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IMPLEMENTASI MODEL PENGEMBANGAN BISNIS BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) Susilowati, Etty; Istikomah, Kartini; Laksmiwati, Mia; Rolanda, Ivo
Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT Vol 5 No 1 (2020)
Publisher : Economic Faculty, Attahiriyah Islamic University

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Purpose-The purpose of the research is to design the BPRS business model will become a benchmark for the preparation of the Syariah banking operational business framework.Design/methodology/approach-The data collection method is the Questionnaire or Questionnaire method. The study population was BPRS in DKI Jakarta, West Java, and Banten Provinces, the study sample was BPRS Harta Insan Karimah, BPRS Al Salaam, and BPRS HIK Insan Cita. Data is processed using the Structural Equation Model (SEM) analysis method with Smart PLS application.Findings- Product, system and procedure variables, human resources and technology did not have a significant effect while infrastructure and location variables had a significant effect on customer decisions in choosing an SRB service.Implications- Information technology in BPRS must be applied to all business processes in order to face competition and continue to develop in the industrial era 4.0. Keywords: Business Model, BPRS, Information Technology

The Evaluation of Cooperative’s Role in Soybean Supply Chain: A Case Study on Tofu and Tempeh Cooperatives in Indonesia Susilowati, Etty; Oktaviani, Rina; Arifin, Bustanul; Arkeman, Yandra
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi Vol. 21, No. 2
Publisher : UI Scholars Hub

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This study aimed to analyze and evaluate the extent of relationship between the soybean demand in a region and the number of cooperatives in the area, as well as the extent of relationship between the number of cooperative members (tofu and tempeh producers) and the number of cooperatives in the area. This study uses a quantitative approach based on primary data, later processed using Pearson correlation method. The results of data processing show that there is no significant relationship between the number of cooperatives and the number of producers. Furthermore, there is also no significant relationship between the number of cooperatives and existing soybean demands. This indicates the low role of cooperatives in the national soybean supply chain at the present. Therefore, there are two policy options that can be made. First, a radical policy, i.e. to leave out PRIMKOPTI in soybean supply chain at all. Second, the still mainstream policy, i.e. to still involve PRIMKOPTI, thus in order to make long-term programs in soybean business administration run well, PRIMKOPTI should be institutionally empowered and strengthened to achieve its business resilience.

POTENSI WARISAN BUDAYA TRADISIONAL DALAM RANAH HUKUM HAK KEKAYAAN INTELEKTUAL Etty Susilowati
Masalah-Masalah Hukum Vol 44, No 1 (2015): MASALAH-MASALAH HUKUM
Publisher : Faculty of Law, Universitas Diponegoro

Traditional cultural heritage has the potential to constantly evolve , so should receive legal protection, particularly in developing countries that have an interest in protecting the cultural heritage of his people . All of them need serious attention to avoid the use by other parties who are not responsible. For the traditional cultural heritage have time to have a formal legal instrument , since the rules currently owned is still very low and have not been able to provide optimal protectionWarisan budaya tradisional berpotensi untuk selalu berkembang, sehingga perlu mendapat perlindungan hukum,terutama pada negara-negara berkembang yang mempunyai kepentingan melindungi kekayaan warisan budaya bangsanya. Kesemuanya perlu mendapatkan perhatian yang serius untuk menghindari dari pemanfaatan oleh fihak lain yang tidak bertanggung jawab. Untuk itu warisan budaya tradisional telah saatnya memiliki instrumen hukum secara formal, berhubungaturan yang dimiliki saat ini masih sangat minim dan belum mampu memberikan perlindungan secara optimal.

The Impact of the Covid-19 Pandemic on Banking Risks and Performance Susilo Surahman; Irsyad Kamal; Renya Rosari; Etty Susilowati; Pandu Adi Cakranegara
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 1 (2022): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i1.3777

This study aims at analyzing banking risks and performance during the COVID-19 pandemic which will affect the soundness of the bank. In this study, the researchers applied the qualitative method by examining the condition of natural objects, positioning the researchers as the key instrument, applying triangulation (combination) in the data collection, and analyzing data inductively. The analyzed data in this study was collected by implementing library research, which is a study carried out by collecting data from books, journals, articles, magazines, and internet sources related to research problems. The collected data from internet sources were in the form of stock price data and transaction volume at banks on the Indonesia Stock Exchange. Those data were obtained from idx.co.id and ojk.go.id. Results of this study indicate that all banks tend to experience a decline in the value of risk-weighted assets, capital adequacy ratios, and interest income at each bank and sectoral level. Moreover, larger banks are relatively more vulnerable. The decrease in those three dimensions is predicted to increase disproportionately if the NPL shock becomes larger. The findings further suggest that a 10% NPL shock can force the capital adequacy of all banks to fall below the BASEL III minimum requirement, while a shock of 13% or more can turn it into zero or negative at the sectoral level. Apart from that, the call to stay at home has an impact on many sectors, especially the banking sector, so that financing growth slows and non-performing financing increases because many people have lost their jobs. This non-current financing definitely will have an impact on banking financial performance, leading to non-performing financing (NPF).

The Impact of the Covid-19 Pandemic on Banking Risks and Performance Susilo Surahman; Irsyad Kamal; Renya Rosari; Etty Susilowati; Pandu Adi Cakranegara
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 1 (2022): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i1.3980

This study aims at analyzing banking risks and performance during the COVID-19 pandemic which will affect the soundness of the bank. In this study, the researchers applied the qualitative method by examining the condition of natural objects, positioning the researchers as the key instrument, applying triangulation (combination) in the data collection, and analyzing data inductively. The analyzed data in this study was collected by implementing library research, which is a study carried out by collecting data from books, journals, articles, magazines, and internet sources related to research problems. The collected data from internet sources were in the form of stock price data and transaction volume at banks on the Indonesia Stock Exchange. Those data were obtained from idx.co.id and ojk.go.id. Results of this study indicate that all banks tend to experience a decline in the value of risk-weighted assets, capital adequacy ratios, and interest income at each bank and sectoral level. Moreover, larger banks are relatively more vulnerable. The decrease in those three dimensions is predicted to increase disproportionately if the NPL shock becomes larger. The findings further suggest that a 10% NPL shock can force the capital adequacy of all banks to fall below the BASEL III minimum requirement, while a shock of 13% or more can turn it into zero or negative at the sectoral level. Apart from that, the call to stay at home has an impact on many sectors, especially the banking sector, so that financing growth slows and non-performing financing increases because many people have lost their jobs. This non-current financing definitely will have an impact on banking financial performance, leading to non-performing financing (NPF).

Distribution of Authority for Mining Business Permits between the Central Government and Regional Governments After the Enactment of the Minerba Law Number 4 of 2009 Cakranegara, Pandu Adi; Rahadi, Dedi Rianto; Susilowati, Etty
Journal of Progressive Law and Legal Studies Том 1 № 02 (2023): Journal of Progressive Law and Legal Studies
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jplls.v1i02.46

Mining commodities are strategic commodities for the Indonesian people because they are a source of state revenue. On the other hand, mining has a significant social, economic, and political impact. Therefore, the decision to grant a mining permit needs to be considered carefully. The Minerba Law of 2009 took over some authority to the Central Government. This takeover creates a conflict in the Regional Government which wants the authority to grant permits to reside with the regional government. By using normative analysis, this study tries to see the purpose of the Minerba Law Number 4 of 2009. This research shows that apart from granting permits, other factors need to be considered, namely how the mining sector provides revenue and benefits the local community.

KAJIAN KELAYAKAN DAN EVALUASI AKTIVA TETAP PADA UMKM MILENIAL Tristanto, Sigit Heri; Yuwono, Minto; Susilowati, Etty
Jurnal Investasi Vol. 10 No. 2 (2024): Jurnal Investasi Vol. 10 No 2
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/investasi.v10i2.305

Penelitian ini bertujuan untuk menganalisis kelayakan investasi aktiva tetap pada UMKM Milenial di bidang makanan ringan. Metode yang digunakan adalah studi kasus deskriptif kualitatif dan analisis kelayakan investasi dengan metode Payback Period, Net Present Value (NPV), dan Internal Rate of Return (IRR). Hasil penelitian menunjukkan bahwa investasi aktiva tetap pada UMKM Milenial di bidang makanan ringan layak untuk dilaksanakan berdasarkan metode NPV dan IRR. Metode NPV menghasilkan nilai positif sebesar Rp 99.986.000, sedangkan metode IRR menghasilkan nilai 33.178%, lebih tinggi dari tingkat diskon 8%. Namun, berdasarkan metode Payback Period, investasi ini tidak layak karena nilai Payback Period (2 tahun 7,3 bulan) lebih lama dari periode yang ditentukan perusahaan (2 tahun). Kesimpulannya, investasi aktiva tetap pada UMKM Milenial di bidang makanan ringan layak untuk dilaksanakan berdasarkan analisis NPV dan IRR, namun perlu dipertimbangkan kembali berdasarkan Payback Period.

PENGARUH BIAYA OPERASIONAL TERHADAP LABA Gian, Erick Ivan; Yuwono, Minto; Susilowati, Etty
Jurnal Investasi Vol. 10 No. 2 (2024): Jurnal Investasi Vol. 10 No 2
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/investasi.v10i2.308

Penelitian ini bertujuan untuk menguji pengaruh biaya operasional terhadap laba pada Koperasi Simpan Pinjam (KSP) Karya Harta Singaraja. Penelitian ini menggunakan metodologi kuantitatif dengan pendekatan kausalitas untuk menjelaskan hubungan sebab akibat antara biaya operasional dan laba. Subjek penelitian adalah KSP Karya Harta Singaraja, dan objek penelitiannya adalah biaya operasional dan laba. Hasil analisis regresi linear sederhana menunjukkan bahwa biaya operasional (X) memiliki hubungan parsial yang positif dan signifikan terhadap laba (Y). Koefisien determinasi (R2) sebesar 71,2% menunjukkan bahwa 71,2% variasi laba (Y) dijelaskan oleh variasi biaya operasional (X). Temuan ini menunjukkan bahwa peningkatan biaya operasional (X) akan berakibat pada penurunan laba (Y). Hal ini menandakan bahwa biaya operasional merupakan salah satu faktor yang memengaruhi laba KSP Karya Harta Singaraja.

The Micro, Small, and Medium Enterprises (MSMEs) Incubation Centers to Strengthen Local Economies and Foster Entrepreneurship in Kaliabang Tengah Regency Susilowati, Etty; Lestari, Setyani Dwi; Prasetya, Rizky Eka
Pengabdian: Jurnal Abdimas Vol. 2 No. 1 (2024)
Publisher : Yayasan Pendidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55849/abdimas.v2i1.553

Background. Kaliabang Tengah Regency, a region with immense potential and entrepreneurial spirit, has faced persistent challenges hindering the growth of Micro, Small, and Medium Enterprises (MSMEs). Limited access to resources, training, and financing options has thwarted the aspirations of local entrepreneurs. A community service initiative was launched to establish MSME Incubation Centers in response to these challenges. Purpose. The primary purpose of this community service project is to empower local entrepreneurs in Kaliabang Tengah Regency by providing them with the necessary tools, knowledge, and support to start and grow their businesses. Method. The procedure outlined for establishing the Micro, Small, and Medium Enterprises (MSMEs) Incubation Centers in Kaliabang Tengah Regency does indeed utilize guidance and socialization methods as integral components of the process. Results. The incubation centers can lead to a surge in regional entrepreneurial activities. More individuals and groups may be inspired to start their businesses. Existing MSMEs that utilize the resources and support provided by the incubation centers may experience substantial growth. As local MSMEs expand and new businesses emerge, there is a potential for a significant increase in job opportunities within the community. Conclusion. By providing essential resources, fostering innovation, and empowering local businesses, these centers have the potential to catalyze economic growth, job creation, and increased prosperity within the community. Furthermore, the active engagement of stakeholders, robust socialization efforts, and a commitment to monitoring and evaluation will be crucial in ensuring this initiative's long-term success and sustainability. As Kaliabang Tengah Regency moves forward with this endeavor, it stands poised to become a beacon of entrepreneurship and economic resilience.

EFFECT OF SOYBEAN (Glycine max) AND LUPIN (Lupinusangustifolius) RATIOS STARTER TYPES, AND BOTH INTERACTIONS ON CHARACTERISTICS OF SUBSTITUTED TEMPEH Hartantie, Kartini; Susilowati, Etty; Sutrisno, Asep Dedy; Sumartini, Sumartini
Jurnal Pertanian Vol. 11 No. 1 (2020): APRIL
Publisher : Universitas Djuanda

Indonesia’s high dependence on soybean imports as a raw material for tempeh has brought various efforts to find a substitute of this raw material. One of the most potential substitute is lupin (Lupinusangustifolius). However, the mass adoption of these beans as raw material for tempe production is still low. In this study, we test effects of several ratios between soybeans and lupine, by using mix starters on the characteristics and quality of a substituted tempeh. The results indicated that the best treatment for the substituted tempeh was a2b6 treatment with a 1: 2 ratio of soybeans and lupin by using the starter produced by Indonesian Institute of Sciences (LIPI). Moreover, the substituted tempeh has a low water and fiber content as well as sensory acceptable.

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