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Implementasi Strategi Penanganan Pembiayaan Bermasalah di Bank Panin Dubai Syariah Surabaya Sofyanto, Dita Putri; Fayakun, Aldo Deva; Ilham, Muhamad Arifin; Pratikto, Muhammad Iqbal Surya
JIOSE: Journal of Indonesian Sharia Economics Vol 3 No 2 (2024): September 2024
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v3i2.1192

Abstract

This study examines how the strategy for handling non-performing financing at Bank Panin Dubai Syariah KCU Surabaya. The analysis method used is qualitative descriptive using a case study approach. Data collection techniques include observation and interviews. The results of the study show that in handling problematic financing, there are two divisions involved in rescue and settlement efforts for customers who experience payment problems. The Business Division (front end) is responsible for rescuing customers who are experiencing payment problems with a delay of less than 90 days by offering strategies such as installment repayment, rescheduling, reconditioning, and restructuring. Meanwhile, if the customer is late in paying more than 90 days from the due date, the handling of the customer will be taken over by the Special Asset Management Division (back end) by taking actions such as total repayment, voluntary surrender, and auction.
Analisis Penerapan Capital Asset Pricing Model dalam Pengambilan Keputusan Investasi Saham di Jakarta Islamic Index 70 Ilham, Muhamad Arifin; Kalimah, Siti
JIOSE: Journal of Indonesian Sharia Economics Vol 4 No 1 (2025): Maret 2025
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v4i1.1397

Abstract

This study aims to analyze stock investment decision-making using the Capital Asset Pricing Model (CAPM) method. The research population includes all companies listed in the Jakarta Islamic Index 70 (JII70). The sampling technique used is purposive sampling. The results of the study show that there are 24 stocks included in the efficient stock group, namely ADRO, AKRA, ANTM, BMTR, BRIS, BTPS, CTRA, ERAA, EXCL, INCO, ISAT, ITMG, KLBF, LPPF, MAPI, MIKA, MNCN, PTPP, PWON, SIDO, SMRA, TLKM, TPIA, and UNTR. The recommended investment decision for investors is to buy stocks that are classified as efficient. On the other hand, there are 11 stocks that are included in the group of inefficient stocks, namely ACES, CPIN, ICBP, INDF, INTP, JPFA, MYOR, PTBA, SCMA, SMGR, and UNVR. For these inefficient stocks, the recommended investment decision is to sell the stocks to avoid potential depreciation.
Rancang Bangun Alat Monitoring Volume dan Kontrol Tetesan Infus Berbasis Internet Of Things (IoT) Ilham, Muhamad Arifin; Harsoyo, Imam Tri; Olla, Patrisius Kusi; Maulana, Ilham
Justek : Jurnal Sains dan Teknologi Vol 8, No 2 (2025): Juni
Publisher : Unversitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/justek.v8i2.30230

Abstract

Abstract:  The administration of IV fluids is one of the common medical procedures carried out in hospitals. However, manual monitoring of infusion volume and droplets can be less efficient and potentially lead to errors. Therefore, this study aims to design and build an IoT-based infusion drip volume monitoring and control tool. It uses a loadcell sensor to accurately measure the volume of the infusion fluid, the HX711 as a signal amplifier from the loadcell sensor, and an optocoupler sensor to calculate the number of infusion droplets. Data from these sensors is then sent to the IoT platform to be monitored in real-time via mobile devices or computers. The test results show that the device is capable of monitoring the volume and drippings of the infusion with high accuracy and provides notifications in the event of critical conditions, such as low volume of infusion fluid or abnormal infusion droplets. Thus, this tool is expected to increase efficiency and safety in the administration of IV fluids in hospitals.Abstrak: Pemberian cairan infus merupakan salah satu tindakan medis yang umum dilakukan di rumah sakit. Namun, pemantauan volume dan tetesan infus secara manual dapat menjadi kurang efisien dan berpotensi menimbulkan kesalahan. Oleh karena itu, penelitian ini bertujuan untuk merancang dan membangun alat monitoring volume dan kontrol tetesan infus berbasis IoT. Alat ini menggunakan sensor loadcell untuk mengukur volume cairan infus secara akurat, HX711 sebagai penguat sinyal dari sensor loadcell, dan sensor optocoupler untuk menghitung jumlah tetesan infus. Data dari sensor-sensor tersebut kemudian dikirimkan ke platform IoT untuk dipantau secara real-time melalui perangkat seluler atau komputer. Hasil pengujian menunjukkan bahwa alat ini mampu memonitor volume dan tetesan infus dengan akurasi yang tinggi dan memberikan notifikasi jika terjadi kondisi kritis, seperti volume cairan infus yang hampir habis atau tetesan infus yang tidak normal. Dengan demikian, alat ini diharapkan dapat meningkatkan efisiensi dan keamanan dalam pemberian cairan infus di rumah sakit.