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All Journal Al-Hayat: Journal of Islamic Education Journal of Economics, Entrepreneurship, Management Business and Accounting
Akhmad Arif Rifan
Universitas Ahmad Dahlan, Indonesia
Economics, Econometrics & Finance Education

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Maintaining the Quality of Higher Education Graduates Based on Risk Management Djamaluddin Perawironegoro; Akhmad Arif Rifan; Mhd. Lailan Arqam
Al-Hayat: Journal of Islamic Education Vol 6 No 2 (2022): Al-Hayat: Journal of Islamic Education
Publisher : Al-Hayat Al-Istiqomah Foundation collab with Letiges

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35723/ajie.v6i2.228

Abstract

The graduates as the scholarly outputs are the key features managing the department of higher education. The department's graduation success is by fulfilling the expected graduation criteria, including education, research, and community service. This research aimed to study the efforts of the department to maintain the quality of the graduates by implementing a risk management approach. The research methods used were qualitative and quantitative, used collectively. The data was collected by interview, observation, documentation, and questionnaires; then, data analysis was carried out using inductive and descriptive quantitative data analysis techniques. The study was conducted in the magister Islamic studies program of Universitas Ahmad Dahlan Yogyakarta. Data were obtained from the department managers, which included 57 active students out of 87 students while the research was conducted in progress. The research results show that qualified graduates who meet graduation criteria are the risk the department faces. The efforts to maintain student graduation were achieved by a risk management approach and the steps of risk identification, risk assessment, risk placement, risk reviewing, and reporting. Risk management contributed to minimizing the risk of ungraduated students. Moreover, a risk management approach becomes necessary to prevent failure to achieve the planned quality objectives.
Microfinance for Women: Risk Mitigation and Its Impact on Household Welfare Riduwan Riduwan; Amrullah Amrullah; Akhmad Arif Rifan
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 5 (2026): Volume 4, Issue 5, September 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i5.1572

Abstract

Purpose – This study examines financing risk, risk mitigation practices, and their contribution to household welfare in the Government Investment Center (PIP) ultra-micro financing program for women entrepreneurs. Design/methodology/approach – This study employs a qualitative approach supported by descriptive quantitative data. Secondary data consist of outstanding financing (OS), non-performing financing (NPF), and borrower composition obtained from PIP financial reports over a seven-year period. Primary data were collected through in-depth interviews with PIP management, intermediary institutions, and women borrowers, complemented by focus group discussions. Finding/Results – The findings show that women accounted for approximately 95% of financing recipients, while the average NPF remained at only 0.13%, indicating consistently low financing risk. The study further reveals that risk mitigation extends beyond financing procedures through continuous business mentoring, entrepreneurship training, marketing assistance, and the active involvement of intermediary institutions. These complementary interventions strengthen borrowers’ business capacity and contribute to improvements in household welfare. Originality/Value – This study demonstrates that integrating financial services with non-financial support can effectively mitigate financing risk while enhancing women’s economic empowerment and household welfare. The findings provide practical implications for policymakers and microfinance institutions by highlighting the importance of combining financing with capacity-building interventions to promote sustainable financing and strengthen women's financial inclusion.
Co-Authors Amrullah Amrullah Djamaluddin Perawironegoro Mhd. Lailan Arqam Riduwan Riduwan