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Strengthening the Role of BPRS in Supporting MSMEs: Regulatory Perspective and Legal Challenges During and After the Pandemic Ridwansyah, Ridwansyah; Supriyaningsih, Okta; Amrina, Dania Hellin
El-Usrah: Jurnal Hukum Keluarga Vol. 8 No. 1 (2025): EL-Usrah: Jurnal Hukum Keluarga
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/4dn5e614

Abstract

This study examines the strategic role of Sharia People's Financing Banks (BPRS) in supporting micro, small and medium enterprises (MSMEs) as a driver of Indonesia's economic recovery in the aftermath of the Covid-19 pandemic. Despite having a smaller share of total financing than Islamic Commercial Banks, BPRS plays a crucial role in reaching underserved microeconomic segments. Previous studies have shown that MSMEs are the backbone of the Indonesian economy, yet their access to financing remains limited. This research uses a qualitative method with a field approach through observation, in-depth interviews, and document analysis in selected regions. The findings show that BPRS financing has significantly contributed to MSME resilience and job creation, yet the sector still faces regulatory and policy challenges. Therefore, optimizing BPRS’ contribution requires legal frameworks that support risk mitigation, sustainability, and inclusive economic growth.
Global Issue Pandemic and Technology Business: What The Role of Financing MSMEs an Islamic Perspective Theory? Ridwansyah, Ridwansyah; Razimi, Mohd Syahril Ahmad; Suprianingsih, Okta; Amrina, Dania Hellin; Sisdianto, Ersi
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (2025)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v11i1.5020

Abstract

Purpose: This research aims to analyze the impact of the global pandemic on the operations, sustainability, and growth of Micro, Small, and Medium Enterprises (MSMEs) and examine the role of MSME financing from the perspective of Islamic economic theory as an instrument to support the recovery and sustainability of MSME businesses during the pandemic.Design/methodology: This research employs a qualitative approach to explore the impact of the global pandemic on micro, small, and medium enterprises (MSMEs) and the role of technology and Islamic financing. The study involves 15 MSME owners and managers, utilizing semi-structured interviews and focus group discussions for data collection.Findings The research found that the global pandemic caused a significant decline in MSME revenues and activities, especially in Bandar Lampung City and West Lampung Regency with a 30-40 percent decline. Key factors include decreased demand, supply chain disruptions and social restrictions. While some MSMEs are turning to digital technology to adapt, many rely on self-financing rather than bank loans. Islamic finance principles have the potential to support the recovery of MSMEs, but the low utilization of Islamic financing points to the need to improve Islamic finance literacy and accessibility.Practical Implications: Based on the finding that MSMEs that quickly adopt digital technologies are able to survive better during the pandemic, the government and relevant agencies should develop more widespread and affordable digital literacy programs. These programs should be designed to improve the technological skills of MSME players, including the use of e-commerce, digital marketing and digital financial platforms. This will help MSMEs to be more competitive and flexible in the face of market changes.Originality/Value: This research is unique because it combines an Islamic perspective, particularly in Islamic financing, with an analysis of business technology in the midst of a global crisis such as the pandemic
Sosialisasi kerjasama tim terhadap kinerja OSIS SMP Al-Azhar Syifa Budi Samarinda Asnawati, Asnawati; Samman, Muhammad; Rachmawati, Anggun; Gianova, Erin; Yahya, Haidar Silmi; Ridwansyah, Ridwansyah; Alayzha, Vivi Nur
ABDIMU Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 2 (2023): September
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/abdimu.v2i2.13910

Abstract

Sosialisasi kerjasama tim ini bertujuan untuk membantu siswa-siswi yang mengikuti OSIS untuk menghidupkan kerjasama tim dan menumbuhkan kerjasama yang baik bagi masing-masing anggota OSIS. Metode yang digunakan yaitu Pendidikan masyarakat. Hasil dari kegiatan pengabdian ini, siswa-siswi anggota OSIS mampu bekerjasama dalam tim.
Pelatihan Bagi Masyarakat Nelayan Membuat Saluran Air Buangan Rumah Tangga Samad, Putri IS; Supriadi, Supriadi; Wahrini, Retyana; Arnanto, Ganggang Canggi; Ridwansyah, Ridwansyah
SMART HUMANITY : Jurnal Pengabdian Masyarakat Vol. 1 No. 2: Juni 2024
Publisher : CV. Smart Scienti

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Kelurahan Kaca di Kecamatan Marioriawa, Kabupaten Soppeng, menghadapi masalah sanitasi serius karena rumah panggung tanpa saluran air limbah yang memadai. Air buangan rumah tangga sering kali mencemari lingkungan, terutama saat musim hujan di kawasan rawan banjir ini. Pengabdian masyarakat ini bertujuan untuk meningkatkan sanitasi melalui pembangunan saluran air buangan tertutup dan penampungan yang aman, serta memberikan edukasi kepada masyarakat nelayan setempat. Metode yang digunakan meliputi survei awal, perencanaan dan desain, pelatihan dan penyuluhan, pembangunan fisik, serta evaluasi dan monitoring. Pembangunan saluran dilakukan dengan bahan beton dan tangki septik, disertai pelatihan teknis bagi masyarakat. Hasil menunjukkan peningkatan pengetahuan dan keterampilan masyarakat dalam pengelolaan air limbah. Saluran air buangan yang dibangun berfungsi dengan baik, mengurangi genangan dan pencemaran. Partisipasi aktif masyarakat dan dukungan pemerintah setempat sangat membantu keberhasilan program ini. Melalui pelaksanaan kegiatan Pengabdian Kepada Masyarakat (PKM) ini, dapat disimpulkan bahwa upaya meningkatkan keterampilan nelayan dalam membuat saluran buangan air rumah tangga merupakan langkah yang signifikan dalam meningkatkan sanitasi dan kesehatan masyarakat. Kegiatan ini telah menghasilkan beberapa hasil yang dapat terukur secara kuantitatif, seperti peningkatan pengetahuan mitra sebesar 80%. Angka ini didasarkan pada hasil evaluasi pre-test dan post-test yang dilakukan sebelum dan sesudah pelatihan, di mana pengetahuan peserta mengenai teknik pembuatan saluran pembuangan dan pentingnya sanitasi meningkat secara signifikan
Analisis Implementasi Sistem Tanggap Darurat Berdasarkan Asosiasi Perlindungan Kebakaran Nasional 1600 Pratiwi, Meilissa Ayu; Lestari, Fatma; Ridwansyah, Ridwansyah
Kesmas Vol. 7, No. 10
Publisher : UI Scholars Hub

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Abstract

Penelitian kesesuaian pelaksanaan sistem tanggap darurat di PT X menjadi upaya untuk mempersiapkan proses tanggap darurat. Penelitian kualitatif dengan desain studi deskriptif analitik ini menggunakan dua jenis data meliputi data primer yang didapatkan melalui wawancara dan observasi, serta data sekunder melalui telaah dokumen. Tujuan penelitian ini adalah mengetahui kesesuaian implementasi sistem tanggap darurat di PT X Perusahaan Pelayanan Gas dan Minyak, ditinjau dari National Fire Protection Association 1600 (NFPA 1600) tahun 2012. Pada penelitian ini didapatkan kesesuaian implementasi sistem tanggap darurat PT X berdasarkan NFPA 1600 adalah 36,23%, sedangkan ketidaksesuainya adalah 37,60%. Diharapkan dapat mempertimbangkan saran yang diberikan untuk meningkatkan pemenuhan semua elemen persyaratan NFPA 1600 dalam mengimplementasikan sistem tanggap darurat di perusahaannya. The focus of this study was looking for an overview of compliance conformity for implementation emergency response system at PT X to prepared emergency response in the event of an emergency/disaster. This research is a qualitative descriptive study design that uses two types of data, primary data obtained through interviews and observations, and secondary data through document review. The purpose of this study to determine conformity of the implementation emergency response system in Oil and Gas Services Company PT X as per National Fire Protection Association 1600 (NFPA 1600) in 2012. This study resulted was the conformity of the emergency response system implementation based on NFPA 1600 in PT X was 36,23%, while unconformity proportion was 37,6%. PT X are expected to consider the advice had given based on results of this study to improve compliance to all elements requirements of NFPA 1600 in the company’s emergency response system.
Effect of Financial Literacy, Financial Attitude, and Lifestyle on Financial Management (Study on Students in Bandar Lampung City) Nursalma, Intan; Ridwansyah, Ridwansyah; Iryana, Wahyu
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.556

Abstract

This study aims to analyze the influence of financial literacy, financial attitudes, and lifestyle on the financial management of students in the city of Bandar Lampung. Good financial management is crucial in creating personal economic stability, especially for students who are in the process of becoming financially independent. This study uses a quantitative approach to the survey method by distributing questionnaires to 150 respondents selected through a simple random sampling technique. Data analysis was done using multiple linear regression with the help of the SPSS version 29 program. The results showed that financial literacy, financial attitudes, and lifestyle have a positive and significant effect on Student Financial Management. These findings are in line with the framework of the Theory of Planned Behavior. This study recommends improving financial literacy and strengthening more planned attitudes and lifestyles as effective strategies in encouraging healthy financial management behavior among students.
Liquidity Risk Management: Ensuring Sustainability And Managing Islamic Banks In The Era Of Banking Industry Development Arizona, Riza; Hidayat, Icha Afrillia; Rizki, Marisa; Zen, Hasrul; Kustia, Kustia; Ridwansyah, Ridwansyah; Ghani, Wan Ruslan Abdul
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 5 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i5.9495

Abstract

Liquidity Risk Management is the development of strategies and policies to manage liquidity risks that include the creation of cash reserves, diversification of funding sources, and the use of financial instruments to overcome liquidity shortages. The process of managing risks arising from the inability of an entity (company or bank) to meet its financial obligations on time due to lack of liquidity or available cash funds. Liquidity risk is the risk that a company or individual will be unable to meet short-term financial obligations because it cannot convert its assets into cash. Liquidity risk arises from the inability to meet maturing obligations from cash flow funding sources and/or from high-quality liquid assets that can be pledged, without disrupting the entity's activities and financial condition. Liquidity risk is one of the main challenges faced by companies in the world of finance and business. Liquidity risk can arise in various forms and situations. One of them is the inability of a company to access sufficient cash when needed, which can occur due to factors such as a sudden decline in sales, dependence on short-term funding, or unexpected economic changes. Liquidity instruments can be obtained from collecting third party funds (DPK), lending in the sharia money market, purchasing SBI Syariah, looking for investors from within the country or foreign investors, or from other sources of funds. The results of the study show that the implementation of liquidity risk management in Islamic Banks and UUS is carried out in the form of: 1. The Board of Directors, Commissioners, and DPS (Sharia Supervisory Board) are active in formulating and implementing risk management, 2. Preparing policies, procedures, and setting risk management limits, 3. Carrying out the process of identifying, measuring, monitoring and controlling risks as well as risk management information systems, 4. Forming a comprehensive internal control system.
Implementation Of Bank Operational Risk Management In Human Resource Management At Bank Syariah Indonesia Novriyanto, Abib; Dinar, Ashari Seribu; Hartati, Eka Yuni; Dwimutian, Febyviani; Ridwansyah, Ridwansyah; Ghani, Wan Ruslan Abdul; Septina, Mulya Jayanti Putri
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 5 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i5.9541

Abstract

The operational risk management in Islamic banks is crucial to ensure the smooth functioning of the bank while adhering to Islamic principles. Operational risks in banks can arise from internal processes, human errors, system failures, and external events. These risks, when not managed effectively, can have significant impacts on the financial stability and reputation of the bank. The human factor (human resources) plays a pivotal role in operational risk, especially in banks following Sharia principles, where it is necessary to ensure that the employees are well-trained, competent, and have a strong understanding of Islamic financial laws. This paper discusses the role of human resource management in the operational risk management framework of Bank Syariah Indonesia (BSI). Effective human resource management ensures that the right employees are hired, trained, and retained, thus minimizing the potential risks caused by human errors. The focus of the paper is to assess how Bank Syariah Indonesia incorporates risk management strategies in their HR practices and explores the training and development programs aimed at enhancing employee competence in managing operational risks. The research highlights the importance of creating a risk-aware culture and building a strong risk management system within the bank, specifically focusing on improving the competencies of human resources to reduce operational risks.
Effect of Financial Literacy, Financial Attitude, and Lifestyle on Financial Management (Study on Students in Bandar Lampung City) Nursalma, Intan; Ridwansyah, Ridwansyah; Iryana, Wahyu
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.556

Abstract

This study aims to analyze the influence of financial literacy, financial attitudes, and lifestyle on the financial management of students in the city of Bandar Lampung. Good financial management is crucial in creating personal economic stability, especially for students who are in the process of becoming financially independent. This study uses a quantitative approach to the survey method by distributing questionnaires to 150 respondents selected through a simple random sampling technique. Data analysis was done using multiple linear regression with the help of the SPSS version 29 program. The results showed that financial literacy, financial attitudes, and lifestyle have a positive and significant effect on Student Financial Management. These findings are in line with the framework of the Theory of Planned Behavior. This study recommends improving financial literacy and strengthening more planned attitudes and lifestyles as effective strategies in encouraging healthy financial management behavior among students.
Klasifikasi Mahasiswa HER Berbasis Algoritma SVM dan Decision Tree Purnama, Jajang Jaya; Nawawi, Hendri Mahmud; Rosyida, Susy; Ridwansyah, Ridwansyah; Risnandar, Risnandar
Jurnal Teknologi Informasi dan Ilmu Komputer Vol 7 No 6: Desember 2020
Publisher : Fakultas Ilmu Komputer, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25126/jtiik.0813080

Abstract

Mahasiswa di setiap perguruan tinggi dituntut untuk memperoleh pengetahuan dan keterampilan yang memenuhi syarat dengan prestasi akademik. Hasil dari pembelajaran mahasiswa didapat dari ujian teori dan praktek, setiap mahasiswa wajib menuntaskan nilai sesuai kriteria kelulusan minimum dari masing-masing dosen pengajar, jika dibawah batas minimum maka mahasiswa mengikuti her. Her adalah salah satu cara untuk menuntaskan kriteria kelulusan minimum. Mahasiswa yang mengikuti her setiap semesternya hampir mencapai angka yang relatif tinggi dari jumlah seluruh mahasiswa. Untuk mengurangi jumlah mahasiswa yang mengikuti her maka dibutuhkan sebuah metode yang dapat mengurangi hal tersebut, dengan metode Support Vector Machine (SVM) dan Decision Tree (DT). SVM dan DT adalah salah satu metode klasifikasi supervised learning. Oleh karena itu, dalam penelitian ini menggunakan SVM dan DT. SVM dapat menghilangkan hambatan pada data, memprediksi, mengklasifikasikan dengan sampling kecil dan dapat meningkatkan akurasi dan mengurangi kesalahan. Klasifikasi data siswa yang melakukan her/peningkatan dengan mengimprovisasi model kernel untuk visualisasi termasuk bar, histogram, dan sebaran begitu juga Decision Tree mempunyai kelebihan tersendiri. Dari hasil penelitian ini telah didapatkan akruasi dan presisi model DT lebih besar dibandingkan dengan SVM, akan tetapi untuk recall DT lebih kecil dibandingkan SVM. AbstractStudents in each tertiary institution are required to obtain knowledge and skills that meet the requirements with academic achievement. The results of student learning are obtained from the theory and practice exams, each student is required to complete grades according to the minimum graduation criteria of each teaching lecturer, if below the minimum limit then students take remedial. Remedial is one way to complete the minimum passing criteria. Students who take remedial every semester almost reach a relatively high number of the total number of students. To reduce the number of students who take remedial, a method that can reduce this is needed, with the Support Vector Machine (SVM) and Decision Tree (DT) methods. SVM and DT are one of the supervised learning classification methods. Therefore, in this study using SVM and DT. SVM can eliminate barriers to data, predict, classify with small sampling and can improve accuracy and reduce errors. Data classification of students who do remedial/improvements by improving the kernel model for visualization including bars, histograms, and distributions as well as the Decision Tree has its own advantages. From the results of this study it has been obtained that the accuracy and precision of DT models is greater than that of SVM, but for recall DT is smaller than SVM.
Co-Authors Abdul Hamid Adris Ade Putra Ahmad Mujahid, Ahmad Alayzha, Vivi Nur Alfian, Achmad Ali, Karnila Allimmah, Khoirunnisa Nurul Amelia, Merry Amrina, Dania Hellin Andharsaputri, Resti Lia Andi Saryoko ANGGUN RACHMAWATI, ANGGUN Anip Dwi Saputro, Anip Dwi Anus Wuryanto Ardini Saptaningsih Raksanagara, Ardini Saptaningsih Arisca, Nurmalita Arizona, Riza Asnawati Asnawati Ayasar, Prayogi Putra Bahar, Muh. Mahdinul Baharuddin, Andi Rakhmat Dinar, Ashari Seribu Djawad , Yasser Abd Dwimutian, Febyviani Elisa Julianti Era Yusraini Erike Anggraeni Ersi Sisdianto Esty Purwaningsih Evendi, Rustam Faika, Siti Faizah, Siti FARAH FAHMA Farhana, Nur Laila Fatma Lestari Fortuna, Salsabila Mutia Fortuna, Salsabilla Mutia Ganda Wijaya, Ganda Ganggang Canggi Arnanto Ghani, Wan Ruslan Abdul Gianova, Erin Gusti, Wahyu Ramadhani Gustika Nurmalia Hafis Nurdin Haripuddin . Haris Herdiansyah, Haris Hartati, Eka Yuni Hendra Jaya Heni Noviarita Herfina, Inne Dwi Herlambang, Saifuddin Herliawan, Irwan Hidayat, Icha Afrillia Idris, Maruf Idris, Ma’ruf Ifna, Nur Ifna Indah Ariyati Indayani Indra Sukma, Indra Irfansyah, Nanda Irmawati Carolina Ispandi Ispandi, Ispandi Jajang Jaya Purnama Jhody Wiraputra Juwita, Safna Kahfi, Ahmad Hafidzul Khaswar Syamsu Kresna Ramanda Kustia, Kustia Labusab, Labusab Lasmiatun, KMT Lawelendo, Lawelendo Mantasia Mantasia Marariza, Helma Mayzal, Tiondon Meilissa Ayu Pratiwi Moh. Muslih Monalysa, Lita Muhammad Iqbal Fasa Mustamin Mustamin Mutahharah Hasyim, Mutahharah Naffati, Abdel Kadir Nawawi, Hendri Mahmud Northa Idaman Novriyanto, Abib Nugraha, Fitra Septia Nurhasmi Nurhasmi Nursalma, Intan Nusasenjaya, Radite Okta Sari Okta Supriyaningsih Oky Kurniawan Pariabti Palloan Ponta, Tasri Pratama, Reza Hardian Purnama Soiswaty, Dwi Purwadhi Purwadhi Purwoko, Reza Yuridian Ramadhani, Mutiara Razimi, Mohd Syahril Ahmad Retno Sari Rian Andriani, Rian Rima Melati Risal, Ahmad Risnandar, Risnandar Rizki, Marisa RIZQINA, AULIA LAILY Rosyda, Susy Ruray, Titiek Arafiani Sabril, Aulia Samad, Putri IS Samman, Muhammad Sanusi, Dirga Kaso Sari, Defya Sari, Yetri Martika Sari, Yuniar Sartika Septina, Mulya Jayanti Putri Setiawan, Zunan SRI RAHAYU suhaeb, Sutarsi Suhartono sulis, sulistiawaty sulis, sulistiawaty - Supriadi Supriadi Suprianingsih, Okta Susanto, Is Susy Rosyida Tauhidin Abas, Totoh Terip Karo-Karo Theresia Santi, Theresia Titi Candra Sunarti Tubarad, Chara Pratami Tidespania Tyas, Prayoga Ning Usman Usman Wahrini, Retyana Wahyu Iryana Weny Rosilawati Wiraputra, Jhody Yahya, Haidar Silmi Yunita Sari Zen, Hasrul