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All Journal Jurnal Manajemen Terapan dan Keuangan Journal of Economics, Business, & Accountancy Ventura Syntax Literate: Jurnal Ilmiah Indonesia Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Ners Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal Of Science, Technology & Management (IJSTM) Jurnal Nuansa Akademik: Jurnal Pembangunan Masyarakat Jurnal Riset Ilmu Ekonomi Jurnal Riset Ilmu Ekonomi dan Bisnis Journal of Comprehensive Science Bandung Conference Series: Economics Studies Journal of Islamic Economics Lariba Journal of Social Science and Business Studies Journal of Marketing Management and Innovative Business Review Dinamika Ekonomi: Jurnal Kajian Ekonomi dan Pembangunan Maneggio
Ima Amaliah
Ekonomi Pembangunan Fakultas Ekonomi & Bisnis Universitas Islam Bandung
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Pengaruh Pengetahuan Kewirausahaan, Keterampilan Wirausaha, Lama Usaha terhadap Keberhasilan Usaha pada UMKM Mebel di Kecamatan Tarogong Kaler Kabupaten Garut Rai Arya Dwi Putra; Ima Amaliah
Bandung Conference Series: Economics Studies Vol. 4 No. 3 (2024): Bandung Conference Series: Economics Studies
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcses.v4i3.15460

Abstract

Abstract. The source of the GRDP Growth Rate of Garut Regency According to Business Fields in 2018-2022 obtained from the BPS Garut Regency website shows that the agriculture, forestry and fisheries sectors can be said to be dominant in the last 5 years with a value of 1.43% compared to the manufacturing industry sector which is ranked 3rd after mining and quarrying with a value of 0.56% where the manufacturing industry can still be said to be a leading sector in the GRDP growth rate of Garut Regency. Since 2020 to 2022, almost all MSMEs or furniture stores in Garut City have experienced a significant decline in their economic sector so that not a few MSMEs or furniture stores prefer to close. From the research activities on the furniture MSMEs, it aims to analyze the influence of entrepreneurial knowledge, entrepreneurial skills and length of business partially and together on business success in Furniture MSMEs in Tarogong District, Garut Regency. The research method uses a quantitative descriptive approach. The analysis model in this study uses multiple regression analysis using the Ordinary Least Square (OLS) method. The data used in this study are primary and secondary data. Primary data in the form of questionnaires and secondary data obtained from BPS publications. Measurement of variables using a Likert scale of 5. The population in this study were 26 MSME Furniture entrepreneurs in Tarogong Kaler District, Garut Regency. Because the population is not large, the entire population was used as a sample. The sampling technique in this study used accidental sampling Abstrak. Sumber Laju Pertumbuhan PDRB Kabupaten Garut Menurut Lapangan Usaha pada tahun 2018-2022 yang diperoleh dari website BPS Kabupaten Garut menunjukkan bahwa sektor pertanian, kehutanan dan perikanan dapat dikatakan dominan dalam kurun waktu 5 tahun terakhir dengan nilai sebesar 1,43% dibandingkan dengan sektor industri manufaktur yang menempati peringkat 3 setelah pertambangan dan penggalian dengan nilai 0,56% yang dimana industri manufaktur masih dapat dikatakan sektor unggulan dalam laju pertumbuhan PDRB Kabupaten Garut. Sejak tahun 2020 hingga tahun 2022, hampir semua UMKM atau toko mebel di Kota Garut mengalami penurunan signifikan pada sektor ekonominya sehingga tidak sedikit UMKM atau toko mebel yang lebih memilih tutup. Dari kegiatan penelitian terhadap UMKM mebel tersebut mempunyai tujuan Untuk menganalisis pengaruh pengetahuan kewirausahaan, keterampilan wirausaha dan lama usaha secara parsial dan bersama-sama terhadap keberhasilan usaha pada UMKM Mebel di Kecamatan Tarogong Kabupaten Garut. Metode penelitian menggunakan pendekatan deskriptif kuantitatif. Model analisis pada penelitian ini menggunakan analisis regresi berganda dengan menggunakan metode Ordinary Least Square (OLS). Data yang digunakan dalam penelitian ini adalah data primer dan sekunder. Data primer berupa kuisioner dan data sekunder diperoleh dari publikasi BPS. Pengukuran variabel menggunakan skala likert 5. Populasi pada penelitian ini yaitu para pelaku usaha UMKM Mebel Di Kecamatan Tarogong Kaler Kabupaten Garut yang berjumlah 26 pelaku usaha. Dikarenakan jumlah populasi tidak banyak maka seluruh populasi dijadikan sampel. Teknik pengambilan sampel dalam penelitian ini menggunakan accidental sampling.
Red Ocean Strategy: Quadran Strategy in Building Bandung City Mosque Cooperative Amaliah, Ima; Aspiranti, Tasya
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 1 (2022)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (302.595 KB) | DOI: 10.29313/amwaluna.v6i1.7948

Abstract

The purpose of this study is how to optimize the problem solving of the Mosque Cooperative in Bandung City through the transformation of generic strategies and social innovation catalysts with the Red Ocean Management Strategy approach. Two steps have been taken, namely the identification of SWOT and the selection of generic strategies and social innovation catalysts through the Red Ocean Management Strategy approach. The results of the IFE and EFE SWOT analysis and are stated in the quadrant matrix identified in quadrant III, namely the mosque cooperative in a weak and threatened condition, where this condition is unfavorable for the mosque cooperative, which is dominated by the organization's internal weaknesses and threatened by the external environment. The Red Ocean strategy that must be carried out by mosque cooperative managers is focus and product differentiation by catalyzing innovation in the service process with priority on improving internal management.
Pengaruh Program Tanggung Jawab Sosial dan Lingkungan terhadap Keberdayaan UMK Binaan Shaffa Septiani Aisy; Ima Amaliah
Jurnal Riset Ilmu Ekonomi dan Bisnis Volume 4, No. 1, Juli 2024, Jurnal Riset Ilmu Ekonomi dan Bisnis (JRIEB)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrieb.v4i1.3699

Abstract

Abstract. MSE empowerment aims to build awareness of MSE potential and overcome problems such as lack of capital, quality of resources, and low access to financial institutions. SOEs, especially PT Bio Farma, contribute to MSE funding programs as part of Social and Environmental Responsibility (TJSL), providing loan assistance for business capital. However, its implementation shows a decrease in funds and a collectability rate, indicating that installment receipts are less than optimal. This indicates that the funds have not been used optimally for business development. Work motivation is recognized as an important factor in supporting the empowerment of MSEs. This study aims to evaluate the influence of CSR and work motivation on the empowerment of MSEs of PT Bio Farma in the Greater Bandung area. The research method used is quantitative descriptive. This type of research is verifiative. Data analysis in this study used the SmartPLS 4.0 program. The results of the study show that TJSL has a positive effect on the Empowerment of MSEs Assisted by PT Bio Farma (Persero), TJSL has a positive effect on the Work Motivation of MSEs Assisted by PT Bio Farma (Persero), and Work Motivation has a positive effect on the Empowerment of MSEs Assisted by PT Bio Farma (Persero). Abstrak. Pemberdayaan UMK bertujuan membangun kesadaran potensi UMK dan mengatasi permasalahan seperti kurangnya modal, kualitas sumber daya, dan rendahnya akses ke lembaga keuangan. BUMN, khususnya PT Bio Farma, berkontribusi dengan program pendanaan UMK sebagai bagian dari Tanggung Jawab Sosial dan Lingkungan (TJSL), memberikan bantuan pinjaman untuk modal usaha. Namun, pelaksanaannya menunjukkan penurunan dana dan tingkat kolektabilitas, menandakan penerimaan angsuran kurang maksimal. Hal ini mengindikasikan bahwa dana belum digunakan secara optimal untuk pengembangan usaha. Motivasi kerja diakui sebagai faktor penting dalam mendukung keberdayaan UMK. Penelitian ini bertujuan mengevaluasi pengaruh TJSL dan motivasi kerja terhadap keberdayaan UMK PT Bio Farma di wilayah Bandung Raya. Metode penelitian yang digunakan adalah deskriptif kuantitatif. Jenis penelitian ini yaitu verifikatif. Analisis data pada penelitian ini menggunakan program SmartPLS 4.0. Hasil dari penelitian menunjukkan bahwa TJSL berpengaruh positif terhadap Keberdayaan UMK Binaan PT Bio Farma (Persero), TJSL berpengaruh positif terhadap Motivasi Kerja UMK Binaan PT Bio Farma (Persero), dan Motivasi Kerja berpengaruh positif terhadap Keberdayaan UMK Binaan PT Bio Farma (Persero).
Strategi Pengembangan Pariwisata di Pantai Suwuk Zakiyah Hayati; Ima Amaliah
Jurnal Riset Ilmu Ekonomi dan Bisnis Volume 4, No. 2, Desember 2024, Jurnal Riset Ilmu Ekonomi dan Bisnis (JRIEB)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrieb.v4i2.5027

Abstract

Abstrak. Pariwisata memiliki potensi besar untuk meningkatkan Pendapatan Asli Daerah, yang akan berdampak positif pada keuangan daerah. Jawa Tengah, terutama Kabupaten Kebumen, menawarkan peluang yang menarik di sektor ini, terutama di Pantai Suwuk. Penelitian ini dilakukan dengan metode deskriptif kuantitatif yang menggunakan analisis data berbasis skoring dan persentase dari hasil kuesioner skala Likert, juga dengan penyusunan analisis SWOT. Penelitian tersebut menemukan bahwa kekuatan Pantai Suwuk terletak pada keindahan alam, suasana sejuk, lokasi yang strategis, fasilitas seperti wahana, Coastguard, area bahaya, tiket dengan harga terjangkau, kebersihan pantai, petunjuk arah, dan juga tersedianya tempat ibadah. Kelemahan termasuk terbatasnya tempat menginap, minimnya pemandu wisata, warung yang sederhana, jarangnya transportasi, tidak adanya CCTV, layanan kesehatan yang jauh, minimnya promosi, investasi, dan fasilitas penitipan barang. Peluang yang ada mencakup dukungan dari komunitas, fasilitas umum, aksesori yang unik, jalan tol yang tersedia, transportasi menuju pantai, kebijakan pemerintah, dan juga partisipasi dari UMKM. Bahaya yang harus diwaspadai termasuk pungutan ilegal, persaingan dengan destinasi wisata lain, kerusakan lingkungan di area pantai, jalan berliku, dan ombak tinggi. Disarankan untuk menerapkan strategi pengelolaan dengan menggunakan pendekatan S-O yang melibatkan kolaborasi antara masyarakat, pemerintah, dan sektor swasta. Abstract. Tourism has great potential to increase Local Revenue, which will have a positive impact on regional finances. Central Java, especially Kebumen Regency, offers interesting opportunities in this sector, especially in Suwuk Beach. This study was conducted using a quantitative descriptive method using scoring and percentage-based data analysis from the results of a Likert scale questionnaire, as well as the preparation of a SWOT analysis. The study found that the strengths of Suwuk Beach lie in its natural beauty, cool atmosphere, strategic location, facilities such as rides, Coastguard, danger areas, affordable tickets, beach cleanliness, directions, and the availability of places of worship. Weaknesses include limited accommodation, lack of tour guides, simple stalls, lack of transportation, no CCTV, distant health services, lack of promotion, investment, and storage facilities. Opportunities include community support, public facilities, unique accessories, available toll roads, transportation to the beach, government policies, and participation from MSMEs. Dangers to watch out for include illegal levies, competition with other tourist destinations, environmental damage in the coastal area, winding roads, and high waves. It is recommended to implement a management strategy using the S-O approach which involves collaboration between the community, government and private sector.
PENGARUH PREFERENSI DAN MINAT TERHADAP KEPUTUSAN MILENIAL DALAM KREDIT PEMILIKAN RUMAH DI BJB TAMANSARI BANDUNG Nurrunnajmi, Tirahaifa; Amaliah, Ima
Jurnal Manajemen Terapan dan Keuangan Vol. 13 No. 05 (2024): Jurnal Manajemen Terapan dan Keuangan (Edisi Khusus)
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v13i05.35659

Abstract

Nowadays, house prices are increasingly soaring, which impacts the Millennial generation's ability to buy a house. The millennial generation will find it difficult to own a home because the increasingly expensive house prices do not match the income earned. This study aims to understand the influence of preferences and intention on millennial purchasing decisions in home ownership loans at BJB Tamansari Bandung. The method used is descriptive quantitative. In this study, researchers gave questionnaires to 100 respondents of BJB Tamansari Bandung millennial customers and processed them using the Smart PLS-SEM 3.0 application. The results showed that preferences and intentions partially influenced millennial decisions in home ownership loans at BJB Tamansari Bandung. In comparison, intention does not directly affect millennial customer preferences in mortgage loans. The reason is the economic factors faced by millennial groups. Property market conditions, lifestyle, education level, and job mobility influence interest in buying a mortgage.
Dinamika Ekonomi di Masa Pandemi dan Pengaruhnya Terhadap Penerimaan Zakat BAZNAS Al Rifah, Cecep Fauzan; Amaliah, Ima
Dinamika Ekonomi Vol 16, No 1 (2025): DINAMIKA EKONOMI : Jurnal Kajian Ekonomi dan Pembangunan
Publisher : UPT Publikasi Ilmiah (Universitas Islam Bandung)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jde.v16i1.4343

Abstract

Penelitian ini mengkaji pengaruh faktor ekonomi makro seperti Laju pertumbuhan ekonomi (LPE), Produk Domestik Bruto per-kapita, dan Inflasi terhadap Jumlah Penerimaan Zalat BAZNAS pada masa pandemi Covid-19. Penelitian ini menggunakan data kuantitatif time series bulanan, dari Maret 2020 hingga Juni 2023. Penelitian ini diolah menggunakan analisis regresi linier berganda dengan OLS (Ordinary Least Square). Penelitian ini menghasilkan analisis yang menjelaskan bahwa variabel LPE dan PDB per-kapita merupakan faktor yang memiliki pengaruh positif dan signifikan terhadap jumlah penerimaan zakat. PDB per-kapita menjadi variabel penting dengan tingkat signifikansi sebesar 4,41 persen. Sedangkan variabel inflasi merupakan faktor yang memiliki pengaruh negatif dan tidak signifikan bagi jumlah penerimaan zakat. Penelitian ini menyimpulkan bahwa faktor ekonomi makro khususnya LPE dan PDB per-kapita berperan positif dan signifikan bagi jumlah penerimaan zakat yang di terima BAZNAS pada masa pandemi Covid-19.
Pengaruh PDB, Inflasi, dan PMA terhadap IPEI di Indonesia Tahun 2011-2023 Haikal Qolbi Al Qosam; Ima Amaliah
Jurnal Riset Ilmu Ekonomi dan Bisnis Volume 5, No. 1, Juli 2025, Jurnal Riset Ilmu Ekonomi dan Bisnis (JRIEB)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrieb.v5i1.6405

Abstract

Pembangunan ekonomi inklusif menjadi prioritas penting di Indonesia untuk memastikan pertumbuhan ekonomi yang berkeadilan dan berkelanjutan. Meski Indonesia telah mencatat pertumbuhan ekonomi positif, tingkat ketimpangan dan kemiskinan masih tinggi, yang menunjukkan manfaat pertumbuhan belum terdistribusi secara merata. Penelitian ini bertujuan untuk menganalisis pengaruh produk domestik bruto, inflasi, dan investasi asing langsung terhadap indeks pembangunan ekonomi inklusif di Indonesia selama periode 2011-2023. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis regresi linier berganda berbasis Ordinary Least Square (OLS). Data yang digunakan adalah data sekunder yang diperoleh dari Badan Pusat Statistik (BPS), Bank Indonesia (BI), dan Badan Perencanaan Pembangunan Nasional (Bappenas). Variabel terikat adalah indeks pembangunan ekonomi inklusif, sedangkan variabel bebas mencakup produk domestik bruto, inflasi, dan investasi asing langsung. Data yang digunakan adalah data tahun dari 2011-2023. Hasil penelitian menunjukkan bahwa produk domestik bruto memiliki pengaruh positif signifikan terhadap indeks pembangunan ekonomi inklusif, sementara inflasi memiliki pengaruh negatif signifikan. Investasi asing langsung memiliki pengaruh positif tetapi tidak signifikan. This study aims to analyze the influence of gross domestic product, inflation, and foreign direct investment on the inclusive economic development index in Indonesia during the 2011-2023 period. This research employs a quantitative approach using multiple linear regression analysis based on Ordinary Least Square (OLS). The study utilizes secondary data obtained from the Central Bureau of Statistics (BPS), Bank Indonesia (BI), and the National Development Planning Agency (Bappenas). The dependent variable is the inclusive economic development index, while the independent variables include gross domestic product, inflation, and foreign direct investment. The data used spans from 2011 to 2023. The results show that gross domestic product has a significant positive effect on the inclusive economic development index, while inflation has a significant negative effect. Foreign direct investment has a positive but insignificant effect. Based on these findings, the government is advised to improve human resource quality, control inflation, and direct foreign investment towards sectors that support job creation and economic equity to achieve inclusive economic development.
Exploring Lifestyle and Literacy Effects on Millennials’ Saving in Islamic Banks Amaliah, Ima; Anjani, Selsa Putri; Aspiranti, Tasya; Nurhayati, Nunung
Journal of Social Science and Business Studies Vol. 3 No. 3 (2025): JSSBS
Publisher : Yayasan Gema Bina Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61487/jssbs.v3i3.178

Abstract

This research examines the saving intentions of millennials in Bandung City toward Islamic banking by applying a descriptive quantitative method. The study targets individuals aged 29–44 who have not yet opened an Islamic bank account and are distributed across 30 districts in Bandung. The main purpose is to analyze how lifestyle patterns, financial literacy, and demographic characteristics influence their willingness to save in Islamic banks. The analysis shows that female millennials between 24–28 years old express a stronger intention to save compared to other groups. Educational background, whether high school or university level, presents no significant differences in saving interest. By contrast, occupational status provides clearer distinctions: male civil servants and female employees in the private sector exhibit higher levels of intention. Income data reveal that most respondents earn between IDR 2–5 million monthly, placing them in the lower-middle income bracket. The findings also suggest that saving preferences are shaped more by individual information seeking rather than by family expectations or peer influence. Although their comprehension of Islamic financial principles is relatively limited reducing their level of trust, millennials demonstrate considerable digital literacy and confidence in using Islamic banking services. Overall, the study concludes that millennials make financial choices in a rational and independent manner but still require more accessible digital financial education. To capture this market, Islamic banks are advised to integrate Islamic values with digital literacy initiatives and foster closer engagement with millennial communities to build long-term trust and loyalty.
Pengaruh Pertumbuhan Ekonomi, Inflasi, dan Nilai Tukar Terhadap Neraca Perdagangan Indonesia-China Novi Ariani; Ima Amaliah
Jurnal Riset Ilmu Ekonomi dan Bisnis Volume 3, No. 2, Desember 2023, Jurnal Riset Ilmu Ekonomi dan Bisnis (JRIEB)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrieb.v3i2.2882

Abstract

International trade between Indonesia and China already has a cooperative relationship by following the ACFTA agreement or the ASEAN-China Free Trade Agreement. The implementation of the ACFTA should increase the value of exports, but in reality, commodities originating from China are easier to enter the domestic market. This has led to a decline in the condition of Indonesia's trade balance with China over the past 15 years. The purpose of this study is to determine the influence and magnitude of the influence of economic growth, inflation, and the exchange rate on the trade balance between Indonesia and China in the short and long term for the 2000-2021 period. The data used in this study is quantitative data obtained through secondary data in the form of a time series from 2000-2021. Data processing uses the Error Correction Model (ECM) with the Eviews 10 analysis tool. The results of the analysis show that the ECT is significantly negative and less than 1. This means that the model shows the level of short-term adjustment in correcting the long-term balance. According to estimates of economic growth and exchange rates in the short term have a negative effect on Indonesia's trade balance with China. Meanwhile, in the long run, the variable economic growth has a positive effect on the trade balance between Indonesia and China, while the exchange rate variable has no effect. The inflation variable has no effect either in the short term or the long term. Perdagangan Internasional antara Indonesia dengan China telah memiliki hubungan kerjasama dengan mengikuti perjanjian ACFTA (ASEAN-China Free Trade Agreement). Diterapkannya ACFTA seharusnya meningkatkan nilai ekspor, tetapi kenyataannya komoditas yang berasal dari China lebih mudah masuk ke pasar domestik. Hal ini menyebabkan menurunnya kondisi neraca perdagangan Indonesia dengan China selama 15 tahun terakhir. Tujuan dari penelitian ini untuk mengetahui pengaruh dan besarnya pengaruh pertumbuhan ekonomi, inflasi, dan nilai tukar terhadap neraca perdagangan Indonesia dengan China dalam jangka pendek dan jangka panjang periode 2000-2021. Data yang digunakan dalam penelitian ini merupakan data kuantitatif yang diperoleh melalui data sekunder berupa runtut waktu dari tahun 2000-2021. Pengolahan data menggunakan Error Correction Model (ECM) dengan alat analisis Eviews 10. Hasil analisa menunjukkan bahwa ECT signifikan negatif dan kurang dari 1. Artinya model menunjukan tingkat penyesuaian jangka pendek dalam mengkoreksi keseimbangan jangka panjang. Menurut estimasi pertumbuhan ekonomi dan nilai tukar dalam jangka pendek berpengaruh negatif terhadap neraca perdagangan Indonesia dengan China. Sementara dalam jangka panjang variabel pertumbuhan ekonomi berpengaruh positif terhadap neraca perdagangan Indonesia dan China, sedangkan variabel nilai tukar tidak berpengaruh. Variabel inflasi tidak berpengaruh baik dalam jangka pendek maupun jangka panjang.
Financial risk mitigation of collateral-free kredit usaha rakyat mikro at Bank Syariah Indonesia KCP Ujung Berung 1 Gustini, Yasni; Amaliah, Ima; Hartono, Budi
Journal of Islamic Economics Lariba Vol. 9 No. 2 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss2.art5

Abstract

IntroductionBank Syariah Indonesia participates in disbursing kredit usaha rakyat (KUR) mikro with a maximum financing ceiling of Rp 100 million without requiring collateral. This is worth further investigation, especially from the perspective of financing risk mitigation.ObjectivesThis research aims to identify risk mitigation strategies to reduce the impact on non-performing financings from kredit usaha rakyat mikro.MethodThe study is located at Bank Syariah Indonesia KCP Ujung Berung 1 in the city of Bandung, using a qualitative descriptive method. Research data is processed using interview and documentation techniques.ResultsField findings indicate dynamic disbursement of KUR from January to April, totaling Rp 3.69 million. In April 2023, delinquent credits decreased by 0.5% from 6.6% in March 2023 to 6.1%. This is evidenced by the risk mitigation strategy used to address delinquent credits, which involves identifying customers who meet established criteria and conducting necessary checks, such as BI checking/SLIK, trade checking, and market checking. Additionally, the bank requires customers to obtain life insurance before applying for financing.ImplicationsThe research motivates Islamic bank management to reduce financial risk in financing to micro, small, and medium enterprises by improving their financial risk mitigation.Originality/NoveltyThis study can serve as a reference for banks to reduce the risk of non-performing financing by implementing credit risk mitigation strategies.
Co-Authors A. Harits Nu'man Aan Julia Abi Abdillah Achref Boubekri Ade Yunita Mafruhat Adinda Sri Maryam Akhsan Mulki Abdillah Al Rifah, Cecep Fauzan Amir Hamzah Anjani, Selsa Putri Asikin, Ridwan Ibnu Banavsa Puan Lira Budi Hartono Cynthia Imadiyar P Dewi Rahmi Dini, Maya Fadilah Ghani Azis Fatma Yulyana Fasa Nasution Fauziyah Firda Siva Kamila Fitria Restiani Freska Fitriyana Gerry Cahya Mutaqin Gustini, Yasni Hafiz Naufal Hilmi Haikal Qolbi Al Qosam Handri Handri Hanii Ammariia Intan Purnamasari Irfan Ramadhan Ismaira Miftahus Sa’adah Izhar Rismawan Jamaludin . Kharisma Varrenzy Saidhyna Lasmi Aprilyani Sri Rejeki Liliani Sumarni Pratiwi Maharani, Haidilia Marselino Yuda Pratama Maura Shifa Salsa Nabilla Meidy Haviz Mira Permata Sari Moh. Safii Mohammad Faishal Ramadhani Iskandar Muhamad Reza Febrian Muhamad Taufiq Amarullah Muhammad Hasbi Ashidiqi Muhammad Naufal Muzhaffar Muhammad Rifqi Fawwaz Muhammad Rizqy Pratama Muhammad Wibi Afrizal Muhammad Yasa Wisesa Muhardi Muhardi Munarsih, Munarsih Mutia Azzahra Nabila Savira nabilla nurdina nabilla Nazri Nasier Nenden Yushinta Puri Nofi Bestari Novi Ariani Nunung Nurhayati Nunung Nurhayati Nurfahmiyati Nurfitriani Nurfitriani Nurrunnajmi, Tirahaifa Nurul Jannah Nurul Komara Oryza Sativa Ramadhan R. Oktini, Dede Rahmad Abdul Gani Rai Arya Dwi Putra Rangga Apryansyah Rani Meida Ravi Anugrah Akbar Rega Saukani Rika Angraini Rini Lestari Rodhiah Salman Arief Ibrahim Sayyid Mujaddid Fikri Sekar Nadia Lestari Shaffa Septiani Aisy Shella Mutia Putri Silvi Aprillia Devi Sunarto Sunarto Sunarto Sunarto Syam, Fauziyah Syifa Putri Nur Azizah Tasya Aspiranti Tesya Aryo Tesya Nur Hayatri Teuku Muhammad Abidzar Saddam Tirahaifa Nurrunnajmi Tri oktavian nurrahman Tyas Ayuning Lestari Umi Kulsum Westi Riani Westi Riani Westi Riani Widjaya Handoyo Wijoyo, Agung Wisnu Dwi Andriyanto Woro Rona Farrasari Yasni Gustini Yolanda Dienul Fathia Yudha Dwi Nugraha Zakiyah Hayati