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Pengaruh Return On Asset (ROA), Financing Deposit To Ratio (Fdr) Dan Return On Equity (ROE) Terhadap Capital Adequacy Ratio (CAR) Pada Bank Bukopin Syariah Periode 2018-2022 Harahap, Annisa Fitriana; Rafidah, Rafidah; Alawiyah, Rabiyatul
Jurnal Ilmiah Wahana Pendidikan Vol 10 No 6 (2024): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10637682

Abstract

The purpose of this study is to examine the effect of Return On Asset, Financing Deposit to Ratio and Return On Equity simultaneously on Capital Adequacy Ratio (CAR) at Bank Bukopin Syariah for the period 2018-2022. The method in this research is quantitative. The type of research used is descriptive quantitative, namely the method of analyzing data using data in the form of numbers or values from the form of data then analyzed by adding information in the form of sentences to explain quantitative data. In this study, researchers collected data using the literature study method and the financial statements of Bank Bukopin Syariah in 2018-2022. The population used in this study is the financial statements of Bank Bukopin Syariah published in the Financial Services Authority (OJK). Sampling in this study using saturated sampling method. The results of this study are 1. There is a positive and significant effect of Return On Asset (ROA) on Capital Adequancy Ratio (CAR) at Bank Bukopin Syariah, 2. There is a positive and significant effect of Financing To Ratio (FDR) on Capital Adequancy Ratio (CAR) at Bank Bukopin Syariah, 3. There is a positive and significant effect of Return On Equity (ROE) on Capital Adequancy Ratio (CAR) at Bank Bukopin Syariah, 4. There is a positive and significant influence together between Return On Asset (ROA), Financing To Ratio (FDR), Return On Equity (ROE) on Capital Adequancy Ratio (CAR) at Bank Bukopin Syariah.
Faktor-faktor yang Mempengaruhi Keputusan Masyarakat Muslim Dusun Rantau Rasau Menggunakan Jasa Bank Konvensional dibandingkan Bank Syariah Manullang, Zuly Nanda; Rafidah, Rafidah
ALSYS Vol 5 No 4 (2025): JULI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/alsys.v5i4.6688

Abstract

The rapid development of the global economy, including in Indonesia, has encouraged the public to be more selective in choosing financial institutions that meet their individual or organizational fund management needs. In this context, society is faced with the choice between conventional banks and Islamic banks. This study aims to identify the factors influencing the decision of the Muslim community in Dusun Rantau Rasau to use conventional banking services and to explore the reasons behind their non-use of Islamic banks. A descriptive qualitative approach was employed through field research. Primary data were obtained through direct interviews and observation, while secondary data were sourced from books, journals, and historical records of Dusun Rantau Rasau. The results reveal that five main factors influence the preference for conventional banks: knowledge, social influence, promotion, culture, and ease of access. Meanwhile, the predominant reasons for not choosing Islamic banks include limited knowledge and minimal promotional exposure. Additionally, informants emphasized that loyalty and a broader understanding of conventional banking services significantly affect their preferences. In conclusion, knowledge stands out as a crucial factor in financial institution selection, followed by loyalty and exposure to promotional strategies.
Pengaruh Perilaku Konsumtif, Media Sosial, dan Religiusitas terhadap Keputusan Pembelian Konsumen pada E-Commerce Shopee (Studi pada Mahasiswa UIN STS Jambi) Yanti, Novita Damai; Rafidah, Rafidah
ALSYS Vol 5 No 4 (2025): JULI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/alsys.v5i4.6690

Abstract

This study is motivated by the increasing trend of online shopping among university students, influenced by various factors. However, there remains a lack of research that simultaneously examines the relationship between consumptive behavior, social media, and religiosity in shaping purchasing decisions on e-commerce platforms. The objective of this research is to analyze the influence of these three variables on the purchasing decisions of students at UIN Sulthan Thaha Saifuddin Jambi on the Shopee platform. A quantitative approach was used with a correlational survey design. The sample consisted of 99 students selected purposively and proportionally using the Slovin formula and stratified random sampling technique. Data were collected through a validated and reliable online Likert-scale questionnaire. Data analysis was conducted using SPSS version 26, involving classical assumption testing, multiple linear regression, t-tests, F-test, and coefficient of determination. The findings show that, partially, consumptive behavior, social media, and religiosity each have a positive and significant effect on purchasing decisions. Simultaneously, the three variables also significantly affect purchasing decisions, with an F-value of 40.705 > F-table value of 2.70 and a significance level of 0.00 < 0.05. This study contributes to the growing body of literature on digital consumer behavior through the lens of religiosity and offers practical insights for developing relevant marketing strategies in the e-commerce era.
Pemanfaatan Limbah Ikan Sebagai Pupuk Organik Cair (POC) Dengan Penambahan Kulit Buah Nanas Dan Air Cucian Beras rafidah, Rafidah; Apriliyanti, Ayu; Hidayat; Zaenab
Sulolipu: Media Komunikasi Sivitas Akademika dan Masyarakat Vol 23 No 2 (2023): Jurnal Sulolipu: Media Komunikasi Sivitas Akademika dan Masyarakat
Publisher : Jurusan Kesehatan Lingkungan Poltekkes Kemenkes Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32382/sulo.v23i2.68

Abstract

The amount of fish waste in the form of fish washing water used by the community resulted in the disposal of more fish waste per day the more increased. Disposal of fish waste to the environment in a manner direct without existing processing no only will raise the smell of very rotten sting but also can bother the environment. Study this aims to know the utilization of fish waste into POC with the addition of skin pineapple and washing water rice. Type research used in the study this is experiment pseudo (Quasi-Experimental) with conducted trials on fish waste with the addition of skin pineapple and washing water rice. The results of research on the manufacture of fish waste POC, fish waste POC with the addition of skin pineapple and washing water rice for 21 days is in quality physique smell fishy (no fulfill terms) and color yellow brownish (fill condition) whereas quality chemistry on POC fish waste with addition skin pineapple fruit yield NPK value (N+P2O5 +K2O) = 0.35%, in POC fish waste with adding washing water rice results NPK value (N+P2O5 +K2O) = 0.28%, and POC fish waste NPK value (N+P2O5 +K2O) = 0.55% stated low or No fulfill standards and pH complied standard. Deep conclusion study this is fish waste with the addition of skin pineapple and washing water rice can be used as POC. It is hoped that researchers furthermore vary time decomposition to become material measuring in the process of becoming POC and selecting material organic containing a high NPK value
Pengaruh Motivasi, Literasi Keuangan, dan Pengetahuan Terhadap Minat Berinvestasi di Pasar Modal Syariah Selmaida, Cici; Rafidah, Rafidah; Syahrizal, Ahmad
Journal of Economics and Business UBS Vol. 12 No. 2 (2023): Regular Issue
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/joeb.v12i2.182

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh motivasi, literasi keuangan dan pengetahuan terhadap minat berinvestasi di pasar modal syariah pada mahasiswa FEBI IAI Nusantara Batang Hari. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif, dan metode analisis data yang digunakan adalah uji koefisien determinaasi. Sampel pada penelitian ini sebanyak 52 sampel mahasiswa FEBI IAI Nusantara Batang Hari angkatan 2019-2020, dengan menyebarkan kuesioner skala likert. Hasil penelitian menunjukan bahwa motivasi (X1) berpengaruh positif signifikan terhadap minat berinvestasi (Y). Hal tersebut dibuktikan dengan nilai dari Thitung 2,723 > Ttabel 2,010 dan nilai Sig 0,009 < 0,05 yang artinya bahwa Ha diterima dan Ho ditolak. Literasi keuangan (X2) menunjukan bahwa terdapat pengaruh positif signifikan terhadap minat berinvestasi (Y). Hal tersebut dibuktikan dengan nilai Thitung variabel literasi keuangan sebesar 3,880 > Ttabel 2.010 dengan nilai signifikansi sebesar 0.001 < 0.005. Sehingga dapat disimpulkan bahwa Ha diterima dan Ho ditolak. Motivasi, literasi keuangan, dan pengetahuan secara bersama-sama berpengaruh signifikan terhadap minat berinvestasi. Hal tersebut diketahui nilai signifikansi untuk (X1), (X2) dan (X3) secara simultan berpengaruh terhadap (Y) sebesar 0,000 < 0,005 dan nilai Fhitung > Ftabel (18,557 > 2,80). Maka dapat disimpulkan bahwa Ha diterima dan H0 ditolak. Hal ini memiliki arti bahwa semakin tinggi tingkat motivasi, literasi keuangan dan pengetahuan yang semakin tinggi minat mahasiswa berinvestasi
Pengaruh Pengetahuan Investasi, Modal Minimal dan Persepsi Risiko Terhadap Minat Pengusaha Sawit Berinvestasi di Pasar Modal Syariah Pramesti, Ranti; Rafidah, Rafidah; Fusfita, Nurlia
Journal of Economics and Business UBS Vol. 12 No. 2 (2023): Regular Issue
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/joeb.v12i2.183

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis seberapa besar pengaruh pengetahuan investasi, modal minimal dan persepsi risiko terhadap minat berinvestasi di pasar modal syariah pada pengusaha sawit di Kecamatan Sumay Kabupaten Tebo. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis data Regresi Linear Berganda. Hasil penelitian menunjukan bahwa pengetahuan investasi (X1) menunjukan berpengaruh signifikan terhadap minat investasi (Y), sehingga dapat disimpulkan bahwa Ha diterima dan H0 ditolak. Modal minimal (X2) menunjukan berpengaruh signifikan terhadap minat investasi (Y), sehingga dapat disimpulkan bahwa Ha diterima dan H0 ditolak. Dan persepsi risiko (X3) tidak berpengaruh signifikan terhadap minat investasi (Y), sehingga dapat disimpulkan bahwa Ha ditolak dan H0 diterima. Sedangkan pengetahuan investasi (X1), modal minimal (X2) dan persepsi risiko (X3) secara simultan berpengaruh signifikan terhadap minat investasi (Y), sehingga dapat disimpulkan bahwa Ha diterima dan H0 ditolak. Adapun pengaruh ketiga variabel tersebut sebesar 24,5%% sedangkan sisanya sebesar 75,5% yang dipengaruhi oleh variabel lain diluar penelitian ini.
Faktor Risiko Dominan Sarana Sanitasi di Pemukiman Pesisir: Studi Kasus Desa Paku Kecamatan Binuang Kabupaten Polewali Mandar Sulawesi Barat Rafidah, Rafidah; Hidayat, Hidayat; Azzahra, Khalisa
Sulolipu: Media Komunikasi Sivitas Akademika dan Masyarakat Vol 25 No 2 (2025): Jurnal Sulolipu: Media Komunikasi Sivitas Akademika dan Masyarakat
Publisher : Jurusan Kesehatan Lingkungan Poltekkes Kemenkes Makassar

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

Abstract

Access to good sanitation facilities is a pressing urgency for communities in theregion. One area that has a high level ofdifficulty of sanitation management is quite high is the coastal area. This research aims to analyzethe risk of environmental sanitation facilities, including clean water, latrines, garbage bins and sewerage (SPAL) in theand sewerage (SPAL) in Paku Village, Binuang Sub-district, West Sulawesi.Polewali Mandar Regency, West Sulawesi. This type of research isanalytic observational research with a cross sectional approach and samples were selected using simple random sampling withusing simple random sampling with a sample size of 400 respondents. Based on the results of the study using the bivariate test, it was found that every sanitation facility includingclean water, latrines, trash cans and SPALs have a relationship with the risk of sanitationsanitation facilities where the p value < α 0.05. Based on the Multivariant Testthat has been done, the highest Exp(B) value is obtained, namely garbage (4.499), then latrine (3.819) high risk, then SPAL (3.793) low riskand clean water (3.080) very low risk. Sanitation facilities in coastal areasPaku Village has different levels of risk, but overall, the most risky is trash bins.the most risky is the trash can. The conclusion of this study is that the level ofrisk of sanitation facilities in Paku Village, Binuang Sub-district, Polewali Mandar Regency, West Sulawesi, namely trash cans, which are a very low risk for sanitation facilities.West Sulawesi, namely trash bins which are a very high risk of sanitation facilities, latrines with a very high risk of sanitation facilities.high, latrine risk.
Paparan Partikulat Matter (PM10 dan PM2,5) pada Lingkungan Kerja di Pabrik Smelter PT Vale Sorowako, Luwu Timur Zaenab, Zaenab; Rafidah, Rafidah; Amien, Fiqih Fauziyah
Sulolipu: Media Komunikasi Sivitas Akademika dan Masyarakat Vol 25 No 2 (2025): Jurnal Sulolipu: Media Komunikasi Sivitas Akademika dan Masyarakat
Publisher : Jurusan Kesehatan Lingkungan Poltekkes Kemenkes Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32382/sulo.v25i2.1787

Abstract

Air is a mixture of gases that surrounds the earth and is an important part of the atmosphere. Air is colorless, odorless, and invisible to the naked eye, but it has mass and volume. Air supports life on earth, providing oxygen for living things, and plays a vital role in various natural processes. Air pollution is currently receiving considerable attention, especially in developing countries and cities with increasing industrialization. Increasing air pollution has a negative impact on human health due to exposure to air pollution. Smelters are where various nickel is processed. Nickel is a strong, corrosion-resistant metal with magnetic properties. Found in various ores, especially laterite and sulfide, nickel is often used in the manufacture of rubber-resistant steel and various industrial products. The nickel mining and processing process can produce pollution through mechanisms involving gas and particle emissions. Air pollution produced by nickel originates from the production process involving the processing of nickel ore which is processed through heating at high temperatures to produce ferronickel or pure nickel. In the area around the PT. Vale Sorowako Luwu Timur industry, there is a high potential for air pollution and health problems originating from nickel industry activities. Health problems can affect the body where particulate matter 10 (PM10) and particulate matter 2.5 (PM2.5) can enter the respiratory tract and reach the lungs and bloodstream which can cause respiratory problems. This study aims to determine the concentration of PM10 and PM2.5 in nickel ore processing production, smelting processes, and workers' rooms at PT Vale Sorowako Luwu Timur. The type of research is descriptive with samples used in the study amounting to 9 measurement points from 3 parts of the smelter factory production. The results of the study showed that the average concentration of PM10 in nickel ore processing production was 1325 µg/m³, the smelting process was 1257 µg/m³, and the workers' room was 1592 µg/m³. and the average concentration of PM2.5 in nickel ore processing production was 555 µg/m³, the smelting process was 764 µg/m³, and the work room was 924 µg/m³. The two highest values were found in the workers' room. Therefore, this study recommends improving ventilation and air filtration systems throughout the production area and conducting regular air quality monitoring.
GERMAS BERLIAN: GERAKAN MASYARAKAT BERDAYAKAN KELUARGA UNTUK IBU DAN ANAK DENGAN PENDEKATAN NEUROBEHAVIOUR, SOSIAL, DAN BUDAYA Fitria Jannatul Laili; Megawati, Megawati; Vonny Khresna Dewi; Rafidah, Rafidah; Erni Yuliastuti; Nur Rohmah Prihatanti; Efi Kristiana; Isnaniah, Isnaniah; Zakiah, Zakiah; Khairir Rizani; Suryanti, Suryanti
JURNAL PENGABDIAN MANDIRI Vol. 4 No. 11: Nopember 2025
Publisher : Bajang Institute

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

Abstract

The Cempaka Subdistrict in Banjarbaru City faces several maternal and child health challenges, including low awareness of clean and healthy living behaviors, limited antenatal care visits, anemia among pregnant women and adolescents, suboptimal exclusive breastfeeding practices, incomplete basic immunization, and inadequate neonatal care knowledge. These problems are compounded by limited access to health services and varying levels of health literacy within the community. This community service program, Germas Berlian (Community Movement to Empower Families for Maternal and Child Health through Neurobehavioral, Social, and Cultural Approaches), aims to enhance community knowledge, skills, and health practices across the life cycle. The activities included coordination and field observation, Focus Group Discussions (FGD), integrated health education, health screenings for pregnant women, adolescents, and toddlers, capacity-building training, and home visits for prioritized families. Post-intervention evaluations demonstrated significant improvements in participants’ knowledge, nutritional awareness, health practices, and screening outcomes. The program highlights the effectiveness of integrated and culturally appropriate educational interventions to empower families and improve maternal and child health in underserved areas.
Co-Authors Abdul Latif Achyat Budianto Agusriadi, Agusriadi Agustina Mutia Ahmad Rizani, Ahmad Ahmad Syahrizal Alawiyah, Rabiyatul Alwi, Ahmad Afwan Alwi, Ardan Ambar wati, Wilis Amien, Fiqih Fauziyah Ananda, Gusnita Putri Anita, Efni Anjani, Sonali Dwi Sari Annisa Rahmawati Annisa, Aulia Anugrah, Idza Sri Apriani, Alfia Apriliyanti, Ayu Apriyanti, Dina Aprizal Wahyudi Diprata Ardana, Rizki Amalia HM Ardilah, Nurul Arfan Arfan Armaz, Eja Auliah, Umi Aurellia, Clarine AYU LESTARI Ayu Purnamasari Azizah, Nurfitriani Azzahra, Khalisa Azzahrah, Chalina Diza Bangun, Vebry Erika Yanti Budirman, Budirman Chaerunnimah . Chika Lestari Daiyah, Isrowiyatun Darmayanti Darmayanti Dayyesi, Hermika Dewi Ayu Aprilianty Dewi Lestari Dewi, Vonny Kheresna Dewi, Vonny Khresna Diwantara, Victor Efi Kristiana Eja Armaz Hardi Elyanti Rosmanidar, Elyanti Erliyana, Nova Erni Setiawati Erni Yuliastuti Erni Yuliastuti Erwin Saputra Siregar Fadillah Nasution, Rizky Febriyanti, Sindy Firman, Nurul Fu'uda Fitria Jannatul Laili Flora, Madya Fusfita, Nurlia Haderiah Haerani Haerani Hafiz, Ahsan Putra Haidah, Nur Hamzah, M. Maulana Hapisah, Hapisah Hapisah, Hapisah Harahap, Annisa Fitriana Hardianti, Khustiah Hareastoma, Hareastoma Herlina Ahmad, Herlina Hidayat Hidayat Hidayat Husen, Muhamad Husin Abdul Wahab Illy Yanti Ilmiah, Muhibbatul INDRIANI, NOVI Islamiati, Wahyuni Isnaniah, Isnaniah Israq Maharani Isrowiyatun Daiyah Januarsih, Januarsih juherah, juherah Julianti, Ayu Juntika, Lisa Puda Kamila, Reygina Tasya Kanahaya, Shofy Nindia Khairir Rizani Khiki Purnawati Kasim, Khiki Purnawati Kristiana, Efi Kurniyati Kurniyati Laili , Fitria Jannatul Lapik, Arnita Resty Latifah, Nurkhatimah Lubis, Atipah Lubis, Princess Anggi Lubis, Puteri Anggi Lubis, Ulfa Annisa M. Nazori M. Salman Alfarisi, M. Salman M. Subhan Madinah, Hijrahtulk Maemunah Maemunah Mahpolah Mahpolah, Mahpolah Manullang, Zuly Nanda Marowiyah, Siti Martina, Rizqina Masdayanti, Masdayanti Masruroh, Khayatul Maulana, Akbar Mawarni, Siti Megawati - Mellya Embun Baining Mubarak, Fadhlul Mubyarto, Novi Mulianingtias, Retno Muliyana Muliyana, Muliyana Mursidah Mursidah, Mursidah Mustasya, Anida Muthmainnah Muthmainnah Naidah, Naidah Nasaiy Aziz Nazori, Nazori Ningsih, Nurul Widhiya Nofriza, Eri Noor Adha Aprilea Noorhayati Maslani Noorwahyuni, Henni Nur Fatimah Nur Rohmah Nur Rohmah Prihatanti Nurilmi, Besse Oktaliana, Tiara Oktapian, Frengki Osa, Afrilia Paramitha Paramitha Pramesti, Ranti Prihatanti, Nur Rohmah Putri, Faradilla Alisa Putriana, Marissa Rabiyatul Adawiyah Rahma, Sri Rahmayanti Rahmayanti Raihana, Raihana Rakhmah, Isyatur Ramadhan, Argianov Ramadhani, Puteri Ahyana Rasjid, Ashari Ratini Ratini, Ratini Rismawati Rismawati Rivai, Abdur Rostina Rostina Rubiati Hipni Rubiati Hipni, Rubiati Rusmia Azizah Rusmilawaty Safitri, Puja Samad, Khairunnisa Abd. Saputra, Apriyan Saputriani, Ita Rahmi Sari, Mutyara Sari, Nuni Puspita Selmaida, Cici Selviana, Noor Fitri Setiarama, Dani SHOLIHA, RAHMA LILI ERFIDA Sindy Febriyanti Siregar, Fitri Ana Siti Nurhaliza Sofia, Norlaila Sugeng Santoso suhrawardi, suhrawardi Sumariati, Sumariati Suryanti Susanti, Delia Susila Wati, Putri Indah Syahrani, Aprilia Tabroni, Muhammad Tanjung, Ferri Saputra Tanjung, Fina Melini Panduwinata Tri Tunggal, Tri Tumanggor, Siti Halimah Usdeldi, Usdeldi vonny khresna dewi Wafa, Wafa Wahyuni, Elina Decelita Wardana, M. Rizky Cahya Wati, Wilis Ambar Wicaksono, Tri Windasari, Hutriana Wulandari, Monica Yanti, Novita Damai Yumira Simamora Yuniarti Yuniarti Zaenab Zaenab Zakiah Zakiah