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All Journal Buletin Poltanesa Jurnal Ekonomi dan Manajemen Indonesia
Djiu, Agustinus
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Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Implementation of Special Village Financial Assistance Policy to Realizing Village Self Reliance in Rapak Lambur Village Hanapi , Hanapi; Musmuliadi, Musmuliadi; Djiu, Agustinus
Poltanesa Vol 26 No 1 (2025): June 2025
Publisher : P3KM Politeknik Pertanian Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51967/tanesa.v26i1.3371

Abstract

The village plays a central role in Indonesia's decentralized governance and serves as a strategic unit for achieving equitable and sustainable development. In this context, the Special Village Financial Assistance (BKKD/K) policy was introduced as a mechanism to enhance financial capacity, promote local autonomy, and stimulate grassroots development initiatives. This study explores the implementation of the BKKD/K policy in Rapak Lambur Village, Tenggarong District, Kutai Kartanegara Regency, with the objective of assessing its effectiveness in fostering village self-reliance. Using a qualitative case study approach, data were collected through in-depth interviews, participatory observation, and analysis of official documents. The research highlights that BKKD/K has contributed significantly to infrastructure improvements, economic empowerment programs, and increased village-generated income. However, the implementation process faces several persistent challenges, including limited financial management capacity among village officials, inadequate community participation in planning and monitoring, and weak accountability mechanisms. Findings suggest that while the BKKD/K policy has the potential to reduce dependency on central government transfers, its success depends largely on good governance practices such as transparency, accountability, and participatory decision-making. Moreover, enhancing the managerial skills of village apparatus and promoting civic engagement are critical to ensuring sustainable outcomes. The study underlines the importance of adaptive policy support and technical assistance to overcome institutional constraints and to align village development priorities with community needs. Ultimately, the implementation of BKKD/K in Rapak Lambur demonstrates both the promise and the limitations of fiscal decentralization at the village level, offering practical insights for policymakers and practitioners aiming to strengthen village autonomy and resilience across Indonesia.
Analisis Dana Pihak Ketiga Simpanan Berjangka Pada Bank Perkreditan Rakyat Di Kalimantan Timur Setelah Adanya Penjaminan Dana Simpanan Oleh Bank Indonesia Djiu, Agustinus
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 17 No 1 (2017)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/jemi.v17i1.433

Abstract

The Research analysis of public savings on Rural Banks Bank Perkreditan Rakyat in East Kalimantan Region After The Guaranted Gevernment by The Bank Indonesia, to find out the effect of fundamental factors bank as measured using the CAMEL (Capital,Asset Quality, Management, Earning  and  Liquidity)  ratio to changes the amount of deposits and interest rates in Bank Perkreditan Rakyat Kalimantan Timur Region. CAMEL (Capital,Asset Quality, Management, Earning  and  Liquidity)  ratios consists of capital as measured by Capital Adequacy Ratio(CAR), asset quality as measured by Non Performing Loan(NPL), management quality as measured by Non-interest Expenditures to Total Assets (NIETA), earnings as measured by Return on Assets(ROA), liquidity as measured by Cash to Assets(CTA). Research conducted in Kalimantan Timur Region  is also used to find out if there are differences in the behavior of market discipline at the time of a full guarantee, IDR100 million guarantee, and IDR 2 billion guarantee. The results showed while guaranteeing full there was no fundamental factors influential to changes in bank deposits and interest rates, The Nominal Deposit Guarantee by Bank Indonesia and CAMEL (Capital,Asset Quality, Management, Earning  and  Liquidity)  condition have an impact on the movement of public savings while the granting of IDR.100 million CAR(Capital Adequacy Ratio) and  CTA (Cash to Assets) have significant positive effect to changes deposits and significant negatife to interest rates, and than NIETA (Non-interest Expenditures to Total Assets) , has significant negative to changes deposits and significant positive to interest rates, IDR 2 billion guarantee CAR(Capital Adequacy Ratio)  and  ROA (Return On Assets) have positive effect to changes in deposits and significant negative to interest rates. Market discipline occurs at the time of the granting of IDR.2 billion  and is increasing at the moment of granting decrase to IDR.100 million , indicated by number of variables that has a significant effect to changes in deposit and interest rate. whereas when full guarantee market discipline does not occur.Keywords:Deposit guarantee, Interest rate, CAMEL (Capital,Asset Quality, Management, Earning  and  Liquidity), Deposits
Analisis Dana Pihak Ketiga Simpanan Berjangka Pada Bank Perkreditan Rakyat Di Kalimantan Timur Setelah Adanya Penjaminan Dana Simpanan Oleh Bank Indonesia Djiu, Agustinus
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 17 No 1 (2017)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/jemi.v17i1.433

Abstract

The Research analysis of public savings on Rural Banks Bank Perkreditan Rakyat in East Kalimantan Region After The Guaranted Gevernment by The Bank Indonesia, to find out the effect of fundamental factors bank as measured using the CAMEL (Capital,Asset Quality, Management, Earning  and  Liquidity)  ratio to changes the amount of deposits and interest rates in Bank Perkreditan Rakyat Kalimantan Timur Region. CAMEL (Capital,Asset Quality, Management, Earning  and  Liquidity)  ratios consists of capital as measured by Capital Adequacy Ratio(CAR), asset quality as measured by Non Performing Loan(NPL), management quality as measured by Non-interest Expenditures to Total Assets (NIETA), earnings as measured by Return on Assets(ROA), liquidity as measured by Cash to Assets(CTA). Research conducted in Kalimantan Timur Region  is also used to find out if there are differences in the behavior of market discipline at the time of a full guarantee, IDR100 million guarantee, and IDR 2 billion guarantee. The results showed while guaranteeing full there was no fundamental factors influential to changes in bank deposits and interest rates, The Nominal Deposit Guarantee by Bank Indonesia and CAMEL (Capital,Asset Quality, Management, Earning  and  Liquidity)  condition have an impact on the movement of public savings while the granting of IDR.100 million CAR(Capital Adequacy Ratio) and  CTA (Cash to Assets) have significant positive effect to changes deposits and significant negatife to interest rates, and than NIETA (Non-interest Expenditures to Total Assets) , has significant negative to changes deposits and significant positive to interest rates, IDR 2 billion guarantee CAR(Capital Adequacy Ratio)  and  ROA (Return On Assets) have positive effect to changes in deposits and significant negative to interest rates. Market discipline occurs at the time of the granting of IDR.2 billion  and is increasing at the moment of granting decrase to IDR.100 million , indicated by number of variables that has a significant effect to changes in deposit and interest rate. whereas when full guarantee market discipline does not occur.Keywords:Deposit guarantee, Interest rate, CAMEL (Capital,Asset Quality, Management, Earning  and  Liquidity), Deposits
Co-Authors Hanapi , Hanapi Musmuliadi Musmuliadi