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All Journal International Journal of Management Progress Busyro : Jurnal Dakwah dan Komunikasi Islam Research Horizon At-Tahdzib: Jurnal Studi Islam dan Muamalah Social Humanity Insight: Islamic Education and Learning
Mahfudz
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Research Horizon

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Transforming MSMEs Towards Sustainable Growth: A Study of Economic Empowerment Dinata, Amet Candra; Octavian, Yayan; Sukresna, I Made; Mahfudz
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.410

Abstract

Empowering the regional economy as an economic foundation through the development of Micro, Small and Medium Enterprises (MSMEs) play a strategic role in promoting inclusive and sustainable economic growth at the regional level. This research aims to examine the success of MSMEs in Pasar Badung and analyze MSME development strategies to enhance local economic empowerment. The study employs a descriptive approach to analyze workforce trends in MSMEs during the 2020-2023 period, with data collection through in-depth interviews with MSME actors and relevant stakeholders. The findings reveal that MSMEs in Pasar Badung face various challenges in their development, including resource limitations, restricted market access, and resistance to change. Nevertheless, through strengthening human resource capacity and implementing appropriate marketing strategies, MSME actors can overcome these challenges and achieve sustainable growth. This research contributes to understanding the significance of MSMEs in strengthening local economies and regional development. The study also emphasizes the urgency of empowerment policies and programs that can drive MSME growth and improve community welfare.
Improving the Productivity of Cross-Generational Relationship Managers in the Banking Sector Lestari, Dwi Indah; Kurniawan, Bernadi; Perdana, Mirwan Surya; Mahfudz
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.414

Abstract

This study explores the impact of adaptive education on employee empowerment and productivity among Relationship Managers (RMs) at BRIguna, focusing on differences in learning preferences across generations. Using a qualitative descriptive approach, this study highlights that Generation X, Millennials, and Generation Z have different training preferences, with Generation X preferring formal face-to-face training, while Millennials and Gen Z prefer flexible technology-based learning methods. The results emphasize the importance of adaptive education tailored to individual learning styles, indicating that technology-based training has a positive impact on productivity, especially among generations familiar with technology. Direct observation and thematic analysis suggest that blended learning can bridge generational differences, accommodate diverse preferences, and increase engagement and efficiency in the workplace. In addition, adaptive training that is tailored to employees’ learning preferences increases their sense of being valued and empowered, which positively influences their loyalty and commitment. This study contributes to the literature on adaptive education in multigenerational organizations, particularly in the banking sector, by offering insights into the design of effective training programs to maximize productivity, engagement, and retention across generations. These findings also open opportunities for further research on the role of adaptive education in creating a cohesive, inclusive, and productive work environment amidst generational diversity.
Empowering MSMEs as the Backbone of the National Economy through Credit Insurance Mayangsari, Jane Berliana; Pratomo, Hananto Budi; Perdana, Mirwan Surya; Mahfudz
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.419

Abstract

This research explores the effectiveness of credit insurance in empowering MSMEs, which is one of the important sectors in building the national economy. Using a descriptive qualitative method with a case study of Bank Rakyat Indonesia (BRI), this research analyses changes in the Non-Performing Loan (NPL) ratio for MSME loans before and after the implementation of credit insurance. Data was collected from a literature review, reports from the Financial Services Authority (Otoritas Jasa Keuangan/OJK), Bank Indonesia, Ministry of Cooperatives and MSMEs, and BRI's internal reports. The findings show that the implementation of credit insurance lowered the NPL ratio in BRI's MSME segment from 3.5% to 2.1% over two years, supporting the role of credit insurance as a risk mitigation tool that transfers default risk to the insurance company. These results strengthen the theory of risk mitigation and have practical implications for banks in expanding access to secure financing for MSMEs. A limitation of this study is its focus on one bank, which means the results may not be generalizable across the board. Policymakers and regulators are encouraged to consider policies that encourage wider adoption of credit insurance for MSMEs. This study offers insights into developing effective risk mitigation strategies for the MSME credit sector.
Digital Banking for Empowerment: How Technology Shapes the Financial Behavior of Millennials Kurniawan, Novan; Satyarini, Yuane; Sukresna, I Made; Mahfudz
Research Horizon Vol. 5 No. 1 (2025): Research Horizon - February 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.1.2025.451

Abstract

This study investigates the impact of digital banking on the financial behavior of millennials. Utilizing a literature review methodology, the research compiles and analyzes findings from various studies exploring the relationship between digital banking services and millennials' financial management practices. The results indicate that digital banking significantly enhances accessibility to financial services, encouraging millennials to engage more actively in budgeting, saving, and investing. Furthermore, factors such as convenience, security, and financial literacy play critical roles in the adoption of these technologies. The contribution of this research lies in providing valuable insights for financial institutions to tailor products and services that meet the needs of the younger generation, while emphasizing the importance of financial education to maximize the benefits of digital banking.
The Impact of Digital Payments on Financial Inclusion in Rural Areas Yuko, Mohammad; Suratin, Mochammad; Mahfudz; Sukresna, I Made
Research Horizon Vol. 5 No. 1 (2025): Research Horizon - February 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.1.2025.459

Abstract

In the modern digital era, achieving financial inclusion remains a significant challenge, particularly in rural areas of Indonesia, where access to financial services is still limited. With only 70.13% of the rural population financially included, a substantial portion of individuals continue to rely on the informal financial sector, which often fails to meet their financial needs effectively. In response to these challenges, digital payment technology has emerged as a viable solution to bridge the gap in financial access. This study investigates the impact of digital payments on financial inclusion in rural East Java, employing a quantitative survey approach through questionnaires administered to digital payment users. The findings reveal that the adoption of e-wallets and QR payments significantly enhances community access to financial products and services. These results offer valuable insights for policymakers and stakeholders in formulating more effective strategies to improve financial inclusion in rural areas, thereby fostering economic growth and enhancing the overall well-being of communities.
Co-Authors Akmal Dinata, Amet Candra I Made Sukresna Kurniawan, Bernadi Kurniawan, Novan Lestari, Dwi Indah Mayangsari, Jane Berliana Muhammad Iqbal Muhammad Nur Ali Nur Laili Fikriah Nurdin Rahman Nurfadli, Aldiyansyah Octavian, Yayan Perdana, Mirwan Surya Pratomo, Hananto Budi Ramlan romadlany, zakiyah Satyarini, Yuane Suratin, Mochammad Tiara Juliana Jaya Yuko, Mohammad