Publication Search

80,083 articles from 753 journals · 2,111 citations tracked

Showing 1-20 of 124

Analytics

Astuti Jamilatul Nimah; Arina Haq; Edi Swasana

Jurnal Pengembangan IPTeks Seni Kuliner, Tata Rias, dan Desain Mode 2026 Akademi Kesejahteraan Sosial Ibu Kartini Semarang

The fashion industry produces large amounts of textile waste, necessitating sustainable design solutions such as zero-waste fashion design. This study examines the application of zero-waste fashion using the fabric manipulation tucking technique to ready-to-wear clothing. The objective of this study is to determine how the tucking technique can be applied to zero-waste pattern design to produce efficient and aesthetically pleasing clothing. The research method used is Research and Development (R&D) with the ADDIE development model.The research results include five stages: In the analysis stage, the author examines the concepts of zero waste, the tucking technique, and ready-to-wear clothing. In the design phase, two zero-waste pattern concepts with variations of tucking were created as trials. Development was carried out through design validation and revisions based on expert input. Implementation was carried out with product production based on the refined final design. Finally, evaluation was carried out through product validation and final revisions until the product was finished. The results show that zero-waste design using the tucking technique can be implemented systematically, reducing waste and enhancing product uniqueness.Recommendations in this study highlight the importance of tucking stitch direction, accurate placement of zero-waste patterns, and the use of excess fabric as an additional tucking accent to reduce looseness and optimize fabric usage. Selection of appropriate fabrics to support the aesthetic results and effectiveness of the Tucking technique in ready-to-wear fashion products.

Lucky Antonio; Edward Nimit Abraham

REDOMINATE : Jurnal Teologi dan Pendidikan Agama Kristiani 2026 Sekolah Tinggi Teologia Kerusso Indonesia

This study aims to analyze the role of kenotic Christology as a theological foundation for spiritual formation and non-dominative leadership in undergraduate theological education at STT Kerusso Indonesia. A quantitative survey design was employed, involving 26 students as respondents through a Likert-scale questionnaire. The results indicate that all measured variables are in the high category, with mean scores for kenotic Christology ranging from 4.10 to 4.30, spiritual formation at approximately 4.20, and non-dominative leadership at approximately 4.25. Correlation analysis shows strong positive relationships between kenotic Christology and spiritual formation (r≈0.65), as well as between spiritual formation and leadership (r≈0.70). Regression analysis further reveals a significant simultaneous contribution of 55%, indicating that the variables collectively support the formation of servant-oriented leadership. These findings confirm that kenotic Christology functions as a meaningful theological foundation in shaping spiritual habits, humility, self-emptying attitudes, and leadership practices that avoid domination. The study concludes that theological education should intentionally integrate kenotic values to strengthen spiritual maturity and servant leadership among future church leaders within academic communities that prepare students for humble ministry in diverse ecclesial contexts.

I Putu Suyasa Adi Putra; Gek Diah Desi Sentana; I Putu Suweka Oka Sugiharta

Jurnal Riset Rumpun Ilmu Bahasa 2026 Pusat riset dan Inovasi Nasional

This study aims to describe the intrinsic structure and analyze the psychological aspects of the main characters in the three short stories based on Sigmund Freud's psychoanalytic theory. The research uses a qualitative approach with descriptive methods. Data sources are texts from three satua cutet in the Nimbang Rasa anthology: I Kucil by I Komang Tri Nanda Defhayana, Idup Lara by Ni Wayan Esa Juliantini, and Pajalan Keneh by Ni Putu Ayu Ari Astiti. Results show that the intrinsic structure of all three stories employs a linear plot, with themes of diligence, perseverance, and courage. Psychological analysis based on Freud's id, ego, and superego theory reveals that I Kucil is dominated by id impulses in the form of aggressive emotion due to injustice; Ani demonstrates a strong ego in withstanding social pressure and a firm superego in upholding moral values; while Gékyu shows a balance between ego and superego when facing abuse from a teacher. This research is expected to serve as a reference in Balinese literary studies, particularly in the field of literary psychology.

Nimas Sulistianingsih; Esti Widiyaningsih; Ruwiyati Ruwiyati

jurnal Riset Rumpun Agama dan Filsafat 2026 Pusat Riset dan Inovasi Nasional

The phenomenon of language globalization has brought a significant influence on the communication patterns and cultural identity of Generation Z, including those who adhere to indigenous belief systems. The global trend that emphasizes the dominance of foreign languages often leads to a decline in appreciation for local languages and the spiritual values embedded within them. This article aims to examine the role of multilingual literacy as a means of strengthening the spirituality of Generation Z adherents of indigenous beliefs in facing the challenges of language globalization. The research method used is a literature study by reviewing various theoretical sources and relevant research findings from the past five years. The results indicate that multilingual literacy not only enhances cross-cultural communication skills but also strengthens the spiritual awareness and cultural identity of Generation Z through the preservation of local languages and the interpretation of local values in a modern context. Therefore, multilingual literacy can serve as an effective strategy for developing a generation that is religious, has strong character, and remains rooted in its traditional beliefs amidst the rapid flow of globalization.

Nimrod Renda Dadi; Stefanus D.I. Mau; Alexander Adis

Modem : Jurnal Informatika dan Sains Teknologi 2026 Asosiasi Profesi Telekomunikasi Dan Informatika Indonesia

The management of village development program archives plays a vital role in supporting effective, transparent, and accountable village governance. However, in many villages, including Kalembu KanaiKa Village in Wewewa Barat District, archive management is still conducted conventionally without the support of a structured information system. This condition creates several challenges, such as difficulties in accessing data, low administrative efficiency, and weak documentation and accountability of village development activities. Therefore, this study aims to examine the development of an information system for managing village development program archives based on local conditions and needs. The research seeks to identify the actual condition of archive management, analyze constraints faced by village officials, and formulate directions for developing an appropriate archive management information system in Kalembu KanaiKa Village. This study employed a qualitative method with a case study approach. Data were collected through in-depth interviews, observations, and document analysis involving village officials responsible for archive management and development program implementation. The results reveal that archive management has not been optimal due to limited human resources, inadequate facilities, and minimal use of information technology. Despite these limitations, village officials show readiness and willingness to adopt a simple and user-friendly archive management information system tailored to the village’s social and institutional capacity. These findings indicate that the development of archive information systems requires not only technical solutions but also attention to social, institutional, and capacity-building aspects.

Silfi Oktariyani; Fauzia Nurul Fitri

Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study to analyze the effect of Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), and Net Interest Margin (NIM) on Return on Assets (ROA) with Operating Expenses to Operating Income (BOPO) as an intervening variable at PT Bank Rakyat Indonesia (Perser) Tbk. This research employs a quantitative approach using secondary data obtained from the annual financial statements of Bank BRI for the period 2015-2024. The data analysis method used in this study is Structural Equation Modeling (SEM) based on Partial Least Squares (PLS), which allows the examination of both direct and indirect relationship among variables in the research model. The independent variables consist of NPL, CAR, and NIM, the intervening variable is BOPO and the dependent variable is ROA. The results indicate that NPL has a positive effect on BOPO, suggesting that higher credit risk leads to increased operational costs. CAR and NIM have a negative effect on BOPO, indicating that adequate capital and effective interest income management improve operational efficiency contributes to increased bank profitability. The findings also confirm that BOPO mediates the relationship between NPL, CAR, and NIM on ROA. This study is expected to contribute to the academic literature on banking financial management and provide practical insights for bank management in enhancing operational efficiency and sustainable profitability.

Erysa Nimastuti; Sri Roekminiati; Ika Devy Pramudiana; Sapto Pramono

SOSIAL: Jurnal Ilmiah Pendidikan IPS 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

The acceleration of stunting reduction in Ponorogo Regency faces challenges regarding the complexity of the issue and regional fiscal constraints, necessitating strategic cross-sectoral collaboration. This study aims to evaluate the synergy of Bank BCA's Corporate Social Responsibility (CSR) program through the "Bakti BCA" scheme in supporting local government policies related to specific and sensitive nutrition interventions. This research employs a qualitative approach with a case study design. Data collection was conducted through in-depth interviews with key informants from Bank BCA Ponorogo management, Bappeda, the Health Office, and beneficiary families, complemented by participatory observation and a review of the Regional Action Plan (RAD) documents. Data analysis was performed interactively by integrating the Collaborative Governance framework from Ansell and Gash, William N. Dunn's six policy evaluation criteria, and Mark Moore's Public Value concept to analyze the dynamics of cooperation and program performance achievements. The results indicate that the established synergy meets the criteria of appropriateness and effectiveness, where CSR interventions successfully bridged the gap in sanitation services and nutritional fulfillment in stunting locus villages uncovered by the regional budget (APBD). This collaboration proved successful in creating public value in the form of improved physical health status of toddlers, regional budget efficiency, and high community responsiveness. It can be concluded that this strategic partnership effectively accelerates the achievement of stunting reduction targets through equitable resource distribution. This study recommends that private sector engagement be formally integrated from the development planning deliberation (Musrenbang) stage to ensure long-term impact sustainability.

Mohammad Ridho'i; Fahmi Abdul Halim; Nimas Dian Fitria; Yasinta Dwi Adinda; Aros Ta’ala

Nusantara: Jurnal Pengabdian kepada Masyarakat 2026 Pusat Riset dan Inovasi Nasional

This Community Partnership Program (PKM) aims to improve the competence of mathematics teachers at Madrasah Tsanawiyah (MTs) in Lumajang Regency in developing ethnomathematics-based teaching materials integrated with Augmented Reality (AR) technology. This program was initiated due to the minimal use of local culture in mathematics learning and the low ability of teachers to develop innovative teaching materials. The activity was carried out in four main stages: socialization, training, technology application, and mentoring and evaluation. The training included an introduction to the concept of ethnomathematics, the preparation of differentiated teaching materials, and the creation of AR-based learning media using Unity 3D, Blender, Geogebra, and Vuforia. The results of the activity showed an increase in teachers' understanding of the concept of ethnomathematics and their ability to integrate the local cultural values of Lumajang into mathematics learning. In addition, teachers successfully produced contextual AR-based interactive teaching materials in line with the spirit of the Merdeka Curriculum. This activity also strengthened collaboration between lecturers, students, and teachers of the MTs Wilker III Mathematics MGMP and became a model for continuous training in the development of innovative learning media based on local wisdom and digital technology.

Putri Suria Fridolin Sakan; Marlen Angela Daik; Nimrot Doke Para

Jurnal Riset Rumpun Ilmu Pendidikan 2026 Lembaga Pengembangan Kinerja Dosen

This study erxaminers ther influerncer of library facility and infrastructurer managermernt on studernt satisfaction at Sterlla Maris Loli Catholic Privater Junior High School. A quantitativer merthod with a correrlational approach was employed to identify the relationship between the two variables. The analysis results reveal that the management of library facilities and infrastructure falls into an unsatisfactory category, with an average student satisfaction score of 49.3%. The t-test indicates a significant positive effect (t count = 9.040) between management and satisfaction levels, where 42% of student satisfaction can be explained by library management. Additionally, factors such as procurement, storage, and maintenance exacerbate the situation. These findings emphasize the need for improvements in library management, including better planning and adequate budget allocation. By enhancing the management of facilities and infrastructure, student satisfaction is expected to increase, consequently encouraging students to be more actively engaged in visiting the library. As a rercommerndation, ther school should derverlop a stratergic managermernt plan for ther library focuserd on improving serrvicer quality and facilities.

Ridha Sarwono; Nimas Puspitasari; Dewi Kartikasari

Sinov : Media Informasi Penelitian Kabupaten Semarang 2025 Badan Perencanaan Pembangunan, Riset dan Inovasi Daerah Kabupaten Semarang

This study aims to explore the potential of decorative motifs from Gedong Songo Temple as inspiration for developing batik typical of Semarang Regency. As a Hindu cultural heritage site located on the slopes of Mount Ungaran, Gedong Songo Temple holds rich visuals and profound philosophical meanings. Using a qualitative descriptive approach, data were obtained through direct observation, in-depth interviews, and literature review. The findings indicate that visual elements such as temple architecture, reliefs, and the natural landscape around the site can be developed into distinctive and meaningful batik motifs. These motifs represent spiritual values, harmony with nature, and the local identity of the community. This innovation has great potential to become a cultural symbol while supporting the growth of the creative economy sector in Semarang Regency. The development of this batik can increase appreciation for local cultural heritage and strengthen Semarang Regency's position as a center of culture and creativity. Furthermore, the use of these motifs can open up opportunities for collaboration between artists, designers, and batik craftsmen to create high-value products in the national and international markets.

Reva Adelya Wulan Dari; Nur Aini Pusvitasari; Aulia Nur Laila; Nimas Puspitasari

Proceeding of the International Conference on Global Education and Learning 2025 Asosiasi Riset Ilmu Pendidikan Indonesia

This study aims to describe the application of deep learning based tolerance values with a pedagogical approach in supporting classroom management in grade VI of SDN Beji 01 East Ungaran. The deep learning approach is understood as a pedagogical strategy that emphasizes the cognitive, affective, and social engagement of students through meaningful learning experiences. This study uses a descriptive qualitative approach with data collection techniques in the form of semi-structured interviews, observations, and documentation. The research subjects include grade VI teachers, principals, and students with diverse social and cultural backgrounds. The results of the study show that the application of tolerance values through deep learning strategies is able to create an inclusive, safe, and conducive classroom climate. The implementation is reflected through the practice of random seating arrangements, a culture of sharing learning media, deliberation in conflict resolution, fair study timing, and strengthening mutual respect between students. These findings confirm that the integration of deep learning-based tolerance values contributes significantly to the effectiveness of classroom management and the strengthening of the social character of elementary school students.

Kartika Asmanda Putri; Endang Yuliana Susilawati; Nimas Yuski Nur Laili

Kajian ilmu Hukum, Sosial dan Administrasi Negara 2025 Lembaga Pengembangan Kinerja Dosen

The increasing number of children facing the law in Indonesia indicates that the repressive legal approach has not been fully effective in addressing juvenile crime. Children, as subjects of law, have social and psychological characteristics that differ from adults, so law enforcement against them must consider humanitarian and educational aspects. This research aims to analyze the factors causing children to commit criminal acts and formulate a model for addressing them based on developing a legal culture rooted in Pancasila values. This research employs a normative juridical method with conceptual and legislative approaches, and analyzes data qualitatively thru literature review and positive legal norms. The research findings indicate that the causes of children committing criminal acts are multidimensional, encompassing family factors, social environment, education, economics, and psychological factors. Therefore, mitigation efforts cannot be done partially, but must be thru a preventive, educational, and restorative approach. This research offers a model for overcoming challenges thru the development of a legal culture based on five main pillars: family, education, society, the state, and the legal system. This model emphasizes the importance of synergy between law enforcement and moral development in accordance with the values of Divinity, Humanity, Unity, Deliberation, and Social Justice. Thus, the development of Pancasila legal culture is expected to realize a child criminal justice system that is humanistic, substantively just, and oriented toward social rehabilitation in accordance with the legal ideals of a Pancasila state of law.

Deny Prasetyo; Suyahman Suyahman; Hadi Jayusman; Samsinar Samsinar; Nimas Ratna Sari +1 more

The rapid development of modern manufacturing technology has driven the emergence of human-robot collaboration (HRC) as part of the transformation toward a human-centric intelligent production system. In collaborative work environments, robots are not only required to work efficiently but also to interact safely and responsively with operators. However, most conventional industrial robot systems still use rigid motion controls and are unable to dynamically adapt to human activity around them.This research aims to develop a human-robot collaboration system by integrating computer vision technology to detect operator movement and applying adaptive control algorithms to the robot manipulator. The research methodology includes designing a collaborative workstation, implementing a computer vision-based motion detection system, developing an adaptive control algorithm, and evaluating system performance through various experimental scenarios. Evaluation parameters include task completion time, safe distance, and system response time.The results show that the developed system significantly improves the efficiency and safety of human-robot interaction compared to conventional systems, with shorter task times, optimal safe distances, and faster system response to operator movements.

Edward Nimit Abraham; Matius Kalatiku; Jaminter Ompusunggu

REDOMINATE : Jurnal Teologi dan Pendidikan Agama Kristiani 2025 Sekolah Tinggi Teologia Kerusso Indonesia

This study analyzes the implementation of the Great Commission in the context of the digital era, focusing on the utilization of information technology by the church and gospel ministers. Using a qualitative approach through in-depth interviews, digital observation, and document analysis, the study finds that digital media offers significant opportunities for the expansion of the Christian mission. However, its utilization is still not optimal due to low digital literacy, lack of theological integration, and limited strategies for adequate digital discipleship. The findings suggest that digital ministry requires a strong communication theology foundation, an inclusive relational approach, and clear digital ethics to maintain spiritual depth in ministry. The study also emphasizes that the digital world is part of missio Dei, so the church needs to develop hybrid ministry strategies and dialogical faith communities. Therefore, digitalization is not just a tool, but also a new theological space that demands a deep integration of theology, technology, and pastoral care. In this context, the church must develop a more holistic understanding to face the challenges and opportunities offered by the digital world for a more effective Christian mission.

Fiky Yunus

Jurnal Penelitian Komunikasi dan Sosialisasi 2025 Asosiasi Peneliti dan Pengajar Ilmu Sosial Indonesia

Political communication is a process of conveying political messages involving political actors, government, power, and various activities within the political system. As a branch of communication science, political communication focuses on how political messages are constructed, delivered, received, and interpreted by the public, as well as how these processes influence public opinion and political decision-making. In the context of this study, the optimization of the village head’s political communication in developing th Village-Owned Enterprise (BUMDes) can be seen through the policy directions undertaken, such as providing training for livestock farmers particularly goat farming and managing village deliberation meetings (musdes) that support the sustainability of BUMDes programs. This research employs a descriptive qualitative method conducted in Laweyan Village, Sumberasih Subdistrict, Probolinggo Regency, with data collected through observation, interviews, and documentation. Dan Nimmo’s political communication theory serves as the analytical framework. The findings indicate that the Laweyan Village Government consistently strives to improve the community’s economy through the development of BUMDes, particularly in the agricultural and livestock sectors. Innovations carried out by the village government and BUMDes management, especially within the goat farming unit, have significantly contributed to the progress and sustainability of the enterprise.

Rahma Ningrum; Ajeng Tita Nawangsari

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The purpose of this research is to analyze how strategies for collecting and managing Third Party Funds (DPK) affect the profitability level of Bank Jatim. As the bank’s main funding source, the effectiveness of DPK management significantly determines its ability to distribute credit, maintain liquidity, and improve financial performance. This research applies a qualitative descriptive methodology within a case study framework at Bank Jatim, with data collected through comprehensive field observations. conducted during the MBKM internship program in the Accounting and Financial Management Division, complemented by the analysis of Bank Jatim’s financial statements for the 2024–2025 period. The findings reveal that the 15% growth in DPK in 2024 positively contributed to the increase in productive assets, net interest margin (NIM), and return on assets (ROA). Bank Jatim’s main strategies include increasing the proportion of low-cost funds (CASA), digitalizing services through the JConnect application, collaborating with local governments, and providing exclusive services for priority customers. These approaches not only promote the growth of low-cost funds but also strengthen customer loyalty and the bank’s competitiveness amid the evolving banking landscape. The study concludes that innovative, efficient, and digitally based DPK management enhances Bank Jatim’s profitability and reinforces its role as a regional development bank. The study recommends strengthening financial literacy among the public and diversifying deposit products to expand the customer base..      Keywords: Third Party Funds, Bank Jatim, Profitability, Digital Banking, Financial Management Abstrak. Penelitian ini bertujuan untuk menganalisis bagaimana strategi penghimpunan dan pengelolaan Dana Pihak Ketiga (DPK) berpengaruh terhadap tingkat profitabilitas Bank Jatim. Sebagai sumber pendanaan utama, efektivitas pengelolaan DPK memiliki peran penting dalam menjaga kemampuan bank untuk menyalurkan kredit, mempertahankan likuiditas, serta meningkatkan kinerja keuangan secara keseluruhan. Metode penelitian yang diterapkan adalah deskriptif kualitatif dengan menggunakan pendekatan studi kasus pada Bank Jatim. Data dikumpulkan melalui kegiatan observasi langsung di lapangan. program magang di Divisi Akuntansi dan Manajemen Keuangan, serta melalui analisis laporan keuangan Bank Jatim periode 2024–2025.Hasil penelitian menunjukkan bahwa pertumbuhan DPK sebesar 15% pada tahun 2024 memberikan dampak positif terhadap peningkatan aset produktif, Net Interest Margin (NIM), dan Return on Assets (ROA). Strategi utama yang diterapkan Bank Jatim mencakup peningkatan proporsi dana murah (CASA), digitalisasi layanan melalui aplikasi JConnect, kolaborasi dengan pemerintah daerah, serta penyediaan layanan eksklusif bagi nasabah prioritas. Strategi tersebut tidak hanya berhasil mendorong peningkatan dana murah, tetapi juga memperkuat loyalitas nasabah dan daya saing Bank Jatim di tengah ketatnya persaingan industri perbankan.Kesimpulan penelitian ini menunjukkan bahwa pengelolaan DPK yang inovatif, efisien, dan berbasis digital berkontribusi signifikan terhadap peningkatan profitabilitas Bank Jatim sekaligus memperkuat perannya sebagai bank pembangunan daerah. Rekomendasi dari penelitian ini adalah perlunya peningkatan literasi keuangan masyarakat serta diversifikasi produk simpanan untuk memperluas basis nasabah   Kata kunci: Dana Pihak ketiga, Bank Jatim, keuntungan , Digital Banking, Financial Management

Lelia Astriani; Retno Indah Hernawati

Proceeding of the International Conference on Management, Entrepreneurship, and Business 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This research seeks to examine the impact of liquidity, Net Interest Margin (NIM), and capital structure on the profitability of banking companies traded on the Indonesia Stock Exchange during the years 2022–2024. The method of research employed is quantitative, utilizing multiple linear regression approach derived from secondary information found in company financial reports. The research sample consisted of 24 banking firms consisting of a total of 70 data points. The findings of the analysis indicate that Net Interest Margin has a meaningful and positive impact on profitability, while liquidity and capital structure do not produce a notable impact. These results suggest that the efficiency of managing productive assets and net interest income are the main factors in increasing bank profitability, while liquidity management and capital composition have not contributed significantly to profit growth. This study has important implications for bank management to optimize NIM as the main strategy for improving financial performance, as well as for regulators and stakeholders in conducting evaluations and decision-making. This study also suggests expanding the variables and research period in the to acquire a more thorough insight into the factors that affect the profitability of banking companies.

Gisela Nana; Yuventius Tamelab; Damian Puling

Jurnal Pendidikan Kimia, Fisika dan Biologi 2025 Asosiasi Riset Ilmu Pendidikan Indonesia

Thesis by Gisela Nana, Nim 2386206182 entitled “ The influence of the media images of the students learning in subjects IPA about animal classification according to the type of food in class IV SDI Manumuti Malaka District”. This research of this study is to determine the students learning outcomes after using picture media in science subject on animal classfication based of food types. The method used the quantitative descriptive method. This study was conducted in SDI Manumuti, Umanen Lawalu Village, District Malaka Tengah, District of malaka. Data collection technique is a test and analysis technique used are simple linear regression statistical analysis. From the results of the study prove that as many as 18 people or 99% of students gaining higt grades in learning outcomes, whereas 1 or equal to 1% less value in learning outcomes. It is evident from the results of test calculations of  Fcount  = 5,70 which is significantly larger than the Ftable at the significant level of 5% N= 18 at 4,49 or equal to Fcount  ≥ Ftable  or 5,70 ≥ 4,49. Based on the above results the value of Fcount  is greater than Ftable namely Fcount = 5,70 and F table =4,49. Then Ho is rejected and Ha accepted. It can be concluded that there is the influence of the media images of the students learning in subjects IPA about animal classifacation according to the type of food in class IV SDI Manumuti Malaka District.  

Nofiyati, Rizqi Amaliya; Widiastuti, C. Tri; Meiriyanti, Rita

Jurnal Riset Rumpun Ilmu Ekonomi 2025 Lembaga Pengembangan Kinerja Dosen

This study aims to analyze the effect of Non-Performing Loans (NPLs) and the Loan-to-Deposit Ratio (LDR) on bank financial performance, as measured by Return on Assets (ROA), with Net Interest Margin (NIM) as an intervening variable in banking companies listed on the Indonesia Stock Exchange during the 2021-2023 period. The research method used is quantitative research with a causal-comparative approach. The data used in this study is secondary data sourced from the financial reports of banking companies accessible through the official IDX website. The population in this study is banking sector companies listed on the Indonesia Stock Exchange, with a sample of 35 companies selected using a purposive sampling method based on certain criteria. The independent variables in this study are Non-Performing Loans (X1) and Loan to Deposit Ratio (X2), while the dependent variable is Return on Assets (Y) and the intervening variable is Net Interest Margin (Z). Data analysis techniques in this study use panel data regression, classical assumption tests, t-tests, coefficients of determination, and Sobel tests. The results of this study indicate that NPL has no effect on NIM, while LDR has an effect on NIM, NPL has an effect on ROA, LDR has no effect on ROA, NIM has an effect on ROA, NIM does not mediate the relationship between NPL and ROA, and NIM mediates the relationship between LDR and ROA.

Tata Listiyawati; Atrianing Yessi Wijayanti; Nimas Puspitasari

Jurnal Riset Rumpun Ilmu Pendidikan 2025 Lembaga Pengembangan Kinerja Dosen

Education is a crucial foundation for shaping a generation with strong character, faith, intelligence, and responsibility as mandated by Law Number 20 of 2003. In the 21st century, one of the most essential competencies to be developed is critical thinking, which can be effectively nurtured through Project Based Learning (PjBL). This approach actively engages students in planning, inquiry, problem-solving, and reflection within project-based tasks, making learning more meaningful. This study examines the effect of PjBL on the critical thinking skills of fifth-grade students in Natural and Social Sciences (IPAS) at SD Islam Istiqomah, Ungaran Barat, Semarang Regency. Employing a quantitative method with a quasi-experimental Nonequivalent Control Group Design, the study involved 76 students divided into experimental and control groups. Data were collected using a validated and reliable essay test on critical thinking skills. Results showed that the experimental group achieved a higher mean posttest score (84.16) than the control group (74.74). The point-biserial correlation was rpb = 0.676, and the t-test result (tcount 7.891 > ttable 1.993, p < 0.05) confirmed a significant difference. These findings demonstrate that PjBL substantially improves students’ critical thinking and emphasize its continued implementation to foster contextual and meaningful IPAS learning.