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Determinants of Profitability in Rural Banking: An Empirical Study of Malang Raya’s BPR
No full textThis study aims to analyze the factors influencing the profitability of Rural Banks (BPR) in the Malang Raya region and to examine the moderating role of gender diversity on the board of directors in the relationship between credit risk and profitability. This research employs a quantitative, causal approach using secondary data from the financial reports of 21 rural banks from 2019 to 2023, resulting in 125 observations. The dependent variable is profitability, measured by Return on Assets (ROA), while the independent variables include Credit Risk (Non-Performing Loan/NPL), Operational Efficiency (BOPO), Liquidity (Cash Ratio/CR), Loan to Asset Ratio (LAR), and Bank Size. The analysis was conducted using multiple linear regression with SPSS Version 27. The results indicate that NPL, BOPO, and Bank Size have a significant negative effect on ROA. Conversely, CR and LAR show a significant positive effect on ROA. The F-test confirms that the independent variables collectively have a significant impact on profitability, with the model explaining 92.4% of the variance in ROA. However, the study finds that gender diversity on the board of directors does not significantly moderate the negative relationship between NPL and ROA. These findings provide practical insights for rural bank management and policymakers, emphasizing the critical importance of credit risk management, operational efficiency, and strategic asset allocation for enhancing financial performance
Analysis Productivity Chemical Industry in Indonesia
No full textThis research aims to determine Technical Efficiency Change (TEC), Scale Efficiency Change (SEC), Technological Change (TC), Total Factor Productivity (TFP) in the chemical industry in Indonesia. Using data form large anda medium manufacturing industries in Indonesia, the Stohastic Frontier method is used to determine TEC, SEC, TC, TFP. The results of the average TEC, SEC, TC, TFP show negative changes for productivity in the chemical industry in Indonesia. Based on the research results, the company must provide incentives in the form of subsidies or financial assistance to replace old machines with more efficient technology and maintain the stability of raw material prices
Analysis Factor Which Influence Sale Volume at Tuberose Business in Desa Pekoren Kabupaten Pasuruan
No full textIndonesia is an agricultural nation that produces a wide range of goods and agricultural goods. Tuberose blooms are one of the agricultural products with a high market value. Because tuberose flowers have a unique scent, there is a lot of market interest in and demand for them. To satisfy these needs and expectations, the appropriate marketing plan is required. This study is to define the features of tuberose flowers and assess the viability of farming in order to ascertain the challenges farmers encounter when trying to market their goods. It will also investigate the impact of tuberose flower costs, demand, and production. The study was carried out in Pasuruan, East Java, in Pekoren Village, Rembang District, from March to September of 2024. This research employs a descriptive methodology that combines farming observation and analysis. It is well known that the age group of 51 to 60 years old accounts for 32% of the characteristics depending on age. The R/C score of 3.75 indicates that growing tuberose is both possible and profitable
Analysis of the Sustainability of the Charcoal Business in Firdaus Village, Bilah Hulu District, Labuhan Batu Regency
No full textOne of the rubber wood derivative products that can be used as a product is charcoal, and charcoal has promising business potential and can be developed. This research aims to construct strategies that can be used by wood charcoal entrepreneurs to improve their business. Using a qualitative approach, the research focus is charcoal business owners, sellers and consumers. The analysis tool used is SWOT to recommend strategies. The analysis results show that the wood charcoal industry is in quadrant 1 of the SWOT diagram, which shows an aggressive business continuity strategy by utilizing strength and opportunity (S-O) factors. From the research results, the recommended strategy includes increasing business experience, increasing production capacity, and product development to expand business networks. These steps are expected to ensure the sustainability and growth of the wood charcoal business in Firdaus Village, by maximizing internal strengths and external opportunities and facing various existing challenges effectively
Analysis That Affects The Level of Labor Force Participation (TPAK) in The Madura Region
No full textThis research investigates the determinants influencing the Labor Force Participation Rate (LFPR) in the Madura area, focusing on variables such as Average Years of Schooling (RLS), District Minimum Wage (UMK), and the Open Unemployment Rate (TPT). The scope of the study includes the regencies of Bangkalan, Sampang, Pamekasan, and Sumenep. Employing a quantitative methodology, the study utilizes panel data regression analysis. The secondary data were sourced from the Central Bureau of Statistics (BPS) spanning the years 2014 to 2023. The analysis revealed that the average duration of schooling (RLS) significantly and positively influences LFPR. Conversely, both the minimum district wage (UMK) and the open unemployment rate (TPT) were found to have no statistically significant impact on labor force participation. These outcomes highlight the critical role of educational enhancement in fostering greater labor market involvement within the Madura region
Regional Inequality and Classification of Leading Sectors Economy Province Nusa Tenggara Timur
No full textThis paper aims to examine economic inequality and identify leading sectors in 10 districts/ cities in NTT Province in order to formulate policies that can encourage inclusive and sustainable economic growth. This study uses annual panel data from 10 districts/cities in Nusa Tenggara Timur Province in the period 2019-2023, with data analysis techniques using the Williamson Index, Location Quotient (LQ), and Klassen Typology to measure development inequality, basic sectors, and economic growth patterns between regions. This study uses the Stata 16 and MS. Excel 2011 analysis tools. The results of this study indicate that although several regions in NTT, such as Kupang City, show rapid economic growth and are in the developed region quadrant, most other districts/cities are still lagging behind in terms of development and economy, with non-basic sectors that have not yet developed significantly, as well as uneven distribution of wealth and infrastructure access
Environmental Cost Disclosure for Promoting Green Economy Implementation in Situ Ciburuy Tourism
No full textThis study examines environmental costs in the Situ Ciburuy tourist area, West Bandung, as part of efforts to promote the adoption of the green economy concept. Using a qualitative descriptive approach with a field study method, the researcher serves as the primary instrument for data collection. Triangulation techniques are employed to integrate multiple data sources, ensuring a more comprehensive analysis. The study gathers both primary and secondary data, with key informants including tourism managers at Situ Ciburuy and members of the local community.Findings reveal that environmental costs at Situ Ciburuy are recorded alongside other expense components in profit and loss financial statements. These costs mainly arise from waste management activities, such as garbage disposal and aquatic ecosystem conservation, and are documented in operational reports. The disclosure of environmental costs provides insight into expenditures on eco-friendly initiatives that tourism managers must undertake. Transparent reporting of these expenses enhances awareness of the importance of investing in sustainable practices aligned with green economy principles.This research aims to support the development of sustainable tourism at Situ Ciburuy and serve as a reference for other tourism managers seeking to implement the green economy concept more effectively
The Effect of Government Spending and Investment on the Happiness Level Mediated by the Inequality Level
No full textThis study aims to examine the role of inequality in mediating the relationship between government spending and investment at the happiness level. Government spending and investment are independent variables. Inequality is the mediating variable while happiness is the dependent variable. This study uses data from 2013 to 2022. This study uses the PLS method to see the relationship between the independent variable and the dependent variable and the role of the mediating variable in mediating the independent variable with the dependent variable. The results showed that investment has a direct and positive relationship with inequality. Government spending does not correlate with the inequality level. The inequality level has no direct influence on the level of happiness. The results of the indirect analysis suggest that inequality cannot mediate the relationship between government spending and investment on the level of happiness. Inequality cannot mediate even though the inequality level tends to decrease. It is because one of the indicators in measuring happiness that has a worsening value, even though other indicators have increased and directly impacted public welfare, is the increasing level of corruption in Indonesia. So, even though inequality tends to improve, corruption is still rampant in this country, and public happiness is decreasing
Analysis Green Economy Based Development Agriculture with Approach Maqashid Sharia Index in Central Tapanuli
No full textDevelopment of the agricultural industry and threats environment the more year the more assessed increase from limited amount resident with source power is also limited become felt important for study Already the extent to which the development of the Green Economy is based agriculture with see from corner look maqashid Sharia is in line with draft economy green assessed of 3 indicators maqashid shari’ah index. The aim of this study for know difference performance rather than the green economy of farmers through a number of member from group farmers in the district Central Tapanuli with restrictions study only in sub-districts sorkam namely in groups Serasi Farmers Group, Sepakat Farmers Group, Sakato Farmers Group which is with approach maqashid srai’ah is assessed from Maqashid Sharia Index (MSI). This research was processed using results data observation and interviews. This research uses analysis qualitative descriptive with primary and secondary data collection as well as technical data analysis with approach Maqasid Syariah Index. Result of this research is Performance Assessment of 3 groups farmer that is Serasi Farmers Group, Sepakat Farmers Group, Sakato Farmers Group and the highest are led by Sepakat Farmers Group, more so tall number index show that performance economy matching green with maqashid Sharia Already Enough Good in accordance principle economy green and numbers index group other farmers don’t Far different from Sepakat Farmers Group. This figure can be used as evaluation material for the Central Tapanuli district government and as evaluation material for farmers to care about aspects of the green economy in the agricultural sector and the hope is that it is also in line with the maqashid sharia principle that all aspects of agriculture must comply with the principle of equality
PERANAN BANK SAMPAH TERHADAP PEMBERDAYAAN EKONOMI MASYARAKAT DALAM TINJAUAN PERSPEKTIF MAQASHID SYARIAH
No full textThis research aims to describe the role of the Berkah waste bank in Cinta Makmur Village in empowering the community’s economy from a maqashid sharia perspective. The research uses qualitative methods by means of field observations, interviews with related sources and is supported by several sources such as books, journals and other documents. The results of this research show an increase in fulfilling basic needs, increasing income, increasing independence, and environmental cleanliness. The mechanism for managing the Berkah waste bank is that the community collects their waste, it is collected by the waste bank team, then weighed and recorded in a book. After that, the waste bank team sorts the waste and then sells it to collectors. The role of the Berkah waste bank is very good in managing and sorting waste into goods. which has economic value, so that it can improve the economy of its customers. Islam also teaches us to always maintain cleanliness, with the formation of this waste bank cleanliness begins to be fulfilled. This research has limitations, including that the researcher is limited to observing the running process of the waste bank at any time because the waste bank program schedule is irregular due to officers not being able to regularly pick up the waste. Apart from that, this research is limited to examining the role of the waste bank in empowering the community in improving the economy. and researchers limited the research area to Cinta Makmur Village.This research aims to describe the role of the Berkah waste bank in Cinta Makmur Village in empowering the community's economy from a maqashid sharia perspective. The research uses qualitative methods by means of field observations, interviews with related sources and is supported by several sources such as books, journals and other documents. The results of this research indicate an increase in the fulfillment of basic needs, increased income, increased independence, and environmental cleanliness. The management mechanism of the Berkah waste bank is where the community collects the waste, and it is collected by the waste bank team, then weighed and recorded in a book. After that, the waste bank team sorts the waste and then sells it to collectors. The role of the Berkah waste bank is very good by managing and sorting the waste to be turned into goods. which has economic value, so that it can improve the economy of its customers. Islam also teaches us to always maintain cleanliness, with the formation of this waste bank cleanliness begins to be fulfilled