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Finance Technology as a Solution to Get Capital for Small Business Today: Teknologi Finance Sebagai Solusi Mendapatkan Modal Bagi Usaha Kecil Saat Ini Sutikno, Sutikno; Kuruppuarachchi, Duminda
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 1 No. 1 (2021): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (437.287 KB) | DOI: 10.30656/jkk.v1i1.3964

Abstract

Financial technology in Indonesia has enormous potential and is easy to manage compared to banks. Financial technology is also easier to use as a source of capital for both stable companies and start-ups. Despite the fact that the great potential can be felt by the public. Other current financial technology companies can integrate funding, financing, and profit distribution systems. In the current era, it is supported by the use of digitalization process technology and using the Financial Technology (FinTech) system so that it is economical and efficient. The benefits of this research are expected to be a solution to capital problems that have been faced by small businesses. In addition, it also encourages the growth and development of entrepreneurship for young people, which can be started by establishing a startup company. This research approach is descriptive qualitative. The data taken is primary data with focus group discussions and interviews as data collection techniques. The research object consists of 30 startups owned by youth in Jakarta. The results of this study can be used as an alternative economical solution to capital problems for small businesses and startup companies. The Financial Technology System is a system that is able to integrate funding, financing, investors, startup companies, Financing Guarantee Institutions, and Banks
The Impact of Islamic Banks in Financing MSMEs in Serang City : Dampak Bank Syariah Dalam Pembiayaan Umkm Di Kota Serang Sutikno, Sutikno; Irwani Abdullah, Nurdianawati
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 1 No. 1 (2021): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (437.503 KB) | DOI: 10.30656/jkk.v1i1.3965

Abstract

This study aims to determine the impact of BSM in financing MSMEs in Serang City. The impact of BSM in financing MSMEs in Serang City is currently focused on providing business capital and business assistance. To what extent does Serang Branch BSM play an active role in empowering the community's economy in increasing the business of micro customers by continuing to provide capital financing for entrepreneurs who have prospects and meet the requirements in applying for financing The research method used is qualitative research by collecting data. The results of the study found that the factors that influence BSM in financing MSMEs in Serang City are seen from the types of products that are in demand where people's business loans are used as financing that helps small and medium enterprises in running their business
Restructuring As An Effort To Reduce The Impact Of Problem Financing On Griya Ib Hasanah Produc: Restrukturisasi Sebagai Upaya Mengurangi Dampak Pembiayaan Bermasalah Pada Produk Griya Ib Hasanah Liaanjani, Devi; Sutikno, Sutikno
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 1 No. 1 (2021): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (355.347 KB) | DOI: 10.30656/jkk.v1i1.3969

Abstract

Impact of non-performing financing on the iB Hasanah home product at BSI KC Cilegon, How is the process of implementing restructuring on Griya iB Hasanah products at BSI KC Cilegon.Purpose : to determine the impact of non-performing financing and restructuring on Griya iB Hasanah products at BSI KC Cilegon.Methodology : This research was conducted using a qualitative descriptive method with the theory of problematic financing restructuring. As for the population, the Indonesian sharia bank KC. Cilegon as many as 2 informants, namely the collection assistant division and the Remedial Recovery Assistant. This research was conducted at Bank Syariah Indonesia KC. Cilegon in April to June. Data were collected through interviews and analyzed by data reduction.Results/Findings : Financing is a bank activity to channel funds to the public. The distribution of funds in the form of financing must be based on the trust given by the bank to customers who want to do financing. Banks must have confidence in customers that the funds provided will run properly and can be paid off, because the risk of financing is a big risk that results in problematic or bad financing. The impact of non-performing financing will disrupt bank operations and liquidity, the increasing NPF will greatly affect the bank and customer confidence in the bank will decrease, the lack of bank ability to expand financing will have a negative impact on the economy.To overcome the problem financing, the bank has a strategy in solving problem financing, namely by way of billing by telephone, giving warning letters or warnings, restructuring, namely Rescheduling, Reconditioning, Restructuring).Paper type : data reductio
Sharia Bank Credit Management In Entrepreneurship Sutikno, Sutikno; Suhaemi, Muhamad; Irsad Ariffin, Muhammad
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 2 No. 1 (2022): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v2i1.5829

Abstract

The provision of credit for entrepreneurs is currently a separate issue for Islamic banks because they have a small market segment. How to manage Islamic bank credit to expand the market for entrepreneurs in accordance with government policies in supporting the current recovery. For this reason, banks need to manage existing credit so that avoid the risk of bad credit that will arise in the future. For credit management for bank entrepreneurs, it should look at the income generated by business actors per year, in addition to the type of business that has a high level of buyer interest, the bank must pay attention to it. can find out the level of credit risk that exists so that it provides behavior to existing entrepreneurs.
Trend Comparison Of Bank Sustainable Financial Statements Based On Assessment Of Economic Aspects, Environmental Aspects, And Social Aspects Sutikno, Sutikno; Oktaviano, Egy Tri; Faroji, Fajar
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 2 No. 2 (2023): Januari-Juni
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v2i2.6945

Abstract

The acceleration of unbalanced economic development has an impact on environmental damage and social inequality. This article aims to find out how the trend of comparing sustainable financial statements in banks is based on assessments from economic aspects, environmental aspects, and social aspects. This sustainable financial report is the first time it has been applied to financial service institutions that have been determined based on the regulatory policies of the Indonesian Financial Services Authority. descriptive quantitative is used as a method that helps researchers in conducting research with trend analysis of sustainable financial statements comparison in banking from 2020-2021, at the bank that won the Annual Report Award in the Category of Listed Financial Banking. Research results based shows that economic, social, and environmental damage can be overcome with awareness by each bank in providing financing to consumers who care about these three aspects. This sustainable financial report is so that it can be used by the company as a policy improvement on the awareness of the financial services industry to apply from economic, environmental, and social aspects
Financial Company Decisions Using Social Media Content Sutikno, Sutikno; Ramadani, Mery; Melyanti, Melyanti
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 3 No. 1 (2023): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v3i1.8161

Abstract

Financial applications that make it easier for people to invest using technology. One of the efforts they can do is by looking for applications in the financial technology (FinTech) sector in the midst of developing technology in the internet of things (IoT) era. Company X is one of the FinTech sector companies that has an application to make interbank transfers free of admin fees and investment services. This application can help people manage finances, an issue that is being faced by millennials today about the tendency to use their money for entertainment rather than investment. This is also the basis for the company's decision to use their social media, by using content marketing strategies to attract the public. Content is created using message characteristics and builds brand awareness with excellence, can transfer between banks with free admin fees, and investment features easily and attractively for millennials. The method used is qualitative content analysis by looking at how much content is created through social media in responses. The results of this study show where the content marketing strategy carried out by financial company X on social media accounts, one of which is Instagram, provides characteristics built by companies that focus on educational, entertaining, persuasive characteristics that are packaged attractively for the millennial generation
Pendidikan Islam Dalam Krisis Manusia Modern: (Perspektif Filsafat Perennial) Sutikno, Sutikno
MADINAH Vol 4 No 2 (2017): Madinah: Jurnal Studi Islam
Publisher : INSTITUT AGAMA ISLAM TARBIYATUT THOLABAH LAMONGAN, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (115.812 KB) | DOI: 10.58518/madinah.v4i2.188

Abstract

This study focuses the Perenialism philosophy perspective of Islamic education in the crisis of modernity of wave of contemporary capitalism and liberalism. Crisis of modern man was rised since early periode of enlightenment caused by domination and ideologization of positivisim, rationalism and empirism those rised capitalism dan liberalism was forced by globalization machine that penetrates to whole of world territory. Those domination and ideologization centered to instrumental rationality based on ideological process to all aspects of human life. Islamic education in the crisis of modernity was qualitative research which used library research methods. Analise of this This study was philosophical and ideological approaches. Conclusion of this study that perenial perspective was an alternative solution in the crisis of modernity . Philosophically, perenial perspective was used as critical paradigm to deconstruct and reconstruct instrumental rationality in the modern paradigm capitalistically and liberalistically. In Islamic education, perenial perspective was a foundation of curricula construction through sociological and philosophical dialectics both in socio cultural structures or educational institutions.
Islam Dalam Globalisasi: (Pengembangan Nalar Kritis Dalam Ilmu KeIslaman Kontemporer) Sutikno, Sutikno
MADINAH Vol 9 No 2 (2022): Madinah: Jurnal Studi Islam
Publisher : INSTITUT AGAMA ISLAM TARBIYATUT THOLABAH LAMONGAN, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/madinah.v9i2.1447

Abstract

This articles focuses on the Islam and globalization dialectics as a phenomenon in modern and postmodern conditions. Development of globalization revolutions presented several elements, especially cyber-space, postmodern culture and late capitalism ideological foundation. Development and improvement of Islamic studies in Indonesia still based on modernity paradigm that needs postmodernity paradigm. Relevance of postmodernity paradigm in Islamic studies to resolute and resolve the problem of globalization which muslim peoples are live in cyber-space controlled and leaded by late capitalism and postmodern culture in every day life. This revolution of globalization media implicates the existencial crisis which Islam has accountability to resolve and resolute based on tha basic principle of Islamic doctrine. Development of Islamic sufism and philosophy was resolution alternative to resolve the crisis of modern and postmodern man. Integration of Islamic sufism and critical philosophy paradigm has relevance to improve and develop paradigm of Islamic studies in contemporary Indonesian Islam.
UJI KUALITAS DAGING SAPI OTOT BICEP FEMORIS (BF) DI PASAR SANGATTA KUTAI TIMUR KALIMANTAN TIMUR Tamal, Mey Angraeni; Sutikno, Sutikno; Yance, Yance
ZIRAA'AH MAJALAH ILMIAH PERTANIAN Vol 49, No 3 (2024)
Publisher : Pusat Publikasi Jurnal Universitas Islam Kalimantan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/zmip.v49i3.14753

Abstract

The purpose of this study is to determine the quality of beef with Bicep femoris (BF) muscle parts traded in the Sangatta markets, East Kutai. This study uses Complete Random Design (RAL) with 3 treatments and 3 replications and the tests carried out are pH test, colour test and TPC test. The treatment consists of 3 markets, namely South Sangatta Market, Teluk Lingga Market, and Main Market. The results showed that the physical quality of beef color in the BF muscle was significantly different, namely Pasar Sangatta Selatan quality II while Pasar Teluk Lingga and Pasar Utama quality I. The results of beef pH analysis in the three markets were not significantly different and were within the normal range. TPC tests on the muscle parts of BF cows in all three markets showed that 63% were below the threshold and 37% were above the threshold. All parties involved in the provision of meat need to pay attention to the cleanliness of the meat. 
Distribusi Penyakit Bulai Jagung (Peronosclerospora maydis) pada Lahan Pertanaman Jagung dengan Pendekatan Geostatistik Nirwanto, Hery; Sutikno, Sutikno
Jurnal Penelitian Pertanian Terapan Vol 24 No 4 (2024)
Publisher : Politeknik Negeri Lampung.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25181/jppt.v24i4.3431

Abstract

Downy mildew Peronosclerospora spp. is an important disease in corn (Zea mays L.). The damage of downy mildew caused by Peronosclerospora spp. is this pathogen can reach 90-100%, especially in corn varieties that are susceptible to downy mildew. So far, most research has only been limited to knowing the incidence of the disease, without being able to describe the spatial distribution pattern of downy mildew in the planting area. This research aims to determine the occurrence of disease and the spatial distribution patterns of downy mildew on a geospatial basis. Samples were taken from three corn fields affected by downy mildew on three fields planted with corn plants that were attacked by downy mildew. Data on the level of infestation, along with its coordinates, were used to create a theoretical semivariogram model, Gaussian, spherical, exponential. The distribution pattern is approached by interpolating attack level data using the kriging method. The research results show that the appropriate theoretical semivariogram model to describe the distribution of P. maydis in the observation area is the Gaussian model. The distribution of pathogens throughout the observation area began with a clustered pattern and evened out at the end of the observation. Foci had a clustered pattern in the first to fourth weeks of observation. Then each foci experienced development, so that the distribution pattern changed to become even after the fifth week of observation.
Co-Authors Achmad Syaifudin Achmad Yanu Aliffianto Ade Mulyanah Adhi, Nino Adie, Ciska Fitria Agnes Tuti Rumiati agus maryono Agus Sigit Pramono Agus Suhardono Agus Yulianto Agustiani, Esthi Liani Agustin, Alda Agustinus Purna Irawan Ah. Zakki Fuad Ahmad Dini Ahmad Kamil Ahmad Nurkhin AJI, BAYU Alfathi Finna Hari Alhadi, Kafi Hannan Alief Wikarta Amnesti, Rahayu Tias Wulan Anang Kistyanto Andi Mariani Z, Andi Ani Rusilowati Antonius Wijanarto, Antonius Apandi , Ismail Ardhiyani , Marlina Arhama , Fadhila Putri Arif Wibawa, Helmie Arif Widiyatmoko, Arif ARIS PONIMAN Aris Sugiharto Arisandi, Syafik Arista Anggun Sa’adah Fatiah Fitri Arista Rahayu, Arista Arista, Cicik Ariyanto, Eric Teguh Asmaria, Asmaria Asnawi Asnawi Assalami, M. Ihlal Fauqi Asteria, Prima Vidya Astiti, Adam Astuti, Sri Dweni Astutik, Erna Puji Aswari, Cindy Andre Atmaja, Indah Sulistia Wardana Auliq, M Aan Auliq, Muhammad A'an Awalsyah, Annisa Aza, Vestiana Azizah, Virana Azrul Azwar Azzahrah, Ardaniyatus Badrus Sholeh Baiqqolbi, Saybill Nur Basuki, Nur Bambang Budi Astuti Budi Harto Butar, Dantoni Butar Butar-Butar, Dantoni Butarbutar, Norita Cahyoko, Fajar Dwi Cece Sumantri Chatarina Umbul Wahyuni Choiruddin, Achmad Dairoh Dairoh, Dairoh Dalimunthe, Syadwina H. Damayanti, Hanni Dandy Pramana Hostiadi Daniati, Mutiara Ayu Daniel Kurniawan Darayani, Dina Khairunnisa Darmakusuma Darmanto Darsono, Teguh Decky Indrawan Junaedi Deni Putra Arystianto Devi Zettyara Dewi Lutfianawati, Dewi Dewi, Nuriana Rahmani Diah Safitri Dony Bagus Kresnadana, Dony Bagus Duanda Lis Septiawan Dwi Ayu Rakhmawati Eddy Setiadi Soedjono Edi Purwanta Edi, Sukiswo Supeni Efendi, Medi Eka Afriandi, Eka Eka Fatmawati Tihurua Eka Nurdiana Eko Budi Santoso EKO HARIADI Eko Saputro, Danang Ergantara, Rani Ismiarti Evi Gusmayanti F Widhi Mahatmanti Fahreza, Muhammad Ramadhan Bagus Fahrezi, Haikal Faroji, Fajar Fatih , Moh. Khoirul Febrian Sugianto, Febrian Ferdiansyah, Syahrul Fianti Fianti, Fianti Fikriyah, Minkhatul Firdhosiyah, Siti Fitriana Fitriana Fitriastuti, Viska Fitriyah, Nur Qodariyah Gede Angga Pradipta, Gede Angga Gusti Zulkifli Mulki Hanapi, Mohd Shukri Hanik Yuni Alfiyah, Hanik Yuni Hardiyanto, Wahyu Hardjomuljadi, Surwono Hardman Budihardjo Hardoyo Hardoyo, Hardoyo Harfianto, Unggul Harianto II Harsanti, Winda Hartati, Zulfah Hartono Hartono Harus Laksana Guntur Hasani, Muhammad Fikri Hasaniyyah, Nadiyya Haviluddin Haviluddin Helmie Arif Wibawa HENDRA GUNAWAN B11211055 Henny Oktavianti Hermawan, Dessy Herry Nirwanto Heru Hendrayana Hogi Er Pranata, Hogi Er Huda, Iqbal Miftachul Humaira, An Nisaa Siti Hutabarat, Prima W.K. I Nyoman Sutantra I PUTU GEDE P. DAMAYANTO, I PUTU GEDE P. Ibrahim, Muhammad Rivani Iin Indra Wahyuni, Iin Indra IKMAH, ISTI Ikrar Hanggara, Ikrar Irawan, Dudi Irawan, Shafira Aulia Rosyida Irfandi, Yoga Prastya Irsad Ariffin, Muhammad Irvansyah, Moh. Faiz Irwani Abdullah, Nurdianawati Ishak, Andi Baso Lompengeng Islammiyati, Islammiyati Isnayanti, Riska Sukma Isti, Lailia Arditya Isti’anah, Anis ISWAHYUDI ISWAHYUDI Iswahyudi, Iswahyudi Jakaria Jakaria Jamilah Jamilah Janshar, Andi Jerry Dwi Trijoyo Purnomo Jing, Zhen Joni Ariansyah, Joni Jordani, Nahyan Zayed Junilia, Elsy Juwita, Putri Karimaliana, Karimaliana Kartika Nur Anisa Kartika, Ajeng Dianing Karunia, Sufi Kesumajaya, I Nyoman S Khadijah Khadijah Khalimatussakdiah, Khalimatussakdiah Khoirunisa, Amelia Kurniati Kurniati Kuruppuarachchi, Duminda Laila Fitriani Lantip Trisunarno Lestari, Eka Dian Liaanjani, Devi lnuwih, Suharto Lomba Sultan M. Widyastuti Mahardika Prasetya Aji Makmur, Erwin Eka Syahputra Manurung, Noviani Manda Sari Mario M. Cabral, Mario M. Marlinda, Aimi Marpaung, Prama Nita Marpaung, Putri Sarina MARTIANSYAH, Irfan Martien Herna Susanti Maslichah, Dina Maulana, Fathur Chandra Mayvani, Titov Chuk's Mellysa Nur Awalia Melyanti, Melyanti Mey Angraeni Tamal, Mey Angraeni Mimi Rosadi Mintarsih Mintarsih, Mintarsih Miranda, Zesty Moechammad Taufik, Robby Mohamad Zenurianto Mokhamad Fakhrul Ulum, Mokhamad Mufarida, Nely Ana Mugi Lestari, Mugi Muh Bahruddin MUHAMMAD FAHMI Muhammad Haidar Muhammad Rasyid Ridla, Muhammad Rasyid Muhammad Roby, Muhammad Muhammad Sri Wahyudi Suliswanto Munthe, Chepbriandi Mursid Raharjo Mutiara Sari, Rizki Nahak, Bileam Yerdan Nainggolan, Ninda Yera Setyo Nasoetion, Panisean Nasution, Taufikurrahman Natalina Natalina Nazaruddin Malik Ndruru, Dafid Timotius Neng Wina Shalehah Ni Made Paramita Setyani Nirmawan Nirmawan Noor Aini Habibah Nugraheny, Hesty Nugroho, Krisna Ardi Nur Ainun Nurhalim Nurhalim, Nurhalim Nurmairina Nuroini, Husna Mir'atin Nurrahma, Faizah Oktasari, Yosa Oktaviana, Karina Oktaviano, Egy Tri Oktaviya, Yetty Dewi Parmin - Perdana, Andre Pebrian Permatasari, Gita Ayu Peter Gell Prasetia, Senata Adi Prastyo, Angga Prihandani, Nugroho Priyo Sidik Sasongko PS, Alaika M. Bagus Kurnia Pudjowati, Utami Retno Pulungan, Muhammad Anhar Purhadi Purhadi Purnomo, Fadjar Putra, Dua Rizki Dharma Putra, Fernaldy Wananda Putri Romadani, Nadia Putu Desiana Wulaning Ayu Putu Manik Prihatini Putut Pamilih Widagdo, Putut Pamilih R Aryawijayanti, R R, Nadia Putri R. Madhakomala Ragil Saputra Rahmat Kartolo Rahmawati, Kusuma Rahmawati, Rahmawati Ramadani, Mery Ramadhani, Hamisyah Ria Mustika Riana, Dini Rika Agustina, Rika Rilyani, Rilyani Rispiningtati Rispiningtati Rosliana, Rosliana RR. Ella Evrita Hestiandari Rudi Setiawan Rudy Priyanto S. Djalal Tandjung Sa'adah, Salimatus Sabila, Atikah Dwi Saefullah Azhari Samsul Huda Sandayanti, Vira Saputra, Sischa Sri Ar Saragih, Alkausar Sari, Endah Murtiana Sari, Erlinda Nofa Sarwi - Satiawan, Putu Rudy Setyaningsih, Yuni Shahira, Firda Shodik, M Bahrush Shodik, M. Bahrush Sihombing, Joshua Capri Gunawan Silsilatu Nissa, Dania Sirait, Dheo Ronaldo Siregar, Ahmad Firdaus Sitepu, Darmainur Siti Harnina Bintari Siti Irene Astuti D Siti Salpiati, Siti Soenarso Simoen, Soenarso Soepriyadi, Agus Solichin, Moch. Subari Subari Subli Subli, Subli Sudarmadji Sudarmadji Sudarti Sudarti Sugeng Juwono Mardihusodo Sugianto Sugianto Sugiarto, Adam Sugita, Iqbal Suhaemi, Muhamad Suharto Linuwih Sukirjo, Sukirjo Sukiswo Supeni Edie, Sukiswo Supeni Sukket, Sasiwimol Sukowati, Eti Sukram, Sukram Sulhadi - Sulistyawati, Sri Sunarno Sunyoto Eko Nugroho, Sunyoto Eko Supriyadi Supriyadi Supriyanta Supriyanta Supriyati . Surya, Dede Susilo Susilo Sutantio, Aditya Sutarini, Sutarini SUWARNO HADISUSANTO Tarigan, Diah Handayani Tasdik Mustika Alam, Tasdik Mustika Taufik, Muhamad Rifki Tri Budi Prayogo, Tri Budi Tri Retnaningsih Soeprobowati Tri Wardati Khusniyah Trismiyana, Eka Upik Nurbaiti Utaminingsih, Utaminingsih Utantyo Utantyo, Utantyo Virrayyani, Allyna Wahyu Hardyanto Wardoyo, Dewi Tri Wijayati Wariyati Wati, Sari Suka Wido Hanggoro Winanto, Alfian Eka Wiwi Isnaeni Wiwiek Hendrowati Wiyanto - Wiyanto, Henny Woro Sumarni Wulan Safitri, Wulan Wulandari, Yanu Tri Yajis Paggasa, Yajis yance yance Yanti Amalia Afifah Yunanto Tri Laksono, Yunanto Tri Yuniarto, Muhammad Nur Zahra Arwananing Tyas Zulfatin, Salma Aida Zuliani, Beby Lidia Zulqifli, Sandhi