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The Effect Of Results Share Level, Third Party Funds, Non Performing Financing On Results-Based Financing Volume In Sharia Banking In Indonesia Kamaruddin, Kamaruddin; Wahyudi, Akhmad; Gani, Ilham
Adpebi International Journal of Multidisciplinary Sciences Vol. 1 No. 1 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijms.v1i1.261

Abstract

This study aims to determine the effect of Profit Sharing, Third Party Funds and Non-Performing Financing on Profit Sharing-Based Financing Volume at Islamic Banks in Indonesia in 2016-2020. This type of research uses quantitative research. The population used in this study are all Islamic commercial banks in Indonesia that are registered with the Financial Services Authority (OJK) and have the financial ratios required in the study.sampling technique used was purposive sampling. By taking a sample of 7 banks. Data processing and analysis techniques in this study are using the Classical Assumption Test and Hypothesis Testing. The results of this study indicate that the level of profit sharing and third party funds have a positive and significant effect on the volume of profit-sharing-based financing and non-performing financing has no effect on the volume of profit-sharing-based financing. Then the level of profit sharing, third party funds and non-performing financing simultaneously affect the volume of profit-sharing based financing.
PELATIHAN PEMBUATAN MATERI DAN EVALUASI UNTUK MENINGKATKAN KETERAMPILAN GURU DALAM ADAPTASI GAMIFIKASI Mustika, Nur; Kamaruddin, Kamaruddin; Alam, Syamsu; Aeni, Zahratul
Jurnal Abdimas Bina Bangsa Vol. 5 No. 2 (2024): Jurnal Abdimas Bina Bangsa
Publisher : LPPM Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jabb.v5i2.1288

Abstract

The 1945 Constitution mandates the state to enhance public intelligence, with teachers being central to educational quality. UPT SPF SD Inpres Rappokalling 2 in Makassar faces a decline in student engagement, attributed to teachers' insufficient skills in using technology for interactive teaching and assessment. To address this issue, a community service program was implemented, involving training and mentoring with Canva and Wordwall. Evaluation results from pre-tests and post-tests showed significant improvement in teachers' knowledge and skills. Proficiency in creating teaching materials using Canva increased from 59% to 68%, while the ability to create assessments using Wordwall rose from 76.25% to 90%. This enhancement is expected to make teaching materials and assessments more engaging and effective, thereby supporting increased student involvement in the learning process
The Influence of Digital Technology on Learning Methods at SMA Negeri 5 Makassar City A, Megawati; Sudika, Aryandi; Kamaruddin, Kamaruddin; Fatimah, Ana Cahayani
International Journal on Advanced Science, Education, and Religion Vol 7 No 3 (2024): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v7i3.720

Abstract

In the modern world of education, the integration of digital technology has become an important element in supporting the learning process in secondary schools. This study aims to analyze the influence of digital technology on learning methods and the effectiveness of student learning outcomes. This study uses a combination of qualitative and quantitative methods. Data were collected through in-depth interviews with teachers, observations of teaching and learning activities in the classroom, and distribution of questionnaires to students. The results of the study indicate that the use of digital technology has a significant impact on increasing student engagement in the learning process, the effectiveness of material delivery, and the development of their digital literacy skills. However, this study also found challenges in the implementation of digital technology, such as limited infrastructure, variations in teacher skills in utilizing technology, and unequal access among students. Therefore, ongoing support is needed to overcome these challenges so that the use of digital technology in education can be optimized to the maximum.
The study of history based on local antiquity: A case study of existence of Kampar River in analyzing the past maritime in teaching history Kamaruddin, Kamaruddin; Ahmal, Ahmal
Journal of Educational Sciences Vol 2. No. 1. January 2018
Publisher : FKIP-Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/jes.2.1.p.72-82

Abstract

This paper describes the history-based learning local history,which takes the case of the existence of the Kampar River as local aspects inthe learning of the maritime history in Indonesia. The data obtained throughthe triangulation by collecting interviews, observation, documentation studyand  refered to articles, journals, textbooks and data other documents in thelibrary that supported the teaching of history based on local history in theanalyzing of maritime history in Indonesia, then it was investigated anddrawn as a conclusion that the Kampar River was able to be used as thestudy of history in the local context in understanding of the teaching historyin Indonesia related to maritime history. The results in this study show thatfirst, Kampar River is a river that is loaded with historical events of theKingdom of Sriwijaya, The Kingdom of Islamic until the independence ofIndonesia. Second, the existence of Kampar River as a aspect of  emergenceof history / local aspect which is able to be used as information about themaritime historyto the learners. For learning process, it involves localaspects of learners to connect, internalize and develop cooperation inanalyzing of the concept aspects practicely in teaching maritime history. Theconcept of local history-based teaching history is contextually-learninglearning concept that emphasizes the relevance of teaching materials withreal world of learners. The existence of Kampar River is a means emergenceof history / local aspect can be used as information about the maritimehistory to assist in the understanding of teaching maritime history on thelearner, for learning involving local aspects for learners to connect,internalize and develop cooperation in analyzing aspects of the concept topraxis in teaching maritime history. The concept of local history-basedteaching history is contextually-learning learning concept that emphasizesthe relevance of teaching materials with real world of learners. The existenceof Kampar River is a means emergence of history / local aspect can be usedas information about the maritime history to assist in the understanding ofteaching maritime history on the learner, for learning involving local aspectsfor learners to connect, internalize and develop cooperation in analyzingaspects of the concept practically in learning the maritime history. Theconcept of local history-based learning is contextually-learning thatemphasizes the relevance of teaching materials with real world of learners.
Justice, Mediation, and Kalosara Custom of the Tolaki Community in Southeast Sulawesi from the Perspective of Islamic Law Kamaruddin, Kamaruddin; Iswandi, Iswandi; Yaqub, Andi; Mahfiana, Layyin; Akbar, Muh.
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol 7, No 2 (2023): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/sjhk.v7i2.13183

Abstract

The existence of customary law has been less a concern as a source in the law enforcement process for law enforcers. The Tolaki community in Southeast Sulawesi has a custom capable of resolving legal disputes called kalosara. This study aims to examine the customary role of the Kalosara in resolving land disputes to create justice and social order in society. This empirical legal study used the sociological theory of law and benefit in Islamic law. Data were collected by means of in-depth interview and literature review. The results of the study revealed that the Kalosara that has become a customary law or living law in society has played a role in resolving cases through mediation. The Kalosara customarily carried out through a mediation process has been able to mitigate internal cases of the indigenous people. Dispute resolution resolved in terms of land cases has also succeeded in creating social order in society. The philosophical principles in the Kalosara consist of ate pute penao moroha (chastity and justice), the values that are able to bind the parties to the disputes in a customary way to create justice. Theoretically, the social function of the customary law in society is to realize social harmonization so that disputes and conflicts can be avoided. In the context of the Islamic law, creating harmony and social order in society is one of the main goals.
The Influence of Digital Technology on Learning Methods at SMA Negeri 5 Makassar City A, Megawati; Sudika, Aryandi; Kamaruddin, Kamaruddin; Fatimah, Ana Cahayani
International Journal on Advanced Science, Education, and Religion Vol 7 No 3 (2024): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v7i3.720

Abstract

In the modern world of education, the integration of digital technology has become an important element in supporting the learning process in secondary schools. This study aims to analyze the influence of digital technology on learning methods and the effectiveness of student learning outcomes. This study uses a combination of qualitative and quantitative methods. Data were collected through in-depth interviews with teachers, observations of teaching and learning activities in the classroom, and distribution of questionnaires to students. The results of the study indicate that the use of digital technology has a significant impact on increasing student engagement in the learning process, the effectiveness of material delivery, and the development of their digital literacy skills. However, this study also found challenges in the implementation of digital technology, such as limited infrastructure, variations in teacher skills in utilizing technology, and unequal access among students. Therefore, ongoing support is needed to overcome these challenges so that the use of digital technology in education can be optimized to the maximum.
Pemanfaatan Urin Kelinci Sebagai Pupuk Organik Cair untuk Meningkatkan Pertumbuhan dan Hasil Tanaman Cabai Keriting (Capsicum Annuum L.) Hulopi, Fauzia; Kamaruddin, Kamaruddin; Ode, Asmi
Bioscientist : Jurnal Ilmiah Biologi Vol 12, No 2 (2024): December
Publisher : Department of Biology Education, FSTT, Mandalika University of Education, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/bioscientist.v12i2.13227

Abstract

The purpose of the study is to determine the optimal concentration of rabbit urine administration (POC Rabbit Urine) to increase the growth and yield of curly chili plants (Capsicum annum L.). This type of research is experimental research. This research was carried out in the Experimental Garden of the Faculty of Agriculture, Unidar Ambon, at an altitude of 150 m above sea level, the average daily temperature is around 27-290C.  The experiment will be carried out from February to May 2024. Variables observed on growth components and plant yield components include, plant height, number of leaves, the number of branches, when flowers appear, the number of harvested fruits, the total weight of the fruit of the plant. Observations are made after the plants are 1 week old after planting. The data obtained was analyzed using a variety fingerprint (F test) at the level of 5%. If the real influence is continued, the Smallest Real Difference Test (BNT) is continued. The results showed that the POC treatment of rabbit urine had a real effect on the control of all observed variables. Rabbit urine concentration of 300 ml/L of water resulted in the highest number of harvested fruits and fruit weight compared to other treatments.
Analisis Interpretasi Mahasiswa tentang Akad Murabahah dalam Bank Syariah (Studi Kasus Mahasiswa Febi UIN Alauddin Makassar) Aditya, Rezky; Aljazirah, Nuraeni Putri; Najmi, Nur; Kamaruddin, Kamaruddin
Jurnal Pendidikan Tambusai Vol. 9 No. 1 (2025)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan agar memahami pemahaman pelajar di Fakultas Ekonomi Dan Bisnis Islam (FEBI) Universitas Islam Negeri (UIN) Alauddin Makassar terhadap akad murabahah di bank syariah. Teknik yang digunakan dalam penelitian ini diketahui bahwa kuantitatif dengan mengumpulkan data fundamental melalui angket yang disebarkan kepada mahasiswa FEBI. Data yang diperoleh dianalisis dengan menggunakan tes validitas dan reliabilitas, serta tes asumsi klasik seperti commonness dan heteroskedastisitas. Hasil penelitian menunjukkan bahwa sebagian besar mahasisiwa memahami akad murabahah , meskipun terdapat perbedaan sesuai orientasi, semester dan atribut searah. Pengujian hipotesis menunjukkan bahwa variabel X2 (fokus program) secara searah mempengaruhi pemahaman pelajar terhadap akad murabahah , sedangkan variabel X1 (orientasi) tidak memberikan hubungan yang searah. Penelitian ini memberikan pengalaman yang searah terhadap peningkatan pelatihan aspek keuangan syariah di jenjang perguruan tinggi.
PERAN BANK SYARIAH DALAM PEMBIAYAAN INDUSTRI HALAL: ANALISIS PELUANG DAN TANTANGAN Alya, Alya; Andi Hunafa Iskandar; Nanda Dwi Nopianti; Kamaruddin, Kamaruddin
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 14 No. 10 (2025): Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v14i10.10813

Abstract

This study seeks to explore the involvement of Bank Syariah Indonesia (BSI) in the advancement of the halal industry in Indonesia, especially with a focus on BSI's branch located in Makassar City. Using qualitative research methods with a descriptive approach, this study uses various sources and data collection techniques, including observation, interviews, and documentation. The growth of the halal industry is inseparable from the important role of financial institutions, especially Islamic banks. This study aims to measure the contribution of Islamic banks in financing the halal industry. By analyzing the various financing schemes offered, this study will identify the factors that affect the participation rate of Islamic banks in the halal industry. In addition, this study will also examine the impact of Islamic bank financing on the performance of halal companies.
PERBANDINGAN TINGKAT KEPUASAN NASABAH ANTARA BANK SYARIAH DAN BANK KONVENSIONAL DI BANK MUAMALAT DAN BANK BNI Amirullah Putri Paradibah; Nurul Alhidaya; Riskha Arman; Kamaruddin, Kamaruddin
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 14 No. 11 (2025): Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v14i11.10891

Abstract

Penelitian ini bertujuan untuk membandingkan tingkat kepuasan nasabah antara Bank Syariah (Bank Muamalat) dan Bank Konvensional (Bank BNI). Metode yang digunakan dalam penelitian ini adalah kualitatif dengan pendekatan wawancara mendalam terhadap nasabah dari kedua bank tersebut. Wawancara dilakukan untuk menggali persepsi dan pengalaman nasabah terkait layanan yang diberikan oleh masing-masing bank, termasuk aspek produk, kualitas layanan, kemudahan akses, dan biaya. Hasil penelitian menunjukkan bahwa nasabah Bank Muamalat cenderung lebih puas dengan penerapan prinsip-prinsip syariah dalam produk dan layanan yang ditawarkan, namun terdapat beberapa keluhan terkait keterbatasan produk dan aksesibilitas layanan. Sementara itu, nasabah Bank BNI mengungkapkan tingkat kepuasan yang lebih tinggi terkait dengan kemudahan transaksi, fasilitas digital, dan jaringan yang lebih luas, meskipun ada kekhawatiran terkait biaya administrasi dan transparansi produk. Secara keseluruhan, meskipun kedua jenis bank memiliki keunggulan masing-masing, nasabah kedua bank menginginkan adanya peningkatan dalam hal kemudahan akses, kualitas layanan, dan transparansi biaya. Penelitian ini memberikan wawasan bagi pengelola bank untuk meningkatkan kepuasan nasabah melalui peningkatan kualitas layanan dan adaptasi terhadap kebutuhan nasabah yang terus berkembang.
Co-Authors A, Megawati A. Ni’mahtul Churriyah Abd Basith, Abd Abda Abda Abdon Saiya Abdul Jabar Rahim Abdul Jalil Abdul Malik Abdurrahman Faris Indriya Himawan Abqa, Rizkan Adam Adam Adawiyah Pettalongi Adhawati, Sri Suro Adhim, Zakiyuddin Abdul Aditya, Rezky Afriana Afriana Ahmad Zahran Mansur ahmal, ahmal Ahmal, Ahmal Ahmal, Ahmal Aji Bimantara, Vitara Akbar Iskandar Akbar, Muh. Akhmad Wahyudi Akram, Andi Muhammad Alfafa, Abduh Malik Aljazirah, Nuraeni Putri Alvia Auliah Alwi, Muh. Alya, Alya Amal Alam, Ade Ikhlas Amiruddin, Amran Amiruddin, Erwin Gatot Amirullah Putri Paradibah Andi Anirah Andi Hunafa Iskandar Andi Nur Fadillah, Andi Nur Andi Tamsil Andi Wawo Andi Yaqub Andiopenta Purba Andyna, Cut Anha, Radilla Anitra, Rien Anugrah Nova Yanti M Anwar, Asni Anwar, Dian Purnamasari Apriyanti Apriyanti Aris, Ardiyanti Arizal Hamizar Arqam, M. Rukhul Arsandi, Taufik Asda Laining Asmi Citra Malina, Asmi Citra Asmiati, Rini Asmini, Asmini Asriani Asriani, Asriani Asrinaldy, Asrinaldy Assidiq, Mahfuz Astati, Sry Aswin Aulia Muttaqin Aulia Rifka, Nurwahda Auliah Ambarwati Awaliyah, Neneng Ayu, Riski Azhari Azhari A’la, Rafiqul Bahrani Bahri, Halida Basri Basri Bayu Segara Bayu Taufiq Possumah, Bayu Taufiq Belinda Natasyah Rampo Berliana, Walda Dewi Burhan, Imron Cangara, Arie Syahruni Darlis, Syamsul Devi Armita Dewi Mariana, Dewi Dian Mayasari Disra, Disra Djamil M Nur, Muhammad Doddy Ismunandar Bahari Eddy Pahar Harahap Eko Nursalim, Eko Ellis Mardiana Panggabean Endrizal Ridwan Erfina, Erfina Eriek Aristya Pradana Putra Erika Franciska Erizal Erizal Erma Suryani Ermawati Usman Ernaningsih Ernaningsih Eva Ayuzar, Eva Fajar, Desi Reski Fakhriyah, Sitti Fakhruddin Fakhruddin Fatimah Zuhra Fatimah, Ana Cahayani Fatimawali . Fauzia Hulopi Fauzy, Ahmad Femiliani Novitasari Femiliani Novitasari Fitri Fitri Fitri, Jesica Indah Fitrianingrum, Aufa Maulida Fitriyani, Ika Fuspita sari, Fina Gazali Gazali Gita Ayu Lestari Gunta Wirawan Habibi, Khairul Hadi Sutrisno Hadijah Hadijah Haerul, Andi Hafied Cangara, Hafied Haikal Haikal Hamjan, Dewi Febriani Hariman Satria, Hariman Harlina Harlina Haryadi, Wahyu Haryanto Asri Haryanto Haryanto Hasmi, Athira Putri Hasnidar Hasnidar Hayatun Nufus Hendi Lilih Wijayanto Hendra Stevani Hendra, Akbar Hendri Koeswara Herik, Herik Hermansyah Hermansyah Hidayat, Ian Hidayat, Muh Farid Husin, Idris Husnaeni Husnaeni Ibrahim Ibrahim Idris Parakkasi Ilham Gani Ilmi, Hidayatun Nur Ilyas, M. Irham Imam Suwardi Wibowo Inayatillah Inayatillah Insan Suwanto Insan Suwanto Insani, A N Irmawati Irmawati Irna, Irna Irsyan, Irsyan Irvan Irvan Isjoni Isjoni Ismail Ismail Isnan, Muh. Fauzi Iswandi Iswandi Iswandi Jalani, Hamidah binti Jalil, Jalil Jamaluddin Majid James, John Jarir, Dewi Virgiastuti Jasmiati Jasmiati, Jasmiati Juliana Juliana Jumriati, Jumriati Kaharuddin Kaimuddin, La Ode Kamar, Fahmi KAMIL, MUH. AHSAN Kariadi, Dodik Karnay, Sudirman Kherani, Riska Khojir Layuk, Hesriyah Allo Lili Yanti, Lili Lubis, Rizki Maulana M Yusuf M. Abdullah, Rommy Machdi, Syakira Permadani Marah Doly Nasution Marhayani, Dina Anika Maria, Jeany Fatimah Mariam Mariam, Mariam Marjuah, Hilmiyah Marlina Karundeng Mashud, Mashud Maskur Maskur Masrendi, Masrendi Masriadi, Masriadi Maulana, Rizkha Maulyanda, Rizky Mertika MIFTAHUL JANNAH Miftahul Jannah Moch. Munir, Layyin Mahfiana I Nyoman Nurjaya Muh Fajar Ali Muh. Haical Muh. Riyaldi Pratama Muhammad Akbar Muhammad Rifqi Muhammad Rivai Muhammad Saenong Muhammad Yusuf Muhammad, Nurcholis Munirah, Rezky Murni Murni Musa, Rahmat Frans Musfirah Musfirah Mustakim Muchlis Mustapa Mustapa Mustika, Nur Najirah Umar Najmi, Nur Nanda Dwi Nopianti Nasrullah Bin Sapa Ningdayati, Rina Novitasari, Femiliani Nugroho, Vincentius Sulistyoaji Nur Azizah Nur Rahma Ramadhani Nur Silfiah Amin Nuraeni Nuraeni Nurfadilah Nurfadilah Nurhadi, A. R. NURLIANA NURLIANA Nurul Alhidaya Nurul Alifah Nurul Uyun nuur, muhammad Ode, Asmi Oktaviani, Ria Pakaya, Erik Pariakan, Arman Patel, Kavya Patimbangi, Andi Patricia Mardiana Silangen Possumah, Bayu Taufik Pratama, Muh Riyaldi Putra Astaman Putri Aisyah, Putri Qadri, Muhammad R. Rusli Rachmadani, Rachmadani Radhyia Nur Syam Raehani, Najmi Rafsanjany, Dudy Akbar Rahim, Nurfitri Rahim, Rahim Rahmadi Rahman, A Syafir Rahman, Fery Fadul Rahman, H Abd Rahmatul Akbar Rasdawita Rende, Jeane Cornelda Reni Kurniawati, Reni Reyki Fitra Rajul, Reyki Fitra Rajul Ridwan Melay, Ridwan Riskha Arman Risman Risman Ritonga, Zuriani Riyanti Riyanti Rizky Maulana, Rizky Rum, Muhammad Rustam Rustam Rustam, Afrinady Safitri, Inchi Safrida Safrida Safrihady, Safrihady SAHABUDDIN SAHABUDDIN Saharuddin Said, Sadly Ashari Saifuddin Saifuddin Salsabilla, Adinda Thalia Samandi, Hariman Satria Samin Botanri Saputra, Aditiyo Tri Saputra, Adityo Tri Saputra, Kasnur Saslia, Eva Sasmarianto, Sasmarianto Selvi Hardianti Septian, Dwi Adjie Serlina, Serlina Setiawan, Angga Tegar Setiawan, Endi Setiawan, Romi Sidik Sidik Simahatie, Mai Siti Aslamyah Siti Fatimah Siti Marwiyah Siti Radiatul Azzahra Sitti Aisa, Sitti Sitti Fakhriyyah, Sitti Slamat Fitriyadi Sobirov, Bobur Solisa, Darwis Sri Indra Yani Sri Mulyani Sri Yanna Sudarsono, Firman Sudika, Aryandi Sukarni Sukarni Sulfiani, Sulfiani Sulfiarini, Sulfiarini Sumbawati, Novikadewi Sunardi Purwanda Suparno, I Wayan Suprapto, Wasis Suprehatin, Yulia Supriadi Supriadi Supriadi Susan Neni Triani Sutoyo Sutoyo Syafriwana, Syafriwana Syafruddin Karimi, Syafruddin Syafruddin Syafruddin Syah, Rahmad Hidayat SYAMSU ALAM Syawaluddin Soadiq, Syawaluddin Syawaluddin, Ahmad Tahir, Tamus Bin Talla, Tamrin Tamsir, Tamsir Tang, Muhammad Tengkar, Soenandar Titin Sumarni Treesje K. Londa Trismawanti, Ike Ukhti, Ana Ulfa Ulfa Ulva, Siti Maria Umar, Dewi Bin Usman Jafar Usman Usman Utama, Erdi Guna Vivek, Kumar Wahyuningsih, Pujianti Wawan Krismanto Wijaya, Suman Wini, Lusia Oktri Wiwin Wiwin, Wiwin Yahya, Fahmi Yohana, Via Yulia Rahman Yuliantoro, Yuliantoro Yusra, Yusra Zahratul Aeni Zainal, Zaid Zakman, Arief Zulfahita, Zulfahita Zulkifli, Muhammad Irfan Bin Zulrafli, Zulrafli