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All Journal Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Jurnal Kompilasi Ilmu Ekonomi (KOMPILEK) International Conferences SDGs 2030 Challenges and Solutions Jurnal Bisnis Terapan Akuntabilitas: Jurnal Ilmiah Ilmu-Ilmu Ekonomi Jurnal Penelitian Manajemen Terapan (Penataran) SINDA: Comprehensive Journal of Islamic Social Studies Diversity Logic Journal Multidisciplinary RISK : Jurnal Riset Bisnis dan Ekonomi Jurnal Pengabdian Nasional (JPN) Indonesia
Sandi Eka Suprajang
STIE Kesuma Negara Blitar
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Diversity Logic Journal Multidisciplinary

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THE HANDLING OF BAD CREDIT AT KOPERINDO EAST JAVA, KANDAT DISTRICT, KEDIRI REGENCY Yusuf, Saifudin; Murdinar, Hardining Estu; Suprajang, Sandi Eka
DIVERSITY Logic Journal Multidisciplinary Vol. 1 No. 1 (2023): April: Diversity Logic Journal Multidisciplinary
Publisher : SYNTIFIC

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61543/div.v1i1.18

Abstract

Background. Koperindo East Java activities collect funds from the public in the form of savings and channel these funds back to the community in the form of credit and provide other bank services. Research Purpose. This study aims to analyze the percentage level of bad credit at Koperindo and describe Non-Performing Loans (NPL) for the last 3 years. Research Methods. This descriptive research at Koperindo East Java, Kandat District, Kediri Regency. This study used primary data sources by interviews and field observations. Researchers also used secondary data obtained through Koperindo banking documents and analyzed them using descriptive analytic methods. Findings. Bad credit is caused by internal factors and external factors in Koperindo. For 2020 it has an NPL of 7.42%, for 2021 it has an NPL of 9.97%, this shows that in 2022 NPL credit will increase by 2.25%. Because the NPL level at Koperindo East Java exceeds the policy standard, which is 5%, Koperindo emphasizes that in 2021 it will focus more on NPL so that cooperatives experience a decrease in the NPL level. So that in 2022 the NPL is 3.75% and has decreased by 6.22%. The NPL principle is “The Lower Is Better”, meaning that the smaller the NPL value, the better the soundness level of a cooperative. Conclusion. Handling bad credit problems through optimal and effective billing by the credit supervisory team and restructuring in 3 ways: extending the credit period, changing the loan system from the installment system to maturity, and confiscating collateral.
TIKTOK SHOP: CONSUMER CULTURE TRANSFORMATION IN THE ERA OF SOCIAL MEDIA Prasetyorini, Ema; Suprajang, Sandi Eka
DIVERSITY Logic Journal Multidisciplinary Vol. 1 No. 2 (2023): September: Diversity Logic Journal Multidisciplinary
Publisher : SYNTIFIC

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61543/div.v1i2.31

Abstract

Background. The presence of social media has transformed human communication and interaction patterns. Communication typically occurred through face-to-face interactions. However, in the modern era, thanks to technological advancements, communication can take place without the need for physical meetings. Research Purpose. This research aims to analyze changes in consumer culture in the context of TikTok Shop, a social media-based video platform connecting users to virtual stores, particularly among millennial female students in the Blitar Raya area. Research Method. This study employs a qualitative descriptive method. Data collection is carried out through unstructured interviews using purposive sampling. This research was conducted on students in the Blitar Raya area using sample selection criteria. The data analysis in this research is conducted using scaling measurement. Findings. Consumption patterns on the TikTok Shop social media platform include the intensity of watching live streaming and short videos containing product reviews from buyers. Millennial students in Blitar tend to consider online shopping as an effective and efficient method. They trust the authenticity of products more because promotions on the TikTok Shop social media platform create the impression that they can see the products as if in a physical store. Conclusion. Through this research, it is hoped that society can become more aware of the influence of social media on consumer behavior, avoiding falling into false consciousness and resisting the allure of advertising. Furthermore, the role of capitalism in fostering consumer behavior by blurring the line between wants and needs should also be given attention.
Co-Authors Afif Nur Rahmadi, Afif Nur Alma Hariyati Amalia Rizki Azizah, Khairunnisa Umi Djamilatul Chasanah Evita Novilia Firdiansjah, Achmad Gleydis Harwida Havidatun Nadziroh Al Ghozali Ilham Happy Ramadhan Intan Dewi Arini Khairunnisa Umi Azizah Latifah, Nunuk Moh. Roby Luthfianta Murdinar, Hardining Estu Nirwanto, Nazief Prasetyorini, Ema Puspitorini, Palupi Rahmawati, Resti Yuliana Renny Puspita Sari ruwina, khilma Shara Merry Palupi Sunandes, Aris Viki Intanasari Winurdana, Alfan Setya Yeyen Aprilia Yulia Kristina yusuf, saifudin