Realita: Jurnal Penelitian dan Kebudayaan Islam

Implementation of the Approach Measurement of Inclusive Financial Index in the Five Best Sharia Banks in Indonesia

Naning Fatmawati — 2023-12-31

Islamic banks carry out their role as intermediaries with Islamic principles. Inclusive finance is an effort to realize that all people in the community can enjoy facilities in the financial system. The purpose and objective of inclusive finance is to eliminate all obstacles in any form to the access of the entire community to use services in financial services supported by existing facilities. The financial inclusion index is an index to measure how much services to inclusive finance have been utilized by a country.

This study aims to analyze the Category of Accessibility Index, Avalability and Usability at BSM, Muamalah Bank, BNI Syariah Bank, BRI Syariah and Mega Syariah Bank. In addition, t also analyzes the BSM Financial Inclusive Index category, Bank Muamalah, Bank BNI Syariah, BRI Syariah and Bank Mega Syariah.

This study uses descriptive non-statistical quantitative research methods

The results of this study indicate that Bank Muamalat and Bank Syariah Mandiri have a high category of accessibility and usability index, however for the Avalability Index, Bank Muamalat is in the medium category and Bank Syariah Mandiri is in the high category. BRI Syariah and BNI Syariah have a medium category for the Index of Accessibility, Availability and Usability. Meanwhile, Bank Mega Syariah has a low category for the Index of Accessibility, Availability and Usability. The Financial Inclusion Index is in the high category at Bank Muamalat and Bank Syariah Mandiri, for BRI Syariah in the medium category and Bank Mega Syariah in the low category.

Budaya Islam Pesisir; Makna Tradisi Petik Laut bagi Masyarakat Desa Kemantren Lamongan

M Thoriqul Huda Thoriq — 2023-12-31

The Petik laut, a tradition that has taken root in the lives of coastal communities, is not only a symbol of gratitude for the abundant marine products but also a milestone in the continuity of Indonesian culture in the modern era. Amid changing times, this tradition remains an important part of the identity and social life of coastal communities. This research aims to gain a deeper understanding of the significance and dynamics of the petik-laut tradition in the context of the Kemantren Village community, Lamongan. A qualitative method was chosen to investigate the more complex and substantial aspects of this tradition by conducting direct observations in the field to gain a deeper understanding. The research subjects were residents of Kemantren Village, especially those directly involved in fishing activities. Through interviews, observations, and participation in local activities, the researcher attempted to permeate the values, beliefs, and roles attached to the tradition of petik lauts in the community. The results revealed various aspects ranging from the details of the implementation of the tradition to its meaning for various groups in the community, such as religious leaders and the younger generation. In addition, the research also highlights the social function of the petik-laut tradition in strengthening solidarity and maintaining social harmony in the context of community life in Kemantren Village, Lamongan. By better understanding this tradition, it is hoped that it can provide valuable insights to maintain and enrich valuable cultural heritage for future generations.

Strategi Pemasaran Dalam Meningkatkan Volume Penjualan Bibit Tanaman Hutan dan Buah-Buahan Di CV. Agro Utama Mandiri Lestari Kediri

Sendy Mahendra Fatkhi — 2023-12-30

Indonesia, with its vast land and tropical climate, provides abundant resources for agricultural business development, including fruit cultivation. One such example is CV. Agro Utama Mandiri Lestari, situated in Dusun Munengan, Desa Mangunrejo, Kecamatan Ngadiluwih, Kabupaten Kediri, East Java Province. The company specializes in trading fruit and forestry plant seeds. Currently, it is focusing on increasing sales revenue through the implementation of effective marketing strategies. CV. Agro Utama Mandiri Lestari has adopted a marketing strategy involving collaboration with educational institutions and relevant organizations. This approach includes providing educational services in the form of fruit and forestry plant seedling training. The research methodology employed in this study is qualitative, with data collected through observation and interviews. Based on the findings and analysis, it is concluded that CV. PT. Agro Utama Mandiri Lestari implements a marketing strategy involving the four elements of the marketing mix (4P): Product, Price, Place, and Promotion. Various channels such as electronic radio media, pamphlets, training, and seminars are utilized for promotion. This strategy also encompasses different approaches, including seed quality assurance and collaboration with various educational and governmental institutions. The results of this strategy demonstrate a significant increase in sales, thereby positively impacting the development of CV. Agro Utama Mandiri Lestari's business in the agricultural sector.

Relationship of Heredity, Environment, and Human Freedom in Islamic Education

Muslihudin — 2023-12-30

Social facts prove the problem of education when each individual prioritizes his selfish nature under the pretext of freedom of expression. In addition, many educators still use one method in dealing with various problems of their students. Even though students have different heredity. In fact, in practice, many educators consider classroom learning to be a stage to show off their intelligence in front of students so that students only act as spectators. Indirectly, educators have created a monotonous environment that does not support student self-development. The purpose of this research is to find out the nature of heredity, environment, and human freedom in self-development and their relationship in Islamic education. This research includes qualitative research using library research methods. The results of this study state that heredity, environment, and human freedom are integral parts that cannot be separated in individual development. Heredity or intrinsic potential is a factor that needs to be developed through the encouragement of good environmental facilities. Then, human freedom supports each individual to act and think creatively through education. Therefore, through this research, the authors offer the concept of a democratic school which is the result of the relationship between heredity, the environment, and the freedom of each individual.

Nilai Religius dalam Tradisi Baritan di Desa Wates Kabupaten Blitar

Shova Afkaryna — 2023-12-30

Indonesia, with its abundant wealth of traditions and cultures, stands out as a country renowned for its diverse cultural heritage. One unique tradition still firmly held by its people is Baritan. Baritan is a customary practice that continues to be observed by the residents of Desa Wates, located in the Wates sub-district of Blitar Regency. This tradition holds its uniqueness as it is usually conducted when the rainy season arrives, serving as a symbol of gratitude to God for the blessing of rain, which is crucial for agriculture and plant growth, and marking the beginning of a new planting season. The research method employed in this article is qualitative, allowing researchers to delve deeper into the cultural aspects and social meanings of the Baritan tradition. Despite Indonesia's rapid advancements in technology and modernization, particularly with the progress in science and technology (IPTEK), there remain challenges in preserving the sustainability of traditional customs such as Baritan. The younger generation, especially in Desa Wates, Blitar Regency, have not fully grasped and appreciated the religious values embedded in the Baritan tradition. Many of them participate in the tradition without understanding its deeper meanings and significance. Therefore, this study aims to delve deeper into the implementation stages of the Baritan tradition and the religious values contained within it. These religious values encompass aspects of belief (aqidah), Islamic law (syari'ah), and morality (akhlak), which form the main foundation in the implementation of the Baritan tradition.

The Effect of Online Learning on Intrinsic and Extrinsic Learning Motivation During the Covid-19 Pandemic

Risma Rosyidatul ' Izza — 2023-12-30

This study aims to test three hypotheses: 1) The influence of online learning on intrinsic learning motivation, 2) The influence of online learning on extrinsic learning motivation, and 3) The influence of online learning on learning motivation during the COVID-19 pandemic. The research design used is quantitative ex post facto. Forty-two (42) seventh-grade students at Mts Miftahul Huda, Kediri, participated in this study. Data were collected through two types of questionnaires: an online learning questionnaire and a learning motivation questionnaire. Data analysis was conducted using simple linear regression analysis and t-tests. The results of the study indicate that: 1) There is a significant influence of online learning on intrinsic learning motivation, with an effect of 22%; 2) There is a significant influence of online learning on extrinsic learning motivation, with an effect of 12.4%; 3) There is a significant influence of online learning on learning motivation during the COVID-19 pandemic, with an effect of 24.3%.