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All Journal Wahana: Jurnal Ekonomi, Manajemen dan Akuntansi Amalee: Indonesian Journal of Community Research & Engagement
Maromi Merlin Mbate
Universitas Kristen Artha Wacana
Humanities Economics, Econometrics & Finance Public Health Social Sciences Other

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PERSYARATAN KECUKUPAN MODAL MINIMUM DAN PERILAKU BANK DI INDONESIA Maromi Merlin Mbate
Wahana: Jurnal Ekonomi, Manajemen dan Akuntansi Vol 17, No 1 (2014)
Publisher : Akademi Akuntansi YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (102.68 KB) | DOI: 10.35591/wahana.v17i1.86

Abstract

This study aims to analyze the impact of bank capital requirements in Indonesia where credit and capital crunch. In investigating the impact of bank capital requirements, we set up a simple model of the banking firm as well as having possible effects on the economy. In this study, change of deposits and change of loan were included as the dependent variable and capital requirements as the independent variable while logarithm of total assets, Certificates of Bank Indonesia (SBI) and growth of GDP as the control variable. In estimation, we use annually panel data of all the banks conventional period 2002-2206 while number of samples was 372 banksyears. Based on our econometric tests, we choose the Fixed Effect panel regression model because the bank specific characteristics are found to be different. The results of this study indicated that regulatory capital takes part in the change of Indonesia banks behaviour. The main finding of this study, firstly from the liabilities side of banks is that there was a strong positive relationship between bank capital and growth rate of deposits, where the impact of change in capital is smaller for well-capitalised banks than for poor-capitalised banks. Secondly, with regards to bank lending, it was shown that credit crunch was less apparent in the aftermath of change in capital regulatory in Indonesia. Thus, this study supported of capital crunch. Keywords: Capital Adequacy Ratio, Deposits, Loans, Capital Crunch
Strengthening Se’i Kupang Production through Kesambi Leaf Biobriquette Innovation, Financial Literacy, and Digital Marketing Helda Marlin Ala; Mesri Welhelmina Nisriani Manafe; Herny Constantia Fanggidae; Jemmy Jonson Sula Dethan; Maromi Merlin Mbate
Amalee: Indonesian Journal of Community Research and Engagement Vol. 7 No. 1 (2026): Amalee: Indonesian Journal of Community Research and Engagement
Publisher : LP2M INSURI Ponorogo

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Abstract

Se’i, a traditional smoked meat from East Nusa Tenggara, Indonesia, has a strong cultural identity and economic potential; however, its production still relies on conventional firewood, resulting in inconsistent quality, energy inefficiency, and unstable production costs. This study aims to implement an integrated empowerment model that combines green energy innovation, financial literacy, and digital marketing to strengthen the sustainability of se’i micro and small enterprises (MSMEs) in Kupang City. The program was conducted using a Participatory Action Research (PAR) approach within a structured, integrated empowerment framework, including a baseline assessment, biomass briquette training and simulation, financial literacy workshops with SI-APIK digital bookkeeping implementation, digital marketing training, and a before–after evaluation. The results show a 22–28% reduction in fuel consumption per production cycle, improved stability of smoking temperature and product consistency, full adoption of simple financial reporting and cost-of-production calculation among partners, and increased digital engagement and transactions. The integration of biomass briquettes from Kesambi leaves, structured financial management, and data-driven digital marketing synergistically improved cost efficiency, managerial capacity, and market expansion. In conclusion, the integrated empowerment model effectively enhances production efficiency, financial transparency, and business competitiveness, offering a replicable framework for strengthening traditional food MSMEs through green innovation and digital transformation.
Co-Authors Helda Marlin Ala Herny Constantia Fanggidae Jemmy Jonson Sula Dethan Mesri Welhelmina Nisriani Manafe