Ida Ayu Amara Puspita Rani, I Nyoman Nugraha Ardana Putra
This study analyzes the financial soundness of four Indonesian state-owned banks—Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI), Bank Mandiri, and Bank Tabungan Negara (BTN)—using the Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) framework as regulated in POJK No. 4/POJK.03/2016, which replaced Bank Indonesia Circular Letter No. 13/24/DPNP. A longitudinal comparative approach was applied across three periods: pre-pandemic (2015–2019), pandemic (2020–2021), and post-pandemic recovery (2022–2024), based on audited annual reports and recalculated financial ratios. Results show that the pandemic negatively affected asset quality and profitability, as indicated by increased Non-Performing Loans (NPL) and reduced Return on Assets (ROA). However, Capital Adequacy Ratios (CAR) remained well above regulatory requirements, ensuring overall financial stability. Good Corporate Governance (GCG) practices also improved consistently, acting as a stabilizing factor during the crisis. By the post-pandemic period, BRI and Mandiri achieved “Very Healthy” (PK-1) ratings, while BNI and BTN maintained “Healthy” (PK-2) status. These findings highlight the importance of credit restructuring, capital strengthening, and governance quality in sustaining the resilience of state-owned banks, offering valuable insights for policymakers in enhancing Indonesia’s financial system stability.
Artikel ini bertujuan untuk menganalisis makna dan hikmah di balik pengulangan ayat fabiayyi ‘ala’i rabbikuma tukadhdhiban dalam Surah al-Rahman yang diulang sebanyak 31 kali. Keunikan pengulangan ini memunculkan pertanyaan teologis dan estetika dalam al-Qur'an yang menarik untuk dikaji lebih dalam. Fokus utama penelitian ini adalah menelaah tafsir M. Quraish Shihab dalam Tafsir al-Mishbah terkait ayat tersebut serta mengungkap keajaiban dan tujuan pengulangannya. Metode yang digunakan adalah penelitian kepustakaan (library research) dengan pendekatan deskriptif-analitis. Peneliti mengkaji berbagai literatur, termasuk Tafsir al-Mishbah, serta penafsiran Quraish Shihab untuk mendapatkan pemahaman yang komprehensif. Penelitian ini memaparkan definisi, fungsi, dan kaidah pengulangan dalam al-Qur'an sebagai kerangka analisis. Hasil penelitian menunjukkan bahwa menurut Quraish Shihab, pengulangan ayat fabiayyi ‘ala’i rabbikuma tukadhdhiban merupakan bentuk penegasan atas kemurahan Allah SWT dalam memberikan nikmat kepada manusia dan jin. Pengulangan ini bertujuan untuk menanamkan kesadaran dan rasa syukur atas karunia yang telah diberikan. Hikmah di balik pengulangan tersebut adalah untuk menggugah hati dan pikiran pembaca agar selalu mengingat dan mensyukuri nikmat Allah, sekaligus memperkuat hubungan spiritual antara manusia dengan Sang Pencipta.
Kur'ân’da kâinattaki tabiî olgulardan bahseden pek çok âyet bulunmaktadır. Bu âyetler Kur'ân’da genellikle tevhide delâlet etmeleri yönüyle zikredilmekte ve tefsirlerde de çoğunlukla bu zaviyeden izah edilmektedir. Bununla birlikte özellikle son yüzyılda bu âyetlerden bazılarının bilimsel tefsire konu edildiği görülmektedir. İlgili âyetlerde yer verilen kevnî gerçekliklerin Hz. Peygamber döneminde bilinmediği halde yüzyıllar sonra yapılan bilimsel araştırmaların ilgili âyetlerin muhtevasını onaylamasından hareketle bu âyetlerde Kur'ân’ın ilmî i’cazının olduğu öne sürülmektedir. Bu çalışmada bilimsel tefsire konu edilen bazı âyetlerin farklı bir bakış açısıyla ele alınarak Hz. Peygamber’in nübüvvetine delâletinin ortaya konması amaçlanmaktadır. Bu bakış açısı; ilgili âyetlerin tarihsel arka planı, sosyolojik ve psikolojik boyutları dikkate alınarak ters bir okuma üzerinden incelenmesi olarak ifade edilebilir. Ters okumadan kasıt; ilgili âyetlerin gerçekten peygamber olmadığı halde nübüvvet iddiasıyla insanları aldatmak isteyen birisi tarafından söylenebilmesi ihtimali üzerinden incelenmesidir. Bilimsel tefsire konu olan bir âyet bu zaviyeden incelenmek istendiğinde belli adımların takip edilmesi gerekir. Bu adımlardan birincisi ilgili âyetin tarihsel arka planını tespit etmektir. Tarihsel arka plan genel olarak; âyetin nüzûl yeri, zamanı ve o dönemde Hicaz coğrafyasında baskın olan sosyo-kültürel, sosyo-psikolojik şartlar olarak ifade edilebilir. Nüzûl atmosferi ortaya konduktan sonra ikinci adımda gerçekten peygamber olan biri ile peygamber olmadığı halde risâlet iddiasıyla ortaya çıkan birinin ilgili âyeti söyleyebilme imkân ve ihtimali incelenmelidir. Buradaki mukayesede şahıs olarak farklı iki kişi değil aynı şahsın varsayıma dayalı olarak iki farklı durumunun dikkate alınması daha sağlıklı bir değerlendirme imkânı sunacaktır. Örneğin el-Hicr 15/22. âyette bahsedilen rüzgârların aşılayıcılık fonksiyonu bu bakış açısıyla ele alındığında söz konusu bilgiye Hz. Peygamber’in bir peygamber olarak yahut – haşa – peygamber olmadığı halde risâlet iddiasında olan biri olarak kaynaklık etme ihtimali incelenmelidir. Bu inceleme sonrasında yapılacak mukayese üzerinden incelenen âyetin, – varsa - Hz. Peygamber’in risâletine delâleti veya işareti ortaya konmalıdır. Bu delâletin/işaretin hangi yönlerden olduğu açıklanarak öne sürülen tez temellendirilmelidir. Çalışmada yukarıda genel çerçevesi çizilen bir yaklaşım üzerinden bilimsel tefsire konu edilen bazı âyetlerin Hz. Peygamber’in nübüvvetine delâletinin/işaretinin açığa çıkarılması amaçlanmaktadır. Bu maksada yönelik olarak belirlenen yaklaşım üzerinden bilimsel tefsire konu edilen bazı âyetler incelenmiştir. İncelenen âyetlerin nübüvvete farklı derecelerde işaret ettikleri gözlemlenmiştir. İncelenen âyetlerde verilen bilgilerin pek çoğu ancak üst düzey araştırmalarla tespit edilebilecek bilimsel bir bilgiye işaret etmektedir. Yedinci yüzyıl Mekke toplumunun o dönemdeki birinci gündemi pozitif ilimlerde ilerlemek olmadığı gibi bu bilimsel bilginin Müslümanların pratikteki beklentilerini doğrudan karşılayan bir yönü de bulunmamaktadır. Üstelik Hz. Peygamber’in yaşadığı şartlar içerisinde söz konusu bilgileri zikretmesini gerektirecek belirgin bir neden de bulunmamaktadır. Öne sürülen bilgiler, ilerleyen dönemlerde yanlışlanabilecek mahiyete sahip olması sebebiyle peygamber olmayıp da risâlet iddiasında olan birisi için ciddi riskler taşımaktadır. Görünürde bu riskleri almanın gerçekten vahiy alıyor olmak dışında tatmin edici bir izahı bulunmamaktadır. İncelenen bilgiler genel olarak bu çerçevede değerlendirildiğinde bu ifadelerin gerçekten vahiy mahsulü olduğunu düşünmek oldukça makuldür. Çalışmada genellikle analiz ve kıyas yöntemi tercih edilmiş, yeri geldiğince diyalektik yöntemden yararlanılmıştır.
Purpose – This study aims to analyze the impact of animated content on the NU Kids YouTube channel on traditional Islamic education for early childhood by examining viewership metrics, community engagement, behavioral changes in children, and how these animations integrate character education, appreciation for local traditions, and the formation of a moderate religious identity.
Design/methods/approach – A netnographic approach was employed to observe and analyze 7 out of 13 available videos on the NU Kids Sumenep channel. These 7 videos were selected based on their thematic relevance to the research objectives, focusing on the portrayal of Nahdlatul Ulama’s history, character education, and the development of religious identity. Thematic analysis was used to identify key themes in these videos, including representations of Nahdlatul Ulama history, character education, and the development of religious identity.
Findings – The findings indicate that NU Kids animations successfully promote traditional Islamic values rooted in local traditions. For instance, episodes such as "The Founding of Nahdlatul Ulama" and "The Story of Kiai Hasyim Asy'ari" emphasize respect for elders, community solidarity, and the integration of Islamic principles with local customs, which resonate deeply with audiences. The channel effectively builds a strong digital community and strengthens the collective identity of the NU community in the era of globalization.
Research implications/limitations – The study is limited to the community analyzed, which may be confined to those already affiliated with Nahdlatul Ulama. The research primarily relies on public data such as view counts and comments, which may not fully reflect long-term impacts.
Practical implications – This study demonstrates that digital media, such as YouTube, can be an effective tool for disseminating traditional Islamic teachings to young audiences. The findings could influence the development of educational content based on local values in the future.
Originality/value – This research provides new insights into the role of digital media in traditional Islamic education, particularly in early childhood education, by demonstrating how platforms like NU Kids integrate local cultural narratives with religious teachings, employ storytelling and digital tools to foster collective identity, preserve traditional values, and shape the younger generation's identity in a rapidly globalizing world.
Paper type Research paper
This study examines the involvement of Indonesian youth and Muslim philanthropy NGOs in the promotion of inter-faith harmony through crowdfunding. Crowdfunding or online fundraising has been rapidly growing in Indonesia. It has been used to respond to various issues among others are religious violence. Currently, almost whenever radical acts happened in Indonesia, people turned to crowdfunding to express inter-faith solidarity and support. This study draws from the concept of networked social movement to explain the characteristics of crowdfunding campaigns for inter-faith harmony. This concept highlights contemporary online movements that are spontaneous, leaderless, and temporal in nature which is distinct from the well-organized movements commonly studied by scholars. This study argues that the characteristics of network social movement fit with the current generation of remaja that is assumed to be socially apathetic and more immersed in developing themselves and consuming media. Nevertheless, despite the spontaneous and temporal tenets, the youth’s inter-faith movements were able to mobilize a significant number of donations and attract Muslim NGOs that were often perceived to be sectarian to support the inter-faith campaigns. The data in this study were collected from interviews with the campaign initiators and Muslim philanthropy NGOs. This study also observed donors’ comments and interactions in the largest crowdfunding platform in Indonesia, Kitabisa, particularly in the campaigns that responded to religious violence. The findings of this study contribute to the studies on Indonesian youth, Islamic philanthropy, and the state of inter-faith relations in Indonesia which was argued to be experiencing a conservative turn.
This study aims to analyze the application of Higher Order Thinking Skills in learning management to improve students' numerical intelligence in public elementary schools in Tebo District. This study uses a qualitative approach to the type of case study. The data in this study were obtained from interviews, observation and documentation. Data analysis was carried out using a qualitative approach involving organizing, coding, searching for themes, and developing patterns of findings. The results of the study show that there are three steps in learning management regarding HOTS-based learning management in improving students' numerical intelligence, namely; 1) Planning of learning whose indicators are in the form of analysis components, 2) Implementation of learning whose indicators are in the form of evaluations, and 3) Controlling, whose indicators are in the form of creating components. The results of this study provide practical insights for educators in optimizing the application of HOTS in classroom learning management to improve students' numerical intelligence. This study offers a greater comprehension of how the application of HOTS might be incorporated within learning management. This enhances our knowledge of the value of HOTS in raising students' numerical intelligence, which adds to the body of academic literature.
Trisa Okfarianti, Kusnadi Kusnadi, Eni Murdiati
et al.
This research is motivated by what happened at the Sakura Waste Bank, apart from dealing with other similar waste banks, they also faced unstable conditions due to the Covid 19 Pandemic. This caused sales at the waste bank to experience significant declines. With the issuance of government regulations not to leave the house, of course this has a big impact. This will hinder the marketing process of the Sakura waste bank, which can normally carry out marketing activities directly to consumers, but with this crowd restriction, the waste bank cannot do so, so it has to change its marketing strategy in order to survive during the current pandemic. With the formulation of the problem, namely (1) What are the obstacles faced by the Sakura Garbage Bank during the pandemic? (2) what marketing strategy was implemented by the Sakura Waste Bank during the Pandemic? This research uses descriptive qualitative which consists of observation, documentation and interviews as data collection techniques sourced from primary data and secondary data. The data analysis technique uses data reduction, data presentation and conclusion drawing. From the results of the implementation of this study, implementing a marketing strategy at the Sakura Palembang Waste Bank during the pandemic, namely using a SWOT analysis marketing strategy. The inhibiting factor of this research is the lack of awareness of human resources including millennials towards the Waste Bank business.
Keywords: Marketing Strategy, Marketing, Waste Bank, Covid -19
The concept of light has a comprehensive and fundamental meaning in Quranic applications and has been used 49 times in different contexts. With thematic contemplation in Qur'anic applications, in addition to the pursuit of light, on both the ontological and epistemological levels, how the cognitive subject is perceived in the perception of “light” is very important. New commentators on the interpretation of the verse of light have tended to be figurative due to the existence of narrative information and intellectual barriers. But another group, after the fifth century, sought to prove the truth of the verse by offering different definitions. This article takes two explanatory-critical approaches to the views of earlier commentators, based on interrogation in Qur'anic applications, in addition to different classifications in the applications of light, inspired by Qur'anic linguistic findings, on how to attribute “the light of God”. Therefore, although the light of the Almighty God falls into the category of transcendental light, it has a transcendent and expanded level. This perfection of the appearance of the Almighty God’s light must be understood, in addition to the removal of the various veils of darkness and light, with the inner realm of man, the “heart”.
Penelitian ini berupaya memaparkan salah satu strategi dalam peningkatan manajemen sumber daya manusia di Mayangkara Group yakni praktik manajemen hati. Jenis penelitian ini adalah kualitatif dengan menggunakan studi pendekatan studi kasus. Hasil penelitian menunjukkan bahwa terdapat beberapa program kegiatan yang wajib diikuti oleh seluruh karyawan sebagai wujud dari implementasi manjamen hati. Manajemen hati merupakan suatu upaya pengelolaan hati untuk seluruh karyawan yang bertujuan untuk membentuk karaktek SDM yang berbudaya dan bernilai ketuhanan. Hati yang terkelola secara baik, akan terlahir SDM berkualitas yang menjadikan bekerja sebagai prioritas beribadah dan tidak hanya untuk mencari profit semata. SDM yang memiliki kualitas hati yang baik, maka segala apa yang menjadi kewajiban karyawan akan menjadi suatu pekerjaan yang menyenangkan, tanpa paksaan dan tentunya bernilai ibadah.
یکی از اهداف اساسی نظام آموزش و پرورش، هدایت آگاهانه بهسوی ارزشهای اخلاقی برای جهتدهی به زندگی دانشآموزان است. این موضوع، در حیطه اخلاق جنسی با توجه به فاصله بین بلوغ جنسی و بلوغ اقتصادی برای تشکیل زندگی مشترک، در معرض ارزشهای متعارض قرار گرفتن و نیرومندی غریزه جنسی دارای اهمیتی ویژه است. برایناساس، هدف این پژوهش، تبیین مبانی ارزششناختی اخلاق جنسی در اسلام، با روش توصیفی−تحلیلی است. بنابراین، با توجه به نظام ارزشی اسلام در حیطه اخلاق جنسی، مبانی همچون فطری بودن ارزشهای اخلاقی، خیر علیالاطلاق بودن خداوند، اعتباری بودن ارزشها، ثبات و تغییر در ارزشها و عدالت استخراج شد. تأثیر این مبانی در اخلاقی جنسی به ترتیب عبارتاند از: عفت و حیا، حجاب، غیرت، ازدواج؛ خداوند معیار ارزشهای اخلاق جنسی، اعتبارسازی، اعتباریابی؛ ساختارمند شدن اخلاق جنسی، فهم نسبتاً آسان دیگر سیستمهای اخلاق جنسی؛ رعایت اعتدال، تناسب و هماهنگی بین زوجین، عدالت عاطفی در تعدد زوجات و عدالت اجتماعی بین زن و مرد.
Allah, the Omnipotent, states in the Qur’an: a) “Every soul shall taste of death; unto us you shal be returned” (29/al-Ankabūt:/57); b) “…God being well-pleased with them and they well-pleased with Him. That is the migty triumph” (5/al-Māʾida:119); c) “Prosperous are the believers…” (23/al-Muʾminūn:5). In Islamic Law God, the Omnipotent, is the Lawmaker and the Supreme Judge; and the believers, through sheer love of God, attain His pleasure; and in consequence, they are bestowed with prosperity and equilibrium.
The Constitutional Court made a revolutionary decision through the decision of Constitutional Court Number 46/PUU-VIII/2010 about the status of children outside of marriage. The decision stated that childrens born outside of marriage not only had a civil relationship with their mother and mother's family but also had a civil relationship with their biological father. Its implicates that children outside of marriage have the same rights with legal children, such as earning a living, inheritance and equality before the law. Seen from the concept of maqâṣid asy-syarî'ah, the decision does not violate the Islamic law, otherwhise it is in the line with the principles of maqâṣid asy-syarî'ah especially the principles of ḥifẓ an-nasl and ḥifẓ an-nafs.
[Mahkamah Konstitusi telah membuat putusan revolusioner dalam putusan MK Nomor 46/PUU-VIII/2010 tentang status anak di luar perkawinan. Putusan tersebut menyatakan bahwa anak yang dilahirkan di luar perkawinan mempunyai hubungan perdata dengan ibu dan keluarga ibunya dan mempunyai hubungan perdata dengan ayah biologisnya yang dibuktikan berdasarkan ilmu pengetahuan dan teknologi. Implikasinya adalah anak di luar perkawinan mendapat hak sama dengan anak sah, mendapatkan nafkah, waris dan persamaan di hadapan hukum. Dilihat dari konsep maqâṣid asy-syarî’ah, putusan tersebut tidak melanggar hukum Islam, sebaliknya, ia sejalan dengan prinsip-prinsip maqâṣid asy-syarî’ah terutama prinsip ḥifẓ an-nasl dan ḥifẓ an-nafs.]
Mudik lebaran(visiting hometown on Idul Fitri Days) is an annual tradition which is never left by most urban people who are originallyfrom smalleror othertown. Some days before Idul Fitri day, we can see how crowded the traffic is. It is a unique phenomenon of Idul Fitri which is especially found in Indonesia. Lebaran/ Idul fitri is a specific example about how Islamic idioms are creatively intrepreted in Indonesian culture. This unique and specific example of lebaran in Indonesia can be seen not only on the phenomenon of mudik but also on the situation and idioms such as takbiran, shaking hands, sungkeman, halal bi halal, ziarah kubur (visit cemetery) before lebaran and before the month of Ramadhan (nyadran), lebaran banquet, giving some moneytochildren, etc. Besidesthe explanation ofthe meaning of lebaran from normative sides, it is necessary to reveal the subjective meaning of lebaran tradition. This research revealed those meanings through phenomenological perspedive and analyzed them with psychoanalysis. Using the logotherapytheory of Viktor Frankl, it was found thatthe values ofthe tradition to go hometown during Idul Fitri days helped them to find the meaning of life. The values or meanings which could be found are: the meaning of family relatives and its education valueforthe family, existence meaning, primordial meaning, and transformative meaning. Those meanings indeed are very beneficial forthem as a therapyto revitalizetheir individual and social lives. Mudik can improvetheir mental health and bring happiness.
Based on the urgency of the involvement of the groups’ views on the others in any peace initiation, this study attempted (1) to investigate how the leaders of religious groups in Mataram socially constructed the others and (2) to determine the typology of their social constructions by relying on three main paradigms of religiosity (exclusivism, inclusivism, pluralism). The leaders of religious groups were chosen as a major subject because they had contributed significantly to the social dynamics of the Muslims in this city; as religious elites (ulama), they were not only cultural brokers, but also active creators of social change. To analyze their social constructions on the others, this research used the Berger’s social constructionism theory. Their social constructions excavated from purposively selected informants, namely the formal or informal elites of religious groups like the Ahmadiyya, Salafists, Tablighi Jamaat, Shiite, and the traditionalist (Nahdlatul Wathan) and modernist (Muhammadiyah) Islamic groups. It was concluded that their social constructions actually emerged through three moments of dialectic which formed the subjective and objective realities on the others. Through those social constructions, they defined the others. All of their social constructions typologically tended to be exclusive, in certain limits also inclusive, and pluralistic tendencies tended to be absent. Based on the typefication, this study proposed a number of ideal solutions for creating the coexistence of Islamic religious groups in Mataram..
Bertolak dari urgensi pelibatan pandangan masing-masing kelompok tentang the others dalam setiap inisiasi perdamaian, studi ini mengkaji (1) konstruksi sosial para elit kelompok-kelompok keagamaan di Kota Mataram tentang the others sekaligus menentukan (2) tipologinya berdasar tiga model utama keberagamaan, yakni eksklusivisme, inklusivisme, dan pluralisme. Para elit dipilih sebagai subjek karena mereka berperan signifikan dalam kelompok masing-masing. Dalam dinamika sosial masyarakat Muslim Kota Mataram, mereka kurang-lebih adalah ulama yang berperan sebagai “makelar budaya” sekaligus kreator aktif perubahan sosial. Untuk memahami konstruksi sosial para elit tentang the others, studi ini menerapkan teori konstruksi sosial Berger. Data utama digali dari para informan yang dipilih secara purposif, yakni mereka yang secara formal maupun informal memimpin kelompok-kelompok keagamaan Islam seperti Ahmadiyah, Salafi, Jama’ah Tabligh, Syi’ah, dan juga kelompok tradisionalis (Nahdlatul Wathan) dan modernis (Muhammadiyah). Hasil kajian menunjukkan bahwa konstruksi sosial mereka muncul lewat tiga momen dialektik yang membentuk realitas subjektif sekaligus objektif tentang the others. Hal itu menentukan cara mereka selaku elit kelompok dalam memaknai dan menyikapi the others. Tipefikasinya menunjukkan, penyikapan mereka tentang the others cenderung eksklusif, dalam batas-batas tertentu inklusif, sementara tendensi pluralistik cenderung absen. Berdasar itu solusi berupa format ideal pengelolaan keragaman bagi penciptaan koeksistensi antarkelompok keagamaan di Kota Mataram diajukan.
Having a family life is a basic need of every individual. This is aimed at reaching a harmonious family life, both in sufficiency or in insufficiency. To achieve this State, every individual need to be aware of having bright and positive thinking and also regardful with praying to God. One effort to achieve this State is by having open communication, not formalistic, familiar, and warm among family members and also with God, Allah swt. Open communication will bring a family to the successful and harmonious life.
As typical Indonesian education institute, pesantren with all its component, tradition, culture, and uniqueness have drawn attention many expert and researchers. Pesantren existence has given great contribution to enhancement of the quality of human life. Many role have been played by pesantren; in social, political, economics, cultural aspect; and of course religious aspect which its basic study. These realities in turn have invited the attention of many circles to continuously examine, checking, or studying dynamics, growth, and also existence of pesantren. Among the study result is Mastuhu’s research: Dynamics of System of Education Pesantren, a Study about Element and Value of Pesantren Educational System. With this masterpiece, Mastuhu trying to promote the form of study pesantren which do not merely touching manifest (visible) aspect, but trying to find the values which is consisted inside that manifest; so can found positive, negative, and plus-minus items from pesantren’s education which need and needn’t to be developed in national’s education system. Through this article, the writer will express the work content from a perspective of its study approach.
Education (General), Islam. Bahai Faith. Theosophy, etc.