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All Journal COSMOS Journal of Sustainable Innovation Engineering Jurnal Manajemen dan Ilmu Administrasi
Rahmawati, Dayyinah Ayunda
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The Influence of Adaptive Work Culture on the Performance of Smart Energy Solar Cell Utilization in the Tofu Industry Nur, Meilani; Rahmawati, Dayyinah Ayunda
Journal of Sustainable Innovation Engineering Vol. 1 No. 2 (2025): July
Publisher : Institute Of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/sustainable.v1i2.6

Abstract

This research explores the influence of adaptive work culture on the performance of smart energy solar cell utilization in the tofu industry. As the tofu industry increasingly adopts renewable energy technologies like solar power, understanding the role of employees' adaptability to these changes becomes crucial. The study utilizes a quantitative approach with a sample size of 30 employees involved in the implementation and operation of solar energy systems in tofu production. Data were analyzed using SmartPLS 24 software, applying several analytical methods, including validity, reliability, multicollinearity, R-square, and hypothesis testing. The research finds a significant positive relationship between adaptive work culture and the effective performance of solar energy systems, with key factors such as work flexibility, openness to change, and learning ability contributing to higher operational efficiency and system optimization. The results indicate that fostering an adaptive work culture within the workforce leads to better management, maintenance, and utilization of solar energy technology, enhancing overall production outcomes. Based on these findings, the study concludes that businesses in the tofu industry, and similar small-scale industries, should prioritize cultivating an adaptive work culture to successfully integrate and optimize renewable energy technologies.
Pengaruh Penyaluran Kredit dan Kredit Bermasalah terhadap Rasio Kecukupan Modal: The Influence of Credit Disbursement and Non-Performing Loans on the Capital Adequacy Ratio Nur, Meilani; Rahmawati, Dayyinah Ayunda
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 2 No 3 (2025): April - Mei
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

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Abstract

This study aims to analyze the influence of credit distribution and non-performing loans (NPL) on the capital adequacy ratio (CAR) in the Indonesian banking sector. The research population includes all banks within the Indonesian banking industry, while the sample consists of conventional commercial banks listed under the Financial Services Authority (OJK) for the period 2014-2022. The study applies classical assumption tests such as normality and autocorrelation tests and examines the relationship between variables using SPSS 24. The data analysis is conducted through multiple linear regression. The results reveal that both credit disbursement and non-performing loans (NPL) have a significant and positive impact on banks' CAR. This outcome indicates that while banks continue to extend credit, they are also able to maintain adequate capital levels, suggesting effective risk management and regulatory compliance in handling credit risks.
The Influence of Financing on the Loan to Deposit Ratio (LDR) in Baitul Maal Wat Tamwil in Bandung Mohammad, Wily; Rahmawati, Dayyinah Ayunda; Nur, Meilani
Jurnal Manajemen dan Ilmu Administrasi Vol 1 No 1 (2025): APRIL
Publisher : CV. Lentera Literasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58472/jmia.v1i1.43

Abstract

This study aims to analyze the impact of financing on the Loan to Deposit Ratio (LDR) in BMT (Baitul Maal Wat Tamwil) financial institutions in Bandung. Understanding this relationship is crucial, as the LDR serves as a key indicator of liquidity management and financial stability within Islamic microfinance institutions like BMT. The research population includes all financial reports, particularly balance sheet reports, from BMT financial institutions operating in Bandung City. A sample was taken from financial reports covering the period from 2015 to 2023. The collected data was processed using the LDR (Loan to Deposit Ratio) formula and analyzed through various statistical methods using SPSS 24, including simple linear regression analysis, correlation analysis, and the t-test, to assess the significance and strength of the relationship between financing and LDR. The findings of the study indicate that financing does not have a significant effect on the LDR of BMT institutions in Bandung City. This suggests that LDR is influenced by multiple factors beyond financing alone. Other key determinants include third-party funds, the level of deposits, and the equity owned by BMT institutions, which play a crucial role in shaping liquidity ratios. These findings highlight the complexity of liquidity management in Islamic financial institutions and suggest that a more comprehensive approach is needed to evaluate the factors affecting LDR.
Co-Authors Mohammad, Wily Nur, Meilani