International Journal of Multidisciplinary Research of Higher Education (IJMURHICA)

Determinants of Purchasing Decision of Islamic Banking Mortgages Subsidised Among Urban Millennials in Indonesia

Rahmat Dahlan — 2025-08-17

The potential of the homeownership credit market among millennials in Indonesia is quite significant, reaching 44% of those who do not own a house. Alternative Sharia subsidised homeownership programs get affordable prices, but the market share of Sharia Bank mortgages is relatively tiny. The study aims to analyse the determining factors for millennial customers to get subsidised Islamic banking mortgages in urban areas. The research was a mixed method with an exploratory sequential design approach. The informant and respondent were domiciled in South Tangerang City, Banten Province of Indonesia. The sampling technique used snowball sampling as informants and purposive sampling with the Lemeshow formula as respondents. Data was collected through interviews with five informants from property developers, academicians, customers and managers of Bank Syariah Indonesia Griya division, questionnaires of 100 respondents as customers of Bank Syariah Indonesia, and literature studies. Descriptive thematic qualitative analysis data used triangulation techniques by Miles and Huberman, while quantitative data used regression and correlation analysis with SPSS technique. The promotional research results were carried out together, determining prices according to economic fluctuations and Bank Syariah Indonesia's brand image with accredited property developers. Multiple regression tests analysed the data. The results of the study show that the Bank Syariah Indonesia brand image is the primary determinant, and the house price is the second determinant of the credit decision of subsidised Griya Bank Syariah Indonesia home ownership. Meanwhile, in Bank Syariah Indonesia's brand image, customers who have home ownership credit are the first to consider a financing institution. Then, the price becomes a factor of consideration, along with special or limited offers, according to the customer's financial ability. The research implies that the better the Bank Syariah Indonesia brand image and house prices are, the more the customer's decision to own an urban millennial subsidised home with Bank Syariah Indonesia Griya will increase.

Environmental Awareness Education Program for Students in Realizing SDGs 12

Euis Septiaty — 2025-08-22

Plastic waste in school environments is not just a matter of cleanliness, but also a reflection of how we educate children to care for and take responsibility for the environment from an early age. In one of Indonesia's major urban areas, schools play an important role as learning spaces and places for instilling sustainable living values. Through the Adiwiyata program and the Pancasila Student Profile Strengthening Project, children are encouraged to learn while taking action to manage waste, maintain cleanliness, and understand the impact of their choices on the environment. This study is important to assess how far these efforts have progressed, what has been successful, and what challenges still need to be addressed collectively. This research aims to examine how cross-sector collaboration between the government, schools, communities, businesses, and the media plays a role in plastic waste management at one of Indonesia's senior high schools. Using a qualitative approach and case studies, data was collected through interviews with the Tangerang Selatan Environmental Agency (2 individuals), the Community (2 individuals), students (20 individuals), and teachers (3 individuals). The results of the study show that the active involvement of all parties not only fosters an environmental culture in schools but also provides students with opportunities to act as agents of change. They learn to sort, process, and creatively address environmental issues. However, challenges such as insufficient teacher training, uneven distribution of roles among institutions, and weak integration of programs into the curriculum still need to be addressed. The implications of these findings suggest that consistent active involvement and commitment from all parties can lead to improved plastic waste management in schools, supported by adequate policies and teacher training in the teaching and learning process.

Analysis of Group Counseling Practices: A Systematic Literature Review

Mona Yulia Zulfa — 2025-08-23

Group counseling services play an important role in supporting individuals' psychological, social, and academic development, especially in the context of education and community. This article discusses the operational steps involved in implementing group counseling, examines how such services are applied in various countries, and explores the factors that influence their success. This study employs a Systematic Literature Review method using the Preferred Reporting Items for Systematic Reviews and Meta-Analyses guidelines, a evidence-based reporting framework designed to enhance transparency and completeness in reporting systematic review and meta-analysis results. The review includes 25 selected scientific articles from national and international journals over the past ten years. The results of the literature review analysis indicate that the implementation of group counseling generally consists of six main stages: assessing participants' needs, planning sessions, forming groups, conducting sessions, evaluating the process, and follow-up. In a global context, the implementation of group counseling varies based on educational policies, culture, and professional readiness in each country. Countries such as the United States, South Korea, and Finland have developed systematic service models based on a collaborative approach, while developing countries face challenges related to resources, counselor training, and Countries such as the United States, South Korea, and Finland have developed systematic, collaborative service models, while developing countries face challenges related to resources, counselor training, and institutional structures. Factors influencing the success of implementation include counselor competence, participant engagement, institutional support, and adaptation to the local cultural context. This article makes an important contribution to the development of an operational framework for group counseling services that are not only procedurally effective but also culturally relevant and aligned with educational systems

The Implementation of the Gale-Shapley Algorithm in School Admission Preferences: An Analysis of Matching Efficiency and Allocation Equity

Randi Proska Sandra — 2025-08-25

In today’s educational landscape, integrating algorithmic approaches into school admission systems is crucial to ensure fairness, transparency, and efficiency. This study investigates the application of the Gale-Shapley algorithm to address the challenges of student-school matching, which often result in mismatches and inequities. This study aims to explain how the Gale-Shapley algorithm can ensure stable student placement, where no pair of students prefers each other over the post-assignment. Employing a mixed-methods approach, we combined a literature review with a simulation-based implementation using Python. A test case involving four students and four schools was used to validate the algorithm’s performance. The preferences of both students and schools were modeled, and the Gale-Shapley algorithm was applied to generate stable matchings. Authors analysis focused on evaluating the stability, fairness, and efficiency of the outcomes. The results demonstrate that the algorithm consistently produces optimal and conflict-free placements aligned with participant preferences. These findings highlight the algorithm’s potential to enhance the equity and effectiveness of school admission processes, particularly when applied to real-world educational settings. The implications of the discussion show that it supports trust in the admission system, because the stability and transparency of the process increase legitimacy and acceptance by all parties, including students, schools, and educational authorities.

Six Symbolic Communication Practices in Islamic Religious Learning for Children with Special Needs

Irham Ritonga — 2025-08-28

Symbolic communication practices for children with special needs in Islamic religious education include the use of body movements and so on. This study aims to analyze how symbolic communication practices are used in Islamic religious education for children with special needs. This study uses a qualitative method with a case study type. The informants consisted of eight people, including Islamic education teachers, students with special needs, parents, and school principals. All interview data were analyzed using the Miles and Huberman technique, which includes data reduction, data presentation, and interactive conclusion drawing or verification. The findings of this study show six symbolic communication practices in Islamic religious education for children with special needs. The six practices are the use of visual media, worship aids, concrete movements, role modeling, continuous habituation, and emotional touch. The implications or benefits of these findings are that they make it easier for students to understand the lessons, are more effective and efficient, and help students achieve independence in learning, as seen in their increased understanding of symbols, consistency in performing worship, and positive responses.

The Role of Peer Support in Fostering the Spirit of Life in Patients with Human Immunodeficiency Virus

Azmiral Anwar — 2025-08-28

Patients with Human Immunodeficiency Virus often face stigma, discrimination, and psychological pressure that causes them to lose their will to live. There have not been many studies that specifically highlight how peers can revive their will to live through therapeutic communication. This study aims to analyze the role of peers in fostering the spirit of living among Human Immunodeficiency Virus patients at a humanitarian foundation in Indonesia. This study uses a qualitative method with a case study approach that focuses on the supportive role of peers in fostering the spirit of living among people with Immunodeficiency Virus/Acquired Immunodeficiency Syndrome. Data was obtained through in-depth interviews with 12 informants, consisting of the foundation director, program manager, three peer supporters, two counselors, a doctor, and five HIV/AIDS patients, supplemented by observation and documentation of the foundation's activities. This study found that therapeutic communication conducted by peer supporters at the Medan Plus Foundation in Medan City had a significant effect on improving self-acceptance and zest for life among people living with HIV/AIDS. There are eight main roles that are carried out, namely an empathetic approach, a non-judgmental attitude, gradual communication through social media, face-to-face meetings, maintaining trust, using language appropriate to the emotional condition, providing emotional support, and therapeutic education. These findings are useful as a reference for health practitioners, social institutions, and the community to strengthen emotional support and therapeutic communication for people living with HIV/AIDS. The implications of this research emphasize the importance of the role of peer supporters in improving the quality of life of people living with HIV/AIDS.

Sociology of Communication Nazir Mosque Study of Uncertainty in Sermon Schedules and Social Isolation of Preachers

Novry Rivaldy — 2025-08-28

Mosques serve not only as places of worship, but also as social and religious institutions with multidimensional roles. Mosque administrators hold strategic positions in maintaining communication between administrators, congregations, and other parties involved, including preachers who deliver messages during Friday sermons. This study aims to analyze the sociological dynamics of communication among the nazirs of Al Jihad Mosque in Medan, particularly regarding the unclear schedule of Friday sermons and the phenomenon of social isolation experienced by the khatibs. Ineffective communication between the nazirs and the khatibs has disrupted the delivery of sermons and weakened congregational participation. This study uses a qualitative approach with a case study method. Data were obtained through in-depth interviews and participatory observation. There were six informants consisting of mosque administrators, preachers who had served or were serving at the mosque, and mosque congregants. The results show that the weak communication system and management structure of the mosque trigger serious problems in the delivery of sermons and reinforce the social isolation of the khatib, as evident in the decline in the quality of sermons, the strained relationship between administrators and khatibs, and the decline in congregants' trust in the management.