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All Journal Jurnal Tabarru': Islamic Banking and Finance Jurnal Armada Pendidikan
Misdawita
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Economics, Econometrics & Finance Education

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ANALISIS PERBANDINGAN NON PERFORMING FINANCE (NPF) PADA BANK SYARIAH INDONESIA (BSI) SEBELUM DAN SESUDAH KEBIJAKAN MERGER Perdana, Yuditya Wahyu; Rosyetti; Misdawita
Jurnal Tabarru': Islamic Banking and Finance Vol. 6 No. 2 (2023): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2023.vol6(2).14057

Abstract

Penelitian ini bertujuan untuk mengetahui perbedaan antara Non-Peforming Finance (NPF) di Bank Syariah Indonesia (BSI) pada saat sebelum dan sesudah diterapkannya kebijakan merger. Data yang digunakan dalam penelitian ini adalah data sekunder yang didapat dari laporan keuangan yang dipublikasikan secara umum pada situs resmi Bank Syariah Indonesia (BSI) pada periode 2019-2022. Teknik analisis data yang digunakan adalah statistik nonparametrik dengan menggunakan uji Wilcoxon dalam penarikan kesimpulan. Berdasarkan uji Wilcoxon didapatkan nilai signifikan < 0,05 yaitu sebesar 0,000 untuk NPF. Sehingga dapat disimpulkan bahwa terdapat perbedaan antara NPF pada BSI sebelum dan sesudah kebijakan merger.
Filosofi Circular Economy Sebagai Refleksi Etis Antara Pertumbuhan Ekonomi dan Kebijaksanaan Ekologis Misdawita; Hasnah Faizah
JURNAL ARMADA PENDIDIKAN Vol 3 No 4 (2025): JURNAL ARMADA PENDIDIKAN
Publisher : Kilau Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60041/jap.v3i4.272

Abstract

The circular economy has emerged as an alternative solution to the linear economic model that focuses on unsustainable resource consumption and waste generation. In the global context facing an environmental crisis, this concept offers a more sustainable approach by prioritizing efficient resource use, material recovery, and waste reduction. This article examines the philosophy of the circular economy as an ethical reflection that balances economic growth with ecological wisdom. Through an in-depth literature review, the article highlights the evolution of the circular economy concept, the challenges of its implementation, and the social and ethical dimensions that must be considered to achieve the goals of the circular economy in a just and inclusive manner. The philosophy behind the circular economy invites us to reflect on the linear economic growth paradigm that has dominated the global production and consumption system, which in reality often contributes to severe environmental degradation. This research reveals that while the circular economy offers great potential for achieving efficiency and sustainability, its implementation requires serious attention to aspects of ethics, social justice, and intergenerational responsibility. In this context, this article aims to delve deeper into how circular economy principles can be integrated with ecological policies that respect planetary limitations and human well-being, and to provide guidance for the development of more sustainable and equitable policies in the future.
Co-Authors Hasnah Faizah AR Perdana, Yuditya Wahyu Rosyetti