Publication Search

In this research, data was taken from the distribution route which was recorded by the cashier at the Cahaya Kristal Tube Ice Ice Factory which is located on Jl, Damai, Prujakan Tambakan Village, Sinduharjo, Ngaglik, Sleman Yogyakarta. Then the data is processed using the Clarke and Wright Savings Algorithm and Sequential Insertion with the aim of providing the best or most effective route suggestions and then comparing the two methods to produce the Travel Route Distance and Distribution Costs. By using the Clarke and Wright Saving Algorithm, we get 2 vehicle routes which produce a combined route of 72 km with a daily distribution cost of IDR 147,000, and for the sequential insertion algorithm method we also get 2 vehicle routes which produce a combined route of 107 km with a daily distribution cost of IDR 182,000. Thus it can be concluded that routes formed using the Clarke and Wright Savings Algorithm are more effective and economical compared to routes formed using the Sequential Insertion

Islamic boarding schools are institutions where students usually live in huts (dormitories) using classical and general books as teaching materials, as well as studying Islamic religious knowledge in detail and practicing them. This research uses a qualitative method where researchers get answers from sources who have been interviewed, located in one of the modern Islamic boarding schools in Bogor, namely the An-Nawawi Al-Bantani Modern Islamic Boarding School. This research aims to analyze the relationship between menu management and budget savings at the An Nawawi Al Bantani Islamic Boarding School and explain the factors that can influence menu management in an effort to save logistics budgets. An Nawawi Al Bantani Islamic boarding school implements a policy of cooperation with vendors or suppliers as well as checking market prices directly to ensure quality and prices are appropriate. Apart from that, the lodge also manages food waste well, reduces waste, and ensures that leftover food that is suitable for consumption is reused.      

Mitra Telur is an egg producer located in Pirakbulus, Sidumulyo, Godean District, Sleman Regency, Special Region of Yogyakarta. So far, Mitra Telur UMKM has not determined a travel route to distribute the eggs. The distribution carried out does not take into account the distance traveled to reach the shop points. This research uses two methods at once, namely saving matrix and nearest neighbor. Based on the calculation results, the initial route has a total distance of 114.9km with 4 delivery routes, while the final route has a total distance of 95.5km with 3 delivery routes. The initial route has a fixed cost of IDR 1,550,000 and a variable cost of IDR 402,150 with a total delivery cost of IDR 1,952,150, while the final route has a fixed cost of IDR 1,550,000 and a variable cost of IDR 334,250 with a total delivery cost of IDR 1,884,250. there was a reduction in distribution routes by 16.9% and a reduction in production costs by 3.5%.

Mitra Telur is an egg producer located in Pirakbulus, Sidumulyo, Godean District, Sleman Regency, Special Region of Yogyakarta. So far, Mitra Telur UMKM has not determined a travel route to distribute the eggs. The distribution carried out does not take into account the distance traveled to reach the shop points. This research uses two methods at once, namely saving matrix and nearest neighbor. Based on the calculation results, the initial route has a total distance of 114.9km with 4 delivery routes, while the final route has a total distance of 95.5km with 3 delivery routes. The initial route has a fixed cost of IDR 1,550,000 and a variable cost of IDR 402,150 with a total delivery cost of IDR 1,952,150, while the final route has a fixed cost of IDR 1,550,000 and a variable cost of IDR 334,250 with a total delivery cost of IDR 1,884,250. there was a reduction in distribution routes by 16.9% and a reduction in production costs by 3.5%.

The development of Indonesian sharia financial institutions, especially in the field of sharia banking, has increased every year, where Indonesia is in 5th place in the world. Islamic banks strive to provide convenience for their customers through digital technology-based services, but the market share of Islamic banks is lower than conventional banks. This may be caused by the low level of understanding of sharia finance, sharia financial inclusion. This research aims to analyze whether financial literacy and financial inclusion influence people's interest in saving at Islamic banks. The research results reveal that financial inclusion and financial literacy are recognized as being able to influence people's interest in saving at Islamic banks.

This study emphasizes the functions of the Indonesian Deposit Insurance Corporation (Lembaga Penjamin Simpanan, LPS) in savings and loan cooperatives (KSP), such as managing funds and managing risks. KSPs play an important role in the micro economy, especially in providing financial access to people who are not served by banks and other formal financial institutions.  This research employs a qualitative methodology and uses a literature review approach. A qualitative approach was chosen as it allows for a more in-depth understanding of the complex issues of risk management, fund management, and deposit insurance functions in savings and loan cooperatives in Indonesia. To ensure the viability and health of this sector that aims to make a significant contribution to financial inclusion and inclusive economic growth, the government, financial institutions, and cooperatives must work together. To advance the savings and loan cooperative sector in Indonesia, strategic measures should be taken, such as improving risk management and supporting IDICs. Ultimately, this will support the stability of the national financial system and the economic well-being of people in Indonesia.

The aim of this research is to find out how e-Government based public services are and to find out various factors inhibiting services in the e-Pusluh application in the Extension Sector of Palu City. The location of this research includes the Palu City Food Security Service. The types of data used are primary data and secondary data. The technique for collecting data and information is in-depth interview observation using interview guides and documentation. Determining informants was carried out using purposive sampling. The number of informants in this research was 05 (five) people. The data collected is filtered and selected based on needs which are then analyzed using qualitative descriptive methods.The theory used fromHarvard JFK School of Government, to implement the concept of digital-based public services, there are three elements of success that must be owned and taken seriously, namely Support, Capacity, and Value. Based on the research results, it was found that the implementation of E-Government based public services in the e-pusluh application in the Extension Sector of Palu City. Support or support from government leaders in the form of presidential regulations regarding the implementation of electronic-based government systems, regulations regarding the implementation of E-Government in general in Sulawesi Province Center and socialization of e-pusluh. Capacity or empowerment from the availability of information technology infrastructure resources such as computers, printing and WiFi is sufficient as well as the availability of competent human resources in carrying out e-government based services. The value element is the benefit felt by the Palu City Food Security Service instructors, namely providing convenience for both officers and instructors in reporting agricultural extension activities. The benefits felt by instructors include saving time without having to queue, online services can also save costs and transportation. The inhibiting factor for services in the e-Pusluh application is the lack of socialization from the Palu city government which is felt by the instructors, making many instructors still not understand how to use the e-Pusluh application. This is an obstacle in the process of implementing the e-pusluh application. Apart from that, the obstacles faced are the lack of familiarity of instructors, especially the elderly, with existing technologies and frequent maintenance on the e-pusluh application.  

Online arisan is a phenomenon where people organize and participate in arisan (rotating savings and credit associations) through online platforms. In online arisan, consumerism can have diverse impacts depending on the values and behaviors adopted by the participants. Factors that can influence consumerism in online arisan include the choice of prizes, the use of technology and social media, as well as the convenience and flexibility offered by online arisan. Although there is potential for more dominant consumerism, there are still arisan groups that maintain their traditional values.

In financial and economic management activities, the term banking is often known, both conventional banking and Islamic banking. Islamic banking is a financial institution that plays an important role in managing people's funds. Islamic financial institutions generally have a variety of products offered to the public. In banking activities, there are two main functions of the bank, namely as a savings and loan institution. The purpose of this article is to discuss and analyze related to one of the Islamic bank products, namely loan products that apply the Qardh contract to Islamic financial institutions. The results of the study indicate that the implementation of the Qardh contract in Indonesia is adjusted to the pillars, qardh requirements, and shigat qardh. Qardh contract can be interpreted as a loan that must be returned in the same amount with a certain pre-agreed period. In other words, Qardh is a loan without profit. If it is technically reviewed, then this loan will be given to someone or a sharia financial institution to another person who is used for emergency or urgent needs. The implementation of sharia accounting with Qardh contracts in Indonesia is guided by Law Number 21 of 2008 concerning Sharia Banking in Article 35 paragraph (1) which states that in practice sharia banking is required to implement the 5C principles, namely character, capacity, capital, condition of economy, and collateral.

This research aims to produce compatibility between the policies of Abon Surya with the Economic Order Quantity raw material control method, namely the purchase quantity of the Abon Surya policy has an average purchase of 770 kg, for the frequency of purchasing raw materials for jack beans 5 times, for security and point supplies. There is no reordering policy with a total inventory cost of IDR 251,640. Meanwhile, the EOQ method has an average purchase of 1,313 kg. the purchase frequency is only 3 purchases, the security inventory is 90 Kg and the number of reorders is 204 Kg with a total cost of inventory required of IDR 173,254. The cost difference between Abon Surya and the EOQ method is IDR 78,386,417. This shows that there is a saving or reduction in the total cost of inventory needed if Abon Surya can implement the EOQ raw material control method. Apart from that, the packaging used at UMKM Surya Abon for shredded products still uses transparent plastic with stickers, which is less attractive to buyers. Therefore, a new design is needed to attract more buyers.

This research aims to produce compatibility between the policies of Abon Surya with the Economic Order Quantity raw material control method, namely the purchase quantity of the Abon Surya policy has an average purchase of 770 kg, for the frequency of purchasing raw materials for jack beans 5 times, for security and point supplies. There is no reordering policy with a total inventory cost of IDR 251,640. Meanwhile, the EOQ method has an average purchase of 1,313 kg. the purchase frequency is only 3 purchases, the security inventory is 90 Kg and the number of reorders is 204 Kg with a total cost of inventory required of IDR 173,254. The cost difference between Abon Surya and the EOQ method is IDR 78,386,417. This shows that there is a saving or reduction in the total cost of inventory needed if Abon Surya can implement the EOQ raw material control method. Apart from that, the packaging used at UMKM Surya Abon for shredded products still uses transparent plastic with stickers, which is less attractive to buyers. Therefore, a new design is needed to attract more buyers.

This research aims to find out whether trust, service and return of results influence MSMEs' interest in becoming Sharia Bank customers. This research uses a quantitative approach by obtaining primary data from questionnaires by taking samples using a random sampling technique with the selection of the entire population in this study being sampled using the census method or saturated sample. Data collection techniques were carried out using observation, interviews, questionnaires and documentation. The data processing technique used is multiple regression data analysis using SPSS 25, UI hypothesis testing, validity testing, and classical assumption testing. This research shows that trust, service and returns have a significant effect on MSMEs' interest in saving at Sharia Banks.

The high purchasing power of society and within lengthy periods will cause the state falls into inflation. Inflation has its influence on domestic savings. Hence, the government tries to limit the amount of money which circulates and reduces inflation risk by offering higher interest rates for the people who deposit their money in national banks. The socialization program of early saving is carried out with the purpose of creating national program in creating a generation who isable to manage their finances well. Other than that, the program hopefully has the ability to leverage the interest in saving for children. The children may develop the habit into an insurance for their later life, and autonomously learn to save and to be responsible in managing the money,hence the goals of the program.Teaching the children to save early may also develop positive personality; to save means teaching the children how to be patient, and saving is useful for future savings.

Air pollution and greenhouse gas emissions produced by motorized vehicles are one of the main problems in big cities. This encourages the development of more energy efficient and environmentally friendly vehicles, such as electric vehicles. This journal discusses the development of energy-efficient electric vehicles for urban transportation, with a focus on battery technology, vehicle design, and charging infrastructure. This research aims to develop energy-efficient electric vehicles that can meet city transportation needs. This research focuses on several aspects, namely: Lightweight and aerodynamic vehicle design: This design can reduce energy consumption and increase vehicle efficiency. Efficient propulsion system: An efficient propulsion system can increase mileage and reduce exhaust emissions. Advanced battery technology: Advanced battery technology can increase energy density and battery life. It is hoped that the results of this research will produce energy-efficient electric vehicles that are environmentally friendly and can help reduce air pollution in big cities.

This study explores the application of green hydrogen technology for industrial decarbonization, focusing on its techno-economic and environmental feasibility. A quantitative approach was used, incorporating system modeling of a solar-based hydrogen production system combined with electrolyzers. The techno-economic assessment involved calculating the Levelized Cost of Hydrogen (LCOH), estimating capital and operational expenditures (CAPEX and OPEX), and evaluating the system's energy efficiency and hydrogen output. The environmental impact was analyzed using Life Cycle Assessment (LCA), comparing the carbon footprint of green hydrogen with fossil-based hydrogen. The results reveal that green hydrogen can reduce carbon emissions by up to 60% compared to fossil hydrogen, primarily due to the use of renewable energy for production. Additionally, the study found significant improvements in energy efficiency as electrolyzer performance and solar capacity increased. The LCOH is expected to decrease steadily as solar panel and electrolyzer prices continue to fall, enhancing the competitiveness of green hydrogen in the energy market. The findings also highlight the potential for heavy industries, such as cement and steel production, to transition from fossil fuels to green hydrogen, contributing to a cleaner industrial energy mix. This transition presents both environmental and economic benefits, with long-term savings from reduced fossil fuel dependency and lower production costs.

The problems faced in this study include (1) How is advertising at BNI Tasikmalaya Branch? (2) What is the customer's decision to save at BNI Tasikmalaya Branch? (3) How does advertising affect the customer's decision to save at BNI Tasikmalaya Branch? This research aims to study, know, and analyze (1) Advertising at BNI Tasikmalaya Branch. (2) The customer's decision to save at BNI Tasikmalaya Branch. (3) The influence of advertising on the customer's decision to save at BNI Tasikmalaya Branch. The method used in this study is explanatory survey, while the technical data analysis is validity test, reliability test, descriptive statistics, Inferential Statistical Analysis with Simple Regression. The results of the study inform that (1) Advertising at BNI Tasikmalaya Branch is high. With the highest score on the sales response indicator and the lowest score on the persuasive influence indicator (pre/post preference testing).  This means that advertising is heavily influenced by sales response indicators. (2) The customer's decision to save at Bank BNI Tasikmalaya Branch is very high. With the highest score on the customer compatibility indicator and the lowest score on the dramaturgy indicator. This means that the customer's decision to save at Bank BNI Tasikmalaya Branch is greatly influenced by customer compatibility indicators. (3) Advertising has a positive effect on the customer's decision to save at Bank BNI Tasikmalaya Branch. This means that if advertising is improved, then the customer's decision to save at Bank BNI Tasikmalaya Branch will also increase.

Splazz drinking water depot is a refill drinking water depot and drinking water supplier in the Yogyakarta area which has a distribution/delivery route for drinking water to consumers in several different locations. The distribution carried out does not take into account optimal routes so that the costs incurred in distribution are not optimal. By Therefore, research was carried out at the Splazz drinking water depot to optimize routes and costs for distributing drinking water to consumers using the saving matrix method and the branch and bound method. The initial route for the distribution/delivery of drinking water carried out at depots based on days from the data collected shows a total distance of 66.6 Km to 35 delivery points. Processing the data using two different methods resulted in a route saving of 16 - 18% of the delivery distance with a total distance savings of 54.9 Km for the saving matrix method and 55.8 Km for the branch and bound method, the distribution vehicle used uses a modified motorbike with a carrying capacity of 5 gallons. Then calculate the amount of cost savings after saving the distance on the distribution/delivery routes, resulting in fuel cost savings of 16 – 17%.

Splazz drinking water depot is a refill drinking water depot and drinking water supplier in the Yogyakarta area which has a distribution/delivery route for drinking water to consumers in several different locations. The distribution carried out does not take into account optimal routes so that the costs incurred in distribution are not optimal. By Therefore, research was carried out at the Splazz drinking water depot to optimize routes and costs for distributing drinking water to consumers using the saving matrix method and the branch and bound method. The initial route for the distribution/delivery of drinking water carried out at depots based on days from the data collected shows a total distance of 66.6 Km to 35 delivery points. Processing the data using two different methods resulted in a route saving of 16 - 18% of the delivery distance with a total distance savings of 54.9 Km for the saving matrix method and 55.8 Km for the branch and bound method, the distribution vehicle used uses a modified motorbike with a carrying capacity of 5 gallons. Then calculate the amount of cost savings after saving the distance on the distribution/delivery routes, resulting in fuel cost savings of 16 – 17%.

The main problem in this research is what factors influence customer decisions in choosing BRI Bank Britama Savings Products in Fatukoa Village. The aim of this research is to see and explain what influences the decisions of Fatukoa Village customers in saving with Britama Savings Products. This type of research uses descriptive qualitative research. The data sources in this research are primary data and secondary data. Where data collection uses interview, observation, and documentation techniques. determining informants using Purposive Sampling, totaling 6 people. The time and place of the research was carried out in the 2023-2024 academic year, on a number of customers who live in Fatukoa Village, Kupang City. The results of this research explain that the factors that influence customers' decisions in choosing Britama Bank BRI savings products are influenced by cultural factors because cultural influences play a key role in customer decisions. The socialization process from the experience of being a customer for eight years, the use of banking products since the beginning of college, and the management of business transactions are the main factors in choosing Britama Savings. Social Factors due to the existence of reference groups, both from friends and family, have a big impact. Suggestions from friends about the benefits of interest rates and easy access to BRI Bank's online services, as well as recommendations from wives who are BRI Bank customers, are taken into consideration in the decision to save on Britama Products. Personal Factors due to Age, life cycle stage, work and economic environment are factors personal influences on product choices. The decision to save in BRI Bank Britama Products is based on long-term goals, investment, financial discipline, and economic considerations as well as income that can be invested, and Psychological Factors because the motivation for opening a Britama Savings account is related to biogenic and psychogenic needs, such as increasing pension funds, long-term investment, increasing financial discipline, and building savings habits. Trust and positive attitudes towards Britama products, supported by the reputation and security of BRI Bank, also play a key role in decision making. Apart from that, information from reference groups, socialization experiences, economic considerations, and trust in banking institutions are key factors that shape customer decision behavior.

Employee productivity is one of the determining factors for the company's success in achieving its goals. Proper leadership implementation can increase employee productivity, especially in the banking sector. A leader in the banking sector must be able to unite perceptions (perspectives) in every element of the company, both employees and leaders of institutions in an effort to achieve the goals of financial institutions. This can be seen from the leadership style applied to one of the banking institutions in Indonesia, namely PT. State Savings Bank Jombang Sharia Sub-Branch Office. This research was conducted with the aim of knowing how to implement the leadership model at PT. BANK BTN KCP Syariah Jombang in relation to increasing employee productivity. This study uses the literature review method. Based on the results of literature studies, it can be seen that the leadership model at PT. BANK BTN KCP Syariah Jombang implemented is a democratic, charismatic, and transformational leadership model. Leadership plays an important role in employee productivity. This is because the application of a good leadership model will affect the morale, loyalty, work ethic, and company culture. If employees have a high.