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All Journal Pinisi Business Administration Review Indonesian Journal of Social and Educational Studies Jurnal Administrasi Bisnis Journal of Business Management and Economic Development International Journal of Education, Management, and Technology International Journal of Humanities, Education, and Social Sciences Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran Atestasi : Jurnal Ilmiah Akuntansi
Zainal, Henni
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences Other

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Understanding Financial Risk Dynamics: Systematic Literature Review inquiry into Credit, Market, and Operational Risks: (A Long-life Lesson From Global Perspective to Indonesia Market Financial Strategy) Rizal S, Muh.; Siraj, Muhammad Luthfi; Syarifuddin, Syarifuddin; Tadampali, Andi Caezar To; Zainal, Henni; Mahmud, Ramlan
Atestasi : Jurnal Ilmiah Akuntansi Vol. 7 No. 2 (2024): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/atestasi.v7i2.927

Abstract

This research delves into the intricate dynamics of financial risks—specifically credit, market, and operational risks—within the banking, investment, and corporate sectors, with a focus on both global and Indonesian contexts. By examining the key factors contributing to credit risk, the impact of global market volatility on financial stability, and the operational risks associated with the digital transformation of the financial sector, the study seeks to offer a comprehensive analysis that is both theoretically robust and practically relevant. This research employs a qualitative systematic literature review (SLR) to explore credit, market, and operational risks within the banking, investment, and corporate sectors, focusing on global and Indonesian contexts. The SLR process includes formulating research questions, identifying and screening relevant literature from databases like Scopus and Google Scholar, and synthesizing findings into key themes: credit risk dynamics, market volatility, operational risks in the digital age, and integrated risk management. This research provides a comprehensive analysis of financial risk management in the banking, investment, and corporate sectors, with a focus on Indonesia and global perspectives. The study reveals that digitalization has a significant impact on operational risk, enhancing efficiency but also increasing vulnerability to cybersecurity threats and disruptions. This underscores the need for robust risk management frameworks to address technology-driven challenges. The research also highlights the importance of improving risk disclosure transparency, which can positively influence credit risk management. Liquidity risk is identified as having a greater short-term impact on financial stability than credit risk, necessitating proactive liquidity management strategies. Technological innovations in finance are found to correlate with increased risks, including failures and cybersecurity threats, which must be carefully managed. The study examines the risks associated with platform-based financing models and the influence of global market volatility on investment strategies. In Indonesia, the banking sector faces distinct credit risk challenges due to high market concentration and systemic shocks, as well as operational risks from rapid digital transformation. The research emphasizes the necessity for Indonesian financial institutions to implement comprehensive cybersecurity measures, maintain resilient IT infrastructure, and utilize advanced monitoring tools to address these emerging risks. The study also stresses the importance of adopting integrated risk management frameworks that account for the interdependencies between credit, market, and operational risks in a globalized market.
Implementation of the Merdeka Belajar – Kampus Merdeka Curriculum in Improving the Readiness of Makassar State University Students to Enter the World of Work and Industry Aslinda, Andi; Haerul, Haerul; Zainal, Henni; Akmal, Muh Ikramullah; Ibrahim, Ibrahim
International Journal of Education, Management, and Technology Vol 3 No 3 (2025): International Journal of Education, Management, and Technology
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ijemt.v3i3.7931

Abstract

This study investigates the implementation of the Merdeka Belajar Kampus Merdeka (MBKM) curriculum at Makassar State University and evaluates its effectiveness in enhancing students’ career readiness. Employing a qualitative descriptive exploratory approach within a case study framework, data were collected through interviews, observations, and document analysis. The analysis followed the interactive model of Miles, Huberman, and Saldana. Findings demonstrate that the eight MBKM programs—Student Exchange, Internship, Teaching Practice, Research, Humanitarian Project, Entrepreneurship, Independent Study, and Thematic Community Service—have significantly bridged the gap between academic learning and real-world professional demands. The MBKM initiatives have enhanced the relevance of academic content and contributed to the development of essential 21st-century soft skills, including adaptability, communication, collaboration, critical thinking, leadership, and empathy. Collaborative engagement with external partners such as industries, schools, and civil society organizations has further enriched student learning experiences. Overall, the MBKM curriculum plays a pivotal role in producing graduates who are creative, innovative, adaptive, and competitive in the global workforce. However, the study also identifies several implementation challenges, including curriculum integration, coordination with external partners, assessment mechanisms, and resource constraints. Based on these findings, the study recommends strengthening the evaluation of student learning outcomes, expanding institutional networks, improving the development of soft skills, and optimizing lecturer and mentor support to ensure the program's sustainability and long-term impact.
Lessons Learned from Policy Changes in the Poverty Alleviation Program in Jeneponto Regency, South Sulawesi Province Aslinda, Andi; Akmal, Muh Ikramullah; Zainal, Henni; Haerul, Haerul
International Journal of Humanities, Education, and Social Sciences Vol 3 No 3 (2025): International Journal of Humanities, Education, and Social Sciences
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ijhess.v3i3.7932

Abstract

This study analyzes the policy learning processes underlying poverty alleviation policy changes in Jeneponto Regency, South Sulawesi Province. With a poverty rate of 13.06%—representing approximately 49,700 individuals in 2023—Jeneponto requires a policy framework that moves beyond charitable interventions toward strategies grounded in empowerment and institutional learning. Employing a qualitative case study design, data were collected through in-depth interviews, observation, and document analysis, and were processed using the Miles and Huberman interactive model, encompassing data reduction, data display, and conclusion drawing. The findings indicate that poverty alleviation policy changes in Jeneponto are not limited to technical or administrative adjustments but emerge from an iterative policy learning process. This approach has contributed to a modest reduction in the poverty rate from 13.26% in 2022 to 13.06% in 2023. While the decrease is incremental, it signifies a shift toward more reflective, responsive, and adaptive policymaking tailored to community needs. The study concludes that policy learning—through institutional reflexivity and stakeholder engagement—is central to enhancing the effectiveness and sustainability of regional poverty alleviation efforts. The Jeneponto government’s evolving capacity for institutional and social adaptation underscores the importance of continuous learning in advancing public policy governance.
Strategi Adaptasi Perempuan UMKM dalam Menghadapi Tantangan Bisnis di Kabupaten Sidenreng Rappang Aslinda, Andi; Zainal, Henni; Akmal, Muh Ikramullah; Haerul, Haerul; Seppa, Yusi Irensi
Indonesian Journal of Social and Educational Studies Vol 6, No 2 (2025): Indonesian Journal of Social and Educational Studies (Article in Press)
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/ijses.v6i2.81001

Abstract

Abstrak. Usaha Mikro, Kecil, dan Menengah (UMKM) memainkan peran penting dalam perekonomian global, nasional maupun lokal, sebagai penggerak utama pertumbuhan ekonomi, pencipta lapangan kerja, serta agen perubahan sosial. Di berbagai wilayah termasuk Sulawesi Selatan terkhusus Kabupaten Sidenreng Rappang UMKM menjadi tulang punggung ekonomi masyarakat, terutama perempuan yang terlibat dalam sektor usaha. Sebagai upaya untuk menghadapi tantangan bisnis penting kiranya mengadopsi strategi navigasi perempuan. Adapun urgensi dari penelitian ini sangat penting bagi pembuat kebijakan dalam merancang program dan kebijakan yang lebih efektif untuk mendukung pengembangan UMKM khususnya perempuan dan yang lebih penting menuju kesetaraan gender dalam dunia usaha dan perekonomian. Strategi adaptasi dapat digunakan oleh perempuan UMKM dalam berinovasi dan kreativitas dalam pengembangan usaha.  Tujuan pada penelitian ini adalah untuk mengidentifikasi dan menganalisis strategi adaptasi perempuan UMKM dalam menghadapi tantangan bisnis dan diharapkan dapat mengidentifikasi langkah-langkah yang lebih efektif dalam mendukung pengembangan dan keberhasilan usaha perempuan UMKM. Serta menggali lebih dalam tentang straregi adaptasi yang digunakan oleh perempuan UMKM, mengevaluasi efektifitas dan dapat mengatasi tantangan bisnis.  Metode penelitian yang digunakan adalah penelitian kualitatif, penelitian ini akan melibatkan pemangku kepentingan di Kabupaten Sindenreng Rappang Sulawesi Selatan. Pengumpulan data yang digunakan dengan observasi, wawancara, dan dokumentasi. Selain itu juga melakukan diskusi kelompok terfocus (FGD) yang melibatkan 70 Informan yaitu 10 dari dinas UMKM Kabupaten Sidenreng Rappang, 10 dari Asosiasi UMKM, 10 dari konsumen dan 40 dari perempuan pelaku usaha. Analisis data yang digunakan adalah Miles dan Huberman dan alat ukur khusus penelitian kualitatif adalah Atlas TI. Hasil penelitian menunjukkan peran perempuan sebagai pelaku usaha sangat penting dalam menopang perekonomian keluarga sekaligus berkontribusi pada pembangunan ekonomi daerah. Meskipun skala usaha yang dikelola mayoritas masih mikro dan kecil, keberadaan perempuan UMKM telah menjadi motor penggerak kegiatan ekonomi lokal di Kabupaten Sidenreng Rappang. Kata Kunci: Strategi; Adaptasi; Perempuan; UMKM; Tantangan Bisnis Global
Strategi Penguatan Kurikulum Berbasis MBKM dalam meningkatan Kesiapan Karir Mahasiswa Universitas Negeri Makassar (UNM) di Dunia Industri Aslinda, Aslinda; Haerul, Haerul; Zainal, Henni; Akmal, Muh Ikramullah; Seppa, Yusi Irensi
Indonesian Journal of Social and Educational Studies Vol 6, No 2 (2025): Indonesian Journal of Social and Educational Studies (Article in Press)
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/ijses.v6i2.81002

Abstract

Abstrak. Penelitian ini bertujuan untuk mengeksplorasi strategi penguatan kurikulum berbasis Merdeka Belajar Kampus Merdeka (MBKM) dalam meningkatkan kesiapan karir mahasiswa Universitas Negeri Makassar (UNM) terhadap kebutuhan dunia industri yang semakin kompetitif di era revolusi industri. Pendekatan penelitian yang digunakan adalah kualitatif dengan metode wawancara mendalam, observasi, dan triangulasi sumber. Analisis data dilakukan menggunakan model interaktif, disertai dengan needs assessment untuk mengidentifikasi kesenjangan antara kondisi aktual dan ideal implementasi kurikulum MBKM di UNM. Hasil penelitian menunjukkan bahwa meskipun UNM telah menerapkan berbagai program MBKM seperti pertukaran mahasiswa, magang, penelitian, proyek kemanusiaan, kewirausahaan, studi independen, dan KKN tematik, implementasinya belum sepenuhnya mampu menjawab tuntutan dunia kerja. Ditemukan sejumlah kesenjangan kompetensi (competency gap) antara capaian pembelajaran mahasiswa dan ekspektasi industri, terutama dalam aspek keterampilan praktis, soft skills, serta kesiapan profesional. Dunia industri menuntut lulusan yang tidak hanya unggul secara akademik, tetapi juga adaptif, komunikatif, berpikir kritis, dan menguasai teknologi digital. Berdasarkan hasil analisis kebutuhan, dirumuskan enam strategi penguatan kurikulum MBKM di UNM, yaitu: (1) integrasi kurikulum dengan kebutuhan industri melalui pendekatan Outcome-Based Education; (2) penguatan kemitraan strategis dengan dunia usaha dan dunia industri (DUDI); (3) peningkatan kompetensi dosen dan pembimbing MBKM; (4) penguatan soft skills dan employability skills mahasiswa; serta (5) pengembangan sistem sertifikasi dan (6) Monitoring dan evaluasi berkelanjutan. Strategi ini diharapkan mampu memperkuat relevansi pendidikan tinggi dengan kebutuhan dunia kerja dan meningkatkan daya saing global lulusan UNM. Kata Kunci: MBKM, kurikulum, kesiapan karir, dunia industri
Implementation of Good Corporate Governance (GCG) Principles at PT. Telkom Indonesia Rizal S, Muh; Zainal, Henni
Pinisi Business Administration Review Volume 5 Nomor 1, March 2023
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/pbar.v5i1.45210

Abstract

Implementation of corporate governance (corporate governance) is seen as very important as one of the things to maintain the sustainability of the company's business in the long term that prioritizes the interests of shareholders (shareholders) and stakeholders (stakeholders). The purpose of this research is to analyze the implementation of the principles of Good Corporate Governance (GCG) in Indonesia. The method used in this research is literature study. Literature study is a research approach that is carried out by looking for references on a theoretical basis that is relevant to the cases or problems found. These references can be found in books, journals, research report articles, and online sites on the internet. The output resulting from the literature study is the collection of references that are relevant to the problem formulation. The principles of Good Corporate Government at PT. Telkom Indonesia has a very high percentage interpretation.
Analysis of Perumda Market Revenue Growth in Supporting Makassar City Post Covid-19 Supiati, Supiati; Zainal, Henni
Pinisi Business Administration Review Volume 5 Nomor 1, March 2023
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/pbar.v5i1.44272

Abstract

 Market levies are a source of regional income which greatly contributes to the regional original income (PAD) of Makassar City. It can be proven that the Effectiveness ratio can reach the criteria of very effective, and effective, except in May the effectiveness ratio only reached the Effective ratio, this is caused by several factors including the limited facilities / services provided by the government, the number of traders who are actively selling, less than optimal billing and lack of awareness of traders in fulfilling their obligations. While the contribution ratio shows that the contribution of levies to regional original income (PAD) to Makassar City is very good, with an average contribution of 98.66%. which means that Perumda Pasar services to traders are considered very good. While the Growth Rate of Market Service Charges achieved during 2021 post-Covid - 19 was an average of 93.16% with Very Successful Criteria, which means that Market Service Charges during 2021 experienced very good growth in contributing to Regional Original Revenue (PAD) ) Makassar city.
The Role of Artificial Intelligence in Improving the Effectiveness and Transparency of Public Services in Makassar City Zainal, Henni; Mahmud, Muh Nasir
Jurnal Administrasi Bisnis VOL 5, NO 1 (2026) January
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jab.v5i1.82393

Abstract

Digital transformation has become a strategic agenda for local governments to improve the quality of effective, efficient, and transparent public services. One technology that has great potential in supporting this agenda is Artificial Intelligence (AI). The application of AI in public services enables faster, more accurate, and more responsive service processes to community needs, while minimizing maladministration practices. This study aims to analyze the role of Artificial Intelligence in improving the effectiveness and transparency of public services in Makassar City, as well as identifying opportunities and challenges for its implementation in the context of local government. The research method used is a qualitative approach with a descriptive-analytical design. Data collection techniques were carried out through in-depth interviews with local government officials, digital service system managers, and public service users, and supported by documentation studies of policies, performance reports, and digital-based public service application systems implemented in Makassar City. Data analysis was carried out through the stages of data reduction, data presentation, and systematic conclusion drawing. The results of the study indicate that the use of Artificial Intelligence in public services in Makassar City plays a significant role in increasing service effectiveness, especially in aspects of service speed, decision-making accuracy, and improving the quality of interaction between the government and the community. In addition, AI also contributes to increasing service transparency through service tracking systems, information automation, and more accountable and real-time data management. However, this study also found several challenges in AI implementation, including limited human resource capacity, digital infrastructure readiness, data integration between agencies, and issues of ethics and personal data protection. This study concluded that Artificial Intelligence has a strategic role in supporting bureaucratic reform and good governance in Makassar City. Therefore, a comprehensive policy strategy, strengthening the capacity of the apparatus, and multi-stakeholder collaboration are needed to ensure the implementation of AI is sustainable, inclusive, and oriented towards the public interest.
Co-Authors Akmal, Muh Ikramullah Andi Tenry Sose Aslinda, Andi Aslinda, Aslinda Danal Ashar, Andi Idham Fahrepi, Reza Farradina, Indri Haerul, Haerul Ibrahim Ibrahim Mahmud, Muh Nasir Mahmud, Ramlan Muhammad Luthfi Rizal S, Muh. Seppa, Yusi Irensi Supiati Supiati Syarifuddin Syarifuddin Tadampali, Andi Caezar To To Taddampali, Andi Caesar