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All Journal International Journal of Nusantara Islam TEMA (Jurnal Tera Ilmu Akuntansi) SOSIOLOGI NUSANTARA IDEAS: Journal on English Language Teaching and Learning, Linguistics and Literature JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) Jurnal Penelitian Pendidikan IPA (JPPIPA) Pendas : Jurnah Ilmiah Pendidikan Dasar Halaman Olahraga Nusantara : Jurnal Ilmu Keolahragaan Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik Unes Law Review Harmoni DIKDAS MATAPPA: Jurnal Ilmu Pendidikan Dasar Alamtara: Jurnal Komunikasi dan Penyiaran Islam Jurnal Performa Olahraga Dinar : Jurnal Prodi Ekonomi Syariah Sondir Muhammadiyah Riau Accounting and Business Journal Al-Mudarris : Jurnal Ilmiah Pendidikan Islam Indonesian Journal of Cultural and Community Development Al-Muaddib : Jurnal Kajian Ilmu Kependidikan Edu Sportivo: Indonesian Journal of Physical Education Jurnal Mekanik Terapan PREMIERE : Journal of Islamic Elementary Education KLITIKA Jurnal Ilmiah Pendidikan Bahasa dan Sastra Indonesia EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Jurnal Komunikasi Islam (J-KIs) Jurnal Studi Ekonomi dan Bisnis Islam (SEBI) Agricultural Science Nekton International Journal of Economics, Business, and Entrepreneurship (IJEBE) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) TEKIBA : Jurnal Teknologi dan Pengabdian Masyarakat Behavioral Accounting Journal Indonesian Journal of Physical Education and Sport Science (IJPESS) Economic Reviews Journal JURNAL POLI-TEKNOLOGI Jurnal Sosial dan Sains Al-Iftah: Journal of Islamic studies and society Hexagon Moneter : Jurnal Keuangan dan Perbankan JURNAL PENDIDIKAN DAN KEGURUAN JS (Jurnal Sekolah) JANACITTA: Journal of Primary and Children's Education De`Teksi : Jurnal Teknik Sipil Kopula: Jurnal Bahasa, Sastra, dan Pendidikan Tadulako International Journal of Applied Management (TaJAM) Jurnal Pendidikan Sosial dan Konseling JEAT : Journal of Electrical and Automation Technology Journal of Applied Mechanical Technology (JAMET) Majalah Teknik Industri Indonesian Journal of Education (INJOE) MILRev: Metro Islamic Law Review Jurnal Akselerasi Merdeka Belajar dalam Pengabdian Orientasi Masyarakat (Jurnal AMPOEN) Journal of Islamic Digital Economics and Management Jurnal Bisnis Kehutanan dan Lingkungan Pubmedia Social Sciences and Humanities Jurnal Pendidikan Islam Belalek Jurnal Ilmu Komunikasi dan Sosial Politik Ghiroh Jurnal Pengabdian Masyarakat dan Riset Pendidikan Jurnal Media Akademik (JMA) JIEMAN: Journal of Islamic Educational Management Cross-Border Journal of Business Management El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam RESLAJ: Religion Education Social Laa Roiba Journal Jurnal Pembelajaran Bahasa dan Sastra Juara SD : Jurnal Pendidikan dan Pembelajaran Sekolah Dasar International Journal of Nusantara Islam Alzam : Journal Of Islamic Early Childhood Education JURNAL PENA PAUD Jurnal TNI Angkatan Udara PENG: Jurnal Ekonomi dan Manajemen Jurnal Pengabdian Kepada Masyarakat Bersinergi Inovatif ADM : Jurnal Abdi Dosen dan Mahasiswa CONVERSE Journal Communication Science Recent in Engineering Science and Technology Jurnal Pendidikan Dasar Islam International Journal of Economics, Business and Innovation Research Jurnal Ilmiah Niaga Bisnis Elektronik Journal of Ekonomics, Finance, and Management Studies Jurnal Riset Multidisiplin Edukasi AT-TAKLIM: Jurnal Pendidikan Multidisiplin IPSSJ Aksioma Education Journal Jurnal Pendidikan Bahasa dan Sastra Indonesia Tamilis Synex: Multidimensional Collaboration JPFT (Jurnal Pendidikan Fisika Tadulako Online) Mathematics Education Journal Journal on Mathematics Education The Journal of Financial, Accounting and Economics INTERACTION: Jurnal Pendidikan Bahasa Journal of Humanities, Community Service, and Empowerment Jurnal Studi Ilmu Alquran dan Tafsir International Journal of Multidisciplinary Reseach Jurnal Pengabdian Kepada Masyarakat (JP-MAS) Differential: Journal on Mathematics Education Paradigma: Jurnal Filsafat, Sains, Teknologi, dan Sosial Budaya
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PEMANFAATAN CANVA SEBAGAI MEDIA PEMBELAJARAN INTERAKTIF DALAM MENINGKATKAN MINAT BELAJAR SISWA Kaharudin; Muslimin; Suharti
JS (JURNAL SEKOLAH) Vol. 10 No. 1 (2025): DESEMBER 2025
Publisher : Universitas Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24114/js.v10i1.69071

Abstract

Abstract: This study aims to analyze the effectiveness of utilizing Canva as an interactive learning medium in enhancing student learning interest among 12th-grade students at SMK Pelita Harapan Bima. The digital era demands transformation in education from conventional learning approaches toward interactive digital technology utilization. Canva, as an online design platform, offers an innovative solution for creating engaging and user-friendly learning media. This research employs a qualitative approach with descriptive analysis methods. Data were collected through interviews and observations involving 12th-grade students and teachers as informants. Source triangulation techniques were used to ensure data credibility. The results show that Canva utilization provides significant positive impacts on student learning interest and motivation. The platform creates a more dynamic and engaging learning atmosphere, facilitates material comprehension through attractive visualizations, and develops students' digital skills. From teachers' perspectives, Canva simplifies learning material creation with drag-and-drop features and ready-to-use templates. Despite some technical constraints such as unstable internet connections and adaptation time required by some students, the benefits obtained are far greater. This study concludes that Canva is effective as an innovative alternative for interactive learning media in the digital era to enhance student learning interest. Keywords: Canva, interactive learning media, learning interest, educational technology, digital learning. Abstrak: Penelitian ini bertujuan untuk menganalisis efektivitas pemanfaatan Canva sebagai media pembelajaran interaktif dalam meningkatkan minat belajar siswa kelas 12 SMK Pelita Harapan Bima. Era digital menuntut transformasi dalam dunia pendidikan dari pembelajaran konvensional menuju pemanfaatan teknologi digital yang interaktif. Canva sebagai platform desain berbasis online menawarkan solusi inovatif untuk menciptakan media pembelajaran yang menarik dan mudah digunakan. Penelitian ini menggunakan pendekatan kualitatif dengan metode analisis deskriptif. Data dikumpulkan melalui wawancara dan observasi terhadap siswa kelas 12 dan guru sebagai informan. Teknik triangulasi sumber digunakan untuk memastikan kredibilitas data. Hasil penelitian menunjukkan bahwa pemanfaatan Canva memberikan dampak positif yang signifikan terhadap minat dan motivasi belajar siswa. Platform ini menciptakan suasana belajar yang lebih dinamis dan menarik, memudahkan pemahaman materi melalui visualisasi yang menarik, serta mengembangkan keterampilan digital siswa. Dari perspektif guru, Canva memudahkan pembuatan materi pembelajaran dengan fitur drag-and-drop dan template siap pakai. Meskipun terdapat beberapa kendala teknis seperti koneksi internet yang tidak stabil dan waktu adaptasi yang diperlukan beberapa siswa, manfaat yang diperoleh jauh lebih besar. Penelitian ini menyimpulkan bahwa Canva efektif sebagai alternatif inovatif media pembelajaran interaktif di era digital untuk meningkatkan minat belajar siswa. Kata kunci: Canva, media pembelajaran interaktif, minat belajar, teknologi pendidikan, pembelajaran digital
IMPLMENTASI MEDIA PEMBELAJARAN BERBASIS DIGITAL MENGGUNAKAN QUIZIZZ UNTUK MENINGKATKAN MOTIVASI BELAJAR SISWA DI SMPN 3 BOLO Muhammad Faisal; Muslimin; Lisda Ramdhani
JS (JURNAL SEKOLAH) Vol. 10 No. 1 (2025): DESEMBER 2025
Publisher : Universitas Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24114/js.v10i1.69121

Abstract

Abstract: This research aims to analyze the implementation of digital-based learning media using Quizizz in enhancing student learning motivation at SMPN 3 Bolo. The research method employed is a descriptive quantitative approach with 20 seventh-grade students selected through purposive sampling as the research subjects. Data were collected through direct observation and analysis of digital activity logs from the Quizizz platform, which contained educational puzzle questions during two learning sessions. The research results show significant improvements across various learning motivation indicators. Students' average scores increased from 60.5 to 75.2 (a 24.3% increase), active participation levels rose from 60.5% to 75.5%, and success rates experienced an increase from 70.5% to 80.5%. Learning efficiency was also evident from a 24.7% reduction in average completion time. Behavioral observations of students showed improvements in enthusiasm (10%), active participation in discussions (20%), focus and concentration (18.7%), and positive competitive interaction (24.6%). The distribution of motivation categories showed that 80% of students were in the high and very high motivation categories, with no students in the low motivation category. This research concludes that the implementation of Quizizz as a digital-based learning medium is effective in enhancing student learning motivation through gamification features that create a competitive and enjoyable learning environment. Despite limitations in sample size and research duration, the consistent improvement across various indicators demonstrates that Quizizz can serve as an effective alternative solution to address low learning motivation in conventional learning approaches. Keywords: Digital Learning Media, Quizizz, Learning Motivation Abstrak: Penelitian ini bertujuan untuk menganalisis implementasi media pembelajaran berbasis digital menggunakan Quizizz dalam meningkatkan motivasi belajar siswa di SMPN 3 Bolo. Metode penelitian yang digunakan adalah pendekatan kuantitatif deskriptif dengan subjek penelitian sebanyak 20 siswa kelas VII yang dipilih secara purposive. Data dikumpulkan melalui observasi langsung dan analisis log aktivitas digital dari platform Quizizz yang berisi soal-soal teka-teki edukatif selama dua sesi pembelajaran. Hasil penelitian menunjukkan peningkatan signifikan pada berbagai indikator motivasi belajar. Skor rata-rata siswa meningkat dari 60,5 menjadi 75,2 (naik 24,3%), tingkat partisipasi aktif meningkat dari 60,5% menjadi 75,5%, dan tingkat keberhasilan mengalami kenaikan dari 70,5% menjadi 80,5%. Efisiensi pembelajaran juga terlihat dari penurunan waktu pengerjaan rata-rata sebesar 24,7%. Observasi perilaku siswa menunjukkan peningkatan antusiasme (10%), partisipasi aktif dalam diskusi (20%), fokus dan konsentrasi (18,7%), serta interaksi kompetitif yang positif (24,6%). Distribusi kategori motivasi menunjukkan 80% siswa berada pada kategori motivasi tinggi dan sangat tinggi, tanpa ada siswa yang berada pada kategori motivasi rendah. Penelitian ini menyimpulkan bahwa implementasi Quizizz sebagai media pembelajaran berbasis digital efektif dalam meningkatkan motivasi belajar siswa melalui fitur gamifikasi yang menciptakan lingkungan pembelajaran yang kompetitif dan menyenangkan. Meskipun terdapat keterbatasan dalam hal jumlah sampel dan durasi penelitian, konsistensi peningkatan pada berbagai indikator menunjukkan bahwa Quizizz dapat menjadi alternatif solusi efektif untuk mengatasi rendahnya motivasi belajar dalam pembelajaran konvensional. Kata kunci: Media pembelajaran digital, Quizizz, motivasi belajar  
The Influence Of Profitability, Capital Structure, And Company Growth On Company Value With Dividend Policy As A Moderating Variable In Insurance Companies Listed On The IDX From 2020 To 2024 Sheni Faradhiba Yusuf; Muslimin; Nindytia Puspitasari Dalimunthe
International Journal of Economics, Business and Innovation Research Vol. 5 No. 01 (2026): December - January, International Journal of Economics, Business and Innovatio
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v5i01.2883

Abstract

This study aims to analyze the influence of profitability, capital structure, and company growth on firm value, with dividend policy as a moderating variable in insurance companies listed on the Indonesia Stock Exchange (IDX) for the 2020–2024 period. Profitability is measured by Return on Assets (ROA), capital structure by Debt to Equity Ratio (DER), company growth by Growth Assets Ratio (GR), dividend policy by Dividend Payout Ratio (DPR), and firm value by Price to Book Value (PBV). The research sample consists of 21 insurance companies selected using the purposive sampling method. The analysis method employed is panel data regression, with the Random Effect Model (REM) identified as the most suitable model. The results indicate that profitability, capital structure, and company growth partially have no significant effect on firm value. Furthermore, dividend policy is not proven to moderate the influence of profitability, capital structure, or company growth on firm value. The low Adjusted R-squared value indicates that the independent variables in this study are insufficient to explain variations in firm value within the insurance sector during the observation period.
Gangguan Kecemasan Tokoh Segara Alam dalam Novel Namaku Alam: Kajian Psikologi Sastra dan Pembelajaran Bahasa Indonesia Hasan, Masni; Muslimin; Ali, Ayu Hidayanti
KLITIKA Jurnal Ilmiah Pendidikan Bahasa dan Sastra Indonesia Vol. 7 No. 2 (2025): Klitika
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/klitika.v7i2.7481

Abstract

Penelitian ini bertujuan untuk mendeskripsikan bentuk gangguan kecemasan berupa Post-Traumatic Stress Disorder (PTSD) yang dialami tokoh Segara Alam dalam novel Namaku Alam karya Leila S. Chudori berdasarkan kajian psikologi sastra. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif analisis. Data penelitian berupa kutipan narasi dan dialog yang menunjukkan gejala gangguan kecemasan pada tokoh utama. Sumber data diperoleh dari novel Namaku Alam sebagai data primer. Teknik pengumpulan data dilakukan melalui studi kepustakaan dengan cara membaca secara intensif, mencatat, dan mengklasifikasikan data sesuai fokus penelitian. Teknik analisis data menggunakan model analisis interaktif yang meliputi tahap reduksi data, penyajian data, serta penarikan kesimpulan. Analisis data mengacu pada teori Post-Traumatic Stress Disorder yang dikemukakan oleh Gerald C. Davison dkk. Hasil penelitian menunjukkan bahwa tokoh Segara Alam mengalami gangguan kecemasan berupa PTSD yang ditandai oleh tiga gejala utama, yaitu gejala penghindaran, gejala gairah, dan gejala mengalami kembali. Pada gejala penghindaran ditemukan tiga bentuk gangguan, gejala gairah ditunjukkan dalam dua bentuk, sedangkan gejala mengalami kembali juga ditemukan dalam dua bentuk. Gejala-gejala tersebut menggambarkan dampak trauma masa lalu terhadap kondisi psikologis tokoh utama. Simpulan penelitian ini menunjukkan bahwa gangguan kecemasan PTSD memengaruhi sikap, emosi, dan perilaku tokoh Segara Alam secara signifikan. Penelitian ini diharapkan dapat memperkaya kajian psikologi sastra serta dimanfaatkan sebagai referensi pembelajaran analisis novel dalam pendidikan Bahasa Indonesia.
The Influence of Fintech Management, Financial Literacy, Investment Knowledge, and Investment Motivation on Investments of Students Alfiansyah, Rifki; Muslimin
JIEMAN: Journal of Islamic Educational Management Vol. 7 No. 2 (2025): JIEMAN: Journal of Islamic Educational Management
Publisher : The Faculty of Education and Teaching Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jieman.v7i2.283

Abstract

This study explores the influence of financial technology, financial literacy, investment knowledge, and investment motivation on investment decisions among undergraduate accounting students at public universities in Surabaya. Amid the rapid growth of financial technology and its widespread use among young adults, understanding the key determinants of students’ investment behaviour has become increasingly relevant in contemporary financial markets. Adopting a quantitative approach, data were collected through a structured survey and analysed using Partial Least Squares–Structural Equation Modelling (PLS-SEM) to assess both the measurement and structural models. The findings reveal that financial literacy, investment knowledge, and investment motivation have a significant and positive effect on investment decisions, whereas financial technology does not show a significant influence. These results suggest that, despite the increasing availability of technological tools, effective investment decision-making is more strongly shaped by individual competencies and motivational factors. Accordingly, the study highlights the importance of strengthening financial education and enhancing students’ financial and digital competencies to promote more informed, rational, and confident investment behaviour among future accounting professionals.
The Symbolic Meanings of Traditional Objects in the Mohuntingo Procession in Kabila District Yuyun Indriani Ointu; Mohamad Karmin Baruadi; Muslimin
INTERACTION: Jurnal Pendidikan Bahasa Vol. 12 No. 4 (2025): INTERACTION: Jurnal Pendidikan Bahasa
Publisher : Program Studi Pendidikan Bahasa Inggris, Universitas Pendidikan Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36232/interactionjournal.v12i4.4642

Abstract

The Mohuntingo procession is a sacred birth ritual in the Gorontalo community, performed as an expression of gratitude through the ceremonial cutting of an infant’s hair. Beyond its ceremonial nature, this tradition embodies deep philosophical values reflected in each ritual stage and the symbolic use of traditional objects. Every element in the Mohuntingo procession represents the cultural worldview of the Gorontalo people, which is strongly rooted in customary practices and Islamic principles. This study provides a detailed description of the Mohuntingo stages in Kabila District and examines the symbolic meanings of the traditional objects used, including young coconut, betel nut, dulang, fragrant oil, a razor, flowers, and lu’adu. A descriptive qualitative design was employed, with data gathered through observation, interviews with traditional and religious leaders, cultural practitioners, and local residents, as well as field documentation. Data were analyzed through reduction, presentation, and interpretation while maintaining the sociocultural context of Gorontalo society. The findings reveal that each traditional object holds symbolic meanings related to purity, protection, cultural identity, life harmony, and the reinforcement of religious values. The ritual also strengthens social cohesion, deepens kinship ties, and functions as a medium for transmitting customary and Islamic values to younger generations. Overall, the study concludes that Mohuntingo is not merely a birth ritual but a cultural transmission system rich in spiritual, social, and educational significance, demonstrating the enduring relevance of Gorontalo’s cultural identity amid modernizing influences.
dari Pelecehan Menjadi Stigma: Normalisasi Kekerasan Patriarki dalam 'Women from Rote Island' Dwi Oktarina, Dwi Oktarina; Dwi Oktarina; Eni Murdianti; Muslimin
ALAMTARA Vol 9 No 2 (2025): Alamtara: Jurnal Komunikasi dan Penyiaran Islam
Publisher : Program Studi Komunikasi dan Penyiaran Islam (KPI) Institut Agama Islam Tarbiyatut Tholabah (IAI TABAH)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/alamtara.v9i2.4232

Abstract

This study explores the representation of patriarchy in the film Women from Rote Island using a qualitative approach with Roland Barthes’s semiotic analysis. This approach was chosen because it enables the researcher to uncover symbolic meanings, cultural values, and gender ideologies embedded in the audiovisual text. Primary data consist of the film itself, analyzed through elements such as dialogue, gestures, facial expressions, costumes, setting, props, cinematography, and narrative plot. Secondary data include books, journal articles, film reviews, and literature on semiotics, gender, and media. Data were collected through documentary observation (repeated screenings, transcription of key dialogues, and relevant screenshots) and literature review. Analysis followed Barthes’s three stages: denotation, connotation, and myth. The findings reveal that patriarchy operates through harassment, objectification, stigma, and social neglect, which normalize violence and shift blame onto women (victim blaming). The film articulates moral imperatives such as: ending victim blaming, reinterpreting customary law as protection of dignity, fostering empathetic masculinities, ensuring safe public spaces, dismantling stigma as a silencing tool, and demanding state and law enforcement support for survivors. Thus, Women from Rote Island not only exposes the wounds of patriarchy but also conveys an ethical call for protection and the construction of a just and gender-equal culture.
Dampak Bullying terhadap Perkembangan Psikologi Anak: Perspektif Q.S. Al-Hujurat Ayat 11 dalam Pembentukan Karakter Siswa Pendidikan Dasar Mukmin; Muslimin; Muhammad Aminullah; Nurlaila
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 10 No. 04 (2025): Volume 10 No. 04 Desember 2025
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v10i04.39500

Abstract

This study aims to analyze the impact of bullying on the psychological development of children at the primary education level, with the perspective of Q.S. Al-Hujurat verse 11. Bullying can harm children's psychological development in emotional, social, and character-building aspects. The verse teaches the importance of mutual respect and avoiding behavior that degrades others, which is relevant in addressing bullying in the school environment. The research method used is qualitative, with a literature review approach and text analysis. Data was gathered through a review of literature related to bullying and the interpretation of Q.S. Al-Hujurat verse 11. This study also involves observations regarding bullying behavior in primary school settings. The results indicate that bullying can lead to psychological disturbances in children, such as anxiety, depression, low self-esteem, and difficulties in building social relationships. The perspective of Q.S. Al-Hujurat verse 11 offers social ethical values that emphasize the importance of maintaining harmony among individuals and avoiding behaviors that can harm social relationships. The conclusion of this study is that character education based on Quranic values, particularly those contained in Q.S. Al-Hujurat verse 11, can serve as a strong foundation for preventing and addressing bullying in primary schools. Efforts to prevent bullying through the development of character that emphasizes respect and mutual appreciation should be implemented in primary education to protect the psychological development of children.
Upaya Guru Mengimplementasikan Pembelajaran Menggunakan Kurikulum Merdeka di Kelas IV SDS Tarbiyatul Islam Sambas Tahun Pelajaran 2023-2024 Muslimin
Belalek Vol. 3 No. 1 (2025): BELALEK: Jurnal Pengabdian Kepada Masyarakat (Journal of Community Services)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/belalek.v3i1.3807

Abstract

This study aims to describe the planning, implementation, and evaluation of the Independent Curriculum (Kurikulum Merdeka Belajar) at SDS Tarbiyatul Islam Sambas in the 2023–2024 academic year. This research employed a qualitative approach with a phenomenological design, using interviews, observations, and documentation as data collection techniques. Data analysis was conducted through data reduction, data presentation, and conclusion drawing. The findings reveal that lesson planning was carried out by teachers through the preparation of teaching modules based on learning outcomes, formulation of learning objectives, sequencing of objectives, and assessment planning. The learning process was implemented in three stages: introduction, core activities, and closing, with formative assessments conducted periodically. Evaluation was carried out through formative assessments during the learning process and summative assessments at the end of learning, in accordance with the prepared teaching modules. Despite challenges such as limited facilities and infrastructure, teachers strived to optimize learning in line with the principles of the Independent Curriculum to support the school’s vision and mission.
ANALYSIS OF RISK PROFILE, EARNINGS, AND CAPITAL ON THE HEALTH LEVEL OF CENTRAL ASIA BANK Viane Talundu; Vitayanti Fattah; Muslimin; Fera
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 6 No. 3 (2026): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

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

Abstract

Banking plays a crucial role in supporting national economic growth through its intermediary function, liquidity provision, and credit distribution to the real sector. During the monetary policy normalization period of 2022–2024, the banking industry faces the challenge of maintaining optimal credit distribution without neglecting risk control and capital strengthening. This situation emphasizes the importance of evaluating bank health, both empirically and based on relevant theoretical frameworks. This study aims to analyze the health level of PT Bank Central Asia Tbk based on Risk Profile, Earnings, and Capital aspects , and examine the results from the perspectives of Risk Management Theory, Efficiency Theory, and Trade-Off Theory . The study uses a descriptive quantitative approach with secondary data in the form of financial reports for the 2022–2024 period. The indicators analyzed include Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA), Net Interest Margin (NIM), and Capital Adequacy Ratio (CAR) in accordance with the provisions of the Financial Services Authority (OJK). The research results show that BCA is in the Very Healthy (PK-1) category, with an achievement level of 96.00%–100.00%. Credit growth was not accompanied by an increase in credit risk, profitability increased consistently, and capital remained well above the minimum threshold. These findings demonstrate that the balance between credit growth, risk management, and capital adequacy is key to maintaining banking stability during the economic recovery period.
Co-Authors ., Rio setiawan Abas, Dwi Anggriani Abd Halik Abd. Rahman Hamid Abdul Halik Abdul Halik Abdul Wahab Abdur Razzaq Abul Walid Achmad Syarifudin Achmad Syarifudin, Achmad ADLIN, ADLIN Aggraeni, Nur Agnes Agus Kurniawan Agus Kurniawan Agustini, Meli Ahdar Ahmad Haidhir Amirulloh Ahmad Hayyi Ramadhan Ahmad Kudori Ahmad Riko Rikardo Aini Zuhra Abdul Kadir Aja Rowikarim Akhirudin Al Banna, Muhammad Zikri Alam, M. Hafizin Alfiansyah, Rifki Ali, Ayu Hidayanti Ali, Magvira Ali, Muhammad Syahdan Almahdi Amrina Rizta Anace Andi Eka Putra Anggraeni, N. A. Anis Sa’adah Annadira Aprizal Fikri Ardiyanto Saleh Modjo Ariel Dwisaputra Rifai Arman, Nur Aulia Arsalan, M Akram Asgar Taiyeb Asnawi Husain Atesya Kesumawati, Selvi Athiyyah Mumtaazah Atika, Sri Atikah Tri Budi Utami Avriliawati A. Nihali Bagaskara, Arya Bayu Hardiono Cahyati, Nuni Ihda Candra Darmawan Caroline Hilari Crecentia Ergina Kolyn Choiriyah Dakia N. Djou Daniel Janthinus Kristianto Danil Padila Darwis, Muhajir Deni Pambudi Devy Pramudiana, Ika DEWI SARTIKA Dwi Oktarina Dwi Oktarina, Dwi Oktarina Eding Iskak Imananto Eka Sartika Eka Sartika, Eka Elimawaty Rombe Ely Susanti Endrawan, I Bagus Eni Murdianti Eni Murdiati Faisal Faisal Fajar Nawawi Bihatma Fajar Syaiful Akbar Fajar, Muh Sultan Farhan Hamzah Fariz Primadi Fatimah Kacem Febriyana, Dyah Fera Fhadilah Chaessar Aulia Firdaus , Ilyas Gafar, Abd. Garjati, Vina Nanda GAZALI, MOH. Genia Auberta Gustianto, Fahrulrozi Hadimas Pratama Hajairin Halik, Muzakkir Halimatus Sa'diyah HAMIDAH Hamsaturrahman Hanipah, Heni Happy Susanto Harmoko Hartiningrum, Esty Saraswati Nur Haruna, Moh. Iqbal A. Haryati , Eny Hasan, Masni Hasmawati, Fifi Heri Rukmana Herman Didipu Herson Kadir Hery Widijanto Hikhmat, Rokhmatul Humayroh, Siti I Komang Werdhiana Ibrahim Iim Hermalia Iis Aisaroh Iksan Dwi Ramadhan ILHAM Indaryanti Indaryanti Indrawari Indrawati Intan Sari, Dewi Irma Khosidah Islamul Haq Ismail, Siti Sahara Jefry, Arinaldo Joan Rhobi Juliana Kadang Julianti, Rani Jumiati Jumriani Kahan Tony Hendrawan Kaharudin Kandriana, Muhammad Kartika Megawati Kasim , Yunus Katsirin, Khairul Kesumawati, Selvi Atesya Kiki Fatkhiyani Kusnadi Lailatussobaria, Rinda Lailul Mursyidah Liliaman, Muhammad Lilik Asmiatur Rosidah Lilis Asmiatur Rosidah Lisda Ramdhani Lukman Lukman Ali Lutfi Luthfi Salim M. Abdul Ghofur M. Amin Sihabudin M. Prasha Risfi Silitonga M. Yogi Riyantama Isjoni Maharani M Pamarung Mahmudin Manalullaili Mardani, Dede Aji Mardiyah Hayati Martinus Marungkil Pasaribu Maskuri Sutomo Masruchan Masrur, Muhammad Mas’ad Mato, Meylan MIFTAHUL JANNAH Mintasrihardi Mipa Padila Mochammad Imron Awalludin Mohamad Karmin Baruadi Muh Nur Fahri Raihan Hw Muh. Fadhil Hamzah Muh. Fajar, Muh. Muhamad, Azam Muhammad Abdul Qadir Jailani Muhammad Akmansyah Muhammad Ali Muhammad Aminullah Muhammad Asrul Sultan Muhammad Aziz Muhammad Faisal Muhammad Faliq Mubarrok Ilmi Muhammad Farhan Muhammad Ihsan muhammad irfan Muhammad Khalis Ilmi Muhammad Wildan MUKMIN Munasih Munawarah Musfirah Muslimah Mustofah , Amirul Muthalib, Sry Ariyanti A. Nabilla, Shinta Nadiya Nurfelizha Natriani Syam Naufal Maulana Waluyo Na’imah, Ummu Nelson Andresanto Jonathan Nindytia Puspitasari Dalimunthe Nirwana, Tri Ruwanti Bela Novia Eka Rahmadanty Nudiatulhuda Mangun Nur Agnes Eka Anggraeni Nur Aini, Evinda Dwi Nur Ilman Nur Indah Sari Nur Meilani Nuraida Nurasyah Dewi Napitupulu Nurhayati Nurkhafifah Kasau Nurlaila Nurseri Hasnah Nasution Nurul Mukhlisa Nurwiani, Nurwiani Nyimas Aisyah Oemi Noer Qomarijah Prastio, Dwi Seva Pratiwi Wulandari Prawira, Valen Yudha Rahim, Aulia Rahman, Andhika Rahman, Fatchiyah Rahman, Nur Isda Niar Rahmawati Raid, Dzaky Muhtadi Rakhmad Wahyudi Ratu Ilma Indra Putri Retno Wulandari Rian Risendy Ridho Awlia Ridwan Ririn Andriani Kumala Dewi Ritha Tuken, Ritha Riyanto, Cantika Zalfa Alifiana Rizal R. Manullang Rizka Rizkia, V. Rizkydermawan Rohmatul Umami Roshalita, Nabila Rusani Jaelani Rusdy A. Siroj Rustendi, Teten Ryan Hasianda Pasaribu S Suharti Safiil Maarif, Safiil SAIFUL ANWAR Salsabila, Desi Fitri Salsabyla Kirana Gani Famulya Saputra, Rezzy Sari, Triya Satria, M. Haris Sayama Malabar Selvi Melianty Septaliza, Dewi Septianita, Sella Sheni Faradhiba Yusuf Shonhaji SIGIT DWI LAKSANA Sihabudin, Amin Silitonga, Muhammad Prasha Risfi Sisi Yola Rizka Siti Dewanti Slamet Boediono soleh, M Somantri, Agung Angga Sonny Yalti Duma Sonya Azharani Nugrahani Sri Trisnaningsih Stela Ramadhani Khalashinikov Suci Rohmatul Rizky Sudarmawan, Raden Grenny Supriyadi SURYANI Syaifudin Taroreh, Bangkit Seandi Taufik Muchtar Tri Rahayu Viane Talundu Vianita Sholeshi Vika Rizkia Vitayanti Fattah Wahidah Wahyu Prasetiyo Wahyuningsih Wan Mansor Bin Wan Muhamad Wanda, Tri Wawan Krismanto Wisnu Akbar Prabowo WULAN PURNAMASARI, WULAN Yola Mutia, Listy Yulia, Novi Yunus Kasim Yusran Yuyun Indriani Ointu Zahra, Nabilla Ayu Zulkaidhah Zulkaidhah Zulkardi