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Rusdianto
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Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Public Health Social Sciences Other

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THE DISTRIBUTION OF PROFITS AND LOSSES, AS WELL AS MONETARY POLICY, IN ISLAMIC BANKS INDONESIA Mubarok, Faizul; Rusdianto
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 1 (2023): JANUARY-JUNE 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i1.42507

Abstract

Profit and loss distribution in Islamic banking financing is based on the principles of fairness and risk sharing between banks and customers. Islamic banking activities channel financing are an effort to move the economic sector. This study intends to examine the short- and long-term link between monetary policy and Mudharabah contract finance, as well as the shocks caused by changes in monetary policy and the contribution of each variable during shocks. The research makes use of a vector error correction model, which is applied to monthly data spanning the years 2004 to 2022. The sample population for the study is comprised of a number of Islamic commercial banks and business units. The findings of the research on interest rates have an effect on financing through Mudharabah contracts in both the short and long terms, but solely on inflation in the long term. However, the exchange rate does not affect the short or long term. Islamic banks must implement a portfolio of Mudharabah contracts and prepare reserve funds when a shock occurs. In Mudharabah contracts, financing Mudharabah is affected by interest rates, both short-term and long-term, but only long-term financing is affected by inflation. The most important change is the change in interest rates. If a change in a financial indicator causes a shock, Islamic banks need to set up reserve funds so they can handle it. To make Islamic banking more competitive, the government needs to keep taking it as seriously as setting interest rates.
PENGEMBANGAN E-MODUL INTERAKTIF UNTUK MENINGKATKAN KEMAMPUAN SCIENTIFIC REASONING PADA PEMBELAJARAN IPA SISWA SMP Ayu Nurjannah; Rusdianto; Nuha, Ulin
Jurnal Muara Pendidikan Vol. 10 No. 2 (2025): Jurnal Muara Pendidikan, Vol 10 Issue 2, Desember 2025
Publisher : LPPM Universitas Muhammadiyah Muara Bungo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52060/mp.v10i2.3399

Abstract

The scientific reasoning ability of students in Indonesia was relatively low due to a lack of understanding of the material and learning concepts. Therefore, an interesting learning system was needed and supported by effective media in conveying messages and learning objectives, which facilitated teachers in the teaching process, such as the use of interactive e-modules. This study aimed to develop interactive e-modules to improve scientific reasoning abilities in junior high school science learning. This interactive e-module was developed using the ADDIE model. The results of the study showed a validity percentage of 92.62% (very valid), practicality of 89.51% (practical), and N-gain of 0.59 (medium), while student responses reached 87.18% (very good). Interactive e-modules met the criteria for validity, practicality, and effectiveness because they were arranged systematically and covered all indicators of scientific reasoning abilities. Thus, interactive e-modules were feasible to be implemented as learning media to improve junior high school students' scientific reasoning abilities.
Co-Authors Adi Irawan Aminuyati Andi Syukriani Andi Taskirah Aslindawati, Nur Ayu Andira Ayu Nurjannah Choiroh, Fazriyatul Diah Wahyuni Dian Wahyuningsih Din Nurul Rasidin Faizul Mubarok Hajar Aswad Hartono Hartono I Wayan Lasmawan I.G. Margunayasa Inni Khaerunnisa Lisani Lolita Tuhumena M. Syahputra Muthahharah, Isma Nabila Aulia Priangka Nabillah, Zulva Nandita Fahira Suci Nur Ahmad, Nur Nurjanna Ladjin Octaviani S, Nazhaa Pramudya, Rorry Purnamasari, A. Bida Puspita Rani, Ria Rais, Zulkifli Ridlo, Zainur Rasyid Rifai Kasman Rifaid Saiman Riski Fahirah Rizka Elan Fadilah, Rizka Elan Rosdianah Rahim Sapinah Sari, Rika Sumita Wimanda Setiawan, M. Budhi Sinau, Silvester Siti Kholidah Marbun Siti Marwa Sri Wahyuni Supeno Tedy Setiadi Tomasila, Leopold A Ulin Nuha, Ulin Yusniar Rasjid, Yusniar