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All Journal Jurnal Pendidikan Agama Islam QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama JURNAL YAQZHAN: Analisis Filsafat, Agama dan Kemanusiaan Al-Tsaqafa: Jurnal Ilmiah Peradaban Islam GOLDEN AGE: JURNAL PENDIDIKAN ANAK USIA DINI INJURITY: Journal of Interdisciplinary Studies Jurnal Ekonomi, Teknologi dan Bisnis IIJSE
Ulum, Itah Miftahul
Universitas Swadaya Gunung Jati Cirebon
Religion Arts Humanities Astronomy Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Mechanical Engineering Public Health Social Sciences

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The Effect of Financing on Deposit Ratio, Return on Assets, and Third-Party Funds on Musyarakah Financing in Sharia Banks Lestari, Vena Vebriyana Puji; Sukma, Triana Rahayu; Yulianto, Agung; Ulum, Itah Miftahul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.8060

Abstract

This research aimed to determine how Islamic Commercial Banks' Musyarakah Financing was affected by Return on Asset (ROA), Financing to Deposit Ratio (FDR), and Third Party Funds (DPK) between 2021 and 2024. The secondary data utilized originates from the Islamic Commercial Banks' published quarterly financial report data. With a sample size of nine banks, the study's population included 144 Islamic Commercial Bank financial reports and 14 Islamic Commercial Banks. Purposive sampling was employed in the sampling procedure. The Descriptive Statistical Test, Chow Test, Hausman Test, Classical Assumption Test, Heteroscedasticity Test, T Test, and Determination Coefficient Test (R²) are among the statistical tests used in panel data regression utilizing Eviews version 12 software. The findings indicated that return on assets (ROA) had an impact on Musyarakah financing, third party funds (DPK) had no effect, and the financing to deposit ratio (FDR) had a favorable impact.
PAI Teacher Digital Competency Based on Teaching Level Budiyanti, Setia; Ulum, Itah Miftahul; Jaenudin, Amran; Aisyah, Siti
QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama Vol. 14 No. 2 (2022): Qalamuna - Jurnal Pendidikan, Sosial, dan Agama
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Program Pascasarjana IAI Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/qalamuna.v14i2.1937

Abstract

The balance of technological developments in education must be carried out through digital competence. Digital competence is the ability to take advantage of digital technology to contribute more efficiently to work. The increase in the intensity of technology use during the pandemic cannot be generalized that teachers master learning technology. Digital competence has a broad study, not just technical. This study aims to diagnose the digital competence of PAI teachers after the pandemic. The DigiComp framework was adopted in this study to measure digital competence. The research design uses a quantitative approach, survey is applied as a research method. The research sample was PAI teachers throughout the city of Cirebon at various levels of education. The data were analyzed descriptively quantitatively. The results of the teacher's digital competence research cannot be said to meet. From the measured digital competence aspect, it was found that the percentage score was lacking, namely the security aspect and digital content creation. Increasing digital competence through regular training and guidance needs to be implemented.
Co-Authors Agung Yulianto Amran Jaenudin budiyanti, setia Deni Deni Diana, Nanda Lestari, Vena Vebriyana Puji Mardi Mardi Mustopa Mustopa Siti Aisyah Sukma, Triana Rahayu Triana, Lili