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All Journal At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Kajian Ilmu Pendidikan (JKIP)
Salsabila, Zahro
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Economics, Econometrics & Finance Education Social Sciences Other

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Financial Performance Of Sharia Commercial Banks In Indonesia: Does Capital Structure Matter? Syarif, Ahmad; Maulana, Bisma; Salsabila, Zahro; Maulana, Angga
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 9, No 2 (2023): DESEMBER 2023
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v9i2.9940

Abstract

Islamic banking has experienced a surge in financial growth in the last decade. Global economic challenges have encouraged many conventional banks to transform into sharia banks. Sharia banking can increase its operational efficiency by applying debt and equity financing methods by trade-off theory. This research investigates the effect of capital structure as measured by the debt-to-asset ratio (DAR) and debt-to-equity ratio (DER) on the financial performance of Sharia Commercial Banks as measured by return on assets (ROA) and return on equity (ROE). This research is quantitative with multiple linear regression analysis techniques. The data source comes from OJK Sharia Banking Statistics for 2017-2021. This study shows that DAR and DER have a significant effect on ROA. Apart from that, DAR has a substantial impact on ROE. However, this study indicates that DER does not significantly affect ROE.
The Effectiveness Of Flashcard-Based Instruction In Enhancing English Vocabulary Mastery Among EFL Learners: A Systematic Literature Review Ilmah, Sofiyatul; Salsabila, Zahro; Purnama, Arif; Martiarini, Elyza
Jurnal Kajian Ilmu Pendidikan (JKIP) Vol. 7 No. 1 (2026): Jurnal Kajian Ilmu Pendidikan (JKIP)
Publisher : Lembaga Riset dan Inovasi Almatani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/jkip.v7i1.1975

Abstract

Vocabulary mastery is a core component of English language proficiency, particularly for English as a Foreign Language (EFL) learners who have limited exposure to authentic language input. A lack of vocabulary knowledge often restricts learners’ ability to understand texts and communicate ideas effectively. One instructional strategy that has been widely applied to address this issue is flashcard-based instruction, which emphasizes repeated exposure and active recall to support vocabulary retention. This study aims to examine the effectiveness of flashcard-based instruction in enhancing English vocabulary mastery among EFL learners through a systematic literature review. The review follows the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) guidelines to ensure a transparent and systematic research process. Data were collected from peer-reviewed journal articles published between 2020 and 2025 and retrieved via Google Scholar. After the processes of identification, screening, and eligibility assessment, 30 relevant studies were selected for analysis. The findings reveal that flashcard-based instruction has a positive impact on learners’ vocabulary development, with digital flashcards showing higher effectiveness due to the integration of multimedia features and spaced repetition systems. The study concludes that flashcard-based instruction is an effective and practical approach for improving English vocabulary mastery in EFL contexts.
Co-Authors Ahmad Syarif Angga Maulana Ilmah, Sofiyatul Martiarini, Elyza Maulana, Bisma purnama, arif