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THE FACTORS OF SERVICE, RELIGIOSITY AND KNOWLEDGE IN THE DECISION OF CUSTOMERS TO SAVE FUNDS IN SHARIA BANKS IN YOGYAKARTA CITY Pabbajah, Mustaqim; Widyanti, Ratri Nurina; Widyatmoko, Widi Fajar
Jurnal Internasional Bisnis, Humaniora, Pendidikan dan Ilmu Sosial Vol 1 No 2 (2019): International Journal of Business, Humanities, Education and Social Sciences
Publisher : Universitas Teknologi Yogyakarta

Islamic banks are experiencing rapid development amid the current global crisis in Indonesia and even in the world. This becomes evidence that Sharia Bank can maintain its existence from all the problems of a complex economic crisis that hit in 2007. Indonesia as the largest Islamic country in the world is a potential market that supports the sustainability of Islamic banking. The Islamic sharia principles in its management, causes many people in Indonesia, especially in Yogyakarta decide to save their funds in Islamic banks. The population in this study is all Islamic bank customers in Yogyakarta, with sample selection using incidental sampling. The data analysis method used is multiple linear regression. This study shows the positive influence of service and public trust in Islamic banks. Similarly, knowledge about Islamic banks, and one's religiosity has an important role in the decision making to save funds in Islamic banks in the city. Islamic labelity and current trends supported by high community religiosity are also important factors in the decision to deposit funds in Islamic banks. In fact, the biggest influence that influences customer's decision to save funds in a bank is the quality of service and trust. Thus, the attention of banking players is needed in improving performance and banking services, so that public confidence is higher in the decision to save funds in the bank. In other words, the community remains consistent to make economic transactions with banks in order to respond to the challenges of the economic crisis in the future.

THE FACTORS OF SERVICE, RELIGIOSITY AND KNOWLEDGE IN THE DECISION OF CUSTOMERS TO SAVE FUNDS IN SHARIA BANKS IN YOGYAKARTA CITY Pabbajah, Mustaqim; Widyanti, Ratri Nurina; Widyatmoko, Widi Fajar
Jurnal Internasional Bisnis, Humaniora, Pendidikan dan Ilmu Sosial Vol 1 No 2 (2019): International Journal of Business, Humanities, Education and Social Sciences
Publisher : Universitas Teknologi Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46923/ijbhes.v1i2.37

Islamic banks are experiencing rapid development amid the current global crisis in Indonesia and even in the world. This becomes evidence that Sharia Bank can maintain its existence from all the problems of a complex economic crisis that hit in 2007. Indonesia as the largest Islamic country in the world is a potential market that supports the sustainability of Islamic banking. The Islamic sharia principles in its management, causes many people in Indonesia, especially in Yogyakarta decide to save their funds in Islamic banks. The population in this study is all Islamic bank customers in Yogyakarta, with sample selection using incidental sampling. The data analysis method used is multiple linear regression. This study shows the positive influence of service and public trust in Islamic banks. Similarly, knowledge about Islamic banks, and one's religiosity has an important role in the decision making to save funds in Islamic banks in the city. Islamic labelity and current trends supported by high community religiosity are also important factors in the decision to deposit funds in Islamic banks. In fact, the biggest influence that influences customer's decision to save funds in a bank is the quality of service and trust. Thus, the attention of banking players is needed in improving performance and banking services, so that public confidence is higher in the decision to save funds in the bank. In other words, the community remains consistent to make economic transactions with banks in order to respond to the challenges of the economic crisis in the future.

STUDENT PERCEPTION OF THE QUALITY OF SERVICE IN THE MASTER OF MANAGEMENT STUDY PROGRAM OF UNIVERSITAS TEKNOLOGI YOGYAKARTA Widyanti, Ratri Nurina
Jurnal Manajemen Bisnis Vol 10, No 2: September 2019
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.10179

Quality of service is a major supporter in building public trust in the quality of services in the field of education. As users of services in the field of education, student satisfaction needs to be a priority and attention in providing service. This paper aims to analyze student perceptions of service quality and analyze the effect of service quality gaps on the expectations of students of the MM-UTY Program, with a case study in the Master of Management Study Program of the Universitas Teknologi Yogyakarta (Prodi MM-UTY). The concept used as the analysis was service quality, with data collection methods carried out through observation, questionnaires, and interviews. The analytical method used to test the research instrument was factor analysis to test the construct validity and reliability. The results of this study indicate the perception of student satisfaction with the quality of services conducted by the Prodi MM-UTY. Likewise, the average Gap score is positive so that the quality of service at this time is sufficient to meet the expectations and desires of students, which in general need to be maintained. However, partially, there are still some services in Prodi MM-UTY experiencing gaps so that it is necessary to improve the quality of sustainable services.

Trust and Perceived Risk toward Actual Online Purchasing: Online Purchasing Intention as Mediating Variable Septi Diana Sari; Ratri Nurina Widyanti; Inon Listyorini
Integrated Journal of Business and Economics (IJBE) Vol 4, No 1 (2020): Integrated Journal of Business and Economics
Publisher : Fakultas Ekonomi, Universitas Bangka Belitung

This research aims to test the influence of trust and perceived risk on Actual Online Purchasing (AOP) either directly or through Online Purchase Intention (OPI) as a mediating variable. Purposive Random Sampling used in this research with 100 respondents who have searched product through the E-Commerce website (B2C & C2C). This research uses Structural Equation Modelling (SEM) model with SmartPLS 3 program. The results of the test showed that Security practice and Privacy Concern have a negative effect on Perceived Risk, which subsequently Perceived Risk has a negative effect on OPI. However, OPI has no significant effect on AOP. Between the two of trust antecedents, the EWOM and Perceived Reputation only Perceived Reputation has a significant influence on the Trust. From the four constructs in this study (AOP, OPI, Trust and Perceived Risk), the Trust Model is the most powerful predictive model compared to other models such as Perceived Risk, OPI, and AOP.

Membangun Moderasi Beragama: Mustaqim Pabbajah; Ratri Nurina Widyanti; Widi Fajar Widyatmoko
Jurnal Darussalam: Jurnal Pendidikan, Komunikasi dan Pemikiran Hukum Islam Vol 13 No 1 (2021): September 2021
Publisher : IAI Darussalam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/darussalam.v13i1.1304

The ratification of job creation law or omnibus law that changes clauses and establishes new regulations in a legal codification format has led to rejection in several regions in Indonesia because justice is not been reflected in terms of licensing aspects and weakened responsibilities. The omnibus law legislative process, which has so much been able to be completed in a short time, during the Covid-19 situation. This matter triggers the question of how the omnibus law legalization process is carried out based on the perspective of siyasah dusturiyah so how to analyze environmental content on environmental fiqh. This research is library research based on a normative approach by qualitative analysis methods. The theory used in this study is the theory of siyasah dusturiyah and environmental fiqh. The results of this study indicate that the omnibus law legislative process is not in line with the expectations of the benefit of dharuriyah, justice, and a sense of responsibility. The environmental content in the omnibus law does not yet represent environmentally friendly development so its management must be based on the principle of balance between utilization and environmental conservation.

RESPONS LEMBAGA PENDIDIKAN ISLAM ATAS IMPLEMENTASI SISTEM MANAJEMEN MUTU PENDIDIKAN NASIONAL Deraman Deraman; Mustaqim Pabbajah; Ratri Nurina Widyanti
al-Iltizam: Jurnal Pendidikan Agama Islam Vol 7, No 1 (2022): Pendidikan dan Pembelajaran
Publisher : IAIN Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/alt.v7i1.3051

AbstrakLembaga Pendidikan Islam dituntut untuk terus berbenah di tengah kompleksitas perubahan sistem Pendidikan nasional. Dinamika perubahan kebijakan itu berlangsung sebagai upaya perbaikan mutu Pendidikan, cenderung memaksa Lembaga Pendidikan Islam dalam pengimplementasian manajemen mutu Pendidikan yang ditetapkan. Penelitian ini bertujuan untuk menjelaskan respons Lembaga Pendidikan Islam atas implementasi sistem manajemen mutu pendidikan. Penelitian ini menggunakan metode deskriptif kualitatif. Data penelitian dikumpulkan dengan teknik kuesioner, studi dekomentasi, wawancara, dan observasi. Hasil studi ini memperlihatkan bahwa implementasi sistem manajemen mutu pendidikan di Lembaga penddikan Islam telah berjalan sesuai dengan fungsi dan prinsip-prinsip manajemen yang mencakup aspek perencanaan, pengorganisasian, pengarahan dan pengendalian. Studi komparasi implementasi sistem manajemen mutu pendidikan dengan Manual Mutu menemukan bahwa SMP IT Masjid Syuhada sebagai salah satu Lembaga Pendidikan Islam di Yogyakarta telah memenuhi sebagian besar Manual Mutu yang diimplementassikan dalam system Pendidikan nasional. dengan demikian, Lembaga Pendidikan Islam telah merespons dengan baik implementasi system penjaminan mutu sebagaimana diharapkan. Studi ini menyarankan perlunya peningkatan pengelolaan Lembaga Pendidikan yang professional untuk menghadapi tantangan dunia Pendidikan yang terus berubah. Kata kunci: Pendidikan Islam, Implementasi, Sistem Manajemen Mutu, Pendidikan Nasional AbstractIslamic Educational Institutions are required to continue to improve in the midst of complexity of changing in the national education system. The dynamics of complex policy changes as an effort to improve the quality of education tend to force Islamic Education Institutions to implement the education quality management that has been determined. This study aims to explain the response of Islamic Education Institutions to the implementation of the education quality management system. This study used descriptive qualitative method. The research data were collected by using questionnaires, descriptive studies, interviews, and observations. The results of this study show that the implementation of the education quality management system in Islamic education institutions has been running in accordance with the functions and principles of management which include aspects of planning, organizing, directing and controlling. A comparative study of the implementation of the education quality management system with the Quality Manual found that SMP IT Masjid Syuhada as one of the Islamic Education Institutions in Yogyakarta has complied with most of the Quality Manuals implemented in the national education system. Thus, Islamic Education Institutions have responded well to the implementation of the quality assurance system as expected. This study suggests the need to improve the management of professional educational institutions to face the challenges of the ever changing world of education.Keywords: Islamic Education, Implementation, Quality Management System, National Education

DIVERSIVIKASI PRODUK DENGAN MENERAPKAN TEKNOLOGI FOOD DRYING MACHINE UNTUK PENGENDALIAN KERUSAKAN SAYURAN Ferida Yuamita; Ulfa Amalia; Ratri Nurina Widyanti
KOMMAS: Jurnal Pengabdian Kepada Masyarakat Vol 1, No 3 (2020): KOMMAS: JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : KOMMAS: Jurnal Pengabdian Kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2000.305 KB)

Desa Bangunharjo yang berada di daerah Bantul memiliki jenis tanah yang subur sehingga banyak lahan yang dapat digunakan untuk pertanian. Hal tersebut sejalan dengan program pemerintah One Product One Person (OPOP) masyarakat mulai membentuk kelompok tani. Jenis tanaman yang ada di pekarangan warga beraneka antara lain sawi, kangkung, bayam dan bunga kol. Masing-masing warga yang aktif memanfaatkan lahan bergabung dalam kelompok tani. Mitra yang menjadi objek pada penelitian ini adalah KWT Migunani. Permasalahan yang terjadi pada mitra adalah terbatasnya ide dalam mengolah hasil panen berupa sayuran yang memiliki umur yang pendek sehingga hasil panen dibiarkan saja membusuk atau dimanfaatkan sebagai pupuk kompos. Sehingga walaupun hasil panen cukup melimpah namun tidak sesuai dengan pendapatan yang akan didapatkan. Solusi yang ditawarkan kepada mitra dengan diversifikasi produk dengan pemanfaatan Food drying machine (mesin pengering makanan). Produk olahan yang dihasilkan berupa sayuran kering yang dapat dimanfaatkan sebagai bahan campuran makanan lain. Sayur kering instan yang diberi nama Sayur-in. Hasil akhir dalam pengabdian masyarakat setelah dilakukan diversifikasi produk laba yang dihasilkan dengan modal yang sama terjadi peningkatan laba 2 kali lipat dibandingkan dengan sebelumnya.Kata kunci: Diversifikasi, Sayur instan, Food Drying Machine

Injustice Management of Adat Land: Learn from Maranfenfen in Aru Selvone Christin Pattiserlihun; Mustaqim Pabbajah; Ratri Nurina Widyanti
DIALEKTIKA Vol 16, No 1 (2023): (Edisi Juni) Kajian Masyarakat Adat dan Moderasi Beragama
Publisher : IAIN Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/da.v16i1.5397

The issue of Adat (customary) land management carried out by the government as a ruler of indigenous peoples in the world is not a new thing to be discussed. Many phenomena of Adat land management deviate from human rights. This problem occurs because indigenous peoples still lack knowledge about laws and rights to Adat land. The State has strong control to regulate and take rights over all forms of natural wealth in Indonesia, including land because it is stated in the UUD NKRI 1945, Article 33 point 3 "earth and water and the natural resources contained therein are controlled by the state and used for the greatest prosperity of the people."Â This paper aims to discuss injustice in Adat land management as the rights of the indigenous peoples in Marafenfen, Aru Islands, Maluku province, which the government seized through one of the government agencies in the field of national defense (TNI-AL). This issue proves that the rights of indigenous peoples to Adat lands are still unfair, especially in Indonesia.

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