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Zainal, Henni
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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.
Budidaya Ikan Nila dan Pengolahan Ikan Asap dalam Meningkatkan Kesejahteraan Masyarakat di Bujjulu Kecamatan Parangloe Kabupaten Gowa Aslinda, Andi; Jamilah, Jamilah; Akmal, Muh Ikramullah; Zainal, Henni; Arifin, Ibrahim
DEDIKASI Vol 27, No 2 (2025): JURNAL DEDIKASI
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/dedikasi.v27i2.78143

Abstract

Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan kesejahteraan masyarakat Desa Bujjulu, Kecamatan Parangloe melalui pengembangan budidaya ikan nila dan pengolahan ikan asap. Program dilaksanakan dengan metode partisipatif, meliputi identifikasi potensi, sosialisasi, pelatihan, pendampingan, serta monitoring dan evaluasi. Hasil kegiatan menunjukkan peningkatan keterampilan masyarakat dalam budidaya ikan nila dengan teknologi bioflok dan pakan berbasis lokal, serta kemampuan mengolah ikan nila menjadi ikan asap yang higienis dan bernilai jual tinggi. Dampak nyata dari program ini adalah peningkatan pendapatan, diversifikasi usaha, terciptanya lapangan kerja, serta peningkatan ketahanan pangan lokal. Selain itu, penerapan teknologi ramah lingkungan turut menjaga kualitas air dan mengurangi limbah. Dengan demikian, kegiatan ini berhasil memberikan kontribusi signifikan terhadap penguatan ekonomi, sosial, dan lingkungan masyarakat Bujjulu, sekaligus mendorong terwujudnya kemandirian dan kewirausahaan lokal berbasis perikanan. Kata kunci: Budidaya ikan nila, Pengelolahan ikan asap, Kesejahteraan Masyarakat
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.
The Effect Of Online Shop The Level Of Product Sales In The Sengkang City Central Market, Tempe District, Wajo Regency Hidayat, Nurul; Akib, Haedar; Baharuddin, Aris; Zainal, Henni
Public Resource Innovation Management and Excellence November 2024, Volume 1 Number 3
Publisher : Public Resource Innovation Management and Excellence

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to find out how the influence of the Central Market of Sengkang City, Tempe District, Wajo Regency. This research uses quantitative research methods. Data collection techniques use are through observation, questionnaires and documentation. The research is a many as 77 traders at the Central Market of Sengkang City who have used an online shop to market product. The data obtained from research results were processed using data analysis and using the SPSS 25 application consisting of validity and reliability. Tebuk descriptive data analysisi and inferential statistical analysis. The results show that the indicators used in each of these variabels show that the online shop variabel and the level of sales at the Central Sengkang Market, Wajo Regency have a significant influence. Online shop with a strong sales level. And the coefitient of determination R test was obtained at 0,345 which means that the influence of the online shop on the level of product sales at the Sengkang Central Market, Wajo Regency, obtained value of 34,5%, while the remaining 65,5% was influenced by other factors.
Mapping the Socioeconomic Resilience of Vulnerable Groups in Makassar City Zainal, Henni; Fitriana, Fitriana
Public Resource Innovation Management and Excellence November 2025, Volume 2 Number 3
Publisher : Public Resource Innovation Management and Excellence

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The economic crisis is a complex phenomenon that has the potential to shake the social and economic stability of society, especially vulnerable groups. This study aims to analyze the level of socioeconomic resilience of vulnerable communities in Makassar City in facing the impact of the economic crisis. The research method used is a qualitative approach with data collection techniques through observation, interviews, and documentation. The data analysis technique used is the theory of Miles and Huberman. The results show that the level of socioeconomic resilience of vulnerable communities in Makassar City varies, influenced by factors such as income level, education, access to public services, and the strength of social networks. The economic crisis tends to worsen the socioeconomic conditions of vulnerable groups. However, several adaptation strategies such as livelihood diversification through strengthening the MSME sector, improving the quality of education and health, saving expenses, and social support have been proven to help increase their resilience. These findings provide important implications for the government in formulating more responsive and sustainable public policies to strengthen the socioeconomic resilience of vulnerable communities in facing future economic crises.
The effectiveness of local government programs in improving the performance of micro-enterprises in Takalar Regency Zainal, Henni; Ashar, Andi Idham Danal; Mahmud, Nasir
Public Resource Innovation Management and Excellence June 2025, Volume 2 Number 2
Publisher : Public Resource Innovation Management and Excellence

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk menganalisis efektivitas program-program yang dijalankan oleh pemerintah daerah dalam meningkatkan kinerja usaha mikro di Kabupaten Takalar. Usaha mikro memiliki peran strategis dalam perekonomian lokal, namun sering menghadapi berbagai kendala seperti keterbatasan modal, akses pasar, serta kemampuan manajerial yang terbatas. Pemerintah daerah telah meluncurkan berbagai inisiatif, seperti pelatihan kewirausahaan, fasilitasi perizinan, serta bantuan permodalan, namun efektivitas implementasi program tersebut belum sepenuhnya terukur secara komprehensif. Dengan menggunakan pendekatan deskriptif kuantitatif dan pengumpulan data melalui survei dan wawancara terhadap pelaku usaha mikro dan pejabat terkait, penelitian ini menemukan bahwa sebagian besar program pemerintah dinilai cukup membantu dalam meningkatkan kapasitas produksi dan pemasaran. Namun, tantangan dalam hal konsistensi pendampingan, birokrasi, dan ketepatan sasaran masih menjadi hambatan utama. Hasil penelitian ini diharapkan dapat menjadi masukan bagi pemerintah daerah untuk melakukan perbaikan kebijakan dan strategi pemberdayaan usaha mikro secara lebih terarah dan berkelanjutan.
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
Evaluation of the accountability of the achievement scholarship program in Pinrang Regency Aslinda; Zainal, Henni; Ikramullah Akmal, Muhammad; Luthfi Siraj, Muh
Daengku: Journal of Humanities and Social Sciences Innovation Vol. 5 No. 6 (2025)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.daengku4427

Abstract

Policy evaluation plays a crucial role in improving the quality of government programs. Through these evaluations, the government can identify and prevent programs that could potentially harm the public, while also assessing whether such programs are worth continuing or expanding in the future. One of the programs that will be discussed in this study is the government policy in providing scholarships to outstanding students for underprivileged students to continue their education in higher education. This program is widely disbursed by the government through the provision of educational assistance both at the provincial, city, to district level. One of them, including in Pinrang Regency, has implemented a policy in the field of education regarding the provision of educational scholarships to outstanding students. However, based on the author's observations, it was found that this policy has shortcomings, namely there are still scholarships that are not on target, especially for scholarships for underprivileged communities and the lack of firmness of the implementing committee in collecting administrative requirements, there are problems that occur in the process of determining scholarship recipients, There are recipients who have the lowest GPA below 3.50, found in C Accredited Institute or College campuses.This research has a very important urgency for academics and government agencies as policy makers to conduct analytical studies onEvaluation of the Education Scholarship Program Policy for High-Achieving Students in Pinrang Regencyand as material for consideration in making decisions in the future. The aim of this research isto analyze how the form of the Evaluation of the Education Scholarship Program Policy for Outstanding Students in Pinrang Regency. This research is a type of qualitative research with a descriptive approach with the aim of describing all problems related to the government's program policies on the Evaluation of the Education Scholarship Program Policy for Outstanding Students in Pinrang Regency. The research results show that the effectiveness of the scholarship program in Pinrang Regency is influenced by several key factors, namely the number of implementing human resources, budget allocation, and the functionality of SOPs in program management. In terms of human resources (HR), the scholarship program management involves approximately 84 staff members spread across administrative units, supervisors, supervisors, and other technical teams.
Co-Authors Akmal, Muh Ikramullah Andi Tenry Sose Aris Baharuddin Ashar, Andi Idham Danal Aslinda Aslinda, Andi Aslinda, Aslinda Danal Ashar, Andi Idham Fahrepi, Reza Farradina, Indri Fitriana Fitriana Haedar Akib Haerul, Haerul Ibrahim Arifin Ibrahim Ibrahim Ikramullah Akmal, Muhammad Jamilah Jamilah Luthfi Siraj, Muh Mahmud, Muh Nasir Mahmud, Nasir Mahmud, Ramlan Mohammad Yunus Muhammad Luthfi Muhammad Yunus Nurul Hidayat Rahma Rahma Rahmi Rahmi Rizal S, Muh. Seppa, Yusi Irensi Supiati Supiati Syarifuddin Syarifuddin Tadampali, Andi Caezar To To Taddampali, Andi Caesar