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All Journal IQTISHADIA Jurnal Ekonomi & Studi Pembangunan Semesta Teknika EL-BANAT: Jurnal Pemikiran dan Pendidikan Islam Jurnal Dimensi Pendidikan dan Pembelajaran Shirkah: Journal of Economics and Business ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi Ihtifaz: Journal of Islamic Economics, Finance, and Banking SANGKEP: Jurnal Kajian Sosial Keagamaan Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat PEDULI: Jurnal Imiah Pengabdian Pada Masyarakat Justisia Ekonomika Jurnal Maps (Manajemen Perbankan Syariah) Journal of Appropriate Technology for Community Services Jurnal Hukum Ekonomi Syariah Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Dikmas: Jurnal Pendidikan Masyarakat dan Pengabdian INTERNATIONAL JOURNAL OF EDUCATION, INFORMATION TECHNOLOGY, AND OTHERS Automotive Experiences Jurnal Pengabdian Multidisiplin Jurnal Agroteknologi Pertanian dan Publikasi Riset Ilmiah (JAPPRI) Seminar Nasional Produk Terapan Unggulan Vokasi Journal of Artificial Intelligence and Digital Business WORLDVIEW ( Jurnal Ekonomi Bisnis dan Sosial Sains ) INCOME : Jurnal Akuntansi dan Keuangan
Riduwan Riduwan, Riduwan
Universitas Muhammadiyah Surabaya
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Mechanical Engineering Public Health Social Sciences Transportation Other

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Corporate Governance Strategies for Navigating the VUCA Era: A Case Study of BPRS Barokah Dana Sejahtera Yogyakarta Edi Sunarto; Riduwan, Riduwan; Aftoni Sutanto
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v8i1.12918

Abstract

Introduction: Governance is a crucial aspect of financial institutions, including Islamic rural banks (BPR Syariah), to ensure sustainability and competitiveness. PT. BPR Syariah Barokah Dana Sejahtera faces challenges in governance implementation, particularly in the VUCA (Volatility, Uncertainty, Complexity, and Ambiguity) era. Several obstacles, such as inconsistency, insufficiently comprehensive governance guidelines, and lack of intensive socialization, hinder the effectiveness of governance practices. Purpose: This study aims to examine the implementation of governance at PT. BPR Syariah Barokah Dana Sejahtera and formulate strategies to optimize governance practices in response to the challenges of the VUCA era. Methodology: This research employs a qualitative approach with a case study method. Data were collected through observations, document analysis, and interviews. The analysis process follows a structured approach, including data collection, data reduction, data presentation, and conclusion verification. Findings: The study identifies key challenges in governance implementation, including inconsistency, incomplete governance guidelines, and inadequate socialization efforts. Strategies to strengthen governance in the VUCA era are explored, covering aspects such as self-assessment results, governance strengthening, technology and digitalization strategies, risk management, competitiveness enhancement through product innovation, collaboration and synergy strategies, as well as strategies for adapting to regulations and the business environment. Paper Type: Research Article. Keywords: BPR Syariah; Digitalization; Governance; Risk Management; Vuca.
Efektivitas Eksekusi Jaminan Hak Tanggungan pada Pembiayaan Bermasalah di Bank Tabungan Negara Kantor Cabang Syariah Solo Meylawati, Dani Dwi; Wijaya, Andy Putra; Riduwan, Riduwan; Adha, Mufti Alam
JURNAL HUKUM EKONOMI SYARIAH Vol. 7 No. 2 (2024): Oktober
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jhes.v7i2.22583

Abstract

Financial institutions, including the branch office of BTN Syariah in Solo City, often face non-performing financing. One strategy the branch office of BTN Syariah in Solo City uses to resolve non-performing financing is to execute the mortgage guarantee, which is carried out as the last alternative. This research aims to determine the effectiveness of strategies to overcome obstacles in implementing the execution of the mortgage guarantee for non-performing financing at the branch office of BTN Syariah in Solo City. This field research uses a descriptive qualitative approach. The object of this research is the branch office of BTN Syariah in Solo City. The primary and secondary data sources are collected through observation, interviews, documentation, and triangulation. The results state that the execution of the mortgage guarantee on non-performing financing at the branch office of BTN Syariah in Solo City has yet to be said to be effective. The strategy to overcome obstacles in implementing the execution of mortgage guarantees carried out by the branch office of BTN Syariah in Solo City is visiting a notary and attempting to rescue the non-performing financing, continuing to sell the collateral until it is sold with no period, and trying to cooperate and ensuring that the steps in the execution process are under legal provisions. Meanwhile, the strategy to overcome obstacles carried out by the State Property and Auction Services Office (KPKNL) is proposing additional auction officials to maximize services. In addition, KPKNL is collaborating with various parties to organize outreach regarding the procedures for bidding for auctions and updating regulations related to auctions.
Productive Waqf Management Model Innovation for Community Economic Empowerment in the Digital Era Aristyanto, Erwan; Riduwan, Riduwan
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 18 No. 1 (2025): AL-AWQAF : Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47411/al-awqaf.v18i1.335

Abstract

Waqf is an economic instrument that has great potential in empowering society, especially in countries with large Muslim populations. In this digital era, innovation in productive waqf management can be a solution to increase effectiveness and efficiency in managing waqf funds. This research aims to explore innovative productive waqf management models and their impact on community economic empowerment. Through a comprehensive literature review and analysis of various journal articles, books and other relevant sources, this research examines digital waqf innovation practices in developing countries. These findings highlight the potential of digital waqf innovations, such as crowdfunding, blockchain technology, and mobile applications, to increase the efficiency, accountability and reach of waqf management. This technology can expand the collection of waqf funds, increase transparency, and However, challenges such as the need to increase digital literacy, public trust in digital waqf management, and align waqf regulations with advances in digital technology must be addressed. This study provides insights and recommendations for stakeholders in developing countries, especially Indonesia, to utilize digital waqf innovation to support sustainable development programs more optimally. facilitate public access to participate in waqf.
Sosialisasi Pencegahan Cidera Ergonomi untuk Meningkatkan Kesehatan dan Produktivitas Pemuda Busan Korea Selatan Adiyanto, Okka; Maruf, Farid; Riduwan, Riduwan
Journal of Appropriate Technology for Community Services Vol. 6 No. 2 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jattec.vol6.iss2.art7

Abstract

South Korea's Busan region is the second largest port area in South Korea, has a dynamic economic ecosystem with many industrial sectors that attract local and foreign youth. However, adapting to the work environment in Busan is a challenge, especially for young people who are new to this environment. The competitive and highly disciplined work culture in South Korea is often difficult for young people in the Busan area to adapt to. Ergonomic injuries are a common problem in the productive age group. Activities in the industrial, education, and technology sectors increase the risk of injury due to inappropriate work postures. Frequently repetitive work by productive workers can cause musculoskeletal disorders such as back, neck, and wrist pain, which have an impact on work productivity. Unfortunately, youth awareness of the importance of ergonomics is still low. Therefore, socialization regarding ergonomic injuries is needed to increase youth awareness and understanding of the risks and how to prevent them. This activity includes education on correct work postures, adjustments to the workplace, and stretching practices after work to reduce muscle tension. The results of the implementation showed an increase in participants' understanding and their interest in applying ergonomic principles in everyday life. This activity succeeded in increasing understanding from 30% to 100% of participants meeting the criteria for basic understanding of ergonomics.
LAZNAS STRATEGY OF THE BALI DAKWAH COUNCIL IN INCREASING THE PHILANTHROPY INTEREST OF THE DENPASAR CITY COMMUNITY Roisatul Amanah, Riza; Riduwan, Riduwan
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 9 No 1 (2025): Juni
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v9i1.24414

Abstract

This research aims to find out the strategy of the LAZNAS Bali Da'wah Council in managing Zakat, Infaq, and Alms, to find out the increase in public philanthropic interest in giving Zakat, Infaq, and Alms, and to find out how the sharia economic analysis of the Bali Da'wah Council, LAZNAS, in managing Zakat, Infaq, and Alms. The research method uses a qualitative descriptive approach with direct interviews in the field. The instrument analysis approach uses strategic management approach instruments, philanthropy theory, and Sharia management. This research shows that the LAZNAS Da'wah Council's strategy in managing zakat, infaq, and alms consists of planning, promotion, collection, distribution, and evaluation strategies. The LAZNAS Da'wah Council in managing zakat, infaq, and alms is implemented based on Sharia management. It contains strategies for sharia economic principles as taught by the Prophet Muhammad, which include justice, trustworthiness, accountability, communicativeness, the qualities of honesty (sidq), and having intelligence (fathanah ).
Analisis Pengaruh Regulasi Syariah, Akses Pembiayaan Syariah, dan Inovasi Digital terhadap Kinerja Keuangan UMKM Halal Nurdiyanti, Eva; Riduwan, Riduwan
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.996

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh regulasi syariah, akses pembiayaan syariah, dan inovasi digital terhadap kinerja keuangan UMKM halal di Kabupaten Ponorogo. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei yang melibatkan 150 pelaku UMKM halal. Analisis data dilakukan dengan menggunakan Structural Equation Modeling berbasis Partial Least Squares (SEM-PLS). Hasil penelitian menunjukkan bahwa regulasi syariah (koefisien = 0,298; p < 0,01), pembiayaan syariah (koefisien = 0,215; p < 0,05), dan inovasi digital (koefisien = 0,347; p < 0,01) berpengaruh signifikan terhadap kinerja keuangan UMKM. Selain itu, inovasi digital memediasi hubungan antara regulasi syariah dan pembiayaan syariah terhadap kinerja keuangan (koefisien mediasi masing-masing = 0,142 dan 0,163). Model tersebut memiliki nilai R² sebesar 0,612 yang menunjukkan model tersebut menjelaskan 61,2% variasi kinerja keuangan. Temuan-temuan ini menekankan pentingnya regulasi, pembiayaan, dan inovasi digital dalam memperkuat ekosistem UMKM halal. Keterbatasan penelitian ini antara lain penggunaan data cross-sectional dan ketergantungan pada persepsi subjektif responden. Penelitian selanjutnya disarankan untuk menggunakan data longitudinal dan menyertakan variabel kontekstual untuk memperluas generalisasi temuan. Inovasi digital terbukti meningkatkan efektivitas regulasi dan pembiayaan dalam meningkatkan kinerja UMKM. Temuan-temuan ini menawarkan implikasi yang signifikan bagi pengembangan kebijakan ekonomi berbasis wilayah yang berakar pada prinsip-prinsip Syariah dan digitalisasi. Penelitian selanjutnya didorong untuk menyertakan variabel eksternal untuk memperdalam pemahaman tentang pemberdayaan UMKM halal yang berkelanjutan.
Resistensi Dakwah Salafi terhadap Amal Usaha Muhammadiyah di Sidoarjo AR, Zaini Tamin; Riduwan, Riduwan
SANGKéP: Jurnal Kajian Sosial Keagamaan Vol. 3 No. 1 (2020): Islam Raja Ampat, Kultivasi Budaya dan Dakwah Virtual di Indonesia
Publisher : UIN Mataram dan Asosiasi Sosiologi Agama Indonesia (ASAGI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/sangkep.v3i1.1881

Abstract

The infiltration of the Salafis into the Muhammadiyah organization became a continuing reality. This reality is driven by symptoms of the strengthening of the concept of salafism in the organization that founded by KH. Ahmad Dahlan. This study seeks to analyze the Salafi da’wah against the Charitable Business of Muhammadiyah in Taman, Sidoarjo, which is always resistant. This research uses a qualitative method with a naturalistic interpretive approach. The findings of this study reveal that Salafis offer "thinking" in every Muhammadiyah Business Charity institution in Sidoarjo. Salafis try to "dress" Muhammadiyah, but still have their mindset and ideology. With the thought movement, the Salafi propaganda model is carried out through infiltration, agitation, and propaganda within the Muhammadiyah Charitable Enterprises. This is not uncommon to cause resistance and even conflict between the two. The author recommends several efforts that must be made by the Muhammadiyah management: First, the power approach. The Muhammadiyah leadership must act firmly against Salafis through established rules. Second, the intellectual approach. This approach can be done by way of scientific dialogue in the public sphere, criticizing Salafis, as well as affirming the Muhammadiyah manhaj.
ANALYSIS OF THE IMPACT OF PROFITABILITY, LEVERAGE AND FINANCIAL DISTRESS ON TAX AVOIDANCE IN FOOD & BEVERAGE COMPANIES ON THE IDX (2019-2023) Riduwan, Riduwan
Income Vol 6 No 2 (2025): INCOME : Jurnal Akuntansi dan Keuangan
Publisher : Fakultas Ekonomi dan Bisnis Universitas Wijaya Putra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38156/akuntansi.v6i2.625

Abstract

This research aims to analyze the influence of Profitability, Leverage, and Financial Distress on Tax Avoidance in food and beverage sub-sector companies listed on the Indonesia Stock Exchange from 2019 to 2023. This type of research uses statistics with a quantitative approach. The data collection technique employs the documentation method, which involves collecting data from financial reports published on the official IDX website. The sample size in this study is 110 reports from 22 food and beverage sub-sector companies listed on the IDX in 2022-2023. Purposive sampling is used as the sampling determination technique with certain criteria, and multiple regression analysis is used. Data analysis is conducted with the aid of SPSS software version 27. The research results show that partially only the Leverage variable has no effect, while the Profitability and Financial Distress variables have an impact on Tax Avoidance. Simultaneously, Profitability, Leverage, and Financial Distress affect Tax Avoidance in food and beverage sub-sector companies listed on the Indonesia Stock Exchange from 2019-2023. These findings provide input for investors and corporate management in strategic decision-making.
Literasi Keuangan dan Keamanan dalam Keputusan Penggunaan QRIS pada UMKM di Yogyakarta Kumalasari, Ratna Dewi; Riduwan, Riduwan; Sutanto, Aftoni
ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 8 No. 2 (2024): Oktober
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/iso.v8i2.2899

Abstract

Penelitian ini bertujuan untuk mengeksplorasi dan menganalisis pengaruh literasi keuangan dan keamanan terhadap keputusan penggunaan ǪRIS pada UMKM di Yogyakarta. Penelitian ini menggunakan pendekatan kuantitatif asosiatif. Data primer diperoleh melalui penyebaran kuesioner secara daring kepada 106 responden yang dipilih dari pelaku UMKM di Yogyakarta dengan menggunakan metode purposive sampling. Analisis data menggunakan teknik regresi linear berganda. Hasil penelitian ini menunjukkan bahwa literasi keuangan dan keamanan secara signifikan mempengaruhi keputusan penggunaan ǪRIS oleh pelaku UMKM di Yogyakarta. Hasil uji t dan uji F mengonfirmasi bahwa literasi keuangan yang baik dan keamanan yang tinggi masing-masing memiliki dampak positif terhadap keputusan adopsi ǪRIS, dan keduanya secara bersamaan menunjukkan pengaruh yang signifikan. Hal ini menegaskan bahwa untuk meningkatkan adopsi ǪRIS, penting bagi pelaku UMKM untuk memiliki pemahaman keuangan yang memadai serta merasa yakin mengenai keamanan sistem yang digunakan.
Memahami Etika Bisnis Islam dalam Manajemen Keuangan Serta Konsep Konsep Manajemen Keuangan dalam Islam Labaika, Sindi; Adhilla, Fitroh; Riduwan, Riduwan
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol. 5 No. 2 (2023)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v5i2.3840

Abstract

Ethics is the science that discusses the good and bad actions of human beings as far as the human mind can understand. Ethics in finance talks about financial behavior or activities that are ethically right or wrong. Islamic financial mechanisms run by financial institutions cannot be separated from sharia concepts that regulate product mechanisms and operations. The purpose of this study is to provide an explanation of what are the concepts of finance in Islam. In this research, the type of research we use is qualitative research with a descriptive approach through library research, which is a way of systematically analyzing existing literature such as articles, books, journals and documents related to the research theme and the author uses primary data sources in the form of al-Qur'an and hadith. Islamic financial management in this case the author concludes that in the Islamic treasures, the Qur'an and hadith should be used as the main source in all life activities. Likewise in financial management which is a very sensitive matter in an organization. Similarly, financial management is a very sensitive matter in an organization, especially in educational institutions. Thus, financial management must be organized as much as possible. Maximum financial management does not only depend on how to manage the finances.
Co-Authors Aftoni Sutanto Amir Mahmud Amrullah Amrullah Arief Kurniawan Aristyanto, Erwan Azizah, Markhamah Watianur Bisrul Hapis Tambunan, Bisrul Hapis Cecep Kusmana Chandra Kartika, Chandra Danupranata, Gita DINA AMPERA Eddy Pahar Harahap Edi Sunarto Eka Daryanto, Eka Fitroh Adhilla Hendro Setyono Idroas, Mohamad Yusof Isnaniati Isnaniati, Isnaniati Jannah, Siti Salma Miftahul Labaika, Sindi Lu'liyatul Mutmainah Maruf, Farid Maslihatin, Aini Matondang, Zulkifl Meylawati, Dani Dwi Mufarrohah, Fatihatul Nurdiyanti, Eva Nurlina, Nunung Okka Adiyanto Pakarti, Muhammad Sang Aji Priyono Puji Prasetyo, Priyono Puji Ratna Dewi Kumalasari, Ratna Dewi Rifan, Akhmad Arif Roisatul Amanah, Riza Rudiatno, Rudiatno Saputra, Ade Bayu Simanjuntak, Janter Pangaduan Siti Mujibatun Suhariningsih, Lilik Tri Joko Raharjo Tri Suminar Urrofik, Safira Arbella Aurell Wahyudi, Rofiul Wijaya, Andy Putra Yudi Siswanto Yuliana, Monikka Zaini Tamin AR, Zaini Tamin Zainon, Mohamad Zamri Zulkifli, Nurin Wahidah Binti Mohd