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Comprehensive approaches in group loan management for enhancing women’s economic independence: case study of cetf bandungan district, Semarang regency Suryani, Wiwik; Inggarwati, Komala
Jurnal EDUCATIO: Jurnal Pendidikan Indonesia Vol 10, No 2 (2024): Jurnal EDUCATIO: Jurnal Pendidikan Indonesia
Publisher : Indonesian Institute for Counseling, Education and Therapy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/1202424963

This study investigates the management of group loans by the Bandungan District Community Empowerment Trust Fund (CETF) to enhance women's economic independence. Specifically, it examines the operational challenges, management strategies, and their impact on beneficiaries. Using a qualitative approach, the research involved in-depth interviews and observations of CETF management (IVCA, Financial Management Unit, Supervisory Body, and Verification Team) and 60 Women's Savings and Loans (WSL) group administrators. The study identifies key obstacles, such as financial instability, behavioral issues among members, and managerial inefficiencies. To address these, CETF implemented mentoring, training, and joint responsibility systems tailored to local contexts. These strategies have resulted in a 98% repayment rate, demonstrating the effectiveness of a community-based microfinance approach. This research is distinctive in its focus on rural women, the use of joint liability mechanisms, and flexible policies, such as loan rescheduling and moratoriums, which are underexplored in prior studies. The findings contribute to the literature on sustainable microfinance and provide practical insights for policymakers and microfinance managers to optimize group loan programs for women's empowerment.

Kinerja Keuangan Terhadap Nilai Perusahaan dengan Kepemilikan Manajerial Sebagai Variabel Moderasi Henrita, Dharamega Carissa; Inggarwati, Komala
Jurnal Penelitian dan Pengembangan Sains dan Humaniora Vol. 5 No. 1 (2021): April
Publisher : Universitas Pendidikan Ganesha

Penerapan tata kelola perusahaan yang baik akan meningkatkan kinerja keuangan. Tingginya kinerja keuangan memberikan efek kepada nilai perusahaan. Tujuan penelitian ini adalah untuk menganalisis kinerja keuangan berpengaruh terhadap nilai perusahaan pada industri food and beverage yang listed di Bursa Efek Indonesia dan hubungan kepemilikan manajerial memoderasi antara kinerja keuangan dengan nilai perusahaan dengan firm size sebagai variabel kontrolnya. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik pengambilan sampel purposive sampling. Metode yang digunakan dalam menganalisis data dalam penelitian ini menggunakan Eviews 11. Berdasarkan hasil analisis diperoleh hasil koefisien ROE, KM, dan SIZE terhadap TQ menunjukan arah negatif. Nilai p-value SIZE sebesar 0,614 yang lebih dari α (0,05). Maka ukuran perusahaan tidak berpengaruh terhadap nilai perusahaan. Nilai p-value KM sebesar 0,036 lebih kecil dari α (0,05), sehingga kepemilikan manajerial memiliki pengaruh langsung terhadap nilai perusahaan. Sedangkan p-value ROE yang dihasilkan sebesar 0,005 kurang dari α (0,05). Maka disimpulkan bahwa Return on Equity (ROE) sebagai proksi dari variabel kinerja keuangan berpengaruh negatif signifikan terhadap nilai perusahaan pada perusahaan sub sektor food and beverage. Serta, kepemilikan manajerial mampu memoderasi hubungan antara kinerja keuangan dengan nilai perusahaan pada perusahaan sub sektor food and beverage.

Comprehensive approaches in group loan management for enhancing women’s economic independence: case study of cetf bandungan district, Semarang regency Suryani, Wiwik; Inggarwati, Komala
Jurnal EDUCATIO: Jurnal Pendidikan Indonesia Vol. 10 No. 2 (2024): Jurnal EDUCATIO: Jurnal Pendidikan Indonesia
Publisher : Indonesian Institute for Counseling, Education and Therapy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/1202424963

This study investigates the management of group loans by the Bandungan District Community Empowerment Trust Fund (CETF) to enhance women's economic independence. Specifically, it examines the operational challenges, management strategies, and their impact on beneficiaries. Using a qualitative approach, the research involved in-depth interviews and observations of CETF management (IVCA, Financial Management Unit, Supervisory Body, and Verification Team) and 60 Women's Savings and Loans (WSL) group administrators. The study identifies key obstacles, such as financial instability, behavioral issues among members, and managerial inefficiencies. To address these, CETF implemented mentoring, training, and joint responsibility systems tailored to local contexts. These strategies have resulted in a 98% repayment rate, demonstrating the effectiveness of a community-based microfinance approach. This research is distinctive in its focus on rural women, the use of joint liability mechanisms, and flexible policies, such as loan rescheduling and moratoriums, which are underexplored in prior studies. The findings contribute to the literature on sustainable microfinance and provide practical insights for policymakers and microfinance managers to optimize group loan programs for women's empowerment.

Peranan Faktor-Faktor Individual dalam Mengembangkan Usaha: Studi Kuantitatif pada Wirausaha Kecil di Salatiga Inggarwati, Komala; Kaudin, Arnold
International Research Journal of Business Studies Vol. 3 No. 2 (2010): August-November 2010
Publisher : Universitas Prasetiya Mulya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21632/

The enormous number of micro enterprises contributes relatively low to the aggregate economy. This is due to the fact that many small businesses do not grow although it has been run for years. Reluctance to grow may be due to, for instance, the desire to retain ownership or avoidance of loss of satisfaction. This study aims to examine the influence of several individual factors that may affect growth intention. Those factors are the start-up motivation, self-efficacy and risk taking propensity of the business owners. The sample of this study were 50 pedagang kreatif lapangan in Salatiga who are the founder of his/her business. Multiple-regression analyses reveal that start-up motivation and self-efficacy significantly affect growth intention. This means that entrepreneurs who start their business because of some positive reasons and faith have greater intention to grow. The result also indicates that although a micro-entrepreneur has a high degree of risk taking propensity, his/her intention to grow may be low when he/she lacks of neither positive start-up motivation nor a high degree of self-efficacy.

The Effect of Compensation and Career Development on Turnover Intention With Job Satisfaction as A Mediating Variable and Employment Engagement as A Moderating Variable PT Nesia PAN Pacific KNIT Sadewa, Bakti; Inggarwati, Komala
Dinasti International Journal of Education Management and Social Science Vol. 7 No. 3 (2025): Dinasti International Journal of Education Management and Social Science (Febru
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijemss.v7i3.5995

This study aims to examine the impact of compensation, career development, and job satisfaction on turnover intention, with job satisfaction acting as a mediating variable. In addition, employment engagement is analyzed as a moderating variable to strengthen the effect of compensation and career development on turnover intention. The research was conducted using a quantitative approach with Structural Equation Modelling (SEM) to test the hypotheses. The sample consists of employees from various companies. The results indicate that compensation positively and significantly influences job satisfaction. Similarly, career development has a positive and significant effect on job satisfaction, supporting the hypotheses. However, compensation's influence on turnover intention was found to be insignificant, leading to the rejection of this hypothesis. In contrast, career development positively and significantly influences turnover intention. Job satisfaction was also found to mediate the effects of both compensation and career development on turnover intention. Additionally, employment engagement significantly moderates the relationship between career development and turnover intention, but its moderating effect on compensation was not significant. The findings of this study highlight the importance of fair compensation and career development programs in enhancing employee satisfaction and reducing turnover intention. Companies should prioritize these factors in their human resource strategies to foster higher employee retention rates.

Analysis of The Feasibility Study for The Culinary Business of Culinary Tourism in Kali Mojo, Tegalwaton, Semarang Regency Nur Ifa Maulida; Rahayu Ambarwati; Astri Dian Utami; Komala Inggarwati
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 1 (2022): Januari
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i1.319

Tegalwaton Village has potential that can be developed to become a tourist attraction. One of them is the Kali Mojo area which is located near the Tingkir toll exit. For now, Kali Mojo is managed by the Kingstone youth organization in the area. The potential of Kali Mojo has a good opportunity to become a culinary tourism center. This study was conducted to assess the development of culinary tourism in Kali Mojo from the market and financial aspects. The results show that the culinary tourism development plan in Kali Mojo has a large market potential and is financially profitable so it is possible to run.

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