Universitas Proklamasi 45 Online Journals
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Impact of Credit and Liquidity Risk on Profitability: The Conventional Rural Banks in Riau Islands Province
Get PDFThe Covid-19 pandemic drastically changed the world economy, resulting in Indonesia experiencing an economic decline and deflation. The banking industry played a significant role in building the economy, so the financial services authority issued a circular letter regarding the provisions for implementing risk management for conventional rural banks and the new rules for implementing credit restructuring. This study analyzed the impact of credit and liquidity risk of conventional rural banks in the Riau Islands on profitability. Data were extracted from the financial services authority publication report of 42 conventional rural banks in Riau Islands during 2017-2021. The results of panel data analysis with the fixed effect model (FEM) showed that all risks were significantly associated with profitability (ROA), the authors found that the capital adequacy ratio had a positive significance, and the non-performing loan, liquid asset to total asset, loan to deposit ratio, and cash to deposit ratio harmed ROA. The results showed that bank risk management was needed to maintain the profitability of rural banks in Riau Islands Province
The Treatment of Musi River Water Sample using Slow Sand Filter and Ultraviolet Radiation (UV) with Solar Cell Power Sources
Get PDFThe Musi River\u27s water is typically used to meet everyday needs. However, because of the current high population and activities, industrial and domestic garbage are being dumped straight into the Musi River. The purpose of this research was to study the variables that affect the processing of the Musi Riiver Water Samples to get the quality standard requirements of the third-grade river water. Water is filtered using a slow sand filter with a 50–70 cm sand height fluctuation and four different UV irradiation times 15, 30, 45, and 60 minutes. The results of this investigation showed that 2% DO was obtained for the filtration of Musi River water using a slow sand filter with a height of 70 cm sand. BOD5 and COD degradation were determined to be 82% and 93%, respectively. Meanwhile, 29/100 ml of E. Coli was discovered for the UV radiation therapy after a 60-minute irradiation period.
ANALYSIS OF RIVER POLLUTION LEVEL DUE TO TOFU INDUSTRY WASTE USING THE POLLUTION INDEX METHOD IN BATURETNO VILLAGE, BANTUL
Get PDFCurrently, the industrial sector in Indonesia is increasingly growing and diversifying, resulting in various industries contributing significantly to the discharge of liquid waste into rivers. The liquid waste from tofu production contains high levels of organic substances such as COD and BOD. The tofu industry in Karangturi Padukuhan, Baturetno Village, Bantul, Yogyakarta, produces wastewater of 6000 liters per day. This wastewater is directly discharged into the river streams without any prior treatment, which can harm the aquatic life in the river and disrupt the river\u27s water quality. The study aims to analyze the river water quality impacted by tofu waste using the pollution index method and to assess the compliance of the wastewater with water quality standards. The research methodology includes quantitative and qualitative methods, involving data collection through literature sources and the measurement of physical and chemical parameters by laboratory testing. The study indicates that the wastewater produced by the tofu factory exceeds the water quality standards for the river flowing. Based on the pollution index (IPj) method, the river flowing through Karangturi Padukuhan, Baturetno Village, Bantul, experiences mild pollution, which IPj value have varied from 0,95 – 4,49 at point A, and 6,89 – 7,35 at point B
Implementasi Kebijakan Program Keluarga Harapan (PKH) Dalam Menanggulangi Kemiskinan
Get PDFProgram Keluarga Harapan (PKH) merupakan instrumen penting yang berkontribusi terhadap peningkatan kualitas hidup keluarga miskin di Kelurahan 8 Ilir. Dalam memastikan bahwa PKH berfungsi secara efektif sebagai alat pengentasan kemiskinan, penting untuk memahami bagaimana program ini diterapkan dalam praktiknya dan dampaknya terhadap keluarga penerima manfaat. Selain itu, perubahan ekonomi dan sosial yang terjadi di masyarakat seiring berjalannya waktu juga harus dipertimbangkan. Oleh karena itu, tujuan dari penelitian ini adalah untuk mengetahui sejauh mana pelaksanaan program Keluarga Harapan di Kelurahan 8 Ilir Kota Palembang.
Jenis penelitian yang akan digunakan didalam penelitian ini yaitu jenis penelitian kualitatif yang bersifat deskriptif yakni salah satu prosedur yang akan menghasilkan data deskriptif dalam bentuk kata-kata baik secara tertulis maupun secara lisan dari seseorang serta perilaku yang diamati. Teknik pengumpulan data yang digunakan adalah observasi, wawancara terhadap sejumlah informan.
Hasil penelitian menunjukkan bahwa Implementasi Kebijakan Program Keluarga Harapan (PKH) di Kelurahan Delapan Ilir belum sepenuhnya terlaksana dengan optimal sesuai dengan tujuannya, hal ini dilihat dari indikator (1) Komunikasi (Communication) (2) Sumber Daya (Resources) (3) Disposisi dan (4) Struktur birokrasi. Faktor Penghambat nya ialah, dimana dapat terjadi disetiap tahap Implementasi pemahaman masyarakat yang masih kurang, jarak tempuh lokasi pendamping jauh sehingga kurang maksimal dan adanya kecemburuan sosial di masyarakat
PENGARUH SELF CONFIDENCE TERHADAP ENTREPRENEURSHIP PADA GENERASI MILENIAL DI KOTA DEPOK
Get PDFThe Indonesian government is currently encouraging the development of entrepreneurship among the millennial generation. The country is experiencing a demographic bonus with 60% of the population in the age range of 15-64 years. Self-confidence is identified as a factor that influences entrepreneurship. the total population that is the focus of the study is 14,136 millennial entrepreneurship in Depok City. Sampling was conducted randomly using the random sampling method using the Slovin calculation, and a tolerable error rate of 5%. As a result, the number of respondents involved in this study was 390 entrepreneurs from the millennial generation. In the data analysis test stage, a description test, assumption test, and hypothesis testing were carried out. The normality test results show that the data distribution is normal, and the linearity test confirms that the data is linear. The t-test shows that partially, self confidence has a significant positive effect on entrepreneurship. The f test, which is conducted simultaneously, shows that the self confidence variable significantly affects the entrepreneurship variable. In the simple linear regression analysis, it was found that the significance value of the coefficient is 0.05%, which means that self confidence has a positive and significant influence on entrepreneurship. The coefficient of determination of 34% indicates that self confidence contributes 34% to entrepreneurship. Thus, based on the results of data analysis and data processing, it can be concluded that the hypothesis in this study is accepted
Determinants of Sharia-compliant and Non-compliant Capital Structure in the Cyclical Consumer Sector
Get PDFIndonesia is a predominantly Muslim country, so investing in stock instruments that comply with Sharia provisions is a major concern for investors in Indonesia. This research aims to compare the determining factors of capital structure in Sharia and non-sharia companies. This research sample used a purposive sampling method to obtain 66 shariah-compliant and 30 noncompliant companies from the cyclical consumer sector listed on the Indonesia Stock Exchange form 2020-2022 and used panel data regression. Profitability and liquidity have a negative effect on shariah-compliant and noncompliant leverage. Size has a positive effect on shariah-compliant and noncompliant leverage. EVAL has a negative effect on shariah-compliant market leverage and a significant positive effect on noncompliant book leverage. In noncompliant, GDPG has a positive effect on market leverage. The novelty of this study is to add business risk as an independent variable. This study is expected to guide financial managers on the use optimal capital structure in sharia and non-sharia companies to increase the shareholders wealth. Investors are recommended to choose enterprises with high level of profitability, liquidity and size, as well as low earnings volatility
Pengaruh Brand Ambassador NCT Dream, E-WOM, dan Brand Image terhadap Purchase Intention pada Produk Mie Instan Lemonilo
Get PDFThis research aims to determine the influence of the NCT Dream Ambassador brand, e-WOM, Brand image on Purchase Interest. This research uses four variables, namely brand ambassador, e-WOM, and brand image as independent variables, and purchase intention as the dependent variable. The population in this research are K-pop fans who live in the Special Region of Yogyakarta who are familiar with Lemonilo instant noodle products, with a sample of 100 respondents. The sampling method uses purposive sampling with data collection using a questionnaire. The research results show that the Ambassador brand, e-WOM, and Brand Image together (simultaneously) have a significant effect on intention to buy Lemonilo instant noodle products, the Ambassador brand does not have a significant effect on the intention to buy Lemonilo instant noodle products, e-WOM has a significant effect on Lemonilo instant noodle products, and brand image have a significant effect on purchase intentions for Lemonilo instant noodle products
Peningkatan Kinerja Turbin Angin Savonius Tipe L Dengan Variasi Jarak Overlap
Get PDFThis research aims to improve the performance of the Savonius type L wind turbine by varying the overlap distance on the turbine blades. The L type Savonius turbine with two blades is used as a model, with a turbine height of 800 mm and a rotor diameter of 350 mm. The variations in overlap distance used are 20 mm, 30 mm, and 40 mm. The research was conducted at the Mechanical Engineering Laboratory, Department of Mechanical Engineering, Islamic University of Kalimantan. Research data was obtained through direct testing in the field, by measuring the turbine rotation speed and the resulting load. The research results show that the overlap distance has a significant influence on turbine performance. The power coefficient (CoP), torque coefficient (Cm), and static torque coefficient (CTs) values reach their highest point at an overlap distance of 30 mm. However, when the overlap distance exceeds the optimum point, these values tend to decrease. The optimum point is reached at a turbine rotor angle of 90 degrees
Evaluasi Pemodelan Augmentasi Data Sifat Mekanik Aluminium Menggunakan Generative Adversarial Networks
Get PDFMaterials informatics is a new approach in material science that integrates information technology and material science to optimize the discovery of new materials more efficiently and innovatively. In materials informatics, experimental and simulation data are combined with data-driven methods such as big data, data augmentation, and machine learning to gain a deeper understanding of material properties. However, limitations in the availability of samples with desired characteristics and the lack of accurate experimental data pose challenges in materials informatics. In this study, we attempt to address these challenges by modeling the augmentation of mechanical properties of aluminum using Generative Adversarial Networks (GAN). GAN is used to generate synthetic data of aluminum\u27s mechanical properties that closely resemble experimental data. This modeling is trained using experimental testing data consisting of aluminum\u27s mechanical properties and chemical elements in the alloy, obtained from the material database. The dataset comprises 9 chemical element variables in the aluminum alloy and 2 mechanical property variables. The synthetic data generated from the modeling is evaluated using descriptive statistics, Pearson correlation, and Kolmogorov-Smirnov (KS) test to assess the extent to which the synthetic data resembles the original data. The evaluation results indicate that the distribution of synthetic data is similar to the original data. The Pearson correlation results show that most variables of chemical elements and mechanical properties of aluminum in the synthetic data have a correlation that is quite similar to the original data. The KS test results also indicate that the distribution of synthetic data does not significantly differ from the distribution of the original data. This indicates that the synthetic data generated has a high resemblance to the experimental data, enabling its use in materials informatics research. Thus, modeling the augmentation of aluminum\u27s mechanical property data using GAN provides a significant contribution to expanding data availability in material science
Revolutionizing Agriculture: Electric Tractors for Indonesian Sustainable Farming
Get PDFThe global shift towards electrification has extended its reach to non-road mobile machinery, with a primary focus on agricultural applications. This growing trend reflects the larger shift towards sustainability and the minimization of environmental effects. Electric tractors and other farm machinery have gained popularity due to their environmental benefits, cost savings, and technological advancements. The electric non-road vehicles are not only quieter and more environmentally friendly but also offer the potential for reduced operational costs, making them a compelling choice for farmers looking to modernise their equipment while adhering to stringent environmental regulations. Thus, the concept of an electric tractor becomes an important topic to be discussed. This paper will discuss the development of tractors in Indonesia and proposed design for electric tractors that are suitable for Indonesia to support sustainable farming