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All Journal Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Kompartemen : Jurnal Ilmiah Akuntansi JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Society: Jurnal Pengabdian Masyarakat Penamas: Journal of Community Service Jurnal Ilmiah Keuangan Akuntansi Bisnis Jurnal Ekonomi, Bisnis dan Manajemen Hikmayo: Jurnal Pengabdian Masyarakat International Journal of Islamic Business and Economics (IJIBEC) Jurnal Ragam Pengabdian Tintamas: Jurnal Pengabdian Indonesia Emas JMMU: Jurnal Mahasiswa Manajemen dan Umum
Yudi Siyamto
Akademi Manajemen Administrasi Yogyakarta
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Dana Pihak Ketiga dalam Pertumbuhan Aset dan Efisiensi, serta Tantangan Pengaruh Pembiayaan UMKM dan Manajemen Risiko pada BPRS di Indonesia Yudi Siyamto; Sumadi
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i1.18332

Abstract

This study aims to analyze the effect of Third-Party Funds (TPF) and Micro, Small, and Medium Enterprises (MSME) financing on asset performance, fund intermediation efficiency, and financing risk of Islamic Rural Banks (BPRS) across Indonesian provinces during the 2020–2024 period. The research utilizes secondary data from the Islamic Banking Statistics published by the Financial Services Authority (OJK). Panel data regression analysis was conducted using Stata through three main models examining the determinants of assets, Financing to Deposit Ratio (FDR), and Non-Performing Financing (NPF). The findings reveal that TPF serves as the primary driver of asset growth in BPRS, while MSME financing positively and significantly enhances fund intermediation efficiency as reflected in the FDR. Conversely, neither TPF nor MSME financing significantly affect the NPF, suggesting the need to strengthen risk management and internal governance beyond the expansion of financing volume. These findings reinforce and extend the Islamic financial intermediation theory and provide practical policy insights to strengthen the strategic role of BPRS in advancing inclusive and sustainable Islamic microfinance.
Membangun Niat Berwirausaha Mahasiswa melalui Self-efficacy dan Dukungan Lingkungan Yudi Siyamto; Endah Wening Budiningrum; Irine Diana Sari Wijayanti
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 10 No 1 (2026): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v10i1.32850

Abstract

Indonesia’s high unemployment rate, reaching 7.28 million people, highlights the urgency of strengthening student entrepreneurship as a driver of job creation. This study examines the effects of environmental support, Self-efficacy, and creativity on students’ entrepreneurial intention. Data were collected from 166 final-year students of the Yogyakarta Academy of Administrative Management and analyzed using Partial Least Squares–Structural Equation Modeling (SmartPLS). The results show that environmental support and Self-efficacy significantly influence entrepreneurial intention, while creativity has no significant effect. Moreover, Self-efficacy mediates the relationship between environmental support and entrepreneurial intention, indicating that confidence acts as a psychological bridge transforming external support into entrepreneurial drive. These findings emphasize the importance of cultivating an educational environment that fosters both confidence and social support to encourage students to create new business opportunities.
Co-Authors Andhina Ika Sunardi ARY SUBIYANTORO Cinthia Mutiara Hapsari Eka Yulianta Endah Wening Budiningrum Fathoni, Muhammad Isnaini Harun Santoso Helti Nur Aisyiah Herlambang, Susatyo hidayatullah, Hidayatullah hidayatullah Holo, Kristina Indah Piliyanti Intan Sukmawati Irine Diana Sari Wijayanti Khoiri Najib Kusumaningtyas, Daru Putri Maelana, Herman Wahyu dwi Mochamad Rofik Muhammad Isnaini Fathoni Murdapa, Purnama Andri Mursyid Djawas Ngatipan Ninik Fizziah Ummah Nugroho, Himawan Agung Pratiwi, Desy Nur Pratiwi, Olcarissa Ceira Rohimah, Wulan Wahidatun Samsul Rosadi Siarno, Si Islam Sri Febri Astyo Bakti Subandi Subandi Suliantoro Suliantoro Sumadi Sumadi Sumadi Ulul Azmi Mustofa, Ulul Azmi Wibowo, Prihartanto Eko Wijayanti, Irine Diana Sari Wilis Fahlefi Yulianta, Eka Yuliantoharinugroho, Yuliantoharinugroho Yuwita Ariessa Pravasanti Yuwita Ariessa Pravasanti, Yuwita Ariessa