Abstract:The expansion of digital financial services has contributed to the increasing adoption of digital wallet applications such as OVO in community transaction activities. In this context, the decision to use an application is…
s determined not simply through system-related technical aspects, alongside psychological and operational considerations. This research focuses on examining the influence of the accounting information system quality, user trust, and service quality on the decision to use the OVO application in Surabaya City. Primary data were used in this study, which employed a quantitative approach. Purposive sampling was applied to obtain 100 respondents. The data were gathered through online questionnaires distributed via Google Forms to OVO users in Surabaya City and then analyzed using SPSS Statistics 26. This study involved respondents who were users of the OVO e-wallet in Surabaya City. The results demonstrate that the quality of the accounting information system, user trust, and service quality contribute positively to the decision to use the OVO application in Surabaya City. The use decision regarding the OVO application in Surabaya City is driven by the interplay of sound system quality, strong user trust, and sufficient service quality.
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:This study aims to measure and analyze the financial performance of PT. Bank Rakyat Indonesia Persero Tbk. The data used is secondary data and uses data collection methods, namely documentation techniques. The data used…
in this study is the financial report data of PT. Bank Rakyat Indonesia Persero Tbk which is reported to Bank Indonesia and has been published by the Indonesia Stock Exchange. Based on the results of the data analysis, it is concluded that CAMEL is an analysis of the soundness of a bank using the CAR ratio on capital, the KAP ratio on Asset Quality, the NPM ratio on Management, the ROA and BOPO ratios on Profitability, and the LDR ratio on Liquidity. From the results of research on financial performance and its relation to financial ratios using the CAMEL method, then it can be said that during the last four years (2017-2020) which shows that the financial performance achieved by PT. Bank Rakyat Indonesia Persero Tbk, is in the healthy category.
Abstract:This study aims to determine the financial performance of PT. Bank Sulselbar from 2015 to 2021 using the CAMEL method, to see if PT. Bank Sulselbar is in a healthy or unhealthy predicate. This type of research is a quantitative…
itative descriptive research. The sample used in this study is the financial statements of PT. Bank Sulselbar for the 2015-2021 period. Data collection used documentation techniques. The data analysis used is the CAMEL analysis set by Bank Indonesia. The results of this study indicate that the health level of PT. Bank Sulselbar for the 2015 to 2021 period is in the healthy predicate. This can be seen from the results of research on the CAMEL aspect for the last 7 years 2015-2021 consecutively for 2015 it was 71.62, in 2016 it was 77.28, in 2017 it was 70.66, in 2018 it was 70.90, in 2018 it was 70.90. In 2019 it was 69.70, in 2020 it was 69.53, and in 2021 it was 69.87. Based on the provisions of Bank Indonesia regarding the criteria for assessing the soundness of a bank, PT. Bank Sulselbar is in the interval 66-<81 with the Healthy Enough predicate for 2015-2021.
Abstract:Audio feedback atau biasa di kenal dengan dengung, baik pada frekuensi rendah maupun pada frekuensi tinggi merupakan permasalahan serius pada tata suara di masjid. Audio feedback yang terjadi di masjid dapat mengganggu…
kekhusu’an jemaah saat sholat 5 waktu. Program Kemitraan Masyarakat (PKM) ini bertujuan untuk meningkatkan kualitas ibadah jamaah Masjid Baitul Muttaqin Pisangan terutama sholat 5 waktu, melalui penerapan Digital Loudspeaker Management System (DLMS) dan equalizer 31 kanal sebagai kontrol speaker monitor Imam. Peralatan ini digunakan untuk mengatasi masalah audio feedback, menjaga kestabilan level output dari audio mixer, dan meningkatkan kejernihan suara pada speaker utama maupun speaker monitor imam. Dalam implementasinya, fitur-fitur seperti digital equalizer, compressor, limiter, dan crossover pada DLMS dimanfaatkan secara optimal. Setting equalizer dilakukan mengikuti panduan vocal equalizer cheat sheet guna mengurangi frekuensi penyebab feedback. Dari hasil setting perangkat DLMS dan Equalizer di dapatkan hasil di masjid, audio feedback/ dengung sudah tidak terjadi lagi. Hal ini menyebabkan jemaah masjid yang sholat 5 waktu sudah tidak terganggu dengan suara dengung atau audio feedback. Hal ini meningkatkan kualitas ibadah jamaah masjid Baitul Muttaqin Pisangan.
Abstract:This article examines the role of environmental law as a key instrument in sustainable tourism development in South Lampung Regency. Tourism significantly contributes to regional economic growth through increased investment,…
ent, employment opportunities, and community welfare. However, the development of this sector is often accompanied by environmental degradation due to weak ecologically sound management. This research uses normative legal methods with legislative, conceptual, and comparative legal approaches to analyze the role of environmental law as an instrument for realizing sustainable tourism in South Lampung.
The research method used in this study is a qualitative approach with a library research method with a normative legal approach. This research is qualitative normative, which emphasizes the analysis of legal norms. Data collection techniques are carried out through documentation analysis by identifying, reviewing, and interpreting legal sources, relevant literature, legal sources used include, Books, Law Number 32 of 2009 concerning environmental protection and management, Law Number 10 of 2009 concerning Tourism, and Government Regulation Number 27 of 2012 concerning Environmental Permits. Then a descriptive-analytical and thematic analysis is carried out, by grouping data into main themes and then drawing conclusions from a general to specific problem, in this case regarding Environmental Law as an Instrument for Realizing Sustainable Tourism in South Lampung.
The results of this study indicate that environmental law plays a fundamental role as a controlling instrument in realizing sustainable tourism in South Lampung Regency. Through the implementation of legal instruments such as environmental impact analysis (EIA), environmental permits, the precautionary principle, and the enforcement of legal sanctions, tourism activities can be directed to prevent ecosystem damage.
Abstract:This study examines the multimodality elements in the film My Annoying Brother by Dinna Jasanti using a digital distribution approach to understand how visual, auditory, and verbal elements interact to form narrative meaning.…
ning. The purpose of this study is to identify the influence of digital distribution on the audience experience and how multimodal elements are delivered through digital platforms. Using a descriptive qualitative analysis method, data were collected through direct observation of the film and analysis of the elements that make up the film. The results show that the film utilizes visual elements such as image composition and color, auditory elements such as music and sound effects, and in-depth dialogue to develop characters and narratives. In addition, digital distribution through streaming platforms gives the audience greater control over the viewing experience, allowing them to engage more deeply with the film. This study provides new insights into the influence of digital distribution on how multimodal elements are received by the audience, as well as its contribution to the study of multimodality in film.
Abstract:Elementary education requires coherent integration of learning theories, subject-specific teaching methods, and sound assessment practices to support students’ holistic development. This study aims to examine the implementation…
mentation of learning theories and instructional methods across multiple subject areas, including basic legal awareness, listening skills in language learning, mathematics learning methodology, elementary school mathematics, educational assessment, and educational evaluation. The research employed a descriptive qualitative approach and was conducted at SD Negeri No. 101390 Batang Pane-I, Desa Batang Pane-I. Data were collected through classroom observations, semi-structured interviews with teachers, and documentation analysis. The findings indicate that student-centered and contextual teaching methods grounded in constructivist learning theory enhance student engagement and conceptual understanding across subjects. Moreover, formative assessment and reflective evaluation practices play a crucial role in improving instructional quality and learning outcomes. The study highlights the importance of integrating pedagogical theory, subject methodology, and assessment as a unified framework for effective elementary education.
Abstract:Education is a fundamental pillar in shaping a superior and character-driven generation, with boarding schools providing a unique 24-hour integrated learning and living environment that acts in loco parentis. This study…
examines the implementation of service quality in Islamic boarding schools in the Riau Islands Province and its influence on academic achievement, focusing on SMPIT Assakinah Tanjung Pinang, SMPS Al-Himmah Karimun, and SMP BP Tahfidz Attaubah Batam. Service quality in this context is defined as a student-centered paradigm that integrates academic, pastoral, and social dimensions. Drawing on perspectives from Crosby, Sallis, and Brewster, quality is measured by responsiveness to needs, continuous improvement, and the integration of academic rigor, pastoral care, and co-curricular enrichment. Academic achievement, as described by Bloom, is shaped by cognitive, affective, and environmental factors, where the structured environment of boarding schools can maximize outcomes. This research employed a qualitative case study approach with data gathered through observation, interviews, and documentation, analyzed using an interactive model. Findings reveal that service quality is implemented through four stages: (1) conceptualization with a vision integrating national and diniyah curricula; (2) implementation involving active learning, dormitory services, extracurricular programs, and Islamic character building; (3) improvement via SWOT-based evaluation, facility upgrades, teacher development, and digitalization; and (4) continuous evaluation for relevance and effectiveness. The study concludes that comprehensive, integrated service quality is a decisive factor for success in boarding schools. Effective service quality fosters both academic achievement and the development of religious, independent, and morally sound students. By applying Total Quality Management principles, Islamic boarding schools can establish an optimal educational ecosystem, producing a superior and globally competitive generation rooted in Islamic values.
Abstract:Language is a system of sound symbols used by humans to interact in social life. Language has sentence elements, which consist of “Subject, Predicate, Object, and Complement”. The objectives of the study consisted of two…
of two parts. 1) to record transitive and intransitive verb sentences in the Lani Language of Tolikara Regency, 2) to describe the form of transitive and intransitive verb sentence structures in the Lani Language of Tolikara Regency. The method used in this study is descriptive. Descriptive research is conducted to describe the level of analysis, namely, analyzing and presenting facts systematically, so that they can be better understood and concluded. The researcher used an informant, the Chief of the Tribe "Yumiles Yikwa" to obtain data in the Lani Language. Based on the data analysis, it can be concluded that the structure of transitive and intransitive verbs is different in the Lani Language and Indonesian. Generally, the Lani Language Structure containing verbs is usually located at the end of the sentence "Subject + Object + Predicate + Complement", which in Indonesian should have the pattern "Subject + Predicate + Object + Complement".