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All Journal Jurnal Kybernan JAM : Jurnal Aplikasi Manajemen Jurnal Riset Kimia Jurnal Optimasi Sistem Industri JAKU (Jurnal Akuntansi & Keuangan Unja) (e-journal) SOSIOLOGI NUSANTARA jurnal niara Jurnal Penelitian Pendidikan IPA (JPPIPA) Syntax Literate: Jurnal Ilmiah Indonesia Jurnal Kesehatan Komunitas Upajiwa Dewantara : Jurnal Ekonomi, Bisnis dan Manajemen Daulat Rakyat An-Nas : Jurnal Humaniora Pendas : Jurnah Ilmiah Pendidikan Dasar Jurnal Teknologi Pendidikan AGROMIX Acintya Sospol : Jurnal Sosial Politik Pena Justisia: Media Komunikasi dan Kajian Hukum Jurnal Akuntansi Kompetif JCOSE Jurnal Bimbingan dan Konseling Jurnal Buana Akuntansi Jurnal Manajemen Bisnis Eka Prasetya JIEB : Jurnal Ilmiah Ekonomi Bisnis Indonesian Journal of Law and Economics Review International Journal Of Science, Technology & Management (IJSTM) Mosharafa: Jurnal Pendidikan Matematika International Journal of Economics, Management, Business, and Social Science Silampari Journal Sport International Journal of Educational Review, Law And Social Sciences (IJERLAS) PUBLIKA : Jurnal Ilmu Administrasi Publik International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) International Journal Software Engineering and Computer Science (IJSECS) International Journal of Science and Society (IJSOC) Majalah Teknik Simes Jurnal Pengabdian kepada Masyarakat Indonesia (JPKMI) Jurnal Multidisiplin Madani (MUDIMA) Jurnal Amanah Kesehatan CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) jurnal administrasi politik dan sosial Jurnal ABDI MERCUSUAR Berita Kedokteran Masyarakat Edunity: Kajian Ilmu Sosial dan Pendidikan JURNAL ECONOMINA Jurnal Akuntansi Trisakti Jurnal Pengabdian Masyarakat Tapis Berseri Indonesian Journal of Society Development (IJSD) Junior Medical Journal Jurnal Ekonomi, Teknologi dan Bisnis HISTORICAL: Journal of History and Social Sciences Jurnal Informatika Ekonomi Bisnis Setyaki : Jurnal Studi Keagamaan Islam SOSIO KONSEPSIA: JURNAL PENELITIAN DAN PENGEMBANGAN KESEJAHTERAAN SOSIAL ICONESTH PEDAMAS (Pengabdian Kepada Masyarakat) Jurnal Pengabdian Masyarakat dan Riset Pendidikan Gudang Jurnal Pengabdian Masyarakat Khadem: Jurnal Pengabdian Kepada Masyarakat ARUS JURNAL SAINS DAN TEKNOLOGI Jurnal Pendidikan & Pengajaran Jurnal Kimia Unand International Health Sciences Journal PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Hikamatzu Journal of Multidisciplinary Research Akademika Fortech : Journal of Information Technology Ameena Journal Jurnal Ilmiah Manuntung: Sains Farmasi dan Kesehatan International Journal of Management, Economic and Accounting Menulis: Jurnal Penelitian Nusantara Indonesian Journal of Social Sciences, Policy and Politics (IJSSPP) Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat (HAWAJPPM) Sinergi : Jurnal Ilmiah Multidisiplin Jurnal Cakrawala Akuntansi
Afrizal
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Potensi Pembiayaan Usaha Mikro, Kecil dan Menengah oleh Perbankan di Wilayah Perbatasan Kalimantan Barat Tahun 2008 Afrizal
Jurnal Aplikasi Manajemen Vol. 7 No. 2 (2009)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (107.033 KB)

Abstract

The aim of this study was to describe and analyze the characteristics and potency of micro-small middle enterprises (UMKM) and to understand its costing potential by formal finance institution (banking) in border area of West Kalimantan. This border-site research determined two regencies, Kabupaten Sanggau (Entikong) and Kabupaten Sambas (Sajingan Besar). Some data used was primary one (sixty samples) that was obtained through field research and some questionaries and in-depth interview as well as secondary data. The findings indicated that the dominant economic activities performed in the border of Entikong and Sajingan Besar was trading and services, in which inhabitants and foreign workers as marketing coverage, as well as Serawak people as main target market. The infrastructure condition in this area was relatively bad and didn't have representative market yet. Another finding was the lack share and unavailability of fund and money sources with accessible return and the lack existence of formal financial supplier (capital investors) for small-middle enterprises. The dominant capital investors in this border area was Credit Union, without any banking existed.  
Sharia Peer-To-Peer Lending Business Model: Improving Sustainable Msme’s Financing in Indonesia Afrizal; Muhammad Yafiz; Marliyah
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 002 (2024): Pena Justisia (Special Issue)
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i3.5733

Abstract

Indonesia is a Muslim-majority country with a large market potential and a Muslim population of 85 percent. However, the number of Sharia fintech companies is still far behind compared to conventional fintech. The government in Indonesia is focusing on the halal economic and financial industry, and the Sharia P2P lending business model is being explored to increase the sustainable growth of MSME financing in the country. This research, qualitative and quantitative, uses the Analytic Network Process (ANP) method to transform primary data from in-depth interviews with experts and practitioners. According to the findings, a Sharia P2P lending business model based on the fintech ecosystem can increase long-term MSME financing by combining regulatory factors, community-based financing products, and the major ecosystem network. A business model that complies with Sharia principles and considers the needs of MSMEs is crucial for ensuring sustainability in financing. It entails developing mechanisms that increase access to MSMEs while adhering to Sharia principles, such as sustainable community-based financing products and Sharia-compliant risk adjustments.
ANALYSIS OF APPROACH AND TAKE-OFF TECHNIQUES IN THE LONG JUMP AMONG JUNIOR HIGH SCHOOL STUDENTS Hajirah; Afrizal; Fakhrur Rizal
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 6 (2025): MAY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i6.1335

Abstract

This classroom action research aims to improve the mastery of long service techniques in badminton through the This study aims to provide a detailed analysis of the approach run and take-off techniques in the long jump among eighth-grade students at SMP Negeri 1 Badar. Employing a quantitative descriptive methodology, the research utilized direct skill tests and systematic observation to gather data from a purposive sample of 20 students. The collected data were analyzed using SPSS version 20.0, with descriptive statistics revealing the central tendencies and frequency distributions of the performance scores. The findings indicate that the students' proficiency in both the approach and take-off techniques falls within a moderate category. Consequently, the overall performance in the long jump, measured by the distance achieved, was also classified as moderate. These results underscore a significant gap in the students' mastery of fundamental biomechanical principles essential for a successful jump. The study concludes by proposing targeted recommendations for Physical Education (PE) teachers and curriculum developers. These include the integration of more structured, technique-focused training regimens, the adoption of varied teaching methods to enhance student engagement and understanding, and the provision of adequate facilities to support effective skill acquisition. This research contributes to the broader effort of improving athletic pedagogy in the Indonesian junior high school context.
Beban Kognitif Siswa Pada Pembelajaran Kimia: Survey Terhadap Pelajar Sekolah Menengah Atas di Indonesia Abadi, Sela Marselyana; Irwanto; Afrizal
Jurnal Penelitian Pendidikan IPA Vol 11 No 10 (2025): October
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jppipa.v11i10.9309

Abstract

This study aims to analyze the cognitive load of students in chemistry learning and categorize the results based on grade levels. The research was conducted in the form of a survey using a quantitative approach during the second semester of the 2023/2024 academic year. The sample was taken using simple random sampling technique and consisted of 600 students from 10 public high schools and 5 private high schools from DKI Jakarta, Banten, West Java, and South Sumatra Province. The instrument used was a cognitive load questionnaire to measure two aspects of cognitive load: mental load and mental effort. Data analysis was performed using descriptive statistics and one-way ANOVA test. The findings indicate that the overall cognitive load of students is in the moderate category (M = 23.29), suggesting that most students can process the learning materials. Mental load (M = 2.92) was found to be slightly higher than mental effort (M = 2.90), implying that students experience greater cognitive demands in understanding concepts than in performing tasks. Grade X students showed the highest cognitive load, likely due to their novice-level understanding of abstract chemical concepts. The results also highlight that cognitive load can be managed and maintained at a moderate level through appropriate instructional strategies and supportive learning environments.
Factors Influencing Financial Distress in Jakarta Islamic Index (JII) Companies Listed on the Indonesia Stock Exchange, 2014-2019 Roselika Agryadini; Afrizal; Jumaili, Salman
Jurnal Cakrawala Akuntansi Vol. 15 No. 1 (2023): Jurnal Cakrawala Akuntansi
Publisher : Fakultas Ekonomi Dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jca.v15i1.46753

Abstract

This study was conducted to determine the effect of price earning ratio, inventory turn over (ITO), audit committee size, frequency of audit committee meetings, inflation, and exchange rates on financial distress in Jakarta Islamic Index (JII) companies listed on the Indonesia Stock Exchange. 2014-2019 period. The independent variables used in this study are price earning ratio, inventory turn over (ITO), audit committee size, frequency of audit committee meetings, inflation, and exchange rates. The dependent variable in this study is financial distress. This type of research is quantitative research. The population in this study is the Jakarta Islamic Index (JII) companies listed on the Indonesia Stock Exchange for the 2014-2019 period. The sample in this study was taken using purposive sampling method with a total sample of 11 companies. The data analysis used in this study is multiple linear regression analysis with the help of the SPSS program. The data in this study are secondary data obtained from the official website of IDX. The results of this study indicate that the frequency of audit committee meetings has a significant negative effect on financial distress, and the price earnings ratio has a significant positive effect on financial distress. Meanwhile, inventory turnover, audit committee size, inflation and exchange rate have no significant effect on financial distress
Co-Authors Abadi, Sela Marselyana Abu Hasan Asy'ari Adang Bachtiar ADIF, RIANDY MARDHIKA Ady Muzwardi Afri Hajiansyah , Thendy Afriani S Afrinaldy Rustam, Afrinaldy Ahlul Fikri Ahmad Solihin Akmaluddin Akmaluddin Al Faraby, Ahmad Farhan ALFI SYUKRI RAMA, ALFI SYUKRI Alfina Amiarno, Yudi Amna, Hayatul Andani Eka Putra Andriadi, Deki Anggri Yulia Fitri Annisa Dewi P Aprilla, Maya Ardansyah Arf, Nur Azizah aris Asianna Martini Simarmata Astuti Asutri, Fitri Ramashani Asyura, Khairun Bahruni . Bardan, Fadhilah Brilian Salsabila, Cherin Budiharjo Budiharjo Canddra, pivit Sptiary Christovorus Sintong Situmorang Claudie Tiofanny Crysanda Putri, Bunga Daniya Davit Long Edisyah Dedi Adha Defitriani, Anggun Defriman Djafri Desma Erica Maryati M Dhea Oktaviani Putri Dian Furwasyih Dian Setyorini Dimas Bagaskara Dinda Dwi Putrianti Donny Setiawan Dwi Budi Santoso Dwi Rohmawati Khasanah Efendi, Zulham Eko Martono Elsa Zahara Afrina Emti, Dewvi Enggar Diah PA Ernita Arif Ety Aprianti Eza Fitria, Nila Eza Yusnela Fadhila Annisa Afnel Fadhilah Fadil Irada Akram Fadlurrahman Fahrurozi Fakhrur Rizal FAKRURRADHI Fatahillah, Irfan Femi, Nur Ferdian Achsani Feriyanti Firmansyah, Dino Fitria Alisa Fredy Olimsar FRIYANI, RITA Gegoh Ananda Gina Muthia Gowon, Muhammad Gultom, Pesta Hafifah, Nurul Hajirah Halisah Suriani Hamdiah Handayani KR Hardianti, Haliza hastuti, Weni Puji Hayati, Ainul Helmi Hendry Andry Henni Indrayani Herlambang, Albert Hery Riyanto Hilal Al Ambia Ida Farida Idham, Irhamillah idkham Ilham Wahyudi Ilham Wahyudi Imelia Putri Imfrianti Augtiah Indah Afrianti Indraddin Intan Silviana Irfan Afrinal Irvan Rolyesh Situmorang Irwan Syaputra IRWANTO Ises Reni Isratul Aini Jaka Sulistia Jefri Jodi Setiawan Joni Tandi, Joni Jufri Sani Akbar Juhari Hasan Kafrina Kamarullah, Nugraha Khairi , Ahmad Khairunsyah Kontesa, Meria Kustiawan Ladipin Lenni Sastra Lhokweng, Emier Liany Alhamda Lilik Sulistyowati Linda Wahyu Marpaung Lisye Magdalena Liur Liver Nando Sng, Evin Lola Despitasari M. Duskri M. Rizal Dika Putra Mahdi Mahmuzar Mahyarni Mai Efdi Maisarah Makrus, Mohamad Marliyah Marzuki, Fakrurradhi Mashuri Masni Hayati Masrul Maulan Aklil Mauliza, Nurul Meflinda Meri Sandora Mesra B MIFTAHUL JANNAH Milandry, Anggraini Dwi Mohamad Makrus Moriana Kurnia, Rizki Muhammad Donni Muhammad Murtado Muhammad Yafiz Muhammad Yassir Muhibussailin Mukti Dian S Mulyati , Sri Munawir Mustiqowati N. Rachmadanur Nadia Sri Rezeki Nadila Aprilia Nadira Nela Safelia Norman Ferdinal Norman Ferdinal Nur Wahyuni Nurbaiti Nurdiana Nurleny, Nurleny Nursyirwan Effendi, Nursyirwan Nurvela Panca Tuah Tuha Parwati, Wiwin Dyah Ully Petrus Loo Prasetya, Arnando Pristiyono Pujakusuma, M. Anggi Putra, Dios Nugraha Putra, Ilham Chnadra Putri Hadisti Khairani Putri Nelly Syofiah Rahmad Firdaus Rahmi Handayani Rahmi Vika Ulia Ramadani, Mery Ratna Dewi RATNA LESTARI Razali, Saidaturrahmah Reni, Ises Revan, Revan Arfian Reynol Devryonda Ria Desnita Rimet, Rimet Rio Sahputra Riski Hernando Romli Roselika Agryadini RR. Ella Evrita Hestiandari Rusnam Rustam , Afrinaldy Saidaturrahmah, Saidaturrahmah Salman Jumaili sandra dewi Sawaluddin Sawaludin Sehani Septri Larasati Setiawan, Rafika Gina Siswati, Hermaini Siti Mayang Sari Siti Zalikha Sri Mulyati Sri Rezeki Sri Setiawati Suhardi Sulistyawati, Upik Sri Sunardi Surati Ningsih Suryati SUSANTI Syahputra Syarli, Zikri Adilla Syawaluddin Symon, Denas Tarigan, Herri Novita Taufik Tien Wahyu Handayani Trisiswati, Maya Tuha, Panca Tuah Ula, Multazimah Umi Fitri Lestari Valensi Kautsar, Valensi Vivi Silawati Wargianto Wasiah Sufi Weny Amelia, Weny Widalicin Januarty WIJI LESTARI Wiljan Atfentia Kotngoran Wiralestari Wirawan W Wirmie Eka Putra WISANGGARA, RANGGA Wiwik Tiswiyanti Wiwik Tiswiyanti Wulan Sari, Yane Oktavia Yeti, Febru Dekmi Yossarika Yuliana, Desi Yusriana Yusriana, Yusriana Zainudin Hasan Zulhaida