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PENERAPAN KURIKULUM BERBASIS CINTA DALAM PEMBELAJARAN AKIDAH AKHLAK DI MI TARBIYATUL AULAD Oktaviana Indriastuti; Muhammad Zacky Ramadhani; Syahidah Asma Amanina; Badrus Zaman
Jurnal Intelek Insan Cendikia Vol. 2 No. 12 (2025): Desember 2025
Publisher : PT. Intelek Cendikiawan Nusantara

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

Abstract

Pendidikan Islam kontemporer menghadapi tantangan dalam membentuk karakter siswa yang tidak hanya memahami nilai-nilai keagamaan secara kognitif, tetapi juga menginternalisasikannya dalam kehidupan sehari-hari. Penelitian ini bertujuan mengkaji implementasi Kurikulum Berbasis Cinta (KBC) dalam pembelajaran Akidah Akhlak di MI Tarbiyatul Aulad serta dampaknya terhadap pemahaman akidah, pengamalan akhlak, dan motivasi belajar siswa. Penelitian kualitatif ini dilakukan selama dua minggu melalui observasi partisipasi, wawancara semi-terstruktur dengan kepala sekolah, wakil kepala bidang kurikulum, dan guru kelas 1-4, serta dokumentasi. Hasil penelitian menunjukkan bahwa implementasi KBC dimulai dari perencanaan pembelajaran yang mengintegrasikan nilai cinta dalam silabus dan RPP, dilanjutkan dengan strategi pembelajaran yang berpusat pada siswa melalui metode storytelling, problem-based learning, cooperative learning, dan penggunaan media visual "Empat Kata Ajaib". Evaluasi dilakukan secara holistik melalui observasi, penilaian diri, penilaian antarteman, dan jurnal refleksi. Dampak signifikan terlihat pada peningkatan pemahaman akidah yang menyentuh dimensi afektif, perubahan perilaku akhlak terpuji seperti empati dan toleransi, serta meningkatnya antusiasme belajar siswa. Inovasi pembiasaan melalui apel pagi dan media visual terbukti efektif membentuk karakter berbasis cinta kasih.
Pengaruh Tingkat Kesehatan Bank dengan Metode RGEC terhadap Profitabilitas pada Bank Umum Konvensional yang Terdaftar di Bursa Efek Indonesia (BEI) Periode 2022-2025 Lisa Sari; Puji Astuti; Badrus Zaman
Moneter : Jurnal Ekonomi dan Keuangan Vol. 4 No. 3 (2026): Juli : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v4i3.2417

Abstract

This study aims to analyze the effect of bank soundness using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital) on profitability in Conventional Commercial Banks listed on the Indonesia Stock Exchange (IDX) during 2022–2025. Risk Profile is proxied by Non-Performing Loan (NPL), Good Corporate Governance (GCG) is measured using composite self-assessment scores, Earnings is proxied by Net Interest Margin (NIM), Capital is proxied by Capital Adequacy Ratio (CAR), and profitability is proxied by Return on Assets (ROA). This research applies a quantitative causal approach using secondary data from annual financial reports. The sample consists of 18 banks selected through purposive sampling, resulting in 72 observations. Data were analyzed using multiple linear regression with IBM SPSS version 25. The results indicate that NPL and GCG have a significant negative effect on ROA, while NIM has a significant positive effect on ROA. CAR does not have a significant effect on ROA. Simultaneously, all independent variables significantly influence ROA. These findings suggest that bank soundness measured by RGEC plays an important role in determining profitability. Therefore, banks should maintain credit risk quality, strengthen corporate governance, and optimize interest income to support sustainable performance and long-term financial stability. This study also provides practical implications for regulators and investors in assessing bank performance and risk management effectiveness, while encouraging consistent policy implementation and improved financial resilience within the banking sector in Indonesia to ensure sustainable economic growth and stability in the future periods ahead overall and across different market conditions consistently.
Pengaruh Permodalan, Risiko Kredit, dan Efisiensi Operasional terhadap Kinerja Keuangan Bank Umum Konvensional yang Terdaftar di BEI Periode 2023-2025 Risalatun Nisa’ Febryanti; Puji Astuti; Badrus Zaman
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 4 No. 4 (2026): Juli: MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v4i4.2428

Abstract

This study is motivated by the importance of financial performance in maintaining stability, sustainability, and public trust in the banking industry. Financial performance is influenced by several factors, including capital adequacy, credit risk, and operational efficiency. However, previous studies regarding the effect of Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), and Operating Expenses to Operating Income (BOPO) on Return on Assets (ROA) have produced inconsistent findings. Therefore, this study aims to analyze the effect of CAR, NPL, and BOPO on ROA in Conventional Commercial Banks listed on the Indonesia Stock Exchange during the 2023–2025 period, both partially and simultaneously. This research uses a quantitative approach with a causal design. Secondary data were obtained from annual financial reports, with samples selected through purposive sampling, resulting in 26 banks and 78 observations. Data were analyzed using multiple linear regression. The findings show that CAR and NPL partially have no significant effect on ROA, while BOPO has a negative and significant effect. Simultaneously, CAR, NPL, and BOPO significantly affect ROA, with an Adjusted R² value of 0.820.
Pengaruh Loan to Deposit Ratio, Non Performing Loan, dan Net Interest Margin terhadap Return on Assets PT Bank Pembangunan Daerah di Indonesia Tahun 2024 Arum Sekarwati; Puji Astuti; Badrus Zaman
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 4 No. 3 (2026): Juli: Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v4i3.3143

Abstract

This study examines the decline in profitability of Regional Development Banks (RDBs) in Indonesia during 2024, as reflected by the decrease in Return on Assets (ROA). Based on Indonesian Banking Statistics, ROA declined compared to 2023 and showed a quarterly decrease from the first to the second quarter before remaining relatively stable through the fourth quarter despite increased profits. This study aims to analyze the effects of the Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL), and Net Interest Margin (NIM) on ROA. A quantitative approach with a causal associative method was employed using secondary data from the quarterly financial statements of 27 RDBs selected through purposive sampling. Data were analyzed using multiple linear regression with SPSS version 25. The results indicate that LDR has no significant effect on ROA, while NPL has a significant negative effect and NIM has a significant positive effect on ROA. Simultaneously, LDR, NPL, and NIM significantly influence ROA, with NIM identified as the most dominant determinant of profitability. The findings provide practical implications for RDB management to improve profitability by maintaining credit quality and optimizing productive asset management.
TEORI BELAJAR & PEMBELAJARAN AL-QUR’AN HADIS DI TINGKAT MADRASAH IBTIDAIYAH (MI) DAN MADRASAH TSANAWIYAH (MTS) Zuairiyah Zuairiyah; Ari Sabila Najwa; Badrus Zaman
Tasyri’: Jurnal Tarbiyah – Syari’ah Islamiyah Vol 32 No 02 (2025): Oktober 2025
Publisher : LPPM STAI Ihyaul Ulum Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70281/zt1b4s54

Abstract

This study aims to analyze learning theories relevant to Qur’an and Hadith teaching in Madrasah Ibtidaiyah (MI) and Madrasah Tsanawiyah (MTs). The method used is library research with a descriptive-analytical literature review approach. Data were collected from Google Scholar, Semantic Scholar, and national journals indexed in Sinta and Garuda. Thematic analysis was employed through coding, categorization, and synthesis. The findings indicate that behaviorist theory supports memorization practice, cognitive theory aids text comprehension, constructivist theory fosters active student engagement, and humanistic theory emphasizes character formation. The integration of these theories enhances Qur’an and Hadith learning, making it not only memorization-oriented but also focused on understanding and applying Islamic values.