bluuebunny/crossref_metadata_2025 huggingface dataset:
The Effect of Non Performing Financing (NPF) and Earning Asset Quality (KAP) on Return On Assets (ROA) at PT. Bank Rakyat Indonesia Syariah, Tbk 2009-2018
Authors: Haliza Nur , Nofinawati Nofinawati , Batubara Damri , Fahrizal Nando
Published: February 2022

Return On Assets (ROA) is a ratio used to determine the bank's ability to generate profits. The problem in this research is that there is a phenomenon that is not in accordance with the theory. Where, in 2011 the fourth quarter of Non Performing Financing (NPF) decreased accompanied by a decrease in the value of Return On Assets (ROA), as well as Earning Asset Quality (KAP) increased but was not followed by an increase in Return On Assets (ROA). This research is a quantitative research, with the research location at PT. Bank Rakyat Indonesia Syariah, Tbk using secondary data as many as 40 samples in the form of quarterly consolidated financial statements obtained from the website www.ojk.go.id. Analysis of the data used is multiple linear regression test, classic assumption test, coefficient of determination (R2), as well as t test and F test. The results of the partial study (t test) show that Non Performing Financing (NPF) has a significant effect on return. On Assets (ROA), as evidenced by tcount ttable (2.464 2.026) with a significance level of 0.019 0.05, and Earning Asset Quality (KAP) has a significant effect on Return On Assets (ROA), as evidenced by - tcount -ttable that is (-3.385-2.026) with a significance level of 0.002 0.05. Meanwhile, simultaneously Non-Performing Financing (NPF) and Earning Asset Quality (KAP) have a significant effect on Return On Assets (ROA) as evidenced by Fcount Ftable (8.981 3.25) with a significant level of 0.001 0.05.The Effect of Non Performing Financing (NPF) and Earning Asset Quality (KAP) on Return On Assets (ROA) at PT. Bank Rakyat Indonesia Syariah, Tbk 2009-2018
The Effect of Non Performing Financing (NPF) and Operating Expenses of Operating Income (BOPO) on Return on Equity (ROE) on PT. Bank Bri Syariah, Tbk.
Authors: Nofriyanti Nofriyanti , Ritonga Kamaluddin , Lestari Sry , Batubara Damri
Published: February 2022

The background of this research is the incompatibility of theory with facts. Based on financial report data obtained from PT. Bank BRI Syria, Tbk. The period 2011-2019 tends to fluctuate. Financial ratios that can affect the rise and fall of the Return On Equity variable in this study are seen from the increase and decrease in the Non-Performing Financing variable and the Operating Income Operating Cost variable. The formulation of the problem in this study is whether there is an effect of Non-Performing Financing and Operational Costs of Operating Income on Return On Equity at PT. Bank BRI Syariah, Tbk. 2011-2019 period. This study aims to determine the effect of Non-Performing Financing and Operational Cost of Operating Income on Return On Equity at PT. Bank BRI Syariah, Tbk. Period 2011-2019 partially and simultaneously. This study discusses the financial statements related to the theory of the Non-Performing Financing variable and the Operating Cost of Operational Income variable on the Return On Equity variable. And related to other fields of Islamic banking science. This type of research is quantitative research, the data source used is secondary data through www. BRI Syariah.co.id. The sample of this research is 36 with data analysis used is multiple linear regression, by performing descriptive statistical tests, normality tests, linearity tests, classical assumption tests, hypothesis tests, R2 determination coefficient tests, and F tests, and the data is processed with the help of Software Eviews. Based on the results of the research partially Non-Performing Financing variables have a significant effect on Return On Equity, this is evidenced by the t-test analysis. And on the variable Operating Costs, Operating Income partially has a significant effect on Return On Equity, this is evidenced by the t-test analysis. Then simultaneously the variables of Non-Performing Financing and Operating Costs of Operating Income have a joint effect on Return On Equity
Profitability Factors On Bank Muamalat Indonesia
Authors: Zakariah M Askari , Sari Fitri Kumala , Hamzulyana Hamzulyana
Published: February 2022

AbstractIndonesian crisis on 1998 have affected to Bank condition. Bank Muamalat Indonesia (BMI) have Islamic principle on mechanism process such as profit sharing.  This study aims to determine and analyze how much influence these factors have on Bank Muamalat Indonesia's profitability (ROA). Methodology of research by Multiple linear regression based on open data profitability, factors tested were financing to deposit ratio (FDR), non performing finance (NPF), and operational expenditure on operating income (BOPO). Result showed that formula R square is 0.99, analysis of variance significant, FDR have a positive effect significant to ROA. However, Operational expenditure on operating income (BOPO) have a negative effect significant. Concluded that factor FDR and BOPO have affected profitability on Bank Muamalat Indonesia in 2013-2018. Abstrak Krisis Indonesia pada tahun 1998 telah mempengaruhi kondisi perbankan. Bank Muamalat Indonesia (BMI) salah satu bank yang memiliki prinsip syariah yang dalam operasionalnya menjalankan prinsip bagi hasil. Penelitian ini bertujuan untuk mengetahui dan menganalisis seberapa besar pengaruh variabel bebas terhadap profitabilitas Bank Muamalat Indonesia (ROA). Metodologi penelitian dengan Regresi Linier Berganda. Faktor yang diuji adalah rasio pembiayaan terhadap deposito (FDR), keuangan bermasalah (NPF), dan pengeluaran operasional untuk pendapatan operasional (BOPO). Hasil penelitian menunjukkan bahwa R square adalah 0,99. FDR berpengaruh positif dan signifikan terhadap ROA. Namun, biaya operasional pendapatan operasional (BOPO) berpengaruh negatif dan signifikan. Disimpulkan bahwa faktor FDR dan BOPO mempengaruhi profitabilitas pada Bank Muamalat Indonesia pada tahun 2013-2018.
Social Safety Net Pada Program Keluarga Harapan Dalam Meningkatkan Kesejahteraan Keluarga Miskin Di Kota Palembang
Authors: Kaharudin M Robby
Published: February 2022

Abstract The purpose of this research were to analyze the effectiveness of the implementation of PKH in improving the welfare of poor families with the perspective Islamic economics. This research is a field research that uses a qualitative descriptive approach. Sampling techniques are purposive sampling and snowball sampling. Primary data were obtained from Palembang City Social Service, Palembang City PKH Coordinator, Palembang Ilir Barat Dua Sub-District Assistant, and PKH Participants selected based on certain conditions. The results of study conclude that the implementation of PKH has been running effectively in Palembang City and in accordance with the objectives of the program. PKH has also had a positive impact on improving the economic welfare of poor families in the city of Palembang, but this welfare was not accompanied at the level of awareness in carrying out religious activities. Mean while Islamic Economics to measure the level of family welfare must consider the indicator of Religion. AbstrakPenelitian ini bertujuan untuk menganalisa efektivitas pelaksanaan PKH dalam meningkatkan kesejahteraan keluarga miskin di Kota Palembang dalam perspektif Ekonomi Islam. Penelitian ini merupakan penelitian lapangan (field research) yang menggunakan pendekatan Deskriptif kualitatif Teknik sampling dalam penelitian ini yaitu purposive sampling dan snowball sampling, Dengan mengumpulkan data melalui wawancara dan dokumentasi. Data primer di peroleh dari Dinas sosial kota Palembang, Koordinator PKH Kota Palembang, Pendamping Kecamatam Ilir Barat Dua Palembang, serta Peserta PKH yang dipilih berdasarkan syarat-syarat tertentu. Hasil penelitian ini menyimpulkan bahwa Pelaksanaan PKH telah berjalan dengan efektif sesuai dengan tujuan. PKH juga telah memberikan dampak positif terhadap peningkatan kesejahteraan ekonomi keluarga miskin di Kota Palembang khususnya kecamatan Ilir Barat Dua Palembang, Namun kesejahteraan tersebut tidak diiringi pada tingkat kesadaran dalam menjalankan aktivitas ibadah. Padahal dalam Ekonomi Islam untuk mengukur tingkat kesejahteraan keluarga harus mempertimbangkan indikator Religion.
Determinan Harga Saham Perusahaan Yang Terdaftar di Jakarta Islamic Index
Authors: Kalsum Ummi , Sari Julina
Published: February 2022

AbstrakDER yang tinggi cenderung menyebabkan harga saham menurun. Pemegang saham dengan rasio laba yang tinggi akan berdampak baik karena menunjukkan perusahaan sangat menguntungkandan akan menaikkan harga saham perusahaan. NPM yang tinggi cenderung menyebabkan harga saham meningkat.Namun pada kenyataannya tidak demikian. Penelitian ini merupakan penelitian sekunder data kuantitatif. Adapun sampel yang terdapat dalam penelitian ini terdapat 30 perusahaan. Teknik analisis data yang digunakan adalah data panel regresi linear berganda dengan cross section terdiri dari 6 perusahaan dan time series terdiri dari 5 tahun. Hasil penelitian menyimpulkan bahwa Model yang terpilih adalah fixed effect. Berdasarkan hasil estimasi menggunakan regresi fixed effect maka diperoleh persamaan regresi HS = 4.143621 + 0.732500 (DER) + 0.711684 (NPM) + 1.210972. Berdasarkan uji parsial DER berpengaruh positif terhadap variabel harga saham. NPM berpengaruh positif terhadap harga saham. Untuk uji simultan DER dan NPM berpengaruh secara bersama-sama AbstractA high DER tends to cause stock prices to decline. Shareholders with high profit ratios will have a good impact because it shows the company is very profitable and will raise the company's stock price. High NPM tends to cause share prices to rise. However, in reality this is not the case. This research is secondary data quantitative research. The samples in this study were 30 companies. The data analysis technique used is multiple linear regression panel data with a cross section consisting of 6 companies and time series consisting of 5 years. The results of the study concluded that the model chosen was fixed effect. Based on estimation results using fixed effect regression, the regression equation HS = 4.143621 + 0.732500 (DER) + 0.711684 (NPM) + 1.210972 is obtained. Based on the partial test DER has a positive effect on stock price variables. NPM has a positive effect on stock prices. For the simultaneous test DER and NPM influence together.
Faktor-Faktor yang Mempengaruhi Return On Assets PT. Bank Rakyat Indonesia Syariah
Authors: Winda Winda , Sugianto Sugianto , Bi Rahmani Nur Ahmadi
Published: February 2022

Abstract The purpose of this study was to determine the Effect of Financing to Deposit Ratio (FDR), Third Party Funds (DPK), and Non Performing Financing (NPF) on Return on Assets (ROA) of PT. BRI Syariah. This research is motivated by the movement of ROA, FDR, DPK and NPF which experience fluctuating movements from year to year. This research method uses a quantitative approach with secondary data sources, namely PT. BRI Syariah quarterly from 2012-2019. The analysis technique used is multiple linear regression test using SPSS 15.0 analysis aids. The results of this study indicate that first, simultaneously FDR, DPK, and NPF significantly influence ROA. Second, partially FDR and DPK do not have a significant effect on ROA. Whereas third, NPF has a negative and significant effecton ROA at PT. BRI Syariah. Abstrak Tujuan penelitian ini adalah untuk mengetahui Pengaruh Financing to Deposit Ratio (FDR), Dana Pihak Ketiga (DPK), dan Non Performing Financing (NPF) terhadap Return On Assets (ROA) PT. BRI Syariah.Penelitian ini dilatarbelakangi oleh pergerakan ROA, FDR, DPK dan NPF yang mengalami pergerakan yang fluktuatifdari tahun ke tahun. Metode penelitian ini menggunakan pendekatan kuantitatif dengan sumber data sekunder, yaitu laporan neraca keuangan PT. BRI Syariah triwulan dari tahun 2012-2019. Teknik analisis yang digunakan yaitu uji regresi linear berganda dengan menggunakan alat bantu analisis SPSS 14.0.Hasil penelitian ini menunjukkan bahwa pertama, secara simultan FDR, DPK, dan NPF berpengaruh signifikan terhadapROA. Kedua, secara parsial FDR dan DPK tidak memiliki pengaruh terhadap ROA. Sedangkan ketiga, NPF berpengaruh negatif terhadap ROA pada PT. BRI Syariah.
Menakar Potensi Bank Syariah Di Indonesia Pada Masa Covid-19
Authors: Siregar Erwin Saputra , Siregar Fitri Ana
Published: February 2022

Abstract Economic growth is an indicator used to see the success of development. Sharia economy is expected to be a solution.The purpose of research is to examine and explain the potential extent of Islamic banks in Indonesia.This research is library research, which is a series of activities relating to the methods of collecting library data, reading, taking notes and processing research materials. This study used a qualitative approach. The results of this study, the potential of existing Islamic banks can be optimized with third party funds and number of offices, which are variables that can increase the market share of Islamic banks in Indonesia. A simple and fast government policy to boost the market share of Islamic banks with the establishment of a Sharia BUMN Bank. The number of offices in the current era is not only physical, but must be supported by the latest information technology. Abstrak Pertumbuhan ekonomi merupakan indikator yang digunakan untuk melihat keberhasilan pembangunan. Ekonomi syariah yang diharapkan menjadi solusi dari lemahnya sistem ekonomi. Tujuan penelitian ini untuk menelaah dan memaparkan sejauh mana potensi bank syariah di Indonesia serta melihat peluang pembangunan ekonomi pada masa yang akan datang. Jenis penelitian ini adalah library research, yaitu serangkaian kegiatan yang berkenaan dengan metode pengumpulan data pustaka, membaca, dan mencatat serta mengolah bahan penelitian. Penelitian ini menggunakan pendekatan kualitatif. Hasil penelitian ini potensi bank syariah yang ada dapat dioptimalkan dengan dana pihak ketiga dan jumlah kantor yang merupakan variabel yang bisa menaikkan market share bank syariah di Indonesia. Kebijakan pemerintah yang sederhana dan cepat untuk mendongkrak market share bank syariah dengan berdirinya Bank BUMN Syariah. Jumlah kantor di era sekarang bukan hanya berbentuk fisik, tetapi harus didukung dengan teknologi informasi yang paling mutakhir. Jumlah kantor sangat bergantung pada aset yang dimiliki bank syariah.
Pengaruh Kebijakan Struktur Modal terhadap Kinerja Emiten Syariah di Jakarta Islamic Index
Authors: Arif Muhammad
Published: February 2022

Penelitian ini bertujuan untuk menganalisis kebijakan struktur modal terhadap kinerja emiten di Jakarta Islamic Index (JII). Struktur modal pada emiten penerbit saham syariah berbeda dengan emiten non syariah karena adanya pembatasan utang berbasis bunga terhadap aset perusahaan yang diterapkan saat screening saham syariah. Metode yang digunakan adalah kuantitatif deskriptif verifikatif melalui pendekatan Partial Least Square (PLS). Populasi penelitian adalah seluruh emiten yang terdaftar di JII periode 2014 s.d 2018. Sampel yang digunakan adalah emiten yang konsisten terdaftar pada JII. Hasil penelitian membuktikan bahwa struktur modal yang digunakan oleh emiten syariah di JII memiliki pengaruh positif sebesar 52.1%. Hasil ini membuktikan bahwa emiten syariah di JII boleh mempergunakan komponen struktur modal yaitu utang dengan syarat harus dapat mendorong kinerja perusahaan dan bilamana utang yang digunakan hanya sebagai komponen pendorong nilai perusahaan (harga saham) tanpa dibuktikan dengan kinerja maka hasil yang didapatkan akan berdampak negative, hasil ini sesuai dengan trade off theory.   Abstract This study aims to analyze the capital structure policy on the performance of issuers listed on the Jakarta Islamic Index (JII). The capital structure of Islamic stock issuers has different from non-Islamic issuers due to interest-based debt restrictions on company assets applied at the screening of Islamic stocks. The method used in this research is quantitative descriptive verification, which is analyzed the Partial Least Square (PLS). The population is all issuers registered in the JII for the period 2014 to 2018. The sample used that are consistently listed on the JII. The results study prove that the capital structure used by Islamic issuers in the JII has a positive effect of 52.1%. The results of this study prove that Islamic issuers in the JII may use the capital structure component, namely debt on the condition that it is able to encourage company performance and if debt is used only as a driving component of firm value (stock price) without being proven by performance, the results obtained will have a negative impact, this study are in accordance with the trade off theory.
Atribut Produk Tabungan Bank Syariah Dan Pengaruhnya Pada Minat Nasabah Menabung
Authors: Ismaulina Ismaulina , Tasya Agus Ana
Published: February 2022

Abstrak Minat nasabah menabung sangat ditentukan oleh atribut produk perbankan yang tersedia.Tujuan penelitian ini untuk mengetahui bagaimana atribut produk tabungan perbankan syariah Bank Aceh Syariah KCP Sampoiniet mempengaruhi minat nasabah menabung. Metode yang digunakan dengan pendekatan kuantitatif dan objek penelitiannya  adalah atribut produk tabungan dan minat nasabah menabung. Sampel terdiri dari 43 orang nasabah yang di ambil secara random.Data diperoleh melalui penyebaran kuesioner (angket) serta dokumentasi.Teknis analisis data melalui uji validiitas, reliabilitas, dan normalitas. Hasil penelitian menunjukkan bahwa atribut produk tabungan  Bank Aceh Syariah KCP Sampoiniet telah dilakukan dengan baik terlihat dari uji statistiknya yang signifikan. Hal ini di tunjukan dengan besarnya nilai thitung dengan ttabel (2.6391.68288).    Abstract Customers' interest in saving is largely determined by the attributes of available banking products. The purpose of this research is to find out how the attributes of Islamic banking savings products at Bank Aceh Syariah KCP Sampoiniet affect customers' interest in saving. The method used is a quantitative approach and the object of research is the attributes of savings products and customer interest in saving. The sample consisted of 43 customers who were taken randomly. Data obtained through distributing questionnaires (questionnaires) and documentation. The technique of analyzing the data was through the validity, reliability and normality tests. The results showed that the attributes of the Bank Aceh Syariah KCP Sampoiniet savings product have been performed well as seen from the significant statistical test. This is indicated by the value of tcount with t-table (2.639 1.68288).
Pengaruh Marketing Mix Terhadap Keputusan Nasabah Menabung dengan Religiusitas sebagai Variabel Moderasi
Authors: Sari Cyntia Novita , Ratno Fernaldi Anggadha
Published: February 2022

AbstractThis study aims to measure and analyze the effect of the marketing mix (product, place, price, promotion, process, people and physical evidence) on customer decisions to save at BRI Syariah KC Semarang and the influence of religiosity in moderating the effect of marketing mix on customer decisions to save in BRI Syariah KC Semarang. Based on the results of the study it can be concluded that the first marketing mix (product, place, price, promotion, process, people and physical evidence) has a significant positive effect on customer decisions to save, secondly religiosity moderates the effect of marketing mix on customer decisions to save and third there is a significant positive effect. simultaneous between the marketing mix and the customer's decision to save.  AbstrakPenelitian ini bertujuan untuk mengukur dan menganalisa pengaruh marketing mix (produk, tempat, harga, promosi, proses, orang dan bukti fisik) berpengaruh terhadap keputusan nasabah menabung di BRI Syariah KC Semarang serta pengaruh religiusitas dalam dalam memoderasi pengaruh marketing mix terhadap keputusan nasabah menabung di BRI Syariah KC Semarang. Berdasarkan hasil penelitian dapat disimpulkan bahwa pertama marketing mix (produk, tempat, harga, promosi, proses, orang dan bukti fisik) berpengaruh positif signifikan terhadap keputusan nasabah menabung, kedua religiusitas memoderasi pengaruh marketing mix terhadap keputusan nasabah menabung dan ketiga terdapat pengaruh yang positif signifikan simultan antara marketing mix terhadap keputusan nasabah menabung.
Sharia Venture Capital As Alternative Capital For MSMEs In Indonesia
Authors: Hasan Asyari , Nurkholifah Mia , Mujadid Raihan , Agustian Fadli
Published: February 2022

Abstract This study aims to find out how the role or exsitence of Sharia venture capital as an alternative financial institution that provides capital assistance for MSMEs actors in Indonesia. This research is a type of research using qualitative methods with information and data collection techniques through library research and secondary data sources. The results show that the existence of the role of Sharia venture capital as an alternative capital for MSMEs has succeeded in helping MSMEs not only in terms of strengthening capital but also in terms of HR management, with management assistance, increasing product distribution efficiency by utilizing marketing technology and increasing the ability to earn profits. So that the existence of Sharia venture capital becomes an alternative financing for MSMEs in Indonesia. The benefits obtained by MSMEs from sharia venture capital financing are supported by the role of sharia venture capital companies, which of course cannot be obtained from banking institutions.
Pendekatan Antropologis dalam Studi Islam
Authors: Harahap Asriana , Kahpi Mhd. Latip
Published: February 2022

Anthropology is the science of humans, especially about the origin, various colors of physical form, customs, and beliefs in the past. Epithemologically, anthropology studies various things about humans empirically in their relationship as biological beings and as social beings (in the sense of living in society). The method that is more appropriate with the anthropological approach is the holistic method. This means that seeing a social phenomenon must be examined in the context of the totality of the studied community culture. Meanwhile, the most appropriate data collection techniques are involved observation (observation) and in-depth interviews, that is, directly mingling in the community being studied.
Pendidikan Karakter dalam Keluarga Single Parent di Desa Talang Belido
Authors: Rafii Muhammad , Mastikawati Mastikawati , Tumatul Ainin Dewi , Nopita Sari Nori , Nazoma Nazoma , Zulkifli Zulkifli
Published: February 2022

Character education is so important with the consideration that the digital generation is increasingly displaying behavior in the real world and the virtual world unnaturally. It is worth exploring how a family educates children in their life or family environment. However, what is of concern in this article is character education in single parent families in Talang Belido Village. By utilizing primary and secondary data, obtained from observations and interviews as well as documentation, the researcher attempted to collect relevant data related to the topic of this research. Data were analyzed following data reduction techniques, data display, and data verification to draw conclusions. This article draws the conclusion that character education in single parent families gets great attention for the head of the family. Even though they realize they have no knowledge, experience and are able to give advice to their children. Character values that are often conveyed are honesty, religious and respect for others. However, it is also known that the obstacles experienced by single parent families are the influence of the children's playing or socializing environment, the educational background of the parents, and the availability of insufficient time to fully interact with their children
Model Pembelajaran Cooperative Integrated Reading and Composition based on Flipped Classroom Learning (CIRC-b-FCL)
Authors: Jufrizal Jufrizal , Harida Eka Sustri , Syarif Hermawati , Ratmanida Ratmanida , Lubis Rayendriani Fahmei
Published: February 2022

This study aims to determine the students’ attitude in learning reading comprehension at English Program IAIN Padangsidimpuan by using CIRC-b-FCL model. The research was done by using quantitative study by using questionnaires as the instrument. The data were analysed statistically. The students’ attitude was seen from the students’ cognitive, affective, and psycho-motoric result (Ahmadi, 2007). By the result, it was seen that the students’ attitude is better by using this model, it was seen by the result of cognitive (81.83) and psychomotor  (82) are very good, and the effective attitude (77.08) was good. So, it can be concluded that the CIRC-b-FCL can be used for the students’ attitude in learning reading comprehension.
EMPOWERMENT OF PRODUCTIVE ZAKAT FUNDS, SOLUTION FOR SMALL BUSINESS: (Evidence from Badan Amil Zakat Nasional Central Borneo)
Authors: Hafizi Muhammad Riza , Halipah Nor
Published: February 2022

BAZNAS of Palangka Raya is a zakat management institution that is tasked with collecting, distributing and utilizing zakat. This study aims to analyze the optimization of productive zakat utilization in economic empowerment of mustahik, analysis of the benefits of productive zakat in improving the standard of life of mustahik, and analysis of the constraints that BAZNAS feels in optimizing productive zakat.This research is a qualitative type of research using a descriptive qualitative approach. The research subjects were four productive zakat managers and ten informants from mustahik who received revolving fund loan assistance. This research resulted in conclusions, namely, first, the optimization of zakat utilization in the framework of empowering the mustahik in BAZNAS of Palangka Raya through the Palangka Raya Sejahtera program has not been carried out optimally, due to the absence of supervision, assistance and guidance from BAZNAS so that there mustahik who misuse these funds. Second, the benefits of this program are very helpful in the economic empowerment of mustahik with an increase in business results, a network, an increase in family income, and independence. Third, the obstacles that are often felt by BAZNAS in optimizing them are the lack of human resources in management and in the field, the provision of business capital that is misused by mustahik, the lack of trust of muzaki in institutions, and the large number of ZIS collecting organizations besides BAZNAS.
ANALYSIS OF IMPLEMENTATION OF SHARIA INSURANCE FOR THE AGRICULTURE SECTOR
Authors: Wulandari Ries Wulandari , Abdullah Nurhuda
Published: February 2022

The allocation of financing for agricultural sector in Islamic Banking Institution is low compare to the other sector.  The risk of high uncertainty, which includes the level of damage to farms and the level of crop failure, become the financing risk consideration for the banking.  Rice farm insurance can be an alternative to mitigate this risk so Islamic the banking will have partner to share the risk. The insurance practice for agricultural sector has been initiated by the Ministry of Agriculture. But there are still some limitation due to the insurance inclusion and shariah compliance issues. This research provide proposal the implementation of shariah agricultural insurance with Analytical Network Methodology (ANP).  The objectives of this study are 1) analyze the benefit, opportunity, cost, and risk of the implementation of Islamic agricultural insurance and 2) find the most important aspect due to the shariah agricultural insurance implementation. The research found that the most important aspect is opportunity. This insurance will give opportunity to the farmer by provide protection for the crop from the risk of harvest failure with shariah compliance and using shariah banking.  The shariah scheme will help the government increasing the insurance inclusion. This scheme will benefit the farmer due to the increasing of crop insurance awareness. The requirement of this implementation comes from the cost aspect, namely legal aspect. And the risk will rise from the moral hazard as fraud claim.  The results of this study indicate that the implementation of shariah insurance for the agricultural sector has opportunities and benefits, but there are still some notes to be addressed. This shariah insurance together with Islamic banking and the sustainability of agricultural sector.
IMPLEMENTATION OF GOOD GOVERNANCE BUSINESS SHARIA (GGBS) IN ISLAMIC BANKING IN INDONESIA
Authors: Moertiono R. Juli , Syahbudi Muhammad , Siregar Saparuddin
Published: February 2022

In the development of Sharia banking with the merger of several Sharia Banks to become Bank Indonesia Shariah (BIS), is hoped that it can progress very rapidly, as is the case of Islamic banking in Indonesia which has grown significantly. The development of Sharia banking must be accompanied by good governance so that it is not only a tag line for Islamic financial institutions. The Standard Operating Procedure of Islamic banking must be carried out properly based on Sharia principles. Therefore, Bank Indonesia issued Bank Indonesia Regulation No. 11/33/ PBI 2009 concerning the Implementation of Sharia Business Governance (GGBS) for Sharia Commercial Banks (BUS/ Bank Umum Syariah) and Sharia Business Units (UUS/ Unit Usaha Syariah). The five principles are: Transparency, Accountability, Responsibility, Professionalism and Fairness or equality. GGBS is a banking management system designed to improve compliance with the prevailing moral ethics laws and regulations. According to Chapra, the implementation of Good Corporate Governance is a requirement for Sharia Banks to develop properly and in accordance with Sharia compliance. The implementation of GGBS in Sharia banking is expected to create a business that is healthy, conducive, transparent and efficient and a blessing.
STRENGTHENING ISLAMIC BANKING SERVICES IN INDONESIA THROUGH BLOCKCHAIN TECHNOLOGY: THE ANP- STEP APPROACH
Authors: Rahmayati Rahmayati
Published: February 2022

The purpose of this research is to examine so that financial services in Islamic banking are strong through digitization of blockchain applications that provide benefits to Islamic financial technology (fintech), through aspects of Security, Transparency, Efficiency, Permanent (STEP). The research data were obtained from in-depth interviews and then completed questionnaires from respondents who had been determined by using purposive sampling technique. The data analysis of this study used the Analytical Network Process (ANP) method with Super Decision software through the STEP aspect. The results show that the blockchain technology adopted by Islamic banking in Indonesia can strengthen financial services by using the STEP aspect, which is an integral part of facilitating the process, access, and proving the role of blockchain in Islamic banking business products.
Hubungan Kepatuhan dan Kualitas Hidup Pasien HIV/AIDS di Kota Samarinda
Authors: Rahmawati Dewi , Fadraersada Jaka , Oktavianir Rani
Published: February 2022

Adherence to taking antiretroviral drugs is very important to prevent HIV replication in the body. Compliance with taking medication can improve the quality of life of HIV/AIDS patients. This study aims to determine the and quality of life HIV/AIDS patients and the relationship between adherence with the quality of life of HIV/AIDS patients in Samarinda City. The method used in this study was observational with prospectively used quantitative descriptive analysis to explain the adherence and quality of life of HIV/AIDS patients while for the relationship of adherence and quality of life of HIV/AIDS patients using non-parametric statistics with the wilcoxon test. The results showed that Compliance in HIV patients in Abdul Wahab Sjahranie Hospital are moderate compliance and in some puskesmas are low compliance. The quality of life of HIV/AIDS patients in Abdul Wahab Sjahranie Hospital are adequate quality of life and in some puskesmas the quality of life varies. The relationship of adherence with the quality of life of HIV/AIDS patients in Abdul Wahab Sjahranie Hospital and several puskesmas has a p ? 0,05 or can indicate no relationship between adherence with quality of life.
Autologous Platelet-rich Plasma vs Conventional Dressing in the Management of Chronic Diabetic Foot Ulcers
Authors: Orban Yasser , Soliman Mahmoud , Hegab Yasmine , Alkilany Mohamed
Published: February 2022

Introduction. Diabetic foot ulcers (DFUs) are a major complication of diabetes. Recently, considerable progress has been achieved in techniques that promote wound healing. Autologous platelet-rich plasma (PRP) is one such technique that is gaining popularity. Platelet-rich plasma is thought to stimulate wound healing by releasing growth factors essential for healing. Objective. This research aimed to study the efficacy of PRP in managing chronic DFUs. Materials and Methods. Seventy-two patients with chronic DFUs were equally divided into 2 groups. The first group was treated with activated PRP injection and gel on the surface of the ulcer, and the second group was treated with conventional dressing using normal saline to irrigate the wound, followed by coverage with petrolatum gauze and sterile dressing. Results. Both methods of treatment improved healing, but there was a significant increase in healing rate among the PRP group compared with the conventional dressing group (31/36 patients [86.11%] vs 23/36 patients [63.89%]; P =.029). Additionally, the healing duration was shorter in the PRP group than in the conventional dressing group (10.90 weeks ± 3.40 standard deviation vs 13.48 weeks ± 3.37, respectively; P =.01). Conclusions. The use of autologous PRP results in a higher rate of wound healing in less time compared with conventional wound care in managing DFUs. Platelet-rich plasma is an effective and promising treatment for chronic DFUs; PRP enables healing in less time. This is expected to positively affect the individual’s performance and minimize long-term health care expenditure on foot ulcers.
Using Augmented Reality to Improve Patient Outcomes With Negative Pressure Wound Therapy
Authors: Hill Richard
Published: February 2022

Introduction. Augmented reality (AR) is a burgeoning digital technology that is finding more frequent use in health care. The benefits of AR, such as hands-free imaging and remote viewing, make this a tool particularly suited to wound care. To the author’s knowledge, no attempts have been made to leverage this technology in a way that might improve patient outcomes. Similarly, few studies on remote wound consultation focus on the inpatient setting. Objective. This study demonstrated the use of AR to improve the outcome of patients undergoing negative pressure wound therapy. Materials and Methods. A case-control study of 27 patients treated in a rural Louisiana hospital was performed. A retrospective control group (n = 15) was identified and compared with similar cases (n = 12) that used AR by the bedside nursing staff and an offsite certified wound care clinician. Results. At univariate analysis, the treatment group was found to have fewer unintended surgical revisions (P =.002), fewer interruptions in therapy time (P =.01), and fewer readmissions related to wound infection (P =.004) compared with the control group. Correlational testing was performed and showed a significant correlation between the number of dressings performed and the number of complications that arose (0.71) as well as between premature dressing removals and number of readmissions related to infection (0.74). Conclusions. The results of this study, although preliminary, show how AR can be used in the acute care setting to positively influence outcomes of patients undergoing wound care. Further testing is necessary to replicate these findings and assess the use of AR with other advanced modalities or for other indications in the acute care setting.
Impact of Protein Source and Its Levels on Egg Production and Egg Quality of Japanese Quail (Coturnix coturnix japonica)
Authors: Salih Jameela H. , Mohammed Dejeen A. , Hussen Shekhmous H.
Published: February 2022

Fish and soybean meal are known as common utilized crude protein sources in poultry diets. Quail birds often need higher requirements of dietary protein which influences its productive performance. The aim of the experiment is to determine the impact of protein source with different levels on egg production and egg quality characteristics. The experiment was carried out at animal production dept., University of Duhok, Kurdistan Region- Iraq, during spring 2020 for 56 days. The birds were divided into two main groups (fish meal and soybean meal) with three levels of crude protein (CP) as sub groups (20%, 23% and 26%). At 35 days of age, 240 quails were sexed and distributed on wire cages as four replications for each protein level within each group (treatment) as family (8 pullets with 2 cocks). The investigated characters were; Egg weight (EW), egg number (EN), egg mass (EM), egg quality characteristics (shape index, high, weight and diameter of both, yolk and albumen, egg shell thickness and weight and Haugh units); feed intake (FI), feed conversion ratio (FCR), hatchability and fertility percentage. The main results were as follows; EW, EM and most of egg quality characteristics did not show significant difference (P>0.05) either by source of protein or its levels; also, FI and FCR did not differ significantly (P>0.05) by the effect of protein source; while EN, FI and FCR were affected significantly (P≤0.05) by CP level. To conclude, there was no obvious trend for the effect of both CP source and level on early egg yield and egg quality in J. quail.
Evaluation of the Rocks of The Pila Spi Formation of Duhok Anticline For Building Stones – Kurdistan Region Of Iraq
Authors: Khalid Ameer H.
Published: February 2022

The rocks of the Pila Spi Formation at the southern limb of the Duhok anticline have been evaluated for use as building stones. The geology of the area and examined rocks are described. Nine samples were collected and tested for physico-mechanical properties (total porosity, water absorption, saturation coefficient, apparent specific gravity, bulk density and uniaxial compressive strength). There was a remarkable variation between the samples in these properties, which showed very high significant relationships with each other. Samples were classified as frost-resistant. According to the Iraqi and American Standards, four samples were categorized as (low density/acceptable), three samples as (moderate density/recommended) and two samples as (high density/highly recommended). According to some classifications, the samples were (moderately strong) except for two of them were (strong), while all of them were (moderately strong) and (high strength rocks) in other classifications. The examined rocks are suitable for interior and exterior wall cladding and exterior fencing, as well as for decoration. Four of them are not suitable for building sections that require high load bearing or in places where they come into contact with water or soil, such as foundations, while only two samples are suitable. The quality and quantity of the rocks and the quarrying conditions encourage their exploitation for building stones, with the necessity of proper planning of the proposed quarry and special treatment during quarrying.
Image Splicing Detection Scheme Using Surf and Mean-LBP Based Morphological Operations
Authors: Alsandi Nashat S. A.
Published: February 2022

Tampering with images and changing them without giving any evidence has become very popular because of the presence of an enormous degree of intense altering device. The image forensics technique has grown popular for deciding whether a picture has been changed with a copy-move, splicing, or different forgery techniques. This paper present’s a novel passive image splicing forgery detection technique which includes three steps. Firstly, extracting an interest region (ROI) by using SURF descriptor (Speed up Robust Transform) Points is concerned based on the morphological procedure. Secondly, the Extraction of Mean-LBP (Mean Local Binary Pattern) Highlights on ROI is carried out. Lastly, a Classification of Mean- LBP characteristics is done with the SVM classifier. This novel method has shown the best outcome as SVM is used for classification. As well as it has shown a higher accuracy on the standard three datasets CASIA TIDE V1.0, CASIA TIDE V2.0, and Columbia University, revealed that current method has achieved higher accuracy of 97.9%, 98.2%, and 98.9% respectively. Finally, in terms of accuracy, the proposed SFD scheme outperformed the best recent works in this area.
Bitcoin Ransomware Detection Employing Rule-Based Algorithms
Authors: Talabani Hardi Sabah , Abdulhadi Hezha M.TAREQ
Published: February 2022

Cryptocurrencies have completely altered the digital transaction process all over the globe. Almost a decade after Satoshi Nakamoto generated the first Bitcoin block; many cryptocurrencies have been established. The Ransomware attack is a type of cybercrime and a class of malware that encrypts the files and prevents users from accessing their data or systems and demands payment for decrypting and retrieving access to their files. Ransomware data classification using present data mining and machine learning methods is difficult because predictions aren't always correct. We aim to build two models that effectively address these challenges and can diagnose and classify Ransomware attacks accurately, then compare the performance of the models. In this paper, we investigated the use of Rule-Based algorithms for mining Bitcoin Ransomware Data to classify Ransomware attacks in Bitcoin transactions. Employing Rule-Based techniques in detecting Bitcoin data is beneficial because the algorithms effectively classify non-linear datasets. The analysis was done on a Bitcoin dataset for 61,004 addresses selected from 29 Ransomware families and contained ten descriptive and decision attributes. Both Rule-Based algorithms were illustrated and compared on the dataset employing 10-fold cross-validation. Experimental results show that classification under partial decision tree (PART) algorithm performed better in different metrics than the Decision Table algorithm. It provides an accuracy of 96.01%, a recall of 96%, a precision of 95.9%, and an F-Measure of 95.6%. Experimental results propose that it is beneficial to further investigate the application of PART to predictive modelling tasks in Ransomware studies.
Dimethyl Sulfoxide: A Polymerization Solvent and A Gel Permeation Chromatography Eluent for Imidazole-Functionalized Poly(Methacrylamides) Able to bind DNA
Authors: Lejnieks Jānis , Wang Yiran , Cooper Bailey M.
Published: February 2022

The scalable synthesis of the first example of poly(methacrylamide) class homopolymer with a spacer linked 1H-imidazol-1-yl pendants via free radical polymerization in DMSO which served as a polymerization solvent and gel permeation chromatography eluent has been reported. The synthesized polymeric construct demonstrated noticeably robust binding to DNA, thus establishing a basis for this polymer to be further tested for biological utilization such as in-vivo nucleic-acid delivery or ex-vivo sample purification.
Chiral Organocopper Electrocatalyst-Enabled Oxidative Kinetic Resolution of Primary Alcohols
Authors: Gao Pei-Sen , Liu Hui-Lin , He You-Liang , Jiao Ke-Jin , Ma Cong , Mei Tian-Sheng
Published: February 2022

Asymmetric electrocatalysis is poised to provide a unique avenue for access to enantioenriched molecules that are difficult to obtain through more conventional approaches, but the development of efficient electrocatalysts capable of highly enantioselective transformations remains elusive. Towards this enviable end, bifunctional electrocatalyst capable of both redox mediation and delivery of high stereocontrol is needed. Here we disclose a novel TEMPO-BOX-ligated copper electrocatalyst that enables oxidative kinetic resolution of racemic 1,4-diols, affording diverse chiral 1,4-diols and γ-lactones with good or excellent chemo-, regio, and enantioselectivity. We also show that this cooperative Cu/TEMPO-BOX catalytic strategy is applicable to the electro-oxidative kinetic resolution of 1,2- and 1,3-amino alcohols. This work demonstrates the potential of bifunctional electrocatalysis for asymmetric synthetic methods and we anticipate that it will spur the development of new hybrid electrocatalysts to realize novel asymmetric electrocatalytic methods.
Computational Study of Paxlovid in Ligand GA
Authors: Chalmers Gordon
Published: February 2022

Ligand GA is used to generate potentially realistic inhibitors of the 3CL protease of the SARS-Cov-2 virus by starting with the Nirmatrelvir molecule and changing it. After post-processing of the molecules using an extensive set of docking parameters, several of the molecules are selected and presented in detail that have good inhibition and metabolic activity, and binding increased to Mpro, while small change occurred in the binding to the liver enzyme CYP 3A4. This is a computational study of realistic potential inhibitors of the SARS-Cov-2 main protease found by using this software, with multiple results of which some are highlighted in particular. Of note is that these molecules may not require a CYP liver enzyme inhibitor such as Ritonavir in practical application.
Editorial
Authors: Ntakirutimana Jean
Published: February 2022

Editorial
Physicochemical and functional properties of yoghurt made of cow milk,
colostrum, and milk-colostrum combination
Authors: Arkan N.D. , Setyawardani T. , Rahardjo A.H.D.
Published: February 2022

Yoghurt made from milk, colostrum and their combination are one of the innovations in
product development. Colostrum is rich in nutrients that can be used as a functional food
ingredient. This study aimed to analyze the physicochemical properties (colour, total
solids, and fatty acids) and functional properties (antioxidant activity and fatty acid
profile) of yoghurt made of additional colostrum. Colostrum is rich in nutrients for
functional food ingredients. A total of six treatments of yoghurt made with milk-colostrum
mixture (100:0%, 80:20%, 60:40%, 40:60%, 20:80% and 0:100%) added. Each treatment
was repeated four times, and data obtained were analyzed with the Analysis of Variance,
followed by the Duncan test using SPSS ver 25 programs. Colostrum incorporated into
yoghurt making could increase the yellow colour and the percentage of lactic acid. The
research conclusion is the use of colostrum in making yoghurt can increase the yellow
colour and the percentage of lactic acid. The highest antioxidant activity was observed in
the production of yoghurt from the milk-colostrum mixture (20:80%). Yoghurt made of
100% colostrum could increase oleic acid but decrease palmitic acid and myristic acid.
O CÓDIGO DE PROCESSO CIVIL DE 2015 E A TEORIA DA AÇÃO COMUNICATIVA DE JURGEN HABERMAS
Authors: Benvenhu Ricardo , Bellinetti Luiz Fernando
Published: February 2022

O presente trabalho teve por objetivo analisar o fenômeno da constitucionalização do processo a partir da vigência do Código de Processo Civil de 2015, mais adequado aos ideais de justiça, efetividade e pacificação social. Os institutos idealizados no diploma processual representam a concretização dos direitos fundamentais tutelados pelo Estado Democrático de Direito. Pretende-se estabelecer um paralelo entre a ideologia adotada pelo CPC e a teoria da ação comunicativa, criada por Jürgen Habermas, que semelhante aos propósitos de colaboração e participação democrática, utiliza a linguagem para alcançar o consenso. Adotou-se o método dedutivo com base em pesquisa de legislação e doutrina.