E-Journal UIN Mahmud Yunus Batusangkar
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Financing Process Analysis of Bank Nagari Syariah and BPRS in West Sumatra: Precautionary Principle Implementation
Full text linkThis study aims to analyze the financing implementation process at Bank Nagari Syariah and Sharia Rural Banks (BPRS) in West Sumatra, focusing on the application of the precautionary principle. This research employs a descriptive qualitative method, with data collected through in-depth interviews, document analysis, and direct observation of eight BPRS: PT BPRS Mentari Saiyo, PT BPRS Haji Miskin, PT BPRS Carana Kiat Andalas Bukittinggi, PT BPRS Ampek Angkek Canduang, PT BPRS Almakmur Payakumbuh, PT BPRS Sungai Puar Syariah, PT BPRS Barakah Nawaitul Ikhlas Solok, and PT BPRS Gajah Nan Tongga Sawah Lunto. The data were analyzed thematically, focusing on the implementation of the 6C and 5C assessment methods. The findings reveal that Bank Nagari Syariah and BPRS consistently apply the precautionary principle to mitigate the risk of default. This study implies the need to strengthen risk assessment systems based on sharia principles to improve financing asset quality and enhance customer trust in sharia bankin
The Impact of Capital Adequacy, Financing Risk, and Profitability on the Market Share of Islamic Banks in Indonesia
Full text linkThis study aims to analyze the effect of the Capital Adequacy Ratio, Net Non-Performing Financing, and Return on Assets on the market share of Islamic Commercial Banks in Indonesia. Market share is measured as the percentage of Islamic Commercial Banks assets relative to total national banking assets. The study employs a quantitative approach using multiple linear regression analysis with quarterly aggregate data of Islamic Commercial Banks from Q1 2010 to Q4 2024. Data were obtained from the Islamic Banking Statistics published by the Financial Services Authority. The results reveal that Capital Adequacy Ratio and Net Non-Performing Financing significantly influence market share, while Return on Assets does not. Simultaneously, the three variables significantly affect market share with a coefficient of determination of 70.4%. These findings highlight that capital adequacy and financing quality are the primary factors driving the competitiveness of BUS, while profitability Return on Assets does not have a direct impact on market share expansio
Pengaruh Reward dan Punishment terhadap Kinerja Karyawan Bank Syariah di Sumatera Barat
Full text linkThis study aims to analyze the effect of reward and punishment on the performance of Islamic bank employees in West Sumatra. Reward is measured through job promotion and bonus, while punishment is measured through demotion and mutation. This research employed a quantitative approach using a survey method with questionnaires distributed to employees of Islamic banks in West Sumatra. The data were analyzed using multiple linear regression. The findings reveal that job promotion, bonus, and demotion have a positive and significant effect on employee performance, while mutation does not have a significant effect. Simultaneously, reward and punishment significantly influence employee performance. These results highlight the importance of implementing a transparent and fair reward and punishment system to improve employee performance in Islamic banking institutions. The implication of this study suggests that Islamic banks should strengthen policies related to promotion and bonus distribution, while carefully reviewing the effectiveness of employee mutation to avoid potential negative impacts on performance. In addition, the findings provide academic insight into human resource management practices within Islamic banking and can serve as a reference for future researc
Upaya Pengumpulan Zakat Perkebunan Kelapa Sawit oleh BAZNAS Kabupaten Dharmasraya di Nagari Sitiung
No full textThe potential for zakat in Dharmasraya Regency is very large, especially from the oil palm plantation sector which dominates the regional economy. However, zakat collection from this sector is not optimal, especially in Nagari Sitiung, Sitiung District, which has around 402 oil palm farmers with a land area of 2,375 hectares. One of the challenges faced is the lack of understanding and lack of data collection regarding zakat obligations among oil palm farmers. This research aims to analyze the potential for zakat that can be collected from the oil palm plantation sector in Nagari Sitiung and identify the efforts made by the Dharmasraya Regency National Zakat Amil Agency (BAZNAS) in maximizing zakat collection from the oil palm plantation sector. This research uses a qualitative descriptive approach with field research methods, which involves interviews with oil palm farmers and BAZNAS amil Dharmasraya Regency, as well as documentation related to zakat potential and data on oil palm plantations in Nagari Sitiung. The data analysis techniques used include data reduction, data presentation, and drawing conclusions. Source and method triangulation techniques are used to verify the validity of the data. The research results show that the zakat potential from the oil palm plantation sector in Nagari Sitiung reaches around IDR 1,953,213,750 per year, with around 68% of farmers meeting the requirements to pay zakat. BAZNAS Dharmasraya Regency has made various efforts to maximize zakat collection, both through direct approaches (socialization, formation of UPZ, and religious studies) and indirectly (the "One Bunch of Palm Oil for the Poor" program and the use of social media). Even though these efforts have been made, several obstacles, such as limited human resources and facilities, are still challenges in expanding zakat collection from the palm oil sector
Implementation of the Smart School Awards (SSA) Program Management in Improving the Quality of Education in Secondary Schools
Full text linkThis study aims to analyze school management strategies in enhancing educational quality through participation in the 2023 Smart School Awards (SSA) at SMP Ar Rahman. Utilizing a descriptive qualitative approach, data were collected through observations, interviews, and document analysis. The data sources included the school principal, teacher representatives, students, and parents. The findings indicate that structured and collaborative school management significantly contributed to the school's success in obtaining the 2023 Smart School Award in the Healthy and Safe School category. These results underscore the importance of effective leadership and collective stakeholder engagement in improving educational quality through performance-based school award programs.┬á┬
Challenges in Implementing the Merdeka Curriculum in Early Childhood Education: A Case Study in Kindergarten
No full textThe Merdeka Curriculum in Indonesia offers flexibility in the implementation of learning; however, its application at the Early Childhood Education (PAUD) level faces various challenges. This study aims to describe the implementation of the Merdeka Curriculum at TK Andi Bintang, Palopo City, highlighting the challenges encountered during its execution. A qualitative descriptive approach was employed, with data collected through observations, interviews, and documentation. The collected data were analyzed using thematic analysis techniques. The findings indicate that despite the curriculum's implementation, significant challenges persist, including limited resources, inadequate facilities, insufficient teacher understanding of the curriculum, and low parental involvement in the learning process. These challenges impact the effectiveness of the curriculum implementation, although the potential for children's development remains evident if these issues are addressed. The study emphasizes the need for further efforts to enhance teachers' understanding, improve facilities, and strengthen parental support in children's learning.
Overcoming Difficult Science Topics through Alternative Media in Elementary Education
Full text linkTwenty-first century education demands deep conceptual understanding and applied abilities to address the challenges of modern learning. This study aims to identify the main difficulties faced by elementary school students in science subjects and propose relevant solution strategies to enhance learning effectiveness. Employing a mixed-method approach, the research integrates quantitative and qualitative analyses gathered from two IPAS teachers and thirty sixth-grade students through questionnaires, interviews, and observations. Results reveal that two topics ÔÇ£LetÔÇÖs Get to Know Our EarthÔÇØ (63.33%) and ÔÇ£Harmony in LifeÔÇØ (36.66%) are the most challenging, significantly affecting student engagement and comprehension during lessons. Various solution strategies, including the use of Canva media, spinning earth surface visualizations, LKPD worksheets, 3D sociodrama, and interactive animation videos, have demonstrably improved studentsÔÇÖ conceptual understanding and active participation. These findings highlight the importance of innovative media and contextual strategies in supporting more effective and meaningful science learning at the elementary level
Interactive E-Book Media Development for Enhancing Learning Outcomes in Akidah Akhlak Education in The 5.0 Era
Full text linkThis study aims to develop an interactive e-book based on the Book Creator application to improve student learning outcomes in the subject of Akidah Akhlak in grade II at Siti Aminah Elementary School in Surabaya. The main problems are the suboptimal use of technology in learning and low student interest in learning. This study employs the Research and Development model ADDIE, which includes analysis, design, development, implementation, and evaluation. The instruments used include validation sheets, learning outcome tests, and practicality questionnaires. The validation results indicate that the interactive e-book is highly valid, with an average percentage exceeding 90%. The validation results showed that the e-book is highly valid with an average percentage 91,61%. The trial results indicated a significant improvement in learning outcomes with a high effectiveness category (N-Gain > 0.7). The e-book was also deemed highly practical by both teachers and students. In conclusion, the interactive e-book is effective and suitable for use in learning. It is recommended that teachers continue to innovate with interactive learning technology to enhance the quality of education
Exploring Early Childhood TeacherÔÇÖs Understanding of Numeracy Literacy at Raudhatul Athfal
No full textEarly childhood numeracy skills are important competencies for children, because these skills not only include problem-solving skills but also the application of mathematical concepts in everyday life. This study aims to explore teachers' understanding of numeracy literacy learning in early childhood at Raudhatul Athfal. This study uses a descriptive qualitative approach, the collection method uses semi-structured interviews developed based on PAUD teacher competency indicators and observations are carried out in a participatory manner using observation sheets containing indicators of literacy and numeracy learning activities. The analysis process begins with reducing data from the interview results to simplify the data so that it is easy to understand and analyze. Furthermore, the coding process is carried out to classify the data into main themes, then represent patterns in teacher perceptions and practices in literacy and numeracy learning. To ensure data validity, researchers apply data triangulation and checking with colleagues. The results of the study indicate that teachers do not yet have adequate competence in teaching literacy and numeracy. There are still challenges in its implementation, such as providing ongoing training, linearizing academic degrees in early childhood education, and facilities and infrastructure in improving teacher quality and learning in the classroom
Development of Digital Learning Materials to Foster Mutual Cooperation in Early Childhood through the Pancasila Student Profile Project
No full textDigital technology has increasingly become integrated into early childhood education, offering new opportunities to support learning and development. This study aimed to develop digital learning materials focused on the value of mutual cooperation as part of the Pancasila Student Profile Project (P5) in kindergarten. The research employed the ADDIE development model, consisting of five stages: Analysis, Design, Development, Implementation, and Evaluation. The study involved 30 children aged 4-5 years and four teachers who facilitated the use of the digital materials. Data were collected through questionnaires, interviews, and observations. The validity test yielded a score of 2.87, classified as valid. Practicality analysis based on teacher response questionnaires reached 98.75%, indicating a strongly agree category. Effectiveness was assessed through childrens final performance, showing that the digital materials effectively instilled mutual cooperation values and increased children's engagement in digital-based learning. These findings suggest that the developed digital learning materials are a feasible and impactful resource for promoting character values and active participation in early childhood education.