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All Journal Jurnal Keperawatan Indonesia Nurse Media Journal of Nursing Naturalis : Jurnal Penelitian Pengelolaan Sumberdaya Alam dan Lingkungan Jurnal Skolastik Keperawatan (e-Journal) JURNAL PENDIDIKAN KEPERAWATAN INDONESIA Universa Medicina Jurnal Penelitian Kesehatan Suara Forikes NurseLine Journal Jurnal Keperawatan Padjadjaran JNKI (Jurnal Ners dan Kebidanan Indonesia) (Indonesian Journal of Nursing and Midwifery) Syntax Literate: Jurnal Ilmiah Indonesia JURNAL CITRA KEPERAWATAN Jurnal Ilmiah Keperawatan (Scientific Journal of Nursing) Jurnal Ilmiah Ilmu Keperawatan Indonesia (Indonesian Nursing Scientific Journal) Journal of Health Science and Prevention Media Keperawatan Indonesia JURNAL PENDIDIKAN TAMBUSAI Jurnal Endurance: Kajian Ilmiah Problema Kesehatan Holistik Jurnal Kesehatan Journal of Nursing Care Jurnal Pendidikan Fisika dan Teknologi Care : Jurnal Ilmiah Ilmu Kesehatan Jurnal Ilmu dan Teknologi Kesehatan International Journal for Educational and Vocational Studies Human Care Journal Jurnal Gema Ngabdi Real in Nursing Journal Bali Medika Jurnal NURSING UPDATE JURNAL ILMIAH ILMU KEPERAWATAN Journal Of Bionursing Journal of Community Empowerment for Health JURNAL PIONIR Jurnal Ners Jurnal Persatuan Perawat Nasional Indonesia (JPPNI) Journal of Telenursing (JOTING) BIMIKI (Berkala Ilmiah Mahasiswa Ilmu Keperawatan Indonesia) At-Tarbawi : Jurnal Pendidikan, Sosial dan Kebudayaan Community Development Journal: Jurnal Pengabdian Masyarakat Indonesian Journal of Global Health research Babali Nursing Research Jurnal Inovasi Penelitian Jurnal Ilmiah JKA (Jurnal Kesehatan Aeromedika) Jurnal Kesmas Asclepius Jurnal Mitra Kesehatan Caring : Indonesian Journal of Nursing Science TAJDID: Jurnal Pemikiran Keislaman dan Kemanusiaan JOSING: Journal of Nursing and Health ETNIK : Jurnal Ekonomi dan Teknik Journal of Education Research JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Jurnal Sosial dan Abdimas Quality : Jurnal Kesehatan Jurnal Social Library Jurnal Cakrawala Ilmiah JKKI : Jurnal Kedokteran dan Kesehatan Indonesia Proceeding ISETH (International Summit on Science, Technology, and Humanity) Rechtsnormen Journal of Scientific Research, Education, and Technology Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Journal Of Health & Cardiovascular Nursing Jurnal Indonesia Sosial Sains Jurnal Keperawatan Soedirman (The Soedirman Journal of Nursing) Jurnal Keperawatan dan Kesehatan (JKK) Jurnal Keperawatan Innovative: Journal Of Social Science Research Jurnal Osadhawedyah bidang Medis dan Kesehatan Jurnal ASIK: Jurnal Administrasi, Bisnis, Ilmu Manajemen & Kependidikan Jurnal Digitalisasi Akuntansi JOURNAL OF Qualitative Health Research & Case Studies Reports Jurnal Berita Ilmu Keperawatan MEJORA Holistik Jurnal Kesehatan Jurnal Medika: Medika Jurnal Keperawatan PPNI Jawa Barat Jurnal Ilmiah Ekonomi, Manajemen dan Bisnis (EKMABIS) Malahayati International Journal of Nursing and Health Science Indonesian Journal of Forestry Research Holistik Jurnal Kesehatan Journal of Community Research & Engagement (JCRE) J-CEKI PASAI : Jurnal Pengabdian kepada Masyarakat Nursing Arts Medical Journal of Soeradji Journal Of Applied Multidisciplinary Studies (JAMS)
Tuti Herawati
Departemen Keperawatan Medikal Bedah, Fakultas Ilmu Keperawatan, Universitas Indonesia
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Home-Based Cardiac Rehabilitation Phase Ii Telemonitoring Efforts In Patients With Post-Cardiovascular Revascularization: Literature Review Muliyawati, Anisa; Herawati, Tuti
JURNAL CITRA KEPERAWATAN Vol 12 No 1 (2024): JURNAL CITRA KEPERAWATAN Edisi : June
Publisher : Poltekkes Kemenkes Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31964/jck.v12i1.343

Abstract

Program rehabilitasi jantung (CR) harus diberikan untuk mengurangi risiko kematian dan rawat inap ulang serta meningkatkan kualitas hidup pada pasien yang telah menjalani revaskularisasi jantung. Metode CR yang inovatif akan meningkatkan kepatuhan jangka panjang terhadap gaya hidup aktif yang berkelanjutan pada kebugaran fisik yang berhubungan dengan kesehatan terutama kesehatan jantung, sehingga mengurangi morbiditas dan mortalitas pasien. Media elektronik (telemonitoring) menjadi alternatif yang aman untuk memperluas jangkauan CR berbasis rumah, dengan pendampingan jarak jauh dan pengawasan tidak langsung daripada program CR. Tujuan penulisan ini untuk memberikan gagasan dari hasil literature review mengenai rehabilitasi jantung di rumah dengan menggunakan telemonitoring pada pasien post revaskularisasi jantung dan kelayakan penggunaan telemonitoring pada CR fase II. Penelusuran artikel dilakukan pada mesin pencarian google scholar dengan menyaring artikel berdasarkan kata kunci, tahun terbit artikel, judul artikel, abstrak dan isi keseluruhan artikel, menghasilan 10 jurnal yang kemudian dijadikan tinjauan literatur. Teknologi terkini mengenai home-based cardiac rehabilitation untuk pasien post revaskularisasi kardiovaskuler mulai diterapkan di berbagai negara. Teknologi seluler yang dapat digunakan untuk home-based cardiac rehabilitation fase II meliputi aplikasi kesehatan seluler, website kesehatan, dan aplikasi pesan (chat, telepon, dan panggilan video). Penerapan teknologi seluler ini dapat terapkan dalam home-based cardiac rehabilitation fase II karena efektif, efisien, murah, dan bermanfaat.
Perbuatan Melawan Hukum Pelanggaran Hak Cipta Penggandaan Fonograf Lagu Skj.88. Dihubungkan dengan Putusan Pengadilan Jakarta Pusat Nomer 35/ Perdata Sus-Hak Cipta/2021/Pn-Jakarta Pusat Putri, Suci Ananda Mulyadi; Suharna, Moh. Asep; Herawati, Tuti
Rechtsnormen Jurnal Komunikasi dan Informasi Hukum Vol. 4 No. 1 (2025): Edisi Agustus
Publisher : Ilmu Bersama Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56211/rechtsnormen.v4i1.1159

Abstract

Lagu atau musik merupakan salah satu karya cipta yang dilindungi oleh Undang-Undang Nomor 28 Tahun 2014 tentang Hak Cipta. Namun sering kali terjadi pelanggaran-pelanggaran terhadap karya Cipta lagu atau musik yang merupakan hak milik dari seorang pencipta. Tidak ada kewajiban mendaftarkan setiap ciptaan, karena hak cipta tidak diperoleh berdasarkan pendaftaran namun hak cipta dimilikik penciptanya secara otomatis ketika ide itu selesai diekspresikan dalam bentuk suatu karya atau ciptaan yang berwujud. Penelitian ini dilakukan dengan tipe penelitian yang bersifat yuridis normatif. Tipe penelitian ini yang dapat menjawab rumusan maslah yang pertama yaitu bentuk perlindungan hukum yang di berikan bagi pemegang hak cipta atau pencipta lagu atau musik atas perbuatan melawan hukum ada dua yaitu perlindungan preventif dimana pemerintah bekerjasama dengan menteri telekomunikasi dan informasi untuk memberikan pencegahan sebelum terjadi nya sengkete yaitu penutupan situs atau pemblokiran situs yang di anggap telah terjadinya perbuatan melawan hukum selama 14 hari sesuai dengan ketentuan pasal 54 sampai dengan pasal 56 Undang-Undang Nomor 28 Tahun 2014 Tentang Hak Cipta. Rumusan kedua mekanisme penyelesaian sengketa perdata terhadap pelanggaran hak cipta yaitu bagi pencipta, pemegang hak cipta atau hak terkait yang merasa dirugikan dapat mengajukan tuntutan ganti rugi di pengadilan Niaga yang sesuai dengan pasal 95 sampai dengan pasal 108 Undang-Undang Nomor 28 Tahun 2014 Tentang Hak Cipta.  
Analisis Kelengkapan Pengisian Soap Pada Rekam Medis Elektronik Rawat Jalan Di Rumah Sakit Pertamina Cirebon Herawati, Tuti
MEJORA Medical Journal Awatara Vol 2 No 3 (2024): Juli
Publisher : Awatara Publisher

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

Abstract

Completeness of the health history form is important because it provides information for further treatment or action. Progress notes can use SOAP (Subjective, Objective, Analysis and Planning. The aim of this research is to determine the analysis of the completeness of SOAP filling in outpatient EMR at Pertamina Cirebon Hospital. This type of research uses descriptive methods with a quantitative approach. In this research, the data tool used is using a checklist sheet. The data collection method uses observation. The sample used for random sampling was 99 SOAP Electronic Medical Records. Based on observations of the completeness of filling out the SOAP at the Pertamina Cirebon Hospital, filling in the EMR SOAP is in the incomplete category and is still not in accordance with the Hospital's SPM which states that the completeness of filling in electronic medical records must be 100%. Results: 37 outpatient electronic medical record SOAPs with a percentage (37.4%) in the complete category and 62 outpatient EMR SOAPs with a percentage (62.6%) incomplete. It is hoped that the hospital will provide outreach to PPA about the importance of completing electronic medical records and developing an EMR application that has a 100% accuracy level in filling in completeness
Pengaruh Tax Avoidance dan Komite Audit Terhadap Kualitas Audit Pada Perusahaan Sub Sektor Real Estate dan Properti di Bursa Efek Indonesia (BEI) Tahun 2021 – 2024 Mulyani, Novel; Herawati, Tuti
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 6: Oktober 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i6.11013

Abstract

This study aims to analyze the effect of tax avoidance and audit committees on audit quality in real estate and property companies listed on the Indonesia Stock Exchange (IDX) for the period 2021–2024. Tax avoidance is measured by the Effective Tax Rate (ETR), gender diversity based on the proportion of female members, and audit quality is proxied by audit tenure (auditor rotation). Return on Assets (ROA) and company size are used as control variables. The method employed is a quantitative approach using panel data regression analysis with the Random Effect Model (REM). The sample was determined through purposive sampling, comprising 276 observations from 69 companies. The results indicate that tax avoidance has a positive and marginal effect, which is marginally significant on audit quality, while the audit committee has a negative and significant effect on audit quality. Return on Assets (ROA) and company size do not show a significant effect. This study confirms tax strategies and gender diversity as important factors in audit quality. The limitations of this study lie in its scope. Further research is recommended to expand the approach and sectors analyzed.
Pendekatan Model Adaptasi Roy dalam Pengkajian dan Diagnosis Keperawatan pada CAD-3VD pro CABG: Studi Kasus Nugroho, Rico Maulana; Herawati, Tuti; Adam, Muhammad; Irianti, Ana Dwi
MJS Medical Journal of Soeradji Vol 1 No 2 (2024): MJS (Desember)
Publisher : RSUP dr.Soeradji Tirtonegoro Klaten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70605/r78crb50

Abstract

Latar Belakang: Penyakit jantung dan pembuluh darah menyebabkan kematian paling tinggi di seluruh dunia. Penyakit jantung koroner seringkali secara cepat merenggut nyawa. Berbagai tatalaksana mulai dari terapi obat hingga bedah pintas koroner dapat dilakukan. Bedah pintas koroner seringkali menjadi opsi final ketika intervensi koroner perkutan belum berhasil merevaskularisasi infark miokard. Banyak hal yang harus pasien dan keluarga pertimbangkan dalam informed consent tindakan ini. Pengkajian keperawatan komprehensif mencakup fungsi fisiologis, konsep diri, peran, dan interdependensi melalui pendekatan Model Adaptasi Roy (MAR) sangat dibutuhkan untuk mendapatkan data pasien secara lengkap dan menegakan diagnosis keperawatan yang tepat. Deskripsi Kasus :  Pasien Tn. A, laki-laki, 66 tahun dengan datang dengan keluhan nyeri dada dan sesak napas. Selanjutnya pasien dilakukan kateterisasi koroner dan didapatkan Coronary Artery Disease with 3 Vessels Disease post failed Percutaneous Coronary Intervention in Left Anterior Descending with Chronic Total Occlusion (CAD-3VD Failed PCI LAD CTO) dan direncanakan tindakan lanjut operasi bedah pintas koroner (CABG). Kesimpulan: Hasil pengkajian menunjukkan data fungsi fisiologis dan ketiga fungsi psikososial pasien beserta stimulus fokal, kontekstual, dan residual, sehingga didapatkan 17 diagnosis keperawatan. Pengkajian keperawatan dengan pendekatan MAR membantu perawat dalam menegakkan diagnosis berpusat pada pasien dan keluarga. Di masa mendatang pengembangan digitalisasi pengkajian MAR dengan peningkatan kecerdasan buatan dapat memfasilitasi perawatan pasien secara utuh.
The Effectiveness of Hand Exercise on Limb Function in Patient Coronary Artery Disease Posttransradial Artery Catheterization: Systematic Review Herdiana, Dian; Herawati, Tuti; Yona, Sri
Indonesian Journal of Global Health Research Vol 6 No 1 (2024): Indonesian Journal of Global Health Research
Publisher : GLOBAL HEALTH SCIENCE GROUP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37287/ijghr.v6i1.2797

Abstract

Coronary Artery Disease (CAD) is leading cause of mortality worldwide. Catheterization using the transradial arterial (TRA) technique has been able to reduce morbidity and mortality rates from CAD, but this procedure also contributes to the occurrence of complications. The aim of this study was to search literature and analyse articles discussing the use of hand exercise on improving limb function in patients posttransradial cardiac catheterization. Methods: The design used was a systematic review with PRISMA adaptation. Articles were searched using databases: ScienceDirect, ProQuest, PubMed, Scopus and Hand Searching in Google Scholar. The keywords of article search were using “Coronary artery disease” AND “transradial artery catheterization” OR “Trans cardiac Catheterization” AND “hand exercise” AND “limb function. In the initial stage of information search on 5 October 2023, the total number of articles obtained before selection was carried out based on inclusion and exclusion criteria was 7273 articles. From the five databases used, selection was then carried out according to the inclusion and exclusion criteria. The inclusion criteria were research articles published in the last 10 years (2013-2023); use English; a journal article and open access; Involves adult respondents and full text articles. Exclusion criteria were encyclopedia articles, book chapters, conferences, correspondence, editorials, news, practice guidelines, protocols, systematic reviews, literature reviews and meta analysis. The results are discussing 7 articles published from 2013-2023. Conclusions Hand exercises are useful for restoring limb function within two hours after the procedure and over a long period of time.
The Effectiveness of Telenursing to Improve the Quality of Life of Coronary Artery Disease Patients: Systematic Review Holifah, Ketut; Herawati, Tuti
Indonesian Journal of Global Health Research Vol 6 No 3 (2024): Indonesian Journal of Global Health Research
Publisher : GLOBAL HEALTH SCIENCE GROUP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37287/ijghr.v6i3.3155

Abstract

The quality of life in coronary artery disease (CAD) patients generally decreases. Nurses need to carry out comprehensive nursing interv The quality of life in coronary artery disease (CAD) patients generally decreases. Nurses need to carry out comprehensive nursing interventions even though the client has been discharged from the hospital or at home. Telenursing is one of the nurse efforts to provide nursing care remotely, especially education and monitoring of CAD patients. This literature study aims to see the effectiveness of implementing telenursing on the condition of CAD patients which has implications for the patient's quality of life. The database was collected from open source online journals including Pubmed, Science Direct, Proquest, Clinical Key Nursing, and Willey Online Library. Articles were searched using the keywords telenursing, telemonitoring, teleeducation, quality of life, and coronary artery disease. The articles used were articles from the last 5 years from 2019 to 2024 with an initial number of 241 and 9 articles analyzed. Forms of telenursing in this literature study include application-based telenursing, telephone reminders, telephone follow-up and via messages. All research studies in the study show that telenursing has a significant impact on the quality of life of CAD patients. All types of telenursing have an impact on the patient's quality of life. Nurses with support from the government are expected to be able to implement comprehensive and integrated telenursing with cardiac rehabilitation programs to improve the quality of life for CAD patients. entions even though the client has been discharged from the hospital or at home. Telenursing is one of the nurses efforts to provide nursing care remotely, especially education and monitoring of CAD patients. This literature study aims to describe the effect of telenursing on quality of life in CAD patients. The database was collected from open source online journals including Pubmed , Science Direct, Proquest, Clinical Key Nursing, and Willey Online Library. Articles were searched using the keywords telenursing, telemonitoring, teleeducation, quality of life, and coronary artery disease. Forms of telenursing in this literature study include application-based telenursing, telephone reminders, telephone follow-up and via messages. All research studies in the study show that telenursing has a significant impact on the quality of life of CAD patients. All types of telenursing have an impact on the patient's quality of life. Nurses with support from the government are expected to be able to implement comprehensive and integrated telenursing with cardiac rehabilitation programs to improve the quality of life for CAD patients. Kualitas hidup pada pasien coronary artery disease (CAD) umumnya mengalami penurunan. Perawat perlu melakukan intervensi keperawatan yang komperehensif meskipun klien sudah keluar rumah sakit atau dirumah. Telenursing merupakan salah satu upaya perawat untuk memberikan asuhan keperawatan dengan jarak jauh, khususnya edukasi dan monitoring pada pasien CAD. Studi literature ini bertujuan untuk menggambarkan pengaruh telenursing terhadap kualitas hidup pada pasien CAD. Database dikumpulkan dari jurnal online open source meliputi Pubmed, Science Direct, Proquest, Clinical Key Nursing, dan Willey Online Library. Artikel dicari menggunakan kata kunci telenursing, telemonitoring, teleeducation, quality of life, dan coronary artery disease. Bentuk telenursing dalam studi literature ini antara lain telenursing berbasis aplikasi, telephone reminder, follow up telephone dan melalui pesan. Semua studi penelitian dalam studi menunjukkan bahwa telenursing memiliki pengaruh yang signifikan terhadap kualitas hidup pasien CAD. Semua jenis telenursing yang memiliki pengaruh terhadap kualitas hidup pasien. Perawat dengan dukungan dari pemerintah diharapkan dapat menerapkan telenursing yang komperehensif dan terintegrasi dengan program rehabilitasi jantung untuk meningkatan kualitas hidup pada pasien CAD
The Effectiveness of Forward Leaning Position and Pursed Lip Breathing on Dyspnea in Patients with Lung Disease Astuti, Widia; Sitorus, Ratna; Herawati, Tuti; Aryani, Denissa Faradita; Pratiwi, Tiara Zakiyah; Maemun, Siti
Indonesian Journal of Global Health Research Vol 6 No S4 (2024): Indonesian Journal of Global Health Research
Publisher : GLOBAL HEALTH SCIENCE GROUP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37287/ijghr.v6iS4.4148

Abstract

Dyspnoea is the most common and distressing symptom of lung disease, and it causes uncomfortable feelings. Dyspnoea occurs in patients with lung diseases such as lung cancer, COPD, asthma and tuberculosis. Positioning that can reduce shortness of breath in COPD patients is the tripod position and breathing exercises, namely lip breathing exercises, which can affect oxygen saturation. The aim of study is to determine the effectiveness of the application of forward leaning position and pursed lip breathing on dypsnea in patients with lung disease. Pursed lips breathing exercises and a tripod position significantly improved symptoms of shortness of breath and strengthened respiratory muscles. To determine the effectiveness of applying the forward leaning position and pursed lip breathing for dyspnea in patients with lung disease. This research is quantitative with a quasi-experimental design with a pretest-posttest design approach without a control group design. The inclusion criteria for adult patients ≥ 18 years, patients with lung disease: COPD, Asthma, Tuberculosis and Lung Cancer and moderate to severe dyspnea at rest as measured by the Modified Borg Dyspnea Scale (MBDS ≥3). The number of samples was 30 people. The results of the analysis using the Wilcoxon Test and the results obtained were that providing a forward leaning position (FLP) and Pursed Lips Breathing (PLB) breathing exercises in patients with lung disease could significantly reduce the degree of dyspnea. The application of a combination of forward-leaning positions and pursed lips breathing exercises can have an effect on reducing the degree of dyspnea in patients.
Pengenalan Digital Marketing Bagi Pelaku Usaha UMKM Kelurahan Kebonbaru Kecamatan Kejaksan Yusuff, Andinna Ananda; Fardhoni, Fardhoni; Permana, Indra Surya; Herawati, Tuti; Nuraeni, Iin Indra
Jurnal Sosial & Abdimas Vol. 5 No. 2 (2023): Jurnal Sosial & Abdimas
Publisher : LPPM Universitas Adhirajasa Reswara Sanjaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51977/jsa.v5i2.1356

Abstract

Perubahan perilaku pemasaran dari konvensional ke digital tidak diimbangi oleh keberadaan pelaku UMKM dalam menggunakan digital marketing, padahal UMKM dipercaya mampu memacu perekonomian Indonesia. Pemanfaatan konsep pemasaran berbasis teknologi digital menjadi harapan bagi UMKM untuk berkembang menjadi pusat kekuatan ekonomi. Media promosi digital marketing diharapkan menjadi pilihan yang efektif bagi pelaku UMKM dalam mengembangkan bisnis dan menjangkau pasar nasional maupun internasional. Media promosi konvensional yang banyak membutuhkan biaya dan jauh lebih rumit, dengan sendirinya, tidak lagi menjadi perhatian utama bagi pelaku UMKM karena adanya digital marketing. Kegiatan ini bertujuan untuk: (1) mengintegrasikan penggunaan media sosial dalam strategi pemasaran UMKM, (2) meningkatkan pemahaman mengenai signifikansi pemasaran digital untuk peningkatan visibilitas produk, dan (3) mendorong inovasi dalam strategi pemasaran guna mencapai segmentasi pasar yang lebih luas. Setelah sesi teori dan praktik dilaksanakan peserta dapat mengetahui platform digital pengembangan bisnis dan membuat serta mengelola akun media sosial untuk keperluan bisnis. Peserta pelatihan membutuhkan adanya kontinuitas dalam pendampingan, setelah kegiatan ini.
Analisis Kredit Bermasalah pada Koperasi Simpan Pinjam Bina Warga Saluyu Bandung Rojab, Dina; Herawati, Tuti
Jurnal Pendidikan Tambusai Vol. 7 No. 2 (2023): Agustus 2023
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v7i2.7280

Abstract

Tujuan penelitian ini adalah untuk mengetahui kredit bermasalah pada KSP Bina Warga Saluyu. Metode penelitian yang digunakan adalah metode deskriptif kualitatif. Teknik pengumpulan data menggunakan wawancara dan observasi. Hasil penelitian ini mengetahui cara penanganan kredit bermasalah dengan cara reschedulling, surat teguran dan memberikan SP 1 dalam tiga bulan, dan faktor-faktor yang menyebabkan kredit bermasalah dibagi menjadi dua faktor yaitu faktor internal dan faktor eksternal, dimana faktor internal anggota yang tidak jujur dan jaminan dalam meminjam hanya menggunakan surat berharga seperti sertifikat atau BPKB, dan fotocopy anggota koperasi, sedangkan dari faktor eksternal adalah banyaknya anggota yang meminjam diluar KSP Bina Warga Saluyu.
Co-Authors Abas, Farhat Achmad Masfi Adam Adam Adam Adam Adam, Muhamad Adelia Pradita Adhyaksa, Gustiara Diaz Adiguna, Patria Aep Saefullah Agung Waluyo Agus Sudaryanto AGUS SUSATYA Amelia Amelia Amelia Amelia Andinna Ananda Yusuff Angga Nugraha Anggri Noorana Zahra Anisa Muliyawati Anita Purba Antarika, Gde Yasa Apriyani, Santi AR, Rasmawati Arcellia Farosyah Putri Arifiati, Mulida Aris Purnomo Armalia, Nurul Artati, Artati Aryani, Denissa Faradita ASEP SUPARMAN Ayus, Shakila Bambang Budi Siswanto Barchia, M. Faiz Bawa, Ngakan Nyoman Rai Bekti Rahayu Beti Ningrum Bieng Brata Budiono, Anshori Cindy Amelia, Cindy Cinta Rahmi Damres Uker Daryani, D Denissa Faradita Aryani Devi Susanti Devi Susanti Dewa Ayu Ari Rama Dewi Dewi Gayatri DEWI SARTIKA Dian Herdiana Didi S. Agustawijaya Dikha Ayu Kurnia Dinny Atin Amanah Amanah Dyaningtyas, Hermin Esti Edian Fitriana Edison Sunarya, Chiyar Effita Piscesiana Elly Nurachmah Elya Sespa Fahmi, Ismail Faisah A.S, Nurul Fajardini, Zahra Fardhoni, Fardhoni Fathurrahman Fathurrahman Fisy Amalia Fitria Fitria Gagarin Siregar, Fuad Gustiyanti, Ferra Hadi, Yuliani Hakim, Melati Puspa Hakim, Melati Puspita Handayani, Diah Syahfitri Hanina, Hanina Hardini, Annisa Haryati Haryati Heksa Prihartini Heni Subagiharti Heni, Heni Subagiharti Herdiana, Dian Herdiana, Dian Herdiana Hoesain, Ismail Holifah, Ketut I Made Kariasa Idris, Fahmi Ihsan, Fikri Indra Gilang Pamungkas Indra Surya Permana Irianti, Ana Dwi Irkhos Irkhos Isnaeni Nur Khayati Isnaeni, Wilya Jeanny Rantung Joned C. Saksana Juita, Juita Juliana G.E.P Massie Kapriana Tanty Natalia Khairunisa, Prima Khalda, Syifa Aushaf Khatimi, Ahmad Krisanti, Imelda Krisna Yetti Krisna Yetti Kurnia, Pasti Kusumastuti, Kartikaningtyas Latupeirissa, Loura Weryco Lestari Sukmarini Lestari, Fefy Hartati Liniyarti Liniyarti liniyarti, Liniyarti Liswanti, Nining Liya Arista Lizalidiawati Lizalidiawati Maemun, Siti Manurung, Tarida Ilham Maria, Riri Marthafanny, Conny Maryani, Neni Masfuri - Melani, Silvia Indah Minggawati, Zustantria Agustin Mira Mira Mirharina, Irza Moh. Alhadi Haq Monika, Fina Muchtarudin, Aceng Muhajirah, Muhajirah Muhamad Adam Muhamad Adam Muhammad Adam Muhammad Adam, Muhammad Muhammad Putra Ramadhan Muhtarudin Muhtarudin Muliantino, Mulyanti Roberto Mulida Arifiati Mulida Arifiati Muliyawati, Anisa Mulyani, Novel Mwangi, Esther Nadeak, Sari Eprina Nasaruddin Nasaruddin Natawijaya, Candra Neila Aisha Nia Khusniyati Nihayah, Yayah Nikmatul Hikmah, Sokhib Nurisnaini Ningrum, Beti Nofriandi, Nofriandi Noor, Muhammad Arief Nova Maulana Nova Tri Handriyanto Nova, Prima Agustia Novita, Sella Nugroho, Rico Maulana Nur Kholim Nuraeni, Iin Indra Nurcahyani, Sri Nurhidayat, M Nurinto, Heru Nurul Aini Jamal Oktaviani, Riri Okti Sri Purwanti Osty Histry Kapahang Pasti Kurnia Pramita, Senja Pratiwi, Tiara Zakiyah Prima Agustia Nova purba, oktaviana nirmala Puti Rahmitha Sany Putri, Suci Ananda Mulyadi Rahmadiya, Siska Rambu Inanda Dwihasti Rasmiati Rasmiati Rasmiati, Rasmiati Ratna Esmayanti Ratna Sitorus Ratna Sitorus Ratna Sitorus Riki Satya Nugraha Riri Maria Risyda Zakiyah Hanim Rohmah, Assyfa Siti Rohmawan, Mohamad Fadilah Rojab, Dina Romdani, Romdani Rosiana Waicang Rudiana Rudiana, Rudiana Rumayara, Abraham Bernadus S, Ujang Charda Saefullah, A Safitri, Ananda Dwi Sahrudi Sahrudi Saksana, Joned C Sarfilianty Anggiani, Sarfilianty Sari Eprina Nadeak Sari, Chaera Maya Sari, Lusi Nolita Sibulo, Megawati Sitohang, Ronny Marthin Sofa, Ibnu Sri Yona Sri Yoona Sudarti, Nila Sugesti, Pradita Suharna, Moh. Asep Sukardi Sukardi Sungkono Sungkono Sungkono Sungkono Sungkono Supriyadi Supriyadi Susanti, Dyeri Susmita, Devi Facharaini Sutariyono, Sutariyono Syafran Nurrahman Syahfitri Handayani, Diah Syahriani, Nurul Syaputra, Riawan Syarif Hidayatullah Tatu Meri Tohiroh, Tohiroh Tri Sulistyowati Triawan, Ilham Tutut Riana Hapsari Ujang Kusnaedi Umi Kalsum Utami, Risa Yulianie Wahyuni Wulandari Warahma, Ella Wayan Wardiyana Wella Meitri Wida Sri Kurniyanti Widia Astuti Wilson Simangunsong Yahya, Ifyar Adhita Yulia Yulia Yunisman Roni Yuniyas Ihsanidar Zaharuddin Zaharuddin, Zaharuddin