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All Journal ELINVO (Electronics, Informatics, and Vocational Education) AKSIOMA : Jurnal Sains Ekonomi dan Edukasi
Hartoyo, H.
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Development of Hazard and Risk Simulation Applications in Electrical Power Installation Workshops Based on Android in Vocational High Schools Susilowati, Brigitta Endah; Hartoyo, H.
Elinvo (Electronics, Informatics, and Vocational Education) Vol. 8 No. 1 (2023): Mei 2023
Publisher : Department of Electronic and Informatic Engineering Education, Faculty of Engineering, UNY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/elinvo.v8i1.57811

Abstract

This study aims to: (1) develop a hazard and risk simulation application, (2) find out the function test, (3) find out the feasibility of the hazard and risk simulation application, and (4) determine the effectiveness of using the hazard and risk simulation application. This research uses the Research and Development method with the ADDIE development model, according to Lee and Owens. It consists of 5 stages, including analysis, design, development, implementation, and evaluation. The research subjects were 70 students in the Electrical Power Installation Engineering Expertise Package at SMK Negeri 2 Yogyakarta. Data collection used a questionnaire that had been validated by media experts and material experts, each with two validators. Data analysis using descriptive methods. The results of the study concluded that: (1) the development of hazard and risk simulation applications can be used to support learning in the subject of Basic Electromechanical Work for Class X students, Competence of Electrical Power Installation Engineering Expertise, (2) function tests of hazard and risk simulation applications are included in the category of " Very Good", (3) the feasibility of the hazard and risk simulation application is included in the "Very Eligible" category according to media experts, material experts, and user response, (4) Wilcoxon test known Asymp value. Sig. (2-tail) of 0.00 shows that there is a difference in value after using hazard and risk simulation learning media. The effectiveness of media applications is known to have increased learning outcomes and is included in the "Moderate" category with a gain value of 0.43. This shows that the media application of hazard and risk simulation applications is effectively used as a learning medium to improve student learning outcomes.
Analisis Akad Pembiayaan Mudharabah pada Baitul Maal Wa Tamwil dalam Meningkatkan Pendapatan Masyarakat: Studi Kasus BMT UGT Sidogiri Cabang Tanggulangin Huzeini, Fahri; Hartoyo, H.; Faqih, Abdullah
AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Vol. 3 No. 2 (2026): AKSIOMA : Jurnal Sains, Ekonomi dan Edukasi
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/aksioma.v3i2.2368

Abstract

This study aims to analyze the implementation of Mudharabah financing contracts at Baitul Maal Wa Tamwil (BMT) UGT Sidogiri Tanggulangin Branch and examine its role in increasing community income. The research background is based on the phenomenon of capital access difficulties experienced by micro and small entrepreneurs due to strict requirements and high interest burdens in conventional financial institutions. The research approach used is descriptive qualitative with data collection techniques through in-depth interviews, field observations, and documentation studies. Primary data sources were obtained from BMT managers, financing staff, and customers receiving Mudharabah financing, while secondary data came from contract documents, financial reports, and BMT profiles. Data analysis techniques using the Miles and Huberman model include data reduction, data presentation, and conclusion drawing. The research results show that the implementation of Mudharabah contracts at BMT UGT Sidogiri is in accordance with sharia principles and DSN-MUI Fatwa Number 07/DSN-MUI/IV/2000, with mechanisms that include the application stage, feasibility analysis using the 5C principles (Character, Capacity, Capital, Collateral, Condition), contract establishment with profit-sharing ratios based on mutual agreement, as well as disbursement and periodic supervision. Mudharabah financing has proven to have a significant impact on increasing community income, as demonstrated by increased business capital, productivity, and capital cost efficiency due to the absence of fixed interest burdens. Customers experienced increased business turnover and profit margins that could be allocated to improve family welfare. In addition, the presence of BMT has succeeded in reducing community dependence on loan sharks and contributing to local economic empowerment. The implications of this research indicate that the Mudharabah contract is an effective sharia financing instrument in promoting real sector development and financial inclusivity for micro-business actors.
Co-Authors FAQIH, ABDULLAH Huzeini, Fahri Susilowati, Brigitta Endah