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ANALISIS IMPLEMENTASI INSTRUMEN PASAR UANG ANTARBANK BERPRINSIP SYARIAH (PUAS) DALAM MENJAGA LIKUIDITAS BANK SYARIAH INDONESIA
Hajri, Siti;
Desfitri, Annisa;
Safitri, Valia;
Ramadhayanti, Ghita;
Rizal, Rizal
Jurnal Bisnis dan Manajemen (JBM) JBM Vol 21 (2025): Issue 2
Publisher : Faculty of Economics and Business University of Lampung
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DOI: 10.23960/jbm.v21i2.3603
Keberadaan Pasar Uang Antarbank Berprinsip Syariah menjadi salah satu aspek penting dalam stabilitas keuangan suatu bank syariah di Indonesia khususnya dari segi likuiditas. Semakin baik likuiditas bank syariah di Indonesia maka akan semakin bagus tingkat kemampuan pembiayaan program jangka pendeknya. Kajian ini berjudul Implementasi Instrumen Pada Puas Dalam Menjaga Likuiditas Bank Syariah Indonesia. Penelitian ini bertujuan untuk menjelaskan tentang Peran intrumen syariah dalam Pasar Uang Antarbank berprinsip syariah (PUAS) pada perbankan syariah. Dalam penelitian ini menggunakan metode kualitatif dengan pengumpulan data melalui studi literatur terkait. Teknik analisis data dilakukan menggunakan trianggulasi sumber agar dapat menjelaskan secara mendalam terkait implementasi intrumen syariah pada PUAS dalam menjaga likuiditas Bank Syariah Indonesia. Hasil dari penelitian menunjukkan bahwa dengan adanya instrumen syariah yang digunakan dalam pasar uang antarbank memberikan dampak positif terhadap stabilitas likuiditas pada bank syariah indonesia. Berdasarkan data periode hingga juli 2023, nilai aset keuangan syariah Indonesia mencapai Rp.2450 triliun atau terjadi pertumbuhan tahunan sekitar 13,3% dengan menyumbang sekitar 10,94% dari seluruh pangsa pasar keuangan pemerintah. Hal ini menjadi bukti bahwa dengan adanya penerapan instrument syariah pada pasar uang membuat bank syariah memiliki pilihan dalam menjaga likuiditas bank tanpa melanggar prinsip-prinsip islam. PUAS dengan berbagai intrumen-intrumen yang ditawarkan dapat menjadi implikasi nyata dalam menjaga likuiditas bank. Namun perkembangan PUAS dalam menjaga likuiditas bank belum begitu signifikan terlihat dikarenakan adanya beberapa masalah terkait pangsa pasar pada sistem perbankan berbasis syariah seperti kurangnya literasi akan pasar uang antar bank syariah, ketersediaan jaringan bank syariah di berbagai daerah, serta adopsi teknologi yang masih belum maksimal.
Efficacy of Metformin in the Prevention and Management of Paclitaxel Chemotherapy-Induced Peripheral Neuropathy: A Systematic Literature Review
Rizal, Rizal
Bioscientia Medicina : Journal of Biomedicine and Translational Research Vol. 8 No. 5 (2024): Bioscientia Medicina: Journal of Biomedicine & Translational Research
Publisher : HM Publisher
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DOI: 10.37275/bsm.v8i5.986
Background: Peripheral neuropathy is a common side effect of paclitaxel chemotherapy that can cause tingling, numbness, and pain in the hands and feet. Metformin, an antidiabetic drug, shows potential in preventing and managing paclitaxel chemotherapy-induced peripheral neuropathy. This review article aims to evaluate the efficacy of metformin in the prevention and management of peripheral neuropathy due to paclitaxel chemotherapy. Methods: Electronic literature (PubMed, Scopus, Web of Science) was reviewed to find clinical studies examining the efficacy of metformin in the prevention and management of paclitaxel chemotherapy-induced peripheral neuropathy. Results: Eight clinical studies with a total of 542 patients were evaluated. Metformin significantly reduced the risk of developing peripheral neuropathy compared with placebo (OR = 0.54; 95% CI: 0.32-0.91). Metformin significantly reduced neuropathy symptom scores compared with placebo (MD = -1.52; 95% CI: -2.43 to -0.61). Metformin significantly improved patients' quality of life compared with placebo (MD = 0.48; 95% CI: 0.17-0.79). Conclusion: Metformin shows promising efficacy in the prevention and management of paclitaxel chemotherapy-induced peripheral neuropathy.
Parathyroid Adenoma with Multiple Bone Fractures: A Case Report
Rizal, Rizal;
Kiki Achmad Rizki
Bioscientia Medicina : Journal of Biomedicine and Translational Research Vol. 8 No. 5 (2024): Bioscientia Medicina: Journal of Biomedicine & Translational Research
Publisher : HM Publisher
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DOI: 10.37275/bsm.v8i5.987
Background: Parathyroid adenoma is a benign neoplasm of the parathyroid glands and can result in hypercalcemia due to excessive secretion of parathyroid hormone (PTH). This elevated PTH can have various manifestations, including bone fractures. Case presentation: We report the case of Tn. AB is a 41-year-old man with a series of recurrent bone fractures following minor traumas. Within a span of three years, he suffered from fractures in the right femur, left femur, and left humerus, which led to multiple surgeries, including total hip replacements. Further assessments showed an increased level of PTH and a suspicious lesion in the neck region. A CT scan revealed a potential parathyroid adenoma in the peritracheal region of the right side. Moreover, a Sestamibi scan confirmed an adenoma in the postero-inferior lobe of the right thyroid, consistent with Perrier type C, alongside osteoblastic processes and brown tumours. A subsequent parathyroidectomy confirmed a 2 cm diameter adenoma in the right lower parathyroid lobe. Histopathology from the excised tissue confirmed the diagnosis of parathyroid adenoma. Conclusion: Parathyroid adenomas can have significant clinical manifestations, including recurrent bone fractures, due to their metabolic effects on bone integrity. Early detection and surgical intervention can prevent complications and improve the quality of life for these patients.
PENGUKURAN KINERJA KARYAWAN SALES DENGAN METODE BALANCE SCORECARD DI PT KOLEGA MITRA BERJASA
Hanafie, Ahmad;
Haslindah, Andi;
Rizal, Rizal;
Saputra, Dodiek Rara
Journal Industrial Engineering and Management (JUST-ME) Vol. 4 No. 01 (2023): Journal Industrial Engineering and Management (JUST-ME)
Publisher : Program Studi Teknik Industri Fakultas Teknik Universitas Islam Makassar
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DOI: 10.47398/justme.v4i01.43
Mengukur kinerja perusahaan dengan menggunakan metode Balanced Scorecard (BSC) diawali dengan analisis SWOT. Analisis ini bertujuan untuk mengetahui faktor internal dan faktor eksternal perusahaan. Pengukuran kinerja perusahaan dapat didefinisikan sebagai suatu proses untuk menyediakan informasi tentang sejauh mana visi dan misi perusahaan telah dicapai. Tujuan penelitian ini adalah untuk mengukur kinerja karyawan sales dengan menggunakan metode balanced scorecard yang diawali dengan analisi swot. Dari hasil penelitian menunjukkan berdasarkan analisi SWOT, PT Kolega Mitra Berjasa berada dalam kuadran IV (WO) yakni perusahaan menghadapi konsumsi pasar yang terus bertumbuh namun disisi lain perusahaan menghadapi kendala internal. Hasil pengukuran kinerja dengan menggunakan metode balanced scorecard untuk perspektif keuangan terdiri dari peningkatan keuntungan. Keuntungan yang didapatkan pada perspektif keuangan hanya sebesar 15% dari 20% target yang diberikan. Perspektif pelanggan memfokuskan pada peningkatan jumlah mitra UMKM dan hanya mendapatkan sebesar 3% dari target yang diberikan sebesar 6% pertumbuhan dalam tiga bulan. Perspektif proses bisnis internal meliputi proses pelayanan salesman terhapat para mitra UMKM memperoleh hasil yang baik karena tidak terdapat complain terhadap kinerja para sales. Perspektif pembelajaran dan pertumbuhan secara keseluruhan berjalan dengan baik, hal ini ditunjukkan dengan hasil skor yang didapatkan yaitu 10 yang dimana sales dapat mengikuti pelatihan yang diberikan oleh manajemen PT Kolega Mitra Berjasa. Measuring company performance using the Balanced Scorecard (BSC) method begins with a SWOT analysis. This analysis aims to determine the company's internal and external factors. Company performance measurement can be defined as a process to provide information about the extent to which the company's vision and mission have been achieved. This study aimed to measure sales employees' performance using the balanced scorecard method, which began with a swot analysis. The results of the study show that based on a SWOT analysis, PT Kolega Mitra Berjasa is in quadrant IV (WO), namely the company is facing a growing market consumption but on the other hand the company is facing internal constraints. The performance measurement results using the balanced scorecard method from a financial perspective consist of increasing profits. The profit obtained from a financial perspective is only 15% of the 20% target given. The customer perspective focuses on increasing the number of MSME partners and only getting 3% of the given target of 6% growth in three months. The internal business process perspective includes the salesman service process for MSME partners obtaining good results because there are no complaints about the performance of the salespeople. The overall learning and growth perspective is going well, as indicated by the score obtained, which is 10, where sales can take part in the training provided by the management of PT Kolega Mitra Berjasa.
Determinants of Islamic Bank Profitability: Empirical Evidence from NTB Islamic Bank
Rizal, Rizal;
Amran, Elsa Fitri
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 8, No 1 (2022): JUNI 2022
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
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DOI: 10.24952/tijaroh.v8i1.5183
This research aims to analyze the influence of NPF, BOPO and FDR toward ROA on Bank NTB Syariah. This research is a field study with a quantitative approach. The data used in this study is secondary data in the form of Financial Statements in the quarter of 2018 to September 2022 registered with the Financial Services Authority (OJK). This type of research data is panel data that is analyzed using descriptive statistics, classical assumptions and multiple linear regressions. The result of this research shows that NPF affects ROA with signification of 0.007 smaller than α (0.05,) BOPO has no effect toward ROA with significance of 0.485 greater than α (0.05), FDR has no effect toward ROA with significance of 0.485 greater than α (0.05). Simultaneously, NPF, BOPO and FDR have a significant influence toward ROA variables with a significance rate on 0.018 smaller than α (0.05). Further research is expected to add other variables such as assets, financing and DPK and add years of observation in order to get more representative results
IMPLEMENTATION OF E-PERFORMANCE POLICY IN WAJO REGENCY REGIONAL SECRETARIAT
Rizal, Rizal;
Aslinda, Andi;
Sakawati, Herlina;
Ismail, Ismail
Jurnal Aktor Vol 5, No 1 (2025): October
Publisher : Universitas Negeri Makassar
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DOI: 10.26858/aktor.v5i1.78072
This study aims to find out the Implementation of E-Performance Policy in the Wajo Regency Regional Secretariat. This study uses a qualitative approach and produces descriptive data. Data collection was used by observation, interview, and documentation techniques. The data obtained from this study were analyzed using data reduction, data presentation, withdrawal and conclusion testing. The results of this study show that the implementation of the E-Performance policy in the Wajo Regency Regional Secretariat has not been optimally implemented. The four indicators of the success of the implementation of policies that are implemented optimally are disposition, because it is seen from the honest attitude of the apparatus and their commitment in working on the implementation of E-Performance in the Wajo Regency Regional Secretariat. Furthermore, communication indicators have not been implemented properly, this is due to socialization about E-Performance which has not included employees as a whole. Human resource indicators have not been implemented optimally, this is due to the absence of special companions and there are still many employees who still have difficulty understanding the use of E-Performance. The indicators of bureaucratic structure have not been implemented properly, this is because there are no special regulations or standard operating procedures that regulate the use of E-Performance in the Wajo Regency Regional Secretariat
REGULA FORENSICS FACE SDK SEBAGAI SISTEM ABSENSI BERBASIS PENGENALAN WAJAH PADA PLATFORM ANDROID
Widjaya, Rendi;
Irwansyah, Irwansyah;
Rizal, Rizal;
Budiyantara, Agus;
M, Tupan Tri
Infotech: Journal of Technology Information Vol 11, No 2 (2025): NOVEMBER
Publisher : ISTEK WIDURI
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DOI: 10.37365/jti.v11i2.554
Attendance is one of the important activities in organizational management, especially in the fields of education and business. Until now, attendance systems are still mostly done manually with signatures or ID cards. However, these methods are prone to fraud, such as buddy punching or data manipulation. This study aims to develop a facial recognition-based attendance system on the Android platform using Regula Forensics Face SDK. Test results at thresholds of 70%, 85%, and 90% show that the 85% threshold provides the best compromise, with a False Acceptance Rate (FAR) of 0% and a False Rejection Rate (FRR) of 14.3%. In conclusion, a facial recognition-based attendance system can be implemented on the Android platform using the Regula Forensics Face SDK. This technology has been proven to improve security and efficiency in Android attendance systems. In addition, this technology offers an accurate, fast, and secure biometric solution through flexible integration with Flutter. Despite technical and licensing limitations, this technology is still feasible for implementation in modern attendance systems.
Peningkatan Keterampilan Membaca Nyaring Melalui Metode Latihan Terbimbing Pada Siswa Kelas 2 Sdn 24 Palu
masita, Masita;
Rizal, Rizal;
Surahman, Surahman;
Aqil, Muhammad
JURNAL DIKDAS Vol. 10 No. 2 (2022): JURNAL DIKDAS
Publisher : Primary School Teacher Education Study Program; Faculty of Teacher Training and Education; Tadulako University
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DOI: 10.22487/jds.v10i2.3742
The objective of this study was to ascertain whether the guided practice method could enhance the competencies of second grade students at SDN 24 Palu. The objective is to enhance the reading aloud abilities of grade 2 students at SDN 24 Palu through the utilisation of the guided practice method, thereby enabling them to read with proficient and accurate pronunciation and intonation. This research is a classroom action research project, employing a research design based on the Kurt Lewin model of PTK, which encompasses the following four phases: planning, action, observation, and reflection. The assessment was based on the observation of the reading aloud process. The subjects were 25 second-grade students from SDN 24 Palu. The action research process was conducted in two cycles. The data was collected in the form of a table of reading aloud skills, and based on this data, the researchers were able to determine the assessment of the reading aloud skill process. The aforementioned table of learning outcomes for grade 2 students at SDN 24 Palu was consulted. The results demonstrated that the initial observation yielded an average learning outcome of 60.96, with only 20% of the learning process deemed complete. The implementation of the guided practice method in Cycle 1 led to an increase in the average result for reading aloud skills to 76. The average learning outcome was 68.68 with a percentage of completeness of 60%. This reflected the results of the first cycle, whereby it was possible to increase the average student learning outcome in the second cycle to 87.68 with a percentage of completeness reaching 88%. Based on these results, it can be concluded that the guided practice method can improve the ability to read aloud.
Meningkatkan Hasil Belajar Ipa Di Kelas IV SD Negeri Poboya Melalui Metode Inkuiri
Takulo, Megawati;
Surahman, Surahman;
Rizal, Rizal;
Pahriadi, Pahriadi
JURNAL DIKDAS Vol. 12 No. 1 (2024): JURNAL DIKDAS
Publisher : Primary School Teacher Education Study Program; Faculty of Teacher Training and Education; Tadulako University
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DOI: 10.22487/jds.v12i2.3915
The main problem in this study was the low science learning outcomes of fourth-grade students at SD Negeri Poboya. The initial results indicated that most students had not yet achieved the minimum mastery criteria, either individually or classically. This situation required the use of a more effective learning strategy to improve students’ understanding. Therefore, this study applied the inquiry method, which emphasizes active student involvement in observing phenomena, discovering concepts, and drawing conclusions based on their own learning experiences. The research employed Classroom Action Research conducted in two cycles, each consisting of planning, action, observation, and reflection stages. The findings revealed that the inquiry method significantly improved students’ science learning outcomes. In the first cycle, the classical mastery level was only 63% with an absorption rate of 64.21%. After improvements in the second cycle, classical mastery increased to 100% with an absorption rate of 88.42%. These results demonstrate that the inquiry method not only enhanced learning outcomes but also created a more interactive, enjoyable, and motivating learning atmosphere, encouraging students to actively engage in understanding science concepts.
Pengaruh Model Pembelajaran Berbasis Proyek (Pjbl) Terhadap Motivasi Belajar Siswa Pada Mata Pelajaran Ips Kelas V Sd Inpres 3 Tondo
Rinawanti, Rinawanti;
Aras, Nurul Fitria;
Rizal, Rizal;
Pratama, Ryan Andhika
JURNAL DIKDAS Vol. 12 No. 2 (2024): JURNAL DIKDAS
Publisher : Primary School Teacher Education Study Program; Faculty of Teacher Training and Education; Tadulako University
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DOI: 10.22487/jds.v12i2.3992
This study aims to determine the effect of project-based learning model (PjBL) on the learning motivation of fifth grade students at SD Inpres 3 Tondo. The research method used was a quasi experiment type nonequivalent control group design. In this study, the VA and VB classes of SD Inpres 3 Tondo. The research instruments were learning motivation questionnaire, PjBL questionnaire, teacher and student observation sheets. The data analysis technique in this study is a hypothesis test using a non-parametric statistical test using the Man Whitney U test technique and based on the posttest calculation of the control and experimental classes obtained Asymp. Sig. (2-tailed) of 0.046 <0.05. This shows that Ho is rejected and Ha is accepted, so the average social studies learning motivation of students in the experimental class is different from the average social studies learning motivation of students in the control class and it can be concluded that there is an effect of using a project-based learning model on social studies learning motivation of fifth grade students of SD Inpres 3 Tondo.