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Rini Handayani
Telkom University
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Manajemen Risiko Pembiayaan Kolektibilitas 2 pada Produk Kredit Ringan BTN Syariah dalam Perspektif Ekonomi Islam (Studi pada BTN Syariah Kantor Cabang Pontianak) Handayani, Rini; Surya Atmaja, Dwi; Prihantono, Prihantono
Journal of Accounting and Finance Management Vol. 6 No. 5 (2025): Journal of Accounting and Finance Management (November - December 2025)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jafm.v6i5.2882

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh manajemen risiko terhadap kualitas pembiayaan Kolektibilitas 2 (Dalam Perhatian Khusus/DPK) pada produk pembiayaan Kredit Ringan BTN Syariah Kantor Cabang Pontianak, baik secara langsung maupun melalui penerapan prinsip ekonomi Islam. Kolektibilitas 2 merupakan fase awal risiko pembiayaan yang sangat menentukan keberlanjutan kualitas portofolio sebelum memasuki kategori pembiayaan bermasalah (Non-Performing Financing). Penelitian ini menggunakan pendekatan kuantitatif dengan metode Structural Equation Modeling–Partial Least Square (SEM-PLS). Data dikumpulkan melalui kuesioner terhadap nasabah pembiayaan Kredit Ringan yang masuk kategori Kolektibilitas 2. Hasil penelitian menunjukkan bahwa manajemen risiko berpengaruh positif dan signifikan terhadap kualitas pembiayaan Kolektibilitas 2. Prinsip ekonomi Islam juga terbukti berpengaruh positif dan signifikan terhadap kualitas pembiayaan, serta berperan sebagai variabel mediasi dalam hubungan antara manajemen risiko dan kualitas pembiayaan. Temuan ini mengindikasikan bahwa penguatan sistem manajemen risiko yang selaras dengan nilai-nilai ekonomi Islam mampu meningkatkan kualitas pembiayaan dan mencegah eskalasi risiko menuju pembiayaan bermasalah. Penelitian ini memberikan kontribusi teoretis dalam pengembangan literatur manajemen risiko perbankan syariah serta implikasi praktis bagi BTN Syariah dalam memperkuat sistem early warning system berbasis maqashid syariah.
The Pengaruh Brand Awareness dan Brand Loyalty Terhadap Keputusan Pembelian Pada Produk Air Minum Biru (Studi Kasus Pada Masyarakat Di Kecamatan Dayeuhkolot Kabupaten Bandung) Azhar, Aufa; Handayani, Rini
Jurnal Ilmiah Wahana Pendidikan Vol 11 No 12.D (2025): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

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

Abstract

This research was conducted on consumers of Blue Drinking Water products in Dayeuhkolot District, Bandung Regency. The purpose of this study was to determine how much influence brand awareness and brand loyalty have on purchasing decisions both partially and simultaneously. The research methods to be used in this research are descriptive and associative methods. In this study, the unit of analysis is individuals who are consumers of Blue Drinking Water products in Dayeuhkolot District, Bandung Regency. The sample in this study were 156 respondents. Sampling with certain considerations or criteria is a sampling technique used in this study. The analysis method uses multiple linear regression, in addition, the validity and reliability of the research instrument is also carried out. Based on the results of the study, it shows that there is an influence both partially and simultaneously on exogenous variables (brand awareness and brand loyalty) on endogenous variables (purchasing decisions). The effect of brand awareness on purchasing decisions is 13.2%, while the effect of brand loyalty on purchasing decisions is 16.7%. The effect of brand awareness and brand loyalty on purchasing decisions is 29.9%.
Pola Makan sebagai Faktor Risiko Hipertensi pada Pekerja : Diet as a Risk Factor for Hypertension in Workers Handayani, Rini; Mutiara Sanni, Nada; Ayu, Ira Marti
Media Publikasi Promosi Kesehatan Indonesia (MPPKI) Vol. 6 No. 4 (2023): April 2023
Publisher : Fakultas Kesehatan Masyarakat, Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/mppki.v6i4.2963

Abstract

Latar belakang: Hipertensi merupakan salah satu penyebab kematian di dunia. Di Indonesia, prevalensi Hipertensi pada tahun 2018 sebesar 34,1%. Di Kota Tangerang, jumlah kejadian Hipertensi mencapai 93.820 kasus. Pada tahun 2019, prevalensi Hipertensi di PT. Jalan Laut Abadi mencapai 54,5%. Tujuan: Tujuan penelitian adalah untuk mengetahui hubungan pola makan dan kejadian Hipertensi pada pekerja bagian office di PT. Jalan Laut Abadi Tangerang. Metode: Desain penetian Cross-sectional digunakan dalam penelitian ini. Populasi penelitian adalah seluruh pekerja bagian office di PT. Jalan Laut Abadi tahun 2020. Sampel penelitian adalah 167 pekerja bagian office di PT. Jalan Laut Abadi tahun 2020. Sampel dipilih dengan menggunakan teknik simple random sampling. Data hipertensi didapatkan dengan pengukuran menggunakan tensimeter dan data pola makan berupa kebiasaan mengonsumsi sayur, buah, daging merah, makanan berlemak, garam dan penyedap, makanan cepat saji, gorengan, kopi dan alkohol didapatkan dari wawancara dengan menggunakan FFQ (Food Frequency Questionnaire). Analisis dilakukan dengan uji Chi-square. Hasil: Hasil analisis menunjukkan terdapat 65,9% pekerja bagian office yang mengalami Hipertensi. Uji Chi-square menunjukkan ada hubungan antara konsumsi sayuran (p-value: 0,015), konsumsi buahan (p-value: 0,001), konsumsi makanan berlemak (p-value: 0,017), konsumsi makanan cepat saji (p-value: 0,032), konsumsi gorengan (p-value: 0,015) dan hipertensi pada pekerja. Analisis juga menunjukkan tidak ada hubungan antara konsumsi daging merah (p-value: 0,261), konsumsi garam dan penyedap (p-value: 0,765), konsumsi kopi (p-value: 0,680), dan konsumsi alcohol (p-value: 0,577) dengan hipertensi. Kesimpulan: Jadi, faktor risiko yang berhubungan dengan kejadian Hipertensi pada pekerja bagian office di PT. Jalan Laut Abadi adalah konsumsi sayuran, konsumsi buahan, konsumsi makanan berlemak, konsumsi makanan cepat saji, dan konsumsi gorengan.
ANALISIS INOVASI PRODUK DAN PENGARUH MODEL BISNIS SARISA MERAPI TERHADAP STRATEGI DIVERSIFIKASI PRODUK OLAHAN SALAK PONDOH DI KABUPATEN SLEMAN Rini Handayani; Shalahuddin, Shalahuddin
Nusantara Hasana Journal Vol. 5 No. 8 (2026): Nusantara Hasana Journal, January 2026
Publisher : Yayasan Nusantara Hasana Berdikari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59003/nhj.v5i8.1850

Abstract

Sleman Regency possesses significant potential for Salak Pondoh production, yet product diversification among MSMEs remains relatively low. This study aims to analyze the influence of Sarisa Merapi’s Business Model (X1) and Product Innovation (X2) on Product Diversification strategies (Y) within salak-based MSMEs in Sleman. The research employed a quantitative associative method with a sample of 30 MSME practitioners. Data were collected via questionnaires and analyzed using multiple linear regression through SPSS software. The results indicate that, partially, Product Innovation has a positive and significant effect on Product Diversification. Conversely, Sarisa Merapi’s Business Model has a negative and non-significant influence on Product Diversification. This suggests that merely utilizing a successful entity as a role model without internal innovation capabilities is insufficient to drive effective product diversification. Simultaneously, both variables significantly influence diversification strategies, contributing 45.9% to the variance. This study recommends the importance of enhancing internal innovation capacity and adopting appropriate technology for MSMEs to increase the value-added of agribusiness products.
Transformasi Digital Sebagai Pilar Penguatan Peran Ma'had Al-Jami'ah IAIN Pontianak dalam Masyarakat 5.0 Prihantono; Handayani, Rini; Kurniawan, Tio Rizki; Imansyah, Teguh; Arnita, Teti; Nursanti; Selamet
Belalek Vol. 3 No. 2 (2025): BELALEK: Jurnal Pengabdian Kepada Masyarakat (Journal of Community Services)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/belalek.v3i2.4571

Abstract

Digital transformation and the Society 5.0 paradigm require Islamic educational institutions to adapt strategically, not only in terms of technology, but also in values, ethics, and their social role. Ma’had Al-Jami’ah IAIN Pontianak, as an institution for character, spiritual, and intellectual development, holds a strategic position in preparing students to become navigators of digital change. This Community Service with Scientific Orientation (PKM-KI) was carried out in the form of a socialization program entitled “Digital Transformation as a Pillar for Strengthening the Role of Ma’had Al-Jami’ah IAIN Pontianak in Society 5.0”, targeting Ma’had administrators, musyrif/musyrifah, and resident students. The methods used included interactive lectures, presentation of national digital data, group discussions, and participatory approaches in a two-hour session. The results indicate five main outcomes: (1) increased awareness of the urgency of digital adaptation within Ma’had; (2) better understanding of the concept and position of Society 5.0; (3) strengthened digital literacy, ethics, and cyber security awareness, leading to the initiative to formulate a Ma’had Digital Ethics SOP; (4) broader insight into digitalpreneurship opportunities and the use of creative content as a medium for da’wah, education, and the creative economy; and (5) growing awareness of the importance of a collaborative digital ecosystem involving Ma’had, the wider campus, communities, government, and industry. Overall, this PKM-KI program provides an initial foundation for strengthening the role of Ma’had Al-Jami’ah in shaping adaptive, competitive, and solution-oriented students in the era of Society 5.0.
Employee Performance Analysis Based on Human Resources Management Practices in Private Hospital in Surakarta Handayani, Rini; Kasidin, Kasidin
Media Ekonomi dan Manajemen Vol 37, No 1 (2022): January 2022
Publisher : Fakultas Ekonomika dan Bisnis UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (513.599 KB) | DOI: 10.24856/mem.v27i01.2428

Abstract

Human resource management (HRM) is the foundation to face business competition. Organizational strategies related to HRM create satisfaction among employees so that employees perform well and can create a competitive advantage for their organization. The need for human resources in the hospital industry has developed along with the availability of hospitals reaching 2813 hospitals in Indonesia. This of course requires superior human resources performance. HRM practices are expected to drive human resources performance and achieve a competitive advantage in the hospital industry. This study will examine the effect of HRM practices, namely training, performance appraisal, and compensation systems on employee performance. Furthermore, this study will also examine the role of job satisfaction to mediate HRM practices on employee performance. The study was conducted in a private hospital in the Surakarta area with a sample of 120 respondents. Convenience sampling technique as a sampling method used to collect samples using a questionnaire. SmartPLS is used to analyze research data. The results showed that there was a significant positive effect on HRM Practices (training, performance appraisal, compensation system) on employee performance. However, job satisfaction only mediates the effect of performance appraisal and compensation system on employee performance, while job satisfaction does not play a role in mediating the effect of training on employee performance..
Pendampingan Sistem Penjualan Kredit Pada UD Anugrah Indah Surakarta Farida, Arif; Handayani, Rini
JANAKA : JURNAL PENGABDIAN MASYARAKAT KEWIRAUSAHAAN INDONESIA Vol 6, No 2 (2025): JURNAL PENGABDIAN MASYARAKAT DAN KEWIRAUSAHAAN INDONESIA
Publisher : STIE Atma Bhakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36600/janaka.v6i2.501

Abstract

Tujuan dari penjualan kredit adalah untuk meningkatkan penjualan dan memperluas pangsa pasar. Tujuan dalam kegiatan pengabdian ini adalah untuk mendampingi UD Anugrah Indah dalam mencatat penjualan Kredit yang telah diterapkan. Dengan menggunakan metode pandampingan secara langsung yang telah dilaksanakan oleh tim pengabdian. Hasil dari kegiatan pengabdian ini adalah Hasil pendampingan menunjukkan bahwa permasalahan utama berupa keterlambatan pembayaran dan potensi piutang tak tertagih dapat direspons melalui perbaikan sistem, prosedur kerja, serta peningkatan kapasitas sumber daya manusia. Implementasi rekomendasi yang diberikan, seperti penyusunan SOP pengelolaan piutang, pencadangan piutang tak tertagih, serta penguatan sistem informasi, diharapkan mampu meningkatkan ketertiban administrasi, mempercepat perputaran piutang, dan menjaga stabilitas arus kas perusahaan.Kata Kunci: Penjualan Kredit, pendampingan, UD Anugrah Indah
Kepuasan Pasien terhadap Pelayanan Pendaftaran Rawat Jalan Rumah Sakit Pemerintah: Analisis Kesenjangan Ekspektasi dan Persepsi Heryana, Ade; Farhana, Najla Kamilia; Nurmawaty, Dwi; Handayani, Rini
Jurnal ARSI : Administrasi Rumah Sakit Indonesia
Publisher : UI Scholars Hub

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Abstract

Outpatient registration services represent a critical touchpoint in the patient experience at hospitals. A mismatch between expectations and the actual service delivered can affect patient satisfaction. Public hospitals continue to face complaints related to the registration process, such as long waiting times, unclear information, and inadequate waiting facilities. This study aims to assess patient satisfaction with outpatient registration services by comparing expectations and perceptions based on Expectancy Disconfirmation Theory and by using the Importance Performance Analysis (IPA) method to provide service improvement recommendations. This quantitative study employed an analysis of identically similar characteristics of paired Expectation and Perception 84 patients, using a questionnaire based on the World Health Organization’s seven service quality dimensions. The findings reveal a negative gap between expectation scores (mean = 3.21, CI Lower Bound = 3.0204, Upper Bound = 3.3956) and perception scores (mean = 2.75, CI Lower Bound = 2.5008, Upper Bound = 2.9962). The Wilcoxon Signed Rank Test showed a significant difference (p-value < 0.05) between expectations and perceptions. The IPA analysis indicated that priority service attributes that need to be improved include the availability of waiting chairs, accuracy and speed, attention and empathy, and service discrimination. These results suggest that outpatient registration services in public hospitals have not fully met patient expectations. Therefore, improving service quality in several key attributes is crucial to enhancing patient satisfaction.
Karakteristik Ketidakpatuhan Pekerja Harian Menggunakan Alat Pelindung Diri (APD) di Pabrik X tahun 2025 Elisa Putri Agustin; Rini Handayani; Putri Handayani; Ade Heryana
SEHATMAS: Jurnal Ilmiah Kesehatan Masyarakat Vol. 5 No. 1 (2026): Januari 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/sehatmas.v5i1.6456

Abstract

Based on observations and interviews conducted by the researcher in 2025 with 10 daily workers in the production department of Factory X, it was found that all workers (100%) exhibited poor behavior in the use of personal protective equipment (PPE), namely, they did not use PPE completely. Thru interviews, it was also found that there had been work accident incidents, such as a worker whose hand was blistered from being scalded by hot water from the boiler machine, preventing them from working for several months. There were also other workers who sustained hand injuries from the machine. This study aims to identify the characteristics of workers who do not comply with the use of PPE. This study uses a quantitative approach with a cross-sectional study design, and data collection was carried out thru questionnaires using the total sampling method. The population in this study includes all daily production workers at Factory X, totaling 51 people. The results of the univariate analysis show that 41 people (100% of respondents) are not compliant with the use of PPE. The characteristics of non-compliant workers are dominated by those aged ≥ 30 years, totaling 36 people (87.8%). By gender, most are male, with 34 people (82.9%). Meanwhile, there are 24 workers (58.5%) with a good level of knowledge. However, 26 workers (63.4%) show a poor attitude toward PPE use. From a supervision perspective, 23 people (56.1%) stated that supervision was good. Regarding the comfort of using PPE, 21 workers (51.2%) stated that they felt uncomfortable. Based on these findings, the researchers suggest that factory management issue warnings or sanctions to workers who do not comply with PPE usage rules, and conduct awareness campaigns.
Determinants of Sociodemographic and Health Information Factors on the Decision to Undergo Pap Smear among Women of Reproductive Age in Pulau Harapan Nurmawaty, Dwi; Handayani, Rini; Muniroh, Muniroh
Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) Vol. 5 No. 03 (2026): Jurnal Ilmiah Multidisplin Indonesia (JIM-ID), March 2026
Publisher : Sean Institute

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Abstract

Cervical cancer was the fourth most common cancer among women worldwide in 2022, with an estimated 604,000 new cases and 342,000 deaths. In Indonesia, according to the 2018 Basic Health Research (Riskesdas), cervical cancer ranks second after breast cancer, with an incidence of approximately 23 cases per 100,000 population and a mortality rate of 17 per 100,000 population. This study employed a quantitative approach with a cross-sectional design. The population consisted of 561 women of reproductive age residing in Pulau Harapan Village. The sample size was determined using a two-proportion test, resulting in 150 respondents. Data were collected using a questionnaire that had been tested for validity and reliability. Data analysis included univariate and bivariate analyses using the Chi-square test. The majority of respondents were aged 30–39 years, married, had higher education, were unemployed or housewives, and had a monthly income of less than IDR 3,000,000. Most respondents reported easy access to healthcare facilities and received information and education about cervical cancer from healthcare professionals. Sociodemographic factors significantly associated with Pap smear utilization were age (p = 0.000) and marital status (p = 0.000). Meanwhile, the health information factor significantly associated with Pap smear utilization was the source of health information (p = 0.040). These findings indicate that improving Pap smear utilization in island communities requires strengthening community-based health education strategies and optimizing the role of healthcare professionals as primary sources of health information. It is recommended that community health centers and local governments intensify active promotion, expand periodic mass screening programs, and integrate Pap smear education into routine health services to increase early cervical cancer detection among women of reproductive age.
Co-Authors Aan Abdul Azis Abdul Holik Abdul Rahman Ade Heryana Adevindi Dwi Agustya Adila, Mahesa Cipta Aditya Yudanegara Ady Supriyadi Agus Hendra Al Rahmad Agus Maolana Hidayat Ahmad Irfandi Akbar Hanif Dawam Abdullah, Akbar Hanif Dawam Albanjari, Sabar Hati Alfia, Rival Alfika Safitri Alfridsyah Alfridsyah Alia Keumala Muda, Cut Alini Gilang Amalia, Rila Amanda, Verna Budi Amelia Amelia Amelia Ramadhani, Amelia Amelia Sari Amelia, Indah Anak Agung Gde Agung Anak Agung Gde Agung Anang Sularsa Andhi Sukma Andrea, Dio Rafly Angeliana K, Devi Apdila, Nadia Arif Farida Arlin Ferlina Mochamad Trenggana Arnita, Teti Arry Widodo Aryanti, Ega Kirana Aryanti Astadi Pangarso Astuti, Yoni Aulianshah, Vonna Aurora Angela AYU WANDIRA Azhar Yamin , Alfian Azhar, Aufa Bachruddin Saleh Luturlean Bagus Isnu Bala, Rima Parawati Berwi F Pamudi Berwi Fazri Pamudi Cahya, Oktania Cantika Agustianty Gunanto Cempaka Putri, Eka Cholisa Resmi Sari Cindy Zljihan Kartika Clara Elnisa Woro Hanadi Cut Alia Kemala Muda Cut Alia Keumala Muda Dadan Nugraha Damayanti, Hazfrina Danan Aryadi Wicaksono Dara Nurhidayati Decy Situngkir Deddy Dwi Nurcahyono, Deddy Dwi Desi Yana Sari Desna Anisah Ratnaningrum Desyawati Utami Devi Angeliana Kusumaningtiar Devie Ryana Suchendra Dewi, Fera Roswita Deybi Julianti Napitu Dhea Adinda Dina Masyithah Dini Trifani Djari, Anthon Anthonny Dwi Fitri Yani Dwi Nurmawaty Dwi Oktaviani, Nadia Edi Priyono Eff, Aprilita Rinayanti Ekhsonov, Jasur Eko Setyanto Elfrida Ratnawati Elisa Putri Agustin Ely Wahyuni Endah Purnamasari Edhy Endang Sulastri Eni Prihati Enny Prayogo Erlina Puspitaloka Mahadewi Erna Veronika F Frengki fadillah, aprilia nur Fadlurrohmansyah Prianto Faizal Gifari Fajar, Rizal Fansuri Munawar Farhana, Najla Kamilia Fauzi Sirait Fauziah Fauziah Febriyanty, Deasy Fenitra, Rakotoarisoa Maminirina Ferdiansyah, Muhamad Rifki Fierdania Yusvita Fikriyyah, Nabila Shafa Firdiana, Bonita Fithriyah Rahmawati Fragarian Meydika Frengki Frengki, Frengki Frengki, F Geminastiti Sakkir Getar Millennium Udara Gita Indah Hapsari Giva Andriana Mutiara Gunawan, Tedi Habiba Kamila Fatin Hairul Efendi Hakim, Fikril Hakim, Haris Hasanul Halimatussakdiah Halimatussakdiah Handayani Tri Wijayanti Handayani, Rani Nuri Hapsari, Ayuningtyas Y. Hari Prayogo Hariyanti, Widi Hartati Apriani hazizah, zalsa bella risky nur Helda Zerlyfera Hendra Dhermawan Sitanggang Heni Widihastuti Henny Uswatun Hasanah, Henny Uswatun Herlina Herlina Herlina Herlina Heru Nugroho Hery Widijanto Heryana, Ade Hidup Marsudi, Hidup Hilwa Syahidah I Nyoman Agus Wijaya Ichsan Ichsan Ifah Munifah Ike Sari, Marlindia Imam Saguh Mardiono Indra Ora Emi, Yohanes Indrasastra, Syiffa Fitria Innes Resnasari Agustianty Ira Marti Ayu Irfan Diki Wahyudi Irfandi, Ahmad irsad, cucunendro Ismi Nurhasanah Istiani, Dwi IWAN SASKIAWAN Izzah, Aflahatul Izzatu Millah Jamal Basmal, Jamal Jejen Jaenudin Jeni Puspita Sari Jeni Windiyasari Joko Sulistyo Joko Tri Winarno, Joko Tri winarno Jolianis ME S.Pd Jovita, Gabriella Alodia Kambono, Herman Karisma Putri Lestari, Leady Karmilasanti Karmilasanti, Karmilasanti Kartikasari, Ririn Kasidin, Kasidin Kasman, Rosmini Kautsar, Alfi Keumala Muda, Cut Alia Keumala, Cut Alia Khaliza, Nur Khamla NonAlinsavath Khoirunnisa, Giri Arum Kristina Sisilia Kurniawan, Tio Rizki Laily Maftuhah Latifah Wulandari Lawalata, Omri Ebo Junior Lesmana, Mochamad Al Fachry Letelay, Alfons M. 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