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Kerin Ari Chaniago; Innaya Aulia Putri; Risma Anita Puriani

RISOMA : Jurnal Riset Sosial Humaniora dan Pendidikan 2026 Asosiasi Ilmuwan Pendidikan, Sosial, dan Humaniora Indonesia

This article discusses the relationship between parenting styles and adolescents’ social behavior. Adolescence is a developmental stage characterized by increasing social demands, making the role of the family, particularly parents, crucial in shaping adolescents’ social adjustment. This study employed a literature review method by examining relevant textbooks and national and international journal articles related to parenting styles and adolescents’ social behavior. The findings indicate that parenting styles have a significant influence on adolescents’ social behavior. Authoritative or democratic parenting is identified as the most effective style in promoting positive social behaviors, such as empathy, cooperation, social concern, and adaptive social skills. In contrast, authoritarian and permissive parenting styles are associated with various social behavior problems, including aggression, social anxiety, and low social competence. Furthermore, the relationship between parenting styles and adolescents’ social behavior is mediated by internal psychological factors, such as self-control and emotional intelligence. Therefore, warm, responsive, and consistent parenting practices are essential to support optimal social development in adolescents.

Fathimah Azzahro; Bayu Irwansyah; Galih Gumilar; Devita Niken Hapsari; Dyah Palupiningtyas

An International Journal Tourism and Community Review 2026 Akademi Kesejahteraan Sosial Ibu Kartini Semarang

This research aims to explore the satisfaction–revenue nexus by examining the effect of tourist satisfaction on Revenue Per Available Room (RevPAR) performance in three-star hotels across Southeast Asia. Grounded in Expectation–Confirmation Theory and the Service-Profit Chain framework, the study conceptualizes tourist satisfaction as a strategic intangible asset that contributes to financial performance through both direct and indirect mechanisms. A mixed-methods sequential explanatory design was employed. Quantitative panel data were collected from 312 three-star hotels in Indonesia, Malaysia, Thailand, Vietnam, and the Philippines over the period 2019–2024 and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) and panel regression techniques. The results indicate that tourist satisfaction has a positive and statistically significant direct effect on RevPAR. Furthermore, occupancy rate partially mediates this relationship, suggesting that satisfaction enhances revenue performance primarily through demand stabilization and increased room utilization. Qualitative findings from managerial interviews further confirm that guest satisfaction strengthens online reputation, repeat visitation, and revenue consistency. This study contributes empirical evidence to the literature on satisfaction-driven financial performance in mid-scale hospitality markets and offers strategic implications for revenue optimization in competitive Asian contexts.  

Anti Wulan Agustini; Intan Maharani

Jurnal Pengabdian Masyarakat dan Transformasi Kesejahteraan 2026 Lembaga Pengembangan Kinerja Dosen

Community service is a form of implementation of the Tri Dharma of Higher Education which aims to make a real contribution to society through the application of knowledge and skills possessed by students. The rapid development of the business world requires every company to be able to manage operational activities effectively and efficiently. In carrying out company activities, administration has an important role in regulating various activities related to data recording, document management, and archiving company information. This service activity was carried out at CV. Stara Maju Perkasa with the aim of assisting in the implementation of more orderly and systematic operational administration. The method used is a descriptive method with a participatory approach through observation, interviews, and assistance in operational administration activities. The results of the activity show that the implementation of operational administration can improve the neatness of data recording, document management, and archiving of company archives so as to facilitate the process of searching for information. In addition, this activity also improves employee work efficiency and minimizes errors in administrative management. Thus, the implementation of good operational administration is able to support the smooth running of the company's activities as a whole.

Nurul Rif’ah; Anti Wulan Agustini

Jurnal Pengabdian Masyarakat dan Transformasi Kesejahteraan 2026 Lembaga Pengembangan Kinerja Dosen

Community service is a manifestation of the implementation of the Tri Dharma of Higher Education, oriented toward providing direct benefits to society. In the field of social services, community service activities play an important role in supporting public information transparency, particularly in the dissemination of social assistance programs and social welfare services. This article discusses the implementation of information publication for social programs managed by the Information and Documentation Management Officer (PPID) of the Social Affairs Office of Banten Province as part of a community service activity.The implementation method employed a descriptive qualitative approach through field activities conducted within the Community Work Practice (KKP) program. Data were collected through observation, interviews, and document review. The results of the community service implementation indicate that the PPID of the Social Affairs Office of Banten Province has utilized various communication media, both digital and non-digital, to publish information on social programs, thereby facilitating public access to information. This community service activity has had a positive impact on increasing transparency, accountability, and public trust in the implementation of social programs. Nevertheless, efforts to optimize the management and dissemination of information still need to be enhanced in order to reach all segments of society more effectively.

Muhammad Raihan; Mohamad Maftuh Fauzi

Ebisnis Manajemen 2026 Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

This study aims to analyze the management of sharia-based teaching and learning activities at SD KUTTAB Imam Syafi’i Brebes, including the processes of planning, implementation, and evaluation of learning, as well as the application of sharia values in daily classroom activities. This research employed a quantitative approach, with data collected through observation, documentation, and questionnaires distributed to relevant parties. The data were analyzed descriptively to provide an objective overview of the implementation of sharia-based learning management at the school.The results indicate that the management of teaching and learning activities at SD KUTTAB Imam Syafi’i Brebes has systematically implemented the main management functions, namely planning, implementation, and evaluation. The learning process integrates sharia values such as honesty, discipline, responsibility, trustworthiness (amanah), habituation of worship practices, and the principle of adab before knowledge. Evaluation is conducted not only on academic achievement but also on students’ attitudes and character development. Although several challenges were identified, such as differences in student characteristics and time limitations, the school has addressed them through effective coordination, time management, and administrative improvements.In conclusion, the sharia-based learning management at SD KUTTAB Imam Syafi’i Brebes has been effectively implemented and supports the achievement of educational goals that emphasize not only academic excellence but also the development of Islamic character among students.

Marbun, Christian Dody Diori

International Journal of Sociology and Law 2026 Asosiasi Penelitian dan Pengajar Ilmu Hukum Indonesia

Corporate involvement in environmental crimes has emerged as an increasingly complex legal challenge in Indonesia, given its profound consequences for ecological sustainability and public welfare. This study examines the normative construction of corporate criminal liability within Indonesia's positive legal framework and identifies juridical obstacles undermining enforcement effectiveness. A normative legal research method was employed, incorporating statute, conceptual, and comparative approaches. Although legal instruments such as Law No. 32 of 2009, Supreme Court Regulation No. 13 of 2016, and Law No. 1 of 2023 provide a formal basis for corporate criminal accountability, their implementation is hindered by normative inconsistencies. Key obstacles include difficulties in proving corporate mens rea, limited institutional capacity, regulatory ambiguity, and absence of Piercing the Corporate Veil integration. These conditions create normative gaps perpetuating weak corporate accountability recurring environmental violations. This study recommends regulatory reformulation, harmonization of legal instruments, strengthened institutional capacity toward effective and equitable environmental justice.

Gabriel Aldo Nagama; Yustinus J.W. Yuniarto; Anselmus Joko Prayitno; Dr. Andarweni Astuti

Jurnal Filsafat dan Teologi Katolik 2026 STIKAS Santo Yohanes Salib Kalimantan Barat

The document Apostolicam Actuositatem is a magisterial teaching issued by the Roman Catholic Church that addresses the apostolate of the laity. The present study responds to the contemporary issue of youth skepticism and apathy toward politics, government, and social engagement. The research subjects consisted of 34 members of Pemuda Katolik Komisariat Cabang Kota Semarang as respondents and six organizational board members as key informants. This study employed a mixed-method explanatory approach. Quantitative data were collected through questionnaires using a quota sampling technique, while qualitative data were obtained through in-depth interviews with six informants. The quantitative findings indicate that the internalization of Apostolicam Actuositatem influences apostolic motivation by 48%. The level of apostolic motivation among members in promoting the Pemuda Katolik Komisariat Cabang Semarang organization reached 68.2%. Furthermore, the internalization of Apostolicam Actuositatem toward the implementation of lay apostolate principles was measured at 48.4%.  Qualitative findings from informants (N1–N6) reveal that members’ motivation in understanding Apostolicam Actuositatem is primarily driven by an inner calling, even among those who were previously unfamiliar with the document; this aligns with Article 1 of Apostolicam Actuositatem. Members’ efforts to promote the Pemuda Katolik Organization, both through internal organizational activities and initiatives outside the Church, correspond to Article 30. Moreover, the application of the principles of Apostolicam Actuositatem is implemented at every level of cadre formation within the Pemuda Katolik Organization of Komisariat Cabang Kota Semarang namely Mapenta, KKD, KKM, and KKL—in accordance with Article 22.

Pasaribu, Angelika; Hariyono, Didik; Fajriani, Sisca

JAPSI (Journal of Agriprecision and Social Impact) 2026 CV. Komunitas Dunia Peternakan

Cucumber (Cucumis sativus L.) is a high-value horticultural commodity, but its production has declined due to drought stress affecting plant physiology and female flower formation. To address this issue, the use of mulch and planting spacing can modify the microclimate and reduce inter-plant competition. This study aimed to evaluate the effects of rice straw mulch and planting spacing on the growth, yield, and environmental conditions of cucumber. A factorial randomized block design was employed with two factors: mulch (no mulch and rice straw mulch) and planting spacing (40 × 60 cm, 50 × 50 cm, and 60 × 40 cm), replicated four times. Observed variables included vegetative growth, number of male and female flower, yield, soil temperature, and soil moisture. The study was conducted from June to August 2025 at the Agrotechnopark, Brawijaya University. The results showed a significant interaction between rice straw mulch and 50 × 50 cm planting spacing on fruit diameter, fruit length, fruit weight per fruit, fruit weight per plant, and plant productivity. This combination also created a more stable soil environment. It is concluded that the application of rice straw mulch with a 50 × 50 cm planting spacing is the optimal combination for enhancing cucumber growth and yield through improved microclimate conditions, however, these research are limited to a single growing season and a single experimental location.

Qodrat Bagus; Sabarudin Sabarudin

Jurnal Teknologi Pangan dan Ilmu Pertanian 2026 International Forum of Researchers and Lecturers

Rubber (Hevea brasiliensis) is an important plantation commodity that contributes to improving rural livelihoods. However, the productivity of smallholder rubber plantations remains relatively low due to various technical constraints, socio-economic conditions, and limited farmers’ knowledge and technology. This study aims to analyze the influence of technical aspects of cultivation and socio-economic aspects on farmers’ knowledge and technology in rubber cultivation in Desa Antutan, Kecamatan Tanjung Palas, Kabupaten Bulungan. This research employed a mixed methods approach with a descriptive design. Quantitative data were collected through questionnaires distributed to 30 rubber farmers selected using purposive sampling, while qualitative data were obtained through in-depth interviews and documentation. Quantitative data were analyzed using multiple linear regression with SPSS software, while qualitative data were analyzed through data reduction, data display, and conclusion drawing The results indicate that technical aspects of cultivation and socio-economic aspects simultaneously influence farmers’ knowledge and technology in rubber cultivation. Partially, technical cultivation aspects have a more dominant effect than socio-economic aspects. Qualitative findings reveal that the main problems faced by farmers include improper tapping techniques, aging rubber trees, rubber price fluctuations, and limited access to agricultural training and extension services.

Evi Suwarni; Sudarmiatin Sudarmiatin; Heri Pratikto

Jurnal Manajemen Kewirausahaan dan Teknologi 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study examines the export barriers encountered by emerging small and medium-sized enterprises (SMEs) in Indonesia, with a focus on export documentation challenges, tariff constraints, and the adaptive marketing strategies employed to sustain international market engagement. Employing a qualitative case study approach, this research investigates PT Albarka International Group, a nascent export-import company established in 2021 and headquartered in Malang, East Java, which specializes in the export of natural commodities including Bakhur-related materials (opercula shells, damar resin, agarwood), spices, and other Indonesian products to Middle East markets including Yemen, Saudi Arabia, UAE, Libya, Sudan, and Djibouti. Data were collected through in-depth interviews with key company personnel and supplemented by document analysis. Findings reveal three primary export barriers: (1) high shipping tariffs relative to regional competitors, frequently triggering order cancellations by importers; (2) complex and time-intensive export documentation requirements, particularly for regulated natural resource products subject to CITES compliance, fish quarantine certification (Health Certificate), and customs declaration (PEB); and (3) internal organizational constraints stemming from overlapping job roles. In response, PT Albarka has adopted adaptive strategies including Full Container Load (FCL) consolidation to reduce per-unit shipping costs, advance payment systems (TT in advance) to mitigate importer default risk, and collaborative consultation with customs and quarantine authorities. The study contributes to the SME internationalization literature by demonstrating how resource-constrained emerging exporters navigate institutional and logistical complexities in developing economy contexts, offering practical insights for SME practitioners and export policy stakeholders.

Yasmina Zalfa; M. Daffa’ Amri; Amanda Arinatul Sivana; Putri Rahma Nurjannah; Ahc Fauzi +3 more

Jurnal Rumpun Ilmu Bahasa dan Pendidikan 2026 Asosiasi Periset Bahasa Sastra Indonesia

This study aims to analyze news texts on the online news portal IDN Times. In addition, the study aims to identify various syntactic errors in the news texts on the portal, including non-standard sentence structures, the use of loanwords, ambiguous sentences, inappropriate diction, and low word efficiency, thereby providing an overview of the language quality and presentation of information in the online media. This research employs a qualitative descriptive approach, with a syntactic framework as the theoretical foundation. The researcher obtained data by reading several relevant references and recording information that could be used as data. Therefore, the reading and note-taking technique was used in this study. The data in this study consisted of news texts from the online news portal IDN Times, edition 2025. The data analysis method employed is the distributional method. The researcher analyzed the texts by identifying sentences that did not conform to syntactic rules and assessed the suitability of the texts as proper and accurate news texts. The results revealed various syntactic errors, including errors in sentence structure, diction, punctuation, sentence effectiveness, loanword usage, and conjunction usage. How ever, the findings indicate that although some syntactic errors were found, the news texts on the portal generally have a relatively good and coherent structure. Therefore, the texts can provide valuable insights into language use in the context of online media and serve as sources of information for studying language quality and effective communication in digital news writing.

Gessa Sevic Avrilliano; Erna Indriastiningsih; Anita Oktaviana Trisna Devi

Jupiter: Publikasi Ilmu Keteknikan Industri, Teknik Elektro dan Informatika 2026 Asosiasi Riset Ilmu Teknik Indonesia

Occupational Safety and Health (K3) is an important aspect in protecting workers from potential accidents and health problems arising from work activities, including in the administrative sector, which is often considered low-risk. However, the Human Resources (HR) Department at PT Micro Madani Institute (MMI) Solo Branch still found several potential hazards and work risks that have not been optimally identified. This study aims to apply the Hazard and Operability Study (HAZOPS) and Job Safety Analysis (JSA) methods to identify and mitigate hazards and work accident risks in the HR Department's activities at PT Micro Madani Institute (MMI) Solo Branch. The research method is a qualitative study with a descriptive approach through observation and interviews. Risk analysis used the JSA and HAZOPS methods. The results of the study show that the application of the HAZOPS method in five sections of the HR Department successfully identified 53 potential hazards and risks, consisting of 12 extreme risks, 23 high risks, 15 moderate risks, and 3 low risks with the Employee Training and Development section as the section with the largest number of risks. Meanwhile, the application of the JSA method also identified 53 potential hazards and risks from 19 work activities. The dominant risks stem from non-ergonomic work postures, prolonged sitting, intensive computer use, and high workloads. This study concludes that the JSA and HAZOPS methods are effective in identifying potential occupational hazards and risks and can serve as the basis for control efforts to minimize workplace accidents and improve OHS implementation in the HR Department.

Ni Nyoman Ayu Pradnyani Putri Editha; I Gede Suwiwa; Peby Gunarto

Jurnal Riset Rumpun Ilmu Pendidikan 2026 Lembaga Pengembangan Kinerja Dosen

This study aimed to develop a flipbook-based multimedia teaching material for the Tennis Learning course. The research employed a Research and Development (R&D) approach using the ADDIE model as the development framework, which consists of five stages: (1) Analysis, (2) Design, (3) Development, (4) Implementation, and (5) Evaluation. The research subjects included students of the Physical Education, Health, and Recreation Study Program, Faculty of Sports and Health, Universitas Pendidikan Ganesha, as well as subject matter experts, instructional design experts, instructional media experts, and field practitioners. The product was evaluated through individual trials (3 students), small group trials (7 students), and large group trials (21 fourth-semester students). The validation results indicated feasibility percentages of 96% from the subject matter expert, 97% from the instructional design expert, 100% from the instructional media expert, and 97% from the field practitioner. Meanwhile, student trial results showed feasibility percentages of 97% in the individual trial, 96% in the small group trial, and 97% in the large group trial. Therefore, the flipbook-based multimedia teaching material on officiating in the Tennis Learning course was categorized as excellent and highly feasible for use as a supporting instructional resource in both classroom and field learning activities.

Farhan Andrian; I Gede Suwiwa; Peby Gunarto

Jurnal Riset Rumpun Ilmu Pendidikan 2026 Lembaga Pengembangan Kinerja Dosen

This study aims to develop flipbook-based multimedia instructional materials for the basic techniques of forehand and backhand volley in the Tennis Learning course. This research employed a Research and Development (R&D) approach using the ADDIE model, which consists of five stages: analysis, design, development, implementation, and evaluation. The validation subjects included a content expert, a learning media expert, an instructional design expert, and a field practitioner. Product trials were conducted with students of the Physical Education, Health, and Recreation Study Program, Faculty of Sports and Health, Universitas Pendidikan Ganesha, through individual trials involving three students, small-group trials involving seven students, and large-group trials involving twenty-one students. Data were collected using questionnaires with rating scales and were analyzed using descriptive qualitative and quantitative analysis in the form of percentages. The results indicated that the content expert validation achieved 98%, the media expert 93%, the instructional design expert 97%, and the field practitioner 98%, all categorized as very good. The individual trial obtained 97%, the small-group trial 98%, and the large-group trial 96%, all classified as very good. Therefore, the flipbook-based multimedia instructional materials on basic volley techniques are considered highly feasible for use as learning resources in tennis instruction.  

Ading Rahman Sukmara

Ebisnis Manajemen 2026 Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

This study aims to analyze the effectiveness of human resource management at Company X in improving organizational performance. Human resources are a strategic factor that plays an important role in supporting the operational success of a company. This research uses a descriptive approach with qualitative methods supported by simple quantitative data analysis. Data were collected through interviews, observations, and documentation related to workforce management within the company. The results indicate that the number of employees has increased along with the development of the company's operational activities. The workforce structure is dominated by productive-age employees who have good adaptability to technological developments and work demands. However, several challenges were identified in human resource management, particularly in workforce planning, recruitment processes, and the effectiveness of training and employee performance evaluation programs. Therefore, the company needs to improve its human resource management system through more selective recruitment processes, relevant training programs, and a more objective performance evaluation system. These improvements are expected to enhance employee productivity and strengthen the company's competitiveness.

Muhsyi Alyah; Andi Patimbangi; Fitriani Arief

Jurnal Bisnis, Ekonomi Syariah, dan Pajak 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aimed to investigate the influence of content exposure and celebrity endorsement on the consumptive behavior of Muslim adolescents among students at MAN 1 Bone. The population for this research was students of MAN 1 Bone for the 2023/2024 academic year. The sampling technique employed was simple random sampling with a total of 100 respondents. Data was collected through the distribution of questionnaires and documentation. This research utilized an explanatory survey research method with a quantitative approach. The data analysis techniques used were statistical tests, including multiple linear regression, t-test, f-test, and the coefficient of determination (R2) test. The results revealed that: (1) There was no significant influence of content exposure on the consumptive behavior of MAN 1 Bone students. (2) Celebrity endorsement significantly influenced the consumptive behavior of MAN 1 Bone students. (3) Content exposure and celebrity endorsement had a significant influence on the consumptive behavior of MAN 1 Bone students. The combined effect of the content exposure and celebrity endorsement variables on the consumptive behavior variable of MAN 1 Bone students was 25.2%, while the remaining 72.8% was explained by other factors outside the two independent variables studied.

Shoofy Jasmine; Muhammad Yusuf; Fikry Prastya Syahputra

Populer: Jurnal Penelitian Mahasiswa 2026 Universitas Maritim AMNI Semarang

This study investigated the logical function of clause complexes in two selected English nursery tales, Jack the Giant Killer and Jack and the Beanstalk, using Halliday’s Systemic Functional Linguistics (SFL) framework. The research focuses on the realization of clause interpendency through the taxis system (parataxis, hypotaxis, and taxis combination) and logico-semantic relations (elaboration, extension, enhancement, idea and locution). The method employed is qualitative content analysis based on Krippendorf involving processes such as unitizing, sampling, coding, reducing, interpreting, and narrating. From 1,048 clauses analyzed, 341 wereidentified as clause complexes. The findings show that enhancement is the most dominant logico-semantic relation (164 cases), followed by extension (123 cases), elaboration (100 cases), locution (57 cases), andidea (22 cases). The findings show that paratxis is the most dominant taxis in selected English nursery tales. While hypotaxis relations mostly realized in enhancement, while extension appeared dominantly in parataxis. These results reveal that although nursery tales are intended for children, they often employ complex grammatical structure, therefore, balancing narrative engagement and linguistic accessibility is crucial to support children’s language development and reading comprehension.

Siti Alifah Tzahdiah; M. Ikhwan Maulana Haeruddin; Chalid Imran Musa; Anwar Anwar; Tenri Sayu Puspitaningsih Dipoatmodjo

Populer: Jurnal Penelitian Mahasiswa 2026 Universitas Maritim AMNI Semarang

This study aims to explore employees’ work experiences related to work-life balance and compensation in shaping employee performance at CV. Sepanjang Masa (Masa Kreatif), a social media agency located in Makassar. A qualitative approach with a descriptive-analytical field design was employed. Data were collected through in-depth interviews, passive participant observation, and documentation involving 11 informants from both management and creative teams. Data analysis followed processes of data reduction, data display, and conclusion drawing, with trustworthiness ensured through triangulation techniques. The findings reveal that employees’ work-life balance experiences are dynamic and heterogeneous. Work flexibility provides opportunities for personal time management; however, rapid response demands and intensive content production blur the boundaries between work and personal life. A supportive, communicative, and collaborative work environment acts as a protective factor that mitigates work pressure and fosters creativity. Compensation is perceived not only as financial remuneration but also as a symbol of recognition, professional development opportunities, and organizational appreciation, although gaps remain between employee expectations and organizational capacity. Integratively, work-life balance, work environment, and compensation constitute interconnected work experiences influencing employee engagement and performance within the digital creative industry.

Nadya Ramadinah; Latiffa Amanda Putri Nur; Dwi Erma Nadhifa; Wahdania Wahdania; Rizki Novirson +1 more

RISOMA : Jurnal Riset Sosial Humaniora dan Pendidikan 2026 Asosiasi Ilmuwan Pendidikan, Sosial, dan Humaniora Indonesia

Child grooming is a form of non-physical sexual abuse that involves gradual emotional manipulation, often making it difficult to detect. It typically begins with the abuser gaining the child’s trust and gradually introducing inappropriate behavior, with the goal of sexual exploitation. This study aims to explore the phenomenon of child grooming and the crucial role of guidance and counseling in preventing and managing such cases. The method employed is a literature review, analyzing various relevant scientific articles and research studies. The findings indicate that child grooming is influenced by several factors, including individual traits, family dynamics, and the use of digital media, which has become an increasingly prevalent platform for such abuse. Victims of grooming often experience significant psychological and social consequences, including trauma, emotional distress, and difficulty in forming healthy relationships. Guidance and counseling services are essential in the prevention, early detection, and intervention in grooming cases. These services provide support for both potential victims and their families, helping them understand and recognize the signs of grooming. Additionally, counseling plays a key role in victim recovery, offering psychological support to overcome the lasting impacts of abuse. This research underscores the need for proactive measures and comprehensive guidance and counseling strategies to address child grooming effectively.

Dasilva, Laurensia Fatmawati; Andia Dekrita, Yosefina; Herdi , Henrikus

Jurnal Projemen UNIPA 2026 Universitas Nusa Nipa Maumere

This study analyzes the performance of Account Officer (AO) and Loan Officer (LO) on the development of savings and loans at Koperasi Simpan Pinjam (KSP) Kopdit Obor Mas, Agrobusiness Branch. The objective of this study is to describe the role of Account Officer (AO) and Loan Officer (LO) in fostering the growth of savings and loan disbursement, as well as to identify the determinant factors influencing the effectiveness of their performance. The analytical method employed is descriptive qualitative using observation, interviews, and documentation techniques. The results indicate that the role of Account Officer (AO) in marketing and mobilizing savings, as well as the role of Loan Officer (LO) in credit feasibility analysis, loan disbursement, and credit monitoring, functions as a dominant factor driving the growth of members’ savings and loans. However, the effectiveness of their performance is constrained by limited human resources and suboptimal credit supervision. Although the operational and service systems have been implemented in accordance with established procedures, strengthening competency and monitoring systems is necessary to transform the performance of Account Officer (AO) and Loan Officer (LO) into a more effective and sustainable contribution to the development of savings and loans.