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All Journal Tolis Ilmiah: Jurnal Penelitian Jurnal Pepadu Jeinsa : Jurnal Ekonomi Ichsan Sidenreng Rappang
Kurnia, Fakhruddin
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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THE EFFECT OF CREDIT PROVISION AND CREDIT RISK ON RETURN ON EQUITY (ROE) AT PT BANK SULSELBAR MAKASSAR CITY Nurwafiyyah, Auliyah; Kumala Putri P, Andi Sri; Kurnia, Fakhruddin
Jurnal Ekonomi Ichsan Sidenreng Rappang Vol 1 No 01 (2022): June, 2022, Hal : 1-57
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/jeinsa.v1i01.13

Abstract

Auliyah Nurwafiyyah. 2018. The Effect of Credit Provision and Credit Risk on Return On Equity (ROE) at Bank Sulselbar. Supervisor : Suriyanti and Munawir Nasir. This study aims to examine the effect of lending and credit risk having a significant impact on Return On Equity (ROE) in banking companies in South Sulawesi. The data in this study was obtained from the financial statements of banking companies in South Sulawesi. This study uses secondary data by making observations by visiting the Capital Market Information Center (PIPM). The data analysis method used is multiple linear regression analysis using a Likert scale with the help of SPSS analysis. The results showed that partially, the provision of credit has a positive and insignificant effect on Return On Equity (ROE). In contrast, credit risk has a negative and significant impact on Return On Equity (ROE). Simultaneously, credit and credit risk affect Return On Equity (ROE).
PENGUATAN NILAI-NILAI LUHUR KEARIFAN LOKAL MASYARAKAT BUGIS MELALUI PENDEKATAN BUTTERFLY EFFECT DAN RIPPLE EFFECT UNTUK PEMBENTUKAN KARAKTER GENERASI Z Sumartan, Sumartan; Kurnia, Fakhruddin; Ayu, Ari; Arnas, Riska; Putri P, Andi Sri Kumala Putri P; Nurwafiyyah, Auliyah; Basri, Jumriah; Heady S, Muhammad G. Try; Daming, Hamdi M.
Jurnal Pepadu Vol 6 No 2 (2025): Jurnal Pepadu
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/pepadu.v6i2.7528

Abstract

Globalization has had a significant impact on people's lifestyles, including diminishing the younger generation’s appreciation for the noble cultural values of local traditions, such as the Bugis culture in Sidenreng Rappang Regency. This community service program aims to identify and strengthen the noble values of the Bugis local wisdom through the Butterfly Effect and Ripple Effect approaches in shaping the character of Generation Z. Cultural values such as honesty (lempu'), intelligence (amaccang), propriety (assitinajang), resilience (agettengeng), effort (reso), and the principle of shame (siri') serve as the main foundation implemented in culturally-based educational activities. The Butterfly Effect approach involves key individuals as cultural ambassadors to spread these values through small actions that create a significant impact, while the Ripple Effect spreads positive influence continuously through community-based programs. Through intergenerational mentoring programs, folk tale competitions, traditional art performances, and culture-based skills training, the youth of Sidenreng Rappang are encouraged to apply local values in their daily lives. The results of this community service show that the application of these two approaches can enhance pride in local culture and strengthen the character of Generation Z, making them more resilient in facing the challenges of the times without losing their cultural roots
Strategi Adaptasi Dosen PTS dalam Mencapai Work-life Balance: Studi Kasus Pada Universitas Madako Tolitoli Mirayanti; Kurnia, Fakhruddin
Tolis Ilmiah : Jurnal Penelitian Vol 7 No 2 (2025): November
Publisher : LPPM Universitas Madako Tolitoli

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56630/tolis.v7i2.1057

Abstract

Penelitian ini bertujuan untuk mengeksplorasi strategi adaptasi dosen Universitas Madako Tolitoli dalam mencapai work-life balance (WLB) di tengah tuntutan Tri Dharma Perguruan Tinggi yang multifaset. Menggunakan pendekatan kualitatif dengan wawancara mendalam sebagai metode pengumpulan data utama dari dosen lintas fakultas dan jenjang karier, serta didukung analisis dokumen. Penelitian ini menemukan bahwa WLB dosen sangat bergantung pada agensi dan strategi proaktif individu. Tiga tema utama strategi adaptasi yang teridentifikasi dari penelitian ini meliputi: (1) Manajemen waktu dan prioritas adaptif, di mana dosen secara fleksibel mengatur jadwal harian dan mingguan mereka, termasuk alokasi blok waktu khusus untuk riset dan keluarga, serta menerapkan batasan yang tegas antara ranah kerja dan personal. (2) Pencarian dan pemanfaatan dukungan sosial, baik dari rekan kerja melalui sistem dukungan sejawat informal maupun dari keluarga (terutama pasangan), yang terbukti krusial dalam menyeimbangkan tuntutan profesional dan domestik. (3) Pengembangan resiliensi dan penetapan batasan pribadi, di mana dosen belajar untuk mengelola tekanan kerja secara efektif, berani mengatakan "tidak" pada beban berlebih, dan memahami WLB sebagai proses berkelanjutan yang membutuhkan penyesuaian pola pikir. Meskipun kebijakan WLB formal mungkin belum komprehensif di Universitas Madako Tolitoli, penelitian ini menyoroti bahwa fleksibilitas informal dan pemahaman dari atasan langsung turut berperan sebagai faktor pendukung adaptasi individu. Hal ini mengindikasikan signifikansi budaya organisasi yang suportif. Secara keseluruhan, penelitian ini memperkaya literatur WLB dengan perspektif mikro yang mendalam, menekankan bahwa keseimbangan kerja-hidup sangat bergantung pada inisiatif pribadi dan dukungan sosial, di samping kebijakan institusi. Implikasi praktis bagi manajemen sumber daya manusia di Perguruan Tinggi Swasta adalah pentingnya tidak hanya merancang kebijakan formal, tetapi juga menciptakan lingkungan dan budaya yang mendorong fleksibilitas, dukungan rekan kerja, serta pengembangan manajemen diri dan resiliensi dosen.
PENGUATAN NILAI-NILAI LUHUR KEARIFAN LOKAL MASYARAKAT BUGIS MELALUI PENDEKATAN BUTTERFLY EFFECT DAN RIPPLE EFFECT UNTUK PEMBENTUKAN KARAKTER GENERASI Z Sumartan, Sumartan; Kurnia, Fakhruddin; Ayu, Ari; Arnas, Riska; Putri P, Andi Sri Kumala Putri P; Nurwafiyyah, Auliyah; Basri, Jumriah; Heady S, Muhammad G. Try; Daming, Hamdi M.
Jurnal Pepadu Vol 6 No 2 (2025): Jurnal Pepadu
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/pepadu.v6i2.7528

Abstract

Globalization has had a significant impact on people's lifestyles, including diminishing the younger generation’s appreciation for the noble cultural values of local traditions, such as the Bugis culture in Sidenreng Rappang Regency. This community service program aims to identify and strengthen the noble values of the Bugis local wisdom through the Butterfly Effect and Ripple Effect approaches in shaping the character of Generation Z. Cultural values such as honesty (lempu'), intelligence (amaccang), propriety (assitinajang), resilience (agettengeng), effort (reso), and the principle of shame (siri') serve as the main foundation implemented in culturally-based educational activities. The Butterfly Effect approach involves key individuals as cultural ambassadors to spread these values through small actions that create a significant impact, while the Ripple Effect spreads positive influence continuously through community-based programs. Through intergenerational mentoring programs, folk tale competitions, traditional art performances, and culture-based skills training, the youth of Sidenreng Rappang are encouraged to apply local values in their daily lives. The results of this community service show that the application of these two approaches can enhance pride in local culture and strengthen the character of Generation Z, making them more resilient in facing the challenges of the times without losing their cultural roots
Co-Authors Ayu, Ari Basri, Jumriah Daming, Hamdi M. Heady S, Muhammad G. Try Kumala Putri P, Andi Sri Mirayanti Nurwafiyyah, Auliyah Putri P, Andi Sri Kumala Putri P Riska Arnas Sumartan Sumartan Sumartan, Sumartan