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M. Agus Wahyudi
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Academica: Journal of Multidisciplinary Studies
Published by Universitas Islam Negeri Raden Mas Said Surakarta
ISSN : 25799703     EISSN : 25799711     DOI : https://doi.org/10.22515/academica.v9i2.14105
Core Subject : Religion, Economy, Humanities, Education, Social,
Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other
Academica: Journal of Multidisciplinary Studies is a peer-reviewed multidisciplinary journal published by Universitas Islam Negeri Raden Mas Said Surakarta. First launched in 2017, Academica is issued biannually (January–June and July–December). The journal publishes original research articles addressing contemporary social issues, based on both fieldwork and textual studies. Contributions are reviewed from various disciplinary perspectives, including: Philosophy, Law, Islamic Studies, Anthropology, Economics, Education, Psychology, Communication, Sociology, Culture and Local Wisdom. This journal is committed to exploring and disseminating creative and innovative ideas from scholars and practitioners who focus on current social phenomena
Arjuna Subject : -
Articles 183 Documents
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Cara Menarik Minat Pelanggan Pada Layanan Gadai Emas Syariah Dari Pegadaian Syarah Melalui Strategi Pemasaran Anisa Mekarsari; Al Amin Sayid HSB; Eftika Nur Alsiyah; Niken Nor Azhari; Tri Rahmawati
Academica: Journal of Multidisciplinary Studies Vol. 8 No. 1 (2024): January-June2024
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/academica.v8i1.10434

Abstract

Sharia pawnshops are non-bank financial institutions that operate in accordance with Sharia principles. This research aims to explore sharia gold pawn development strategies and relate them to existing theories, with a focus on SWOT analysis to formulate effective marketing strategies for sharia gold pawn products. Qualitative methods are used with the Sharia Pegadaian customer population. Through SWOT analysis, marketing strategies will be optimized by exploiting strengths and opportunities and minimizing weaknesses and threats.
Analisis Kinerja Keuangan Bank Syariah Indonesia (BSI) Dengan Metode Sharia Conformity And Profitability (SCnP) Nanda Zukhrufi Prabowo; Sucik Lestari; Salwa Yuliana Chumaeroh; Elza Nova Fajria; Vira Fitriawati
Academica: Journal of Multidisciplinary Studies Vol. 8 No. 1 (2024): January-June2024
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/academica.v8i1.10483

Abstract

This study employs a qualitative approach with an analysis of the financial statements of Bank Syariah Indonesia (BSI) for the period 2018-2022, obtained from BSI's official website. The method used is the Sharia Conformity and Profitability (SCnP) Model to classify the bank's performance into four quadrants based on sharia compliance and profitability. The analysis process involves calculating ratios such as sharia investment, sharia income, profit sharing, return on assets (ROA), return on equity (ROE), and profit margin. The results show that before the merger, the performance of state-owned sharia banks (BRIS, BNIS, BSM) displayed high ratios of sharia investment and profit sharing. However, after the merger, there was a significant increase in the ratios of ROA, ROE, and profit margin. According to the SCnP graph, all three state-owned sharia banks, both before and after the merger, were in the Lower Right Quadrant (LRQ), indicating high sharia compliance but low profitability. This result suggests that although sharia compliance has been met, profitability still needs to be improved.
Pengaruh Kreativitas, Modal Usaha Dan Minat Berwirausaha Mahasiswa Uin Raden Mas Said Surakarta Terhadap Ekonomi Kreatif Anugerah Sekar Kharisma
Academica: Journal of Multidisciplinary Studies Vol. 8 No. 1 (2024): January-June2024
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/academica.v8i1.10515

Abstract

This study aims to determine how Gen Z students' creative interest, venture capital, and entrepreneurial interest impact their creative economy.To determine the relationship between two or more variables, this study used a quantitative approach. In this study, the population consists of Gen Z students who own businesses or are entrepreneurs.There are three independent variables used in this study including creativity, business capital, and entrepreneurial interest. The dependent variable of this study is the creative economy of Gen Z students. The study used T test, F test, R2 test, regression equation model estimation, validity, reliability, normality, heteroscedasticity, and autocorrelation to analyze the data. This research shows the results that there is a significant positive influence on the influence of creativity, business capital, and interest in entrepreneurship on the creative economy of Gen Z students.
Analisis Laporan Keuangan Dalam Mengukur Kinerja Keuangan BAZNAS Provinsi Sumatera Barat Periode 2020-2022 Siti Ramadhani; Eka Septiana; Fadillah Dwi Sintawati; Alia Rahmawati
Academica: Journal of Multidisciplinary Studies Vol. 8 No. 1 (2024): January-June2024
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/academica.v8i1.10623

Abstract

The aim of this research is to analyze and measure the financial performance of the National Amil Zakat Agency (BAZNAS) in West Sumatra Province from 2020 to 2022. This study uses the strategic study center of BAZNAS to calculate activity ratios, efficiency ratios, amil fund ratios, and growth ratios. Quantitative data from the financial reports of BAZNAS in West Sumatra Province for the years 2020–2022 are used. In this research, data were collected through observation and documentation using descriptive quantitative techniques. As a result of the activity ratio analysis, BAZNAS in West Sumatra Province is considered quite effective in the distribution and collection of Zakat, Infaq, and Sedekah (ZIS) funds. While the operating cost ratio to amil rights and the operating cost ratio to total amil rights are inefficient, the efficiency ratio also shows fairly efficient results. However, the collection ratio, human resource cost ratio, and amil fund ratio show good results. Meanwhile, the growth ratio shows less favorable results, with both the collection and distribution growth ratios showing suboptimal outcomes.
Digital Readiness Amidst Rural Realities: A Phenomenological Inquiry into Papuan Pre-service Teachers’ Experiences Dewi Zulaiha
Academica: Journal of Multidisciplinary Studies Vol. 9 No. 2 (2025): July-December 2025
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/academica.v9i2.12142

Abstract

The digital transformation of Indonesian education faces severe geographical and infrastructural hurdles, particularly within the Papua region, where a persistent digital divide complicates the implementation of modern educational standards. This phenomenological study explores how 26 Papuan pre-service teachers navigate the demands of the digital age alongside the mandates of the Kurikulum Merdeka (Independent Curriculum). Utilizing a qualitative approach, the research analyzes data collected from students across various districts in Biak to reveal the lived experiences of future educators in underdeveloped areas. The findings highlight a sharp contrast between professional idealism and structural reality; while these pre-service teachers demonstrate high levels of resilience by prioritizing "offline-first" pedagogy and the integration of local wisdom, their readiness is severely constrained by a lack of stable internet access, electricity, and essential digital devices. Furthermore, professional development is significantly hindered by limited access to training and workshops in these remote locations. This study concludes that the readiness of pre-service teachers is structurally limited rather than a result of personal capability. Consequently, the findings contribute to the field by emphasizing that policy interventions must shift from mere curriculum updates to prioritizing foundational infrastructure and localized training. Such targeted efforts are essential to ensure equitable educational progress and to bridge the gap between national digital expectations and the reality of rural Papuan classrooms.
Peran Pendidikan Islam dalam Pencegahan Perilaku Incest pada Era Digital Sela Fajar Ariani; Firda Fitrotunnisa’; Desi Mifatkuljanah; Hanifah Muti'ah; Laela Nur Aeni
Academica: Journal of Multidisciplinary Studies Vol. 8 No. 2 (2024): July-December 2024
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/academica.v8i2.13246

Abstract

Era Revolusi Industri 4.0 membawa perubahan mendasar dalam pola interaksi sosial dan konsumsi informasi, yang turut memunculkan berbagai bentuk penyimpangan moral, termasuk fenomena fantasi inses (incest) yang semakin mudah diakses melalui media digital. Meskipun bersifat imajinatif, fenomena ini merefleksikan problematika serius dalam dimensi spiritual, etika, dan psikologis, terutama ketika konten terkait mengalami normalisasi di ruang virtual. Penelitian ini bertujuan untuk menganalisis peran strategis pendidikan Islam dalam upaya pencegahan dan pembinaan moral terhadap fenomena tersebut. Metode penelitian yang digunakan adalah pendekatan kualitatif melalui studi pustaka terhadap literatur keislaman, pendidikan, psikologi, dan media digital. Hasil kajian menunjukkan bahwa pendidikan Islam yang berorientasi pada penguatan tauhid, internalisasi akhlak, dan pembiasaan adab memiliki kapasitas signifikan dalam membentuk kesadaran etis, memperkuat kontrol diri, serta membangun daya kritis generasi muda dalam menghadapi arus konten digital yang menyimpang. Strategi yang direkomendasikan meliputi integrasi nilai-nilai Islam dalam kurikulum pendidikan, optimalisasi peran keluarga sebagai basis pendidikan moral, serta pengembangan literasi digital berbasis nilai keislaman.
Academic Resilience among Final-Year Health Professional Students: Programmatic and Gender Variations in Indonesia Atik Ulinuha; Setyani Alfinuha
Academica: Journal of Multidisciplinary Studies Vol. 9 No. 1 (2025): January-June 2025
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/academica.v9i1.13436

Abstract

Academic resilience is a crucial attribute for students in health-related disciplines to adapt and thrive amid high academic and clinical demands. Objective: This study aims to analyze the level of academic resilience among final-year students across various health disciplines, identify variations in resilience levels, and explore the implications for developing more targeted academic support and mental health interventions. Method: This study employed a descriptive quantitative approach using a cross-sectional survey design. Data were collected through a structured questionnaire adapted from a validated scale, the Academic Resilience Scale (ARS-6). The study population consisted of 272 final-year undergraduate and diploma students from nine health-related study programs at a private higher education institution in Indonesia, selected through convenience sampling. The collected data were analyzed using descriptive statistical techniques. Results: The findings indicate that the majority of respondents (84.92%) demonstrated high levels of academic resilience. Male students tended to exhibit higher mean resilience scores (38.15) and more stable distributions compared to female students (35.15). In terms of study programs, undergraduate Dentistry and diploma Midwifery recorded the highest average resilience scores, whereas undergraduate Nursing and undergraduate Pharmacy showed the lowest. Conclusion: Although most final-year students in health-related programs exhibit high academic resilience, significant variations exist across study programs and between genders.
Comparative Analysis of Sharia and Conventional Peer-to-Peer Lending for MSMEs Mutmainah Mutmainah; Tri Hidayati
Academica: Journal of Multidisciplinary Studies Vol. 9 No. 1 (2025): January-June 2025
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/academica.v9i1.13577

Abstract

Objective: This study aims to comparatively analyze the differences in risks, costs, and social impacts between Sharia and conventional Peer-to-Peer (P2P) lending on Micro, Small, and Medium Enterprises (MSMEs). Method: The research adopts a library research approach by utilizing secondary data obtained from the Financial Services Authority (OJK), academic literature, and various scholarly journals related to fintech and Islamic finance. Result: The findings indicate that conventional P2P lending operates under a fixed interest-based system, in which credit risk is fully borne by the borrower, whereas Sharia P2P lending applies profit-and-loss sharing and risk-sharing principles through contracts such as mudharabah, musyarakah, or wakalah bil ujrah. The cost structure in the Sharia system is more flexible as it does not involve elements of riba, while the conventional system imposes fixed interest rates that may place a financial burden on MSMEs. From a social perspective, P2P lending plays a significant role in expanding access to financing for MSMEs that are not yet served by formal financial institutions. Conclusion: The Sharia model is considered more equitable as it emphasizes partnership, transparency, and economic justice in accordance with Islamic values. Therefore, Sharia P2P lending functions not only as an alternative financing mechanism but also as an instrument for sustainable and socially just economic empowerment.
Media Digital sebagai Enabler Gadai Syariah: Analisis Etnografi Virtual Wahyu Hidayat; Salsabilla Diana Putri; Fathiya Khairu Izzati
Academica: Journal of Multidisciplinary Studies Vol. 8 No. 2 (2024): July-December 2024
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/academica.v8i2.13581

Abstract

Transformasi digital telah membawa perubahan signifikan dalam sektor keuangan syariah, termasuk pada layanan gadai syariah yang kini semakin terintegrasi dengan media sosial sebagai kanal komunikasi dan edukasi. Instagram tidak lagi semata berfungsi sebagai media promosi, tetapi juga sebagai ruang interaksi yang membentuk pengalaman, persepsi, dan pemaknaan baru masyarakat terhadap layanan keuangan syariah. Penelitian ini bertujuan untuk menganalisis peran platform digital sebagai enabler dalam pengembangan layanan gadai syariah, dengan fokus pada Pegadaian Syariah Pusat dan Pegadaian Syariah Cabang Purwokerto, menggunakan pendekatan netnografi. Data dikumpulkan melalui observasi partisipatif di ruang digital, dokumentasi konten media sosial, serta analisis interaksi audiens, guna mengidentifikasi pola komunikasi, strategi pemasaran digital, dan respons publik terhadap pesan-pesan yang disampaikan. Hasil penelitian menunjukkan bahwa Instagram berperan signifikan dalam memperluas jangkauan pasar, meningkatkan literasi keuangan syariah, serta membangun kepercayaan publik melalui penyajian konten visual yang persuasif, interaktif, dan edukatif.
The Theology of Ibn Taymiyyah and the Rise of Salafi Ideology in Indonesia Raihan Pradipta; gazali gazali
Academica: Journal of Multidisciplinary Studies Vol. 9 No. 1 (2025): January-June 2025
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/academica.v9i1.13857

Abstract

This article explores the evolution of Ibn Taymiyyah’s theological thought and its influence on the rise of Salafi ideology in Indonesia. Ibn Taymiyyah is recognized as a prominent theologian who emphasized the purification of Islamic teachings by returning to the Qur’an and Sunnah. His concept of tawhid, Rububiyyah, Uluhiyyah, and Asma’ wa Sifat, became the fundamental basis for Salafi movements that reject rational interpretation and uphold the supremacy of revelation. This study employs a qualitative approach using library research and content analysis of Ibn Taymiyyah’s works as well as literature on Salafi ideology. The findings reveal that Salafi ideology has developed into several categories: Salafi Ilmi, which focuses on education and scholarly transmission; Salafi Manhaj, which emphasizes methodological approaches in da’wah; Salafi Jihadi, which advocates armed struggle; and Salafi Takfiri, which is characterized by extreme excommunication of others. The Islamic University of Imam Muhammad ibn Saud serves as a strategic institution in disseminating these ideas through education, religious outreach (da'wah), and its alumni network across various countries, including Indonesia. Thus, the connection between Ibn Taymiyyah, Salafism, and Imam Muhammad ibn Saud University reflects a strong ideological continuity in shaping contemporary religious practices focused on the purification of creed and worship.

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