Pengembangan UMKM Melalui Pemanfaatan Model Layanan Fintech Syariah Ammana.id

Financial teknologi merupakan inovasi teknologi di bidang keuangan, berbagai layanan diberikan oleh perusahaan startup secara daring mulai dari lalu lintas pembayaran, asuransi, pembiayaan hingga penilaian risiko perusahaan. Kemudahan layanan fintech, dijadikan sebagai alasan pelaku UMKM mengembangkan usahanya terutama dalam hal pendanaan dan pembiayaan. Penelitian ini bertujuan untuk mengkaji model layanan fintech syariah ammana.id dalam menegmbangkan UMKM di Indonesia. Peran pemerintah dalam hal ini Otoritas Jasa Keuangan (OJK) sebagai pembuat kebijakan atas jasa keuangan yang beroperasi di Indonesia. Peraturan atas fintech terdapat Peraturan OJK (PJOK) Nomor 77 Tahun 2016 tentang layanan pinjam-meminjam yang berbasis teknologi informasi atau fintech pinjaman. UMKM merupakan salah satu pengguna fintech melalui model layanan P2P Lending. Model layanan fintech syariah terutama P2P Lending yang digunakan oleh perusahaan fintech Ammana telah banyak membantu pelaku usaha dan mikro (UMKM). Ammana merupakan perusahaan fintech yang berbasis syariah, dimana model layanan fintech berupa pendanaan dan pembiayaan yang diberikan kepada para pelaku usaha UMKM melalui kerjasama dengan lembaga syariah. Dengan penerapan sistem bagi hasil, ammana memiliki tingkat keberhasilan penyelesaian kewajiban pinjam meminjam (TKB) sebesar 94,81%. Hal ini menunjukkan bahwa semakin tinggi TKB maka semakin baik penyelenggaraan dalam pelayanan pembiayaan berbasis teknologi informasi. Ammana telah menyalurkan dana sesuai syariah kepada 2.285 pelaku usaha dan mikro serta memiliki 1.445 pemberi dana serta sebanyak 23 Milyar telah diserap dalam pada model layanan P2P lending. Kepuasan atas kinerja Ammana dibuktikan dengan peningkatan jumlah investor dan peminjam, serta mitra lembaga keuangan syariah yang turut andil dalam layanan fintech tersebut.Financial technology is a technological innovation in the financial sector, various services are provided by startup companies online ranging from payment traffic, insurance, financing to corporate risk assessment. The ease of fintech services is used as a reason for MSME players to develop their businesses, especially in terms of funding and financing. This study aims to examine the ammana.id sharia fintech service model in developing MSMEs in Indonesia. The role of the government, in this case, the Financial Services Authority (OJK), is as a policymaker for financial services operating in Indonesia. The regulations for fintech are OJK Regulation (PJOK) Number 77 of 2016 concerning information technology-based lending and borrowing services or fintech loans. UMKM is one of the fintech users through the P2P Lending service model. The sharia fintech service model, especially P2P Lending, which is used by the Ammana fintech company, has helped many businesses and micro-businesses (MSMEs). Ammana is a sharia-based fintech company, where the fintech service model is in the form of funding and financing provided to MSME entrepreneurs through cooperation with sharia institutions. With the application of the profit-sharing system, Ammana has a successful completion rate of borrowing and borrowing obligations (TKB) of 94.81%. This shows that the higher the TKB, the better the implementation of information technology-based financing services. Ammana has channeled funds according to sharia to 2,285 business and micro actors and has 1,445 funders and 23 billion have been absorbed in the P2P lending service model. Satisfaction with Ammana's performance is evidenced by an increase in the number of investors and borrowers, as well as Islamic financial institution partners who are taking part in these fintech services

Pengaruh Perencanaan dan Aset Pajak Tangguhan Terhadap Manajemen Laba Pada Perusahaan Telekomunikasi dan Konstruksi Yang Terdaftar di Bursa Efek Indonesia Periode 2013 – 2017

Laporan keuangan berfungsi untuk mengkomunikasikan data keuangan dengan aktivitas perusahaan kepada pihak-pihak yang berkepentingan. Pihak yang berkepentingan tidak hanya manajemen tetapi juga otorisasi pajak, perbedaan kepentingan dan informasi tersebut mengakibatkan manajemen untuk melakukan strategi dalam mengolah data akuntansi yang dihasilkan. Manajemen laba merupakan salah satu cara dalam melakukan strategi pengolahan data akuntansi, melalui perencanaan pajak dan asset pajak tangguhan dalam laporan keuangan. Pada penelitian ini sampel yang digunakan adalah perusahaan telekomunikasi dan konstruksi sebanyak 7 perusahaan dengan data laporan keuangan periode 2013 – 2017 melalui teknik purposive sampling. Metode pengolahan data menggunakan analisis deskriptif statistic dengan alat analisis regresi linier berganda serta uji hipotesis. Hasil penelitian menunjukkan bahwa: (1) perencanaan pajak tidak berpengaruh signifikan terhadap manajemen laba, (2) Aset pajak tangguhan tidak berpengaruh terhadap manajemen laba, dan (3) perencanaan pajak dan asset pajak tangguhan secara simultan tidak berpengauh terhadap manajemen laba

Peran Harga dan Citra Merek dalam Mediasi Pengaruh E-Word to Mouth terhadap Keputusan Pembelian melalui Aplikasi TikTok

Currently, people in Indonesia need a way to shop that is easy and also reliable. The existence of the TikTok application is the answer to this problem in addition to its main function as an entertainment application that can be used with the Android or IOS application operating system. This study aims to determine whether price, brand image affect purchase intention by e-Word of Mouth mediation in using the TikTok application. This research method uses a quantitative approach by distributing questionnaires to 130 consumers as measured by a scale of 1 to 5. Smart PLS (Partial Least Squares) is used in the analysis of this study to test external and internal models. The results of this study indicate that price, brand image have a significant impact on purchase intention. Through mediation variables e-Word of Mouth. So that the TikTok application can answer consumer questions and problems, simplify, and increase daily purchases. Nowadays, people need a way to shop that is easy, with prices and products that are suitable to save time and additional costs

Mathematical model of electrical discharge machining pulse profile

Electrical Discharge Machining (EDM) is a non-conventional manufacturing process where the removal of the unwanted materials is performed without a direct contact between the electrode and workpiece. This paper reports the mathematical model of EDM pulses that focuses on open circuit and normal discharge of circuit condition. The model is based on the equivalent electrical model of voltage and current control where the normal discharge model employs ignition delay of 4μs, 10μs and 16μs. By applying Kirchhoff’s voltage law, the voltage gap of an open circuit can be expressed according to a closed-loop network with zero current flow. As a result, the developed mathematical model capables to represent the pulse profile in EDM machining process

PEMANFAATAN ECO-ENZYME DALAM MENGOPTIMALKAN PERANAN IBU RUMAH TANGGA DESA JATIBARU CIKARANG KABUPATEN BEKASI

Kegiatan pengabdian ini berfokus pada pemanfaatan pengolahan sampah dengan menggunakan eco enzyme yang dapat membantu masyarakat Desa Jatibaru kabupaten Bekasi mengurangi jumlah sampah organiknya. Pengolahan tersebut dilakukan dengan memberdayakan ibu rumah tangga, tujuannya untuk meningkatkan produktivitas ibu rumah tangga di Desa Jatibaru. Tujuan pengabdian ini diharapkan ibu-ibu rumah tangga dapat mengolah sampah organik menjadi eco enzyme melalui metode community based participatory action. Terdapat 30 peserta kegiatan yang mengikuti edukasi, pelatihan dan pendampingan dalam pengelolaan eco enzyme. Berdasarkan hasil evaluasi kegiatan, terdapat 30% ibu-ibu rumah tangga telah mempraktikkan langsung dan merasakan manfaatnya. Manfaat dari eco enzyme sendiri sebagai: cairan pembersih serbaguna, pupuk tanaman, pengusir hama. Pemanfaatan eco enzyme ini sangat membantu pemberdayaan ibu-ibu rumah tangga Desa Jatibaru, mereka tidak perlu membeli pupuk atau pengusir hama tetapi mereka dapat membuat sendiri dari pengolahan sampah organi

Peningkatan Kemampuan Pengelolaan Keuangan Keluarga melalui Pelatihan Keuangan Keluarga pada Majelis Taklim Kaum Ibu Al -Barokah Tambun Selatan

Community service activities are one of the components of the Tridharma (three duty of lecturers) of Higher Education  Because every lecturer has obligations, to do community service. The service that we carried out was training in family financial management, focusing activities on improving the ability to manage family finances. The targets for this community service were mothers who are members of Majelis Taklim Al-Barokah South of Tambun. The method used in this service is training and also assistance on family financial management. The results of this service show that the women of the Majelis Taklim were very enthusiastic about participating in financial management training. Furthermore, with the implementation of this service activity, the community, especially housewives, have more ability to manage household finances, and are also able to provide more support so that housewives can avoid moneylenders. Further service activities  expected to be able to provide continuous training that triggers the spirit of housewives to generate their own income in order to improve the welfare of their family life

HERDING BEHAVIOR IN THE SHARIA CAPITAL MARKET ON INVESTMENT DECISIONS

Herding behaviour is an irrational decision-making because it is the following of other investors. Using information asymmetry as a moderating variable, this research aims at identifying the factors that influenced investment decisions. The research object was the Jakarta Islamic Index, and the data used were quarterly data from 2019 to 2021. The methods of sampling and analysis used were the panel data regression method and the purposive sampling method. The results showed that volatility, exchange rate, market sentiment and firm size positively and significantly affected herding behaviour. Information asymmetry strengthened the influence of herding behaviour on investment decisions. Furthermore, investors and potential investors could use the results to make future investment decisions

Herding Behavior in Syariah Capital Market and How Information Asymmetry Moderates Its Impact on Investment Decisions

Pasar Modal Syariah merupakan bagian dari sistem pasar modal Indonesia yang menerapkan prinsip syariah. Investasi yang banyak dilakukan di pasar modal syariah adalah saham. Perkembangan saham syariah dapat ditunjukkan melalui nilai kapitalisasinya yang terus meningkat. Salah satu indeks yang terdapat di pasar modal syariah adalah JII 70, yang ditetapkan pada tahun 2018. Keadaan masa pandemi Covid 19 tidak menyurutkan pertumbuhan saham syariah sehingga pasar modal syariah menjadi ujung tombak alternatif pendanaan. Perilaku herding terindikasi pada kondisi pasar naik-turun, volume dan volatilitas. Pelemahan nilai tukar selama masa pendemi Covid-19 di seluruh dunia termasuk di Indonesia yang menyebabkan risiko ketidakpastian global. Nilai tukar akan memperkuat perilaku herding di pasar modal Indonesia, yang menandakan bahwa investor lebih antusias merespon kabar buruk dibandingkan dengan kabar baik. Perilaku investor melandasi bagaimana cara investor tersebut dalam mengambil keputusan investasi. Penelitian ini berfokus pada volatilitas, nilai tukar, sentimen pasar, dan ukuran perusahaan yang mempengaruhi perilaku herding terhadap keputusan investasi yang dimoderasi oleh asimetri informasi. Populasi dalam penelitian ini adalah indeks saham syariah JII 70 periode 2019 – 2021 dengan data kuartal, pemilihan sampel menggunakan teknik purposive sampling. Uji analisis yang digunakan adalah uji parsial (uji t), uji kelayakan model (uji f), dan uji Moderated Regression Analysis (MRA). Hasil pengujian secara simultan menunjukkan bahwa variabel volatilitas, nilai tukar, sentimen pasar, dan ukuran perusahaan secara bersama-sama berpengaruh signifikan terhadap perilaku herding. Pengujian menggunakan uji t menunjukkan bahwa variabel volatilitas, nilai tukar, sentimen pasar, dan ukuran perusahaan berpengaruh positif dan signifikan terhadap perilaku herding. Untuk pengujian pengaruh perilaku herding terhadap keputusan investasi, hasil uji menunjukkan terdapat pengaruh positif dan signifikan perilaku herding terhadap keputusan investasi. Hasil uji MRA menunjukkan bahwa variabel asimetri informasi memperkuat pengaruh perilaku herding terhadap keputusan investasi. Kata kunci: volatilitas, nilai tukar, sentimen pasar, ukuran perusahaan, perilaku herding, asimetri informasi, keputusan investasi

Role of pure and mixed cultures of gram-positive eubacteria in mineral leaching

Research on the biooxidation of sulfidic minerals has tended to be heavily biased towards Gram-negative bacteria, such as Leptospirillum ferrooxidans and Acidithiobacillus ferrooxidans. Currently, just three species of mineral-oxidising Gram-positive bacteria are recognised: Sulfobacillus thermosulfidooxidans, Sulfobacillus acidophilus and Acidimicrobium (Am.) ferrooxidans, all of which are thermotolerant prokaryotes. We have isolated and characterised a number of phylogenetically distinct Gram-positive ironmetabolising bacteria, including mesophilic and moderately thermophilic strains. Mesophilic isolates include (i) novel Sulfobacillus spp., some of which are the more acidophilic than all known iron-oxidising bacteria, (ii) "Ferrimicrobium acidiphilum", an actinobacterium most closely related to Am. ferrooxidans, and (iii) a group of low GC Gram-positives which appear to represent a novel genus. Moderately thermophilic isolates include a novel Sulfobacillus sp., an Alicyclobacillus spp. that, in contrast to currently recognised species, grows anaerobically by reduction of ferric iron and thrives in mineral leaching environments, and a new genus/species of iron- and sulfur-oxidising bacterium with the proposed name "Caldibacillus ferrivorus". These novel prokaryotes exhibited varying degrees of mineral leaching efficiencies, with the mesophilic Sulfobacillus spp. being particularly adept at solubilising pyrite at very low (<1) pH values. All novel Gram-positive isolates catalysed the oxidative dissolution of pyrite at lower redox potentials than Gram-negative mesophiles. Mixed cultures of Gram-positive bacteria, either with other Gram-positives or with Gram-negative bacteria, were often more effective mineral-leaching systems than corresponding pure cultures.info:eu-repo/semantics/publishedVersio