Garuda - Garba Rujukan Digital

PENGUATAN JIWA KEWIRAUSAHAAN MELALUI KESADARAN POTENSI DIRI ANGGOTA BUMDES BERKAH BERSAMA DESA KARANG BUNGA KECAMATAN MANDASTANA KABUPATEN BARITO KUALA Titien Agustina; Rezti Rezti; Muhammad Nurdin; Sampurnawati Sampurnawati; Sri Suryani; Dodik Jatmika; Syamsuddinnor Syamsuddinnor; Asnawi Asnawi; Alfiannor Alfiannor; Nor Anisa; Maulana Maulana; Auni Humaira Puteri; Soraya Nur Amelia; Muhammad Zaini; Yogi Aris Ardianto
Indonesian Collaboration Journal of Community Services Vol. 1 No. 3 (2021): Indonesian Collaboration Journal of Community Services
Publisher : Yayasan Education and Social Center

This activity aims to inspire the growth of self-awareness that the potential that God gives to everyone and the natural environment around them is a peerless gift. When moved, used, and empowered will become a new force. The method used is action research or Participatory Action Research (PAR). The object of obstetrics is the caretaker and bumdes members are resources that have real power in spearheading village development. This community service activity is a workshop and focus group discussion (FGD). It is expected to explore the problems faced, obstacles that hinder the progress of themselves and the environment, and solutions that can be given based on real problems faced by the village community. It is hoped that through strengthening awareness of self-potential and environmental wealth will be able to be a driver of the growth of a strong entrepreneurial spirit in the village community. The results of the activities of dialogue and inventory of problems show that the mindset of the village community is still difficult to change with just one activity. Further activities and mentoring are needed that can open new awareness and drive changes in people's mindsets in order to be able to compete

The Effect of Capital Adequacy Ratio, Loan to Deposit Ratio, and Operational Costs than Operating Revenue on Return on Assets: Study on Conventional Banks in Indonesia Muhammad Herizal; Diana Diana; Rezti Rezti; Sri Suryani
Hut Publication Business and Management Vol. 1 No. 2 (2022): Hut Publication Business and Management
Publisher : PT. Hanken SUkses Jaya

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This study aims to determine the effect of Capital Adequacy Ratio (CAR) and Operating Income Operating Costs (BOPO) on Profitability Return On Assets (ROA) in conventional banks in Indonesia. The data obtained is sourced from financial statements listed on the Indonesia Stock Exchange for the period 2013–2017. Data analysis was carried out using quantitative descriptive statistical methods. From this study, it can be concluded that the results of the Simultaneous Test show that CAR, LDR, and BOPO have a significant simultaneous effect on ROA at conventional banks in Indonesia in 2017 and CAR and BOPO have a partially significant effect on ROA at banks. conventional method in Indonesia in 2017. LDR has no effect on ROA.

The Impact of Digital Financial Services on Financial Literacy in South Kalimantan, Indonesia Suryani, Sri; Hariyono, TA; Adha, Syamsul; Sucipto, Sucipto; Jahri, Muhammad
Journal of Social Work and Science Education Vol. 6 No. 2 (2025): Journal of Social Work and Science Education
Publisher : Yayasan Sembilan Pemuda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52690/jswse.v6i2.1195

The rapid advancement of digital financial services has reshaped the global financial ecosystem, offering enhanced accessibility and efficiency while also requiring users to possess a certain level of financial and digital literacy. This study aims to examine the impact of digital financial services on financial literacy in the city of Banjarmasin, South Kalimantan, Indonesia. Employing a quantitative research design, data were collected from 100 users of mobile and internet banking services at Bank Kalsel through structured questionnaires. Analysis was conducted using descriptive and simple linear regression methods. The findings reveal a strong positive relationship between digital financial services and financial literacy, with an elasticity coefficient of 8.172 and a correlation coefficient (R) of 0.662. The coefficient of determination (R² = 0.438) indicates that 43.8% of the variation in financial literacy is explained by digital financial services. These results underscore the importance of digital financial inclusion, technology adoption, and service quality in enhancing users' financial knowledge, skills, and behavior. The study recommends integrated efforts from the government, financial institutions, and digital service providers to develop inclusive, user-friendly, and secure digital platforms, supported by targeted financial education programs to promote financial empowerment and reduce socio-economic disparities in South Kalimantan.

The Effect of Capital Adequacy Ratio, Loan to Deposit Ratio, and Operational Costs than Operating Revenue on Return on Assets: Study on Conventional Banks in Indonesia Muhammad Herizal; Diana Diana; Rezti Rezti; Sri Suryani
Hut Publication Business and Management Vol. 2 No. 1 (2022): Hut Publication Business and Management
Publisher : PT. Hanken Sukses Jaya

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

This study aims to determine the effect of Capital Adequacy Ratio (CAR) and Operating Income Operating Costs (BOPO) on Profitability Return On Assets (ROA) in conventional banks in Indonesia. The data obtained is sourced from financial statements listed on the Indonesia Stock Exchange for the period 2013–2017. Data analysis was carried out using quantitative descriptive statistical methods. From this study, it can be concluded that the results of the Simultaneous Test show that CAR, LDR, and BOPO have a significant simultaneous effect on ROA at conventional banks in Indonesia in 2017 and CAR and BOPO have a partially significant effect on ROA at banks. conventional method in Indonesia in 2017. LDR has no effect on ROA.

PENGARUH STRES KERJA DAN LINGKUNGAN KERJA TERHADAP KINERJA PEGAWAI PADA DINAS KEBUDAYAAN, KEPEMUDAAN, OLAHRAGA, DAN PARIWISATA KOTA BANJARMASIN Grace Mercy Supit; Abd Wahab; Sri Suryani
Servqual: Jurnal Ilmu Manajemen Vol. 3 No. 2 (2026): Servqual: Jurnal Ilmu Manajemen
Publisher : CV. Anugerah Duta Perdana

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Fenomena menurunnya kinerja pegawai diduga dipengaruhi oleh stres kerja dan lingkungan kerja. Stres kerja dapat mengganggu konsentrasi, menurunkan motivasi, serta menghambat pencapaian kinerja, sedangkan lingkungan kerja yang kurang kondusif dapat mempengaruhi kenyamanan dan produktivitas. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh stres kerja dan lingkungan kerja terhadap kinerja pegawai, baik secara parsial maupun simultan. Metode penelitian menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Populasi dalam penelitian ini adalah seluruh pegawai Dinas Kebudayaan, Kepemudaan, Olahraga dan Pariwisata Kota Banjarmasin. Sampel penelitian diambil berdasarkan teknik sampling jenuh dengan jumlah sampel 54 orang pegawai instansi. Data diperoleh melalui kuesioner dan dianalisis menggunakan regresi linier berganda, uji t dan uji f dengan menggunakan SPSS. Hasil penelitian menunjukkan bahwa stres kerja berpengaruh negatif signifikan terhadap pegawai dengan nilai t hitung 2,397 > t tabel 2,012 dan signifikan 0,021 > 0,05. Lingkungan kerja berpengaruh positif signifikan terhadap kerja pegawai dengan nilai t hitung 4,233 > t tabel 2,012 dan signifikansi 0,000 < 0,05. Secara simultan, stres kerja dan lingkungan kerja berpengaruh signifikan terhadap kinerj pegawai dengan nilai f hitung 14,592 > F tabel 3,20 dan signifikan 0,000 < 0,05.

PERAN LITERASI KEUANGAN DALAM MENINGKATKAN KESEJAHTERAAN KEUANGAN KELUARGA: STUDI FENOMENOLOGI Sri Suryani
Servqual: Jurnal Ilmu Manajemen Vol. 4 No. 1 (2026): Servqual: Jurnal Ilmu Manajemen
Publisher : CV. Anugerah Duta Perdana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67379/sjim.v3i2.234

Literasi keuangan merupakan salah satu faktor penting yang memengaruhi kemampuan keluarga dalam mengelola sumber daya keuangan secara efektif sehingga dapat mencapai kesejahteraan finansial yang berkelanjutan. Penelitian ini bertujuan untuk memahami secara mendalam peran literasi keuangan dalam meningkatkan kesejahteraan keuangan keluarga berdasarkan pengalaman hidup para informan. Penelitian menggunakan pendekatan kualitatif dengan desain fenomenologi. Informan dipilih menggunakan teknik purposive sampling dengan kriteria kepala keluarga atau pasangan suami istri yang berperan dalam pengelolaan keuangan rumah tangga dan telah berkeluarga minimal tiga tahun. Pengumpulan data dilakukan melalui wawancara mendalam, observasi, dan dokumentasi. Analisis data menggunakan metode fenomenologi Moustakas yang meliputi tahapan epoche, horizonalization, pengelompokan tema, deskripsi tekstural, deskripsi struktural, dan sintesis esensi pengalaman. Keabsahan data dijamin melalui triangulasi sumber, member checking, serta penerapan kriteria trustworthiness. Hasil penelitian menunjukkan bahwa literasi keuangan berperan penting dalam membentuk perilaku pengelolaan keuangan keluarga melalui penyusunan anggaran, pengendalian pengeluaran, kebiasaan menabung, penyediaan dana darurat, serta pengambilan keputusan keuangan yang lebih bijaksana. Kesejahteraan keuangan oleh para informan dimaknai tidak hanya sebagai kemampuan memenuhi kebutuhan hidup, tetapi juga sebagai kondisi yang memberikan rasa aman, terbebas dari tekanan utang, serta memiliki kesiapan menghadapi kebutuhan di masa depan. Penelitian ini menyimpulkan bahwa literasi keuangan merupakan fondasi utama dalam membangun perilaku keuangan yang sehat dan berkontribusi terhadap peningkatan kesejahteraan keuangan keluarga. Temuan penelitian memberikan implikasi praktis bagi pemerintah, lembaga pendidikan, dan lembaga jasa keuangan dalam mengembangkan program edukasi literasi keuangan yang lebih efektif dan berorientasi pada perubahan perilaku masyarakat.

PENGARUH IKLIM ORGANISASI DAN MOTIVASI KERJA TERHADAP KINERJA KARYAWAN Najwa Azizah; TA Hariyono; Syamsul Adha; Muhammad Jahri; Sri Suryani
Servqual: Jurnal Ilmu Manajemen Vol. 4 No. 1 (2026): Servqual: Jurnal Ilmu Manajemen
Publisher : CV. Anugerah Duta Perdana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67379/sjim.v4i1.236

Penelitian ini bertujuan untuk menguji pengaruh iklim organisasi terhadap kinerja karyawan, menguji pengaruh motivasi kerja terhadap kinerja, serta secara simultan menguji pengaruh iklim organisasi dan motivasi kerja terhadap kinerja karyawan. Menggunakan teknik pengumpulan data melalui angket dengan skala Likert 1-5. Populasi adalah karyawan (diluar direktur) dari PT. Anugerah Sawit Andalan Banjarmasin berjumlah 66 orang. Dengan rumus Slovin didapatkan sampel 57. Alat analisis menggunakan regresi linear berganda. Hasil penelitian ini menyebutkan bahwa iklim organisasi berpengaruh signifikan terhadap kinerja karyawan. Motivasi kerja berpengaruh signifikan terhadap kinerja karyawan. Kemudian secara simultan iklim organisasi dan motivasi kerja berpangaruh signifikan terhadap kinerja karyawan.

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