OJS INSTITUT AGAMA ISLAM SULTAN MUHAMMAD SYAFIUDDIN SAMBAS
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Analisis Kinerja Keuangan Pt Bank Syariah Indonesia Tbk Menggunakan Rasio Profitabilitas Tahun 2021-2023
Full text linkThe economy is currently one of the sectors experiencing rapid growth, with banking being one of its crucial components. According to the Republic of Indonesia's Law No. 21 of 2008, Islamic banking is defined as a bank that conducts its business activities based on sharia principles. To understand the dynamics of the Islamic banking industry, it is essential to conduct research on the financial performance of Islamic banks in Indonesia, based on profitability ratios. Analyzing trends and the elements influencing performance not only helps banks improve their operations but also supports regulators and other stakeholders in making better decisions to promote the growth of the Islamic banking industry.
This study aims to evaluate the financial performance of PT Bank Syariah Indonesia Tbk during the period from 2021 to 2023, based on profitability ratios. The method used is a quantitative approach with a descriptive research design, utilizing secondary data from annual reports and official financial statements published by PT Bank Syariah Indonesia Tbk and the Indonesia Stock Exchange (IDX).
The analysis results indicate that the financial performance of PT Bank Syariah Indonesia Tbk during 2021-2023 can be categorized as very healthy. Based on the Gross Profit Margin (GPM), the average was 23.6%, far exceeding Bank Indonesia’s profitability standard of 1.22%. From the perspective of Net Profit Margin (NPM), performance was also very positive, with an average NPM of 22.7%, surpassing the Bank Indonesia standard of 5%. In terms of asset efficiency, the Return on Assets (ROA) averaged 1.38%, slightly higher than Bank Indonesia’s standard of 1.25%, reflecting the bank's ability to manage its assets effectively. Meanwhile, the Return on Equity (ROE) averaged 13.17%, which was also above the Bank Indonesia standard of 12.5%, indicating a good return for shareholders.
Overall, the findings of this research show that the profitability ratios of PT Bank Syariah Indonesia Tbk during the 2021-2023 period were in a very healthy condition, with all profitability indicators exceeding the standards set by Bank Indonesi
METODE PENDIDIKAN AKHLAK ANAK MENURUT AL-GHAZALI DAN IBNU MASKAWAIH:: Kajian Kitab Ayyuhal Walad dan Tadzhib Al-Akhlak
Full text linkMoral education is a very important education because it not only teaches knowledge, but also forms a good personality in accordance with Islamic teachings to create individuals with noble character. Children's moral education has been discussed by two Muslim figures, namely Al-Ghazali and Ibn Maskawaih. The purpose of this study is to explain the methods of moral education according to al-Ghazali and Ibn Maskawaih; the study of the Ayyuhal Walad and Tadzhib Al-Akhlak books. The method used is a literature study, by collecting sources in the form of: the Ayyuhal Walad book, Tadzhib Al-Akhlak, books, journals, and other relevant sources. After the sources are collected, an analysis is carried out and conclusions are drawn. The results found are several methods of moral education explained by Al-Ghazali, namely: oral methods, stories, habits, and exemplary behavior. While the methods of moral education by Ibn Maskawaih are natural methods, guidance, habits and punishment. Both have similarities in several methods, namely: the habituation method to form good habits, Al-Ghazali's advice method and Ibn Maskawaih's natural method to teach moral values, as well as Al-Ghazali's exemplary method and Ibn Maskawaih's guidance method which emphasize the role of educators as good examples for children
PENINGKATAN HASIL BELAJAR FIQIH MATERI SHALAT SUNNAH RAWATIB MELALUI MODEL PEMBELAJARAN KOOPERATIF TIPE MAKE A MATCH
Full text linkPenelitian ini bertujuan untuk meningkatkan hasil belajar siswa pada mata pelajaran Fikih materi shalat sunnah rawatib melalui penerapan model pembelajaran kooperatif tipe Make A Match di kelas III MI Nurussa’adah. Metode penelitian yang digunakan adalah Penelitian Tindakan Kelas (PTK) model spiral Kurt Lewin yang dilaksanakan dalam dua siklus, masing-masing terdiri dari tahapan perencanaan, tindakan, observasi, dan refleksi. Data dikumpulkan melalui observasi, dokumentasi, dan tes hasil belajar, kemudian dianalisis secara deskriptif kuantitatif. Hasil penelitian menunjukkan bahwa pada pra siklus, hanya 32% siswa yang mencapai Kriteria Ketuntasan Minimal (KKM) dengan nilai rata-rata 57,4. Setelah penerapan model Make A Match, pada siklus I ketuntasan meningkat menjadi 64% dengan rata-rata nilai 71,4, dan pada siklus II mencapai 84% dengan rata-rata nilai 82,2. Aktivitas guru dan siswa juga mengalami peningkatan yang signifikan. Dengan demikian, penerapan model pembelajaran kooperatif tipe Make A Match terbukti efektif dalam meningkatkan hasil belajar dan keaktifan siswa pada pembelajaran Fikih di MI Nurussa’adah
Pelatihan Penyusunan Modul Ajar Berbasis Proyek bagi Guru SMA di Kawasan Perbatasan Indonesia – Malaysia
Full text linkAs a result of initial observations and interviews with high school principals in Sekayam District, there are still some teachers who have difficulties in implementing the independent curriculum and are not proficient in compiling PjBL modules, especially teachers in the Indonesia-Malaysia border area. Based on this phenomenon, the team agreed to conduct counseling activities on training on the preparation of project-based teaching modules for high school teachers in the Indonesia - Malaysia border area. The reason for the selection of high school teachers in border areas as targets for PKM activities is the lack of continuous training and assistance from the government and other parties so that the lack of teacher skills to adapt to changes in education policy. The method of implementing this PKM is in the form of counseling on the independent curriculum and the preparation of project-based learning modules. The results of the PKM show that participants have increased knowledge and have the initial ability to design project-based learning modules
Implementasi Peraturan Bupati mengenai Pengelolaan Sampah di Kecamatan Tekarang
Full text linkPenelitian ini membahas implementasi Peraturan Bupati Sambas Nomor 69 Tahun 2018 tentang Peraturan Bupati (Perbup) Kabupaten Sambas Nomor 69 Tahun 2018 tentang Kebijakan Dan Strategi Kabupaten Sambas Dalam Pengelolaan Sampah Rumah Tangga Dan Sampah Sejenis Sampah Rumah Tangga Tahun 2018-2025 di Kecamatan Tekarang, Kabupaten Sambas. Latar belakang penelitian ini adalah belum optimalnya pengelolaan sampah di wilayah tersebut, yang mendorong peneliti untuk menelaah lebih lanjut mengenai efektivitas pelaksanaan regulasi yang ada. Penelitian ini bertujuan untuk mengetahui bagaimana implementasi peraturan tersebut serta mengidentifikasi faktor pendukung dan penghambat dalam pelaksanaannya. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan normatif empiris. Sumber data primer diperoleh melalui wawancara dengan Camat Tekarang dan pejabat seksi kebersihan, sedangkan data sekunder berasal dari literatur, jurnal, dan peraturan perundang-undangan terkait. Teknik pengumpulan data meliputi observasi dan wawancara. Hasil penelitian menunjukkan bahwa implementasi Perbup No. 69 Tahun 2018 di Kecamatan Tekarang berjalan cukup baik. Pemerintah kecamatan telah berupaya melaksanakan peraturan secara aktif, termasuk mengajak partisipasi masyarakat melalui RT/RW dan kepala desa dalam menjaga kebersihan lingkungan serta menghindari pembuangan sampah sembarangan, termasuk ke sungai dan parit. Faktor pendukung utama adalah tingginya kesadaran dan partisipasi masyarakat dalam mengelola sampah secara mandiri. Namun demikian, faktor penghambat yang signifikan adalah keterbatasan sarana dan prasarana, terutama kurangnya fasilitas pendukung dan kendaraan pengangkut sampah yang menyebabkan penerapan prinsip 3R (Reduce, Reuse, Recycle) belum maksimal
Pengukuran Arah Kiblat di Rumah, Dusun Bindang RT3/RW2 Desa Kartiasa, Kecamatan Sambas, Kabupaten Sambas, Kalimatan Barat
Full text linkArah Kiblat merupakan aspek penting dalam ibadah umat Muslim. Penelitian ini bertujuan untuk mengukur arah kiblat di rumah saya yang terletak di Dusun Bindang RT 3/RW 2, Desa Kartiasa, Kecamatan Sambas, Kabupaten Sambas, Kalimantan Barat. Tujuan dari penelitian ini adalah untuk menilai akurasi arah kiblat menggunakan metode ilmiah dengan alat-alat sederhana dan berbasis android. Metode penelitian ini melibatkan pengukuran lapangan menggunakan kompas digital dan alat digital untuk menentukan sudut kiblat dari lokasi geografis rumah. Hasil penelitian menunjukkan bahwa arah kiblat di lokasi rumah sesuai dengan arah standar dalam praktik keagamaan Islam. Namun, ditemukan sedikit penyimpangan tergantung pada teknik dan alat pengukuran yang digunakan. Penelitian ini berkontribusi untuk memberikan pemahaman praktis tentang cara mengukur arah kiblat dengan akurat di daerah pedesaan, sehingga umat Muslim di daerah tersebut dapat melaksanakan ibadah dengan arah yang benar
The Implementation of Indonesian Realistic Mathematics Education (PMRI) on Learning Outcomes and Learning Activities in ZISWAF in Grade VIII of State Islamic Junior High School (MTsN) 2 Pontianak City
No full textThis study aims to analyze the extent of improvement in student learning outcomes through instruction that does not apply Indonesian Realistic Mathematics Education (PMRI) on ZISWAF material, the significance of learning outcome improvement through PMRI-based learning, the differences between both approaches, and the level of student activity in participating in PMRI-based learning in class VIII of Madrasah Tsanawiyah Negeri (MTsN) 2 Pontianak City. The research employed a quantitative approach with a True Experimental design, specifically using the Randomized Pretest-Posttest Control Group Design. Data were collected through indirect communication techniques using a learning activity questionnaire and through measurement techniques involving essay tests on ZISWAF material. The research sample consisted of students from classes VIII A and VIII B, selected randomly. The findings indicate that students' learning outcomes after receiving non-PMRI-based instruction showed improvement compared to their pretest scores. Furthermore, students who were taught using the PMRI approach exhibited significantly better learning outcomes than before treatment. A comparison between both groups revealed that students who received PMRI-based learning achieved higher posttest scores than those who did not. Additionally, as many as 24 students (67%) demonstrated high to moderate levels of learning activity during PMRI-based ZISWAF instruction. The implementation of PMRI in teaching ZISWAF significantly enhances both cognitive outcomes and student engagement. These findings support the integration of contextual and realistic mathematics learning in Islamic education to foster deeper understanding and active learning behavior
ANALISIS PENYALURAN BANTUAN PANGAN NON TUNAI (BPNT) UNTUK MENINGKATKAN KESEJAHTERAAN MASYARAKAT DALAM PERSPEKTIF EKONOMI ISLAM DI DESA BATU MAKJAGE
Full text linkABSTRACT
Non-Cash Food Assistance (BPNT) is assistance distributed in a non-cash form from the government, provided to Beneficiary Families (KPM) through an electronic account procedure that can only be used to purchase food items at E-Warong (Electronic Warong) every month. However, there is still a distribution of Non-Cash Food Assistance (BPNT) that has not been well-targeted; this is a problem that needs to be researched.
One of the poverty alleviation programs is the Non-Cash Food Assistance (BPNT) Program, in Batu Makjage Village, which is one of the places that has received this assistance since 2019. The purpose of this research is to analyze the distribution of Non-Cash Food Assistance (BPNT) in improving the welfare of the community in Batu Makjage Village.
The research method used in this study is a quantitative method, where the researcher directly went to the field; primary data was obtained from interviews, and secondary data was obtained from documentation data. The data collection methods used were interviews, observations, and documentation.
The results of this study show that the Non-Cash Food Assistance (BPNT) program in Batu Makjage Village has not been well implemented based on the achievement level of the 6T indicators, where the BPNT program in Batu Makjage Village can only meet 4 indicators, namely the right quantity, right price, right quality, and right administration. Furthermore, the BPNT program does not affect the welfare of the recipient families because this program can only reduce the expenditure costs of poor households in purchasing rice and eggs, so the money they have can be used for other needs.
From the perspective of Islamic economics, the distribution of Non-Cash Food Assistance (BPNT) is still less effective because this assistance program is still not well-targeted and there are still recipients of the Non-Cash Food Assistance (BPNT) who are not honest with the government in that they are already financially capable and no longer eligible to receive the assistance
Arah Baru dalam Memahami Hadis tentang Khitan Perempuan
Full text linkThis research aims to understand the hadiths discussing female circumcision from a historical perspective and the sciences (medicine). This approach is multidisciplinary, combining critical traditional methodology with anthropological, historical, and gender studies perspectives. This research systematically analyzes the chain of narrators (sanad) and content (matan) of key hadiths that are often potentially distorted, cultural biases, and the influence of socio-political interests at the time the hadiths were narrated and decodified. Furthermore, this research traces the historical roots of female circumcision practices in various ancient civilizations, including Egypt, Africa, and the Arabian Peninsula, to understand how this practice has evolved and adapted over time. A comparative analysis is conducted on the views of various schools of thought (mazhab) in Islamic jurisprudence (fiqh) regarding female circumcision, with the aim of uncovering interpretations and arguments that underlie these views. This study concludes that female circumcision in Islam is more appropriately understood as a cultural practice that has been Islamized, rather than a shar‘i obligation based on authentic hadith
Implementasi Kebijakan Rencana Penanggulangan Kemiskinan Daerah (RPKD) 2021-2026 di Kabupaten Kotawaringin Timur
Full text linkThis study aims to analyze the implementation of the Regional Poverty Alleviation Plan (RPKD) 2021-2026 in East Kotawaringin Regency. A descriptive qualitative approach was used, employing interviews with informants from local government agencies, community leaders, and program beneficiaries. The data analysis applied Grindle’s policy implementation model, which includes five aspects: interest affected, resources committed, benefit distributed, degree of change, and decision-making location. The findings indicate that the policy implementation involves cross-sector actors coordinated by the Regional Poverty Alleviation Coordination Team (TKPKD). However, challenges remain in data synchronization, the accuracy of aid targeting, and limited community participation. The data system has shifted to the more integrative Regsosek system, although community economic empowerment efforts are still suboptimal. This study recommends strengthening coordination, ensuring data transparency, and enhancing the capacity of village officials in designing poverty alleviation programs based on local needs