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Tingkat Kesehatan Perbankan Syariah di Indonesia: Studi Komparatif Menggunakan Metode CAMEL Taufiq, Imam; Rofiqo, Azidni
Etihad: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2022)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v2i1.3949

As an intermediary institution, Islamic banks are required to always maintain the health of the bank. One way to measure the soundness of a bank by Bank Indonesia regulations is CAMEL. The financial ratios used in the CAMEL method are Capital, Assets, Management, Earnings, and Liquidity. This study aims to determine the soundness of Islamic banking in 2019, and the role of Regulators (Financial Services Authority and Sharia Supervisory Board) in improving bank health. The results of the study show: a) that of the 7 Sharia commercial banks in Indonesia, 3 are in the HEALTHY category, namely Bank Mandiri Syariah, Bank BNI Syariah, and Bank BTPN Syariah. 1 Bank is included in the ENOUGH HEALTHY category, namely Bank BJB Syariah. 2 Banks are in the UNHEALTHY category, namely Bank Bukopin Syariah and Panin Dubai Syariah, and 1 bank is included in the UNHEALTHY category, namely Bank BRI Syariah. b) In supervising and improving bank soundness, OJK has the following authorities: 1) Liquidity, profitability, solvency, asset quality, minimum capital adequacy ratio, maximum lending limit, loan to deposit ratio, and bank reserves, 2) related bank statements with bank health and performance, 3) debtor information system, 4) credit testing; and 5) Bank accounting standards. c) The role of DPS in improving the health of non-financial banks includes: ex-ante auditing, post ante auditing, and calculation and payment of zakat.Sebagai lembaga intermediary, bank Syariah wajib untuk selalu menjaga tingkat kesehatan bank. Salah satu metode untuk mengukur tingkat kesehatan Bank sesuai dengan ketentuan Bank Indonesia adalah CAMEL. Rasio keuangan yang digunakan dalam metode CAMEL, yaitu : Capital, Assets, Management, Earnings, dan Liquidity. Penelitian ini bertujuan untuk mengetahui tingkat kesehatan perbankan Syariah pada tahun 2019, dan peran Regulator (Otoritas Jasa Keuangan dan Dewan Pengawas Syariah) untuk meningkatkan kesehatan bank. Hasil penelitian menunjukkan : a) bahwa dari 7 bank umum Syariah yang ada di Indonesia, 3 masuk dalam kategori SEHAT yaitu Bank Syariah Mandiri, Bank BNI Syariah, dan Bank BTPN Syariah. 1 Bank masuk dalam kategori CUKUP SEHAT yaitu Bank BJB Syariah. 2 Bank masuk dalam kategori KURANG SEHAT yaitu Bank Bukopin Syariah dan Panin Dubai Syariah, dan 1 bank masuk dalam kategori TIDAK SEHAT yaitu Bank BRI Syariah. b) Dalam pengawasan dan peningkatan kesehatan bank, OJK memiliki wewenang yaitu : 1) Likuiditas, rentabilitas, solvabilitas, kualitas aset, rasio kecukupan modal minimum, batas maksimum pemberian kredit, rasio pinjaman terhadap simpanan, dan pencadangan bank, 2) Laporan bank yang terkait dengan kesehatan dan kinerja bank, 3) Sistem informasi debitur, 4) Pengujian kredit (credit testing); dan 5) Standar akuntansi bank. c) Peran DPS dalam peningkatan kesehatan bank non financial antara lain : ex ante auditing, post ante auditing, dan penghitungan dan pembayaran zakat.

Eco-Spiritualism on Social Empowerment: Indigenous Approach toward Environment Sustainability Taufiq, Imam; Choirun Nisa, Lulu; Khoiruddin Zuhri, Mishbah; Megah Safitri, Ririh; Sessiani, Lucky Ade; Makmun, Muhammad
Journal of Sustainability Perspectives Vol 1: Special Issue 2021
Publisher : Universitas Diponegoro

The world is changing, the environmental crisis is happening, the life of any living being is on the line. Nature is facing challenges and degradations that will extended to effect on human welfare and all other life on earth. As in the 2030 Sustainable Development Goals agenda, world leaders command every organization to play a role in protecting the planet from degradation, undertake urgent actions to perform sustainable resource management. UIN Walisongo Semarang is answering the call and respond to this global issues by declaring a vision statement to be a “Green Campus”. It is not merely a statement, but a commitment to take responsibility in protecting and conserving the nature, applied in all activities under the Three Pillars of Higher Education (Education, Research, and Community Services). This paper aimed to elaborate the distinct concept and approach of community service activities implemented in UIN Walisongo Semarang. Eco-Spiritualism Social Empowerment program designed based on fundamental spiritual and religious values about how human connect with nature, and so this connection create a reciprocal-inseparable relationship. How human affects nature, and otherwise, will create a belief and values directing human’s behavior toward nature. Therefore, a spiritual approach considered to be an effective way to empower people in order to create an eco-friendly society. Eco-Spiritualism Social Empowerment program implemented in both rural and urban area, are showing great results on recycle and waste management, plastic waste utilization and creating value added products, skill development and sustainable social empowerment

Eco-Spiritualism on Social Empowerment: Indigenous Approach toward Environment Sustainability Taufiq, Imam; Choirun Nisa, Lulu; Khoiruddin Zuhri, Mishbah; Megah Safitri, Ririh; Sessiani, Lucky Ade; Makmun, Muhammad
Journal of Sustainability Perspectives Vol 1: Special Issue 2021
Publisher : Universitas Diponegoro

The world is changing, the environmental crisis is happening, the life of any living being is on the line. Nature is facing challenges and degradations that will extended to effect on human welfare and all other life on earth. As in the 2030 Sustainable Development Goals agenda, world leaders command every organization to play a role in protecting the planet from degradation, undertake urgent actions to perform sustainable resource management. UIN Walisongo Semarang is answering the call and respond to this global issues by declaring a vision statement to be a “Green Campus”. It is not merely a statement, but a commitment to take responsibility in protecting and conserving the nature, applied in all activities under the Three Pillars of Higher Education (Education, Research, and Community Services). This paper aimed to elaborate the distinct concept and approach of community service activities implemented in UIN Walisongo Semarang. Eco-Spiritualism Social Empowerment program designed based on fundamental spiritual and religious values about how human connect with nature, and so this connection create a reciprocal-inseparable relationship. How human affects nature, and otherwise, will create a belief and values directing human’s behavior toward nature. Therefore, a spiritual approach considered to be an effective way to empower people in order to create an eco-friendly society. Eco-Spiritualism Social Empowerment program implemented in both rural and urban area, are showing great results on recycle and waste management, plastic waste utilization and creating value added products, skill development and sustainable social empowerment

UNDERSTANDING PEACEBUILDING FUNDAMENTALS IN SOUTHEAST ASIA: Intersection among Religion, Education and Psychosocial Perspective Taufiq, Imam; Makmun, Muhammad; Zuhri, Mishbah Khoiruddin; Sessiani, Lucky Ade; Safitri, Ririh Megah
AL-TAHRIR Vol 22 No 2 (2022): Islamic Studies
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/altahrir.v22i2.6095

This study tries to present a study on Understanding the basics of peacebuilding in Southeast Asia by bringing together three approaches, namely religious, educational, and psychosocial approaches. The focus of this research is, first, to identify an overview of the fundamental values and basic principles of peacebuilding adopted by peacebuilding organizations in Southeast Asia. Second, to identify approaches adopted by peacebuilding organizations that reflect the intersection of religious, educational, and psychosocial perspectives to build peace in Southeast Asian societies. This study finds that first, Peace in Southeast Asia is influenced by values and basic principles of harmony and peace-building such as spirituality, local wisdom, brotherhood or togetherness, deliberation, tolerance, ikhlas (voluntary), and equality. This value is embraced by peace-building organizations in Southeast Asia on the basis that on the one hand, each religion teaches about unity, while on the other hand, the spirit of unity will also make a significant contribution in the national context.

Rancang Bangun Alat Ukur Kelajuan Dan Arah Angin Berbasis Mikrokontroler Atmega8535 Menggunakan Sistem Sensor Cahaya Pesma, Rhahmi Adni; -, Wildian; Taufiq, Imam
Jurnal Fisika Unand Vol 2 No 4: Oktober 2013
Publisher : Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jfu.2.4.%p.2013

Telah dirancang sebuah alat ukur kelajuan dan arah angin. Rangkaian elektronik alat ukur terdiri dari rangkaian catu daya, rangkaian mikrokontroler dan LCD, rangkaian schmitt trigger dan rangkaian fotodioda. Baling-baling pada alat berupa sistem tiga mangkuk. Bagian mekanik alat terbuat dari material ringan, sehingga dapat mengoptimalkan gerakan rotasi mangkuk. Mangkuk terbuat dari bahan plastik yang berdiameter 7,7 cm, sedangkan piringan sensor merupakan cakram CD yang bermassa 20,64 g. Bagian mekanik alat memiliki karakteristik 1 kali pulsa (1 kali putaran) dalam 1 detik (frekuensi = 1 Hz) mewakili kecepatan angin sebesar 0,61m/s. Standardisasi alat dilakukan dengan pengujian terhadap anemometer Lutron AM-4206, ketepatan pengujian sebesar 99,10%, sebagai pembanding, dilakukan juga pengujian antara anemometer mangkuk permanen di BMKG dengan anemometer Lutron AM-4206, ketepatan pengujian sebesar 90,47%. Penentuan arah angin menggunakan sebuah bilah yang akan berputar untuk menentukan 8 arah angin dengan resolusi sebesar 450.

Analisis Radionuklida pada Fly Ash dan Bottom Ash PLTU Teluk Sirih Menggunakan Spektrometer Gamma Putri, Rahmi Dwi; Taufiq, Imam; Nurokhim, Nurokhim
Jurnal Fisika Unand Vol 8 No 4 (2019)
Publisher : Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jfu.8.4.387-393.2019

Analisis radionuklida pada fly ash dan bottom ash dari PLTU Teluk Sirih telah dilakukan menggunakan spektrometer gamma. Penelitian ini bertujuan untuk mengetahui radionuklida yang terdapat pada fly ash dan bottom ash PLTU Teluk Sirih, kemudian membandingkan konsentrasi aktivitas radionuklida yang didapatkan dengan PP RI no.101/2014 mengenai pengelolaan limbah B3. Sampel fly ash dan bottom ash dari PLTU Teluk Sirih dipreparasi sesuai dengan prosedur standar yang ditetapkan oleh BATAN, lalu dicacah menggunakan spektrometer gamma yang dilengkapi detektor HPGe selama 17 jam. Radionuklida yang didapatkan dari hasil pencacahan adalah 210Pb, 230Th, 234Th, 226Ra, 232Th, 228 Th, 238U, 40K. Konsentrasi aktivitas radionuklida pada sampel fly ash berkisar antara 21,20Â±5,378 Bq/kg sampai dengan 320,40Â±31,279 Bq/kg, sedangkan konsentrasi aktivitas radionuklida pada sampel bottom ash berkisar antara â‰¤ 2,529 Bq/kg sampai dengan 163,728Â±15,88 Bq/kg. Berdasarkan PP RI No.101/2014 pemanfaatan fly ash dan bottom ash dari PLTU Teluk Sirih masih diperbolehkan karena konsentrasi aktivitas pada fly ash dan bottom ash PLTU Teluk Sirih berada dibawah ambang batas yaitu untuk deret uranium dan thorium adalah 1000 Bq/kg dan untuk kalium sebesar 10.000 Bq/kg.Kata kunci : aktivitas, bottom ash, fly ash, limbah B3, radionuklida, spektrometer gamma

Perbandingan JST Metode Backpropagation dan Metode Radial Basis dalam Memprediksi Curah Hujan Harian Bandara Internasional Minangkabau Fitri, Nursakinah Aulia; Taufiq, Imam
Jurnal Fisika Unand Vol 9 No 2 (2020)
Publisher : Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jfu.9.2.217-223.2020

Telah dilakukan prediksi curah hujan harian menggunakan jaringan syaraf tiruan dengan beberapa fungsi pelatihan backpropagation dan radial basis. Penelitian ini menggunakan data curah hujan harian dari Badan Meteorologi Klimatologi dan Geofisika Stamet Kelas II Bandara Internasional Minangkabau Padang Pariaman dari tahun 2008 sampai tahun 2018. Penelitian ini bertujuan untuk membandingkan kinerja prediksi curah hujan jaringan syaraf tiruan Backpropagation dan Radial Basis dan menentukan arsitektur jaringan syaraf tiruan terbaik untuk prediksi curah hujan di Bandara Internasional Minangkabau. Untuk metode backpropagation optimisasi dilakukan terhadap jumlah lapisan tersembunyi, jumlah neuron pada lapisan tersembunyi, fungsi transfer, fungsi latih dan jumlah data masukan pada data latih. Untuk metodeÂ radial basis optimisasi dilakukan pada jumlah neuron lapisan tersembunyi, jumlah data masukan pada data latih dan nilai spread. Dari penelitian ini ditemukan hasil terbaik untuk metode backpropagationadalah dengan menggunakan fungsi latih trainlm dan arsitektur (60-70-6-1) dengan tingkat ketepatan prediksi 86,4876%. Untuk metode radial basis hasil terbaiknya diperoleh nilai spread 0,01 dengan arsitektur (60-120-1) dan tingkat ketepatan prediksi 95,3107%. Dengan demikian dapat disimpulkan metode paling bagus untuk prediksi curah hujan harian pada daerah Bandara Internasional Minangkabau adalah metode radial basis.Â Research on daily rainfall predictions have made by using artificial neural networks with some backpropagation and radial basis training functions. This study used daily rainfall data from the Meteorology Climatology and Geophysics Agency in Class II of the Minangkabau International Airport Padang Pariaman from 2008 to 2018. The purposes of the study is to compare the predicted performance of rainfall in Backpropagation and Radial Neural Networks and determine which one the best artificial neural network architecture for rainfall predictions at Minangkabau International Airport is. For the backpropagation method, optimization is performed on the number of hidden layers, the number of neurons in the hidden layer, the transfer function, the training function and the amount of input data on the training data. For the radial basis optimization method is performed on the number of hidden layer neurons, the amount of input data on the training data and the spread value. From this study found the best results for the backpropagation method were obtained with trainlm and architectural training functions (60-70-6-1) with a prediction accuracy level of 86.4876%. The best results for the radial basis method by value of a spread is 0.01 with architecture (60-120-1) and a predictive accuracy rate of 95.3107%. Thus the best method for the prediction of daily rainfall in the area of the Minangkabau International Airport is the radial basis method.

Prediksi El Nino Southern Oscillation (ENSO) Menggunakan Jaringan Saraf Tiruan (JST)-Backpropagation Aprilia, Bunga; Marzuki, Marzuki; Taufiq, Imam
Jurnal Fisika Unand Vol 9 No 4 (2020)
Publisher : Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jfu.9.4.421-427.2020

Penelitian ini bertujuan untuk memprediksi nilai indeks ENSO yaituÂ Sea Surface TemperatureÂ (Nino 1.2, Nino 3, Nino 3.4 dan Nino 4),Â Southern Oscillation IndexÂ (SOI) danÂ Multivariate ENSO Index versi 2Â (MEI.v2) yang diambil dari tahun 1979-2018. Prediksi dilakukan dengan menggunakan metode JST-backpropagationÂ dengan memvariasikanÂ learning rateÂ dan momentum. Semua indeks menghasilkan nilai akurasi prediksi ENSO yang tinggi,Â namun indeks Nino 4 merupakan indeks yang memiliki akurasi tertinggi karena nilaiÂ Mean Square ErrorÂ (MSE) pelatihan dan pengujiannya yang relatif lebih kecil dibandingkan dengan indeks lainnya. Indeks Nino 4 memiliki MSE pelatihan 0,0072739 yang berhenti padaÂ epochÂ ke-69 dan MSE pengujian 0,0085917 dengan akurasi prediksi 99,9989%. Hasil ini diperoleh dari arsitektur JST-backpropagationÂ 12-10-1 dengan nilaiÂ learning rateÂ 0,10 dan momentum 0,40.Â Prediksi ENSO berdasarkan indeks Nino 4 untuk tahun 2021 menunjukkan keadaan iklim dunia dalam kondisi normal.Â This study aims to predict ENSO index using Sea Surface Temperature (Nino 1.2, Nino 3, Nino 3.4 and Nino 4 indexes), Southern Oscillation Index (SOI), and Multivariate ENSO Index version 2 (MEI.v2) during Â 1979 - 2018. The prediction was carried out using the ANN-backpropagation method by varying the learning rate and momentum. All indices produce high ENSO prediction accuracy values, but the Nino 4 index is the best one because the Mean Square Error (MSE) for training and testing steps are relatively smaller than other indexes. The Nino 4 index has a training MSE of 0.0072739 which stops at the 69th epoch and a testing MSE of 0.0085917 with a predictive accuracy of 99.9989%. These results were obtained from the back-propagation architecture ANN 12-10-1 with a learning rate of 0.10 and a momentum of 0.40. The prediction of ENSO in 2021 based on the Nino 4 index shows that the world climate condition is under normal conditions.

Analisis Perencanaan Radioterapi Pasien Kanker Nasofaring Menggunakan Teknik Intensity Modulated Radiotherapy Elvira, Rahmah; Taufiq, Imam; Adrial, Rico; Ilyas, Muhammad
Jurnal Fisika Unand Vol 10 No 3 (2021)
Publisher : Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jfu.10.3.337-343.2021

Telah dilakukan perencanaan radioterapi pada pasien kanker nasofaring (KNF) stadium III menggunakan teknik Intensity Modulated Radiotherapy (IMRT). Penelitian ini bertujuan untuk menganalisis nilai Conformity Index (CI), Homogeneity Index (HI), dan dosis radiasi Organ at Risk (OAR). Perencanaan IMRT dilakukan menggunakan Software Treatment Planning System (TPS) Eclipse pada 5 pasien laki-laki KNF yang berusia 8-65 tahun dengan dosis 2 Gy, 35 fraksi, 5 dan 7 lapangan radiasi. Penelitian ini dilakukan dengan 4 variasi perencanaan IMRT yaitu IMRT 5 lapangan manual (M5), IMRT 5 lapangan beam angle optimization (O5), IMRT 7 lapangan manual (M7), dan IMRT 7 lapangan beam angle optimization (O7). Total jumlah pasien yang memiliki nilai CI sesuai rekomendasi International Commision on Radiation Units and Measures (ICRU) Report 62 pada perencanaan M7 (4 pasien), O5 (3 pasien), O7 (2 pasien), dan M5 (1 pasien). Semua perencanaan memiliki nilai HI yang sesuai dengan rekomendasi ICRU Report 83. Nilai dosis OAR yang tidak sesuai dengan rekomendasi Radiation Therapy Oncology Group (RTOG) 0615 didapatkan hanya pada perencanaan M5 untuk 2 pasien. Perencanaan M7 (p-value<0,05) direkomendasikan sebagai perencanaan utama KNF stadium III karena memiliki rata-rata nilai CI (0.9573Â±0,01) dan HI (0,0651Â±0,01) yang lebih tinggi dari perencanaan lain.

Pengembangan LKPD Canva Berbasis Etnomatematika Getuk untuk Meningkatkan Pemahaman Penjumlahan Pecahan Siswa Sekolah Dasar Taufiq, Imam; Ahmad, Syafri; Salmaini, Salmaini
ANWARUL Vol 5 No 6 (2025): DESEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/anwarul.v5i6.8201

Although ethnomathematics has been widely examined in previous research, studies that specifically integrate the traditional food getuk as a concrete medium in the development of Canva-based student worksheets (LKPD) for teaching fraction addition remain very limited. This study aims to develop and evaluate the effectiveness of Canva-based LKPD incorporating ethnomathematical representations of getuk in improving students’ ability to solve word problems involving fraction addition. A quantitative approach was employed using a 4-D Research and Development (R&D) design, involving 25 fifth-grade students selected through purposive sampling. Data were collected through classroom observations, expert validation, and formative tests, and were analyzed using the Wilcoxon Signed Rank Test and descriptive statistics. The results indicate that the developed LKPD falls into the “highly valid” category in terms of language, content, and visual design, and is effective in improving student learning outcomes, as evidenced by a Z value of –4.548 with p < 0.001. These findings reinforce constructivist and ethnomathematical theory by demonstrating that concrete experiences grounded in local cultural practices can facilitate deeper understanding of fraction concepts. The study concludes by underscoring the importance of integrating local cultural media into the development of contextual teaching materials, recommending the use of getuk as a concrete medium in fraction instruction, and opening avenues for further research employing stronger experimental designs and larger sample sizes.

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