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All Journal JURNAL PERSPEKTIF PENDIDIKAN Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi
Umi Solehah
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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PENGEMBANGAN BAHAN AJAR BERBENTUK BUKU CERITA BERGAMBAR BERBASIS SAINTIFIK PADA MATA PELAJARAN FISIKA KELAS XI IPA SMA NEGERI MEGANG SAKTI Umi Solehah; Ahmad Amin; Endang Lovisia
Jurnal Perspektif Pendidikan Vol 17 No 1 (2023): Jurnal Perspektif Pendidikan Vol 17 No 1 Juni 2023
Publisher : LP4MK STKIP PGRI Lubuklinggau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31540/jpp.v17i1.2215

Abstract

This study aims to develop teaching materials in the form of scientific-based picture story books in physics subjects before being used. This research uses development research based on the 4D model (Define, Design, Develop, and Disseminate). At the development stage (Develop). The validation assessment was carried out by media experts, material experts and language experts. The validation results of media experts scored 40 in the very good category, material experts scored 50 and linguists scored 27. So it can be concluded that the development of teaching materials in the form of picture story books based on scientific physics for class XI IPA students at SMA Negeri Megang Sakti is very good from aspects of media, material and discussion reach valid criteria.
Analisis Manajemen Risiko Tingkat Suku Bunga pada UMKM Pengguna Kredit Usaha Rakyat (KUR): (Studi Pada Depot Air Minum Kari Water Kecamatan Kulim Kota Pekanbaru) Umi Solehah; Emi Vita Lina; Sri Cahyani; Oktaviana Sari
Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi Vol. 3 No. 3 (2025): September : Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anggaran.v3i3.1742

Abstract

This study aims to analyze interest rate risk management in Micro, Small, and Medium Enterprises (MSMEs) that use People's Business Credit (KUR) facilities, with a case study at the Kari Water Drinking Water Depot in Kulim District, Pekanbaru City. Fluctuations in interest rates are one of the financial risks that can affect the continuity of MSME businesses, especially in terms of the ability to pay credit obligations. This study uses a descriptive qualitative approach with data collection techniques through interviews, observations, and documentation. The results of the study indicate that the Kari Water Depot faces financial risks due to interest rate fluctuations, operational risks related to water distribution and quality, and legal risks due to drinking water quality regulations. The application of risk management based on ISO 31000 has been proven to help in the process of systematic risk identification, analysis, and mitigation. The mitigation strategy through investment in Reverse Osmosis (RO) technology is considered effective because it can improve product quality and operational efficiency. However, the success of this strategy is greatly influenced by the readiness of human resources, access to financing, and mature risk planning. This study recommends the importance of risk management training for MSMEs and policy support in the form of access to affordable funding and environmentally friendly technology to improve the competitiveness and sustainability of MSMEs amidst economic dynamics.
Co-Authors AHMAD AMIN Emi Vita Lina Endang Lovisia Oktaviana Sari Sri Cahyani