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All Journal Scientific Journal of Reflection : Economic, Accounting, Management and Business JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi)
Wea, Aqualina
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Economics, Econometrics & Finance

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Analisis Peran dan Fungsi Bank BNI dalam Meningkatkan Perekonomian Masyarakat dengan Menerapkan Sistem Kredit Liu, Gracentya R. A Faku; Wea, Aqualina; Kabba, Melkianus Nedi
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 11 No. 1 (2025): Februari 2025
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v11i1.3492

Abstract

This study analyzes the role and function of Bank BNI in improving the community's economy through a credit system. With a qualitative approach based on interviews, this study aims to explain Bank BNI's contribution to economic growth, especially in rural areas. The results show that Bank BNI plays an important role as a financial intermediary by channeling credit to support small and medium enterprises (SMEs). However, obstacles such as geographical distance and lack of public understanding of the credit process are challenges in the effectiveness of distribution. To overcome this, it is recommended that there be public education, improved service quality, and digital banking innovation. This study concludes that effective credit distribution has a significant impact on economic stability. Suggestions are aimed at improving customer service and community empowerment programs to maximize the benefits of the credit provided. These efforts are important to support sustainable economic growth, especially in areas that are still lagging behind.
Analisis Peran dan Fungsi Bank BNI dalam Meningkatkan Perekonomian Masyarakat dengan Menerapkan Sistem Kredit Liu, Gracentya R. A Faku; Wea, Aqualina; Kabba, Melkianus Nedi
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 11 No. 1 (2025): Februari 2025
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v11i1.3492

Abstract

This study analyzes the role and function of Bank BNI in improving the community's economy through a credit system. With a qualitative approach based on interviews, this study aims to explain Bank BNI's contribution to economic growth, especially in rural areas. The results show that Bank BNI plays an important role as a financial intermediary by channeling credit to support small and medium enterprises (SMEs). However, obstacles such as geographical distance and lack of public understanding of the credit process are challenges in the effectiveness of distribution. To overcome this, it is recommended that there be public education, improved service quality, and digital banking innovation. This study concludes that effective credit distribution has a significant impact on economic stability. Suggestions are aimed at improving customer service and community empowerment programs to maximize the benefits of the credit provided. These efforts are important to support sustainable economic growth, especially in areas that are still lagging behind.
Analisis Inflansi dan Pengaruhnya terhadap Pertumbuhan Ekonomi di Kupang Wea, Aqualina; Dhundu, Maria Gego; Lawalu, Emiliana Martuti
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 8 No. 3 (2025): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v8i3.1136

Abstract

Inflation remains one of the critical macroeconomic challenges affecting regional economic stability, including in Kupang City. The city’s reliance on imported goods, inadequate infrastructure, and volatility in agricultural commodity prices make it particularly vulnerable to inflationary pressures. This study aims to analyze the impact of inflation on economic growth in Kupang by identifying key contributing factors and assessing their implications for macroeconomic performance. A qualitative method was employed using a literature review approach, drawing from empirical studies, policy documents, and theoretical frameworks on inflation and regional development. The analysis integrates public sector accounting perspectives to understand how local fiscal governance responds to inflation-related economic stress. The results indicate that inflation negatively affects household purchasing power, investment levels, and business certainty, thereby hampering economic growth. Furthermore, limitations in infrastructure and weak fiscal planning contribute to inefficient budget allocations and reduced responsiveness to inflationary trends. The study highlights the need for a more transparent and participatory budget planning process, enhanced fiscal control systems, and stronger inter-institutional coordination to mitigate the impact of inflation. These findings offer policy insights for local governments to formulate more effective strategies aimed at inflation control and long-term sustainable growth in Kupang.
Co-Authors Dhundu, Maria Gego Emiliana Martuti Lawalu Kabba, Melkianus Nedi Liu, Gracentya R. A Faku