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Analisis Pengaruh CAR, NPL, dan LDR Pada ROA Bank Cimb Niaga Tahun 2003–2023 -, Muhammad; putri sesa lestari an; Humaira; Septi Sartika Sari; Annisa Aprisila Handini; Fazhar Sumantri
MIZANIA: Jurnal Ekonomi Dan Akuntansi Vol. 4 No. 2 (2024): Mizania: Jurnal Ekonomi dan Akuntansi
Publisher : Economics and Business Faculty UNUSIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47776/mizania.v2i2.1654

Abstract

Dilakukannya kajian ini adalah untuk menginvestigasi hubungan antara capital adequacy ratio (CAR), non performing loan (NPL) dan loan to deposit ratio (LDR) pada return on assets (ROA) pada Bank CIMB Niaga selama periode 2003–2023. Menggunakan metode kuantitatif dengan analisis regresi linier berganda, penelitian ini menemukan bahwa NPL berpengaruh negatif signifikan pada ROA, sedangkan CAR dan LDR tidak berpengaruh secara parsial. Secara simultan, ketiga variabel menunjukkan pengaruh signifikan bagi ROA dengan koefisien determinasi sebesar 36,3%, mengindikasikan adanya faktor lain di luar model yang berkontribusi lebih besar pada fluktuasi ROA. Temuan ini memperkuat pentingnya pengelolaan risiko kredit dalam mempertahankan stabilitas profitabilitas bank, serta mendorong penelitian lanjutan dengan memasukkan variabel eksternal makroekonomi.
APPLICATION OF THE TIME TOKEN ARENDS LEARNING MODEL IN SCIENCE LEARNING TO IMPROVE STUDENTS' LEARNING OUTCOMES IN ELEMENTARY SCHOOL/MI Mawardi, Mawardi; Humaira
PIONIR: JURNAL PENDIDIKAN Vol. 14 No. 2 (2025): PIONIR: JURNAL PENDIDIKAN
Publisher : Prodi PGMI FTK UIN Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/4cmy4c71

Abstract

of teachers in implementing learning, in accordance with the field of study that is their responsibility. Teacher readiness is shown pedagogically, namely in choosing and determining the right learning model, in accordance with the subject matter and characteristics of students. Initial data on science learning in class V MIN 26 Aceh Besar, showed that most of the students' learning outcomes had not been able to achieve the KKM (Minimum Completion Criteria), which was 70. The purpose of this study is to analyze teacher and student activities, as well as student learning outcomes using the Arends time token learning model in IPAS learning in elementary schools. The research method used was classroom action research. Data collection was carried out in accordance with the stages of classroom action research, namely planning, implementation, observation, and reflection of learning, as well as assessment of student learning outcomes. The results of the study found that teacher activity in cycle I was categorized as good (79.00%), while in cycle II teacher activity increased very well (91.40%). Student activity in cycle I was categorized as good (78.10%), while in cycle II student activity experienced a very good increase (92.40%). Student learning outcomes in cycle I were completed (53.33%). In cycle II student learning outcomes increased by achieving a complete score (86.70%). The results of the cycle I and cycle II tests showed that the application of the Time Token Arends learning model could improve student learning outcomes at MIN 26 Aceh Besar. Analysis of the results of this study showed that active participation in student learning through the application of the time token Arends learning model correlated with the improvement and strengthening of student understanding of the material taught by the teacher, which was indicated by an increase in student learning outcomes. Keywords: Time token arends, learning outcomes
ANALISIS FAKTOR- FAKTOR RISIKO KESEHATAN PADA PETANI TOMAT TERHADAP PAPARAN PESTISIDA KLORPIRIFOS DI WILAYAH PUSKESMAS BUKIT KABUPATEN BENER MERIAH Humaira; Elyarianti; Alamsyah, Sanjaya
Jurnal Ilmiah Cerebral Medika Vol. 7 No. 1 (2025): JURNAL ILMIAH CEREBRAL MEDIKA
Publisher : Akper Kesdam I/Bukit Barisan Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53475/jicm.v7i1.197

Abstract

ABSTRACT Pesticides are one of the important substances in agriculture that can help farmers and have an important role in overcoming the problem of pest organisms on agricultural land. Pesticides are one of the important substances in agriculture that can help farmers and have an important role in overcoming the problem of pest organisms on agricultural land. Farmers' knowledge also influences the causes of poisoning caused by the use of pesticides. The level of knowledge will influence the incidence of pesticide poisoning in farmers, especially if farmers do not use Personal Protective Equipment (PPE). The aim of this research is to analyze the health risks of tomato farmers regarding exposure to the pesticide chlorpyrifos in the Bukit Health Center area, Bener Meriah Regency in 2024. This research design uses analytical descriptive with a cross sectional study design. The samples taken were 54 respondents. The sampling technique uses random sampling technique, namely random sampling. This research was carried out in the Bukit Health Center area of Bener Meriah Regency from 12 July to 04 August 2024. The results of statistical analysis using the Chi Squer test obtained a P value = 0.001 < 0.05, this shows that there is a relationship between the knowledge of tomato farmers and exposure. Chlorpyrifos pesticide, P value = 0.003 < 0.05, this shows that there is a relationship between the attitudes of tomato farmers towards exposure to the pesticide chlorpyrifos, and the P value = 0.002 < 0.05, this shows that there is a relationship between the use of personal protective equipment for tomato farmers and exposure. Chlorpyrifos pesticide in the Bukit Bener Meriah District Health Center area in 2024. It is hoped that this research can bring changes in society for the better, especially for the people in the Bukit Bener Meriah District Health Center working area and provide new knowledge about Health Risk Factors for Farmers Tomatoes Against Exposure to the Pesticide Chlorpyrifos. Keywords : Knowledge, Attitude, Use of Personal Protective Equipment, Exposure Chlorpyrifos pesticide
Pengetahuan Perawat Tentang Perawatan Luka Metode Moist Wound Healing Di Rs Pmi Aceh Utara humaira; Mursal; Abrar`
Jurnal Assyifa: Jurnal Ilmu Kesehatan Lhokseumawe Vol. 6 No. 1 (2021): Januari 2021
Publisher : Sekolah Tinggi Ilmu Kesehatan Muhammadiyah Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (279.196 KB) | DOI: 10.54460/jifa.v6i1.2

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Luka merupakan kerusakan integritas kulit yang disebabkan oleh banyak hal seperti gesekan, trauma, suhu, infeksi dan lainnya. Angka kejadian luka setiap tahun semakin meningkat, baik luka akut maupun luka kronis. Sebuah penelitian terbaru di Amerika menunjukkan prevalensi pasien dengan luka adalah 3.50 per 1000 populasi penduduk. Mayoritas luka pada penduduk dunia adalah luka karena pembedahan/trauma (48.00%), ulkus kaki (28.00%), luka dekubitus (21.00%). Moist wound healing merupakan metode terkini yang efektif menyembuhkan luka. Tujuan untuk mengetahui tingkat pengetahuan perawat tentang perawatan luka metode moist wound healing. Penelitian ini bersifat deskriptif dengan jumlah populasi 60 orang dan jumlah sampel 36 orang dengan teknik pengambilan sampel secara purposive sampling yaitu teknik pengmbilan sampel dengan kriteria yang ditentukan sebanyak 36 responden. Penelitian ini dilakukan di RS PMI Aceh Utara dengan menggunakan lembar kuisioner. Analisa statistik yang digunakan adalah analisa univariat. Hasil penelitian menunjukkan sebanyak 19 responden (52,8%) memiliki pengetahuan yang cukup dan 11 responden (30,6%) memiliki pengetahuan kurang. Data tersebut menunjukkan mayoritas responden memiliki pengetahuan yang cukup dan kurang. Disarankan bagi pihak RS agar dapat menfasilitasi pealtihan perawatan luka bagi perawat sehingga pebgetahuan dan ketrampilan perawat menjadi lebih baik yang berdampak pada peningkatan kualitas asuhan keperawatan
INNOVATION IN TEACHING WRITING POETRY USING THE TALKING STICK MODEL Siti Lamusiah; Humaira; Niswatun Hasanah
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 9 No. 04 (2024): Volume 09, Nomor 04, Desember 2024
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v9i04.18331

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The significance of poetry learning using the Talking Stick innovation lies in its ability to help students develop essential language and literacy skills. Through the activities of reading and writing poetry, students can master language in various forms, develop personal expression, and create meaning. The aim of this study is to assess the extent to which the Talking Stick model can enhance students' creativity in writing poetry and to identify various aspects of creativity that emerge during the poetry writing learning process with the Talking Stick model. This research was conducted at SD 2 Aisyiyah Kota Mataram, involving 16 students as research subjects. The method used is Classroom Action Research (CAR), with qualitative and quantitative descriptive data analysis. The results of the study showed an increase in the students' Minimum Competency Criteria (KKM) scores from cycle I to cycle II. In cycle I, the average KKM score was 72 without using the Talking Stick model in poetry writing learning. However, in cycle II, after implementing the Talking Stick model in poetry writing learning, the average KKM score increased to 76. This indicates that the Talking Stick model has proven effective in enhancing student engagement and participation, and can improve creativity and learning outcomes.
DI BALIK TRADISI BAANTARAN JUJURAN: Simbol dan Makna Perkawinan Adat Banjar dalam Perspektif Hukum Islam Humaira; Nasrun Jauhari
Usrotuna: Journal of Islamic Family Law Vol. 2 No. 2 (2025): Usrotuna: Journal of Islamic Family Law
Publisher : Taskuliah Edukasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66277/usrotuna.v2i2.39

Abstract

The Baantaran Jujuran procession constitutes an essential element in the sequence of Banjar customary marriage rituals, which continues to be preserved and regarded as sacred as part of ancestral heritage. This tradition embodies cultural symbols that carry significant social functions and normative values, while Banjar society, predominantly Muslim, adheres to Islamic law as the principal guideline in the implementation of marriage. This study aims to analyze the symbols and meanings embedded in the Baantaran Jujuran procession and to examine its legal standing within Banjar customary marriage from the perspective of Islamic law. This research employs a qualitative method with a descriptive-analytical approach, drawing upon library research and relevant field data, framed within an Islamic legal analysis based on the concept of ‘urf and the principle of maslahah. The findings indicate that the symbols present in the Baantaran Jujuran procession consistently appear in every Banjar customary marriage and function as representations of respect, responsibility, and the readiness of the prospective groom to establish a household. This tradition serves not merely as a ceremonial ritual but also as a social mechanism that strengthens kinship relations and provides social legitimacy to the marriage. The study concludes that the Baantaran Jujuran procession may be classified as ‘urf ṣaḥīḥ, as it does not contradict the principles of Islamic law and contains values of maslahah that are relevant to the objectives of marriage in Islam. Contribution: The contribution of this research lies in strengthening Islamic legal studies grounded in local wisdom, while also offering an analytical framework for integrating customary traditions with Islamic normative principles in the marital practices of Muslim communities. [Tradisi prosesi baantaran jujuran merupakan bagian penting dalam rangkaian perkawinan adat Banjar yang hingga kini masih dilestarikan dan dipandang sakral sebagai warisan leluhur. Tradisi ini mengandung simbol-simbol budaya yang memiliki fungsi sosial dan nilai normatif, sementara masyarakat Banjar secara mayoritas beragama Islam yang menjadikan syariat sebagai pedoman dalam pelaksanaan perkawinan. Penelitian ini bertujuan untuk menganalisis simbol dan makna yang terkandung dalam prosesi baantaran jujuran serta menilai kedudukannya dalam perkawinan adat Banjar dari perspektif hukum Islam. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif-analitis, melalui studi kepustakaan dan data lapangan yang relevan, dengan kerangka analisis hukum Islam berbasis konsep ‘urf dan prinsip kemaslahatan. Hasil penelitian menunjukkan bahwa simbol-simbol dalam prosesi baantaran jujuran secara konsisten hadir dalam setiap pelaksanaan perkawinan adat Banjar dan berfungsi sebagai representasi penghormatan, tanggung jawab, serta kesiapan calon pengantin laki-laki dalam membangun rumah tangga. Tradisi ini tidak hanya berperan sebagai ritual seremonial, tetapi juga sebagai mekanisme sosial yang memperkuat relasi kekeluargaan dan legitimasi sosial perkawinan. Kesimpulan penelitian ini menunjukkan bahwa prosesi baantaran jujuran dapat dikategorikan sebagai praktik ‘urf ṣaḥīḥ karena tidak bertentangan dengan prinsip-prinsip syariat Islam dan mengandung nilai kemaslahatan yang relevan dengan tujuan perkawinan dalam Islam.] Kontribusi: Kontribusi penelitian ini terletak pada penguatan kajian hukum Islam berbasis kearifan lokal, sekaligus memberikan kerangka analitis bagi integrasi antara tradisi adat dan norma syariat dalam praktik perkawinan masyarakat Muslim.
Development of an Interactive Chatbot Using Sahabat-AI Model with Retrieval-Augmented Generation Method Apridal, Fauzi Isyrin; Humaira; Nova, Fitri
Jurnal Teknologi Informasi dan Pendidikan Vol. 19 No. 1 (2026): Jurnal Teknologi Informasi dan Pendidikan
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jtip.v19i1.1105

Abstract

The rapid advancement of language-based artificial intelligence, particularly Large Language Models, has enabled the development of adaptive and context-aware virtual assistants. This research aims to develop an interactive chatbot for Politeknik Negeri Padang utilizing the Sahabat-AI model (Gemma2 9B CPT), a large-scale model specialized in Bahasa Indonesia and local dialects (Javanese, Sundanese), combined with the Retrieval-Augmented Generation (RAG) method to enhance document-based answer accuracy. The system architecture integrates a Streamlit-based user interface supporting text/voice input and multilingual output, an automated web-scraping module using Scrapy to update institutional data, a structured knowledge base in Supabase, and a semantic vector search with FAISS. The development process followed a systematic design and implementation approach, with the RAG pipeline incorporating all-indo-e5-small-v4 embeddings to ensure semantic relevance. Performance evaluation using LangSmith demonstrated that Sahabat-AI outperformed Llama 3, achieving an average score of 0.84 (correctness: 0.89, relevance: 0.90, groundedness: 0.80, retrieval quality: 0.77) in Indonesian language testing. The chatbot exhibited strong local language understanding, scoring 0.74 for Javanese and 0.71 for Sundanese, while reducing hallucinations through RAG integration. Black-box testing confirmed the reliability of multimodal features such as speech-to-text and text-to-speech. The findings contribute to the development of the first Sahabat-AI–based multilingual chatbot for Politeknik Negeri Padang, integrating automated document retrieval and embedding pipelines for efficient information services.