Abstract:The development of Islamic microfinance institutions requires the implementation of financing schemes that are not only compliant with Sharia principles but also capable of maintaining financing quality and sustainability.…
y. One of the most widely applied contracts is murabahah financing, particularly in supporting Micro, Small, and Medium Enterprises (MSMEs). This study aims to analyze the implementation of murabahah financing and the risk mitigation strategies applied at BMT Alif Mandiri Makassar. This research employs a qualitative approach with a descriptive-analytical method. Data were collected through field observations, in-depth interviews with management and financing officers, and documentation studies. The findings indicate that murabahah financing at BMT Alif Mandiri Makassar is implemented regularly through several stages, including application submission, feasibility analysis, financing approval, contract realization, and post-disbursement monitoring. The financing analysis emphasizes repayment capacity, members' character, and the suitability of financed goods for productive business needs. Risk mitigation strategies are conducted through careful customer character assessment, direct business verification, proportional margin determination, the use of collateral as a financing safeguard, and continuous monitoring. This study concludes that productive murabahah financing supported by integrated risk management practices is an effective and sustainable financing instrument for the development of MSMEs within Islamic microfinance institutions
Abstract:This study aims to analyze the effectiveness of the Government Business Incubators in encouraging the growth of MSMEs in Makassar City. Using a qualitative approach and case study research design, this study explores the…
experiences and perceptions of MSME actors and incubator managers regarding the impact of incubation on their business development. Data were collected through in-depth interviews, participant observation, and documentation related to the incubation program run by Makassar Technopark and Makassar City Business Incubator. The results of the study indicate that business incubators have a positive impact on improving managerial skills, wider market access, and strong business networks for MSMEs. However, there are challenges related to the suitability of training materials to the needs of specific sectors, difficulties in accessing capital, and limited time that MSME actors can invest in participating in the incubation program. Lack of ongoing mentoring after the incubation is complete is also one of the obstacles faced by business actors. Therefore, this study recommends adjusting the incubation program to be more relevant to the needs of each MSME sector, as well as increasing post-incubation support to ensure business sustainability.
Abstract:The agriculture sector plays a strategic role in the national economy and is highly dependent on fertilizer availability on support crop productivity. This study aimed to analyze the effectivenss of subsidized fertilizer…
er distribution and its impact on rice productivity in the tidal lowland areas of Tanjung Lago District, Banyuasin Regency. The research employed both quantitative and qualitative descriptive approaches using a stratified random sampling method involving 60 farmers who received subsidized fertilizer and 30 farmers who did not reveive subsidizer fertilizer. The effectiveness of subsidizer fertilizer distribution was evaluated using a likert scale based on the Six Appropriateness Principles, while the impct on rice productivity was analyzed by comparing the productivity levels of the two farmer groups. The findings showed that the distribution of subsidized fertilizer was generally categorized as moderately effective, with an average effectiveness score of 71,33%. The price compliance indicator was classified as highly effective (91,66%), while location suitability was categorized as effective (81,00%). Meanwhile, quantity appropriateness, fertilizer type suitability, and timeliness of distribution were categorized as moderately effective. The findings showed that the distribution of subsidized fertilizer was generally categorized as moderately effective, with an average effectiveness score of 71.33%. The price compliance indicator was classified as highly effective (91.66%), while location suitability was categorized as effective (81.00%). Meanwhile, quantity appropriateness, fertilizer type suitability, and timeliness of distribution were categorized as moderately effective. In contrast, the fertilizer quality suitability indicator was still considered ineffective, with an effectiveness score of 55%. The use or subsidized fertilizer also contributed positively to rice productivity. Farmers receiving subsidized fertilizer achieved an average rice productivity of 3.77 ton ha⁻¹, whereas farmers who did non receive subsidized fertilizer produced an average productivity of 3.20 ton ha⁻¹. This resulted in a productivity defference of 0.57 ha⁻¹.. equivalent to approximately 17.81%.
Abstract:HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immunodeficiency Syndrome) remain a global public health crisis, with the increasing number of cases in Indonesia, including Gorontalo, indicating a lack of public knowledge…
owledge and high social stigma as major obstacles. Advances in information technology offer significant opportunities for health promotion. HiVisitScreen is a modern, website-based digital platform developed as an educational medium to provide up-to-date information on HIV/AIDS, facilitate safe and confidential health access, and reduce the spread of HIV. This descriptive quantitative study, using a cross-sectional design, aimed to describe user satisfaction with the HiVisitScreen website among 150 active students at Gorontalo State University (UNG). User satisfaction was measured using the 13-item End User Computing Satisfaction (EUCS) questionnaire. The results show that overall, users were satisfied with the HiVisitScreen website, with a total mean score of 3.45 (Satisfied category). Among the five EUCS dimensions, Ease of Use had the highest mean score of 3.51 (Highly Satisfied category), emphasizing the application's user-friendliness and accessibility. Meanwhile, the Content dimension received the lowest mean score of 3.40 (Satisfied category), indicating that while the information is relevant and clear, improvements are needed in the completeness and suitability of the content to specific user needs, supporting the plan to add prevention features for serodiscordant couples. The HiVisitScreen website has successfully met user expectations and has the potential to function as an effective website-based intervention in HIV case management within the campus environment.
Abstract:This study aimed to evaluate the suitability of the coastal waters of Sungai Bakau, Kumai District, as an alternative site for sea cucumber (Holothuria scabra) aquaculture. Water quality parameters, including temperature,…
, salinity, and pH, were monitored, along with the growth performance of sea cucumbers in terms of body weight and length during the cultivation period. The results showed water temperatures ranging from 28–31°C, pH values between 8.3–8.7, and an average salinity of 20.5 ppt. Although the salinity was slightly below the optimal range (28–32 ppt), the sea cucumbers demonstrated positive growth. Final measurements indicated an increase in body weight from 10–20 grams to an average of 0.29 kg, and in body length up to 16.7 cm over approximately three months of cultivation. These findings suggest that the coastal waters of Sungai Bakau have potential for sea cucumber aquaculture development, with some adjustments needed to optimize salinity conditions.
Abstract:Islamic Education Evaluation has many challenges. The author lists three of them. The first is that each student has different needs and learning styles. The second is that not all teachers can carry out proper and objective…
tive evaluation well. The third is cultural differences. This study aims to find out 1.identification of challenges in Islamic education evaluation 2.solutions to overcome challenges in Islamic education evaluation. This research uses qualitative-descriptive-literature method with data collection techniques including documentation such as books and journals. The author writes 3 (three) solutions to the 3 (three) challenges. The first is the suitability of the evaluation tool. Second is the standard for objectivity so as not to bias the evaluation. Third is a number of values related to cultural differences, namely tasamuh (tolerance), ta'awun (mutual help), and tawazun (harmony).
Abstract:This research aims to analyze the influence of the use of influencer marketing on consumer purchasing behavior in the digital era. Influencer marketing has become a popular marketing strategy, especially on social media,…
that can influence consumer purchasing decisions. This research uses a survey method with 200 respondents who actively use social media and are exposed to influencer marketing content. The variables analyzed include influencer credibility, audience engagement, product suitability to the audience, and their influence on consumer purchasing decisions. The research results show that influencer credibility, audience engagement, and product suitability with the audience have a significant positive influence on consumer purchasing behavior. Additionally, transparency and authenticity in the relationship between influencers and brands has also proven important in building audience trust. This research provides practical implications for companies to select the right influencers, increase audience engagement, and maintain authenticity in their marketing campaigns. Overall, influencer marketing has proven effective in influencing consumer purchasing decisions, especially in the context of social media and the digital era.
Abstract:This research used a quantitative method where the sample consisted of 59 respondents who were divided into two villages, namely Marobea Village with 37 respondents and Lakalamba Village with 22 respondents. The SPSS version…
sion 21 program was used to analyze the effectiveness of communication between corn planting teachers. The results of the analysis show that (1) the overall level of farmer participation in agricultural extension activities is included in the less active category. Compared to the participation stage, farmers are more active in implementation than planning. Corn farmers in Marobea Village are more active than corn farmers in Lakalamba Village. (2) Agricultural extension communication between corn farmers in Marobea and Lakalamba Villages is most effective in increasing knowledge (cognitive) and subsequently influencing attitudes (affective), but less effective in encouraging action tendencies (behavioral). Extension communication between corn farmers in Marobea Village is more effective compared to corn farmer groups in Lakalamba Village. The more active farmers are, the more motivated they are to apply extension materials. and (3) Factors that determine the effectiveness of extension communication include extension factors, extension methods, and facilities and infrastructure. Extension factors related to the effectiveness of extension communication are the attitude, communication and knowledge aspects of the instructor. Aspects of method suitability and effectiveness are also related to the effectiveness of extension communication which is supported by the availability of extension infrastructure.
Abstract:Dyslexia is a neurodevelopmental disorder that specifically affects an individual's ability to process phonological and orthographic information, thereby hindering the development of basic literacy skills. In inclusive education…
ducation systems at the elementary level, these limitations are often not addressed through pedagogical approaches that align with the neurocognitive needs of learners. The problem addressed in this study is the effectiveness of the multisensory learning approach in improving the reading skills of children with dyslexia in inclusive elementary education settings. This research was conducted through a systematic literature review using a descriptive qualitative approach, drawing upon scholarly sources published in nationally and internationally accredited journals over the past decade. Thematic analysis was employed to identify consistent empirical findings related to multisensory interventions. The results show that the multisensory approach (which simultaneously engages visual, auditory, kinesthetic, and tactile modalities) has been proven to enhance phonological decoding, word recognition accuracy, reading fluency, and learning affectivity in children with dyslexia. Its effectiveness is highly influenced by the duration and intensity of the intervention, educators' competence in designing multisensory activities, and the suitability of materials to individual sensory profiles. The conclusion of this review asserts that the multisensory approach is not merely a remedial strategy, but a neuroeducation-based pedagogical framework that is inclusive and transformative. The novelty of this research lies in its integrative emphasis on the multisensory approach and principles of educational neuropsychology as the foundation for developing learning models that are responsive to the needs of neurodivergent learners in the context of inclusive elementary education in Indonesia.
Abstract:Strategic planning of educational support facilities and infrastructure constitutes an essential aspect in enhancing the overall quality and efficacy of educational systems. The availability and suitability of educational…
l facilities serve as critical determinants influencing the smooth execution of teaching and learning activities, as well as the attainment of long-term institutional objectives. A frequent challenge encountered by educational institutions is the discrepancy between actual needs and the allocation of facilities and infrastructure, potentially leading to resource inefficiencies and degradation of educational service quality. Hence, an in-depth investigation into comprehensive strategic planning mechanisms is imperative to support precise, data-driven decision-making processes. This study employs a literature review methodology, integrating diverse scholarly sources, including indexed international journals, academic textbooks, national education policies, and other pertinent documents, to delineate an adaptive and sustainable conceptual framework for strategic planning. The findings affirm that the strategic planning process for educational facilities and infrastructure encompasses three principal stages: (1) empirical and prospective needs analysis, taking into account learner dynamics and curricular changes; (2) budget planning prioritizing fiscal efficiency and optimal resource utilization; and (3) procurement prioritization based on urgency, relevance, and impact on educational quality enhancement. The scope of facilities and infrastructure planned includes various categories ranging from physical infrastructure, consumables, immovable assets, to modern educational technology devices. The novelty of this research lies in the development of a holistic and participatory strategic planning model that accommodates the needs of all stakeholders and adapts to the evolving global educational landscape. Practical implications of this study are anticipated to reinforce governance in the procurement of educational facilities and infrastructure, ensuring effectiveness, transparency, and sustainability, while simultaneously supporting national educational transformation toward superior quality and heightened competitiveness.