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Non-Performing Loans and Operating Expenses Impact on Capital Adequacy Ratio Estiasih, Soffia Pudji; Noerchoidah, Noerchoidah; Nurdina, Nurdina; Putra, Andhika Cahyono
Journal of Accounting Science Vol 8 No 2 (2024): July
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jas.v8i2.1840

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General Background: Banks are pivotal to economic development, serving as financial intermediaries that facilitate capital flow between savers and borrowers. Their financial health is often assessed using ratios like the Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), and Operating Expenses to Operating Income (OEOI). Specific Background: The CAR indicates a bank's ability to withstand potential losses, making it a critical measure of financial stability. The relationship between NPL, OEOI, and CAR, with Return on Equity (ROE) as a moderating variable, remains underexplored, particularly in the context of Indonesian commercial banks. Knowledge Gap: Previous studies have inadequately addressed how ROE moderates the effects of NPL and OEOI on CAR. Aims: This study aims to examine the interactions between NPL and OEOI on CAR, moderated by ROE, using data from 30 commercial banks listed on the Indonesian Stock Exchange from 2018 to 2020. Results: The findings reveal that NPL significantly negatively impacts CAR, while OEOI's effect is negative but insignificant. ROE moderates the impact of OEOI on CAR significantly but not NPL. Novelty: This study introduces ROE as a moderating variable, providing a nuanced understanding of its differential effects on CAR in the Indonesian banking sector. Implications: The results offer practical insights for bank management to optimize financial performance and contribute theoretically to the literature on banking stability and profitability. These findings can inform future research and decision-making in the financial industry.
SISTEM INFORMASI PENGELOLAAN KEUANGAN PADA KANTOR DESA LABUANG RANO KECAMATAN TAPALANG BARAT KABUPATEN MAMUJU Syarli, Syarli; Nurdina, Nurdina; Assidiq, Muhammad
Journal Peqguruang: Conference Series Vol 4, No 2 (2022): Peqguruang, Volume 4, No.2, November 2022
Publisher : Universitas Al Asyariah Mandar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35329/jp.v4i2.2024

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Sistem Informasi penilaian pelayanan diperlukan sebagai sistem yang mempermudah pendistribusian kuesioner survei penilaian pelayanan kepada responden dan memberikan kemudahan dalam pengolahan hasil survei tanpa harus mengelolanya lagi secara manual. Dengan adanya sistem ini diharapkan sistem pengolahan keuangan pada Kantor Desa Labuang Rano menjadi lebih mudah dan efektif guna membantu aparat Desa dalam mengelola keuangan dan pertanggungjawaban belanja anggaran Desa. Sistem informasi pengolahan ini dibuat dengan menggunakan pemrograman Visual Basic.Net. Dan berbasis database. Hasil penelitian ini dalam pengolahan keuangan Desa yaitu dapat mampu melayani proses penginputan dan pencarian data keuangan desa serta memberikan informasi lebih efektif dan efisien
Recurrence of Schizophrenia Patients Based on Family Support Factors and Compliance with Medication Fitria, Anjar Resti; Nurdina, Nurdina
Open Access Health Scientific Journal Vol. 5 No. 1 (2024): February 2024
Publisher : PT. Griya Eka Sejahtera

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55700/oahsj.v5i1.47

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Background: Relapses in schizophrenia sufferers still occur frequently, so sufferers have to undergo a re-treatment process. Relapse in schizophrenia has a major impact on sufferers, families and health services. Lack of family support and patient non-compliance in taking medication are the most common factors in relapse.Methods: The method used in this writing is a literature review study. The library sources used came from Pubmed, Searchgate, and Google Scholar which were published from 2015 to 2020, and manually selected articles that were relevant or in accordance with the research questions.Results: Family support and medication adherence influence the relapse of schizophrenia sufferers. Family support provided is in the form of informational support, assessment support, instrumental support and emotional support. Non-compliance with taking medication in schizophrenia sufferers is caused by limited costs, drug diversity, drug side effects, and family attitudes that are not open.Conclusion: the influence of family support factors on schizophrenia recurrence is very high because the higher the support provided by the family will increase coping and motivate sufferers to recover quickly from their illness. The influence of adherence to taking medication in schizophrenia sufferers is very high because sufferers who do not comply with taking medication are more at risk of experiencing a relapse compared to sufferers who adhere to taking medication. The most dominant factor influencing recurrence is compliance with taking medication
Psychoeducation of Stress Management on Family Self Efficacy in Caring For Patients With Mental Disorders Kusuma Wardani, Lingga; Malairu, Hildegardis Indah R; Nurdina, Nurdina
Open Access Health Scientific Journal Vol. 5 No. 2 (2024): August 2024
Publisher : PT. Griya Eka Sejahtera

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55700/oahsj.v5i2.56

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Background: The family's burden is exacerbated by stigma which can come from oneself or the environment during treatment for a family member with a mental disorder, which makes the sufferer's condition worse and even the family's boredom and fatigue during treatment. The The aim of this research is to analyze the influence of stress management psychoeducation on families self-efficacy in caring for patients with mental disorders.Methods: This research uses one group pre test and post test design. Respondents were taken using a purposive sampling technique with a sample of 30 people. The independent variable is stress management psychoeducation and the dependent variable is family self-efficacy in caring for patients with mental disorders. Statistical test results use the Wilcoxon Test.Results: The results of the study showed that family self- efficacy in caring for patients with mentally disorders before stress management psychoeducation was known by the majority of respondents, 22 (73%) in the poor category. Family self-efficacy in caring for patients with mental disorders after stress management psychoeducation was known by almost all respondents, 25 (83%) in the good category. The results of data analysis show that the significance level is 0.000 < α = 0.05 so that H0 is rejected and H1 is accepted, thus there is an influence of stress management psychoeducation on family self-efficacy in caring for patients with mental disorders.Conclusion: Stress management psychoeducation is one way of social persuasion to increase family self-efficacy in caring for patients with mentally disorders. Because psychoeducation has the aim of helping people with certain physical or mentally health conditions to obtain appropriate and correct information about these conditions
Membangun Kepuasan Karir Dengan Kecerdasan Emosional Dan Perilaku Inovatif: Moderasi Efikasi Diri noerchoidah, noerchoidah -; Nurdina, Nurdina
Jurnal Manajerial Vol 11 No 01 (2024): Jurnal Manajerial
Publisher : Program Studi Manajemen Universitas Muhammadiyah Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30587/jurnalmanajerial.v11i01.6186

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Background – Observing the practical conditions at the bank, frontline employees are the main gateway for the company to serve customers. Frontline employees as an indicator of success in customer service. Employees in the service department often experience stress when dealing with many customers with various problems and characters. Therefore, emotional intelligence and innovative behavior are needed in providing services in dealing with customers in different ways. Innovative behavior can encourage career satisfaction for private bank employees in Surabaya. Objectives – This research examines the moderating influence of emotional intelligence, innovative behavior, career satisfaction, and self-efficacy. Design/ Method/ Approach - The research method uses a quantitative explanatory research design. Questionnaires are used to collect data either directly from respondents or through the Google form. Purposive sampling technique was used to take samples from 156 private bank employees in Surabaya. The collected data were analyzed using SEM-PLS. Results and Discussion – The research results show that emotional intelligence has a positive and significant effect on innovative behavior. Innovative behavior has a positive and significant effect on employee career satisfaction, Emotional intelligence has a positive and significant effect on career satisfaction, Innovative behavior mediates between emotional intelligence and career satisfaction, Self-efficacy moderates between emotional intelligence and innovative behavior, Self-efficacy moderates between emotional intelligence and employee career satisfaction private bank in Surabaya. Conclusion – Emotional intelligence can increase innovative behavior and career satisfaction. Innovative behavior can mediate emotional intelligence and career satisfaction. Self-efficacy can moderate between emotional intelligence on innovative behavior and emotional intelligence on career satisfaction. Research Implications – This study provides recommendations to private bank leaders in Surabaya to pay attention to managing and motivating emotional intelligence, innovative behavior, self-efficacy, and employee career satisfaction to improve performance. Research Limitations - The research sample was only private bank employees in the Surabaya area. Comparative research can be conducted on government bank employees to compare findings. This research was carried out in a cross section manner where only observations were made at the time of the research, preferably requiring longitudinal research.
Penerapan Model Project Based Learning Untuk Meningkatkan Motivasi Belajar Peserta Didik Kelas III Sekolah Dasar SDN 26 Cakranegara Nurdina, Nurdina; Solihin, Solihin; Aminundin, Aminundin
Journal of Science Instruction and Technology Vol. 3 No. 2 (2023): JSIT
Publisher : Fakultas Keguruan dan Ilmu Pendidikan Universitas Samawa

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

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This research aims to obtain information on the extent to which student motivation and learning outcomes increase by implementing the project-based learning model. The problem formulation in this research is "How the application of project-based learning can increase the motivation and learning outcomes of class III A students at SDN 26 Cakranegara" This type of research is Collaborative Classroom Action Research (PTK) in collaboration with DPL, tutor teachers, class teachers and friends’ colleague. The subjects in this research were 35 students in class III A of SD Negeri 26 Cakranegara, consisting of 19 male students and 16 female students. The data collection techniques used in this research are observation techniques and learning outcomes carried out during the ongoing implementation of PPL in cycle I and cycle II. The data analysis techniques used are quantitative and qualitative techniques. Quantitative techniques for processing quantitative data from test results. Meanwhile, qualitative techniques are used to analyze non-test qualitative data. Based on research conducted by researchers, it can be concluded that the application of the Project Based Learning model in class III A of SDN 26 Cakranegara has proven effective in increasing student motivation and learning outcomes. The research results showed that learning motivation reached 55% in the pre-cycle, 65% in cycle 1 and increased to 90% in cycle II. Based on these results, there was an increase of up to 35% and has exceeded the previously determined percentage of 80%. Meanwhile, in terms of student learning outcomes, there has been an increase in the number of students who have completed thematic subjects. In pre-cycle to cycle II the increase reached 46% with an average score reaching 80 and exceeding the KKM determined by the school. Thus, the use of the Project Based Learning model is effective in increasing the motivation and learning outcomes of class III A students at SDN 26 Cakranegara for the 2022/2023 academic year.
Strategi Peningkatan Penjualan Melalui Pelatihan Teknik Pembuatan Kemasan Produk Pada UMKM Di Kelurahan Sepanjang Kecamatan Taman - Sidoarjo Fachrudy Asj’ari; Nurdina; Ferry Hariawan; Yuli Kurnia Firdausia
Ekobis Abdimas Vol 5 No 1 (2024): Juni 2024
Publisher : Fakultas Ekonomi, Universitas PGRI Adi Buana Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36456/ekobisabdimas.5.1.9240

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Kunci penjualan produk adalah pengembangan bentuk kemasan serta visualisasi desain produk kemasan yang mampu meningkatkan daya tarik penjualan. Permasalahan kemasan juga terjadi pada pelaku usaha yang berada di Kelurahan Sepanjang Kecamatan Taman - Sidoarjo. Sebagian besar pelaku usaha terutama yang bergerak di bidang makanan memiliki kemasan yang sederhana, bahkan tanpa merek. Kemasan hanya dijadikan sebagai pelindung produk saja agar mudah dibawa dan tahan lama. Program pelatihan ini bertujuan untuk mengedukasi dan meningkatkan keterampilan masyarakat terkait teknik pembuatan kemasan produk. Metode Pelaksanaan yang dilakukan adalah dengan penyuluhan dan pelatihan terkait teknik dalam membuat kemasan produk serta melakukan pendampingan dalam proses pembuatan kemasan produk. Program pengabdian kepada masyarakat pada pelaku usaha (UMKM) di Kelurahan Sepanjang Kecamatan Taman - Sidoarjo ini terselenggara dengan hasil yang baik. Antusiasme yang cukup tinggi dari pelaku usaha turut mendukung keberhasilan program yang dijalankan. Penguasaan dalam strategi pengemasan produk dapat membantu pelaku usaha dalam upaya untuk meningkatkan penjualan produk
Acceptability Of Red Bean-Based Filter Porridge (Phaseolus Vulgaris L) In Patients With Oral Diet Via RSUD Undata Province Central Sulawesi Yessi Irvina Tombokan; Sri Rezeki Pettalolo; Nurdina, Nurdina
Jurnal EduHealth Vol. 15 No. 03 (2024): Jurnal EduHealt (September), Year 2024
Publisher : Sean Institute

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

Abstract

One way to improve the quality of filter food and prevent the amount of food waste in patients receiving a filter food diet is to modify the menu so that the filter food still has nutrients that meet the patient's needs and has a taste, aroma, and texture that can increase the patient's appetite. The type of food that can be modified in the filter food menu is the use of red beans which have nutrients that are rich in vitamins, minerals and bioactive compounds. Objective: to determine the acceptability of red bean-based filter porridge (Phaseolus Vulgaris L) to patients with oral diet at RSUD Undata, Central Sulawesi Province. This study used a quasi-experimental design. The data collection technique used an acceptability questionnaire. Data analysis included univariate and bivariate using one sample Kolmogorov Smirnov test. Based on the results of bivariate analysis using the one sample Kolmogorov Smirnov test, the results of the acceptability of aroma, color, texture, and taste were obtained with a value of p = 0.000, which means that there is an effect of the acceptability of red bean-based filter porridge (PhaseolusVulgaris L) on the acceptability of taste, aroma, texture, and color of patients with oral diet at RSUD Undata, Central Sulawesi Province. Conclusion: The acceptability of red bean (PhaseolusVulgaris L) based filter porridge has good taste, aroma, texture, and color acceptability.It is expected that further research to analyze the nutrient levels of carbohydrates, protein and fat as well as calories in red bean-based filter porridge and use comparison samples on the acceptability of red bean-based filter porridge with hospital formulated filter porridge.
Person Job Fit dan Komitmen Karir: Peran Keterlibatan Kerja Noerchoidah, Noerchoidah; Ariprabowo, Tri; Nurdina, Nurdina; Alfia, Nida
BALANCE: Economic, Business, Management and Accounting Journal Vol 20 No 1 (2023): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v20i1.16415

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ABSTRACTOrganizations try to determine individuals who match their values and goals. This study explores a person's job fit's impact on career commitment by mediating work involvement. Data collection was carried out through a structured questionnaire. The population consists of lecturers working in Surabaya's private higher education sector. Determination of the sample using purposive sampling with a total of 158 respondents. Questionnaires that have been collected and tabulated were analyzed using PLS. The results reveal that personal job fit positively and significantly affects work involvement and career commitment. Work involvement has a positive and significant effect on career commitment. Work involvement mediates the relationship between personal job fit and career commitment. This research has implications for all institutions that wish to improve their employees' person–organizational fit and commitment. This implication helps institutions to take special initiatives to increase personal job fit for their lecturers, which in turn will increase the level of commitment of their lecturers to remain in their institutions.ABSTRAKOrganisasi mencoba menentukan individu yang sesuai dengan nilai dan tujuannya. Penelitian ini memiliki tujuan untuk mengeksplorasi dampak person job fit pada komitmen karir dengan   mediasi keterlibatan kerja. Pengumpulan data dilakukan melalui kuesioner terstruktur. Populasi terdiri dari para dosen yang bekerja di sektor pendidikan tinggi swasta di Surabaya. Penentuan sampel menggunakan purposive sampling dengan jumlah 158 responden. Kuesioner yang telah terkumpul dan ditabulasikan dianalisis menggunakan PLS. Hasilnya mengungkapkan bahwa personal job fit berpengaruh positif dan signifikan terhadap keterlibatan kerja dan komitmen karir. Keterlibatan kerja berpengaruh positif dan signifikan terhadap komitmen karir. Keterlibatan kerja memediasi hubungan antara personal job fit dan komitmen karir. Penelitian ini memberikan implikasi bagi semua institusi yang ingin meningkatkan person–organization fit dan komitmen karyawannya. Implikasi ini membantu institusi untuk mengambil inisiatif khusus untuk meningkatkan person job fit bagi para dosennya, yang selanjutnya akan meningkatkan tingkat komitmen dosennya untuk tetap bertahan di institusinya.
THE THE EFFECT OF INTEREST RATE, ADMINISTRATIVE FEES, AND RISK ON ONLINE LENDING DECISIONS ON FINTECH LENDING APPLICATIONS Sidharta, Yudi; Nurdina, Nurdina; Putri, Nabila Maulidya
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 4 (2024): IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i4.16178

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This study aims to determine and analyze the effect of interest rate variables, administrative costs, and risk on online loan-taking decisions. The approach used is quantitative method with primary data obtained through questionnaires. The research population includes all borrowers on the fintech lending platform in Surabaya City, while the research sample consists of borrowers of fintech lending applications (Akulaku and Kredivo) in Surabaya City (272 samples). The sampling technique used was purposive sampling. This study contributes by integrating the influence of interest rates, administrative costs, and risk in one model to understand the collective influence on fintech lending user decisions. In addition, this study fills the gap of previous research by analyzing the contradictions in the results of previous studies related to the factors that influence credit decisions, as well as presenting a new perspective with a focus on fintech lending platforms in Surabaya City. The results showed that the variables of interest rates, administrative costs, and risk affect the decision to take online loans