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ANALISIS PERBEDAAN RASIO KEUANGAN BANK UMUM KONVESIONAL DAN BANK UMUM SYARIAH SERTA PENGARUHNYA TERHADAP PENYALURAN KREDIT ATAU PEMBIAYAAN (Studi empiris yang tedrdaftar di BEI periode 2013-2016) Dika Ismawati; Edy Supriyono
Magisma: Jurnal Ilmiah Ekonomi dan Bisnis Vol 5 No 1 (2017): Magisma
Publisher : Magister Manajemen STIE Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (277.499 KB) | DOI: 10.35829/magisma.v5i1.9

Abstract

This study aims to obtain evidence of differences in financial ratios of conventional commercial banks and sharia commercial banks, as well as the influence of financial ratios, liquidity, capital adequacy, problem loans, profitability, operating efficiency of lending. This study uses secondary data. The sample in this research is conventional commercial bank and sharia public bank listed on BEI with 4 year observation period (2013-2016). This sample was chosen by purposive sampling method. Independent sample t-test is used to test whether there is difference of average of two interconnected samples, multiple linear regression is used as data analysis technique as many as 148 general data of banking company, conventional bank and syariah commercial bank as many as 44 company data period 2013-2016 . The results of this study indicate that there are differences in average liquidity, problem loans, profitability, operating efficiency, While the average capital adequacy there is no significant difference between conventional commercial banks and sharia banks. While liquidity and profitability have a positive effect on lending, non performing loans and operating efficiency have a negative effect on lending, and capital adequacy does not affect credit disbursement.
SEBARAN LOGAM BERAT DALAM SEDIMEN ESTUARI WAKAK-PLUMBON, SEMARANG, JAWA TENGAH Haeruddin .; Harpasis S . Sanusi; Dedi Soedharma; Edy Supriyono; Mennofatria Boer
Jurnal Ilmu-Ilmu Perairan dan Perikanan Indonesia Vol. 12 No. 2 (2005): Desember 2005
Publisher : Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (288.581 KB)

Abstract

Penelitian ini dilakukan dengan tujuan mengamati penyebaran spasial dan temporal logam dalam sedimen estuari Wakak- Plumbon, Semarang, Jawa Tengah, serta kaitannya dengan berbagai faktor yang mempengaruhi distribusinya dlam sedimen (konsentrasi karbon organik total, redoks potensial sedimen dan ukuran butiran sedimen). Untuk mengamati distribusi spasial logam dalam sedimen, sedimen dikumpulkan dari 9 titik pengamatan, 3 titik masing -masing diambil dari Sungai Plumbon, Wakak dan laut. Pengamatan distribusi temporal dilakukan pada 3 stasiun pengamatan di laut (A, B dan C) terhadap 5 logam dominan. Sedimen dikumpulkan dengan Petersen grab, kemudian dianalisis kandungan logamnya dgan menggunakan Spektrofotometer Serapan Atom. Hasil penelitian menunjukkan bahwa logam Pb, Cd dan Ni konsentrasinya lebihtinggi ke arah hulu sungai dan memiliki hubungan negatif dengan salinitas, sehingga sumber masukannya diduga berasal dari hulu. Logam Cu, Cr dan Hg lebih tinggi di laut dan memiliki hubungan positif dengan Salinitas, sehingga sumber masukan diduga berasal dari laut. Logam seng konsentrsainya tinggi di laut dan diduga terjadi secara alami. Selain salinitas, faktor lain yang dominan pengaruhnya terhadap penyebaran logam dalam sedimen estuari Wakak-Plumbon adalah karbon organik total. Konsentrasi logam cenderung lebih tinggi dengan meningkatnya konsentrasi karbon organik total.Kata kunci: penyebaran spasial dan temporal, logam, sedimen dan estuaria Wakak-Plumbon.
CULTURE SHOCK SANTRI ASAL KANGEAN DI PONDOK PESANTREN SALAFIYAH SYAFI’IYAH SUKOREJO SITUBONDO Moch. Nuril Anwar; Edy Supriyono
Maddah : Jurnal Komunikasi dan Konseling Islam Vol. 6 No. 1 (2024): Jurnal Komunikasi dan Konseling Islam
Publisher : Fakultas Dakwah Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/maddah.v6i1.4557

Abstract

This article discusses the culture shock of students from Kangean at the Salafiyah Syafi'iyah Islamic Boarding School in Sukorejo, Situbondo. Culture shock is a situation where a person is not familiar with the social habits of a new culture, so that an individual cannot display behavior that is in accordance with the rules in the new environment. The students from Kangean, who are from the island of Madura, are students who tend to be tough in character. But he will love people who don't hurt him. It is important to know about the community's background in terms of area and geographical conditions because people from the beach have a different character from people from the mountains. From the beach every day they fight the waves, feel the hot atmosphere with the hot sun so that psychologically they are associated with a reactive attitude towards something. When entering a new environment, namely an Islamic boarding school in Java, it was interesting to see how this Satri from Kangean communicated with peo ple of a different culture, and reached the level of culture shock. This research uses a descriptive qualitative research method. A method for examining the status of a group of people, an object, a condition, a system of thought, or a class of events in t he present. The aim of this descriptive research is to create a systematic, factual and accurate description, picture or painting of the facts, characteristics and relationships between the phenomena being investigated. The results of this research are tha t in the adaptation process, Kangean students go through phases of cultural adaptation, such as the honeymoon phase where students from Kangean experience a move so that they will feel happy because they are in a new atmosphere, the Disintegration phase of culture shock where students from Kangean will experience a the feeling of discomfort caused by differences, then the adjustment phase (Reintegration) where the students from Kangean begin to open themselves up to cultural differences, then the Autonomy p hase (familiarity with the situation) phase where a person becomes increasingly able to adapt because he has passed the previous phases like his anxiety and restlessness can be accepted and he accepts all the differences that exist. And the last one is the Independence phase, a phase where they enjoy the existing differences and a person is more confident when faced with the rhythm of a new environment and existing challenges
Pola Komunikasi Orang Tua Terhadap Anak di Pagerungan Besar Sumenep Rayendra Imrona Yanji; Yohandi; Edy Supriyono
Maddah : Jurnal Komunikasi dan Konseling Islam Vol. 6 No. 2 (2024): Jurnal Komunikasi dan Konseling Islam
Publisher : Fakultas Dakwah Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/maddah.v6i2.5523

Abstract

This research discusses communication patterns that occur between parents and children in Pagerungan Besar Village, Sapeken District, Regency, with the main problem being how parents communicate with children in an effort to build positive morals. The aim is to describe the form of communication between parents and children in Pagerungan Besar village, Sumenep. This type of research is descriptive qualitative. The research approach used is an interpersonal communication approach. The research subject is Mr Muhnadin's family. Data collection methods use observation, interview and documentation techniques. The data analysis technique used is source triangulation. The results of the research show that there are two forms of communication used by parents to instill morals in children, namely first, linear, interactional and transactional communication patterns. These three patterns cannot be separated because they are interconnected with one another. Second, the dialogic interpersonal communication model used by parents towards their children to create an atmosphere that is not boring so that children easily understand what the parents want. One of the meanings of the resulting communication pattern for children is increasing the child's motivation so that the child gets achievements at school and the second is having a positive personality in everyday life so that it does not bother parents.
ANALISIS KONSEPSI DAN MAKNA BUSANA SANTRI PUTRA PONDOK PESANTREN SALAFIYAH SYAFI’IYAH SUKOREJO Moch. Nuril Anwar; Edy Supriyono
Maddah : Jurnal Komunikasi dan Konseling Islam Vol. 7 No. 1 (2025): Jurnal Komunikasi dan Konseling Islam
Publisher : Fakultas Dakwah Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/maddah.v7i1.6675

Abstract

This article reveals the concept of Islamic boarding schools towards the clothing of students at the Salafiyah Syafi'iyah Sukorejo Situbondo Islamic Boarding School and the meaning of communication of clothing used by some students that do not meet customary norms. Islamic boarding schools are the oldest educational institutions in Indonesia that still exist and consistently teach and practice Islamic teachings. Including one of them about the practice of student clothing. In 2016, the author saw at the Salafiyah Syafi'iyah Sukorejo Islamic Boarding School there was a phenomenon of the clothing style of some students that did not comply with customary norms of the Islamic boarding school. The portrait of the clothing style of male students was seen to be influenced by foreign culture. Especially those that dominate European clothing styles or what are Vol. 7 No. 1 Januari 2025263 | J U R N A L K O M U N I K A S I D A N K O N S E L I N G I S L A Moften known as western clothing styles. Starting from clothes (t-shirts) with skull pictures, pictures of women without hijab, wearing pencil pants and also some wearing necklaces. Even though the Islamic boarding school has provided clear rules and is reinforced by a circular from the Islamic boarding school management. This study focuses on qualitative data processing with field research. This type of research is descriptive, describing research questions that contain answers about the phenomenon of the dress code of male students of the Salafiyah Syafi'iyah Sukorejo Situbondo Islamic Boarding School in 2016. The results are that the minimum standard of dress of students of the Salafiyah Syafi'iyah Sukorejo Situbondo Islamic Boarding School is 3, namely covering the aurat, not tasabbuh and following the norms of the pesantren. The meaning of communication displayed by students who do not wear clothes according to the norms of the pesantren is 2, namely depicting identity and imitating because of trends.
Influence of Remote Auditing, CAATs, and Professional Skepticism on Audit Quality : A Central Java Case Vicky Pratama Mahardika; Edy Supriyono; Nurmadi Harsa Sumarta
International Journal of Economics, Management and Accounting Vol. 2 No. 2 (2025): International Journal of Economics, Management and Accounting
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijema.v2i2.607

Abstract

This study aims to find empirical evidence regarding the influence of remote audits, Computer Assisted Audit Techniques, and Professional Skepticism on Audit Quality. This study utilizes a survey method by distributing questionnaires to auditors working for the Central Java Provincial Representative Audit Board (BPK). The sample was determined using the Slovin formula with a 10% error tolerance rate, resulting in 67 sample from 199 population. A probability sampling method with a simple random sampling procedure was applied to ensure equal selection opportunities. Data analysis was conducted using a descriptive statistical approach in IBM SPSS version 27. The results evidence that remote audit has a significant and positive impact on audit quality. Similarly, CAATs and professional skepticism also significantly and positively affect audit quality. Moreover, these three variables collectively influence audit quality. The findings of this study provide insights for audit institutions to enhance audit quality by adopting remote auditing, utilizing CAATs, and fostering professional skepticism among auditors. This study contributes to the literature by empirically examining the simultaneous impact of remote auditing, CAATs, and professional skepticism on audit quality, particularly in the context of government audits in Indonesia.