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TATA KELOLA BIAYA TRANSAKSI DALAM LAYANAN PERBANKAN DIGITAL: ANALISIS KELEMBAGAAN DAN IMPLIKSASI ADMINISTRATIF Utomo, Setyo; HS, M Hamdi
Jurnal Administrasi Publik dan Pembanguan Vol 7, No 2 (2025): JULI - DESEMBER 2025
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/jpp.v7i2.17553

Abstract

Penelitian ini bertujuan menganalisis struktur biaya transaksi pada layanan perbankan serta biaya transaksi penunjang yang muncul di luar mekanisme resmi bank, terutama dalam konteks layanan digital. Fokus analisis diarahkan pada perbedaan karakteristik antara biaya yang ditetapkan lembaga keuangan, yang bersifat formal dan terukur, dan biaya tambahan yang timbul akibat keterbatasan informasi, information asymmetry, serta kebutuhan nasabah untuk memenuhi berbagai keperluan administratif dan teknis sebelum maupun sesudah proses kredit. Pendekatan kualitatif digunakan melalui analisis dokumen, telaah teori biaya transaksi, serta penelusuran temuan empiris yang relevan untuk merumuskan pola biaya transaksi yang dihadapi nasabah. Hasil penelitian menunjukkan bahwa biaya transaksi bank terdiri atas biaya administrasi, pengawasan, pencarian informasi, dan biaya kepercayaan penyedia kredit. Biaya transaksi penunjang mencakup biaya pelaksanaan, monitoring, serta biaya informasi dan koordinasi, yang seluruhnya muncul akibat proses komunikasi, konsumsi, maupun transportasi nasabah. Temuan tersebut memperlihatkan bahwa digitalisasi layanan belum sepenuhnya mengurangi biaya transaksi, karena nasabah dengan literasi keuangan dan literasi digital terbatas tetap menanggung beban biaya yang cukup besar. Kesimpulan penelitian menegaskan pentingnya edukasi, transparansi, dan penyederhanaan prosedur oleh perbankan untuk menekan ketidakefisienan yang dialami nasabah. Upaya tersebut berpotensi meningkatkan inklusi keuangan, memperkuat kepercayaan, dan menciptakan transaksi yang lebih efisien serta berkeadilan.
Improvement of Sheep Reproductive Performance in Livestock Groups Through Flushing Applications Locally Sourced in Banyusidi Village Utomo, Setyo; Sudrajat, Ajat; Rasminati, Nur; Nugroh0, Bambang
Farmers : Journal of Community Services Vol 7, No 1 (2026): Farmers: Journal of Community Services
Publisher : Unpad Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/fjcs.v7i1.66799

Abstract

Community Partnership Service activities have been carried out in the Abita Farm sheep business group and the Berkah Makmur livestock group, Banyusidi village, district, Magelang from May to November 2025. The problem in these two groups is the low reproductive efficiency, namely giving birth 2 times in 2 years, which should be 3 times in 2 years for sheep.  The solution to this problem is the use of egg yolks mixed with MOL (Local Micro Organisms) rice as feed flushing, rice MOL making, making a reproductive calendar and flushing techniques. The methods applied are awareness, training, flushing application, evaluation of flushing results and making MOL and mentoring. Flushing technology is applied using egg yolks mixed with MOL given as additional feed to prospective and non-pregnant sheep for 10 days with a dose of 7ml of egg yolk mixed with 5 ml of MOL/head/day, then observation of growth and the onset of bile.  Livestock that are greedy are mated by nature.  The results achieved in the Abita Farm group after 10 days of flushing sheep with an average age of 2.2 years showed that 50% were fertile and immediately mated naturally, while the body weight gain was relatively fixed.  In the Berkah Makmur group with an average age of 2.15 years, 55% experienced lustfulness and an increase in body weight of 189.25 g/day.  The average level of satisfaction of participants showed 22% satisfied and 78% very satisfied with the results of flushing and the ability to apply in sheep farming. To ensure the sustainability of this activity, it is coordinated with the Magelang Regency Livestock and Fisheries Office. It was concluded that the provision of flushing of mixed egg yolk-MOL feed precisely ensures good growth and growth, especially in sheep that are only given forage.
Upaya Pencegahan Penyakit Ayam Kampung Untuk Meningkatkan Produksi di Kelompok PKH Desa Podosoko Candimulyo Magelang Rasminati, Nur; Utomo, Setyo; Sudrajat, Ajat
Farmers : Journal of Community Services Vol 7, No 1 (2026): Farmers: Journal of Community Services
Publisher : Unpad Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/fjcs.v7i1.67876

Abstract

The purpose of community service is to increase the income of PKH members of Podosoko Village, Candimulyo, Magelang through the prevention of free-range chicken diseases. The activity starts from May to November 2025. The implementation method is through the technique of raising awareness of the mindset of traditional livestock to business-oriented breeding, disease prevention in free-range chickens, intensive cage making training (demonstration plot), making local microbial starters (MOL) from rice, selection of good chicken seeds, understanding of traditional medicines, assistance in chicken brood and disease prevention with regular vaccination and assistance. This activity is in collaboration with the Magelang Regency Government. The results of the activities achieved were that 60% of participants actively participated in the FGD, 85% understood the importance of doing free-range chicken business, 70% of participants considered the activities to be in accordance with their needs. Chickens fed MOL lay eggs (40%), participants were able to make MOL and were ready to practice it 25%, active in maintenance in the demonstration plot there were 4 people (40%). Participants were very enthusiastic (practicing) the production triangle by 60% by realizing the need to prevent chicken disease (75%) and feeding locally made with fermentation technology (80%) and felt able to be a native chicken entrepreneur with a business orientation through an intensive cage system (85%). It was concluded that this activity was very beneficial for the PKH group, improving knowledge and skills in raising free-range chickens. To ensure the sustainability of this activity, it is coordinated with the Magelang Regency Livestock and Fisheries Office
Peran Kepolisian dalam Penegakkan HAM terhadap Penangkapan Aktivis Lingkungan Hidup di Jakarta Fau, Arnoldus Pembaharuan Fransiskus; Utomo, Setyo; Zham, Lelly Muridi Zham
Jurnal Pendidikan Tambusai Vol. 10 No. 1 (2026)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v10i1.37506

Abstract

Penelitian ini bertujuan untuk mengkaji peran Kepolisian Negara Republik Indonesia dalam menjamin penegakan Hak Asasi Manusia (HAM) pada kasus penangkapan aktivis lingkungan hidup di Jakarta serta mengidentifikasi berbagai kendala yang memengaruhi implementasinya. Metode yang digunakan adalah penelitian yuridis normatif dengan pendekatan terhadap peraturan perundang-undangan, literatur hukum, serta sumber sekunder lainnya. Hasil penelitian menunjukkan bahwa dalam praktiknya masih ditemukan berbagai bentuk pelanggaran HAM, seperti penangkapan tanpa prosedur hukum yang sah, pembatasan akses terhadap bantuan hukum, serta tindakan represif aparat. Hambatan utama meliputi rendahnya pemahaman aparat terhadap prinsip HAM, tekanan politik, lemahnya sistem pengawasan, serta budaya organisasi yang cenderung hierarkis. Oleh karena itu, diperlukan reformasi menyeluruh dalam tubuh kepolisian melalui peningkatan kapasitas aparat, penguatan pengawasan, dan penerapan prinsip akuntabilitas.
Budidaya Ayam Kampung Terintegrasi untuk Mengatasi Stunting di Desa Candisari, Kecamatan Windusari, Kabupaten Magelang Nur Rasminati; Setyo Utomo; Bambang Nugroho
Jurnal Pemberdayaan Masyarakat Vol 8 No 2 (2023): November
Publisher : Direktorat Penelitian dan Pengabdian kepada Masyarakat (DPPM)

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

Abstract

Candisari village is one of the villages in Windusari District, Magelang which has a problem of high stunting children. Stunting is a major threat to the quality of Indonesian society. This activity aims to assist the government in overcoming stunting through integrated native chicken cultivation. The methods used are raising awareness in the community, training and making demonstration plots. The target group is mothers who have children under five years old (toddlers) who are indicated to be stunted. The training carried out was how to raise native chickens integrated with vegetable crops, making supplementary food formulas for toddlers, demonstration plots of raising chickens integrated with vegetable plants. Chicken rearing activities are carried out by providing stimulus to 30 hens and 3 roosters. The results of the assistance reduced the stunting rate from 79 toddlers at the beginning of the activity to 46 toddlers at the end of the activity. Based on observations, all native chickens (100%) have laid eggs, with 100% hatchability and an average number of chicks of 10. In the cultivation of vegetable plants in the yard, it has succeeded 90% and has started to harvest the mustard, tomato and chili plants. The conclusion from this activity is that integrated chicken farming has a positive impact on reducing stunting rates.
Optimalisasi Produksi dan Nilai Tambah Susu Kambing Melalui Teknologi Pengolahan dan Strategi Pemasaran pada Peternak di Dusun Kemiri, Purwobinangun, Pakem, Sleman Rasminati, Nur; Utomo, Setyo; Pradana, Mahendra Wahyu Eka; Hasibuan, Noor Rizky Irmasari; Ismail, Fazhana
Farmers : Journal of Community Services Vol 7, No 2 (2026): Farmers: Journal of Community Services
Publisher : Unpad Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/fjcs.v7i2.71624

Abstract

Kegiatan Pengabdian kepada Masyarakat (PKM) telah dilaksanakan di Kelompok Ternak Kemiri yang berlokasi di Dusun Kemiri, Purwobinangun, Pakem, Sleman, Daerah Istimewa Yogyakarta selama bulan April sampai Juli 2026. Metode PKM dilaksanakan dengan pendekatan partisipatif dan interaktif yang melibatkan seluruh anggota kelompok. Fokus utama kegiatan ini adalah meningkatkan kapasitas anggota kelompok dalam manajemen produksi ternak perah, milking hygiene, pengolahan susu, dan strategi pemasaran guna meningkatkan produksi serta memberikan nilai tambah pada susu kambing segar yang dihasilkan kelompok ternak. Hasil kegiatan menunjukkan adanya peningkatan pemahaman dan keterampilan peternak dalam manajemen pemeliharaan ternak, penerapan pemerahan yang higienis, pengolahan susu menjadi produk olahan, serta strategi pemasaran produk. Inovasi pengolahan susu segar menjadi yogurt mampu meningkatkan nilai tambah produk sekitar 67–69%. Sebagai tindak lanjut, kegiatan pendampingan akan terus dilakukan melalui monitoring penerapan teknologi pengolahan susu, pendampingan pengembangan usaha dan pemasaran produk yogurt, serta evaluasi keberlanjutan produksi untuk memastikan inovasi yang telah diperkenalkan dapat diterapkan secara konsisten dan memberikan dampak ekonomi yang berkelanjutan bagi kelompok ternak.