The purpose of this activity is to conduct an assessment by identifying and providing solutions to the border industry in Joho, Condong Catur, Yogyakarta. The methods employed in this community service program were observation, interviews, and Focus Group Discussion (FGD). The result obtained was the formation of a need assessment pattern to increase business capacity through organizational improvement, improvement of job competencies, and individual competencies. Education, training, and mentoring are required for an increased organization to create a strategy and corporate values. Providing education, training, and mentoring is a business management requirement to increase work competence and individual competence by improving product quality and creative and innovative human resources.

ABSTRAKPenelitian ini bertujuan untuk menganalisa perkembangan jumlah outlet kantor cabang dan kebutuhan frontliners di Era Digital Banking(studi kasus di Bank Syariah Anak Perusahaan dan Unit Usaha Syariah Bank BUMN di Yogyakarta). Hasil penelitian menunjukkan selama tahun 2015 sampai tahun 2018 jumlah outlet Kantor bank syariah di Yogyakarta dan jumlah teller tidak menunjukkan perkembangan tetapi juga tidak ada pengurangan. Sedangkan customer service ada penambahan karena jumlah tenaga marketing bank yang bertambah. Kebutuhan industri perbankan untuk saat ini adalah tenaga pemasar, sedangkan frontliners selama 3 tahun belum ada penambahan kebutuhan tenaga kerja. Sehingga bagi dunia pendidikan bisa menyesuaikan kurikulum pendidikannya agar dapat menyesuaikan kebutuhan industri. Kata kunci : Digital Banking, Bank Syariah, Kantor Cabang Bank, Frontliners.Abstract The research aims to analyze the development of branch offices and the need of frontliner in the digital banking era (case study in subsidiary Syariah Bank and Businees Unit of Syariah Bank in Yogyakarta). The result of the research shows during the research the number of syariah bank outlets reaches the same. The research mentions a need for the position of customer service increases as it is in line with the increasing number of marketing staffs. Frontliner’s position still remains the same. Suggestion for those dealing with education field is to adjust its curriculum in order to balance with the need for industry. Key Words: Digital Banking, Bank Syariah, Branch Banking, Frontliners.

Penelitian ini bertujuan untuk menjelaskan pengembangan pendidikan bagi SDM di industri perbankan yaitu Bank BRI melalui BRI Corporate University. Salah satu indutri perbankan yang telah memiliki Corporate University adalah Bank BRI. Pendekatan yang digunakan peneliti adalah dengan deskriptif-kualitatif melalui sumber data primer dan data sekunder. Sampel yang diambil adalah BRI Corporate University Regional Campus Yogyakarta yang membawahi wilayah DIY dan Jawa Tengah. Metode pengumpulan data di lokasi penelitian terhadap objek yang diteliti dengan cara : 1) Interview atau wawancara kepada pejabat Bank BRI Corporate University Regional Campus Yogyakarta 2). Observasi, yaitu dengan melakukan pengamatan langsung ke berbagai kegiatan yang menjadi objek penelitian di Bank BRI Corporate University Regional Campus Yogyakarta. Hasil penelitian menunjukkan bahwa pengembangan pendidikan SDM melalui BRI Corporate University memiliki keunggulan yaitu untuk 1) peningkatan pengetahuan dan teknologi, 2) memenangkan persaingan bisnis, 3) peningkatan karier pegawai, serta 4) mencapai efektifitas dan efisiensi biaya pendidikan. Strategi pengembangan SDM Bank BRI melalui BRI Corporate University dengan menggunakan 1) Platform pendidikan BRI Corporate University melalui self-learning dan in class learning 2) Metode pendidikan BRI Corporate University yaitu dengan metode on the job training, 3) klasifikasi program pendidikan BRI Corporate University melalui program enhancement dan development.

Objective: This study aims to analyze the influence of macroeconomic factors, namely gross domestic product growth, inflation, interest rates, and the exchange rate of the US dollar on the financial distress of companies going public in ASEAN countries. Theoretical Framework: gross domestic product has a negative effect on financial distress, while inflation, interest rates, and the US dollar exchange rate have a positive effect on it. Market as a control variable negatively affects financial distress. Method: This study uses a sample of 3,285 nonfinancial-going public companies in ASEAN countries from 2009 to 2023 (15 years). This study uses secondary data, in the form of data on the company's annual financial statements. Results and Discussion: The findings reveal that high inflation and interest rates significantly contribute to financial distress, aligning with the Sustainable Development Goals (SDGs) aimed at fostering economic stability and resilience. This study's results indicate that, both collectively and by nation, Gross Domestic Product (GDP) growth positively and significantly affects the financial distress of publicly listed companies in ASEAN. The inflation and interest rates, both collectively within ASEAN and individually by country, exert a negative and significant influence on the financial distress of publicly listed companies in the region. The exchange rate of the US dollar, both in ASEAN as a whole and in nations other than Vietnam, adversely and significantly affects the financial distress of publicly listed companies in ASEAN. Finally, the market, as a control variable, has a positive and significant effect on the financial distress of publicly listed firms in ASEAN, both collectively and per nation, with the exception of Singapore. Research Implications: The limitations of this study lie in the use of macroeconomic factors to examine their influence on financial distress in publicly listed companies in ASEAN. This study is also restricted to non-financial publicly listed companies. While this research provides valuable insights into the impact of macroeconomic factors on financial distress, it is important to acknowledge its limitations and consider the practical implications for various stakeholders. Originality/Value: The results of this study not only back up what other research has found, but they also help us learn more about how macroeconomic factors, including GDP growth, inflation rate, interest rate, US dollar exchange rate, and capital market conditions, affect firms' finances. This study's novelty is rooted in its comparative approach to analyze data from different ASEAN countries, which provides greater insight into how macroeconomic factors play a role in different contexts.

Penelitian ini bertujuan untuk memprediksi kebangkrutan dan tingkat kesehatan bank syariah kelompok bank modal inti 1 sehingga dapat ditentukan strategi penambahan modal inti berdasarkan Peraturan OJK Nomor 12/POJK.03/2020 tentang Konsolidasi Bank Umum yang menetapkan modal inti minimal Rp 3 triliun pada 31 Desember 2022. Masih terdapat 5 bank syariah KBMI 1 yaitu PT Bank BCA Syariah, PT Bank Mega Syariah, PT Bank Panin Dubai Syariah Tbk, PT Bank Victoria Syariah, dan PT Bank Aladin Syariah Tbk. Penelitian ini menggunakan analisis Z-Score, CAMEL dan RGEC. Hasil yang diperoleh yaitu 1) KBMI 1 dapat menggunakan analisis Z-Score untuk memprediksi kesulitan keuangan/ kebangkrutan dan tingkat kesehatan bank dengan analisis CAMEL dan RGEC. 2) Bank syariah KBMI 1 agar mengupayakan penambahan modal inti pada trisemester IV 3) Bagi bank syariah dengan hasil penilaian sehat dan grey area dapat meminta bank induknya untuk menambah modal inti. 4) Bagi bank syariah yang hasil predikatmya kurang sehat ataupun cukup sehat, bisa mencari investor dari bank atau perusahaan lain baik dari dalam negeri ataupun luar negeri. 5) Bagi bank syariah yang sudah listing di BEI bisa menerbitkan kembali saham baru atau right issue. 6) Alternatif terakhir adalah mengikuti skema yang disarankan OJK melalui skema penggabungan, peleburan, atau integrasi.