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Cantikawanti, Aninda Putri; Widanti, Yannie Asrie; Suhartatik, Nanik

Agrobioteknologi 2025 Fakultas Teknologi dan Industri Pangan Unisri Surakarta

Nutritional problems during the growth phase of adolescent are mostly caused by consumption patterns. The most commonly used eating patterns during adolescent are foods that are high in calories, fat, sugar and salt. The habits of an unhealthy eating pattern can affect nutritional status. The foods most consumed by adolescent are often junk food and caffeinated beverages. All kinds of food and drinks are easily found around campuses surrounded by student. The purpose of this study was to determine the relationship between junk food consumption and caffeinated beverages to the nutritional status of students of the Faculty of Technology and Food Industry at Slamet Riyadi University, Surakarta. The respondents involved were students aged 18-24 years. Data was collected using a questionnaire and interview to the student. Data were analyzed using Chi-Square test. The results showed that factor affecting the nutritional status of student was mother’s education (p=0,000) and father’s education (p=0.000). Factors that do not affect nutritional status were energy intake (p=0.545), protein (p=0.085), fat (p=0.204) and carbohydrate (p=0.112), the amount of pocket money (p=0.310), the consumption level of junk food (p=0.671) and caffeinated drinks (p=0.535). The results showed that there was no significant relationship between the consumption patterns of junk food and caffeinated drinks on the nutritional status of students of the Faculty of Food Technology and Industry at Slamet Riyadi University, Surakarta. Permasalahan gizi yang terjadi saat pertumbuhan fase remaja lebih banyak disebabkan karena pola konsumsi.  Pola makan yang sering diterapkan pada masa remaja adalah makanan tinggi kalori, lemak, gula, dan garam. Pola makan yang tidak sehat dapat mempengaruhi status gizi seseorang. Makanan yang paling banyak dikonsumsi oleh kalangan remaja masuk dalam kategori junk food dan juga minuman berkafein. Makanan dan minuman kategori ini mudah ditemukan di sekitar kampus yang dikelilingi mahasiswa. Tujuan pada penelitian ini ialah menentukan hubungan pola konsumsi junk food dan minuman berkafein terhadap status gizi mahasiswa Fakultas Teknologi dan Industri Pangan di Universitas Slamet Riyadi, Surakarta. Responden yang terlibat ialah mahasiswa berusia 18-24 tahun. Pengumpulan data menggunakan kuesioner dan wawancara kepada mahasiswa. Analisis data menggunakan uji Chi-Square. Hasil penelitian menunjukkan bahwa faktor yang mempengaruhi status gizi mahasiswa adalah pendidikan ibu (p=0.000) dan pendidikan ayah (p=0.000). faktor yang tidak mempengaruhi status gizi ialah asupan energi (p=0.545), protein (p=0.085), lemak (p=0.204) and karbohidrat (p=0.112), jumlah uang saku (p=0.310), tingkat konsumsi junk food (p=0.671) dan minuman berkafein (p=0.535). Hasil penelitian menunjukkan tidak terdapat hubungan signifikan antara pola konsumsi junk food dan minuman berkafein terhadap status gizi mahasiswa Fakultas Teknologi dan Industri Pangan Universitas Slamet Riyadi, Surakarta.

Erwin Putra Rasul Dafana; Arga Christian Sitohang

This study aims to analyze the effect of government expenditure and Regional Own-Source Revenue (PAD) on the Gross Regional Domestic Product (GRDP) of Surabaya City during the period 2014–2022. The background of the study stems from the crucial role of regional fiscal policy in promoting economic growth and the observed mismatch between the increase in regional expenditure and PAD with the development of GRDP. The research employs a quantitative approach using multiple linear regression analysis based on time-series data obtained from BPS and DJPK. The findings show that government expenditure and PAD simultaneously have a significant effect on GRDP. Partially, government expenditure has a positive and significant effect, while PAD has a positive but not significant effect on GRDP. The coefficient of determination (R²) value of 0.998 indicates that both variables can explain most of the variation in GRDP. These results confirm that government expenditure is the dominant fiscal instrument in driving economic growth in Surabaya, while the contribution of PAD still needs to be strengthened to effectively enhance fiscal capacity and stimulate productive economic activities. This study is expected to serve as a reference for local governments in formulating more targeted budget policies

Susila Isma; Shovia Alkesya Mardila; Tri Wahyuni Damayanti; Sazuli Sazuli; Reflis Reflis

Mikroba : Jurnal Ilmu Tanaman, Sains Dan Teknologi Pertanian 2025 Asosiasi Riset Ilmu Tanaman Dan Hewani Indonesia

This study aims to assess the growth rate of harvested area and rice production in Bengkulu Province during the 2019–2024 period and to examine spatial variation across districts as a basis for regional agricultural policy planning. The data used are secondary, consisting of a series of spatial and temporal data on harvested area and rice production; the analysis method includes calculating the compound annual growth rate (CAGR) for each indicator and examining temporal and spatial patterns across districts. The analysis results indicate a negative growth rate in the rice sector, with a relatively larger contraction in harvested area compared to production, accompanied by fluctuations and differences between years, indicating heterogeneity in agricultural performance at the district level. These findings have clear policy implications: the need for agricultural land protection measures, improvement and maintenance of irrigation infrastructure, increased farmer access to technology and markets, and the implementation of indicator-based growth rate monitoring to determine intervention priorities. To strengthen the policy base, recommended further research includes field verification and combined (quantitative-qualitative) studies to identify local factors driving the observed trends and fluctuations.

Motammimah; Qurratul A’yun

Jurnal Pengabdian Kepada Masyarakat Sisthana 2025 Stikes Kesdam IV/Diponegoro Semarang, Indonesia

Wanita memiliki banyak masalah  pada  area  vagina.  Kebanyakan  kasus  yang  terjadi  adalah  keputihan.  Keputihan  atau  dalam bahasa  medis  disebut  dengan  flour  albus  merupakan  keluarnya  cairan  yang  berlebihan  dari vagina  yang  bukan  darah  haid. Pengobatan  keputihan  non  farmakologis  dapat  dilakukan  dengan  perubahan  tingkah  laku  personal  hygiene,  psikologis,  serta menggunakan daun sirih. Daun sirih telah terbukti secara ilmiah dapat menghambat pertumbuhan Candida albicans pada berbagai konsentrasi (20-100%).  Berdasarkan  data  yang  didapat  di  Desa Majungan Kecamatan Pademawu kabupaten Pamekasan  pada  tanggal  18  Juli  2025  terdapat remaja usia reproduktif yang mengalami keputihan sejumlah 8 orang, rata –rata usia 18-22 tahun. Berdasarkan data yang didapat di Desa Majungan Kecamatan Pademawu Kabupaten Pamekasan pada tanggal 18 Juli 2025 terdapat remaja usia reproduktif yang mengalami keputihan sejumlah 8 orang dari 35 remaja lainnya,  rata –rata  usia  18-22  tahun  wanita  usia  reproduktif  di  Desa Majungan Kecamatan Pademawu Kabupaten Pamekasan ini belum pernah mengetahui banyak manfaat pada daun sirih hijau, sehingga tim  pengabdian  kepada  Masyarakat  tertarik  untuk  melakukan  Pendidikan  Kesehatan dalam  bentuk  penyuluhan  terkait  manfaat  air  rebusan  daun  sirih  terhadap  fluor  albus pada wanita usia reproduktif di Desa Majungan Kecamatan Pademawu.

Yolanda Christanto; Magdalena Nany

Due to the fact that it exploits legal gaps (gray areas) in tax rules and regulations, tax avoidance is classified as a valid and non-violating activity, despite the fact that the government does not want it. This study aims to gather factual information about the relationship between tax avoidance and firm size, sales growth, capital intensity, and profitability. 111 data points were gathered from 37 banking companies that were listed on the Indonesia Stock Exchange between 2020 and 2022. The gathered data was examined using multiple regression analysis at a 5% significance level. It was discovered that there was no discernible relationship between tax evasion and profitability, capital intensity, firm size, or sales growth.

Herlangga Prasetya Putra Pariswari Santoso; Renta Yustie

This study aims to analyze the influence of vocational education in vocational high schools, the number of educators, and the number of educational units on economic growth, particularly in vocational education in vocational high schools in districts or cities in East Java that have participated in education in both the formal and informal sectors in 38 districts or cities in East Java from 2019 to 2023. The research method used is a quantitative approach with data collection through secondary written sources or existing documents from relevant agencies, such as the Directorate General of Early Childhood Education, Basic and Secondary Education, the Central Statistics Agency of East Java Province, and the Ministry of Basic and Secondary Education. The dependent and independent variables were collected from thirty-eight districts and cities in East Java Province during the period 2019–2023. The analysis results indicate that Vocational Education has a significant impact on Economic Growth, with a significance value of 0.000 and a calculated t-value of 1.463392. Additionally, the Number of Educators shows a significant influence on Economic Growth, with a significance value of 0.000 and a calculated t-value of 7.710562. Furthermore, the number of educational institutions has a significant influence on economic growth, with a significance value of 0.000 and a t-value of 6.596880. The coefficient of determination (R²) indicates that 71.28% of the variation in economic growth can be explained by these three independent variables. This study concludes that both Vocational Education at SMK, the Number of Educators, and the Number of Educational Units play a significant role in influencing Economic Growth across all Vocational Education at SMK in the districts or cities of East Java.

Anisa Fadhila Rahmi; Nadya Putri Ahlina; Nasya Amanda Rifianti; Nisrina Najla Deasianti; Syarofah Zahra +2 more

Jurnal Pengabdian Masyarakat Waradin 2025 Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia Semarang

Generation Z is recognized as a group that is adaptive to technological developments; however, they still face serious challenges in terms of financial management. Based on the National Survey of Financial Literacy and Inclusion by the Financial Services Authority (OJK) in 2022, the level of financial literacy in South Kalimantan is still far below the national average, at only 42.88% compared to 49.68%. This low level of financial literacy often triggers consumptive behavior and lack of responsibility in financial decision-making. This community service activity aims to enhance comprehensive understanding of financial literacy, build skills in financial management and recording, and foster interest in safe investment through education digitalization. The implementation method includes material delivery through socialization, followed by discussion and question-and-answer sessions, as well as evaluation using Pre-Test and Post-Test instruments. The results of the activity demonstrate an increase in understanding, as reflected by the increase in the average scores from 75,33 in the Pre-Test to 100 in the Post-Test, indicating a 24,67% improvement. Thus, this activity not only enhanced understanding but also fostered awareness of the importance of wise financial management in the face of digital economic challenges.

Ajeli, Rahel

Jurnal Teknik Sipil 2025 Faculty Of Engineering University 17 August 1945 Semarang

Kebutuhan akan angkutan umum berbasis rel berdampak luas terhadap pertumbuhan penduduk dan aktivitas ekonomi Jakarta. Penelitian ini bertujuan untuk membandingkan KRL Commuter Line dan MRT Jakarta dari dua aspek Kemampuan Membayar dan Kesediaan Membayar. Analisis ini dilakukan dengan pendekatan studi literatur deskriptif-komparatif. Jurnal, prosiding, tesis, dan dokumen kebijakan yang digunakan sebagai sumber sekunder melalui analisis konten. KRL dengan tarif dasar sebesar Rp. 3.000,- mendapatkan ATP Rp. 3.770,- – Rp. 4.825,- dan WTP Rp. 3.974,- – Rp. 5.057,-, yang berarti KRL berpotensi untuk perubahan tarif sebesar Rp. 770,-. MRT Jakarta untuk tarif sebesar Rp. 14.000,- untuk fase 2A, ATP menunjukkan daya beli Rp. 17.044,- dan WTP Rp. 19.000,-. Pola penumpang terikat muncul dan sangat bergantung, di sisi ujung, dengan WTP yang tinggi dan ATP yang rendah, untuk kedua moda, menandakan MRT dan KRL sangat efisien dan nyaman. Penelitian ini berpendapat agar penyesuaian tarif dilakukan dan untuk jangka panjang, tarif perlu diikuti dengan peningkatan mutu pelayanan dengan penyesuaian yang progresif dan sesuai dengan penghasilan bagi masyarakat berpendapatan menengah ke bawah, agar mutu pelayanan tidak berkualitas rendah.

Eka Prianti, Lia; Taufik Aditama, Akhmad

Jurnal Teknik Sipil 2025 Faculty Of Engineering University 17 August 1945 Semarang

Proyek Trade Mall di Jabodetabek sebagai bagian dari bisnis properti merupakan proyek yang memiliki tingkat penyerapan pasar tertinggi diantara proyek properti komersial lainnya seperti apartemen, hotel, perumahan, kantor, dan industri. Tujuan dari penelitian ini untuk mengevaluasi strategi pra pengembangan proyek trade mall dalam rangka meningkatkan profitabilitas dan daya saing developer di wilayah Jabodetabek serta mengidentifikasi variabel-variabel yang menentukan tingkat profitabilitas dari pra pengembangan proyek Trade Mall, menyusun model system dynamics yang dapat menggambarkan pengaruh dari supply dan demand pengembangan proyek Trade Mall terhadap kinerja daya saing developer, membuat rekomendasi tindakan perbaikan terhadap penyebab terjadinya penurunan tingkat profitabilitas dan kinerja daya saing developer. Metode penelitian yang digunakan adalah analisis arsip dan survei. Kemudian data yang telah diperoleh dianalisa dengan menggunakan analisa statistik dan system dynamics. Hasil penelitian menunjukkan ada dua faktor utama yang berpengaruh terhadap tingkat profitabilitas proyek, yaitu harga jual dan tingkat penjualan, gap pertumbuhan Trade Mall yang diperoleh dari simulasi supply & demand. Serta rekomendasi tindakan perbaikan yang dilakukan terhadap penyebab penurunan profitabilitas dan daya saing developer.

Zakiah Nurul Fitri; Nanda Nur Hafizhah; Hasnah Hasnah; Hasna mustika Zahra; Ani Rahmaindah +4 more

Prosiding Seminar Nasional Ilmu Pendidikan 2025 Asosiasi Riset Ilmu Pendidikan Indonesia

Education has long been recognized as a primary determinant of economic progress and human development , yet in the context of a global economy characterized by rapid technological change and the sustainability imperative, the focus shifts from the mere quantity of investment to its effectiveness in fostering sustainable economic growth. Current education systems face significant challenges, including a persistent global "learning crisis" , governance inefficiencies , and a misalignment between curricula and the demands of the labor market, particularly the green and digital economies. Given that existing literature often treats education investment as a static input and fails to holistically integrate sustainability and governance into the optimization process , this conceptual article aims to bridge these theoretical and empirical gaps by proposing an integrated model for the optimization of education investment for sustainable economic growth. The method involves a conceptual analysis that synthesizes human capital theory , endogenous growth theory , and the economics of sustainability , emphasizing the roles of governance, innovation, and inclusivity as mediating factors. The key finding of the study indicates that optimization necessitates a paradigm shift from input-oriented budgeting toward an outcome-based investment framework that holistically balances three crucial dimensions: efficiency (maximizing learning outcomes) , equity (ensuring inclusive access) , and relevance (alignment with sustainability needs). The resulting policy implications are delineated across the Macro (fiscal integration and sustainability strategies through performance-based funding) , Meso (institutions transform into adaptive innovation centers) , and Micro (enhancement of reskilling, upskilling, and human capital capacity) levels; by achieving this alignment, education successfully transitions from a cost center to a strategic catalyst driving sustained prosperity.    

Badriyah Dwi Lestari; Anwar Hariyono

Akuntansi dan Ekonomi Pajak: Perspektif Global 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study focuses on analyzing the influence of sustainability reports, free cash flow, and sales growth on the financial performance of energy sector companies listed on the Indonesia Stock Exchange (IDX) during the 2019–2023 period. Financial performance is measured using Return on Assets (ROA) as the main indicator to assess a company's ability to generate profits from its total assets. This study uses a quantitative approach with multiple linear regression analysis to examine the relationship between variables. The data used are documentary data with secondary data sources obtained from financial reports and company sustainability reports. A purposive sampling technique was applied to determine the research sample based on certain criteria, resulting in 95 observational data. The results show that free cash flow and sales growth have a significant influence on financial performance, indicating that the company's ability to generate free cash and increase sales directly contribute to performance improvements. Conversely, sustainability reports were not proven to have a significant effect on financial performance, so sustainability disclosure has not been a determining factor in increasing the ROA of energy sector companies during the study period.

Ali, Fandyka Yufriza

Hidroponik : Jurnal Ilmu Pertanian Dan Teknologi Dalam Ilmu Tanaman 2025 Asosiasi Riset Ilmu Tanaman Dan Hewani Indonesia

The early growth of Coffea arabica seedlings is highly influenced by the quality of the growing medium and nutrient uptake efficiency during the nursery phase. This study aimed to evaluate the effect of local-material-based growing media formulations and arbuscular mycorrhizal fungi (AMF) inoculation on the vegetative growth of C. arabica Lini S 795 seedlings. The experiment was conducted using a completely randomized design (CRD) with eight treatments involving combinations of soil, rice husk, fermented manure, and Glomus sp. mycorrhiza, each replicated three times. Observed parameters included plant height, leaf number, root length, root dry weight, and shoot dry weight. Results showed that the combination of soil, rice husk, manure, and mycorrhiza significantly enhanced all growth parameters compared to the control. The synergistic interaction between local organic components and biological agents improved the physical, chemical, and biological properties of the growing media, thereby optimizing root and shoot development. These findings suggest that integrating locally available organic materials with mycorrhizal inoculants offers an effective, eco-friendly, and sustainable approach to coffee seedling cultivation, with high potential for broader field-scale application.

Senna Hendrian; Ambar Tri Hapsari

Switch : Jurnal Sains dan Teknologi Informasi 2025 Asosiasi Profesi Telekomunikasi Dan Informatika Indonesia

This study aims to analyze the effect of utilizing online sales application technology on the economic growth of local product-based Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. The rapid advancement of digital technology has encouraged MSMEs to integrate online sales applications into their business processes to enhance competitiveness and business sustainability. This research employs a quantitative explanatory approach using survey data collected from MSME actors who actively utilize online sales application technology. The independent variable in this study is the utilization of online sales application technology, while the dependent variable is MSME economic growth, measured through sales growth, income growth, and market expansion. Data were analyzed using multiple linear regression, including t-test, F-test, and coefficient of determination (R²). The results indicate that the utilization of online sales application technology has a positive and significant effect on MSME economic growth. These findings emphasize the strategic role of digital technology adoption in strengthening MSME performance and supporting inclusive economic growth in Indonesia. The study provides important implications for policymakers and stakeholders in promoting digital transformation among MSMEs.

Mifta Hul Rahman; Rahmat Daniel Fauzi; Puti Andiny; Safuridar Safuridar

Jurnal Ekonomi dan Pembangunan Indonesia 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The economy of West Sumatra Province has shown a significant decline in recent years, with the lowest growth rate on the entire island of Sumatra. This study aims to examine the influence of capital expenditure, unemployment, and the Human Development Index on economic growth in this region between 2014 and 2024. Using multiple linear regression and data sourced from the Central Statistics Agency (BPS) and the Directorate General of Fiscal Balance, the analysis shows that capital expenditure and unemployment have a significant negative impact on economic growth, while the Human Development Index (HDI) has no significant impact. Although capital expenditure varies, the decline in unemployment indicates a change in labor market conditions. This information indicates that government efforts to increase spending on infrastructure and public services are still ineffective in driving growth. Therefore, it is recommended that the government prioritize budget allocations in productive sectors such as infrastructure, tourism, and MSME development to help small businesses grow and advance through training, capital support, and technology implementation to ensure competitiveness and sustainability. Therefore, this study is expected to provide deeper insight into the elements that influence economic growth in West Sumatra and serve as a guide for further, more comprehensive research.  

Anita Mariana Parulian; Jonatan Octavianus; Hasanema Wau

jurnal Riset Rumpun Agama dan Filsafat 2025 Pusat Riset dan Inovasi Nasional

This study examines the biblical approach to the truth and inspiration of the Word of God in critical dialogue with Progressive Christian Theology (PCT). Using a qualitative-descriptive method and comparative biblical-theological analysis, the research explores the fundamental differences, points of convergence, and potential integration between the two approaches. PCT emphasizes the importance of socio-cultural context, moral development, and human experience in understanding faith. In contrast, biblical theology affirms the authority and unchanging nature of the Word of God as the foundation of absolute truth that undergirds church doctrine and practice. The findings indicate an urgent need to formulate a balanced synthesis between fidelity to the biblical text and sensitivity to contemporary cultural changes. This integrative approach is not intended to weaken the authority of Scripture but to enrich theological understanding so that it becomes more relevant to modern contexts without neglecting divine truth. This synthesis ultimately produces a model of church growth that is contextual, Scripture-centered, and capable of balancing love and truth in addressing contemporary theological, social, and ethical challenges. The model bears significant implications for shaping congregational spirituality, developing pastoral ministry, and guiding the church’s mission amid increasingly complex cultural shifts.

Darius kahabi Raumbani

Kolaborasi : Jurnal Hasil Kegiatan Kolaborasi Pengabdian Masyarakat 2025 Asosiasi Riset Ilmu Matematika dan Sains Indonesia

In life as a congregation and as servants of God, we cannot escape conflict within the church. Sometimes, conflict is inevitable within a church. This is because sometimes things start out fine, but when conflict arises, each individual makes their own decisions. Some choose to remain on the other side, while others choose to leave the fellowship. This article aims to explain the factors that cause divisions in the church, specifically the GKSI Makarios church, and what actions God's servants should take when faced with such a situation. Of course, this article uses two sources to resolve this issue, namely interviews and data such as books or other reading sources that discuss similar events related to the topic. It is hoped that this article will be a valuable lesson for ministers and congregations in dealing with every situation in the church. It is important to discuss this topic in order to educate readers that disputes are inevitable in church organizations. Therefore, when joining a community, it is important to consider the best solutions for dealing with disputes so that one does not act rashly when trying to resolve problems properly.

Dadang Wibowo; M.Firmansyah

Akuntansi Pajak dan Kebijakan Ekonomi Digital 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Macroeconomic indicators are essential instruments in the process of planning a country's development. Assumptions regarding inflation, unemployment, and economic growth are often used by governments to determine macroeconomic policies. Given this context, it becomes important to empirically understand the relationship among these three macroeconomic indicators in Indonesia. This study statistically examines the relationship between the variables of inflation, unemployment, and economic growth using the Vector Error Correction Model (VECM) method. The results show that inflation and the open unemployment rate significantly influence economic growth. Inflation has a positive relationship with economic growth, while the open unemployment rate has an inverse relationship with economic growth. In the short term, economic growth is significantly affected by the growth rate in the previous period (lag-1 or t-1). Meanwhile, inflation and the open unemployment rate do not statistically have a significant impact on economic growth. Shocks to inflation and the open unemployment rate are relatively not excessively responded to by economic growth.

Rahma Ningrum; Ajeng Tita Nawangsari

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The purpose of this research is to analyze how strategies for collecting and managing Third Party Funds (DPK) affect the profitability level of Bank Jatim. As the bank’s main funding source, the effectiveness of DPK management significantly determines its ability to distribute credit, maintain liquidity, and improve financial performance. This research applies a qualitative descriptive methodology within a case study framework at Bank Jatim, with data collected through comprehensive field observations. conducted during the MBKM internship program in the Accounting and Financial Management Division, complemented by the analysis of Bank Jatim’s financial statements for the 2024–2025 period. The findings reveal that the 15% growth in DPK in 2024 positively contributed to the increase in productive assets, net interest margin (NIM), and return on assets (ROA). Bank Jatim’s main strategies include increasing the proportion of low-cost funds (CASA), digitalizing services through the JConnect application, collaborating with local governments, and providing exclusive services for priority customers. These approaches not only promote the growth of low-cost funds but also strengthen customer loyalty and the bank’s competitiveness amid the evolving banking landscape. The study concludes that innovative, efficient, and digitally based DPK management enhances Bank Jatim’s profitability and reinforces its role as a regional development bank. The study recommends strengthening financial literacy among the public and diversifying deposit products to expand the customer base..      Keywords: Third Party Funds, Bank Jatim, Profitability, Digital Banking, Financial Management Abstrak. Penelitian ini bertujuan untuk menganalisis bagaimana strategi penghimpunan dan pengelolaan Dana Pihak Ketiga (DPK) berpengaruh terhadap tingkat profitabilitas Bank Jatim. Sebagai sumber pendanaan utama, efektivitas pengelolaan DPK memiliki peran penting dalam menjaga kemampuan bank untuk menyalurkan kredit, mempertahankan likuiditas, serta meningkatkan kinerja keuangan secara keseluruhan. Metode penelitian yang diterapkan adalah deskriptif kualitatif dengan menggunakan pendekatan studi kasus pada Bank Jatim. Data dikumpulkan melalui kegiatan observasi langsung di lapangan. program magang di Divisi Akuntansi dan Manajemen Keuangan, serta melalui analisis laporan keuangan Bank Jatim periode 2024–2025.Hasil penelitian menunjukkan bahwa pertumbuhan DPK sebesar 15% pada tahun 2024 memberikan dampak positif terhadap peningkatan aset produktif, Net Interest Margin (NIM), dan Return on Assets (ROA). Strategi utama yang diterapkan Bank Jatim mencakup peningkatan proporsi dana murah (CASA), digitalisasi layanan melalui aplikasi JConnect, kolaborasi dengan pemerintah daerah, serta penyediaan layanan eksklusif bagi nasabah prioritas. Strategi tersebut tidak hanya berhasil mendorong peningkatan dana murah, tetapi juga memperkuat loyalitas nasabah dan daya saing Bank Jatim di tengah ketatnya persaingan industri perbankan.Kesimpulan penelitian ini menunjukkan bahwa pengelolaan DPK yang inovatif, efisien, dan berbasis digital berkontribusi signifikan terhadap peningkatan profitabilitas Bank Jatim sekaligus memperkuat perannya sebagai bank pembangunan daerah. Rekomendasi dari penelitian ini adalah perlunya peningkatan literasi keuangan masyarakat serta diversifikasi produk simpanan untuk memperluas basis nasabah   Kata kunci: Dana Pihak ketiga, Bank Jatim, keuntungan , Digital Banking, Financial Management

Septia Dewi, Erika; Nugroho, Budiono Joko; Siswanto, Agus B

Journal of Civil Engineering and Technology Sciences 2025 Faculty Of Engineering University 17 August 1945 Semarang

Air bersih merupakan kebutuhan pokok yang sangat penting bagi kehidupan manusia. Seiring dengan pertambahan dan perkembangan penduduk kebutuhan akan air bersih juga semakin meningkat, untuk itu perlu dilakukan analisis terhadap sistem jaringan perpipaan eksisting. Penelitian ini dilakukan dengan bantuan Pamsimas Sendang Lumintu Desa Sendangkulon Kecamatan Kangkung yang bertujuan untuk mengetahui kondisi eksisting sistem jaringan perpipaan Pamsimas Sendang Lumintu untuk tahun 2024 , mengetahui berapa besar kebutuhan air yang dibutuhkan untuk memenuhi pertumbuhan penduduk sampai dengan tahun 2039,  dan menganilisi kondisi eksisting sistem jaringan perpipaan Pamsimas Sendang Lumintu untuk tahun 2039. Metode yang digunakan dalam penelitian ini adalah dengan mengumpulkan data sekunder lalu menganalisis data tersebut dengan program EPANET 2.0 sehingga didapatkan hasil simulasi. Hasil simulasi menunjukan bahwa pada tahun 2024 besar debit kebutuhan rata-rata yaitu sebesar 16,27 liter/detik, kebutuhan harian maksimum 17,90 liter/detik dan kebutuhan jam puncak 24,40 liter/detik. Sedangkan untuk tahun 2039 besar debit kebutuhan rata-rata yaitu sebesar 20,92 liter/detik, kebutuhan harian maksimum 23,01 liter/detik dan kebutuhan jam puncak 31,38 liter/detik. Kondisi hidrolis eksisting sistem jaringan Pamsimas Sendang Lumintu Kecamatan Sendangkulon masih ada yang tidak sesuai kriteria. Kriteria yang dianalisa adalah sisa tekan dan kecepatan air. Pada jam puncak terdapat beberapa titik yang menghasilkan sisa tekan kurang dan kecepatan dibawah kriteria

Tangel, Imelda; Boiliu, Esti Regina; Triposa, Reni

Tri Tunggal: Jurnal Pendidikan Kristen dan Katolik 2025 Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

This study aims to analyze the collaborative model between parents and childcare workers in the faith development of pre-adolescent children at GKII Imanuel Amborawang Darat. A descriptive qualitative approach was used, utilizing Bandura's social learning theory, Bronfenbrenner's human development ecology, and the concept of faith education according to Pazmino and Turansky & Miller as theoretical foundations. The results of the study indicate that effective collaboration between parents and childcare workers creates synergy in fostering children's faith through spiritual communication, living examples, and ongoing spiritual guidance. An integrated faith environment between home and church plays a crucial role in helping pre-adolescent children internalize Christian values. In facing the challenges of digital culture, this collaboration is key to strengthening the foundation of children's faith. This study emphasizes the importance of a strategic and sustainable partnership between families and churches in the process of forming children's faith, so that they can better face the various challenges of this digital era.