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All Journal Aimmah: Social Sciences Journal Jurnal Ilmiah Ekonomi dan Manajemen Indonesia
Lilis Febiola
Universitas Negeri Medan
Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Efektivitas Penyaluran Kredit Usaha Rakyat (KUR) oleh PT. Bank Rakyat Indonesia Tbk dalam Mendukung UMKM Tahun 2021-2024 Sahira Annaba Lubis; Agustian Sinambela; Chesia Rika Adrilia Br Sitepu; Heny Desiana Simangunsong; Lilis Febiola; Nazwa Aulia Putri; Syarah Safira Husna; Nasrullah Hidayat
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 1 (2026): JANUARI -JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/dkjv8m66

Abstract

Keterbatasan akses permodalan masih menjadi hambatan utama bagi jutaan pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia. Program Kredit Usaha Rakyat (KUR) hadir sebagai solusi pembiayaan berbunga rendah yang disalurkan melalui perbankan, salah satunya PT Bank Rakyat Indonesia (Persero) Tbk. Penelitian ini bertujuan menganalisis efektivitas penyaluran KUR oleh BRI pada periode 2021–2024 serta mengidentifikasi faktor-faktor pendukung dan penghambatnya. Penelitian dilakukan dengan mengkaji data penyaluran KUR BRI secara nasional menggunakan pendekatan kualitatif deskriptif yang didukung data kuantitatif sederhana. Data dikumpulkan melalui studi dokumentasi dan studi literatur dari laporan tahunan BRI, SIKP Kemenko Perekonomian, laporan OJK, dan jurnal ilmiah yang relevan. Hasil penelitian menunjukkan bahwa penyaluran KUR BRI tergolong efektif berdasarkan tiga indikator teori efektivitas Steers, yaitu pencapaian tujuan, integrasi, dan adaptasi. Efektivitas program ditentukan secara simultan oleh stabilitas regulasi, kesiapan sistem operasional perbankan, dan kapasitas administratif UMKM sebagai penerima kredit.
Gen Z and Tolerance: How Young People Maintain Peace in the Digital World Nazira Maulidia Nasution; Andina Febriana Lubis; Lilis Febiola; Sugianto
Aimmah: Social Sciences Journal Vol. 2 No. 2 (2026)
Publisher : Konsultan Jurnal Ilmiah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63738/aimmah.v2i2.34

Abstract

This article aims to analyze the contribution of Generation Z in maintaining and enhancing tolerance in the digital world amid the rapid development of information technology. Generation Z, as a group born and raised in a digital environment, holds an important position in shaping patterns of social interaction on the internet. This study employs a qualitative approach using a literature review method to examine Generation Z’s tolerant behavior, perspectives on tolerance from an Islamic viewpoint, various practices of tolerance, the challenges faced, and strategies for strengthening tolerance based on Islamic values. The findings show that Generation Z tends to be open to various differences, yet is also vulnerable to negative impacts from content such as hate speech and misinformation. From an Islamic perspective, tolerance is an essential element of the concept of rahmatan lil ‘alamin, which emphasizes the importance of mutual respect in diversity. The implementation of tolerance among Generation Z in the digital sphere can be seen in various forms, including the dissemination of counter-hate narratives, the application of value-based digital literacy, inter-identity collaboration, reporting intolerant content, and the use of more inclusive language. However, several challenges persist, such as the phenomenon of echo chambers, user anonymity, and low levels of digital literacy. To address these issues, strengthening efforts are needed through the integration of religious education and digital literacy, the optimization of moderate public figures’ roles, the creation of open digital communities, and the application of moderation principles in religious practices. In this way, Generation Z has great potential to act as agents of peace in creating a harmonious, inclusive, and ethical digital space.
Co-Authors Agustian Sinambela Andina Febriana Lubis Chesia Rika Adrilia Br Sitepu Heny Desiana Simangunsong Nasrullah Hidayat Nazira Maulidia Nasution Nazwa Aulia Putri Sahira Annaba Lubis Sugianto Syarah Safira Husna