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All Journal jurnal ilmiah hospitality ARMADA : Jurnal Penelitian Multidisiplin
Sri Ayu Febrianti
STIE 45 Mataram
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Penilaian Kinerja Koperasi Simpan Pinjam Ditinjau Dari Laporan Keuangan (Studi Pada KSP Karya Bakti) Sri Ayu Febrianti; I Gusti Ayu Oka Netrawati
Jurnal Ilmiah Hospitality Vol 11 No 2: Desember 2022 (in Press)
Publisher : Sekolah Tinggi Pariwisata Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47492/jih.v11i2.2025

Abstract

This study aims to determine the performance of the Karya Bakti Savings and Loans Cooperative in the period 2019-2021 by analyzing the cooperative's financial statements through a three ratio approach, namely the liquidity ratio (current ratio), solvency ratio (Debt to Total Equity Ratio (DER), Debt to Total Assets Ratio), and profitability ratios (Return on Assets, Return on Equity, Net Profit Margin). The type of research used is quantitative description. The object used in this study is the financial statements for the period 2019-2021. The data analysis method used is quantitative method. he results showed that the performance of the Karya Bakti Savings and Loans Cooperative was in a good category with details, namely, first, based on the results of the liquidity ratio analysis, it showed that the Karya Bakti Savings and Loan Cooperative had very poor criteria with an average value of 1162.28%. econd, the results of the solvency ratio analysis based on the DER value show that the Karya Bakti Savings and Loans Cooperative has very good criteria with an average value of 8.81% and when viewed from the DAR value it has an average value of 8.61%. Third, the results of the profitability ratio analysis based on the ROA value indicate that the Karya Bakti Savings and Loans Cooperative has good criteria with an average value of 7.44%, the ROE value indicates that the cooperative is classified as poor with an average value of 7.62% and the performance of the Savings Cooperative Loans of Work Bakti seen based on NPM are classified as very good with an average value of 64.22%. Thus it can be concluded that overall the Karya Bakti Savings and Loans Cooperative has a good performance and effectively and efficiently can be said to be very good in the use of cooperative capital and it is hoped that the cooperative management can maintain its financial management.
Family Education As A Strategic Basis For The Formation Of Socio-Cultural Character of The Young Generation in The Era of Modern Social Change Sri Ayu Febrianti; Runi Fazalani
ARMADA : Jurnal Penelitian Multidisiplin Vol. 4 No. 2 (2026): ARMADA : Jurnal Penelitian Multidisplin, Febuary 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/armada.v4i2.1856

Abstract

Family education  has  a  very  important  role  in  shaping  the  socio-cultural character of individuals from an early age. The family is the first and foremost educational environment that provides the basis for values, norms, and patterns of social behavior that will affect the life of individuals in the future. This article aims to examine the role of family education as the basis for the formation of socio-cultural character and the challenges faced in the context of social change in modern society. This research uses a qualitative approach with a literature study method on various scientific sources in the form of relevant books and journal articles. The results of the study show that family education plays a strategic role in instilling social values such as responsibility, tolerance, discipline, and social concern, as well as cultural values related to local identity and wisdom. However, the development of globalization and digital technology poses new challenges in the family education process. Therefore, it is necessary to strengthen the role of the family so that it can remain the main foundation in the formation of the socio-cultural character of the younger generation.
Co-Authors I Gusti Ayu Oka Netrawati Runi Fazalani