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All Journal Journal Of Sharia Banking Insights: Journal of Primary Education Research
Siti Ratna Sari
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Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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COMPARATIVE ANALYSIS OF RISK AND RETURN IN PT. BANK BRI SYARIAH BEFORE AND AFTER SPIN OFF siti ratna sari; darwis harahap; azwar hamid; rahmat annam
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (779.471 KB) | DOI: 10.24952/jsb.v1i2.4432

Abstract

PT. Bank BRI Syariah is one of the banks that performs a spin-off with the aim of making a profit. Researchers use the FDR ratio to assess risk and ROA ratio to assess return at PT. BRI Syariah Bank before and after the spin off. The value of the FDR ratio before and after the spin off fluctuated but net income continued to increase as well as the value of the ROA ratio before and after the spin off fluctuated while net income continued to increase from year to year. The formulation of the problem in this study is whether there are differences in risk and return at PT. BRI Syariah Bank before and after the spin off. The purpose of this study was to analyze the difference in risk and return before and after the spin off. This research is a quantitative research. The data collection technique used is literature study and documentation, through the official website of PT. BRI Syariah, namely www.brisyariah.co.id and the Financial Services Authority, namely www.ojk.go.id. The data analysis technique used descriptive analysis, normality test, sample paired t-test. The data processing process using a computer program, namely SPSS version 22.0. The statistical test results of the paired t-test sample indicate that there are differences in risk (risk) of PT. BRI Syariah Bank before and after the spin off if measured using the Financing to Deposit Ratio (FDR), with a tcount value of 5.288 and a ttable value of 1.70329 (5.288 1.70329). The results of the statistical test of the paired t-test showed that there were differences in the return of PT. BRI Syariah Bank before and after the spin off if measured using Return On Assets (ROA), with a tcount value of 15.318 and a ttable value of 1.70329 (15.318 1.70329).
Teyl by Using Songs and Games in Students’ Learning Motivation Siti Ratna Sari
Insights: Journal of Primary Education Research Vol. 2 No. 1 (2025): Insights: Journal of Primary Education Research
Publisher : Yayasan Insan Mulia Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59923/insights.v2i1.195

Abstract

This study aimed at finding out whether the use of songs and games in teaching English to young learners give an effect in students' learning motivation at MI Brawijaya Trowulan, Mojokerto. In order to achieve the goal of the study, quasi experimental design was utilized. In this study was used 2 classes as the sample, they are experimental group and control group. The questionnaires were used to collect the data. Then the data were analyzed by using Analysis of Covariance (ANCOVA) through SPSS 24. In the process of English teaching learning, the researcher applied 2 songs which are “Jobs Song” and “Eat and Drink All Day Long” and 2 games which are “Suit Game” and “The Mime Game”. The study revealed that TEYL by using songs and games could make young learners enjoy and feel fun the learning process, enthusiastic, become confident to perform, and involved to be participant. Consequently, the result of this study has enhanced the students’ learning motivation.
Co-Authors Azwar Hamid Harahap, Darwis rahmat annam