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All Journal Community Development Journal: Jurnal Pengabdian Masyarakat JEBDEKER: Jurnal Ekonomi, Manajemen, Akuntansi, Bisnis Digital, Ekonomi Kreatif, Entrepreneur Salwatuna: Jurnal Pengabdian Kepada Masyarakat JURNAL ESA Jurnal Pariwisata, Bisnis Digital dan Manajemen Jurnal Ilmiah Multidisiplin Indonesia I'thisom: Jurnal Ekonomi Syariah Joong-Ki SEJAGAT : Jurnal Pengabdian Masyarakat IZZI: Jurnal Ekonomi Islam
Muhammad Bahanan
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Physics Public Health Social Sciences Other

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STUDI KOMPREHENSIF TERHADAP RISIKO PEMBIAYAAN PADA BANK DIGITAL SYARIAH Muhammad Bahanan; Hardian Dwi Utomo
I'THISOM : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2025): I`thisom Edisi April
Publisher : LPPM Sekolah Tinggi Agama Islam Al-Utsmani Bondowoso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70412/its.v4i1.177

Abstract

This study provides a comprehensive analysis of the various financing risks faced by Islamic digital banks in Indonesia as a consequence of the rapid development of digital technology in the Islamic financial system. Using a qualitative approach based on literature review, the research explores several types of risks including credit risk, sharia compliance risk, operational risk, liquidity risk, reputational risk, and information technology risk in the operational activities of Islamic digital banking. The findings reveal that although digitalization enhances efficiency and financial inclusion, it also introduces new challenges in risk management that must comply with Islamic principles. The underlying factors contributing to these risks include the uncertainty of Islamic contracts, the quality of customer profiles, technological vulnerabilities, regulatory compliance with sharia law, and low levels of financial and digital literacy. This study also proposes relevant mitigation strategies such as the application of AI and big data in credit scoring, strengthening IT security infrastructure, and optimizing the role of the Sharia Supervisory Board. The results of this study are expected to serve as a reference for the development of adaptive and sharia-compliant risk management systems for Islamic digital banks in the modern era.
Hedging strategy against exchange rate volatility in Indonesian export-import companies : a case study on PT Astra International, Tbk Muhammad Bahanan; Prisilia Angel Tantri; Fitriya Andriyani; Rezha Isyraqi Qastalano
Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) Vol. 4 No. 09 (2025): Jurnal Ilmiah Multidisplin Indonesia (JIM-ID) October 2025
Publisher : Sean Institute

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Abstract

This study aims to explore and evaluate the hedging strategies employed by PT Astra International Tbk in managing exchange rate volatility resulting from its export-import activities. Using a qualitative approach with a case study method, the research utilizes secondary data from financial statements, annual reports, and official disclosures from 2020 to 2024. The findings reveal that Astra consistently applies both financial hedging using instruments such as forward contracts and cross-currency swaps and natural hedging through currency alignment in operational flows. Despite occasional accounting losses from derivative instruments, the company demonstrates high hedging effectiveness, averaging over 98% in reducing potential exchange rate losses. This study contributes to the understanding of risk management practices in emerging market corporations and underscores the importance of integrating derivative instruments into corporate treasury systems. The results offer practical insights for companies facing foreign exchange risk and support theoretical frameworks on financial risk mitigation and corporate governance.
PENERAPAN MANAJEMEN STRATEGI UMKM DALAM MENGHADAPI PERSAINGAN BISNIS DI KAWASAN PPS Al-UTSMANI BONDOWOSO Haqiqotus Sa’adah; Kazimah; Sri Yuliati Ningsih; Ainur Rohmah; Muhammad Bahanan
IZZI: Jurnal Ekonomi Islam Vol. 4 No. 2 (2024): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

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Abstract

Micro, Small and Medium Enterprises or UMKM are the business group that has the largest number and has proven to be resistant to various shocks from the economic crisis. Strategy is very important to determine the company's success in achieving its long-term goals. By choosing the right strategy for a particular company position, a company will have a competitive advantage. The aim of this research is to find out what strategies are used by Micro, Small and Medium Enterprises (UMKM) owners in facing business competition. This research method uses descriptive qualitative, previously interviews were conducted with resource persons with the results obtained in the form of strategies implemented by sellers in promoting the goods they sell. It can be concluded that business competition in the Al-Utsmani Salafiyah Islamic boarding school is so great that sometimes business actors are at a disadvantage in dealing with this situation, therefore business strategies play a very important role.
Pemberdayaan Petani Kopi melalui Penguatan Kelembagaan dan Pengelolaan Green Bean Berkelanjutan Huda, Choirul; Nugroho , Rizky Adhitya; Husin; Hakim, Lukman; Bahanan, Muhammad; Wijanarko, Denny
SEJAGAT : Jurnal Pengabdian Masyarakat Vol. 2 No. 2 (2025): October
Publisher : P3M Politeknik Negeri Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25047/sejagat.v2i2.6720

Abstract

Petani kopi di wilayah pedesaan sering menghadapi kendala struktural seperti ketiadaan kelembagaan tani, terbatasnya akses terhadap bantuan pemerintah dan CSR, serta lemahnya posisi tawar dalam pemasaran hasil panen. Kondisi tersebut juga dialami oleh petani kopi di Desa Suco, Kecamatan Mumbulsari, Kabupaten Jember, yang umumnya menjual kopi gelondong ke pengepul dengan harga rendah, antara Rp12.000–Rp18.000 per kilogram. Kegiatan ini bertujuan untuk meningkatkan kapasitas dan kemandirian petani melalui pembentukan paguyuban petani kopi serta penerapan praktik value-added berupa pengolahan pascapanen hingga tahap green bean. Metode pelaksanaan meliputi sosialisasi, pendampingan kelembagaan, pelatihan peluang pasar kopi, serta penyediaan mesin pengupas kopi skala kecil sebagai prototipe. Hasil kegiatan menunjukkan peningkatan pemahaman petani terhadap pentingnya organisasi kolektif sebagai sarana memperluas akses sumber daya eksternal, sekaligus tumbuhnya kesadaran akan potensi peningkatan pendapatan melalui pengolahan pascapanen sederhana. Pengenalan mesin pengupas turut memperkuat kemampuan teknis petani dan mendorong diferensiasi produk. Secara keseluruhan, penguatan kelembagaan yang dipadukan dengan pengolahan green bean terbukti menjadi strategi efektif dalam meningkatkan daya saing dan posisi tawar petani kopi pedesaan.
EDUKASI BIJAK DAN AMAN BERMEDIA SOSIAL BAGI SISWA SDN SUMBERSALAM 2 BONDOWOSO Qastalano, Rezha Isyraqi; Bahanan, Muhammad; Efendi, Rizky Kurniawan; Idha, Muhammad Dafa; Tety, Marella; Putri, Marsheila Karisa; Ramadani, Nabila Tri Andhita
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 7 No. 2 (2026): Inpress Vol. 7 No. 2 (2026)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v7i2.56150

Abstract

Perkembangan teknologi digital dan media sosial telah menjangkau anak usia sekolah dasar, termasuk di wilayah pedesaan. Kondisi ini menuntut adanya penguatan literasi digital sejak dini agar peserta didik mampu menggunakan media sosial secara bijak, aman, dan bertanggung jawab. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman literasi digital siswa kelas 4–6 SDN Sumbersalam 2 Bondowoso melalui edukasi penggunaan media sosial, khususnya TikTok dan Instagram. Metode pengabdian dilaksanakan dalam bentuk sosialisasi, diskusi interaktif, role playing, permainan edukatif, dan proyek mini pembuatan konten positif. Hasil kegiatan ini menunjukkan adanya peningkatan pemahaman siswa terhadap etika komunikasi digital, perlindungan privasi, bahaya media sosial, serta kemampuan memilah konten sebelum dibagikan. Sebanyak 85% siswa mengalami peningkatan pemahaman etika digital dan 90% mampu mengidentifikasi informasi pribadi yang harus dijaga. Kegiatan ini memberikan kontribusi positif dalam membentuk kesadaran dan karakter digital siswa sekolah dasar, serta menjadi langkah awal penguatan literasi digital di lingkungan pedesaan.
Co-Authors Ainur Rohmah Choirul Huda Efendi, Rizky Kurniawan Farisya Irmayu Fitriya Andriyani HAQIQOTUS SA'ADAH Haqiqotus Sa’adah Hardian Dwi Utomo Husin Idha, Muhammad Dafa Kazimah Kusuma Wardana, Guntur Lukman Hakim Muhammad Wahyudi Noer Aisyah Berlian Nugroho , Rizky Adhitya Nugroho, Rizky Adhitya Prisilia Angel Tantri Putri, Marsheila Karisa Qastalano, Rezha Isyraqi Ramadani, Nabila Tri Andhita Rezha Isyraqi Qastalano Rezha Isyraqi Qastalano Sri Yuliati Ningsih Tety, Marella Wijanarko, Denny