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All Journal JIET (Jurnal Ilmu Ekonomi Terapan) Jurnal Layanan Masyarakat (Journal of Public Service)
Fitriyana, Zidna
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Humanities Decision Sciences, Operations Research & Management Environmental Science Social Sciences Other

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How the Consumer Confidence Index Affect the Credit Growth in Indonesia? Alif, Pevi Fitria Kartika; Ajija, Shochrul Rohmatul; Fitriyana, Zidna; Setyorini, Wahyu
Jurnal Ilmu Ekonomi Terapan Vol. 10 No. 1 (2025)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v10i1.72079

Abstract

Credit has a positive role in encouraging economic growth in Indonesia. A factor that can influence the level of credit distribution is consumer confidence in economic conditions. Therefore, this research aims to examine the influence of the consumer confidence index and several other factors, such as inflation, third-party funds, and credit interest rates on commercial bank credit distribution in Indonesia. By using time series data for the period 2008:1-2019:12 and the Ordinary Least Square (OLS) method, this research shows that the level of consumer confidence in Indonesia’s economic conditions has a positive effect on credit distribution. The higher inflation encourages customers to apply for more credit. Apart from that, the high and low levels of credit disbursement were also positively influenced by the amount of third-party funds but were not affected by high or low credit interest rates. Thus, keeping consumer confidence high and inflation under control even though it is increasing, and raising the number of third-party funds is essential so that the economy continues to grow through the transmission of credit lines.
HOUSEWIVES EMPOWERMENT THROUGH WASTE RECYCLE BAGS TRAINING Ajija, Shochrul Rohmatul; Rumayya; Rahmawati, Yessi; Munawaroh, Siti; Fitriyana, Zidna; Setyorini, Wahyu; Alif, Pevi; Sellawati, Mei
Jurnal Layanan Masyarakat (Journal of Public Services) Vol. 8 No. 2 (2024): JURNAL LAYANAN MASYARAKAT
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jlm.v8i2.2024.148-161

Abstract

The Garbage Bank is a strategy for implementing the Reduce, Reuse, Recycle (3R) principles in waste management in society. Airlangga University through the community program held a Garbage Bank activity located in RT 20 Tanah Kali Kedinding Village. This activity was attended by ten participants from housewives in the area. Since 2020, the Garbage Bank in this area has been carried out, however it still needs a follow-up community service programs so that the Garbage Bank becomes more representative and productive. The Surabaya City Government's policy that prohibits the use of plastic bags in shops/malls provides an opportunity for the Kali Kedinding Land Waste Bank Manager to process inorganic waste into useful and economically valuable items such as shopping bags. In this regard, housewives as waste bank managers also have a strong will to manage inorganic waste. However, there are several problems related to the development of expertise in making shopping bags from inorganic household waste. Not all housewives have a good understanding of using inorganic waste and processing it into shopping bags that have a sale value. Based on these problems, this community service program is directed at providing training on sewing bags from inorganic household waste, training on selling products online through marketplaces, training on business financial management, and training on business organizational governance. The training was conducted in four meetings with a different topic each week. It is hoped that this program can increase awarness about waste management and improve the community's economy.  This is in accordance with the indicators of the Sustainable Development Goals (SDGs), namely increasing economic growth, productive employment opportunities, and decent work for the community, and focusing on the efficient use of resources, minimizing waste, and increasing the production of recycled waste in the environment.
Co-Authors Alif, Pevi Alif, Pevi Fitria Kartika Rumayya Sellawati, Mei Shochrul Rohmatul Ajija Siti Munawaroh Wahyu Setyorini Yessi Rahmawati