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All Journal JURNAL EDUKASI NONFORMAL ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Putri Nabila Lubis
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Religion Education Social Sciences

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Pengaruh Interaksi Guru dan Murid terhadap Hasil Belajar Murid dalam Pembelajaran Matematik di MAN 1 Medan Sulthon Zulkarnain Siregar; Putri Nabila Lubis; Lutfia Humayra
JURNAL EDUKASI NONFORMAL Vol 3 No 2 (2022): Jurnal Edukasi Nonformal
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

Education is a learning activity carried out by a student with the aim that the nation's children become intelligent and also develop into complete human beings. So there are many things that become the determining factor in the success of an education, one of which is the teacher-student interaction. The teacher as a teacher is a determining basis in the formation of students to achieve the goals of education itself. Therefore the interaction that is given to students greatly influences the process of the education process. It is clear that the interaction between the teacher (teacher) and those who respond (students) is a determining factor in the success of learning. Which means that the interaction relationship will form an atmosphere or classroom climate that will support the success of learning. The atmosphere is in the form of a positive and negative atmosphere, if a positive atmosphere is created then learning will be comfortable for students. A negative atmosphere is an unfavorable atmosphere that exists during the teacher-student interaction process which will cause discomfort felt by students because the teacher only focuses on providing material and ignores student motivation and also pays attention to students which causes reduced student interest in the learning process. It is because of the problems mentioned above that we take the title of our research, so that we know how big the influence of this interaction is in determining student mathematics learning outcomes.
Analisis Pengaruh Financial Technology (Fintech) terhadap Akuntabilitas Layanan Perbankan Syariah (Studi Kasus Nasabah Bank Syariah Indonesia Cabang Bukittinggi) Putri Nabila Lubis; Muhammad Rais
ARZUSIN Vol 6 No 6 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i6.12049

Abstract

Financial technology (fintech) has become an important component in the development of Islamic banking services, particularly in enhancing the convenience, speed, and accessibility of digital services. However, empirical studies on the effect of fintech on the accountability of Islamic banking services at the branch level, particularly based on the perceptions of customers of Bank Syariah Indonesia (BSI) Bukittinggi Branch, remain limited. This study aimed to analyze the effect of fintech on the accountability of Islamic banking services among customers of the BSI Bukittinggi Branch. The study employed a quantitative approach using field research and a survey design. The respondents comprised 101 BSI customers who used its digital services and were selected through purposive sampling. Data were collected using a questionnaire and subsequently analyzed through validity, reliability, and normality tests and simple linear regression with the assistance of SPSS. The results showed that fintech had a positive and significant effect on the accountability of Islamic banking services, as indicated by the regression equation Y = 3.419 + 0.772X + ε and a value of p < .001. The adjusted R² value of .489 indicated that fintech explained 48.9% of the variation in service accountability, while the remaining 51.1% was associated with other factors outside the research model. These findings provide empirical evidence that fintech optimization plays an important role in enhancing the transparency, accountability, and governance quality of Islamic banking services. The practical implications of this study emphasize the need for BSI to improve the quality of its digital services, maintain system stability, and strengthen its mechanisms for handling customer complaints to support sustainable service accountability.
Co-Authors Lutfia Humayra Muhammad Rais Sulthon Zulkarnain Siregar