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ISLAMIC BANK ASSET GROWTH: PREDICTIVE ASSESSMENT TOWARD DOMINANT VARIABLES AFFECTING Dermawan, Dorry; Hunainah, Hunainah; Suseno, Bambang Dwi; Basrowi, Basrowi
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 7 No. 2 (2021): JULY-DECEMBER 2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v7i2.26732

Abstract

This study departs from asset growth in Islamic banks which has decreased in the last four years even though assets have increased every year. This research is structured to be the basis for making policies to increase the growth of assets of Islamic banks. The research design used is quantitative with the help of smart PLS ver.3.3. The number of samples is 94 people from a population of 123 employees of Islamic Banks Serang and Cilegon Branch Offices with supervisory positions and above. The sample selection in this study uses probability sampling, so that all branch offices of Islamic banks in Cilegon and Serang as well as all supervisory work units have the same opportunity to be selected as samples. The results indicate that the ones that have the biggest influence in increasing the growth of Islamic bank assets are the financing to deposit ratio and non-performing financing. This can be seen from the path coefficient value resulting from this study between financing to deposit ratio on asset growth has a coefficient value of 2.818 and non-performing financing on asset growth has a coefficient value of 3.767. Thus, both financing to deposit ratio and non-performing financing influence increasing the growth of assets of Islamic banks. The results of this study emphasize to bankers to maintain the quality of financing to remain smooth and avoid non-performing financing.  
Analisis Aspek Dan Upaya Perlindungan Konsumen Fintech Syariah Basrowi, Basrowi
Lex Librum : Jurnal Ilmu Hukum 2019: Volume 5 Nomor 2 Juni 2019
Publisher : Sekolah Tinggi Ilmu Hukum Sumpah Pemuda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46839/lljih.v5i2.134

Abstract

Penelitian ini hendak mendeskripsikan tentang: (1) bentuk-bentuk perlindungan konsumen dalam pemanfaatan Fintech, (2) berbagai upaya pencegahan penyalahgunaan finteh, dan (3) peran BI, OJK, dan Kemeninfokom dalam memberikan pembelajaran kepada masyarakat agar tidak terlilit utang kepada penyelenggara fintech. Metode yang digunakan untuk menjawab rumusan masalah yaitu dengan pendekatan normatif dengan mempelajari berbagai dasar hukum dan literatur yang relevan. Berdasarkan hasil analisis mendalam disimpulkan bahwa: pertama, bentuk perlindungan konsumen dalam pemanfaatan fintech adalah melalui dua cara yaitu prefentif dan kuratif. Kedua, berbagai upaya mencegahan yang dapat dilakukan agar para penyelenggaran Fintech tidak menyalahgunakan aplikasinya, adalah dengan cara memberikan kewajiban untuk melakukan pelaporan kepada OJK. Ketiga, peran BI, OJK, dan Kemeninfokom dalam memberikan pembelajran kepada masayakat agar tidak terlilit utang yaitu dengan cara memberikan penyuluhan melalui pemberian iklan layanan masyarakat melaui TV, koran, radio, dan situs resmi, memperkuat literasi dan wawasan masyarakat. Kata Kunci : Financial Technology, Perlindungan Konsumen. Abstract: This study is about to describe: (1) risk analysis and other forms of Fintech consumer protection, (2) various efforts to prevent misuse of fintech, and (3) settlement of fintech business disputes. The method used to answer the problem formulation is a normative approach by studying various legal bases and relevant literature. Based on the results of the in-depth analysis it was concluded that: first, the form of consumer protection in the use of fintech is in two ways, namely prevention and curative. Second, various preventive measures that can be taken so that the organizers of Fintech do not abuse their applications, are by giving them the obligation to report to the OJK. Third, the role of Bank of Indonesia (BI), financial servises Outority (OJK), and the Ministry of Communication and Information in providing learning to people not to become debt-ridden by providing counseling through the provision of public service advertisements through television, newspapers, radio and official sites, strengthening literacy and public insight. Daftar Bacaan Alwi, A. B. (2018). Pembiayaan Berbasis Teknologi Informasi (Fintech) yang Berdasarkan Syariah. Al-Qanun: Jurnal Pemikiran Dan Pembaharuan Hukum Islam, 21(2), 255–271. Retrieved from http://jurnalfsh.uinsby.ac.id/index.php/qanun/article/view/684 Arner, D. W. (2017). Fintech: Evolution and Regulation Overview Background. Retrieved from http://docplayer.net/64391738-Fintech-evolution-and-regulation.html Chiu, Y., & Iris, H. (2016). Fintech and Disruptive Business Models in. Journal of Technology Law & Policy, 21, 55–112. Departemen Perlindungan Konsumen OJK. (2017). Kajian Perlindungan Konsumen Sektor Jasa Keuangan: Perlindungan Konsumen Pada Fintech. EY global & Europe. (2017). gence of Fintech. EY Fintech Adoption Index 2017, 1–44. Retrieved from http://www.ey.com/GL/en/Industries/Financial-Services/ey-fintech-adoption-index Hariyani, I., & Serfiyani, C. Y. (2017). Perlindungan Hukum Dan Penyelesaian Sengketa Bisnis Jasa Pm-Tekfin. Jurnal Legislasi Indonesia, 14(3), 345–358. Muchlis, R. (2018). Analisis SWOT Financial Technology (Fintech) Pembiayaan Perbankan Syariah Di Indonesia (Studi Kasus 4 Bank Syariah Di Kota Medan). AT-TAWASSUTH: Jurnal Ekonomi Syariah, 1(1), 335–357. Prihatwono. (2018). ASPEK HUKUM DALAM MENJALANKAN PERUSAHAAN FINTECH LENDING DI INDONESIA. JURNAL HUKUM FINTECH, TEKNOLOGI, TELEKOMUNIKASI & PERBANKAN SYARIAH, VOLUME 1-(Juni), 1–9. Rahma, T. I. F. (2018). PERSEPSI MASYARAKAT KOTA MEDAN TERHADAP PENGGUNAAN FINANCIAL TECHNOLOGY (FINTECH). At-Tawassuth, Vol. III,(No. 1), 642 – 661. Samir, S., & Rahmizal, M. (2017). DEVELOPING ISLAMIC FINANCIAL TECHNOLOGY IN INDONESIA, 1(2), 130–140. https://doi.org/10.26487/hebr.v Sari, A. R. (2018). PERLINDUNGAN HUKUM BAGI PEMBERI PINJAMAN DALAM PENYELENGGARAAN FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER LENDING DI INDONESIA. YOGYAKARTA. Retrieved from http://e-journal.uajy.ac.id/14649/1/JURNAL.pdf Serfiyani C.Y & Hariyani I. (2017). Perlindungan Hukum dan Penyelesaian Sengketa Bisnis Sistem Pembayaran Berbasis Technology Financial. Buletin Hukum Kebangsentralan, 14(1). https://doi.org/10.1242/jcs.150862 Sijabat, T. W. S. (2018). PELAKSANAAN PEMBERIAN KREDIT BERBASIS TEKNOLOGI INFORMASI OLEH FINTECH KEPADA PELAKU UKM ( Studi Pengawasan OJK Surakarta). SURAKARTA. Retrieved from http://e-journal.uajy.ac.id/14649/1/JURNAL.pdf Yuking, A. S. (2018). Urgensi peraturan perlindungan data pribadi dalam era bisnis fintech. JURNAL HUKUM & PASAR MODAL, VIII(16), 1–27.
Meningkatkan Daya Saing dan Kesiapan Kerja Santri melalui Edutechnopreneurship Berbasis AI dengan Pendekatan Neurocoaching Utami, Pertiwi; Khulsum, Umi; Purnamasari, Sinta Ayu; Basrowi, Basrowi
AJAD : Jurnal Pengabdian kepada Masyarakat Vol. 5 No. 3 (2025): DECEMBER 2025
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ajad.v5i3.667

Abstract

This community engagement program sought to strengthen the competitiveness and work readiness of 30 Islamic boarding school students through AI-based edutechnopreneurship supported by a neurocoaching approach. The program addressed key challenges faced by pesantren, including limited vocational skills, low digital literacy, and lack of entrepreneurial mindset among students. Activities included training in halal bakery production, AI-assisted digital marketing, and Sharia-compliant business bookkeeping, implemented through a Participatory Action Research (PAR) framework. The integration of hands-on practice and neurocoaching reinforced students' growth mindset, motivation, and entrepreneurial skills. Pre-post assessments revealed that 86.7% of participants achieved competency across technical, digital, and managerial domains, surpassing the initial target of 80%. Outcomes included enhanced vocational abilities in bakery production, improved digital marketing capacity through social media and e-commerce platforms, better understanding of Sharia financial recording, and the establishment of a small-scale bakery unit. This unit serves as a foundation for advancing pesantren-based economic empowerment and provides a sustainable business model for future replication in similar Islamic educational institutions.
Evaluating the Fulfillment of Health Rights for Persons with Disabilities in Jakarta’s Community Health Centers Liany, Lusy; Purwaningsih, Endang; Basrowi, Basrowi; Queroda, Phillip G; Iskandar, Farhan Putra
Jurnal Pembangunan Hukum Indonesia Vol 7, No 3 (2025)
Publisher : PROGRAM STUDI MAGISTER HUKUM FAKULTAS HUKUM UNIVERSITAS DIPONEGORO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jphi.v7i3.445-468

Abstract

Access to equitable health services is a priority in guaranteeing human rights, especially for persons with disabilities, which is implemented in the primary health service systems of developing countries. Although there is a comprehensive legal framework, structural and institutional barriers are essential in the fulfillment of inclusive health services. This study provides an analysis of the obstacles and implementation of the fulfillment of health rights of persons with disabilities at the Jatinegara Kaum Health Center. Puskesmas are at the forefront of providing health services, in line with the goals of Law Number 8 of 2016. The Jatinegara Kaum Health Center is the object of research because there is the highest population of people with disabilities in DKI Jakarta. The research was conducted by combining a legal framework with empirical data in the form of interviews, field observations, and document analysis, to evaluate systemic health service delivery practices. This study found a gap in the fulfillment of health rights with positive legal regulations that apply. Obstacles include limited infrastructure, limited medicines, supporting equipment, and lack of competence of medical personnel and the involvement of families of people with disabilities. This research provides recommendations for improving inclusive health facilities, the competence of health workers through special training, maximum allocation of funds, and cross-sectoral collaboration, in order to fulfill the health rights of persons with disabilities in a comprehensive and comprehensive manner.
The Role of Work Fatigue and Employee Engagement As Mediators in The Relationship Between Work Stress And Workload on Employee Turnover Rates at Waste Paper Raw Material Supplier Companies in Serang Regency Fikri, Muhammad; Basrowi, Basrowi; Khaeruman, Khaeruman
Jurnal Indonesia Sosial Sains Vol. 6 No. 12 (2025): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v6i12.2136

Abstract

This study aims to determine the role of job fatigue (KK) and employee engagement (K) in mediating the relationship between job stress (SK) and workload (BK) on employee turnover (TK) in a waste paper raw material supplier company. By using the quantitative correlational method, the sample used was 205 respondents, and using the statistical analysis method with smartPLS 3 software. The results found in this study refer to the hypothesis of direct and indirect influence, which there are 12 hypotheses. With the results showing SK has a positive effect on TK with a p-value of 0.032 ≤ 0.05 . BK has a positive effect on TK with a p-value of 0.000 ≤ 0.05 . KK has a positive effect on TK with a p-value of 0.002 ≤ 0.05 , K has no effect on TK with a p-value of 0.099 ≥ 0.05. SK has a positive effect on KK with a p-value of 0.000 ≤ 0.05 , BK has a positive effect on TK with a p-value of 0.008 ≤ 0.05. SK and BK have no effect on K with a p-value of 0.212 & 0.630 ≥ 0.05 . Indirectly SK and BK have a positive effect on TK through KK p-value of 0.008 & 0.024 ≤ 0.05 . And K has no mediating role. In this study, it can be concluded that work stress, workload, and work fatigue have a positive effect on turnover, while engagement has no effect. And work fatigue plays a mediating role in the relationship between increased work stress and workload on employee turnover, and engagement does not find a mediating role.
The Role of Human Resource Management and Business Administration in Enhancing Tourism and Regional Development: An Empirical Study in Banten Province Basrowi, Basrowi; Fauzi, Fauzi; Efendi, Rustam
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 5 (2025): JIMKES Edisi September 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i5.4132

Abstract

This study examines the role of human resource management (HRM) and business administration in enhancing tourism development and promoting regional growth in Banten Province, Indonesia. The research is driven by the increasing contribution of tourism to local economic development and the strategic importance of HRM and administrative practices in improving service quality, organizational efficiency, and sustainable competitiveness. A quantitative approach was employed, involving a population of 5,000 business and tourism-related workers, with a proportional random sample of 150 respondents. Data were collected using structured questionnaires and analyzed through structural equation modeling (SEM) to investigate the relationships among HRM practices, business administration effectiveness, and tourism development outcomes. The results reveal that HRM practices significantly enhance administrative performance and service quality, which in turn positively influence tourism performance. The findings underscore that effective HRM strategies—including training, motivation, and performance evaluation—are crucial in strengthening business administration and advancing tourism competitiveness. This study contributes to the understanding of HRM and business administration in the tourism sector and provides practical insights for policymakers, business leaders, and tourism stakeholders aiming to foster sustainable regional development.