Judul: The Impact of Disruptive Innovation and Organizational Characteristics on the Resilience of Banking Financial Performance during the Crisis: Case Study at Bank BJB Syariah
Abstrak: Banks face greater and tighter competition, with an environment that increasingly emphasizes the digitalization process. Bank BJB Syariah has not been able to utilize its potential to grow. In general, the existence of Bank Bjb Syariah which is still very minimal can also be seen from the aspect of market share compared to Islamic banking in general. The achievement of Bank BJB Syariah's financial performance during the 2019-2021 period tends to stagnate. Therefore, disruptive innovations are needed and organizations with characteristics that are able to adapt to such fast environmental dynamics are also needed so that the sustainability of Bank BJB Syariah's business is maintained. This study aims to explain disruptive innovation, organizational characteristics, and the condition of the resilience of Bank BJB Syariah's financial performance in general during the crisis; analyze the effect of disruptive innovation and organizational characteristics on the resilience of Bank BJB Syariah's financial performance in general during the crisis. The time of this research was conducted within one year, namely 2021. Data collection in this study was carried out using a questionnaire filling mechanism carried out by all representatives of 53 Sub-Branch Office leadership-level officials online using the census method, as well as observation. The population sample in this study amounted to 53 people, consisting of leaders or representatives from 53 Sub-Branch Offices at BJB Syariah banks throughout Indonesia. The data obtained in the study were analyzed using PLS- SEM (Partial Least Square - Structural Equation Modeling). The results showed that disruptive innovation, organizational characteristics, and the resilience of Bank BJB Syariah's financial performance during the crisis showed a diversity of perspectives that opened up ample room for further discussion and research. Disruptive innovation and organizational characteristics are proven to simultaneously improve the resilience of Bank BJB Syariah's financial performance during the crisis. This study also found that there are important priorities for management to be able to improve the resilience of financial performance, including ensuring the achievement of financial performance based on ROE, BOPO, and FDR in accordance with the target.
Keyword: Disruptive Innovation, Financial Performance, Organizational Characteristics, SEM-PLS

Judul: Determinants of Islamic and Conventional Banking Insolvency Risk: Study Case in Indonesia
Abstrak: Risiko insolvensi memiliki peran penting dalam perkembangan dan keberlanjutan industri perbankan. Penurunan kinerja keuangan akibat pandemi Covid-19 mengindikasikan bank rentan terhadap risiko insolvensi. Tujuan penelitian adalah untuk mengidentifikasi perkembangan dan menganalisis determinan risiko insolvensi pada perbankan syariah dan konvensional periode 2018 sampai 2023. Metode yang digunakan adalah Z-score, X-score, G-score dan regresi data panel. Hasil penelitian menunjukkan faktor internal yaitu Loans to Assets pada Bank Umum Konvensional (BUK) Big Four berpengaruh negatif signifikan, Cost Income Ratio pada BUK berpengaruh negatif signifikan, Income Diversity tidak berpengaruh signifikan dan Total Aset pada Bank Umum Syariah (BUS) berpengaruh positif signifikan terhadap nilai Z-score. Faktor eksternal yaitu Produk Domestik Bruto pada BUS dan BUK berpengaruh negatif signifikan dan Suku Bunga pada BUK berpengaruh positif signifikan terhadap nilai Z-score. Perbankan syariah dan konvensional perlu menjaga tingkat kesehatan bank melalui penguatan permodalan, mempertahankan faktor-faktor yang signifikan terhadap Z score serta penelitian lanjutan dengan variabel dan objek yang lebih beragam untuk efisiensi dan stabilitas yang lebih baik., Insolvency risk has an important part in the development and sustainability of the banking industry. The fall in financial parameters due to the Covid-19 outbreak suggests that banks are at risk of insolvency. The purpose of study is to detect and assess developments in insolvency risk in Islamic and conventional banking between 2018 and 2023. Z-score, X-score, G-score, and panel data regression were the methods used. The results indicate that internal factors, namely Loans to Assets at the Big Four Conventional Commercial Banks (BUK), Cost Income Ratio at BUK, Income Diversity, and Total Assets at Islamic Commercial Banks (BUS), have a significant negative effect on the Z-score value. External factors, namely Gross Domestic Product at BUS and BUK, have a substantial negative effect, and Interest Rates at BUK have a significant positive effect on the Z-score value. Islamic and conventional banking must preserve the bank's health by increasing capital, retaining factors important to the Z-score, and conducting additional research with more diversified variables and objects to improve efficiency and stability.
Keyword: BUK, BUS, determinants of insolvency risk

Judul: Seleksi Kapang Mucor untuk Produksi Minyak Mengandung Asam Gamma Linolenat dengan Sistem Fermentasi Padat pada Media Onggok - Ampas Tahu dan Onggok - Dedak Padi
Abstrak: Minyak mikroba atau minyak sel tunggal mengandung asam lemak tak jenuh jamak tertentu seperti asam gamma linoleat (GLA) dan eikosapentaenoat (EPA). GLA adalah asam lemak omega - 6 yang merupakan turunan asam linoleat. Asam linoleat merupakan asam lemak esensial sehingga harus disuplai dari makanan.
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