Claim Missing Document
Check
Articles

Found 12 Documents
Search

ARIMA-Based Analysis of Financial Risks in Islamic and Conventional Rural Banks Syathiri, Ahmad; Widyanata, Fera; Kumalasari, Farida; Wahyudi, Heru
Bukhori: Kajian Ekonomi dan Keuangan Islam Vol 5 No 2 (2026): January
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/bukhori.v5i2.5336

Abstract

Purpose: This study aims to analyze and compare the financial risks of Islamic Rural Banks (BPRS) and Conventional Rural Banks (BPR) in Indonesia, focusing on liquidity and credit risks. The objective is to provide a comprehensive understanding of risk management patterns and performance differences between these two types of banks. Methodology/approach: This study aims to analyze and compare the financial risks of Islamic Rural Banks (BPRS) and Conventional Rural Banks (BPR) in Indonesia, focusing on liquidity and credit risks. The data analysis used is time series analysis with the ARIMA method. Results/findings: The findings reveal that BPRS generally maintains higher liquidity ratios with lower liquidity risk compared to BPR, although both bank types exhibit credit risk above the recommended threshold. The forecasting results indicate that BPRS is likely to maintain its liquidity and reduce non-performing financing in the coming period, while BPR faces declining liquidity and persistent non-performing loan issues. Conclusion: Islamic and conventional rural banks show different financial risk profiles, with conventional banks facing higher liquidity and loan risks, while Islamic banks generally maintain stronger liquidity but remain exposed to financing risks. Limitations: This study is limited by its focus on quantitative indicators and historical data, without incorporating qualitative or macroeconomic factors. The use of ARIMA may not fully capture sudden structural changes or regulatory impacts. Contribution: The study offers insights for improving risk management and compares Islamic and conventional rural banks in a developing country.
Optimalisasi Pemberdayaan Ekonomi Pesantren melalui Pengembangan Keterampilan Kreatif Syathiri, Ahmad; Widyanata, Fera; Kumalasari, Farida; Putri, Yulia Hamdaini; Wahyudi, Heru
Yumary: Jurnal Pengabdian kepada Masyarakat Vol 6 No 3 (2026): Maret
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/yumary.v6i3.4720

Abstract

Purpose: This community service initiative aimed to empower female students at SMA IT Raudhatul Ulum in Desa Sakatiga through entrepreneurship training and practical workshops on handmade accessory creation. The program, conducted by faculty and students from Universitas Sriwijaya, focused on equipping participants with essential entrepreneurial knowledge, including business concepts, marketing strategies, and financial management. Research Methodology: The methodology involved interactive discussions and hands-on practice, allowing students to engage actively in the learning process. Result: Results indicated a significant improvement in the participants' understanding of entrepreneurship, fostering confidence in their ability to start or develop their own businesses. Conclusions: This training can enhance participants' creative, technical, and social skills while also fostering entrepreneurial interest and equipping participants with important soft skills for the future. Limitations: However, the program faced limitations, such as time constraints and varying levels of prior knowledge among participants, which could affect the overall effectiveness of learning. Contributions: Nonetheless, the contributions of this initiative are noteworthy, as it not only enhanced the participants' technical skills but also promoted creativity and collaboration, ultimately strengthening the entrepreneurial ecosystem within the community. This initiative exemplifies the potential of educational institutions to play a pivotal role in economic empowerment and community development through targeted skill-building programs.