Griya Jurnal UIN Prof. K.H. Saifuddin Zuhri Purwokerto
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Analisis Prediksi Kondisi Financial Distress Pada PT Bank Muamalat Indonesia, Tbk Periode 2019-2023
No full textKesulitan keuangan adalah kondisi kritis yang harus disadari dan diantisipasi oleh setiap perusahaan. Risiko kesulitan keuangan dapat dikurangi sejak dini dengan memprediksinya melalui analisis laporan keuangan perusahaan. Studi ini didorong oleh penurunan beberapa rasio keuangan, pengurangan jumlah kantor layanan dari tahun 2019 hingga 2023, dan implementasi langkah-langkah penyelamatan karena keterbatasan modal Bank Muamalat, yang menggarisbawahi kebutuhan bagi BMI untuk meningkatkan kinerja keuangannya dan mengambil tindakan preventif terhadap potensi kesulitan keuangan.
Tujuan penelitian ini adalah untuk menguji bagaimana kesulitan keuangan dapat diprediksi menggunakan model Zmijewski, model Modified Altman Z-Score, dan model Springate dalam menilai kondisi keuangan Bank Muamalat Indonesia. Studi kuantitatif deskriptif ini menggunakan data sekunder dan menerapkan model prediksi kesulitan keuangan, yaitu Zmijewski\u27s X-Score, Modified Altman Z-Score, dan Springate\u27s S-Score. Populasi dan sampel terdiri dari laporan keuangan Bank Muamalat Indonesia untuk periode 2019–2023.
Temuan ini mengungkapkan bahwa, berdasarkan metode Zmijewski, BMI diprediksi tidak akan mengalami kesulitan keuangan selama periode 2019–2023 karena skor X-nya kurang dari nol. Sebaliknya, metode Modified Altman Z-Score menunjukkan bahwa pada tahun 2019 dan 2020, BMI berada di area abu-abu karena nilainya berada diantara 1,1< Z < 2,6. Keadaan ini mengindikasikan ketidakpastian, dimana perusahaan tidak dapat dipastikan dalam kondisi sehat ataukah mengalami financial distress. Kemudian untuk tahun 2021-2023, BMI dengan metode Altman Z-Score Modifikasi diprediksi aman sebab nilai Z-Scorenya > 2,6. Sementara itu, dengan metode Springate menunjukkan hasil yang berbeda yakni BMI selama periode 2019-2023 diprediksi mengalami financial distress karena nilai cut off atau S-Score yang diperoleh < 0,862 (kurang dari 0,862)
Keberlanjutan Mata Pencaharian melalui Pola Kemitraan: Analisis Break-Even Point dan Profitabilitas Peternakan Ayam Broiler di Sikaf Farm
No full textThis study examines the profitability and break-even point of a broiler farming enterprise operating under a partnership model at Sikaf Farm, Manik Hataran Village, Simalungun Regency. Adopting a quantitative approach, the research is based on primary data collected through observation, interviews, and field notes. The analysis employed break-even point (BEP) and profitability assessment techniques. The findings indicate that Sikaf Farm exceeded the break-even threshold, with a minimum production requirement of 1,415 kg and a minimum price of 4,311.06/kg, while actual production reached 89,408 kg. Despite this, profitability measures reveal that the enterprise remains financially suboptimal, reflected in a revenue-cost (R/C) ratio of 0.81 and a profit margin of only 3.03%. These figures suggest that profits are still relatively low and that the business may experience losses during certain production cycles. High broiler mortality rates and inefficiencies in operational cost management constitute the principal challenges. To improve profitability and ensure the sustainability of the partnership model, it is crucial to enhance technical management practices, increase cost efficiency in housing systems, and strengthen collaboration with the core companyPenelitian ini mengkaji tingkat profitabilitas dan titik impas (break-even point/BEP) pada usaha peternakan ayam broiler dengan pola kemitraan di Sikaf Farm, Desa Manik Hataran, Kabupaten Simalungun. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang diperoleh melalui observasi, wawancara, dan pencatatan lapangan. Teknik analisis yang digunakan meliputi perhitungan BEP dan analisis profitabilitas. Hasil penelitian menunjukkan bahwa Sikaf Farm berhasil melampaui titik impas, dengan produksi minimal 1.415 kg dan harga minimal Rp4.311,06/kg, sedangkan produksi aktual mencapai 89.408 kg. Meskipun demikian, indikator profitabilitas menunjukkan bahwa kinerja usaha masih belum optimal secara finansial, tercermin dari nilai revenue-cost (R/C) sebesar 0,81 dan margin keuntungan hanya 3,03%. Temuan ini mengindikasikan bahwa tingkat keuntungan relatif rendah dan berpotensi mengalami kerugian pada periode tertentu. Tingginya tingkat mortalitas ayam dan belum optimalnya pengelolaan biaya operasional menjadi kendala utama yang dihadapi. Oleh karena itu, untuk meningkatkan profitabilitas dan menjamin keberlanjutan pola kemitraan, diperlukan perbaikan manajemen teknis pemeliharaan, peningkatan efisiensi biaya kandang, serta penguatan kolaborasi dengan perusahaan int
Implementasi Metode Active Knowledge Sharing dalam Mendorong Keaktifan Peserta didik pada Pembelajaran SKI di MAN 2 Kudus
No full textPenelitian ini bertujuan untuk mengkaji secara mendalam penerapan metode Active Knowledge Sharing dalam pembelajaran Sejarah Kebudayaan Islam di Madrasah Aliyah Negeri 2 Kudus. Fokus utama penelitian ini adalah menganalisis cara penerapan metode ini di kelas, dengan mengamati peran guru sebagai fasilitator serta partisipasi aktif siswa dalam proses berbagi pengetahuan. Jenis penelitian yang digunakan adalah penelitian lapangan dengan pendekatan kualitatif. Pengumpulan data dilakukan melalui wawancara, observasi langsung, dan dokumentasi hasil penelitian. Analisis data dilakukan melalui tahapan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa penerapan metode Active Knowledge Sharing memberikan kontribusi positif dalam mendorong partisipasi siswa dalam proses pembelajaran. Materi yang disampaikan dengan cara yang menarik menjadi salah satu kunci keberhasilan, karena dapat menumbuhkan antusiasme peserta didik, terutama ketika materi tersebut menantang dan memberikan ruang bagi mereka untuk menyampaikan pendapat. Meskipun metode ini terbukti efektif dalam meningkatkan keterlibatan siswa, namun masih terdapat kendala yang ditemui. Sebagian siswa merasa tidak percaya diri ketika menyampaikan pendapatnya. Di samping itu, tantangan lain yang dihadapi antara lain terbatasnya variasi media pembelajaran, terbatasnya waktu pembelajaran, serta perubahan kurikulum yang terus berkembang sehingga menuntut guru untuk terus meningkatkan kompetensinya
Pemanfaatan Teknologi Informasi Untuk Meningkatkan Kuliatas Pembelajaran Di Sekolah Menengah Pertama Negeri 1 Sarolangun
No full textIn today’s digital era, the integration of information technology in education has become an inevitable necessity. Information technology offers opportunities for educators to create learning environments that are more engaging, innovative, and tailored to students\u27 needs. This study aims to describe the use of technology in enhancing the quality of learning at SMP Negeri 1 Sarolangun. The research employed a descriptive qualitative method, with data collected through observation, interviews, and documentation. The data analysis process involved data collection, reduction, presentation, and conclusion drawing or verification. The findings reveal that prior to the integration of technology, the learning process was largely dominated by traditional methods, resulting in passive student engagement and limited participation. After the implementation of technology, there was a significant improvement in learning quality, marked by the use of digital devices and educational applications that enriched students’ learning experiences, facilitated better understanding of the material, and increased student participation. The successful implementation of technology was supported by school principals, teachers, parents, and the government. However, several challenges remained, including limited access to devices, unstable internet connectivity, and teachers\u27 limited technical skills in using technology. Students also faced challenges such as the lack of devices at home and limited access to online materials. Nevertheless, the use of technology has proven effective in improving the quality of learning, classroom management, and social interaction between teachers and students. Therefore, continuous efforts are needed to overcome infrastructure limitations and enhance the digital competence of all stakeholders involved
Implementation of Government Policy in Subsidising Electric Motorbike Purchases to Achieve Sustainable Environment
No full textAbstract
The government issued a policy of an electric motorcycle purchase assistance programme through the Minister of Industry Regulation Number 21 of 2023. This policy aims to accelerate the development of the electric vehicle ecosystem in Indonesia to create a sustainable environment. Subsidising the purchase of electric motors can be considered an appropriate policy from an environmental and energy diversification perspective. Economically, such subsidies can encourage the adoption of green technologies and reduce dependence on fossil fuels. The type of research used is qualitative research using documentation data collection techniques and then analysed by reducing data, presenting data and then drawing a conclusion. This policy needs continuous monitoring and evaluation is needed to ensure that this policy is in line with the principles of a sustainable economy, including the integration of environmental, social, and economic aspects in decision-making. Are these incentives short-term or can they provide long-term economic sustainability? In further analyses, it is necessary to consider the concept of demand elasticity. The result of this study is that subsidies can increase consumer purchasing power for electric motorbikes, resulting in increased demand. However, the effect may vary depending on the price elasticity of demand. If demand is inelastic, the increase in price due to subsidies may not be proportional to the increase in demand, so this policy has not been fully implemented.
Keywords: Implementation, Electric Motorbike Subsidy, Sustainable Environment
The Impact on Non-Performing Loans in Indonesian Commercial Banks Caused by the Covid-19 Pandemic, Inflation, BI 7-Day Repo Rate, and Credit Interest Rates
No full textThis study aims to examine the effect of the Covid-19 pandemic, inflation, the BI 7-Day Repo Rate (BI7DRR), and Credit Interest Rates on Non-Performing Loans (NPL) at Commercial Banks in Indonesia, both partially and simultaneously. This quantitative research, which explores rare phenomena such as the ongoing Covid-19 pandemic and empirical findings that partially reject the hypothesis and the loanable funds theory, offers novelty compared to previous studies. Using secondary data from March 2020 to March 2022 obtained from Bank Indonesia, the Financial Services Authority, and the Central Statistics Agency, this study applies multiple regression analysis with SPSS for Windows, employing t-tests, F-tests, and adjusted R² to measure the impact on NPL. The results show that partially, the Covid-19 pandemic and inflation do not affect NPL, while BI7DRR has a negative effect of 0.513% and Credit Interest Rates have a positive effect of 0.367% on NPL. Simultaneously, these four variables influence NPL by 52.2%, suggesting that Ho₅ is accepted and Ha₅ is rejected, which can be attributed to government and central bank fiscal policies as well as commercial bank credit relief programs for debtors. These findings imply the need for synergy among commercial banks, the central bank, and the government to navigate macroeconomic uncertainties through careful BI7DRR adjustments, competitive lending rates, credit restructuring, and stringent debtor evaluation, while encouraging debtors to enhance productivity and make well-informed credit decisions to prevent future NPL surges
The Influence of Islamic Brand Engagement as A Moderation Variable on Brand Loyalty in Bank Syariah Indonesia Customers
No full textThis study aims to determine the ability of Islamic brand attachment to moderate the influence of brand personality, customer satisfaction, and aura brand customer religiosity towards brand loyalty in Indonesian Islamic banks. Primary data collection was conducted by purposive sampling with a sample size of 320 questionnaire responses collected. from Bank customers Indonesian Sharia is domiciled in Yogyakarta, Surakarta, Purwokerto, Semarang, Jakarta, Bandung, Banten and Surabaya. The relationship between personality variables brand, satisfaction customers, And aura brand religious Customer to brand loyalty was analyzed using Structural Equation Modeling (SEM) from the Wap PLS program package. Results study empirical show there is influence personality brand, satisfaction customers, and the aura of a religious brand customers towards brand loyalty of Bank Syariah Indonesia. The test results show that Brand personality, Customer satisfaction , and . Brand religious aura is influential positive to brand loyalty on Customer Bank Sharia Indonesia. Islamicbrand engagement is able to moderate the relationship between brand personality and brand loyalty in Bank Syariah Indonesia customers. But Islamic brand engagement is not able to moderate the relationship between customer satisfaction and brand religious aura towards brand loyalty . Customer Bank Sharia Indonesia. Recommendation managerial Which produced from This research is that Bank Syariah Indonesia must focus on continuously improving brand personality, customer satisfaction, and religious brand aura because they are directly correlated with customer
Justice And Accuracy in Wage Payment from the Perspective of Islamic Economic Law: A Study of the Wage System of Rice Dryers in Brebes
No full textWage determination constitutes a fundamental aspect of labor relations, as it concerns the workers’ basic rights to fair compensation for services rendered. Nevertheless, wage systems frequently give rise to disputes, particularly regarding payment delays, unclear nominal values, and inconsistencies with the principle of justice. Such issues are evident in the wage practices of rice-drying laborers in the studied village, where employment agreements are made orally and wage payments depend on the sale of the dried rice. This phenomenon merits scholarly examination from the perspective of Islamic economic law, especially through the concept of ujrah, which emphasizes justice, contractual clarity, and timeliness in wage payment. This study employs a qualitative method with a juridical-empirical approach. Primary data were collected through in-depth interviews with rice mill owners, paddy owners, and rice-drying workers, complemented by direct field observations. Secondary data were derived from relevant literature on Islamic economic law and fiqh al-mu‘āmalah. The data were analyzed through reduction, presentation, and conclusion-drawing processes based on the principles of wage determination in Islamic law—justice, clarity of contract, mutual consent, and punctual payment. The findings reveal that the rice-drying wage system follows a piece-rate payment model, in which the wage amount is determined by the quantity of rice successfully dried. Payments are generally made after the rice is sold, which occasionally results in delayed disbursement. To mitigate such issues, rice mill owners provide cash advances (kasbon) for workers in urgent need of funds. From the standpoint of Islamic economic law, this practice largely aligns with the principles of contractual transparency and mutual consent, although improvements are needed in ensuring timely wage payment to prevent potential harm to workers
Addressing Legal Uncertainty in Delayed Informed Consent: Protecting Health Workers in Indonesian Hospitals
No full textIn Indonesia’s emergency settings, family requests to postpone medical procedures present significant legal risks for health workers. Medical records often capture only patient consent or refusal, neglecting documentation of deferred actions. This study analyzes the legal position of deferred informed consent under the Health Law, the Medical Practice Law, and Ministry of Health regulations, while exploring practices observed at a district hospital. Using a descriptive legal approach, normative analysis was combined with semi-structured interviews with nine participants at Aliyah 1 General Hospital, including the chair of the medical committee, a medical records officer, physicians, and ward heads. Findings highlight three recurring issues: role ambiguity (unclear disclosure responsibilities during busy periods), temporal opacity (uncertainty about decision-making time and its effect on care), and undefined clinical thresholds (absence of guidelines for escalation). Additional problems include inconsistent delegation notes, varying comprehension among family members, and inadequate documentation of communication with off-site decision-makers. To address these gaps, this study proposes a Deferral of Medical Action Form and a Deferred-Action Standard Operating Procedure (SOP). These tools would record the initiator and rationale for postponement, urgency or triage level, risk briefing, time-bound reassessment, and clear clinical triggers. They mandate physician-led disclosure, identification of interpreters if needed, maintenance of brief communication logs, and linkage to eventual consent or refusal notes. By transforming informal deferral requests into a structured, time-sensitive process, this model safeguards patient autonomy while ensuring timely and legally defensible medical care
Peran Lingkungan Keluarga dan Sekolah dalam Pembentukan Emosi Anak: Kajian Literatur Psikologi Pendidikan Anak
No full textPerkembangan emosi anak merupakan aspek penting dalam proses pendidikanyang berpengaruh terhadap kemampuan sosial, moral, dan akademik. Artikel inibertujuan untuk meninjau berbagai hasil penelitian tentang peran lingkungankeluarga dan sekolah dalam membentuk emosi anak. Kajian ini menggunakanmetode literature review dengan menganalisis artikel ilmiah yang diterbitkandalam sepuluh tahun terakhir (2015–2025) dari berbagai sumber bereputasi. Hasilkajian menunjukkan bahwa kehangatan, pola asuh, dan komunikasi emosionaldalam keluarga memiliki kontribusi signifikan terhadap stabilitas emosi anak. Sementara itu, lingkungan sekolah yang suportif, interaksi guru-siswa yang positif, serta penerapan pembelajaran sosial-emosional (social emotional learning)turut memperkuat kemampuan anak dalam mengenali dan mengelola emosi.Kesimpulannya, sinergi antara keluarga dan sekolah menjadi faktor utama dalammembentuk keseimbangan emosional anak yang mendukung perkembangankepribadian dan prestasi belajar. Temuan ini memiliki implikasi bagi guru danorang tua untuk menciptakan lingkungan yang responsif secara emosional sertaberorientasi pada kesejahteraan psikologis anak.Perkembangan emosi anak merupakan aspek penting dalam proses pendidikanyang berpengaruh terhadap kemampuan sosial, moral, dan akademik. Artikel inibertujuan untuk meninjau berbagai hasil penelitian tentang peran lingkungankeluarga dan sekolah dalam membentuk emosi anak. Kajian ini menggunakanmetode literature review dengan menganalisis artikel ilmiah yang diterbitkandalam sepuluh tahun terakhir (2015–2025) dari berbagai sumber bereputasi. Hasilkajian menunjukkan bahwa kehangatan, pola asuh, dan komunikasi emosionaldalam keluarga memiliki kontribusi signifikan terhadap stabilitas emosi anak. Sementara itu, lingkungan sekolah yang suportif, interaksi guru-siswa yang positif, serta penerapan pembelajaran sosial-emosional (social emotional learning)turut memperkuat kemampuan anak dalam mengenali dan mengelola emosi.Kesimpulannya, sinergi antara keluarga dan sekolah menjadi faktor utama dalammembentuk keseimbangan emosional anak yang mendukung perkembangankepribadian dan prestasi belajar. Temuan ini memiliki implikasi bagi guru danorang tua untuk menciptakan lingkungan yang responsif secara emosional sertaberorientasi pada kesejahteraan psikologis anak