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The Influence of Murabahah, Musyarakah, Mudharabah and Qardh on the Profitability of Islamic Commercial Banks Nurjanah, Feby; Budiantoro, Harry; Gunawan, Andri; Zhafiraah, Nazma Riska; Ningsih, Hestin Agus Tantri
PARADIGMA : JURNAL ILMU PENGETAHUAN AGAMA, DAN BUDAYA Vol 21 No 2 (2024): PARADIGMA Journal of Science, Religion and Culture Studies
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/paradigma.v21i2.9962

Abstract

This research aims to determine how the effect of Murabahah, Musyarakah, Mudharabah and Qardh financing on profitability at Islamic Commercial Banks for the period 2017-2021. The research method used in this research is quantitative research method. The data collection method was carried out through documentation using secondary data taken from the financial statements of each Islamic commercial bank in 2017-2021. The sampling method used purposive sampling technique with the analysis technique used was multiple linear regression using the SPSS version 26 application. The results showed that none of the Murabahah variables had an effect on profitability. Musyarakah variable has a negative and significant effect on profitability. Meanwhile, Mudharabah and Qardh variables have a positive and significant effect on profitability. The managerial implication is that Murabahah as the type of financing most often used by Islamic banks provides a relatively stable fixed income because it uses the principle of a fixed margin agreed upon in advance. Musharakah involves joint capital participation between the bank and the customer, where the bank gets a share of the profits or bears the losses according to the agreement. The bank acts as the capital owner (shahibul maal) who hands over funds to the business manager (mudharib) and gets a share of the profits.
PENGARUH KONSENTRASI ETHEPHON PADA PROSES DEGREENING BUAH JERUK LEMON (Citrus limon L.) CALIFORNIA Putranto, Kelik; Haerudjaman, R.; Gunawan, Andri
AGRITEKH (Jurnal Agribisnis dan Teknologi Pangan) Vol. 4 No. 2 (2024)
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/agritekh.v4i2.891

Abstract

The color of the peel of the California type lemon when harvested is generally green. Degreening technology using ethepon solution can improve the color of lemon peel to yellow. Degreening is the process of chemically remodeling the green pigment (chlorophyll) in orange peel and forming a yellow color (carotenoids) without affecting the internal quality of the fruit. The study aims to examine the effect of ethepon concentration to stimulate yellow pigments (carotenoids) and its effect on the physicochemical properties of California lemons from Majalengka. Degreening lemons using concentrations of 0 ppm, 200 ppm, 400 ppm, 600 ppm, 800 ppm and 1000 ppm solutions dipped for 10 seconds. Observations were made after one of the treatments had the effect of changing the color of lemons to full yellow (Value 5). Other physicochemical observations include weight loss, total acid, vitamin C and total soluble solids. The results showed that changes in fruit skin color began to occur on day 4 after degreening treatment. The best ethepon concentration is 1000 ppm i.e. it can improve the color quality of lemon fruit from full green to full yellow without negative influence on weight loss, total dissolved solids, vitamin C, and total acid.
ANALYSIS OF INDONESIA SHARIA BANK'S HEALTH LEVEL ACCORDING TO FINANCIAL SERVICES AUTHORITY REGULATIONS Kinanti, Sekar; Budiantoro, Harry; Gunawan, Andri; Lapae, Kanaya; Ningsih, Hestin Agus Tantri
I-Economics Vol 10 No 1 (2024): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v10i1.22198

Abstract

This study aims to determine and assess the Health Level of a bank using the Risk Profile, Good Corporate Governance, Earnings and Capital (RGEC) method of Bank Syariah Indonesia Quarter I 2021 - Quarter III 2022. This type of research is quantitative. The analysis used in this study uses Net Financing Performance (NPF), Financing to Deposit Ratio (FDR), Operating Expenses and Operating Income (BOPO) and Net Operating Margin (NOM). This study will compare and analyze the health level of banks at Bank Syariah Indonesia. Based on the research results, it can be concluded that Bank Syariah Indonesia for the NPF ratio shows an assessment of the bank's health level, namely "Healthy", FDR Bank Syariah Indonesia for the first quarter of 2019 - the fourth quarter of 2020 before the merger was still at an average of "fairly healthy", the NOM ratio of Bank Syariah Indonesia is still below 0, not yet capable of managing all of its productive assets and the health level of the CAR ratio is still at rank 1 "Very Healthy "because according to the provisions of the bank's health level if CAR> 12% then it is said to be "Very Healthy".
Green Supply Chain Management and Environmental Impacts on Public Perception of Electric Vehicle in Indonesia: Model with PLS-SEM and COST APPROACH Gunawan, Andri; Suryadinata Gorda, A.A.N. Oka; Supriyadinatha Gorda, A.A.N. Eddy; Sri Rahayu Gorda, A.A.A.N.; Latupeirissa, Jonathan Jacob Paul
International Journal of Supply Chain Management Vol 9, No 5 (2020): International Journal of Supply Chain Management (IJSCM)
Publisher : ExcelingTech

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59160/ijscm.v9i5.5621

Abstract

Abstract- The purpose of this study is to examine green supply chain management on electric vehicles in Indonesia. Variables in this research consisted of green supply chain, non-financial incentives by government and environmental im-pact on public perceptions of electric vehicles. The green supply chain man-agement variables in this study were the value added green supply chain man-agement and registration green supply chain management. The non-financial incentives variables in this research included the provision of public charging station and parking fee exemption. Samples from the study derived from 187 potential buyers of electric vehicles domiciled in Denpasar and Badung, Bali Province. This study adopted Structural Equation Model with SmartPLS as the analysis technique. A cost approach was also applied in this study. The appli-cation of these two methods was to provide a comprehensive understanding of policies related to electric vehicles. In line with other studies, the results of this study demonstrated that all variables had a positive effect on the public perception of electric vehicles. However, the environmental impact variable had the greatest influence at the lowest cost compared to other variables. Non-financial incentives variable exhibited a positive influence at an affordable cost than green supply chain management variable. The green supply chain management variable was confirmed to have a positive effect with the most expensive cost compared to others.
Sistem Absensi Mahasiswa dan Notifikasi Jadwal Kuliah Berdasarkan Ruang Kelas Menggunakan Ibeacon di Politeknik Pos Indonesia Hidayat, Muhammad Ayat; Gunawan, Andri
Jurnal Pendidikan Tambusai Vol. 6 No. 1 (2022): 2022
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v6i1.3573

Abstract

Absensi merupakan hal yang wajib dilakukan untuk mahasiswa. Absensi menjadi tolak ukur bagi Sebagian besar dosen dalam melakukan penilaian ataupun menentukan syarat untuk mengikuti ujian tengah semester maupun ujian akhir semes-ter. Di Politeknik Pos Indonesia dalam melakukan absensi masih menggunakan cara manual yaitu menggunakan kerta. Hal ini mengakibatkan proses akumulasi dan perhitungan absensi menjadi lama dan tidak efektif. Oleh karena itu, diper-lukan suatu sistem absensi mahasiswa yang dapat melakukan pendataan dan pengelolaan absensi agar dapat dilakukan secara cepat, efisien, dan akurat. Pembuatan sistem absensi mahasiswa ini dilakukan dengan cara pengumpulan data, analisa sistem, perancangan sistem, dan implementasi sistem. Sistem ini dibuat dengan menggunakan bahasa pem-rograman PHP dan MySQL. Hasil dari penelitian ini adalah dibuatnya aplikasi sistem absensi mahasiswa dan notifikasi jadwal matakuliah berdasarkan ruangan kelas menggunakan IBEACON di politeknik pos Indonesia, diharapkan proses absensi akan lebih efisien dan dapat dipantau dengan mudah oleh dosen dan oleh bagian kemahasiswaan maupun bagian akademik.
STRATEGI PEMASARAN IKAN NILA HASIL BUDIDAYA KERAMBA JARING APUNG PADA KELOMPOK POKDAKAN PEMUDA KBR TENGGARONG Gunawan, Andri; Wijayanti, Silvana Kardinar; Fahleti, Widya Hana
I-Con Media مجلد 5 عدد 2 (2022): I-Con Media
Publisher : SEKOLAH TINGGI ILMU EKONOMI TENGGARONG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61509/luxICM5263

Abstract

This study aims to find out what marketing strategies are effective for increasing sales of tilapia from floating net cage cultivation in the KBR Youth Pokdakan Group through SWOT analysis. This study uses a qualitative research type. Primary data was collected through interviews with several stakeholders of the KBR Youth Pokdakan Group, namely Mr. Susanto (Chairman of the KBR Youth Pokdakan Group), Mr. Subli (Secretary of the KBR Youth Pokdakan Group), Mr. Doni (Marketing Section of the KBR Youth Pokdakan Group). In addition to the interview method, the author also uses the observation method to deepen the data obtained. Secondary data was obtained through a literature study from the KBR Youth Pokdakan Group and the author's documentation. The data that has been collected is then analyzed using the SWOT method.
Overview of Bacterial Patterns in Diabetic Ulcer Patients at Gatot Soebroto Army Hospital and Fatmawati General Hospital and The Review According to Islamic Perspective Achya, Vioni Alvida; Eliana, Fatimah; Gunawan, Andri
Junior Medical Journal Vol. 2 No. 2 (2023): Oktober 2023
Publisher : Fakultas Kedokteran Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Background: Diabetes mellitus (DM) is a metabolic disease characterized by hyperglycemia resulting from defects in insulin secretion, insulin action or both. Complications of this disease are diabetic foot ulcers. Diabetic foot ulcer is an ulcer that occurs on the leg of a DM patient. One of the risk factors for diabetic foot ulcers is infection. Many diabetic foot ulcers are caused by Staphylococcus aureus and Pseudomonas spp. Method: This study used secondary data from medical records of bacterial culture of diabetic ulcer patients at the Gatot Soebroto Army Hospital and Fatmawati General Hospital from January 2018 to December 2021. Results: There are 10 most common types of bacteria at Gatot Soebroto Army Hospital, namely Escherichia Coli, Klebsiella Pneumoniae, Citrobacter Koseri, Enterobacter Aerogenes, Staphylococcus Aureus, Enterococcus Faecalis, Proteus Mirabilis, Proteus Hauseri, Streptococcus Agalactiae and Cupriavidus Pauculus. At Fatmawati General Hospital, the highest number of 10 types of bacteria were found, namely Escherichia Coli, Klebsiella Pneumoniae, Acinetobacter baumannii, Pseudomonas Aeruginosa, Enterococcus Faecalis, Proteus Mirabilis, Staphylococcus Haemolyticus, Serratia Liquefaciens, Proteus Pennerii, and Providencia Rettgeri.Conclusion: The most common bacteria found in the two hospitals are Escherichia Coli and Klebsiella Pneumoniae. In the view of Islam, Rasulullah shallallahu alaihi wa salam gives an example of a person who is healthy in body and soul as the owner of the whole world and its contents.
Uji Aktivitas Antioksidan Ekstrak Etanol Apel (Malus domestica) dengan Metode Reducing Power dan Tinjauannya Menurut Pandangan Islam Azzahra, Shabrina; Sri Utami, Sri Utami; Gunawan, Andri
Junior Medical Journal Vol. 2 No. 4: December 2023
Publisher : Fakultas Kedokteran Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jmj.v2i4.4113

Abstract

Antioksidan ialah zat yang mencegah ataupun menghambat rusaknya sel karena oksidasi radikal bebas. Radikal bebas adalah sebuah molekul yang mempunyai satu ataupun lebih elektron yang tak memiliki pasangan yang dapat menyebabkan penyakit kanker, stroke, jantung serta penuaan dini. Antioksidan alami dapat diperoleh dari makanan atau minuman yang ada pada sayur-sayuran serta buah-buahan, seperti buah apel. Antioksidan sintetis yang sengaja ditambahkan dalam makanan atau minuman yang dikonsumsi, seperti Butil Hidroksi Anisol (BHA). Metode reducing power ialah bagian dari metode guna menetapkan kandungan antioksidan dari ekstrak tertentu dengan cara spektrofotometri. Ajaran islam bertujuan memelihara keselamatan agama, jiwa, akal, keturunan dan harta. Oleh karena itu, segala sesuatu yang memberi manfaat bagi tercapainya tujuan tersebut diperintahkan, dianjurkan atau diizinkan untuk dilakukan. Riset ini memiliki tujuan guna menyelidiki kegiatan antioksidan dalam ekstrak etanol buah apel dan pandangan Islam terhadap buah-buahan, antioksidan serta pengunaan etanol. Hasil dari penelitian ini didapatkan antioksidan yang terkandung dalam sampel tidak aktif, dilihat dari hasil tiga kali uji dan dibandingkan dengan hasil absorbansi larutan standar. Antioxidants are substances that prevent or inhibit cell damage due to free radical oxidation. Free radicals are molecules that have one or more unpaired electrons that can cause cancer, stroke, heart disease and premature aging. Natural antioxidants can be obtained from food or drinks contained in vegetables and fruit, such as apples. Synthetic antioxidants that are deliberately added to the food or drink consumed, such as Butyl Hydroxy Anisole (BHA). The reducing power method is a method for determining the antioxidant content of certain extracts spectrophotometrically. Islam teaches aim to maintain the safety of religion, soul, mind, lineage and property. Therefore, everything that benefits the achievement of these goals is ordered, recommend or permitted to be done. This research aims to determine the antioxidant activity in the ethanol extract of apples and the Islamic views on fruit, antioxidants and the use of ethanol. The results of this research showed that the antioxidant contained in the samples were inactive, seen from the results of three tests and compared with the absorbance results of the standard solution.
Uji Antioksidan Ekstrak Belimbing Wuluh (Averrhoa bilimbi) dengan Metode Reducing Power dan Tinjauannya Menurut Pandangan Islam Rizda Hayyu; Utami, Sri; Gunawan, Andri
Junior Medical Journal Vol. 2 No. 8 (2024): April 2024
Publisher : Fakultas Kedokteran Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jmj.v2i8.4146

Abstract

Oksidan atau radikal bebas merupakan molekul oksigen yang tidak stabil dan sangat reaktif. Paparan radikal bebas yang berlebih dapat menimbulkan berbagai masalah dan penyakit. Antioksidan atau oxidation inhibitor merupakan senyawa yang diproduksi oleh sistem pelindung organisme sebagai respon terhadap efek destruktif radikal bebas. Antioksidan dapat melindungi dari radikal bebas seperti sinar ultra violet (UV) dan polusi. Salah satu buah yang diduga memiliki antioksidan adalah belimbing wuluh. Reducing power adalah metode yang digunakan untuk menguji kandungan antioksidan pada tumbuhan. Penelitian ini bertujuan untuk mengetahui aktivitas antioksidan pada ekstrak etanol buah belimbing wuluh. Penelitian yang akan dilaksanakan pada bulan September hingga Oktober di Laboratorium Herbal Universitas YARSI ini bersifat eksperimental kuantitatif. Berdasarkan hasil uji yang telah dilakukan sebanyak 3 kali (triplo) menggunakan larutan asam askorbat sebagai standar, nilai rata-rata ekstrak adalah belimbing 0,510 mM dan asam askorbat 12,832 mM. Dalam Islam, Allah menciptakan buah-buahan yang memiliki kandungan bermanfaat seperti antioksidan untuk kesehatan. Penggunaan etanol atau alkohol sebagai bahan campuran diperbolehkan dalam batasan yang telah ditentukan. Hasil yang didapatkan pada penelitian ini adalah antioksidan pada sampel yang diuji tidak aktif. Oxidants or free radicals are oxygen molecules that are unstable and highly reactive. Excessive exposure to free radicals can cause various problems and diseases. Antioxidants or oxidation inhibitors are compounds produced by the organism’s protective system in response to the destructive effects of free radicals. Antioxidants can protect against free radicals such as ultraviolet (UV) ray and pollution. One fruit that is suspected to have antioxidants is starfruit. Reducing power is a method used to test the antioxidant content of plants. This study aims to determine the antioxidant activity of ethanol extract of starfruit wuluh. The research, which will be conducted from September to October at the Herbal Laboratory of YARSI University, is quantitative experimental research. Based on the results of the test that has been carried out 3 times (triplo) using ascorbic acid solution as a standard, the average value of the extract is 0.510 mM and ascorbic acid is 12.832 mM. In Islam, Allah created fruits that have beneficial contents such as antioxidants for health. The use of ethanol or alcohol as a mixing material is allowed within the specified limits. The result obtained in this study is that the antioxidant in the tested sample is inactive.
Sustainable Supplier Selection Using AHP: A Green Purchasing Approach at PT Dapensi Trio Usaha Prastyantoro, Riharsono; Purnomo, Agus; Gunawan, Andri
Dinasti International Journal of Management Science Vol. 6 No. 1 (2024): Dinasti International Journal of Management Science (September - October 2024)
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijms.v6i1.3386

Abstract

Green purchasing is an important issue in the manufacturing world, where all lines must implement the green concept in order to achieve a green concept that is friendly to the environment. PT Dapensi Trio Usaha in meeting the needs of its customers is faced with problems related to the selection of supplier criteria that have a green category so that it is hoped that later the procurement of goods that containing chemicals can meet the green standards set by ISO 14001. In the procurement process of goods containing chemicals, there are several vendors who have passed the administrative selection and can proceed directly to the tender stage. Among the companies that have met the administrative requirements are PT "A", PT "B", PT "C", PT "D" all of which have ISO 14001 certification from chemical goods providers as one of the main requirements to participate in the tender at PT Dapensi Trio Usaha. This study aims to determine the best supplier with the green purchasing concept using the Analytical Hierarchy Process (AHP) method.