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All Journal Jurnal Riset Akuntansi dan Keuangan Jurnal Pemberdayaan Masyarakat Indonesia (JPMI)
Hermanto, Florentina Elena
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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The Effect of Inflation Rate, BI Rate, and Income Per Capita of Indonesia on Spread Based Income of Conventional Banking Sector in 2014-2023 Christie, Florencia; Hermanto, Florentina Elena; Kosasih, Valerie Angela; Huda, Aulia Nurul
Jurnal Riset Akuntansi dan Keuangan Vol 12, No 3 (2024): Jurnal Riset Akuntansi dan Keuangan. Desember 2024 [DOAJ dan SINTA Indexed]
Publisher : Program Studi Akuntansi FPEB UPI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jrak.v12i3.72552

Abstract

The banking industry is an important member of Indonesia’s economy as an intermediary that circulates the country’s money. The purpose of this study is to ascertain the effects of certain economic variables, namely, inflation, interest rate, and income per capita towards the banking industry’s main source of income known as spread based income. This study employs time series regression to analyze data collected from Bank Indonesia, Indonesia Banking Statistics, and Statistics Indonesia. The research provided results that indicate a positive yet insignificant relationship between inflation and spread based income, a negative and insignificant relationship between interest rate and spread based income, as well as a negative and significant relationship between income per capita and spread based income.
Pemberdayaan Pengembangan Inovasi Produk bagi UMKM Aneka Kue Almira Hermanto, Florentina Elena; Lisha, Lisha; Anwar, Cayla Latisha; Ahmad, Faizal
Journal Pemberdayaan Masyarakat Indonesia Vol 6 No 2 (2024): Jurnal Pemberdayaan Masyarakat Indonesia (JPMI)
Publisher : Pusat Pengabdian kepada Masyarakat (PPKM) Universitas Prasetiya Mulya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21632/jpmi.6.2.197-205

Abstract

This paper explores about the empowerment process of innovation development for the rural micro-business partner, Aneka Kue Almira that located in Cilaja Village, Kuningan Regency. The purpose of this empowerment activity is to enhance the partner's understanding of the importance of product innovation and the stages they must go through. In addition, this activity is expected to strengthen the business partner's skills through collaborative practices carried out together with the community service team. The empowerment activities adopt a participatory approach, involving business owners, to develop sustainable innovation strategies that enhance competitiveness and market reach. The results of this empowerment showed the creation of understanding and skills in making products based on research or market desires. Moreover, a new innovative product was created, cake pops, aimed at the school children market segment. This innovation development model for small businesses can serve as a reference for similar businesses in other rural areas.
Co-Authors Anwar, Cayla Latisha Aulia Nurul Huda Christie, Florencia Faizal Ahmad, Faizal Kosasih, Valerie Angela Lisha, Lisha