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The expansion of the scope of People's Economic Bank (BPR)s to enter the capital market is new in Indonesia. The legal arrangements are not yet fully regulated. Several obstacles are experienced by BPRs towards the capital market. Therefore, innovations are needed that can make BPRs enter the capital market by applying some existing legal arrangements even though they are not specifically regulating BPRs. The purpose of this study is to determine the barriers and innovations in the framework of BPR towards the capital market. Normative legal method by taking a statutory and conceptual approach. There are several challenges BPR in heading to the capital market. The answer to these challenges is innovation. The existence of innovations that can be applied to BPR in order to go to the capital market can be seen from the legal arrangements that already exist in other fields but can be applied in the BPR. BPR experiences several obstacles, including (1) Changes from closed to public LLC must go through several processes before heading to the capital market, (2) Changes in share ownership that can determine company policy and (3) Capital fulfillment factors required by the capital market. The innovations made are (1) the fulfillment of corporate governance, (2) Share ownership arrangements that can still be held by families with (a) The form of holding companies and subsidiaries with certain ownership arrangements, and (b) Applying dual class shares, (3) BPRs that have not met the capital requirements can enter through the OTC market with reporting obligations in each securities transaction.

This study aims to determine the influence of factors from Integrated Quality Management and Business Process Quality Engineering to achieve Intention Customer PO. Respondents from this study were 61 respondents and this study used a quantitative approach. Integrated Quality Management or Total Quality Management (TQM) and Business Process Quality Engineering or Business Process Reengineering (BPR) are two strategic approaches and can be used synergistically to achieve Customer Purchase Order (PO) fulfillment with high efficiency and effectiveness. This research examines the influence of implementing Total Quality Management (TQM) and business process quality engineering on customer intention to repurchase (intention customer PO) for sweetened condensed milk products at PT. Indofood. The research results show that the implementation of TQM and business process quality engineering together can increase intention customer PO. Increased customer satisfaction is a crucial factor in achieving intention customer PO. This research contributes to PT. Indofood by providing an understanding of the importance of implementing TQM and business process quality engineering in achieving intention customer PO, providing empirical data to develop more effective marketing strategies, and providing recommendations to improve product and service quality, as well as customer satisfaction

This article examines how Indonesia's economic growth was affected by the global financial crisis brought on by the US subprime mortgage crisis. In addition to having an effect on Indonesia through trade and financial channels, this crisis led to a downturn in the demand for consumer spending, investment, and exports in developing nations. This decrease was a contributing factor to the drop in Indonesia's GDP. The research approach adopted is literature study with analysis of pertinent literature. In addition, this article also covers comments on the causes of the crisis from conventional and Islamic economic viewpoints, as well as the significance of market reform to prevent excessive speculation. The author highlights how using the concepts of Islamic finance can be beneficial enhance the domestic financial sector to increase its resilience to external shocks and avert future crises.

This research discusses the application of McKinsey's 7S model in increasing profitability at PT BPRS Karya Mugi Sentosa Surabaya. McKinsey's 7S model consists of seven main elements: strategy, organizational structure, operational system, leadership style, staffing, skills, and shared values. The research used a qualitative approach with direct observation methods, structured interviews, and in-depth data analysis to evaluate the effectiveness of the model. The results showed that the harmonization of the elements of McKinsey's 7S model contributed significantly to improving profitability, reflected in the increase in assets, growth in the number of customers, and stability of financial statements over the past five years. However, challenges such as HR adaptation to the new strategy and consistency of implementation are concerns that need to be addressed. This study concludes that the implementation of McKinsey's 7S model is able to encourage the strengthening of corporate strategy and competitiveness in the midst of intense competition in Islamic banking.

More and more BPRs have had their operational permits revoked by the OJK. The revocation of a BPR license is due to the bank's unhealthy financial condition, which has the potential to threaten the banking system and harm various parties. Therefore, the bank must have its business license revoked with several previously determined considerations. One of the BPRs whose business license was revoked was BPR Persada Guna Pasuruan. This research aims to analyze the forms of legal violations in the case of revocation of BPR Persada Guna's business license and find out the follow-up given by the authorities in the case of BPR Persada Guna Pasuruan. This research uses a normative juridical approach. The research results show that the forms of legal violations include credit violations, capital insufficiency, and violations of bank governance. Meanwhile, the follow-up provided is through the Decree of the Members of the Board of Commissioners of the Financial Services Authority Number KEP-84/D.03/2023 dated 4 December 2023 regarding the Revocation of the Business License of PT Bank Kredit Kredit Rakyat Persada Guna.

Digital transformation (DT) is a necessity for incumbent companies today, including MSMEs, to be able to continue to compete in the era of technological disruption and accelerated by the COVID-19 pandemic. This research aims to design IT governance (ITG) for BPRACo MSMEs using the COBIT 2019 SME focus area framework. The research method used is design science research (DSR) which creates artifacts in the form of ITG solution development methods and systems. The research results revealed that the highest GMO priorities selected were APO10 Managed Vendors, MEA03 Managed Compliance with External Requirements, and APO12 Managed Risk. From the analysis of the selected GMOs, there are gaps and recommendations for improvement in the seven components which are then mapped into three aspects, namely people, process and technology aspects. The results of the research analysis show that the ambidextrous IT governance approach has succeeded in increasing the level of capability in several main components of BPRACo MSMEs in adopting DT. The right ITG strategy can help BPRACo MSMEs operating in the banking industry achieve a successful DT journey.  

This research aims to analyze the influence of Job Rotation and Job Training on Employee Performance through Job Satisfaction. The unit of analysis for this study is PT BPR Arto Moro Semarang. This research is a causal-comparative type, with a sample size of 74 respondents collected through a questionnaire. The sampling method used is non-probability sampling with purposive sampling. The analysis tool employed in this study is Structural Equation Modeling (SEM) using the SmartPLS (Partial Least Square) version 4 application. The results of this study indicate a significant positive influence of Job Rotation on Job Satisfaction, Job Training on Job Satisfaction, and Job Rotation on Employee Performance. However, it does not show a significant impact of Job Satisfaction on Employee Performance and Job Training on Employee Performance at PT BPR Arto Moro.

The main objective of this study is to fill the knowledge gap in Islamic financial literacy experienced by microfinance customers by identifying their experiences in implementing these practices, the challenges they face and the opportunities that exist. Although this research is qualitative descriptive, this research includes field research. Primary and secondary sources of information were used to compile the results of this study. Research Methods This research uses a qualitative method with a descriptive approach, carried out at BPRS Haji Miskin KC Payakumbuh, identifying both internally and externally so that it can analyze what is currently an obstacle to customer understanding in Islamic financial literacy in murabahah financing products and describe the developments that can be done to improve customer Islamic financial literacy in murabahah financing products.The results of the research The understanding of financing customers is based on the findings of this micro-research that increases in following Islamic financial literacy, increasing customer insights, so customers can distinguish Islamic finance from conventional finance. The obstacles and risks faced by microfinance customers of BPRS Haji Miskin KC Payakumbuh in Islamic financial literacy are that most of the microfinance customers cannot participate in the Islamic finance education program because the distance to the customer's home and the location of the Islamic finance education is very far because the program is carried out at the head office.

One of the roles of the Bank Perekonomian Rakyat (BPR) is to provide credit to improve the economic welfare of the lower middle class through micro and small business services. However, the provision of BPR credit is prone to misappropriation, one of which is used as an election campaign fund. This research is a legal research in analyzing the problem using literature study which is analyzed qualitatively. The results obtained from this research are that the misuse of BPR credit used as campaign funding can be suspected of being a criminal act of corruption and money laundering because it is obtained from state finances and there are indications of disguising and hiding money. The source of state finances provided to BPRs can be viewed in terms of state capital participation in the form of securities and the provision of facilities provided by the government. In anticipating campaign funds originating from criminal acts, the Badan Pengawas Pemilu must cooperate with other parties such as the Public Accounting Office to conduct campaign fund audits and related law enforcement officials such as the Pusat Penelusuran dan Analisis Transaksi Keuangan and the Corruption Eradication Commission to prevent and prosecute the use of money from corruption crimes for campaign funding.

This study aims to use financial indicators to determine the effect of regional gross domestic product on the performance of Sharia BPR in Lampung. This survey method uses a quantitative descriptive survey whether the performance of the Lampung BPR SYARIAH will be influenced by Lampung's economic growth between January 2020 to December 2021. The population and sample are all BPR SYARIAH registered with the Financial Services Authority (OJK), and there are 11 BPR SYARIAH in the Lampung study area. So it can be said that the influence of KAP (X1) NPF (X2) ROA (X3) BOPO (X4) FDR (X5) CASH RATIO (X6) triggers the GRDP (Y). %, the remaining 1% is caused by other unavailable factors. The result of the f-test is known as the probability statistic F (0.017600). Because (0.05), it can be said that KAP, PAP, NPF, ROA, BOPO, FDR, and CASHRATIO together have a major influence on GRDP. And the partial significance test shows the value of Prob. KAP Ha1 was rejected because 0.05 < 0.0731, indicates a negative relationship, Prob value. NPF Ha2 is accepted because 0.0191 < 0.05 indicates a positive relationship, Prob value. ROA Ha3 is accepted because 0.0681 < 0.05 indicates a positive relationship, Prob value. BOPO Ha4 is rejected because 0.1055 < 0.05 indicates a negative relationship, Prob value. FDR Ha5 is accepted because 0.0398 < 0.05 indicates a positive relationship, Prob value. CASHRASIO Ha6 is accepted because 0.0235 < 0.05 indicates a positive relationship.

This research is aimed at analyzing the level of bank health at PT BPR Bank Jombang Perseroda which was carried out using RGEC method. The data used comes from the financial reports of PT BPR Bank Jombang Perseroda for the 2018-2022 period or five years and 40 company data was found. The RGEC method was employed during the data analysis. Based on the conducted analysis, it was discovered that PT BPR Bank Jombang Perseroda had a fairly excellent rating from 2018 to 2022 (Composite rating 3).    

Murabahah financing is one of the most popular types of financing for customers who do not escape the role of the account officer in the analysis of determining the feasibility of applying for murabahah financing. There are differences in the total number of customers who apply for murabahah financing and the total realization of murabahah financing, in that customers who apply for murabahah financing are not always accepted by the account officer. Financing was rejected because there were customers who did not meet the eligibility assessment on character, capacity and collateral. If the feasibility assessment in several aspects is not fulfilled, the customer is deemed unfit to be provided with financing.This research aims to determine the role of account officers in determining the feasibility of applying for murabahah financing at BPRS Metro Madani KC Unit II Tulang Bawang. This type of research is field research, while the nature of the research is descriptive qualitative. Data collection techniques through interviews and documentation. After the data was obtained, the data was analyzed using inductive thinking methods.The research results show that account officers play a role in managing accounts, managing products, managing financing, managing sales and managing profitability. And the account officer has carried out his role well in determining the feasibility of applying for murabahah financing in accordance with theory, namely using 5C analysis, although in terms of character, capacity and economic conditions in practice it has not been carried out optimally.

The formulation of the problem in this research is: Does the quality of bank service influence the customer's decision to choose IB Fajar Mudharabah Savings at PT. BPRS Fajar Sejahtera Bali? This type of research is quantitative research and data collection methods by distributing questionnaires and documentation. The research subjects used a population of 2,764 customers and a sample of 30 customers. The analysis in this research uses IBM SPSS 25. The results of this research show there is an influence between service quality on the customer's decision to choose where t count > t table is 3.549 > 1.695. There is an influence of service quality on customers' decisions to choose IB Fajar Mudharabah Savings at PT. BPRS Fajar Sejahtera Bali.

The accounting profession in the industrial era 4.0 faces significant challenges in maintaining business ethics. In the context of Rural Credit Bank (BPR) Dana Nusantara Tanjungpinang Branch Office, efforts to avoid violations of business ethics are very important. By referring to literature studies and descriptive qualitative interviews, this research method reveals the strategies implemented by BPR Dana Nusantara Tanjungpinang in controlling ethical violations. The research results show that BPR Dana Nusantara Tanjungpinang uses internal audit and data crosscheck as the main strategy to ensure the accuracy of recording financial transactions. In addition, separation of functions and strict supervision of business processes are important steps in maintaining the integrity and honesty of company operations. However, challenges related to employee internet access present obstacles in efforts to prevent ethical violations. However, BPR Dana Nusantara Tanjungpinang continues to strive to use good vendors and implement strict operational procedures. The research results show that BPR Dana Nusantara Tanjungpinang continues to be committed to improving their internal control practices in order to create an ethical business environment and reduce the possibility of ethical violations in the future.

This research aims to examine the implementation of Good Corporate Governance (GCG) and its impact on the financial performance of Islamic banks, with a focus on PT. Bank Pembiayaan Rakyat Syariah (BPRS) Bakti Makmur Indah Sidoarjo during the period of 2021-2023. The method employed in this research is a qualitative descriptive approach, which involves data collection through literature review and documentation related to the implementation of GCG at BPRS Bakti Makmur Indah, as well as the analysis of the bank's financial reports for the specified period. The research findings indicate that BPRS Bakti Makmur Indah has implemented the principles of GCG, such as transparency, accountability, responsibility, professionalism, and fairness. However, the financial performance of the bank experienced a significant decline from 2021 to 2023. This decline is evident from the decrease in the values of Return on Assets (ROA), Return on Equity (ROE), and Net Profit Margin (NPM). These findings suggest that although the principles of GCG have been implemented, their effectiveness is not yet optimal, and there are still challenges to be overcome to improve the financial performance of the bank.    

The purpose of this study is to know and analyze the impact between work discipline, work motivation, non-physical work environment and job placement of employee satisfaction at PT. BPR BKK Purwokerto.This research was included in a quarantinative study with a population of 201 employees and a sample of 136 responders taken with a proportional stratified random trampling method, Studies indicate that work discipline, work motivation, non - physical work environment and job placement have a positive and significant effect on employees' satisfaction, So all hypotheses accepted

The purpose of this study was to analyze the influence of career development, digital leadership style, and work-life balance on employee job satisfaction in the banking sector, both partially and simultaneously. The population in this study were all employees of PT. BPR BKK Jateng (Peseroda) Karanganyar Branch, totaling 119 people. Because the population is relatively small and reachable, the entire population was sampled in this study using the total sampling technique. Data analysis techniques used include: Instrument testing (validity test and reliability test), Classical Assumption Test (normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test). To test the hypothesis, multiple linear regression analysis, t-test (Partial), F-test (Simultaneous), and Coefficient of Determination were used. The results of the analysis showed that the three independent variables, namely Career Development, Digital Leadership Style, and Work-Life Balance, had a significant influence on Job Satisfaction of PT. BPR BKK JATENG (PESERODA) Karanganyar Branch.

This research aims to analyze the Financial Ratio to Economic Value Added at PT. Sharia People's Financing Bank (BPRS) Puduarta Insani Deli Serdang. Specifically, to analyze the measurement of Return On Equity (ROE) and Debt to Equity Ratio (DER) on Economic Value Added (EVA). The research approach uses Quantitative with Regression Data Type from 2016 - 2023, Multiple Linear Regression analysis techniques. The results of this research are: 1) Return On Equity (ROE) has a positive and partially significant effect on Economic Value Added (EVA), because an increase in equity can increase the added value of positive Economic Value Added (EVA) at PT. Sharia People's Financing Bank (BPRS) Puduarta Insani Deli Serdang; 2) Debt to Equity Ratio (DER) has a negative and partially significant effect on Economic Value Added (EVA), because debt that exceeds the asset value can reduce the equity value. Low Equity will cause a negative Economic Value Added (EVA) value at PT. Sharia People's Financing Bank (BPRS) Puduarta Insani Deli Serdang; 3) Return On Equity (ROE) and Debt to Equity Ratio (DER) simultaneously have a positive and significant effect on Economic Value Added (EVA) at PT. Sharia People's Financing Bank (BPRS) Puduarta Insani Deli Serdang.

This study seeks to examine the impact of the work environment, leadership, and work discipline on the performance of PT personnel. Mount Merbabu Semarang Branch Office operates partially and simultaneously. This is a quantitative study that collects primary data from respondents via questionnaires, yielding 62 data points. This study's data analysis methods include descriptive analysis, multiple linear regression, t test, F test, and coefficient of determination test. The study's findings indicate that PT staff' performance is influenced by their work environment, leadership, and work discipline. BPR Gunung Merbabu Semarang Branch Office, partially or concurrently.

Penelitian ini bertujuan untuk menganalisis pengaruh stres kerja dan konflik kerja terhadap kinerja karyawan baik secara langsung maupun tidak langsung melalui kecerdasan emosional pada PT. Populasi yang digunakan pada penelitian ini adalah seluruh karyawan PT. BPR Sejahtera Artha Sembada Kabupaten Pekalongan dengan jumlah 78 orang, dengan teknik pengambilan sampel menggunakan metode sampel jenuh atau metode sensus, maka jumlah sampel yang digunakan sebesar 78 responden. Hasil penelitian menyatakan jika stres kerja berpengaruh negatif dan signifikan terhadap kinerja karyawan, konflik kerja berpengaruh negatif dan signifikan terhadap kinerja karyawan, dan kecerdasan emosional berpengaruh positif dan signifikan terhadap kinerja karyawan.