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The Effect of Capital Adequacy, Financing, and Economic Growth on The Profitability of Islamic Commercial Banks In The Period 2019-2024 Tamami, Tamami; Muhsin, Moh.; Fatoni, Ahmad
JURNAL EKONOMI SYARIAH Vol 10, No 1 (2025): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v10i1.14971

Abstract

Introduction to The Problem: This study was conducted due to the gap in the theory of the financial ratios CAR, NPF, MSME Financing, non-MSMEs, and economic growth towards Return on Assets (ROA) at Islamic Commercial Banks in Indonesia. On the other hand, the development of bank ROA in the era of globalization and technology stagnation at 2% is lagging when compared to conventional banks with higher profitability. Whereas the majority are Muslim which can drive profits from users of Islamic Commercial Bank services. So this study needs to analyze each relationship between variables and the profitability of Islamic banks.Purpose/Objective Study: To see whether CAR, NPF, MSME Financing, Non-MSME Financing, and economic growth affect profitability partially and simultaneously.Design/Methodology/Approach: This study uses a quantitative approach through time series regression analysis and error correction model (ECM) testing using the Eviews 12.0 computer program.Findings: In the long run, MSME financing and economic growth have a positive effect on ROA. While in the short run, CAR, NPF, MSME financing and economic growth have a positive impact on ROA.Paper Type: Research Article
Integrasi OCR dan Raspberry Pi dalam Sistem Pemindai Otomatis untuk Aksesibilitas Digital Liveio Amanda Kusuma Putra; Desriyanti, Desriyanti; Muhsin, Moh.
SinarFe7 Vol. 7 No. 1 (2025): SinarFe7-7 2025
Publisher : FORTEI Regional VII Jawa Timur

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Abstract

Abstract - Persons with disabilities, especially those who are visually impaired, face limitations in accessing printed information such as books, magazines, and brochures, which are generally intended for the sighted public. Although Braille has become the standard solution for blind individuals to read, the limited availability of Braille reading materials, uneven distribution, and the requirement for special learning make it less efficient and not entirely inclusive. According to data from the 2015 Intercensal Population Survey (SUPAS) by Statistics Indonesia, around 6.36% of the Indonesian population has visual impairments, with 0.13% experiencing total blindness. This data highlights the importance of developing alternative technologies that offer easier and more practical access to information for the visually impaired. This study aims to design and implement an Automatic Text and Image Reading Scanner Based on Raspberry Pi. The device works by capturing text and images through a Raspberry Pi camera, then processing them using a Raspberry Pi 3 Model B computing system, and converting them into voice output that can be heard through a speaker. The system is also equipped with an HC-SR04 ultrasonic sensor to maintain the optimal distance for image capture. The expected result is a portable device that helps visually impaired individuals read printed text without the need for Braille, providing the information in audio form. Through the development of this tool, it is expected to offer a more inclusive and efficient solution for visually impaired individuals to access information independently, while also contributing to the advancement of assistive technology.