SENTRI: Jurnal Riset Ilmiah

Pengaruh Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap Return on Assets (ROA) pada Bank BUMN yang Terdaftar di Bursa Efek Indonesia Periode 2017-2025

Siti Nurlaela, Sriyatun Sriyatun — Wed, 30 Sep 2026 00:00:00 +0000

This study examines the effects of the Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and the ratio of Operating Expenses to Operating Income (BOPO) on Return on Assets (ROA) of state-owned banks listed on the Indonesia Stock Exchange during 2017-2025. A quantitative explanatory design was employed using balanced panel data obtained from the annual financial reports of Bank Mandiri, Bank Negara Indonesia, Bank Rakyat Indonesia, and Bank Tabungan Negara. Purposive sampling produced 36 bank-year observations. The data were analyzed with EViews 13 through descriptive statistics, panel-model selection, classical assumption tests, fixed-effect regression, and hypothesis testing. The Chow and Hausman tests selected the Fixed Effect Model as the most appropriate specification. The results show that LDR has a positive but statistically insignificant effect on ROA (coefficient 0.015241; p-value 0.1872). CAR has a positive and significant effect on ROA (coefficient 0.075421; p-value 0.0195), whereas BOPO has a negative and significant effect on ROA (coefficient -0.098754; p-value 0.0000). Simultaneously, LDR, CAR, and BOPO significantly affect ROA, with an adjusted R-squared of 0.894322. These findings indicate that capital strength and operational efficiency are the principal internal determinants of profitability in Indonesian state-owned banks, while a high level of credit intermediation does not automatically generate higher returns unless it is accompanied by sound credit quality and effective margin management.

Pengaruh Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), dan Capital Adequacy Ratio (CAR) terhadap Return on Equity (ROE) pada Bank BUMN yang Terdaftar di Bursa Efek Indonesia Periode 2017-2025

Muh. Roni Saputra Junianto, Aris Sugiarto — Wed, 30 Sep 2026 00:00:00 +0000

This study examines the association of Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR) with Return on Equity (ROE) of state-owned banks listed on the Indonesia Stock Exchange during 2017-2025. The study uses 36 bank-year observations from Bank Mandiri, Bank Tabungan Negara, Bank Rakyat Indonesia, and Bank Negara Indonesia. The available EViews 13 output provides a pooled ordinary least squares baseline. Under this specification, NPL is negatively associated with ROE (coefficient -2.0695), LDR is positive but statistically insignificant (0.1883), and CAR is positively associated with ROE (1.0615). The model is jointly significant and explains 37.89% of ROE variation. However, very high VIF values for LDR and CAR and a Durbin-Watson statistic of 1.4689 indicate that conventional t-statistics require caution. Because residual normality, Chow and Hausman tests, alternative specifications, and HAC or PCSE covariance estimates are not documented, the baseline findings should be treated as preliminary rather than final causal evidence. The weak LDR result may reflect heterogeneous credit segments and policy-lending mandates whose volume growth does not automatically increase shareholder returns. Managerially, capital strength and credit quality must be combined with operating efficiency in an integrated CAMELS framework.

Niat Perilaku Penggunaan Pinjaman Online pada Mahasiswa UKSW Menggunakan Model UTAUT

Sherlina Agustina, Yani Rahardja — Wed, 30 Sep 2026 00:00:00 +0000

Advancements in fintech, particularly online lending services, have provided university students a group vulnerable to financial risks with broader access to financing. This study aims to analyze the behavioral intention of Satya Wacana Christian University students to use online loans, utilizing the UTAUT model. This study employed a quantitative approach involving 116 respondents selected through purposive sampling. SmartPLS 4 was used to analyze the PLS-SEM data. The analysis revealed that social influence, performance expectancy, and facilitating conditions positively influence behavioral intention, whereas effort expectancy has no effect. The R² value of 0.654 indicates that the model can explain 65.4% of the total variance in the construct of students' behavioral intention. The findings suggest that social factors and perceived benefits are more dominant than ease of use; consequently, peer-education-based financial literacy programs are recommended to protect students from the risks associated with online loans.

Implementation of Qur'anic Values in Kretek Kudus Dance: Synergy Between Religion and Culture to Improve the Achievement of Pantura Youth

Muhammad Wazid Husni, Venty Zuslia, Alfiyan Chasanul Muna, Fella Rezza Silviana — Wed, 30 Sep 2026 00:00:00 +0000

This research examines the importance of the implementation of Qur'anic values in Kretek Kudus Dance as an effort to synergize religion and culture to improve the achievements of Pantura youth due to the lack of implementation of Qur'anic values and culture in the learning process, as well as the low achievement of Pantura youth. The purpose of this study is to analyze how the values of the Qur'an and Kretek Dance play a role in improving the achievements of the youth of the Pantura region. The research method uses a qualitative approach with a phenomenological design, with data collection through in-depth interviews, participant observation, and documentation of dance trainers, religious leaders, and youth of the Pantura region. The phenomenological analysis follows established procedures of data reduction, thematic clustering, and interpretive synthesis. The results of the research findings show that there is a synergy between the values of the Qur'an and Kretek Kudus Dance, namely in the values of the Qur'an there is a value of enthusiasm, an order to study, elevated degrees for believers and knowledge so as to improve academic and non-academic achievements. In Kretek Dance, there are values of enthusiasm, thoroughness, gratitude, and skill that not only improve youth achievement, but also form noble characters. Furthermore, the internalization of these Qur'anic and cultural values is analyzed through the framework of Abdurrahman An-Nahlawi's Islamic education theory, employing exemplary behavior (al-uswah), socialization/habituation (al-'adah), and guidance/advice (al-ma'izhah) to develop the potential of Pantura youth. Thus, the implementation between the values of the Qur'an and Kretek Dance is effective as a medium for cultural da'wah and the development of potential achievements of Pantura youth.

Pemantauan Konsumsi Energi Listrik berbasis Internet of Things (IoT)

Saproni Saproni, Eva Hendrawati — Wed, 30 Sep 2026 00:00:00 +0000

Conventional household electricity monitoring often lacks granular, real-time insights into individual appliance consumption due to expensive or complex dedicated metering hardware. This study proposes a low-cost IoT-based electricity monitoring architecture specifically optimized for low-to-medium household capacity ranges (450 VA, 900 VA, and 1300 VA). Using an ESP32 DEVKIT V1, ACS712 current sensor, ZMPT101B voltage sensor, I2C LCD, and Telegram Bot, the proposed system provides continuous remote data transmission while effectively capturing transient current anomalies and fluctuating load characteristics under strict hardware budget limits. Experimental evaluations across five typical household appliances (dispenser, refrigerator, rice cooker, fan, and iron) demonstrate the system's operational viability and transient response. While steady-state loads like fans (−9.2% to +9.1% deviation) align closely with theoretical models, highly cyclic and inductive loads highlight the necessity of high-frequency sampling and extended monitoring periods. The system successfully delivers real-time local display and Telegram notification with an average transmission error below 5%, proving to be an accessible, low-cost solution for residential energy management.

Analisis Yuridis terhadap Penjatuhan Sanksi Pidana Pencurian dengan Pemberatan (Studi Putusan Nomor 43/Pid.B/2025/PN Mjy)

Justizia Azila, Sofian Assaori, Saparudin Efendi — Wed, 30 Sep 2026 00:00:00 +0000

This study is motivated by the high incidence of aggravated theft as regulated under Article 363 of the Indonesian Criminal Code (KUHP) and the need to examine the judge's considerations in imposing criminal sanctions, particularly in Decision Number 43/Pid.B/2025/PN.Mjy. The purpose of this study is to analyze the legal regulation of aggravated theft under Article 363 of the Criminal Code and to examine the judge's legal considerations in rendering the decision. This research employs a normative legal research method using statutory, case, and conceptual approaches. The findings indicate that the elements of aggravated theft as stipulated in Article 363 of the Criminal Code were fulfilled in the case under review. However, the sentence imposed by the judge was considered not to have fully reflected the sense of justice because it was not proportionate to the seriousness of the offense and the aggravating circumstances. Therefore, it can be concluded that although the application of Article 363 of the Criminal Code was legally appropriate, the judge's considerations in determining the sentence should place greater emphasis on the principles of justice, legal certainty, and legal expediency.

Strategi Konten Edukatif dan Komunikasi Dua Arah dalam Pelayanan Publik Melalui Instagram Disdukcapil Kabupaten Wonogiri

Natatha Cariya Dithi, Sudarto Sudarto — Wed, 30 Sep 2026 00:00:00 +0000

In comments section or direct messages. Thus, Instagram can n. This study aims to analyze the educational content strategies and the effectiveness of two-way public communication employed by the Wonogiri Regency Population and Civil Registration Agency (Disdukcapil) in reducing public cognitive friction regarding population administration services. A descriptive qualitative approach was applied, utilizing a dataset of 36 official posts from the @dukcapilwonogiri Instagram account (24 infographics/posters and 12 short Reels videos) from January to June 2026, alongside structured interviews with the agency's Head of Public Relations Sub-division and Social Media Administrator. The findings indicate that the 'SINAUSIKLO' (Wonogiri Population Administration Information and Education System) program and the '#MINDUK Tanya Ahlinya' (#MINDUK Ask the Expert) initiative effectively reduced bureaucratic complexity through a combination of persuasive visual rhetoric, approachable typography, and an inclusive touch of the local Javanese dialect—specifically the word 'Sinau' (to learn). An interaction analysis of 30 sampled citizen comments identified indicators of two-way communication, with an administrator response rate of 83.3% and an average response time of 2.4 hours. However, the prevailing public communication pattern remained predominantly 'two-way asymmetrical' (focused merely on answering technical procedural questions). It is recommended that Disdukcapil Wonogiri establish a Standard Operating Procedure (SOP) mandating a maximum response time of 24 hours and transform its digital channels toward a 'two-way symmetrical' model to better incorporate public input for system improvements.

Analisis Isi Pesan Persuasif dalam Konten Ganja Medis pada Akun Instagram @Tm420.Id

Mochammad Ulul Azmi — Wed, 30 Sep 2026 00:00:00 +0000

The growth of social media has made Instagram an important platform for disseminating health information, including medical cannabis, which remains a controversial issue in Indonesia. This study aims to examine the construction of persuasive messages in medical cannabis educational content on the Instagram account @tm420.id. Using a qualitative approach and content analysis, the study analyzed 20 posts consisting of 14 carousel posts and 6 reels. The analysis focused on persuasive message forms, message appeals, persuasion routes based on the Elaboration Likelihood Model (ELM), and visual rhetoric. The findings reveal that argumentative messages dominate the content, supported by informative and educational messages. Rational appeal serves as the primary persuasive strategy through the presentation of facts, empirical evidence, research findings, regulatory developments, and scientific references. Nineteen posts primarily employ the central route, while one post relies more on the peripheral route. Visual rhetoric, including carousels, infographics, typography, illustrations, and screenshots of scientific journals and official documents, enhances credibility and facilitates audience understanding.

Hubungan Antara Konsep Diri dengan Kematangan Karir pada Mahasiswa Tingkat Akhir Universitas Aisyiyah Yogyakarta

Lucky Lucky, Mustaqim Setyo Ariyanto, Ratna Yunita Setiyani Subardjo — Wed, 30 Sep 2026 00:00:00 +0000

This study aims to examine the relationship between self-concept and career maturity among final-year students at Universitas ‘Aisyiyah Yogyakarta. The participants consisted of 150 final-year students selected using a convenience sampling technique. The research instruments included a self-concept scale and a career maturity scale. This study employed a quantitative approach with a correlational design. The results of Spearman’s rank correlation analysis revealed a correlation coefficient (rₛ) of 0.894, indicating a very strong positive correlation, with a p-value of < 0.001. The coefficient of determination (r²) was 0.799, indicating that the squared correlation was approximately 79.9%, describing shared variation without establishing causality. These findings demonstrate a statistically significant positive relationship between self-concept and career maturity among final-year students at Universitas ‘Aisyiyah Yogyakarta. Thus, higher levels of self-concept are associated with higher levels of career maturity, and vice versa.

Sosialisasi Anti Perundungan: Edukasi Etika Komunikasi sebagai Langkah Awal Membangun Karakter Positif dan Harmoni Sosial pada Siswa SDK Lewobelen

Arselo Amabel Missa, Yoseph Riang, Emanuel Kosat — Wed, 30 Sep 2026 00:00:00 +0000

Communication serves as the fundamental basis of social interaction, playing a critical role in shaping adolescent character and behavior. However, a lack of understanding regarding communication ethics in Lewobelen Village has triggered negative behaviors such as bullying and juvenile delinquency. This community service program aims to educate local youth on communication ethics as a foundational step toward fostering social harmony and reducing juvenile delinquency. The implementation method utilized a participatory approach encompassing socialization, group discussions, interactive simulations, social campaigns, and evaluations. The target participants were students and teachers of SDK Lewobelen. The program focused on strengthening students' understanding of bullying prevention and fostering positive communication habits in the school environment.

Analisis Visual Poster Promosi Game “Honkai: Star Rail” 2023 – 2025: Tinjauan Historis

Azalia Eka Tantri, Pratama Bayu Widagdo — Wed, 30 Sep 2026 00:00:00 +0000

This study analyzes the historical transformation of promotional posters for Honkai: Star Rail during the 2023–2025 period, focusing on visual composition, illustration, color, typography, cultural elements, and communication strategies. The study employs a qualitative descriptive method with a historical approach, examining 12 promotional posters from the game selected from different periods between 2023 and 2025. The analysis applies a visual analysis approach based on the identification of visual elements, including composition, illustration, color, typography, and cultural visual elements. In 2023, poster compositions were relatively simple and emphasized character introduction and the establishment of the game's initial visual identity. In 2024, the designs became more dynamic through the integration of cultural elements, improved lighting, perspective exploration, and more complex compositions. By 2025, the posters demonstrated highly detailed illustrations, semi-realistic rendering, atmospheric color schemes, and cinematic compositions. These developments reflect not only advances in digital illustration technology but also HoYoverse's visual communication strategy in constructing distinct identities for each game world. Thus, promotional posters function as both informational media and visual narrative tools.

Optimalisasi Pengelolaan Sampah untuk Peningkatan Pendapatan Asli Daerah (PAD) di Kota Pangkalpinang Provinsi Kepulauan Bangka Belitung

Fibriyanti Fibriyanti — Wed, 30 Sep 2026 00:00:00 +0000

Municipal solid waste management in Indonesian cities is still treated mainly as a spending obligation rather than a potential source of revenue. This study examines how the waste sector in Pangkalpinang City, the capital of the Bangka Belitung Islands Province, can be optimised to raise local own-source revenue. Using evidence-based policy analysis, it combines municipal administrative data on population (2015–2025), waste generation (2021–2025) and waste retribution realisation (2022–2026) with the city technical waste management plan, the national waste information system, and a 2025 joint policy study with the National Research and Innovation Agency. The analytical instruments comprise fishbone root-cause analysis, PESTEL scanning, a waste mass balance, technical feasibility assessment against Indonesian National Standard SNI 03-0691-1996, benchmarking against five local governments, and multi-criteria evaluation using Dunn's policy evaluation framework. The analysis is organised around two policy levers, namely broadening and digitalising the retribution base upstream and creating value from unsaleable waste downstream. The results show that waste retribution grew by only 4.3 per cent per year between 2022 and 2025, that the registered payer base covers about forty entities against an estimated sixty-one thousand households, and that roughly 44.6 tonnes per day of waste never enters the formal collection system. Within the city plastic fraction, 18.39 tonnes per day consists of low-value plastics with no recycling market that can be converted into paving blocks and other building materials; a sensitivity test over a 40-60 per cent low-value share yields 12.26-18.39 tonnes per day, so the 10 tonnes per day required by the planned production units remains available even at the lower bound. An integrated option combining retribution digitalisation with a public service agency production unit is projected to raise waste-sector revenue from IDR 4.98 billion in 2025 to IDR 14.60 billion by 2030, with an economic-fiscal payback period of 3.7 years (incorporating operational avoided costs and spending efficiencies, and therefore distinct from purely commercial capital expenditure recovery). The study closes with a four-stage implementation roadmap for 2026-2030 that assigns lead agencies and measurable targets for the retribution base, digital payment coverage, recycling rate, and production capacity, together with the mitigation measures each stage requires. The findings confirm that waste can be repositioned from a fiscal burden into a measurable revenue stream.

Orientasi Pemasaran dan Kesiapan Digital: Mengungkap Pengaruh Adopsi Kecerdasan Buatan terhadap Kinerja Bisnis UMKM

Hanifa Sri Nuryani — Wed, 30 Sep 2026 00:00:00 +0000

This study examines the structural associations of Marketing Orientation and Digital Readiness with the Business Performance of MSMEs, with Artificial Intelligence (AI) Adoption as an intervening variable, in Sumbawa Regency, West Nusa Tenggara. An explanatory quantitative, cross-sectional survey involved 100 owners or principal decision makers purposively selected from a frame of 387 MSMEs with basic digital activity. The AI Adoption construct captured operational uses, including generative-AI assistance for promotional copy and content, automated instant-message responses, simple customer and trend analysis, and support for demand or inventory planning. Five-point Likert data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) in SmartPLS 4. AVE ranged from 0.773 to 0.779 and Composite Reliability from 0.968 to 0.974, although the latter values warrant scrutiny for possible indicator redundancy. The model explained 71.2% of the variance in AI Adoption and 83.1% in Business Performance within the sample. Bootstrapping with 5,000 subsamples supported seven hypothesized structural associations. Marketing Orientation was positively associated with Business Performance (β = 0.287; p = 0.004) and AI Adoption (β = 0.438; p < 0.001). Digital Readiness was also positively associated with Business Performance (β = 0.263; p = 0.008) and AI Adoption (β = 0.392; p < 0.001), while AI Adoption was positively associated with Business Performance (β = 0.298; p = 0.005) and statistically mediated both relationships in part. Because all observations were collected at one point in time through a single subjective instrument, these results indicate within-sample structural associations rather than temporal causality or verified out-of-sample prediction. The findings suggest that AI use should be accompanied by stronger market-sensing, digital literacy, and data-management capabilities.

Pengaruh Modulus Kehalusan Agregat Halus terhadap Kuat Tekan Mortar Busa

Aditya Wicaksono, Firdaus Firdaus — Wed, 30 Sep 2026 00:00:00 +0000

Foam mortar is a lightweight construction material widely used as embankment fill on low-bearing-capacity soil to minimize settlement. This study examines the effect of varying the Fineness Modulus (FM) of fine aggregates on the fresh properties and mechanical performance—specifically Unconfined Compressive Strength (UCS)—of foam mortar. The FM variations tested were FM-1 (2.022), FM-2 (2.431), FM-3 (2.858), and FM-4 (3.050). Tests on the fresh mixture yielded flow values ranging from 18.35 to 18.90 cm and wet densities between 0.740 and 0.752 g/cm³. Physical and mechanical testing at 28 days resulted in dry densities ranging from 0.766 to 0.805 g/cm³ and UCS values between 1,890.00 and 2,891.99 kPa. Quantitatively, the obtained flow values and dry densities demonstrate that the material meets the technical criteria for lightweight fill under specification SKh-2.7.21:2024. Increasing the fine aggregate FM value was shown to significantly enhance UCS due to the formation of a robust particle skeleton without compromising the stability of the foam voids. The study recommends using fine aggregates with a minimum FM of 2.43 to ensure the achievement of the target 28-day UCS of ≥ 2,000 kPa.