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Analisis Tantangan dan Peluang Perbankan Syariah di Kabupaten Sinjai Syamsul; Muhammad Fajrin Adnan; Saiful Muchlis; Lince Bulutoding
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 4 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i4.6912

Abstract

The Islamic banking and finance industry in Indonesia in general faces significant challenges and opportunities in the face of a growing competitive market. Although the majority of Indonesia's population is Muslim, this is not enough to support the development of the Islamic economy, especially Islamic financial institutions. Public awareness of Islamic banking and financial literacy is still very low. This implies that there are still many people who do not understand sharia principles in economic activities and align Islamic banks with conventional banks. Then, the lack of regulation and government support as well as sharia compliance are the main concerns of Islamic financial institutions. However, in the midst of these challenges, there are very potential opportunities for the Islamic banking and finance industry to grow and expand market reach. By increasing public awareness through socialization, literacy programs, providing adequate regulatory support, and implementing financial technology and strategic partnerships, this industry can make a greater contribution in strengthening the Indonesian economy in general and in Sinjai district in particular. In conclusion, these strategic measures will greatly assist the Islamic banking and finance industry in overcoming challenges and capitalizing on better future opportunities.
Pengaruh Persepsi Pelaku Usaha Atas Tujuan Laporan Keuangan dan Pengetahuan Akuntansi Terhadap Penyusunan Laporan Keuangan Pada UMKM di Kecamatan Palu Barat : The Influence of Business Actors' Perceptions of the Purpose of Financial Reports and Accounting Knowledge on the Preparation of Financial Reports in MSMEs in West Palu District Nurul Vadya Rusli; Syamsul; Olivia H. Munayang
Jurnal Kolaboratif Sains Vol. 7 No. 3: MARET 2024
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (138.62 KB) | DOI: 10.56338/jks.v2i1.846

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh persepsi pelaku usaha atas tujuan laporan keuangan dan pengetahuan akuntansi terhadap penyusunan laporan keuangan. Jenis data dalam penelitian ini adalah kuantitatif dengan menggunakan data primer yang didapatkan dengan cara menyebarkan kuesioner kepada responden. Populasi dalam penelitian ini yaitu UMKM yang berada di Kecamatan Palu Barat dan sampel yang digunakan sebanyak 42 UMKM yang didapatkan menggunakan rumus slovin. Teknik penarikan sampel dalam penelitian ini yaitu teknik nonprobability sampling dengan purposive sampling yang di pilih berdasarkan pertimbangan dari peneliti. Hasil dari penelitian ini menjelaskan bahwa variabel persepsi pelaku usaha atas tujuan laporan keuangan berpengaruh signifikan terhadap variabel penyusunan laporan keuangan sedangkan variabel pengetahuan akuntansi tidak berpengaruh signifikan terhadap variabel penyusunan laporan keuangan.
KONSORSIUM MIKROBA LINTAS KINGDOM DALAM BIOREMEDIASI LIMBAH CAIR DENGAN PENDEKATAN INTEGRATIF OMIK DAN EKOLOGI SINTETIS: SUATU LITERATURE REVIEW syamsul; Hala, Yusminah
Jurnal Biogenerasi Vol. 10 No. 4 (2025): Volume 10 nomor 4 tahun 2025 Terbit Oktober-Desember 2025
Publisher : Universitas Cokroaminoto Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30605/biogenerasi.v10i4.7455

Abstract

Wastewater bioremediation demonstrates substantially improved performance when employing cross-kingdom microbial consortia, as bacteria, fungi, and microalgae complement one another in carrying out successive stages of organic and persistent pollutant degradation. This review summarizes current findings on the functional mechanisms of such consortia, including metabolic division of labor, metabolite exchange, enzymatic complementarity, and the role of biofilms in maintaining community stability. The literature indicates that cross-kingdom systems are highly effective in removing pollutants such as hydrocarbons, synthetic dyes, pharmaceuticals, nutrients, and microplastics. The integration of omics approaches provides a clearer understanding of the genes, metabolic pathways, and cellular activities involved in degradation processes. Synthetic ecology contributes to strengthening consortium design through spatial arrangement, directed functional roles, and controlled interspecies interactions. Overall, cross-kingdom microbial consortia supported by omics analyses and synthetic ecological concepts offer a solid foundation for developing more efficient and sustainable. wastewater bioremediation systems.