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All Journal Lingkar Ekonomika: Jurnal Ilmu Ekonomi dan Studi Pembangunan Masyarakat Berkarya: Jurnal Pengabdian dan Perubahan Sosial
Anandhiya Intan Prabandari
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Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Public Health

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Optimalisasi Pengelolaan Usaha Bumdes Loh Jinawi Dalam Meningkatkan Kesejahteraan Ekonomi Masyarakat Desa Berkelanjutan di Purbalingga Anandhiya Intan Prabandari; Rinny Apriliany Zakaria; Febyana Putri Komalasari; Dian Isnawati; Sausan Nuhaa Maisaroh; Laurensia Claudia Pratamo
Masyarakat Berkarya : Jurnal Pengabdian dan Perubahan Sosial Vol. 2 No. 1 (2025): Februari : Masyarakat Berkarya : Jurnal Pengabdian dan Perubahan Sosial
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/karya.v2i1.1116

Abstract

Village-Owned Enterprises (BUMDes) are business units that are jointly owned and managed by the village government and the local community. The establishment of BUMDES aims to exploit economic potential and improve the welfare of village communities. One of the BUMDes highlighted in this study is BUMDes Loh Jinawi which is located in Tunjungmuli Village, Karangmoncol District, Purbalingga Regency. In its development, Tunjungmuli Village is still faced with geographical challenges and inadequate infrastructure. BUMDes Loh Jinawi manages four main business units, namely Pertashop, Pamsimas, Markets, and innovations in the agricultural sector so that they can meet the basic needs of the community. Pertashop provides access to fuel, Pamsimas ensures clean water supply, Markets support local trade, and agricultural units increase food security and farmer incomes through sustainable practices. These initiatives have significantly improved the quality of life and economic opportunities for local residents, especially farmer groups. Through participatory management and community involvement, BUMDes Loh Jinawi has fostered a sense of belonging among residents while overcoming socio-economic challenges. The authors contributed by facilitating observations, workshops and mentoring to improve BUMDes operations. In a series of community service activities, it was found that optimizing the management of BUMDes Loh Jinawi can be done in two ways, namely assisting with management practices to increase access to basic services and empowering the surrounding community economically and socially. This study provides a replicable model for sustainable rural development.
Analisis Pengaruh Spread Tingkat Suku Bunga, Rasio Keuangan Bank (CAR, NPL, LDR), dan BI Rate terhadap Penyaluran Kredit Umkm pada Bank Umum Go Public di Indonesia Muhammad Ilham Ashari; Anandhiya Intan Prabandari; Viviana Mayasari
Lingka Ekonomika Vol 5 No 1 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/jle.v5i1.18099

Abstract

This study aims to analyse the effect of the Interest Rate Spread (NIM), CAR, NPL, LDR, and BI Rate on MSME lending by publicly listed commercial banks in Indonesia during the period 2010–2015, using the panel data regression method with a Fixed Effect Model (FEM) approach. The results indicate that NIM has a positive but insignificant effect, CAR and LDR have positive and significant effects, NPL has a negative and significant effect, while the BI Rate has a negative and insignificant effect on MSME lending. The findings imply the importance of the role of the government, Bank Indonesia, and the Financial Services Authority (OJK) in strengthening MSME support and maintaining the stability and supervision of banking financial ratios to enhance MSME credit distribution optimally.
Co-Authors Dian Isnawati Febyana Putri Komalasari Laurensia Claudia Pratamo Muhammad Ilham Ashari Rinny Apriliany Zakaria Sausan Nuhaa Maisaroh Viviana Mayasari