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All Journal Jurnal Pembangunan Pendidikan: Fondasi dan Aplikasi Jurnal Edukasi Universitas Jember Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal JURNAL PENDIDIKAN EKONOMI: Jurnal Ilmiah Ilmu Pendidikan, Ilmu Ekonomi dan Ilmu Sosial FKIP e-PROCEEDING Jurnal Penelitian Pendidikan IPA (JPPIPA) SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN JURNAL PENDIDIKAN TAMBUSAI Almana : Jurnal Manajemen dan Bisnis JAE (Jurnal Akuntansi dan Ekonomi) Jurnal Edukasi (Ekonomi, Pendidikan dan Akuntansi) JPKMI (Jurnal Pengabdian Kepada Masyarakat Indonesia) Jurnal Pengabdian Masyarakat Khatulistiwa The World of Financial Administration Journal Batara Wisnu : Indonesian Journal of Community Services Jurnal Akuntansi AKUNESA Pancaran Pendidikan Global Jurnal Pengabdian Masyarakat dan Riset Pendidikan Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan International Journal of Islamic Business and Economics (IJIBEC) Jurnal Kolaborasi Pengabdian Masyarakat Fakultas Ilmu Administrasi
Titin Kartini
Program Studi Pendidikan Ekonomi, Fakultas Keguruan Dan Ilmu Pendidikan, Universitas Jember
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Prosedur Pemberian Kredit Pemilikan Rumah (KPR) Fasilitas Likuiditas Pembiayaan Perumahan (FLPP) Pada PT Bank Pembangunan Daerah Jawa Barat Dan Banten (BJB) Tbk. Kantor Cabang Subang Rahmania, Diviana; Kartini, Titin; Suhardi , Deddy
The World of Financial Administration Journal Volume 7 Issue 1, Juni 2025
Publisher : Fakultas Ilmu Administrasi Universitas Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/wfaj.v7i1.2374

Abstract

Abstrak Tempat tinggal merupakan suatu kebutuhan primer, kebutuhan masyarakat mengenai sandang, pangan dan papan makin meningkat dan kebutuhan masyarakat yang meningkat mengakibatkan kredit perbankan juga ikut meningkat. Untuk memenuhi kebutuhan masyarakat dalam bidang papan PT. Bank Pembangunan Daerah Jawa Barat dan Banten (BJB) Kantor Cabang Subang  menawarkan salah satu produknya dalam pembiayaan rumah. Dalam pemilikan rumah dapat dilakukan dengan cara membayar angsuran atau dalam bahasa perbankannya adalah kredit. Penelitian ini bertujuan untuk mengetahui prosedur pemberian Kredit Kredit Pemilikan Rumah (KPR) Fasilitas Likuiditas Pembiayaan Perumahan (FLPP) pada PT Bank Pembangunan Daerah Jawa Barat dan Banten (BJB) Kantor Cabang Subang. Metode yang digunakan oleh penulis yaitu deskriptif kualitatif dengan teknik pengumpulan data melalui observasi, wawancara langsung dengan pegawai Bank BJB Kantor Cabang Subang, dan studi pustaka. Hasil penelitian menunjukkan bahwa prosedur administrasi pemberian Kredit Kredit Pemilikan Rumah (KPR) Fasilitas Likuiditas Pembiayaan Perumahan (FLPP) pada Bank BJB Kantor Cabang Subang dilakukan melalui beberapa tahapan meliputi: pemberkasan, wawancara, analisa, data entry, akad, realisasi hingga pengarsipan dokumen kredit. Hambatan yang terjadi meliputi terbatasnya pegawai bank yang mengelola administrasi kredit, kurangnya pengetahuan debitur dalam proses pengajuan kredit ,kredit macet, pemalsuan berkas. Untuk mengatasi hambatan tersebut Bank BJB telah mempersiapkan beberapa solusi diantaranya merekrut anak magang untuk membantu pelaksanaan administrasi kredit, melakukan sosialisasi, serta melakukan verifikasi terhadap semua berkas yang diberikan nasabah. Berdasarkan penelitian yang sudah penulis sampaikan dapat disimpulkan bahwa pelaksanaan prosedur pemberian Kredit Kredit Pemilikan Rumah (KPR) Fasilitas Likuiditas Pembiayaan Perumahan (FLPP) telah sesuai dengan standar pengajuan kredit pada Bank BJB Kantor Cabang Subang telah sesuai dengan standar pemberian kredit yang berlaku. Kata Kunci: Prosedur, Kredit Pemilikan Rumah (KPR) Fasilitas Likuiditas Pembiayaan Perumahan (FLPP), KPR Subsidi.   Abstract Housing is a primary need, the needs of society for clothing, food and shalter are increasing need of society resuly in bank credit also increasing. To meet the needs of society in the  field of housing, PT Bank Pembangunan Daerah Jawa Barat dan Banten (BJB) Subang Branch Office offers one of its products in home financing. In home ownership can be done by paying installments or in banking language is credit. The study aims to determine the procedures for granting Home Ownership Credit (KPR) Housing Financing Liquidity Facility (FLPP) at PT Bank Pembangunan Daerah Jawa Barat and Banten (BJB) Subang Branch. The method use by the author descriptive qualitative with data collection techniques through observation, direct interviews with Bank BJB Subang Branch Office employees, and literature study. The results of the study indicate that the administrative procedures for granting Home Ownership Loans (KPR) Housing Financing Liquidity Facility (FLPP) at Bank BJB Subang Branch Office were carried out through several stages including: filing, interviews, analysis, data entry, contracts, realization to archiving credit documents. The obstacles include limited bank employees who manage credit administration, the debtor's lack of knowledge in the credit application process, bad credit, file forgery. To overcome these obstacles, Bank BJB has prepared several solutions including recruiting interns to assist in credit administration, conducting socialization, and verifying all files provided by customers. Based on the research that the author has conveyed, it can be concluded that the implementation of the procedure for granting Home Ownership Loans (KPR) Housing Financing Liquidity Facility (FLPP) is in accordance with the standard of credit application at Bank BJB Subang Branch Office Keywords: Procedure, Home Ownership Credit (KPR), Housing Payment Liquidity Facility (FLPP),Subsidized Credit.
PENERAPAN ROCKET STOVE SEBAGAI SOLUSI RAMAH LINGKUNGAN DALAM PEMBAKARAN SAMPAH DI DESA MEKARWANGI Ramadhan , Devan; Tirtoaji, Mahes Okta; Ferdinansyah, Rafly; Firdaus, Surya; Adi Candra, Ray Abdul Somad; Fadilah, Dilla Nurul; Sunendang, Novi Fitriani; Jamila, Maryam; Sari, Webi Dwi; Kartini, Titin
Batara Wisnu : Indonesian Journal of Community Services Vol. 5 No. 2 (2025): Batara Wisnu | Mei - Agustus 2025
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/bw.v5i2.434

Abstract

In Mekarwangi Village, Pagaden Barat Subdistrict, Subang Regency, the University of Subang's Student Community Service Program (KKNM) focuses on the use of rocket stove technology for waste management. The high volume of household waste and traditional burning methods that produce excessive smoke, which negatively impact the environment, are the main challenges faced by the community. The use of rocket stoves as appropriate technology can reduce smoke production, improve combustion efficiency, and be more environmentally friendly. The program utilizes socialization, demonstrations, and community involvement in the use of rocket stoves. Thus, rocket stoves have proven to be an effective alternative for waste burning while also serving as a tool for community empowerment to create a cleaner and healthier village environment. The results of the activities also show that the community has a better understanding of how to manage waste in a healthy and environmentally friendly manner and is more active in applying this technology.
Peningkatan Kesadaran Lingkungan Masyarakat Desa Cidadap Kabupaten Subang Melalui Pembuatan Biopori: Pengabdian Sulaiman Miftahul Ghina; Gilang Hari Mukti; Jennie Anatasha Wijaya; Alisa Amalia; Jilli Zildjian Richadt; M. Rio Syahputra; Susilawati; Evi Alia Elfarina; Muhammad Rizky Fauzi; Titin Kartini
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 1 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 1 (Juli 2025 -
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i1.2819

Abstract

This community service program aims to increase environmental awareness in the Cidadap Village community through the creation of biopores. This activity is part of the KKNM program, which includes education, health, and sustainable environmental management. Through outreach and education by students, the community is educated about the importance of biopores in maintaining soil quality and preventing flooding. This activity is also related to the stunting prevention program and addresses other social issues such as bullying in local schools. The participatory method used directly involves the community, increasing their involvement and awareness of environmental issues. The results show an increase in community knowledge about environmental management and the positive impact of biopores on soil health. It is hoped that this activity can become a model for other villages to increase environmental awareness and sustainable natural resource management.
The Implementation of Green Accounting in Fish Canning Factories in Pengambengan Village, Jembrana Regency Sephia, Pipin; Kartini, Titin; Tiara, Tiara
Jurnal Akuntansi Vol 14 No 1 (2025): AKUNESA (September 2025) - In Progress
Publisher : Accounting Study Programme Faculty of Economics and Business Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/akunesa.v14n1.p1-10

Abstract

This study explains the implementation of green accounting in Pengambengan Village, Jembrana Regency. This research is included in the type of descriptive research with a qualitative approach. The data collection techniques used include observation, interviews, and documents. The research subjects were determined based on the purposive sampling method and data analysis using Miles and Huberman. The results of the study showed that the classification of environmental costs carried out by the fish canning factory in Pengambengan Village, Jembrana Regency consisted of prevention costs, detection costs and internal failure costs. There is no external failure cost because the waste generated from the factory production process is not disposed of into the surrounding environment such as the beach but is processed by the company itself. The stages of environmental cost allocation consist of identification, recognition, measurement, presentation and disclosure.
DETERMINANTS OF FINANCIAL TECHNOLOGY (FINTECH) ADOPTION BEHAVIOR IN PERSONAL FINANCIAL MANAGEMENT AMONG ECONOMICS EDUCATION STUDENTS IN EAST JAVA Kartini, Titin; Sugeng, Bambang; Wahyono, Hari; Wardoyo, Cipto
JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN Vol. 13 No. 1 (2025)
Publisher : UNIVERSITAS NEGERI SURABAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jepk.v13n1.p21-58

Abstract

Rapid advancements in technology related to the fourth industrial revolution have transformed the way financial transactions are conducted, shifting from conventional cash methods to digital finance, also known as fintech. Despite this shift, the adoption of fintech is inconsistent, especially among students, who are an important group for promoting financial inclusion and literacy. This study aims to fill the existing gap by investigating the specific elements that influence fintech adoption among Economics Education students in Java, using the Theory of Planned Behavior (TPB) as a framework. An explanatory quantitative investigation involving 350 students from three accredited universities shows that attitudes, social factors, and digital financial literacy play an important role in shaping students' intentions to use fintech. Importantly, digital financial literacy stands out as a crucial element, both directly and indirectly encouraging responsible financial practices and the adoption of fintech. The originality of this research lies in its examination of the relationship between education and the use of fintech, emphasizing the importance of digital financial literacy in influencing students' financial actions in an increasingly digital economy.
Korelasi Shared Leadership dan Perilaku Inovatif Serta Kontribusinya Untuk Peningkatan Kinerja Karyawan Bank: Correlation of Shared Leadership And Innovative Behavior and Its Contribution To Improving Bank Employee Performance Sondari Gadzali, Silvy; Kartini, Titin
Jurnal Aplikasi Bisnis dan Manajemen Vol. 9 No. 3 (2023): JABM Vol. 9 No. 3, September 2023
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.9.3.954

Abstract

Several previous studies have argued that the concept of shared leadership is directly related to the leadership style adopted in an organisation, which is a cohesive style and strategy for teamwork that leads to good business performance in many industries. This research examines the relationship between different leadership styles and innovative work behaviour (IWB) which will ultimately lead to improved performance of bank employees. This quantitative research, which in its analysis employs multiple linear regression formula. Thus, this study examines the operational framework of different leadership styles and the influence of IWB on employee work. This study found that leadership styles, transformational leadership, individual empowerment leadership (IEL), team empowerment leadership, and participative leadership (PL) are strategically applied for the improvement of employee cooperation, but IEL and PL are more strategic and performance-enhancing on employees' Innovative work behaviour (IWB). The conclusions of the research show that the shared leadership style has the potential to build PL and IEL in an effort to improve and explain in more detail the theory of leadership styles in teams in organizations. Keywords: shared leadership, individual empowerment leadership, team empowerment leadership, participative leadership, innovative work behaviour
The Effectiveness of Chain Pumpkin on Improving Breast Milk Production and Increasing Baby's Weight Umairo, Gusrida; Kartini, Titin; Hastuti, Yessi; Rohmah, Siti; Jamilah, Siti Nurlaela
Jurnal Penelitian Pendidikan IPA Vol 10 No 9 (2024): September
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jppipa.v10i9.8877

Abstract

A Breast milk is the best nutrition for babies because it is easy to digest and contains the nutrients needed for growth and immunity. This research aims to determine the effectiveness of chayote in smoothing breast milk production and increasing baby weight. This research uses a two group pretest-posttest design method without a control group, with measurements taken before and after treatment. The independent variable is the method of consuming chayote, while the dependent variable is the smooth production of breast milk and the increase in baby weight. This research produced information that the P-Value value obtained for increasing the smoothness of breast milk production (0.000 for boiled chayote and 0.001 for fried chayote) showed a significant difference. The P-Value value obtained for increasing baby weight (0.000 for boiled chayote and 0.003 for fried chayote) shows a significant difference. Based on these data findings, breastfeeding mothers are expected to consume chayote, both boiled and fried, as part of their diet to support smooth breast milk production and baby growth.
Development of AI-based interactive digital modules to enhance innovation in economics learning Herlindawati, Dwi; Sholekhah, Irmadatus; Kantun, Sri; Kartini, Titin; Tiara, Tiara
Jurnal Pembangunan Pendidikan: Fondasi dan Aplikasi Vol. 13 No. 1 (2025): June
Publisher : Graduate School, Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jppfa.v13i1.67329

Abstract

Rapid technological advancements in the digital era require teachers to continuously innovate in selecting effective learning media. Artificial intelligence (AI) offers new opportunities to enhance instructional quality through more adaptive, interactive, and personalized digital learning resources. This study aims to develop and evaluate an AI-based interactive digital module for senior high school economics instruction. Employing a research and development (R&D) approach with the ADDIE model — Analysis, Design, Development, Implementation, and Evaluation — the study conducted expert validations and large-scale trials involving five economics teachers and 158 Grade XI students across five public senior high schools in Jember Regency. The module was assessed using five core criteria of e-module quality. Results show that the module achieved excellent ratings across all categories: self-instruction (96.36%), self-contained (96%), stand-alone (94.10%), adaptive (99.66%), and user-friendly (97.36%), with an overall average score of 96.70%. These findings indicate that the AI-based interactive module is highly feasible and effective for supporting economics learning, addressing the limitations of conventional instructional materials, and aligning with the demands of digital learning in the Industrial Revolution 4.0 era. The study concludes that the developed module can serve as a valuable instructional innovation for economics teachers, enhancing both learning engagement and the quality of technology-integrated education.
Co-Authors Adi Candra, Ray Abdul Somad Aisa Nur Fitri Ali Ahmad Farhan Alisa Amalia Andi Wirawan Setiady Anton Yugiswara Arif Fatahillah Arika Indah Kristiana Arum Setyowati Arvianti, Milfalia Asni Maulina, Lingga Bambang Sugeng Bambang Suyadi Bayu Sasmita Aji Caca Arif Herdian Cipto Wardoyo Defi Rianto Dessy Nur Ilhamidya Dewi Khoiriyawati Firdaus Diah Widyastuti Dimas Sasongko Bhakti Diska Pramita Djoko Widodo Dwi Herlindawati Elena, Vivi Evi Alia Elfarina Fadilah, Dilla Nurul Faizzatul Immah Farida Florensia Ferdinansyah, Rafly Firdaus, Surya Gilang Hari Mukti Halimatus Sadiyah Hari Wahyono Hastuti, Yessi Jamila, Maryam Jamilah, Siti Nurlaela Jennie Anatasha Wijaya Jilli Zildjian Richadt Joko Widodo Laila Said Nadiah Lailatul Fajriyah Linda Fajarwati Lusia Septina Endita M. Ainul Fadlol M. Rio Syahputra M. saiful Rizal Muhammad Rizky Fauzi Muhammad, Aziz Musyarofah Musyarofah Muthmainnah Muthmainnah Nilam Mazidah Ninda Riza Niswatul Imsiyah Nurul Maidah Permasih, Desi Pudjo Suharso Rahmania, Diviana Ramadhan , Devan Ridho Alfarisi Ridho Alfarisi, Ridho Rinda Sukma Ningrum Rita Widiasih rosyidah rosyidah S Sukidin Sari, Webi Dwi Sephia, Pipin Shelvy Putri Astuti Sholehah, Riska Maratus Sholekhah, Irmadatus Silvi Aulia Siti Halimatus Sa'dia Siti Rohmah Sondari Gadzali, Silvy Soraya, Wardina Sri Kantun Sri Wahyuni Sugina, Egie Suhardi , Deddy Sulaiman Miftahul Ghina Sunendang, Novi Fitriani Suprianti, Uun Susanto Susanto Susilawati Sutrisno Djaja Tiara Tiara Tiara, Tiara Tirtoaji, Mahes Okta Ubaidurrahman, Alwan Umairo, Gusrida Wantini Wantini Westin Mahesti Yuntina, Lily