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All Journal Scientific Journal of Reflection : Economic, Accounting, Management and Business JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi)
Kabba, Melkianus Nedi
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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.
Ketimpangan Job Fair dan Ketidakpedulian Struktural Pemerintah terhadap Pengangguran di Indonesia Lawalu, Emiliana Martuti; Tanau, Maria Karolina; Emilrensi, Anasthasya Nathaleoni; Bolla, Larasti Viktoria; Kabba, Melkianus Nedi
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.v8i3.1148

Abstract

This research examines the inequality of job fairs and the structural indifference of the Indonesian government towards unemployment, with a focus on the mismatch between labor market needs and the job market policies. The study uses a descriptive qualitative approach through library research, focusing on the exploration of concepts, theories, and a critical analysis of the phenomena of job fair inequalities and the government's labor policies in the context of structural unemployment in Indonesia. The primary aim of the research is to explore how government policies, including job fairs, either exacerbate or alleviate structural unemployment in Indonesia. This study relies on secondary data sources, including official government documents (e.g., reports from Statistics Indonesia and the Ministry of Manpower), media articles, and scholarly literature. Data is collected through documentation and content analysis techniques. The data is analyzed using content analysis and thematic analysis techniques, which include data reduction, categorization, interpretation, and conclusion formulation. The findings show a significant disparity between job opportunities provided by job fairs and the actual labor market needs, highlighting a critical gap in government policies. Structural indifference, particularly in policy implementation and adaptation, is evident in the mismatch between educational outcomes and employment opportunities.
Co-Authors Bolla, Larasti Viktoria Emiliana Martuti Lawalu Emilrensi, Anasthasya Nathaleoni Liu, Gracentya R. A Faku Tanau, Maria Karolina Wea, Aqualina