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All Journal Jurnal Ilmu Manajemen Dan Kewirausahaan (JIMK) Prestise: Jurnal Pengabdian Kepada Masyarakat Bidang Ekonomi dan Bisnis Journal of Finance and Islamic Banking
Sutapa
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Should Sharia Banks Go Public: Analysis Using The RGEC Method Hanafi, Rustam; Sutapa; Ifada, Luluk Muhimatul
Journal of Finance and Islamic Banking Vol. 6 No. 2 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v6i2.7333

Abstract

Recently, the OJK has encouraged Shariah banks to go public to obtain new funding sources for business expansion, increasing corporate value and image. In fact, are Sharia Banks that go public better than non-go public. Therefore, this study aims to test whether the health of Sharia Banks that go public is better than non-go public. Observation data used 122 Sharia Banks during the 2014-2022 period. Using an independent sample t-test and RGEC health indicators, we find that Sharia Banks that go public have better health than non-go public but are not significantly different. These results also indicate why Sharia Banks go public are not as many as Conventional Banks. Sharia Banks adhere to the principle of prudence, including going public. If going public does not significantly change the health and performance of a Shariah Bank, the initiative to go public needs to be careful because ownership will transfer to shareholders. It will be a problem if shareholders do not understand Sharia principles.
Pengaruh Peer To Peer Lending Dan Literasi Keuangan Terhadap Kinerja Keuangan UMKM Di Kota Semarang Alfina Arfianti, Vera; Sutapa; Anik, Sri; Mutoharoh
JURNAL ILMU MANAJEMEN DAN KEWIRAUSAHAAN (JIMK) Vol 6 No 1 (2025): Juni ( In Progress )
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis, Universitas Muslim Nusantara Al-Washliyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32696/jimk.v6i1.4721

Abstract

The relationship between peer to peer lending and financial literacy has a primary function by influencing the financial performance of MSMEs in Semarang City. On the one hand, peer to peer lending provides financing options that are more easily accessible to MSMEs who often have difficulty in obtaining formal loans. However, without adequate financial literacy, MSME actors are at risk of mismanaging loans, such as choosing products with high interest rates or being unable to prepare a good payment plan. This can lead to financial problems such as bad debts or liquidity crises that hinder business growth. This study focuses on the analysis of the influence of peer to peer lending and financial literacy on the performance of MSMEs in Semarang City. The quantitative method with an explanatory research approach was chosen to describe the relationship between the variables studied precisely. The population in this study consisted of culinary MSMEs in Semarang City with a total of 3,291 with a sample of 100 MSMEs with the criteria of having been in business for more than 3 years with a minimum of 2 employees. The analysis shows that peer to peer lending and financial literacy have a significant impact on the financial performance of MSMEs in Semarang City and it is hoped that business actors can take part in financial training or education so that they can design capital management strategies, maximize the use of resources, and reduce financial risks more efficiently.
PEMBERDAYAAN PELAKU UMKM MELALUI PELATIHAN DIGITAL MARKETING Hanafi, Rustam; Sutapa; Mulyana
Prestise: Jurnal Pengabdian Kepada Masyarakat Bidang Ekonomi dan Bisnis Vol. 5 No. 1 (2025): Jurnal Pengabdian Kepada Masyarakat Bidang Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/prestise.v5i1.46277

Abstract

This community empowerment study aims to enhance the digital marketing capabilities of Micro, Small, and Medium Enterprises (MSMEs) in Pringrejo Village, West Pekalongan District, Pekalongan City. The rapid growth of digital technology and shifts in consumer behavior toward online shopping require MSMEs to adapt and build digital readiness. This program applies a community-empowerment methodology that integrates tutorial sessions, hands-on practice, and live-streaming simulations across multiple e-commerce and social media platforms. In addition, the program adopts Community-Based Research (CBR), Participatory Action Research (PAR), Asset-Based Community Development (ABCD), and Service Learning (SL) to ensure participatory engagement, local asset mobilization, and sustainable learning outcomes. A retrospective post-test survey was administered to evaluate changes in participants’ knowledge and skills before and after the training. The results indicate that 80% of participants had never attended similar training, highlighting a digital literacy gap. Post-training evaluations showed a significant improvement in participants’ understanding, with an average score of 4.35 on a 5-point scale, and 96% of participants reported comprehension of the material. These findings demonstrate that the participatory digital marketing training model effectively improves MSMEs’ digital competencies and supports market expansion through e-commerce channels. The program contributes to strengthening MSMEs’ resilience and competitiveness in the digital era while offering a replicable empowerment model for other rural business communities.
Co-Authors Alfina Arfianti, Vera Luluk Muhimatul Ifada Mulyana Mutoharoh Rustam Hanafi Sri Anik, Sri