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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) Jurnal Borneo Administrator: Media Pengembangan Paradigma dan Inovasi Sistem Administrasi Negara TEMA (Jurnal Tera Ilmu Akuntansi) Jurnal Teknologi Informasi dan Ilmu Komputer Share : Social Work Journal Jurnal ASET (Akuntansi Riset) Jurnal Riset Akuntansi dan Keuangan Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan TIN: TERAPAN INFORMATIKA NUSANTARA Jurnal Kependidikan: Jurnal Hasil Penelitian dan Kajian Kepustakaan di Bidang Pendidikan, Pengajaran dan Pembelajaran Jurnal Ilmiah Wahana Pendidikan Jurnal Agrisistem International Journal of Economics, Business, and Entrepreneurship (IJEBE) Jurnal Locus Penelitian dan Pengabdian Jurnal Akuntansi Manajerial (Managerial Accounting Journal) Perbanas Journal of Islamic Economics and Business Sabdasastra : Jurnal Pendidikan Bahasa Jawa West Science Accounting and Finance Jurnal Bisnis dan Ekonomi International Journal of Indonesian Business Review Toga Jurnal Keguruan dan Ilmu Pendidikan Jurnal Publikasi Ekonomi dan Akuntansi
Hasan Ashari
STMIK AMIKOM Yogyakarta
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Policy Reform and MSME Growth: Financial Analysis of 2023 KUR Disbursement Shift Ridha, Muhammad Hafizh; Ashari, Hasan; Sancoko, Bambang; Damhuri, Taufik
TEMA Vol. 26 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in development, yet face persistent barriers to financing. To address this, the Indonesian government provides the People's Business Credit (KUR) program. In 2023, significant policy reforms were introduced concerning eligibility criteria and graduation interest rates, resulting in a decline in total disbursement. This study applies descriptive analysis and two-mean difference tests using data from 33 provinces (2022–2023) to evaluate the policy’s impact. The findings show that the revised KUR policy: (1) enhances financial inclusion, (2) supports debtor graduation, and (3) contributes to achieving the national MSME credit target. These results highlight the importance of policy reform in building a sustainable MSME financing ecosystem. The novelty of this study lies in integrating macro-level statistical evidence with field-based qualitative validation to uncover structural inefficiencies in government-backed microfinance. The findings offer policymakers actionable insights to refine MSME financing frameworks, particularly in enhancing credit accessibility and aligning distribution incentives.
Analisis Pengembangan E-Learning Platform Pembayaran Pemerintah untuk Meningkatkan Kualitas Proses Pembayaran Tagihan Belanja Negara Ashari, Hasan; Saksono, RN. Afsdy; Hidayat, Achmad Rinaldi
TIN: Terapan Informatika Nusantara Vol 6 No 8 (2026): January 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/tin.v6i8.9086

Abstract

The utilization of the Government Payment Platform (PPP) is a platform for work‑unit financial officers to ensure the accuracy and timeliness of state expenditure payments. This study analyzes the implementation of e‑learning of PPP on the Kemenkeu Learning Center (KLC) within the Budget and Treasury Education and Training Center an agile learning model grounded in the Learning Experience Platform (LXP) approach. The research employs a qualitative case study method with twelve (12) purposively selected informants representing policy, technical, pedagogical, and end‑user roles. Data were collected through in‑depth interviews and document analysis, and examined interactively across stages of data collection, condensation, presentation, and conclusion drawing, supplemented by method and source triangulation.Findings indicate key constraints: non‑specific participant segmentation by role, absence of dedicated learning time, limited interoperability between KLC and external platforms, insufficient per‑module discussion forums, and suboptimal use of AI (chatbots and recommendations). The study’s novelty lies in an agile LXP‑based model comprising: role‑scaled interactive curricula; a learning journey to personalize PPP competency pathways; AI‑driven chatbots serving as digital tutors and content recommendation engines; and cross‑platform collaboration compliant with information security standards. The conclusion underscores that agile PPP e‑learning has the potential to enhance learning effectiveness, efficiency, and relevance, while strengthening the competencies of financial managers within a continually transforming government payment ecosystem.
Peran Komunitas JKP dalam Mendorong Kolaborasi dan Ekonomi Pedagang Permata di Surakarta Nurleli, Sulis Fathatun; Novita, Yayang; Ashari, Hasan
Share : Social Work Journal Vol 15, No 2 (2025): Share : Social Work Journal
Publisher : University of Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/share.v15i2.64728

Abstract

Kampung Jayengan di Kota Surakarta merupakan kawasan dengan karakter sosial-budaya dan ekonomi yang khas, terutama melalui aktivitas perdagangan dan kerajinan permata yang terorganisasi dalam Komunitas Jayengan Kampung Permata (JKP). Sejumlah penelitian terdahulu telah mengkaji Komunitas JKP dalam konteks pengembangan kawasan industri kreatif. Namun demikian, penelitian-penelitian tersebut masih menyisakan celah kajian, khususnya dalam memahami peran internal komunitas pedagang sebagai peran utama yang membangun kolaborasi, pertukaran informasi, serta meningkatkan ekonomi lokal dari dalam komunitas itu sendiri. Penelitian ini bertujuan untuk menganalisis dinamika pembentukan, peran, dan kontribusi Komunitas JKP dalam memperkuat aktivitas ekonomi pedagang permata serta dampaknya terhadap masyarakat Kampung Jayengan di tengah tantangan globalisasi. Penelitian ini menggunakan metode deskriptif kualitatif dengan lokasi penelitian di Kampung Jayengan, Kecamatan Serengan, Kota Surakarta. Pengumpulan data dilakukan melalui wawancara mendalam dengan 11 informan yang dipilih menggunakan teknik snowball sampling, observasi lapangan, serta studi dokumen. Analisis data dilakukan dengan model analisis interaktif yang meliputi tahap pengumpulan data, reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa Komunitas JKP berperan signifikan dalam membangun kerja sama antar pedagang, memperlancar pertukaran informasi pasar dan kebutuhan konsumen, serta memperluas jaringan usaha baik di tingkat lokal, nasional, maupun internasional. Keberadaan komunitas ini juga berdampak pada masyarakat sekitar melalui penciptaan lapangan kerja baru, peningkatan perputaran ekonomi lokal, serta penguatan kegiatan sosial dan budaya. Di sisi lain, JKP menghadapi tantangan berupa minimnya regenerasi pengrajin muda, ketertinggalan desain produk, dan keterbatasan teknologi produksi. Meski demikian, komunitas ini mengembangkan berbagai strategi adaptif, seperti pemanfaatan platform digital, kolaborasi lintas sektor, dan penguatan identitas produk lokal.
Analysis Analysis of Bank Perekonomian Rakyat (BPR) Failures And Implications For Financial Sustainbility Ashari, Hasan; Supranata, Mardani; Yulistiani, Tiara
Jurnal Publikasi Ekonomi dan Akuntansi Vol. 6 No. 2 (2026): Mei : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jupea.v6i2.6155

Abstract

This study aims to identify the factors causing the failure of rural banks (BPR) in Indonesia and formulate financial sustainability strategies. Using survey methods and descriptive analysis, it was found that BPR failures were caused by a combination of internal and external factors. Dominant internal factors include poor asset quality with a non-performing loan (NPL) ratio above the threshold, weak governance, ineffective internal supervision, limited core capital, weak risk and compliance management, low human resource competency, and unstable financial performance. External factors include poor public reputation, delays in digitalization, and difficulties in industry consolidation. Strategies include strengthening governance, meeting minimum core capital requirements, improving asset quality through prudent credit analysis, BPR digitalization, strengthening human resources through certification and training, and industry consolidation. This study contributes by linking the analysis of BPR failure factors with the concept of financial sustainability, thereby strengthening the stability and role of BPRs in promoting national financial inclusion.
ADAPTASI FONOLOGIS DAN SEMANTIS KATA SANSKERTA DALAM BAHASA JAWA Ashari, Hasan; Mulia, Fiska Amanda
Sabdasastra : Jurnal Pendidikan Bahasa Jawa Vol 10, No 1 (2026): Sabdasastra : Jurnal Pendidikan Bahasa Jawa
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/sabpbj.v10i1.115162

Abstract

This study examines the adaptation of Sanskrit lexicons in the Javanese language, a process persisting since the 4th century CE as an instrument of religion, literature, and political authority. The primary focus is to identify systematic patterns of phonological change and semantic shifts that facilitated the integration of this foreign language into the local system. Employing a qualitative descriptive approach within a historical linguistic perspective, data analysis was conducted through etymological tracing of Old and Modern Javanese text corpora, phonotactic classification to map sound transformations, and synchronic diachronic analysis to detect semantic evolution. The findings reveal that phonological adaptation occurred through deaspiration and consonant cluster simplification to satisfy Javanese phonological constraints. Semantically, a “nativization” of meaning took place through mechanisms of narrowing, widening, and recontextualization aligned with the community's sociocultural reality. These findings affirm that the Javanese language functions as an active filter that nativizes Sanskrit elements, rendering them an integral part of the Nusantara linguistic identity that remains adaptive to this day.
Co-Authors Basjah, Alan Yazid Ali Budi Wijayanto Damhuri Damhuri Djono Djono Elea Nur Aziza Fardiman, Fardiman Fitri , Sri Adella Hasudungan, Anju Nofarof Herimanto Herimanto Hernanda, Reyhan Hidayat, Achmad Rinaldi Hieronymus Purwanta Hutabarat, Habel Refo Ismawati, Isti Yuli Judijanto, Loso Marsus, Soffan Mulia, Fiska Amanda Musa Pelu Novita, Yayang Nur Aisyah Kustiani, Nur Aisyah Nurleli, Sulis Fathatun Pambudi, Andi Setyo Putro, Yudhi Ridha, Muhammad Hafizh Rita, Henny Rusman, Eddy Saksono, RN. Afsdy Sancoko, Bambang Setyo Pambudi, Andi Siladjaja, Muljanjo Supranata, Mardani SURYA AYMANDA NABABAN Sutiyah Sutiyah Trinandari Prasetya Nugrahanti WAHASRI, ESIKA Yazid Ali Basjah, Alan Yuli Ismawati, Isti Yulistiani, Tiara