The Influence of NPF, CAR, and FDR on Financing Murabahah-Based with Third Party Fund as Moderator in Sharia Commercial Banks 2015 – 2022

This study aims to analyse the influence of Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), and Financing Deposit Ratio (FDR) on Financing Murabahah-Based with Third-Party Fund as a Moderator 2015 – 2022. This study uses three variables that encompass independent variable, dependent variable, and moderation variable. Independent variables consist of Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), and Financing Deposit Ratio (FDR), dependent variable consists of Financing Murabahah-Based, and moderation variable consists of Third-Party Fund that will subsequently be analysed with Moderated Regression Analysis (MRA) by comparing the R-square Value before and after the tally include and exclude the moderation variable in the statistical measurement. The data used in this study were monthly data from January 2015 until January 2022. The research method that was used in this study was descriptive quantitative analyse by using linear regression analysis through path analysis which was processed by using E-Views 10. The results of this study show that Non-Performing Financing (NPF) and Financing Deposit Ratio (FDR) influence negatively and significantly Financing Murabahah-Based, Capital Adequacy Ratio (CAR) influences positively and significantly on Financing Murabahah-Based, and Third-Party Fund moderates the relationship between Non-Performing Financing (NPF) and Financing Murabahah-Based, Capital Adequacy Ratio (CAR) and Financing Murabahah-Based, and Financing Deposit Ratio (FDR) and Financing Murabahah-Based

Studi Pengelolaan Zakat Profesi pada Badan Amil Zakat (Baz

Penelitian ini bertujuan untuk mengetahui Studi Pengelolaan Zakat Profesi Pada Badan Amil Zakat Makassar. Penelitian ini merupakan upaya untuk mengetahui tentang Studi Pengelolaan Zakat Profesi Pada Badan Amil Zakat Makassar.. Fokus penelitian yang ingin dijawab melalui penelitian ini adalah (1) Bagaimana sistem pengelolaan zakat profesi di Badan Amil Zakat Makassar?, (2)Bagaimana Hukum Zakat Profesi?,(3) Bagaimana Pemenafaatan dana zakat ?. Untuk menjawab pertanyaan tersebut maka penelitian yang digunakan adalah penelitian lapangan (Field Research). Penelitian menggunakan pendekatan kualitatif dan kuantitatif dengan teknik data melalui observasi, wawancara, kusioner dan dokumentasi. Metode analisis datanya menggunakan teknik analisis Kuantitatif dengan menggunakan Program Smart PLS.Kesimpulan yang dihasilkan pada penelitian ini adalah pengambilan zakat profesi di Badan Amil Zakat Makassar dari UPZ di setiap bulannya. Kemudian dana yang diserahkan kepada BAZ dan didistribusikan sesuai dengan program-program yang sudah ada. Program diantaranya, Pembinaan Agama,Pelatiahan sholat jenazah, bantuan kepada guru TK/TPA, bantuan muallaf, pelayanan pendidikan/ Beasiswa, bantuan kesehatan, dan bantuan sosial. bantuan tersebut yang masuk tujuannya untuk peningkatan mutu

Estimating a Demand System with Seasonally Differenced Data

Researchers estimating demand systems have often used annual data even though monthly or quarterly data are available. Monthly data may be avoided because with monthly data it becomes more difficult to specify seasonality, autocorrelation is more likely to be significant, and there is a greater chance of finding significant dynamics in demand. This paper shows how to obtain consistent and asymptotically efficient estimates of a demand system using seasonal differenced data. It also shows that several alternative estimators are either inefficient or implausible for demand systems.Demand and Price Analysis,

Market Integration for Shrimp and the Effect of Catastrophic Events

Seasonal unit-root testing and seasonal cointegration methods are employed to investigate the price transmission in U.S. shrimp markets. ARIMA and Vector Error Correction Models (VECM) are used to identify the effect of catastrophic events on individual price series in one region and the spillover effects in the price series for other regions. Results showed that a cointegrating relation exists between neighboring states, specifically between Alabama and Mississippi and Louisiana and Texas. Cointegrating relations also exist between the Gulf States and the Pacific region, but not the Atlantic region, and the price of imported shrimp is cointegrated with each of the domestic shrimp price series. Finally, while Katrina had an effect on shrimp prices in Gulf States, the effect was not long lasting.catastrophic events, cointegration, market integration, seasonal unit-roots, spillover effects, Marketing, Risk and Uncertainty, C13, Q11, Q13,

KAJIAN PEMBELAJARAN TWO STAY TWO STRAY UNTUK MENINGKATKAN HASIL BELAJAR SISWA SMK TEKNIK OTOMOTIF

AbstrakTujuan penelitian ini untuk mengetahui secara tertulis model pembelajaran Two Stay Two Stray, Aktivitas siswa, respon siswa dan hasil belajar pada model pembelajaran Two Stay Two Stray, kelebihan dan kekurangan model pembelajaran Two Stay Two Stray. Metode penelitian menggunakan studi literatur dengan 5 tahapan, mengumpulkan literatur kemudian melakukan review terhadap istilah penting, mengumpulkan hasil ulasan penelitian relevan dari 5 artikel, menganalisis berdasarkan 5 artikel yang diperoleh dengan menyusun hasil dan pembahasan, kesimpulan dan saran. Model pembelajaran kooperatif Two Stay Two Stray merupakan model pembelajaran dua tinggal dua tamu. Dua siswa tinggal akan menyajikan hasil diskusi kelompoknya kepada tamu, dua siswa bertamu berpencar mencari informasi ke kelompok lain. Setelah menyelesaikan tugasnya siswa kembali ke kelompok asal, mencocokan dan membahas hasil kerja yang sudah mereka tuntaskan. Dengan menggunakan model pembelajaran Two Stay Two Stray aktivitas siswa mendapatkan persentase sebesar 79%, hasil respon siswa memperoleh presentase 82%, Hasil belajar siswa memperoleh presentase 80% yang tuntas dari jumlah siswa didalam kelas. Model pembelajaran ini mengalami peningkatan. Siswa saling bekerjasama dalam mendiskusikan kesulitan materi yang diperoleh, bertanya kepada teman sebaya sesuai dengan kesulitan materi didapatkannya, sehingga siswa merasakan tanggung jawab  besar terhadap menyajikan hasil kerjanya kepada kelompok lain dan materi yang didapatkannya untuk disampaikan ke kelompok asalnya. Model pembelajaran ini membutuhkan waktu yang relatif lama untuk persiapan dan pelaksanaannya. Siswa cenderung masih lemah saat berkomunikasi diantaranya memaparkan hasil kerja kelompoknya kepada tamu dan menyajikan hasil kerjanya didapatkan saat bertamu.Kata Kunci: Model pembelajaran Two Stay Two Stray, Aktivitas, respon, hasil belajar, Kelebihan dan Kekurangan

Karakteristik Fluida Mata Air Panas di Kabupaten Tanah Datar

Penelitian ini bertujuan untuk mengdentifikasi karakteristik fluida pada 6 (enam) titik mata air panas di Kabupaten Tanah Datar terkait asal usul fluida panas bumi, pengenceran fluida panas bumi dan kesetimbangan fluida panas bumi. Konsentrasi Li, B, Na, K, dan Mg pada masing-masing sampel diukur dengan menggunakan Inductively Coupled Plasma Atomic Emission Spectroscopy (ICP-AES) dan konsentrasi Cl diukur menggunakan dengan metode titrasi. Diagram segitiga Cl-Li-B menunjukkan seluruh sampel didominasi oleh Cl yang mengindikasikan bahwa mata air panas di Kabupaten Tanah Datar berasal dari sumber panas bumi dan terjadi sedikit pengenceran batuan sedimen organik. Plot diagram  segitiga Na-K-Mg menunjukan seluruh sampel berada pada daerah immature water yang mengindikasikan fluida panas bumi Kabupaten Tanah Datar bercampur dengan air permukaan yang cukup banyak. This study aims to identify the characteristics of the fluids at 6 (six) hot springs in Tanah Datar Regency regarding the origin of geothermal fluids, dilution of geothermal fluids and equilibrium of geothermal fluids. The concentrations of Li, B, Na, K, and Mg in each sample were measured using Inductively Coupled Plasma Atomic Emission Spectroscopy (ICP-AES) and Cl concentrations were measured using the titration method. Based on these results, the Cl-Li-B triangle diagram shows that all samples are dominated by Cl, which indicates that the hot springs in Tanah Datar Regency originate from geothermal sources and there is a slight dilution of organic sedimentary rocks. The plot of the Na-K-Mg triangle diagram shows that all samples are in the immature water area, which indicates that the geothermal fluid in Tanah Datar is mixed with quite a lot of surface water

CULTURAL CONTENTS OF A JUNIOR HIGH SCHOOL ENGLISH TEXTBOOK

Budaya selalu hadir dalam pengajaran dan pembelajaran bahasa Inggris. Budaya juga hadir dalam buku teks yang dikembangkan untuk memfasilitasi pengajaran dan pembelajaran bahasa Inggris. Beberapa penelitian telah mencoba untuk menyelidiki konten budaya yang tercakup dalam buku teks bahasa Inggris. Namun, ada kekurangan studi seperti itu dalam konteks Indonesia yang mengeksplorasi tidak hanya jenis konten budaya yang dicakup buku teks tetapi juga budaya yang diwakili oleh konten tersebut. Selain itu, studi tentang konten budaya dalam buku teks jarang menyertakan pendapat penulis. Oleh karena itu, penelitian ini bertujuan untuk menganalisis konten budaya dalam sebuah buku teks bahasa Inggris. Penelitian ini menggunakan desain penelitian studi kasus kualitatif. Buku teks untuk siswa kelas 9 di Indonesia dipilih sebagai sumber data dalam penelitian ini. Selain itu, penulis buku teks yang juga seorang guru bahasa Inggris diwawancarai. Untuk mengetahui jenis konten budaya yang terkandung dalam buku teks, kerangka kerja analisis konten budaya dari Moran (2001) dan Cortazzi dan Jin (1999) digunakan. Temuan mengungkapkan bahwa buku teks mengandung semua jenis konten budaya termasuk products, practices, perspectives, communities dan persons. Jumlahnya didominasi oleh cultural products yang terdiri dari benda-benda konkret seperti makanan, pakaian dan tempat-tempat yang dapat ditemukan dalam budaya siswa sendiri, sedangkan jenis konten budaya yang paling sedikit disajikan adalah cultural communities. Konten budaya tersebut disajikan dalam dialog, gambar, tugas, dan bacaan bacaan. Culture is always present in English language teaching and learning. It also exists in the textbooks developed to facilitate English teaching and learning. Several studies have tried to investigate cultural contents covered in English textbooks. However, there is a lack of such studies in Indonesian context that explore not only the types of cultural contents the textbook covers but also the cultures that those contents represent. Moreover, studies on cultural contents in textbooks rarely include the author’s opinion. Therefore, the present study aims to analyze cultural contents in a textbook. This study employed a qualitative case study research design. A textbook for 9th grade students in Indonesia was chosen as the data source in this study. In addition, the author of the textbook who is also an English teacher was interviewed. To find out the kinds of cultural contents contained in the textbook, a cultural content analysis framework from Moran (2001) and cultural category from Cortazzi and Jin (1999) were used. The findings revealed that the textbook contains all types of cultural contents including products, practices, perspectives, communities and persons. The number is dominated by cultural products consisting of concrete objects such as food, clothes and places that can be found in the students’ own culture, while the least presented type of cultural contents is the community of culture. Those cultural contents are presented in dialogues, pictures, tasks and reading passages

Uji Beberapa Zat Pengatur Tumbuh Alami Terhadap Pertumbuhan Bibit Karet (Hevea Brasiliensis Muell Arg) Stum Mata Tidur

Rubber plant (Hevea Brasiliensis Muell Arg) was one of important plantation commodity as second source of foreign exchange after palm oil. The main result of rubber tree is latex as raw material for manufacture of transport equipment, medical and household appliances. This study aimed to determine the effect of the use some natural plant growth regulators on the growth of budded stump and get the best of natural plant growth regulators for budded stump rubber plant. This research has been carried out in technical services unit of Agriculture Faculty, Riau University. This research was conducted with completely randomized design (CDR) consisting of 4 treatment namely : without giving PGR, giving coconut water, green bean extract, and young bamboo extract. Each treatment was repeated 4 times with each unit consisting of 3 seedling experiment and total number of seedling was prepare 48 seedling. The data were analyzed used analysis of variance (ANOVA) and continued by least significant difference (LSD) at 5%. The parameters measured were : buds appear time, shoot length, number of petiole, shoot diameter and leaf area. The result showed that provision of coconut water with 750 cc/l concentration showed the best growth of budded stump rubber plant at parameters buds appear time, shoot length, number of petiole and shoot diameter

Keragaan Beberapa Genotipe Tomat (Lycopersicum Esculentum Mill.) di Dataran Rendah

The study was conducted from October to March 2013 at Agriculture faculty, University of Riau . The experimental design used was Randomized Block Design (RBD), consisting of 6 treatments and 3 replications, which is total 18 experimental units. Data were analyzed using analysis of variance and tested further by Least Significant Difference (LSD) level of 5 %. The parameters measured were plant height (cm), stem diameter (cm), days to flowering days after sowing (DAS), days to harvesting after sowing (DAS), fruit length (cm), fruit diameter (cm), number of fruit space, fruit flesh thickness (mm), number of seeds per gram, number of fruits per plant, weight per fruit (g) and weight of fruit per plant (g). The results show variability genotypes tested and the results are different in each genotype . Tomato strains tested have the ability to grow and yield better than varieties Ratna and Karina as a comparison . IPB T43-6-8 and IPB T34-7-7 is a strain with high yield . IPB T60- 2-6 and IPB T65-9-2012 is a strain that has a moderate yield, as well as Ratna and Karina is a variety which has the lowest yield