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ANALISIS KEBIJAKAN PEMBERIAN PEMBIAYAAN MURABAHAH TERHADAP NON PERFORMING FINANCING MURABAHAH PADA PT BANK MUAMALAT INDONESIA TBK CABANG PONTIANAK B51109060, Rahman Sastrawan
Jurnal KIAFE Vol. 2 No. 3 (2013): Jurnal Mahasiswa Akuntansi
Publisher : Undergraduate Program in Accounting, Department of Accounting, Faculty of Economics and Business, Universitas Tanjungpura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/kiafe.v2i3.3530

Abstract

This study aimed to determine whether granting murabaha financing policies are applied to PT Bank Muamalat Indonesia, Tbk Pontianak Branch has done well to reduce financing problems. The method used is descriptive method is a method for describing the solution to the problem of the study, carried out data collection techniques are interview techniques, study documentation and Librarianship. Data analysis tools use quantitative analysis, Organizational Structure, Flowchart, Internal Control Questionnaire, and the Compliance Test. Based on the results of research conducted, the authors conclude that policy through the provision of financing murabaha financing systems and procedures in PT Bank Muamalat Indonesia, Tbk Branch Pontianak is good and adequate. From the analysis of the implementation of internal control that the results obtained by 93% murabaha financing systems and procedures work well and effectively. The increase in non-performing financing which are caused by external factors of the customer is not able to restore the murabaha financing which has been given by PT Bank Muamalat Indonesia, Tbk Branch Pontianak.
Rejuvenasi Digital Branding melalui Strategi Pemanfaatan Artificial Intelligence untuk Efisiensi Biaya Unggulan Daerah Sanggau: Pengabdian Arief Rio Maulana; Rahman Sastrawan; Chornolius Hendreo; Nia Pratiwi; Edi Saputra; Syarif Muhammad Ilham; Siti Lestari; Vanesha Astri Hadi; Muhammad Khairul Anam; Whilis Aziz Panji Pamungkas
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 5 No. 1 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 5 Nomor 1 (Juli 2026 -
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v5i1.7740

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan memperkuat kemampuan pelaku UMKM di Kabupaten Sanggau dalam melakukan rejuvenasi digital branding melalui pemanfaatan Artificial Intelligence (AI) untuk mendukung efisiensi pembuatan konten dan daya saing produk. Mitra kegiatan adalah UMKM binaan Rumah BUMN Sanggau. Metode meliputi identifikasi kebutuhan, penyampaian materi, praktik/simulasi, Focus Group Discussion (FGD), monitoring, serta evaluasi pre-test dan post-test. Dua indikator meningkat dari 45% menjadi 100% dan 57% ke 100%, yaitu pembaruan citra merek dan pemahaman mengenai potensi produk Sanggau serta visual promosi. Empat indikator lain tetap tinggi: kendala biaya promosi 90%, pemanfaatan AI untuk desain dan pemasaran 100%, kesiapan menerapkan AI 95%, dan keyakinan bahwa digitalisasi meningkatkan daya saing 95%. Rata-rata respons positif meningkat dari 95,0% menjadi 96,7%. Hasil menunjukkan bahwa kegiatan terutama memperkuat pemahaman yang sejak awal sudah tinggi; pendampingan lanjutan tetap diperlukan untuk membuktikan efisiensi biaya dan penerapan AI secara konsisten.