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Empowering Micro and Small Enterprises through Interest-Free Credit: Lessons from Kredit Kukar Idaman Aini, Aini; Surahman, Surahman; Prayogi, Erwin; Prapdopo, Prapdopo; Kiswanto, M.
Journal of Business Management and Economic Development Том 3 № 01 (2025): January 2025
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jbmed.v3i01.1451

Abstract

Traditional market traders in developing economies often face significant financial challenges, including limited access to formal credit and dependency on high-interest informal loans. This study evaluates the Kredit Kukar Idaman (KKI) program in Kutai Kartanegara, Indonesia, an initiative providing interest-free loans to empower micro and small enterprises (MSEs). Employing a mixed-methods approach, data were collected through surveys, interviews, and focus group discussions with 81 market traders. Results reveal that KKI substantially enhanced financial stability, with 87% of participants reporting increased working capital and 62% expanding their business operations. However, barriers such as limited awareness, administrative complexities, and inadequate digital skills hinder program accessibility and efficiency. Comparisons with global best practices highlight the need for integrated capacity-building measures, including financial literacy training and digital adoption initiatives. The study concludes that while KKI demonstrates the potential to foster economic resilience and market competitiveness, addressing implementation challenges is critical for its long-term sustainability. This research contributes to the discourse on inclusive credit policies and provides actionable insights for policymakers aiming to optimize similar programs.
Aktivitas Antibakteri Ekstrak Biji Areca catechu L. Dalam Menghambat Pertumbuhan Salmonella typhi Selpiah, Mega; aini, aini; Ustiawaty, Jumari
Jurnal Analis Medika Biosains (JAMBS) Vol 8, No 1 (2021): JURNAL ANALIS MEDIKA BIOSAINS (JAMBS)
Publisher : Poltekkes Kemenkes Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32807/jambs.v8i1.210

Abstract

Demam tifoid merupakan penyakit yang disebabkan oleh infeksi bakteri Salmonella typhi yang merupakan penyakit endemik yang dapat menyerang banyak orang dan masih menjadi masalah kesehatan di daerah tropis terutama di negara-negara berkembang termasuk Indonesia. Berbagai upaya pencegahan, pengobatan dan terapi yang telah dilakukan untuk mengurangi permasalahan infeksi bakteri. Alternatif baru yang terus diteliti dan dikembangkan adalah pengobatan menggunakan tanaman herbal. Salah satu tanaman yang dapat dimanfaatkan sebagai alternatif dalam pengobatan infeksi bakteri adalah tumbuhan pinang (Areca catechu L.) yang memiliki kandungan senyawa sebagai antibakteri seperti alkaloid, flavonoid dan tanin. Tujuan penelitian ini adalah untuk mengetahui aktivitas antibakteri ekstrak biji buah pinang (Areca catechu L.) dalam menghambat pertumbuhan Salmonella typhi, untuk menentukan Konsentrasi Hambat Minimum (KHM) dan Konsentrasi Bunuh Minimum (KBM) ekstrak biji buah pinang (Areca catechu L.) dalam menghambat pertumbuhan Salmonella typhi. Metode yang digunakan dalam penelitian ini adalah dilusi cair yang digambarkan sebagai efek bakteriostatik dan dilusi padat yang digambarkan sebagai efek bakterisidal. Jenis penelitian ini adalah eksperimental laboratories dengan desain the post only control group desain dengan menggunakan analisa data uji statistik versi 16. Hasil penelitian ini adalah ekstrak biji buah pinang (Areca catechu L.) mampu menghambat pertumbuhan Salmonella typhi. Konsentrasi Hambat Minimum (KHM) ekstrak biji buah pinang (Areca catechu L.) didapatkan pada konsentrasi 1%. Konsentrasi Bunuh Minimum (KBM) ekstrak biji buah pinang (Areca catechu L.) tidak didapatkan karena pada semua media Nutrient agar terdapat pertumbuhan bakteri. Adanya pertumbuhan bakteri tersebut memberikan makna bahwa ekstrak biji buah pinang (Areca catechu L.) hanya mampu menghambat (bakteriostatik) namun tidak mampu membunuh 
Implementasi Media Smartboard Dalam Menumbuhkan Kemampuan Literasi Budaya Anak Di TK-Alhidayah aini, aini; Farida, Siti
Jurnal Golden Age Vol. 9 No. 1 (2025): Jurnal Golden Age
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to describe the implementation of smartboard media in fostering cultural literacy among early childhood students at TK Al-Hidayah. The background of this research is the lack of children's understanding of local culture due to conventional teaching methods. A descriptive qualitative method was used, with data collected through observation, interviews, and documentation. The research subjects were children aged 5–6 years. The results show that the use of smartboard media increased children's engagement in learning, strengthened their understanding of local culture, and fostered appreciation for cultural diversity. Children became more active, enthusiastic, and easily remembered cultural elements such as traditional clothing, songs, and houses. These findings indicate that smartboard media is an effective tool to support cultural education from an early age. Keywords: smartboard media, cultural literacy, early childhood, interactive learning, local culture
Penerapan Pembelajaran Berbasis Project Based Learning (PjBL) untuk Meningkatkan Keterampilan Kolaborasi Siswa pada Materi Perubahan Lingkungan Kelas X-11 SMAN 15 Surabaya Pebriana, Rina Romatul; Aini, Aini
Jurnal Inovasi Pembelajaran Biologi Vol 6 No 2 (2025)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jipb.v6n2.p47-56

Abstract

Berdasarkan observasi pembelajaran pra-siklus di kelas X-11, SMAN 15 Surabaya diperoleh rerata nilai keterampilan kolaborasi siswa sebesar 85,07. Informasi tersebut menggambarkan bahwa kemampuan siswa kelas X-11 dalam berkolaborasi sudah cukup baik, namun tergolong perlu peningkatan. Tujuan penelitian ini untuk memaparkan hasil implementasi pembelajaran berbasis PjBL dalam meningkatkan keterampilan kolaborasi siswa. Penelitian ini adalah penelitian tindakan kelas (PTK) yang dilakukan terhadap siswa di satu kelas X-11 di semester genap di SMAN 15 Surabaya pada Tahun Ajaran 2022/2023. Pengumpulan data dilakukan melalui teknik observasi menggunakan rubrik penilaian keterampilan kolaborasi dengan skala penilaian dari 1 hingga 4. Data yang terkumpul dianalisis menggunakan metode analisis deskriptif kualitatif. Hasil penelitian menunjukkan peningkatan rata-rata nilai keterampilan kolaborasi pada siklus I (88,89) dan siklus II (92,88) setelah siswa menerima pembelajaran dengan menggunakan metode PjBL. Dengan demikian, penerapan pembelajaran berbasis proyek dapat meningkatkan keterampilan kolaborasi siswa kelas X-11 di SMAN 15 Surabaya.
IMPLEMENTASI BUDAYA BAKU UNTUK TERAPI MINDFULNESS ISLAMI SEBAGAI ALTERNATIF PENANGGULANGAN KECEMASAN DAN DEPRESI DI KALANGAN GENERASI MUDA  (STUDI KASUS DI LINGKUNGAN DAARUT TAUHIID BANDUNG) Aini, Aini; Husna, Husna
JURNAL PENDIDIKAN BUDDHA DAN ISU SOSIAL KONTEMPORER (JPBISK) Vol. 7 No. 1 (2025): Juni
Publisher : LPPM STAB Bodhi Dharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56325/jpbisk.v7i1.128

Abstract

Penelitian ini bertujuan untuk mengeksplorasi efektivitas implementasi budaya BAKU (Baik dan Kuat) dalam terapi mindfulness Islami sebagai alternatif penanggulangan kecemasan dan depresi di kalangan generasi muda Muslim, khususnya di lingkungan Daarut Tauhiid Bandung. Latar belakang penelitian ini didasari oleh tingginya prevalensi gangguan kesehatan mental, seperti kecemasan dan depresi, di kalangan remaja Indonesia, yang diperparah oleh tekanan era digital dan minimnya intervensi berbasis nilai agama dan budaya. Metode yang digunakan adalah kualitatif dengan pendekatan fenomenologi, melibatkan generasi muda Muslim yang aktif secara digital dan rutin mengikuti kegiatan keagamaan. Data dikumpulkan melalui wawancara mendalam menggunakan pedoman semi terstruktur, kemudian dianalisis secara tematik. Hasil penelitian menunjukkan bahwa integrasi budaya BAKU dalam praktik mindfulness Islami mampu meningkatkan resiliensi, kesejahteraan psikologis, dan kemampuan pengelolaan emosi generasi muda. Pendekatan ini dinilai lebih relevan dan diterima karena selaras dengan nilai spiritual dan budaya yang dianut. Penelitian ini merekomendasikan pengembangan program kesehatan mental berbasis mindfulness Islami dan budaya lokal sebagai solusi preventif dan kuratif yang efektif untuk generasi muda Muslim di era digital. 
Mangrove Biofiltration as A Green Biotechnology for Wastewater Remediation: Targeting DO, BOD, COD, Phosphate, Detergent Mbas, and Ammonia Aini, Aini; Irawansyah, Irawansyah; Mentari, Ika Nurfajri; Maulana, Alfi; Ustiawaty, Jumari
Jurnal Biologi Tropis Vol. 25 No. 4 (2025): Oktober-Desember
Publisher : Biology Education Study Program, Faculty of Teacher Training and Education, University of Mataram, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jbt.v25i4.10385

Abstract

This Wastewater treatment plants are essential for reducing pollution before wastewater is discharged, but conventional systems often fail to achieve effective pollutant removal . This study aimed to measure the effectiveness of mangrove powder in treating industrial wastewater before it is discharged into the environment to improve wastewater quality. Samples were taken at two points: after conventional wastewater treatment and after treatment with mangrove biofiltration. The biofiltration system was designed to address the limitations of conventional treatment, particularly in reducing BOD₅, COD, phosphate, MBAS, and increasing dissolved oxygen (DO). Sampling was carried out using a  one liter sterile sample bottle. Sampling was carried out using a 1-liter sterile sample bottle. Sampling was carried out at one point with four repetitions. Parameters analyzed included TSS, pH, DO, BOD₅, COD, nitrate, nitrite, ammonia, phosphate, sulfate, and MBAS detergent. Mangrove biofiltration achieved reductions in TSS (55.26%), COD (99.35%), nitrate (100%), BOD₅ (99.15%), phosphate (96.67%), sulfate (99.55%), nitrite (100%), ammonia (90.00%), and MBAS (100%), while DO increased by 47.37% and pH remained stable. These improvements indicate the mangrove biofilter’s capacity to adsorb and biologically degrade organic matter and pollutants, enhancing wastewater quality to meet reuse standards. The results of the study show the potential of mangrove-based biofiltration as a solution for waste treatment units using mangrove biofiltration to reduce the concentration of DO, BOD, COD, phospat, Detergen MBAS, and Ammonis in industrial waste before being discharged into the environment.
Literature Review: Hubungan dan Peranan Interleukin-6 (Il-6) pada Penderita COVID-19 Cindrayani, Sulis; Sukmana, Dhika Juliana; Hadiatun, Nurul; Aini, Aini
JSN : Jurnal Sains Natural Vol. 1 No. 3 (2023): Agustus
Publisher : Puslitbang Sekawan Institute Nusa Tenggara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35746/jsn.v1i3.391

Abstract

Coronavirus disease 2019 or better known as COVID-19 is an acute respiratory disease caused by Savere Acute Respiratory Syndrome-2 (SARS CoV-2). The purpose of this study was to determine the role and relationship of interleukin-6 (IL-6) in patients with COVID-19. The research method is a Systematic Literature Review (SLR) using electronic articles in English and Indonesian, the year the article was published starting from 2019 with a secondary research design with supporting data with the theme of the study taken, namely with the keywords: COVID-19, interleukin-6, cytokine storm in COVID-19 sufferers. In searching articles with the help of several databases. On average, the results of the 8 research articles used in this literature review show that there is a relationship and role for interleukin-6 (IL-6) in people with COVID-19. In conclusion, IL-6 has a role and relationship to sufferers of COVID-19
Relationship of Urine Acidity to The Risk of Candidiasis Infection in Pregnant Mothers Aini, Aini; Ustiawaty, Jumari; Wahyuni, Devi
JSN : Jurnal Sains Natural Vol. 1 No. 4 (2023): November
Publisher : Puslitbang Sekawan Institute Nusa Tenggara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35746/jsn.v1i4.398

Abstract

Candidiasis is a disease caused by fungi and the most common cause is candida albicans. The aim of this study was to measure the relationship between the degree of urine acidity and the risk of candidiasis infection in pregnant women. The benefit of research is to determine the degree of acidity on the incidence of candidiasis in pregnant women. The results of research from 42 urine samples from pregnant women found urine with an acidic pH of 30 urines or 71.4% and from these 30 samples 19 urine samples were found to be positive for Candida albicans. A neutral pH was found in 5 urines with the sample test results not finding Candida albicans, but 1 sample was found with the fungus Candida Sp. The results of the urine measurements found 7 urine with an alkaline pH and no Candida albicans was found, but overall Esterococcus bacteria were found in the urine with a neutral and alkaline pH and no Candida albicans was found.
Impact of Mercury Exposure on SGOT and SGPT Levels on Traditional Gold Miners Aini, Aini; Yuliana, Yuliana; Atfal, Bustanul
JSN : Jurnal Sains Natural Vol. 2 No. 1 (2024): Februari
Publisher : Puslitbang Sekawan Institute Nusa Tenggara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35746/jsn.v2i1.417

Abstract

Mercury (Hydragyrum) is a heavy metal element that has received major attention in terms of health because it is toxic to humans. The main health problems caused by mercury vapor occur in the brain, lungs, central nervous system and kidneys. The aim of this research is to determine the impact of mercury exposure on SGOT and SGPT levels on traditional gold miners using the correlation method with a cross sectional approach. The population in this study is traditional gold miners. A total of 30 people were taken as samples in this study using purposive sampling technique. Data collection uses questionnaires and blood sampling. Data analysis test using the Chi-Square test with the help of SPSS. Based on the results of the questionnaire and taking blood samples from respondents with exposure to mercury, the sample was 30 respondents, Normal SGOT 15 respondents (50%) and abnormal SGOT 15 respondents (50%), while taking blood samples from 30 respondents with exposure to mercury with abnormal SGPT levels was 14 respondents. (46.7%) and normal SGPT levels in 16 respondents (53.3%). The results of the analysis used the Chi Square test with the help of SPSS version 20, the number of respondents was 30 people. The significant level obtained was for SGOT p=0.001, then, p < (0.001< 0.05), and for SGPT p=0.001, then, p <( 0.001 < 0.05), this shows that mercury exposure has a significant impact on SGOT and SGPT levels in traditional gold miners.
Screening of Pulmonary Function and Hs-CRP as Biological Responses to Dust Exposure and Industrial Work Environment among Crusher Workers Maulana, Alfi; Tualeka, Abdul Rahim; Aini, Aini
Jurnal Biologi Tropis Vol. 25 No. 4a (2025): Special Issue
Publisher : Biology Education Study Program, Faculty of Teacher Training and Education, University of Mataram, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jbt.v25i4a.10493

Abstract

The packaging industry plays an essential role in the economy, involving various activities such as material crushing. Without proper control measures, workers in this sector are at risk of developing health problems, particularly those affecting lung function. Employees in the crusher area are continuously exposed to dust and airborne pollutants generated during the crushing process, which may lead to long-term respiratory disorders, including chronic obstructive pulmonary disease (COPD). This study aims to assess the lung function status of workers in the crusher area of a packaging industry and to analyze factors influencing respiratory health through basic pulmonary examinations and infection detection using high-sensitivity C-reactive protein (hs-CRP) tests. Lung function was evaluated using spirometry, and hs-CRP levels were measured from blood serum samples. The study involved 30 workers who worked approximately 40 hours per week. The results showed that 22 workers (73.3%) had normal lung function, while 8 workers (26.7%) experienced mild restriction. Meanwhile, hs-CRP examination revealed that 17 workers (56.7%) had elevated hs-CRP levels, and 13 workers (43.3%) were within the normal range.