Pandemi covid 19 di tahun 2020 sangat berdampak pada perekonomian nasional. Beberapa indikator makro ekonomi menunjukkam angka yang tidak biasa. Penelitian ini menggunakan pendekatan analisis deskriptif terhadap empat indikator makro ekonomi yaitu pruduk domestik bruto (PDB), BI rate, jumlah uang beredar, dan inflasi. Data penelitian dikumpulkan melalui dokumentasi dari studi kepustakaan. PDB mengalami kontraksi di angka negatif sebesar (-2,07)%. Angka terendah sejak 1998 yang mengalami pertumbuhan negatif (13,13%). Dari sisi moneter, bank indonesia konsisten  menurunkan atau mempertahankan tingkat suku bunga BI Rate pada angka 3,75%. Angka terendah dibanding dengan tahun-tahun sebelumnya. Jumlah uang beredar menunjukkan posisi cukup ironis, dimana mengalami kenaikan cukup signifikan pada desember 2020 sebesar 6.900 triliun rupiah dari 6.136,6 triliun pada bulan yang sama di tahun 2019. Dari sisi nominal, ini adalah kenaikan terbesar dalam satu tahun dibanding dengan tahun-tahun sebelumnya. Sementara, inflasi pada angka 1,68% atau terendah setelah era reformasi tahun 1998. Daya beli masyarakat yang menurun, mengakibatkan permintaan konsumtif juga menurun sehingga menurunkan harga barang atau jasa secara aregat.

Islamic banks as one of the MSME stakeholders, must participate in helping and resurrecting MSMEs so that they can grow and develop like their normal conditions. This research uses a descriptive approach by using secondary data from Islamic banking statistics during the COVID-19 period (March 2020 to February 2022. Data analysis used reduction, display, and descriptive analysis techniques. The results showed that the role of Islamic banks during the COVID-19 pandemic was manifested in three ways, namely 1) as a distributor of assistance from the government, 2) providing financing restructuring, and 3) encouraging increased financing for MSMEs. The development of Islamic bank financing during the COVID-19 pandemic was relatively stable and even had an average increase compared to the pre-covid-19 period. The increase in working capital financing was by 21%, while the average investment financing increased by 31.72%. The NPF ratio of Islamic banks during the COVID-19 pandemic on a monthly average was above the maximum standard set by Bank Indonesia for this type of working capital financing, which was 5.05%. On the other hand, the NPF ratio of working capital financing above 5% also occurred 15 times in 24 months of observation. Meanwhile, the NPF ratio for investment financing during the COVID-19 period was, on average, below Bank Indonesia's standard of 4.05%. However, in certain months it shows that the NPF ratio for investment financing is still above 5%. This must be a concern because Islamic banks are considered not to apply the principle of prudence in providing financing.

Penelitian ini dilakukan untuk mengisi kekosongan dari penelitian sebelumnya mengenai digitalisasi Usaha Mikro Kecil dan Menengah (UMKM). Digitalisasi UMKM pada penelitian sebelumnya kebanyakan berbicara dari perspektif pemangku kebijakan. Penelitian ini hadir untuk menggali faktor penggunaan Platform pembayaran digital dari sisi pelaku Usaha Mikro Kecil (UMK) kreatif itu sendiri. Metode yang digunakan adalah purposive sampling dengan memperhatikan sample jenuh. Hasil penelitian didapatkan tiga hal yang menjadi faktor rendahnya penggunaan platform pembayaran digital bagi UMK kreatif. Ketiga faktor tersebut adalah literasi keuangan, infrastruktur, dan literasi digital. Temuan penting selanjutnya adalah hal penting pemicu ketiga faktor yang disebutkan adalah tingkat pendidikan rendah dari pelaku UMK KreatifThis research was conducted for research from previous research regarding the digitization of Micro, Small and Medium Enterprises (MSMEs). The digitization of MSMEs in previous studies mostly spoke from the perspective of policy makers. This research is here to find factors in the use of digital payment platforms from the side of creative Micro Small Business (UMK) actors themselves. The method used is purposive sampling by paying attention to saturated samples. The results of the study found three factors that contributed to the low use of digital payment platforms for creative MSEs. The third factor is financial literacy, infrastructure, and digital literacy. The next important finding is the important thing that triggers the three factors mentioned is the low level of education of Creative UMK actors.

This study analyzes the factors affecting Non-Performing Financing (NPF) in the sharia bank in Indonesia. The independent variable in this research uses microeconomic variables such as Capital Adequacy Ratio (CAR), Return on Assets (ROA), Financing to Deposit Ratio (FDR), Productive Financing Ratio (PFR), and Earning Asset Quality (EAQ). The sample used in this research is all population of Sharia Commercial Bank in Indonesia. The data used in this study were obtained from the Sharia Banking Statistics Report issued by the Financial Services Authority (Otoritas Jasa Keuangan - OJK) with the observation period from 2015 to 2017. The results showed that simultaneously CAR, ROA, FDR, PFR, and EAQ significantly influence NPF. Partially only variable FDR and EAQ which have the positive and significant influence to NPF, while CAR, ROA, and PFR has no significant effect on NPF.

Pemanfaatan kemajuan teknologi dalam bidang keuangan semakin berkembang pesat. Inovasi teknologi mendatangkan proses transaksi keuangan yang lebih praktis, salah satunya diaplikasikan pada pinjaman online. Pelaksanaan kegiatan Pengabdian kepada Masyarakat (PkM) dilatarbelakangi maraknya pinjaman online yang ditawarkan kepada masyarakat tetapi tidak diimbangi dengan pengetahuan masyarakat terhadap pinjaman online itu sendiri. Sehinngga menyebabkan beberapa diantara anggota Ibu-Ibu PKK terjebak pada permasalahan pinjaman online. Tujuan kegiatan PkM adalah memberikan edukasi kepada masyarakat seputar keuangan digital yang terfokus pada materi pinjaman online. Pelaksanaan pada kegiatan PkM dilakukan secara langsung pada hari Sabtu, 13 Agustus 2022 bertempat di kediaman Ibu Ketua PKK di Desa Jebol Kecamatan Mayong Kabupaten Jepara. Hasil kegiatan PkM ini menjelaskan bawa pemahaman literasi seputar keuangan digital khususnya pada pinjaman online sangat bermanfaat untuk kelompok Ibu-Ibu PKK, hal terlihat dari hasil survei tingkat kepuasan peserta sebesar 83% menyatakan sangat puas atas terselenggaranya kegiatan PkM ini. The use of technological advances in the financial sector is overgrowing. Technological innovations bring about a more practical financial transaction process, one of which is applied to online loans. The implementation of community service activities (PkM) is motivated by the rise of online loans being offered to the public but not balanced with the public's knowledge of online loans. So that caused some of the PKK members to get stuck in online loan problems. The purpose of community service activities (PkM) is to educate the public about digital finance, which focuses on online material loans. The implementation of PkM activities is carried out through 3 stages: introduction, implementation and evaluation. The results of this PKM activity explain that understanding digital finance literacy benefits groups of PKK mothers, especially online loans. This can be seen from the survey results; satisfaction level of participants of 83% stated that they were very satisfied with implementing this PkM activity.