Judul: Analisis Pengaruh Financial Technology (fintech) terhadap Kinerja Keuangan Bank Pembiayaan Rakyat Syariah (BPRS)
Abstrak: Teknologi finansial (fintech) dikenal sebagai solusi atas jumlah masyarakat yang tidak terlayani bank yang dikenal sebagai penduduk unbanked dan kategori underbanked di industri keuangan, termasuk Bank Perkreditan Rakyat Syariah (BPRS). Namun, tren peningkatan pembiayaan yang diluncurkan BPRS setelah munculnya fintech tidak selalu memberikan peningkatan kinerja keuangan BPRS. Tujuan penelitian ini adalah untuk mengidentifikasi karakteristik perusahaan fintech dan Bank Perkreditan Rakyat Syariah (BPRS), dan enganalisis pengaruh industri fintech terhadap kinerja keuangan BPRS. Penelitian ini menggunakan metode Autoregressive Distributed Lag (ARDL). Hasil penelitian menunjukkan bahwa terdapat persamaan dan perbedaan karakteristik antara perusahaan fintech dengan juga Bank Perkreditan Rakyat Syariah (BPRS). Rasio kecukupan modal dan fintech aset berpengaruh signifikan terhadap kinerja keuangan Bank Perkreditan Rakyat Syariah (BPRS) dalam jangka pendek. Sementara dalam jangka panjang, ukuran fintech mempengaruhi kinerja keuangan Bank Perkreditan Rakyat Syariah (BPRS), Financial technology (fintech) is known as a solution to some people who are not served by banks, or known as unbankable population and the underbanked category in the financial industry, including Islamic Rural Banks(BPRS). However, the increasing trend of financing disbursed by BPRS after the emergence of fintech does not always provide an improvement in the financial performance of BPRS. The purpose of this study is to identify the characteristics of fintech companies and Islamic Rural Banks (BPRS), and analyze the effect of the fintech industry on the financial performance of Islamic Rural Banks. This study used the Autoregressive Distributed Lag (ARDL) as the method. The results showed that there are similarities and differences in the characteristics between fintech companies and also Islamic Rural Banks (BPRS). Capital adequacy ratio and the fintech asset significantly affect the financial performance of the Islamic Rural Bank (BPRS) in the short term. While in the long term, the fintech asset affects the financial performance of the Islamic Rural Bank (BPRS)
Keyword: ARDL, kinerja keuangan, Bank Pembiayaan Rakyat Syariah, fintech

Judul: Strategi Pengembangan Financial Technology (Fintech) pada Bank Perekonomian Rakyat Syariah (BPRS) di Indonesia
Abstrak: AISY YUNITA. Strategi Pengembangan Financial Technology (Fintech) pada Bank Perekonomian Rakyat Syariah (BPRS) di Indonesia. Dibimbing oleh RESFA FITRI. Perkembangan teknologi dan informasi memberikan pengaruh yang signifikan terhadap industri keuangan. Hadirnya fintech di industri keuangan telah merevolusi layanan keuangan menjadi lebih modern dan inovatif. Salah satu industri jasa keuangan tradisional yang harus beradaptasi menghadapi fintech adalah Bank Perekonomian Rakyat Syariah (BPRS). Tujuan dari penelitian ini adalah untuk mengidentifikasi kekuatan, kelemahan, peluang, dan ancaman serta merumuskan strategi inovasi untuk pengembangan fintech pada Bank Perekonomian Rakyat Syariah (BPRS). Metode penelitian yang digunakan adalah SWOT – ANP (Strengths, Weaknesses, Opportunities, and Threats – Analytic Network Process). Hasil penelitian menunjukkan bahwa aspek kekuatan yang menjadi prioritas bagi BPRS dalam menghadapi perkembangan financial technology adalah prosedur pelayanan yang mudah dan cepat, mengutamakan prinsip kepatuhan syariah dan kehati-hatian, customer relationship, memahami karakteristik masyarakat lokal, dan adanya Dewan Pengawas Syariah (DPS). Strategi yang dianggap menjadi prioritas utama dalam pengembangan fintech pada BPRS adalah peningkatan inovasi dan keragaman produk pembiayaan.
Keyword: ANP, BPRS, fintech, Strategi, SWOT

Judul: Insecticidal Activity of Essential Oils Leaves of Cinnamomum spp. (Lauraceae) against Crocidolomia pavonana and Their Phytotoxicity on Broccoli Seedlings
Abstrak: Essential oils from leaves of 13 species of Cinnamomum were tested for their insecticidal activity on the cabbage head caterpillar Crocidolomia pavonana with leaf immerse method. The results showed that the treatment with 1% (w/v) essential oils leaves of C. celebicum, C. multiflorum, C. sintoc, and C. verum caused 21.45, 93.65, 60.30, and 76.10% mortality, respectively. Based on the results of phytotoxicity and insecticidal activity tests, C. multiflorum oil was further tested at 6 concentration levels. In all treatments, larval mortality has occurred at 24 hours after treatment (HAT) and increased at 48 HAT. LC50 of C. multiflorum oil at 24 and 48 HAT was 0.504 and 0.396%, respectively. The treatment with C. multiflorum oil at ≤0.31% did not inhibit the development of C. pavonana larvae. Determination of the chemical constituents of Cinnamomum oils were carried out by gas chromatography-mass spectrometry (GCMS). Totally, 345 compounds were identified. Methyleugenol constituted the main component (49.4%) of leaf essential oil of C. multiflorum and was assumed to be responsible for the insecticidal activity of the oil against C. pavonana larvae. LC50 of pure methyleugenol obtained at 0.365% (48 HAT) and 0.363% (72 HAT). The results showed that C. multiflorum was more effective with LC50 value equivalent to methyleugenol content of 0.32% (24 HAT) and 0.24% (48 HAT).
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