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All Journal JURNAL MANAJEMEN Educandum Jurnal Ilmiah Pendidikan Golden Ratio of Social Science and Education Amare JURNAL PEMERINTAHAN POLITIK ANGGARAN DAN ADMINISTRASI PUBLIK AMNESIA (JURNAL MANAJEMEN SUMBER DAYA MANUSIA) AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Babakti : Journal of Community Engangement Renewable Energy Issues
Harun, Salmah
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Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analisis Kelayakan Kredit Calon Debitur Sebagai Dasar dalam Pengambilan Keputusan Pemberian Kredit Usaha Rakyat (Studi Kasus pada PT Bank BTN Syariah) Putri, Yusti Eka; Halmi, Halmi; Irmawati, Ika; Harun, Salmah
AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Vol. 1 No. 12 (2024): AKSIOMA : Jurnal Sains, Ekonomi dan Edukasi
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/x13tfb66

Abstract

The purpose of this writing is to understand and determine the Credit Worthiness Analysis of Prospective Debtors as a Basis for Making Decisions on Providing People's Business Credit (Case Study at PT Bank BTN Syariah) Makassar branch. In analyzing the data, the author uses a qualitative data analysis method as a research method that explains descriptively the Analysis of Credit Worthiness of Prospective Debtors as a Basis for Making Decisions on Providing People's Business Credit (Case Study at PT Bank BTN Syariah) Makassar branch. The result of this research is an analysis of the creditworthiness of prospective debtors as a basis for making decisions on granting people's business credit (case study at PT Bank BTN Syariah) Makassar branch which was carried out in several stages, namely the financing application stage, credit analysis stage, credit decision stage, and disbursement stage. Furthermore, the criteria for customers accepted for KUR financing are customers who pass the 5C analysis, while customers who are rejected are those who do not meet one of the 5C principles. However, in its implementation, PT Bank BTN Syariah Makassar branch prioritizes two aspects, namely character and capacity in the process. Analysis of the Credit Worthiness of Prospective Debtors as a Basis for Making Decisions on Providing People's Business Credit (Case Study at PT Bank BTN Syariah) Makassar branch.
Efektivitas Sistem Akuntasi Penerimaan Kas pada Bank Muamalat KCP Bone Sudirman, Sudirman; Awaliyah, Lusi; Irmawati, Ika; Harun, Salmah; Idris, M. Abduh
AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Vol. 2 No. 1 (2025): AKSIOMA : Jurnal Sains, Ekonomi dan Edukasi
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/rf6vz027

Abstract

In the constantly evolving digital age, the information assurance system has to deal with a lot of new challenges and opportunities. Due to the importance of data accuracy and timeliness, businesses must invest in reliable technologies and instruct their staff in maximize the use of open-source information systems. The purpose of this qualitative research study is to assess the information system's uptime for the Bank Muamalat KCP Bone. To achieve this goal, the researcher used documentation, observation, and interview to gather data. The study's findings indicate that the Bank Muamalat KCP Bone's kas redemption system functions effectively. This is because Otoritas Jasa Keuangan has tightened rules for operational systems. In addition, the information retrieval system, which is based on the Mardiasmo theory and has two components—results and objectives—is also highly effective.
Policy Implementation and Regulatory Challenges in Managing Civil Service Resources in the Era of Digital Governance Harun, Salmah
Golden Ratio of Social Science and Education Vol. 6 No. 1 (2026): December - May
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grsse.v6i1.1893

Abstract

This study investigates the dynamics of policy implementation and regulatory challenges in managing civil service resources within the evolving framework of digital governance. The research aims to interpret how digital transformation reshapes administrative structures, human resource management, and regulatory coherence in the public sector. Employing a qualitative descriptive approach based on a systematic literature review, the study synthesizes empirical and conceptual evidence from recent academic and institutional publications between 2013 and 2025. Data were analyzed thematically through interpretive synthesis to identify recurring patterns of policy adaptation, institutional capacity, and regulatory reform across different governance contexts. The findings reveal that digital governance transforms policy implementation from a linear bureaucratic process into an adaptive, data-driven, and network-based system that demands interagency coordination and technological proficiency. Regulatory challenges emerge from outdated legal frameworks, fragmented institutional mandates, and limited digital literacy among civil servants, leading to uneven implementation outcomes. The study highlights that effective civil service resource management requires integrating digital competency frameworks, ethical data governance, and agile leadership within coherent regulatory systems. Theoretically, this research contributes to modernizing implementation theory by embedding digital institutionalism and adaptive capacity concepts, while managerially, it offers a model for aligning human resource policies with sustainable digital transformation. The results affirm that sustainable digital governance depends on the continuous interaction between policy innovation, regulatory adaptability, and institutional learning.
Co-Authors Ahmad , Ibrahim Andriyan, Yoga Awaliyah, Lusi Basir, Pegiawati Budi, Rosdinaman Haeruddin Haeruddin Halmi, Halmi Henri Henri, Henri Idris, M. Abduh Irmawati, Ika Jamali, Hisnol Likewati, Wa Ode Mukhtar, A. Hijaz Mukhtar, A. Mustika Musa Musa Musa Nasir Nasir Nasir Nasir Nasir Nurhaedar Putri, Yusti Eka Sudirman Sudirman Sudirman Syah, Sri Rahayu Tahalua, Imran