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Vina Ramaadhianti; Wafiyyah Septiwidya; Juwainah Juwainah; Anditha Wanda Salsabila; Avriliani Dwi Septianay +1 more

Student Scientific Creativity Journal 2023 Pusat Riset dan Inovasi Nasional

Previous research or relevant research is very important in a research or scientific article. Previous research serves to strengthen the theory and phenomenon of the relationship or influence between returns on assets. This article reviews the factors that influence the current ratio, debt equity ratio, and debt asset ratio in an introductory financial management literature study. This study aims to analyze the factors that influence the disclosure of Return on Assets, namely: current ratio, debt equity ratio, debt-asset ratio, and working capital turnover. Samples were selected using purposive sampling method and samples that met the criteria. This study uses the classical assumption test, model feasibility test, multiple regression analysis and statistical t test. These results indicate that the variable current ratio and debt equity ratio have an effect on return on assets, while the debt-asset ratio and working capital turnover variable have no effect on return on assets.

Wiwit Rohaeni Yulianti

Jurnal Penelitian Manajemen dan Inovasi Riset 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to determine and analyze the effect of financial literacy and parental socialization both simultaneously and partially on the interest in saving at the Bank in students of the Management Study Program of Bina Sarana Informatika University. This research method uses a quantitative approach with multiple linear regression analysis techniques processed using SPSS version 25. The data collection technique is by distributing questionnaires to 100 students as respondents through google forms. The results showed that financial literacy and parental socialization had a significant influence on interest in saving at the Bank. Simultaneously, financial literacy and parental socialization have a positive and significant effect on the interest in saving at the Bank in Management study program students of Bina Sarana Informatika University.

Muhammad Faiz Subhanulfikri; Ratih Mukti Azhar

Karunia: Jurnal Hasil Pengabdian Masyarakat Indonesia 2023 Fakultas Teknik Universitas Maritim AMNI Semarang

Businesses that are recognized by society and the government are businesses that have legality because legality is the most important element in a business and is also an identity that legalizes or legalizes a business entity. The problem that will be faced in this dedication to the community is a lack of insight and views on the legality of business, especially in MSMEs. The majority of people in Kedungdalem Village, Dringu District, Probolinggo Regency, are micro, small and medium businesses such as chip businesses, herbal medicine businesses, catering businesses, cooking spices, wet snacks, pastries, and other businesses. The purpose of this service activity is to provide business legality socialization for MSMEs in Kedungdalem Village. The activity implementation technique consists of several levels, namely preparation, implementation, and evaluation. The results of community service activities are that business actors experience an increased understanding of business legality, the benefits of business legality, the consequences of not having business legality, and also business actors having a Business Identification Number (NIB)..

Dewi Agustina; Ade Fitri Arianti; Bunga Elvyan Br. Damanik; Istikhoma Rambe; Rehana Nugraha B. Sitorus

Jurnal Rumpun Ilmu Kesehatan 2023 Pusat Riset dan Inovasi Nasional

Sarana prasarana adalah segala sesuatu yang dapat dipakai sebagai alat  dalam  mencapai maksud  dan tujuan. Sarana  prasarana  pelayanan kesehatan adalah sarana prasarana yang menyediakan bentuk pelayanan yang sifatnya lebih luas daripada bidang  klinik,  yaitu bersifat promotif, preventif dan rehabilitative. Ketersediaan fasilitas pelayanan kesehatan, personalia puskesmas atau sumber daya dapat mempengaruhi perilaku. Tujuan penelitian: Penelitian ini bertujuan untuk mengetahui ketersediaan tenaga kesehatan yang ada di puskesmas guna berlangsung baiknya suatu pelayanan kesehatan. Metode penelitian: Penulisan artikel ini menggunakan metode pencarian artikel menggunakan dua database, yaitu Google Scholar dan PubMed Kesehatan dengan kata kunci sumber daya manusia, personalia puskesmas dan peran kinerja. Hasil: Kepuasan pasien terhadap pelayanan kesehatan yang berkualitas dianggap masyarakat sebagai profesionalisme kerja oleh seorang tenaga kesehatan. Tuntutan masyarakat akan terpenuhi jika pemberi layanan memiliki propesionalisme yang tinggi dan mampu mempertahankan citra dan kinerja yang memenuhi standar pelayanan. Disiplin kerja juga mempunyai kontribusi terhadap kualitas pelayanan keperawatan yang pada akhirnya berdampak pada produktivitas kerjanya.Tanpa ada dukungan disiplin yang tinggi dari karyawan, perusahaan atau organisasi sulit untuk mewujudkan tujuan yang ingin dicapai. Kesimpulan: Produktivitas suatu organisasi dipengaruhi oleh banyak faktor antara lain disiplin dan karakteristik individu. Produktivitas layanan kesehatan puskesmas juga ditentukan oleh kualitas sumber daya manusia (SDM)/personalia yang dimiliki.

Astuti, Yuni; Anggarawati, Tuti

Jurnal Pengabdian Kepada Masyarakat Sisthana 2023 Stikes Kesdam IV/Diponegoro Semarang, Indonesia

Stunting merupakan masalah kesehatan masyarakat terutama pada negara yang sedang berkembang dan penghasilan rendah sampai menengah. Stunting saat ini termasuk masalah gizi kronis yang terdapat di negara Indonesia dan selalu dikaitkan dengan keadaan kurang gizi kronik atau kegagalan dalam pertumbuhan. Stunting dapat mengakibatkan gangguan perkembangan kognitif, motorik, bahasa serta dapat meningkatkan mortalitas dan morbiditas. Di samping itu juga dapat penurunan kemampuan fungsi kognitif, rendahnya prestasi belajar, dan juga imunitas lemah sehingga rentan terhadap penyakit infeksi.  Tingkat kesadaran masyarakat merupakan tantangan terbesar dalam upaya pencegahan stunting terutama ibu hamil. Ibu hamil yang mempunyai pengetahuan baik tentang pencegahan stunting akan memperhatikan asupan gizi selama masa kehamilan. Dari hasil paparan perlu dilakukan pengabdian masyarakat “IbM pemberdayaan keluarga dengan ibu hamil untuk pencegahan stunting melalui paket ESiD (Edukasi, Simulasi, Diskusi)”. Kegiatan ini terdiri dari edukasi, simulasi, diskusi, serta monitoring. Target luaran berupa tercapainya pemberdayaan masyarakat dan meningkatnya pengetahuan keluarga dengan ibu hamil, terpublikasinya hasil pengabdian masyarakat di jurnal nasional, serta media elektronik.

mariyati; Arifianto; Menik; Nur, Dwi

Jurnal Pengabdian Kepada Masyarakat Sisthana 2023 Stikes Kesdam IV/Diponegoro Semarang, Indonesia

Remaja merupakan masa peralihan dari anak-anak menuju dewasa. Masa remaja sering disebut masa terlabil, di mana seorang anak berusaha mencari jati dirinya. Posyandu remaja diperlukan untuk meningkatkan pelayanan kesehatan mental remaja dan optimalisasi psychological first aid (PFA). Posyandu kesehatan jiwa remaja merupakan salah satu kegiatan berbasis kesehatan masyarakat khusus remaja, untuk memantau dan melibatkan mereka demi peningkatan kesehatan dan keterampilan hidup sehat secara berkesinambungan. Tujuan program kemitraan masyarakat ini meningkatkan pengetahuan dan ketrampilan karangtaruna dalam melakukan pemantauan kesehatan jiwa khususnya remaja. Metode pelaksanaan kegiatan program kemitraan masyarakat melalui ceramah, diskusi dan demonstrasi tentang pelaksanaan sistem 5 meja posyandu kesehatan jiwa remaja. Kegiatan lima meja posyandu kesehatan jiwa antara lain meja satu: pendaftaran dan pemantauan kesehatan fisik, meja dua: pemantauan gejala, pemberian terapi psikofarmaka, vitamin, dan penambahan nutrisi, meja tiga: pengendalian gejala oleh perawat, meja empat: peningkatan ketrampilan perawatan diri, meja lima: peningkatan ketrampilan hidup sehari- hari dan produktivitas). Program Kemitraan Masyarakat ini dilaksanakan melalui beberapa tahap: sosialisasi, pelaksanaan, dan evaluasi. Sasaran sosialisasi adalah pengurus karangtaruna kelurahan tambakharjo yang diikuti oleh 7 orang, pelaksanaan posyandu melibatkan pengurus karangtaruna dan dihadiri oleh 18 remaja. Hasil pelaksanaan Posyandu deteksi kesehatan mental dengan SRQ sebelum Posyandu 9 mengalami gangguan mental emosional menjadi 4 remaja setelah posyandu. Selanjutnya dilaksanakan Pendidikan Kesehatan tentang kesehatan mental remaja dan praktik cara mengatasi stres.

Asiah, Nur

Jurnal Faidatuna 2023 STAI Denpasar Bali

Penelitian ini bertujuan untuk mengetahui gaya mengajar guru pendidikan agama Islam di SMK Negeri 4 Kota Serang, untuk mengetahui hasil belajar siswa di SMK Negeri 4 Kota Serang, untuk mengetahui ada tidaknya hubungan antara gaya mengajar guru dengan hasil belajar siswa. Metode yang digunakan dalam penelitian ini adalah metode deskriptif korelasional dengan pendekatan kuantitatif dan teknik pengumpulan data dalam penelitian ini menggunakan angket (quesioner) dan tes (pilihan gana). Kesimpulan yang diperoleh dari hasil analisis korelasi antara variabel X dengan variabel Y yang menunjukkan bahwa indeks koefisien korelasi (rxy) = 0,660 setelah dikonsultasikan dengan tabel interpretasi “r” product moment diketahui bahwa angket “r” antara (0,40- 0,70) yang interpretasinya ialah antara variabel X dengan ariabel Y terdapat korelasi yang sedang, selanjutnya nilai 0,660 dikonsultasikan pada rtabel dengan N= 36 dan taraf signifikan 5% (0,05) sehingga didapat nilai rtabel sebesar 0,329 atau dapat dinyatakan bahwa rhitung> rtabel. Adapun konstribusi  variabel X terhadap variabel Y dengan menggunakan koefisien determinasi (CD) ialah 43,56% sedangkan sisanya sebesar 56,44% dipengaruhi oleh variabel lain yang diperlukan penelitian lebih lanjut.

Ellisa Adelia; Rizky Dermawan

Jurnal Bintang Manajemen (JUBIMA) 2023 Pusat Riset dan Inovasi Nasional

Socialization is a very useful thing in raising and conveying positive values to individuals, the socialization process is education through individual understanding and acceptance of the connections that occur in an activity that can provide input and output feedback. Learning from the monetary crisis that occurred in Indonesia in 1997-1998 which was marked by the decline in the joints of the economy caused by the rupiah exchange rate falling or dropping drastically against the dollar exchange rate. In 1998 many big entrepreneurs fell in Indonesia, but MSMEs were still able to survive and even increased in number. In this way, UMKM contribute to supporting the economy of a country so that the existence of UMKM is highly expected in the development and progress of the country's economy and is able to absorb the number of unemployed. In this background, MSMEs can be used as a part in expanding employment opportunities, play a role in the formation of the Gross Domestic Product (GDP) and increase foreign exchange earnings for the country of Indonesia because its market can reach national to international. Bareng Village, Bareng District, Jombang Regency is an agricultural producing village in the form of rice, corn, sugar cane, soybeans, vegetables, chilies and others. The livelihoods of the majority of the population are farmers, self-employed, and partly in the government. UMKM problems often occur due to capital problems and licensing matters, the Business Identification Number (NIB) is the identity of a business license issued by the "Online Single Submission (OSS)" agency, helping to fulfill the legal and administrative aspects of UMKM and providing advantages in funding. Then the socialization and technical guidance was carried out by Group 1, then the output of the socialization was to help UMKM actors in the Village with the method of opening a post at the Village Hall/Village Office and the door to door method or direct permits to the homes of UMKM actors. At the same time creating a logo that is useful in brand equity as trustworthiness with the product name and symbol, providing additional value to a product. The direction of the arrow as a direction for the location has the aim of providing instructions for potential consumers and customers to find homes for UMKM actors to get products or order products.

Oktavia Pramasta Sari; Jojok Dwiridotjahtjono

Jurnal Pengabdian Masyarakat Nusantara (Pengabmas Nusantara) 2023 Universitas Muhammadiyah Manado

Real Work Lecture (KKN) is a form of service carried out by students by being directly involved in the community and in these activities students are faced with various problems that exist in society so that students must be able to solve these problems. In this KKN activity it was carried out in Blitar City to be precise in the Kauman Village. One of the MSMEs in Kauman Village named Es Cendol "Sueger" was the target for this KKN activity. In these MSME there are problems with product marketing factors. Thus, the purpose of this KKN activity is to plan a marketing strategy for MSMEs so that these MSMEs grow rapidly. The research method used is qualitative in nature with the type of data collection through observation, interviews, and documentation of activities with MSME owners. The result of this KKN activity is the development of marketing of MSME products.

Tegar Satria Adi; Ira Wikartika

Jurnal Pengabdian Masyarakat Nusantara (Pengabmas Nusantara) 2023 Universitas Muhammadiyah Manado

Sumberjo Village as a tourist village that is rich in natural resources, ultimately encourages the formation of various kinds of MSMEs. However, until now, the knowledge of MSMEs regarding the use of social media and digital marketing is still considered lacking. Some MSMEs still apply conventional methods in marketing so that the profits and market reach they get are not optimal. The purpose of this activity is to provide understanding to MSME actors in Sumberjo Village about digital marketing procedures to help MSME players expand their market so they can compete with competitors. This activity was carried out through door-to-door socialization with several stages of the method including observation and interviews, lectures and discussions, as well as demonstrasions and practices. Communities need to be equipped with the basics and equipped with knowledge of the use of digital marketing so that development and increased sales can be realized as well as expectations as an MSME-friendly tourist village.

Mariela Susana Leta; Zaenal Wafa

jurnal ABDIMAS Indonesia 2023 STIKes Ibnu Sina Ajibarang

Service activities are carried out to help MSMEs in the service industry called Kori salon by making Kori salon financial reports, Kori salon financial reports are made irregularly and documented manually every day as part of its business procedures. The inability of Kori salon owners to handle bookkeeping reports is the main cause. To support MSME beauty salon businesses, it is necessary to provide training and assistance in preparing financial reports. The method used in this study is the direct support approach used in this effort to assist partners in compiling financial reports using the Bukuwarung program until it is successfully practiced. It is considered successful when partners are able to distinguish between the two states before and after receiving support. Partners recognize the value of accurately recording financial statements in the books based on the results of their actions. This exercise impacts revenue, expense and income statement accounts as well as knowledge partners and also impacts the financial statements that will be prepared in the coming year.

Alyaa’ Chiquita Fairuzara A. R.; Kezia Angelin Patricia; Nathania Trixie Aryanti

jurnal ABDIMAS Indonesia 2023 STIKes Ibnu Sina Ajibarang

The problem faced by the village community is the lack of knowledge about the existing tourism potential, this causes the existing tourism potential to not develop and causes the environment around this tourism potential to be neglected. Because the community lacks concern for existing tourism potential because there is no attraction from tourism potential so that village communities to promote existing tourism potential are lacking. Making tourist attractions in the form of photo spots as a form of tourism village development, is carried out using the participation and socialization approach to the community, through the creation of photo spots which were inaugurated during the "Mlaku Together, Healthy Together" Walk activity. This activity was created as a forum to gather the community, village government, and stakeholders on the Embung Sumberagung tourist attraction. The implementation of developing the tourism potential of the Sumberagung Reservoir began with conducting a survey of the Embung tourist attractions to find out what attractions could be placed in the tourist area, through the survey that had been conducted it was decided that the tourist attraction that could be placed in the Embung area was a Photo Spot. After it was decided to make a photo spot to fulfill the tourist attraction, permission was then given to village officials regarding this photo spot. Revitalization was carried out by adding a photo spot area, installing a sign system, and making trash cans in the area around the reservoir. Photo spots are made with bamboo frames and have a background in the form of a pond view. The sign system is made using wood and iron materials, as a pointer to the location of the reservoir and also as a marker to help maintain environmental cleanliness.

Nafa Amalina; Arief Bachtiar; Kiky Asmara

Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah (JUPIEKES) 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

Baduta batik Blitar is an MSME that sells batik handicraft products. Barik itself is a work of a nation that is well known abroad. The batik craft center itself is a cultural tour that is visited by many domestic and foreign tourists. Almost every region in Indonesia has batik craft centers, especially in Java and its surroundings. UMKM Batik Baduta Blitar has been built since 2009, but UMKM Baduta has obstacles in carrying out digital marketing, which causes Batik Baduta Blitar customers to complain about the lack of information from Batik Baduta Blitar writing on Batik Baduta Blitar's social media. The application of digital marketing is carried out with the stages of literacy, training and development then application of programs that are in accordance with the conditions of the Baduta batik group. The results of this study are that with this problem the solution that can be applied is to create an online marketing strategy that includes digital marketing strategies, social media content, and copy writing. The existence of this online marketing strategy can make Batik Baduta Blitar MSMEs able to carry out marketing effectively and efficiently.

Nadhifatul Azizah Putri Bachtiar; Kustini Kustini; Ruthyanti Manihuruk; Sukma Alexander Putri

Jurnal Pengabdian Masyarakat Indonesia Sejahtera 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

Micro, Small and Medium Enterprises (MSMEs) which are active in the world of handicrafts in the Sentul Village area are one of the community service partners. Through changes in the 4.0 revolution which is accompanied by changes in digitalization through the development of technology and information. Adaptation of changes to MSMEs is also needed in the modernization of digitalization by implementing various innovations. The existence of innovation from various technologies and information is what helps MSMEs to keep moving in increasing consumers, namely with digital marketing. The method used in community service activities in the Sentul sub-district is a qualitative approach as well as the socialization and implementation of MSMEs assistance. The results of this activity are services in creating business accounts on digital media such as Instagram, Tiktok, shopee accounts, with optimal management of digital media, as well as making product photos.

Ramdani Bayu Putra; Annisa Syarah; Fitri cintia; Inka Februslita; Rosi Nifrianti

Jurnal Pengabdian Masyarakat Indonesia Sejahtera 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

Perkembangan bisnis untuk industry makanan sangatlah pesat. Hal tersebut ditandai dengan menjamurnya berbagai macam produsen makana cepat saji di Indonesia. Para produsen seolah ingin berlomba untuk menghadirkan produk unggulan yang dapat memenuhi keinginan dari para konsumen.Berbagai macam pola pengembangan produk telah dilakukan,namun usaha tersebut dirasakan belum terlalu sesuai dengan ekspetasi perusahaan karena tidak mampu meningkatkan omset penjualan. Hal tersebut ditengarai karena pola pengembangan yang telah dilakukan,tidak sesuai dengan prefensi konsumen sehingga tidak mampu memenuhi keinginan konsumen. Kesimpulan artikel bisnis ini menunjukan bahwa untuk memiliki kebab yang baik dan dapat bersaing,harus memiliki ciri khas khusus agar para konsumen tertarik dengan produk yang kita jual.Kebab harus memiliki kualitas yang baik sehingga konsumen juga tertarik untuk mencicipi kebab 3ini. Dimana produk ideal yang sesuai dengan prefensi konsumen untuk pengembangan kebab Abud’s adalah kebab yang isian daging dan menggunakan mayonise yang diolah sendiri oleh produsen, dengan ukuran kebab sebesar 20 cm serta harga jual sebesar 12.000 hingga 15.000.k

Rizky Ramadhani; Rahman Amrullah Suwaidi

Jurnal Pengabdian Masyarakat Indonesia Sejahtera 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

UMKM must be able to face global challenges, increase product and service innovation. UMKM are the economic sector that absorbs the largest workforce in Indonesia. Gedog Village needs technology in the midst of globalization. Most of the problems faced are product marketing and their lack of human resource knowledge. The Thematic 31 KKN group aims to take part in imparting the knowledge that we have to impart to them so that the business being run can develop so that the coffers of income will increase and be able to recruit new workers. Assistance to the UMKM sector in Gedog Village needs to be given socialization about what to do and provide examples of action. In the data collection process, three methods were carried out, namely interviews, document studies, and questionnaires.

Ratna Melinda Putri; Eko Purwanto

Jurnal Pengabdian Masyarakat Indonesia Sejahtera 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

UMKM Cendol Sueger is a Micro, Small and Medium Enterprises (UMKM) engaged in the business of cendol production drinks located in the Kauman sub-district, Kepanjen Kidul District, Blitar City. The problem faced by Cendol Sueger SMEs is that their marketing activities are still very minimal and traditional. For this reason, it is necessary to provide training on the importance of implementing digital marketing so that the marketing system can be better so that it can expand the scope of its business targets and can support even better sales activities. The purpose of this research is to apply digital marketing to improve the marketing strategy of Cendol Sueger SMEs. Some of the digital e-commerce and social media used are grab, website, and Instagram accounts. The results of the study show that Cendol Seger MSMEs now understand and are able to create accounts, manage and utilize social media to expand their marketing reach online so that they can improve marketing strategies and sales results for Cendol Sueger MSMEs.

Putri Kurniawati; Ririt Iriani Sri S; Mohammad Wahed

Jurnal Pengabdian Masyarakat Indonesia Sejahtera 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

In developing Micro, Small, and Medium Enterprises (MSMEs) it is necessary to have a strategy in marketing its products that aims to increase competitiveness and increase in business development, one of which is through branding so that it has its own distinctive characteristics when compared to MSMEs whose businesses are the same and can also be recognized wider by society. This service aims to provide reinforcement to the community's creative industries (MSMEs) in the Sentul area, Kepanjenkidul District, Blitar City regarding marketing strategies through product branding and design. The methods used in this service activity are direct presentations, discussions, and mentoring. Strengthening this marketing strategy was carried out for three days which coincided at the D&D Handycraft UMKM Shop which was witnessed by the shop owner. For the smooth running of this community service activity, the East Java "Veteran" UPN KKN team made a presentation of material in the form of a PowerPoint which discussed general product branding and design using the Canva application and prepared a tool, namely a camera to take product photos.

Devi Khoiriyah; Jojok Dwiridotjahjono

Jurnal Pengabdian Masyarakat Indonesia Sejahtera 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

Catering "Miss Tote" is one of the MSMEs located in Kepanjen Kidul Village, Kepanjen Kidul District, Blitar City. In today's modern era, the catering business is faced with problems related to technology and digitalization. The implementation of community service aims to optimize product marketing through the use of the Canva application as a branding medium and mentoring the use of Instagram social media to expand customer reach and introduce products to potential customers. The method used is a case study with a qualitative approach, the data obtained from interviews with the owner of the MSMEs Catering "Miss Tote" and observations of marketing that has been done and documentation during the implementation process. The results of the study show that the "Miss Tote" MSMEs has marketing potential that has not been optimized, therefore students contribute to making logos, banners, catalogs and brochures as media branding of the "Miss Tote" MSMEs. Implementing a marketing strategy using Canva can have a positive impact such as building a strong brand image so that it can increase customer trust and become the hallmark of a business.

Uswatun Chasanah

Journal of Management and Social Sciences 2023 CV. Aksara Global Akademia

Penelitian ini bertujuan menganalisis manajemen risiko pada pembiayaan kafalah haji pada KSPPS yang dalam praktiknya sering dikombinasikan dengan akad qardh sebagai dana talangan setoran awal haji. Karakter multiakad tersebut menimbulkan kompleksitas risiko yang tidak hanya bersifat finansial, tetapi juga mencakup aspek operasional dan kepatuhan syariah. Penelitian ini menggunakan pendekatan kualitatif dengan metode kajian pustaka terhadap regulasi, standar manajemen risiko, serta fatwa syariah yang relevan. Hasil analisis menunjukkan bahwa risiko utama dalam pembiayaan kafalah haji meliputi risiko kredit akibat potensi gagal bayar anggota, risiko likuiditas karena ketidaksesuaian arus kas, risiko operasional yang berkaitan dengan kelemahan sistem dan administrasi multiakad, serta risiko kepatuhan syariah terkait struktur ujrah dan pemisahan akad. Pengelolaan risiko perlu mengacu pada prinsip kehati-hatian sebagaimana diatur oleh Otoritas Jasa Keuangan dan standar internasional dari IFSB, serta memastikan kepatuhan terhadap fatwa DSN MUI. Penelitian ini menyimpulkan bahwa penerapan manajemen risiko yang komprehensif meliputi identifikasi, pengukuran, mitigasi, dan monitoring menjadi kunci dalam menjaga stabilitas keuangan lembaga serta integritas syariah produk pembiayaan haji.