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The COVID-19 pandemic has presented multidimensional challenges for Indonesia, requiring holistic government policies to maintain public health and restore the economy. This journal aims to formulate effective and sustainable government regulatory policies since the pandemic until the present. On the economic recovery side, this policy includes direct financial assistance to workers and MSMEs, as well as ease of financing to encourage economic growth. Increasing investment is a key strategy with the formation of an investment coordination team. Regular monitoring and evaluation will be implemented through a real-time reporting system to ensure policy effectiveness. This research uses quantitative methods with a cross sectional design. The sampling technique in this research is incidental sampling. It is hoped that this journal can become a basis for the government and related stakeholders in formulating policies that are adaptive and responsive to changing pandemic conditions. With joint support, it is hoped that Indonesia can move towards a sustainable and resilient recovery through measurable and well-planned policies.

This study aims to analyze the role of Islamic microfinance institutions in developing micro and small businesses in Indonesia through the distribution of funds based on sharia principles. The method used is a literature review to identify how Islamic financing schemes, such as mudharabah and musyarakah, contribute to increasing access to capital for small business actors. The results of the study show that Islamic microfinance institutions provide more inclusive and fair financing and business assistance and management of social funds such as zakat, infaq, and sedekah. This supports the growth of micro and small businesses and improves the community's economic welfare. However, several challenges remain, such as low Islamic financial literacy and limited capital. Therefore, this study recommends the need for innovation in Islamic financial technology and increased public education to expand the reach and effectiveness of Islamic financial services for micro and small businesses.

This research aims to determine the legal protection for creditors if the fiduciary guarantee deed is not registered by a notary, and the legal implications if the fiduciary guarantee is not registered by a notary. The method used in this research uses the Juridical Sociology method.The results of the research show that a fiduciary agreement which makes the object of collateral (in the form of objects) in a subsidiary agreement (acessoir) of the main agreement has weak legal protection for creditors if the agreement is not registered by a Notary through the Fiduciary Guarantee Institute, as stipulated in the Law Number 42 of 1999 concerning Fiduciary Guarantees. The legal implications for creditors' rights because they do not comply with the principle of publicity as per the applicable consensus, in this case is Law Number 42 of 1999 concerning Fiduciary Guarantees which regulates Preferential Rights and Executorial Rights.For the implementation of financing by making objects into objects, an agreement process should be carried out in accordance with the Fiduciary Guarantee consensus by referring to Law Number 42 of 1999, by fulfilling the principle of publicity as the main legal principle in material guarantee law.

This research is based on the devolment of Syapab banking in the digital era. The aim this research is to analyze the devilment of sharia banking in the digital era. This research investigates the development and introduction of Islamic banks in the digital era, which is expected to help people without having to go the bank. This research uses library research methods, wich use data sources collected from books information technology-based financing services will be very helpful in increasing public  services,access to information has become faster and easier and can accesed anytime and anywhere.

Islamic Religious Education is considered the main pillar in shaping the character of Muslims; however, in the era of globalization, entrepreneurship has become essential. The integration of entrepreneurship enables students to connect religious values with the real world, develop self-potential, and become agents of positive change. Inclusive management of Islamic religious education towards entrepreneurship is not only a necessity but also a challenge to create innovative curricula. This study employs a qualitative descriptive method through a literature review approach to examine the management of education and entrepreneurship in Islamic religious education. The goal of Islamic Religious Education is to shape individuals with profound knowledge of Islamic teachings, capable of applying them in daily life, fostering love and obedience to Allah SWT, imparting Islamic values and ethics, and encouraging critical, analytical skills, and entrepreneurial spirit. Entrepreneurship in Islamic religious education aims to mold a younger generation of Muslims who can become successful entrepreneurs and are morally and ethically responsible. The integration of entrepreneurship involves teaching entrepreneurial values and principles, as well as developing entrepreneurial skills such as creativity and management. A conducive environment for entrepreneurship, including the empowerment of micro, small, and medium-sized enterprises (UMKM), training, mentoring, access to financing, and incentives for entrepreneurs, is deemed essential. By integrating entrepreneurship into Islamic religious education, it is expected that students can prepare themselves to face the challenges of the job market and contribute to the welfare of society.

The aim of this thesis is to determine the influence of service quality on customer satisfaction with People's Business Credit (KUR) financing at Bank Syariah Indonesia Sub-Branch Office (KCP) Paser Tanah Grogot. Based on the Validity Test which contains 26 statement items, it is declared valid, because rcount > rtable, with an rtable value of 0.3120. The results of the Reliability Test which contains 26 statement items are declared reliable, because the Cronbach alpha value is greater than 0.6 then the Multiple Linear Regression Equation which contains the value of each variable is Y = 1.488 - 0.001X1 + 0.313X2 - 0.035X3 - 0.216X4 + 0.560X5. Based on the Correlation Coefficient Test (R), it shows a value of 0.760 and is in the Coefficient interval 0.60 – 0.799, which means there is a strong influence between Direct Evidence (X1), Reliability (X2), Responsiveness (X3), Assurance (X4) and Empathy (X5) on KUR Financing Customer Satisfaction (Y). The results of the Adjusted R Square Determination Coefficient (R2a) show a value of 0.515 or 51.5%, which means that Direct Evidence (X1), Reliability (X2), Responsiveness (X3), Assurance (X4) and Empathy (X5) provide a percentage contribution or the contribution that influences the KUR Financing Customer Satisfaction variable (Y) at Bank Syariah Indonesia KCP Paser Tanah Grogot is 51.5% while the remaining 48.5% is contributed by other variables not included in this research. The results of the F test calculation analysis (simultaneous) obtained an Fcount value of 9.295 and Ftable using a significance level of 0.000 while the Ftable value was 2.49. So Fcount is 9.295 > Ftable value is 2.49 and the hypothesis test is accepted because there is a significant influence on KUR Financing Customer Satisfaction. The results of the t test calculation analysis show that the t value of the Reliability variable (X2) is 3.341 with a significant level of 0.002, Empathy (X5) is 4.017 with a significant level of 0.000 which has an influence on KUR Financing Customer Satisfaction (Y). Meanwhile, the t-calculated value of Direct Evidence (X1) is -0.007 with a significant level of 0.995, Responsiveness (X3) is -0.187 with a significant level of 0.853, and Guarantee (X4) is -1.819 with a significant level of 0.078 and has no effect on KUR Financing Customer Satisfaction (Y). Based on the calculations above, the Empathy variable (X5) has a dominant influence on KUR Financing Customer Satisfaction (Y) with a t value of 4.017 with a significance level of 0.000. Thus, the second hypothesis in Chapter II which states that the Guarantee variable (X4) has a dominant influence on KUR Financing Customer Satisfaction (Y) is not proven correct (H0 is accepted Ha is rejected).

Financial management must start from household management first because household financial management is already good, this will advance Micro, Small and Medium Enterprises (MSMEs) because society already has a basis for keeping financial records. The service aims to help and analyze and provides solutions to sources of business financing funds and provides new insights into accounting and digital financial technology that can be implemented into simple financial bookkeeping for households and MSMEs. Financial planning in the household can be done by identifying financial conditions (what assets we own and has the potential for great value in the future), determines desires, determines main desires. When determining your desires, you need to do three things, namely making all the desires you want to achieve now and in the future, what you want and what you need, writing down the funds needed and the time to achieve them. The next step is to determine the main desires. Practical financial management strategies that need to be implemented by MSME players are as follows: (1) administering receivables, (2) administering accounts payable, (3) administering inventory, which has a strategic role for both businesses operating in trade sector. (4) Cash administration, useful in providing information about the amount of cash coming in and cash going out.

This research was carried out at PT. BPRS Washliyah Medan. The aim of this research is to understand the murabahah financing system and process implemented by PT. BPRS Al-Washliyah Medan. Murabahah financing is a sale and purchase agreement for goods stating the acquisition price and profit agreed upon by the seller whose role in this case is the Bank and the buyer whose role is the customer/prospective customer for the customer's needs, with the flavone given Rp. 25,000,000 to Rp. 250,000,000. The principles of Murabahah financing are based on Islamic sharia and established legal provisions. Murabahah financing has apparently received a lot of responses from the public and business entities, but not many people and business entities understand the procedures for obtaining murabahah financing, even though marketing has been carried out by PT. SRB Washliya.

The purpose of this research is to analyse the liability of farmers who make defaults on savings and loan agreements at KSP Kopdit Pintu Air Lembor branch. The type of research used by the author is Empirical Legal research, the type of data used in this research is qualitative data. The data used in the research based on the relevance of the source data, namely primary and secondary data. The results of this study are that the reasons for the default of farmers on savings and loan agreements at KSP Kopdit Pintu Air Lembor Branch as follows are reduced rice yields and crop failure. The existence of traditional events such as marriage, death and school parties. Income is divided due to financing the education of their children and financing sick families. Farmers borrow from local businesses and communities. Farmers are members of other cooperatives and make loans. Government programmes to improve irrigation have caused farmers not to plant rice. Liability for default by Farmers on savings and loan agreements, namely continuing to pay principal + interest + dues every month and Farmers can repay loans in the form of as much as the member or Farmer can pay or repay the loan and Farmers continue to pay monthly even though only to cover the interest.

Mengelola keuangan merupakan suatu proses pengaturan keuangan dalam suatu bisnis. Di dalamnya termasuk kegiatan perencanaan, analisis, serta pengendalian terhadap kegiatan keuangan. Komponen  Laporan Keuangan meliputi Laporan Laba Rugi, Neraca,  Laporan Harian dan Laporan Arus Kas. Bagi pelaku usaha pengelolaan keuangan sangat penting setidaknya untuk mengetahui beberapa hal. Pertama, kegiatan pendanaan (financing). Bagian ini mengatur bagaimana cara memperoleh dana yang efisien. Kedua, investasi yakni memikirkan bidang-bidang investasi mana saja yang paling menguntungkan untuk menanamkan dana yang terkumpul dalam usaha, dan ketiga kegiatan mengukur keberhasilan usaha/bisnis, keuangan mana saja yang dapat ditarik sebagai bagian keuntungan dan mana yang perlu untuk diinvestasikan atau dibelanjakan lagi.

The Entrepreneurial Student Development Program (P2MW) is a program to strengthen the entrepreneurial ecosystem in higher education institutions held by the Directorate of Learning and Student Affairs (Belmawa) and the Directorate General of Higher Education, Research and Technology of the Republic of Indonesia (Ditjen Diktristek RI). This P2MW activity provides opportunities for students who already have business ideas to become entrepreneurs, by providing support through financing, development and coaching. This program has stages of selection and training (coaching) which are expected to have a positive impact on students starting to develop their knowledge and skills in becoming entrepreneurs. Students at the University of 17 August 1945 Surabaya have the opportunity to take part in this program with an innovative effort to use coconut tree waste to make high-value coconut bonsai ornamental plants based on Sociopreneurship to also support the government in the G20 Presidency program and have the same goals as several SGDS points. This P2MW is located on the 17 August 1945 Surabaya University campus as the beginning of the process of creating and developing innovative designs which will then be competed at the KMI EXPO 2023 National level which is located at Undiksha Bali.

This study examines the implementation of the marketing strategy for Sharia KPR Bank Muamalat Stabat Branch and the challenges it faces. In this study, primary and secondary data from interviews, observations, and documentation were used in descriptive analysis techniques. The results of the study show that Bank Muamalat disseminates information through various mass media, both print (daily newspapers and magazines) and electronic (radio and television). Billboards, a type of outdoor advertising used by Bank Muamalat, are seen as a good tool to promote outreach.

This study aims to determine the budget as one of the performance control tools at the Regional Finance and Asset Management Agency (BPKAD) of North Sumatra Province, Medan City. The data collection techniques used were interviews and documentation. The types of data used are quantitative data and qualitative data. The source of data used in this study is secondary data, in the form of Regional Budget Realization Reports. The analysis method used is a comparative descriptive analysis method, namely by comparing the budget with realization in various sources of financing using variance analysis. The results showed that there were irregularities in excess funds of 68.41%, 69.96%, 99.20%, and 32.52% in the budget of BPKAD Medan City for 2022. The conclusion from the analysis and realization of expenditures is that in the 2022 fiscal year, the BPKAD Medan City experienced deviations. Where deviations occur due to the budget that is not absorbed in the budget and expenditure realization. Performance control at the Medan City BPKAD for 2022 is considered good because the budget is greater than the realization in terms of budget variance and expenditure realization variance.    

This thesis is a study that examines the influence of People's Business Credit (KUR) on the development of Jelutung micro, small and medium enterprises (MSMEs) at Bank BSI Kc Gatot Subroto, Jambi City. The purpose of this thesis is to be able to find out the effect of people's business credit (KUR) on the development of MSME businesses and to be able to find out the amount of contributions made by KUR to the business development of customers of Bank Syariah Indonesia Kc Gatot Subroto Jambi City.In this study using quantitative methods with data collection techniques namely observation, questionnaires and documentation. Which is the questionnaire itself as an instrument in collecting data. Then a validity test and reliability test were carried out to ensure the accuracy of each question item in the questionnaire to be used in collecting data. After that, a classic assumption test was carried out to ensure the soundness of the data and a hypothesis test in the form of a (t) test, simple linear regression test and test for the coefficient of determination (R2).The results of this study are as follows: (1) People's Business Credit (KUR) has a significant and positive effect on customer business development as evidenced by the significance of KUR of 1.68107 > 0.05 and also the value of the simple regression results which obtains a value of 0.554 which indicates a positive number so that the influence that KUR has is good or positive on the development of the customer's business. (2) The contribution made by KUR to the development of the customer's business is 0.47.8 or 47.8% and the remaining is 0.552. Or 52.2% is influenced by variables or other factors not mentioned in this study.

This article discusses the consequences of the Covid-19 pandemic on financing and third party funds at Bank Syariah Mandiri (BSM). The focus is to highlight the obstacles faced by the Islamic banking industry due to the impact of the pandemic, as well as the need for creative and innovative strategies to accommodate change and maintain continuity. This pandemic has affected the role of sharia banking as an intermediary, especially in terms of providing credit and recovering third party funds. Bank Mandiri Syariah experienced fluctuations in financing and third party funds from January to March 2020, due to a decrease in funding demand and economic uncertainty. To face this challenge, Bank Syariah Mandiri and other sharia banking institutions are adopting operational strategies that involve digitalization and technology. Digitalization is considered a crucial step in providing banking services during the pandemic. The aim of this research is to assess the operational tactics used by sharia banks to fulfill their role as mediators during the pandemic, as well as the impact of the Covid-19 pandemic on financing and third party funds at Bank Syariah Mandiri.  

The used car showroom business conducts manual recording to document purchase transactions, sales transactions, vehicle unit financing, employee management, relying solely on the owner's memory. The risk lies in manual recording requiring significant time and attention, with possibilities of errors (duplication) in recording, loss, or damage. Hence, the utilization of information technology is necessary in managing the assets of the used car showroom and employee management, introducing a system called SIMOKAS (Sistem Informasi Manajemen Showroom Mobil Bekas). Steps in this research involve data collection, literature review, and system design. Data collection involves two approaches: interviews and observations. The applied system design method is Prototyping. System testing methods include Black Box Testing and Usability Testing. SIMOKAS testing occurred at Putra Mobil Balikpapan showroom, involving ten potential users. Based on functional testing through black box methods, SIMOKAS met requirements and functioned accordingly, managing vehicles, transactions, vehicle documents, and employees. Usability testing resulted in a total SUS score of 87.25, falling into the 'Acceptable' category for acceptability, receiving an 'A' grade on the grade scale, and being in the 'Best Imaginable' category in adjective rating. Thus, the conclusion drawn is that SIMOKAS is a system with good usability from the user's perspective.  

This research aims to examine the Factors That Influence The Development Of Market Share At Bank Bukopin Syariah For The 2018-2022 Period. The method in this research is quantitative. The data used in this research is time series data for the period 2018 to 2022. The results of this research show that there is a positive and significant influence of Return on Assets (ROA) on Market Share at Bank Bukopin Syariah. There is a positive and significant influence of the Capital Adequancy Ratio (CAR) on the Market Share at Bank Bukopin Syariah. There is a positive and significant influence of Financing To Ratio (FDR) on Market Share at Bank Bukopin Syariah. There is a positive and significant influence simultaneously between Return On Assets (ROA), Capital Adequancy Ratio (CAR) and Financing To Ratio (FDR), on the Market Share at Bank Bukopin Syariah. Based on the research results, it is best to use a sample of companies operating in industries other than manufacturing and increase the research period so that the sample size is larger so that the research results can be compared and not only limited to the manufacturing industry.

The purpose of this study is to determine the financing ability to mediate CAR, NPF and FDR on the Profitability of Sharia Commercial Banks in Indonesia. This study used a quantitative approach with secondary data types. The sample of this study is a sharia commercial bank registered with OJK for the period 2016 to 2020. By using purposive sampling, 9 Islamic banks were obtained. This study used PLS-SEM analysis. The results showed that CAR, NPF and FDR had a positive effect on profitability. While financing has no effect on profitability. This has an impact on the financing ability to mediate CAR, NPF and FDR. These three variables have not been able to be mediated by financing to profitability.

At present there are many Islamic banks that have been established and developed in Indonesia, all Islamic banks compete with each other in making their products, as well as providing the best service to the community (customers) Many products have been operated by Islamic banks, among others: ijarah financing this product is shown to serve the community (customers). And one of the Islamic banking financing products opened to serve and facilitate the many Indonesian people who use ijarah financing. The problem formulation in this study is How is the ijaroh financing mechanism at KOSPPI, How is the suitability of ijaroh financing at KOSPPI with Islamic economic law? The data analysis method used in this research is descriptive qualitative method. In this study there are two things that will be analyzed, namely the Ijarah financing procedure and sharia accounting standards. Data collection used in this research is literature study, namely by reading or taking information from scientific journals, books and also utilizing the internet as a source of information.  From the discussion above, the following conclusions can be drawn: that Islamic banking financing products based on lease contracts consist of pure leases and leases that end with the transfer of ownership rights or known as ijarah muntahiya bit tamlik. Ijarah vomia bit tamlik (IMBT) is basically a combination of leasing and buying and selling.

The purpose of this study was to determine the role of BMT Al-Islah Jambi City in empowering the MSME economy, the obstacles faced by BMT Al-Ishlah Jambi City in carrying out its role in empowering the MSME economy and the efforts made by BMT Al-Ishlah Jambi City in dealing with these obstacles. This type of research is qualitative with a descriptive approach, and the methods used in data collection are observation, interviews and documentation. The subjects in this study were the BMT and its customers. The number of subjects in this study were 10 people. The results of the study show that BMT Al-Ishlah plays a role in developing an entrepreneurial spirit for its customers. Factors that become obstacles faced are limited capital so that BMT has not been able to provide large-scale financing, lack of human resources, and financial literacy of MSMEs is still lacking because customers are only limited to recording business financial receipts and expenditures without supporting document storage. The solution provided by BMT is that we hold group meetings and continue sharing about the constraints of their business. And every week teaches making financial reports so that customers understand where money is coming in and out.