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All Journal Golden Ratio of Finance Management Talaa : Journal of Islamic Finance Elsia: Jurnal Psikologi Manusia
Sekarrini, Laras Ayu
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Economics, Econometrics & Finance Social Sciences

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PERSEPSI GURU AGAMA TERHADAP TINGKAT EKSISTENSI BANK SYARIAH DI KECAMATAN KOTA TENGAH PROVINSI GORONTALO Sekarrini, Laras Ayu
Elsia: Jurnal Psikologi Manusia Vol 3, No 2 (2024): Oktober 2024
Publisher : program studi psikologi

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Abstract

The aim of this research is to analyze the extent of perceptions regarding the existence of Sharia Banks in Kota Tengah District, Gorontalo City. The method used in this research is qualitative research. The researcher used an interview method with religious teachers in Kota Tengah District, Gorontalo City.then from the research results it was found that the perceptions of religious teachers regarding Sharia Banks were reviewed from 3 aspects, namely Sharia Bank products, Sharia Bank Services and Sharia Bank Socialization.Firstly, in terms of Sharia Bank products, all religious teachers in the Kota Tengah District of Gorontalo City know about Sharia Banks and their products only to the extent of their sharia, such as the halal-haram prohibitions on interest or usury. Second, in terms of Sharia Bank services, religious teachers are of the opinion that services at Sharia Banks are still unsatisfactory and quite difficult. Third, in terms of socialization, the potential for the entry of sharia banks in the form of educational institutions in Gorontalo, especially in Central City and also in its predominantly Muslim community, has not been fully explored by sharia banking in Gorontalo.
THE ROLE OF TOXIC LEADERSHIP AND ANXIETY ON LECTURER MOTIVATION PERFORMANCE Nainggolan, Christy Ruth Titiari; Puhi, Sitti Rojiyah Nur Insyirah; Sekarrini, Laras Ayu
Elsia: Jurnal Psikologi Manusia Vol 4, No 1 (2025): April 2025
Publisher : program studi psikologi

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Lecturers, as educators and teaching staff, play a crucial role in improving the quality of education, reflecting their performance. However, toxic leadership and anxiety can impact lecturer performance. This study aims to determine the impact of toxic leadership and anxiety on lecturer performance using a quantitative ex post facto study of lecturers and teaching staff in higher education. The study found that toxic leadership and anxiety consistently impacted their performance, leading to a decline in performance if lecturers and teaching staff experience these issues continuously.
Effectiveness and Accountability of Zakat Fund Management at LAZ Yakesma Based on the Analysis of Sharia Financial Ratios 2017-2022 Ummah, Syarifatul; Yusuf, Sri Dewi; Kadir, Rifadli D.; Sekarrini, Laras Ayu
Golden Ratio of Finance Management Vol. 5 No. 2 (2025): April - September
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v5i2.1438

Abstract

This study aims to analyze the effectiveness of Islamic social institutions through a case study on the Madani Welfare Foundation (Yakesma), utilizing six ratios as a measure. This study uses a descriptive quantitative approach to calculate each effectiveness ratio. Data was collected through Yakesma's financial statement documentation for six years, namely 2017-2022. The analysis was conducted by calculating the effectiveness ratio, which comprised the distribution ratio, ZIS fund growth, distribution growth, amil rights to collection, the use of amil funds to fulfill amil rights, and the allocation of funds to poor people for zakat distribution. The results of this ratio calculation are then integrated with the four pillars of Islamic Economics, namely transparency, accountability, efficiency, and Sharia compliance. Based on the analysis results, it was found that Yakesma successfully maintained a high and consistent distribution ratio (>77%), demonstrating its effectiveness in distributing ZIS to the mustahik. Additionally, the trend of growth and fund disbursement demonstrated a positive performance. Yakesma demonstrates a good level of accountability through independent audits and the publication of financial statements. These findings suggest that other Islamic social institutions can adopt the practices of financial report transparency, amil fund management discipline, and accountable governance, as applied by Yakesma, to increase public trust, muzakki participation, and optimize benefits for the mustahik.
Integration of Islamic Economic Literacy and Hulondalo Local Values in Realizing the Financial Independence of Gorontalo’s Young Generation Sahabi, Ansar; Husain, Sri Apriyanti; Yusuf, Sri Dewi; Sekarrini, Laras Ayu
Talaa : Journal of Islamic Finance Vol. 5 No. 1: June 2025
Publisher : Department of Sharia Financial Management, Institut Agama Islam Negeri Sultan Amai Gorontalo, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/talaa.v5i1.793

Abstract

his study aims to explore how the integration of Islamic economic literacy and Hulondalo local values shapes financial independence among youth in Gorontalo. Using a qualitative phenomenological approach, the study involved youth from diverse social and educational backgrounds as key informants. Data were collected through in-depth interviews, observations, and documentation, and were analyzed using data reduction, data display, and conclusion drawing techniques. The findings indicate that Islamic economic literacy has not been fully internalized among Gorontalo’s youth; however, Hulondalo values such as tuwoto (hard work), mo’opo (frugality), modutu (mutual cooperation), and tulodo (exemplary conduct) serve as strong foundations for positive financial behavior. The integration between Islamic financial principles and local cultural values strengthens responsibility, independence, and moral awareness in personal financial management. This study highlights that local wisdom can effectively reinforce Islamic economic literacy in promoting financial independence among Gorontalo youth.
Co-Authors Husain, Sri Apriyanti Kadir, Rifadli D. Nainggolan, Christy Ruth Titiari Puhi, Sitti Rojiyah Nur Insyirah Sahabi, Ansar Sri Dewi Yusuf Ummah, Syarifatul