Jurnal Online Universitas Muhammadiyah Surabaya
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Financial Satisfaction of SMEs in The Coastal Region of Madura: Financial Management Behavior and Financial Knowledge
Get PDFIn the current 4.0 era, good economic growth is one of the standards for the government's success in achieving development goals, including the economic aspect. One of the government's efforts is to create and comprehensively support MSME activities. MSMEs on the island of Madura are growing yearly in terms of quantity, quality and sales of MSME products that have entered foreign markets. This research aims to analyze the influence of financial management behaviour and financial knowledge on the financial satisfaction of MSME actors in the Madura coastal area. Data were analyzed using quantitative methods with descriptive and associative approaches. Data was received from the results of interviews and filling out questionnaires by MSME actors in the Madura coastal area in Pamekasan Regency and Sumenep Regency, totalling 60 respondents. The data was processed with the help of smartPLS 3 software. The findings from this research are that financial management behaviour and financial knowledge positively influence financial satisfaction.In the current 4.0 era, good economic growth is one of the standards for the government's success in achieving development goals, including the economic aspect. One of the government's efforts is to create and comprehensively support MSME activities. MSMEs on the island of Madura are growing yearly in terms of quantity, quality and sales of MSME products that have entered foreign markets. This research aims to analyze the influence of financial management behaviour and financial knowledge on the financial satisfaction of MSME actors in the Madura coastal area. Data were analyzed using quantitative methods with descriptive and associative approaches. Data was received from the results of interviews and filling out questionnaires by MSME actors in the Madura coastal area in Pamekasan Regency and Sumenep Regency, totalling 60 respondents. The data was processed with the help of smartPLS 3 software. The findings from this research are that financial management behaviour and financial knowledge positively influence financial satisfaction
Human Resource Development Strategy For Women MSMEs Based On Local Wisdom On The Surabaya Coastal
Get PDFWomen are human resources with potential that can be utilized in various fields. Women's MSMEs can potentially improve coastal communities' welfare, independence, and empowerment. To overcome these challenges and obstacles, women's MSME businesses on the coast of Surabaya must develop several strategies for human resources for MSME actors on the coast. The research method in this study was quantitative; questionnaires were distributed to female MSME actors on the coast of Surabaya in Tambak Wedi, Kedinding, Nambangan, Bulak, Kenjeran, and Wonorejo. Eighty-two female MSME actors have filled out the questionnaire appropriately, and the data entered is processed and analyzed using SEM PLS. This research shows that the training variable has a significant positive effect on the development of human resources for female MSMEs on the coast of Surabaya. Meanwhile, other variables, such as education, health, motivation, and involvement, do not influence the development of human resources for female MSME actors on the coast of SurabayaWomen are human resources with potential that can be utilized in various fields. Women's MSMEs can potentially improve coastal communities' welfare, independence, and empowerment. To overcome these challenges and obstacles, women's MSME businesses on the coast of Surabaya must develop several strategies for human resources for MSME actors on the coast. The research method in this study was quantitative; questionnaires were distributed to female MSME actors on the coast of Surabaya in Tambak Wedi, Kedinding, Nambangan, Bulak, Kenjeran, and Wonorejo. Eighty-two female MSME actors have filled out the questionnaire appropriately, and the data entered is processed and analyzed using SEM PLS. This research shows that the training variable has a significant positive effect on the development of human resources for female MSMEs on the coast of Surabaya. Meanwhile, other variables, such as education, health, motivation, and involvement, do not influence the development of human resources for female MSME actors on the coast of Surabay
Image Destination On Revisit Intention At Fotuno Rete Hot Springs In Wakumoro Village, Parigi District, Muna Regency, Southeast Sulawesi
Get PDFThis research aims to analyze the influence of Affective Image, Cognitive Image, and Conative Image on Revisit Intention at Fotuno Rete Spring Bath in Wakumoro Village, Parigi District, Muna Regency, Southeast Sulawesi. The population in this study consists of individuals who have visited Fotuno Rete Spring Bath twice. The sampling technique used in this study is purposive sampling, with a total sample of 40 respondents. The results of this study indicate that Affective Image, Cognitive Image, and Conative Image have a positive and significant influence on Revisit Intention at Fotuno Rete Spring Bath in Wakumoro Village, Parigi District, Muna Regency, Southeast SulawesiThis research aims to analyze the influence of Affective Image, Cognitive Image, and Conative Image on Revisit Intention at Fotuno Rete Spring Bath in Wakumoro Village, Parigi District, Muna Regency, Southeast Sulawesi. The population in this study consists of individuals who have visited Fotuno Rete Spring Bath twice. The sampling technique used in this study is purposive sampling, with a total sample of 40 respondents. The results of this study indicate that Affective Image, Cognitive Image, and Conative Image have a positive and significant influence on Revisit Intention at Fotuno Rete Spring Bath in Wakumoro Village, Parigi District, Muna Regency, Southeast Sulawes
Financial Technology: An Analysis of the Financial Performance and Growth of Banking Companies
Get PDFThe presence of financial technology provides opportunities for banking sector companies to develop innovative products and services. The rapid development of technology means that fintech services are considered an extension of banks. On the other hand, fintech banking, such as mobile banking and Internet banking, provides many conveniences, including serving Indonesian people who the traditional financial industry cannot serve. This research aims to test and analyze whether financial technology (independent variable) can influence company performance regarding ROA, ROE, NIM, BOPO, and company growth (dependent variable) in the banking industry. All banking companies listed on the IDX except Sharia banking are the data samples used. The testing method used is through the Between-Subjects Effect MANOVA test. This test shows that fintech positively affects ROA, ROE, and NIIM. However, the BOPO and company growth variables cannot be influenced by fintech.The presence of financial technology provides opportunities for banking sector companies to develop innovative products and services. The rapid development of technology means that fintech services are considered an extension of banks. On the other hand, fintech banking, such as mobile banking and Internet banking, provides many conveniences, including serving Indonesian people who the traditional financial industry cannot serve. This research aims to test and analyze whether financial technology (independent variable) can influence company performance regarding ROA, ROE, NIM, BOPO, and company growth (dependent variable) in the banking industry. All banking companies listed on the IDX except Sharia banking are the data samples used. The testing method used is through the Between-Subjects Effect MANOVA test. This test shows that fintech positively affects ROA, ROE, and NIIM. However, the BOPO and company growth variables cannot be influenced by fintech
Determine Marketing Strategies Using SWOT Analysis in The MSME Creative Industry to Design Mock-Up Products
Get PDFThe MSME creative industry has a significant role in local and national economic activities. Creative products from MSMEs provide added value and innovation, create jobs, and support economic growth. MSMEs often face challenges in marketing their products. In increasingly fierce competition, it is important to develop effective marketing strategies. Geographical boundaries are no longer limits today's creative industries. MSMEs in this sector must face competition not only in regional areas but also on a national scale. The research method used in this article is a descriptive qualitative method with a SWOT analysis approach. This research can analyze MSME marketing strategies in the creative industry and become a new contribution to literature and business practices. It is hoped that this research can also provide insight and practical recommendations to MSMEs in the creative industry, the government, and other related parties to increase the competitiveness and growth of the creative industry by using all marketing media and doing it consistentlyThe MSME creative industry has a significant role in local and national economic activities. Creative products from MSMEs provide added value and innovation, create jobs, and support economic growth. MSMEs often face challenges in marketing their products. In increasingly fierce competition, it is important to develop effective marketing strategies. Geographical boundaries are no longer limits today's creative industries. MSMEs in this sector must face competition not only in regional areas but also on a national scale. The research method used in this article is a descriptive qualitative method with a SWOT analysis approach. This research can analyze MSME marketing strategies in the creative industry and become a new contribution to literature and business practices. It is hoped that this research can also provide insight and practical recommendations to MSMEs in the creative industry, the government, and other related parties to increase the competitiveness and growth of the creative industry by using all marketing media and doing it consistentl
Optimization of Islamic Bank Profitability: Overview of Capital, Liquidity, Operational Efficiency and Problem Financing
Get PDFThis research aims to look at the influence of capital, liquidity, operational efficiency and problematic financing on profitability. The sample selection used a purposive sampling method where the sample size was obtained from 13 sharia banks in Indonesia during the 2018-2022 period, by analyzing quarterly sharia banking financial reports. The analysis used in this research is multiple linear regression analysis using SPSS 25. The result show that partially operating expenses operating income (BOPO) have a negative and significant effect on return on asset (ROA), where Islamic banking needs to increase efficiency or reduse operational costs to increase profitability. then Capital Adequacy Ratio (CAR), financing to deposit ratio (FDR), and non performing financing (NPF) do not have a significant effect on ROA. It can be concluded that operational efficiency has an effect on profitability while capital, liquidity, and problematic financing have no effect on profitability.This research aims to look at the influence of capital, liquidity, operational efficiency and problematic financing on profitability. The sample selection used a purposive sampling method where the sample size was obtained from 13 sharia banks in Indonesia during the 2018-2022 period, by analyzing quarterly sharia banking financial reports. The analysis used in this research is multiple linear regression analysis using SPSS 25. The result show that partially operating expenses operating income (BOPO) have a negative and significant effect on return on asset (ROA), where Islamic banking needs to increase efficiency or reduse operational costs to increase profitability. then Capital Adequacy Ratio (CAR), financing to deposit ratio (FDR), and non performing financing (NPF) do not have a significant effect on ROA. It can be concluded that operational efficiency has an effect on profitability while capital, liquidity, and problematic financing have no effect on profitability
STUDI ETNOBOTANI TANAMAN OBAT DI DESA BUMIAYU KABUPATEN BOJONEGORO DAN PEMANFAATANNYA DALAM BENTUK HERBARIUM SEBAGAI MEDIA PEMBELAJARAN BIOLOGI
Get PDFSatu di antara masyarakat yang masih menjunjung tinggi kearifan lokal dalam hal pemanfaatan tanaman sebagai bahan dasar obat tradisional, adalah masyarakat Desa BumiayuKabupaten Bojonegoro. Penelitian ini bertujuan untuk mendeskripsikan berbagai macam tanaman obat, serta mendokumentasikan budaya masyarakat dalam memanfaatkan tanaman. Penelitian ini dilakukan sejak bulan Desember 2018 - Juni 2019 yang bertempat di tiga dusun di Desa Bumiayu, yaitu dusun Panasan, Tambak rame, dan Sendang. Penelitian ini termasuk penelitian deskriptif kualitatif dengan metode observasi dan wawancara semi struktural. Sampling terdiri dari tokoh masyarakat desa Bumiayu dan masyarakat umum, jumlah keseluruhan 35 responden. Berdasarkan hasil penelitian telah ditemukan 61 spesies dari 28 famili, tanaman yang paling banyak digunakan adalah dari famili Euphorbiaceae, sedangkan tanaman yang paling sering digunakan adalah kunyit dari famili Zingiberaceae. Organ yang paling banyak digunakan adalah daun, sedangkan cara meramu tanaman yang paling banyak dilakukan masyarakat adalah dengan direbus. Sumber informasi masyarakat mengenai pemanfaatan tanaman sebagai obat berasal dari orang tua terdahulu. Studi etnobotani diimplementasikan dalam bentuk herbarium daun sebagai media pembelajaran biologi
PENGARUH PENGGUNAAN PUPUK ORGANIK DAN ANORGANIK TERHADAP PERKEMBANGAN TANAMAN UBI JALAR UNGGU (IPOMOEA BATATAS) SEBAGAI PELUANG BISNIS
Get PDFPertanian hidroponik menjadi metode budidaya tanaman yang semakin populer dan efisien dalam menghadapi tantangan ketahanan pangan dan keberlanjutan lingkungan. Dalam pertanian hidroponik, pupuk merupakan sumber nutrisi utama bagi tanaman, dan pemilihan jenis pupuk dapat mempengaruhi pertumbuhan dan hasil panen tanaman. Dua jenis pupuk yang umum digunakan adalah pupuk organik dan anorganik. Penggunaan pupuk anorganik, seperti pupuk kimia yang mengandung unsur hara yang diperoleh secara sintetis, cenderung memberikan pertumbuhan yang lebih cepat dan hasil panen yang lebih tinggi dalam pertanian hidroponik. Pupuk anorganik juga mudah diatur dosisnya dan dapat memberikan nutrisi yang tepat sesuai kebutuhan tanaman. Namun, penggunaan pupuk anorganik juga dapat menyebabkan akumulasi garam dan perubahan pH dalam larutan nutrisi, yang dapat berdampak negatif pada tanaman hidroponik. Sementara itu, penggunaan pupuk organik, seperti pupuk yang berasal dari bahan organik alami seperti kompos, pupuk kandang, atau pupuk hijau, dapat memberikan manfaat dalam hal kualitas tanaman dan produk. Pupuk organik dapat meningkatkan ketersediaan nutrisi secara bertahap, meningkatkan aktivitas mikroba dalam sistem hidroponik, dan meningkatkan kesuburan tanah. Pupuk organik juga dianggap sebagai pilihan yang ramah lingkungan, karena dapat mengurangi penggunaan bahan kimia sintetis dan mengurangi risiko pencemaran lingkungan.Pertanian hidroponik menjadi metode budidaya tanaman yang semakin populer dan efisien dalam menghadapi tantangan ketahanan pangan dan keberlanjutan lingkungan. Dalam pertanian hidroponik, pupuk merupakan sumber nutrisi utama bagi tanaman, dan pemilihan jenis pupuk dapat mempengaruhi pertumbuhan dan hasil panen tanaman. Dua jenis pupuk yang umum digunakan adalah pupuk organik dan anorganik. Penggunaan pupuk anorganik, seperti pupuk kimia yang mengandung unsur hara yang diperoleh secara sintetis, cenderung memberikan pertumbuhan yang lebih cepat dan hasil panen yang lebih tinggi dalam pertanian hidroponik. Pupuk anorganik juga mudah diatur dosisnya dan dapat memberikan nutrisi yang tepat sesuai kebutuhan tanaman. Namun, penggunaan pupuk anorganik juga dapat menyebabkan akumulasi garam dan perubahan pH dalam larutan nutrisi, yang dapat berdampak negatif pada tanaman hidroponik. Sementara itu, penggunaan pupuk organik, seperti pupuk yang berasal dari bahan organik alami seperti kompos, pupuk kandang, atau pupuk hijau, dapat memberikan manfaat dalam hal kualitas tanaman dan produk. Pupuk organik dapat meningkatkan ketersediaan nutrisi secara bertahap, meningkatkan aktivitas mikroba dalam sistem hidroponik, dan meningkatkan kesuburan tanah. Pupuk organik juga dianggap sebagai pilihan yang ramah lingkungan, karena dapat mengurangi penggunaan bahan kimia sintetis dan mengurangi risiko pencemaran lingkungan
Efektivitas Ekstrak Daun Tembelekan (Lantana camara L) Terhadap Mortalitas Kutu Kepala (Pediculus humanus capitis)
Get PDFABSTRAKKutu kepala (Pediculus humanus capitis) adalah jenis serangga (insecta) yang hidup dikepala, menjadi parasit dan menghisap darah kepala manusia. Kutu sering kali dianggap sepele padahal bisa menyebabkan sumber terjadinya infeksi dari penyakit lain seperti infeksi kulit dan jangkitan bakteri. Tinggat tertinggi terjadinya infestasi kutu kepala adalah dengan melakukan kontak langsung dengan individu yang terinfeksi. Penelitian ini bertujuan suapaya mengetahui pengaruh efektivitas ekstrak daun tembelekan terhadaap mortalitas kutu kepala. Penelitian ini menggunakan metode eksperimental dengan Rancangan Acak Lengkap (RAL) terdiri atas 1 faktor yaitu ekstrak daun tembelekan dengan takaran 5kali semprotan, 10kali semprotan dan 15kali semprotan. Ekstrak daun tembelekan didapat dengan menggunakan metode infusa dan dijadi dalam bentuk spray. Hasil penelitian menunjukkan bahwa setiap perlakuan berpengaruh pada mortalitas kutu kepala, mortalitas terendah kutu kepala yaitu pada pada perlakuan P1 yaitu dengan mortalitas 53% sedangkan mortalitas paling tinggi terdapat pada perlakuan P3 yaitu 100%. Maka bisa ditarik kesimpulan bahwa ekstrak daun tembelekan dapat dimanfaatkan sebagai insektisida nabati ramah lingkungan yang efektif dalam membunuh kutu kepala.Kata kunci: Daun tembelekan, insektisida alami. kutu kepala. ABSTRACTHead lice (Pediculus humanus capitis) is a type of insect that lives on the head, parasitizes and sucks the blood of the human head. Head lice are often taken for granted but can be a source of infection from other diseases such as skin infections and bacterial infections. The highest rate of head lice infestation is through direct contact with infected individuals. This study aims to determine the effectiveness of tembelekan leaf extract on head lice mortality. This study used an experimental method with a completely randomized design (CRD) consisting of 1 factor, namely tembelekan leaf extract with a dose of 5 sprays, 10 sprays and 15 sprays. The tembelekan leaf extract is obtained using the infusa method and is made into a spray form. The results showed that each treatment had an effect on head lice mortality, the lowest mortality of head lice was in the P1 treatment with 53% mortality while the highest mortality was in the P3 treatment which was 100%. So it can be concluded that tembelekan leaf extract can be utilized as an environmentally friendly vegetable insecticide that is effective in killing head lice.Keywords: tembelekan leaves, head lice, natural insecticide
Aktivitas Lalat Rumah (Musca domestica) pada Pemberian Ekstrak Daun Pepaya (Carica papaya)
Get PDFABSTRACT
House flies (Musca domestica) are vectors or mechanical transmitters of various infectious diseases through their body parts. The use of chemical insecticides to control houseflies has harmful effects on non-target insects, as well as exposure to humans and the environment. The use of insecticides made from natural ingredients is a solution to overcome the use of synthetic chemical insecticides. Papaya (Carica papaya) is a plant that is easy to grow and contains flavonoids, tannins, alkaloids, saponins, papain, calpain, and a number of other secondary metabolic compounds that are anti-mycoorganisms and parasites. This type of experimental research with a post test only group design aims to test the effect of papaya leaf extract on house fly activity. There are 3 treatments, namely P1 (papaya leaf extract), P2 (aquades) and P3 (branded liquid mosquito repellent). Each treatment was repeated 6 times. The research sample was 104 house flies. The results of the Mann Whitney test showed that there was a very significant difference (p<0.01) in the number (presentation) of houseflies that experienced changes in normal activity to abnormal ones between the administration of papaya leaf extract (72%) and the negative control using distilled water (0%). Meanwhile, administering branded liquid mosquito repellent provides 100% of the effect of flies experiencing abnormal activity. Thus, papaya leaf extract has been proven to have potential as a house fly repellent, although the effect is not as great as branded liquid mosquito repellent (p<0.05).
Key words: Carica papaya, leaf extract, Musca domesticaABSTRAK
Lalat rumah (Musca domestica) merupakan vektor atau transmisi mekanik pada berbagai penyakit menular lewat anggota tubuhnya. Penggunaan insektisida kimia untuk mengendalikan lalat rumah mempunyai efek membahayakan bagi serangga bukan target, serta ikut terpaparnya manusia dan lingkungan. Penggunaan insektisida berbahan alam, merupakan solusi mengatasi penggunaan insektisida kimia sintetis. Pepaya (Carica papaya) merupakan tanaman yang mudah tumbuh dan memiliki senyawa flavonoid, tanin, alkaloid, saponin, papain, calpain, dan sejumlah senyawa hasil metabolisme sekunder lainnya yang bersifat anti mikoorganisme dan parasit. Jenis peneltian eksperimental dengan desain post test only group bertujuan untuk menguji pengaruh ekstrak daun pepaya terhadap aktivitas lalat rumah. Terdapat 3 perlakuan yaitu P1 (ekstrak daun pepaya), P2 (aquades) dan P3 (obat nyamuk cair bermerek). Tiap perlakuan diulang 6 kali. Sampel penelitian adalah lalat rumah berjumlah 104 ekor. Hasil uji Mann Whitney menunjukkan bahwa ada perbedaan sangat signifikan (p<0,01) jumlah (presentasi) lalat rumah yang mengalami perubahan aktivitas normal menjadi tidak normal antara pemberian ekstrak daun pepaya (72%) dengan kontrol negatif menggunakan aquades (0%). Sedangkan pada pemberian obat nyamuk cair bermerek memberikan efek 100% lalat mengalami aktivitas tidak normal. Dengan demikian ektrak daun pepaya terbukti berpotensi sebagai anti lalat rumah meskipun efeknya belum sebesar obat nyamuk cair bermerek (p<0,05)
Kata kunci: ekstrak daun, Carica papaya, Musca domestic