E-Journal Politeknik Negeri Samarinda
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    PENGARUH KEPERCAYAAN, KUALITAS LAYANAN DAN KUALITAS PRODUK TERHADAP KEPUASAN NASABAH MENGGUNAKAN MOBILE BANKING PADA BANKALTIMTARA SAMARINDA

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    This research aims to determine the influence of trust, service quality and product quality on customer satisfaction using mobile banking. This research uses primary data obtained through distributing questionnaires to Bankaltimtara customers as measured using a Likert scale. The data analysis technique used is Validity Test and Reliability Test and Hypothesis testing consisting of Partial Test (t Test), Simultaneous Test (F Test) and Determination Coefficient (R2) using testing tools in the form of the IBM SPSS Statistics version 25 data processing program . The type of research is a quantitative research model. The data analysis method uses a multiple linear regression analysis model. The total research sample was 144 respondents. The research results show that partially the variables trust, service quality and product quality have a positive and significant effect on customer satisfaction using mobile banking at Bankaltimtara in Samarinda. Stimulantly, the variables trust, service quality and product quality have a significant positive effect on customer satisfaction using mobile banking at Bankaltimtara in Samarinda

    KAJIAN DESAIN DAN ESTETIKA GAYA ARSITEKTUR SCANDINAVIAN PADA PERANCANGAN RESTO DAN BUTIK DI SAMARINDA

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    The increasing public activity, particularly following the development of the Nusantara Capital City (IKN), has prompted a growing demand for aesthetically pleasing and functional commercial buildings in Samarinda. Existing commercial buildings often lack architectural styles that are contextually appropriate and demonstrate inefficiency in spatial organization. In this context, this study aims to design a multifunctional commercial building that integrates both a restaurant and a boutique, incorporating the Scandinavian architectural style, located on Jalan K.H. Harun Nafsi, Samarinda. The Scandinavian style was selected due to its simplicity, functionality, and harmony with nature, which aligns with current contemporary interior design trends. The research employs a qualitative descriptive method, which requires not only theoretical study but also primary data as a basis for design analysis. The outcomes of the research include detailed working drawings for a two-story building, presented in both two-dimensional and three-dimensional formats. The building design emphasizes the use of natural materials such as Conwood, maximization of natural light, and the application of neutral colors to create a warm and comfortable atmosphere

    DESAIN TAS TANGAN WANITA DENGAN ELEMEN ESTETIS MANIK - MANIK KAYU DAN BATIK TULIS MOTIF KHAS KALIMANTAN TIMUR

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    The existence of bags is now one of the important things needed by everyone, especially women. Not only for carrying things, now the function of bags for women is developing to complement the appearance. Bags are made with a variety of shapes, colors, and materials that can support the appearance. In addition, various materials make bags every year undergoing development, with innovations continuing to develop to produce products that can attract consumer interest. The creative industry in the handicraft and fashion sectors is now also increasing, especially in the use of natural materials such as wood. Textile-based crafts such as batik have also begun to develop in East Kalimantan. This diversity of materials can produce new innovations that can produce products from more diverse materials. The design of this women's bag aims to introduce products with the peculiarities of East Kalimantan in the form of its flora, namely the black orchid which is now starting to be rare. Black orchids are described as batik motifs which are then combined with wooden beads as natural elements. The product design method applies the design process steps from Vnoed Goel, starting from preliminary design, design development and final design. The final result of this design is a women's handbag made of wooden beads and batik with a typical East Kalimantan motif that can be used daily and has aesthetic value and selling value

    Pembuatan Paket Wisata di Kampung Sawah Zwageri Borneo Desa Manunggal Jaya Tenggarong Seberang

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    Kampoeng Sawah' Zwageri Borneo’ is an agrotourism destination in Manunggal Jaya Village, Block H, Tenggarong Seberang Subdistrict, Kutai Kartanegara Regency, East Kalimantan Province, Indonesia. This community service aims to design and develop tourism packages at Kampoeng Sawah Zwageri Borneo. This area has excellent potential for nature and cultural tourism, particularly through its beautiful rice-field scenery, community agricultural activities, and well-preserved local wisdom. The community service methods used in this community service include lectures, live demonstrations, and question-and-answer sessions. During the training on tourism package development, participants gained knowledge and skills in designing and packaging tourism products that encompass natural attractions, education, agriculture, and local culture. The development of these tourism packages is expected to enhance the appeal of Manunggal Jaya Village, strengthen the local economy, and support efforts to preserve the local environment and culture. This study concludes that active community involvement and management based on local potential are the keys to success in developing sustainable tour packages in Kampoeng Sawah Zwageri, Borneo

    The Impact of Climate Change on Work: Lessons for Developing Countries

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    We identify five areas where climate change may impact work and draw lessons for developing countries by reviewing the evidence. Firstly, demand for labor is unevenly affected, with agriculture, heat-exposed manufacturing, and the brown energy sector experiencing downturns, while other sectors may see a rise, resulting in an uncertain overall impact. Secondly, climate change impacts labor supply through absenteeism, shirking, and altering work-time patterns, depending on the activity and sector. Thirdly, productivity may decline, especially in heat-exposed industries, primarily due to health reasons. Fourthly, heightened earnings variability likely increases vulnerability among the self-employed. Fifthly, climate change can influence labor allocation and catalyze sectoral reallocation. Higher temperatures are also linked to increased migration. But caution is needed in interpreting these findings, as studies across these topics predominantly use fixed effect estimation and concentrate on short-term impacts, neglecting adaptation. Emerging research on adaptation indicates that workplace cooling is unappealing for firms with narrow profit margins, while coping strategies of farms and households have unclear optimality due to adoption barriers. Government responses remain understudied, with six potential areas identified: green jobs, green skills, labor-oriented adaptation, flexible work regulation, labor market integration, and social protection. We conclude by outlining future research directions

    FY 2024 Kuwait Country Opinion Survey Report

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    The Country Opinion Survey in Kuwait assists the World Bank Group (WBG) in better understanding how stakeholders in Kuwait perceive the WBG. It provides the WBG with systematic feedback from national and local governments, multilateral/bilateral agencies, media, academia, the private sector, and civil society in Kuwait on 1) their views regarding the general environment in Kuwait; 2) their overall attitudes toward the WBG in Kuwait; 3) overall impressions of the WBG’s effectiveness and results, knowledge work and activities, and communication and information sharing in Kuwait; and 4) their perceptions of the WBG’s future role in Kuwait

    Supporting Women Entrepreneurs in Developing Countries: What Works? Revisiting the Evidence Base

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    This paper presents the findings of a systematic review synthesizing evidence on what works to support women entrepreneurs in developing countries. It covers both the evidence of constraints women entrepreneurs are facing and evidence of intervention effectiveness in four focus areas: GENto finance, access to skills and networks, access to markets and technology, and an enabling environment. The review also identifies evidence gaps and highlights research opportunities for each focus area. The paper’s main contribution is a conceptual and comprehensive mapping of the literature, classifying the strength and direction of evidence across various interventions. It provides a dynamic view of how the literature is evolving, highlights where evidence gaps remain, and is intended as a resource for both researchers and policymakers/practitioners

    Bangladesh Poverty and Equity Assessment: Navigating the Road to Prosperity

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    This 2025 Poverty and Equity Assessment examines Bangladesh’s progress in poverty reduction and inclusive development from 2010 to 2022. Poverty in Bangladesh declined between 2010 and 2022, but the pace of progress slowed after 2016, and over one-third of the population remained vulnerable to falling back into poverty. Bangladesh expanded access to electricity, sanitation, and education, lifting 34 million from multidimensional poverty, yet quality deficits such as unreliable power, weak learning, and slow transport limit economic and welfare gains. After 2016, Bangladesh’s economic growth pattern changed as rural areas led poverty reduction with agriculture rebounding while urban manufacturing stalled. Bangladesh has expanded social spending, but weak targeting and misdirected subsidies undermine impact. The country now has the opportunity to launch a new chapter of poverty reduction by emphasizing connectivity, creating more and better urban jobs, promoting pro-poor value chains in agriculture, and strengthening social protection against shocks

    Rapport national sur le climat et le développement de l'Union des Comores

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    The World Bank Group’s Country Climate and Development Reports (CCDRs) are a core diagnostic that integrates climate change and development. They help countries prioritize the most impactful actions that can reduce greenhouse gas (GHG) emissions and boost adaptation and resilience, while delivering on broader development goals. CCDRs build on data and rigorous research and identify main pathways to reduce GHG emissions and climate vulnerabilities, including the costs and challenges as well as benefits and opportunities from doing so. The reports suggest concrete, priority actions to support the low-carbon, resilient transition. As public documents, CCDRs aim to inform governments, citizens, the private sector and development partners and enable engagements with the development and climate agenda. CCDRs feed into other core Bank Group diagnostics, country engagements and operations, and help attract funding and direct financing for high-impact climate action.The Union of the Comoros (“The Comoros”) has significant vulnerability to climate change related risks but has considerable opportunities to strengthen preparedness and resilience against these challenges. According to the Notre Dame Global Adaptation Index, the Comoros is the 29th-most vulnerable country to climate change and the 163rd most ready to adapt (out of 191). The Comoros archipelago is exposed to many natural hazards that adversely affect the country’s natural capital, people, and physical infrastructure. In 2014, the economic cost of climate-related disasters was estimated at $5.7 million annually, equivalent to 9.2 percent of Gross Domestic Product (GDP). Between 2018 and 2023, as many as 11 tropical depressions or cyclones impacted the country, with Cyclone Kenneth causing the greatest damage, equivalent to 14 percent of GDP, resulting in total economic growth falling from 3.6 percent in 2018 to 1.9 percent in 2019. More than 345,000 people (40 percent of the population) were affected by the cyclone, with 185,000 people experiencing severe impacts and 12,000 displaced. However, there is an opportunity for the country to grow more robust and shock-responsive, and to establish prepositioned funding mechanisms to enhance future crisis response efforts.L’Union des Comores (« les Comores ») est particulièrement vulnérable aux risques climatiques, mais peut saisir d’importantes opportunités pour renforcer sa préparation et sa résilience face à ces défis. Selon l’indice mondial d’adaptation de Notre Dame, les Comores sont le 29e pays le plus vulnérable au changement climatique et se situent au 163e rang en ce qui concerne la préparation à l’adaptation, sur 191 pays évalués. L’archipel est exposé à de nombreuses catastrophes naturelles qui affectent gravement le capital naturel, la population et les infrastructures physiques. En 2014, le coût économique des catastrophes climatiques a été évalué à 5,7 millions USD par an, soit 9,2 pour cent du produit intérieur brut (PIB). Entre 2018 et 2023, le pays a subi 11 dépressions tropicales ou cyclones, le cyclone Kenneth ayant provoqué les plus lourds dégâts. Ces dommages ont représenté 14 pour cent du PIB, entraînant une baisse de la croissance économique de 3,6 pour cent en 2018 à 1,9 pour cent en 2019. Plus de 345 000 personnes, soit 40 pour cent de la population, ont été affectées par le cyclone, dont 185 000 gravement affectées et 12 000 déplacées. Malgré ces défis, les Comores disposent d’importantes opportunités pour renforcer leur résilience face aux crises climatiques. Le pays peut devenir plus robuste et réactif aux chocs, notamment en mettant en place des mécanismes de financement prépositionnés afin d’améliorer les efforts de réponse aux crises à venir

    Global Poverty Revisited Using 2021 PPPs and New Data on Consumption

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    Recent improvements in survey methodologies have increased measured consumption in many low- and lower-middle-income countries that now collect a more comprehensive measure of household consumption. Faced with such methodological changes, countries have frequently revised upward their national poverty lines to make them appropriate for the new measures of consumption. This in turn affects the World Bank’s global poverty lines when they are periodically revised. The international poverty line, which is based on the typical poverty line in low-income countries, increases by around 40 percent to $3.00 when the more recent national poverty lines as well as the 2021 purchasing power parities are incorporated. The net impact of the changes in international prices, the poverty line, and new survey data (including new data for India) is an increase in global extreme poverty by some 125 million people in 2022, and a significant shift of poverty away from South Asia and toward Sub-Saharan Africa. The changes at higher poverty lines, which are more relevant to middle-income countries, are mixed

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