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Impact of Third-Party Funds and Macroeconomic Variables on Micro, Small, and Medium Enterprises Financing by Islamic People's Financing Bank Lestari, Lutfi Bangun; Achmad Nugrahantoro; Ilmi Masfuha; Ahmad Azhari Pohan; Gilang Mukti Prabowo
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 4 No. 2 (2025): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Yayasan Mitra Peduli Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57053/itqan.v4i2.109

Abstract

This study aims to analyze the Impact of third-party funds and macroeconomic variables on MSME Financing by Islamic People's Financing Bank (BPRS) in Java: Evidence from the COVID-19 Period (2019–2023). The research method used is the GMM dynamic panel analysis approach. The object of the study is the BPRS located in Java for the period Q1 2019-Q42023. The sampling technique uses the saturated sampling technique. This study uses panel data from 98 BPRS in Java for Q12019-Q42023. This study found that DPK has a positive and significant effect, inflation has a positive but not significant effect, the benchmark interest rate has a negative but not significant effect, and COVID-19 has a significant negative impact on MSME financing. The results of this study provide empirical information that BPRS in Java has quite good resilience in dealing with economic instability due to the COVID-19 pandemic. The Islamic microfinance system has flexibility in dealing with crises. It contributes to fulfilling the objectives of Maqashid Sharia, especially in maintaining assets (high al-mal) and the sustainability of the community's economy.
Pelatihan Canva untuk Digital Marketing Siswa Akhir SMA Pondok Pesantren Tahfidzul Qur'an Harun As-Syafi'i Putri Yogyakarta Ilmi Masfuha; Lutfi Bangun Lestari; Ahmad Azhari Pohan; Gilang Mukti Prabowo; Achmad Nugrahantoro
Tanggap Masyarakat untuk Aksi dan Sinergi Vol. 1 No. 02 (2025): Volume 01 Nomor 02 - Juni 2025
Publisher : TAM Global Insights - PT. Treeta Amanah Mandiri Group

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

Abstract

Di era digital, kemampuan desain grafis dan pemasaran digital menjadi keterampilan penting yang harus dimiliki oleh generasi muda, termasuk siswa tingkat akhir SMA dari lingkungan pesantren. Pelatihan Canva untuk digital marketing ini diselenggarakan oleh tim dosen Universitas Madani di SMA Pondok Pesantren Tahfidzul Qur'an Harun As-Syafi'i Putri Yogyakarta yang bertujuan untuk meningkatkan literasi digital dan kesiapan siswa menghadapi dunia kerja serta kewirausahaan. Kegiatan ini mencakup pengenalan konsep digital marketing, penggunaan platform Canva, praktik pembuatan konten visual, serta sesi interaktif tanya jawab. Hasil pelatihan menunjukkan peningkatan signifikan pada keterampilan desain grafis dan pemahaman peserta mengenai strategi pemasaran digital. Selain itu, pelatihan ini mendorong tumbuhnya motivasi berwirausaha digital di kalangan siswa. Dengan metode partisipatif dan pendekatan praktis, kegiatan ini berkontribusi dalam pembentukan kompetensi abad ke-21 yang relevan dan aplikatif.