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All Journal Syntax Literate: Jurnal Ilmiah Indonesia Indonesian Journal of Islamic Economics and Business Jurnal Pengabdian kepada Masyarakat Desa (JPMD)
Yulia Agustina, Asiroch
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Nursing Social Sciences Other

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Dampak Faktor Eksternal dan Internal Terhadap Risiko Pembiayanaan Musyarakah dan Mudharabah Bank Syariah di Indonesia Masfiatun, Masfiatun; Yulia Agustina, Asiroch; Khairunnisa
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36418/syntax-literate.v10i1.49928

Abstract

Penelitian ini bertujuan untuk mengidentifikasi faktor eksternal dan internal yang mempengaruhi risiko pembiayaan musyarakah dan mudharabah pada bank syariah. Faktor eksternal yang dianalisis adalah inflasi, sedangkan faktor internal meliputi Financing to Deposit Ratio (FDR), Beban Operasional Pendapatan Bank (BOPO), dan Nett Operating Margin (NOM). Data yang digunakan dalam penelitian ini berupa data time series dengan frekuensi bulanan dari tahun 2019 hingga 2023. Untuk menganalisis hubungan antar variabel, penelitian ini menggunakan model regresi linear berganda. Hasil penelitian menunjukkan bahwa inflasi dan BOPO memiliki pengaruh positif signifikan terhadap risiko pembiayaan musyarakah dan mudharabah, yang mengindikasikan bahwa peningkatan inflasi dan BOPO meningkatkan risiko pembiayaan pada bank syariah. Sebaliknya, FDR memiliki pengaruh negatif signifikan terhadap risiko pembiayaan, menunjukkan bahwa peningkatan FDR dapat menurunkan risiko pembiayaan. Sementara itu, variabel NOM tidak menunjukkan pengaruh signifikan dalam model ini. Penelitian ini memberikan wawasan penting bagi pengelola bank syariah dalam mengelola risiko pembiayaan. Dengan memahami pengaruh faktor eksternal dan internal terhadap risiko pembiayaan, bank syariah dapat merumuskan strategi yang lebih efektif untuk meningkatkan stabilitas dan kinerja pembiayaan musyarakah dan mudharabah. Temuan ini juga dapat menjadi referensi untuk kebijakan perbankan syariah di masa depan.
Prediksi Customer Churn Menggunakan Metode CRISP-DM Pada Industri Telekomunikasi Sebagai Implementasi Mempertahankan Pelanggan Yudiana, Yudi; Yulia Agustina, Asiroch; Khofifah, Nur
Indonesian Journal of Islamic Economics and Business Vol. 8 No. 1 (2023): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v8i1.1710

Abstract

Fulfilling the needs and desires of customers is a strategy in retaining customers. Among these strategies is a quality product and quality service will also fulfill customer expectations. The purpose of this research is to predict whether customers will become loyal customer or leave the company's services. The research method uses the CRISP-DM (Cross Industry Standard Process for Data Mining) technique and the hypermeter tuning method with the ridge classifier algorithm and the confusion matrix. CRISP-DM is a process model that serves as the base for a data science process with six sequential phases. The data used is 7,043 records. divided into 70:30 data train and data test. From the selection of features, most unsubscribed customers are customers who do not use several services such as VPN, Data Backup, Device Protection, Technician Assistance, TV Streaming, Movie Streaming monthly contracts and use the E-Wallets payment method. Then the results of the accuracy research using the confusion matrix show quite good results with an accuracy of 80.5%, Precision of 85.7% and Recall of 89.8%. As many as 73% or 5,174 continue to use the service and 1,869 or around 27% of customers stop using Telkom Indonesia services.
Penerapan Ilmu Tajwid Untuk Meningkatkan Pemahaman dan Kemampuan Membaca Al-Qur’an Anak-anak Di Tpa Ar-ruslan Desa Ciasihan Yulia Agustina, Asiroch; Fahriansah; Thasya Amalia Putri; Rahmat Akbar; Rofa Rohmawati
Jurnal Pengabdian kepada Masyarakat Desa (JPMD) Vol. 6 No. 1 (2025): JPMD
Publisher : LP3M IAIFA Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58401/jpmd.v6i1.1912

Abstract

Learning the science of recitation and reading skills is a series of things taught in the Al-Qur'an Education Park (TPA) Ar-Ruslan Rt.02, Rw.04 Kampung Ranging Ciasihan Village, Kec. Pamijahan which aims to improve the skills of reading the Koran properly and correctly in accordance with the knowledge of tajwid. So the aim of this activity is to improve children's ability to read the Koran correctly and in accordance with their tajwid knowledge. With a good understanding of recitation, it is hoped that children will not only be able to read the Koran fluently, but also love it and make it an important part of their daily lives. The activity method used in this research is PAR (Participatory Action Research) based. Activities carried out in the community service program in Rangin village, Ciasihan village related to the application of the science of tajwid ran smoothly and obtained better results than before. This makes this activity have a positive impact on children, such as children gaining a new understanding of the rules for reading the Koran, thereby helping them improve their ability to read the Quran in tartil.
Co-Authors Fahriansah Khairunnisa Khofifah, Nur Masfiatun Masfiatun Rahmat Akbar Rofa Rohmawati Thasya Amalia Putri Yudiana, Yudi