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All Journal JUMANJI (JURNAL MANAJEMEN JAMBI) Ovozoa: Journal of Animal Reproduction
Yossy Imam Candika
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Agriculture, Biological Sciences & Forestry Social Sciences Veterinary

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LITERASI KEUANGAN, KUALITAS PELAYANAN, DAN PROSEDUR KREDIT: KUNCI KEPUTUSAN KUR UMKM Bahtera, Novyandri Taufik; Fitri Liani Dewi; Yossy Imam Candika; Eka Lestari Hafqi Putri
JUMANJI (JURNAL MANAJEMEN JAMBI) Vol. 7 No. 2 (2024): JUMANJI (JURNAL MANAJEMEN JAMBI)
Publisher : Fakultas Hukum dan Ekonomi Bisnis

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Abstract

Keterbatasan modal menjadi hambatan utama dalam pengembangan UMKM di Indonesia, meskipun sektor ini memiliki kontribusi besar terhadap perekonomian. Program Kredit Usaha Rakyat (KUR) hadir sebagai solusi, namun pengambilan keputusan untuk mengakses KUR dipengaruhi oleh literasi keuangan, kualitas pelayanan, dan prosedur kredit. Penelitian ini bertujuan untuk menguji hipotesis bahwa ketiga faktor tersebut memiliki pengaruh signifikan terhadap keputusan pengambilan KUR oleh UMKM di Surabaya. Dengan pendekatan kuantitatif, penelitian ini melibatkan 100 responden UMKM yang dipilih menggunakan teknik purposive sampling. Data dianalisis menggunakan regresi linier berganda dengan SPSS versi 26. Hasil penelitian mendukung hipotesis bahwa literasi keuangan, kualitas pelayanan, dan prosedur kredit memiliki pengaruh positif dan signifikan terhadap keputusan pengambilan KUR. Secara simultan, ketiga variabel ini menjelaskan 62,5% variasi keputusan kredit, menunjukkan pentingnya faktor-faktor tersebut dalam pengambilan keputusan pembiayaan. Temuan ini mengindikasikan bahwa upaya peningkatan literasi keuangan, perbaikan kualitas pelayanan, dan penyederhanaan prosedur kredit dapat meningkatkan aksesibilitas UMKM terhadap pembiayaan KUR. Penelitian ini memberikan kontribusi pada pengembangan kebijakan yang mendukung keberlanjutan UMKM melalui penguatan sistem pembiayaan.
Intracervical Artificial Insemination using Frozen Semen of Boer buck on Pote Does at Different Times of Estrus Susilowati, Suherni; Tri Wahyu Suprayogi; Tatik Hernawati; Yossy Imam Candika; Widya Paramita Lokapirnasari
Ovozoa: Journal of Animal Reproduction Vol. 12 No. 1 (2023): Ovozoa: Journal of Animal Reproduction
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ovz.v12i1.2023.18-24

Abstract

Pote goats are kept by the rural community in Bangkalan Regency, Madura Island, Indonesia. Estrus symptoms in goats are usually unclear, causing low fertility. This study aimed to determine the intracervical artificial insemination at early and mid-estrus on the Pote does. The 24 the does were randomly divided into two groups and estrous synchronization with PGF2α of 200 µg intramuscularly, twice injections with 11 days intervals. The T1 groups of estrus the Pote does were inseminated at early estrus (0-12 hours). Meanwhile, T2 groups of estrus the Pote does were inseminated at mid-estrus (12-24 hours after signs of estrus appeared. The insemination conducted artificially using post-thawed Boer semen. The observed variables were non-return rate at day 21 post-insemination (NRR21), and pregnancy rate (PR) based on abdominal palpation diagnosis. The result showed that post-thawed Boer buck was qualified (sperm motility more than 40%) for artificial insemination. All of the Pote does were estrus after twice PGF2α intramuscular injection with 11 days intervals. The onset of estrus was 48-72 hours after the second injection PGF2α. The NRR21 and PR ranged from 66.66-100% and 37.50-66.66%, respectively. The NRR21 and PR of the T2 group were higher than those of the T1 group. It could be concluded that intracervical artificial insemination on Pote the does at mid-estrus were more effective, resulting in higher NRR21 and PR than those at early estrus.
Co-Authors Eka Lestari Hafqi Putri Fitri Liani Dewi Suherni Susilowati Tatik Hernawati Taufik Bahtera, Novyandri Tri Wahyu Suprayogi Widya Paramita Lokapirnasari