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The Financial Technology Investment: A Comparative Analysis of Profitability and Performance in Indonesian State-Owned and Sharia Banks Widiasmara, Anny; Retnowati, Wulan; Alvarez, Joel I.; De Guzman, Eduardo K.
AKRUAL: JURNAL AKUNTANSI Vol 16 No 1 (2024): AKRUAL: Jurnal Akuntansi
Publisher : Accounting Study Programme Faculty of Economics and Business Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jaj.v16n1.p15-24

Abstract

In the digital age, the lack of understanding regarding strategic investments in financial technology within the banking sector emerges as an expensive predicament. This presents a global debate over cost-effectiveness, competitive pressures, intricate bank operations, workforce management, and employee adaptability. This study strives to provide empirical evidence of differences in Return on Asset (ROA), Return on Equity (ROE), Operational Expense to Operational Revenue (BOPO), Net Interest Margin (NIM), Operational Expense Ratio (OPER), and Revenue per Employee (RPE) before and after investing in financial technology within Indonesian Sharia and State-Owned Banks. The results of this research show that for the most part there is no significant difference in the profitability ratios of ROA, ROE, NIM and BOPO, OPER, RPE in Islamic banks but there is a tendency for performance to increase for ROA, ROE, NIM and BOPO, OPER, RPE after collaborating with start -up fintech. In contrast, State-Owned Banks exhibit differences in ROA and BOPO variables before and after such collaborations. The performance metrics of ROA, ROE, and NIM in State-Owned Banks have deteriorated post-collaboration with fintech entities. This calls for caution from the banking sector as it could incur financial losses, negatively impacting operations and overall performance
Analogical Reasoning of Sensing and Intuition Personality Student in Solving Proportion Problem: Two-Variable into Three-Variable Direct Proportion Word Problem Suwarno, Suwarno; Silvatama, M. Aditiya; Alvarez, Joel I.; Murtafiah, Wasilatul
Kreano, Jurnal Matematika Kreatif-Inovatif Vol. 15 No. 2 (2024): Kreano, Jurnal Matematika Kreatif-Inovatif
Publisher : UNNES JOURNAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/tey38g29

Abstract

Students' analogical reasoning based on sensing and intuition is a topic that has yet to be studied. Specifically, there is a need to explore how these two personalities types process information and apply analogical reasoning to solve proportional problems. The research aims to describe the reasoning process based on students' personalities, especially as a first step in implementing more effective and tailored teaching. The type of research used is descriptive qualitative. The research involved four students, two with sensing personalities and two with intuition personalities, who were selected from a group of 32 seventh grade (A) students at SMP Negeri 3 Ambulu, Jember, Indonesia. Selecting four students allows the researcher to explore how students with sensing and intuition personalities use analogical reasoning. The selected subjects embody both personality types, guaranteeing the consistency and generalizability of the obtained data in a wider context. The triangulation used is a triangulation technique that compares the results of completing analogical reasoning tests and interviews. The results of this study show that students with sensing and intuition personalities show differences in analogical reasoning on proportion material. Sensing students carry out two stages of analogical reasoning, namely encoding and inferring; they identify all the information in the source and target problems, solve the source problem, and recognize material similarities and the context of snack production. However, they needed help at the mapping and applying stages; focusing on concrete details prevented them from seeing abstract relationships, and thus, they failed to use the concept of solving the source problem to the target problem. Meanwhile, intuition students carry out the four stages of analogical reasoning: encoding, inferring, mapping, and applying. They successfully identified information, concluded the source problem, a problem involving two elements, identified the relationship with the target problem, connected the solution steps from the source problem to the target problem, and applied the proportion concept to a more complex target problem. This research shows that students' analogical reasoning in proportion materials varies depending on their personality type. Therefore, we can potentially use the results of this research as a reference to implement differentiated learning. Penalaran analogi siswa berdasarkan kepribadian sensing dan intuition merupakan topik yang belum banyak dikaji secara mendalam. Terutama, bagaimana kedua tipe kepribadian ini memproses informasi dan menerapkan penalaran analogi dalam menyelesaikan masalah perbandingan masih menjadi hal yang kurang dieksplorasi. Penelitian bertujuan untuk mendeskripsikan proses penalaran berdasarkan kepribadian siswa khususnya pada sebagai langkah awal dalam melaksanakan pengajaran yang lebih efektif dan disesuaikan. Jenis penelitian yang digunakan adalah deskriptif kualitatif. Banyak subjek dalam penelitian ini adalah 4 siswa   dengan rincian 2 siswa kepribadian sensing dan 2 siswa kepribadian intuition yang dipilih dari 32 siswa kelas VIIA SMP Negeri 3 Ambulu. Jember, Indonesia. Memilih empat siswa memungkinkan peneliti untuk mengeksplorasi secara mendalam bagaimana siswa dengan kepribadian sensing dan intuition menggunakan penalaran analogi. Subjek yang dipilih mewakili kedua tipe kepribadian, sehingga data yang diperoleh konsisten dan dapat digeneralisasi dalam konteks yang lebih luas. Triangulasi yang digunakan adalah triangulasi teknik yang membandingkan hasil penyelesaian tes penalaran analogi dan wawancara. Hasil penelitian ini menunjukkan bahawa siswa dengan kepribadian sensing dan intuition menunjukkan perbedaan dalam penalaran analogi pada materi perbandingan. Siswa sensing melakukan dua tahap penalaran analogi yaitu encoding dan inferring, mereka mengidentifikasi semua informasi dalam masalah sumber dan target serta menyelesaikan masalah sumber dan mengenali persamaan materi serta konteks produksi snack. Namun, mereka kesulitan pada tahap mapping dan applying, fokus pada detail konkret membuat mereka tidak melihat hubungan abstrak sehingga gagal menerapkan konsep penyelesaian masalah sumber ke masalah target. Sementara, siswa intuition melakukan keempat tahapan penalaran analogi: encoding, inferring, mapping, dan applying. Mereka berhasil mengidentifikasi informasi, menyimpulkan masalah sumber yang merupakan masalah perbandingan dua unsur dan mengidentifikasi keterkaitan dengan masalah target, menghubungkan langkah-langkah penyelesaian dari masalah sumber ke target, dan menerapkan konsep perbandingan ke masalah target yang lebih kompleks. Secara keseluruhan, penelitian ini menunjukkan bahwa penalaran analogi siswa dalam materi perbandingan bervariasi tergantung pada tipe kepribadian mereka. Oleh karena itu, hasil penelitian ini berpotensi untuk digunakan sebagai referensi dalam menerapkan pembelajaran berdiferensiasi yang mengakomodasi kebeeragaman tipe kepribadian.
EVALUATING THE IMPACT OF AI–POWERED TUTORS MATHGPT AND FLEXI 2.0 IN ENHANCING CALCULUS LEARNING Alvarez, Joel I.
Jurnal Ilmiah Ilmu Terapan Universitas Jambi Vol. 8 No. 2 (2024): Volume 8, Nomor 2, December 2024
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jiituj.v8i2.34809

Abstract

This study evaluates the effectiveness of AI-driven technologies, Flexi 2.0 and MathGPT, in enhancing personalized learning and advanced cognitive abilities among pre-service mathematics educators participating in Calculus I. Participants were allocated to a control group receiving conventional training and an experimental group utilizing AI technology, applying a quantitative experimental design. Data were gathered utilizing validated evaluations, surveys, and interviews. The results indicated that students employing AI tutors showed significant improvements in problem-solving and personalized learning compared to the control group. Concerns arose regarding potential over-reliance on AI, underscoring the need for rigorous criteria to guarantee that students engage actively in learning rather than passively receiving AI-generated responses. The findings suggest that educators should create activities requiring students to critically evaluate AI-generated responses to promote independent thinking. The findings highlight the potential of AI in mathematics education while stressing the importance of ethical considerations and teacher oversight. It requires both students and staff training to adapt to improvements in AI inside education. The study reveals that while AI can improve learning outcomes, careful implementation is essential for its effective and responsible use in educational settings.
Students' Metacognition in Solving HOTS Questions in the Context of the Flag Ceremony Yard Based on Initial Mathematical Abilities Murtafiah, Wasilatul; Yunitasari, Anisa; Gembong, Sardulo; Alvarez, Joel I.; Yahya, Faridah Hanim
PYTHAGORAS Jurnal Matematika dan Pendidikan Matematika Vol. 19 No. 2: December 2024
Publisher : Department of Mathematics Education, Faculty of Mathematics and Natural Sciences, UNY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/pythagoras.v19i2.76120

Abstract

This study aims to determine the ability of metacognition in solving HOTS problems in the context of problem related to activities in the context of the flag ceremony yard in solving problems based on initial mathematics ability. This research approach was descriptive qualitative involving 3 students as research subjects who were selected based on high, medium, and low initial mathematics abilities. The data were validated by using method triangulation techniques, namely tests and interviews. The results showed that students with high initial mathematics ability showed good metacognition skills in solving HOTS problems in planning, monitoring, and evaluating activities. However, they still need to improve their ability to evaluate the repair strategy if there is an error. Students with medium initial mathematical ability showed good metacognition skills in several aspects but needed to improve some aspects. Students with moderate mathematics ability have a good basic understanding of metacognition in planning activities. However, they need to improve their metacognition skills in monitoring and evaluating when solving HOTS problems. Meanwhile, students with low initial mathematical ability show limitations in utilizing metacognition skills in planning, monitoring, and evaluating activities, as a result, students experience difficulties in solving problems. So, teachers need to design teaching materials that can improve students' mathematical abilities and metacognition.