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All Journal Istinbath: Jurnal Hukum dan Ekonomi Islam Seminar Nasional Riset dan Teknologi (SEMNAS RISTEK)
Saputra, Yusup
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Religion Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice Other

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THE EFFECTIVENESS OF POJK 23/2022 AND IMPLICATIONS FOR MSME FINANCING INCLUSION (EVIDENCE FROM BPRS BTB BOGOR, WEST JAVA) Saputra, Yusup; Isman, Isman; Salsabila, Azka
istinbath Vol. 24 No. 2 (2025): December
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v24i2.1042

Abstract

This study examines the impact of implementing POJK No. 23 of 2022 on MSME lending at BPRS Tegar Beriman Bank in Bogor Regency, with a particular focus on the effectiveness of the minimum financing limit policy in promoting the financial inclusion of non-bank MSMEs (the unbankable community). BPRS Tegar Beriman was selected as a representative of rural banks based on APBD. The methodology employed is a mixed-methods approach, incorporating an ex post quantitative analysis through linear regression of data collected from January 2023 to March 2024. The dependent variable in this study is total financing to non-bank third parties, while the independent variables include murabaha, istishna, and multijasa receivables. The regression results indicate an R-square of 0.82359, suggesting that the model accounts for 82.36% of the observed variation in financing. Of the three variables, only istishna financing is statistically significant, with a negative coefficient. It suggests that banks are exercising caution when facilitating complex project financing. Theoretically, this finding is indicative of the preeminence of prudential logic in legal substance, the accommodation of community needs within legal culture, and structural efficiency resulting from regulatory pressure in the legal structure, as posited by Lawrence Friedman's theory. Bank adjustments to regulations are regarded not only as a form of normative compliance but also as a strategic effort to enhance risk management efficiency and achieve financing targets. The minimum lending regulation has been shown to affect bank compliance with it positively.
Analisis Kinerja Model Yolov8 Berbasis Roboflow pada Deteksi Sampah Plastik Non-Plastik Otomatis Alghiffary, Muhammad Adya; Saputra, Yusup; Ali, Satrio Nur; Sumanto, Sumanto; Taufig, Ghofar; Kumalasari, Jefina Tri
Semnas Ristek (Seminar Nasional Riset dan Inovasi Teknologi) Vol 10, No 1 (2026): SEMNAS RISTEK 2026
Publisher : Universitas Indraprasta PGRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30998/semnasristek.v10i1.8896

Abstract

Meningkatnya jumlah sampah plastik menuntut adanya sistem pemilahan yang lebih efisien dan akurat. Pemilahan sampah secara manual masih memiliki keterbatasan dari segi waktu dan ketelitian. Oleh karena itu, diperlukan sistem deteksi otomatis berbasis computer vision menggunakan model YOLOv8 dan Roboflow untuk membedakan sampah plastik dan non-plastik secara efektif. Penelitian ini berfokus pada evaluasi kinerjamodel YOLOv8 untuk mengotomasi deteksi sampah Plastik dan Non-Plastik, sebuah langkah krusial dalam pengelolaan limbah modern. Menggunakan dataset yang disediakan Roboflow, model dikembangkan dan diuji coba seluruhnya di lingkungan Google Colab. Model YOLOv8 menunjukkan hasil yang sangat memuaskan, dengan capaian mean Average Precision (mAP) mencapai 95,2% dan akurasi 94,5%. Kinerja tinggi ini didukung oleh nilai presisi dan recall yang kuat, menandakan kemampuan klasifikasi yang handal. Studi ini menyimpulkan bahwa YOLOv8 adalah pilihan yang efektif dan efisien untuk penerapan dalam teknologi pemilahan sampah otomatis, yang berpotensi meningkatkan produktivitas dan keberlanjutan pengelolaan sampah di berbagai skala.
Co-Authors Alghiffary, Muhammad Adya Ali, Satrio Nur Isman, Isman Jefina Tri Kumalasari Salsabila, Azka Sumanto, Sumanto Taufig, Ghofar