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All Journal Business, Economics and Entrepreneurship Jurnal Pengabdian kepada Masyarakat
Wiwi Handayani
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Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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FAKTOR-FAKTOR YANG MEMPENGARUHI RISIKO KREDIT PADA SEKTOR PERBANKAN YANG TERDAFTAR DI BEI Wiwi Handayani; Henny Setyo Lestari
Business, Economics dan Entrepreneurship Vol 4 No 2 (2022): Business, Economics and Entrepreneurship
Publisher : Institut Shanti Bhuana, Program Studi Kewirausahaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46229/b.e.e..v4i2.464

Abstract

This study aims to analyze the internal and external factors of banking on non-performing loans. This study uses independent variables, namely bank size, capital adequacy ratio, bank performance, loan growth, bank inefficiency, ownership concentration, diversification, GDP growth, inflation and unemployment with the dependent variable being non-performing loans. The sample used was 35 banks listed on the Indonesia Stock Exchange for the 2016-2020 period. The analytical method used is multiple regression panel data analysis. The results show that bank size, bank capitalization, bank performance, ownership concentration, gross domestic product growth, inflation, and unemployment have a significant effect on Non Performing Loans. The results are expected to be a reference for managers and investors in looking at the factors that will affect the level of bank credit risk.
MODEL PEMBERDAYAAN BERBASIS TEKNOLOGI TEPAT GUNA MESIN PEMIPIL CENGKEH DALAM MEWUJUDKAN KETAHANAN EKONOMI DAN KESEJAHTERAAN SOSIAL MASYARAKAT DESA PUNCAK Sultan, Sultan; Maliq Almadani; Sri Aisyah; Astuti Umar; Adrianto, Adrianto; Alief Dizatul; Amiriddin, Amiriddin; Hijrah, Hijrah; Muh Alamsyah; Muh Syahrul; Nurul Yakin; Wiwi Handayani
J-ABDI: Jurnal Pengabdian kepada Masyarakat Vol. 5 No. 9 (2026): Februari 2026
Publisher : Bajang Institute

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Abstract

Inefisiensi pemipilan manual cengkeh menurunkan kualitas dan kesejahteraan petani skala kecil di Indonesia, termasuk di Desa Puncak, Sinjai. Program pengabdian ini bertujuan untuk: (1) mengembangkan prototipe mesin pemipil partisipatif, (2) meningkatkan kapasitas teknis petani, dan (3) menganalisis dampak awal terhadap efisiensi dan persepsi. Mengadopsi metode Community-Based Participatory Research (CBPR) dan Technology Acceptance Model (TAM), kegiatan mencakup asesmen kebutuhan, co-design, pelatihan, dan evaluasi. Hasilnya, berhasil dikembangkan mesin berkapasitas 50 kg/jam dengan efisiensi 94%. Pelatihan melibatkan 15 petani dengan peningkatan pengetahuan teknis 87% (p<0.01). Waktu pemipilan berkurang drastis dari 7,8 jam menjadi 1,2 jam per karung. Analisis TAM menunjukkan skor perceived usefulness 4,5 dan perceived ease of use 4,2 (skala 5). Simpulannya, integrasi desain partisipatif dan pelatihan efektif meningkatkan efisiensi dan adopsi teknologi. Keberlanjutan memerlukan model kelembagaan dan dukungan kebijakan desa yang jelas.
Co-Authors Adrianto, Adrianto Alief Dizatul Amiriddin, Amiriddin Astuti Umar Hijrah Hijrah Lestari, Henny Setyo Maliq Almadani Muh Alamsyah Muh Syahrul Nurul Yakin Sri Aisyah Sultan Sultan