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Comparative Analysis of Islamic Commercial Banks and Sharia Business Units in Indonesia Cedrich Zakhariah; Hesniati Hesniati
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4847

Abstract

This study focuses on explaining the comparison between Islamic Commercial Banks and Islamic Business Units in Indonesia through financial risk which includes liquidity risk consisting of Liquid Assets to Total Assets, Financing to Deposits, and Cash to Deposits ratios. Then through credit risk which is represented by the ratio of Non-Performing Financing and operational risk which is represented by the ratio of Cash to Income. In addition, the size of the banking company is used as a control variable in this study. This study uses all Islamic banking operating in Indonesia from 2016 to 2020 with the purposive sampling method in obtaining the sample. As a result, the sample in this study consists of 14 Islamic Commercial Banks and 20 Sharia Business Units. The results are shown in testing this research data state that there are significant differences between Islamic Commercial Banks and Islamic Business Units in Indonesia from 2016 to 2020 when viewed from the ratio of Liquid Assets to Total Assets and Cost to Income. However, in the ratio of Financing to Deposit, Cash to Deposit, and Non-Performing Financing, it is shown that there is no significant difference between the Islamic Commercial Banks and the Sharia Business Units.
Preparation Of Digital Learning Modules For Economics Lessons At Smas Ananda Batam Cedrich Zakhariah; Hesniati Hesniati
ConCEPt - Conference on Community Engagement Project Vol 3 No 1 (2023): Conference on Community Engagement Project
Publisher : Universitas Internasional Batam

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

Abstract

One of the senior high schools in Batam City named SMAS Ananda Batam has a problem in one of the steps of implementing the learning system. The problem lies in the use of student learning modules that are still analog or physical in nature such as textbooks, while technological developments are increasingly rapidly towards digital learning in this field of education. Therefore, the purpose of implementing this activity is to compile digital student learning modules in economics subjects so that they can help improve the quality of learning between students and teachers at SMAS Ananda Batam. The method of implementing this activity is observation and interviews in collecting data. The result of this activity is a digital learning module for economics students consisting of 2 e-modules on microeconomics for grade ten and 5 e-modules on macroeconomics for grade eleven. In addition, there are also recommendations or suggestions for this activity in the future, namely developing digital learning modules for economics lessons outside of microeconomics and macroeconomics, as well as other subjects as a whole so that Ananda Batam SMAS school can complement all of its student learning materials digitally in the future.