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All Journal Kurs : Jurnal Akuntansi, Kewirausahaan dan Bisnis Jurnal Aktiva : Riset Akutansi dan Keuangan Jurnal Ilmiah Sistem Informasi dan Ilmu Komputer JURNAL RUMPUN MANAJEMEN DAN EKONOMI Saturnus: Jurnal Teknologi dan Sistem Informasi
DWI UTAMI
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Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Mathematics Social Sciences

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Strategi Penanganan Non-Perfoming Loan dan Implikasinya terhadap Stabilitas Keuangan Bank: Studi Kasus pada Bank Sulselbar Nurul Chalisa Majiding; Ambarwati Akib; Dwi Utami; Sri Utami; Magfirah Wahyu Ramadhani
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 2 No. 3 (2025): Mei
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v2i3.4527

Abstract

This study examines the strategies employed by Bank Sulselbar to manage non-performing loans (NPL) and their implications for the bank’s financial stability. Using a qualitative case study approach, in-depth interviews and conducted alongside internal document analysis. Findings reveal that a combination of preventive measures—such as strict credit appraisal and ongoing monitoring—and curative actions—including loan restructuring, intensive debtor communication, and collateral execution—have effectively contained NPLs below the central bank’s threshold of 5%. Despite external shocks from the COVID-19 pandemic and regional natural disasters, Bank Sulselbar maintained a Loan-to-Deposit Ratio (LDR) of 88% and Capital Adequacy Ratio (CAR) above regulatory minima. However, rising NPLs in the agricultural and MSME segments necessitate portfolio diversification and enhanced stress testing to safeguard long-term liquidity and solvency. This research contributes to localized risk management literature and offers practical insights for regulators and regional banks.
THE EFFECT OF GREEN INNOVATION, CARBON EMISSION DISCLOSURE, AND ENVIRONMENTAL COSTS ON COMPANY VALUE Akib, Ambarwati; Majiding, Nurul Chalisa; Utami, Sri; Utami, Dwi; Ramadhani, Magfirah Wahyu
Kurs : Jurnal Akuntansi, Kewirausahaan dan Bisnis Vol 10 No 1 (2025): Kurs : Jurnal Akuntansi, Kewirausahaan dan Bisnis
Publisher : Institut Bisnis dan Teknologi Pelita Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35145/kurs.v10i1.5102

Abstract

The purpose of this study was to analyze the effect of (1) green innovation on firm value, (2) carbon emission disclosure (CED) on firm value, (3) environmental costs on firm valueI. This research uses quantitative research methods. The sampling procedure in this study was based on a purposive sampling method, the population in this study totaled 52 companies with 260 data. This study uses secondary data, which is obtained from the internet through the official IDX website (www.idx.co.id ) and the official website of each company. The data used are annual reports and sustainability reports published by each company that is the sample of this study. The statistical method used to test the hypothesis is by using the SPSS statistical application. The research results show that green innovation, carbon emission disclosure, and environmental costs positive effect on firm value. Tujuan penelitian ini adalah menganalisis pengaruh (1) inovasi hijau terhadap nilai perusahaan, (2) pengungkapan emisi karbon (CED) terhadap nilai perusahaan, (3) biaya lingkungan terhadap nilai perusahaan. Prosedur pengambilan sampel dalam penelitian ini berdasarkan metode purposive sampling, populasi dalam penelitian ini berjumlah 52 perusahaan dengan jumlah data 260. Penelitian ini menggunakan data sekunder, yang diperoleh dari internet melalui situs web resmi BEI (www.idx.co.id) dan situs web resmi masing-masing perusahaan. Data yang digunakan adalah laporan tahunan dan laporan keberlanjutan yang diterbitkan oleh masing-masing perusahaan yang menjadi sampel penelitian ini. Metode statistik yang digunakan untuk menguji hipotesis adalah dengan menggunakan aplikasi statistik SPSS. Hasil penelitian menunjukkan bahwa inovasi hijau, pengungkapan emisi karbon, dan biaya lingkungan berpengaruh positif terhadap nilai perusahaan.
Eksplorasi Sharia Compliance dan Transparansi Sistem Akuntansi pada Koperasi Syariah di Kota Makassar Ambarwati Akib; Nurul Chalisa Majiding; Dwi Utami
Jurnal Aktiva : Riset Akuntansi dan Keuangan Vol 7 No 2 (2025): Juni 2025
Publisher : Program Studi Akutansi - Universitas Nusa Putra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52005/aktiva.v7i2.283

Abstract

This study aims to evaluate the implementation of sharia compliance and the transparency of the accounting system at KSPPS Bakti Huria Syariah. Using a qualitative approach with a case study method, data were collected through in-depth interviews, observation, and document analysis. The results indicate that KSPPS Bakti Huria has implemented a PSAK Syariah-based accounting system supported by automated digital tools. The cooperative employs mudharabah, murabahah, ijarah, and wadiah contracts in its operations. Sharia compliance is maintained through the supervision of the Sharia Supervisory Board (DPS), and financial reporting meets sharia accounting principles, although members' understanding of the reports remains limited. The study recommends enhancing members' sharia literacy, continuous staff training, and strengthening the DPS’s role in disseminating financial information to improve the overall quality of sharia principles implementation.
Implementasi Sistem Marketplace “Pasar Kita” Berbasis Web Menggunakan PHP dan MySQL Dwi Utami; Nurhidayah Nurhidayah
Saturnus : Jurnal Teknologi dan Sistem Informasi Vol. 3 No. 3 (2025): Juli : Saturnus : Jurnal Teknologi dan Sistem Informasi
Publisher : Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/saturnus.v3i3.1221

Abstract

This study focuses on the development and implementation of “Pasar Kita,” a web-based marketplace system designed to facilitate digital transactions for traditional market sellers and consumers. The system was developed using PHP as the backend programming language and MySQL as the database management system. The purpose of this project is to address the digital gap experienced by traditional market vendors who have limited access to modern e-commerce platforms. The research includes a needs analysis, system design using UML diagrams, implementation of main features such as registration, login, product management, transactions, checkout, and order tracking, followed by system testing. The results show that all major functions operate properly, including user authentication, product uploads, order processing, and payment simulations via transfer or cash-on-delivery (COD). System testing indicates that the platform meets usability, functional, and responsiveness criteria. The findings highlight the system’s capability to support local economic digitalization by providing an accessible and user-friendly marketplace for traditional market vendors and consumers.
Analisis Pola Transaksi Belanja Online Menggunakan Algoritma Apriori Dwi Utami; Rosmala Dwi; Nurhidayah Nurhidayah
Saturnus : Jurnal Teknologi dan Sistem Informasi Vol. 1 No. 4 (2023): Oktober: Saturnus : Jurnal Teknologi dan Sistem Informasi
Publisher : Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/saturnus.v1i4.1222

Abstract

This study aims to analyze purchasing patterns in online transactions using the Apriori algorithm to support sales strategy optimization. The research was conducted on transactional data from an online store selling household and daily-use products. The Apriori method was applied to identify associations between items based on minimum support and confidence thresholds. Four experimental scenarios were tested to compare the reliability of generated rules and determine the strongest item relationships. Data preprocessing included item grouping, transaction coding, and elimination of non-frequent items. The results show several strong association rules with lift ratio values above 1, indicating meaningful item relationships. The strongest rule identified was the association between forks and spoons, forming a highly relevant combination for product bundling strategies. The findings demonstrate that the Apriori algorithm can assist online stores in planning stock, designing product bundling, and improving marketing effectiveness. The research contributes practical insights for business decision-making and highlights the significance of data mining in e-commerce environments.
Sistem Informasi Tracer Study di Universitas Nahdaltul Ulama Lampung dengan PHP Native Nuari Anisa Sivi; Dwi Utami; Maulana Malik Hidayatullah
Jurnal ilmiah Sistem Informasi dan Ilmu Komputer Vol. 4 No. 1 (2024): Maret : Jurnal ilmiah Sistem Informasi dan Ilmu Komputer
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/juisik.v4i1.1823

Abstract

Tracer studies are an important tool for universities to evaluate the achievement of graduate profiles, the relevance of the curriculum to the world of work, and the fulfillment of accreditation data requirements. At Nahdlatul Ulama University Lampung, the tracer study process was previously carried out manually and separately using Google Forms and spreadsheets, resulting in alumni data that was not centralized, prone to duplication, and difficult to analyze. This study aims to design, develop, and test the feasibility of an integrated web-based Tracer Study Information System at Nahdlatul Ulama University Lampung. The method used is software research and development with a Waterfall model, which includes needs analysis, design using UML, system implementation with PHP Native, MySQL, HTML, CSS, and JavaScript, and testing using Black Box Testing and user feasibility tests. The developed system provides admin and alumni login features, CRUD-based alumni data management, online tracer study questionnaire forms, data visualization dashboards using graphs, and a tracer report module equipped with filters and data export in CSV format. The Black Box testing results showed that all functions were 100% valid according to the scenario, while the feasibility test resulted in a score of 85% with a category of “Very Feasible”. Thus, the tracer study information system built is declared capable of improving the effectiveness of alumni data collection and management and supporting accreditation and quality assurance needs at Nahdlatul Ulama University Lampung.
Co-Authors Akib, Ambarwati Magfirah Wahyu Ramadhani Majiding, Nurul Chalisa Maulana Malik Hidayatullah Nuari Anisa Sivi Nurhidayah Nurhidayah Rosmala Dwi Sri Utami SRI UTAMI