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BANK PROFITABILITY: THE IMPACT OF THIRD-PARTY FUNDS AND CAPITAL ADEQUACY WITH CREDIT DISTRIBUTION AS A MODERATING VARIABLE Hasan, Waode Adriani; Harwinda, Sri; Sariana, Sariana
Jurnal Multidisipliner Bharasumba Vol 5 No 01 (2026): BHARASUMBA: Jurnal Multidisipliner
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/bharasumba.v5i01.2192

This study aims to analyse the effect of third-party funds and capital adequacy on profitability, with credit distribution as a moderating variable in banking companies. This study uses a sample of financial reports from 35 companies in the banking sub-sector listed on the Indonesia Stock Exchange from 2021 to 2023. The research data was processed using multiple linear regression analysis and Moderate Regression Analysis (MRA). The results showed that the variables of third-party funds and capital adequacy had an effect on profitability, while the variable of credit distribution had no effect on profitability. The MRA test results show that the credit distribution variable cannot moderate the relationship between the third-party funds and capital adequacy variables on profitability.

Utilizing Artificial Intelligence to Strengthen Humanitarian Digital Media at BSMI Maros Regency: Pemanfaatan Artificial Intelligence untuk Penguatan Media Digital Kemanusiaan BSMI Kabupaten Maros Yusuf, Raidah Intizar; Sariana, Sariana; Basri, Basri
Room of Civil Society Development Vol. 5 No. 1 (2026): Room of Civil Society Development
Publisher : Lembaga Riset dan Inovasi Masyarakat Madani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59110/rcsd.817

Limited media exposure remains a key challenge for humanitarian organizations in strengthening accountability and public trust. This community service program aimed to enhance the communication and publicity capacity of the Indonesian Red Crescent (BSMI) Maros Regency using artificial intelligence (AI) in digital media management. The novelty of this program lies in integrating AI as a strategic communication tool for humanitarian organizations, rather than merely providing general digital training, by supporting content planning, search engine optimization, and context-based publication management. The program was implemented through training and mentoring activities that combined lectures, discussions, hands-on practice, and the use of a workbook as a reflective learning instrument. The results indicate an improvement in volunteers’ understanding and skills in managing digital media more strategically, as reflected in learning evaluation outcomes and the continuity of post-training practices, including the formation of digital volunteer teams and active involvement in humanitarian content publication. Practically, this program contributes to the development of a contextual volunteer empowerment model based on digital literacy and artificial intelligence. This model has the potential to be replicated by other humanitarian organizations to strengthen accountability, enhance public trust, and support the sustainability of humanitarian initiatives in the digital communication era.

Pengaruh Desain Produk dan Harga Terhadap Peningkatan Omset Penjual Baju Jersey Di PT Pandora KreatifNusantara Kota Makassar Ramdhan, Fahreza Rezky Ramdhan; sariana, sariana
Innovation For Quality Business Admin And Technology (INQUBATE) Vol. 2 No. 2 (2026): Februari 2026
Publisher : Prodi Ilmu Administrasi Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55638/ebqw6188

Penelitian ini bertujuan untuk (1) Mengetahui desain produk berpengaruh terhadap peningkatan omset penjualan baju Jersey di PT. Pandora Kreatif Nusantara Kota Makassar (2) Mengetahui harga berpengaruh terhadap peningkatan omset penjualan di PT. Pandora Kreatif Nusantara Kota Makassar (3) Mengetahui desain produk dan harga produk berpengaruh terhadap peningkatan omset penjualan di PT. Pandora Kreatif Nusantara Kota Makassar (4) Mengetahui sumbangan pengaruh desain produk dan harga produk terhadap peningkatan omset penjualan di PT. Pandora Kreatif Nusantara Kota Makassar. Jenis penelitian yang digunakan dalam penelitian ini adalah kuantitatif. Sampel pada penelitian ini berjumlah 75 responden. Teknik pengumpulan data berupa observasi, kuesioner dan dokumentasi. Metode analisis data yang digunakan adalah analisis regresi berganda. Hasil penelitian ini menunjukkan bahwa : (1) Desain produk tidak berpengaruh signifikan terhadap terhadap peningkatan penjualan hal ini didukung oleh nilai t hitung 0,609 < 1,993 t tabel (2) Harga berpangaruh signifikan terhadap peningkatan penjualan hal ini didukung oleh nilai t hitung 3,561 > 1,993 t tabel (3) Desain produk dan harga berpangaruh secara bersama-sama dan signifikan terhadap peningkatan penjualan hal ini menunjukkan nilai f hitung 6,715 > 3,122 (4) R2 menunjukkan bahwa kemampuan model yang terdiri dari desain produk dan harga dalam menjelaskan variasi peningkatan penjualan adalah sebesar 15,7%, sementara sisanya sebesar 84,3% dipengaruhi oleh faktor lain yang tidak diteliti dalam penelitian ini, seperti kualitas layanan, promosi, distribusi, dan merek.

Utilizing Artificial Intelligence to Strengthen Humanitarian Digital Media at BSMI Maros Regency: Pemanfaatan Artificial Intelligence untuk Penguatan Media Digital Kemanusiaan BSMI Kabupaten Maros Yusuf, Raidah Intizar; Sariana, Sariana; Basri, Basri
Room of Civil Society Development Vol. 5 No. 1 (2026): Room of Civil Society Development
Publisher : Lembaga Riset dan Inovasi Masyarakat Madani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59110/rcsd.817

Limited media exposure remains a key challenge for humanitarian organizations in strengthening accountability and public trust. This community service program aimed to enhance the communication and publicity capacity of the Indonesian Red Crescent (BSMI) Maros Regency using artificial intelligence (AI) in digital media management. The novelty of this program lies in integrating AI as a strategic communication tool for humanitarian organizations, rather than merely providing general digital training, by supporting content planning, search engine optimization, and context-based publication management. The program was implemented through training and mentoring activities that combined lectures, discussions, hands-on practice, and the use of a workbook as a reflective learning instrument. The results indicate an improvement in volunteers’ understanding and skills in managing digital media more strategically, as reflected in learning evaluation outcomes and the continuity of post-training practices, including the formation of digital volunteer teams and active involvement in humanitarian content publication. Practically, this program contributes to the development of a contextual volunteer empowerment model based on digital literacy and artificial intelligence. This model has the potential to be replicated by other humanitarian organizations to strengthen accountability, enhance public trust, and support the sustainability of humanitarian initiatives in the digital communication era.

Pemberdayaan Masyarakat Desa Lompo Tengah Kabupaten Barru melalui Budidaya Kangkung Cabut dan Kacang Panjang Berbasis Teknologi Sprinkler dan Aplikasi Hidroponik Syam, Nurkumalasari; Malik, Sahruddin; Sariana, Sariana; Surannisa, Widya
Journal Social Engagement: Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 2 (2026): Januari 2026
Publisher : akultas Ilmu Sosial dan Ilmu Politik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55638/jsepkm.v2i2.486

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk memberdayakan masyarakat Desa Lompo tengah, Kabupaten Barru, melalui penerapan budidaya kangkung cabut dan kacang panjang berbasis teknologi sprinkler dan aplikasi hidroponik. Permasalahan utama yang dihadapi masyarakat adalah keterbatasan pengetahuan tentang teknik budidaya yang efisien, sistem penyiraman yang tepat, serta pemanfaatan teknologi digital dalam pemantauan pertumbuhan tanaman. Metode pelaksanaan kegiatan meliputi penyuluhan, pelatihan budidaya tanaman, pembuatan dan penerapan alat penyiraman sprinkler, serta pengenalan dan pendampingan penggunaan aplikasi hidroponik untuk memantau perkembangan tanaman dan menganalisis gangguan yang terjadi. Hasil kegiatan menunjukkan adanya peningkatan pengetahuan dan keterampilan masyarakat dalam melakukan budidaya sayuran secara lebih efektif dan efisien. Teknologi sprinkler membantu meningkatkan efisiensi penyiraman, sedangkan aplikasi hidroponik mempermudah masyarakat dalam memantau kondisi tanaman dan mengidentifikasi gangguan secara dini. Kegiatan ini memberikan kontribusi positif dalam mendukung pertanian berbasis teknologi serta meningkatkan kemandirian dan produktivitas masyarakat desa.

Pengaruh Tinggi Gelombang Terhadap Refraksi Gelombang di Pulau Gusung, Kota Makassar Sariana, Sariana; Kasmawati, Kasmawati; Imran, Hamzah Al
Journal of Muhammadiyah’s Application Technology Vol. 5 No. 1 (2026)
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/8mms4f73

ABSTRAK: Pulau Gusung di Kota Makassar merupakan pulau kecil yang langsung berhadapan dengan laut terbuka sehingga sangat dipengaruhi oleh dinamika gelombang. Salah satu proses transformasi gelombang yang berperan penting di wilayah ini adalah refraksi gelombang, yang dipengaruhi oleh perubahan kedalaman dan tinggi gelombang datang. Penelitian ini bertujuan menganalisis pengaruh tinggi gelombang terhadap refraksi gelombang di sekitar Pulau Gusung. Pendekatan yang digunakan adalah kuantitatif dengan memanfaatkan data sekunder berupa data tinggi gelombang, angin, dan parameter gelombang dari BMKG periode 2019–2023. Analisis dilakukan melalui perhitungan karakteristik gelombang dan koefisien refraksi berdasarkan teori transformasi gelombang di perairan dangkal. Hasil penelitian menunjukkan bahwa peningkatan tinggi gelombang di laut lepas berpengaruh terhadap perubahan nilai koefisien refraksi, yang selanjutnya memengaruhi distribusi energi gelombang di sekitar pulau. Kondisi ini berimplikasi pada potensi abrasi dan pengendapan di zona pesisir tertentu. Temuan ini diharapkan dapat menjadi dasar pertimbangan dalam pengelolaan wilayah pesisir Pulau Gusung. KATA KUNCI Tinggi Gelombang, Refraksi Gelombang, Pulau Gusung, transformasi gelombang ABSTRACT: Gusung Island, located in Makassar City, is a small island directly exposed to open-sea conditions and therefore strongly influenced by wave dynamics. One of the important wave transformation processes in this area is wave refraction, which is affected by seabed topography and incoming wave height. This study aims to analyze the effect of wave height on wave refraction around Gusung Island. A quantitative approach was applied using secondary data consisting of wave height, wind, and wave parameters obtained from BMKG for the period 2019–2023. The analysis was conducted by calculating wave characteristics and refraction coefficients based on wave transformation theory in shallow waters. The results indicate that increasing offshore wave height influences changes in the refraction coefficient, which in turn affects the distribution of wave energy around the island. These conditions have implications for abrasion and sedimentation potential in certain coastal zones. The findings are expected to serve as a reference for coastal management and planning in the Gusung Island area. Keywords: Wave Height, Wave Refraction, Gusung Island, Wave Transformation

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