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NEXUS OF RISK AND STABILITY IN ISLAMIC BANKS DURING THE PANDEMIC: EVIDENCE FROM INDONESIA Sunarsih Sunarsih; Rizqi Umar Al Hashfi; U’um Munawaroh; Endang Suhari
Journal of Islamic Monetary Economics and Finance Vol 8 No 4 (2022)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v8i4.1444

Abstract

This paper analyzes the effect of liquidity risk and credit risk on Islamic bank stability and whether the risk-stability nexus changes during the Covid-19 pandemic. Using a panel quarterly dataset of 14 Islamic banks from 2017 to 2020, a total of 224 quarterly-bank observations in total and the system generalized method of moment, we find that credit risk and liquidity risk are negatively associated with bank stability. Moreover, the COVID-19 does not alter the negative relationship between liquidity risk and stability. To validate the results, we also estimate the model using the LSDVC. The LSDVC results remain consistent. These results provide new insight into understanding risk management implementation for minimizing these risks.
Pembekalan Kiat-Kiat Keberhasilan Bisnis Dan Peningkatan Jiwa Wirausaha Umkm Kuliner Di Kecamatan Jebres Harmadi Harmadi; Endang Suhari; Setyaningtyas Honggowati; Heru Agustanto; Bambang Hadi Nugroho; Yohana Tamara
Dikmas: Jurnal Pendidikan Masyarakat dan Pengabdian Vol 2, No 4 (2022): December
Publisher : Magister Pendidikan Nonformal Pascasarjana Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37905/dikmas.2.4.1183-1188.2022

Abstract

Kegiatan pengabdian bertujuan untuk melakukan pembekalan kiat-kiat keberhasilan bisnis dan peningkatan jiwa wirausaha UMKM kuliner di Kecamatan Jebres. Materi yang diberikan antara lain materi motivasi, dan kreativitas dalam bisnis, kiat-kiat keberhasilan bisnis dan penggunaan IT atau media sosial dari para pelaku bisnis yang berhasil, Serta bantuan untuk masuk ke media sosial dalam mempromosikan produknya seperti facebook dan instragram. Metode Kegiatan adalah ceramah dan tanya-jawab. Peserta adalah pelaku UMKM Kuliner di Kecamatan Jebres, Kota Surakarta. Manfaat kegiatan adalah untuk menumbuhkan semangat untuk memajukan usahanya, dan juga dengan pembekalan yang diberikan akan membantu mengatasi permasalahannya.
Peningkatan Kualitas Manajerial Dan Hasil Produksi Umkm Kerupuk Rambak Desa Gadingan Endang Suhari; Yohana Tamara; Heru Agustanto; Bambang Hadi Nugroho; Sri Hartoko; Harmadi Harmadi
Dikmas: Jurnal Pendidikan Masyarakat dan Pengabdian Vol 3, No 1 (2023): March
Publisher : Magister Pendidikan Nonformal Pascasarjana Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37905/dikmas.3.1.33-40.2023

Abstract

The service program aims to improve the managerial quality and output quality of the Micro, Small, Medium Enterprises (MSMEs) of Rambak Crackers in Gadingan Village, Ngemplak, Sukoharjo. This community service program aims to improve the managerial quality of MSMEs for traditional snacks, crackers, rambak as a whole based on management concepts and knowledge, considering that in current conditions, there are still many MSMEs that manage their business traditionally and in the production process do not pay attention to hygiene and health aspects. . A team consisting of lecturers with a management background will go directly to provide training related to the field of Management as a whole, including Marketing Management (specifically an introduction to digital marketing), Financial Management (in a simple level), HR Management, and for Operations Management will be assisted by practitioners from the Health Service. Community service programs can be useful for improving the managerial quality of businesses and increasing competitiveness and business sustainability in the long term.Program pengabdian bertujuan untuk meningkatkan Kualitas Manajerial dan Kualitas Output Hasil Produksi Usaha Mikro, Kecil, Menengah (UMKM) Kerupuk Rambak Di Desa Gadingan, Ngemplak, Sukoharjo. Program pengabdian masyarakat ini bertujuan untuk meningkatkan kualitas manajerial pada UMKM makanan ringan tradisional kerupuk rambak secara menyeluruh berdasarkan konsep dan ilmu Manajemen, mengingat dalam kondisi saat ini, masih banyak UMKM yang melakukan pengelolaan bisnisnya secara tradisional dan di dalam proses produksinya belum memperhatikan aspek kebersihan dan kesehatan. Tim yang terdiri dari dosen dengan latar belakang ilmu manajemen akan terjun secara langsung untuk memberkan pelatihan terkait dengan bidang Manajemen secara menyeluruh, meliputi Manajemen Pemasaran (secara khusus pengenalan pada pemasaran digital), Manajemen Keuangan (dalam level sederhana), ManajemenSDM, dan untuk Manajemen Operasi akan dibantu oleh praktisi yang berasal dari Dinas Kesehatan. Program pengabdian masyarakat dapat bermanfaat untuk meningkatkan kualitas manajerial usaha dan meningkatkan daya saing dan keberlangsungan bisnis dalam jangka panjang.
Penguatan Dan Pengembangan Keberlanjutan Usaha Umkm Dari Aspek Usaha Dan Kelembagaan Desa Karangturi – Karanganyar Setyaningtyas Honggowati; Bambang Hadinugroho; Endang Suhari; Heru Agustanto; Yohana Tamara; Harmadi Harmadi
Dikmas: Jurnal Pendidikan Masyarakat dan Pengabdian Vol 3, No 3 (2023): September
Publisher : Magister Pendidikan Nonformal Pascasarjana Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37905/dikmas.3.3.627-634.2023

Abstract

Indonesian MSMEs are the largest in number compared to those in other developing countries. However, the progress of Information Technology in MSMEs is perceived to be below expectations. Based on the conducted testing in the village of Karangturi, Karanganyar, the lack of responsiveness of MSMEs to technological advancements is attributed to their low entrepreneurial spirit and motivation. Therefore, there is a need to strengthen and enhance the sustainability of MSMEs, addressing both business and institutional aspects. The Faculty of Economics and Business, UNS, will provide support and development in entrepreneurship, with motivational materials, business model canvas, and creativity in business. Equipping MSMEs with knowledge from successful business actors in IT and social media is expected to instill enthusiasm for advancing their businesses and overcoming challenges.
The Alternative Rasio as Early Warning System Ratio to Examined Sharia Life Insurance Companies in Indonesia Sunarsih; Dinik Fitri Rahajeng; Endang Suhari; Ishak
Journal of Finance and Islamic Banking Vol. 5 No. 1 (2022)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v5i1.4479

Abstract

The purpose of this study is to analyze how the ratio of the claims expense ratio, liquidity ratio, premium growth, and management cost ratio which is the ratio of the Early Warning System to the financial performance of sharia life insurance companies. Using panel data regression, the results of this study are the ratio of claim load and management cost ratio affects the performance of Sharia life insurance companies. Meanwhile, the liquidity ratio, premium growth ratio, and two variable controls in this study, namely inflation and the gross domestic product, did not affect the performance of sharia insurance companies. The implication of this study is expected to provide additional insight for managers in making policies related to the performance of Islamic life insurance. And it can be used by investors in considering their investment policies. In the literature, this study can add to the literature on the performance of Islamic life insurance.
Strategi Meningkatkan Efisiensi di Industri Perbankan: Tinjauan Penelitian Sistematis dan Analisis Bibliometrik Ratih Kusuma Wardhani; Endang Suhari
Jurnal Manajemen Pendidikan dan Ilmu Sosial Vol. 7 No. 2 (2026): Jurnal Manajemen Pendidikan dan Ilmu Sosial (Februari - Maret 2026)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jmpis.v7i2.7544

Abstract

Efisiensi dalam industri perbankan tidak lagi dipahami semata sebagai indikator berbasis akuntansi, melainkan sebagai faktor strategis yang menentukan daya tahan bank dalam menghadapi percepatan transformasi digital dan meningkatnya ketidakpastian ekonomi global. Penelitian ini bertujuan merumuskan arah strategis peningkatan efisiensi perbankan melalui pendekatan tinjauan penelitian sistematis yang dipadukan dengan analisis bibliometrik. Sebanyak 90 artikel jurnal terindeks Scopus yang diterbitkan pada periode 2007–2026 dianalisis menggunakan prosedur seleksi terstruktur. Pemetaan bibliometrik dimanfaatkan untuk mengungkap struktur intelektual, perkembangan tema, dan pola konsentrasi riset dalam kajian efisiensi perbankan, serta diperkaya dengan konteks makroekonomi dan laporan industri internasional. Hasil analisis menunjukkan lonjakan signifikan publikasi penelitian efisiensi perbankan sejak 2015, dengan penekanan utama pada keterkaitan efisiensi dan stabilitas keuangan, strategi diversifikasi pendapatan, serta efektivitas realokasi kredit. Temuan penelitian juga mengindikasikan pergeseran dari strategi efisiensi berbasis pengendalian biaya menuju pendekatan yang berorientasi pada penciptaan nilai melalui inovasi digital dan penguatan tata kelola. Studi ini memperkuat relevansi perspektif berbasis sumber daya dalam menjelaskan dinamika efisiensi perbankan kontemporer serta menawarkan implikasi strategis bagi perumusan kebijakan dan praktik manajerial yang berkelanjutan.
The Influence of Corporate Governance on Sustainability Reporting of Insurance Companies Registered on the IDX Roswita Savitri; Endang Suhari
Journal of Social Research Vol. 3 No. 1 (2023): Journal of Social Research
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/josr.v3i1.1657

Abstract

In the contemporary business landscape, prioritizing sustainability is not merely an ethical choice but a strategic imperative for companies seeking long-term viability. Recognizing the multifaceted nature of sustainability, companies engage in sustainability reporting to address the concerns of various stakeholders and to secure their sustained success. This study, conducted over the period 2015-2021, focused on 15 insurance companies, employing a quantitative methodology with purposive sampling. Sustainability reporting, represented by dummy variables, served as the dependent variable, while corporate governance factors such as independent commissioners, gender diversity among commissioners, audit quality, and institutional ownership constituted the independent variables. The empirical analysis, executed using SPSS version 25, yielded nuanced findings. Firstly, the presence of independent commissioners within insurance companies did not exhibit a statistically significant impact on sustainability reporting. Conversely, the inclusion of female independent commissioners displayed a positive correlation with enhanced sustainability reporting. Additionally, the study found that being audited by KAP BIG 4 had no discernible influence on sustainability reporting. However, institutional ownership emerged as a factor significantly affecting sustainability reporting within insurance companies. These research insights contribute to the evolving discourse on corporate sustainability and offer valuable guidance for companies navigating the complex intersection of financial performance and environmental, social, and governance considerations.