AbstrakPenelitian ini bertujuan untuk menghasilkan: (1) Modul pembelajaran pendidikan antikorupsi sebagai sumber belajar yang layak untuk peserta didik SMA kelas X, (2) Modul pendidikan antikorupsi yang efektif pada hasil belajar peserta didik di SMA, (3) Modul pendidikan antikorupsi yang efektif pada sikap antikorupsi peserta didik di kelas X. Penelitian ini merupakan model penelitian dan pengembangan (research and development). Berdasarkan hasil penelitian menunjukkan bahwa: (1) dihasilkan modul pendidikan antikorupsi yang layak sebagai sumber belajar pada mata pelajaran PPKn kelas X; (2) modul pendidikan antikorupsi yang efektif untuk meningkatkan hasil belajar peserta didik di SMA. Hal ini ditunjukkan dengan perolehan gain score dan meningkatnya nilai mean; (3) modul pendidikan antikorupsi yang efektif untuk meningkatkan sikap antikorupsi peserta didik di SMA. Hal ini ditunjukkan dengan perolehan gain score dan meningkatnya skor mean. Kata kunci: modul, pendidikan antikorupsi, pendidikan pancasila dan kewarganegaraan DEVELOPING ANTI-CORRUPTION EDUCATION MODULE IN THE SUBJECT OF PANCASILA AND CIVICS EDUCATION OF HIGH SCHOOL STUDENTS GRADE XSutrisno, Mukhamad Murdiono Universitas Muhammadiyah Ponorogo, Universitas Negeri Yogyakarta sutrisno.afiq@gmail.com, mukhamad_murdiono@uny.ac.id Abstract This research aims to produce: (1) anti-corruption education learning modules for high school students grade X, (2) anti-corruption education modules that effectively improve the learning outcomes of students in high school, and (3) anti-corruption education modules that effectively improve the anti-corruption learners in grade X. This research model is research and development (R&D) based. The following conclusions were drawn from the research results: (1)The development results in anti-corruption education modules in subjects Pancasila and Civics Education in grade X, (2) anti-corruption education modules are affective to improve learning outcomes of students in high school as evidenced by the acquisition gain score and an increase in the mean value, (3) anti-corruption education modules are affeetive to improve the anti-corruption attitudes of high school students. This is evidenced by the acquisition gain score and an increase in the mean score.

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There are two motives establishment of Islamic banks in Indonesia, first established with the aim to develop the Islamic financial institutions (idealistic group). Second, Islmaic banks founded because there is profitable business opportunities (opportunistic group). The purpose ofthis study was to examine whether there are differences in performance between the idealistic Islamic banking group with opportunistic group. Variables in this study are financing, banking risk and profitability of Islamic banking. The populationin this study were all Islamic banks in Indonesia that divided into idealist goup and opportunist group. The results showed that financing by the opportunist group dominated by financing based on profit margin concept or trade concept, while the financing portion of idealist group provides the finiancing base on profit sharing concept. In terms of risk aspect, there is a significant difference in liquidity risk (FDR) and operating risk (BOPO) between groups of idealists by opportunists, while the risk capital(CAR) and risk financing (NPF) the difference was not significant. From the aspect of profitability, there are significant differences between idealist group and opportunists group. LATAR BELAKANGPerkembangan perbankan syariah semenjak diijinkannya perbankan syariah di Indonesia dengan terbitnya Undang-undang No. 7 tahun 1992 tentang perbankan, memang menunjukkan angka yang menakjubkan. Total aset perbankan syariah mencapai angka Rp 135 trlyun diakhir tahun 2013, mengalami perkembangan rata-rata 55% selama lima tahun terakhir. Demikian pula dengan perkembangan dana masyarakat dan pembiayaan yang diberikan, rata-rata tumbuh 50% selama lima tahun terakhir. Pesatnya perkembangan perbankan syariah ini, jika dibandingkan dengan industri perbankan di Indoensia ternyata masih sangat kecil. Baik total aset, dana pihak ketiga maupun pembiaya-Perbankan Syariah: antara Idealisme dan Oportunisme Studi Kasus pada Perbankan Syariah di Indonesia Sutrisno | 419 | an sumbangannya masih dibawah 5% dibanding dengan perbankan nasional. Masih diperlukan upaya yang serius dari pengelola perbankan syariah untuk mencapai target yang dicanangkan oleh direktorat perbankan syariah Bank Indonesia sebesar 10%. Pada awalnya, pendirian bank syariah ini didasari oleh tidak terpenuhinya kebutuhan umat islam akan perbankan yang bebas dari bunga, karena dalam Islam bunga adalah riba yang dilarang oleh syariat (Antonio, 2001). Bank syariah didirikan untuk memenuhi kebutuhan umat Islam untuk bisa melakukan kegiatan ekonominya yang didukung oleh bank yang bebas bunga, karena tujuan hidup dalam Islam tidak hanya berdimensi kemuliaan di duia tetapi juga dimensi kemuliaan di akherat (Muqorobin, 2011). Bank Muamalat Indonesia merupakan bank Islam pertama yang berdiri di Indonesia pada bulan Mei 1992. Syariah berdiri pada 15 Januari 2010 merupakan hasil spin-off dari Unit usaha Syariah (UUS) yang Jurnal Keuangan dan Perbankan | PERBANKAN

Preface The fifth Seminar Nasional Matematika dan Pendidikan Matematika (SENATIK) was held by Mathematics Education Study Program, Universitas PGRI Semarang, Indonesia, in 2020. This seminar has objectives to improve mathematics teaching, to solve the mathematics problem, and to expand mathematics contribution to society. Freedom learning is a new policy of the Ministry of Education and Culture of the Republic of Indonesia to improve the national education system that seems monotonous. Through freedom learning, it is expected that it can create happiness and a joyful learning atmosphere for both students and teachers. Learning activities will be effective if the learning atmosphere is enjoyable. By having a joyful learning environment and adequate learning facilities, students are expected to be able to construct knowledge and support in generating motivation to learn actively. Also, by giving freedom in carrying out learning through their learning will train and instill a democratic attitude for students and also shape students’ creativity to explore their potential. As technology develops, teachers are expected to use technology for joyful learning. Through the integration of technology in the freedom of learning, it is expected that effective and efficient learning will be created. Therefore, teachers are required to be able to do innovative learning. In view of that, the Mathematics Education Study Program of Universitas PGRI Semarang invites researchers, practitioners, and educators to participate in and contribute to the fifth SENATIK 2020 under the theme “Freedom of Learning: Integration Technology in Mathematics Learning.” The keynote presentations are provided to show the contribution of mathematics educators in mathematics education towards research and knowledge sharing. We have three keynote speakers, that’s are Prof. Dr. Ratu Ilma Indra Putri, M.Si. (Universitas Sriwijaya, Indonesia). Dr. Irwan Endrayanto Aluiciues, S.Si., M.Sc. (Universitas Gajah Mada, Indonesia), and Dr. Achmad Buchori, M.Pd. (Universitas PGRI Semarang, Indonesia). We also have two speakers in the workshop session that are Dr. Rully Charitas Indra Prahmana (Universitas Ahmad Dahlan, Indonesia) and Dr. Muhtarom (Universitas PGRI Semarang). On this seminar implementation, from one hundred and thirty-one full paper registers, there are sixty-nine presenters declared to be qualified. Our wish all the participants would enjoy the seminar, so they involve valuable and rewarding, and improve the knowledge and experiences. Publishing Team

The aim of this research is to develop mobile web model on the basis of character building in the classroom for elementary school students in Jakarta in Indonesia. The method of this research is Research and Development. The research product of mobile web model on the basis of character building in the classroom for elementary school students in Jakarta in Indonesia was developed using 8b website builder with URL http://8b.com. The result of validation of expert, limited, and extensive field test related to content utility, navigation, simplicity, loading speed, security, interactive, efficiency, and learnability reached 3.69, 3.75, and 3.73 from maximum score 4 showing that this product has already been valid, practical, and effective. The conclusion of this research is that mobile web model on the basis of character building in the classroom developed in this research is practical and effective to be implemented for elementary school students in Jakarta in Indonesia.