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All Journal International Journal of Public Health Science (IJPHS) Equilibrium
Ratna Setyawati Gunawan
Jenderal Soedirman University
Economics, Econometrics & Finance Health Professions

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PERANAN KREDIT PERBANKAN DALAM PENGEMBANGAN UMKM LOGAM Diah Setyorini Gunawan; Abdul Aziz Ahmad; Ratna Setyawati Gunawan; Oke Setiarso
Equilibrium: Jurnal Penelitian Pendidikan dan Ekonomi Vol 19, No 02 (2022): Equilibrium: Jurnal penelitian Pendidikan dan Ekonomi
Publisher : Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/equi.v19i02.5870

Abstract

AbstrakUMKM merupakan sektor yang mampu memperluas lapangan kerja dan meningkatkan pertumbuhan ekonomi tetapi masih menghadapi kendala dalam mengakses kredit perbankan. Penelitian ini bertujuan menganalisis perbedaan kinerja pengrajin logam yang menerima kredit perbankan, sebelum dan sesudah menerima kredit perbankan. Kinerja pengrajin logam dilihat dari tingkat pendapatan bersih. Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian kuantitatif. Penelitian ini menggunakan data primer. Data primer diperoleh dari hasil wawancara langsung dengan 16 pengrajin logam di Desa Pasir Wetan Kecamatan Karanglewas Kabupaten Banyumas yang mendapatkan kredit perbankan. Metode analisis yang digunakan dalam penelitian ini adalah analisis uji perbedaan. Dalam penelitian ini digunakan  Uji Wilcoxon. Hasil penelitian menunjukkan bahwa terdapat perbedaan kinerja yang signifikan antara sebelum dan sesudah menerima kredit perbankan. Keberadaan kredit perbankan memberikan manfaat bagi pengembangan UMKM logam di Desa Pasir Wetan Kecamatan Karanglewas Kabupaten Banyumas, dimana kinerja pengrajin logam mengalami peningkatan. Kredit perbankan diperlukan oleh pengrajin logam di Desa Pasir Wetan untuk mengatasi masalah keterbatasan modal yang dimiliki dalam upaya pengembangan usaha pengolahan logam. Langkah-langkah yang dapat dilakukan oleh pemerintah terkait upaya meningkatkan akses UMKM terhadap modal adalah dengan memberikan insentif-insentif dan mendesain ulang berbagai program kredit yang telah ada.Kata kunci: UMKM; Kinerja; Kredit Bank; Strategi Pengembangan UMKM AbstractMSME is a sector that is able to expand employment opprtunities and increase economic growth but still faces obstacles in accessing bank credit. This research aimed to analyze the performance difference of metal craftsmen receiving bank credit, before and after receiving bank credit. The performance of metal craftsmen can be seen from net income level. The research method used in this study was a quantitative research method. This research used primary data. Primary data was obtained from direct interview with     16 metal craftsmen who receive bank credit in Pasir Wetan Village Karanglewas Sub-District Banyumas Regency who receive bank credit. The analysis method used in this research was statistical differences testing. In this study, the Wilcoxon Test was used. The result indicated that there was a significant difference before and after receiving bank credit. The existence of bank credit provided benefits for the development of MSME metal in Pasir Wetan Village, Karanglewas Sub-District, Banyumas Regency, in which the performance of metal craftsmen has increased. Bank credit was required by metal craftsmen in Pasir Wetan Village to overcome the problem of limited capital in developing the metal processing business. The measures that can be taken by the government related to efforts to improve MSME access to capital are to provide incentives and redesign existing credit programs.Keywords: MSMEs; Performance; Bank Credit; MSMEs Development Strategy
Interregional stunting prevalence determinants from a regional perspective in Indonesia: multivariate and spatial analysis approaches Kikin Windhani; Fajar Hardoyono; Ratna Setyawati Gunawan; Dicky Satria Ramadhan; Anzar Alfat Firdaus
International Journal of Public Health Science (IJPHS) Vol 15, No 2: June 2026
Publisher : Intelektual Pustaka Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/ijphs.v15i2.26883

Abstract

Stunting continues to be a significant public health issue globally, impacting millions of children and hindering long-term human capital development. Prior studies on stunting have predominantly focused on individual factors, neglecting the influence of regional characteristics. The majority of analyses depend on global regression models that presume consistent correlations across areas inclined to using many variables. This research applied Geographically Weighted Spatial Regression to analyze stunting risk factors across 514 districts in Indonesia. By identifying spatially variable determinants, this study supports more targeted and effective stunting reduction strategies. The research results using geographic information systems (GIS) and multivariate analysis show that stunting is highest in eastern Indonesia, where poor sanitation is the dominant factor causing stunting. The policy implemented by the local government is to enhance collaboration with various parties, including academics, government, private sector, and communities, in addressing stunting.
Co-Authors Abdul Aziz Ahmad Anzar Alfat Firdaus Diah Setyorini Gunawan Dicky Satria Ramadhan Fajar Hardoyono Kikin Windhani Oke Setiarso