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INDONESIA
Jurnal Kajian dan Penelitian Umum
Published by Sekolah Tinggi Agama Buddha Nalanda
ISSN : 29859573     EISSN : 29858666     DOI : 10.47861
Core Subject : Economy, Science, Education, Social,
Computer Science & IT Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other
Ruang lingkup karya yang diterbitkan mencakup Multidisiplin diantaranya yaitu: Ilmu Sosial Humaniora, Pertanian, Kesehatan, Peternakan, perikanan, Politik, Pendidikan, Ilmu Teknik, Teknik Elektro dan Informatika, Desain Komunikasi Visual, Manajemen, Ekonomi dan Akuntansi, Kewirausahaan dan Bisnis
Arjuna Subject : Umum - Umum
Articles 245 Documents
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Pemanfaatan Media Visual untuk Meningkatkan Pemahaman Pembelajaran Ekonomi dalam Kurikulum Merdeka Berbasis Deep Learning di SMA Negeri 1 Surakarta Salma Salsabila; Victonia Anggraini
Jurnal Kajian dan Penelitian Umum Vol. 3 No. 6 (2025): Desember: Jurnal Kajian dan Penelitian Umum
Publisher : Institut Nalanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47861/jkpu-nalanda.v3i6.1993

Abstract

This study aimed to examine the use of visual learning media in economics lessons, based on the deep learning-based Independent Curriculum at SMA Negeri 1 Surakarta. This study employed a qualitative approach with a descriptive design. The informants included economics teachers and grade X.11 students at SMA Negeri 1 Surakarta. Data collection involved interviews, direct observation, and documentation. The results indicated that the use of visual learning media in economics lessons has not been optimally implemented and is still dominated by conventional learning media, such as whiteboards accompanied by verbal explanations. This situation reflects a discrepancy between classroom learning and the demands of the Independent Curriculum, which prioritizes meaningful learning through deep learning. To address this issue, students in the Introduction to School Environment (PLP) program implemented visual learning media, one of which was a smart box, to create a more engaging, interactive, and enjoyable learning process. The application of this visual learning media has been shown to improve students' understanding of economic activities and encourage student activeness in the question-and-answer process, resulting in more meaningful learning in accordance with the principles of the deep learning-based Independent Curriculum.
Studi Kelayakan Bisnis Produk “Toping Tahu Heboh (TOP Tahu) Khairun Nisa, Seftya; Miradji, M. Affrizal; Stifani, Dwi Julia; Arditya Rangga , Muhammad Arya; Argitama, Jovian
Jurnal Kajian dan Penelitian Umum Vol. 3 No. 6 (2025): Desember: Jurnal Kajian dan Penelitian Umum
Publisher : Institut Nalanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47861/jkpu-nalanda.v3i6.2015

Abstract

This business feasibility study aims to evaluate the viability of the “Toping Tahu Heboh (TOP Tahu)” venture, an innovative stuffed tofu (tahu bakso) product enhanced with various toppings such as sausage, bird’s eye chili, and original/plain variants. The research employs comprehensive analysis covering market, technical, management, and financial aspects of a practical snack targeted primarily at students, young workers, and social-media-active Gen Z and millennial consumers. Market analysis reveals strong demand for innovative, convenient, and visually appealing affordable snacks. Technically, the production process is relatively simple, utilizing easily obtainable raw materials and controllable operational costs. The SWOT analysis highlights strengths in product uniqueness and competitive pricing, despite weaknesses in limited capital and threats from intense competition and raw material price fluctuations. Financial evaluation demonstrates attractive profit margins, with adjusted cost of goods sold per pack (3 pieces) and promising profitability potential as sales volume increases. Overall, based on all examined aspects, the “TOP Tahu” business is deemed feasible and possesses strong development prospects, particularly through enhanced by digital marketing optimization and continuous product innovation. This study also serves as practical application of entrepreneurship concepts for university students.  
Studi Kelayakan Bisnis Produk Cireng Stik Panir (Cistar) M. Affrizal Miradji; Rohma Desi Ulfinda Sari; Grecencia Noyarto Dwiano; Ratih Purwati Ningsih; Sheli Rachmawati
Jurnal Kajian dan Penelitian Umum Vol. 3 No. 6 (2025): Desember: Jurnal Kajian dan Penelitian Umum
Publisher : Institut Nalanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47861/jkpu-nalanda.v3i6.2018

Abstract

Cireng Stik Panir (CISTAR) is an entrepreneurial project of Accounting students at Universitas PGRI Adi Buana Surabaya in order to fulfill the assignment for the Business Feasibility Study course. This product is a snack innovation that combines traditional cireng made from tapioca flour with a spicy Indonesian shredded chicken filling, shaped like an ice cream stick, and coated with breadcrumbs to produce a crispy texture on the outside and chewy on the inside. The activity was carried out for two weeks (October 1 and 8, 2025) at UNIPA Dukuh Menanggal Campus II through direct sales and online marketing using WhatsApp and Instagram. The initial capital of IDR 200,000 was obtained from contributions from four team members, with an effective production cost of IDR 112,230 for 40 pcs, resulting in a COGS of IDR 2,806 per pc and a profit of IDR 26,570 (margin ≈26%). The SWOT analysis shows strengths in the uniqueness of taste and shape, great opportunities in the spicy snack and frozen food market, but has weaknesses in product durability and the threat of intense competition. This project successfully developed students' financial independence, entrepreneurial spirit, decision-making skills, and creativity through hands-on experience in production, distribution, marketing, and consumer interaction. CISTAR has the potential to develop into a sustainable business through innovative flavors and expanded sales channels.
Analisis Kinerja Keuangan PT Bank Rakyat Indonesia (Persero) Tbk Tahun 2023–2024 Berdasarkan Rasio Keuangan Perbankan Konvensional Sheli Rachmawari; Widiar Onny Kurniawan; Seftya Khairun Nisa; Choirul Alam
Jurnal Kajian dan Penelitian Umum Vol. 3 No. 6 (2025): Desember: Jurnal Kajian dan Penelitian Umum
Publisher : Institut Nalanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47861/jkpu-nalanda.v3i6.2039

Abstract

This study aims to analyze the financial performance of PT Bank Rakyat Indonesia (Persero) Tbk during the 2023–2024 period based on conventional banking financial ratios, including liquidity, profitability, and solvency aspects. The research employs a quantitative descriptive approach using financial ratio analysis consisting of the Loan to Deposit Ratio (LDR), Return on Assets (ROA), Return on Equity (ROE), and Capital Adequacy Ratio (CAR). The data were obtained from BRI’s officially published annual financial reports for 2023 and 2024. The findings reveal that BRI successfully maintained its financial stability amid national economic challenges, with total assets increasing by 1.42% and net profit rising by 9.3%. The LDR ratio of 83.5% indicates efficient credit distribution with sufficient liquidity, while the improved ROA and ROE of 3.3% and 21.2%, respectively, reflect management effectiveness in optimizing assets and equity. Moreover, a CAR of 22.4% confirms BRI’s strong capital adequacy in mitigating financial risks. Overall, this study concludes that BRI’s financial performance during 2023–2024 is highly sound and demonstrates strong adaptability to economic dynamics and digital transformation within the banking industry.
Analisis Kinerja Keuangan PT Bank Central Asia Tbk (BCA) Tahun 2024 Berdasarkan Rasio Profitabilitas, Kualitas Aset, dan Efisiensi Teknologi Informasi Yuli Kurnia Firdausia; Rohma Desi Ulfinda Sari; Dwi Julia Stifani; Ratih Purwati Ningsih
Jurnal Kajian dan Penelitian Umum Vol. 3 No. 6 (2025): Desember: Jurnal Kajian dan Penelitian Umum
Publisher : Institut Nalanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47861/jkpu-nalanda.v3i6.2040

Abstract

This study analyzes the financial performance of PT Bank Central Asia Tbk (BCA) in 2024 through an examination of profitability ratios, asset quality, and efficiency in technological investment. Using a descriptive quantitative approach with secondary data derived from BCA’s official financial reports, the study reveals that BCA achieved a net profit of Rp54.83 trillion, representing 12.74% growth year-on-year, supported by strong operational efficiency and optimal fund management through CASA (Current Account and Savings Account). The Non-Performing Loan (NPL) ratio of 1.8% and Loan at Risk (LAR) of 5.3% demonstrate sound credit quality and effective risk management. Furthermore, the bank’s capital expenditure of Rp4.3 trillion in 2024, focused on digital infrastructure and cybersecurity, enhanced both operational resilience and customer trust. Overall, the findings show that BCA’s success in 2024 was driven by the synergy between financial prudence, technological innovation, and strategic efficiency in responding to the evolving dynamics of Indonesia’s conventional banking sector. This research provides important insights into how BCA manages challenges and opportunities in an increasingly competitive banking industry.

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