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All Journal Indonesian Journal of Islamic Economics and Finance At Tasyri'i Jurnal Prodi Perbankan Syariah
Aini, Farida
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Economics, Econometrics & Finance Social Sciences

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Cooperatives amid the Wave of Industrial Revolution 4.0: Opportunities and Challenges Siswanto, Irvan; Budiman, Fajar; Aini, Farida; Kurniawan, Fiki; Aulia, mesyha Suswita
Indonesian Journal of Islamic Economics and Finance Vol 4 No 1 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i1.5733

Abstract

This study examines the roles and challenges faced by cooperatives in the era of Industry 4.0, focusing on adapting digital technologies to enhance member welfare and economic growth. The research employs a comprehensive literature review, case studies, and content analysis of publications from the past decade. Findings indicate that digitalization has increased operational efficiency in cooperatives by up to 40%, expanded market access, and improved transparency and accountability. However, key challenges include the persistence of the digital divide, high initial investment costs, and the need for cultural change within organizations to support digital transformation. Government support, including digital literacy training and access to financing, is crucial in accelerating this transformation process. The practical implications of this study highlight the necessity for broader digital training programs, access to low-interest financing for technology investments, and the development of adequate digital infrastructure. This research underscores significant progress in technology adoption among cooperatives and the positive socio-economic impacts that result from it. As a result, digital transformation within cooperatives holds substantial potential for fostering more inclusive and sustainable economic growth.
PENGARUH KREDIT MACET TERHADAP STABILITIAS PEMBIAYAAN MURABAHAH DI BANK BPRS MENTARI PASAMAN SAIYO UJUNG GADING Khairini, Khairini; Rahmat, Fawza; Aini, Farida; Raihani, Hulfa
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 2 (2023): Jurnal At Tasyri'i Juli Desember 2023
Publisher : STAI YAPTIP

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Abstract

Penelitian ini menjelaskan masalah apakah ada pengaruh kredit macet terhadap pembiayaan murabahah di bank BPRS Mentari Pasaman Saiyo yang dapat diukur dari jumlah kredit macet. Penelitian ini bertujuan untuk menguji secara parsial dan bagaimana kredit macet berpengaruh terhadap pembiayaan murabahah serta seberapa besar pengaruh kredit macet terhadap pembiayaan murabahah di bank BPRS Mentari Pasaman Saiyo. Setelah penelitian ini dilakukan, diharapkan akan memberikan manfaat bagi beberapa pihak diantaranya adalah memberikan masukan terhadap praktisi perbankan syari’ah, terutama kepala bagian pembiayaan dalam menentukan kebijakan dalam kredit yang paling tegas supaya kredit tidak bermasalah ataupun lancar di bank BPRS Mentari Pasaman Saiyo Ujung Gading. Dalam penelitian ini, metodologi penelitian yang digunakan adalah metode asosiatif casual dengan jenis penelitian kuantitatif. Populasi dalam penelitian ini sebanyak 38 nasabah. Teknik pengambilan sampel menggunakan sampel random sampling, teknik pengambilan data dengan wawancara, kusioner dan dokumentasi serta teknik analisis data yang digunakan dalam skripsi ini adalah uji validitas, uji reabilitas, uji normalitas, uji F dan uji T. Hasil penelitian ini menunjukkan bahwa terdapat pengaruh yang positif antara variabel kredit macet dengan variabel pembiayaan murabahah, dilihat dari hasil uji simultan atau uji F yang menunjukkan pengaruh kredit macet terhadap pembiayaan murabahah adalah sebesar 29,8% di Bank BPRS Mentari Pasaman Saiyo Ujung Gading.
Co-Authors Aulia, mesyha Suswita Fajar Budiman, Fajar Khairini, Khairini Kurniawan, Fiki Rahmat, Fawza Raihani, Hulfa Siswanto, Irvan