bluuebunny/crossref_metadata_2025_split huggingface dataset:
Improving Students’ Mathematical Problem-Solving Skill and Self-Efficacy through Problem-Based Learning Models with Scientific Approaches
Authors: Taufiqurrahman Muhammad , Hidayat Dayat 
Published: March 2024

This study aims to determine (1) the mathematical problem-solving skills of students who receive the PBL model compared to students who receive conventional learning, (2) improving the mathematical problem-solving skills of students who receive the PBL model with a scientific approach compared to students who receive conventional learning, (3) self-efficacy of students who receive the PBL model with a scientific approach compared to students who receive conventional learning, (4) improving the self-efficacy of students who receive the PBL model with a scientific approach compared to students who receive conventional learning. The research method used was a quasi-experimental method with a population of all VIII grade students at one of the junior high schools in Cilegon. Sampling was carried out by cluster random sampling technique. This results showed that the mathematical problem-solving skill of students who received the PBL model with a scientific approach was better than students who received conventional learning, improved problem-solving skills of students who get the PBL model with a scientific approach are better than students who get conventional learning, the self-efficacy of students who receive the PBL model with a scientific approach is better than students who receive conventional learning, and the improving in self-efficacy of students who get the PBL model is better than students who get conventional learning. Based on the research results, learning the PBL model with a scientific approach can be an alternative learning to improve students' problem-solving skills and self-efficacy.
Keefektifan Media Hyperdoc Diferensiasi untuk Meningkatkan Pemahaman Materi Toleransi
Authors: Rosidah Umi 
Published: March 2024

Penerapan pembelajaran diferensiasi dengan memanfaatkan teknologi masih menjadi masalah bagi guru. Penelitian ini bertujuan untuk mengetahui efektivitas penggunaan media hyperdoc dalam pembelajaran berdiferensiasi konten dengan asesmen awal pembelajaran melalui minat belajar. Pengembangan media ini menggunakan model Analyze, Design, Development, Implementation, dan Evaluation (ADDIE) yang kemudian diuji dengan uji kelayakan media dan uji efektivitas media menggunakan rumus N-Gain Hake. Subyek penelitian ini adalah 35 peserta didik kelas 9B. Hasil penelitian menunjukkan hasil uji efektivitas media mencapai skor 69,4 yang berada pada kategori cukup baik. Dapat disimpulkan bahwa media hyperdoc diferensiasi ini efektif dalam meningkatkan pemahaman peserta didik pada materi toleransi.
Analisis Sistem Kontrak Kerja Karyawan Dalam Perspektif Ekonomi Syariah Di Warung Kopi Sakerasumenep
Authors: Rizal Ahmad 
Published: March 2024

Sistem kontrak kerja merupakan suatu perjanjian antara pekerja dan pengusaha secara lisan dan atau tulisan, baik untuk waktu tertentu maupun untuk waktu tidak tertentu yang memuat syarat-syarat kerja, hak dan kewajiban. Pada dasarnya kontrak kerja yang ada saat ini harus sesuai dengan Undang-undang Ketenagakerjaan. Permasalahan dalam pelaksanaan sistem kontrak kerja yang terjadi saat ini yaitu terdapat pada pekerja tenaga kerja itu sendiri yang lalai dalam menjalankan kewajibannya dalam bekerja dikarenakan sudah lelah, masa kontrak yang telah habis. Bagaimana sistem kontrak kerja karyawan di warung kopi sakera sumenep? Bagaimana sistem kontrak kerja karyawan perspektif ekonomi syariah di warung kopi sakera sumenep?. Penelitian ini bertujuan untuk meneliti lebih mendalam mengenai analisis sistem kontrak kerja karyawan di warung kopi Sakera Sumenep. Metode yang digunakan dalam penelitian ini adalah kualitatif deskriptif. Sumber data yang digunakan adalah sumber data sekunder. Metode pengumpulan data adalah wawancara, observasi, dan dokumentasi. Teknik pengambilan sampel menggunakan purposive sampling. Hasil dari penelitian ini bahwa sistem kontrak kerja karyawan di Warung Kopi Sakera Sumenep dilakukan dengan secara tertulis dan merupakan bentuk sistem kontrak kerja karyawan yang menggunakan sistem waktu tertentu. Yang di dalamnya memuat unsur pekerjaan, pelayanan, waktu, dan upah. Karena pada dasarnya kontrak kerja karyawan yang ada di Warung Kopi Sakera itu sudah sesuai dengan undang-undang No. 13 tahun 2003 tentang ketenagakerjaan dan Ekonomi Syariah.
Kata kunci: Sistem, Kontrak Kerja, Karyawan, dan Ekonomi Syariah
Pengaruh Kebijakan Moneter dan Makroprudensial terhadap Risiko Kredit di Bank Umum Syariah Periode 2018-2022
Authors: Ambawani Firdaina Nanda Puan , Wahyudi Agung 
Published: March 2024

Abstract
The impact of the financial crisis at the end of 2008 resulted in the financial sector losing its ability to mitigate risk, in turn causing increased credit risk. The aim of the study is, of course, to understand the impact of monetary policy and macroprudential on credit risks in Indonesia's non-allocation financing (NPF). The study USES the data panel that has been processed through eviews 10 and applied with multiple linear regression analysis, specifying five different types of cellular general Banks that fit the criteria as a sample of observation during the 2018-2022 period. Research shows that bi rate as a monetary policy proxy and mandatory minimum requirement (GWM) as a macroprudensian policy proxy does not significantly affect credit risk. However, those capital inequality ratios have a significant negative impact on credit risk, while those variables financing to depositite ratios have significant positive effects on credit risk. Monetary policy and macroprudencies are crucial to systemic risk, particularly credit risk in the financial sector, especially at sharia general bank.
Aktualisasi Prinsip Keadilan Pada Akad Murabahah Dalam Menetapkan Margin Keuntungan Di Lembaga Keuangan Syariah
Authors: Marzuki Marzuki , Marzuki Marzuki 
Published: March 2024

Lembaga keuangan Syariah adalah opsi bagi nasabah yang ingin bertransaksi sesuai prinsip-prinsip syariah, menghindari riba. Bank syariah beroperasi berdasarkan prinsip-prinsip Islam, seperti akad murabahah, mudharabah, dan musyarakah. Fondasi operasionalnya bersumber dari al-Quran dan hadis, mencakup keadilan, kesetaraan, dan aturan hukum syariah. Akad murabahah, sebagai bentuk pembiayaan bank syariah, melibatkan pembelian barang dengan harga pokok dan keuntungan yang disepakati oleh nasbah dan pihak bank/BMT. Praktik akad murabahah harus memperhatikan aspek keadilan, termasuk penetapan harga adil, transparansi, pemenuhan kewajiban, penanganan risiko, dan penetapan margin keuntungan agar tidak ada eksploitasi. Penetapan margin keuntungan harus adil, wajar, dan transparan, meningkatkan kepercayaan nasabah terhadap bank syariah. Adapun tujuan dari penelitian ini adalah untuk menjelaskan aktualisasi prinsip keadilan pada akad murabahah dalam menetapkan margin keuntungan di lembaga keuangan syariah. Metode yang diterapkan dalam penelitian ini adalah pendekatan yuridis normatif dengan karakteristik penelitian berupa analisis deskriptif. Hasil dari penelitian ini penetapan margin keuntungan dalam pembiayaan akad murabahah didasarkan pada prinsip keuntungan yang adil, dengan tujuan mencapai margin yang wajar dan seimbang tanpa merugikan pihak bank maupun nasabah. Di mana bank syariah harus memberikan informasi rinci kepada nasabah mengenai perhitungan margin keuntungan beserta faktor-faktor yang memengaruhinya
Keywords: prinsip keadilan, akad murabahah, lembaga keuangan syariah
Syariah Branding pada Komunitas Muslim Millenial (studi pada Sahabat Hijrah Kota Batam)
Authors: Ruhmah Andi Amma 
Published: March 2024

Abstrak
Penelitian ini menyajikan fenomena kesadaran beragama kaum muda, yang diwakili oleh Generasi Millenial. Kesadaran beragama yang dibangun dengan membentuk komunitas keagaamaan , selaras dengan Keputusan mereka dalam memilih produk syariah (Syariah branding) dan memberi potensi untuk membentuk pasar. Metode yang digunakan adalah mix method, dan perolehan data diperoleh melalui sebaran kuisioner dan wawancara. Hasil dari penelitian ini adalah terdapat hubungan yang terus berkembang bagi generasi millenial dan kesadarannya akan pemahaman agama yang dibentuk melalui komunitas dan dapat membentuk budaya popular (Pop Culture) misalnya tren hijrah untuk menjawab peradaban yang semakin kompleks.

Kata Kunci : Syariah Branding, Muslim Millenial, dan Budaya Populer
Perubahan Capital Aset Pricing Model, Risiko, dan Efisiensi: Triger Unit Asuransi Full-Pledge Syariah
Authors: Arianty Erny , Ghoni Abdul 
Published: March 2024

Abstract
This research aims to analyze changes in capital asset values, risk levels, and efficiency as triggers for sharia insurance units to immediately provide full sharia guarantees. The method used is a quantitative method using financial ratios, Capital Asset Price Model (CAPM), and Financial Ratios. CAPM is used to find stock returns, financial ratios for risk and level of return. The results show that there is a change in PT JMAS stock returns which shows a decline in value. Regarding risk mitigation, the third company demonstrated effective risk control. Jasindo is bolder in taking premium risks, but the company has a strategy to increase the percentage of claims that become liabilities to reinsurance companies. In contrast to the Askrida sharia which is more careful in choosing premiums with high risks, this results in claims values that are relatively low and continue to decline. Finally, only the Askrida Syariah company shows a stable value even though the size is not yet significant. ROA growth at Jasando Syariah is less stable in maintaining returns from the use of its assets. There were less stable changes in ROA during 5 periods, 2017, 2018, 2019, 2021 and 2022..
Pengaruh Attitude, Subjektive Norms Dan Perceived Behavior Control Terhadap Minat Masyarakat Dalam Menggunakan Jasa Pembiayaan Murabahah Bank Syariah
Authors: Asnuri Lisa , Asyari Asyari , Sholihin Anwar 
Published: March 2024

Theory Planned Behavior (TPB) menjelaskan bahwa sikap terhadap perilaku merupakan pokok penting yang sanggup memperkirakan suatu perbuatan, meskipun demikian perlu dipertimbangkan sikap seseorang dalam menguji norma subjektif serta mengukur kontrol perilaku persepsian orang tersebut. Bila ada sikap yang positif, dukungan dari orang sekitar serta adanya persepsi kemudahan karena tidak ada hambatan untuk berperilaku maka niat seseorang untuk berperilaku akan semakin tinggi. Bank Syariah berperan penting sebagai fasilitator pada seluruh aktivitas ekonomi dalam ekosistem industri halal, yang mana perbankan Syariah di Indonesia sendiri telah mengalami peningkatan dan pengembangan yang signifikan dalam Inovasi produk, peningkatan layanan, serta pengembangan jaringan. Selanjutnya niat memiliki pengaruh yang cukup besar terhadap tindakan individu dalam menghindari pendapatan bunga atau bunga bank bentuk lainnya. Oleh karena itu, berdasarkan permasalahan di atas dan penelitian sebelumnya, maka penulis mengambil judul penelitian dengan Pengaruh Attitude, Subjektive Norms dan Perceived Behavior Control terhadap Minat Masyarakat dalam Menggunakan Jasa Pembiayaan Murabahah Bank Syariah Indonesia Cabang Lubuk Sikaping Kabupaten Pasaman.
Hasil penelitian mendukung hipotesis pertama bahwa variabel Attitude berpengaruh signifikan terhadap Minat Masyarakat di Lubuk Sikaping Kabupaten Pasaman. Variabel Attitude berpengaruh tehadap hasil karena nilai thitung> ttabel atau 11,127> 1,660 dan nilai signifikan yang dihasilkan 0,000 ttabel atau 6,985 > 1,660 dan nilai signifikan yang dihasilkan 0,000 ttabel atau 8,632 > 1,660 dan nilai signifikan yang dihasilkan 0,000
Pengaruh Religiusitas, Uang Saku Dan Status Sosial Ekonomi Orang Tua Terhadap Konsumsi Santri Ponpes Darul Arifin Jambi
Authors: Safitri Leni , Mubyarto Novi , - Habriyanto 
Published: March 2024

The purpose of this study was to identify the influence of faktor s of religiosity, pocket money, and socioeconomic status of parents on the consumption patterns of students at Darul Arifin Jambi Islamic Boarding Schoo both partially and simultaneously. The purpose of this research is to increase knowledge and insight in the field of consumption patterns, both for researchers and those who need the information. In this study, researchers tried to find solutions to the problems of students who stil have consumptive behavior.
The type of research used in this study is descriptive quantitative research. The population in this study was the students of Darul Arifin Jambi Islamic Boarding School, which totaled 1,237 students. In this study, researchers used the Slovin formula obtained 166 people as samples. Data collection techniques are carried out through the use of questionnaires, documentation, and observation. The data analysis techniques used in this study include data quality tests, classica assumption tests, multiple linear regression, t tests, F tests, and coefficients of determination.
The results of the regression test showed that the three independent variables had a significant influence on Consumption Patterns. The regression coefficients of Religiosity, Pocket Money, and Socioeconomic Status of Parents were 0.290, 0.132, and 0.202, respectively. Partia testing shows that individually, the three independent variables also have a significant influence on Consumption Patterns. Test F shows that simultaneously, the three independent variables together have a significant effect on Consumption Patterns. An Adjusted R2 value of 40.5% indicates that the independent variable can explain 40.5% of the variation in Consumption Patterns, while 59.5% is influenced by other variables outside the research model.
This study concluded that religiosity, pocket money, and socioeconomic status of parents have a significant effect on the consumption patterns of students at Darul Arifin Jambi Islamic Boarding School. Jointly or simultaneously, these three variables influence consumption patterns, besides that in the sobe test it is known that pocket money acts as a mediator in the influence of socioeconomic status of parents on consumption patterns.
Analysis Of The Influence of Organizational Culture, Work Discipline, And Job Satisfaction On Employee Performance At Pt. Bank Syariah Indonesia Office Area Semarang City
Authors: Mardhotillah Mai'syah , Hasanah Siti , Ulya Nur Maziyah 
Published: March 2024

This study aims to analyze the significant effect of Organizational Culture, Work Discipline, and Job Satisfaction on Employee Work Productivity with Work Motivation as a Moderating Variable at Bank Syariah Indonesia Branch Office of the Student Army Soldiers in Semarang City, either simultaneously or partially. The population in this study were all employees of Bank Syariah Indonesia Semarang City Area Office, while the sample in this study were 34 respondents who became employees of Bank Syariah Indonesia Semarang City Area Office who were selected using a saturated sampling technique. The data used in this study are primary data obtained through distributing questionnaires. The analysis model used in this study was the Multiple Linear Regression Analysis Model, while the data analysis technique used a simultaneous significance test (F test), coefficient of determination test (R2), and partial significance test (t-test) which were processed with the SPSS 25.00 program. The results of proving the hypothesis and discussion show that the variables of organizational culture, work discipline, and job satisfaction simultaneously have a significant effect on employee performance at PT Bank Syariah Indonesia Semarang City Area Office. Partially, the organizational culture and work discipline variables each have a positive and significant effect, while the job satisfaction variable partially has a positive but not significant effect on employee performance at PT Bank Syariah Indonesia Semarang City Area Office.
Keywords: Employee Performance, Organizational Culture, Work Discipline, Job Satisfaction
Halal Industry Products influence on Current Account in OIC Economics in Asia on 2015 – 2019
Authors: Syamsuri Syamsuri , Nadhilah Nadhilah , Masrifah Atika Rukminastiti 
Published: March 2024

The Halal industry is growing rapidly, which is driven by the high public demand for halal products. Halal products in various aspects of the industry are the new prima donna. The government hopes that halal products in the export and import approach can overcome the country's problems, especially the current account deficit. The purpose of this study analyses the effect of halal industrial products in the export and import approach on the current account balance of OIC member countries in Asia in 2015-2019. This type of research is quantitative research. The model calculated using the FEM (Fixed Effect Model) which discusses the correlation between the dependent variable and the independent variable to determine the effect on the current account balance from 2015 to 2019.
The results found the halal industrial products which are proxied by the export and import of halal products greatly affect the current accounts in 13 OIC member countries in Asia. Exports of halal products have a positive and significant effect on current accounts in OIC member countries in Asia. Meanwhile, imports of halal products have a negative and significant effect on current accounts in OIC member countries in Asia. Based on the results of the study, Kyrgyzstan ranked first with the highest number of halal product exports affecting current accounts among OIC member countries in Asia. Meanwhile, Saudi Arabia ranks thirteenth with the lowest number of halal product exports affecting the country's current accounts. In contrast with exports, Malaysia ranks first with the highest number of imports of halal products affecting current accounts among OIC member countries in Asia. Meanwhile, Lebanon ranks thirteenth with the lowest number of imports of halal products affecting the country's current accounts.
Analisis Pembiayaan Murabahah Bank X Cabang Syariah Surabaya
Authors: Krisnaningsih Diah , Fauji Imam , Masruchin Masruchin , Saadah Tsuroyya Putri , Maulidiyah Dwi 
Published: March 2024

Murabahah financing is the highest financing in Islamic banking in Indonesia, reaching Rp.185,828 M financing of the total sharia banking financing of Rp.393,535 M financing or covering 47.2% with growth that continues to increase steadily from year to year despite the 2019 covid pandemic. 19 hit Indonesia but did not affect the growth of murabahah financing.
The growth in financing is an indication of good growth in the Islamic banking business because the largest income for Islamic banking comes from financing, but it must also have good risk mitigation to maintain the health of the bank. Risk mitigation is carried out from the beginning before financing is carried out until the financing is paid off by the customer, one of which is by applying the principle of prudence in providing financing and analysis of effective murabahah financing. The financing analysis instrument consists of 5 C financing analysis and the application of murabahah financing analysis is very helpful for analysts and leaders in providing recommendations for financing decisions for prospective customers. 5 C financing analysis instruments (Character, Capacity, Capital, Condition and Collateral.
Does Financial Attitude Mediate Relationship Between Islamic Financial Knowledge, Internal Locus of Control and Islamic Financial Behavior?
Authors: Indana Rifaatul , Pambekti Galuh Tri 
Published: March 2024

This study aims to determine whether Financial Attitude is able to mediate the relationship between Islamic Financial Knowledge, Internal Locus of Control and Islamic Financial Behavior in Islamic Bank Millennial Consumers. This study uses a quantitative approach with statistical tests, the data collected was analyzed by the method of Structural Equation Modeling (SEM) using AMOS software. SEM analysis includes path analysis, confirmatory factor analysis (CFA), causal modeling with latent variables and multiple regression analysis of variance (Hair et al., 2010). This study uses four variables (see Figure 1) consisting of two exogenous variables (Islamic Financial Knowledge (IFK) and Internal Locus of Control (ILOC)), there is one mediating variable (Financial Attitude (FINA)), and one endogenous variable ( Islamic Financial Behavior (IFB)). The hypothesis test shows that the financial attitude possessed by the millennial generation is able to mediate the relationship between Islamic financial knowledge (Islamic financial knowledge) and self-control (internal locus of control) on Islamic financial behavior (Islamic financial behavior). This means that the millennial generation's attitude towards finance reflects knowledge and self-control so that they are able to demonstrate financial behavior in accordance with Islamic teachings (Islamic Finance).
Keywords: Knowledge of Islamic Finance, Internal Locus of Control, Financial Attitude, Islamic Financial Behavior.
Zakat Produktif: Kebijakan Pengelolaan Keuangan Publik sebagai Instrumen Pengentasan Kemiskinan di Indonesia
Authors: Zuchroh Imama 
Published: March 2024

This article describes the review of productive zakat as an instrument of poverty alleviation in Indonesia. This research uses a literature research method by studying and collecting the results of previous research that are in accordance with the theme of this study. The results of this study show that productive zakat in poverty alleviation instruments has played a considerable role. In addition to improving the economic life of mustahiq and meeting the needs in worshipping Allah Almighty. In Indonesia, regulations on the concentration and collection of productive zakat have been regulated starting from laws, government regulations to regional head regulations so that the potential for productive zakat as an instrument of poverty alleviation is a necessity.
Keywords: concentration, regulation, poverty alleviation, public finance, productive zaka, potential zakat