The Impact Of The Family Hope Program On Improving Human Resource Quality In The 10 Provinces With The Highest Human Development Index In Indonesia

The Family Hope Program (PKH) as a stimulus to alleviate poverty has introduced challenges that hinder the Indonesian government’s efforts to enhance the nation’s human resource (HR) development. Despite having the highest number of PKH beneficiary families, some provinces fail to rank among those with the highest Human Development Index (HDI). This study aims to analyze the partial and simultaneous effects of PKH expenditures on education, health, and social welfare on improving the quality of human resources in the 10 provinces with the highest HDI. This study employed a quantitative approach. The study utilized secondary data from the official websites of the Central Statistics Agency (BPS), the Directorate General of Fiscal Balance (DJPK) of the Ministry of Finance, and the Ministry of Social Affairs (Kemensos). Data analysis is conducted using panel data regression analysis involving the 10 provinces with the highest HDI from 2018 to 2022, assisted by Eviews 10 software. The findings revealed that simultaneously, PKH expenditures on education, health, and social welfare have a positive and significant effect on HDI in Indonesia. Partially, PKH expenditure on education and health has a positive and significant effect on HDI, while the expenditure on social welfare has no significant effect on HDI. The government should implement a PKH policy to promote human development.Keywords: Family Hope Program, Human Development Index, Education, Health, Social Welfar

The Effect of Banking Financial Ratio Toward Rural Banks Profitability (Empirical Study at PT. BPR BKK (Perseroda) All Over Central Java)

The purpose of this study was to examine the effect of the variables NPL, CAR, LDR and BOPO on profitability as measured by ROA at BPR BKK (Persero) in Central Java. This study was conducted using the total sampling method at 33 BPR BKK in Central Java. The data analysis technique uses descriptive statistics to interpret the data, hypothesis testing uses multiple regression methods which include classical assumption test, coefficient of determination test, F test, and t test to prove the hypothesis. The results of hypothesis testing using t-test are known to be the t-count value of the NPL variable 0.019 with a significance of 0.985, the t-count value of the CAR variable 1.472 with a significance of 0.144, the t-count value of the LDR variable 0.592 with a significance of 0.555, and the t-count value of the BOPO variable -31,375 with a significance of 0.000. Based on the analysis, it was concluded that from the four variables studied, only the BOPO variable significantly affected the ROA ability of BPR BKK in Central Java with a positive direction, the other three variables, namely NPL, CAR, and LDR were not proven to have a significant influence on the ROA of BPR BKK in Central Java during the 2018-2021 period.The results of this study have implications for BPR BKK in Central Java that in economic uncertainty, one of the most important things is to make cost efficiencies so that BPR can maintain profits.Keywords: NPL, CAR, LDR, BOPO, Profitabilit

Analysis of the Influence of Local Original Income (PAD) and Regional Competitiveness on Regional Financial Independence in Banten Province, Indonesia

This research aims to evaluate how Local Original Income (PAD) and regional competitiveness influence regional financial independence in Banten Province, Indonesia. Regional financial independence is an important indicator in assessing the ability of regional governments to fund development programs and projects without relying on external resources. The research results also specifically show that the level of PAD contribution has a significant positive influence on regional financial independence, indicating that increasing Regional Original Income can increase regional financial independence. Apart from that, Regional Competitiveness also has a positive and significant impact on regional financial independence, indicating that increasing efficiency in managing regional Competitiveness can increase regional financial independence. Overall, this research shows that both PAD contribution and Regional Competitiveness have a significant influence on regional financial independence. Therefore, this research makes an important contribution to understanding the factors that influence regional financial independence in districts/cities in Banten Province. The results of this research can be a basis for improving policies and making better decisions to increase regional financial independence, which in turn will support sustainable development in this region.Keywords: Local l Original Income (PAD),  Regional Competitiveness , Regional Financial Independenc

Forecasting of Inflation Rates Based on Macroeconomics Factors Using Adaptive Neuro-Fuzzy Inference System (ANFIS) Methods

Inflation stability becomes very important because it relates to the economic growth that will have an impact on improving the welfare of society. Therefore, controlling inflation will prevent a high and an unstable inflation that gives negative impact on the economic conditions. This study aims to develop appropriate models for inflation forecasting. The approaches used is ANFIS. Based on the results obtained, using the data of general inflation and inflationary spending seven groups period 2010-2022, showed that the ANFIS model that has been obtained shows that by using two membership functions, to model general inflation, it is generated by the transfer function model with the input money supply, one month before Eid Al-Fitr, the month when there is Eid al-Fitr, and the increase in fuel prices as influential variables.Keywords: ANFIS; inflation; forecasting; macroeconomic

The Influence Of Transformational Leadership On Extra-Role Performance Mediated By Intrinsic Motivation And Moderated By Employee Mindfulness

This study aims to examine the effect of transformational leadership on extra-role performance which is indirectly influenced by employee intrinsic motivation and strengthened by mindfulness. The characteristics of transformational leaders are motivating and inspiring will lead employees can build intrinsic motivation to support extra-role performance. Mindfulness is a popular topic that is proven to have a positive effect on individuals and organizations. By being attentive, aware, and present on occurs, mindfulness provides employees intrinsic motivation that lies within the person to support the relationship of transformational leadership on extra-role performance. This paper's approach uses an online survey to collect data on employees working in the different sectors in Indonesia and the methodology uses simple and multiple linear regression analysis processing with SPSS application. The result and analysis will be discussed in this paper.Keywords: Transformational Leadership, Extra-Role Performance, Intrinsic Motivation, Mindfulnes

The Influence of Financial Literacy and Lifestyle on Financial Management Behavior Mediated by Financial Technology

Financial management behavior is an important aspect in daily life, especially for generation Z. Good and appropriate financial management can be an opportunity to achieve a prosperous life in the future. Financial literacy can be a provision for every individual to manage their finances. Someone who has good financial literacy can understand how to manage their finances wisely. This research aims to find empirical evidence regarding the relationship between financial literacy and lifestyle on financial management behavior by adding financial technology as a mediating variable. The research method used is a quantitative approach. The subjects of this research are Generation Z. Sampling used the convenience sampling method. Data collection used a questionnaire with a 5 level measurement scale. It is hoped that the findings resulting from this research will be useful for Generation Z and become a reference in personal financial management.Keywords: Financial Literacy;Lifestyle, Financial Technology;Financial management Behavio

Internalization of Local Wisdom Values in Entrepreneurship Education in Higher Education

The purpose of this study is to describe; 1) The values of local wisdom in entrepreneurship education, 2) The role of lecturers in applying local wisdom values in learning, 3) Supporting factors for internalization of local wisdom in learning, 4) Inhibiting factors in internalizing local wisdom in learning. The research approach used is descriptive qualitative research. Data was collected through: observation, interviews and document tracing, the subjects in this study were lecturers who taught entrepreneurship courses. Data analysis techniques using data reduction, data presentation, conclusion and verification. The results showed:1) The values of local wisdom in entrepreneurship education include 5K (diversity, distinctiveness, uniqueness, independence and welfare), 2) The role of lecturers as facilitators and motivators implementing 5K wisdom in entrepreneurial projects, 3) supporting factors for the internalization of local wisdom are indicators of 5K local wisdom, and the support of infrastructure facilities in universities, 4) inhibiting factors for the internalization of local wisdom in education Entrepreneurship is the entrepreneurial interest of students who are still low in completing entrepreneurial projects.Keywords: college, entrepreneurship, and local wisdo

The Effect Of Gender Diversity And Profitability On Financial Distress

The purpose of this study is to determine the effect of gender diversity and profitability on financial distress in the consumergoods industry sector listed on the Indonesian Stock Exchange (IDX) over the period 2018-2021 using the Altman Z-Score model. The samples used in this study consisted of 60 research samples. The data analysis method used is logistic regression analysis.The results of this study simultaneously show that gender diversity and profitability variables have a significant impact onfinancial distress. In some cases, gender diversity has no impact on financial distress, but profitability has a significant impact onfinancial distress. Keywords: Gender Diversity; Profitability; Financial Distress

ANALISIS RASIO KEUANGAN UNTUK MENGUKUR DAN MENGETAHUI KINERJA KEUANGAN PADA SENTRA FOOD INDONESIA

Analisis laporan keuangan merupakan suatu proses yang digunakan untuk mengkaji, mengukur, dan memahami hal-hal yang tertulis dalam laporan keuangan suatu perusahaan. Dari analisis ini, dapat diketahui kondisi dan keuangan perusahaan. Salah satu cara yang dapat digunakan untuk memeriksa kesehatan perusahaan adalah dengan memeriksa laporan keuangan. Hal ini dikarenakan kita menggunakan laporan keuangan untuk mengetahui kinerja perusahaan. Laporan keuangan merupakan salah satu informasi terpenting dalam menilai perkembangan suatu perusahaan dan dapat digunakan sebagai dasar pengambilan keputusan untuk menilai kondisi keuangan masa lalu, sekarang, dan kemungkinan. Analisis rasio keuangan ini membantu menentukan apakah perusahaan memiliki kinerja keuangan yang baik. Analisis rasio dapat dikategorikan ke dalam berbagai jenis, seperti rasio likuiditas, solvabilitas, aktivitas, dan profitabilitas. Informasi mengenai laporan keuangan yang dievaluasi sangat diperlukan bagi pihak-pihak yang berkepentingan dengan posisi keuangan dan kinerja perusahaan. Berdasarkan uraian di atas, maka terlihat bahwa penggunaan analisis rasio keuangan dapat menggambarkan kinerja keuangan yang telah dicapai pada perusahaan terutama berkaitan dengan pengambilan keputusan memenuhi semua kegiatan operasional perusahaan. Dengan manajemen keuangan usaha untuk mengalokasikan dana tersebut dapat dilakukan secara efisien

Factors Influencing the Intention to Adopt E-Commerce Among Craft MSMEs in the Banjarnegara Regency

This research is based on the issue of the low level of E-Commerce usage in the Micro, Small, and Medium Enterprises (MSMEs) Craft sector in Banjarnegara Regency. To understand the causes of this issue, the researcher aims to explore the factors influencing the interest of MSME Craft practitioners in Banjarnegara to adopt E-Commerce technology. This research is grounded in the modified Unified Theory of Acceptance and Use of Technology (UTAUT), focusing on Behavior Intention as the dependent variable and three main independent variables: Performance Expectancy, Effort Expectancy, and Social Influence. The research design utilizes a survey method with a convenience sampling technique. The sample consists of 60 participants involved in the Craft Industry in Banjarnegara Regency. Hypothesis testing is conducted through regression analysis using SPSS 26 software. The research findings indicate that the Social Influence variable is the only one that significantly influences the intention to adopt E-Commerce among artisans in the Small and Medium-sized Enterprises (SMEs) sector of craftsmanship in Banjarnegara Regency