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All Journal Jurnal Ilmiah Manajemen dan Akuntansi TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Jejak digital: Jurnal Ilmiah Multidisiplin
Raihan Maulana
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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ANALISIS KUALITATIF STRATEGI PENETAPAN KUPON SBR OLEH DJPPR TERHADAP PERUBAHAN BI7DRR PERIODE 2021–2024 Aulia Nissa Ahnafia; Yusnita Sarnanda; Az Zahra Keila Adjani; Raihan Maulana; Muhammad Yogi Hermanto; Muhammad Diva Nurliyanto
Jurnal Ilmiah Manajemen dan Akuntansi Vol. 2 No. 3 (2025): Mei : Jurnal Ilmiah Manajemen dan Akuntansi
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/c8zf1920

Abstract

This study aims to qualitatively analyze the coupon-setting strategy employed by the Directorate General of Budget Financing and Risk Management (DJPPR) in response to fluctuations in Bank Indonesia's benchmark interest rate, specifically the BI 7-Day Reverse Repo Rate (BI7DRR), during the 2021–2024 period. Using a descriptive-analytical approach based on a literature review, the research examines official policy documents, historical BI7DRR data, and relevant academic studies. The findings indicate that DJPPR implemented a floating with floor coupon mechanism as an adaptive strategy to address interest rate volatility. This mechanism has proven effective in maintaining the appeal of Savings Bond Ritel (SBR) among retail investors, while also reflecting the synergy between fiscal and monetary policy in managing national debt instruments
Pengembangan Aplikasi E-Modul Berbasis Mobile Pada Mata Pelajaran Administrasi Sistem Jaringan Kelas XI TJKT, SMK Negeri 1 Bangkinang Raihan Maulana; Hadi Kurnia Saputra; Dony Novaliendry; Geovanne Farell
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 1 No. 5 (2025): SEPTEMBER
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/rswcs646

Abstract

Penelitian pengembangan ini memiliki tujuan untuk Mengembangkan media pembelajaran yang berbasis mobile pada materi Konfigurasi Sistem Operasi Server Server, serta Melakukan uji coba terhadap aplikasi e-modul berbasis mobile dalam pembelajaran Administrasi Sistem Jaringan kelas XI TJKT di SMK Negeri 1 Bangkinang. Permasalahan yang sering ditemui adalah masih digunakan modul pembelajaran konvensional yang cenderung bersifat satu arah. Modul ini sering kali kurang memberikan penjelasan yang mendetail serta minim visualisasi langkah-langkah yang diperlukan. Oleh karena itu, siswa mengalami kesulitan dalam memahami materi dan merasa bingung ketika mencoba menerapkan secara mandiri, padahal sudah sesuai dengan Langkah di modul tapi tidak berjalan sesuai yang di rencanakan karena ada beberapa Langkah unik yang dilakukan terutama pada mata pelajaran administrasi sistem jaringan dimana siswa mempelajari bagaimana cara mengoperasikan Sistem Operasi Server server, dimana siswa disini benar benar tidak tahu tentang apapun.
Implementasi Digitalisasi pada BMT dalam Meningkatkan Efisiensi Layanan Keuangan Syariah: Implementation of Digitalization in BMT to Increase the Efficiency of Sharia Financial Services Raihan Maulana; Muhammad Yazid
TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Vol. 2 No. 3 (2025): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah
Publisher : Litera Academica Publishing

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

Abstract

The rapid advancement of digital technology has significantly transformed the landscape of Islamic financial institutions, including Baitul Maal wat Tamwil (BMT), which serves as a microfinance intermediary for empowering Muslim communities. This study aims to analyze the implementation of digitalization in BMT operations to improve the efficiency and accessibility of Islamic financial services. Using a qualitative descriptive approach, data were collected through interviews, documentation, and observation of several BMTs that have adopted digital platforms in their financial management systems. The findings indicate that digitalization enhances operational efficiency by streamlining transaction processes, improving financial reporting accuracy, and expanding service coverage through mobile and online applications. However, challenges such as limited digital literacy, infrastructure constraints, and data security concerns remain obstacles to optimal implementation. The study concludes that successful digital transformation in BMT requires not only technological adoption but also human resource development and regulatory support from related institutions. The results of this research contribute to the development of Islamic microfinance management theory and provide practical insights for policymakers and BMT practitioners in promoting inclusive and efficient Sharia-based financial services.
Co-Authors Aulia Nissa Ahnafia Az Zahra Keila Adjani Dony Novaliendry Geovanne Farell Hadi Kurnia Saputra Muhammad Diva Nurliyanto Muhammad Yazid Muhammad Yogi Hermanto Yusnita Sarnanda