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All Journal Perbanas Journal of Islamic Economics and Business Review of Islamic Social Finance and Entrepreneurship Journal of Community Service
Jaya, Yozar Putra
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Sosialisasi BPJS Ketenagakerjaan bagi Komunitas Sahabat UMKM Pamulang di Kecamatan Pamulang, Kota Tangerang Selatan Jaya, Yozar Putra; Rifa'i , Achmad; Priastiwi , Dian; Sari; Sofatunisa Ramdayani , Syofia
Sinesia : Jurnal Pengabdian Masyarakat Vol 2 No 1 (2025): Penguatan Literasi, Kesejahteraan Sosial, dan Ketahanan Masyarakat melalui Edukas
Publisher : Yayasan Penelitian Dan Pengabdian Masyarakat Sisi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69836/sinesia-jcs.v2i1.351

Abstract

The Social Security Administering Body for Employment (BPJS Ketenagakerjaan) plays a strategic role in providing protection for workers in the informal sector, including micro, small, and medium enterprises (MSMEs) that are vulnerable to work-related risks. However, the level of understanding and participation of MSME actors in this program remains low. This community service activity aims to increase literacy and awareness among MSME actors within the Sahabat UMKM Pamulang Community (SUP) in the Pamulang District, South Tangerang City, regarding the BPJS Ketenagakerjaan program. The implementation method was carried out through interactive socialization that included material presentation, group discussions, and direct question-and-answer sessions with participants. The material presented covered the introduction of the Old Age Security (JHT), Work Accident Security (JKK), Death Security (JKM) programs, and the procedures for registering as an independent participant. The results of this activity showed an increase in the interest of MSME actors to become independent participants in BPJS Ketenagakerjaan. This activity demonstrates that a communicative and community-based socialization approach is effective in increasing social security literacy among MSME actors. It is expected that follow-up activities can be conducted regularly with the support of related institutions to expand the coverage of employment protection for the informal sector.
Analisis Pembiayaan Sektor Pengangkutan dan Komunikasi Berdasarkan Jenis Penggunaan Akad pada Perbankan Syariah di Indonesia Jaya, Yozar Putra
Perbanas Journal of Islamic Economics and Business Vol 5 No 1 (2025): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v5i1.295

Abstract

Sektor pengangkutan dan komunikasi merupakan salah satu sektor penting dalam perekonomian Indonesia yang mampu menyediakan sarana dan prasarana dalam menunjang aktivitas ekonomi, termasuk integrasi perekonomian antar wilayah. Pengembangan sektor ini membutuhkan dukungan perbankan, terutama perbankan syariah, dalam menyediakan akses permodalan melalui penyaluran pembiayaan. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi tingkat pembiayaan sektor pengangkutan dan komunikasi berdasarkan jenis penggunaan akad pada perbankan syariah di Indonesia. Penelitian ini menggunakan pendekatan panel statis (unbalanced panel data) dengan data yang bersumber dari delapan Bank Umum Syariah (BUS) selama periode 2010 hingga tahun 2023. Kebaruan dari penelitian ini yaitu mengklasifikasikan pembiayaan sektor pengangkutan dan komunikasi ke dalam tiga kategori yaitu pembiayaan pada skema akad murabahah, mudharabah, dan musyarakah. Hasil studi menunjukkan bahwa variabel Non-Performing Financing (NPF) secara signifikan berpengaruh negatif terhadap ketiga skema pembiayaan. Variabel total aset secara signifikan berpengaruh positif terhadap pembiayaan berdasarkan skema akad musyarakah dan mudharabah. Sedangkan variabel rasio likuiditas hanya berpengaruh signifikan positif terhadap skema pembiayaan murabahah. Faktor eksternal (makroekonomi) seperti Gross Domestic Product (GDP), secara signifikan berpengaruh positif terhadap pembiayaan berdasarkan skema musyarakah dan mudharabah. Berdasarkan hasil penelitian, BUS hendaknya mengoptimalkan sistem monitoring yang dimiliki untuk menekan tingkat NPF yang berpengaruh signifikan negatif terhadap ketiga skema pembiayaan. Selanjutnya BUS diharapkan untuk terus meningkatkan total aset yang dimiliki sehingga mampu memberikan pembiayaan pada akad yang berbasis penyertaan aset seperti akad musyarakah dan mudharabah. Selain itu BUS juga diwajibkan meningkatkan tingkat likuiditas perbankan untuk menjaga rasio kecukupan sehingga dapat meningkatkan pembiayaan pada akad murabahah.
Does qard financing fortify the trust of bank customers? Lessons from Islamic regional banks in Indonesia Widarjono, Agus; Hendri, Zul; Shuib, Mohd Sollehudin; Jaya, Yozar Putra
Review of Islamic Social Finance and Entrepreneurship Volume 5 Issue 1, 2026
Publisher : Center for Islamic Economics and Development Studies [P3EI]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/RISFE.vol5.iss1.art1

Abstract

Purpose – This study investigates the impact of Qard financing on customer trust in Islamic banks in Indonesia using a nonlinear approach.Methodology – We examine 123 Islamic regional banks (IRBs) from 2016 to 2023 using quarterly data. The estimation method is the dynamic panel regression method using the generalized methods of moments (GMM). The trust of IRBs’ customers is proxied by third-party funds (TPF).Findings – Moderate Qard financing strengthens customer confidence; however, as it exceeds the optimal level, the effect of Qard financing on TPF becomes negative. More importantly, the results indicate that the positive impact of Qard financing on customer confidence weakens as banks face high liquidity risk. Implications – First, Qard financing must be conducted in a measurable and optimal manner to avoid risk perceptions that are likely to weaken fund collections. Second, IRBs need to warrant that the expansion of Qard financing is balanced with prudent liquidity management. The Indonesian Financial Services Authority (OJK) likely includes Qard financing as one of the IRB performance indicators.Originality – Our study is a pioneer in investigating the role of social financing in customer trust using a non-linear approach.
Co-Authors Agus Widarjono Hendri, Zul Priastiwi , Dian Rifa'i , Achmad Sari Shuib, Mohd Sollehudin Sofatunisa Ramdayani , Syofia