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All Journal Jurnal Ilmu Manajemen Jurnal Ekonomika JAST : Jurnal Aplikasi Sains dan Teknologi Jurnal Ilmiah Ekonomi Global Masa Kini Ecces: Economics, Social, and Development Studies Jurnal Pengabdian kepada Masyarakat Nusantara ARSY : Jurnal Aplikasi Riset kepada Masyarakat Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Bima Journal : Business, Management and Accounting Journal International Journal of Applied Finance and Business Studies Al-MIKRAJ: Jurnal studi Islam dan Humaniora Jurnal Ilmu Manajemen Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Kajian, dan Terapan Teori Jurnal Ilmiah Pengabdian dan Inovasi Journal of Applied Economics in Developing Countries JUREKA INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen KREATIF: Jurnal Pengabdian Masyarakat Nusantara
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Borneo Tarakan University
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Kelayakan Finansial Dan Nilai Tambah Produk Olahan Ikan (Amplang Kuku Macan Al-Izza) Rahmawati, Meylin; Pratiwi, Sulistya Rini; Kartini, Kartini; Irna, Rizky Agusriyanti; Putri, Ferica C; Nainggolan, Yohanna Thresia
AL-MIKRAJ Jurnal Studi Islam dan Humaniora Vol. 3 No. 2 (2023): Al-Mikraj, Jurnal Studi Islam dan Humaniora
Publisher : Pascasarjana Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almikraj.v3i2.5114

Abstract

This research aims to address the issues faced by Al-Izza MSMEs, particularly regarding their tiger nail snack product, such as limited capital, availability of raw materials, and competitiveness against similar products. The objectives of this study are: 1) to analyze the financial feasibility of the tiger nail snack product, and 2) to analyze the value-added of the tiger nail snack product. The data obtained are quantitative and processed and presented in tabular form. The sample selection method used purposive sampling. The total monthly expenses incurred by the business owner amount to Rp. 4,371,028. The monthly revenue is Rp. 8,640,000, resulting in a monthly profit of Rp. 4,268,972, and the R/C ratio is greater than one, specifically 1.97, indicating that the business is viable. The Break Even Point (BEP) price is Rp. 6,071 < Rp. 12,000, BEP production is 28 < 720 packages, and BEP revenue is Rp. 330,939 < 8,640,000. Based on these BEP calculations, it can be concluded that the business is feasible. Meanwhile, the value-added of milkfish is Rp. 276,125 per kg, indicating a high value-added ratio of 76.70% > 40%. Considering the high value-added ratio of the milkfish raw material, the business is highly feasible. Therefore, it is advisable for the business owner to increase the production capacity of the tiger nail snack product to achieve greater profits.
Accounting Treatment of Dividend Policy in Moderating Company Performance on Company Valuation Nainggolan, Yohanna Thresia; Putri, Ferica Christinawati; Rahmawati, Meylin; Rahmawati, Kartini; Irna, Rizky Agusriyanti; Irna, Mardiyah
INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Vol. 20 No. 4 (2024): November
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v20i4.2430

Abstract

This study aims to determine the accounting treatment of dividend policy in moderating the company's performance against the company's valuation in companies included in the LQ45 index for the 2018-2022 period. This study uses secondary data whose source comes from the annual financial statements on the Indonesia Stock Exchange, especially companies included in the LQ45 index. The analysis techniques used in this study are multiple regression analysis and Moderated Regression Analysis (MRA). This study shows the results that profitability proxied by return on equity has no effect on the company's valuation, the solvency ratio proxied by the debt to equity ratio has a significant influence on the company's valuation in a negative direction and the dividend policy proxied by the dividend payout ratio Able to moderate the ratio of profitability to company valuation and dividend policy is unable to moderate the ratio of solvency to company valuation which is proxied by the dividend discount model
The Role of Bank Profitability and Liquidity in Indonesia's Economic Growth: An Empirical Study on ROA, LDR, and CAR Rahmatullah, Dedy; Kartini
Jurnal Ilmiah Ekonomi Global Masa Kini Vol. 16 No. 2 (2025): Vol. 16 No. 2
Publisher : Universitas Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jiegmk.v16i2.5885

Abstract

This study analyzes the role of banking profitability and liquidity in influencing Indonesia’s economic growth within a context of heightened macroeconomic volatility. While previous research has examined bank credit, assets, or profitability individually, empirical evidence remains limited regarding the simultaneous interaction between profitability and liquidity and their transmission to economic growth, particularly when external pressures such as inflation and exchange rate fluctuations are taken into account. This gap is critical for bank-based economies like Indonesia, where disturbances in liquidity and profitability rapidly affect intermediation capacity and real-sector performance. To address this gap, the study employs monthly data from 2018 to 2024 and applies a Vector Error Correction Model (VECM), complemented by Impulse Response Functions (IRF) and Forecast Error Variance Decomposition (FEVD). Banking performance is measured using Return on Assets (ROA), Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR), while inflation and exchange rate serve as macroeconomic control variables. The results show that ROA, LDR, CAR, inflation, and the exchange rate significantly affect economic growth in both the short and long run, with profitability and liquidity variables exerting relatively stronger influences than macroeconomic factors. These findings provide evidence on how internal banking conditions interact with external shocks in shaping economic dynamics. The study offers implications for the design of macroprudential policies and contributes to the literature by integrating profitability and liquidity indicators within a unified empirical framework that accounts for macroeconomic instability  Keywords: Economic Growth, Banking Sector, LDR, ROA, CAR, VECM, FEDV, Indonesia
WORKSHOP PENYUSUNAN LAPORAN PTK DAN PENULISAN ARTIKEL PARAFRASIS PADA GURU DI SD UTAMA 2 KOTA TARAKAN sucahyo mas'an al wahid; Fadhlan Muchlas Abrori; Roby Zulkarnain Noer; Kartini; Ady Saputra
KREATIF: Jurnal Pengabdian Masyarakat Nusantara Vol. 2 No. 3 (2022): September : Jurnal Pengabdian Masyarakat Nusantara
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/kreatif.v2i3.473

Abstract

The dynamics of education and current tasks carried out by teachers seem increasingly difficult if faced individually without involving collaboration, especially in working through scientific writing. Pramsari in the pulpit of the school journal volume 3 of 2016 said that teachers are the spearhead in the world of education, as functional staff should have high integrity to develop and improve the quality of human resources as a whole, both being able to participate in the KKG and experience making scientific papers when taking undergraduate studies . but it is not enough to stop there, but there are some perceptions that teachers are reluctant to be involved in publishing scientific papers due to very large costs, unsupportive school culture, only aimed at increasing credit numbers and limited practical support in preparing PTK reports and scientific articles . This paradigm is absolute that it is necessary to have reinforcement and habituation to educate teachers in the ability to write down problems in the teaching and learning process in schools. This perception made the research team move to create a special agenda for workshops on the identification of scientific writing and writing of paraphratic articles for teachers in SD Utama 2, Tarakan City.
The Impact Of Non-Performing Loans, Credit Interest Rates And Total Public Savings On Commercial Bank Loan Distribution Kartini, Kartini; Pratiwi, Sulistya Rini; Irna, Rizky Agusriyanti; Rahmawati, Meylin; Nainggolan, Yohanna Thresia
JURNAL ILMU MANAJEMEN Vol. 22 No. 2 (2025): DECEMBER 2025
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jim.v22i2.84118

Abstract

This study aims to analyse the effect of non-performing loans (NPLs), lending rates, and public savings on lending by commercial banks in North Kalimantan Province. The method used is a quantitative approach with secondary data from Bank Indonesia (BI) and the Financial Services Authority (OJK) in the form of monthly data for the period 2017–2022. The analysis was conducted using multiple linear regression with the assistance of Stata software. The results of the study indicate that NPLs do not have a significant effect on credit disbursement, either for working capital loans or investment loans. Credit interest rates do not affect working capital loans, but have a significant effect on investment loans. Meanwhile, public savings have a significant effect on credit disbursement for both types of loans. Simultaneously, all three variables have a significant impact on credit disbursement. These findings indicate that public savings are the primary factor in increasing credit disbursement, while NPLs are not the main obstacle. Additionally, interest rates have a greater impact on investment loans compared to working capital loans. These results can serve as a reference for banks in formulating credit disbursement strategies and for regulators in developing more effective banking policies.
The Impact Of Non-Performing Loans, Credit Interest Rates And Total Public Savings On Commercial Bank Loan Distribution Kartini, Kartini; Pratiwi, Sulistya Rini; Irna, Rizky Agusriyanti; Rahmawati, Meylin; Nainggolan, Yohanna Thresia
JURNAL ILMU MANAJEMEN Vol. 22 No. 2 (2025): DECEMBER 2025
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jim.v22i2.84118

Abstract

This study aims to analyse the effect of non-performing loans (NPLs), lending rates, and public savings on lending by commercial banks in North Kalimantan Province. The method used is a quantitative approach with secondary data from Bank Indonesia (BI) and the Financial Services Authority (OJK) in the form of monthly data for the period 2017–2022. The analysis was conducted using multiple linear regression with the assistance of Stata software. The results of the study indicate that NPLs do not have a significant effect on credit disbursement, either for working capital loans or investment loans. Credit interest rates do not affect working capital loans, but have a significant effect on investment loans. Meanwhile, public savings have a significant effect on credit disbursement for both types of loans. Simultaneously, all three variables have a significant impact on credit disbursement. These findings indicate that public savings are the primary factor in increasing credit disbursement, while NPLs are not the main obstacle. Additionally, interest rates have a greater impact on investment loans compared to working capital loans. These results can serve as a reference for banks in formulating credit disbursement strategies and for regulators in developing more effective banking policies.
Co-Authors Ady Saputra Agusriyanti, Rizky Al Zahra, Maya Nur Al’idrus, Muhammad Ayuningtyas, Niken Balloteng, Bunga Najwa Charitin Devi Christinawati Putri, Ferica Dwi Wulandari, Rizki Ersah Atthbarry Rahmadinata Fadhlan Muchlas Abrori Ferica Christinawati Putri Ferrica Christinawati Putri Hasbi Ananta, Nadila hatta, djuanda Irna, Mardiyah Istianah Asas Jasmine, Nur Azizah Sekar Lisdawati Lisdawati Marvin, Miranda Meylin Rahmawati Meylin Rahmawati Muhammad Muaz Ihsan MULYADI Nainggolan, Yohanna Thresia Najwa Balloteng, Bunga Nova Fitriana Nursia Nursia Nurtang Marlianti Pratiwi, sulistya rini Pratiwi, Sulitya Rini Putri, Ferica C Putri, Ferica Christinawati Rahmatullah, Dedy Rahmawati, Meylin Rahmi Nur Islami Retno Dwi Arini Retno Dwi Arini Ricky Fernandez Tobing Rika Wahyuni Rini Pratiwi, Sulistya Rizky Agusriyanti Rizky Agusriyanti Irna Roby Zulkarnain Noer Septian, Septian Shinta Tri Kismanti Silvia Margaret Sucahyo Mas'an Al Wahid Sulistya Rini Pratiwi Sulistya Rini Pratiwi Sulistya Rini Pratiwi Sulistya Rini Pratiwi Sulistya Rini Pratiwi Suriani Suseno Hadi Purnomo Syaiful Anwar Tanti Try Lestari Thresia Nainggolan, Yohanna Utomo, Mohamad Nur Wahyuni Arsianti, Rika Winata, Michelle Yohanna Thresia Nainggolan Yun, Wong Sing