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The Financial Performance Comparation of Private and Government Bank: Rural Bank Case Widia, Syam; Prananta, Widya
Management Analysis Journal Vol 10 No 1 (2021): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v10i1.46009

The purpose of establishing rural bank/ Bank Perkreditan Rakyat known as BPR is to improve the regional economy through credit as financial support for inclusive society. Meanwhile, the contribution of BPR/BPRS (Conventional/Sharia) owned by the Local Government to the regional economy is still small in number. It reflected in the share of productive loans/financing channeled by Local Government BPR lower than private BPR/BPRS. This study aims to Analyze Performance Difference in Private Rural Banks and Rural Banks Owned by Local Government in Central Java Province using financial performance ratios. The financial performance ratios were Capital Adequacy Ratio (CAR), Quality of earning assets, Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Return on Assets (ROA). The method used to analyze data is Different Tests using Independent T-test. This study used SPSS Version 23 analysis tool. The sample of this research is BPR owned by Local Government of Central Java, and Private owned BPR in Central Java Province from 2016 to 2019. Selection of sample by using purposive sampling. Based on Independent T-Test, there is a difference in the ratio of Quality of earning assets and LDR between BPR owned by Local Government and Private Rural Bank, while for the ratio of NPL, CAR, and ROA there is no difference.

The Financial Performance Comparation of Private and Government Bank: Rural Bank Case Widia, Syam; Prananta, Widya
Management Analysis Journal Vol 10 No 1 (2021): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v10i1.46009

The purpose of establishing rural bank/ Bank Perkreditan Rakyat known as BPR is to improve the regional economy through credit as financial support for inclusive society. Meanwhile, the contribution of BPR/BPRS (Conventional/Sharia) owned by the Local Government to the regional economy is still small in number. It reflected in the share of productive loans/financing channeled by Local Government BPR lower than private BPR/BPRS. This study aims to Analyze Performance Difference in Private Rural Banks and Rural Banks Owned by Local Government in Central Java Province using financial performance ratios. The financial performance ratios were Capital Adequacy Ratio (CAR), Quality of earning assets, Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Return on Assets (ROA). The method used to analyze data is Different Tests using Independent T-test. This study used SPSS Version 23 analysis tool. The sample of this research is BPR owned by Local Government of Central Java, and Private owned BPR in Central Java Province from 2016 to 2019. Selection of sample by using purposive sampling. Based on Independent T-Test, there is a difference in the ratio of Quality of earning assets and LDR between BPR owned by Local Government and Private Rural Bank, while for the ratio of NPL, CAR, and ROA there is no difference.

Role of Service Quality, Price Perception, Brand Image, and Information Technology Involvement in Banking Product Purchase Decisions Prananta, Widya; Hapsoro, Bayu Bagas; Permana, Made Virma
JDM (Jurnal Dinamika Manajemen) Vol 12, No 2 (2021): September 2021
Publisher : Department of Management, Faculty of Economics and Business, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v12i2.28936

The decision to buy savings products at BRI is interesting to be raised in the research because, on the one hand, BRI is a bank that has a network of work units in remote areas of Indonesia so that it can serve the wider community, on the one hand, there are still many customers who complain about its services to BRI. This paper address the role of service quality, price perception, brand image, and purchase decision to banking products moderated by Information Technology. Data is collected through a questionnaire survey. This study employs purposive sampling to obtain respondents (n = 110), with the criteria, customers of the Britama account holder. Data analysis using SEM (Structural Equation Modeling) to get research results. Based on the results of confirmatory analysis and hypothesis testing, there is a strong relationship between the independent variables tested on the Purchase Decision of Britama Savings Products at BRI. Meanwhile, Information Technology moderated service quality shows a strong relationship. Price Perception with Information Technology moderation shows a weak relationship. Information Technology moderated Brand Image has no relationship with the purchase decision.

ANALISIS KOMPARASI KINERJA KEUANGAN BPR MILIK SWASTA DAN BPR MILIK PEMERINTAH DAERAH DI PROVINSI JAWA TENGAH PERIODE 2014-2016 Widya Prananta; Yulianti Yulianti; Anita Damajanti
Jurnal Akuntansi Indonesia Vol 8, No 1 (2019): Jurnal Akuntansi Indonesia
Publisher : Universitas Islam Sultan Agung (UNISSULA), Faculty of Economics, Department of Accounting

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/jai.8.1.57-73

This study aims to analyze the Differences in Performance of Private Owned Rural Banks and Local Government-Owned Rural Banks in Central Java Province by using financial performance ratios namely Non Performing Loans (NPL), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR). ), Earning Assets Quality (KAP), Operating Income Operating Expenses (BOPO) and Return on Assets (ROA). The method used to analyze the data is the Different Test using the Independent T test. This study used the SPSS Version 19. Analysis tool.The population used in this study was BPR in Central Java. The sample of this study is the Rural Bank owned by the Central Java Regional Government and the Private Rural Banks in Central Java Province. Sample selection using purposive sampling. Based on the Independent Test of the T test, there are differences in the NPL and KAP ratios between the Regional Government-owned BPR and the Private BPR, while there are no differences in the CAR, LDR, BOPO and ROA ratios.

PENGARUH KINERJA KEUANGAN TERHADAP PENYALURAN KREDIT PADA BANK PERKREDITAN RAKYAT DI KOTA SEMARANG widya prananta; Yulianti Yulianti; Anita Damajanti
Jurnal Riset Ekonomi dan Bisnis Vol 12, No 2 (2019): AGUSTUS
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/jreb.v12i2.1544

Penelitian ini bertujuan untuk menguji pengaruh kinerja keuangan BPR terhadap penyaluran kredit di kota Semarang. Data yang digunakan merupakan data sekunder yang diambil dari Laporan Publikasi Otoritas Jasa Keuangan. Data yang diperoleh sebanyak 69 laporan keuangan BPR di Kota Semarang dari tahun 2014-2016. Metode yang digunakan untuk menganalisis data adalah Analisis Regresi Linier Berganda. Penelitian ini menggunakan alat analisis SPSS Versi 16. Hasil penelitian menunjukkan bahwa DPK (Dana Pihak Ketiga), ROA (Return on Asset), NPL (Non-performing Loans), CAR (Capital Adequacy Ratio), dan LDR (Loan to Deposit Ratio) secara bersama-sama memiliki pengaruh signifikan terhadap penyaluran kredit di BPR Kota Semarang. Sementara secara parsial ROA (Return on asset), NPL (Non-performing Loans), CAR (Capital Adequacy Ratio) tidak memiliki pengaruh, sementra DPK (Dana Pihak Ketiga) dan LDR (Loan to Deposit Ratio) memiliki pengaruh yang signifikan terhadap penyaluran kredit sehingga Bank Perkreditan Rakyat harus menghimpun Dana Murah dari Masyarakat agar kredit yang disalurkan memiliki bunga Kredit yang Kompetitif dan menjaga likuiditasnya agar ratio LDR tetap berada di ratio yang ditetapkan Bank Indonesia.

Business Environment Strategy: Is Sale Through Online System Important? A SWOT Analysis Approach Widya Prananta; Angga Pandu Wijaya
Indonesian Management and Accounting Research Vol. 19 No. 1 (2020): Indonesian Management and Accounting Research
Publisher : Universitas Trisakti

PT PELNI builds online system ticket sales as a solution to improve its services. The purpose of this study is to analyze the procedure for online ticket sales at PT PELNI and formulate strategies that should be selected companies in the implementation of the system using a SWOT analysis diagram. Purposive sampling conducted to obtain a respondent answer. The sample in this study was 12 employees of PT PELNI Semarang, 16 ticket sales agents, each agent as many as three people. This study employs primary and secondary data to analyze. Methods of data collection using questionnaires. PT PELNI’s strategy was adding branch office and ticket sales agents. Whether also expanded marketing networks and socialization systems online. It would be market segmentation in cooperation with PT POS in purchasing tickets ship online. Also could perform integrated communication between the PT PELNI center, a branch, and sales agents for make improvements of the online system’s way to organize and strengthen the existing network, purchasing tickets through the PT PELNI’s website.

The Role of The Influence of Fund Withdrawal Plan and Human Resources Competency on Budget Performance Mediated by Budget Absorption Ariyati, Ariyati; Rahmawati, Farida; Prananta, Widya
Management Analysis Journal Vol 11 No 3 (2022): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v11i3.61164

This study wants to examine various factors that affect budget performance, especially in the Faculty of Social Sciences, Universitas Negeri Semarang through Goal Setting Theory. The data used in this study is primary data. This data is data directly obtained from respondents by distributing questionnaires to implementers of work activities within the Faculty of Social Sciences, Universitas Negeri Semarang to determine the effect of the Variable Fund Withdrawal Plan and HR Competence on Budget Performance Mediated by Budget Absorption at the Faculty of Social Sciences. Unnes. Determination of the sample is based on what is suggested by Hair et al., (2010) that is, 5-10 times the number of research indicators. In this study there were 23 indicators, so in this study the sample used was 138 people.

PERAN KEADILAN PROSEDURAL DAN KEADILAN ANTAR PRIBADI DALAM MENENTUKAN KEBERHASILAN DAN KEPUASAN PENANGANAN KOMPLAIN Angga Pandu Wijaya; Widya Prananta; Made Virma Permana
Jurnal Bisnis Terapan Vol. 7 No. 1 (2023): Jurnal Bisnis Terapan
Publisher : Politeknik Ubaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24123/jbt.v7i1.5335

Service companies often face complaints due to the challenges of providing standardized services. Unlike manufacturers that produce standardized products using machines, service companies are more susceptible to consumer complaints. Procedural justice and interpersonal justice are factors that determine the success rate of complaint handling. This study aims to examine the impact of procedural justice and interpersonal justice on complaint satisfaction through complaint handling. The study adopted a quantitative approach and involved a sample of 181 respondents, specifically consumers who have filed complaints with service companies. The test results demonstrate that both procedural justice and interpersonal justice significantly influence the effectiveness of complaint handling. The research also confirms that complaint satisfaction is influenced by both procedural justice and interpersonal justice. The study's findings indicate that successful complaint handling partially mediates the relationship between procedural justice, interpersonal justice, and complaint satisfaction. This research underscores the importance of procedural justice and interpersonal justice for service companies. They should prioritize complaint handling to establish customer loyalty and prevent negative word-of-mouth.

Customer Switching Intention: The Integrated Framework of Disconfirmation Theory Widya Prananta; Vitradesie Noekent; Angga Pandu Wijaya; Bayu Bagas Hapsoro
Media Ekonomi dan Manajemen Vol 38, No 2 (2023): July 2023
Publisher : Fakultas Ekonomika dan Bisnis UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/mem.v38i2.3772

Due to growing competition, customer retention has become a big problem in many service companies. Within a conceptual model for consumer switching intention, this article examines the influence of customer experience, customer satisfaction, and switching intention to green products, all of which are controlled by online information. Even though scholars have researched consumer switching intentions and the elements that influence them, the complex structural processes that minimize the chance of switching intentions in higher education institutions have remained unstudied. This paper addresses the role of customer experience and customer satisfaction to switching intentions moderated by online information. Data is collected through a questionnaire survey. This study employs purposive sampling to obtain respondents (n = 135), with the criteria, students at Universitas Negeri Semarang, a Conservatory University, who wish to switch to green products. Empirical findings support the proposed model and hypotheses, demonstrating that (1) customer satisfaction is negatively related to switching intention, and (2) The online information factor further strengthens the relationship between customer satisfaction and switching intention. The findings of this study provide a unified understanding of the structural relationships that contribute to increased green switching intention to the development of disconfirmation theories in the higher-education context. Implementing a green campus within Universitas Negeri Semarang, campus communities are encouraged to switch to environmentally friendly products to support green campus policies.

Can Green Market Orientation Improve MSME Marketing Performance Through Organizational Ambidexterity? Bogy Febriatmoko; Widya Prananta; Angga Pandu Wijaya
JURNAL DINAMIKA MANAJEMEN DAN BISNIS Vol 6 No 2 (2023): Jurnal Dinamika Manajemen dan Bisnis
Publisher : LPPM Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JDMB.06.2.7

There are environmental issues in many nations, including Indonesia. The preservation of the environment must continue to be the focus of sustainable national development. Small, micro, and medium-sized enterprises (MSMEs) are among the commercial entities that play a significant role in national growth. This study's main objective is to ascertain how innovation capacity and a green market orientation affect MSMEs' marketing success. 117 MSMEs in the city of Semarang make up the study's sample. The process involves using Smart PLS to analyze both the outer and inner models together with any intervening factors. Organizational Ambidexterity, Green Market Orientation, Innovation Capability, and Marketing Performance are the variables used in this study. The findings of this study indicate that Organizational Ambidexterity, Green Market Orientation, and Innovation Capability are all variables that have an impact on Marketing Performance. Organizational Ambidexterity also has an impact on Marketing Performance to a lesser extent. Then simultaneously show that Green Market Orientation and Innovation capability affect Marketing Performance through Organizational Ambidexterity. Only Innovation Capability on Marketing Performance has no effect. The novelty in this study is an environmental issue that is associated with marketing performance.

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