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All Journal SUPREMASI: Jurnal Pemikiran, Penelitian Ilmu-Ilmu Sosial, Hukum dan Pengajarannya JEKPEND Jurnal Ekonomi dan Pendidikan Pinisi Business Administration Review Jurnal Administrasi Bisnis Jurnal Ilmiah Pengabdian dan Inovasi IPTEK: Jurnal Hasil Pengabdian kepada Masyarakat Biner : Jurnal Ilmu Komputer, Teknik dan Multimedia ALLIRI: Journal of Anthropology Atestasi : Jurnal Ilmiah Akuntansi
Rizal S, Muh.
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Public Health Social Sciences Transportation 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.
Analisis Kinerja Ruas Jalan Akibat Adanya Aktivitas Pada Pasar : (Studi Kasus: Jalan Buncis, Kabupaten Sorong, Papua Barat Daya) Azizah Paus Paus, Nur; Rizal S, Muh.; Tavip Maryanto, Eko; Rahayu Ning Tyas, Mellany
BINER : Jurnal Ilmu Komputer, Teknik dan Multimedia Vol. 3 No. 4 (2025): BINER : Jurnal Ilmu Komputer, Teknik dan Multimedia
Publisher : CV. Shofanah Media Berkah

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Abstract

The Afternoon the market one of the busiet commercial centers in Aimas Regency, particularly during traffic congestion periods. The main issue observed is traffic conflicts that result in congestion. This study evaluates the capacity of jalan Buncis leading to the Afternoon Market in Aimas Regency the Afternoon Market, as well as the influence of roadside obstacles on traffic distribution. Data collection includes traffic data on traffic volume, vehicle speed, and road capacity we’re Collected through filed surveys around jalan buncis durung market activities. The analysis was performed using the Indonesia Highway Capacity Manual (MKJI) 1997.method. Surveys were conducted on theree different days og the on Monday, Thursday, and Sunday.The results show that peak traffic reached 199 vehicles/hour, with an average speed and saturation value during the morning peak of 357 vehicles/hour, while off-peak hours recorded 184 vehicles/hour, and the evening peak reached 262 vehicles/hour. Based on the analysis, the Level of Service (LOS) for Jalan Buncis in the Afternoon Market area is classified as Level A, indicating safe conditions, low traffic volume, high speed, and drivers being able to travel at their desired speed.
Peran Strategis Pemerintah Desa dalam Pengembangan UMKM untuk Penguatan Sektor Ekonomi Lokal Sulmiah, Sulmiah; eki, eki; S., Muh. Rizal
JEKPEND: Jurnal Ekonomi dan Pendidikan Vol 8, No 2 (2025): Juli
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jekpend.v8i2.73827

Abstract

Pengembangan Usaha Mikro, Kecil, dan Menengah (UMKM) di tingkat desa memiliki urgensi yang tinggi dalam memperkuat perekonomian lokal, namun sering terkendala oleh berbagai tantangan. Pemerintah desa sebagai unit pemerintahan terdepan memiliki peran strategis dalam mengatasi hambatan-hambatan tersebut. Penelitian ini bertujuan untuk menganalisis peran strategis pemerintah desa dalam pengembangan UMKM di Desa Timampu, Kabupaten Luwu Timur, serta merumuskan strategi yang dapat meningkatkan efektivitas pengembangan UMKM. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan studi kasus tunggal. Teknik pengumpulan data meliputi wawancara mendalam, observasi partisipatif, dan dokumentasi, sementara analisis data dilakukan menggunakan pendekatan analisis tematik yang dikombinasikan dengan analisis SWOT. Hasil penelitian menunjukkan bahwa pemerintah desa telah melakukan berbagai inisiatif untuk mendukung UMKM, namun masih terdapat kendala dalam hal koordinasi antar-stakeholder, akses permodalan, dan pemanfaatan teknologi digital. Temuan ini memberikan kontribusi terhadap pemahaman tentang pentingnya kolaborasi dan pengembangan infrastruktur digital untuk memperkuat daya saing UMKM di desa. Sebagai kesimpulan, efektivitas peran pemerintah desa dapat ditingkatkan melalui pendekatan pengembangan ekosistem yang lebih terintegrasi, serta pemanfaatan potensi lokal yang lebih optimal. Penelitian ini menyarankan perlunya investasi dalam infrastruktur digital dan penguatan kapasitas kelembagaan di tingkat desa untuk mendukung UMKM yang lebih berkelanjutan.
Diversifikasi Sport Tourism Pada Kelompok Ojek Perahu di Kawasan Wisata Rammang-Rammang Hudain, Muh. Adnan; S., Muh. Rizal; Kamaruddin, Ilham; Hasriani, Hasriani; Sofyan, Ryan Rayhana
IPTEK: Jurnal Hasil Pengabdian kepada Masyarakat Vol 5, No 1 (2025): IPTEK: Jurnal Hasil Pengabdian kepada Masyarakat
Publisher : Univeristas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/iptek.v5i1.80972

Abstract

Abstrak. Program Pengabdian kepada Masyarakat (PKM) di Kawasan Wisata Rammang-Rammang, Maros, yang berfokus pada pemberdayaan kelompok ojek perahu. Selama ini kelompok hanya mengandalkan jasa antar-jemput wisatawan menggunakan perahu tanpa adanya inovasi lain, sehingga potensi wisata lokal belum optimal dimanfaatkan. Permasalahan utama yang ditemukan adalah belum adanya diversifikasi produk wisata, khususnya sport tourism, serta minimnya pengetahuan dan keterampilan masyarakat dalam mengelola layanan wisata berbasis olahraga dan kebugaran. Untuk mengatasi hal tersebut, ditawarkan solusi berupa pengembangan inovasi wisata melalui pemetaan jalur susur sungai, penyusunan standar operasional prosedur (SOP), dan pembuatan paket wisata kombinasi susur sungai dengan masase tradisional. Selain itu, dilakukan peningkatan kapasitas sumber daya manusia melalui pelatihan susur sungai dengan standar keselamatan serta pelatihan dasar masase untuk mendukung wellness tourism. Program ini diharapkan memberi dampak sosial berupa pemberdayaan masyarakat, peningkatan keterampilan, serta penguatan identitas lokal, dan dampak ekonomi berupa peluang usaha baru, peningkatan pendapatan, serta peningkatan daya saing destinasi wisata Rammang-Rammang. Kata Kunci: Diversifikasi Wisata, Sport Tourism, Ojek Perahu, Masase Tradisional
Literasi Digital: Konvergensi Konten Promosi Usaha Mikro Kecil dan Menengah Sektor Kuliner Baharuddin, Aris; Syarifuddin; Rizal S, Muh.; Akbal, Fatimah; Pratama, Aryan Agus
Jurnal Ilmiah Pengabdian dan Inovasi Vol. 4 No. 2 (2025): Jurnal Ilmiah Pengabdian dan Inovasi
Publisher : Insan Kreasi Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57248/jilpi.v4i2.731

Abstract

Culinary SMEs in Makassar have significant economic potential, yet many struggle to adapt to digital marketing due to low digital literacy, limited content creation skills, and the absence of content convergence strategies. A needs assessment involving 50 SMEs confirmed these challenges and underscored the urgency of targeted digital capacity building. This program applied the Participatory Rural Appraisal (PRA) approach to ensure active involvement of participants in identifying needs, designing solutions, implementing training, and evaluating outcomes. Activities included workshops on social media management, creative content production, and integrated content distribution using CapCut, Canva, and Meta Business Suite. The program led to notable improvements: 85% of participants gained a better understanding of social media algorithms, 80% mastered Meta Business Suite for content convergence, and engagement rates increased from 2% to 5%. Promotional efficiency improved by 30%, accompanied by a 25% rise in digital sales conversion. PRA-based digital literacy training effectively strengthened the promotional capacity and competitiveness of culinary SMEs in the digital ecosystem. The program also contributed to the achievement of university Key Performance Indicators (IKU) through community engagement and academic output.
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.
Co-Authors ,, Nurul Wahyuni Abdullah, Faizal Adipa, Fauzan Agriyanto, Dody Akbal, Fatimah Akhmad, Nurul Atikah Alief Ali Akbar, Nur Arhas, Sitti Hardianty Aris Baharuddin Aryan Agus Pratama Aslinda, Andi Azizah Paus Paus, Nur Bakhtiar Bakhtiar Didin, Didin eki, eki Eko Tavip Maryanto Haedar Akib Hanisa, Nur Hasriani Hasriani, Hasriani Hesa W, Muhammad Hikmah, Nurul Hidayatun Hudain, Muh. Adnan Insyafiah, Muh. Fakhriawan Ismail, Ismaniar Jamaluddin Jamaluddin Kamaruddin, Ilham Kurniawan Kurniawan Mahmud, Ramlan Mandasari, Mandasari Mardatilla, Andi Mahdiana Maya Kasmita Monica, Christin Muhammad Luthfi Muhammad Rivai, Andi N Teko Batara, Enjelica Nasfat, Riska Amalia Nur, Andi Cudai Nurfadila Nurfadila, Nurfadila Nurfadillah, Amira NURLAELA NURLAELA Nurlaelah Nurlaelah, Nurlaelah R, Riska Rahayu Ning Tyas, Mellany Ramadhani, Andi Aulia Rivai, Andi Muh. Rivai, Andi Muhammad Rofifah.M, Aliyah Ryan Rayhana Sofyan, Ryan Rayhana Seppa, Yusi Irensi Sinar, Syam Sirajuddin Saleh Siti Syarifah Wafiqah Wardah Sulmiah, Sulmiah Syara, Elfiyusriningsi Syarifuddin Syarifuddin Syarifuddin Tadampali, Andi Caezar To To Taddampali, Andi Caezar Wahyudi Gani, Andika wahyuni wahyuni Wildani, Ainun Yoseph, Melvin Zainal, Henni Zainal, Nur Hikmah