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The THE EFFECT OF MUDHARABAH FINANCING ON THE ROA (RETURN ON ASSET) IN SHARIA COMMERCIAL BANKS FOR THE PERIOD 2014-2019 Sholihah, Imro’atus; Salwa, Alivia Meisda; Rabbani, Didin Burhanuddin
International Journal of Global Accounting, Management, Education, and Entrepreneurship Vol. 1 No. 2 (2021): International Journal of Global Accounting, Management, Education, and Entrepre
Publisher : Sekolah tinggi ilmu ekonomi pemuda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.48024/ijgame2.v1i2.27

The development of the sharia economy in Indonesia continues to experience rapid development, especially in the banking sector. Where the banking world is given a great opportunity by the government to carry out its business activities based on sharia principles. As a financial institution, Islamic banks must have differences with conventional banks, especially in terms of financing. Islamic banks are more focused on financing with the principle of profit sharing which is expected to be able to meet the criteria of liquidity, profitability, and solvency. To achieve high profitability, funds are required in appropriate financing. One of the ratios to measure the level of profitability is the Return On Asset (ROA) ratio. The purpose of this study is to determine whether there is an effect of Mudharabah financing on ROA generated by Islamic Commercial Banks for the 2014-2019 Period. This research method is included in the type of quantitative research with an associative approach. Population is taken from the annual report of 14 Islamic Commercial Banks. The sampling technique used simple random sampling. The research sample was obtained in the form of the annual financial reports of 5 Islamic Commercial Banks for the period 2014-2019. Where the data collection uses secondary data obtained from the Banking Statistic Report published by the Financial Services Authority (OJK) and the annual Financial Report published by each Islamic Commercial Bank. The results of testing the regression coefficients by coefficients obtained the sig value of mudharabah financing of 0.717 > 0.05. This means that the independent variable mudharabah has no significant effect on the dependent variable Return on Assets (ROA). So this shows that Ho is accepted and Ha is rejected, with the conclusion that partially mudharabah financing has no significant effect on the Return on Assets (ROA) of Islamic Commercial Banks for the 2014-2019 period.

THE STRATEGIC ROLE OF EDUCATION SUPERVISION IN THE IMPLEMENTATION OF PUBLIC POLICY TOWARDS IMPROVING THE HUMAN DEVELOPMENT INDEX Sholihah, Imro’atus; Nisa’, Qonitatun
International Conference on Humanity Education and Society (ICHES) Vol. 4 No. 1 (2025): The 4rd International Conference on Humanity Education and Society (ICHES)
Publisher : FORPIM PTKIS ZONA TAPAL KUDA

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The Human Development Index (HDI) is a key indicator in measuring the quality of human resources, with education as one of its main pillars. Public policy in the education sector aims to improve quality, access, and equity, yet its success largely depends on effective implementation at the ground level. In this context, educational supervision plays a strategic role as a bridge between national policies and practices at the school level. This study uses a qualitative approach with a case study method to examine the contribution of supervision to the effectiveness of education policy implementation oriented toward improving HDI. The findings indicate that supervision functions not only as a control mechanism but also as a means of continuous assistance and evaluation. Through supervision, implementation barriers can be identified and addressed contextually. Additionally, supervision enhances the professional capacity of teachers and school principals, strengthens school management, and builds educators’ confidence in adopting new policies.Collaborative and sustained supervision proves effective in improving the quality of learning and educational outcomes. However, the implementation of supervision still faces challenges, such as a limited number of supervisors, insufficient training, and inadequate budget support. Therefore, strengthening the supervision system is crucial to support the success of education policy and the sustainable improvement of HDI.

THE STRATEGIC ROLE OF EDUCATION SUPERVISION IN THE IMPLEMENTATION OF PUBLIC POLICY TOWARDS IMPROVING THE HUMAN DEVELOPMENT INDEX Sholihah, Imro’atus; Nisa’, Qonitatun
International Conference on Humanity Education and Society (ICHES) Vol. 4 No. 1 (2025): The 4rd International Conference on Humanity Education and Society (ICHES)
Publisher : FORPIM PTKIS ZONA TAPAL KUDA

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

The Human Development Index (HDI) is a key indicator in measuring the quality of human resources, with education as one of its main pillars. Public policy in the education sector aims to improve quality, access, and equity, yet its success largely depends on effective implementation at the ground level. In this context, educational supervision plays a strategic role as a bridge between national policies and practices at the school level. This study uses a qualitative approach with a case study method to examine the contribution of supervision to the effectiveness of education policy implementation oriented toward improving HDI. The findings indicate that supervision functions not only as a control mechanism but also as a means of continuous assistance and evaluation. Through supervision, implementation barriers can be identified and addressed contextually. Additionally, supervision enhances the professional capacity of teachers and school principals, strengthens school management, and builds educators’ confidence in adopting new policies. Collaborative and sustained supervision proves effective in improving the quality of learning and educational outcomes. However, the implementation of supervision still faces challenges, such as a limited number of supervisors, insufficient training, and inadequate budget support. Therefore, strengthening the supervision system is crucial to support the success of education policy and the sustainable improvement of HDI.

PENINGKATAN KETERAMPILAN BERBICARA DALAM MENANGGAPI PEMBACAAN CERPEN MELALUI MODEL PEMBELAJARAN KEPALA BERNOMOR STRUKTUR PADA PESERTA DIDIK DI MTsN 4 JOMBANG SHOLIHAH, IMRO’ATUS
Inovasi: Jurnal Diklat Keagamaan Vol 14 No 2 (2020): Inovasi: Jurnal Diklat Keagamaan
Publisher : Balai Diklat Keagamaan Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52048/inovasi.v14i2.169

Student learning outcomes are strongly influenced by the quality of learning carried out in madrasah. Onething that determines the quality of learning is the use of learning methods and models that are appropriateor in accordance with the material being taught. The results of learning speaking skills material in responseto short story reading at MTsN 4 Jombang are still very low. For this reason, the researcher wants to makechanges so that learning outcomes can be increased, namely by applying the structure numbered headlearning model. This research is a Classroom Action Research which is carried out in 2 cycles with each cycleincluding planning, implementing actions, observing activities, and reflecting. The subjects of this studywere students of class IX A MTsN 4 Jombang even semester 2018/2019 with a total of 34 students. Thedata analysis used in this research is descriptive qualitative analysis. Data collection techniques were carriedout through student activity observation sheets, achievement tests for students’ learning competencies,interviews, and questionnaires. The results of this study are [1] the group discussion method with thenumbered head model can actively involve all students in discussion activities, is effective enough to fosterdiscipline, interest, cooperation, activeness, and responsibility of students and is proven to be effective inovercoming students’ difficulties. in expressing opinions and giving responses in short story reading; [2]the group discussion method with the numbered head model can improve Indonesian learning outcomes inspeaking skills, especially in response to short story reading. This is evidenced by the increase in Indonesianlearning achievement, the material ability to respond to short story reading from the initial conditions withan average value of 70 with 20 % completeness to the final condition in the second cycle, an average valueof 85 with a completeness of 85.70 % in class IX A MTsN students. 4 Jombang Even semester of the 2018/2019 academic year.

Pengembangan Manajemen Kurikulum Pendidikan Islam untuk Mengintegrasikan Nilai-Nilai Keislaman dan Kekinian: Penelitian Sholihah, Imro’atus
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.4594

This study aims to describe the development of Islamic education curriculum management in integrating Islamic and humanitarian values in Islamic educational institutions. This research is motivated by the persistence of curriculum management that separates the strengthening of religiosity and social awareness of students. The study uses a descriptive qualitative approach with data collection through observation, in-depth interviews, and documentation studies at purposively selected Islamic educational institutions, and analyzed through data reduction, presentation, and drawing conclusions. The results show that curriculum management development is carried out through planning, organizing, implementing, and evaluating functions oriented towards the integration of Islamic and humanitarian values. Learning planning combines religiosity and social awareness, organizing involves collaboration between leaders and teachers, implementation integrates values in learning and religious and social activities, and evaluation assesses cognitive, attitudinal, and behavioral aspects, although still needs improvement. The study concludes that planned and sustainable curriculum management contributes to the formation of religious and humanistic students and recommends strengthening teacher capacity and developing more comprehensive evaluation instruments.

Integration of Islamic Values in Local Wisdom to Realize Tolerance (Religious Moderation Village) in Gunung Malang Village Sumberjambe Jember Heridianto, Heridianto; Sholihah, Imro’atus; Asfiyah, Wardatul
Paedagogie: Jurnal Pendidikan dan Studi Islam Vol. 7 No. 01 (2026): Paedagogie: Journal of Education and Islamic Studies
Publisher : Muttaqien Publishing, Pusat Penelitian dan Pengabdian kepada Masyarakat (P3M) STAI DR. KH. EZ. Muttaqien Purwakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52593/pdg.07.1.02

This research aims to analyze the integration of Islamic values and local wisdom in shaping the practice of tolerance between religions at the family and community levels. Studies of religious moderation in Indonesia have so far emphasized the role of the state and formal institutions, while the practice of tolerance that grows naturally in the family and local culture is still relatively understudied. This research is located in Gunung Malang Village, Sumberjambe District, Jember Regency, a multicultural village known for having a harmonious social life without open religious conflicts. The research uses a qualitative approach with a case study design. The data was collected through in-depth interviews with 12 informants consisting of religious leaders, traditional leaders, village officials, and interfaith families. Participatory observation was carried out for four months to capture the daily social practices of the community. Data analysis was carried out thematically using the help of NVivo 12 software until it reached the data saturation point. The results of the study show that there are three main patterns of tolerance, namely: (1) Negotiation of religious values in interfaith families, (2) Interfaith social participation in life cycle events such as marriage and death, and (3) Social solidarity based on mutual cooperation. This pattern reflects the integration of Islamic values such as rahmah, justice and ukhuwah insaniyah with local wisdom in the form of kinship systems and village deliberations. This research contributes to formulating a model of tolerance based on family and local culture as a contextual and sustainable form of religious moderation.

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