengemukakan strategi pencegahan. Perubahan perilaku positif juga terlihat, seperti meningkatnya empati, keberanian menegur teman yang melakukan ejekan, serta interaksi sosial yang lebih harmonis. Guru menilai program ini efektif dalam memperkuat kesadaran dan membangun karakter prososial. Dengan demikian, kegiatan ini berkontribusi nyata dalam menciptakan lingkungan belajar yang aman, inklusif, dan bebas dari bullying, sekaligus mendukung upaya nasional dalam penguatan pendidikan karakter.
Edukasi Pemanfaatan Media “Merekah” Terhadap Upaya Optimalisasi Pendewasaan Usia Perkawinan (PUP) Di Desa Kelampaian Tengah Kecamatan Astambul Kabupaten Banjar Tahun 2024 rafidah
JURNAL RAKAT SEHAT (JRS) : Pengabdian Kepada Masyarakat Vol 5 No 1 (2026): Jurnal Rakat Sehat
Publisher : UPPM Poltekkes Kemenkes Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31964/jrs.v5i1.159

Abstract

Background: Early marriage has detrimental effects, including poverty, limited access to education, and domestic violence, which can result in physical and mental trauma and perpetuate intergenerational poverty. Addressing early marriage is crucial as it leads to poverty, isolation, and reduced opportunities for children. A strong commitment to reducing early marriage rates is essential to ensure children grow optimally, receive proper education, and achieve their dreams. To reduce early marriage rates, particularly in Astambul Subdistrict, South Kalimantan, the Midwifery Department of Poltekkes Kemenkes Banjarmasin, a health educational institution, supports government programs through community service activities. Objective: In 2024, enhance adolescents' knowledge and understanding of healthy reproduction through the Maturation of Marriage Age program and establish a youth forum focused on the importance of marriage age maturity in Kelampaian Tengah Village, Astambul Subdistrict, Banjar Regency. Methods: This community service activity was implemented through a health promotion program involving health education about the Maturation of Marriage Age. The steps included preparation, implementation, monitoring, and evaluation. The participants comprised 33 adolescents, 4 health cadres, and 1 midwife from the village. Results: Activity evaluation revealed a significant improvement in adolescents' knowledge regarding the importance of marriage-age maturity. Before the intervention, 17 participants (51.5%) had limited knowledge, with none possessing good knowledge. After the intervention, 20 participants (60.6%) demonstrated good knowledge, and a youth forum for marriage-age maturity awareness was established. Conclusion: This increase in knowledge is expected to contribute to marriage-age maturity, with the youth forum serving as a platform for discussion and awareness among adolescents.
PENGARUH PRODUK, HARGA, TEMPAT, DAN SIKAP KONSUMEN TERHADAP KEPUTUSAN PEMBELIAN PRODUK TERASI UDANG QONJAMADU DI SIDOARJO Rafidah
Integrative Perspectives of Social and Science Journal Vol. 3 No. 04 April (2026): Integrative Perspectives of Social and Science Journal
Publisher : PT Wahana Global Education

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

Abstract

Kabupaten Sidoarjo merupakan daerah penghasil udang yang mendukung pengembangan produk olahan bernilai tambah, seperti terasi udang. Produk Terasi Udang Qonjamadu merupakan salah satu pilihan konsumen yang mampu bersaing di tengah persaingan pasar yang semakin meningkat. Penelitian ini bertujuan untuk menganalisis pengaruh variabel produk, harga, tempat, dan sikap konsumen terhadap variabel keputusan pembelian produk Terasi Udang Qonjamadu. Alasan penelitian ini adalah untuk memberikan gambaran kepada pelaku usaha mengenai faktor-faktor yang berpengaruh terhadap pembelian sehingga dapat digunakan untuk meningkatkan daya saing. Pendekatan yang digunakan adalah kuantitatif dengan pengumpulan data melalui penyebaran kuesioner kepada 50 konsumen yang telah melakukan pembelian. Pengambilan sampel dilakukan dengan teknik incidental sampling, yaitu pemilihan responden secara kebetulan berdasarkan siapa saja yang ditemui peneliti dan sesuai dengan kriteria penelitian. Data yang diperoleh dianalisis menggunakan regresi linier berganda, serta dilengkapi dengan uji validitas, reliabilitas, uji asumsi klasik, uji F, dan uji t. Hasil penelitian menunjukkan bahwa secara simultan, keempat variabel independen berpengaruh signifikan terhadap keputusan pembelian. Secara parsial, variabel produk, harga, dan tempat memiliki pengaruh signifikan, sedangkan sikap konsumen tidak berpengaruh signifikan karena sikap positif belum cukup mendorong pembelian yang lebih dipengaruhi kualitas produk, harga, dan lokasi. Produk menjadi faktor paling dominan yang mempengaruhi keputusan pembelian karena cita rasa khas, aroma kuat, kemasan menarik, dan daya simpan yang baik.
Pengaruh Aspek Rentabilitas Dan Likuiditas Terhadap Kesehatan Bank Umum Syariah Tahun 2017-2021 Laili Istiqoma; Rafidah; Nurfitri Martaliah
Jurnal Publikasi Manajemen Informatika Vol. 2 No. 3 (2023): SEPTEMBER: JURNAL PUBLIKASI MANAJEMEN INFORMATIKA
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupumi.v2i3.2133

Abstract

The purpose of this research was to determine the effect of Earning and Likuidity on the Health level of Sharia Commercia Bank for the 2017-2021. That is determine the effect of Return On Asset (ROA), Operational Cost of Operating Income (BOPO) and Financing to Deposit Ratio (FDR) on Capital Adequacy Ratio (CAR) at Sharia Commercial Bank for the 2017-2021. The research uses a quantitative approach. Sampling was based on purposive sampling, and tested with Classical Assumption Test, F test, T test, Panel Data Regression analysis. The result of the study explain that simultaneously the ROA, BOPO and FDR variables have a significant positive effect on the CAR variable. While partially the ROA variable effects significantly (negative) on the CAR, the BOPO variable effect significantly (negative) on the CAR and the FDR variable effect negative not significant on the CAR.
PENGARUH PERSEPSI MANFAAT, KEMUDAHAN PENGGUNAAN TERHADAP KEPUTUSAN MENGGUNAKAN QRIS BYOND BY BSI (STUDI KASUS MAHASISWA KOTA JAMBI) Noni Aprida; Rafidah; Fitri Ana Siregar
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 2, Juni 2026
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.59714

Abstract

Studi ini berfokus pada QRIS Byond dari BSI, serta meneliti seberapa bermanfaat serta mudah penggunaannya. Metodologi studi ini bersifat kuantitatif, serta mengandalkan kuesioner untuk mengumpulkan data primer dari mahasiswa di Kota Jambi. Sampel studi meliputi 96 partisipan yang dipilih mempergunakan algoritma Lemeshow karena aran populasi tidak diketahui. Analisis data mencakup prosedur seperti uji regresi linier berganda, validitas dan reliabilitas, serta asumsi klasik. Hasil pengujian parsial (t) memperlihatkan mahasiswa BSI di Kota Jambi lebih cenderung mempergunakan QRIS Byond jika mereka menganggapnya bermanfaat, tetapi mereka tidak menganggap kemudahan penggunaannya sebagai pertimbangan yang signifikan. Dampak signifikan dari persepsi kegunaan serta kemudahan penggunaan atas putusan mengadopsi QRIS Byond oleh mahasiswa BSI di Kota Jambi ditunjukkan oleh nilai F hitung 110,435 dengan nilai p <0,001, melampaui temuan dari tabel uji simultan (F) (3,100). Berdasarkan temuan ini, mahasiswa di Kota Jambi memprioritaskan kegunaan QRIS Byond by BSI yang dirasakan ketika memutuskan untuk menggunakannya. Meskipun bukan faktor utama, kemudahan penggunaan tetap berpengaruh jika dinilai berdasarkan kegunaan yang dirasakan. Visi dasar studi guna memberikan rekomendasi tentang bagaimana BSI bisa jadikan QRIS Byond by BSI sebagai program yang lebih menarik serta ramah pengguna, dengan harapan hal ini akan mendorong lebih banyak orang menggunakannya. Studi selanjutnya harapanya mencakup lebih banyak parameter serta visi studi yang lebih luas.
Co-Authors Abda Abda Agustina Mutia Alawiyah, Rabiyatul Andriana, Nirhamni Anita, Efni Dedek Kusnadi Efi Kristiana Elyanti Rosmanidar Erni Yuliastuti Fusfita, Nurlia Hapisah Hapisah, Hapisah Harumni Puspa Anuraga Herpina Apriyanti Islami, Faridatul Khusnul Istiqomah Kurnia, Arya Aji Laili Istiqoma Laode, Jafar Shadiq Lidya Anggraeni Lubis, Puteri Anggi M. Nazori Mariah Megawati mellisa Muhammad Husen, Muhammad Muhammad Maulana Hamzah Nofriza, Eri Noni Aprida Noor Adha Aprilea Noor Zannah Nurfitri Martaliah Nurzilawati Permata, Tika Agu Putri Apria Ningsih Rahma, Sri Rahman, Sakinah Rusmilawaty Siregar, Fitri Ana Ulfa Latifah Usdeldi, Usdeldi Vonny Khresna Agung Suhadi Mohammad Hakimi Dewi Yuniar, Vita Zuhri Arif