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All Journal Jurnal Cakrawala Ilmiah KREATIF: Jurnal Pengabdian Masyarakat Nusantara
Maria Safitri
Economics And Business Faculty, University Of Dian Nuswantoro, Semarang, Indonesia
Humanities Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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THE ROLE OF INTEREST RATES ON THE EFFECT OF NON-PERFORMING LOANS AND CAPITAL ADEQUACY RATIOS ON BANKING PROFITABILITY (CASE STUDY ON CONVENTIONAL COMMERCIAL BANKS LISTED ON THE INDONESIA STOCK EXCHANGE 2016-2020) Maria Safitri; Vicky Oktavia
Jurnal Cakrawala Ilmiah Vol. 1 No. 7: Maret 2022
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (351.21 KB) | DOI: 10.53625/jcijurnalcakrawalailmiah.v1i7.1801

Abstract

The purpose of this study was to determine the effect of Non Performing Loans (NPL), Capital Adequacy Ratio (CAR) on Profitability (ROA) moderated by Interest Rates (RATE). The population of the data taken in this study were 41 conventional commercial banks. Based on the purposive sampling technique, 190 data samples were obtained from 38 conventional commercial banks listed on the IDX from 2016 to 2020. This study used path analysis with the Warp PLS 7.0 application. The results of this study prove that NPL has a negative and significant effect on ROA, CAR has a positive and significant effect on ROA, interest rates are able to moderate the effect of NPL on ROA of conventional commercial banks as evidenced by the coefficient value of -0.272 with p-value <0.001. However, interest rates are not able to moderate the effect of CAR on ROA of conventional commercial banks.
Upaya Revitalisasi Wisata Alam Curug Gondoriyo Melalui Peningkatan Kompetensi Dan Motivasi Berbasis Komunitas Vicky Oktavia; Almira Santi Samasta; Maria Safitri
KREATIF: Jurnal Pengabdian Masyarakat Nusantara Vol. 5 No. 2 (2025): Jurnal Pengabdian Masyarakat Nusantara
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/kreatif.v5i2.6470

Abstract

This study aims to examine the development of community-based tourism in Curug Gondoriyo, Semarang. A SWOT analysis is employed to identify the strengths, weaknesses, opportunities, and threats of the destination. Curug Gondoriyo possesses significant ecotourism potential, supported by its pristine natural environment and the active involvement of the local community in its management. Since the onset of the Covid-19 pandemic, Curug Gondoriyo has experienced a drastic decline in tourist visits, posing challenges to development efforts, sustainable management, and community regeneration. Based on the SWOT analysis, the formulated strategy involves adopting a collaborative cross-sectoral approach to enhance the competence and motivation of managers, strengthening promotion through digital tourism management training, and revitalizing the spirit of mutual cooperation to improve physical facilities, accessibility, and supporting infrastructure. These strategies serve as key drivers for fostering positive socio-economic impacts while preserving environmental sustainability. The implication of this study is the development of an adaptive, innovative, and sustainable community-based ecotourism model with the potential to improve the welfare of the local community by ensuring the conservation of natural and cultural resources..
Co-Authors Almira Santi Samasta Vicky Oktavia