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SUMBER PENDANAAN ULTRA MIKRO GUNA PENGEMBANGAN USAHA Dini Hariyanti; Muhammad Zilal Hamzah; Nazmel Nazir; Darwin Hasiholan; Soeharjoto Soeharjoto
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 4 No. 2 (2023): Volume 4 Nomor 2 Tahun 2023
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v4i2.16377

Program pemberdayaan masyarakat sudah sering dilakukan oleh pemerintah agar tujuan pembangunan dapat terealisasikan dengan baik. Berbagai program telah dilakukan untuk membangun perekonomian sebagai bentuk wujud dan tujuan pembangunan masyarakat. Salah satu bentuk preprogram untuk mendorong usaha kecil mikro adalah capacity usaha ultra mikro. Ultra Mikro (UMi) merupakan salah satu solusi non-Financial yang diberikan kepada pesertanya berupa peningkatan capacity building kewirausahaan para pelaku agar dapat meningkatkan usahanya. Berdasarkan hasil evaluasi pelaksanaan pengabdian kepada masyarakat mengenai peningkatan capacity building dengan tema sumber pendanaan Ultra Mikro guna pengembangan Usaha bahwa aspek keberlanjutan, aspek kognitif, aspek transparansi, aspek afektif sangat diperlukan untuk menunjang keberhasilan pengembangan usaha bagi pendaan Ultra Mikro.

DAMPAK DESENTRALISASI FISKAL TERHADAP INDEKS PEMBANGUNAN MANUSIA DI INDONESIA (Studi pada Kabupaten/Kota Kurun Waktu 2015-2021) Eleonora Sofilda; Muhammad Zilal Hamzah; Dida Nurhaida
Media Ekonomi Vol. 31 No. 1 (2023): April
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v31i1.16516

This study intends to investigate the impact of fiscal decentralization on Indonesia's Human Development Index through per-capita income. The study's focus is on Indonesia's 415 Regencies and Cities from 2015 to 2021. Certain government spending indicators are employed in panel data regression as independent variables using Eviews 9.00. Secondary data were collected from the Central Bureau of Statistics (BPS) and the Ministry of Finance (MoF). The results of model 1 show that of the eight variables used to see their effect on per capita income, there are six variables that have a favorable impact, namely health budget allocations, public service functions, social protection functions, village funds, regional independence and investment, while education fund allocations and the economic function is unable to increase per capita income in Indonesia. The outcomes of model 2 demonstrate that components of model 1's influence on per capita income have a favorable impact on Indonesia's Human Development Index.

PENGARUH CORPORATE SOCIAL RESPONSIBILITY , UKURAN PERUSAHAAN, STRUKTUR MODAL, DAN PROFITABILITAS TERHADAP EARNINGS RESPONSE COEFFICIENTS Studi Empiris pada Bank Konvensional yang Terdaftar di Bursa Efek Indonesia Periode 2010-2019. Ita Kusumawati; Muhammad Zilal Hamzah; Agustina Suparyati; Swanto Sirait
Jurnal Penelitian Akuntansi (JPA) Vol 2, No 1 (2021): April
Publisher : Universitas Pelita Harapan

Show Abstract | Download Original | Original Source | Check in Google Scholar

This research aimed to examine the effect of Corporate Social Responsibility (CSR), Firm Size, Capital Structure, and Profitability to Earnings Response Coefficient (ERC). This matter caused by Corporate Social Responsibility (CSR) become responsibility to company in improving care for environment and social. It certainly can change the financial structure in some company and it may change the way of thinking the investor will react to this matter. In this study the number of samples used in this study were 15 companies in the period 2010 to 2019. The method used is the panel data regression method by E-views 10 program. The analysis result show that together Corporate Social Responsibility (CSR), Firms Size, Capital Structure, and Profitability simultaneously affect the Earnings Response Coefficient (ERC). Partial test show that Corporate Social Responsibility (CSR), Size, Capital Structure, and Profitability affect the Earnings Response Coefficient (ERC).

DAMPAK DESENTRALISASI FISKAL TERHADAP INDEKS PEMBANGUNAN MANUSIA DI INDONESIA (Studi pada Kabupaten/Kota Kurun Waktu 2015-2021) Eleonora Sofilda; Muhammad Zilal Hamzah; Dida Nurhaida
Media Ekonomi Vol. 31 No. 1 (2023): April
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v31i1.16516

This study intends to investigate the impact of fiscal decentralization on Indonesia's Human Development Index through per-capita income. The study's focus is on Indonesia's 415 Regencies and Cities from 2015 to 2021. Certain government spending indicators are employed in panel data regression as independent variables using Eviews 9.00. Secondary data were collected from the Central Bureau of Statistics (BPS) and the Ministry of Finance (MoF). The results of model 1 show that of the eight variables used to see their effect on per capita income, there are six variables that have a favorable impact, namely health budget allocations, public service functions, social protection functions, village funds, regional independence and investment, while education fund allocations and the economic function is unable to increase per capita income in Indonesia. The outcomes of model 2 demonstrate that components of model 1's influence on per capita income have a favorable impact on Indonesia's Human Development Index.

STRATEGI MANAJEMEN RISIKO DALAM EKOSISTEM FINTECH: PENDEKATAN SYSTEMATIC LITERATURE REVIEW (SLR) Eka Suryana; Muhammad Zilal Hamzah; Eko Retno Indriyarti
Media Ekonomi Vol. 33 No. 1 (2025): April
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/v33i1.25528

This study aims to systematically analyze risk management strategies within the fintech ecosystem by emphasizing the dimensions of technology, governance, and regulation. This study employed a Systematic Literature Review (SLR) approach, adhering to the PRISMA 2020 framework, to ensure a transparent and systematic literature selection process. In the identification stage, researchers collected 645 articles from Google Scholar, Scopus, and DOAJ databases spanning 2015–2025 using keywords related to risk management and fintech. Subsequently, a screening stage was conducted by filtering out duplications and selecting relevant titles and abstracts, significantly reducing the number of articles. In the eligibility stage, the remaining articles were fully reviewed based on inclusion criteria such as topic relevance, publication quality, and adequate data availability. In the inclusion stage, 24 articles were selected for further analysis using a thematic approach to identify patterns of risk management strategies in the fintech ecosystem. The findings indicate that fintech risks are classified into three main dimensions, namely technological, institutional, and regulatory risks. The most adaptive mitigation strategies are associated with the application of ISO 31000 and COSO Enterprise Risk Management (ERM), emphasizing the integration of risk supervision, organizational governance, and digital technology. Furthermore, effective fintech risk management is strongly influenced by collaboration among regulators, industry players, and the public in creating transparent, responsive, and inclusive supervisory systems. Compared to previous studies, this research offers a more comprehensive synthesis by integrating risk governance frameworks with emerging digital approaches such as RegTech and SupTech, and highlights the importance of combining technological innovation, internal governance, and cross-sector collaboration into a unified risk management model within the fintech ecosystem.

ANALISIS SISTEMATIS PENERAPAN MANAJEMEN RISIKO TERINTEGRASI PADA PRODUK GARANSI BANK DI INDONESIA: PENDEKATAN SLR Rendi Apriandi; Muhammad Zilal Hamzah
Media Ekonomi Vol. 33 No. 1 (2025): April
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/v33i1.25565

This study aims to analyze the implementation of integrated risk management in Bank Guarantee (GB) products in Indonesia within the banking sector using a Systematic Literature Review (SLR) approach based on PRISMA 2020. This study employs a qualitative SLR method using PRISMA 2020 guidelines. Data were collected from Scopus, Web of Science, and Google Scholar databases, yielding 340 identified articles, of which 25 met the inclusion criteria. The analysis was conducted using thematic analysis to identify patterns in the relationship between ERM, GCG, and GB risk management. The findings indicate that the implementation of ERM effectively identifies and controls multidimensional risks in GB products, while Good Corporate Governance strengthens ERM effectiveness through improved transparency, accountability, and oversight. The integration of ERM and GCG is associated with more stable guarantee volumes and lower claim ratios, contributing to adaptive and sustainable banking risk management systems. This study contributes to the literature by specifically examining the integration of ERM and GCG in the context of Bank Guarantee products, which remains underexplored in the existing literature.

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