Abstract:This study aims to analyze the role of innovation and technology in strengthening the Islamic finance ecosystem in the digital era. The research employs a qualitative-descriptive approach through a literature-based analysis…
sis integrating technology adoption theories (TAM, UTAUT, DOI) and the principles of maqaṣid al-shari’ah as the theoretical foundation. The findings reveal that perceived usefulness, ease of use, social influence, and infrastructural support are the key determinants influencing users’ intentions toward adopting Islamic financial technologies. Furthermore, Shariah-compliant fintech innovation driven by maqaṣid al-shari’ah enhances financial inclusion, ethical governance, and sustainable economic development. The study emphasizes that collaboration among regulators, financial institutions, and educational entities is crucial to developing adaptive regulations and strengthening digital-Shariah literacy. The main conclusion underscores the significance of aligning technological innovation with Islamic ethical principles to advance the competitiveness of the Islamic finance industry globally.
Abstract:The research aims to analyze regional tax potential, the process of setting tax revenue targets, identifying factors that influence target achievement, strategies for increasing local revenue in Bukittinggi City. This research…
search uses a descriptive qualitative approach with data collection techniques through documentation studies and in-depth interviews with informants from the Bukittinggi City Regional Financial Agency. The research results show that the tax potential in Bukittinggi City is very large, especially from the hotel and restaurant sector, but has not been fully explored optimally. Tax target setting is still fluctuating and does not fully reflect the real potential available. Factors that influence the success or achievement of targets include the level of taxpayer compliance, the quality of data collection, the tax administration system, as well as the influence of fiscal policy and local economic conditions. The optimization strategy implemented includes carrying out intensive outreach, developing a digital tax reporting system, updating and registering new data, as well as approaches that provide taxpayer education and awareness. This research recommends strengthening data, taking approaches with various agencies and maximizing tourism management to support a sustainable increase in Regional Original Income (PAD).
Abstract:This study aims to analyze the effect of Debt to Asset Ratio (DAR) and Long Term Debt to Equity Ratio (LTDTER) on Return on Investment (ROI) at PT Semen Indonesia (Persero) Tbk during the period 2016–2023. The method used…
sed is descriptive associative with a quantitative approach, using secondary data in the form of the company's quarterly financial reports obtained through purposive sampling techniques. The analytical tools used include Pearson Product Moment correlation analysis, coefficient of determination (R²), t-test and F-test, and multiple linear regression. The results of the study show that DAR has a negative correlation with ROI of -0.607, while LTDTER also shows a negative correlation of -0.478, both of which are included in the weak relationship category. The coefficient of determination value of 50.4% indicates that half of the variation in ROI can be explained by the two independent variables, while the remaining 49.6% is influenced by other factors outside the study. The F test shows that DAR and LTDTER simultaneously have a significant effect on ROI. This finding confirms that a high debt-based capital structure has a negative impact on investment returns, making it important for financial management to consider the efficiency of long-term debt use and total debt in long-term financial strategies.
Abstract:This study exemines the ability to use mind mapping in descriptive writing in grade eight junior high school. This study uses quantitative methods by dividing into two groups, namely the experimental group and the control…
l group. The experimental group is taught using mind mapping and the control group taught with the classical method. Data analysis is calculated using the t-test formula. The result showed that mind mapping method is effective in descriptive text writing. It can be proven in the result of the value of t = -4.982 with p-value = 0.000. So, it can be concluded that H₀ is rejected and H₁ is accepted. So, the use of mind mapping method is effective to help students think more creatively in descriptive writing.
Abstract:This study examines how emotions are expressed through language in Inside Out (2015) using Saussure’s semiotic theory. The research focuses on how dialogues spoken by Joy, Sadness, Fear, Disgust, and Anger function as signs…
signs that represent Riley’s emotional states. Using a qualitative descriptive method, the study analyzes the relationship between signifier (words and phrases used in dialogue) and signified (the intended emotional meaning). The findings indicate that emotions in the film are conveyed through specific verbal expressions, showing how language operates as a system of signs. This research contributes to the field of semiotics by providing insights into how words shape emotional meaning in animated storytelling.
Abstract:This research comprehensively examines the use of relative pronouns in English and their implications for language learning, both in academic and practical contexts. Relative pronouns such as who, whom, which, that, and…
whose are essential grammatical elements in complex sentence construction and play a vital role in producing cohesive writing. Through a methodological approach combining descriptive analysis, literature studies, and field research involving 100 English major students, this research investigates various aspects of relative pronoun usage, including grammatical functions, contexts of use, common error patterns, and effective learning strategies. Research findings reveal that 75% of learner difficulties are related to misunderstandings in distinguishing between the use of who and whom, as well as confusion in the placement of that and which. Further analysis shows a significant correlation between mastery of relative pronouns and academic writing ability. This research also identifies and proposes a series of innovative learning strategies, including contextual approaches and corpus-based learning, which have proven effective in improving the understanding and use of relative pronouns. These findings provide substantial contributions to the development of English language learning materials and offer practical implications for teachers in designing more effective teaching strategies for the topic of relative pronouns.
Abstract:This qualitative descriptive study investigated the impact of using board games into English vocabulary instruction for eleventh-grade students at MA Miftahul Ulum Bettet. Data were collected through classroom observations,…
ions, structured interviews with five students and the teacher, and document analysis (lesson plans, student reflections). Thematic analysis revealed that board games significantly enhanced student engagement and motivation, fostering collaborative learning and contextualized vocabulary acquisition. Students reported increased enjoyment and improved vocabulary retention compared to traditional methods. While challenges related to time management and instructional alignment were identified, the findings strongly suggest that board games offer a valuable and effective supplementary approach to vocabulary instruction, aligning with constructivist and experiential learning principles.
Abstract:School infrastructure management is a utilization process whose target is educational equipment, such as school equipment, library equipment, teaching media, and other equipment. Management of school equipment is realized…
d as a process consisting of certain systematic steps. Miracle Language Center is a garden house that was founded on February 2 2020 by a foundation body, namely the Diamond Family. The Miracle Language Center in Mueang, Narathiwat, Southern Thailand is home schooling. The facilities and infrastructure at the Miracle Language Center include a prayer room, library, men's dormitory, women's dormitory and toilets. This study uses a qualitative method. The qualitative method aims to describe data analysis in a narrative manner that emphasizes analysis or descriptiveness. Data collection was carried out using three data collection techniques, namely observation, interviews and documentation. Management of facilities and infrastructure is very important because by managing the facilities and infrastructure of educational institutions, their use will be maintained and clear. Here the researcher will describe the management of facilities and infrastructure at the Miracle Language Center, Narathiwat, Thailand. Starting from planning to eliminating existing educational facilities and infrastructure at the foundation
Abstract:Kepuasan pasien dalam pelayanan kesehatan sangat penting untuk diperhatikan karena dapat menggambarkan bagaimana kualitas pelayanan di tempat pelayanan kesehatan. Tujuan penelitian ini adalah untuk mengetahui gambaran kepuasan…
puasan pasien terhadap pelayanan kesehatan rawat jalan di puskesmas marga mulya tahun 2024. Jenis penelitian yang dilakukan yaitu penelitian kuantitatif dengan desain studi descriptive. Analisis data yang digunakan ialah uji univariat. Sebagian besar responden rawat jalan di Puskesmas Marga Mulya, pada penelitian ini terkait dimensi Tangibles (bukti fisik), 81 responden (73,6%) menyatakan puas, dan 29 responden (26,4%) menyatakan tidak puas. Pada dimensi Reliability (kehandalan), 46 responden (41,8%) menyatakan puas, dan 64 responden (58,2%) menyatakan tidak puas. pada dimensi Responsiveness (daya tanggap), 63 responden (57,3%) menyatakan puas, dan 47 responden (42,7%) menyatakan tidak puas. pada dimensi Assurance (jaminan), 60 responden (63,6%), dan 40 responden (36,6%) menyatakan tidak puas. pada dimensi Empathy (empati), 70 responden (54,5%), dan 50 responden (45,5%) menyatakan tidak puas. Sebagian besar responden/responden rawat jalan di Puskesmas Marga Mulya merasa puas pada dimensi assurance, dan terdapat beberapa responden/pasien merasa tidak puas pada dimensi realeability. Terkait dengan ketidakpuasan pada dimensi kehandalan, sebaiknya diberikan pelatihan terkait komunikasi efektif, serta training untuk meningkatkan skill karyawan yang fokus pada pengembangan keterampilan komunikasi pada pelanggan atau pasien.
Abstract:Primkoppol, a cooperative designed to serve the needs of its police members, plays a crucial role in enhancing member welfare through various programs and services. This study aims to analyze the management system implemented…
ented by Primkoppol and how this system contributes to the improvement of its members' welfare. Employing a descriptive analytical approach, this research delves into the organizational structure, operational mechanisms, and strategies adopted by Primkoppol in executing its functions and objectives. Focusing on the evaluation of management practices, including resource management, profit allocation, and member development programs, this study seeks to identify the keys to success and the challenges faced by Primkoppol in its efforts to enhance member welfare. This analysis is supplemented with secondary data and direct survey results from members to capture their perceptions and experiences regarding the effectiveness of the services provided by Primkoppol. The findings indicate that Primkoppol has implemented various positive initiatives oriented towards improving member welfare, including innovations in financial services, enhancement of product and service quality, and member capacity development through education and training. However, there is also room for improvement, especially in terms of enhancing management transparency, operational efficiency, and adaptation to digital technology. This study concludes that to continue improving its members' welfare, Primkoppol needs to further optimize an adaptive and responsive management system to environmental changes and member needs. Recommendations include improvements in two-way communication between management and members, integration of information technology, and strengthening of institutional capacity.