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DAMPAK KRISIS EKONOMI DAN MASUKNYA BANK UMUM PADA PASAR KREDIT USAHA MIKRO KECIL TERHADAP KINERJA BANK PERKREDITAN RAKYAT (BPR) DIY Murti Lestari
KINERJA Vol. 18 No. 1 (2014): Kinerja
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v18i1.517

Abstract

The economic crisis and the entry of commercial banks in the small micro-credit market is estimated to have an impact on rural banks (BPR) business. By using time series data, and using performance measures such as the performance of rural banks lending, third-party funds (savings and deposits), lending rates, and spreads, the study concluded that the entry of commercial banks in the small micro-credit markets do not interfere (negative affect) the performance of BPR DIY. In terms ofthe economic crisis, the response performance of BPR DIY show mixed reactions. In terms of lending and third-party funds, the economic crisis actually makes BPRis able to raise his credit and increase the ability to collect deposits. While in the case of the determination of interest rates, the crisis negatively affect the interest rate (lower lending rates). Similarly, for a variable spread, the crisis also have negative impacts, which means that with the economic crisis, the ability of BPR take spread decreases.Keywords: rural bank, micro and small enterprises credit, crisis economy
sebuah Pengembangan Ekonomi Jemaat melalui Revitalisasi Aset Gereja: Studi Kasus Retreat Centre GBKP. Frebin Thea Rona; Murti Lestari
Management and Sustainable Development Journal Vol. 7 No. 1 (2025): Management and Sustainable Development
Publisher : Department of Management - Institut Shanti Bhuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46229/msdj.v7i1.1012

Abstract

Penelitian ini bertujuan untuk mengkaji bagaimana gereja dapat berperan aktif dalam pemberdayaan ekonomi jemaat melalui pengelolaan aset yang dimilikinya. Gereja Batak Karo Protestan (GBKP) melalui unit pelayanannya yaitu Retreat Center GBKP Suka Makmur, menjadi objek studi dalam penelitian ini. Dengan menggunakan pendekatan kualitatif dan metode studi kasus, penelitian ini menyoroti potensi revitalisasi aset gereja dalam meningkatkan kesejahteraan jemaat secara holistik. Data dikumpulkan melalui wawancara, observasi partisipatif, dan studi dokumentasi. Hasilnya menunjukkan bahwa Retreat Center GBKP memiliki potensi besar yang belum sepenuhnya dimanfaatkan. Revitalisasi melalui penguatan manajemen, diversifikasi program, dan kolaborasi eksternal menjadi strategi kunci untuk mewujudkan gereja yang mampu memberdayakan secara spiritual dan ekonomi.