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Evaluating the Role, Costs, and Benefits of Insurance and Hedging in Financing Decisions Hadijah, Andi St.; Karmila, Karmila
Advances in Economics & Financial Studies Vol. 2 No. 2 (2024): February - May
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/aefs.v2i2.313

Abstract

Purpose: This study explores the impact of integrating machine learning algorithms and big data analytics on risk assessment and management, focusing on financial, strategic, environmental, social, and governance (ESG) perspectives. Research Design and Methodology: The research utilizes a comprehensive literature review to analyze the benefits, challenges, and implications of incorporating machine learning and big data analytics into risk management frameworks. It synthesizes insights from scholarly articles, empirical studies, and regulatory documents to provide a holistic understanding. Findings and Discussion: The findings reveal that integrating machine learning and big data analytics significantly enhances risk measurement and management in strategic financing decisions. These technologies improve risk assessment accuracy, help identify emerging risks, and enable organizations to capitalize on market opportunities. Including ESG criteria in risk management frameworks further strengthens organizational resilience by addressing non-financial risks. Implications: The study underscores the need for innovative risk management practices to navigate uncertainties and seize opportunities in a complex, interconnected environment. It highlights the importance of leveraging technological advancements and incorporating ESG considerations into risk management to enhance organizational resilience, drive long-term value creation, and support sustainable development. Future research should explore further innovations in risk management frameworks.
The Effect of Principal’s Managerial Competence and Teacher’s Professional Competence on the Educational Quality of Public Senior High Schools Karmila, Karmila; Lian, Bukman; Wardiah, Dessy
Journal of Social Work and Science Education Vol. 4 No. 1 (2023): Journal of Social Work and Science Education
Publisher : Yayasan Sembilan Pemuda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52690/jswse.v4i1.376

Abstract

One of the abilities required of a school administrator as a leader is managerial competency. Principals may effectively manage education if they have excellent managerial skills, just as teachers must have professional skills in order to carry out their tasks. Management and professional skills are both essential for school principals and instructors. It is envisaged that these abilities would improve educational quality. As a result, this study was done to investigate the impact of school administrators’ administrative competency and teachers’ professional competence on educational quality. This research will be carried out utilizing a quantitative descriptive technique. According to the findings of this study, when examined independently, the administrative competency of school principals has a significant impact on the quality of education. Teacher professional competence has a positive and considerable effect on educational quality and is in the moderate range. According to the simultaneous test, the principal’s administrative competence and the teacher’s professional competence had a positive and substantial impact on the quality of education at SMA Negeri in Kayuagung, with a reasonably high degree of influence.
FINANCIAL PERFORMANCE BEFORE AND AFTER THE IMPLEMENTATION OF GOVERNMENT REGULATION NUMBER 109 OF 2012 AT PT. GUDANG GARAM Tbk. DANPT. HM SAMPOERNA Tbk. Karmila, Karmila
Jurnal Manajemen Dan Bisnis Vol 2 No 1 (2024): Hal. 132-196
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/lajumen.v2i1.39

Abstract

The purpose of this research is to find out whether the Financial Performance of PT. Gudang Garam Tbk. and PT. HM Sampoerna Tbk. experienced a decline after the implementation of Government Regulation Number 109 of 2012. Data analysis used in this research used quantitative descriptive methods by comparing financial ratios consisting of liquidity, solvency, activity and profitability ratios. The research results show that the financial performance of PT. Gudang Garam Tbk. and PT. HM Sampoerna Tbk. tended to decline after the implementation of Government Regulation Number 109 of 2012.
Hubungan Dukungan Keluarga Terhadap Pengendalian Emosi Remaja Karmila, Karmila; Razzaq, Abdur; Lubis, Anissa Rachmawati
Journal of Society Counseling Vol. 2 No. 2 (2024): Journal of Society Counseling
Publisher : Scidacplus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59388/josc.v2i2.555

Abstract

This research discusses the relationship between family support and emotional control in adolescents at the Palembang Class 1 Special Development Institution for Children. This study aims to determine the level of emotion and the relationship between family support and emotional control in adolescents at a special development institution for grade 1 children in Palembang. This type of research is correlational for the extent to which variations in one variable are related to other variables. Therefore, this research uses a quantitative approach. The results of the research show: First, the results of calculating the mean descriptive data to see the emotional level of teenagers with data obtained in the high category were 23 people with a percentage of 92%, in the medium category there were 1 person with a percentage of 4% and in the low category there were 16 people with a percentage of 4%. The results can be concluded that the emotional level in teenagers is still relatively high and difficult to control while at the Palembang Class I Special Development Institute for Children. Second, the SPSS output results for the linearity test prove that the correlation test value for the Family Support variable (X) for teenagers is 0.370 with a positive direction. Meanwhile, the Emotional Approach variable (Y) is 0.690. To see the relationship between the two sides of the variable, the value of sig deviation from linearity = 0.692 > 0.05, it can be stated that there is a relationship between the two variables It can be concluded that there is a very strong relationship between family social support and emotional control in adolescents at the Palembang Class I Special Development Institution for Children.
PENGARUH CUSTUMER SATISFACTION TERHADAP CUSTUMER LOYALTY PADA BANK SYARIAH INDONESIA (BSI) CABANG BONE KARMILA, KARMILA; ZULKIFLI, ZULKIFLI; IDAYANTI, RINI
Islamic Economic and Business Journal Vol 6, No 2 (2024): Islamic Economic and Business Journal
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v6i2.7638

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kepuasan nasabah terhadap loyalitas nasabah pada Bank Syariah Indonesia (BSI) Cabang Bone. Menggunakan metodologi penelitian kuantitatif lapangan, penelitian ini mengumpulkan data dari 100 responden melalui sampling jenuh, dengan kuesioner skala Likert yang disebarkan secara online dan offline. Analisis data dilakukan menggunakan software SPSS 20, meliputi analisis regresi sederhana dan uji T untuk pengujian hipotesis, yang didahului dengan uji validitas, reliabilitas, normalitas, dan linearitas. Hasil penelitian menunjukkan adanya pengaruh positif dan signifikan antara kepuasan nasabah terhadap loyalitas nasabah, dengan H0 ditolak dan H1 diterima. Persamaan regresi Y = 13,692 + 0,973X ditetapkan, dengan nilai thitung 8,612, nilai signifikansi 0,002, dan nilai ttabel 1,984 pada tingkat kepercayaan 95% (α=0,05), yang mengonfirmasi hubungan signifikan antara variabel tersebut. Penelitian ini memberikan kontribusi penting bagi pemahaman hubungan antara kepuasan dan loyalitas nasabah dalam konteks perbankan syariah, serta dapat menjadi acuan bagi pengembangan strategi peningkatan layanan perbankan. This study aims to analyze the influence of customer satisfaction on customer loyalty at Bank Syariah Indonesia (BSI) Bone Branch. Using quantitative field research methodology, the study collected data from 100 respondents through saturated sampling, employing both online and offline Likert scale questionnaires. Data analysis was conducted using SPSS 20 software, incorporating simple regression analysis and T-test for hypothesis testing, preceded by validity, reliability, normality, and linearity tests. The findings revealed a positive and significant influence of customer satisfaction on customer loyalty, with H0 rejected and H1 accepted. The regression equation Y = 13.692 + 0.973X was established, with a t-count of 8.612, significance value of 0.002, and t-table value of 1.984 at 95% confidence level (α=0.05), confirming the significant relationship between the variables. This research provides important contributions to understanding the relationship between customer satisfaction and loyalty in Islamic banking context, and can serve as a reference for developing banking service improvement strategies.
Potensi Desa Hijau Dalam Menunjang Kualitas Hidup Masyarakat di Desa Bina Baru Mujahidin, Mujahidin; Mursyidin, Mursyidin; Karmila, Karmila; Sukmawati, Sukmawati; Sinar, Sinar; Sittiana, Sittiana; Abdullah, Abdullah; Yusril Hafid, Muhammad; Nur Arifin, Marmukassimah
Innovative: Journal Of Social Science Research Vol. 3 No. 2 (2023): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v3i2.8043

Abstract

Penelitian ini bertujuan untuk mengeksplorasi potensi desa hijau dalam meningkatkan kualitas hidup masyarakat di Desa Bina Baru. Desa hijau diartikan sebagai penerapan praktik ramah lingkungan yang bertujuan menciptakan lingkungan yang bersih dan berkelanjutan. Metodologi yang digunakan adalah kualitatif dengan pendekatan kualitatif untuk menilai potensi kesuburan tanah, pemanfaatan sumber daya, dan kondisi kesejahteraan masyarakat Desa Bina Baru. Hasil penelitian menunjukkan bahwa desa hijau berpotensi signifikan dalam pelestarian lingkungan, pemberdayaan masyarakat, dan pengembangan ekonomi lokal. Implikasi dari penelitian ini adalah perlunya dukungan teknologi ramah lingkungan dan strategi pemberdayaan masyarakat untuk memaksimalkan manfaat ekonomi dan lingkungan. Sebagai Kesimpulan, Desa Bina Baru, dengan kesuburan tanah yang baik dan kesejahteraan sosial yang cukup, memiliki potensi besar untuk menjadi desa hijau yang mendukung peningkatan kualitas hidup masyarakat melalui kesehatan, ekonomi, dan lingkungan yang berkelanjutan.
PENGARUH GAYA KEPEMIMPINAN TERHADAP KINERJA PEGAWAI DENGAN KOMPENSASI SEBAGAI VARIABEL INTERVENING PADA KANTOR DESA DI KECAMATAN PATAMPANUA KAB PINRANG Karmila, Karmila; Syukri, Fitriyani
DECISION : Jurnal Ekonomi dan Bisnis Vol. 5 No. 2 (2024): DECISION : Jurnal Ekonomi dan Bisnis
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31850/decision.v5i2.3262

Abstract

Tujuan dari penelitian ini dalah untuk mengetahui signifikansi pengaruh Gaya Kepemimpinan Transformasional dan Transaksional serta Kompensasi terhadap Kinerja Pegawai pada Kantor Desa di Kecamatan Patampanua Kab. Pinrang, Untuk mengatahui pengaruh Gaya Kepemimpinan Transformasional dan Transaksional jika dimoderasi oleh Kompensasi terhadap Kinerja Pegawai pada Kantor Desa di Kecamatan Patampanua Kab. Pinrang. Penelitian ini menggunakan Metode Kuantitatif dengan jumlah Responden sebanyak 63 orang, adapaun alat analisis yang digunakan yakni Partial Last Square (PLS). Sesuai dengan Rumusan masalah yang diajukan, maka hasil yang diperoeh yakni Gaya Kepemimpinan Transformasional memiliki arah hubungan yang positif namun tidak memberikan pengaruh signifikan terhadap Kinerja Pegawai, Gaya Kepemimpinan Transaksional dan Konspensasi memiliki arah hubungan positif dan dapat memberikan pengaruh yang signifikan terhadap Kinerja Pegawai, Gaya Kepemimpinan Transformasional setelah dimediasi oleh Konpensasi memiliki arah hubungan yang positif dan mampu memberikan pengaruh secara signifikan terhadap Kinerja Pegawai dan Gaya Kepemimpinan Transaksional setelah dimediasi oleh Konpensasi memiliki arah hubungan yang positif namun tidak dapat memberikan pengaruh signifikan terhadap Kinerja Pegawai pada Kantor Desa Di Kecamatan Patampanua Kab Pinrang
PENERAPAN MODEL PEMBELAJARAN MULTILITERASI TERHADAP KEMAMPUAN PEMAHAMAN KONSEP MATEMATIS SISWA Pasang, Riswana; Basir, Fahrul; Karmila, Karmila
Pedagogy: Jurnal Pendidikan Matematika Vol. 9 No. 2 (2024): Pedagogy : Jurnal Pendidikan Matematika
Publisher : Universitas Cokroaminoto Palopo

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

Abstract

Penelitian ini merupakan penelitian eksperimen dengan desain pretest-posttest control group design yang bertujuan untuk mengetahui kemampuan pemahaman konsep matematis siswa sebelum dan setelah penerapan Model Pembelajaran Multiliterasi. Satuan eksperimen penelitian ini adalah siswa kelas X IPA 1 sebagai kelas eksperimen dan siswa kelas X IPA 3 sebagai kelas kontrol. Data yang dikumpulkan terdiri atas data kemampuan pemahaman konsep matematis siswa dan keterlaksanaan pembelajaran. Teknik analisis data yang digunakan adalah analisis statistika deskriptif dan analisis statistika inferensial. Hasil dari penelitian diperoleh: Kemampuan pemahaman konsep matematis siswa kelas X SMA Negeri 2 Luwu sebelum diterapkan model pembelajaran multiliterasi berada pada kategori sangat rendah dan setelah diterapkan model pembelajaran multiliterasi berada pada kategori sedang, Keterlaksanaan pembelajaran siswa kelas X SMA Negeri 2 Luwu pada saat penerapan model pembelajaran multiliterasi berada pada kategori terlaksana dengan sangat baik. Kesimpulan dari penelitian ini adalah peningkatan kemampuan pemahaman konsep matematis siswa kelas X SMA Negeri 2 Luwu dengan penerapan model pembelajaran multiliterasi lebih baik daripada kemampuan pemahaman konsep matematis siswa dengan penerapan pembelajaran konvensional.
Distribution of Heavy Metals in Sediments in the Nambo Coastal Waters of Southeast Sulawesi Province Karmila, Karmila; Irawati, Irawati; Haraty, Syamsul Razak
Jurnal Perikanan dan Kelautan Vol. 29 No. 1 (2024): February
Publisher : Faculty of Fisheries and Marine, Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/jpk.29.1.125-131

Abstract

A study was conducted on the distribution of heavy metals in sediments in Nambo Beach, Southeast Sulawesi Province, on July 24, 2022. This study aims to determine the content of heavy metals such as Cu, Pb, and Cd in sediments, determine the size of sediment grains, and assess the level of pollution in sediments on Nambo Beach. Determination of station points using a purposive sampling method with 7 station points. The technique used for heavy metal analysis in sediments is the atomic absorption spectrophotometry (AAS) method. The size of sediment grains is determined using a rock comparator, while to determine the level of pollution, the Geoaccumulation Index (I_Geo), Contamination Factor (CF), and Pollution Load Index (PLI) methods are used. The results of the study obtained showed that the highest content of heavy metals was Cu at all stations with values ranging from 0,011-0,0224 mg/L with an average value of 0,014 mg/L and the highest value was at station 1, Pb Metals, with values ranging from 0,001-0,0106 mg/L with an average value of 0,0033 mg/L and Cd with a relay range of 0,001-0,0025 mg/L and an average value of 0,0017 mg/L. The sedimentary grain sizes scattered on Nambo Beach include silt, clay, fine sand, and very fine sand. For testing the level of heavy metal pollution of Cu, Pb, and Cd in sediments, the results of calculations with the category of unpolluted to lightly polluted for all stations were obtained.
Strategi Guru Dalam Mengatasi Burnout Study Peserta Didik Pada Masa Teaching From Home Di Madrasah Aliyah Assalam Timbuseng Takalar Karmila, Karmila; Syukur, Muhammad; Sadriani, Andi
Pinisi Journal of Sociology Education Review Volume 4, Nomor 3 November 2024
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/pjser.v0i2.65318

Abstract

Penelitian ini bertujuan untuk mengetahui 1) strategi guru dalam mengatasi burnout study peserta didik pada masa teaching from home di Madrasah Aliyah Assalam Timbuseng Takalar dan 2) faktor-faktor yang menyebabkan timbulnya burnout study peserta didik pada masa teaching from home di Madrasah Aliyah Assalam Timbuseng Takalar. Jenis penelitian ini adalah penelitian kualitatif. Jumlah informan dalam penelitian ini sebanyak 7 orang yang ditentukan melalui teknik purpose sampling dengan kriteria guru yang menggunakan lebih dari dua aplikasi. Teknik pengumpulan data yaitu wawancara dan dokumentasi. Pemeriksaan keabsahan data dilakukan dengan menggunakan member check. Teknik analisis data yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa; 1) Strategi guru dalam mengatasi burnout study peserta didik pada masa teaching from home di Madrasah Aliyah Assalam Timbuseng Takalar adalah          (a) Menggunakan strategi yang variatif; (b) Memberikan motivasi; (c) Ice breaking; (d) Komunikasi dengan Orang Tua. 2) Faktor-faktor yang menyebabkan timbulnya burnout study peserta didik pada masa teaching from home di Madrasah Aliyah Assalam Timbuseng Takalar adalah (a) Kesulitan dalam memahami materi; (b) Banyaknya tugas yang diberikan guru; (c) Keterbatasan kuota dan buruknya sinyal; (d) Lingkungan yang tidak mendukung.
Co-Authors Abdul Haris Abdullah Abdullah Abdur Razzaq Aderlaepe Aderlaepe Adhiksana, Arief Afriani Afriani Agusta Fahlevie, Rinaldi Agustin Tiwow Ahmad Husairi Ahmadin Ahmadin Akmal, Maulana Aldri Frinaldi Alimuddin Said, Alimuddin Alimudin, Erna Amdadi, Zulaeha A Amiruddin Kade Amries Rusli Tanjung Andi Ahmad Chabir Galib Andi Jumardi Anggraini, Hilda Putri Antuli, Zainudin Ariga, Irwan Arinda, Suci Aris Munandar Avelius Dominggus Sore Bahgie, Mutuah Basuki Rahmat Masdi Siduppa Bonifacius Vicky Indriyono, Bonifacius Vicky Budi Widjajanto Budy Wiryawan Bukman Lian, Bukman Busrah, Busrah Cecep Kusmana Chanifudin Chanifudin D Hardjowikarto Darma Ekawati Denuri Isnanda Dermawan, Dermawan Desni Yuniarni Dessy Wardiah, Dessy Dewi Purnama Sari Dian Andika , Arditya Didik Hermanto Duheriani, Duheriani Edfan Darlis Eka Putri Ekawati, Shindy Ekayani, Pusparatri Emilia Dewiwati Pelipa, Emilia Dewiwati Endang Fauziati Enni Akhmad, Enni Erjati Abas Erni Mohamad Ery Mintorini Fahrul Basir Farel Olva Zuve, Farel Olva Fathul, Muhammad Fatmawati, Fatmawati Feriani, Dwi Fitranuddin, Fitranuddin Fitriani A, Fitriani Fudsy, Mira Ismirani Furqon, Ilham Haan, Haryawati Habibie, Alvons Hadijah, Andi St. Hajimi, Hajimi Hallang Lewa, Andi Hansein Arif Wijaya Haqqa, La Ode Izzatil Haraty, Syamsul Razak Hardiyanti, Masitoh Hariyadi, Guruh Taufan Hasanah, Hesti Dwi Puteri Heni Pujiastuti Hermanda, Putri Wulan Sari Heru Budiono Hery Widijanto Hindi, M Anwar Huswatun Hasanah Ida Farida Idayanti, Rini Imam Nuryanto Imelda Imelda Irawati Irawati Irawati Irawati Ishak, Suryadi Ismaya Ismaya Ismuntania, Ismuntania Israwanti, Nurul Istiana Istiana Jaenudin Jaenudin Jaka Prasetya Jamaluddin, Maryam Jamiludin, H. Jannah, Raodahtul Jordiansyah, Muhammad Juli Ratnawati Jumarniati, Jumarniati Kadir, Adriani Kaimuddin, La Ode Karis Widyatmoko Karmana, Dedi Karmila Kartika Kartika Keri, Ismail Kusumaningrum, Lely Kuswidyanarko, Arief Lesmana, Budi Lewa, Andi Hallang Lewenussa, Ramli Lina Tarigan, Frida Lisa Ramayanti Liya, Inda Lubis, Anissa Rachmawati Luqmi, Fitra Zahrotul Maemunah Maharami, Ilham Malikatul Laila Mardiana, Sri Marlina Mustafa, Marlina Marmawi R . Maryati, Riski Neli Mas, Nur Amal Masriani . Migu, Didimus Minarni Rama Jura Moch. Sjamsul Hidajat Muhammad Nur Fauzan Akbar Muhammad Syukur Muhlis Muhlis Mujahidin Mujahidin Mulyana, Ahmad Nana Mahmur Munirah Munirah Mursyidin Mursyidin Mustafa R Muzakir Nababan, Donal Nabu, Andiani Rezkita Nahria, Syarifatun Nasaruddin Nasaruddin Nasution, Sakti Muda Nazilah, Hikmatun Nega, Salonike Neli Maryati, Riski Ngkolu, Nurmulia Wunaini Ningsih, Sri Rahayu Nora Surmilasari, Nora Novellia, Gracia Noviasari, Yuli Nur Arifin, Marmukassimah Nur Wahyuni Nurkhasanah Nurkhasanah Nurul Qamariah, Nurul Nurwahida Nurwahida, Nurwahida Opir Rumape Pahenra, Pahenra Pakaja, Marina Paridotullah, M. Adi Pasang, Riswana Pawenang, Sri Permata, Sri Pitriani, Pitriani Prasetia, Aprila Stanis Pratama, Moh Fardhal Pratama, Zudha Prawitasari, Dian Prihandono, Adi Purwati, Diana Puteri, Violita Dianatha Putri, Juwita Putri, Nadella Putri, Wenny Julia Rahmatul Amin, Dewita Rahmatullah Rahmatullah Rakhman, Fakhryan Rapiah Rapiah, Rapiah Rawi, Rais Dera Pua Reymon, Reymon Ridwan, Madinatul Munawwarah Riskal Fitri Riski, Rahmad Rismayanti, Alda Rodzikin, Khoirul Rohima Sera Afifah Rohmana, Rohmana Rostika, Rostika Rukiah Lubis Rusli, Rachmatullah Rusmin, Lisnawati Sadriani, Andi Said Mahdani Salwah Samad, Mohammad Ardani Sapriadi, Sapriadi Saputra, Yoga Dwi Septian, Yandra Ega Septima S, Richasanty Setiawan, Aries Setiawati Setiawati Shektas, Shakesha Febrisha Silvia Rahmelia Sinar, Sinar Siregar, M.Ilham A Siregar, Syapar Alim Sittiana, Sittiana Sjamsul Hidajat, Moch SRI RAHAYU Sri Rahayuningsih Stephen Laoemuri, Jhon Suharnawi Suharnawi Sujana, Jana Sukmawati Sukmawati Sulmi, Sulmi Supriadi Supriadi Suratmi Suratmi, Suratmi Suryani, Linda Suryanti Suryati, Cicih Suskendariani, Ni Nyoman Triana Suwandi, Memen Syahputra, Safrika Syarigawir, Syarigawir Syukri, Fitriyani Tagan, Nurhidayah Putri Madina Tahir, MUH Tersta, Friscilla Wulan TETI SUSANTI Triani, Yuyun Tumbol, Stynie Nova Umar Umar Usman Usman Wahidayanti, Wahidayanti Wardah Wardah Wati, Herna Wijoyo, Tomsen Wulandari, Miranti Yamin, Muhammad Richsan Yulianti Yulianti Yuliastri Ambar Pambudhi, Yuliastri Ambar Yusril Hafid, Muhammad Zahari, Iqlima Zikri, Agustia Zulva, Siti Zakiah