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All Journal Warmadewa Management and Business Journal (WMBJ) Jurnal Pengabdian kepada Masyarakat Nusantara
Ahmad, Azizah Akbariani
Unknown Affiliation
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Pelatihan Eco Enzyme: Respon Tanggap Darurat Sampah Dan Pemberdayaan Ibu PKK Kelurahan Teluk Dalam Di Banjarmasin Masita Dewi, Dian; Sadikin, Ali; Juniar, Asrid; Ahmad, Azizah Akbariani; Rizkya, Shafa; Dwi Apriliyani, Evy Laili
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 4 (2025): Edisi Oktober - Desember
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v6i4.7766

Abstract

Program Pengabdian kepada Masyarakat (PkM) ini merupakan respons terhadap krisis pengelolaan limbah di Kota Banjarmasin, yang secara resmi mengumumkan status darurat sampah pada 1 Februari 2025, dengan timbulan sampah harian mencapai 476 ton. Program ini menargetkan 20 ibu rumah tangga anggota PKK Kelurahan Teluk Dalam, Banjarmasin. Metodenya meliputi sosialisasi, pelatihan pembuatan dan pemanfaatan Eco Enzyme skala rumah tangga, serta evaluasi menggunakan kuesioner pre-test dan post-test secara kualitatif dan kuantitatif. Tujuannya adalah mengedukasi masyarakat, khususnya ibu rumah tangga, dalam mengolah limbah organik menjadi Eco Enzyme multifungsi dan memanfaatkannya untuk berbagai kebutuhan rumah tangga hingga kesehatan. Pelaksanaan PkM ini juga merupakan bentuk respons ULM terhadap status darurat sampah, sejalan dengan Instruksi Wali Kota Banjarmasin Nomor 100.3.4.3/0360/SEKR-DLH/III/2025 tentang wajib memilah sampah. Hasil evaluasi menunjukkan peningkatan pengetahuan dan pemahaman peserta serta peningkatan motivasi untuk memproduksi Eco Enzyme secara konsisten. Program ini terbukti sangat efektif, dapat direplikasi, dan memberikan solusi berkelanjutan untuk pengelolaan sampah organik, mengurangi beban TPA, serta memberdayakan komunitas
Profitability Stability and Liquidity Risk Mitigation: An Empirical Analysis of Indonesian Guarantee Institutions Ahmad, Azizah Akbariani; Karimah, Husna; Akbar, Muhammad Ariq Athallah
Warmadewa Management and Business Journal (WMBJ) 42-51
Publisher : Fakultas Ekonomi Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/wmbj.6.1.2026.42-51

Abstract

This study examines the resilience of profitability (Return on Assets) within Indonesian Guarantee Institutions, specifically focusing on withstanding the stress testing triggered by the COVID-19 pandemic. Adopting a quantitative approach, this research analyzed monthly secondary data from the Financial Services Authority (OJK) spanning January 2016 to June 2022 to capture the complete crisis cycle, from the initial stability phase to the subsequent recovery. The data analysis utilized Multiple Linear Regression via the Ordinary Least Squares (OLS) method on 76 observations following data transformation. The empirical results revealed a "Solvency Paradox," wherein the Solvency Margin Ratio (SMR) exerted a significant negative effect on ROA, suggesting capital allocation inefficiencies stemming from overly conservative management policies. In contrast, the Liquidity Ratio and Capital Adequacy Ratio demonstrated significant positive impacts, functioning as essential pillars of financial resilience and primary shock absorbers during periods of volatility. Furthermore, the Incurred Claims ratio and Gearing Ratio yielded no significant effect; this reflects the efficacy of risk transfer mechanisms through reinsurance in insulating net profits from operational shocks. Managerial implications emphasize the necessity of strategic repositioning—moving beyond passive capital accumulation toward the optimization of liquid investment instruments to sustain an equilibrium between financial security and profitability.
Co-Authors Akbar, Muhammad Ariq Athallah Ali Sadikin Asrid Juniar Dwi Apriliyani, Evy Laili Husna Karimah Masita Dewi, Dian Rizkya, Shafa