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All Journal Tekno - Pedagogi : Jurnal Teknologi Pendidikan Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Pendidikan dan Pembelajaran Khatulistiwa (JPPK) Urania Jurnal Ilmiah Daur Bahan Bakar Nuklir Jurnal Mahasiswa Fakultas Teknologi Informasi Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Fakultas Ekonomi Professional : Jurnal Komunikasi dan Administrasi Publik Jurnal Ilmiah Dinamika Rekayasa (DINAREK) IJCIT (Indonesian Journal on Computer and Information Technology) Jurnal Pendidikan Jasmani Kesehatan dan Rekreasi (Penjaskesrek) Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi IJBE (Integrated Journal of Business and Economics) SYUKUR (Jurnal Inovasi Sosial dan Pengabdian Masyarakat) Jurnal Ekonomi & Keuangan Islam KHOZANA: Jurnal Ekonomi dan Perbankan Islam KONSTAN - JURNAL FISIKA DAN PENDIDIKAN FISIKA JURNAL PHOTON JURNAL PENDIDIKAN TAMBUSAI Jurnal Pengembangan Wiraswasta Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi Ensiklopedia of Journal J-Dinamika: Jurnal Pengabdian Kepada Masyarakat Jurnal Abdimas PHB : Jurnal Pengabdian Masyarakat Progresif Humanis Brainstorming ECONOS Jurnal Ekonomi dan Sosial Translitera : Jurnal Kajian Komunikasi dan Studi Media Jurnal Ilmu Hukum Tambun Bungai Jurnal Ilmiah Edunomika (JIE) Ghaidan: Jurnal Bimbingan Konseling Islam dan Kemasyarakatan JATI (Jurnal Mahasiswa Teknik Informatika) Bikotetik (Bimbingan dan Konseling: Teori dan Praktik) Jurnal Abdi Insani JOURNAL OF INFORMATION SYSTEM RESEARCH (JOSH) Edunesia : jurnal Ilmiah Pendidikan Jurnal Agrotropika Indonesia Berdaya EKOMABIS: Jurnal Ekonomi Manajemen Bisnis Jurnal Ekonomi Trend : Pemasaran, Produksi, Keuangan, SDM, Akuntansi dan Sistem Informasi Manajemen Guiding World : Jurnal Bimbingan dan Konseling ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING ABDI EQUATOR Thawalib: Jurnal Kependidikan Islam Jurnal Ahsana Media : Jurnal Pemikiran, Pendidikan dan Penelitian ke-Islaman JURNAL ILMIAH GLOBAL EDUCATION Syiar: Jurnal Komunikasi dan Penyiaran Islam Jurnal Riset dan Aplikasi Mahasiswa Informatika (JRAMI) JUSTIN (Jurnal Sistem dan Teknologi Informasi) Baitul Ulum: jurnal Ilmu Perpustakaan The International Journal of Politics and Sociology Research Jurnal Multidisiplin Dehasen (MUDE) Al-MIKRAJ: Jurnal studi Islam dan Humaniora Jurnal Pendidikan dan Pembelajaran SENGKUNI Journal (Social Science and Humanities Studies) Jurnal Cakrawala Ilmiah Jurnal Dehasen Untuk Negeri Journal of Artificial Intelligence and Engineering Applications (JAIEA) Jurnal Pengabdian Masyarakat dan Penelitian Thawalib Jurnal Ilmiah Akuntansi dan Keuangan (JIAKu) Journal of Legal and Cultural Analytics (JLCA) Abdimas Indonesian Journal Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Education Technology Information Social Sciences and Health Jurnal Genesis Indonesia Tadwin: Jurnal Ilmu Perpustakaan dan Informasi Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS Jurnal Akuntansi dan Keuangan West Science TERAPUTIK: Jurnal Bimbingan dan Konseling Jurnal Pengabdian Masyarakat Charitas Langue Metris: Jurnal Sains dan Teknologi Riwayat: Educational Journal of History and Humanities Leksikon: Jurnal Pendidikan Bahasa, Sastra, dan Budaya Community Empowerment Journal Jurnal Inovasi Teknologi Terapan Journal of Professional Teacher Education Fin Synergy: Jurnal Manajemen Keuangan Jurnal Kewirausahaan dan Inovasi Multidisciplinary Journals SWARNA: Jurnal Pengabdian Kepada Masyarakat Social Sciences Journal International Research Journal of Business Studies Cosmic Jurnal Teknik Journal of Multidisciplinary Research Social Sciences Journal Journal of Law, Social Science, and Management Review Media Teknologi dan Informatika Jurnal Karya Nyata Pengabdian Harmonization Joong-Ki Computer & Science Industrial Engineering Journal Al-Irfan: Journal Of Arabic Literature and Islamic Studies Riset Akuntansi dan Bisnis Indonesia Qiyas : Jurnal Hukum Islam dan Peradilan
YANTO YANTO
Universitas Kristen Duta Wacana
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The Effect of Loan Interest Rate, Loan Flexibility, And Perceived Risk on the Intention to Use Peer-To-Peer Lending Among MSMEs In Pangkalpinang Setiawan, Chandra; Wardhani, Rulyanti Susi; Yanto, Yanto
Riset Akuntansi dan Bisnis Indonesia Vol 1 No 4 (2025): November
Publisher : LPPM STIE Krakatau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61401/rabi.v1i4.404

Abstract

Purpose: This study aims to examine the effects of loan interest rates, loan flexibility, and risk perception on micro, small, and medium-sized enterprises’ (SMEs’) intention to use peer-to-peer (P2P) lending applications in Pangkalpinang. Research methodology: This study uses a quantitative approach with multiple linear regression analysis, employing t- and F-tests to examine the effects of loan interest rates, loan flexibility, and risk perception on micro, small, and medium-sized enterprises’ (MSMEs’) intention to use peer-to-peer (P2P) lending in Pangkalpinang. The sample consists of 103 MSME owners selected through purposive sampling. Results: Loan interest rates, loan flexibility, and risk perception account for 23.1% of the variation in UMKM intention to use P2P lending applications in Pangkalpinang. Barriers include limited understanding, repayment concerns, and low digital literacy, whereas supporting factors include flexible loan options, competitive interest rates, and increasing awareness of digital financial services. Conclusions: Loan interest rates, loan flexibility, and risk perceptions together influence UMKM’s intention to use P2P lending applications. Limitations: This study is confined to one district with a small sample size, limiting its broader applicability. Contribution: This research provides empirical evidence on the impact of the loan interest rate, loan flexibility, and risk perception on UMKM’s intention to use P2P lending in Pangkalpinang, offering practical insights for policymakers and P2P providers to enhance strategies for UMKM adoption of digital financial services
Partisipasi Masyarakat Terhadap Kebersihan Lingkungan Di Rt 08, Rw 05 Pematang Gubernur,Kota Bengkulu Milanda, Exsel; Sari, Petlin Yupita; Oktapia, Rosa; Sundari, Oktavia; Hasanah, Mendalia; Yanto, Yanto; Haryono, Mimpira; Mujiono, Mujiono
Jurnal Dehasen Untuk Negeri Vol 5 No 2 (2026): April
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jdun.v5i2.10665

Abstract

Community participation is a key factor in maintaining cleanliness and environmental sustainability in residential areas. This research and Community Service Program (KKN) was conducted in RT 08, RW 05 Pematang Gubernur, Bengkulu City to describe the level of community participation in environmental cleanliness efforts, identify driving and inhibiting factors, and formulate recommendations to improve participation. The methods used included field observations, structured interviews with 40 residents, and discussions with RT/RW administrators. The results showed that the level of community participation was in the moderate category. The main driving factors were awareness of family health and support from community leaders, while inhibiting factors included limited supporting facilities and lack of awareness among some residents.
PENGARUH MEKANISME TATA KELOLA PERUSAHAAN TERHADAP RISIKO KREDIT (NPL) PADA BANK KONVENSIONAL DI INDONESIA Yanto, Yanto; Lestari, Henny Setyo; Leon, Farah Margaretha
Equilibrium : Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Vol 15, No 1 (2026): April
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/equili.v15i1.2783

Abstract

A B S T R A KBank, dalam menjalankan fungsi perantara melalui penyaluran Dana Pihak Ketiga, menghadapi risiko kredit yang tercermin dalam rasio NPL (Non-Performing Loan). NPL yang tinggi merupakan ancaman serius terhadap kesehatan perbankan. Keberadaan kredit perbankan menjadi instrumen penting dalam menjaga kesinambungan aktivitas ekonomi dan memperkuat struktur perekonomian nasional. Ekspansi penyaluran kredit perbankan yang terbatas berpengaruh pada peran optimal industri bank sebagai lembaga intermediasi. NPL menarik untuk diteliti terkait mekanisme tata kelola perusahaan, termasuk unsur struktur dewan dan pengaruh faktor-faktor makroekonomi. Penelitian ini bertujuan menganalisis pengaruh mekanisme tata kelola bank terhadap risiko kredit, yang diukur melalui NPL, pada bank konvensional di Indonesia. Data sekunder mencakup 41 bank konvensional selama lima tahun periode pengamatan, yakni 2020-2024, menghasilkan 205 observasi. Hasil penelitian menunjukkan bahwa tidak semua sisi struktur internal bank dan faktor-fakor makroekonomi berpengaruh terhadap risiko kredit berupa NPL. Board Size, Audit Independence, Diversification Opportunities, GDP Growth dan Interest Rate berpengaruh negatif signifikan terhadap NPL, sedangkan Provisions for Loan Losses berpengaruh positif signifikan terhapan NPL. Variabel lainnya, yakni Board Meeting, Board Independence, Audit Committee, Institutional Shareholdings, Bank Age, Bank Size, dan Unemployment Rate tidak berpengaruh signifikan terhadap NPL. A B S T R A C TBanks, in performing their intermediary role through Third-Party Funds, face credit risk, which is reflected in Non-Performing Loans (NPLs). High NPLs pose a serious threat to banking stability, while bank lending plays a crucial role in sustaining economic activity and strengthening the national economy. Limited expansion of bank credit can constrain the optimal function of banks as financial intermediaries. This study examines the effect of bank governance mechanisms on credit risk, measured by NPLs, in conventional banks in Indonesia. Secondary data were collected from 41 conventional banks over a five-year period (2020-2024), resulting in 205 observations. The results indicate that not all internal governance mechanisms and macroeconomic factors significantly influence NPLs. Board Size, Audit Independence, Diversification Opportunities, GDP Growth, and Interest Rate have a significant negative effect on NPLs, whereas Provisions for Loan Losses have a significant positive effect. Other variables, including Board Meetings, Board Independence, Audit Committee, Institutional Shareholdings, Bank Age, Bank Size, and Unemployment Rate, do not show significant effects. These findings suggest that only selected governance mechanisms and macroeconomic conditions effectively impact credit risk, highlighting the importance of targeted policies to manage NPLs in Indonesian banks.
Efektivitas Layanan Bimbingan Kelompok Menggunakan Media Short Movie Untuk Mereduksi Perilaku Bullying Di SMP N 7 Muaro Jambi Oktareza, Muhammad Alvian; Yanto, Yanto; Yaksa, Rully Andi
GUIDING WORLD (BIMBINGAN DAN KONSELING) Vol 9 No 1 (2026): Guiding World: Jurnal Bimbingan dan Konseling
Publisher : Program Studi Bimbingan dan Konseling

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33627/gw.v9i1.4334

Abstract

Penelitian ini menggunakan penelitian eksperimen semi dengan melakukan perlakuan one group pret-test and post-test design. Populasi penelitian ini adalah siswa kelas VIII E, G, H yang berjumlah 93 siswa, dan sampel penelitian ini berjumlah 9 siswa yang di ambil dengan teknik purposive sampling. Perilaku bullying sebelum diberikan perlakukan atau pre-test sebesar skor keseluruhan sebesar 609 dan rata-rata persentase perilaku bullying siswa mencapai 39% artinya memiliki tingkat tinggi atau dikatakan kualitas kurang baik, dan sesudah diberikan perlakukan atau post-test skor keseluruhan 1060 dan nilai persentase rata-rata yang diperoleh sebesar 67% berada pada tingkat rendah atau kualitas perilaku bullying siswa baik. Berdasarkan hasil perhitungan T-test yang diperoleh untuk T-hitung sebesar 23,030 dan T-tabel sebesar 1,833 artinya terdapat perbedaan sebelum dan sesudah diberikan tindakan. Kemudian diperoleh juga nilai sig 0,000<0,05, sehingga dapat disimpulkan bahwa layanan informasi menggunakan media short movie dapat digunakan untuk merediksi perilaku bullying siswa SMPN 7 Muaro Jambi.
The Influence of Democratic Parenting Style on Student Learning Outcomes at a Vocational High School Ramadhani, Helfa Sri; Yanto, Yanto; Kusaini, Utami Niki
Ghaidan: Jurnal Bimbingan Konseling Islam dan Kemasyarakatan Vol. 10 No. 1 (2026): Ghaidan: Jurnal Bimbingan Konseling Islam & Kemasyarakatan
Publisher : Fakultas Dakwah dan Komunikasi, UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/78bqe564

Abstract

This study is grounded in the important role of family, particularly democratic parenting characterized by open communication, warmth, and guided autonomy, in supporting students’ academic achievement. Differences in learning attitudes and behaviors among tenth-grade students during the transition from junior to vocational high school highlight the need to examine this relationship. This study aims to determine the influence of democratic parenting style on student learning outcomes in a state vocational high school. This research employed a quantitative, ex post facto design, involving a population of 699 students and a sample of 87 selected via simple random sampling. Data were collected using a Likert-scale questionnaire and analyzed using descriptive statistics, percentage analysis, normality and linearity tests, and simple linear regression. The results show that democratic parenting is in the high category (76.33%), while student learning outcomes are in the good category (70.09%). The correlation coefficient (R) of 0.631 and R Square of 0.398 indicate that democratic parenting contributes 39.8% to student learning outcomes, demonstrating a significant positive influence. It is recommended that future research expand the study by including additional variables that may affect learning outcomes.
Impact of Independent Commissioner Proportion and Leverage on Financial Performance of Indonesian Consumer Non-Cyclicals Yudiska, Sonia; Rosalina, Erita; Yanto, Yanto
Riset Akuntansi dan Bisnis Indonesia Vol 2 No 1 (2026): February
Publisher : LPPM STIE Krakatau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61401/rabi.v2i1.464

Abstract

Purpose: This study examines the effect of independent commissioner proportion and leverage on the financial performance of consumer non-cyclicals companies listed on the Indonesia Stock Exchange during 2020–2024. In this study, financial performance is measured using ROE. Methodology: This study employs a quantitative approach using secondary data from the annual financial reports of 20 companies selected through purposive sampling. Data analysis was performed using panel data regression techniques with EViews 12 software to examine the effects of the independent variables on financial performance. Results: The findings show that leverage has a negative and significant effect on ROE, indicated by prob (0.0001). Meanwhile, the percentage of independent commissioners has no significant relationship, as shown by prob (0.8454). Conclusions: This study concludes that leverage is an important factor affecting financial performance, while the proportion of independent commissioners has no significant influence on ROE. Limitations: This study is limited to consumer non-cyclicals companies listed on the IDX and only examines two independent variables during the 2020–2024 period. Contribution: This study provides empirical information about the factors influencing financial performance and contributes to the development of corporate governance and financial management literature in Indonesia.
Co-Authors Abda Abda Abdillah Abdillah Abi, Yudi Irawan Abrar, Mukhlas Ach. Baidowi Achmad Farid Dedyansyah Adam Malik Ade Hendini Adi Sutanto Afif, Humam Agung Rizki Putra Akhmad Habibi, Akhmad Alhidayatuddiniyah T.W. Ali, Raden Muhammad Alim, Abd. AlKahfie, Rafly Alpino, Shendi Putra Andriyani , Santi Anisa, Rici Anjjely, Sellina Dwi Ansyori, Ansyori Antonio Imanda, Antonio Antonius M.K. Naro Anwari, Moh. Apriani, Deri Aprilian, Rahil Imainul Ari Fauzi Hakim, Ari Fauzi Ariandi A Zulkarnain Arifki, Kayla Asfar Muniir, Asfar Asnawati Asnawati Atia, Nurul Azhar, Rajman Azhari, Nirman Aziz, Faruq Azmar, Azmar Badariatul Lailiah Bambang Purwanto Bashori, Abdul Hamid Bayu Pratama, Eri Bela, Melisa Prana Binti Zainuddin, Siti Afiqah Bustamin, Fitri Yanti Chandra Setiawan, Chandra Citra Aulia Uzliva Concesa, Maria Damsir, Damsir Daniati Uki Eka Saputri Daniel Happy Putra Dewi Permatasari, Dewi Dewi, Putri Afriyanti Dian Prihardini Wibawa Drajad Wibowo, DS Duwi Agustina Eka Herdit Juningsih Ekaningsih, Nuri Jannati Wahyu Endang , Anis Ephi Rusmina Erita Rosalina, Erita Ertika, Intan Erwanda, Setrian Fahlepi Roma Doni Fairusya, Nuha Ferdian Suprata Fisabilillah, Fahri Fitriano, Yun Formasi, Galang Reza Freddi Sarman Gata, Windu Geronimo, Ronalds Anjrelia Gito Sugiyanto Handi Brata Hartono, Rudi Haryono, Mimpira Hasanah, Mendalia Hasriani Hasriani, Hasriani Hendra, Robi Herlina Herlina Herta Novianto Holis, Holis Hotimah, Nur Hutagalung, Manahan Ifan Rifani Ihsan, Muhammad Ihsan Ikhtiarudin Ikko Bagus Ismanto Imma Fretisari Indria, Indria Irawan, Taufik Irmawati Irmawati Ivon, Fransiska Nona Jahda, Amila Tarina Jalaluddin, Moh. Jannah, S. Fatiyathul Jayanti, Jetri Putri Jefriansyah, Moehammad Jevani Alanti, *Elisabeth Jorgi, Bayu Josi, Ahmad Juanda Astarani Judijanto, Loso Juhairiyah Juhairiyah Karona Cahya Susena Karti, Karti Kartikasari, Evi Dwi Kristiyono, Santo Kusaini, Utami Niki Kustiawan, Elyas Lady Agustin Fitriana Lamdo, Herfandi Leon, Farah Margaretha Lestari, Henny Setyo Lestari, Zahkya Lia, Nurlia Liken, Enjli Lia LINDA FUJIYANTI Lozi, Pasral Lupita, Rena M. Irfani Hendri M. K. Naro, Antonius Maarif, Muhamad Rifqi Mahmudi, Aviv Martha Heriniazwi Dianthi Maryaningsih, Maryaningsih Maskur Maskur Mayaputri, Velmi Milanda, Exsel Moh. Rizal, Moh. Muazza Muazza Muhammad Muhammad Ferdiansyah, Muhammad Muhammad Haris Effendi Hasibuan Muhammad Qomaruddin Ridwan Muhammad Sony Maulana Muhammad Syawaluddin, Muhammad MUHAMMAD ZULFIKAR Muhammad Zulfikar Muhsin Muhsin Mujiono Mujiono Mukhlash Abrar Mukhsinuddin Mulyani, Astriana Mulyani, Fransisca Cindy Murwani, Anis Endang Sri Nanang Wahyudin Narlena, Iis Naro, Antonius M. K. Nasa, Rikardus Neri Susanti Nisa, Indah Hafidhotun Noor Azizah Novita, Meta Novrianto, Ferri Nugraha, Ranu Agastya Nur Ahmad Ricky Rudianto Nurulsabila, Diniyah Octamadian, Salza Leza Octaviani, Vety OKTA MAHENDRA, OKTA Oktapia, Rosa Oktareza, Muhammad Alvian Oktariani, Sri Onny Priskila Pardela, Peko Andri Partiwi, Marsa Hijro Pertiwi, Ligwina Dita Pranata, Hendra Pranata, Sony Pranciskus, Tupputua Pratama, Abel Abdi Putra Putra, Meriansyah Dwi Putri, Belynda Salsa Putri, Fyni Afrilyani Putri, Yuni Herlina Rachman, Nur Hadiyazid Rachmat Sahputra Rachmawati Rachmawati Rahardjo, Cahaya Jasmine Rahil Imainul Aprilian Rahma Dona Ramadhani, Helfa Sri Rezki, Muhammad Ridho, M.Rasit Rimbawan, Teguh Rinaldi, Mikral Rindiani, Rindiani Risdiansyah, Deni Risdiyanto , Bayu Risdiyanto, Bayu Rizal, A. Rodhiyah, Ma’rufatur Rofiki, Rofiki Rofiqi, Rofiqi Ronansyah, Muhamad Fajar Rully Andi Yaksa Rulyanti Susi Wardhani Rusandi, Refky Yudishtira S, M Afdal Sabariah Sabariah Salsabila, Syafira Sangraini, Eka Hilda Saparman, Saparman Sapta Sari Saputra, Harius Eko Sari , Sapta Sari, Petlin Yupita Septa, Anggela Dwi Silman, Fardho Burenza Siregar, Muhammad Iqbal Harapan Muslim Siti Aliyah Siti Maghfiroh Sitorus, Kevin Salomo Sri Narti, Sri Suhendra, Marwan Sukamad, Sukamad Sukasih, Asih Sulistiyo, Urip Sunandar, Dadan Sundari, Oktavia Supatmi, Any Faridatus Supriaman Supriaman Surbakti, Feliks Prasepta Sejahtera Syaputra, Dery Syaputra, Erpan Tien, Asliana Ulfa Ulfa Utami, Merdiana Putri Vebtasvili Vebtasvili Vethy Octaviani Wahju, Marsellinus Bachtiar Wahyuni, Melisa Wahyutama Fitri Hidayat Wardana, Ovi Rizki Wenni Anggita, Wenni Wibawa Prasetya Wijiharjono, Nuryadi Wirawan, Nugroho Budi yani lestari Yudishtira Rusandi, Refky Yudiska, Sonia Yusuarsono, Yusuarsono Zulkarnain, Ariandi