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The Influence of Debtor’s Satisfaction Toward Cross-Selling Readiness and Providing Recommendations Saraswati, Henny; Achsani, Noer Azam; Kirbrandoko, Kirbrandoko
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi Vol. 21, No. 3
Publisher : UI Scholars Hub

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The achievement of the banking sector's lending product is not consistently followed by the same level of achievement of other products. Therefore, it is important to observe customer segmentation, figuring out customer satisfaction, and to find out the influence of customer satisfaction toward the customer's willingness to cross-sell and providing recommendations on each segmentation. The purpose of this research paper is to identify individual debtor segment, identifying the influence of debtor's satisfaction toward cross-selling willingness and providing recommendations, as well as to become a business strategy reference for companies. We investigate the service quality (reliability, responsiveness, assurance, empathy, and tangible) to observe the level of both satisfaction and loyalty of the debtors. The research is conducted with 93 respondents. The analytical method that is applied in this research paper is descriptive statistics, cross tabulation, and regression analysis. The research results indicate that the biggest number of debtors is on the low-interest loan segment on service and trade businesses, while for the medium-interest loan and high-interest loan the biggest number is on the trade businesses. In general, each segmentation is willing to cross-sell. However, the high-interest loan segment is more willing to cross-sell. On both low-interest loan and medium-interest loan segments, the debtors are willing to recommend the company's products to their relations. However, the debtors on the high-interest loan tend to be unwilling to do so. The results of this research also clarifies the theory that debtor's satisfaction has a significant relation with the willingness to cross-sell and providing recommendations (customer's loyalty). This may also help managers to provide a proper service for different debtor's segmentation.

PENINGKATAN PENGETAHUAN MASYARAKAT TENTANG TANAMAN TRANSGENIK MELALUI EDUKASI ONLINE Wahyuni, Febriana Dwi; Novianti, Titta; Saraswati, Henny; Seprianto, Seprianto
Jurnal Pengabdian Masyarakat AbdiMas Vol 8, No 01 (2021): Jurnal Pengabdian Masyarakat Abdimas
Publisher : Universitas Esa Unggul

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47007/abd.v8i01.4785

Transgenic plants are genetically modified plants made by inserting one or a number of genes from other organisms, with the aim of obtaining superior and desirable new traits, such as resistance to drought stress, resistance to pests, resistance to herbicides. So far, there are still many people who are worried about the safety of transgenic plants that have been successfully marketed. Therefore, we strive to provide information based on existing references to increase public understanding of GM crops. The educational materials provided consisted of an introduction to plant breeding techniques and the purpose of genetic transformation in plants, gene cloning techniques and the transformation of target genes into plant genomes to produce transgenic plants and molecular techniques used to select transgenic plants which were delivered in the form of online seminars. via zoom and live streaming on youtube. The flow of activities is divided into two stages, namely material presentation and discussion. This activity is expected to increase knowledge about assembling techniques for transgenic plants as an effort to educate the public regarding the safety of transgenic plants. Keywords: biotechnology, cloning, GMOs, transgenic plants

PENGENALAN BIOTEKNOLOGI DAN METODE KULTUR JARINGAN SEBAGAI UPAYA PENINGKATAN WAWASAN SISWA DI SMA YAYASAN PERSIAPAN GENERASI BARU Wahyuni, Febriana Dwi; Novianti, Titta; Saraswati, Henny; Seprianto, Seprianto
Jurnal Pengabdian Masyarakat AbdiMas Vol 6, No 3 (2020): Jurnal Pengabdian Masyarakat Abdimas
Publisher : Universitas Esa Unggul

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47007/abd.v6i3.3333

AbstractHigh school students is a level of secondary school education that will enter a higher level of education in tertiary institutions. Of course, a lot of preparation must be done as a provision after graduating, both knowledge and skills. This community service activity is one of the first steps to introduce and enhance secondary school students' insights about biotechnology. Biotechnology is a relatively new study program in Indonesia. Biotechnology has many focus areas that can be studied, including tissue culture and microbiology. The community service activity aims to provide knowledge not only to students, but also to teachers in the Senior High School Foundation Preparation Foundation regarding tissue culture and microbiology techniques. The method used for the delivery of the material is the lecture and practicum methods. Mastery of tissue culture and microbiology is expected to make students as creative individuals in creating a product that is related to these two focus areas.Ã‚Â Keywords: biotechnology, tissue culture, microbiologyÃ‚Â AbstrakSiswa SMA merupakan tingkatan dari pendidikan sekolah menengah yang akan memasuki tingkatan pendidikan yang lebih tinggi di perguruan tinggi. Tentunya banyak persiapan yang harus dilakukan sebagai bekal setelah lulus nantinya, baik ilmu maupun keterampilan. Kegiatan pengabdian kepada masyarakat ini merupakan Ã‚Â salah satu langkah awal untuk memperkenalkan dan meningkatkan wawasan siswa Sekolah Menengah tentang bioteknologi. Bioteknologi merupakan salah satu program studi yang terhitung baru di Indonesia. Bioteknologi mempunyai banyak bidang fokus yang bisa dipelajari, diantaranya yaitu kultur jaringan dan mikrobiologi. Adapun kegiatan pengabdian kepada masyarakat ini bertujuan untuk memberikan pengetahuan tidak hanya kepada siswa, tetapi juga kepada guru di lingkungan SMA Yayasan Persiapan Generasi Baru mengenai teknik-tekniik kultur jaringan dan mikrobiologi. Adapun metode yang digunakan untuk penyampaian materi tersebut adalah metode ceramah dan praktikum. Penguasaan tentang kultur jaringan dan mikrobiologi ini diharapkan dapat menjadikan siswa sebagai individu yang kreatif dalam menciptakan suatu produk yang berkaitan dengan kedua bidang fokus tersebut.Ã‚Â Kata Kunci : bioteknologi, kultur jaringan, mikrobiologi

ANALISA BIOINFORMATIKA GEN E1 DAN E2 DARI VIRUS HEPATITIS C (HCV) GENOTIPE 1, 2, 3 DAN 6 SEBAGAI KANDIDAT VAKSIN VIRAL-LIKE PARTICLES (VLP) Saraswati, Henny
Indonesian Journal of Biotechnology and Biodiversity Vol 1, No 2 (2017): Indonesian Journal of Biotechnology and Biodiversity
Publisher : Universitas Esa Unggul

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AbstractHepatitis C virus (HCV) causes hepatitis disease. This disease is dangerous due to the large number of people with chronic hepatitis infection. Chronic hepatitis infection may progress to cirrhosis, liver cancer and death. The mortality rate due to liver cancer is quite large and occupies the top 10 causes of death in the world. HCV vaccine is necessary to prevent HCV transmission. The challengeof this vaccine developmentis the genotypes circulate in the world. In Indonesia, there are genotypes 1, 2, 3 and 6. HCV vaccine should be able to protect from most genotype. Therefore, the development of HCV vaccine takes a long time. One vaccine approach sounds promisingis VLP (Viral-like Particles) vaccine. The E1 E2 protein on the surface of the virus is an excellent candidate for VLP vaccine material, because of its immunogenecity. In this study, we didbioinformatics studyto analyzes E1 and E2 genes from genotypes 1, 2, 3 and 6. These genes sequences are obtained fromGenBank, and analyzed further using softwares such as BioEdit Sequence Alignment Editor, BLAST and BLAST Primer. From this study we can obtain E1-E2 gene consensus sequence and also conserved region of E1 and E2 gene sequence. The results of this study can be further used in the development of HCV VLP vaccine candidates.Â Keywords : VLP vaccine, E1 gene, E2 gene.Â AbstrakVirus Hepatitis C (HCV) merupakan penyebab penyakit hepatitis. Penyakit ini berbahaya dikarenakan besarnya angka penderita infeksi hepatitis kronis. Infeksi hepatitis kronis dapat berlanjut menjadi sirosis dan kanker hati, hingga kematian. Angka kematian karena kanker hati cukup besar dan menempati 10 besar penyebab kematian tertinggi di dunia. Vaksin HCV sangat diperlukan untuk mencegah penularan infeksi. Kesulitan yang dihadapi adalah banyaknya genotipe HCV yang beredar. Di Indonesia sendiri terdapat genotipe 1, 2, 3 dan 6. Vaksin HCV harus dapat memberikan proteksi terhadap infeksi beberapa macam genotipe. Oleh karena itu, pengembangan vaksin HCV memerlukan waktu yang cukup lama. Salah satu pendekatan vaksin adalah dengan vaksin VLP (Viral-like Particles). Protein E1E2 yang terdapat pada permukaan virus merupakan kandidat yang sangat baik untuk dijadikan bahan vaksin VLP karena memiliki imunogenesitas yang tinggi. Dalam penelitian ini dilakukan analisa bio informatika terhadap gen E1 dan E2 dari genotipe 1, 2, 3 dan 6. Sekuen gen-gen ini diperoleh melalui Gen Bank dan dianalisa lebih lanjut menggunakan beberapa perangkat lunak seperti Bio Edit Sequence Alignment Editor, BLAST dan Primer BLAST. Berhasil didapatkan sekuen konsensus gen E1-E2 dan juga sekuen lestari dari gen E1 dan E2. Diharapkan hasil penelitian ini dapat digunakan lebih lanjut dalam pengembangan kandidat vaksin VLP HCV.Â Kata kunci : Vaksin VLP, gen E1, gen E2.

KESEHATAN BANK TERHADAP PERTUMBUHAN LABA PADA BANK TABUNGAN PENSIUN NASIONAL SYARIAH PERIODE 2014-2021 Mauliddia , Noer Cholifa; Saraswati, Henny; Suryani
Wahana Islamika: Jurnal Studi Keislaman Vol. 10 No. 1 (2024): Wahana Islamika: Jurnal Studi Keislaman
Publisher : STAI Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/pjmb8t07

Otoritas Jasa Keuangan noted that one of the of Bank Umum Syariah that experienced a decline in profit was the Bank Tabungan Pensiun Nasional Syariah, which experienced a decrease in profit in 2020, which was minus 38.9%. This study aims to determine the effect of the NPF, FDR, ROA, NI and CAR to profit growth at the Bank Tabungan Pensiun Nasional Syariah. The population in this study were 15 Bank Umum Syariah and purposive sampling technique, 1sample was obtained which was used in this study. The analysis technique used is descriptive statistics, classical assumption test: normality, multicollinearity, heteroscedasticity, and autocorrelation, multiple regression analysis, correlation coefficient test (r), coefficient of determination test (adjusted r square), f test (simultaneous) and t test (Partial). The results showed that NPF, FDR, ROA, and NI partially had no effect on profit growth, while CAR had a partial effect on profit growth. Simultaneously all variables affect profit growth. The predictive ability of these five variables on profit growth is 64.8% while the remaining 35.2% is influenced by other variables outside the regression model.

Unveiling the Signature of Halal Leather: A Comparative Study of Surface Morphology, Functional Groups and Thermal Characteristics Syabani, Muh Wahyu; Iswahyuni, Iswahyuni; Warmiati, Warmiati; Prayitno, Kutut Aji; Saraswati, Henny; Hernandha, Rahmandhika Firdauzha Hary
Indonesian Journal of Halal Research Vol 5, No 2 (2023): August
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijhar.v5i2.25702

The halal certification of products holds significant importance for Muslim consumers, necessitating the development of reliable techniques for identifying leather products made from raw materials. This study employed rapid and accurate analytical methods to distinguish between cowhide, pigskin, and artificial leather. A combination of scanning electron microscope (SEM), Fourier transform infrared spectroscopy (FTIR), and differential scanning calorimetry (DSC) was used to assess the variations in collagen fiber structures and thermal stability among the leather samples. The findings revealed that morphological surface analysis, including grain patterns and pores, facilitated swift differentiation between different leather types. Pigskins exhibit three-hole patterns on their morphological surface compared to cowhide, with random pores and tighter grain patterns, whereas artificial leather lacks natural grain patterns and pores altogether. While FTIR spectra exhibited similarities between cowhide and pigskin leathers, variations in vibration intensity enabled effective discrimination. Artificial leather, particularly PVC-based materials, displayed distinct spectra, allowing FTIR spectroscopy to effectively discern between halal and non-halal leather. Cowhide possesses strong and sharp vibration at wavenumber 1736, 1277, and 817 cm-1 compared to pigskin, which has stronger vibration at 1534 cm-1. Meanwhile, PVC-based artificial leather exhibited stretching at 1723 and 744 cm-1 wavenumbers. DSC analysis proved valuable in differentiating between genuine and artificial leather based on unique peaks and thermal behavior. These three techniques provide reliable means to determine the raw material origins of leather products.

Meningkatkan Kepedulian dan Memaksimalkan Transaksi Uang Koin pada Anak Usia Dini di TK Tunas Insan Kamil kota Serang Marfu’ah, Siti; Aguspriyani, Yani; Saraswati, Henny; Ibrahim, Zaini; Hillalliyati, Najmi; Aini, Asti; Raya, Fitri
AKM Vol 5 No 2 (2025): AKM : Aksi Kepada Masyarakat Jurnal Pengabdian Kepada Masyarakat - Januari 2025
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/akm.v5i2.1309

Di tengah maraknya transaksi digital dan penggunaan mata uang virtual, keberadaan uang koin fisik masih memegang peranan penting, terutama dalam konteks inklusi keuangan dan edukasi literasi keuangan sejak usia dini. Uang koin, meskipun sering dianggap kurang praktis, memiliki nilai edukatif yang sangat penting dalam mengenalkan konsep dasar keuangan kepada anak-anak. Uang koin dapat membantu anak-anak memahami nilai uang, pentingnya menabung, dan cara melakukan transaksi sederhana. Penggunaan uang koin dalam aktivitas sehari-hari anak-anak, seperti bermain jual-beli dengan teman-teman, dapat menumbuhkan pemahaman tentang konsep ekonomi dasar dan membantu mereka mengembangkan keterampilan finansial yang akan berguna di masa depan. Penelitian ini bertujuan untuk Membangun Kesadaran Finansial dan Pembiasaan Transaksi Uang Koin pada anak- anak usia dini. Dan dari Penelitian ini menunjukkan bahwa penggunaan uang koin meningkatkan literasi finansial anak usia dini di TK Tunas Insan Kamil kota serang, dengan metode percakapan, tugas, dan observasi.

Unveiling the Signature of Halal Leather: A Comparative Study of Surface Morphology, Functional Groups and Thermal Characteristics Syabani, Muh Wahyu; Iswahyuni, Iswahyuni; Warmiati, Warmiati; Prayitno, Kutut Aji; Saraswati, Henny; Hernandha, Rahmandhika Firdauzha Hary
Indonesian Journal of Halal Research Vol. 5 No. 2 (2023): August
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijhar.v5i2.25702

The halal certification of products holds significant importance for Muslim consumers, necessitating the development of reliable techniques for identifying leather products made from raw materials. This study employed rapid and accurate analytical methods to distinguish between cowhide, pigskin, and artificial leather. A combination of scanning electron microscope (SEM), Fourier transform infrared spectroscopy (FTIR), and differential scanning calorimetry (DSC) was used to assess the variations in collagen fiber structures and thermal stability among the leather samples. The findings revealed that morphological surface analysis, including grain patterns and pores, facilitated swift differentiation between different leather types. Pigskins exhibit three-hole patterns on their morphological surface compared to cowhide, with random pores and tighter grain patterns, whereas artificial leather lacks natural grain patterns and pores altogether. While FTIR spectra exhibited similarities between cowhide and pigskin leathers, variations in vibration intensity enabled effective discrimination. Artificial leather, particularly PVC-based materials, displayed distinct spectra, allowing FTIR spectroscopy to effectively discern between halal and non-halal leather. Cowhide possesses strong and sharp vibration at wavenumber 1736, 1277, and 817 cm-1 compared to pigskin, which has stronger vibration at 1534 cm-1. Meanwhile, PVC-based artificial leather exhibited stretching at 1723 and 744 cm-1 wavenumbers. DSC analysis proved valuable in differentiating between genuine and artificial leather based on unique peaks and thermal behavior. These three techniques provide reliable means to determine the raw material origins of leather products.

ANALYSIS OF INTEREST IN SAVING IN SHARIA BANK AMONG FEBI STUDENTS OF UIN SMH BANTEN M, Shiffa Aida; A, Athiyya Rizky; Azahra, Luvita; Saraswati, Henny; Hidayat, Wahyu
Islamic Financial And Accounting Review Vol 2 No 1 (2023): Islamic Financial And Accounting Review (iFAR)
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/ifar.v2i1.5317

This study aims to find out the students of UIN SMH Banten in Islamic Banks. Questionnaires were distributed to 32 FEBI students at UIN SMH Banten, Serang City. The collected data were analyzed using descriptive and inferential statistics. Based on the data obtained, it is known that the variables of bank reputation and beliefs influence the interest in saving for UIN SMH Banten students in Islamic banks. The purpose of this study is to analyze the interest of FEBI students at UIN SMH Banten in saving at Islamic banks. This research is quantitative descriptive research using primary data. The variables used in this study consist of bank reputation and trust as independent variables and interest in saving students as the dependent variable. The data collection method uses by providing questionnaires. The method used in this research is descriptive analysis.The results of the study show that the difference between men and interest in savings in Islamic banks is significantly different. Keywords: Analysis, Interest in Saving, Islamic Banks, FEBI Students

Pendampingan Peningkatan Ekonomi Kreatif Oleh-Oleh Khas Bekasi Bandeng Rorod dalam Upaya Mendukung Potensi Lokal di Bekasi Timur: Assistance in Increasing the Creative Economy of Bekasi Traditional Food Bandeng Rorod in Efforts to Support Local Potential in East Bekasi Asri, Dyah Permata Budi; Sari, Athina Kartika; Saraswati, Henny
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 10 No. 5 (2025): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v10i5.9008

Milkfish is one of the mainstays of fishery products for consumption in the Bekasi Regency, especially in Muara Gembong District, Bekasi Regency. In 2021 alone, the production of milkfish in Bekasi Regency reached 11,607 tons per year. With the large production of milkfish, many people have taken the opportunity to open culinary businesses, restaurants, and souvenirs made from milkfish. One of them is the Mpok Omah (Bandeng Rorod) culinary center, which has been running a Bandeng Rorod business since 2011, located at Perumnas 3, Jalan Maluku Raya Blok C1 No.3, East Bekasi. The purpose of this service was to provide solutions from the aspects of production, marketing, and management of Bandeng Rorod partners. The method used was socialization, mentoring, and procurement of machines/tools for production. The programs that have been implemented are in the form of education and socialization of the urgency of IPR protection for MSMEs, Socialization of export strategies for MSMEs, socialization of food security and food labels, procurement of vacuum machines, dough mixers, and stacking steaming pans. With this program, it is hoped that partners will increase the quantity and quality of their products.

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