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The Influence of Financing on the Loan to Deposit Ratio (LDR) in Baitul Maal Wat Tamwil in Bandung Meilani Nur; Dayyinah Ayunda Rahmawati
Wasīlah: Journal Of Sharia Sciences Vol. 1 No. 1 (2025): Mei
Publisher : Wasīlah: Journal Of Sharia Sciences

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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.
Pengaruh Komunikasi Interpersonal terhadap Partisipasi Masyarakat pada Program Pemberdayaan Desa Meilani Nur; Dayyinah Ayunda Rahmawati
Stigma Jurnal Ilmu Sosial Politik dan Humaniora Vol. 4 No. 1 (2025): Maret 2025
Publisher : Lembaga Riset Ilmiah

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Penelitian ini mengkaji peran komunikasi interpersonal dalam meningkatkan partisipasi masyarakat dalam program pemberdayaan masyarakat desa, khususnya di Desa Nanggerang, Sumedang. Partisipasi masyarakat merupakan faktor penting dalam keberhasilan pembangunan desa, namun dalam pelaksanaannya sering kali menemui kendala komunikasi antara pemerintah daerah dengan warga. Tujuan penelitian ini adalah untuk menguji sejauh mana komunikasi interpersonal mempengaruhi keterlibatan masyarakat dalam inisiatif pemberdayaan. Metode kuantitatif melibatkan 35 responden yang dipilih melalui purposive sampling. Data dikumpulkan menggunakan kuesioner terstruktur dan dianalisis dengan SPSS 24 melalui uji validitas, reliabilitas, linearitas, multikolinearitas, diskriminan, dan regresi linier berganda. Hasil penelitian menunjukkan bahwa komunikasi interpersonal berpengaruh positif dan signifikan terhadap partisipasi masyarakat. Temuan ini menyoroti pentingnya komunikasi yang transparan, empatik, dan suportif antara pejabat desa dan warga masyarakat. Pemerintah desa disarankan untuk berinvestasi dalam pelatihan komunikasi interpersonal bagi para pemimpin daerah dan mengintegrasikan dialog partisipatif ke dalam implementasi kebijakan untuk mendorong pembangunan masyarakat yang berkelanjutan.   This study examines the role of interpersonal communication in increasing community participation in village empowerment programs, with a focus on Nanggerang Village, Sumedang. Community participation is a key factor in the success of rural development. However, its implementation often encounters communication barriers between local governments and residents. The aim of this research is to determine the extent to which interpersonal communication influences community involvement in empowerment initiatives. A quantitative approach was employed, involving 35 respondents selected through purposive sampling. Data were collected using a structured questionnaire and analyzed using SPSS 24 through tests of validity, reliability, linearity, multicollinearity, discriminant validity, and multiple linear regression. The results revealed that interpersonal communication has a positive and significant effect on community participation. These findings underscore the importance of transparent, empathetic, and supportive communication between village officials and residents. It is recommended that village governments invest in interpersonal communication training for local leaders and integrate participatory dialogue into policy implementation to foster sustainable community development.