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This study aims to find out how to analyze the behavior of non-Muslim customers in choosing murabaha financing products, how to analyze the decision process of non-Muslim customers, and how cultural, social, personality and psychological factors can influence customer decisions in choosing murabaha financing products at Bank Syariah Indonesia KC. Jelutung Jambi. The method of this research is using descriptive qualitative method with primary and secondary data types. Data collection techniques in this study were observation, interviews and documentation techniques, while for data analysis the researchers used data reduction analysis, data presentation and verification. The theory used in this research is the theory put forward by Kotler & Ketler that consumer behavior is the science of how individuals, groups and organizations choose, buy and use and obtain goods, services, ideas or experiences to satisfy their wants and needs. . According to Kotlert's theory, consumer behavior is divided into four types, namely cultural, social, personality and psychological factors. In the customer decision process is divided into five steps, namely decision making, namely, recognition of needs, information search, evaluation of alternatives, buying decisions, and post-purchase evaluation. The results of the study explain that the behavior analysis of non-Muslim customers in choosing murabaha financing at Bank Syariah Indonesia KC. In Jelutung Jambi, there were three informants, namely the first informant who worked as a teacher because he was interested because of the salary slip through the bank, and chose gold installment financing because the bank could insure the gold installments, low interest rates, and cheap rates compared to pawn shops. The second informant is taking home installments because the interest rates are low compared to other banks and if you are late paying the installments you are not subject to a fine/sanction of 0.5% to 1% of the amount of the installments that the customer has to pay. The third informant is working as a teacher as well and taking education expenses for their children because the process is fast and the interest rate is low at 3.3%, while at commercial banks it is 8.93%. The fourth informant took gold installments because of the low interest rates. The fifth informant took motorbike installments because the interest rate was lower than leasing, which was 8%. From the several informants above, it can be concluded that cultural, social, personality and psychological factors can influence customer decisions in choosing murabaha financing products at Bank Syariah Indonesia KC. In Jelutung Jambi.

The banking industry is one of the businesses that relies on trust which is the main foundation of banking activities, namely confidence from the public as a Islamic banking service user, grows well for an Islamic banking can be seen from the financial performance itself. Today’s liquidity is very important for Islamic banks in carrying out activities, whether to overcome urgent needs, meet customer demand to financing, providing flexibility in achieving interesting and profitable investment opportunities so as not to inhibit sharia banking itself. In this study aims to determine the Effect of Third Party Fund (Dpk), Return On Asset (Roa), And Capital Adequacy Ratio (Car) On Liquidity (Fdr) At the Sharia Bank of General Sharia Year 2017-2022. This study used the type of Quantitative Research using secondary data acquired from the official www.ojk.go.id This study was carried out using a multiple linear regression analysis method that has the results of the study that Third Party Fund negatively affects Financing Deposit Ratio which is evidenced with -thitung> ttabel (-2,605> 1.720). The Return On Asset did not significantly affect Financing Deposit Ratio which was evidenced by thitung <ttabel (1.487 <1.720). Capital Adequacy Ratio has no significant effect to Financing Deposit Ratio which is evidenced by -thitung <ttabel (-1,315 <1.720). As well as Third Party Funds, Return On Asset, Capital Adequacy Ratio Has a simultaneous effect on Financing Deposit Ratio which is evidenced by Fstatistik <0.05 (0.000 <0.05) and Fhitung Ftabel (16.647> 39). With an effect of 0.714 or 71% on FDR at Bank Syariah Public and the remaining 29% are influenced by other variables not included in this study.

This research aims to determine the level of efficiency and level of financial independence of the Soppeng Regency government in financing its government activities. The type of data used in this research is quantitative data obtained from direct observation and documentation studies of financial reports relating to the realization of regional expenditure. The data is analyzed using the quantitative descriptive analysis method, namely by carrying out calculations on the financial data obtained. The results of this research show that the average value of the Soppeng Regency government's efficiency level from 2018 to 2022 shows that the efficiency ratio is inefficient because it is above 100 percent, which indicates that the regional government is inefficient. At the level of independence, the Soppeng Regency regional government is still in the category of instructive relationship patterns. This means that the regional government is not yet independent in financing its government activities and the role of the central government is still very dominant, which indicates that the level of dependence of the Soppeng Regency government is still high on the central government

The background is financial reports have not complied with accounting standards and no digital-based financial system innovations. This will affect banking decisions to provide financing assistance and MSMEs difficulties in sustaining their business. This service aims to improve the quality of financial reports and digital-based financial innovation (fintech) then MSMEs can be highly competitive and continuously reduce banana stem waste in Cimenyan. The method used is training & mentoring so that more "bankable" to prospective borrowers from banks and a more updated financial application system is produced. The finding is the reduction of banana stem waste in Cimenyan. The implication, training program, that in the end the bank approves the application for funds. The output is partners have knowledge about financial reports that are according to standards, more practical in the fintech era. They can be highly competitive and profitable for the MSME industry on a national and international scale.  

This research aims to understand the mechanism of murabahah contracts at BMT Rukun Abadi Bandar Jaya and to examine the implementation of murabahah contracts in their financing products. This study employs qualitative research with a phenomenological approach, which is adapted to observe the realities in the field through observation. Phenomenological analysis is used to analyze a phenomenon based on existing responses. Phenomenological research is used to analyze the implementation of murabahah contracts in financing products at BMT Rukun Abadi Bandar Jaya. The results of this study indicate that: 1) The mechanism of murabahah contracts at BMT Rukun Abadi Bandar Jaya consists of financing procedures, agreement terms, collateral, down payments, and penalties. 2) Implementing murabahah contracts in financing products at BMT Rukun Abadi Bandar Jaya has been well-executed, as it fulfills the criteria set within the murabahah financing mechanism. These criteria include financing procedures, agreement terms, collateral, down payments, and penalties

Health is a vital element and is a constitutive element in a person's life process. So that improving health, health recovery and treatment cannot be separated from financing. One of the subsystems in national health is the health financing subsystem. Health financing itself is the amount of funds that must be provided to organize and/or utilize various health efforts needed by individuals, families, groups and communities. The aim of this research is to find out the management strategy for health financing and insurance in health services. The method used is a literature study by analyzing and comparing existing theories and producing findings from the analysis results. The results of this research are strategies for managing health financing and insurance in health services, namely by providing health services, increasing health personnel, improving information, providing adequate health equipment, vaccines and technology, good leadership and governance in management and financing and accelerating access to health services as a whole. universal for reducing inequalities in health. It can be concluded that strong, stable and sustainable health financing plays a very vital role in the provision of health services in order to achieve various important goals of health development in a country, including equal distribution of health services and access (equitable access to health care) and quality services (guaranteed quality). Therefore, health policy reform in a country should provide an important focus on health financing policies to ensure the implementation of adequacy, equity, efficiency and effectiveness of health financing itself.

Micro, Small and Medium Enterprises (MSMEs) are buying and selling activities and providing services to the community with the aim of making a profit, but the empowerment of MSMEs is not due to the fact that there are still many obstacles, such as the difficulty for MSMEs to obtain financing facilities from financial institutions, so they are forced to take out loans from loan sharks whose interest rates are high and suffocating. thus causing businesses to go out of business, to overcome this problem MSMEs need Islamic financial institutions with a profit sharing scheme, namely mudharabah contracts or financing/investments which are usually mudharabah products found in Islamic Cooperatives, Indonesian Sharia Bank (BSI), Baitul Maal Wat Tamwil (BMT). The Indonesian Muslim Entrepreneurs Community (KPMI) and the Syirkah Bersama Cooperative (KSBB) are both working together to create a new innovation in the form of Mudharabah Linked Waqf which optimizes and manages cash waqf funds in an organized manner so that it is hoped that it can help MSMEs to develop further.

This study aims to determine, and obtain empirical evidence about the effect of public sector financing, good governance and internal control on government performance in OPD South Buru district on Maluku Province. The population in this study is the employees who work in Regional Apparatus Organization (OPD), in South Buru Regency,Maluku Province. This research models uses descriptive quantitative, with data sources in the form of primary data. The sample used in this study was selected through the purposive sampling method with a total sample of 100 respondents. Hypothesis testing in this study using multiple linear regression analysis with the help of SPSS version 16. The results of the study show that the results of the public accounting sector and good governance have a significant effect on the performance of government agencies in South Buru Regency. Whereas, internal control does not have a significant impact on the performance of government agencies in South Buru Regency, on Maluku Province.

This study aims to know the cost of designing maintenance using the Reliability Centered Maintenance method. Engine and fuel control, is a fuel engine system and fuel control system; in charge of distributing and measuring fuel from the fuel storage tank, to the combustion chamber. Gas turbine or  component area (Combustor), functions as a distributor of fuel used in aircraft systems and plays a role in carrying out its operation (Boeing 737-400 Aircraft Maintenance Manual). Reliability is the possibility of a component or system to be able to operate and/or carry out its functions. The function has been assigned to certain operating conditions and in a certain environment for a predetermined period of time. Thus, reliability is the probability that it will not fail or be able to perform its function for a period of time (t) or more. In the analysis of preventive maintenance financing, which is carried out when the reliability value reaches 70%, 60% and 50%, respectively, it is obtained for each component.

Banking institutions have the function of collecting and distributing public funds, with reference to the BSI KCP Singkil bank with a sharia system that uses a murabaha contract, so that the existence of partner-to-blessing financing as a welfare effort for Civil Servants (PNS), causes controversy with the concept of conventional banks with a system interest with its murabahah concept. This study aims to determine the financing of Mitraguna Blessing with a murabaha contract for the welfare of Civil Servants (PNS) of Aceh Singkil Regency in Islamic banking. This research is a type of field research (field research) which is descriptive qualitative, data collection using interview techniques Bank BSI KCP Singkil. The results of this study: 1). Most customers from civil servants in Aceh Singkil district take out the BSI Singkil blessing partnership financing with the aim of improving their lives, such as building a place of business, buying garden land, building a house, renovating a place of business or renovating a house and buying a vehicle. 2). Mitraguna Berkah Financing with a Murabahah Agreement Bank Syariah Indonesia, Tbk. for civil servants at the stage of the disbursement process, the use of this murabaha contract is in accordance with the legal basis both in sharia and positive law.

Objectives and targets that can be achieved for each study. There are objectives to be achieved, including: To determine the effect of mudharabah financing to boost BMT Al-Istiqomah Maleber Ciamis income, To determine the effect of musyarakah financing on increasing BMT Al-Istiqomah Maleber Ciamis income, and to determine the effect of Mudharabah and musyarakah financing on increasing income of BMT Al-Istiqamah Maleber Ciamis. The scientific approach to obtaining data for a specific purpose is the research method. Quantitative statistical methods are used in this study. The results of this study This study shows that (1) revenue growth is significantly and positively affected by Mudharabah financing. It can even be said that the higher the mudharab support, the higher the compensation for BMT Al-Istiqamah Maleber Ciamis. (2) The consequences of the review show that the musyarakah monetary variable influences salary development. As a result, musyarakah funds can be said to increase the income of BMT Al-Istiqamah Maleber Ciamis. (3) Mudharabah and musyaraq financing simultaneously have a significant positive impact on income.

Liquidity management is a very complex problem in bank operations. The main cause of bank bankruptcy, both large and small, is not due to failure in financing which results in losses, but rather due to the inability of banks to manage liquidity. This article discusses liquidity management by utilizing the Bank Indonesia Sharia System (SBIS) and PUAS transactions. However, that the two methods have not fully resolved the actual problems faced by Islamic banking in allocating unused funds due to excess liquidity. This study was conducted through a literature search covering various solutions and alternatives to overcome the obstacles faced by Islamic banking in managing its liquidity. To support this study, secondary data was used obtained from Islamic Banking Statistics and the Financial Services Authority. Based on this study, it means that the central bank needs to develop the existing instruments in the PUAS provided by Bank Indonesia as the monetary authority. It is hoped that the liquidity problems faced by Islamic banking can be overcome more effectively.

Indonesia's development and financing for its country comes from the income of MSMEs in Indonesia. MSMEs are the economic cycle in Indonesia and MSMEs have a very high influence on improving the economy in Indonesia. More entrepreneurs and MSMEs will increase the economic value of a country, namely Indonesia, because the economy will grow in proportion to the growth of MSMEs with MSMEs, people are required to become entrepreneurs and as a producer and is expected to be able to import its products abroad to increase income from abroad and domestically. The survival of MSMEs is very important for the continuity of MSME businesses, for this reason the government provides various kinds of stimuli so that MSMEs are able to survive under certain conditions, especially during the Covid-19 pandemic. MSMEs need to make improvements in terms of financial governance. This understanding starts from an early age, namely in the MSME environment to support government programs that intensify calls for Indonesian people to comply with reporting which plays a very important role in the country's development. The main problem obtained from observations of MSMEs in Api-api village, Wonokerto is that they do not understand financial governance for MSME entities for business sustainability, so it is necessary to hold a workshop regarding strengthening financial governance of MSMEs to improve business sustainability in Api-Api Village, Kec. Wonokerto Regency Pekalongan. Goals and targets of community service in Api-Api Village, Kec. Wonokerto Regency Pekalongan is so that the public understands good financial governance and how to prepare financial reports for community businesses in Api-Api Village, Kec. Wonokerto Regency Pekalongan. The number of participants was 30 MSME business actors. The implementation method is carried out by presenting workshop material directly (offline) in Api-Api Village, Kec. Wonokerto Regency Pekalongan. The output of this community service is in the form of scientific journal publications in the ITS NU Pekalongan Community Service Journal and cinematic videos of the implementation of community service.

This study examines the Indonesian Islamic Bank Merger policy towards the halal industry for micro, small and medium enterprises. This research is to find out the role of the Indonesian Islamic Bank Jambi Gatot Subroto branch office in developing the halal industry Micro, small and medium enterprises that apply for financing at the Bank after the Merger and find out what are the obstacles faced by the Indonesian Islamic Bank Jambi Gatot Subroto branch office in distributing financing contracts to Micro, small and medium enterprises after the merger. This study uses a qualitative approach and the type of research approach used is descriptive qualitative. The data sources are primary data and secondary data. Methods of data collection through interviews and documentation. The results of this study indicate that the Indonesian Islamic Bank Jambi Gatot Subroto after the merger already has a role in improving the economy and developing the halal industry Micro, small and medium enterprises in Jambi City by providing an initial injection of funds and top up or additional business capital and also lightening and facilitating Micro, small and medium enterprises in applying for financing at Bank Syariah Indonesia, not only that, Bank Syariah Indonesia also plays an active role as a consultant for its customers and often holds entrepreneurship guidance, Bank Syariah Indonesia, the Jambi branch office, Gatot Subroto, conducts canvassing every day or goes directly into the field to spread brochures as well as reducing installments when customers are affected by natural disasters. The constraints of Bank Syariah Indonesia Gatot Subroto Jambi branch office in channeling financing to the Halal Industry Micro, small and medium enterprises, namely defects in the name of the customer concerned due to late payment of bills, problems when completing administrative requirements files because if one of the requirements is not completed then the financing cannot be continued , business constraints that are already running but the customer is dishonest regarding customer financial information, accounts payable or reports about business activities that the customer is running, and constraints from the bank itself, namely when the customer data input system has an error while doing financing.

This study aims to investigate the effect of external funding and product innovation on entrepreneurial business growth. The research method used is a descriptive qualitative approach. This research was conducted over a two-month period spanning from May to June of 2023. The results showed that external funding plays a significant role in supporting entrepreneurial business growth. Funds obtained from external sources, such as venture investment or bank loans, enable entrepreneurial ventures to expand operations, increase production, and develop market share. In addition, product innovation also has a positive influence on the growth of entrepreneurial ventures. Companies that are able to produce innovative new products or services can attract new customers, increase customer loyalty, and increase revenue. The limitations of this study are the limited data available in the research period and the focus on entrepreneurial companies in one particular sector. The implication of this study is that it is important for entrepreneurs to consider external funding as a potential source of financing and also encourage product innovation as a strategy to achieve sustainable business growth.

This study explores the funding issue of PT. N usa BPR Cianjur in anticipation of a financial disaster. This study adopts a descriptive qualitative research style and relies on interviews and other primary and secondary data sources. The results of the analysis show that problematic financing at PT. N usa BPR Cianjur includes incorrect or money-shortening financing. Every financial organisation that offers funding aspires to keep problems at bay, but they frequently arise. In order to avoid losses when dealing with problematic financing, a financing settlement strategy must be established. Financing issues can be resolved by rearranging, rescheduling, and upgrading.

Abstract The purpose of this study is to determine the management of educational financing in improving facilities and infrastructure at Madrasah Aliyah Darussalam Pematang Duku Age, determining strategies using case studies, this research is a qualitative research that focuses on managing educational financing in improving facilities and infrastructure at Madrasah Aliyah Darussalam The source of this data comes from the school principal, treasurer, deputy head of facilities and infrastructure, committees and technical foundations. Data collection using interviews and documentation of data analysis includes data collection, data reduction, data display and drawing conclusions. The results of his research are management of education funding in improving facilities and infrastructure. in the madrasah aliyah daarussalam through three prisoners, namely a) the planning stage. The planning process for education financing in madrasah aliyah daarussalam is good, this is evidenced by holding deliberations in planning education financing once a year and involving all elements of the school, namely the head of the madrasa, data operators, treasurer of the madrasa, representatives of the field madrasah committee and teachers b) Implementation The implementation of financing at the Daarussalam Aliyah Madrasah was not optimal, the implementation was carried out in accordance with the planning that was discussed, but in its implementation there were several sudden needs. so that inevitably the school will reduce or even cut the budget for facilities and infrastructure.

The company is a form of body or organization that was founded by a person or group. The company's activity is to carry out production which is then distributed in order to meet economic needs. companies in carrying out their operations require substantial funding, therefore the company needs to know the development of its business from time to time so that it can be known whether the company is experiencing progress or setbacks. To be able to find out about this, the owner of the company can look through the accountability report of the company's leadership in the form of financial reports. One of the company's financial reports is the cash flow statement. Cash presents systematically information about cash receipts and disbursements during a certain period. In the statement of cash flows, cash receipts and disbursements are classified according to operations, financing activities and investing. performance.  

According to Law No. 36 of 2009, health is a state of health, both physically, mentally, spiritually and socially that allows everyone to lead a socially and economically productive life. To ensure this health, the government established a health insurance known as the National Health Insurance (JKN). In its implementation, the JKN program experienced several challenges and obstacles. Therefore, this study aims to evaluate the JKN program in terms of increasing public health access. The research method used was a literature review obtained from eight journals from the Google Schoolar online database  between 2018 and 2023. Based on BPJS Kesehatan data as of October 2022, as many as 89.35% of the entire Indonesian population has been guaranteed health financing through the JKN program. There are several factors that affect the implementation of the JKN program, namely internal and external factors. To overcome this, various strategies are needed to optimize the JKN program in Indonesia. In addition, collaboration between stakeholders and the implementation of digitalization of health services in various health care facilities are also needed as readiness to face the global world. In its implementation, the implementation of JKN still experiences various obstacles such as low stakeholder readiness and responsiveness,  facilities and infrastructure that have not been maximized, and regulations regarding the JKN program have not been available and socialized properly.

This study aims to analyze the marketing strategy for BSI OTO products at KCP Medan Marelan, the type of research method used is a qualitative method, and data collection is carried out by observation and interviews, the data taken is in the form of observations and also from interviews. interview with BSI KCP Medan Marelan officers. Based on the results of the research it was found that the obstacles in marketing BSI OTO at KCP Medan Marelan included inactivity on social media, tight competition from other banks and also the lack of public understanding in the financing application process. and efforts to Overcoming the existing obstacles, BSI KCP Medan Marelan innovates products that will be adjusted to the needs and desires of customers and also adds application facilities in the form of mobile banking and also the BSI website which can make it easier for customers to carry out various transactions and also understand the products available at BSI. and for the marketing strategy of BSI OTO bank BSI KCP Medan Marelan implementing promotions and excellent service, promotions are carried out such as: distributing and distributing brochures, conducting outreach and also conducting promotions indirectly through social media and also excellent service by CS for customers.