Garuda - Garba Rujukan Digital

COVID-19 Pandemic: Impact on Net Interest Margin of Indonesian Banking Industry Hidayat, Ariodillah; Liliana; Gustriani; Shodrokova, Xenaneira; Hakim, Muhammad Nur
SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS SIJDEB, Vol. 8, No. 1, March 2024
Publisher : Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/sijdeb.v8i1.23-44

The study explores factors affecting Net Interest Margins (NIM) in Indonesia's Core Capital Bank Groups. Using data from Jan 2021 to Mar 2022 and the Error Correction Model, it finds negative short-term correlations between BOPO and LDR with NIM in KBMI 1 and positive long-term correlations with BI Rate. KBMI 2 exhibits negative short-term correlations between inflation and LDR with NIM. KBMI 3 shows negative short-term correlations with Covid-19, LDR, and BOPO with NIM. KBMI 4 experiences negative impacts from BOPO, Covid-19, and LDR on NIM in both short and long terms. The study emphasizes the importance of managing operational costs and credit distribution for NIM stability in the short term and highlights the significant influence of Bank Indonesia's benchmark interest rate policy on NIM in the long term, requiring careful adjustments to prevent excessive fluctuations.

EMPOWERING STUDENTS: TRAINING IN FRAGRANT CARBOL PRODUCTION AS A BUSINESS OPPORTUNITY AT RAUDHATUL ULUM SAKATIGA ISLAMIC BOARDING SCHOOL Yulianita, Anna; Marwa, Taufiq; Asngari, Imam; Rohima, Siti; Hermawati, Lisa; Sari, Rela; Muflicha, Haqqie; Shodrokova, Xenaneira; Dian Sari, Okta
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 8, No 2 (2025): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v8i2.565-574

Kegiatan pengabdian masyarakat ini bertujuan untuk memberikan pelatihan pembuatan karbol wangi kepada santri di Pesantren Raudhatul Ulum Sakatiga, Indralaya, Ogan Ilir, sebagai upaya untuk meningkatkan keterampilan dan membuka peluang usaha. Diikuti oleh 40 santri, pelatihan ini meliputi sosialisasi tentang pentingnya kewirausahaan, pemahaman dasar mengenai bahan kimia yang digunakan, serta praktik langsung dalam pembuatan karbol wangi. Meskipun peserta menunjukkan antusiasme yang tinggi, evaluasi kegiatan menemukan bahwa beberapa santri masih memerlukan bimbingan lebih lanjut dalam teknik produksi dan strategi pemasaran. Dengan demikian, kegiatan ini diharapkan dapat menjadi langkah awal bagi santri untuk mengembangkan usaha mandiri di bidang pembuatan produk pembersih rumah tangga, serta meningkatkan pengetahuan mereka dalam kewirausahaan. Pengembangan lebih lanjut dalam bentuk pelatihan tambahan dan pendampingan diharapkan dapat memperkuat keterampilan dan kesiapan santri dalam memasuki pasar.

Increasing Fintech Literacy and Investment in Indonesia's Capital Market for Educators in Supporting Community Welfare in Palembang City Hidayat, Ariodillah; Suhel; Liliana; Yunisvita; Andaiyani, Sri; Nida, Rahma; Shodrokova, Xenaneira
Community Development Journal Vol 9 No 2 (2025): Community Development Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/cdj.v9i2.6980

This service was held to improve financial literacy in technology (fintech), finance, and understanding of capital market investment for educators at Dharma Bhakti Junior High School, Palembang City, South Sumatra. The target of this activity is as many as 33 teachers who participate in the training and counseling program which includes the provision of financial literacy materials, fintech, investment practices in the capital market, and at the end of the activity there is an evaluation through filling out a questionnaire. The methods used in this service include interactive education sessions, investment practices using simulation applications, and group discussions to deepen participants' understanding. The results of this activity showed a significant increase in the level of financial literacy, introduction to fintech, and the ability to invest in the capital market by educators. This service shows a better understanding of capital market concepts, investment risks, and diversification strategies, which are expected to be applied in daily life as well as disseminated to students and the community by educators. Thus, this program has succeeded in achieving its goal of empowering educators as agents of change in improving financial literacy and inclusion.

Household Economic Management Training for Achieving Family Well-Being in Kota Daro Village, Ogan Ilir Regency Hidayat, Ariodillah; Mardalena, Mardalena; Andaiyani, Sri; Liliana, Liliana; Shodrokova, Xenaneira
Jurnal Pengabdian UNDIKMA Vol. 6 No. 2 (2025): May
Publisher : LPPM Universitas Pendidikan Mandalika (UNDIKMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jpu.v6i2.14593

This community service aims to increase the awareness, attitudes, skills, and abilities of family members in managing household finances effectively. The community service method used in this activity is educational-participatory, through interactive service that actively involves residents in the learning process about basic concepts of household finance, budget planning, and saving strategies. The target subjects in this activity are heads of families and MSME actors in Daro City Village, Ogan Ilir Regency, especially heads of families and housewives. The evaluation instrument used was a closed questionnaire, which was distributed after the training activities were completed. The data analysis technique uses quantitative descriptive by using percentages to show the level of response of participants to the level of understanding, motivation, readiness to implement financial strategies, and obstacles still faced in household economic management. The results of the service show that the participants' understanding of financial management has increased. This service fosters greater awareness of the importance of budgeting, prioritizing needs over wants, and maintaining financial discipline in the household. Participants also realized the importance of openness, honesty, and cooperation between family members in achieving long-term financial stability.

Increasing capital market literacy for MSMEs in business development in Palembang City Hidayat, Ariodillah; Liliana, Liliana; Andaiyani, Sri; Gustriani, Gustriani; Shodrokova, Xenaneira
Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat Vol. 9 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jpm.v9i1.9832

This community service activity aims to improve financial literacy and increase capital market understanding in 33 Micro, Small and Medium Enterprises (MSMEs) in Ilir Barat II Palembang City. The initiative, which was carried out in collaboration with the local government and the Faculty of Economics, Sriwijaya University, focused on providing literacy and training in financial markets. The goal is to equip MSME entrepreneurs with important skills for business development. The initiative addresses challenges such as limited financial knowledge and reliance on bank loans. Utilizing a collaborative approach, the program includes lectures, discussions, and evaluations. The results showed a positive response from participants, with increased awareness and interest in participating in the capital market. The significance of the location as a Palembang Songket Handicraft center and liaison shows the relevance of the program. The success of this initiative has positive implications for MSMEs, encourages a better understanding of capital markets, and fosters potential participation in the Initial Public Offering (IPO) process. Overall, community service programs contribute to improving economic literacy and opening opportunities for MSMEs to find alternative sources of funding for business development.

The impact of the blue economy and renewable energy on CO2 emissions in Indonesia: An ARDL approach Shodrokova, Xenaneira; Yulianita, Anna; Bashir, Abdul; Asngari, Imam; Hidayat, Ariodillah
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 12 No. 3 (2024): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v12i3.34183

Indonesia, the largest archipelagic country in the world with rich marine biodiversity, has significant potential for developing a blue economy encompassing aquaculture, sustainable fisheries, and maritime tourism. However, if not managed sustainably, these activities could increase CO2 emissions. Indonesia is also among the world's highest emitters of greenhouse gases, largely due to deforestation, forest burning for agriculture, and reliance on fossil fuels in the energy sector. Given global commitments to reducing emissions and mitigating climate change, this research explores how the blue economy and the transition to renewable energy can contribute to lowering CO2 emissions. This study examines both short- and long-term impacts using the Autoregressive Distributed Lag (ARDL) approach. The findings reveal that while increased aquaculture production initially reduces CO2 emissions due to efficiency gains and environmentally friendly technologies, its long-term effects are more complex and may lead to higher emissions. On the other hand, renewable energy consumption significantly reduces CO2 emissions in the short and long term. Conversely, higher energy intensity contributes to increased CO2 emissions, which can be mitigated through improved energy efficiency.

THE ROLE OF GREEN FINANCING IN SUPPORTING SUSTAINABLE BUSINESS FOR MSMES IN TUNAS AUR VILLAGE, INDRALAYA DISTRICT, OGAN ILIR REGENCY Hidayat, Ariodillah; Liliana, Liliana; Pertiwi, Rasyida; Yunisvita, Yunisvita; Andaiyani, Sri; Nida, Rahma; Butra Aini, Halia; Nopri Yarsyah, Waldi; Shodrokova, Xenaneira
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 7, No 2 (2024): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v7i2.642-653

Micro, Small and Medium Enterprises (MSMEs) play a crucial role in the economy, contributing significantly to economic growth and job creation. However, MSMEs often face challenges, particularly in terms of limited access to financial resources needed for innovation and growth. Meanwhile, sustainability and environmental protection are increasingly becoming a global concern, encouraging the role of green financing as a solution to encourage environmentally friendly businesses. This research focused on Tunas Aur Village, Ogan Ilir Regency, involving 20 MSME participants. Through literacy and training activities, participants are given an in-depth understanding of the importance of green financing, with an approach involving lectures, discussions, and experiential learning using peer to peer lending applications, crowdfunding, and digital wallets. A total of 20 MSME participants in Tunas Aur Village illustrated that green financing literacy and training can create positive understanding and motivation for MSME actors in adopting sustainable business practices. In conclusion, this activity succeeded in increasing the understanding and interest of MSME participants in green financing, opening up potential for similar developments in the future, and providing valuable insights for improving MSME business sustainability through the application of green financing.

EMPOWERING STUDENTS: TRAINING IN FRAGRANT CARBOL PRODUCTION AS A BUSINESS OPPORTUNITY AT RAUDHATUL ULUM SAKATIGA ISLAMIC BOARDING SCHOOL Yulianita, Anna; Marwa, Taufiq; Asngari, Imam; Rohima, Siti; Hermawati, Lisa; Sari, Rela; Muflicha, Haqqie; Shodrokova, Xenaneira; Dian Sari, Okta
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 8, No 2 (2025): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v8i2.565-574

Kegiatan pengabdian masyarakat ini bertujuan untuk memberikan pelatihan pembuatan karbol wangi kepada santri di Pesantren Raudhatul Ulum Sakatiga, Indralaya, Ogan Ilir, sebagai upaya untuk meningkatkan keterampilan dan membuka peluang usaha. Diikuti oleh 40 santri, pelatihan ini meliputi sosialisasi tentang pentingnya kewirausahaan, pemahaman dasar mengenai bahan kimia yang digunakan, serta praktik langsung dalam pembuatan karbol wangi. Meskipun peserta menunjukkan antusiasme yang tinggi, evaluasi kegiatan menemukan bahwa beberapa santri masih memerlukan bimbingan lebih lanjut dalam teknik produksi dan strategi pemasaran. Dengan demikian, kegiatan ini diharapkan dapat menjadi langkah awal bagi santri untuk mengembangkan usaha mandiri di bidang pembuatan produk pembersih rumah tangga, serta meningkatkan pengetahuan mereka dalam kewirausahaan. Pengembangan lebih lanjut dalam bentuk pelatihan tambahan dan pendampingan diharapkan dapat memperkuat keterampilan dan kesiapan santri dalam memasuki pasar.

Title

Found 8 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 8 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 8 Documents
Search