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All Journal International Journal of Artificial Intelligence Research Business Innovation and Entrepreneurship Journal Jurnal Wacana Ekonomi Ilomata International Journal of Tax and Accounting Journal of Economics and Business UBS Ilomata International Journal of Management Bima Journal : Business, Management and Accounting Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Media Pengabdian Komunikasi Research Horizon Jurnal Wahana Akuntansi: Sarana Informasi Ekonomi dan Akuntansi Journal of Knowledge Management Journal Of Entrepeneurship and Strategic Management (JESM) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Khazanah Sosial
Tinneke Hermina
Universitas Garut
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Tingkat Suku Bunga dan Capital Adequacy Ratio terhadap Pemberian Kredit Umkm di PT. Bank Rakyat Indonesia (Persero) Tbk. Hermina, Tinneke
Jurnal Wacana Ekonomi Vol 16, No 3 (2017): Jurnal Wacana Ekonomi
Publisher : Fakultas Ekonomi Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Kondisi bank di Indonesia pasca krisis mendorong pihak-pihak terlibat didalamnya untuk melakukan penilaian atas kinerja bank. Sistem manajemen keuangan di perbankan yang saat ini berubah dengan pesat. Terkait dengan tugas perbankan yaitu mengimpun dana dari masyarakat dan mengembalikan dana kepada masyarakat dalam bentuk kredit. Saat ini pemenuhan kebutuhan dana bagi masyarakat sangatlah besar. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh tingkat suku Bunga dan capital adequacy ratio terhadap pemberian kredit UMKM di PT. Bank Rakyat Indonesia (Persero) Tbk. pada periode 2015 ? 2016. Metode analisis yang digunakan adalah analisis regresi berganda dengan melakukan uji asumsi klasik terlebih dahulu. Hasil penelitian ini menunjukan secara simultan tingkat suku Bungan dan capital adequacy ratio (CAR) tidak berpengaruh terhadap pemberian kredit UMKM. Secara Parsial tingkat suku Bunga tidak berpengaruh terhadap pemberian kredit UMKM karena disebabkan karena tingkat suku bunga bank cenderung menurun. Capital adequacy ratio (CAR) tidak berpengaruh terhadap pemberian kredit UMKM hal ini disebabkan karena capital adequacy ratio (CAR) setiap triwulan cenderung stabil dan melebihi rata-rata yang ditetapkan BI.
Pengaruh Kompensasi dan Lingkungan Kerja terhadap Kinerja Pegawai Bank Intan Jabar (BIJ) Garut Tinneke Hermina
Jurnal Wacana Ekonomi Vol 16, No 1 (2016): Jurnal Wacana Ekonomi
Publisher : Fakultas Ekonomi Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52434/jwe.v16i1.401

Abstract

This study aims to determine the compensation and work environment on the performance of employees of Bank Intan Jabar (BIJ) Garut. The research method used is descriptive method with survey techniques. The population in this study were 104 employees of Bank Intan Jabar (BIJ) Garut. Sampling using the Slovin technique, in order to obtain a sample size of 83 samples. Data analysis techniques to answer the research hypothesis using statistical analysis with multiple regression analysis models. Testing of the hypothesis shows that there is a significant compensation effect on the employee performance of Bank Intan Jabar (BIJ) Garut which is shown from the partial test results of the partial correlation coefficient of 0.445 so that r2 is (0.445) 2 = 0.1980 or 19.80%. there is a significant work environment influence on the employee performance of Bank Intan Jabar (BIJ) Garut, which is shown from the partial test results of the partial correlation coefficient, which is 0.371 so that r2 is (0.371) 2 = 0.1376 or 13.76%, and there are the significant effect of compensation and work environment on the performance of employees of Bank Intan Jabar (BIJ) Garut, which is equal to 0.434 or 43.40%.
Analisis Laporan Keuangan untuk Menilai Kinerja Keuangan pada Koperasi Pegawai Republik Indonesia Kopin Pengayoman Lapas Kabupaten Garut Tinneke Hermina
Jurnal Wacana Ekonomi Vol 15, No 3 (2016): Jurnal Wacana Ekonomi
Publisher : Fakultas Ekonomi Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52434/jwe.v15i3.427

Abstract

This study aims to determine the financial performance of cooperatives. The object of this research is the Employee Cooperative of the Republic of Indonesia, KOPIN Pengayoman Lapas, Garut Regency in 2014-2016. The analytical method used is the ratio of liquidity, solvency, and profitability using Microsoft Excel 2016. The data from this study were obtained from the results of company documents in the form of financial statements of the Republic of Indonesia Employee Cooperative, KOPIN Pengayoman Lapas, Garut Regency in 2014-2016. The results of this study indicate that the liquidity ratio is measured using Current Ratio, 2014-2016 shows that financial performance is classified as very healthy and Cash Ratio, in 2014-2016 shows that financial performance is classified as a fairly healthy condition. The solvency ratio measured using the Debt to Equity Ratio 2014 to 2016 shows that financial performance is classified as healthy and the Debt to Assets Ratio in 2014 to 2016 shows that financial performance is classified as unhealthy. Profitability ratios measured using Economic Rentability, 2014 to 2015 indicate that financial performance is classified as unhealthy and Own Capital Rentability during 2014 to 2016 shows that financial performance is classified as unhealthy.
Aspek Permodalan, Kualitas Aset, Manajemen, Efisiensi, Likuiditas dan Sensitivitas Risiko Pasar dalam Menentukan Kinerja Keuangan Sektor Perbankan di Bursa Efek Indonesia Tinneke Hermina; Wufron Wufron
Jurnal Wacana Ekonomi Vol 17, No 1 (2017): Jurnal Wacana Ekonomi
Publisher : Fakultas Ekonomi Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52434/jwe.v17i1.220

Abstract

This research was conducted to determine the effect of capital aspects, asset quality, management aspects, efficiency, liquidity and risk sensitivity of banks on financial performance. Capital aspects are measured by capital adequacy ratio, asset quality is measured by net performing loans, management aspects are measured by net profit margin, efficiency is measured by net interest margin, liquidity is measured by loan-to-deposit ratio, sensitivity to bank risk is measured by market risk, while performance finance is measured by return on assets. This study uses a sample of banking companies listed on the Indonesia Stock Exchange (IDX) in 2016. The data used is cross section data. The data analysis technique used is multiple regression analysis. The results showed that the capital aspect had a positive and significant effect on financial performance, asset quality had a positive and significant effect on financial performance, management had a positive and significant effect on financial performance, efficiency had a positive and insignificant effect on financial performance, liquidity had a negative and significant effect on financial performance. financial performance and sensitivity to risk have a negative and significant effect on financial performance.
Pengaruh Harga dan Kualitas Produk terhadap Kepuasan Konsumen Pengguna Smartphone Sony pada PT Maju Jaya Cicaheum Bandung Tinneke Hermina
Jurnal Wacana Ekonomi Vol 16, No 2 (2017): Jurnal Wacana Ekonomi
Publisher : Fakultas Ekonomi Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52434/jwe.v16i2.412

Abstract

The purpose of this study was to determine the effect of Price (X1) and Product Quality (X2) on consumer satisfaction (Y) of Sony Smartphone users at PT. Maju Jaya Cicaheum Bandung. This is due to the assumption that the price and product quality of Sony smartphones are not what consumers expect, so that consumers feel dissatisfied with Sony Smartphone products. This can be seen from the data obtained by researchers which strengthens the indication of problems related to these three variables. The hypothesis used in this study is that there is an effect of price and product quality on consumer satisfaction of Sony Smartphone users at PT. Maju Jaya Cicaheum Bandung. This study used a quantitative descriptive method which was carried out on 100 respondents measured by a Likert scale who were all Sony Smartphone users at PT. Maju Jaya Cicaheum Bandung. The data processing techniques used were validity and reliability tests, classic assumption tests (normality, heteroscedasticity), hypothesis testing, multiple linear regression, and the coefficient of determination. The tools used are Microsoft Excel software and SPSS version 20.0. The results of this study indicate that the variable price (X1) and product quality (X2) have a simultaneous effect on consumer satisfaction of Sony Smartphone users at PT. Maju Jaya Cicaheum Bandung. Price variable (X1) has no partial effect on customer satisfaction. but product quality (X2) partially affects customer satisfaction.
The Effectiveness of Counseling and Assistance of Coffee Farmers in Utilizing Coffee Waste and Livestock Management Muslim Alkautsar; Tinneke Hermina; Acep Abdul Basit
Jurnal Inovasi Bisnis dan Kewirausahaan Vol 5 No 1 (2023): Business Innovation and Entrepreneurship Journal (February)
Publisher : Entrepreneurship Faculty, Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35899/biej.v5i1.483

Abstract

This study aims to determine the effectiveness of counseling and mentoring carried out for the Bina Bakti farmer group in Tanjungkarya Village. This counseling and assistance is carried out to increase the desire, knowledge and skills of farmers in utilizing coffee waste and livestock manure to become organic fertilizer. In this study a descriptive qualitative method was used to provide an overview and summarize the various circumstances or situations that occur with coffee farmers in utilizing coffee waste and livestock manure. The picture obtained shows that there are habits that are still adopted by farmers in the use of chemical fertilizers, so that coffee waste and livestock manure have not been fully utilized. The desire of farmers to process coffee waste and animal manure increased after being given counseling, because there was an increase in farmer iterations about organic fertilizers. Likewise, farmers who have used coffee waste and livestock manure to produce organic fertilizer have shown an increase in skills in production management and financial management after mentoring.
How does Implementation Drive Actual Buying Behavior of Organic Coffee? Tinneke Hermina; Hanifah Fauziah
Research Horizon Vol. 2 No. 4 (2022)
Publisher : Publindo Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (576.986 KB) | DOI: 10.54518/rh.2.4.2022.465-475

Abstract

Environmental issues have become a global problem, making people more aware of environmentally friendly aspects of their daily lives. MSME coffee in Garut Regency is one of the subjects contributing to protecting environmental sustainability by promoting green marketing. However, the Indonesian people's views toward green products considered expensive are many factors that consumers choose non-green products. It means there is a gap between attitudes and behavior, which shows that consumers' positive attitudes towards products are not necessarily actualized in buying. The current research is aimed at analyzing the influence of the condition of the consumer's social environment on actual buying behavior through the implementation of coffee products among millennials in the Garut Regency. The results showed that the condition of the consumer's social environment influences actual buying behavior through implementation intention on coffee products among millennials in Garut Regency directly and indirectly.
Analisis Kinerja Keuangan Perusahaan Sebelum dan Sesudah Go Public pada Perusahaan Sektor Properti yang Terdaftar di Bursa Efek Indonesia Rizki Barokah; Tinneke Hermina; Marti Dewi Ungkari
Jurnal Wahana Akuntansi Vol 6, No 1 (2021): Jurnal Wahana Akuntansi
Publisher : Fakultas Ekonomi Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52434/jwa.v6i1.1722

Abstract

Pada era globalisasi ini perkembangan pasar modal telah meningkat dengan pesat, karena persaingan antar perusahaan tidak dapat dipungkiri akan semakin meningkat untuk meraih simpatik dari investor. Penelitian ini bertujuan untuk mengetahui apakah terdapat perbedaan kinerja keuangan perusahaan sebelum dan sesudah go public pada perusahaan sektor properti di bursa efek Indonesia. Metode yang digunakan adalah deskriptif analisis dengan pendekatan komparatif dan jenis data yang digunakan adalah data kuantitatif dengan menggunakan data sekunder yang diperoleh dari laporan keuangan perusahaan di Bursa Efek Indonesia. Teknik analisis data yang digunakan adalah analisis statistik deskriptif dan analisis deskriptif inferensial yang terdiri dari uji normalitas dan uji hipotesis. Hasil uji hipotesis dengan menggunakan paired sample t test yang menunjukan tidak ada perbedaan yang signifikan pada kinerja keuangan perusahaan dengan menggunakan current ratio, debt to equity ratio dan return on investment sebelum dan sesudah go public. Hal tersebut berbeda dengan hasil pengujian secara bersama antara current ratio, debt to equity ratio dan return on investment sebelum dan sesudah go public menggunakan pengujian manova yang memiliki perbedaan yang signifikan.
Pengaruh Orientasi Pasar dan Inovasi Produk terhadap Kinerja Pemasaran pada Home Industri Pasirkiamis Soviyan Munawar; Tinneke Hermina; Yayu Wijayanti
Journal of Knowledge Management Vol 16, No 2 (2022): Journal of Knowledge Management
Publisher : Fakultas Ekonomi Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52434/jkm.v16i2.2560

Abstract

Penelitian ini bertujuan untuk mendeskripsikan orientasi pasar, inovasi produk dan kinerja pemasaran dalam produk peralatan dapur Home Industri Pasirkiamis. Penelitian ini merupakan penelitian dengan menggunakan metode deskriptif dan asosiatif dengan pendekatan kuantitatif. Metode pengumpulan data yang digunakan yaitu dengan penyebaran kuesioner pada 97 responden, untuk analisis data peneliti menggunakan analisis regresi linier berganda, dari hasil penelitian ini dapat disimpulkan bahwa variabel orientasi pasar dan inovasi produk berpengaruh signifikan secara simultan terhadap kinerja pemasaran yang menggunakan produk peralatan dapur Home Industri Pasirkiamis.
Pengaruh Diferensiasi Harga dan Word Of Mouth terhadap Minat Beli Konsumen pada Toko Daih Collection Garut Asep Somantri; Tinneke Hermina; Kurnaeli Kurnaeli
Journal of Knowledge Management Vol 13, No 2 (2019): Journal Of Knowledge Management
Publisher : Fakultas Ekonomi Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52434/jkm.v13i2.2194

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana Diferensiasi Harga, Word Of Mouth dan Minat Beli Konsumen serta pengaruh Diferensiasi Harga dan Word Of Mouth terhadap Minat Beli Konsumen pada Toko Daih Collection Garut. Metode yang digunakan dalam penelitian ini adalah metode deskriptif dan metode kausal asosiatif, dimana metode deskriptif digunakan untuk menjelaskan bagaimana kondisi Diferensiasi Harga, Word Of Mouth dan Minat Beli Konsumen, sedangkan metode kausal asosiatif untuk menjelaskan sebab akibat dari ketiga variabel tersebut. Adapun jumlah populasi dalam penelitian ini 96 responden dengan teknik pengambilan sampel dalam penelitian ini menggunakan teknik aksidental. Sedangkan alat analisis yang digunakan adalah Analisis Regresi Berganda. Berdasarkan hasil penelitian maka secara keseluruhan tanggapan responden mengenai Diferensiasi Harga, Word Of Mouth, dan Minat Beli Konsumen dapat dikatakan baik, hal ini menunjukkan bahwa pemberian informasi yang disampaikan serta penawaran harga yang diberikan mampu meningkatkan minat beli konsumen terhadap produk Toko Daih Collection Garut. Sedangkan berdasarkan pengujian hipotesis yang dilakukan, dapat disimpulkan bahwa secara signifikan Diferensiasi Harga berpengaruh terhadap Minat Beli, Word Of Mouth berpengaruh terhadap Minat Beli, dan secara bersama-sama Diferensiasi Harga dan Word Of Mouth berpengaruh terhadap Minat Beli Pada Toko Daih Collection Garut.
Co-Authors Acep Abdul Basit Acep Abdul Basit Acep Abdul Basit Adela Amanda Putri Alam Avrianto Alkautsar, Muslim Arrasyid, Fuji Fitriana Asep Saepuloh Asep Somantri Azgia Permata Khoirunnisa Basit, Acep Abdul Cecep Hamzah Pansuri Fauziah, Hanifah Fitrin Rawati Suganda Gilar Rizky Prayoga Gunawan, Zahran Hanifah Fauziah Hanifah Fauziah Hanifah Hanifah Hilman Rismanto Ieke Sartika Iriany Iin Munawaroh Irfan Nabhani Irma Rosmayati Khansa Mufidah Kurnaeli Kurnaeli Kurniawan, Deri Alan Kusmiati, Eti Lukmanul Hakim, Aditya Marizsa Herlina Marti Dewi Ungkari Mila Amalia Mochamad Rifaldi Yusup Mochamad Romdhon Mochammad Adry Ghifary Hermansyah Muh Alif Nurrohman Muhamad Rosandi Aulia Munawar, Soviyan Muslim Al Kautsar Muslim Alkautsar Nisa Wildaningrum Saputri Novi Andini Novie Susanti Suseno Nurani, Nispi Gustia Nurhadi, Zikri Fachrul Nurhadi Nurhasan, Rohimat Oktri Mohammad Firdaus Rawati Suganda, Fitrin Rifaldi Primantara Dwi Putra Rizki Barokah Rizki Gumelar, Irfan Romdhon, Mochamad Setiawan, Rahyuniati Sundapa, Deden Syifa Robiath Ulfha Taufik Septiana Uu Suparman Wahyuningsih Wahyuningsih Wati Susilawati Wufron Wufron Yayu Wijayanti Yusep Wahyupudin