Today’s dynamic business environment has pushed service-oriented firms such as banks to collaborate with external partners through open innovation (OI) to address issues of service differentiation, optimize customer experience, and create effective open innovation strategies (OIS). However, the essential elements required to design OIS and the methods to manage these strategies are missing. Therefore, this study aims to investigate the strategic resources essential to creating OIS and identify the tools to manage these resources. Following the fundamentals of the resource-based view (RBV), bank openness (BOP), selection of external partners (SEP), open innovation methods (OIM), formalizing collaboration processes (FCP), and banks’ internal practices (BIP) are identified as the strategic elements required for creating OIS, and the role of big data analytics (BDA) in these strategic resources is examined. The data were collected through a survey questionnaire from 425 bank executives employed at different digital banks located in Malaysia. To achieve our research objectives, a quantitative deductive research design was employed and the collected data were processed in WarPLS using the structural equation modeling (SEM) technique to test the research hypotheses of this study. The empirical results reveal that BDA has a significant positive impact on BOP, SEP, and FCP, whereas OIM and BIP have an insignificant positive impact. The findings of this study contribute to designing a robust digital strategy to enhance the banking sector’s contribution to the development of financial industries in developing countries by employing BDA as a major strategic policy tool of OIS

Purpose: Although corporate governance vis-à-vis Shariah governance (SG) has remained a cornerstone of research in Islamic financial institutions (IFIs), little is known about the themes covered by the plethora of studies conducted in this domain. Accordingly, this research aims to unpack the major themes covered in the literature on SG from 2007 to 2023 employing bibliometric analysis technique. Design/methodology/approach: The evaluation of 440 published articles in Scopus is done through different analytical tools i.e., Gephi, VOSviewer, and Scholarcy (artificial intelligence-based research tool) to decode publication trends, outlets, performance, authors, and themes. Findings: The findings elucidate the double-digit increase in the publication, Malaysia is the leading country, Journal of Islamic Accounting and Business Research is the most popular publication outlet, and the International Islamic University (IIUM) is the spearhead institution on SG research. Our results further reveal that SG research broadly covers four main topics; significance of SG, fundamental ingredients of effective SG, impact of SG on IFIs, and latent issues in SG. Originality/novelty: This study contributes to strengthening the governance and management system of IFIs by identifying the novel research avenues.

The huge use of digital technology in Indonesia certainly has an impact on several sectors, such as the business sector or the business industry which then gives rise to online trading or e-commerce. Not only has an impact on the trading industry, but also on the Indonesian financial industry. This can be seen by the existence of financial technology (fintech) which is the result of a combination of financial services and technology which ultimately changes the business model from conventional to modern and makes people prefer the progress of fintech. The purpose of this study is to find out how the preferences of the people of Bandung City for online loans and what are the dominant factors that determine the preferences of the people of Bandung City for Online Loans. The method used in this research is descriptive quantitative. The data sources used in this research are primary and secondary data. The data collection technique is by distributing questionnaires to 100 respondents with a total of 20 statements. The sampling technique uses the snowball sampling technique. The results of the study show that the factors that determine the preferences of the Bandung City community for online loans are convenience, security, speed, and knowledge. As well as the dominant factor that determines the preferences of the people of Bandung for online loans, namely the convenience factor with the highest score of 1,586. Abstrak. Pemanfaatan teknologi digital di Indonesia yang sangat besar tentu memberikan dampak bagi beberapa sektor, seperti sektor bisnis atau industri bisnis yang kemudian memunculkan perdagangan online atau e-commerce. Tidak hanya memberikan dampak bagi industri perdagangan, tetapi juga pada industri keuangan Indonesia. Hal ini dapat dilihat dengan adanya financial technology (fintech) merupakan hasil gabungan antara jasa keuangan dengan teknologi yang akhirnya mengubah model bisnis dari konvensional ke modern dan membuat masyarakat lebih prefer terhadap kemajuan fintech. Tujuan dari penelitian ini yaitu untuk mengetahui bagaimana preferensi masyarakat Kota Bandung terhadap pinjaman online dan faktor dominan apa yang menentukan preferensi masyarakat kota Bandung terhadap pinjaman online. Metode yang digunakan dalam penelitian ini yaitu kuantitatif deskriptif. Sumber data yang digunakan dalam penelitian ini yaitu data primer dan sekunder. Teknik pengumpulan data yaitu dengan penyebaran kuesioner pada 100 responden dengan jumlah pernyataan sebanyak 20 pernyataan. Teknik penarikan sampel menggunakan teknik snowball sampling. Hasil penelitian menunjukan bahwa factor-faktor yang menentukan preferensi masyarakat Kota Bandung terhadap pinjaman online yaitu faktor kemudahan, keamanan, kecepatan, dan pengetahuan. Serta faktor dominan yang menentukan preferensi masyarakat kota Bandung terhadap pinjaman online yaitu faktor kemudahan dengan skor tertinggi sebesar 1.586.

Abstrak. Pariwisata memiliki potensi besar untuk meningkatkan Pendapatan Asli Daerah, yang akan berdampak positif pada keuangan daerah. Jawa Tengah, terutama Kabupaten Kebumen, menawarkan peluang yang menarik di sektor ini, terutama di Pantai Suwuk. Penelitian ini dilakukan dengan metode deskriptif kuantitatif yang menggunakan analisis data berbasis skoring dan persentase dari hasil kuesioner skala Likert, juga dengan penyusunan analisis SWOT. Penelitian tersebut menemukan bahwa kekuatan Pantai Suwuk terletak pada keindahan alam, suasana sejuk, lokasi yang strategis, fasilitas seperti wahana, Coastguard, area bahaya, tiket dengan harga terjangkau, kebersihan pantai, petunjuk arah, dan juga tersedianya tempat ibadah. Kelemahan termasuk terbatasnya tempat menginap, minimnya pemandu wisata, warung yang sederhana, jarangnya transportasi, tidak adanya CCTV, layanan kesehatan yang jauh, minimnya promosi, investasi, dan fasilitas penitipan barang. Peluang yang ada mencakup dukungan dari komunitas, fasilitas umum, aksesori yang unik, jalan tol yang tersedia, transportasi menuju pantai, kebijakan pemerintah, dan juga partisipasi dari UMKM. Bahaya yang harus diwaspadai termasuk pungutan ilegal, persaingan dengan destinasi wisata lain, kerusakan lingkungan di area pantai, jalan berliku, dan ombak tinggi. Disarankan untuk menerapkan strategi pengelolaan dengan menggunakan pendekatan S-O yang melibatkan kolaborasi antara masyarakat, pemerintah, dan sektor swasta. Tourism has great potential to increase Local Revenue, which will have a positive impact on regional finances. Central Java, especially Kebumen Regency, offers interesting opportunities in this sector, especially in Suwuk Beach. This study was conducted using a quantitative descriptive method using scoring and percentage-based data analysis from the results of a Likert scale questionnaire, as well as the preparation of a SWOT analysis. The study found that the strengths of Suwuk Beach lie in its natural beauty, cool atmosphere, strategic location, facilities such as rides, Coastguard, danger areas, affordable tickets, beach cleanliness, directions, and the availability of places of worship. Weaknesses include limited accommodation, lack of tour guides, simple stalls, lack of transportation, no CCTV, distant health services, lack of promotion, investment, and storage facilities. Opportunities include community support, public facilities, unique accessories, available toll roads, transportation to the beach, government policies, and participation from MSMEs. Dangers to watch out for include illegal levies, competition with other tourist destinations, environmental damage in the coastal area, winding roads, and high waves. It is recommended to implement a management strategy using the S-O approach which involves collaboration between the community, government and private sector.

The objective of this article is to provide an overview of the performance of Waqf Micro Banks in terms of economic empowerment for the people. The research method employed is descriptive quantitative, utilizing the literature survey approach. The analysis of data published by the OJK (Financial Services Authority) on the distribution of financing by Waqf Micro Banks reveals significant development. In 2009, the recorded compulsory data on Waqf Micro Banks financing in Indonesia amounted to 37,326.8 billion Rupiah. By 2022, this figure increased to 82,491.8 billion Rupiah, marking a substantial growth of 120.9% over a span of four years. Considering the number of customers served by Waqf Micro Banks across 18 provinces in Indonesia, there were 21,469 individuals in 2019. However, in 2022, this number rose to 36,639 individuals, indicating a 70.66% increase within the same period. These findings demonstrate the effectiveness of empowering productive waqf through non-bank financial institutions via the provision of financing for microentrepreneurs in various regions. Keywords: productive Waqf, boarding, empowerment, Waqf micro banks

PT. Bank Rakyat Indonesia is one of the state-owned banking companies whose financial performance is always superior to other state-owned banks because its main activities focus on the MSME segment, where MSMEs are proven to have great capabilities at improving community welfare and the country's economic growth. As one of the state-owned banks in Indonesia, BRI bank must be able to maintain financial performance, which indicates that BRI bank is a healthy bank. Based on this phenomenon, the problem in this research is formulated as follows: (1) Is there a relationship between CAR and ROA? (2) Is there a relationship between LDR and ROA? (3) Is there a relationship between CAR and LDR on ROA? Researchers used descriptive quantitative research methods. In this case, researchers want to know whether there is an influence of CAR and LDR on ROA at BRI bank. Meanwhile, the type of data used is time series data. The source is data in Bank BRI's financial reports for 2013-2023. Secondary data was obtained by researchers from BRI Bank's financial report data for 2013-2023. This data was obtained by researchers indirectly, or through intermediary media, namely the official BRI Bank website. The results of this research are: The CAR and LDR variables together have a significant effect on ROA. Abstrak. PT. Bank Rakyat Indonesia merupakan salah satu perusahaan perbankan BUMN yang kinerja keuangannya selalu paling unggul dibanding Bank BUMN lainnya karena kegiatan utamanya berfokus pada segmen UMKM, dimana UMKM terbukti mempunyai kemampuan besar dalam meningkatkan kesejahteraan masyarakat dan pertumbuhan ekonomi negara. Sebagai salah satu bank BUMN di Indonesia, bank BRI harus mampu menjaga kinerja keuangan yang menandakan bahwa bank BRI merupakan bank yang sehat.. Berdasarkan fenomena tersebut, maka permasalahan dalam penelitian ini dirumuskan sebagai berikut: (1) Apakah terdapat hubungan antara CAR terhadap ROA? (2) Apakah terdapat hubungan antara antara LDR terhadap ROA? (3) Apakah terdapat hubungan antara antara CAR dan LDR terhadap ROA?. Peneliti menggunakan metode metode penelitian kuantitatif deskriptif. Dalam hal ini peneliti ingin mengetahui apakah terdapat pengaruh CAR dan LDR terhadap ROA di bank BRI. Sedangkan jenis data yang digunakan ialah data time series. Sumber berupa data pada laporan keuangan Bank BRI tahun 2013-2023. Data sekunder didapatkan peneliti data laporan keuangan Bank BRI tahun 2013-2023. Data ini diperoleh oleh peneliti dengan tidak langsung, atau melalui media perantara yaitu laman resmi Bank BRI. Hasil dari penelitian ini adalah: Variabel CAR dan LDR secara bersama-sama berpengaruh signifikan terhadap ROA.