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ANALISIS PERBANDINGAN TINGKAT KESEHATAN BANK SYARIAH DEVISA DAN NON DEVISA DENGAN MENGGUNAKAN METODE CAMEL : STUDI KASUS PT BANK SYARIAH MEGA INDONESIA DAN PT BANK RAKYAT INDONESIA SYARIAH TAHUN 2009-2010 Ramadhani, Mutia; ., Isfandayani
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 5 No 1 (2014): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

The purpose of this study was to determine the health of banks using the CAMEL and compare the results between Islamic banks and non-foreign exchange. The benefits of this research are expected to be material contribute ideas about the role and functions of financial management, especially in one of the functions that determine the health of banks. The method used is qualitative naturalistic method with secondary data sources (secondary data) are available on the Bank's internet service Indonesia.CAMEL is the rating that is based on five factors: Capital, Assets, Management, Earnings, and Liquidity. But in this research method used is due to limited scope CAMEL researchers, management aspects are considered 100% in the assessment. The conclusion from this study showed that foreign Islamic banks that have greater access to running services relating to transactions in foreign currencies, which are represented by PT. Bank Syariah Mega Indonesia in 2009 in a healthy position, as well as in 2010. Based on the calculation of capital ratios for two years, namely 2009 and 2010 PT. BSMI obtain CAR, BDR, KAP, ROA, ROA, CR, and LDR at position 100% healthy.

FAKTOR YANG MEMPENGARUHI KESULITAN DALAM MEMPELAJARI MAKNA KANJI PADA MAHASISWA ANGKATAN 2022 PROGRAM STUDI PENDIDIKAN BAHASA JEPANG UNIVERSITAS RIAU Ramadhani, Mutia; Basri, Merri Silvia; Yohani, Adisthi Martha
Jurnal Online Mahasiswa (JOM) Bidang Keguruan dan Ilmu Pendidikan Vol 10, No 2 (2023): EDISI 2 JULI-DESEMBER 2023
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Keguruan dan Ilmu Pendidikan

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Abstrak: Difficulty learning the meaning of kanji is a difficulty for students in learning the meaning of kanji. This study aims to determine the factors of student difficulties in learning the meaning of kanji. This study uses quantitative descriptive methods. This study uses a questionnaire to collect data sources. The respondents in this study were 36 students from the class of 2022 Japanese Language Education FKIP Universias Riau. The results of this study found that there are three factors that have quite an influence on the difficulty of learning the meaning of kanji in students, namely learning strategy factors, curriculum factors and environmental factors.Keywords: Kanji, Meaning, Difficulty.

ISLAMIC PERSPECTIVES ON CLAW MACHINE TRANSACTIONS Ramadhani, Mutia; Emrizal, Emrizal; Zulkifli, Zulkifli
Al Ushuliy: Jurnal Mahasiswa Syariah dan Hukum Vol 3, No 2 (2024)
Publisher : UIN Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/alushuliy.v3i2.13715

: This study examines the practice of buying and selling dolls through claw machine games from the perspective of Islamic law. The research aims to explore the procedures involved in these transactions and evaluate their compliance with Islamic jurisprudential principles. A qualitative, descriptive field research method was employed, with data collected through interviews and documentation. Primary data sources include interviews with one claw machine provider and four users, while secondary sources comprise scholarly journals, articles, and books related to buying and selling practices and claw machine games. The findings reveal that the transaction begins with the purchase of a coin for IDR 1,000, which is then inserted into the claw machine to operate the controls for 30 seconds. Players attempt to maneuver the claw to grab a doll, but the outcome depends on chance, as the success of obtaining the doll is not guaranteed. From an Islamic perspective, this practice is problematic due to the presence of gharar (uncertainty) and maysir (gambling-like elements), which violate the principles of transparency, fairness, and certainty required in trade. The study concludes that the buying and selling of dolls through claw machine games is impermissible in Islam, as it fails to meet the essential conditions of valid trade and includes prohibited elements of uncertainty and chance. This research underscores the need for adherence to ethical and transparent trade practices in accordance with Islamic law.

FORMULASI DAN UJI FISIK SALEP KOMBINASI EKSTRAK PUTRI MALU (Mimosa Pudica) DAN DAUN JARAK PAGAR (Jatropha Curcas) Enjelina, Sinta Mei; Pambudi, Risma Sakti; Ramadhani, Mutia; Subiyanto, Abyasa Fajari; Ilmi, Ibnul; Rahmadin, Mega Tri
Jurnal Buana Farma Vol. 4 No. 3 (2024): Jurnal Buana Farma : Jurnal Ilmiah Farmasi
Publisher : Fakultas Farmasi Universitas Buana Perjuangan Karawang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36805/jbf.v4i3.1114

Indonesia is a tropical country that has the potential to experience skin diseases. The development of drugs from natural ingredients can be used to treat skin diseases. One of the appropriate pharmaceutical preparations for treating skin infections is ointment. Putri Malu (Mimosa Pudica) and Jatropha Leaves (Jatropha Cuscas) are plants that contain flavonoids, alkaloids, saponins, tannins and phenols which have the potential to inhibit bacterial growth. The aim of this research is to formulate an ointment preparation from the extract of putrimalu (mimosa pudica) and jatropha curcas leaves (jatropha curcas) which meets the requirements of an ointment preparation by means of a physical test of the ointment. This type of research was experimental, which was carried out by making 3 ointment formulations combining Putri Malu and Jatropha leaves using the ointment base Vasellin Album and Adeps Lanae. Physically tested ointment preparations include organoleptic tests, homogeneity tests, pH tests, viscosity tests, spreadability tests, and adhesiveness tests. Based on testing of a combination of ointment preparations from the extract of putrimalu (mimosa pudica) and jatropha leaves (jatrooha cuscas) with a base of vasellin album and adeps lanae, the organoleptic results were blackish brown, distinctive odor, semi-solid consistency, homogeneous ointment with a Ph value of 5 and viscosity test. adhesion and spreading power in accordance with ointment preparation standards. The best formulation of the ointment combination of the extract of the mollusk (mimosa pudica) and jatropha curcas (jatropha cusrcas) leaves is formulation 2 with a ratio of (2:2).

Hubungan Antara Pendidikan dan Perkembangan Peserta Didik Fuad, Ahmad; Lubis, Eva Susanti; Panggabean, Hadi Saputra; Ramadhani, Mutia; Manurung, Nazwa Salsabilaahra; Muliani, Sri Indah
Journal of Humanities Education Management Accounting and Transportation Vol 2, No 1 (2025): Februari 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/hemat.v2i1.5037

Hubungan antara pendidikan dan perkembangan peserta didik sangat berpengaruh dan saling berkaitan. Pada dasarnya, pendidikan bagi peserta didik yaitu dapat merubah pengembangan sikap, keterampilan, dan kecerdasan bagi peserta didik. Pendidikan memiliki peran penting terhadap peserta didik, sebagai tujuan pendidikan karena perubahan sikap mereka merupakan tujuan pendidikan. Pendidikan dapat memberikan pengetahuan berupa wawasan yang luas untuk peserta didik sehingga dapat menjadi pribadi yang baik. Pendidikan juga memberikan dampak yang positif bagi pertumbuhan peserta didik, baik dari segi emosional, maupun kesehatan mentalnya. Dapat di simpulkan, pendidikan bagi pekerbangan peserta didik yaitu, bahwa pendidikan dapat menjadikan peserta didik itu, dapat mempengaruhi pertumbuhan pembentukan karakteristik peserta.

Pengabdian Masyarakat dalam Identifikasi dan Penanganan Kasus Banjir di Tanjung Senang Bandar Lampung Tarigan, Biela Thoricelly Br; Selviana, Lulu; Mukhlis, Sasy Gisda; Saragih, Yesika Febyanti; Ramadhani, Mutia; Syafira, Alifia Angel Joane; Maini, Miskar
Jurnal Pengabdian Masyarakat Bhinneka Vol. 3 No. 4 (2025): Bulan Juli
Publisher : Bhinneka Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58266/jpmb.v3i4.158

Wilayah sekitar Polsek Tanjung Senang di Kota Bandar Lampung kerap dilanda banjir saat musim hujan akibat buruknya sistem drainase, alih fungsi lahan, serta rendahnya kesadaran masyarakat terhadap kebersihan lingkungan. Penelitian ini bertujuan untuk mengidentifikasi penyebab utama banjir dan merumuskan rekomendasi penanganan yang efektif. Metode yang digunakan meliputi observasi langsung dan wawancara dengan warga, khususnya di Desa Way Kandis. Hasil analisis menunjukkan bahwa saluran drainase yang sempit dan tersumbat sampah menjadi pemicu utama terjadinya banjir. Sebagai solusi, disarankan pembangunan dan pelebaran drainase, peningkatan kesadaran masyarakat melalui edukasi, serta penerapan kebijakan publik seperti program “Drainase Bersih dan Resapan Air Komunal Tanjung Senang”. Kebijakan ini meliputi pembersihan drainase rutin oleh RT, kewajiban memiliki tempat sampah tertutup, bank sampah komunitas, pembuatan sumur resapan, dan edukasi berkelanjutan. Pendekatan ini diharapkan mampu mengurangi risiko banjir secara berkelanjutan melalui kolaborasi masyarakat dan pemerintah.

PENGEMBANGAN MEDIA PEMBELAJARAN BUKU DONGENG FABEL DIGITAL BEBASIS KEARIFAN LOKAL PADA MATA PELAJARAN BAHASA INDONESIA SISWA KELAS III SDN 101797 DELITUA Ramadhani, Mutia; Sutarini
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 10 No. 02 (2025): Volume 10, Nomor 02 Juni 2025 publish
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v10i02.28396

This research aims to: (1) develop learning media in the form of a digital fable story book based on the local wisdom of North Sumatra, and (2) test the feasibility of the media. The method used in this study is Research and Development (R&D) with the 4D model (Define, Design, Develop, Disseminate), However, this study is limited to the Develop stage in accordance with level 1 R&D. The resulting product is a digital fable story book based on the Local Wisdom of North Sumatra. This media is designed using the Canva and FlipBuilder applications, this media contains three fable stories by linking the local wisdom of North Sumatra and the characteristics of the Malay, Javanese, and Karo tribes and is equipped with illustrations, semi-motion animations, and audio. The subjects in this study were media expert validators, material experts, language experts, and learning experts. The validation results showed the following levels of feasibility: media expert validation with a score of 98% (very feasible), material expert validation with a score of 97% (very feasible), language expert validation with a score of 94% (very feasible). validation of learning experts (class teachers) is 98% (very feasible). From the results obtained an average feasibility of 96.75% included in the category of "very feasible". The results of the study indicate that the digital fable story book based on local wisdom of North Sumatra is declared very feasible as an innovative media in learning Indonesian narrative texts for class III while introducing local cultural values.

Analisis Varians dan Uji Signifikansi F Aghna, Hannah; Ramadhani, Mutia; Hidayah, Naillah; Panggabean, Hadi Saputra
AURELIA: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Vol 4, No 2 (2025): July 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/aurelia.v4i2.6783

This study discusses the use of Analysis of Variance (ANOVA) and the F-test for significance, which are statistical methods designed to test significant differences between the means of three or more groups. ANOVA works by comparing variability between groups, using the F-test to support the process based on the F-distribution to assess the significance of the observed differences. This article provides a comprehensive discussion of the fundamental concepts of analysis of variance, the steps involved in conducting the F-test, and the statistical interpretation of the test results. The explanation is presented in a systematic and easy-to-understand approach, making it helpful for researchers or students in understanding and applying ANOVA in the context of quantitative research. By understanding analysis of variance and the F-test for significance, researchers can draw valid conclusions based on data and improve the quality of evidence-based decision-making.

Analisis Varians dan Uji Signifikansi F Aghna, Hannah; Ramadhani, Mutia; Hidayah, Naillah; Panggabean, Hadi Saputra
AURELIA: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Vol 4, No 2 (2025): July 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/aurelia.v4i2.6783

This study discusses the use of Analysis of Variance (ANOVA) and the F-test for significance, which are statistical methods designed to test significant differences between the means of three or more groups. ANOVA works by comparing variability between groups, using the F-test to support the process based on the F-distribution to assess the significance of the observed differences. This article provides a comprehensive discussion of the fundamental concepts of analysis of variance, the steps involved in conducting the F-test, and the statistical interpretation of the test results. The explanation is presented in a systematic and easy-to-understand approach, making it helpful for researchers or students in understanding and applying ANOVA in the context of quantitative research. By understanding analysis of variance and the F-test for significance, researchers can draw valid conclusions based on data and improve the quality of evidence-based decision-making.

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