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All Journal Jurnal Ilmu Lingkungan Prosiding Seminar Biologi jurnal niara Jurnal Akuntansi : Kajian Ilmiah Akuntansi (JAK) Biosfer: Jurnal Pendidikan Biologi Dinamisia: Jurnal Pengabdian Kepada Masyarakat JURNAL PENDIDIKAN TAMBUSAI Lectura : Jurnal Pendidikan Bio-Lectura Proceeding Biology Education Conference Share: Jurnal Ekonomi dan Keuangan Islam JURNAL ILMU MANAJEMEN SABURAI (JIMS) JURNAL KARYA ILMIAH MULTIDISIPLIN Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan
Ermina Sari
Universitas Lancang Kuning
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Materials Science & Nanotechnology Medicine & Pharmacology Public Health Social Sciences Other

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THE PANDEMIC COVID-19 : EFFICIENCY AND STABILITY OF SHARIA BANKS IN INDONESIA Sari, Ermina; Juniyanto, Endri
Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan Vol. 1 No. 4 (2024): Juni
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59407/jakpt.v1i4.990

Abstract

Penelitian bertujuan untuk untuk mengetahui tingkat efisiensi dan stabilitas Bank Umum Syariah di Indonesia setelah pandemi covid-19 melanda di Indonesia. Objek penelitian ini adalah Bank Umum Syariah (BUS) yang beroperasi di Indonesia selama masa pengamatan dari 2017-2022. Pengumpulan sampel dilakukan dengan metode purposive sampling dan diperoleh sampel sebanyak 9 BUS. Metode yang digunakan dalam penelitian ini adalah Data Envelopment Analysis (DEA) untuk mengukur nilai efisiensi. Sedangkan untuk mengukur stabilitas perbankan, diukur berdasarkan kesehatannya yang bersumber dari laporan keuangan dengan Altman Z-Score. Hasil menunjukan mayoritas BUS mengalami penurunan tingkat efisiensi. Yaitu Bukopin syariah, Muamalat , BCA Syariah dan Victoria syariah. Tingkat efisiensi yang stabil ditunjukan oleh BTPN syariah. Sebelum pandemi covid-19 (2017-2019) seluruh BUS memiliki efisiensi yang tinggi akan tetapi setelah pandemi covid 19 (2019-2022) mayoritas bank mengalami penurunan efisiensi menjadi sedang bahkan Bank Muamalat menunjukan nilai inefesiensi pada tahun 2022. Perbankan syariah yang memiliki efisiensi tinggi bahnkan setelah covid adalah Bank Bukopin syariah dan BTPN syariah. meskipun terkena dampak covid-19, BUS dinyatakan tetap stabil karena BUS tidak memiliki masalah keuangan.hal tersebut ditunjukan dengan nilai Z-score seluruh BUS yang menjadi sampel pada penelitian ini, memiliki nilai diatas 2,6 (Z>2.6) yaitu perusahaan dalam kategori tidak bangkrut atau Perusahaan tidak mengalami masalah dengan kondisi keuangan .
Efficiency of Islamic and Conventional Banks in Indonesia during COVID-19: A Stochastic Frontier Analysis Dewindaru, Dini; Sari, Ermina
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 14 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v14i1.26469

Abstract

The COVID-19 pandemic has disrupted global financial systems, with the banking sector facing mounting pressures on operational efficiency and financial stability. In Indonesia, this crisis presented a critical test for both Conventional Banks (CBs) and Islamic Banks (IBs), whose structural and operational models differ significantly. This study aims to evaluate and compare the efficiency levels of CBs and IBs during the COVID-19 pandemic (2020–2022) using a quantitative approach. The Stochastic Frontier Analysis (SFA) with a Cobb-Douglas production function was employed to measure cost efficiency, while an independent samples t-test was used to determine the statistical significance of efficiency differences between bank types. A purposive sample consisting of 39 CBs and 9 IBs was analyzed based on input variables (fixed assets, deposits, and personnel costs) and output (total financing). The results reveal that CBs achieved higher efficiency scores (average = 89.39) compared to IBs (average = 82.27), with the difference being statistically significant (p < 0.001). Efficiency among CBs remained relatively stable, while IBs showed more variability and consistent decline over the period. The study identifies key contributing factors to IBs' lower efficiency, including technological constraints, lack of product standardization, and regulatory complexities. These findings underscore the need for structural reforms in the Islamic banking sector, particularly in technology adoption and regulatory harmonization. The study offers valuable insights for regulators, bank managers, and policymakers in enhancing the resilience and competitiveness of Indonesia’s dual banking system during periods of financial stress.========================================================================================================ABSTRAK - Efisiensi Bank Syariah dan Bank Konvensional di Indonesia Selama Pandemi COVID-19: Analisis Frontier Stokastik. Pandemi COVID-19 telah mengguncang sistem keuangan global, termasuk sektor perbankan yang menghadapi tekanan besar terhadap efisiensi operasional dan stabilitas keuangan. Di Indonesia, krisis ini menjadi Pelajaran berharga bagi Bank Konvensional (CBs) dan Bank Syariah (IBs) yang memiliki perbedaan struktural dan operasional yang signifikan. Penelitian ini bertujuan untuk mengevaluasi dan membandingkan tingkat efisiensi CBs dan IBs selama pandemi COVID-19 (2020–2022) melalui pendekatan kuantitatif. Metode yang digunakan adalah Stochastic Frontier Analysis (SFA) dengan fungsi produksi Cobb-Douglas untuk mengukur efisiensi biaya, serta uji t independen untuk mengetahui signifikansi perbedaan efisiensi antara kedua jenis bank. Sampel purposif terdiri dari 39 CBs dan 9 IBs, dianalisis berdasarkan variabel input (aset tetap, dana pihak ketiga, dan biaya SDM) serta output (total pembiayaan). Hasil penelitian menunjukkan bahwa CBs memiliki skor efisiensi lebih tinggi (rata-rata = 89,39) dibandingkan IBs (rata-rata = 82,27), dengan perbedaan yang signifikan secara statistik (p < 0,001). Efisiensi CBs cenderung stabil, sementara IBs menunjukkan penurunan konsisten dan variasi yang lebih besar. Faktor-faktor yang berkontribusi terhadap rendahnya efisiensi IBs mencakup keterbatasan teknologi, kurangnya standardisasi produk, dan kompleksitas regulasi. Temuan ini menekankan pentingnya reformasi struktural dalam sektor perbankan syariah, khususnya dalam adopsi teknologi dan harmonisasi regulasi. Studi ini memberikan wawasan penting bagi regulator, manajemen bank, dan pembuat kebijakan dalam meningkatkan daya tahan dan daya saing sistem perbankan ganda di Indonesia pada masa krisis keuangan.
NEEDS ANALYSIS FOR DEVELOPING AN INTEGRATED ETHNOSCIENCE BLENDED LEARNING INQUIRY MODEL IN THE BIOLOGY EDUCATION STUDY PROGRAM Sari, Ermina; Martalasari, Martalasari; Awal, Raudhah; Afidah, Mar’atul; Wahyuni, Sri
Bio-Lectura : Jurnal Pendidikan Biologi Vol. 12 No. 1 (2025)
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/hkrcb967

Abstract

One of the learning models that is still being implemented after the pandemic ends is blended learning. This study aims to analyze the needs of developing an Inquiry Blended Learning model integrated with ethnoscience in the biology education study program, Lancang Kuning University. The needs analysis in the development of this ethnoscience integrated Inquiry Blended Learning model is in the define phase in the 4D model development research (Define, Design, Develop, Disseminate). The method used is descriptive qualitative. The research instrument used was a questionnaire to analyze the needs of educators and students for the development of an inquiry blended learning model integrated with ethnoscience. The results showed the level of importance of this learning development obtained a kappa moment score from the student response of 0.90 and 0.81 (Very high category) from the lecturer's response. Based on these results it can be concluded that the development of Inquiry Blended Learning integrated with Ethnoscience is needed by students and lecturers in the Biology Education Study Program, Faculty of Education and Vocational Education. 
Apakah Harga Saham Dipengaruhi Oleh Faktor Fundamental Perusahaan? Studi Kasus Pada Perusahaan Perbankan Syariah di Indonesia Sari, Ermina
JURNAL ILMU MANAJEMEN SABURAI Vol 11, No 1 (2025): JURNAL ILMU MANAJEMEN SABURAI (JIMS)
Publisher : Universitas Sang Bumi Ruwa Jurai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24967/jims.v11i1.4079

Abstract

Tujuan penelitian ini adalah untuk mengetahui apakah factor fundamental perusahaan yang diukur melalui fundamental keuangan (ROA, ROE dan DER) dan fundamental pasar (Tobin's Q ) dapat mempengaruhi nilai saham pada perbankan syariah di Indonesia. Dengan waktu pengamatan selama empat tahun (2021-2024). teknis analisis data yang digunakan adalah dengan menggunakan program SPSS Statistics versi 26. Hasil penelitian menunjukan bahwa ROA dan ROE tidak berpengaruh signifikan terhadap harga saham sedangkan DER dan Tobins’Q memilikipengaruh yang signifikan terhadapharga sham pada perusahaan perbankan syariah di Indonesia.
STEM Integration Training in Learning for Teachers of SMK Kesehatan Proskill Indonesia Pekanbaru and Tualang: Pelatihan Integrasi STEM dalam Pembelajaran untuk Guru SMK Kesehatan Proskill Indonesia Pekanbaru dan Tualang Adolf Bastian; Sari, Ermina; Raudhah Awal; Martalasari; Sri Whayuni; Ennie Chahyadi
Dinamisia : Jurnal Pengabdian Kepada Masyarakat Vol. 9 No. 3 (2025): Dinamisia: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/579bd950

Abstract

Science, Technology, Engineering and Mathematics (STEM) education is seen as a way to create quality and competitive human resources entering the Industrial Revolution 4.0 era of the 21st century. The Ministry of Education and Culture of the Republic of Indonesia initiated its own STEM education trend since 2018. However, the STEM education movement in Indonesia is still rare, so STEM education needs to be developed. This service activity is based on the partner's problem, namely that the science teachers at this vocational school do not really know about STEM education, and so far there has never been anything held regarding the introduction of STEM education and how to integrate STEM in lessons. This service activity is carried out through the introduction of STEM education and integrating STEM education in science lessons to improve teacher professionalism. As an evaluation material for the success of implementing this service, participants were given a pretest and post-test regarding the participants' understanding and insight regarding STEM and its integration in learning. Based on the results of the pretest and posttest that have been carried out, it can be concluded that the training activities succeeded in increasing the insight and skills in integrating STEM in learning among science teachers at Proskill Indonesia Health Vocational Schools in Pekanbaru and Tualang, namely by 82.81%. Based on the results of the satisfaction survey regarding the presentation of resource persons, implementation of activities, usefulness and sustainability of activities, they received a good response from training participants.
Co-Authors A.A. Ketut Agung Cahyawan W Adolf Bastian Afidah, Mar’atul Andromeda Andromeda Arlian Firda Darmadi Darmadi Dewindaru, Dini Dinata, Marta Dwi Andani Pandia ENNIE CHAHYADI, ENNIE Fantashe, Dika Fatni Mufit Heni Pujiastuti Jumiati Jumiati Jumiati Jumiati Jumiati Jumiati Juniyanto, Endri Lufri Lufri Mariana Eddy Mariana Mariana Mariana Mariana Marta Dinata Martala Sari Martalasari Martalasari, Martalasari Natalia Denifitria Oktaviani, Ira PRAMA WIDAYAT Prety Novita Rahma Mela Putri Rahmat Ramadansur Raudhah Awal Raudhah Awal Raudhah Awal Ririn Rahmawati Romeka Ria Siska Pratiwi SITI MARYAM Sitohang, Jelly Marsela Sri Wahyuni Sri Wahyuni Sri Whayuni Sri Yuliawati Sudarmin Surya Dailiati Syahdan Syahdan, Syahdan Trio Saputra Wika Syafrida Syar Yasmin, Khairani