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All Journal Jurnal Minfo Polgan (JMP) Journal of Finance and Islamic Banking Suhuf: International Journal of Islamic Studies
Ruspita Rani Pertiwi
Universitas Islam Negeri Sunan Kalijaga
Religion Computer Science & IT Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences

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Operational Efficiency Matter? Financing Diversification and Non-Performing Financing in Indonesian Islamic Rural Banks Ratih Avisya; Ruspita Rani Pertiwi; Slamet Haryono; Yasni Efyanti
Journal of Finance and Islamic Banking Vol. 9 No. 1 (2026)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v9i1.13996

Abstract

Purpose: This study examines the moderating role of the cost-to-income ratio (BOPO) in the relationship between financing diversification (FINDIV) and Non-Performing Financing (NPF) in Indonesian Islamic Rural Banks (BPRS). It aims to determine whether operational efficiency strengthens the effectiveness of financing diversification as a financing risk management strategy. Method: This study employs a quantitative approach using balanced panel data from the quarterly financial reports of 15 BPRS during Q1 2021–Q4 2024, resulting in 240 observations. Panel regression analysis is applied to test the direct and moderating effects among the variables. Results: The findings show that financing diversification has no significant direct effect on NPF. However, operational efficiency, indicated by a lower BOPO ratio, significantly reduces financing risk. BOPO also significantly moderates the relationship between financing diversification and NPF, suggesting that diversification becomes more effective in reducing financing risk when banks operate efficiently. Implications: These findings imply that diversification alone is insufficient to mitigate financing risk; its effectiveness depends on operational efficiency and the bank’s ability to manage portfolio complexity. Originality: This study provides empirical evidence on the moderating role of operational efficiency in the diversification–risk nexus within Indonesian Islamic Rural Banks.
Pemanfaatan Kecerdasan Buatan dalam MSDM di Era Society 5.0: Peluang dan Tantangan terhadap Produktivitas Karyawan Silviana Rahma Dewi; Ruspita Rani Pertiwi
Jurnal Minfo Polgan Vol. 15 No. 3 (2026): Artikel Penelitian
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/jmp.v15i3.16399

Abstract

Penelitian ini bertujuan untuk menganalisis pemanfaatan Artificial Intelligence (AI) dalam Manajemen Sumber Daya Manusia (MSDM), mengidentifikasi peluang dan tantangan implementasinya, serta mengkaji dampaknya terhadap peningkatan produktivitas karyawan di era Society 5.0. Penelitian menggunakan metode Systematic Literature Review (SLR) dengan pendekatan PICOC (Population, Intervention, Comparison, Outcome, Context). Proses pencarian literatur dilakukan melalui Google Scholar, Scopus, SINTA, dan ResearchGate pada periode publikasi 2018–2026. Dari 326 artikel yang ditemukan, diperoleh 15 artikel yang memenuhi kriteria inklusi dan dianalisis menggunakan teknik analisis tematik. Hasil penelitian menunjukkan bahwa implementasi AI dalam MSDM telah diterapkan pada berbagai fungsi seperti rekrutmen dan seleksi, evaluasi kinerja, pelatihan dan pengembangan karyawan, talent management, serta pengambilan keputusan berbasis data. Pemanfaatan AI memberikan berbagai peluang berupa peningkatan efisiensi kerja, akurasi pengambilan keputusan, efektivitas pengelolaan SDM, serta peningkatan produktivitas karyawan. Namun demikian, implementasi AI juga menghadapi sejumlah tantangan, antara lain risiko dehumanisasi, bias algoritma, keamanan dan privasi data, serta rendahnya kompetensi digital sumber daya manusia. Penelitian ini menyimpulkan bahwa AI memiliki peran strategis dalam meningkatkan produktivitas karyawan dan efektivitas organisasi di era Society 5.0, namun keberhasilannya memerlukan dukungan literasi digital, tata kelola etika AI, dan sistem keamanan data yang memadai agar manfaat teknologi dapat dioptimalkan secara berkelanjutan. Kata Kunci: Artificial Intelligence, MSDM, Produktivitas Karyawan, Society 5.0, Systematic Literature Review.
Sharia Financial Literacy in the Digital Era: The Role of the Younger Generation in Embracing the Transformation of Islamic Finance Fauzia Kamila Hayati; Ruspita Rani Pertiwi
Suhuf: International Journal of Islamic Studies Vol. 37 No. 2 (2025): November
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/suhuf.v37i2.11170

Abstract

The level of Islamic financial literacy among the younger generation remains relatively low, while digital transformation in the financial sector is developing rapidly. This situation then creates a gap between the ability to utilise technology and an adequate understanding of Islamic financial concepts. This study aims to systematically review the academic literature on Islamic financial literacy among the younger generation in the digital era, identifying opportunities, challenges, and strategies for improving literacy. The method used was a Systematic Literature Review (SLR) of 20 scientific articles published between 2018 and 2025, focusing on three main aspects: literacy level, utilization of digitalization, and challenges in disseminating Islamic financial education. The study results indicate that digitalization has significant potential to increase access and effectiveness of Islamic financial education through social media platforms, financial applications, and digital banking services. However, most educational content remains descriptive, lacks interactivity, and is not fully aligned with the characteristics of the younger generation. Therefore, a collaborative strategy is needed between Islamic financial institutions, educational institutions, and other stakeholders to develop engaging, applicable, and sustainable Islamic financial literacy content. This research offers important implications for developing a more innovative and relevant Islamic financial education model tailored to the needs of the younger generation in the digital era.
Co-Authors Fauzia Kamila Hayati Ratih Avisya Silviana Rahma Dewi Slamet Haryono Yasni Efyanti