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All Journal al-Afkar, Journal For Islamic Studies Innovative: Journal Of Social Science Research
Rita Nurjanah
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Humanities Computer Science & IT Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analisis Komparatif Standar Rasio Keuangan Tingkat Kesehatan Bank Terhadap Pembiayaan Produktif dan Pembiayaan Konsumtif Rita Nurjanah; Asep Nursiwan; Nurfaedah Nurfaedah
Innovative: Journal Of Social Science Research Vol. 3 No. 2 (2023): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v3i2.1254

Abstract

Penelitian ini bertujuan untuk menganalisis perbandingan tingkat keuntungan pembiayaan produktif dan pembiayaan konsumtif dengan menggunakan analisis rasio Return on Assets (ROA), Return on Equity (ROE) dan matematika perbandingan di KBMT Amanah Syar’iyyah. Penelitian ini bersifat deskriptif dengan pendekatan kualitatif. Obyek dalam penelitian ini adalah laporan keuangan KBMT Amanah Syar’iyyah. Data yang diperoleh melalui dokumentasi laporan keuangan dan wawancara langsung dengan bendahara KBMT. Metode pengolahan data yang digunakan adalah metode analisis komparatif tingkat Profitabilitas ROA dan ROE (Return onAasset dan Return on Equity) pembiayaan produktif dan konsumtif dengan menggunakan rumus matematika perbandingan. Dari hasil analisa perbandingan modal dan keuntungan antara pembiayaan produktif dengan pembiayaan konsumtif dapat disimpulkan bahwa pembiayaan produktif lebih menguntungkan bila dibandingkan dengan pembiayaan konsumtif. Meskipun keuntungan yang dihasilkan dari pembiayaan konsumtif lebih besar, tapi modal yang dikeluarkan terhadap pembiayaan konsumtif 4 kali lebih besar bila dibandingkan dengan pembiayaan produktif. Kata Kunci: KBMT, ROA, ROE, pembiayaan.
Financing Education in the Development of the Islamic Education System Rita Nurjanah; Hasan Basri; Nurhayati, Nurhayati; Siti Romlah
al-Afkar, Journal For Islamic Studies Vol. 8 No. 4 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i4.1742

Abstract

This research aims to identify a legal basis, sources, components and challenges in the management of Islamic education financing, and offer solutions to these problems. The method used is a qualitative approach to analyze related issues and produce strategic recommendations to improve the effectiveness of Islamic values-based education programs. The results show that the legal basis of Islamic education financing is based on the National Education System Law No 20 of 2003 and Minister of National Education Regulation No 69 of 2009. The financing components include investment, operational and personal costs. Challenges in management include limited funding sources, high education costs, and lack of transparency and accountability. To overcome these issues, the researchers recommend diversifying sources of financing, improving accountability and developing a financing plan. The findings are expected to make a significant contribution to Islamic education policy in Indonesia and serve as a reference for educational institutions in designing more effective financing strategies.
Al-Qur'an Verses Concerning Educational Materials in the Interpretation of Wahbah al-Zuhaily in the Tafsir Al-Munir Rita Nurjanah; Hafid; Cecep Anwar; Ahmad Sahira Zandi
al-Afkar, Journal For Islamic Studies Vol. 9 No. 1 (2026)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v9i1.1990

Abstract

Thematic interpretation plays a crucial role in shaping an education system that focuses not only on academic aspects but also on students' character and morals. This method allows for in-depth analysis of educational themes in the Quran, ensuring its teachings are relevant to modern conditions. Thus, thematic interpretation can serve as the basis for developing a comprehensive Islamic education curriculum, integrating Islamic values ​​into every aspect of learning. Islamic religious education teaching materials must align with the national curriculum established by the Ministry of Education and Culture, designed to provide a balanced religious education encompassing spiritual, moral, and intellectual aspects.Teaching must integrate Islamic values, including faith (aqidah), morals, and sharia (Islamic law), so that students can apply these values ​​in their daily lives. It is crucial to use credible and relevant sources in developing teaching materials, including classical texts, Quranic interpretations, hadith, and contemporary literature. Teaching materials must also be adapted to the local context and students' needs to ensure they are relevant to the challenges they face. The selection of teaching materials must be based on the desired competency standards, encompassing students' knowledge, skills, and attitudes. The learning process should involve ongoing evaluation to gauge students' understanding of the material. In the digital age, the use of technology such as educational apps and e-learning platforms can enhance the effectiveness of Islamic religious learning by providing interactive features that facilitate independent learning. With this approach, it is hoped that students will not only understand theory but also internalize values ​​in their daily lives, making education a tool for transforming students into ideal human beings.
Co-Authors Ahmad Sahira Zandi Asep Nursiwan Cecep Anwar Hafid Hasan Basri Nurfaedah Nurfaedah Nurhayati Nurhayati Siti Romlah