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All Journal CERMIN SOSEKHUM PERMANA Journal of Auditing, Finance, and Forensic Accounting Benefit: Jurnal Manajemen dan Bisnis Monex: Journal of Accounting Research JURNAL NUSANTARA APLIKASI MANAJEMEN BISNIS Jurnal Abdimas PHB : Jurnal Pengabdian Masyarakat Progresif Humanis Brainstorming EconBank : Journal Economics and Banking JBIMA (Jurnal Bisnis dan Manajemen) Masyarakat Berdaya dan Inovasi Budimas : Jurnal Pengabdian Masyarakat Jurnal Pengabdian kepada Masyarakat Nusantara Multiplier: Jurnal Magister Manajemen Jurnal Abdimas Bina Bangsa PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi
Inayah Adi Sari
Universitas PGRI Semarang
Religion Humanities Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Nursing Public Health Social Sciences Other

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Pengaruh Rasio Laporan Keuangan terhadap Kebijakan Penyaluran Kredit pada Bank Perkreditan Rakyat Konvensional di Indonesit Inayah Adi Sari; Makmur Sujarwo
Permana : Jurnal Perpajakan, Manajemen, dan Akuntansi Vol 9 No 2 (2017): Agustus
Publisher : Faculty of Economics and Business, University of Pancasakti Tegal

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (970.238 KB)

Abstract

Loan portfolio is the main activity in the banking sector. These activities generate revenue so that banks in carrying out its functions should be based on the precautionary principle. It is necessary to pay attention to factors such as the ratio of credit loans (NPL), factor capital adequacy ratio (CAR and DPK), the level of the operational efficiency of the bank (BOPO) and the level of profit generated (ROA) . reseach was done in order to determine the effect the relationship between the variables ( NPL, CAR, DPK, ROA and ROA) on the variable number of loans at BPR Konventinal in Indonesia. The method used is quantitative method. This study used cross section data in 2014 -2016 were obtained through an annual financial report on the official website of the financial services authority. This study using purposive sampling method. based on the criteria, there were 41 BPR sampled. Hypothesis testing is done by using multiple linear regression and classic assumptions. T test results showed that the variables NPL significant negative effect on the amount of lending. While the variable CAR, deposits and ROA positive and significant impact on the amount of lending and ROA has no effect on the amount of lending. Based on F test showed that the variables NPL, CAR, DPK, ROA and ROA simultaneously affect the amount of lending. The coefficient of determination shows that the predictive ability of the independent variables fifth by 82% while the remaining 18% are influenced by other variables outside the research
Pelatihan Produksi Krupuk dari Ampas Tahu untuk Meningkatkan Produktivitas Pada Anggota PKK Riyanto Riyanto; Aryan Eka Prastya Nugraha; Novika Wahyuhastuti; Inayah Adi Sari
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 4 No. 3 (2023): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN)
Publisher : Cv. Utility Project Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v4i3.1308

Abstract

The purpose of this service is to facilitate PKK members in Krobokan Village there are several large tofu making factories. UMKM tofu producers in Krobokan Village from the last few years have experienced a fairly high increase in production. This is because the level of public consumption of tofu has increased. The increase in tofu production is offset by an increase in the residual value of production, namely tofu pulp. Tofu waste, which is known to still have a lot of nutritional content, has not been optimally utilized, apart from being made into animal feed. This condition became the idea of the PKK members of Krobokan Village to create alternative products from tofu dregs. This activity was carried out by providing entrepreneurial training to PKK members to produce tofu pulp into crackers and nuggets. The result of this community service activity is that the PKK members of Krobokan Village gain knowledge and skills about utilizing tofu dregs into food that is delicious, nutritious and has economic selling value.
INCREASING MANAGERIAL CAPACITY AND DIGITAL LITERACY THROUGH TRAINING AND MENTORING FOR MSMES IN PILANGREJO DEMAK VILLAGE Sari, Inayah Adi; Puspitasari, Ratih Hesty Utami; Ilham, Ratih Milati; Yulianti, Fitri
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol 6, No 1 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v6i1.13322

Abstract

The people of Pilangrejo Village, Wonosalam District, most of the people have a livelihood producing smoked fish. Smoked Fish is one of the production alternatives that are in demand by the market because of its taste which tends to be more savory and durable. The problem in the field of production faced by partners is that the smoking process is still traditional, so that the appearance and cleanliness of smoked fish are not well maintained. In addition, it can cause environmental pollution around the production area.The problem in the field of marketing is that the process of selling smoked fish is still carried out conventionally. Partners are not familiar with online product marketing. The solution offered to partners is by training on smoked fish packaging and online sales processes, so that smoked fish can be widely known to the public. As for financial management problems, partners do not understand how to manage personal and business finances. The solution offered is family financial management training, which will later have an impact on business finances. This PKM activity was attended by 60 members of the fish smokers association. The results of this PKM activity make partners able to produce smoked fish cleanly and healthily, partners can also carry out the sales process online, and partners can manage family and business finances well.
Pengukuran Kinerja Perusahaan Dengan Menggunakan Metode RGEC Adi Sari, Inayah Adi; Riyanto, Riyanto; Hastuti, Novika Wahyu; Nugraha, Aryan Eka Prastya
EconBank: Journal of Economics and Banking Vol 7 No 1 (2025): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v7i1.469

Abstract

This study aims to test the performance enterprises in the banking sector in the era of the pasca Covid-19 pandemic. Measuring the bank's financial performance using the RGEC method, namely by looking at the NPL (Non Performing Loan), Good Corporate Governance (GCG), Return on Asset (ROA) and Capital Adequacy Ratio (CAR) ratios. The population in this study is banking companies listed on the Indonesia Stock Exchange. Sampling using the purposive sampling method, namely banking companies listed on the Indonesia Stock Exchange in 2021-2023, complete audited financial statements are available. The sample in this study amounted to 39 financial statements. The data analysis technique in this study uses multiple linear regression analysis. The results of this study concluded that the NPL and ROA variables had a negative and significant effect on PBV, while the GCG and CAR variables had a positive and significant effect on PBV. The results of this study are expected to provide benefits for stakeholders in making decisions to invest, especially in banking companies. Key word: Capital Adequaty Ratio (CAR); Good Corporate Governance (GCG); Non Performing Loan (NPL); Return on Asset (ROA); ); Price to Book Value (PBV)
Upaya Peningkatan Pendapatan Melalui Literasi Keuangan Dan Pemasaran Online Bagi UMKM Kelurahan Krobokan Kota Semarang Sari, Inayah Adi; Wahyuhastuti, Novika; Riyanto, Riyanto; Aryan Eka Prastya Nugraha
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 5 No. 1 (2024): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN)
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Kelurahan Krobokan sebagian besar memiliki penduduk yang berwirausaha sebagai pembuat tahu. Produksi tahu akan menghasilkan nilai sisa yang masih dapat dimanfaatkan sebagai makanan yang lezat dan bergizi. Nilai sisa tersebut adalah ampas tahu atau sering kita kenal dengan gembus. Kegiatan pengabdian ini merupakan kelanjutan kegiatan PKM yang pertama, yaitu pelatihan produksi ampas tahu menjadi krupuk dan nuget, sedang pada kegiatan PKM kali ini, mitra mendapatkan pelatihan dalam memasarkan produk secara online serta pengelolaan keuangan usaha sederhana. Kegiatan PKM ini diikuti oleh 31 orang yang merupakan peserta pada PKM yang pertama. Metode pelaksanaan kegiatan PKM ini dibagi menjadi dua tahap. Tahap pertama, mitra mendapatkan transfer pengetahuan serta praktek bagaimana menjual produk secara online dengan menggunakan akun bisnis pada whatsapp, dan Instagram sebagai media social yang digunakan untuk memasarkan produk. Tahap kedua, mitra mendapatkan pelatihan dan praktik bagaimana melakukan pencatatan transaksi usaha, serta mengelola keuangan usaha sampai penyusunan laporan keuangan sederhana. Kegiatan ini dihadiri oleh 32 pelaku usaha mikro dan kecil di kelurahan Krobokan. Setelah mendapatkan transfer pengetahuan, serta pelatihan tentang pemasaran online dan literasi keuangan sampai penyusunan laporan keuangan sederhana, peserta menjadi lebih bersemangat dan merasa lebih mudah dalam menjalankan usahanya. Harapannya dengan peningkatan pemahaman tentang pemasaran dan literasi keuangan, pendapatan usaha mereka akan meningkat.
INCREASING MANAGERIAL CAPACITY AND DIGITAL LITERACY THROUGH TRAINING AND MENTORING FOR MSMES IN PILANGREJO DEMAK VILLAGE Sari, Inayah Adi; Puspitasari, Ratih Hesty Utami; Ilham, Ratih Milati; Yulianti, Fitri
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 6 No. 1 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The people of Pilangrejo Village, Wonosalam District, most of the people have a livelihood producing smoked fish. Smoked Fish is one of the production alternatives that are in demand by the market because of its taste which tends to be more savory and durable. The problem in the field of production faced by partners is that the smoking process is still traditional, so that the appearance and cleanliness of smoked fish are not well maintained. In addition, it can cause environmental pollution around the production area.The problem in the field of marketing is that the process of selling smoked fish is still carried out conventionally. Partners are not familiar with online product marketing. The solution offered to partners is by training on smoked fish packaging and online sales processes, so that smoked fish can be widely known to the public. As for financial management problems, partners do not understand how to manage personal and business finances. The solution offered is family financial management training, which will later have an impact on business finances. This PKM activity was attended by 60 members of the fish smokers association. The results of this PKM activity make partners able to produce smoked fish cleanly and healthily, partners can also carry out the sales process online, and partners can manage family and business finances well.
Analisis Sentimen Konsumen Selama Pandemi Covid-19 di Kota Semarang Menggunakan Tableau Nugraha, Aryan Eka Prastya; Riyanto, Riyanto; Sari, Inayah Adi; Hadi, Dwi Prastiyo
Jurnal Nusantara Aplikasi Manajemen Bisnis Vol 7 No 2 (2022): Jurnal Nusantara Aplikasi Manajemen Bisnis
Publisher : UNIVERSITAS NUSANTARA PGRI KEDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/nusamba.v7i2.16068

Abstract

This study aims to analyze consumer sentiment during the pandemic in Semarang City. The data analysis techniques used are: (1) Business Intelligence with data visualization using Tableau and (2) to determine the effect or impact of the results of consumer sentiment, the second analysis uses trend analysis to estimate complex future prediction models. Based on the results that have been carried out in research on consumer sentiment and its impact on the retail business in Semarang City, consumer consumption patterns during the pandemic remain unchanged compared to before the pandemic. The conclusion in this study is the projection of time and expectations for retail businesses during the pandemic, which is an average of 6 months after the pandemic subsides they will return to normal. It also adjusts to the financial and operational capabilities of each retailer.
Model Pemberdayaan PKK Kelurahan Krobokan Dalam Rangka Pemanfaatan Potensi Lokal Menjadi Produk Oleh-Oleh Khas Krobokan Sari, Inayah Adi; Wahyuhastuti, Novika; Riyanto, Riyanto; Nugraha, Aryan Eka Prasetya; Prabowo, Heri
Jurnal Pengabdian Masyarakat Progresif Humanis Brainstorming Vol 9, No 1 (2026): Jurnal Abdimas PHB : Jurnal Pengabdian Masyarakat Progresif Humanis Brainstormin
Publisher : Politeknik Harapan Bersama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30591/japhb.v9i1.9944

Abstract

Kegiatan PKM ini bertujuan untuk memberikan Solusi yang di hadapi mitra. Mitra dalam kegiatan PKM ini Adalah Ibu-ibu PKK Kelurahan Krobokan yang sekaligus memiliki usaha Tempe dan Tahu Bakso. Permasalahan yang dihadapi mitra adalah bagaimana memproduksi tempe dan tahu bakso yang lebih menarik dan bergizi, serta packaging untuk proses pemasaran produk. Permasalahan selanjutnya adalah permasalahan pemasaran, bagaimana memasarkan produk secara online supaya lebih luas dikenal konsumen. Sebelum mitra mendapatkan pelatihan memasarkan produk secara online, mitra diberikan pelatihan bagaimana packaging produk dan pengambilan foto produk supaya lebih menarik konsumen. Metode pelaksanaan PKM ini dibagi menjadi tiga tahap, yaitu tahap pertama proses produksi tempe dan tahu bakso yang menarik dan bergizi. Tahap yang kedua adalah penghitungan biaya produksi dan penentuan harga jual produk. Tahap ketiga adalah pelatihan pemasaran produk secara online dengan menggunakan media social dan akun e-commerce.Setelah mengikuti kegiatan pengabdian kepada Masyarakat ini, Masyarakat Kelurahan Krobokan memiliki pemahaman mengenai pentingnya kandungan tempe dan dapat mengolahnya menjadi makanan yang lezat dan disukai anak-anak, sehingga dapat mencegah stunting dan dapat menjadi alternatif Upaya peningkatan pendapatan keluarga.
Generative AI in advertising: Trust, Acceptance, And Rejection Dynamics Among Young Social-Media Users Aryan Eka Prastya Nugraha; Riyanto Riyanto; Novika Wahyuhastuti; Inayah Adi Sari
Jurnal Nusantara Aplikasi Manajemen Bisnis Vol 11 No 2 (2026): Jurnal Nusantara Aplikasi Manajemen Bisnis
Publisher : UNIVERSITAS NUSANTARA PGRI KEDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/nusamba.v11i2.29530

Abstract

Research Aim: This study investigates the determinants of generative AI rejection among teenage consumers in Central Java, specifically examining how declining trust and AI acceptance influence rejection behavior, with technology experience as a moderating variable. Design/Methods/Approach: A quantitative causal-comparative research design was employed utilizing Structural Equation Modeling based on Partial Least Squares (SEM-PLS) through SMARTPLS software. Data were collected from 289 teenage consumers (aged 18+) in Central Java who had exposure to AI-generated digital marketing content on social media platforms and marketplace applications. Purposive and snowball sampling techniques were used to ensure relevant respondent representation. Research Finding: The study revealed that declining trust in generative AI (β = 0.116, p < 0.05) significantly predicts consumer rejection behavior, whereas direct AI acceptance did not show a significant relationship with rejection (β = 0.032, p = 0.088). Technology experience demonstrated a significant moderating effect (β = 0.082) on the acceptance-rejection relationship. The model explained 68% of variance in rejection behavior (R² = 0.68), indicating substantial predictive power. Theoretical Contribution/Originality: This research extends existing technology acceptance models by integrating trust theory and behavioral intention-action gap framework, demonstrating that affective-cognitive factors (trust, authenticity, ethical considerations) outweigh utilitarian value in predicting AI rejection among teenagers. The findings bridge the gap between cross-sectional AI advertising effectiveness studies and long-term consumer psychological responses. Practitioner/Policy Implication: Organizations implementing generative AI in digital marketing should prioritize trust-building through transparent AI disclosure, ethical practices, and privacy protection. For tech-inexperienced consumer segments, enhanced AI literacy programs are essential to reduce rejection rates and foster sustainable brand relationships. Research Limitation: The study employed a cross-sectional design limiting temporal effect assessment. Geographic scope was restricted to Central Java, potentially limiting generalizability. Future research should incorporate longitudinal designs and additional variables such as AI literacy, innovation orientation, and negative technology experiences.
Co-Authors Abdulloh Mubarok Adi Wiratno Agus Setio M.Si. Widodo Agus Setio Widodo Amirah, Amirah Anies Indah Haryanti Aryan Eka Prastya Nugraha, Aryan Eka Prastya Azizah Nuraeni Budiningsih Dewi Indriasih Dr. Yayat Hidayat M.Pd Amir Dr. Yayat Hidayat M.Pd. Amir Drs. Sana M.Si. Prabowo Dwi Prastiyo Hadi, Dwi Prastiyo Eko Suyono Fitri Yulianti Gunistiyo, Gunistiyo Gunistyo , M.Si Hastuti, Novika Wahyu Heny Indriani Heri Prabowo Kartikasari, Maulida Dwi Kristina Nimas Wijayanti Kristina Wijayanti Mahmud Yunus Maulida Dwi Kartikasari Niken Wahyu Cahyaningtyas Niken Wahyu Cahyaningtyas Nugraha, Aryan Eka Prasetya Nur Intan Fitriani Purwo susongko Rachel Larasati Ratih Hesty Utami Puspitasari Ratih Milati Ilham Riyanto Riyanto Riyanto Riyanto Riyanto Riyanto Sana Prabowo Setiawan, David Firna Siswanto , SH.,MH Siswanto , SH.,MH. Siswanto MH. SH. Siswanto, MH. SH. Sujarwo, Makmur Susilawati, Agnes Dwita Sutrisno Mohamad Teguh Budi Raharjo Ullum Inti Fahmi Veronika, Aldina Putri Wahyuhastuti, Novika Yana Mulyana Yana SE. Mulyana Yanti Puji Astuti Yanti Puji Astutie Yayat Hidayat Amir