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This paper provides a sustainable Islamic microfinance design using an appreciative intelligence approach to enhance the poor borrowers’ accessibility to micro financing in Indonesia. This study aims to identify problems faced by BMT in Indonesia and find the solution to implement sustainable Islamic microfinance. It uses a qualitative analysis by adopting an appreciative intelligence approach. Data was collected by interviewing the Chairman and officer of Central BMT (Induk Koperasi Syariah), Jakarta in 382 BMT’s throughout Indonesia. The steps: (i) reframing problems into possibilities, (ii) appreciating the positive meaning and promise of every being, experience, situation, and (iii) linking the generative strength of the present with the preferred vision. The results show that BMT faced four problems in implementing sustainable Islamic microfinance, namely lending limit regulation, high funding pricing to the borrowers, APEX BMT realization, and productive use funding. Several solutions have been suggested by using the appreciative intelligence approach. This paper adds to the literature on Islamic microfinance by enabling researchers and practitioners to apply the appreciative intelligence model of sustainable Islamic microfinance. It also contributes towards enriching the knowledge in the Islamic microfinance and sustainable Islamic microfinance.

This paper aims to conduct a conceptual study of factors that drive life satisfaction in the work domain for female workers. They experience several problems related to human resource policies related to their personal and work life. The dual role as breadth winner and housewife often take place. Life satisfaction is interesting to be discussed due to the well-being challenges for female workers. The framework is built by "Top-Down" and "Bottom-Up" theory. The author conducted an electronic-based data search from 58 articles during the 2019-2021 period. Several factors affect job satisfaction, such as need fulfilment, self-development and work pressure. In the discussion section, it will explain the factors driving workers' life satisfaction to life, especially for female workers.

Tujuan dari penelitian ini untuk menemukan pengaruh R&D investments pada Dividend Payout Ratio perusahaan non-finansial di Bursa Efek Indonesia (BEI) dari 2012 – 2019. Seluruh data dan statistic yang telah dikumpulkan diolah memanfaatkan Tobit Regression Left-Censored Model. Penelitian ini menemukan bukti bahwa R&D investments tidak berpengaruh terhadap kebijakan dividend (Dividend Payout Ratio) perusahaan non-finansial. Tidak adanya pengaruh antara R&D investments terhadap Dividend Payout Ratio perusahaan non-finansial ini ini dapat ditemukan pada perilaku investor Indonesia serta kondisi institusional negara Indonesia. Dengan demikian, penelitian ini akan berkontribusi memberikan pemahaman yang lebih jauh kepada peneliti lainnya maupun sebagai bahan pertimbangan bagi perusahaan dalam pembuatan dan penentuan kebijakan dividend perusahaan non-finansial di Indonesia

Indonesia is one of the nations that is more prone to earthquakes due to its location at the intersection of the Indo-Australian, Eurasian, and Pacific plates. This study aims to find out the vulnerability and final score of the Faculty of Islamic Economics and Business of Islamic State Prof. KH. Saifuddin Zuhri University used the RVS method based on FEMA P-154, where this method is one of the earliest methods used to evaluate the vulnerability of a building, and has a final value limit of 2. If the final score is more than 2, then the building under review has a low vulnerability to earthquakes and vice versa. This building is one of the mid-rise buildings in Purwokerto which was established in 2019. Based on RVS analysis, the final score was 3.6 for the category of concrete moment-resisting frames (C1) and 1.4 for the category of concrete frames with unreinforced masonry infill walls (C3). Thus, the results showed this 6-story building has a vulnerability to earthquakes with a high category of a high probability of damage to level 3 and a very high probability of level 2 damage.