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All Journal Pendas : Jurnah Ilmiah Pendidikan Dasar International Journal of Economics, Management and Accounting
Muhammad Fahmi Hidayat
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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The Influence of Credit Interest Rates and Third Party Funds on Credit Distribution at PT B PR BKK Banjarharjo, Brebes Regency Muhammad Fahmi Hidayat; Nasiruddin Nasiruddin; Dumadi Dumadi; Anisa Sains Kharisma; Roni Roni
International Journal of Economics, Management and Accounting Vol. 3 No. 1 (2026): International Journal of Economics, Management and Accounting
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijema.v3i1.970

Abstract

This study examines the influence of credit interest rates and third-party funds on the credit distribution of PT BPR BKK Banjarharjo, Brebes Regency, using a quantitative approach based on secondary data from monthly financial reports between 2020 and 2024, amounting to 60 observations. The results show that, partially, credit interest rates exert a negative and significant effect on credit distribution, while third-party funds demonstrate a positive and significant impact. Simultaneous testing further confirms that both variables collectively have a significant influence on credit distribution. These findings emphasize the importance of banking institutions in carrying out their intermediation function effectively, where the ability to maintain competitive credit interest rates and strengthen public fund mobilization becomes a strategic necessity to improve credit growth and financial stability. Moreover, the study highlights the role of micro-banking as a foundation for regional economic development, particularly in rural areas where local banks serve as drivers of community empowerment and sustainable economic activity. By reinforcing prudent management of interest rates and optimizing fund collection, banks can ensure not only improved financial performance but also the expansion of credit access for micro, small, and medium enterprises. The outcomes of this research are expected to provide practical contributions to policymakers in the banking sector, enrich scientific literature in financial management, and serve as a relevant reference for subsequent studies focusing on credit distribution, financial intermediation, and the development of microfinance institutions.
IMPLEMENTASI KOMPETENSI PEDAGOGIK DAN PROFESIONAL CALON GURU DALAM MENDUKUNG PEMBELAJARAN INOVATIF DI SEKOLAH MENENGAH KEJURUAN DI SMK TV WATAMPONE Annisa Febrianti; Syarif Nur; Juliana; Syakira; Divia Andrayani; Muthia Nabila; Kurniawan; Safril; Anisa; Shelfi Dewiyanti; Yusvia; Muh. Syahril; Muhammad Fahmi Hidayat; Nurul Fadilah; Fadil; Sas Fahmi
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 Nomor 02, Juni 2026 Public
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.50109

Abstract

This study aims to describe the implementation of pedagogical and professional competencies of prospective teachers in supporting innovative learning at SMK TV Watampone. Pedagogical and professional competencies are important aspects that must be possessed by prospective teachers in order to create effective, creative, and appropriate learning processes according to the needs of vocational high school students. This study employed a qualitative approach using a descriptive method. Data collection techniques were carried out through observation, interviews, and documentation. The results of the study indicate that prospective teachers were able to implement pedagogical competencies through lesson planning, the use of innovative learning methods and media, and interactive classroom management. In addition, professional competence was demonstrated through mastery of learning materials, the utilization of technology in the teaching and learning process, and the ability to adapt learning to the characteristics of vocational school students. The implementation of these two competencies had a positive impact on increasing students’ learning motivation, participation, and the quality of classroom learning. Therefore, pedagogical and professional competencies of prospective teachers play an important role in supporting innovative learning in vocational high schools.
Co-Authors Anisa Anisa Sains Kharisma Annisa Febrianti Dhias Fajar Widya Permana Divia Andrayani Dumadi, Dumadi Fadil Juliana Kurniawan Muh. Syahril Muthia Nabila Nasiruddin Nasiruddin Nurul Fadilah Roni Roni Safril Sas Fahmi Shelfi Dewiyanti Syakira Syarif Nur Yusvia