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Peranan CAR Sebagai Mediasi Atas Pengaruh NPL Dan LDR Terhadap Profitabilitas Pada Bank Umum Konvensional Yang Terdaftar Pada Bursa Efek Indonesia Muqarromah, Itsanayatil; Nasharuddin, Nasharuddin; Hermawati, Adya
Widyagama National Conference on Economics and Business (WNCEB) Vol. 3 No. 1: WNCEB 2022
Publisher : Universitas Widyagama Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/wnceb.v3i1.4290

Abstract

AbstrakPenelitian ini memiliki tujuan mengetahui rasio kecukupan modal atau dengan kata lain disebut Capital Adequacy Ratio (CAR). Dalam hal ini peran CAR untuk memediasi antara Non Performing Loan (NPL) dan Loan Deposit Ratio (LDR) kepada Profitabilitas (ROA) pada perbankan yang telah tercantum di Bursa Efek Indonesia dengan catatan bank tersebut sudah konvensional. Hal ini telah diterapkan dari periode tahun 2015 s/d 2018. Peneliti menggunakan penelitian kuantitatif dengan mengusung metode purposive selaku mediasi yang digunakan peneliti untuk mengambil sample. Dari sampling yang telah peneliti tetapkan, yaitu 22 bank dari 42 bank konvensional dan telah terdaftar di BEI, analisis regresi linier berganda digunakan peneliti guna memperoleh data akurat yang diinginkan. Dari sumber data yang telah peneliti gali sedemikian rupa, dapat ditetapkan bahwasanya terdapat pengaruh Non Performing Loan (NPL) terhadap profitabilitas. Nilai signifikan yang terkandung didalamnya dapat dikatakan lebih kecil daripada tingkat nilai signifikan yang telah ditetapkan. Begitu pula dengan pengaruh NPL terhadap CAR, terdapat pengaruh LDR terhadap profitabilitas yang mengakibatkan nilai signifikan menjadi relative kecil dari tingkat signifikan yang seharusnya. Disisi lain, tidak ada nilai signifikan yang melebihi nilai pada signifikasi yang ditetapkan terhadap pengaruh LDR pada CAR. Namun terdapat pengaruh NPL terhadap profitabilitas melalui CAR, tentunya dengan nilai yang relative kecil dari tingkat nilai signifikan yang seharusnya. Kata kunci : Non Performing Loan, Loan to Deposit Ratio, Capital Adequacy Ratio, Profitability AbstractThis study has the aim of knowing the capital adequacy ratio or in other words called the Capital Adequacy Ratio (CAR). In this case, the role of CAR is to mediate between Non Performing Loans (NPL) and Loan Deposit Ratio (LDR) to Profitability (ROA) at banks that have been recorded on the Indonesia Stock Exchange with the notes that the bank is conventional. This has been applied from the period 2015 to 2018. Researchers used quantitative research by carrying out the purposive method as a mediation used by researchers to take samples. From the sampling that the researcher has set, namely 22 banks from 42 conventional banks and has been registered on the BEI, the researchers decided to use multiple linear regression analysis techniques to obtain the desired data. From the data analysis that has been done, the researcher can conclude that there is an effect of Non Performing Loans (NPL) on profitability. The significant value contained in it can be said to be smaller than the level of significant value that has been set. Likewise with the effect of NPL on CAR, there is an effect of LDR on profitability which results in the significant value being relatively small from the significant level that should be. On the other hand, there is no significant value greater than the predetermined significant value on the effect of LDR on CAR. However, there is an effect of NPL on profitability through CAR, of course with a relatively small value from the level of significant value that should be.Keywords: Non Performing Loan, Loan to Deposit Ratio, Capital Adequacy Ratio, Profitabiliti
Pengaruh Penggunaan KIT IPA terhadap Keterampilan Literasi dan Proses Sains Mahasiswa Pendidikan Guru Sekolah Dasar Nasharuddin, Nasharuddin; Hajra Yansa; Miftahul Janna
JURNAL PENDIDIKAN MIPA Vol. 14 No. 2 (2024): JURNAL PENDIDIKAN MIPA
Publisher : Pusat Publikasi Ilmiah, STKIP Taman Siswa Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37630/jpm.v14i2.1561

Abstract

Terjadi kesenjangan kompetensi guru sekolah dasar dalam menggunakan Komponen Instrumen Terpadu (KIT) IPA yang mengakibatkan rendahnya efektivitas penggunaan KIT. Kesenjangan tersebut dapat diatasi dengan mempersiapkan calon guru yang lebih kompeten dan mampu mengintegrasikan KIT IPA secara efektif dalam proses pembelajaran dan memiliki kompetensi literasi dan proses sains, sehingga dapat meningkatkan kualitas pembelajaran di masa depan. Untuk itu, menjawab terbatasnya studi yang meninjau pengaruh kompetensi penggunaan KIT dengan literasi dan proses sains, maka tujuan studi ini untuk mengetahui pengaruh penggunaan KIT IPA terhadap kemampuan literasi dan proses sains mahasiswa Pendidikan Guru Sekolah Dasar (PGSD) Universitas Muhammadiyah Makassar. Studi ini menggunakan jenis penelitian eksperimen semu dengan desain one group pretest-posttest design. Melibatkan 37 mahasiswa dalam mata kuliah percobaan KIT IPA. Data hasil penelitian dianalisis secara deskriptif dan uji wilcoxon berbantukan software SPSS karena data tidak berdistribusi normal dan homogen. Pengambilan keputusan ditunjukan pada nilai probabiliti. Hasil penelitian menunjukkan nilai probabiliti data hasil pretest-posttest sebesar 0,000 atau kurang dari 0,05 (0,000<0,05), berarti menolak H0 maka terdapat perbedaan antara nilai pretest dan postest setelah diberikan perlakuan penggunaan KIT IPA pada mahasiswa PGSD. Hal tersebut memberi informasi bahwa terdapat pengaruh penggunaan KIT IPA terhadap kemampuan literasi dan proses sains mahasiswa Unismuh Makassar. Implikasi studi menghasilkan penggunaan KIT IPA dapat menjadi mata kuliah wajib bagi mahasiswa agar meningkatkan kemampuan penggunaan KIT IPA hingga kemampuan merancang KIT sederhana.
Application of the Problem Based Learning (PBL) Learning Model to Improve Mathematics Learning Outcomes Material Multiplication of Whole Numbers Class III UPTD SDN 192 Barru Syamsinar, Syamsinar; Nurapidah, Nurapidah; Nasharuddin, Nasharuddin
JISIP: Jurnal Ilmu Sosial dan Pendidikan Vol 9, No 1 (2025): JISIP (Jurnal Ilmu Sosial dan Pendidikan) (Januari)
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/jisip.v9i1.7778

Abstract

This journal reviews the material on multiplication of whole numbers for class III of UPTD SDN 192 Barru. This study aims to determine the material on multiplication of whole numbers in the mathematics learning process in class III of UPTD SDN 192 Barru. This type of research is classroom action research (PTK). The research instrument is student worksheets (LKPD). The data sources for the study are the results of observations in class, interviews with Mathematics teachers, and students. The results of the study showed that increasing understanding of multiplication of whole numbers using the Problem Basic Learning (PBL) model got good and quite satisfactory results. So it is in accordance with what the teacher expected. In the pre-action cycle, only 1 student completed it and 12 students did not complete it, while in cycle II, 13 students completed it. Overall
PENGARUH METODE MIND MAPPING TERHADAP KEMAMPUAN BERPIKIR KREATIF SISWA PADA MATERI SISTEM PENCERNAAN MANUSIA KELAS V SD INPRES TAMAMAUNG III KOTA MAKASSAR Manar, Satrio Abdil; Ma’ruf, Ma’ruf; Nasharuddin, Nasharuddin
Renjana Pendidikan Dasar Vol 5 No 4 (2025): Edisi November 2025
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh metode pembelajaran Mind Mapping terhadap kemampuan berpikir kreatif siswa dalam pembelajaran IPA kelas V di UPT SPF SD Inpres Tamamaung III Kota Makassar. Metode yang digunakan adalah kuantitatif dengan desain quasi experimental jenis nonequivalent control group design, yang melibatkan dua kelas, yaitu kelas eksperimen sebanyak 21 siswa dan kelas kontrol sebanyak 20 siswa. Data diperoleh melalui observasi, pretest, dan posttest berdasarkan empat indikator berpikir kreatif: fluency, flexibility, elaboration, dan originality. Instrumen penelitian berupa lima soal uraian dan lembar observasi aktivitas siswa. Analisis data dilakukan melalui uji normalitas, homogenitas, N-Gain, dan uji hipotesis menggunakan Independent Sample T-Test. Hasil penelitian menunjukkan adanya peningkatan skor rata-rata pretest ke posttest pada kedua kelas, namun peningkatan pada kelas eksperimen lebih signifikan. Nilai rata-rata kelas eksperimen meningkat dari 55,71 menjadi 80,48, sedangkan kelas kontrol dari 50,50 menjadi 68,00. Skor N-Gain kelas eksperimen sebesar 0,55 (kategori sedang), dan kelas kontrol sebesar 0,35 (kategori sedang). Hasil uji hipotesis menunjukkan nilai signifikansi 0,009 < 0,05, sehingga H0 ditolak. Dengan demikian, metode Mind Mapping berpengaruh secara signifikan terhadap kemampuan berpikir kreatif siswa dalam pembelajaran IPA.
Gaya Belajar Mahasiswa Farmasi dalam Pembelajaran Fisika Berdasarkan Indeks Learning Style Felder Silverman Nasharuddin; Wahyuddin; Muhammad Amin Said; Hajra Yansa; Miftahul Janna; Andi Reski Amelia
JPF (Jurnal Pendidikan Fisika) Universitas Islam Negeri Alauddin Makassar Vol 11 No 1 (2023)
Publisher : Pendidikan Fisika UIN Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/jpf.v11i1.36183

Abstract

Learning style is a vital component in improving the quality of learning in physics classes. This study identified the learning styles of pharmacy students in learning physics based on Felder Silverman's Learning Style Index (ILS) through a survey of first-year students. ILS Felder Silverman determines the 4 dimensions of learning style preferences, namely processing (active-reflective), perception (sensing-intuitive), input (visual-verbal), and understanding (sequential-global). Questionnaires were distributed using Google Forms in more than three weeks. The collected data were analyzed descriptively quantitatively through the ILS scoring sheet. The results showed that the preference for Active, Sensing, Visual, and Sequential (ASViS) learning styles was owned by pharmacy students in learning physics. ASViS is dominant at a balanced level, successively: Active (39.27%), Sensing (31.94%), Visual (35.08%) and Sequential (44.50%). The implications of this study illustrate the learning of lecturers in physics classes who should apply various methods by actively involving students through experiments, project-based learning and discussions and occasionally reflect in explaining material. Also apply convergent and divergent learning
Development of an Integrating Ethnoscience Module in Project-Based Learning to Enhance the Pedagogical Competence of Elementary Teacher Education Students Nasharuddin; Muhammad Amin Said; Amri Amal; Andi Adam Mahendra
Jurnal Penelitian Pendidikan IPA Vol 11 No 12 (2025): December
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jppipa.v11i12.12691

Abstract

Improved the quality of science education in elementary teacher training requires the development of instructional modules that are both contextual and culturally responsive. This study was conducted to design, implement, and evaluate a Project-Based Learning (PjBL) module integrated with ethnoscience to enhance the pedagogical competence of Elementary School Teacher Education students. Using a 4D development model (Define, Design, Develop, and Disseminate), the study included expert validation and user practicality testing. The module contextualized scientific content, particularly the concept of heat and temperature, using local cultural practices such as traditional palm sugar processing. Validation results indicated high feasibility scores in the didactic (94.00%), construction (96.00%), and visual aspects (98.33%) categories, while the practicality test produced an average score of 92.00%. Moreover, inferential insights from the evaluation revealed statistically significant improvements in learners' conceptual understanding (N-gain score of 0.80). The findings demonstrated that integrating ethnoscience into project-based modules not only deepened students’ comprehension of scientific principles but also fostered their ability to design meaningful, culturally relevant instruction. This research offers a valuable contribution to teacher education by presenting a validated instructional model that bridges scientific theory and local wisdom, promoting contextualized and engaging science learning. The module provides a scalable framework for future research and application across diverse educational and cultural settings.
PENGARUH MODEL RADEC BERBANTUAN MEDIA INTERAKTIF TERHADAP HASIL BELAJAR IPAS MURID KELAS IV UPT SPF SD INPRES PA’BAENG-BAENG 1: Penelitian Kuantitatif Yuyun Sulistiani; Muh Erwinto Imran; Nasharuddin
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 11 No. 02 (2025): Volume 11 No. 02 Juni 2025 In Press
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v11i02.6226

Abstract

Penerapan model pembelajaran inovatif menjadi kebutuhan penting dalam upaya peningkatan kualitas pendidikan. Salah satu pendekatan yang efektif dalam meningkatkan hasil belajar adalah model RADEC (Read, Answer, Discuss, Explain, Create). Rendahnya hasil belajar dan kurangnya keterlibatan aktif siswa dalam pembelajaran mendorong dilakukan penelitian. Oleh karena itu, model RADEC yang bersifat aktif dan kolaboratif dipadukan dengan media pembelajaran interaktif dapat menjadi solusi yang tepat. Penelitian ini menggunakan metode quasi experimental dengan desain Nonequivalent Control Group. Populasi penelitian mencakup seluruh siswa kelas IV di UPT SPF SD Inpres Pa’baeng-Baeng 1, dengan teknik sampel jenuh. Kelas IVA ditetapkan sebagai kelas eksperimen dan kelas IVB sebagai kelas kontrol. Instrumen penelitian meliputi tes pilihan ganda dan esai (pretest dan posttest), lembar observasi, serta dokumentasi. Analisis data dilakukan menggunakan statistik deskriptif dan inferensial. Hasil penelitian menunjukkan bahwa penerapan model RADEC berbantuan media interaktif secara signifikan meningkatkan hasil belajar IPAS. Mayoritas siswa di kelas eksperimen mencapai kategori hasil belajar tinggi hingga sangat tinggi, sementara siswa di kelas kontrol umumnya berada pada kategori sedang hingga rendah. Disimpulkan bahwa model RADEC berbantuan media interaktif memberikan pengaruh positif yang signifikan terhadap peningkatan hasil belajar siswa. Model ini efektif menciptakan pembelajaran yang aktif, menyenangkan, dan bermakna di tingkat sekolah dasar.
PENGARUH MODEL DISCOVERY LEARNING BERBANTUAN AUDIO VISUAL PADA PEMBELAJARAN IPAS TERHADAP HASIL BELAJAR SISWA KELAS V UPTD SDN 167 SAMAENRE KABUPATEN MAROS: penelitian eksperimen Nur Annisa; Muh. Erwinto Imran; Nasharuddin
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 11 No. 02 (2025): Volume 11 No. 02 Juni 2025
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v11i02.6295

Abstract

Effective education requires learning methods that can optimize students' potential, one of which is through the application of discovery learning models assisted by audio-visual media. This study aims to analyze the effect of the model on student learning outcomes in science subjects in grade V of elementary school. The study used an experimental design with pretest-posttest to measure changes in student learning outcomes. The results showed that there was a significant increase in students' pretest and posttest scores after the application of the discovery learning model assisted by audio-visual media. The application of this model increases student involvement in learning and facilitates understanding of the material through more interactive and interesting media. Based on the results of the study, it showed that the average student pretest score was 70.00, while the posttest score increased to 82.25. The paired samples T-test showed a significant value (2-tailed) of 0.000, which means that there is a significant effect of the use of the discovery learning model assisted by audio-visual on student learning outcomes. Based on the results obtained, H0 is rejected and H1 is accepted. This finding supports the idea that the discovery learning model equipped with audio-visual media can improve student learning outcomes so that it has an influence on the learning outcomes of class V students of UPTD SDN 167 Samaenre. It is hoped that the results of this study can be a reference for the application of innovative learning models in elementary schools.