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The influence of green banking, credit risk, and operational efficiency on the financial performance of conventional banks in 2020-2023
No full textThis research endeavor is directed toward assessing the impact of Green Banking, Credit Risk, and Operational Efficiency on the Financial Performance of conventional banks in Indonesia in 2020-2023. Green banking was evaluated through the Green Banking Disclosure Index (GBDI), credit risk was represented by the Non-Performing Loan (NPL) ratio, the BOPO ratio indicated operational efficiency, and financial performance was assessed using Return on Assets (ROA). This research adopts a quantitative methodology utilizing pre-existing datasets derived from the annual financial statements of banks listed in collaboration with the Financial Services Regulatory Authority (OJK). The analysis employed panel data regression models executed via EViews software. Empirical findings reveal that green banking exerts a marginally significant influence on financial performance, whereas credit risk does not demonstrate a statistically meaningful relationship. Conversely, operational efficiency exhibits a significant inverse association with financial performance. The independent variables account for 73% of the heterogeneity observed in financial performance, as represented by the recalibrated coefficient of determination. These outcomes underscore the critical role of enhancing cost-efficiency strategies and advancing environmental banking initiatives to foster long-term financial sustainability within the banking sector
Isolasi dan identifikasi bakteri penghasil enzim selulase dari limbah cair pabrik minyak sawit (sertifikat hak cipta)
No full textLimbah pabrik minyak sawit atau Palm Oil Mill Effluent (POME) memiliki kandungan bahan organik dan total padatan tersuspensi yang tinggi. Limbah cair pabrik kelapa sawit berwarna kecoklatan, terdiri dari padatan terlarut dan tersuspensi (lemak, protein, selulosa). Limbah tersebut apabila langsung dibuang ke lingkungan atau pengolahannya secara tidak tepat dapat membahayakan kesehatan manusia dan menyebabkan kerusakan lingkungan. Hal ini karena limbah pabrik minyak sawit bersifat toksik dan karsinogenik. Selulase merupakan kelompok enzim hidrolitik yang mampu menghidrolisis selulosa menjadi gula yang lebih sederhana. Bakteri penghasil enzim selulase dapat diaplikasikan di berbagai bidang, salah satunya bioremidiasi limbah organik. Tujuan penelitian ini adalah untuk mengisolasi dan mengidentifikasi bakteri penghasil enzim selulase dari limbah cair pabrik minyak sawit. Tahapan penelitian meliputi isolasi dan skrining bakteri penghasil enzim selulase, identifikasi morfologi bakteri, biokimia dan molekuler. Hasil penelitian didapatkan 4 isolat bakteri yang berhasil diisolasi pada media CMC (Carboxymethyl Cellulase), 1 isolat memiliki kemampuan menghidrolisis substrat selulosa paling tinggi yang ditandai dengan adanya zona bening di sekitar koloni setelah dilakukan pewarnaan dengan Congo Red sebesar 7,18 mm. Berdasarkan hasil identifikasi morfologi (makroskopis dan mikroskopis), biokimia, dan molekuler, isolat bakteri yang potensial diidentifikasi sebagai spesies Pseudomonas aeruginosa
Faktor-faktor penentu perilaku mahasiswa muslim dalam ber-infaq via platform online (sertifikat hak cipta)
No full textMenganalisis niat perilaku mahasiswa muslim yang melakukan infaq menggunakan platform online. Responden penelitian 306 mahasiswa yang telah melakukan pembayaran infaq secara online. Model perilaku berorientasi tujuan (MBG) yang diperluas untuk memprediksi niat perilaku dalam menggunakan teknologi baru. Tehnik pemodelan menggunakan SEM hasil yang didapat bahwa FRE, PAE, PBC REL dan SUB merupakan prediktor keinginan untuk infaq online (DES) dikalangan mahasiswa. DES, FRES, PBC dan REL merupakan prediktor untuk niat perilaku (INT) mahasiswa muslim untuk berdonaasi online. Sebaliknya ATT dan NAE tidak memprediksi keinginan untuk berinfaq. Studi ini menawarkan wawasan pengembangan teoritis dan manajerial yang komprehensif bagi akademisi dan pengelola patform infaq online
Surat pencatatan ciptaan-Fotodegradasi Remazol Brilliant Blue R menggunakan karbon dari tempurung kelapa sawit sebagai material pendukung ZnO (sertifikat hak cipta)
No full textIndonesia penghasil kelapa sawit terbanyak di dunia. Pengolahan kelapa sawit menghasilkan
limbah tempurung kelapa sawit yang dapat diolah menjadi karbon aktif. Karbon aktif dapat
digunakan sebagai material pendukung fotokatalis ZnO untuk fotodegradasi limbah zat warna,
seperti Remazol Brilliant Blue R (RBBR), yang sering ditemukan pada limbah cair industri
tekstil. Penelitian ini bertujuan untuk mensintesis ZnO/karbon aktif tempurung kelapa sawit
(ZnO/KA) menggunakan metode impregnasi dengan berbagai variasi konsentrasi ZnO, serta
mengoptimalkan kondisi untuk mendegradasi RBBR. Karakterisasi dilakukan menggunakan
XRD, XRF dan SEM-EDX serta aktivitas fotodegradasi diuji dengan UV-Vis
spektrofotometer. Variasi yang diuji meliputi konsentrasi ZnO (10%, 15%, dan 20%), massa
ZnO/KA (50–150 mg), waktu penyinaran (60–180 menit), dan konsentrasi RBBR (5–20 ppm).
Penelitian ini memberikan pengetahuan baru mengenai pemanfaatan limbah tempurung kelapa
sawit sebagai material pendukung dalam teknologi fotokatalis untuk mengatasi limbah tekstil,
sehingga berkontribusi pada pengelolaan lingkungan yang berkelanjutan
Emotional labor of early childhood educators: Relationships with students and parents
Full text linkThis study examines the emotional labor of early childhood educators and its relationship with interactions involving children and parents, with a focus on emotional regulation and demographic influences. This study aimed to investigate the impact of emotional regulation strategies and demographic variables on educators’ emotional well-being during professional interactions. A quantitative approach was adopted, with data collected through structured questionnaires. The analysis concentrated on emotion suppression and surface acting in relation to well-being. Results indicated that teachers experienced considerable emotional burden, with emotion suppression being more prevalent than surface acting, particularly in interactions with parents. Fifty-three percent of educators reported a high emotional burden in parent-related suppression, compared to 38% in interactions with children. Additionally, 38% reported high suppression in self-regulation, while 29% experienced no burden from surface acting. Emotion suppression in parent interactions had the most significant impact on well-being (standardized coefficient = 0.4044, p < .001), followed by education level (coefficient = 0.1646, p < .001). Factors such as generation, teaching experience, salary, and certification were not statistically significant. The model explained 18.7% of the variance in emotional well-being. These findings align with existing literature that highlights the emotional burden of teaching and the psychological toll of unaddressed regulation challenges. Therefore, culturally and contextually appropriate suppression-management training, together with enhanced institutional support, is essential to reduce the emotional burden on Indonesian early childhood educators
Ecolinguistic study of the IKN discourse in global and national news media
No full textThis study aims to examine how news outlets construct discourse about Indonesia’s new capital (IKN) in North Penajam Paser, East Kalimantan. The researchers employed Stibbe's (2015) ecolinguistic framework. The problem lies in the contrasting views between stakeholders and indigenous communities of East Kalimantan toward such development. Therefore, this study bridges the gap by discovering how both parties defend their stances: “Is IKN an ideal project or not?” This study adopted a textual analysis technique, with relevant data collected from Al Jazeera, CNN, and Tempo.co between January 18, 2022, and March 19, 2025. The researchers used a note-taking technique and mapped each text onto Stibbe's (2015) ecolinguistic stories of ideology, framing, evaluation, and identity. Furthermore, the researchers classified each text based on modal verbs such as “should,” “must,” and “will,” adjectives such as “good” or “bad,” and phrasal nouns such as “environmental activists.” The results show that the story of evaluation appears more frequently, accentuating people’s negative responses, evidenced by terms such as “haunting,” “miserable lives,” and “shrinking.” The researchers affirm that the news media tend to report narratives of a conflict between neoliberal agendas (the government) and ecological sustainability (indigenous tribes of East Kalimantan)
Teori-teori Pembangunan Ekonomi
No full textPertumbuhan ekonomi diartikan sebagai proses peningkatan kekayaan suatu negara seiring waktu. Dalam konteks teori ekonomi, hal ini biasanya mengacu pada peningkatan produksi barang dan jasa pada kurun waktu tertentu yang berimplikasi pada peningkatan kekayaan di suatu negara. Proses pertumbuhan yang diiringi dengan transformasi ekonomi dari tradisional menuju modern dan terindustrialisasi digambarkan sebagai Pembangunan Ekonomi
Mental Health from Al-Ghazali's Perspective
No full textAl-Ghazali defines mental health as a harmony between mental and physical functions characterised by a person's ability to adapt to their environment. This theme is an important study because it reveals the concept of mental health from one of the Islamic figures, namely Al-Ghazali. The purpose of this study is to examine and explore the understanding related to mental psychology expressed by Al-Ghazali. The method used in this study is library research or literature study by utilising content analysis to identify patterns, themes or concepts contained in the content. The results of this study show several points, namely (1) The soul is defined by Al-Ghazali as a subtle and single spiritual substance that is not divided, or commonly called Al-Nafs. (2) Al-Ghazali categorises a healthy soul as one that can be characterised by a strong model of faith, freedom from heart disease, noble morals, good social relationships, and the achievement of happiness in this world and the hereafter. (3) Al-Ghazali also explains the efforts required to achieve peace and happiness in order to attain true mental health. These efforts can take the form of mujahadah or sincere efforts in the form of dhikr, worship and good deeds, riyadlah or spiritual training in the form of restraining lust and guarding the tongue, and also tazkiyatun nafs or purification of the soul which is divided into three stages, namely takhalli, tahalli, and tajalli
Ungkapan Populer Berbahasa Arab dalam Penulisan Karya Ilmiah
No full textMenulis karya ilmiah berbahasa Arab sering kali menjadi tantangan besar bagi mahasiswa dan akademisi — bukan karena kurangnya ide, melainkan karena sulitnya menemukan ungkapan ilmiah yang tepat dan alami sesuai kaidah penulisan Arab. Buku “Ungkapan Populer dalam Penulisan Karya Ilmiah Berbahasa Arab” hadir sebagai solusi praktis untuk mengatasi kesulitan itu. Disusun secara sistematis, buku ini memuat ratusan ungkapan baku(الشـــــــــائعةالع�ارات)yangbiasadigunakandalammakalah,skripsi, tesis, dan disertasi berbahasa Arab. Setiap ungkapan dilengkapi dengan terjemahan, konteks penggunaan, serta contoh aplikatif, sehingga pembaca tidak hanya memahami arti, tetapi juga mampu menerapkannya dengan benar dalam karya tulis ilmiah.
Lebih dari sekadar kamus ungkapan, buku ini juga mengajarkan bagaimana ungkapan-ungkapan tersebut membentuk kohesi dan koherensi dalam tulisan, memperkuat argumentasi, dan meningkatkan kredibilitas akademik penulis. Dengan pendekatan yang sederhana namun ilmiah, buku ini menjadi panduan wajib bagi mahasiswa, dosen, peneliti, dan siapa pun yang ingin menulis karya ilmiah Arab dengan gaya yang profesional, elegan, dan komunikatif
Mechanism of place attachment disruption impacted by Urban Development in Peripheral Settlements: An experimental study using Within-Subject Design
No full textAs urban development rapidly transforms cityscapes, peripheral settlements on the outskirts face challenges in maintaining attachment to their places. This study not only confirmatory on it but also adds details to the mechanisms of disruption. We conducted within-subject design experiments with 256 residents from two inner-city peripheral communities in Malang, Indonesia. They imagined scenarios of urban development affecting their communities, which is formal housing, new city streets, loss of public spaces, and loss of trees. All scenarios significantly reduced place attachment. Emerging city streets had the least impact, while formal housing was as detrimental as losing open spaces and trees. Analyzing place attachment dimensions, we found dependence played the most significant role in preserving attachment, while affection had the most disruptive effect. Regression analysis using SEM showed a positive relationship between pre-disrupted and disrupted place attachment, offering systematic insights into the impact of urban development on peripheral place attachment through within-subject design experimental manipulation