This study aims to analyze the efficiency performance of conventional and Islamic rural banks in Indonesia, specifically, Bank Perkreditan Rakyat (BPR) and Bank Pembiayaan Rakyat Syariah (BPRS). Using a DEA approach, the results indicate that both BPR and BPRS are still inefficient in terms of the intermediation role but are efficient in production. Furthermore, the Tobit estimation show that these two efficiency results are positively affected by location and the capital adequacy ratio (CAR). These rural banks operating in cities tend to have a higher level of efficiency than otherwise. Moreover, the higher the capital, the more efficient both Islamic and conventional rural banks in terms of production and intermediation.

Pemasaran digital dinilai penting untuk pengusaha saat ini terutama setelah pandemi yang menyebabkan banyak pengusaha yang harus bisa mempertahankan usahanya dengan melakukan penjualan secara online. Bagi sebagian orang, hal tersebut masih awam dan asing, terutama pelaku UMKM. Tujuan dari pengabdian ini adalah meningkatkan kemampuan pemasaran digital serta mendampingi UMKM anggota BMT Mandiri Ukhuwah Persada Jawa Timur dengan memanfaatkan media sosial TikTok untuk melakukan promosi dan branding. Metode yang digunakan adalah tahapan pendahuluan, observasi, analisis dan desain, implementasi dan eksekusi, dan evaluasi. Hasil dari pengabdian adalah peserta pengabdian berhasil melakukan iklan atau promosi menggunakan media sosial TikTok. Hal ini sangat dibutuhkan oleh peserta untuk meningkatkan penjualan produknya.

During the pandemic, many MSMEs had to find many ways to survive. Most of the members of Baitul Maal wa Tamwil (BMT) are MSMEs, so BMTs must cooperate with MSMEs so that they can continue to make payment of financing installments smoothly so that BMT finances remain good. This study aims to analyze the strategies used by BMTs during a pandemic among MSME members. The method used is qualitative interviews centered on four BMTs in East Java. The results of the study show that there are three main strategies used by BMTs in dealing with MSMEs that have been affected by the pandemic, namely financing relief, additional capital, and business development. Financing relief is divided into three types, namely margin payments, rescheduling, and reconditioning.

Indonesia is still far behind compared to other Asian countries in agriculture. The technology and the availability of pre-facilities are still inadequate because of the many obstacles that hamper agricultural development. Agricultural development is a major component of rural development. One way to help the process of agricultural development is with the ease of access to finance.The State through the Ministry of Agriculture continues to make efforts in encouraging the development of domestic agriculture. Funds distributed are not small so it is necessary to calculate the efficient use of state budget funds in agricultural development in Indonesia. This study aims to measure the level of efficiency of the state budget for the agricultural sector. The data used are secondary data derived from the Ministry of Agriculture's financial report from 2012 to 2016.The method used is Data Envelopment Analysis (DEA) with input oriented and output oriented with Variable Returns to Scale (VRS). The input variable used is the realization of State Budget (APBN) for agriculture sector, while the output variables used are Farmer's Exchange Rate (NTP), Gross Domestic Product, and Farmer Productivity. The results show that the year 2015 becomes a very inefficient year both in terms of input oriented and output oriented. The increase in the realization of state expenditures for agriculture is not balanced by significant results, even in 2016 where the relatively small increase in the realization of the agriculture sector budget has had a comparable impact.Keywords: Efficiency, realization Budget expenditure, agricultural development

Islamic Rural Bank (BPRS) has important roles for micro-enterprises in Indonesia. This study analyzes the performance of Islamic Rural Bank in Eastern Indonesia, where the Muslim population is minority. Using 14 BPRS spread across a number of islands in Eastern Indonesia with a five-year vulnerability (2016- 2020) and using the Data Analysis Envelopment (DEA) Variable Return to Scale (BCC) model, it can be concluded that only 4 Islamic Rural Banks have been able to be efficient for five consecutive years. -consistent even during a pandemic. Meanwhile, 2 Islamic Rural Banks have not been able to work efficiently for five years and the remaining 8 Islamic Rural Banks are still not consistently working efficiently. During the pandemic, 70% of Islamic Rural Banks that were efficient in the previous year were able to operate efficiently, while 30% of BPRS that were efficient in the year before the pandemic were unable to work efficiently. It is also known that all Islamic Rural Banks that were not efficient in the year before the pandemic remained inefficient during the pandemic.