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ANALISIS PERTUMBUHAN MUDHARABAH BANK MEGA SYARIAH dewi, ratna kusuma; Rais, Harisna
Journal Of Islamic Ekonomic and Business Vol 2 No 1 (2023): IEB: Journal of Islamic Economics and Busines
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v2i1.16981

Abstract This article explains the evolution of Mudharabah in Bank Mega Syariah. Bank Mega Syariah organizes general banking with a profit-sharing system based on Islamic Sharia. and has been operating as a sharia commercial bank since October 16, 2008. Bank Mega Syariah is licensed as a foreign exchange bank. With this status, the bank can conduct foreign transactions and conduct international business. Through this article, the author would like to explain the growth of Mudharabah financing at Bank Mega Syariah. Although it is one of the Islamic banks in Indonesia. However, in 2018-2019 Bank Mega Syariah had a peculiarity where the increase in Mudharabah was not successful. This research uses quantitative methods and literature review methods with descriptive research types. Based on the report, we note that Bank Mega Syariah applies the principle of profit sharing, although there are often deviations in its application. Keywords: Mudharabah, assets, liability, equity, musyarakah

Pengaruh Kinerja Keuangan terhadap Nilai Perusahaan pada Perusahan Sub Sektor Makanan dan Minuman yang Terdaftar di Bursa Efek Indonesia Periode 2019-2022 Nashrullah, Zulkornain; Rizki, Rizki; Dewi, Ratna Kusuma
JYRS: Journal of Youth Research and Studies Vol 5 No 2 (2024): Jurnal JYRS Desember 2024
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/jyrs.v5i2.5360

This study aims to determine the effect of financial performance on company value. Financial performance is measured by the Liquidity (CR), Profitability (ROE), and Solvency (DER) ratios. The objects studied in this study are food and beverage sub-sector companies listed on the Indonesia Stock Exchange (IDX) in the 2019-2022 period. This study is a quantitative study with a population of 84 companies from the food and beverage sub-sector listed on the IDX. Based on the specified criteria, a sample of 8 food and beverage sub-sector companies was obtained using purposive sampling techniques. This study uses descriptive statistical analysis methods, panel data regression, classical assumption tests, and hypothesis tests processed using Eviews 13. The results of the study indicate that partially Current Ratio (CR) has no effect on company value, Return On Equity (ROE) has a positive and significant effect on company value and Debt to Equity Ratio (DER) has a negative and significant effect on value. Meanwhile, simultaneously Current Ratio (CR), Return On Equity (ROE), and Debt to Equity Ratio (DER) have a significant effect on company value with an F-statistic of 0.000751 <0.05.

Supervisi Kepala Sekolah Berbasis Humanistik dalam Peningkatan Kualitas Pembelajaran di SD Negeri 01 Dororejo Dewi, Ratna Kusuma; Soedjono
JURNAL MANAJEMEN PENDIDIKAN DAN ILMU SOSIAL Vol. 6 No. 5 (2025): Jurnal Manajemen Pendidikan dan Ilmu Sosial (Agustus-September 2025)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jmpis.v6i5.5465

Supervisi kepala sekolah tidak hanya berfungsi sebagai alat pengawasan, pembinaan, dan evaluasi kinerja guru, tetapi juga memiliki peran penting dalam meningkatkan kualitas pembelajaran. Penelitian ini dilaksanakan di SD Negeri 01 Dororejo dengan menggunakan metode kualitatif dan pendekatan deskriptif. Teknik pengumpulan data meliputi wawancara, observasi, dokumentasi, dan kajian pustaka. Masalah yang ditemukan adalah kepala sekolah sering kali belum memiliki visi kepemimpinan yang kuat, kurang optimal dalam melaksanakan supervisi, dan belum mampu memberdayakan guru secara maksimal. Hal ini berdampak pada lemahnya budaya mutu sekolah dan kurangnya inovasi pembelajaran yang mendukung peningkatan hasil belajar siswa. Namun, di SD Negeri 01 Dororejo, supervisi kepala sekolah telah menerapkan prinsip-prinsip humanistik melalui kegiatan seperti supervisi individual, kelompok, dan kolaboratif. Pelaksanaannya dilakukan secara terencana, tidak menghakimi, serta melibatkan guru secara aktif sejak tahap perencanaan hingga tindak lanjut. Supervisi ini menciptakan suasana yang lebih dialogis dan mendukung pengembangan profesional guru. Kendati menghadapi berbagai tantangan seperti keterbatasan waktu, sarana, dan persepsi sebagian guru, kepala sekolah mampu mengatasi hambatan tersebut dengan pendekatan yang fleksibel dan partisipatif. Hasilnya, supervisi berbasis humanistik terbukti efektif dalam menciptakan iklim pembelajaran yang positif serta berkontribusi nyata terhadap peningkatan mutu pendidikan di sekolah.

Enhancing Enterprise Usability: Integrating Adaptive UI and Inclusive Design Strategies Purwandari, Nuraini; Dewi, Ratna Kusuma
Data : Journal of Information Systems and Management Vol. 3 No. 1 (2025): January 2025
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/data.v3i1.732

In the last five years, there has been a significant shift in how user interface (UI) and user experience (UX) design are approached within enterprise systems, reflecting the growing demand for more intuitive, adaptive, and inclusive solutions. This study employs a narrative review based on 1,500 initial records screened from Scopus, IEEE Xplore, ACM Digital Library, and Google Scholar (2019–2024). After rigorous selection, 82 empirical studies were included, focusing on user-centered design (UCD), adaptive interfaces, and inclusive practices in enterprise environments.. The review draws upon academic sources indexed in Scopus, IEEE Xplore, ACM Digital Library, and Google Scholar. Keywords including "Enterprise Systems," "User Experience," "Interface Design," and "Adaptive User Interfaces" were utilized to identify relevant literature, with inclusion criteria focusing on empirical studies from the last decade. Findings from 82 included studies show that UCD practices enhance usability and user satisfaction, with some reporting 20–30% higher usability scores and faster task completion rates when end-users are actively involved throughout development.. Adaptive interfaces employing machine learning have demonstrated potential to increase task efficiency and user engagement by personalizing content and layout. Moreover, inclusive design strategies, such as universal accessibility features and assistive technologies, contribute to improved user experiences across ability levels. However, systemic barriers like organizational resistance and limited training still hinder optimal implementation. The review highlights the need for strategic design interventions, ongoing usability assessments, and context-sensitive adaptations. As enterprise systems continue to evolve, future research must explore long-term effects of adaptive design and develop unified frameworks for inclusive, responsive interfaces. These efforts are vital to ensure equitable access and effectiveness of enterprise technologies across global and cross-sectoral contexts.

Sentiment as Signal: Detecting Political Misinformation in Indonesia’s 2024 Election via Lexicon Based NLP Dewi, Ratna Kusuma; Nugroho, Aryo
Digitus : Journal of Computer Science Applications Vol. 2 No. 3 (2024): July 2024
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/digitus.v2i3.951

The 2024 Indonesian presidential election witnessed heightened political discourse on social media, accompanied by an alarming rise in misinformation. This study explores the use of lexicon augmented sentiment analysis as a method to detect hoax content in electoral conversations across Twitter, TikTok, and Meta platforms. By combining sentiment polarity analysis with weak supervision and partial manual validation, we developed a hybrid model tailored to Bahasa Indonesia. Using around 50,000 social media posts combined with a verified hoax index from MAFINDO, we examined how sentiment changed over time within political hashtags. We found that sentiment sharply declined after major events like debates and result announcements. Importantly, posts with very negative tone were 3–9 times more likely to contain misinformation, with 18% directly matching confirmed hoaxes. The hybrid model improved classification accuracy from 64% to 78%, showing its practical potential. The results confirm that sentiment polarity particularly extreme negativity can serve as a leading indicator for misinformation outbreaks. By aligning lexicon based sentiment scores with external verification sources, this framework enables scalable and semi automated detection of political hoaxes in low resource language settings. Ethical considerations in data handling, platform compliance, and demographic inclusivity are emphasized throughout the methodology. This research contributes to computational political analysis by validating a practical, replicable model for electoral misinformation detection. Future work should extend toward multimodal detection, real time dashboards, and participatory collaborations with fact checkers and regulatory bodies.

Policy in Practice: A Systematic Review of WCAG 2.2 and ADA 2024 Effects on Web and Mobile Accessibility Purwandari, Nuraini; Dewi, Ratna Kusuma; Rinaldo; Sucipto, Purwo Agus
Digitus : Journal of Computer Science Applications Vol. 3 No. 2 (2025): April 2025
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/digitus.v3i2.957

Digital accessibility remains a global concern, affecting 1.3 billion people with disabilities. This study evaluates the impact of two policy changes WCAG 2.2 and the 2024 ADA Final Rule on digital interface compliance. A systematic review was conducted using PRISMA 2020 guidelines. Data were sourced from academic databases and regulatory documents spanning 2015–2024. Studies were selected based on their relevance to WCAG/ADA compliance. Quality appraisal was carried out using the Mixed Methods Appraisal Tool (MMAT), and findings were synthesized narratively across web and mobile contexts. WCAG 2.2 added success criteria to improve usability for users with cognitive, motor, and visual impairments. ADA 2024 requires U.S. public sector platforms to meet WCAG 2.1 AA, while the European Accessibility Act shows uneven implementation among member states. WebAIM’s 2024 audit revealed that 95.9% of websites still fail basic accessibility checks, and mobile platforms show even lower compliance. Common issues include poor contrast, missing alt text, and inadequate touch targets. Automated tools alone are insufficient without assistive technology validation. Over reliance on ARIA, limited developer training, and inconsistent policy enforcement persist as barriers to effective implementation. Regulatory updates represent progress but must be supplemented by education, standardized testing protocols, and user involved design practices. Sustainable accessibility requires a shift from reactive compliance to proactive inclusivity, supported by policy, pedagogy, and participatory design.

Enabling Sustainability Through the Internet of Things: A Narrative Review of Global Applications and Challenges Sucipto, Purwo Agus; Dewi, Ratna Kusuma
Digitus : Journal of Computer Science Applications Vol. 3 No. 4 (2025): October 2025
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/digitus.v3i4.1077

The Internet of Things (IoT) has emerged as a transformative framework with broad applications in healthcare, agriculture, energy, and urban systems. This review aims to synthesize current evidence on IoT adoption, assessing both its benefits and the challenges hindering large-scale implementation. Literature was systematically retrieved from major databases, including Scopus, Web of Science, PubMed, and Google Scholar, using targeted keywords and strict inclusion and exclusion criteria. Findings reveal consistent evidence of IoT’s contribution to efficiency and sustainability: precision agriculture improves yields and resource use, while smart energy systems reduce consumption in urban infrastructures. Comparative results demonstrate disparities between developed and developing countries, with advanced economies emphasizing integrated high-tech solutions and resource-limited settings prioritizing affordable, accessible innovations. The discussion highlights the critical role of systemic and policy factors, including regulatory support, infrastructural investment, and societal trust, in shaping adoption outcomes. Emerging technologies such as blockchain and machine learning show promise for addressing challenges of security and energy efficiency but require further empirical validation in real-world contexts. While current research supports IoT’s role in advancing sustainable development, significant gaps remain in understanding its long-term socio-economic impacts and scalability. The findings emphasize the urgency of policy interventions, inclusive strategies, and interdisciplinary research to fully realize IoT’s potential as a driver of sustainable and equitable global transformation.

Co-Designing Inclusive Interfaces: Participatory Approaches to Accessible E-Learning for Learners with Disabilities Dewi, Ratna Kusuma; Sitorus, Anwar T
Digitus : Journal of Computer Science Applications Vol. 3 No. 1 (2025): January 2025
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/digitus.v3i1.1117

Inclusive e-learning environments are essential for equitable access to education, especially for the over one billion people worldwide living with disabilities. However, many e-learning platforms fail to meet accessibility standards due to top-down, non-participatory design approaches. This study aims to evaluate how iterative participatory design methods, including low- and high-fidelity prototyping, impact the accessibility and usability of specific UI elements such as navigation, readability, and input modalities for learners with visual, motor, and cognitive disabilities. The research utilized an iterative participatory design framework involving 15 participants with diverse disabilities (visual, motor, cognitive). Through three stages—needs identification, low-fidelity prototyping, and high-fidelity UI development—users co-designed and evaluated inclusive UI features. Usability was measured through System Usability Scale (SUS) scores, task success rates, completion times, and qualitative interviews. Quantitative results showed a 37% increase in task success rate, a 45% reduction in error count, and an increase in SUS score from 61 to 84. Preferred features included keyboard navigation (93%), font size adjustment (87%), and high contrast modes (82%). Qualitative feedback highlighted the importance of layout consistency, minimal visual clutter, and labeled icons. The study found that participatory design yielded more functional and satisfying UIs than conventional methods and aligned well with accessibility standards like WCAG, UDL, and COGA, while also revealing their practical limitations. Participatory UI design significantly enhances the accessibility and usability of e-learning platforms. Involving users with disabilities as co-creators ensures better alignment with real needs and reinforces the ethical imperative of inclusive education. The findings support institutional adoption of participatory methods to create more equitable digital learning environments

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