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All Journal BISMA (Bisnis dan Manajemen) Harmoni Sosial : Jurnal Pengabdian Dan Solidaritas Masyarakat
Maya Rosita
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Pengaruh Makroekonomi, Capital Adequacy Ratio, Loan To Deposit Ratio dan Pertumbuhan Kredit terhadap Non Performing Loan pada Bank Asing di Indonesia Periode 2013-2014 Maya Rosita; Musdholifah Musdholifah
BISMA (Bisnis dan Manajemen) Vol. 8 No. 2 (2016)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (377.919 KB) | DOI: 10.26740/bisma.v8n2.p124-143

Abstract

The aim of this study was to understand the influence of macroeconomic factors in this research are exchange rate and inflation, while for the internal bank are capital adequacy ratio (CAR), loan to deposit ratio (LDR) and credit growth towards non performing loan (NPL). The data that used is quarterly data from financial statements of Foreign Bank in Indonesia period of 2013 until 2014. Data analysis method used is multiple-regression analysis. The results showed that there was a simultaneous influence of independent variables towards NPL of Foreign Bank in Indonesia. However, partially showed that CAR has a negative influence, the higher capital adequacy ratio, it can serve to accommodate the risk of losses faced by banks due to the increase in non performing loans. LDR has a positif influence, LDR shows expansion of bank loans made to measure current or whether bank intermediary function. LDR which leads to high risk of uncollectible loans to be high which will result in a non performing loans.
Sosialisasi Optimalisasi UMKM melalui Digitalisasi Agribisnis, K3, Perlindungan Paten, dan Sistem Pembukuan di Desa Pugeran Kec. Gondang Mojokerto Mochamad Irfan; Rizka Amelia Rachamadita; Aditya Wardhana; Mochammad Dzulfiqar Khoirumansyah; Nova Belinda Ramadhani; Fella Amelia Kartikasari; Alym Wiranda Khofsoh; Purwanti Agustin; Nur Cita Amalia; Dewi Agustia Ningsih; Maya Rosita; Eka Hartalina; Perdana Faishal Abdillah; Muhammad Zaenal Adiroso; Muhammad Reza Syahputra; Muhammad Rafli Al Hafits; Reza Saifudin Falah; Afrian Nugraha Wijaya; Fauzan Rahmat Abdillah; Yudik Prasetiawan; Kholifah Widya Ashari; Bagas Taruna; Rahmat Arwin Wicaksono; Samuel Yudea
Harmoni Sosial : Jurnal Pengabdian dan Solidaritas Masyarakat Vol. 3 No. 2 (2026): April: Harmoni Sosial : Jurnal Pengabdian dan Solidaritas Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/harmoni.v3i2.3160

Abstract

The purpose of this community service program is to enhance the capacity and independence of Micro, Small, and Medium Enterprises (MSMEs) by providing improved training in business management. The program covers the use of digital technology in the agricultural sector, the implementation of occupational safety and health practices, intellectual property protection, and simple financial record-keeping practices. In Pugeran Village, the activities were carried out using a collaborative approach involving the village government, MSME actors, and university students participating in the Community Service Program (Kuliah Kerja Nyata). A qualitative descriptive approach was employed through observation, interviews, and focus group discussions, complemented by direct mentoring and counseling sessions. The results indicate that MSME actors have begun to understand the importance of maintaining simple financial records, utilizing digital technology to market their products, and becoming more aware of workplace safety as well as legal protection for their businesses. The program also encouraged MSME actors to shift their perspectives and manage their enterprises in a more professional manner. However, the speed of implementation varied depending on differences in age, educational background, and established business habits. Overall, this community service activity contributed to strengthening the capacity of MSMEs and supporting sustainable economic growth in the village
Co-Authors Afrian Nugraha Wijaya Alym Wiranda Khofsoh Bagas Taruna Dewi Agustia Ningsih Eka Hartalina Fauzan Rahmat Abdillah Fella Amelia Kartikasari Kholifah Widya Ashari Mochamad Irfan Mochammad Dzulfiqar Khoirumansyah Muhammad Rafli Al Hafits Muhammad Reza Syahputra Muhammad Zaenal Adiroso Musdholifah Musdholifah Nova Belinda Ramadhani Nur Cita Amalia Perdana Faishal Abdillah Purwanti Agustin Rahmat Arwin Wicaksono Reza Saifudin Falah Rizka Amelia Rachamadita Samuel Yudea Wardhana, Aditya Yudik Prasetiawan