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All Journal Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JURNAL PENDIDIKAN TAMBUSAI Didaktik : Jurnal Ilmiah PGSD STKIP Subang Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah
Yurmaini
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Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Pengaruh Literasi Keuangan, Pemahaman Shariah Governance Terhadap Keputusan Penggunaan Jasa Perbankan Syariah Yurmaini; Muhammad Riduan Harahap; Erliyanti; Tetti Maisyaroh
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 7 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (259.052 KB) | DOI: 10.32670/fairvalue.v4i7.1325

Abstract

The aim of this study was to analyze the existence of Islamic financial literacy and Shariah Governance on student decisions in using Islamic banking services. The object of this research is students of the Sharia Economics Study Program, Islamic Faculty of Al-Washliyah University, Medan.The method used is multiple linear regression analysis with data processing using SPSS version 25. Independent variables in this study are the Level of Islamic Financial Literacy and Understanding of Sharia Governance, while the dependent variable in the study is Student Decisions in Using Islamic Banking Services. The results showed that the independent variables (level of Islamic financial literacy and understanding of sharia governance) simultaneously had a significant effect on student decisions, which was 0.000 less than 0.05. And in the R Square regressi on test, the variables X1 and X2 can simultaneously influence the Y variable by only 66.8%, the remaining 33.2% is influenced by other factors outside the study. Then, partially Islamic financial literacy and sharia governance also have a significant effect on student decisions in using Islamic banking services.
PERAN PERBANKAN SYARIAH DALAM MENINGKATKAN STABILITAS EKONOMI NASIONAL Rangga Salam; Yurmaini; Dewi Sundari; Erliyanti
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 2 (2025): Januari
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.54696

Abstract

ABSTRACT The purpose of this study is to explain how the development of Islamic banking in Indonesia. This study uses a qualitative research method based on library research. The results of this study are that the initiative to establish Islamic banks in Indonesia began in 1990 by the Indonesian Ulema Council, which was realized with the establishment of Bank Muamalat Indonesia on November 1, 1991. The initial development of Islamic banking in the national banking system was responded to quickly by the government with the enactment of Law Number 7 of 1992 concerning Banking, which was later amended by Law Number 10 of 1998. Although Islamic banking has great potential to contribute to economic stability through real sector financing and financial inclusion, there are still significant obstacles such as lack of public understanding, competition with conventional financial institutions, and limited infrastructure. Existing opportunities, such as large market growth and regulatory support from the government, can be utilized to overcome these challenges. Keywords: Islamic Banking; Development, Economic Stability. Regarding The Distribution Of The Shirkah Contract. ABSTRAK Tujuan dari penelitian ini adalah untuk menjelaskan bagaimana pengembangan perbankan syariah di Indonesia. Penelitian ini menggunakan metode penelitian kualitatif berdasarkan penelitian kepustakaan. Hasil dari penelitian ini adalah bahwa prakarsa mengenai pendirian bank syariah di Indonesia mulai dilakukan sejak tahun 1990 oleh Majelis Ulama Indonesia, yang diwujudkan dengan berdirinya Bank Muamalat Indonesia pada tanggal 1 November 1991. Perkembangan awal perbankan syariah dalam sistem perbankan nasional direspon dengan cepat oleh pemerintah dengan disahkannya Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan, yang kemudian diubah dengan Undang-Undang Nomor 10 Tahun 1998. Meskipun perbankan syariah memiliki potensi besar untuk berkontribusi pada stabilitas ekonomi melalui pembiayaan sektor riil dan inklusi keuangan, masih terdapat tantangan signifikan seperti kurangnya pemahaman masyarakat, persaingan dengan lembaga keuangan konvensional, dan keterbatasan infrastruktur. Peluang yang ada, seperti pertumbuhan pasar yang besar dan dukungan regulasi dari pemerintah, dapat dimanfaatkan untuk mengatasi tantangan tersebut. Kata Kunci: Perbankan Syariah; Perkembangan, Stabilitas Ekonomi.
Efektivitas Program Literasi Al Qur’an dalam Meningkatkan Spiritual Siswa Kelas VIII di MTs. Lab IKIP Al Washliyah Salim, Nurintan; Saprijal, Saprijal; Yurmaini
Jurnal Pendidikan Tambusai Vol. 8 No. 3 (2024)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Penelitian ini bertujuan untuk mengeksplorasi efektivitas program literasi Al-Qur’an dalam meningkatkan spiritual siswa kelas delapan di MTS Lab. IKIP Al Washliyah. Program literasi Al-Qur’an yang dimaksud fokus pada menghafal surah-surah dalam juz 30 Al-Qur’an. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan studi kasus tunggal. Data dikumpulkan melalui observasi partisipatif, wawancara mendalam dengan guru dan siswa, serta analisis dokumen terkait kurikulum dan hasil belajar siswa. Hasil penelitian menunjukkan bahwa program literasi Al-Qur’an berkontribusi positif terhadap peningkatan pemahaman spiritual siswa, yang tercermin dalam perubahan sikap, pemahaman nilai-nilai agama, dan kecenderungan untuk lebih mendalami ajaran Al-Qur’an. Implikasi penelitian ini memberikan rekomendasi bagi lembaga pendidikan Islam untuk mempertimbangkan integrasi program serupa dalam kurikulum sebagai upaya meningkatkan spiritual siswa.
EFEKTIVITAS PENGGUNAAN APLIKASI BUSUU UNTUK MENINGKATKAN MAHARAH AL-QIRA’AH DALAM PELAJARAN BAHASA ARAB PADA SISWA DI MAS INSAN KESUMA MADANI Sutan Bilal Hafidz Al Maulana; Yurmaini; Laila Auni
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 12 No. 02 (2026): Volume 12 No. 02, Juni 2026 Produce
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v12i02.13391

Abstract

This study aims to describe the process and effectiveness of using the Busuu application in improving maharah al-qira’ah (reading skills) among tenth-grade students at MAS Insan Kesuma Madani. This research employed a qualitative phenomenological approach, with data collected through participant observation, semi-structured interviews, and documentation. Data were analyzed using the Miles & Huberman model, which includes data condensation, data display, and conclusion drawing, while the validity of the data was ensured through source and technique triangulation as well as member checking. The findings show that the use of Busuu in Arabic language learning was carried out in three stages: planning, implementation, and evaluation. During the implementation, Busuu features such as thematic vocabulary, graded reading texts, and automated feedback supported students in improving their reading skills. Indicators of effectiveness identified include improved reading fluency, the ability to understand main ideas and detailed information, the emergence of reading strategies, and increased motivation and learning engagement. Supporting factors of effectiveness include teacher readiness and lesson plan integration, while the main challenges were related to device limitations and unstable internet connectivity. Thus, this study affirms that the use of Busuu can serve as an effective and contextual digital medium to enhance students’ maharah al-qira’ah at MAS Insan Kesuma Madani, while also providing important recommendations for Arabic language teachers in optimizing technology-based learning.
Co-Authors Dewi Sundari Erliyanti Laila Auni Muhammad Riduan Harahap Rangga Salam Salim, Nurintan Saprijal, Saprijal Sutan Bilal Hafidz Al Maulana Tetti Maisyaroh