Abstract:This study aims to determine differences in the soundness level of government owned Islamic banks before and after the merger using the Risk Profile, Good Corporate Governance, Earnings, and Capital methods. This study uses…
ses quantitative anda comparative methods with secondary data types in the form of quarterly financial reports obtained from the bank’s official website and www.ojk.co.id. The samples in this research are balance sheets and reports profit and loss of Bank Syariah Mandiri, BNI Syariah, BRI Syariah, and Bank Syariah Indonesia in the 2018-2022 period. Based on the results of research with bro using the RGEC method which consists of Risk Profle with a Non ratio Performing Financing (NPF), and Financing to Deposit Ratio (FDR), Good Corporate Governance with Net Open Position (PDN) ratio, Earnings with gan Return On Asset (ROA) and Capital ratio with the Capital Adequacy Ratio (CAR). The results of the NPF, PDN, ROA, and CAR ratio analysis provide result that there is a significant difference in this ratio before and after the merger. Meanwhile, the FDR ratio shows that there is no difference in the results significant before anda after the merger. Based on research has been carried out, it can be concluded tha Bank Syariah Indonesia is improving after the merger.
Abstract:The purpose of this study is to analyze the effect of the Federal Funds Rate before and during the Covid-19 pandemic on economic stability in five developing countries in the Southeast Asian region which are members of an…
n economic and geopolitical organization, namely the Association of Southeast Nations (ASEAN) to see short-term relationships. and long-term during that period. The indicators of economic stability used are the benchmark interest rate for deposits, the reference interest rate for loans, the balance of payments which includes exports and imports, inflation, exchange rates, and the money supply. In this study, the method used was the quantitative method and the data obtained was secondary data sourced from International Financial Statistics (IFS) from January 2015 to December 2022 which used the Vector Error Correction Model (VECM) approach in the Eviews 9 application. The results found indicated that in the long run, the existence of FFR volatility has a positive effect on the Deposit and Export Reference Rates. While those that have a negative effect are Loan Reference Rates, Imports, Exchange Rate Inflation, and Money Supply. In the short term, the existence of the FFR interest rate has a positive effect on the Reference Rates for Deposits, Imports, and Inflation. While those that have a negative effect are Loan Reference Rates, Exports, Exchange Rates, and Money Supply
Abstract:Perkembangan pesat teknologi Artificial Intelligence (AI) telah mengubah lanskap pendidikan tinggi secara signifikan, terutama dengan hadirnya tutor virtual berbasis AI yang mampu memberikan umpan balik cepat, tepat, dan…
personal. Analisis Real merupakan salah satu mata kuliah yang paling menantang dalam program pendidikan matematika karena sifat abstraknya sering menyebabkan rendahnya self-efficacy mahasiswa. Penelitian ini bertujuan menganalisis pengaruh pemanfaatan AI sebagai tutor virtual terhadap self-efficacy mahasiswa Pendidikan Matematika Universitas Asahan yang menempuh mata kuliah Analisis Real. Penelitian menggunakan pendekatan kuantitatif dengan desain quasi-experimental one-group pretest-posttest, melibatkan 15 mahasiswa yang dipilih melalui purposive sampling. Instrumen angket self-efficacy dikembangkan berdasarkan tiga dimensi Bandura (magnitude, strength, generality), divalidasi melalui expert judgment dengan Cronbach’s Alpha sebesar 0,84. Hasil analisis deskriptif menunjukkan peningkatan rata-rata skor self-efficacy dari 65,67 (pre-test, kategori sedang) menjadi 79,93 (post-test, kategori tinggi), dengan peningkatan sebesar 21,7%. Uji Wilcoxon Signed-Rank Test menghasilkan nilai Z = −3,408 dengan p-value = 0,001 (p < 0,05), yang mengkonfirmasi terdapat perbedaan signifikan self-efficacy mahasiswa sebelum dan sesudah intervensi enam minggu menggunakan AI tutor virtual.
The rapid development of Artificial Intelligence (AI) technology has significantly transformed higher education, particularly through AI-based virtual tutors capable of providing fast, precise, and personalized feedback. Real Analysis, one of the most challenging mathematics education courses, frequently causes low self-efficacy among students due to its abstract nature and demands for formal proof-writing. This study examines the effect of utilizing AI as a virtual tutor on self-efficacy of mathematics education students at Universitas Asahan. A quantitative quasi-experimental one-group pretest-posttest design was employed with 15 students selected via purposive sampling. The self-efficacy questionnaire was based on Bandura’s three dimensions: magnitude, strength, and generality, validated by expert judgment with Cronbach’s Alpha coefficient of 0.84. Descriptive analysis results showed an increase in mean self-efficacy scores from 65.67 (pre-test, moderate category) to 79.93 (post-test, high category), representing a 21.7% improvement. The Wilcoxon Signed-Rank Test yielded Z = −3.408 with p-value = 0.001 (p < 0.05), confirming a significant difference in student self-efficacy before and after the six-week AI virtual tutor intervention.
Abstract:This study aims to determine the effect of using Google Earth media through the Contextual Teaching and Learning (CTL) model on the learning outcomes of social studies on natural phenomena material for fifth-grade students…
ts of SDN Telang 2 in the 2026/2027 academic year. The study used a quantitative approach with the Pre-Experimental Design method and One Group Pretest-Posttest Design. The research subjects were 17 students. Data collection techniques were carried out through tests, observations, and documentation. The research instrument was a multiple-choice test given before and after treatment. Data were analyzed using descriptive statistics and paired sample t-test. The results showed that the average pretest score of 68.82 increased to 79.41 in the posttest, with an increase of 10.59 points. The results of the paired sample t-test showed a significance value (2-tailed) of 0.000 <0.05, so H₀ was rejected and H₁ was accepted. These findings indicate that the use of Google Earth media through the CTL model has a significant effect on the learning outcomes of social studies on natural phenomena material. The integration of Google Earth and CTL provides a more contextual, interactive, and meaningful learning experience, helping students understand the concept of natural features more concretely. Therefore, Google Earth, through the CTL model, can be used as an alternative media and effective learning model to improve social studies learning outcomes in elementary schools.
Penelitian ini bertujuan untuk mengetahui pengaruh penggunaan media Google Earth melalui model Contextual Teaching and Learning (CTL) terhadap hasil belajar IPS materi kenampakan alam pada siswa kelas V SDN Telang 2 Tahun Pelajaran 2026/2027. Penelitian menggunakan pendekatan kuantitatif dengan metode Pre-Experimental Design dan desain One Group Pretest-Posttest Design. Subjek penelitian berjumlah 17 siswa. Teknik pengumpulan data dilakukan melalui tes, observasi, dan dokumentasi. Instrumen penelitian berupa tes pilihan ganda yang diberikan sebelum dan sesudah perlakuan. Data dianalisis menggunakan statistik deskriptif dan uji paired sample t-test. Hasil penelitian menunjukkan bahwa nilai rata-rata pretest sebesar 68,82 meningkat menjadi 79,41 pada posttest, dengan peningkatan sebesar 10,59 poin. Hasil uji paired sample t-test menunjukkan nilai signifikansi (2-tailed) sebesar 0,000 < 0,05, sehingga H₀ ditolak dan H₁ diterima. Temuan ini menunjukkan bahwa penggunaan media Google Earth melalui model CTL berpengaruh signifikan terhadap hasil belajar IPS materi kenampakan alam. Integrasi Google Earth dan CTL mampu memberikan pengalaman belajar yang lebih kontekstual, interaktif, dan bermakna sehingga membantu siswa memahami konsep kenampakan alam secara lebih konkret. Oleh karena itu, Google Earth melalui model CTL dapat dijadikan alternatif media dan model pembelajaran yang efektif untuk meningkatkan hasil belajar IPS di sekolah dasar.
Abstract:Non-communicable diseases (NCDs) remain a major health problem in Biringkanaya District, Makassar City, with high rates of obesity, hypertension, high cholesterol, and metabolic disorders. These problems are influenced by…
y an unbalanced diet, low consumption of local foods, and a lack of physical activity. The SIPAKATAU (Synergy of Local Food and Physical Activity) programme was designed to address these issues through nutritional education, my plate demonstrations, physical activity, and the use of locally sourced, easily accessible food to the community. The activities were carried out over a month in Paccerakkang and Berua villages, involving 24 participants, health cadres, and the Paccerakkang community health centre. The intervention included pre-tests, interactive education, hands-on practice, physical activity monitoring, and health checks before and after the activities. The results showed an increase in knowledge from 50% to 75% in the good category, increased implementation of My Plate, and 75% of participants had sufficient physical activity. Health indicators showed improvement, particularly in cholesterol (normal levels increased from 1 to 7 individuals) and uric acid (100% normal). Blood sugar levels showed improvement, while blood pressure and nutritional status required longer-term intervention. The SIPAKATAU programme proved effective in improving community nutrition and health behaviours and is recommended as a model for community-based NCD prevention.
Abstract:This study aims to evaluate the effectiveness of game based-learning methods in improving students’ learning motivation in elementary schools.In this digital era,the use of technology in education is increasing,including…
ng the integration of educational games as a learning tool. This method is expected to make the teaching and learning process more interestin and interactive,so that it can also increase students’ learning motivation. This study uses a quantitative approach with an experimental design to measure changes in students’ learning motivation before and after implementation of game based-learning methods.
Abstract:The aim of this research was to investigate: (1) the application of the Community Language Learning (CLL) model on students’ speaking competence, (2) the students’ speaking competence before and after the implementation…
ion of the CLL model, and (3) whether there is a significant effect of the CLL model on students’ speaking competence. The population of this study consisted of 248 tenth-grade students at SMA Negeri 5 Padangsidimpuan. Using systematic sampling, a total of 35 students were selected as the sample. This research employed an experimental method. Data were collected through observation and speaking tests, and the results were analyzed using a paired-sample t-test. The findings revealed that the application of the CLL model on students’ speaking ability scored 3.6, categorized as “Very Good”. The students’ mean speaking score before the implementation of CLL was 78.51 (“Good”), which increased to 83.42 (“Very Good”) after the treatment. The t-test calculation yielded a t-value of 7.15, which exceeds the critical t-value of 2.03 at a 5% significance level (df = 35). Therefore, it is concluded that there is a statistically significant effect of the Community Language Learning model on students’ speaking competence among tenth-grade students at SMA Negeri 5 Padangsidimpuan.
Abstract:This article examines the genealogy of al-Syāṭibī’s maqāṣid thought in al-Muwāfaqāt, focusing on its intertextual roots and later influence in contemporary Islamic legal thought. Using qualitative library research and intertextual…
arch and intertextual analysis, it reads al-Muwāfaqāt not as an isolated text, but as part of a broader network of uṣūl al-fiqh traditions before and after al-Syāṭibī. The study argues that al-Syāṭibī’s maqāṣid theory was not entirely new, but represented a systematic development and epistemological reconstruction of earlier ideas, especially al-Ghazālī’s conception of maṣlaḥah mursalah. Al-Syāṭibī’s major contribution lies in transforming maṣlaḥah mursalah from a subsidiary legal proof into a foundational principle of Islamic legal reasoning. The article also shows that the Mālikī intellectual milieu of Granada, along with rational elements introduced through Mu‘tazilite theology and philosophy, contributed to the formation of his thought. After a long period of dormancy, al-Syāṭibī’s maqāṣid thought was revived through the publication of al-Muwāfaqāt in Tunisia and later developed by Ibn ‘Āshūr, contemporary uṣūl scholars, and Qur’anic hermeneutical thinkers such as Abdullah Saeed.
Abstract:This study aimed to examine the effect of the group résumé method on tenth-grade students’ ability to write recount texts at SMA Negeri 6 Padangsidimpuan. Specific objectives were to describe students’ writing ability before…
ity before and after implementing the group résumé method and to determine whether the method produced a significant improvement. The population consisted of 124 tenth-grade students, and a systematic sampling procedure yielded a sample of 27 students. The study used an experimental design; data were collected with observation sheets and writing tests. The mean score after applying the group résumé method was 3.5, which falls into the “Very Good” category according to the study’s scoring criteria. A t-test was used to analyze the results: tcomputed = 6.73, while ttable = 2.06. Because ttest> ttable, the findings indicate that the group résumé method had a statistically significant positive effect on students’ recount writing ability.
Abstract:This study investigated the effectiveness of the Complete‑Sentence Model in enhancing paragraph‑writing ability among ninth‑grade students at SMP Negeri 2 Sibabangun. Specifically, it aimed to (1) describe the implementation…
ementation of the Complete‑Sentence Model in teaching paragraph writing, (2) measure students’ paragraph‑writing ability before and after the intervention, and (3) determine whether the model produced a statistically significant improvement. A pre‑experimental one‑group pretest–posttest design was employed. The population was all Grade IX students (N = 84); a purposive sample of 29 students from class IX C participated. Data were collected via observation checklists and writing tests. Findings show that implementation quality was rated as good (mean = 3.4). Students’ mean writing score improved markedly from 39 (pretest; fail) to 75 (posttest; good). A paired t‑test confirmed the improvement was statistically significant (t = 11.78 > tcritical = 2.05), leading to acceptance of the hypothesis. The results indicate that the Complete‑Sentence Model is an effective instructional strategy for improving paragraph‑writing ability among ninth‑grade students at the study site.