Maintaining Baitul Maal Wat Tamwil (BMT) sustainability as an Islamic microfinance institution is very important because it can reduce poverty and increase economic growth. However, institutions usually face challenges, like the COVID-19 pandemic, which negatively impacts their sustainability. Therefore, the only way to keep such institutions functional and ensure financial progress is by practising risk management. Qualitative studies performed to analyze the lenitive effects of the risk management practices undertaken by BMT Maslahah Pasuruan and East Java due to the COVID-19 pandemic. Data collection conducted using interview techniques, documentation, and FDG (Forum Group Discussion). The results show that BMT has taken preventive steps in managing the risk. They optimized their marketing funding strategies to balance their outflows and members and cut down their cost, therefore overcoming financing inflow. Placement and distribution carried out selectively, using the suitable method and reserve losses on default debtors to avoid serious risks.

This study aimed to examine the impact of financial performance expressed in ROA and NPF on financial sustainability with institutional ownership as a moderating variable for Islamic banks in Indonesia. Quantitative research is used in this study using related methods. The research target is all Islamic commercial banks in Indonesia registered with the Financial Services Authority (OJK). Sampling used the purposive sampling method and resulted in nine Islamic commercial banks in Indonesia. The data in this study is secondary data in the form of annual financial reports from 2015 to 2019. Panel data regression analysis was used with SPSS version 25 software for data analysis. The results showed that ROA had a significant positive effect on financial sustainability. And, NPF has a significant negative impact on financial sustainability. Meanwhile, institutional ownership weakens the relationship between ROA and financial sustainability and does not have a moderating role in the relationship between NPF and financial sustainability. The coefficient of determination test shows that ROA, NPF, and the moderating role of institutional ownership can explain the 75.6% relationship on financial sustainability.

<p><em>Increasing entrepreneurial spirit requires new breakthroughs. The aim is to increase entrepreneurial spirit to students in business establishments. The development of a microfinance mentoring model based on entrepreneurship can educate students to participate in reducing the number of poverty and unemployment. The purpose of this study was to design a microfinance mentoring model for entrepreneurship-based students at the El Dinar Finance House Laboratory. Financing assistance model uses matching programs to courses related to finance and business, for example, the business plan courses that are followed by students of entrepreneurial concentration and financing analysis courses followed by students of financial concentration. Lecturers in each courses coordinate with the laboratory team regarding real-time mentoring and evaluation of student practice. The assistance carried out by El-Dinar Finance House is 1) Monitor the mutation of the customer's bank account, 2) Monitor the repayment of installments, 3) visit the customer's business location to directly monitor the business operations and business development (financial statements), 4) monitor against the development of similar businesses through mass media or other media.</em></p><p><em> </em></p>

This research is motivated by the Entrepreneur Community Program's existence as support for entrepreneurship courses in the Islamic Banking Department, Faculty of Economics, UIN Maulana Malik Ibrahim Malang to produce graduates who have high selling value, entrepreneurship, and creativity to be able to compete. The learning approach in the program is Project-Based Learning. This study aimed to analyze the level of student creativity before and after participating in the Entrepreneur Community Program. The number of participants was 75 students from the concentration of entrepreneurs in the observation year. Data analysis used nonparametric statistics with Paired-Samples T-Test in testing the creativity of the respondent level before and after treatment and assessing the creativity level of students based on the results of the creativity score generated from the total score filled by respondents divided by the total maximum score of each statement and outlined in the form proportion. The breakthrough research results showed that there were differences in the level of students before and after treatment. The treatment here means that students take part in the entrepreneurial community program with Project-Based Learning. They increased student creativity from 70% to 83%. The level of student creativity before treatment was in the medium category. Moreover, after getting the treatment is in the high category. Thus, project-based learning through the Entrepreneur Community Program in Islamic Banking Department, Faculty of Economics can increase student entrepreneurial creativity.

State-owned sharia commercial banks are the highest assets of Islamic banking in Indonesia. As a financial institution operating in a country that operates a dual banking system, it is required to compete with conventional banking. Facing fairly fierce competition, Islamic banking is required to manage all its capital to generate profitability. Both non-physical capital, intellectual capital (intellectual capital), knowledge, and physical capital to operate the company, namely working capital. The purpose of this study was to see the effect of intellectual capital and working capital on the projected profitability of Return on Assets (ROA). The research used descriptive statistical method with analysis tools in panel data regression which was processed using Eviews 10 software. Techniques and data used the method of documentation and literature study and sampling with the purposive sampling method so that the number of samples in this study was 72 samples of State-owned Sharia Commercial Banks with quarterly data for the 2015-2020 period. The results obtained indicate that simultaneously the independent variables, namely Intellectual Capital (X1) and Working Capital (X2), have a significant effect on Return On Assets (ROA). The second independent variable can explain the dependent variable by 54.2%, and the remaining 45.8% is another variable that is not included in the model. The study results partially show that Intellectual Capital (X1) has a positive and significant effect on Return On Assets (ROA). However, the Working Capital variable (X2) does not affect the Return on Assets (ROA) of BUMN Commercial Sharia Banks in 2015-2020.