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Determinan Kinerja Keuangan Perbankan Syariah di Indonesia dalam Perspektif Islam Isnaldi Muhammad Dini; Amrizal
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.2021

Abstract

The research aims to test and analyze the influence of the variables Operational Costs, Operational Income, and Financial Deposit Ratio on Non-Performance Financing. To test and analyze Operational Costs and Operational Income and Financial Deposit Ratio to Return on Assets directly or through the Non-Performance Financing variable as a moderating variable. The research object is Islamic banks in Indonesia using secondary data from financial reports from 2017 to 2021. The research design is a quantitative analysis using path analysis. The research results prove that the variables Operational Costs, Operational Income, and Financial Deposit Ratio have a significant positive effect on the Non-Performance Financing variable, the magnitude of the influence is 32.8%. The variables Operational Costs, Operational Income, and Financial Deposit Ratio are proven to have a positive and significant influence on the Return On Assets variable, with the magnitude of the influence being 76%. Based on path analysis, the Operational Cost variable does not affect the On Assets return variable with the Non Performance Finance variable as a moderating variable. Meanwhile, the Financial Deposit Ratio variable influences the return on assets variable with the Non-Performance Finance variable as a moderating variable. Keyword: Financing Ratio, Financial Performance, Financial Report
Post Flood Disaster Management Practices with Collaborative Governance in Indonesia Dedeh Maryani; Achmad Suhawi; Ika Ahyani Kurniawati; Isnaldi Muhammad Dini
Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) Vol. 4 No. 12 (2025): Jim-id, December 2025
Publisher : Sean Institute

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Abstract

This research is motivated by the fact that the major floods and landslides that struck Aceh, North Sumatra, and West Sumatra at the end of 2025 caused multidimensional impacts, including loss of life, mass displacement, and damage to infrastructure and ecosystems. The complexity of post-disaster management demands cross-sector collaborative governance in accordance with the mandate of Law No. 24 of 2007. This study aims to analyze the urgency and design of multi-stakeholder collaboration from a Public Administration perspective, grounded in Collaborative Governance theory, Collaborative Governance Regimes, and the Pentahelix model. The research employs a qualitative-descriptive approach through literature review and policy analysis. Data are drawn from regulations, theoretical literature, reports from BNPB/BPBD, and national media publications. Analysis is conducted by mapping theoretical frameworks to field findings, identifying implementation gaps, and synthesizing policy recommendations. The results indicate that post-disaster management in Sumatra faces obstacles such as regional isolation, disruptions to electricity and telecommunications networks, limited capacity of BPBD, and ecological vulnerability in upstream areas. The application of trust-building principles, small wins, and CGR-based collaborative regimes can strengthen cross-provincial coordination. The Pentahelix model serves as a practical architecture to orchestrate the roles of government, communities, academia, the private sector, and the media in restoring basic services, rehabilitating infrastructure, and reducing recurrent risks. Collaborative governance that integrates the Ansell & Gash framework, the Emerson–Nabatchi CGR, and the Pentahelix model is key to effective post-disaster flood management in Sumatra. Policy recommendations include establishing cross-provincial Collaborative Command Posts, adopting operational small wins, integrating academic studies into technical decision-making, strengthening a unified disaster data system, and considering national disaster status in accordance with the indicators set out in Law No. 24 of 2007