9 research outputs found
Analisis Penyaluran Kredit Kepada Masyarakat Dalam Meningkatkan Perolehan Pendapatan (Studi Pada PT.Bank Perkreditan Rakyat Duta Adiarta Medan)
Penelitian ini bertujuan untuk mengetahui kemampuan perusahaan dalam menghasilkan pendapatan apabila di analisis dengan menggunakan penyaluran dana kredit. Dimana sudah berjalan dengan baik atau tidak, dan untuk mengetahui apakah tingkat penyaluran dana kredit yang diperoleh perusahaan pada setiap tahunnya. Dalam penelitian ini dengan analisis data menggunakan metode deskriptif, dan sumber data yang digunakan adalah data sekunder. Teknik pengumpulan data yang digunakan adalah dokumentasi dan wawancara. Berdasarkan hasil penelitian diketahui bahwa dari penyaluran dana kredit pada PT. Bank Perkreditan Rakyat Duta Adiarta Medan dalam periode 6 tahun tersebut untuk setiap tahun ada mengalami penurunan namun pendapatan operasional perusahaan meningkat. Jadi dapat dikatakan bahwa penyaluran kredit menurun maka pendapatan juga menurun yang dihasilkan perusahaan. Semakin tinggi penyaluran kredit maka semakin baik hasilnya bagi perusahaan dalam menghasilkan pendapatan sehingga meningkatkan laba bersih. Maka dapat dikatakan penyaluran dana kredit pada tahun 2015 dikatakan rendah dan sebaiknya perusahaan lebih mengoptimalkan sumber daya yang dimiliki seperti asset dan modal perusahaan dalam praktiknya yaitu kegiatan operasional perusahaan dalam pemberian kredit dapat menghasilkan pendapatan yang besar bagi perusahaan
STRATEGI PENGEMBANGAN USAHA DALI NI HORBO PADA PELAKU USAHA DI KABUPATEN TAPANULI UTARA
Regional or culinary specialties are one of the attractions for visitors or tourists who will visit. Dali ni horbo is one of the regional specialties in the North Tapanuli Regency. Dali ni horbo is made from buffalo milk. Dali ni horbo is cooked in the traditional way and uses pineapple juice as a thickening agent. In other areas in North Sumatra, there are also those who use papaya leaf extract and alo-alo as a thickening agent. Dali ni Horbo is sold in the market by traders only packaged using plastic. Simple processing methods and simple packaging methods are obstacles for Dali ni Horbo traders which causes the shelf life of Dali ni Horbo to be short, and the supply of raw materials (buffalo milk) to make Dali ni Horbo is still relatively difficult to obtain. Thus, several product innovations and the development of marketing strategies are needed so that more and more people know about Horbo Dali Ni so that the demand for Horbo Dali Ni will increase.
Keywords: Dali Ni Horbo (Buffalo Milk), Culinary, Business Model, Marketing
 
ANTIOXIDANT ASSAY OF PHASEOLUS VULGARIS L BEANS ETHANOLIC EXTRACT IN VITRO AND IN VIVO
Objectives: Antioxidant is a substance such as Vitamin C that able to remove potentially damaging oxidizing agents. Malondialdehyde (MDA) is an important marker of oxidative stress that have correlation with Type 2 diabetes mellitus (DM) progression. Phaseolus vulgaris L (PV) (beans) is one of the alternative medicines to treat DM in Indonesia. We investigated the antioxidant activity of ethanolic extract on PV (EEPV) beans using in vitro and in vivo model.Methods: Antioxidant assay in vitro was conducted using 1,1-diphenyl-2-picrylhydrazyl (DPPH) method. Alloxan (120 mg/kg, intraperitoneally)- induced diabetic rats were divided into 5 groups (n=5), i.e., NC: Normal control, P1: Diabetic-control, P2, P3, and P4 (200 mg/kg, 400 mg/kg, and 600 mg/kg of EEPV, orally) for 28 days. MDA serum level was evaluated using spectrophotometer. The data were analyzed by one-way ANOVA test.Results: The antioxidant assay in vitro showed that EEPV has very weak (IC50=641.87 μg/ml, whereas Vitamin C as standard showed very strong activity (IC50=2.95 μg/ml). MDA level were 2.80±0.09 nmol/ml (NC), 3.30±0.42 nmol/ml (P1), 3.27±4.23 nmol/ml (P2), 2.93±0.05 nmol/ml (P3), and 3.17±0.25 nmol/ml (P4). There was no significant differences among normal control, diabetic-control, and EEPV-treated groups (p>0.05).Conclusion: EEPV showed a very weak antioxidant activity in vitro
PELATIHAN PENGOLAHAN PEMPEK BERBAHAN JAMUR TIRAM PUTIH SEBAGAI PENGGANTI IKAN
Pempek merupakan makanan khas Kota Palembang sehingga Kota Palembang dijuluki sebagai kota pempek yang sudah sangat terkenal di wilayah Indonesia bahkan di mancanegara. Pempek yang dikonsumsi bahan utamanya salah satunya adalah ikan. Ikan biasanya pada saat-saat tertentu harganya berfluktuasi dan ketersediaannyapun terbatas, maka salah satu alternatifnya adalah dengan menggunakan jamur tiram putih sebagai pengganti ikan. Rumusan masalah dalam pengabdian ini adalah masyarakat belum menggunakan jamur tiram putih sebagai bahan pembuatan pempek. Pengabdian ini bertujuan agar masyarakat memanfaatkan bahan jamur tiram putih sebagai alternatif jika harga ikan berfluktuasi dan ketersediaannya terbatas. Metode yang digunakan dalam pengabdian ini adalah dalam bentuk penyuluhan dengan diberi beberapa materi terkait pelatihan pembuatan pempek berbahan jamur tiram putih. Hasil dari pengabdian ini adalah masyarakat berpartisipasi aktif dalam pelatihan pembuatan pempek dan masyarakat menjadi lebih paham tentang pengolahan pangan, nilai gizi, dan jamur tiram putih sebagai bahan alternatif pembuatan pempek
Review Kandungan Metil Ester dalam Biodiesel Generasi ke-3 Mikroalga dan Penggunaan Katalis
Biodiesel generasi ke-3 dari mikroalga berpotensi sebagai sumber energi terbarukan yang ramah lingkungan. Penelitian ini memfokuskan kandungan metil ester dalam biodiesel, hal ini sangat menentukan kualitas dan performa bahan bakar. Metil ester dihasilkan melalui reaksi trigliserida mikroalga dengan metanol, membentuk biodiesel yang memiliki karakteristik khusus. Karakteristik ini melibatkan penggunaan mikroalga sebagai bahan baku, menawarkan produktivitas tinggi, dan kemampuan tumbuh dalam berbagai kondisi lingkungan. Penelitian juga mengeksplorasi peran katalis dalam produksi biodiesel, meningkatkan efisiensi reaksi dan kualitas produk akhir. Dalam studi kepustakaan ini, empat jurnal utama menjadi dasar penelitian, menyajikan informasi mendalam tentang produksi biodiesel, karakteristik metil ester, keunggulan mikroalga, dan pengaruh katalis. Dengan pendekatan sintesis literatur, penelitian ini memberikan pemahaman komprehensif tentang potensi biodiesel mikroalga sebagai energi alternatif. Kesimpulan studi ini menunjukkan bahwa mikroalga generasi ke-3 dapat menjadi sumber biodiesel yang handal, dengan variasi kandungan metil ester melalui penggunaan berbagai katalis. Penelitian ini memberikan wawasan berharga untuk pengembangan bahan bakar terbarukan dan memperkaya pemahaman tentang peran katalis dalam produksi biodiesel. Implikasinya mendukung pengembangan teknologi biodiesel yang efisien, ramah lingkungan, dan berkelanjutan, menghadapi tantangan global terkait energi dan lingkungan.Kata kunci: Mikroalga, Biodiesel Generasi ke-3, Metil Ester, Katalis
Factors affecting financial management behavior of Paylater users in Indonesia: Examining the moderating role of locus of control
Financial Management Behavior refers to the systematic activities involved in predicting, gathering, allocating, investing, and strategizing the cash flow required for a company’s or individual’s efficient functioning. This study aims to examine the role of locus of control in moderating the relationship between financial socialization, financial knowledge, financial experience, and financial management behavior among Paylater users in Medan, North Sumatra, Indonesia. The population of this research is the people of Medan, North Sumatra, Indonesia, who use Paylater. The sampling methodologies utilized were purposive sampling and snowball sampling. A total of 221 individuals participated in data collection for this study. The questionnaires were disseminated using social media chat functions or messaging applications (e.g., WhatsApp, Line, Telegram) in which the Google Forms link is shared. The study employs the data analysis technique of SEM-PLS with the assistance of PLS 4.00 software. The research results show that financial socialization, knowledge, and experience influence financial management behavior (p < 0.05). Furthermore, financial socialization, financial knowledge, and financial experience influence financial management behavior, moderated by locus of control (p < 0.05). The research implications are expected to improve the Financial Management behavior of the Paylater users by providing literacy about managing their finances.
AcknowledgmentThis study was funded by the Revenue and Expenditure Budget of the Universitas Muhammadiyah Sumatera Utara following the assignment agreement letter in the context of implementing the Basic Research Program of the Revenue and Expenditure Budget of the Universitas Muhammadiyah Sumatera Utara for the 2023 Fiscal Year, Number: 73/II.3- AU /UMSU-LP2M/C/2023
Assessing the impact of booster vaccination on diphtheria transmission: Mathematical modeling and risk zone mapping
The COVID-19 pandemic caused significant disruptions in the healthcare system, affecting vaccinations and the management of diphtheria cases. As a consequence of these disruptions, numerous countries have experienced a resurgence or an increase in diphtheria cases. West Java province in Indonesia is identified as one of the high-risk areas for diphtheria, experiencing an upward trend in cases from 2021 to 2023. To analyze the situation, we developed an SIR model, which integrated DPT and booster vaccinations to determine the basic reproduction number, an essential parameter for infectious diseases. Through spatial analysis of geo-referenced data, we identified hotspots and explained diffusion in diphtheria case clusters. The calculation of R0 resulted in an R0Â =Â 1.17, indicating the potential for a diphtheria outbreak in West Java. To control the increasing cases, one possible approach is to raise the booster vaccination coverage from the current 64.84% to 75.15%, as suggested by simulation results. Furthermore, the spatial analysis revealed that hot spot clusters were present in the western, central, and southern regions, posing a high risk not only in densely populated areas but also in rural regions. The diffusion pattern of diphtheria clusters displayed an expansion-contagious pattern. Understanding the rising trend of diphtheria cases and their geographic distribution can offer crucial insights for government and health authorities to manage the number of diphtheria cases and make informed decisions regarding the best prevention and intervention strategies
ANTIOXIDANT ASSAY OF PHASEOLUS VULGARIS L BEANS ETHANOLIC EXTRACT IN VITRO AND IN VIVO
Objectives: Antioxidant is a substance such as Vitamin C that able to remove potentially damaging oxidizing agents. Malondialdehyde (MDA) is an important marker of oxidative stress that have correlation with Type 2 diabetes mellitus (DM) progression. Phaseolus vulgaris L (PV) (beans) is one of the alternative medicines to treat DM in Indonesia. We investigated the antioxidant activity of ethanolic extract on PV (EEPV) beans using in vitro and in vivo model.Methods: Antioxidant assay in vitro was conducted using 1,1-diphenyl-2-picrylhydrazyl (DPPH) method. Alloxan (120 mg/kg, intraperitoneally)- induced diabetic rats were divided into 5 groups (n=5), i.e., NC: Normal control, P1: Diabetic-control, P2, P3, and P4 (200 mg/kg, 400 mg/kg, and 600 mg/kg of EEPV, orally) for 28 days. MDA serum level was evaluated using spectrophotometer. The data were analyzed by one-way ANOVA test.Results: The antioxidant assay in vitro showed that EEPV has very weak (IC50=641.87 μg/ml, whereas Vitamin C as standard showed very strong activity (IC50=2.95 μg/ml). MDA level were 2.80±0.09 nmol/ml (NC), 3.30±0.42 nmol/ml (P1), 3.27±4.23 nmol/ml (P2), 2.93±0.05 nmol/ml (P3), and 3.17±0.25 nmol/ml (P4). There was no significant differences among normal control, diabetic-control, and EEPV-treated groups (p>0.05).Conclusion: EEPV showed a very weak antioxidant activity in vitro