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All Journal ETIKONOMI Sebelas Maret Business Review Jurnal IPTEK Bagi Masyarakat
Astri Suryanti
Universitas Sebelas Maret
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Mechanical Engineering Physics Public Health Social Sciences

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The relationship between loan growth, risk, and bank performance: Evidence from Indonesia Briliane Jovita Jaya; Besse Nur Fathimah Hefri; Astri Suryanti; Trisninik Ratih Wulandari
Sebelas Maret Business Review Vol 9, No 2 (2024): December 2024
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/smbr.v9i2.86560

Abstract

The crucial role of the banking sector is as an intermediary to give loans or lending to boost a country's economy. Along with advances in technology and digital transformation, lending has become increasingly easier. However, this condition allows for whatever loan growth to affect bank risk or performance. This research investigates the influence of loan growth on risk and bank performance in Indonesia between 2018-2022. The sample for this study consists of all conventional banks in Indonesia. There were 150 data observations from 30 banks in Indonesia. The analysis results indicate that loan growth significantly affects NPL negatively, meaning that loan growth leads to a decrease in NPL. Stringent loan filtering processes, efficient bank risk management programs, and good inspection and supervision can limit the bank's risks associated with loan expansion. Additionally, loan growth negatively and significantly impacts bank performance, especially profitability, indicating that ROA and ROE decline in banks experiencing loan growth. The banking sector needs to be extremely cautious in its loan growth, which can threaten its performance. Moreover, banks should consider maintaining the bank's equity adequacy ratio alongside active loan growth.
Strengthening Business Sustainability and Enhancing Bamboo Craft Production Efficiency in the Kraosan Social Enterprise of Ngadiharjo Village Pram Suryanadi; Catur Sugiarto; Khresna Bayu Sangka; Lisa Charisa Batara; Mi’raj Akbar Pradianto; Revy Lidiya Oni Marlina; Astri Suryanti; Andreansyah Saputra; Anggerka Harum Oktaviana
Jurnal IPTEK Bagi Masyarakat Vol 5 No 3 (2026)
Publisher : Ali Institute of Research and Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55537/j-ibm.v5i3.1626

Abstract

This community service program was implemented in Ngadiharjo Village, Borobudur, in collaboration with Kraosan, a social enterprise specializing in bamboo handicrafts. The enterprise faces several challenges, including inconsistent product quality, unstructured workflows, and limited production technology, which have hindered its capacity to meet increasing market demand. The program was carried out through five systematic stages: (1) socialization, (2) technical training, (3) management assistance, (4) implementation of appropriate technology, and (5) impact evaluation. The evaluation results indicate a 77.8% increase in partners’ understanding, with the average score rising from 41.54 (pre-test) to 73.84 (post-test). The implementation of bamboo splitting and shaving machines demonstrated a substantial improvement in production efficiency by significantly reducing processing time while ensuring more precise and consistent product dimensions compared to manual methods. Furthermore, management assistance and brand identity development enhanced Kraosan’s readiness to enter the premium market segment. Overall, this program contributes to improving production capacity, increasing household income potential, and strengthening the social enterprise model in supporting poverty alleviation efforts in Ngadiharjo Village.
How Digital Marketing Shapes Uniqueness and Tourist Behavioral Intention Khresna Bayu Sangka; Tulus Haryono; Dewi Ismoyowati; Catur Sugiarto; Astri Suryanti; Sri Hestiningsih Widiyanti
ETIKONOMI Vol. 25 No. 2 (2026)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v25i2.49971

Abstract

Research Originality: This study introduces a novel perspective by integrating the concept of need for uniqueness into the digital tourism context, highlighting how digital interactions such as electronic word of mouth (eWOM) and digital marketing shape unique travel experiences and influence post-visit behavior. Research Objectives: This research examines the effect of travelers’ need for uniqueness on behavioral intention and tests the mediating roles of eWOM, digital marketing, and place attachment. Research Method: A quantitative survey of 221 travelers was analyzed using Structural Equation Modeling (SEM) to test relationships among variables and mediating effects. Empirical Results: The findings reveal that need for uniqueness significantly affects behavioral intention, with digital interactions, play, eWOM, and place attachment serving as key mediating variables that translate the desire for unique experiences into intentions to visit or revisit destinations. Implications: The results provide important insights into digitally driven tourist behavior and emphasize the need for destination managers to develop personalized, experience-oriented digital marketing strategies that enhance visitor engagement and strengthen emotional attachment to destinations. JEL Classification: M31, Z32, D91, M37
Co-Authors Andreansyah Saputra Anggerka Harum Oktaviana Besse Nur Fathimah Hefri Briliane Jovita Jaya Catur Sugiarto Dewi Ismoyowati Khresna Bayu Sangka Lisa Charisa Batara Mi’raj Akbar Pradianto Pram Suryanadi Revy Lidiya Oni Marlina Sri Hestiningsih Widiyanti Trisninik Ratih Wulandari Tulus Haryono