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Evaluasi Kelayakan Pemberian Kredit Oleh PT BPR Artha Sari Kencana Malang Prasetyo, Irawan Budi
Arthavidya Jurnal Ilmiah Ekonomi Vol 20, No 2 (2018)
Publisher : Arthavidya Jurnal Ilmiah Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (301.399 KB)

Abstract

Abstraction. Credit Evaluation is an important element in lending to debtors. Crediting activities required a good and thorough analysis of all aspects of credit that can support the crediting process, in order to prevent the emergence of a credit risk. The purpose of this study is to determine the feasibility of giving credit made by the PT BPR Artha Sari Kencana Malang. From the result of data analysis using 6C analysis tool that is character, capacity, capital, collateral, condition and compliance stated that most of the debtor deserve credit from PT BPR Artha Sari Kencana Malang. Based on the 6C analysis tool, it was found that eligible credit received 80% (as many as 12 people), while unacceptable credit received 20% (as many as 3 people). Keyword: evaluation, credit
Analisis Implementasi Green Banking Dan Kinerja Keuangan Terhadap Profitabilitas Bank Di Indonesia (2016-2019) Diah Anggraini; DWINITA ARYANI; Irawan Budi Prasetyo
JBMI (Jurnal Bisnis, Manajemen, dan Informatika) Vol. 17 No. 2 (2020): JBMI
Publisher : Department of Management FEB Unhas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/jbmi.v17i2.11264

Abstract

Green banking adalah aktivitas operasional perbankan yang ramah lingkungan. Penelitian ini menganalisis penerapan green banking, dan kinerja keuangan terhadap profitabilitas bank di Indonesia periode 2016-2019. Sampel penelitian menggunakan metode purposive sampling dan di peroleh 9 bank yang sesuai kriteria. Pengujian data menggunakan analisis regresi berganda. Hasil penelitian menunjukkan bahwa kebijakan green banking berpengaruh positif signifikan terhadap profitabilitas, kecukupan modal tidak berpengaruh negatif signifikan terhadap profitabilitas, kredit bermasalah tidak berpengaruh negatif signifikan terhadap profitabilitas, efisiensi bank berpengaruh negatif signifikan terhadap profitabilitas, tingkat likuiditas bank tidak berpengaruh positif signifikan terhadap profitabilitas. Green banking is an environmentally friendly banking operational activity. This study analyzes the implementation of green banking and financial performance to profitability of banks in Indonesia period 2016-2019. The research sample used purposive sampling method and obtained 9 banks that match the criteria. Testing data using multiple regression analysis. The results of this study indicate that green banking policy had a significant positive effect on profitability, capital adequacy had no significant negative effect on profitability, non-performing loans had no significant negative effect on profitability, bank efficiency had a significant negative effect on profitability, the level of bank liquidity had no significant positive effect on profitability.
Pemanfaatan Mesin Jahit High Speed Electric Untuk Peningkatan Industri Kreatif Rajutan (Crochet Goods) di Malang Rina Irawati; Irawan Budi Prasetyo
Jurnal ABM Mengabdi Vol 5 (2018): Desember
Publisher : STIE Malangkucecwara

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Abstract

MEA era since 2016, the opportunities for the creative industry are widening. In the past 2 years, the creative economy has contributed approximately 7% of Indonesia's GDP. The business potential in the creative industry sector is still widely open to work by business people in Indonesia. Creative industry channels have many types. As one example of this is the knitted business that is now becoming popular, both among adults, adolescents and children. Partners in this PKM are Barkarajuta in Savira, Beji-Municipality of Batu Housing, and Omah Benthelan N & N Collection in Lowokwaru Sub-District Malang. Output targets are: (1) Increasing business productivity both in quality and quantity, by increasing production facilities, (2) Partners understanding and possessing skills and knowledge of accounting records, creative industry business, financial management, and operating accounting software, (3) Making simple accounting software, and (4) Publications to national scientific journals, mass media and IPR. The results of PKM activities provide a significant increase in both partners in the form of increasing the number of new products, product quantity, order quantity and product quality.
Capacity Building Sebagai Upaya Peningkatan Kemampuan Pengurus Lazis Sabilillah di Malang Bunyamin Bunyamin; Siti Munfaqiroh; Yuyuk Liana; Agus Salim; Rina Irawati; Irawan Budi Prasetyo; Edi Sudiarto
Jurnal ABM Mengabdi Vol 8 No 1 (2021): Juli
Publisher : STIE Malangkucecwara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31966/jam.v8i1.860

Abstract

Capacity building merupakan penguatan kapasitas individu, kelompok atau organisasi yang mengembangkan kemampuan, keterampilan, potensi, bakat, dan penguasaan kompetensi individu, kelompok, dan organisasi yang diharapkan mampu bertahan untuk mengatasi tantangan perubahan yang terjadi. Optimalisasi Caracter Building ini dilakukan melalui pelatihan service excellent dan informasi tehnologi di lingkungan pengurus dan relawan Laziz Sabililah. Terdapat dua tahap pelaksanaan kegiatan, yaitu: (1) Melakukan rekruitmen untuk relawan-relawan dalam kegiatan ini dengan tujuan untuk melakukan regenerasi anggota serta menambah jumlah anggota dalam menghadapi kegiatan bulan Ramadhan, dan (2) Pengenalan lingkungan dan pelatihan–pelatihan bagi pengurus Laziz Sabililah yang terdiri dari remaja-remaja masjid untuk meningkatkan kapasitas diri. Output dari kegiatan ini adalah: (1) Kemampuan memberikan pelayanan prima dalam penerimaan zakat sehingga masyarakat merasa puas dan nyaman, dan (2) Peningkatan kemampuan pengurus dalam pengelolaan dana zakat dengan meggunakan kemajuan teknologi informasi dengan lebih maksimal lagi sehingga dana terdebut dapat diserap, dikelola serta disalurkan dengan tepat.
PENGARUH FEE BASED INCOME TERHADAP LABA OPERASIONAL PADA BANK BUMN YANG TERDAFTAR DI BEI Irawan Budi Prasetyo
Buletin Ekonomi: Manajemen, Ekonomi Pembangunan, Akuntansi Vol 18, No 2 (2020): Buletin Ekonomi: Manajemen, Ekonomi Pembangunan, Akuntansi
Publisher : Universitas Pembangunan Nasional Veteran Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (366.549 KB) | DOI: 10.31315/be.v18i2.5638

Abstract

This study aims to determine the effect of commissions, fees and fees, foreign exchange and other income simultaneously and partially on the operating profit of banks listed on the Indonesia Stock Exchange in the period 2007-2014. This research is a correlational study which aims to determine the relationship and influence of the independent and dependent variables. The object of this research is state-owned banks listed on the Indonesia Stock Exchange for a period of 4 years (2007-2014) whose data have been grouped by purposive sampling. While the analysis tool used is linear regression. The results show that foreign exchange (X2) has a significant and dominant effect on operating profit (Y), which means that an increase in foreign exchange earnings will be followed by an increase in operating profit. Simultaneously, commission, fees and fees, foreign exchange or foreign exchange earnings, other income (X1,2,3) affect operating profit by 83.2%, and the remaining 16.8% is influenced by other factors not calculated in this study.  Penelitian ini bertujuan untuk mengetahui pengaruh komisi, provisi dan fee, valuta asing dan pendapatan lainnya secara simultan dan parsial terhadap laba operasional bank bank yang terdaftar di Bursa Efek Indonesia dalam kurun waktu 2007-2014. Penelitian ini merupakan penelitian korelasional yang bertujuan untuk mengetahui hubungan dan pengaruh variabel bebas dan variabel terikat.Obyek penelitian adalah bank bank BUMN yang terdaftar di Bursa Efek Indonesia dalam kurun waktu 4 tahun (2007 – 2014 ) yang datanya telah di kelompokkan dengan cara purposive sampling. Sedangkan alat analisis yang digunakan adalah regresi linier. Hasil penelitian menunjukkan bahwa  valuta asing atau devisa (X2) berpengaruh signifikan dan dominan terhadap laba operasional (Y) yang berarti dengan adanya kenaikan pendapatan valuta asing atau devisa akan diikuti oleh peningkatan laba operasional. Secara simultan pendapatan komisi, provisi dan fee, Pendapatan valuta asing atau devisa, pendapatan lainnya (X1,2,3) mempengaruhi laba operasional sebesar 83,2%, dan sisanya 16,8% dipengaruhi oleh faktor lain yang tidak dihitung dalam penelitian ini.
PENGGUNAAN ANALISA CAMEL DALAM MENILAI TINGKAT KESEHATAN BPR DELTA SARI KENCANA MALANG PERIODE 2018-2019 Irawan Budi Prasetyo
Buletin Ekonomi: Manajemen, Ekonomi Pembangunan, Akuntansi Vol 19, No 2 (2021): Buletin Ekonomi: Manajemen, Ekonomi Pembangunan, Akuntansi
Publisher : Universitas Pembangunan Nasional Veteran Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/be.v19i2.8070

Abstract

This study aims to determine the level of health of BPR using CAMEL method over the period 2017-2019 are included in the category of healthy, quite healthy, less. CAMEL has five aspects: capital using, aspects of asset quality, management, and risk management, aspects of profitability, and liquidity aspect ratio, based on the Decree of Directors of Bank Indonesia Number 30/12 / KEP / DIR dated 30 April 1997 concerning Procedures for Evaluation of Health BPR . The type of data used is primary data obtained through interviews and secondary data, the financial statements of the balance sheet and income statement 2017-2019 .Based on the results of the research that has been done on BPR Harmony Partners stated that the level of health BPR Delta Sari Kencana period of 2017 to 2019 received the title HEALTHY because CAMEL credit score of more than 81. Penelitian ini bertujuan untuk mengetahui tingkat kesehatan BPR dengan menggunakan metode CAMEL selama periode tahun 2017-2019 apakah masuk dalam kategori sehat, cukup sehat, kurang sehat atau tidak sehat. CAMEL memiliki lima aspek, yaitu aspek permodalan, aspek kualitas aktiva produktif, aspek manajemen, aspek rentabilitas, dan aspek likuiditas berdasarkan Surat Keputusan Direksi Bank Indonesia Nomor 30/12/KEP/DIR tanggal 30 April 1997 perihal Tata Cara Penilaian Tingkat Kesehatan BPR. Jenis data yang digunakan adalah data sekunder yaitu laporan keuangan berupa neraca dan laporan laba rugi BPR Delta Sari Kencana tahun 2017-2019. Berdasarkan hasil penelitan yang telah dilakukan pada BPR Delta Sari Kencana menyatakan bahwa tingkat kesehatan BPR Delta Sari Kencana periode tahun 2017 sampai 2019 mendapat predikat SEHAT karena nilai kredit CAMEL lebih dari 81
Optimalisasi Lahan Terbuka Hijau Melalui Penanaman Tanaman Hijau Dan Bunga Hias Bunyamin Bunyamin; Siti Munfaqiroh; Yuyuk Liana; Hanif Mauludin; Evi Maria; Dyah Aruning Puspita; Aminul Amin; Edi Sudiarto; Rina Irawati; Irawan Budi Prasetyo; Agussalim Andriansyah
Jurnal ABM Mengabdi Vol 9 No 2 (2022): Desember
Publisher : STIE Malangkucecwara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31966/jam.v9i2.1122

Abstract

Community service activities are a collaboration between STIE Malangkuҁeҁwara Malang and the Sabililah Polyclinic, Malang City. The form of this activity is the use of open land around the Sabililah Polyclinic, Malang City by planting various green plants and various kinds of flowers. The results of the activities of planting green plants and ornamental flowers and pots can provide a beautiful, cool, and beautiful environment for the Sabilillah Polyclinic so that visitors and employees feel more comfortable
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT INVESTASI DI PASAR MODAL PADA MAHASISWA EKONOMI DAN BISNIS (Studi Pada Mahasiswa Aktif Sekolah Tinggi Ilmu Ekonomi Malangkuçeçwara Tahun 2021) IRAWAN BUDI PRASETYO; SUSANTI SUSANTI
Jurnal Widya Akuntansi dan Keuangan Vol 5 No 01 (2023): Widya Akuntansi dan Keuangan
Publisher : UNHI Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32795/widyaakuntansi.v5i01.2934

Abstract

The purpose of this study was to determine the effect of investment education, minimum investment capital, perceived return, perceived risk, and social media on investment interest in the capital market among students at the Malangkucecwara College of Economics. This type of research is quantitative research that uses primary data and is generated from the distribution of questionnaires. The population of this study is active students in 2021, Malangkucecwara College of Economics with a sample of 91 students as respondents. The statistical method is multivariate analysis using SmartPLS. The results of this study are investment education factors, minimum investment capital factors, and risk perceptions do not have a significant influence on the variables of interest in investment in the capital market for students of the Malangkucecwara College of Economics. Meanwhile, the perception of return and social media have a significant influence on the variable of interest in investing in the capital market for students of the Malangkucecwara College of Economics.
PENGARUH RISIKO KEUANGAN DAN PERTUMBUHAN PENJUALAN TERHADAP PROFITABILITAS (SEBAGAI VARIABLE INTERVENING) DAN NILAI PERUSAHAAN FARMASI PERIODE 2020 -2022 Dewi, Mariana Puspa; Prasetyo, Irawan Budi
Jurnal Manajemen dan Profesional Vol. 4 No. 2 (2023): Jurnal JPro
Publisher : Program Studi Manajemen Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpro.v4i2.2055

Abstract

This study aims to determine the Effect of Financial Risk, Sales Growth on Profitability and Value of Pharmaceutical Companies of pharmaceutical companies in 2020 – 2022. The type of research conducted in this study is quantitative which aims to determine the relationship between independent and bound variables, in this study it is carried out to determine the effect of financial risk, sales growth on profitability as an intervening variable and company value. The source of data used in this study is secondary data in the form of financial statements of pharmaceutical companies listed on the Indonesia Stock Exchange from 2020 to 2022. To determine the effect of DAR and sales growth on profitability and company value using pricebook value, Debt to Asset Ratio, Sales Growth, and Return on Asset ratio. The results showed that DAR had a significant negative effect on profitability. This means that the smaller the DAR value, the greater the level of profitability achieved. Sales growth has no insignificant effect on profitability. That is, the level of sales growth is not the cause of the rise or fall of company profitability. The effect of DAR, Sales Growth and ROA on Company Value. DAR has no effect and is not significant on the Value of the Company. That is, investors look more at the prospects of the company than at the Financial Risk in this case the value of the Debt to Asset Ratio. Sales Growth has a positive and significant effect on Company Value.
PENGARUH SUSTAINABILITY REPORT TERHADAP NILAI PERUSAHAAN DENGAN PROFITABILITAS SEBAGAI VARIABEL MODERASI Prasetyo, Irawan Budi
Jurnal Manajemen dan Profesional Vol. 5 No. 1 (2024): Jurnal JPro
Publisher : Program Studi Manajemen Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpro.v5i1.2219

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis pengaruh sustainability report terhadap nilai perusahaan dengan profitabilitas sebagai variabel moderasi. Sustainability report sebagai variabel independen nilai perusahaan sebagai variabel dependen dan profitabilitas sebagai variabel moderasi. Populasi dalam penelitian ini adalah perusahaan pertambangan sektor energi 2019-2021. Sampel yang diambil dengan teknik non probability sampling-puposive sampling, sehingga jumlah sampel dalam penelitian ini adalah 13 sampel. Hasil penelitian ini menunjukan bahwa variabel sustainability report berpengaruh terhadap nilai perusahaan, variabel profitabilitas berpengaruh terhadap nilai perusahaan dan variabel profitabilitas tidak mampu memoderasi pengaruh sistanaibility report terhadap nilai perusahaan. Kata Kunci: Sustainability report, nilai perusahaan, profitabilitas.