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Pengaruh Kecukupan Modal dan Risiko Kredit Terhadap Likuiditas Pada Bank Umum Syariah Yang Terdaftar di Bank Indonesia Gautama, Budhi Pamungkas; Annisa, Rizka; Waspada, Ikaputera
JURNAL PENDIDIKAN AKUNTANSI & KEUANGAN Vol 6, No 2 (2018): JURNAL PENDIDIKAN AKUNTANSI DAN KEUANGAN 2018
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jpak.v6i2.15908

AbstractThis research is based on the increasing number of liquidity of Islamic General Bank which is registered in Bank of Indonesia. The aim of this research is to find out the image of capital adequacy by using CAR indicator, credit risk by using NPF indicator and examine the impact of capital adequacy and credit risk towards the liquidity of islamic general bank which is registered in Bank of Indonesia. The research method used in this research is descriptive and verification method. This research used capital adequacy secondary data, credit risk and liquidity which are based on the financial statements from each bank which have been managed in 2012-2016 period. The analysis technique for this research was by using classical assumption test, regression analysis panel data and hypothesis test. This study used purposive sampling in islamic general bank registered in Bank of Indonesia in 2012-2016 period. This research was done by panel data analysis that was assisted by an application named Eview 8. Based on regression significance test, the capital adequacy and credit risk have influenced the liquidity itself. Based on the regression coefficient test, the capital adequacy gave significant positive effect to the liquidity, while the credit risk gave significant negative effect to liquidity. Keywords. capital adequacy; credit risk; liquidity AbstrakPenelitian ini dilatarbelakangi oleh meningkatnya likuiditas pada Bank Umum Syariah yang terdaftar di Bank Indonesia. Tujuan dari penelitian ini adalah untuk mengetahui gambaran kecukupan modal dengan menggunakan indikator CAR, risiko kredit dengan menggunakan indikator NPF dan likuiditas dengan menggunakan indikator FDR serta menguji pengaruh kecukupan modal dan risiko kredit terhadap likuiditas pada bank umum syariah yang terdaftar di Bank Indonesia. Metode penelitian yang dilakukan dalam penelitian ini yaitu dengan menggunakan metode deskriptif dan verifikatif. Data yang digunakan dalam penelitian ini adalah data sekunder kecukupan modal, risiko kredit dan likuiditas yang bersumber dari laporan keuangan dari masing-masing bank yang sudah diolah periode 2012-2016. Teknik analisis yang dilakukan dalam penelitian ini dengan menggunakan uji asumsi klasik, analisis regresi data panel dan uji hipotesis. Penelitian ini menggunakan teknik penelitian dengan cara purposive samplingpada bank umum syariah yang terdaftar di Bank Indonesia periode 2012-2016. Penelitian ini dilakukan menggunakan analisis data paneldengan dibantu oleh aplikasi Eviews 8. Berdasarkan uji keberartian regresi, kecukupan modal dan risiko kredit berpengaruh terhadap likuiditas. Berdasarkan uji koefisien regresi, kecukupan modal berpengaruh positif signifikan terhadap likuiditas, sedangkan risiko kredit berpengaruh negatif signifikan terhadap likuiditas. Kata kunci. kecukupan modal; risiko kredit; likuiditas

ANALISIS PENGARUH CURRENT RATIO (CR), DEBT TO EQUITY RATIO (DER), RETURN ON ASSETS (ROA) TERHADAP PRICE TO BOOK VALUE (PBV), DENGAN DIVIDEND PAYOUT RATIO SEBAGAI VARIABEL INTERVENING Annisa, Rizka; Chabachib, Mochammad
Diponegoro Journal of Management Volume 6, Nomor 1, Tahun 2017
Publisher : Faculty of Economics and Business Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (123.381 KB)

Price to book value is one of the variables used by investors to make investment decisions. Judging from the information value of book value per year and also the ratio of the previous year in the independent variable so that investors can determine the pace of further investment. This study aimed to analyze the influence of Current Ratio, Debt to Equity Ratio, Return on Assets to Price to Book Value by using the Dividend Payout Ratio as an intervening variable in the manufacturing industry sector companies listed on the Stock Exchange 2011-2014 period. This study uses 24 manufacturing companies listed in Indonesia Stock Exchange (BEI) during the period 2011-2014 as the sample. Determination of the samples was done by purposive sampling method. The analysis technique used is regression analysis and path analysis. Furthermore, Sobel test is used to test the strength in the interest of the indirect effect of independent variables on the dependent variable by an intervening variable. The results showed that CR has negative effect and not significant on PBV, while DER has significant positive effect on PBV. ROA has significant positiveÂ effect on PBV and DPR has significant positive effect on the DER. Furthermore, Sobel test results show that DPR cannot mediate the effect of CR on PBV and also DPR cannot mediate the effect of DER on PBV while DPR can mediate the effect of ROA on PBV.

DAMPAK PENGGUNAAN METODE TUTOR SEBAYA TERHADAP KUALITAS BELAJAR SISWA PADA PEMBELAJARAN TARI DI SMP NEGERI 17 PADANG Annisa, Rizka; Indrayuda, Indrayuda
SENDRATASIK UNP Vol 8, No 2 (2019): Seri A Desember 2019
Publisher : FBS Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jsu.v8i2.106641

AbstractÂ This study aims to describe the impact of the use of peer tutor method toward the quality of the students learning in dance learning at class VIII.5 in SMP Negeri 17 Padang. This type of study was a qualitative with using descriptive method. The object in this study was the students of class VIII.5 in SMP Negeri 17 Padang that totaling 30 students with material on applying floor patterns to dance moves. The main instrument in this study was the researcher and it was assisted by using supporting instruments such as observation sheets, notebooks, and camera. These types of data used primary data and secondary data. Techniques of data collection were carried out by doing observation, interview, literature study and documentation. Data was analyzed with some steps, namely collecting, reducting; displaying; and verificating data. The result shows that the use of the peer tutor method in dance learning at class VIII. 5 is well done. The result is achieved by the students from the daily test scores that 96% of the students have completed in learning material about the application of the floor pattern to dance moves. This proves that the impact of the use of peer tutor method can improve the quality of the student learning in dance learning in SMP Negeri 17 Padang. Although there are problems in learning to practice the dance moves, the teacher who teaches still has a solution for the students so that the quality of the student learning still improves good results.Â Keywords: Peer Tutor Method, Learning Quality, and Dance Learning.

PENERAPAN PENURUNAN NILAI INSTRUMEN KEUANGAN BERDASARKAN PSAK 50 DAN 55 (REVISI 2006) DAN PERUBAHAN YANG HARUS DILAKUKAN PERUSAHAAN Rizka Annisa
Bina Ekonomi Vol. 15 No. 1 (2011)
Publisher : Center for Economic Studies Universitas Katolik Parahyangan

Convergence between US GAAP and IFRS certainly affect to accounting standard that occur now in Indonesia. Indonesia is harmonizing with IFRS and revising several standards so that it will comply with International Standard. One of the standard that being revised is PSAK 50 (Presentation and Disclosure of Financial Instrument) and PSAK 55 (Recognition and Measurement of Financial Instrument). Along with harmonization and applying fair value accounting, financial instrument need to be assessed to their market value if there is descent of the value, the financial instrument need to be impaired. With applying PSAK 50 and 55 (revision 2006), the impairment process should be supported by reliable, documented data, and need another data to prove that the value of financial instrument is descent. Company has to prepare themself to face the changes that happened, which is changes in information system, organization, technology and human resource. In addition, company should understand overall of PSAK 50 and PSAK 55, because there is a lot of detailed rules in this revision.

STRATEGI PENINGKATAN SUSTAINABLE DEVELOPMENT GOALS DESA MELALUI MANAJEMEN KEUANGAN BERDASARKAN MAQASHID SYARI’AH ( STUDI LITERATUR) Annisa, Rizka; Ni’mati Rahmatika, Arivatu; Widyaningsih, Bekti
Izdihar: Jurnal Ekonomi Syariah Vol. 4 No. 02 (2024): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v4i02.4918

This research aims to explore strategies to improve Sustanable Development Goals (SDGs) at the village level through the implementation of financial management based on Maqashid Shari'ah principles. SDGs is a new development agreement, which encourages changes to shift towards sustainable development to encourage social, economic and environmental development. In the Village SDGs with the existence of financial management in the village is one of the most important things in financial operations in order to make sustainable development. The results show that the implementation of financial management aligned with Maqashid Shari'ah not only improves the economic welfare of village communities, but also strengthens moral and social values, which overall supports the achievement of SDGs. Thus, the integration between Maqashid Shari'ah-based financial management and Village SDGs offers a comprehensive and sustainable approach to prosperous and equitable village development.

The Correlation Between Students’ Motivation and Their Speaking Achievement Annisa, Rizka; Ilma, Ridha; Sartika, Eka
PROJECT (Professional Journal of English Education) Vol. 8 No. 1 (2025): VOLUME 8 NUMBER 1, JANUARY 2025
Publisher : IKIP Siliwangi

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Speaking is a vital skill in language learning, and a student's motivation significantly influences their willingness and ability to improve their speaking Achievement. This study aimed to determine the significant correlation and influence of students' motivation on their speaking achievement. A quantitative research approach with a correlation design was employed. The population consisted of 246 eleventh-grade students at a private high school in Palembang. The researchers used a cluster random sampling technique to select the sample. Data were collected using the Attitude/Motivation Test Battery (AMTB) questionnaire and a speaking test. The results showed no statistically significant correlation between students' motivation and their speaking achievement, as the obtained correlation coefficient (r-obtained) of 0.106 was lower than the critical value (r-table) of 0.339. Additionally, the two-tailed significance level was .550, indicating that the p-value (.550) exceeded the threshold of .005. Therefore, the null hypothesis (H01) was accepted.

Edukasi Keluarga Dalam Gizi Seimbang Pada Anak Di Wilayah Kerja Puskesmas Sidomulyo, Kota Pekanbaru Afri Ningsih, Rena; Aminarti, Dini; Sartika, Dewi; Wardhani, Raisha; Annisa, Rizka; Rosdiana; Salmi; Alaika, Sahida Nur; Saputri, Sandra; Agraini, Shela Tri
Jurnal Cendekia Mengabdi Berinovasi dan Berkarya Vol 3 No 1 (2025): Januari
Publisher : Universitas Madako Tolitoli

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56630/jenaka.v3i1.801

Anak usia dini merupakan salah satu kelompok usia yang rentan terhadap masalah gizi. Kesadaran ibu untuk menjaga gizi seimbang pada balita sangatlah penting untuk memastikan asupan makanan dan zat gizi yang cukup untuk mendukung tumbuh kembangnya. Tujuan dari kegiatan pengabdian masyarakat ini adalah untuk mempercepat penurunan prevalensi stunting pada anak dengan meningkatkan pengetahuan ibu tentang risiko stunting dan memberikan penyuluhan gizi kepada keluarga tentang gizi seimbang pada anak di Wilayah kerja Puskesmas Rawat Inap Sidomulyo. Metode kegiatan yang dilakukan adalah ceramah dan diskusi interaktif dengan menggunakan leaflet. Sasaran strategis yang diberikan adalah ibu dan balita di lingkungan Puskesmas Sidomulyo RI. Kegiatan ini dilaksanakan pada tanggal 19 November 2024 pukul 10.00 – 11.00 WIB. Hasil dari kegiatan ini terlihat dari antusiasme masyarakat dan respon positif serta hasil yang menunjukkan adanya peningkatan kesadaran orang tua tentang pentingnya gizi seimbang, serta adanya perubahan positif pada pola makan anak.

FOOD BASKETS DAN EDUKASI KESEHATAN LINGKUNGAN DALAM PENINGKATAN GIZI PENDERITA TUBERKULOSIS PARU DI KOTA MEDAN Silalahi, Novrika; Malau, Pitto Pratiwi; Tampubolon, Elmina; Annisa, Rizka
Jurnal Penelitian Kesmasy Vol 8 No 1 (2025): Jurnal Penelitian Kesmasy
Publisher : Fakultas Kesehatan Masyarakat Institut Kesehatan Deli Husada Delitua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36656/jpksy.v8i1.2592

Pulmonary tuberculosis (TB) remains a major public health problem in Indonesia, including in Medan City. Malnutrition among TB patients worsens prognosis and delays recovery. Nutrition-based interventions such as Food Baskets combined with environmental health education are expected to improve nutritional status while preventing TB transmission at the household level. This study applied a quasi-experimental design with a pre-post test control group. A total of 30 pulmonary TB patients were enrolled and divided into an intervention group (n=15; received Food Baskets + environmental health education) and a control group (n=15; standard care). Data collected included body weight, energy intake, protein intake, hemoglobin, albumin, knowledge score, and environmental health behavior score. Data were analyzed using paired t-tests and independent t-tests, with significance set at p < 0.05. The intervention group showed a significant increase in body weight (+2.6 ± 0.9 kg) compared to the control group (+1.0 ± 0.8 kg, p < 0.001). Energy intake increased by +370 kcal/day in the intervention group versus +110 kcal/day in the control (p < 0.001). Protein intake increased by +15 g/day in the intervention group versus +4 g/day in the control (p < 0.001). Knowledge scores improved from 58 to 82, while environmental health behavior scores increased from 60 to 83 (p < 0.001). Food Baskets combined with environmental health education are proven effective in improving nutritional status, knowledge, and health behavior of pulmonary TB patients. This intervention can serve as an additional strategy in community-based TB control programs.

STRATEGI PENINGKATAN SUSTAINABLE DEVELOPMENT GOALS DESA MELALUI MANAJEMEN KEUANGAN BERDASARKAN MAQASHID SYARI’AH ( STUDI LITERATUR) Annisa, Rizka; Ni’mati Rahmatika, Arivatu; Widyaningsih, Bekti
Izdihar: Jurnal Ekonomi Syariah Vol. 4 No. 02 (2024): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v4i02.4918

This research aims to explore strategies to improve Sustanable Development Goals (SDGs) at the village level through the implementation of financial management based on Maqashid Shari'ah principles. SDGs is a new development agreement, which encourages changes to shift towards sustainable development to encourage social, economic and environmental development. In the Village SDGs with the existence of financial management in the village is one of the most important things in financial operations in order to make sustainable development. The results show that the implementation of financial management aligned with Maqashid Shari'ah not only improves the economic welfare of village communities, but also strengthens moral and social values, which overall supports the achievement of SDGs. Thus, the integration between Maqashid Shari'ah-based financial management and Village SDGs offers a comprehensive and sustainable approach to prosperous and equitable village development.

Pengaruh Tabungan Mudharabah Dan Deposito Mudharabah Terhadap Pembiayaan Mudharabah Annisa, Rizka; Kholil, Ahmad; Seri, Ermyna
Jurnal Bilal: Bisnis Ekonomi Halal Vol. 2 No. 1 (2021): Edisi Juni 2021
Publisher : Politeknik Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (303.209 KB)

This research aims to determine the effect of mudaraba savings and mudaraba deposits on mudaraba financing at PT Bank Sumut Branch Syariah Medan period January 2015-December 2019 partially and simultaneously. The samples in this study were 60. This study uesd a balance sheet and monthly income statement as secondary data obtained from PT Bank Sumut Branch Syariah Medan. The method that used for testing this study are descrptive statistic, multiple linear regression analyse, simultant test (F test), determination test, and partial test (t test) with a significance level 5 percent (α = 0,05) and data is processed by using software SPSS 24. Based on partial test ini this study showed that the mudaraba savings positive and has no significant effect with a significance level 0,196, whereas mudaraba deposits positive and has significant effect with significance level 0,000. Simultaneously, mudaraba savings and deposits savings significantly influence mudaraba financing with a significance level 0,000. Penelitian ini bertujuan untuk mengetahui pengaruh tabungan mudharabah dan deposito mudharabah terhadap pembiayaan mudharabah pada PT Bank Sumut Cabang Syariah Medan periode Januari 2015-Desember 2019 secara parsial dan simultan. Sampel dalam penelitian ini sebanyak 60. Penelitian ini menggunakan neraca dan laporan laba rugi bulanan sebagai data sekunder yang diperoleh dari PT Bank Sumut Cabang Syariah Medan. Metode yang digunakan dalam penelitian ini adalah statistik deskriptif, analisis regresi linier berganda, uji simultan (F), uji determinasi, dan uji parsial (t) dengan tingkat signifikan sebesar 5 persen (α = 0,05) yang diolah dengan bantuan software SPSS 24. Berdasarkan uji parsial hasil penelitian ini menunjukkan bahwa tabungan mudharabah berpengaruh positif dan tidak signifikan dengan tingkat signifikansi sebesar 0,196, sedangkan deposito mudharabah berpengaruh positif dan signifikan dengan tingkat signifikansi 0,000. Secara simultan tabungan mudharabah, deposito mudharabah berpengaruh signifikan terhadap pembiayaan mudharabah dengan tingkat signifikansi sebesar 0,000.

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