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This Author published in this journals
All Journal Journal of Governance Risk Management Compliance and Sustainability Journal of Food Security and Agroindustry
Evi Sofiati
International Women University
Agriculture, Biological Sciences & Forestry Environmental Science Social Sciences Other

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Consumer Acceptance of Local Protein-Based Ready-to-Eat Products Processed with Retort Technology to Support Food Security Wandi Kurniadi; Evi Sofiati
Journal of Food Security and Agroindustry Vol. 4 No. 2 (2026): JUNE
Publisher : PAKIS JOURNAL INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58184/jfsa.v4i2.1010

Abstract

Ready-to-eat (RTE) food based on local protein can broaden practical food choices and support food security through local resources. This study examined consumer acceptance of a retort-processed RTE prototype made from snakehead fish (Channa striata) and tempeh. The study used an experimental approach with three formulations based on the ratio of snakehead fish to tempeh, namely F1 (80:20), F2 (60:40), and F3 (40:60). Seventy-five semi-trained panelists evaluated color, aroma, texture, taste, and overall acceptance using a five-point hedonic scale. Hedonic data were analyzed using the Friedman test, while Kendall's W was used to describe the effect size. The F2 formulation achieved the highest mean scores for all attributes, including color (3.82), aroma (3.65), texture (3.71), taste (3.94), and overall acceptance (3.78). The Friedman test indicated differences among formulations in aroma, texture, taste, and overall acceptance, while color showed no difference. These findings suggest that a 60:40 ratio of snakehead fish and tempeh provides the most acceptable sensory profile. The practical contribution of this study is the identification of a local protein-based RTE formulation that can be further developed for food diversification. However, F0 value, come-up time, cooling time, packaging size, microbiological safety, shelf life, and production cost still require further assessment before commercial application.
Analysis of Factors Affecting Net Interest Margin in Foreign Banking Companies' Operations in Indonesia Yoki Oktorian Sukardi; Evi Sofiati; Nurjamilah Nurjamilah
Journal of Governance Risk Management Compliance and Sustainability Vol. 6 No. 1 (2026): April Volume
Publisher : Center for Risk Management & Sustainability and RSF Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/jgrcs.v6i1.3164

Abstract

This research aims to empirically examine the factors influencing Net Interest Margin (NIM) in foreign banking companies operating in Indonesia. The study is grounded in the banking intermediation theory, which explains how banks manage financial resources to optimize profitability, and the risk-return tradeoff theory, which highlights the balance between risk factors and financial performance. Factors affecting NIM include the Loan to Deposit Ratio (LDR), efficiency ratio calculated by the ratio of operational expenses to operational income (BOPO), credit risk proxied by the Non-Performing Loan (NPL) ratio, and Market Share (MS). The research period covers the year 2019.A purposive sampling method was used, selecting 25 foreign banking companies that met specific criteria. Hypothesis testing was conducted using multiple linear regression analysis with EViews 10. Based on the results of panel data analysis, the t-test shows that the Market Share (MS) variable has a positive but insignificant effect on NIM. The Loan to Deposit Ratio (LDR) and Non-Performing Loan (NPL) variables have negative and statistically insignificant effects on NIM, whereas the Efficiency Ratio (BOPO) has a positive and statistically significant effect on NIM. The F-test results indicate that LDR, BOPO, NPL, and MS simultaneously affect NIM, with a significance value of 0.014544 (p < 0.05). The adjusted R² test results show that the predictive ability of these four independent variables is 33.68%, while the remaining 66.32% is influenced by other variables outside the model.
Co-Authors Nurjamilah Nurjamilah Wandi Kurniadi Yoki Oktorian Sukardi