Selo Village in Boyolali Regency is a center for dairy cattle farming and is also developing as a tourist village. However, most local residents still sell raw milk to middlemen without applying marketing strategies or product innovation. This community service activity aimed to provide education on the importance of dairy product marketing and to introduce innovative ideas based on local potential. The methods used included preliminary observation, open interviews, focus group discussions, interactive counseling, and evaluation through questionnaires and reflection. The activity involved 15 participants, including dairy farmers, homestay operators, café owners, and local youth. The results showed increased participant understanding of marketing strategies, tourism market opportunities, and the potential for milk processing. Most participants expressed interest in further training and began formulating product ideas such as yogurt, ice cream, and pasteurized milk. This program not only improved marketing literacy but also built motivation and collective awareness to develop independent businesses based on the village’s potential. Thus, the activity served as an initial step in promoting sustainable rural economic development.

Selo Village in Boyolali Regency is a center for dairy cattle farming and is also developing as a tourist village. However, most local residents still sell raw milk to middlemen without applying marketing strategies or product innovation. This community service activity aimed to provide education on the importance of dairy product marketing and to introduce innovative ideas based on local potential. The methods used included preliminary observation, open interviews, focus group discussions, interactive counseling, and evaluation through questionnaires and reflection. The activity involved 15 participants, including dairy farmers, homestay operators, café owners, and local youth. The results showed increased participant understanding of marketing strategies, tourism market opportunities, and the potential for milk processing. Most participants expressed interest in further training and began formulating product ideas such as yogurt, ice cream, and pasteurized milk. This program not only improved marketing literacy but also built motivation and collective awareness to develop independent businesses based on the village’s potential. Thus, the activity served as an initial step in promoting sustainable rural economic development.

<h1>Penelitian ini bertujuan untuk menguji pengaruh kinerja keuangan BPR terhadap penyaluran kredit di kota Semarang. Data yang digunakan merupakan data sekunder yang diambil dari Laporan Publikasi Otoritas Jasa Keuangan. Data yang diperoleh sebanyak 69 laporan keuangan BPR di Kota Semarang dari tahun 2014-2016. Metode yang digunakan untuk menganalisis data adalah Analisis Regresi Linier Berganda. Penelitian ini menggunakan alat analisis SPSS Versi 16. Hasil penelitian menunjukkan bahwa DPK (Dana Pihak Ketiga), ROA (Return on Asset), NPL (Non-performing Loans), CAR (Capital Adequacy Ratio), dan LDR (Loan to Deposit Ratio) secara bersama-sama memiliki pengaruh signifikan terhadap penyaluran kredit di BPR Kota Semarang. Sementara secara parsial ROA (Return on asset), NPL (Non-performing Loans), CAR (Capital Adequacy Ratio) tidak memiliki pengaruh, sementra DPK (Dana Pihak Ketiga) dan LDR (Loan to Deposit Ratio) memiliki pengaruh yang signifikan terhadap penyaluran kredit sehingga Bank Perkreditan Rakyat harus menghimpun Dana Murah dari Masyarakat agar kredit yang disalurkan memiliki bunga Kredit yang Kompetitif dan menjaga likuiditasnya agar ratio LDR tetap berada di ratio yang ditetapkan Bank Indonesia.</h1>