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Jalan Lingkok Pandan No 208 Kwang Datuk, Desa Selebung Ketangga, Kec. Keruak, kab. Lombok Timur, Prov. Nusa Tenggara Barat, Indonesia
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ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Published by Lembaga Yasin Alsys
ISSN : 28094484     EISSN : 28094093     DOI : -
Core Subject : Religion, Education, Social,
Religion Education Social Sciences
The journal aims to provide a forum for scholarly understanding of the field of education and plays an important role in promoting the process that accumulated knowledge, values, and skills. Scientific manuscript dealing with education, and science topics are particularly welcome to be submitted. The journal encompasses research articles, original research report, and scientific reviews in education.
Arjuna Subject : Ilmu Sosial - Pendidikan
Articles 443 Documents
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Analisis Sistem Tanggung Renteng sebagai Strategi dalam Meminimalisir Risiko Kredit Bermasalah di BUMDesma Bangkit Mandiri Kecamatan Kumpeh Ulu Salkiyano, Jihan; Hafiz, Ahsan Putra
ARZUSIN Vol 5 No 5 (2025): OKTOBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v5i5.7719

Abstract

The revolving fund management program through the Badan Usaha Milik Desa Bersama (BUMDESMA) Bangkit Mandiri of Kumpeh Ulu Subdistrict represents a transformation of the PNM Mekaar program, initiated in January 2023, with the aim of strengthening access to capital for underprivileged women engaged in ultra-micro enterprises. One of the key approaches implemented is the joint liability system within the Simpan Pinjam Perempuan (SPP, or Women’s Savings and Loans) groups, yet its effectiveness in addressing non-performing loans remains underexplored. This study aims to analyze the implementation of the joint liability system as a strategy to enhance member solidarity and minimize credit risk. A qualitative descriptive method was used, with data collected through field observation, in-depth interviews with group leaders and members, documentation, and literature review. The findings indicate that the joint liability system is effective in increasing participation, discipline, and member accountability, while also reducing non-performing loans and accelerating group capital turnover. Values of kinship, gotong royong (mutual cooperation), and transparency are embedded in group practices, reinforcing social and economic stability. Nevertheless, challenges persist, particularly low financial literacy and partial non-compliance with repayment obligations. This study underscores that the sustainability of the joint liability system requires intensive mentoring, strengthened group leadership capacity, and adaptive, sustainable institutional management.
Pengaruh Kualitas Pelayanan terhadap Kepuasan Masyarakat Nagari Pitalah Kecamatan Batipuh Yazit, Yusra; Lanin, Dasman
ARZUSIN Vol 5 No 5 (2025): OKTOBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v5i5.7739

Abstract

Public service is a crucial factor in the government’s efforts to meet the needs and expectations of society. However, challenges such as slow service, convoluted procedures, and limited facilities are still commonly encountered in practice, including in Nagari Pitalah, Batipuh Subdistrict, Tanah Datar Regency, which has led to low levels of community satisfaction. This study aims to analyze the influence of service quality on community satisfaction in the area. A quantitative method with an associative approach was employed. The study population consisted of 698 household heads, with a sample of 254 respondents determined using Slovin’s formula at a 5% margin of error. Sampling was conducted through proportional stratified random sampling, and data were collected via questionnaires and analyzed using simple linear regression with SPSS version 27. The results show that service quality has a positive and significant effect on community satisfaction, with a t-value of 8.377 and a significance level of 0.000 (p < 0.05). The coefficient of determination (R²) of 0.218 indicates that service quality contributes 21.8% to community satisfaction. The regression equation obtained is Y = 15.368 + 0.350X. These findings confirm that the better the service quality provided by nagari officials, the higher the level of community satisfaction. The practical implications of this study emphasize the importance of improving staff competence, enhancing infrastructure, and implementing responsive and accountable public service standards to deliver high-quality and satisfactory services.
Bank Digital Syariah: Inovasi Teknologi Finansial Berbasis Prinsip Islam di Era Ekonomi Digital Ammanda, Afifah
ARZUSIN Vol 5 No 5 (2025): OKTOBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v5i5.7791

Abstract

Digital transformation in the banking sector has garnered significant attention; however, studies specifically examining the integration of sharia principles in the development of digital Islamic banks remain limited. This study aims to analyze the digitalization processes undertaken by Islamic banking institutions in Indonesia and assess the extent to which financial technology innovations can be implemented without compromising Islamic legal principles. A descriptive qualitative approach was employed using a document analysis design, based on secondary data from the Financial Services Authority (OJK), the National Committee for Islamic Economy and Finance (KNEKS), academic publications, and the annual reports of Islamic banks from 2020 to 2025. Content and thematic analysis methods were used to identify patterns, strategies, and the implications of digitalization within the context of Islamic economics. The findings reveal that digitalization significantly contributes to asset growth and operational efficiency in Islamic banks, while also fostering institutional consolidation that strengthens industry structure. The success of digital Islamic banks depends not only on technological adoption but also on their ability to align innovation with sharia principles, such as justice, transparency, and the prohibition of riba. The integration of Islamic values and technology results in a business model that is both adaptive and ethical. These findings expand the application of the Diffusion of Innovations theory within Islamic economic contexts and affirm that technology can serve as a tool to reinforce sharia values in the digital era. Practical implications highlight the need for regulatory support and the enhancement of digital capacity within Islamic financial institutions to ensure sustainable innovation. This study also opens avenues for further research on customer experiences and the effectiveness of digital oversight by the Sharia Supervisory Board in ensuring compliance with Islamic principles amid technological transformation.
Analisis Pemahaman Pengguna Fitur Cardless Withdrawal pada BSI Mobile Banking dalam Transaksi Tarik Tunai (Studi Kasus Mahasiswa Perbankan Syariah Angkatan 2021 UIN Bukittinggi) Khairimatulhusna, Khairimatulhusna; Ilahi, Ilham
ARZUSIN Vol 5 No 6 (2025): DESEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v5i6.7807

Abstract

This study is motivated by the low level of understanding among some students of the Sharia Banking program at UIN Bukittinggi regarding the cardless withdrawal feature on BSI Mobile Banking for cash withdrawal transactions. The primary objective is to identify the factors influencing students' understanding of this feature. A qualitative method was employed, with primary data collected through interviews and documentation. Data analysis followed the stages of data reduction, data display, and conclusion drawing. The findings reveal that 90% of informants understand the concept and functionality of the cardless withdrawal feature, indicating the effectiveness of BSI’s outreach efforts. Approximately 65% of informants have used the feature, while the rest have not, citing reasons such as habitual reliance on traditional methods, lack of necessity, or limited technical information. Based on the Diffusion of Innovations framework, the feature is perceived to have a relative advantage due to its convenience, time efficiency, and enhanced security compared to conventional withdrawal methods. It is also considered compatible with students’ digital transaction habits and aligns with the modernization of sharia banking services. The feature is rated as low in complexity, with initial technical barriers easily overcome. Its high trialability—allowing use without financial risk—and observability, through visible use at ATMs and app notifications, further influence adoption. The study concludes that factors such as perceived advantage, alignment with values and habits, and ease of use significantly contribute to enhancing students’ understanding and adoption of the cardless withdrawal feature in the context of sharia banking.
Analisis Implementasi Prinsip-Prinsip Etika Bisnis Syariah pada Pedagang Pasar Alahan Panjang Gusti, Nurhamida; Joni, Yefri
ARZUSIN Vol 5 No 6 (2025): DESEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v5i6.7878

Abstract

Sharia business ethics represent a fundamental component of muamalah practices in Islam, emphasizing principles of honesty, justice, responsibility, and consumer care in commercial transactions. Although widely acknowledged within Islamic economic discourse, empirical studies specifically examining the implementation of these principles in local traditional markets—such as the Alahan Panjang Market—remain limited. This study aims to analyze the application of sharia business ethics in the trading practices of merchants at Alahan Panjang Market and to identify factors influencing adherence to these values. A qualitative field study approach was employed, involving merchants and consumers selected through purposive sampling. Data were collected via in-depth interviews, direct observation, and documentation, and analyzed through the stages of data reduction, data display, and interpretative conclusion drawing. The findings reveal that most merchants have implemented key ethical principles in their trading practices, particularly in transactional honesty, price fairness, accountability for merchandise, and consumer-oriented attitudes. However, inconsistencies persist, notably in aspects of price and quality transparency, influenced by economic competition, limited understanding of muamalah concepts, and insufficient oversight from market authorities and religious institutions. The study concludes that strengthening education on sharia business ethics, enhancing institutional supervision, and fostering collaboration between local governments and religious bodies are essential for guiding traditional market traders. This research contributes to the enrichment of Islamic business ethics literature in local contexts and offers practical implications for value-based trade policy development.
Penerapan Strategi Giving Question and Getting Answers untuk Meningkatkan Hasil Belajar Siswa Sekolah Dasar Negeri Istiqomah, Dina; Yulianti, Sonita
ARZUSIN Vol 5 No 6 (2025): DESEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v5i6.7916

Abstract

The low academic performance of fifth-grade students in Social Studies at SDN 016 Balung—where only 44% met the Minimum Mastery Criteria (KKM)—along with limited interest, participation, and confidence during lessons, served as the background for this study. The research aims to improve learning outcomes through the implementation of the active learning strategy Giving Question and Getting Answers (GQGA), which positions students as active agents in the learning process. A Classroom Action Research (CAR) design was employed over two cycles within one month, using observation, tests, and documentation for data collection. Data were analyzed using descriptive quantitative methods to evaluate improvements in teacher activity, student activity, and learning outcomes. The findings indicate substantial improvement: teacher activity increased from 66.07% (fairly good) in the first cycle to 89.28% (good) in the second cycle; student activity rose from 69.42% to 89.14%; and student mastery improved from 44% (pre-intervention) to 60% in the first cycle and 88% in the second cycle. These results demonstrate that the GQGA strategy effectively enhances student engagement and academic achievement in Social Studies. It is therefore recommended as an alternative active learning approach that fosters optimal and sustained student involvement in primary education.
Pengaruh Motivasi dan Pengetahuan Kewirausahaan terhadap Minat Berwirausaha pada Mahasiswa STIT Payakumbuh Yulianti, Sonita; Istiqomah, Dina
ARZUSIN Vol 5 No 6 (2025): DESEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v5i6.7917

Abstract

The high unemployment rate in Indonesia necessitates that university students not rely solely on formal employment opportunities but also develop the ability to create opportunities through entrepreneurial activities. However, observations at STIT Payakumbuh reveal that many students exhibit low entrepreneurial interest, influenced by perceptions that entrepreneurship requires substantial capital, involves high risk, and demands strong self-confidence—qualities they believe they lack. This study aims to analyze the influence of motivation and entrepreneurial knowledge on students’ entrepreneurial interest at STIT Payakumbuh. A quantitative field research approach was adopted, involving a questionnaire distributed to 30 respondents selected using probability sampling. Data analysis included validity and reliability tests, classical assumption testing, t-tests, F-tests, and the coefficient of determination, processed using SPSS 24. The results indicate that motivation has a significant effect on students’ entrepreneurial interest, and entrepreneurial knowledge also contributes positively in a partial capacity. Simultaneously, both variables significantly influence entrepreneurial interest, with a combined contribution of 60.8%. These findings underscore the importance of strengthening internal motivation and enhancing entrepreneurial literacy to foster student readiness and a proactive mindset toward independent business ventures.
Pengaruh Beban Kerja dan Motivasi Kerja terhadap Kepuasan Kerja pada Pegawai Fakultas Ilmu Sosial Universitas Negeri Padang Andriani, Vivi; Afriyeni, Afriyeni
ARZUSIN Vol 5 No 6 (2025): DESEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v5i6.7965

Abstract

Research on job satisfaction has been widely conducted, yet studies that specifically analyze the relationship between workload and work motivation in the context of public university employees remain relatively limited, particularly at the Faculty of Social Sciences, Universitas Negeri Padang. This study aims to analyze the effects of workload and work motivation on the job satisfaction of employees at the Faculty of Social Sciences, Universitas Negeri Padang. A quantitative survey design was employed, involving 36 employees selected using a total sampling technique. Data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression with SPSS. The results show that workload has a negative and significant effect on job satisfaction, whereas work motivation has a positive and significant effect on employees’ job satisfaction. These findings contribute to strengthening organizational behavior theory and broaden understanding of the determinants of job satisfaction in the context of higher education institutions. The study concludes that managing workload proportionally and optimizing motivational factors are key aspects in enhancing employees’ job satisfaction, thereby requiring institutions to implement supportive policies based on reward systems, work facilities, and competency development. Theoretically, this study enriches the human resource management literature, while practically it provides a reference for policymakers in higher education institutions and opens avenues for further research exploring mediating or moderating variables in the relationships among the examined constructs.
Pengaruh Growth Opportunity dan Capital Expenditure terhadap Nilai Perusahaan Transportasi yang Terdaftar di Bursa Efek Indonesia Sintia, Vika; Dewi, Aminar Sutra
ARZUSIN Vol 5 No 6 (2025): DESEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v5i6.7992

Abstract

The current transportation challenges in Indonesia are characterized by digitalization and technological innovation that affect firm value in this sector. Transportation companies that adopt digital technologies tend to have higher market value because they are better able to enhance profitability and competitiveness. In addition, global pressure to reduce carbon emissions encourages companies to shift toward electric vehicles, environmentally friendly fuels, and low-emission technologies. This study aims to analyze the effect of Growth Opportunity and Capital Expenditure on the firm value of transportation companies listed on the Indonesia Stock Exchange (IDX). The research population comprises all transportation sector companies listed on the IDX during the 2019–2023 period, with purposive sampling yielding 65 companies as the research sample. Data were analyzed using panel data regression with the support of the EViews application. The results indicate that Growth Opportunity has no significant effect on the firm value of transportation companies, whereas Capital Expenditure has a significantly negative effect on firm value. These findings suggest that growth opportunities are not yet fully reflected in market valuation, while suboptimally managed capital expenditure policies tend to be responded to negatively by the market, indicating that management needs to design more selective investment strategies that are aligned with the demands of digitalization and environmental sustainability.
Pendidikan Antikorupsi dalam Perspektif Pendidikan Agama Islam: Integrasi Nilai, Moral, dan Spiritualitas untuk Membangun Budaya Integritas Basiroh, Siti; Yusgiantara, Akbar; Ibrahim, Rustam
ARZUSIN Vol 5 No 6 (2025): DESEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v5i6.8034

Abstract

Discourse on corruption in the education sector has expanded, yet studies that specifically examine the application of Islamic principles in the development of anti-corruption education remain limited. This study aims to examine the attributes of corruption in education, analyze the influence of Islamic principles in mitigating corrupt practices, and formulate solutions for the effective implementation of anti-corruption education. It employs a qualitative methodology based on literature analysis by reviewing scholarly articles, institutional reports, perspectives of Islamic education authorities, and anti-corruption policy documents. The data were analyzed using content analysis with a focus on patterns of value themes, implementation tactics, and structural barriers. The findings show that corruption in the education system is influenced by political favoritism, a lack of transparency, and deeply ingrained unethical behavior in school culture. The application of the values of trust, justice, and accountability constitutes an essential foundation for anti-corruption teaching from an Islamic perspective. These findings advance a character education paradigm grounded in religious principles and provide practical recommendations for schools in fostering a culture of honesty. The study also opens opportunities for field studies and longitudinal investigations to evaluate the effectiveness of this integrative methodology in the context of Islamic value-based anti-corruption education.

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