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All Journal Jurnal Manajemen dan Ilmu Administrasi Publik (JMIAP) Journal of Accounting and Digital Finance
Apriliani, Fajar
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Economics, Econometrics & Finance Social Sciences

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Manajemen dan Praktik Inklusif Pendidikan Tinggi bagi Penyandang Disabilitas: Studi Kasus di Dua Universitas Kalimantan Timur Karmilasari, Vina; Apriliani, Fajar; Meiliyana, Meiliyana; Prihantika, Ita
Jurnal Manajemen dan Ilmu Administrasi Publik (JMIAP) Vol 7 No 3 (2025): Jurnal Manajemen dan Ilmu Administrasi Publik (JMIAP)
Publisher : Laboratorium Jurusan Ilmu Administrasi Negara Fakultas Ilmu Sosial Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jmiap.v7i3.1278

Abstract

Inclusive access to higher education for persons with disabilities in Indonesia remains limited, as indicated by data from the National Disability Committee (2022) showing that only 2.8% of persons with disabilities continue to higher education. This study addresses the issue of weak inclusive governance in universities by examining two institutions in East Kalimantan-one public and one private-selected to compare managerial practices. Using a descriptive qualitative approach, data were collected through in-depth interviews with university leaders, lecturers, administrative staff, and students with disabilities, as well as through campus facility observations and policy document reviews. Thematic analysis was applied to identify key patterns. The findings reveal that inclusive practices remain partial and highly dependent on individual initiatives. For instance, Campus A has established a Disability Service Center, but its authority is limited, while Campus B lacks a formal structure and relies on ad-hoc solutions. Major challenges include the absence of standardized service guidelines, insufficient budget allocation, and weak monitoring systems. This study recommends the establishment of dedicated disability service units with clear authority, special budget allocation, and participatory monitoring mechanisms to ensure the sustainability of inclusive education in higher education institutions.
Mengukur risiko pembiayaan terhadap pembiayaan murabahah dengan menggunakan moderated regression analysis Apriliani, Fajar; Rofiuddin, Mohammad
Journal of Accounting and Digital Finance Vol. 2 No. 2 (2022): Journal of Accounting and Digital Finance
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jadfi.v2i2.367

Abstract

This study analyzes the effect of capital adequacy and financing-to-deposit ratio profit margin on Murabaha financing with financing risk as a moderating variable. This study uses secondary data in the form of panel data. The population in this study were all Islamic Commercial Banks registered with the Financial Services Authority (OJK) for the 2016-2020 period, namely BRI Syariah Banks, BNI Syariah Banks, BCA Syariah Banks, Mandiri Syariah Banks, Muamalat Indonesia Banks, Mega Syariah Banks, Victoria Syariah Banks, Bank Panin Dubai Syariah, Bank Jabar Banten Syariah, Bank Syariah Bukopin. The sample of this study amounted to 10 Islamic Commercial Banks. The data analysis method approach used is Moderated Regression Analysis. The results of this study indicate that Capital Adequacy does not affect Murabahah Financing. FDR harms Murabaha Financing. Profit Margin has a positive effect on Murabaha Financing. NPF does not moderate the effect of CAR on Murabahah Financing. NPF moderates the effect of FDR on Murabahah Financing. NPF moderates the effect of Margin on Murabahah Financing.
Co-Authors Karmilasari, Vina Meiliyana Meiliyana Prihantika, Ita Rofiuddin, Mohammad