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: Performance Assessment of Bank XYZ Using the Balanced Scorecard Approach in the Covid 19 Pandemic Era
Abstrak: Industri bisnis perbankan syariah harus memiliki manajemen kinerja yang maksimal sebagai penunjang produktivitas yang optimal. Perbankan syariah juga perlu melakukan penilaian kinerjaguna mengevaluasi serta mengambil keputusan manajemen untuk meningkatkan kinerja sehingga dapat meningkatkan produktivitas perusahaan. Kinerja bank syariah di Indonesia akibat pandemi covid 19 mengalami penurunan. Hal ini menarik peneliti melakukan penelitian yang bertujuan untuk meneliti penilaian kinerja Bank XYZ era pandemi covid 19 sebagai bank syariah pertama di indonesia dan pengaruh perspektif pelanggan, proses bisnis internal, serta pembelajaran dan pertumbuhan terhadap perspektif keuangan Bank XYZ . Metode penelitian yang digunakan dengan pendekatan balanced scorecard dan analisis regresi berganda. Alat analisis yang digunakan adalah software microsoft excel dan SPSS. Data yang digunakan adalah data primer berupa kuesioner dan wawancara serta data sekunder berupa laporan keuangan tahun 2008-2021. Hasil penelitian menunjukkan bahwa Penilaian kinerja Bank XYZ dengan metode balanced scorecard saat era pandemi masih dibawah skor maksimal 4. Hal ini karena indikator keuangan ROA, ROE, FDR, NPM, dan NPF Bank XYZ masih dalam kategori belum ideal, indikator pelanggan kepuasan pelanggan, pertumbuhan pelanggan, profitabilitas konsumen, dan market share belum maksimal, indikator proses bisnis internal pertumbuhan bisnis growth rate kantor dan ATM masih kurang diimbangi dengan inovasi, serta indikator pembelajaran dan pertumbuhan kepuasan karyawan, produktivitas karyawan, dan turnover employee belum efisien. Pengaruh perspektif pelanggan terhadap perspektif keuangan adalah negatif dimana semakin tinggi perspektif pelanggan maka akan menurunkan perspektif keuangan dalam indikator dana pihak ketiga yang akan disalurkan melalui pembiayaan. Pengaruh perspektif proses bisnis internal terhadap perspektif keuangan adalah negatif dimana semakin tinggi perspektif proses bisnis internal maka akan menurunkan perspektif keuangan dalam indikator jumlah kantor dan ATM guna efesiensi beban operasional. Pengaruh perspektif pembelajaran dan pertumbuhan terhadap perspektif keuangan adalah positif dimana semakin tinggi perspektif pembelajaran dan pertumbuhan maka akan meningkatkan perspektif keuangan dalam indikator produktivitas karyawan., The Islamic banking business industry must have maximum performance management to support optimal productivity. Islamic banking also needs to conduct performance appraisals to evaluate and make management decisions to improve performance so as to increase company productivity. The performance of Islamic banks in Indonesia due to the Covid 19 pandemic has decreased. This is interesting for researchers to conduct research that aims to examine the performance appraisal of Bank XYZ during the Covid 19 pandemic as the first Islamic bank in Indonesia and the influence of the customer perspective, internal business processes, and learning and growth on the financial perspective of Bank XYZ . The research method used is the balanced scorecard approach and multiple regression analysis. The analysis tools used are Microsoft Excel and SPSS software. The data used is primary data in the form of questionnaires and interviews as well as secondary data in the form of financial reports for 2008-2021. The results showed that the performance assessment of Bank XYZ using the balanced scorecard method during the pandemic era was still below the maximum score of 4. This was because the financial indicators ROA, ROE, FDR, NPM and NPF of Bank XYZ were still in the not ideal category, indicators of customer satisfaction , customer growth, consumer profitability, and market share have not been maximized,
Keyword: Balanced Scorecard, Islamic Banking, Management, Performance

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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