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All Journal RESLAJ: Religion Education Social Laa Roiba Journal Jurnal Ekonomi, Manajemen, Akuntansi
Bunga Mardhotillah
Universitas Jambi, Indonesia
Religion Economics, Econometrics & Finance Education Environmental Science Social Sciences

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Urgency of BPJS Policy Specifically for Farmers in Improving Farmer Welfare in Indonesia Rabith Madah Khulaili Harsya; Bunga Mardhotillah; Erlita Khrisinta Dewi; Pande Ayu Naya Kasih Permatananda; Hotnida Nainggolan
Reslaj: Religion Education Social Laa Roiba Journal Vol. 7 No. 11 (2025): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v7i11.10350

Abstract

This research is qualitative with a descriptive approach. The data used in this study are secondary data obtained by the researcher from indirect sources such as books, scientific articles, magazines, and so on. The data obtained were analyzed through the stages of data collection, data reduction, data selection, and conclusion drawing. The conclusion in this article show that the implementation of BPJS or health insurance for farmers has a very urgent meaning for the welfare explained in several previous paragraphs, namely related to economic sovereignty, peace, and happiness. With BPJS or health insurance for farmers, it can anticipate unexpected expenses related to farmers' health. Farmers can feel safer and happier, and can focus more on business development, increasing income, and improving product creativity. Thus, the researcher concludes, the implementation of BPJS specifically for farmers has a very close urgency in creating farmer welfare.
Pengelompokan Provinsi Berdasarkan Dinamika Nasabah-Debitur BPR Syariah Fadhlul Mubarak; Bunga Mardhotillah; Vinny Yuliani Sundara; Germansah Germansah; Panji Jiblathar
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 3: Maret 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i3.14569

Abstract

Penelitian ini bertujuan untuk mengelompokkan provinsi di Indonesia berdasarkan dinamika jumlah nasabah dan debitur Bank Pembiayaan Rakyat Syariah (BPRS) selama periode Februari-Oktober 2025. Data bersumber dari Otoritas Jasa Keuangan (OJK) dan dianalisis menggunakan metode K-Means Clustering dengan dua variabel utama, yaitu rata-rata jumlah nasabah dan debitur per provinsi. Proses analisis meliputi standardisasi data, penentuan jumlah klaster optimal melalui metode Elbow dan Silhouette, serta visualisasi hasil pengelompokan. Hasil penelitian menunjukkan terbentuknya tiga klaster: (i) klaster dengan aktivitas BPRS tinggi (Jawa Barat dan Jawa Timur), (ii) klaster dengan aktivitas rendah yang mencakup sebagian besar provinsi, dan (iii) klaster menengah dengan rasio debitur/nasabah relatif tinggi seperti Nusa Tenggara Barat dan Kepulauan Riau. Temuan ini mengindikasikan adanya heterogenitas antarwilayah yang signifikan, sehingga kebijakan pengembangan BPRS perlu disesuaikan dengan karakteristik masing-masing klaster. Penelitian ini memberikan kontribusi dalam perumusan strategi segmentasi berbasis data untuk meningkatkan inklusi keuangan syariah di Indonesia.
Co-Authors Erlita Khrisinta Dewi Fadhlul Mubarak Germansah Germansah Hotnida Nainggolan Pande Ayu Naya Kasih Permatananda Panji Jiblathar Rabith Madah Khulaili Harsya Vinny Yuliani Sundara