Garuda - Garba Rujukan Digital

The Impact Of Non-Performing Loans, Credit Interest Rates And Total Public Savings On Commercial Bank Loan Distribution Kartini, Kartini; Pratiwi, Sulistya Rini; Irna, Rizky Agusriyanti; Rahmawati, Meylin; Nainggolan, Yohanna Thresia
JURNAL ILMU MANAJEMEN Vol. 22 No. 2 (2025): DECEMBER 2025
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jim.v22i2.84118

This study aims to analyse the effect of non-performing loans (NPLs), lending rates, and public savings on lending by commercial banks in North Kalimantan Province. The method used is a quantitative approach with secondary data from Bank Indonesia (BI) and the Financial Services Authority (OJK) in the form of monthly data for the period 2017–2022. The analysis was conducted using multiple linear regression with the assistance of Stata software. The results of the study indicate that NPLs do not have a significant effect on credit disbursement, either for working capital loans or investment loans. Credit interest rates do not affect working capital loans, but have a significant effect on investment loans. Meanwhile, public savings have a significant effect on credit disbursement for both types of loans. Simultaneously, all three variables have a significant impact on credit disbursement. These findings indicate that public savings are the primary factor in increasing credit disbursement, while NPLs are not the main obstacle. Additionally, interest rates have a greater impact on investment loans compared to working capital loans. These results can serve as a reference for banks in formulating credit disbursement strategies and for regulators in developing more effective banking policies.

The Impact Of Non-Performing Loans, Credit Interest Rates And Total Public Savings On Commercial Bank Loan Distribution Kartini, Kartini; Pratiwi, Sulistya Rini; Irna, Rizky Agusriyanti; Rahmawati, Meylin; Nainggolan, Yohanna Thresia
JURNAL ILMU MANAJEMEN Vol. 22 No. 2 (2025): DECEMBER 2025
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jim.v22i2.84118

This study aims to analyse the effect of non-performing loans (NPLs), lending rates, and public savings on lending by commercial banks in North Kalimantan Province. The method used is a quantitative approach with secondary data from Bank Indonesia (BI) and the Financial Services Authority (OJK) in the form of monthly data for the period 2017–2022. The analysis was conducted using multiple linear regression with the assistance of Stata software. The results of the study indicate that NPLs do not have a significant effect on credit disbursement, either for working capital loans or investment loans. Credit interest rates do not affect working capital loans, but have a significant effect on investment loans. Meanwhile, public savings have a significant effect on credit disbursement for both types of loans. Simultaneously, all three variables have a significant impact on credit disbursement. These findings indicate that public savings are the primary factor in increasing credit disbursement, while NPLs are not the main obstacle. Additionally, interest rates have a greater impact on investment loans compared to working capital loans. These results can serve as a reference for banks in formulating credit disbursement strategies and for regulators in developing more effective banking policies.

Transformasi UMKM Menuju Go Digital: Legalitas dan Tata Ruang Usaha Devi, charitin; Kartini, Kartini; Pratiwi, Sulistya Rini; Irna, Rizky Agusriyanti; Margiyono, Margiyono; Ariani, Ariani; Simangunsong, Bernadeth YP Br.
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 7 No. 1 (2026): Edisi Januari - April
Publisher : Lembaga Dongan Dosen

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

Perkembangan teknologi digital telah mendorong perubahan signifikan dalam pola konsumsi dan terbentuknya ekosistem bisnis modern. Pemerintah melalui program percepatan digitalisasi UMKM menetapkan target integrasi 30 juta pelaku usaha dalam ekosistem digital pada tahun 2024. Berbagai studi menunjukkan bahwa tingkat adopsi digital masih rendah akibat keterbatasan literasi digital, kapasitas sumber daya manusia, dan kelemahan manajemen usaha. Kondisi tersebut juga ditemukan pada UMKM di Kelurahan Juata Permai, Kota Tarakan. Pengabdian kepada Masyarakat ini bertujuan untuk meningkatkan legalitas dan digitalisasi UMKM di wilayah tersebut. Metode pelaksanaan program, ini meliputi sosialisasi digitalisasi serta pelatihan pembuatan Nomor Induk Berusaha (NIB) dan registrasi pemanfaatan Google Maps sebagai media promosi digital. Hasil kegiatan menunjukkan peningkatan kapasitas dan pemahaman mitra terhadap prosedur legalitas usaha (85 persen peserta mampu menjelaskan kembali prosedur pengajuan NIB) serta pemanfaatan digital tools (80 persen peserta dapat menjelaskan manfaat Google Maps dan tahapan registrasi akun). Dampak nyata program ini mendukung capaian Indikator Kinerja Utama (IKU) perguruan tinggi dan memperkuat keberlanjutan program PkM berikutnya. Secara keseluruhan, kegiatan ini efektif dalam memperkuat kapasitas UMKM menuju ekosistem bisnis digital yang berkelanjutan.

Determinants of Household Welfare among Seaweed Farming Communities: The Roles of Production, Cultivation Area, Prices, and Market Access Irna, Rizky Agusriyanti; Pratiwi, Sulistya Rini; Kartini; Nainggolan, Yohanna Thresia; Rahmatika, Maula Fadhilata; Rahmawati, Meylin
Journal of Economic Education and Entrepreneurship Studies Vol. 7 No. 1 (2026)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/je3s.v7i1.22

This study examines the effects of seaweed production, cultivation area, selling prices, and market access on household welfare in seaweed farming communities. Seaweed is a strategic commodity in coastal economies, yet the welfare of farming households often remains vulnerable to production uncertainty, price volatility, and unequal access to markets. Using a quantitative research design, this study draws on survey data from 110 respondents to analyze the extent to which farm performance and market-related factors shape household welfare. The analytical framework includes descriptive statistics, a household welfare index, instrument reliability testing, and multiple linear regression. The findings indicate that selling price is the strongest predictor of household welfare, followed by production level, market access, and cultivation area. The model explains a substantial proportion of the variation in welfare, suggesting that improvements in farmer well-being depend not only on output expansion but also on stronger market integration and more stable marketing conditions. These results highlight the importance of price stabilization, improved access to market information, stronger farmer institutions, and better post-harvest and logistics systems. The study provides practical insight for designing rural development policies aimed at improving the resilience and welfare of coastal farming households.

Analysis of the Impact of the Peatland Moratorium on Poverty: Evidence from a Difference-in-Differences Analysis Zamaya, Yelly; Pratiwi, Sulistya Rini; Purnamasari, Vidya; Susilo, Ignatia Bintang Filia Dei; Abdurakhman, Abdurakhman
Journal of Economic Education and Entrepreneurship Studies Vol. 7 No. 1 (2026)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/je3s.v7i1.189

This study examines whether Indonesia's peatland moratorium policy influenced poverty outcomes in Riau Province. Enacted through Presidential Instruction No. 10/2011, the moratorium suspended the issuance of new land-use permits in primary forests and peatland areas as part of the government's commitment to environmental conservation. Using a quasi-experimental Difference-in-Differences (DiD) framework, the study designates districts with peatland coverage exceeding 100,000 hectares as the treatment group, while districts below this threshold serve as the control group. The analysis spans both the pre-moratorium period (2009–2011) and the post-moratorium period (2012–2024). The DiD coefficient of −2.407 (p = 0.228) reveals no statistically significant divergence in poverty trajectories between treated and control areas, indicating that the moratorium lacked direct, measurable effects on household welfare. This outcome underscores the inherent limitations of single-sector environmental governance in resolving the multidimensional character of poverty. Among all covariates examined, educational attainment measured as average years of schooling emerges as the most powerful determinant of poverty reduction (β = −2.468, p < 0.001). Unemployment exhibits a positive association with poverty approaching conventional significance thresholds (β = 0.444, p = 0.053), while GDP per capita shows a statistically significant negative effect. Economic growth, though directionally consistent with poverty reduction theory, does not reach significance, suggesting structural impediments to inclusive growth in the province. These findings call for complementary socioeconomic policies that address human capital deficits and labor market constraints alongside environmental conservation measures.

BUSINESS SUCCESS EVALUATION MODEL FOR MSMES: PERFORMANCE AND STRATEGY Rahmawati, Meylin; Arini, Retno Dwi; Pratiwi, Sulistya Rini; Kartini, Kartini; Irna, Rizky Agusriyanti
Journal of Applied Economics in Developing Countries Vol 10, No 1 (2025): Journal of Applied Economics in Developing Countries
Publisher : MESP–FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jaedc.v10i1.100167

The development and growth of Micro, Small, and Medium Enterprises (MSMEs) serve as one of the driving forces of economic growth. The success or failure of an MSME is determined by performance measurement. This study assesses UMKM Amplang Tari's performance using the Balanced Scorecard, focusing on financial, customer, internal business processes, and growth and learning perspectives. The analysis results indicate good cost efficiency, with a Gross Profit Margin of 66% and a Net Profit Margin of 50%, although the Return on Investment (48%) still has room for improvement. A high customer complaint rate (80%) and low customer retention (57%) highlight the need for service improvements. Operationally, high product quality (97%) and on-time delivery (100%) are strengths, but program implementation (67%) requires enhancement. Employee training investment is relatively good (80%), but its impact on innovation needs to be ensured. Recommended improvements include investment optimization, service quality enhancement, strengthening marketing strategies, and product innovation. By implementing these strategies, MSMEs can improve efficiency, customer satisfaction, and competitiveness in the market.

LOCAL PERCEPTION OF THE DEGRADED LAND IMPACT Pratiwi, Sulistya Rini; Nainggolan, Yohanna Thresia; Rahmawati, Meylin
Journal of Applied Economics in Developing Countries Vol 8, No 1 (2023): Journal of Applied Economics in Developing Countries
Publisher : MESP–FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jaedc.v8i1.79445

This study aims to determine the perceptions of the farmers about the degraded land impact in Tarakan City. The study was conducted at the agricultural center, Juata Permai Village. This study was a descriptive study using a qualitative approach. The data collection used was by questionnaire and in-depth interviews. The result calculation of the score related to the farmers’ understanding of the degraded land impact was not-good. This showed that the level of knowledge and understanding of the farmers about the degraded land impact is low. In terms of the government’s responses, obtained an average of 31.37 and the not-good category. This suggested that the government prevention policy was relatively not effective and tended to be less informative. Overall, this showed that the farmers' appreciation for the improvement of degraded land belonged to agree category.

ANALYSIS OF CONVERGENCE BETWEEN PROVINCES IN INDONESIA Kartini, Kartini; Islami, Rahmi Nur; Pratiwi, Sulistya Rini; Rahmawati, Meylin; Arini, Retno Dwi
Journal of Applied Economics in Developing Countries Vol 8, No 2 (2023): Journal of Applied Economics in Developing Countries
Publisher : MESP–FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jaedc.v8i2.79843

Indonesia is one of the developing countries that is always trying to increase its economic growth. Indonesia has a large number of people with various ethnic backgrounds and diverse customs, so this situation has given rise to disparities between regions. This study aims to determine whether or not sigma convergence, to find out whether absolute and conditional convergence occurs or not, and to determine the speed of convergence. This study uses secondary data, namely Gross Regional Domestic Product (GRDP) per capita, poverty, and inequality for each province in Indonesia from 2017-2021. The method used in this study is panel data with a fixed effect approach. The results of the analysis using the sigma convergence (σ) approach show the occurrence of convergence. The results of the absolute convergence analysis explain the divergence of GRDP per capita in Indonesia with a divergence speed of 13.76% per year. The results of the conditional convergence analysis show that there is a divergence of GRDP per capita in Indonesia with a divergence speed of 13.62% per year.

ESTIMATION OF SOCIETY ECONOMIC COSTS DUE TO FLOODS Pratiwi, Sulistya Rini; Rahmawati, Meylin; Kartini, Kartini
Journal of Applied Economics in Developing Countries Vol 7, No 1 (2022): Journal of Applied Economics in Developing Countries
Publisher : MESP–FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jaedc.v7i1.79422

The purpose of this study is to estimate the value of economic losses due to river floods and interpret the perceptions of the affected community on flood risk. This study uses a descriptive analysis method to look at people's perceptions as a result of flooding and uses the actual market price approach, cost of time, and Human Capital Approach to measure how much the estimated value of losses due to flooding is in the Sembakung District area. Community economic losses are calculated based on direct losses and indirect losses. The results of this study show that the direct losses experienced by the community after the floods in January 2021 amounted to Rp.48,685,514.97. The indirect losses experienced by the community after the floods in January 2021 amounted to IDR 131,600,000. The total estimated loss experienced by households is IDR 180,254,514.97. The community knows that the house they live in is a flood-prone area, as a result of the flood some of the community's houses have become dirty with silt and garbage carried by the flood.

ECONOMIC VALUE OF CRITICAL LAND IN SEMPAYANG VILLAGE, NORTH KALIMANTAN Pratiwi, Sulistya Rini; Nainggola, Yohanna Thresia; Rahmawati, Meylin
Journal of Applied Economics in Developing Countries Vol 9, No 2 (2024): Journal of Applied Economics in Developing Countries
Publisher : MESP–FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jaedc.v9i2.90199

This research aims to identify the locations of vulnerable critical land areas and assess the economic value of mitigating agricultural land in critical conditions within Sempayang Village, North Kalimantan, Indonesia. The study employs Geographic Information Systems (GIS) to analyze land distribution and the Contingent Valuation Method (CVM) to estimate the economic value. A purposive sampling method was used to select 51 respondents from local farmers, with a focus on their willingness to pay for land rehabilitation. The results of this research are the largest critical land area was found in Malinau District, covering 54,108 hectares. Farmers showed a willingness to pay between Rp. 26,000 and Rp. 30,000 for land rehabilitation efforts, with a total economic value of Rp. 45,360,000 annually for non-critical land. The study underscores the importance of community and government collaboration for effective land restoration programs.

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