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Willy Alija Rahman
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Computer Science & IT Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS PERTUMBUHAN JARINGAN KANTOR DAN POLA DISTRIBUSI PEMBIAYAAN PADA LEMBAGA KEUANGAN SYARIAH DI INDONESIA Muhamad Hariri Fadilah; Haris Usman; Rangga Primadillah; Alif Azhar; Willy Alija Rahman; Sopian Apandi
Journal of Research and Publication Innovation Vol 3 No 3 (2025): JULY
Publisher : Journal of Research and Publication Innovation

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Penelitian ini bertujuan untuk menganalisis dua aspek penting dalam pengembangan lembaga keuangan syariah di Indonesia, yaitu pertumbuhan jaringan kantor lembaga keuangan syariah (LKS) selama periode 2005–2009 dan struktur distribusi plafon pinjaman pada Pegadaian Syariah. Data dianalisis menggunakan Python, dengan visualisasi tren pertumbuhan jaringan kantor BUS, UUS, BPRS, dan Office Channeling serta analisis kategori rentang pinjaman berdasarkan golongan. Hasil analisis menunjukkan bahwa terjadi peningkatan signifikan dalam jumlah jaringan kantor, terutama pada Office Channeling. Sementara itu, struktur plafon pinjaman menunjukkan sistematika yang konsisten, di mana golongan pinjaman lebih tinggi memiliki rentang plafon dan biaya administrasi yang lebih besar. Hasil penelitian ini memberikan gambaran strategis bagi penguatan kelembagaan dan pengambilan keputusan dalam pengembangan ekonomi syariah di Indonesia.
PEMBAHASAN INTEGRASI TEKNOLOGI AI DAN BIG DATA DALAM SISTEM INFORMASI MANAJEMEN UNTUK OPTIMALISASI KEPUTUSAN UMKM Haris Usman; Willy Alija Rahman; Manzis Ilham Maulana; Achmad Illliyyin Abdullah; Muhamad Hariri Fadilah; Ines Heidiani Ikasa
Journal of Research and Publication Innovation Vol 3 No 4 (2025): OCTOBER
Publisher : Journal of Research and Publication Innovation

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Digital The development of digital technology in the era of the Industrial Revolution 4.0 has brought significant changes to business management patterns, including in the Micro, Small, and Medium Enterprises (MSMEs) sector. One of the most significant transformations is the implementation of Artificial Intelligence (AI) and Big Data in Management Information Systems (MIS). The integration of these technologies enables faster, more accurate, and data-driven decision-making processes. This study aims to analyze the role of AI and Big Data in enhancing decision-making efficiency and the competitiveness of MSMEs in Indonesia. The method used is a literature review of five scholarly journals discussing the application of information systems, MSME digitalization, and the influence of technology on business decision-making. The research results indicate that the integration of AI and Big Data can enhance operational efficiency, strengthen marketing strategies, and provide in-depth insights for MSME actors to adapt to market dynamics. However, the adoption of this technology still faces challenges such as low digital literacy, limited capital, and uneven technological infrastructure. This study recommends the need for collaboration between the government, financial institutions, and the private sector to expand access and digital training for MSMEs so that digital transformation can proceed inclusively and sustainably.
Co-Authors Achmad Illliyyin Abdullah Alif Azhar Haris Usman Ines Heidiani Ikasa Manzis Ilham Maulana Muhamad Hariri Fadilah Rangga Primadillah Sopiyan Apandi