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All Journal Jurnal Penelitian dan Evaluasi Pendidikan Jurnal Pendidikan Teknologi dan Kejuruan Indigenous: Jurnal Ilmiah Psikologi Jurnal Ilmiah Ekonomi Islam Dinamika Ilmu Jurnal Psikologi Islam El-Qish: Journal of Islamic Economics Economic Reviews Journal DINAMIKA ILMU: Jurnal Pendidikan Jurnal Ilmu Sosial Humaniora Indonesia Jurnal Pengabdian Masyarakat dan Riset Pendidikan El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam ASWALALITA: Journal of Da'wah Management Berbakti
Kumaidi Kumaidi
Universitas Muhammadiyah Surakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Penguatan Literasi Kritis Siswa SMA SMK dan MA melalui Pembekalan Lomba Resensi Buku Berbasis Koleksi Perpustakaan Daerah Tuban Kumaidi, Kumaidi
BERBAKTI: Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 03 (2026): ISSUE FEBRUARI
Publisher : PT. Mifandi Mandiri Digital

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

Abstract

Rendahnya kemampuan literasi kritis siswa jenjang SMA, SMK, dan MA masih menjadi tantangan dalam dunia pendidikan, khususnya dalam hal pemahaman bacaan dan kemampuan menulis analitis. Kondisi ini juga berdampak pada belum optimalnya pemanfaatan koleksi perpustakaan sebagai sumber belajar yang bermakna. Program Pengabdian kepada Masyarakat ini bertujuan untuk memperkuat literasi kritis siswa melalui pembekalan lomba resensi buku berbasis koleksi Perpustakaan Daerah Tuban. Kegiatan ini dilaksanakan dengan melibatkan siswa-siswi perwakilan dari SMA, SMK, dan MA di Kabupaten Tuban, serta bekerja sama dengan Perpustakaan Daerah Tuban sebagai mitra strategis. Metode pelaksanaan program menggunakan pendekatan partisipatif dan edukatif yang meliputi analisis kebutuhan, pembekalan literasi kritis dan teknik resensi buku, pendampingan penulisan resensi, serta evaluasi kegiatan melalui lomba resensi buku. Pembekalan dilakukan secara interaktif dengan memanfaatkan koleksi Perpustakaan Daerah Tuban sebagai sumber utama bacaan. Hasil kegiatan menunjukkan adanya peningkatan pemahaman siswa terhadap konsep literasi kritis dan kemampuan menulis resensi buku secara sistematis, objektif, dan argumentatif. Selain itu, kegiatan ini juga mendorong meningkatnya minat siswa dalam memanfaatkan koleksi perpustakaan serta memperkuat peran Perpustakaan Daerah Tuban sebagai pusat pengembangan literasi masyarakat.
Examining ROA, ROE, and FDR Contributions to CAR BSI During PostPandemic (2021-2023) Kumaidi, Kumaidi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i3.7478

Abstract

This study was conducted to determine the effect of Return on Assets (ROA), Return on Equity (ROE), and Financing to Deposit Ratio (FDR) on financial performance, both simultaneously and partially, in relation to the Capital Adequacy Ratio (CAR). The research focuses on Bank BSI Syariah Indonesia, and the research sample is based on secondary data from annual reports released between 2021 and 2023. To analyze the data, this study uses SPSS 18. Several stages of analysis include conducting multiple linear regression tests, which encompass T and F hypothesis tests. The analysis results show that ROA has a significant positive effect on CAR, meaning that the higher the ROA, the greater the bank's capital adequacy. Conversely, ROE and FDR show a negative effect on CAR, as an increase in both variables is inversely related to CAR values. These findings provide valuable insights for bank management to improve financial performance and maintain capital stability. It is hoped that this research will contribute to the literature on Islamic finance and assist regulators in formulating policies that support the stability of the Syariah banking sector in Indonesia.
Integrasi Literasi Keuangan Syariah dalam Kurikulum Pendidikan Tinggi: Kerangka Integratif Kumaidi, Kumaidi; Saskia, Arna; Rahayu, Ade; Padli, Hardiansyah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.10885

Abstract

The rapid growth of Indonesia’s Islamic finance industry contrasts with persistently low Islamic financial literacy, particularly among university students as future professionals. This study aims to synthesize existing literature to develop an integrative framework for embedding Islamic financial literacy within higher education curricula, identify multi-level implementation barriers, and propose adaptive strategies aligned with digital transformation. Using a qualitative Systematic Literature Review (SLR), this study analyzes ten peer-reviewed publications published between 2021 and 2025 through content and thematic analysis. The findings indicate that effective integration requires a holistic curriculum design encompassing cognitive, affective, and psychomotor competencies, supported by institutional readiness, lecturer capacity, and multi-stakeholder collaboration. Major barriers emerge at the micro, meso, and macro levels, including superficial digital literacy, limited interdisciplinary expertise among lecturers, fragmented institutional policies, and weak coordination between academia, industry, and regulators. This study demonstrates that digital transformation offers strategic opportunities to strengthen Islamic financial literacy through interactive, experiential, and community-based learning, provided it is accompanied by the development of critical and ethical financial reasoning. The main contribution of this research lies in proposing an integrative framework that connects curriculum design, implementation barriers, and adaptive strategies within a value-based and digitalized education context, offering theoretical and practical implications for higher education institutions and policymakers.
Co-Authors Abbas, Darul Qotni Amin, Muhammad Mustaghfirin Andini Maulidiya, Sabrina Arna Saskia Arya Tama, Galang Badrun Kartowagiran Bahrudin Bahrudin Djemari Mardapi Farida, Rahayu Irawan, Chandra - M. Duskri Mawardi Muhammad Bagus Sudinadji Mundilarto Mundilarto Mundzir, Moh. Nur Adha, Rinda Padli, Hardiansyah Purnamasari, Desti Qaulan Ma'rufa, Muhammad Rahayu, Ade Rinda Trihariyanto, Ranto Saskia, Arna Septyaninda, Taqwa Hasma Siti Choiriyah Soenarto Soenarto Suryanto Suryanto Syukri Iska Ulhaq Azmi Mustin, Dheiya’ Wiwi Isnaeni Yuli Prihatni Yundari, Yundari