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This Author published in this journals
All Journal Journal of Business Innovation and Research
Raden Heru Kristanto
Management, UPN Veteran Yogyakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analysis of Differences in Credit Distribution, Non-performing Loans and Profits of Rural Banks (BPR) with the Issuance of the Financial Services Authority Muhammad Firdaus B. Y.; Raden Heru Kristanto; Khoirul Hikmah
Journal of Business Innovation and Research Vol 1, No 1 (2022): Journal of Business Innovation and Research
Publisher : UPN Veteran Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/jubir.v1i1.8031

Abstract

This study aims to determine differences in credit distribution, non-performing loans, and profits at Rural Banks Owned by Regional Governments in DIY before and during the Covid-19 Pandemic after the issuance of Number 11/POJK.03/2020. This research was conducted by quantitative comparative method. The samples taken in this study are data regarding the level of lending, non-performing loans (NPL), and net income from the publication reports of Perumda BPR Bank Jogja, PT BPR Bank Sleman (Perseroda), PT BPR Bank Bantul (Perseroda), PD BPR Bank Kulon Progo Market, and PT BPR Bank Daerah Gunungkidul in 2018, 2019, 2020 and 2021. Data testing was carried out using a paired sample T/T-test using the SPSS program, with a significance value of 5%. The results of this study include differences in credit distribution at Rural Banks Owned by Regional Governments in the Special Region of Yogyakarta before and during the Covid-19 Pandemic after the issuance of Financial Services Authority Regulation (POJK) Number 11/POJK.03/2020, then there is no significant differences in non-performing loans of Regional Government-Owned Rural Banks in the Special Region of Yogyakarta before and during the Covid-19 Pandemic after the issuance of Financial  Services Authority Regulation (POJK) Number 11/POJK.03/2020, as well as significant differences in bank profits Local Government-Owned People's Credit in the Special Region of Yogyakarta before and during the Covid-19 Pandemic after the issuance of Financial Services Authority Regulation (POJK) Number 11/POJK.03/2020.
I-Magelang as an Implementation of Information Technology-Based Magelang Library Service Innovation to Improve Public Literacy Access at the Library and Archives Service of Magelang City, Central Java Leny Adriana Mesah; Purbudi Wahyuni; Raden Heru Kristanto
Journal of Business Innovation and Research Vol 1, No 1 (2022): Journal of Business Innovation and Research
Publisher : UPN Veteran Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/jubir.v1i1.8032

Abstract

This study aims to find out a relatively comprehensive picture of the implementation of iMagelang innovation as a means in an effort to increase access to community literacy, identify obstacles in the implementation of iMagelang innovation and obtain suggestions and recommendations for theoretical and practical interests from research. Data analysis methods include interactive models and qualitative descriptive analysis. The results of this research iMagelang is an institutional, not personal innovation, whose existence can be sustainable and has the potential to be developed because of the ecosystem / innovation environment that supports continuity of implementation. In its implementation, iMagelang has felt the benefits for the community but still contributes little in increasing the number of library service visits, which means it is also relatively small in increasing access to community literacy. Limited public ownership of devices and networks for iMagelang access, Lack of understanding level of user community, lack of number and type of literacy collections and lack of socialization are factors causing the low contribution of iMagelang implementation in improving access to community literacy. Socialization is a potential factor that the Magelang City Public Library can do to increase iMagelang access, although it still needs further research at the level its effectiveness.
Co-Authors Khoirul Hikmah Leny Adriana Mesah Muhammad Firdaus B. Y. Purbudi Wahyuni