A Strategy to Overcome Loandependency to the Moneylenders (Research of Employees at Industrial Companies in Banten Province)

One of the economic diseases of society in human civilization is usury. Difficulties in a community in the lending money to some financial industry services, especially in the banking industry, have become a target for a moneylender in offering their services. The moneylenders’ main motivation was to make other people's difficulties in a business field that benefits themselves. The dilemma of people's socio-economic life, especially among company employees, was related to financial problems, it caused employees to need sudden funds to meet their daily needs. This research aimed to analyze the effect of religiosity factor, cultural factor, social factor, personal factor, psychological factor, and the existence of Sharia Micro Finance Institution (SMFI) on loan dependency to the moneylenders, this research aimed to formulate a strategy to overcome loan dependency to the moneylenders. The type of research method in this paper was a combination of the type of investigation and the unit of analysis because this research analyzed the effect and simultaneous relationship between several studied variables using cross-section type data. The methods used in this research were SEM (Structural Equation Modeling).The results showed that religiosity factor, cultural and social factors did not have a significant effect on loan decision making. Meanwhile, personal factor, psychological factor, and the existence of SMFI factor have a significant effect on loan decisions. To reduce the dependency of employees on taking loan from the moneylenders, companies are expected to provide awareness of saving and caring for others through Islamic philanthropy. The Novelty in this research was that the religiosity factor did not have a significant effect on loan dependency to the moneylenders for employees at industrial companies in Banten. Keywords: moneylenders, usury, structural equation modeling DOI: 10.7176/EJBM/13-6-05 Publication date:March 31st 202

The Learning Trajectory of Set Concept Using Realistic Mathematics Education (RME)

Learning trajectory of set is a learning path to get concept of set. However, several teachers did not combine methods, approaches, and ideas in their practical deliveries. This situation becomes a concern for teachers to handle since it will affect the rule without reason so that the accepted concept will not last long in students’ memory. This study aim to describe the learning trajectory using RME models to construct the concept of set. Hypothetical learning trajectory (HLT) was designed using a qualitative method with the realistic mathematics education (RME) of Gravemeijer model as the activity stage begin from preparing for the experiment, pilot experiment, teaching experiment and retrospective analysis. The designed HLT consisted of an objective, activity, and conjecture. This study achieved an understanding of the set concept with applying RME design. By providing examples of contextual mathematics that take place in the learning environment, these outcomes were achieved. Then using media like set cards to model mathematics so that students can advance their own knowledge to the level of formal mathematics. Therefore, the RME-based HLT design can be a solution to obtain the concept of set, primarily in domain definition and set notation to produce a learning trajectory

Pengaruh Strategi Bauran Pemasaran terhadap Keputusan Pembelian Busana Muslim di Tangerang

Indonesia merupakan negara dengan penduduk Muslim terbanyak di dunia, pada tahun 2010 penganut Islam di Indonesia sekitar 205 juta jiwa atau sekitar 88,1 persen dari jumlah penduduk. Sejak kebangkitan Islam di seluruh dunia yang dimulai pada tahun 1970an busana muslim menjadi populer di Indonesia, hal tersebut membuat industri pakaian jadi yang di dalamnya termasuk busana muslim berkembang pesat, jauh di atas fashion konvensional (Euis Saedah, Juli 2012). Salah satu daerah di Indonesia yang mengalami perkembangan usaha di sektor industri maupun perdagangan busana muslim adalah Tangerang, karena letak demografinya dekat dengan Jakarta dan salah satunya didukung populasi penduduknya yang 88,3% muslim (BPS Propinsi Banten, 2011). Penelitian ini adalah penelitian kuantitatif dengan desain penelitian cross sectional dan dilakukan untuk menjawab tiga pertanyaan utama yaitu: (1) Mencari jawaban apakah strategi bauran pemasaran mempengaruhi pembelian busana muslim di Tangerang. (2) Untuk mengetahui faktor yang paling besar memberikan pengaruh sehingga orang membeli busanamuslim di Tangerang. Subyek penelitian adalah para konsumen busanamuslim di Tangerang, Sampel data yang dipergunakan dalam penelitian ini diambil dari masyarakat pekerja kantor, pendidik, maupun ibu rumah tangga di Tangerang dengan cara menyebar kuesioner di Daerah KabupatenTangerang, Tangerangkota, dan Tangerang Selatan, dari tanggal 1 Oktober 2012 sampaidengan 5 Nopember 2012. Analisis hipotesis dilakukan dengan Structural Equation Modelling (SEM) dengan menggunakan software LISREL 8.70 Hasil analisis menunjukkan bahwa ada pengaruh strategi bauran pemasaranya itu variabelt empat (place) terhadap keputusan pembelian busana muslim di Tangerang yaitu dengan nilai-t = 2,16. Sebagai kesimpulan, penelitian ini membuktikan bahwa ternyata tidak semua strategi bauran pemasaran (marketing mix) berpengaruh terhadap pembelian busana muslim di Tangerang, dari variabel strategi bauran-pemasaran 4-P tersebut ternyata hanya variabel tempat (place) saja yang mempunyai pengaruh terhadap keputusan pembelian busana muslim di Tangerang. Hal ini menunjukkan bahwa masih ada faktor lain selain strategi bauran pemasaran yang mempengaruhi konsumen terhadap pengambilan keputusan membeli busana muslim di Tangerang misalnya seperti faktor pemenuhan kebutuhan untuk berpenampilan syar'i (berbusana sesuai ketentuan agama) serta faktor psikologis (motif membeli bersifat emosional) dimana pembeli mempunyai keinginan tertentu dan baru akan membeli suatu produk apabila kepadanya disodorkan atau ditawarkan produk yang di jual tersebut dalam hal ini busana muslim