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All Journal ESENSI: JURNAL BISNIS DAN MANAJEMEN Jurnal Matematika Media Statistika AdMathEdu : Jurnal Ilmiah Pendidikan Matematika, Ilmu Matematika dan Matematika Terapan JST ( Jurnal Sains Terapan ) JTT (Jurnal Teknologi Terpadu) Akuntabel : Jurnal Ekonomi dan Keuangan Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Journal of Data Analysis SEIKO : Journal of Management & Business JSHP (Jurnal Sosial Humaniora dan Pendidikan) J-Dinamika: Jurnal Pengabdian Kepada Masyarakat Sarwahita : Jurnal Pengabdian Kepada Masyarakat Jurnal Abdimas Mahakam Seminar Nasional Teknologi Informasi Komunikasi dan Administrasi [SEMINASTIKA] Southeast Asian Mathematics Education Journal COMMUNITY : Jurnal Pengabdian Kepada Masyarakat eMBeJi : Manajemen dan Bisnis Jurnal Jurnal Riset Inossa : Media Hasil Riset Pemerintahan, Ekonomi dan Sumber Daya Alam Jurnal Bisnis dan Kewirausahaan Journal of Applied Community Engagement (JACE) JNPM (Jurnal Nasional Pendidikan Matematika) International Journal of Environment, Engineering, and Education Journal of Rural Tourism (JoRT)

Saiful Ghozi, Saiful

Unknown Affiliation

Author-ID : 625340

Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Mechanical Engineering Public Health Social Sciences Other

Published : 29 Documents Claim Missing Document

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Articles

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Bagaimana penanganan kredit macet? Dahyang Ika Leni Wijayani; Syarifah Annisa Nur Zahra Alkaf; Saiful Ghozi
INOVASI Vol 18, No 4 (2022): November
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v18i4.11713

Tujuan dari penelitian ini adalah untuk mengetahui penyebab terjadinya kredit macet, mengetahui sistem penanangan kredit macet pada USP Swamitra Trijaya Utama samboja, mengetahui kendala yang dihadapi USP Swamitra Trijaya Utama samboja dalam menangani kredit macet serta pencegahan USP Swamitra Trijaya Utama Samboja agar tidak terjadi kredit macet. Jenis penelitian ini adalah penelitian kualitatif bersifat deskriptif. Data dikumpulkan melalui wawancara, dan observasi lalu dianalisis kembali. Hasil dari penelitian yaitu sebelum melakukan pemberian kredit USP Swamitra Trijaya Utama melakukan pemeriksaan dengan Bank Indonesia Checking untuk mengetahui perilaku nasabah dalam dunia perkreditan. Mengetahui faktor-faktor yang menyebabkan terjadinya kredit macet pada USP Swamitra Trijaya Utama Samboja adalah memburuknya kondisi perekonomian bisnis debitur, Pemberian kredit digunakan tidak sesuai dengan rencana kredit, dan tidak adanya niat membayar dari nasabah. Sistem penanganan kredit macet pada USP Swamitra Trijaya Utama Samboja adalah dengan cara pemberitahuan melalui telepon oleh petugas, penagihan langsung oleh petugas, diberikan surat peringatan; memperpanjang jangka waktu kredit (rescheduling), mengubah berbagai persyaratan yaitu nasabah hanya membayar OS full, bunga dan sebagian denda (Reconditioning), dan peanganan paling akhir yaitu penarikan jaminan.

PENGUKURAN INDEKS PELAYANAN INFRASTRUKTUR DAN KOTA LAYAK HUNI KOTA BALIKPAPAN: PERBAIKAN METODOLOGI SURVEY Saiful Ghozi; Ida Bagus Dharmawan; M. Tizar Bijaksana; Seheriah M. Delvi; Berlina Puspa Yanti
Jurnal Riset Inossa Vol. 4 No. 2 (2022): Desember
Publisher : Badan Penelitian dan Pengembangan Daerah Kota Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54902/jri.v4i2.75

Artikel ini bertujuan untuk menghasilkan nilai Indeks Pelayanan Infrastruktur (IPI), dan Indeks Kota Layak Huni (IKLH) kota Balikpapan dengan representasi sampel yang lebih kuat, baik secara demografis maupun spasial. Studi ini memperbaiki sisi kelemahan pada metode sebelumnya, yaitu (1) item instrumen dilakukan dengan lebih sederhana terfokus pada skor persepsi kinerja, (2) pembobotan aspek dilakukan dengan metode AHP (Analytical Hierarchical Process) sehingga indeks yang dihasilkan mampu mengakomodir aspirasi para pemangku kepentingan terkait, (3) validitas sebaran responden secara spasial dapat diverifikasi dengan lebih akurat karena instrumen juga menghasilkan titik geotagged setiap responden. Studi survey ini dilakukan untuk memberikan dukungan informasi yang akurat bagi pemangku kepentingan di lingkungan pemerintah kota Balikpapan dalam merumuskan strategi, kebijakan, program dan pelaksanaan pembangunan daerah yang tepat sasaran. Beberapa temuan menarik didiskuikan dalam pembahasan dalam artikel ini.

Analisis Persoalan dan Solusi Keberlanjutan UKM: Studi Kasus pada Usaha Karyawan PHK di Kota Balikpapan Hasto Finanto; Dessy Handasary; Totok Ismawanto; Saiful Ghozi
Journal of Applied Community Engagement Vol 1 No 1 (2021): Journal of Applied Community Engagement (JACE)
Publisher : ISAS (Indonesian Society of Applied Science)

This article provides an analysis of the situation and the need for solutions to businesses founded by employees who were affected by the layoffs. The business that was established was a new business that was categorized as Small and Medium Enterprises (SME). The business established by this partner has so far not been going well because it has not generated a stable cash flow. Even SME partners stated that they are still losing money. Many products that are marketed experience a return because the sales system is still in the stalls / shops and does not sell well. The proposed solution is divided into several things, namely management, capital access, marketing, distribution and production technology

Visualisasi Geometris Aplikasi Integral: Studi Penggunaan Software Autograph Dalam Pembelajaran Matematika Teknik Saiful Ghozi; Hilmansyah Hilmansyah
JNPM (Jurnal Nasional Pendidikan Matematika) Vol 2, No 1 (2018): EDISI MARET
Publisher : Universitas Swadaya Gunung Djati

Abstrak. Berbagai software telah tersedia secara khusus yang didesain untuk kelas pembelajaran matematika dengan berbagai pendekatan, yakni pendekatan alajabar geometris, maupun pendekatan visual. Aplikasi tersebut diantaranya : MapelTM, MupadTM, CABRI, Geogebra, dan AutographTM. Dalam makalah ini akan dibahas potensi penggunaan software AutographTM dalam rangka visualisasi geometris topik aplikasi Integral dalam matakuliah matematika teknik. Telah dikembangkan materi pembelajaran berbantuan Autograph pada materi aplikasi integral. Materi yang dikembangkan dinyatakan valid oleh validator sesuai capaian pembelajaran yang ditetapkan. Ujicoba dilakukan dengan desain One Shot Experimental Design untuk menguji efektifitas materi yang dikembangkan. Materi ajar yang dikembangkan terbukti efektif meningkatkan kemampuan visual mahasiswa teknik elektro dalam topik aplikasi integral.Â Â Â Kata Kunci. Autograph, Visualisasi Geometris, Matematika TeknikÂ Abstract. Several software specially purposed for mathematics learning has been available. The software was designed in geometric algebraic approach , and visual approach, namelyÂ Â MapelTM, MupadTM, CABRI, Geogebra, dan AutographTM. In this paper, utilization ofÂ AutographTM Â will be discussed to visualize the application ofÂ integral in technical mathematics course. The material developed is validly validated by the validator according to the learning achievement set. Experiments were conducted with a one-shot experimental design to test the effectiveness of the developed material. The developed teaching materials proved to be effective in improving students' visual abilities in the topic of integral applications.Keyword. Autograph, Geometric Visualization, Mathematics for Engineering

ANALISIS KEPUTUSAN NASABAH DALAM MEMILIH JENIS BANK: PENERAPAN MODEL REGRESI LOGISTIK BINER (STUDI KASUS PADA BANK BRI CABANG BALIKPAPAN) Saiful Ghozi; Ramli Ramli; Asri Setyani
MEDIA STATISTIKA Vol 11, No 1 (2018): Media Statistika
Publisher : Department of Statistics, Faculty of Science and Mathematics, Universitas Diponegoro

This paper analyze factors that influence customer preference between conventional and sharia bank, and which factor is the most dominant. The study was conducted in Balikpapan city from May 2017 until August 2017. The sample is 25 customers of BRI Sharia and 31 customers of conventional BRI. Statistical analysis model used in this paper is Binary Logistics Regression. There are 8 predictor variables to be analyzed to know their effect to customer decision in choosing bank between sharia bank and conventional bank. The variables are: knowledge of respondents about sharia bank (X1), knowledge of respondents about the difference between conventional and sharia banks (X2), knowledge of respondents about products offered by sharia bank (X3), promotion of sharia bank via printed media (X4), promotion of sharia bank via electronic media (X5), promotion of sharia bank in social activities (X6), the customer's efforts to observe religious orders (X7), and the customer's efforts to avoid the religious prohibitions (X8). The results of individual significance test indicate that knowledge of respondents about sharia bank, and promotion of sharia bank through electronic media has significant effect to the customer’s decision in choosing bank. And the most significant effect is promotion through electronic media (X5). Keywords : binary logistic regression, decision, sharia bank

Peningkatan Kapasitas UMKM “Mapan” Kecamatan Pancoran Mas, Kota Depok Rosa, Tina; Tamba, Mariati; Sandry, Rudy; Kartinah; Setiawan, Christopher Ari; Rahmansyah, Muhamad Arief; Adityan, Rifky; Malasulastri, Sitti Ismayanti; Wahyudi; Pratiwi, Triany Setia; Astonugroho, Rafi; Fernando, Nelson; Ghozi, Saiful
Journal of Applied Community Engagement Vol 3 No 1 (2023): Journal of Applied Community Engagement (JACE)
Publisher : ISAS (Indonesian Society of Applied Science)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52158/jace.v3i1.580

Masalah umum yang dihadapi Usaha Mikro Kecil dan Menengah (UMKM) adalah terkait permodalan, pemasaran, legalitas, packaging, tempat, mentoring, dan pengetahuan teknis tentang administrasi terutama pembuatan proposal bisnis. Tujuan kegiatan ini adalah untuk meningkatkan kualitas keberlanjutan UMKM di Kecamatan Pancoran Mas Kota Depok, Provinsi Jawa Barat, terutama dalam hal pola berpikir, tata kelola SDM, pemasaran produk, dan sumber modal. Metode pelaksanaan kegiatan ini terbagi menjadi empat tahapan. Pertama, analisis situasi dan koordinasi mitra. Kedua, komunikasi dengan pemangku kepentingan. Ketiga, sharing session. Keempat, evaluasi kegiatan. Kegiatan utama terlaksana di tanggal 22 Juli 2023, bertempat di Aula kecamatan Pancoran Mas Kota Depok. Mitra PKM yang hadir pada kegiatan tersebut sebanyak 30 UMKM yang sudah mapan, dan 11 UMKM pemula. Selain itu, kegiatan PKM ini dihadiri pihak pejabat teras Universitas Respati Indonesia (URINDO), pengurus Himpunan Pengusaha Muda Indonesia (HIPMI) Jawa Barat, dan komunitas pendamping UMKM kota Depok, serta Camat Pancoran Mas kota Depok. Secara kualitatif, terdapat beberapa capaian dari kegiatan ini, Pertama, para pegiat UMKUM lebih memahami strategi pengembangan usaha kedepan, khususnya dibidang pengembangan SDM, pemasaran dan permodalan. Kedua, menumbuhkan semangat berwirausaha bagi para pegiat UMKM. Ketiga, menguatkan konsistensi dalam melaksanakan strategi. Keempat, para pegiat UMKM yang hadir berpotensi menghasilkan jejaring baru dalam berwirausaha.

Analisis Kelayakan Rencana Bisnis Pendirian Usaha Penggilingan Padi Di Dukuhtunggal, Glagah, Lamongan Ghozi, Saiful; Kurniawati, Masmira
SEIKO : Journal of Management & Business Vol 6, No 2.1 (2023)
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v6i2.5452

Penulis melakukan penelitian ini agar kelayakan bisnis dari usaha penggilingan padi yang terleda di Jl Raya Dukuhtunggal, Glagah Lamongan dapat diketahui yakni dari segi aspek Pasar, pemasaram, keuangan, manejemen dan di semprnakam oleh analisa SWOT. Hasil penelitian menunjukkan bahwa usaha penggilingan padi dengan penempatan lokasi yang lebih spesifik yaitu di kabupaten Lamongan dapat dinyatakan layak baik untuk dikembangkan atau didirikan. Aspek pasar menyatakan lokasi yang strategis karena dekat dengan bahan baku yaitu padi serta mudah dijangkau oleh calon konsumen. Aspek pemasaran yang layak karena memilih diferensiasi dari segi kualitas dan pelayan terbaik karena SDM dari generasi milenial dan cekatan. Promosi mouth to Mouth di kalangan warga kabupaten Lamongan dapat memberikan dampak baik untuk pemasaran. Terakhir dari hasil analisis segi keuangan juga layak dengan umur proyek 5 tahun pada tingkat discount rate 10%. Serta analisis kriteria kelayakan meghasilkan payback period (PP) 1 tahun 6 bulan 1 minggu, nilai Net Present Value (NPV) senilai 531.597.000, nilai Profitability Index (PI) sebesar 1,140,62% dan Internal Rate of Return (IRR) sebesar 34%.

Congratulations on the publication of the first issue of Journal of Rural Tourism Ghozi, Saiful
Journal of Rural Tourism Vol. 1 No. 1 (2024): January - June
Publisher : Borneo Novelty Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70310/wb2ev849

We are delighted to announce the publication of the first issue of the Journal of Rural Tourism. This marks a significant milestone in our collective efforts to explore, understand, and contribute to the sustainable development of rural tourism around the world. This journal serves as a platform for academics, practitioners, and policymakers to share ideas, research findings, and best practices that highlight the richness and potential of rural destinations. As we celebrate this inaugural issue, we extend our heartfelt congratulations to all authors, reviewers, and the editorial team who have made this publication possible. In the future, this journal will introduce a diverse range of innovative studies, interdisciplinary approaches, and both global and local perspectives that are expected to enrich the discourse on rural tourism. We also hope the journal will become a vibrant space for dialogue, inspiration, and collaboration among all stakeholders. We look forward to continued partnerships and collective growth as we build a dynamic academic community in the field of rural tourism.

Perceived Security and Trust as Mechanisms of P2P Adoption Technology: Evidence from Pre-Adopters Using PLS-SEM Approach Wijaya, Indra Dharma; Salam, Rudi; Ghozi, Saiful; Mubarok, Faiz Ushbah; Subkhan, Muhamad Fajar
International Journal of Environment, Engineering and Education Vol. 8 No. 1 (2026)
Publisher : Three E Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55151/ijeedu.v8i1.373

Peer-to-peer (P2P) lending can expand working-capital access for micro-entrepreneurs, yet borrowing via digital platforms heightens perceived vulnerability due to sensitive data disclosure and binding repayment obligations. This study examines how perceived security and trust shape adoption intention in a high-stakes fintech context by extending the Technology Acceptance Model (TAM) and testing whether security and trust transmit the effect of perceived usefulness to intention. Using an explanatory cross-sectional design, we collected offline-administered survey data from 204 Indonesian micro-entrepreneurs who had not previously adopted P2P lending to capture pre-adopter perceptions better and reduce digital-selection bias. The model was estimated using PLS-SEM 3. The results indicate that all hypothesized relationships are positive and statistically significant. Perceived usefulness significantly enhances perceived security (β = 0.562) and trust (β = 0.259), while perceived security exerts a strong positive effect on trust (β = 0.517). Intention to use P2P lending is directly influenced by perceived security (β = 0.337), trust (β = 0.213), and perceived usefulness (β = 0.208). Mediation analysis confirms that perceived security (β = 0.189) and trust (β = 0.055) partially mediate the effect of perceived usefulness on intention to use. The model explains 42.4% of the variance in intention to use (R-squared = 0.424) and demonstrates adequate predictive relevance (Q-squared = 0.263). Overall, perceived security emerges as the most influential determinant of adoption intention, underscoring the importance of security-by-design features, transparent governance, and robust consumer-protection frameworks in fostering trust and accelerating P2P lending adoption among micro-entrepreneurs.

Co-Authors Aditya Achmad Rakim Aditya Rakhman Rakim Adityan, Rifky Asri Setiarini Asri Setiarini Asri Setyani Astonugroho, Rafi Aulia, Junda Nur Berlina Puspa Yanti Dessy Handa Sari Diandra Febrianti Emil Azmanajaya Erick Sorongan, Erick Fernando, Nelson Hadi Hermansyah Hadiyanto Hadiyanto Hairul Anam Hasto Finanto Henry Winnarko Hilmansyah Ida Bagus Dharmawan, Ida Bagus Ida Suriana Ida Suriana Ida Suriana Indra Dharma Wijaya, Indra Dharma Ismawanto, Totok Kartinah Kusno, Hendra Sanjaya M. Tizar Bijaksana Mahfud Mahfud Malasulastri, Sitti Ismayanti Mariati Tamba Masmira Kurniawati, Masmira Pratiwi, Triany Setia Rahmansyah, Muhamad Arief Ramli Ramli Ramli Ramli Risty Jayanti Yuniar Rosa, Tina Rudi Salam Rumiatiningsih Sandry, Rudy Sara Wibawaning Respati Seheriah M. Delvi Setiawan, Christopher Ari Sri Widiyati, Sri SUBKHAN, MUHAMAD FAJAR Subur Mulyanto SUPARMANTO SUPARMANTO Syarifah Annisa Nur Zahra Alkaf Tuatul Mahfud Usfatun Tri Habibah WAHYUDI Wijayani, Dahyang Ika Leni Winarni Winarni Yogiana Mulyani

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