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ANALISIS PERBEDAAN KINERJA UMKM SEBELUM DAN SESUDAH PEMBERIAN KREDIT PROGRAM KEMITRAAN (Studi Pada Mitra Binaan PT Telekomunikasi Indonesia, Tbk Sub Area Malang) Indrasta, Gilang Wahyu
Jurnal Ilmiah Mahasiswa FEB Vol. 4 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This study aims to analyze the impact of the credit partnership programs on the performance of Micro, Small and Medium Enterprises (MSMEs) partners of PT. Telkom Malang Area. This study analyzes the performance of financial and non- financial SMEs between before and after receiving credit partnership program. The research method of this study is a quantitative study method using paired t-test and ratio analysis. Secondary data are used and collected using the documentation of SMEs financial statements. The results show that the credit partnership programs have no impact on SMEs financial performance, but the credit programs can improve non-financial performances. The results of paired t-test and analysis of the financial performance ratios show that credit partnership programs can improve the turnover of SMEs, but does not have an impact on Net Profit Margin (NPM) and Return on Assets (ROA). Non-financial performances show an increase in growth in the numbers of costumers.Keywords: credit partnership program, turnover, NPM, ROA, customer growth
PENGARUH MARKET SENSING CAPABILITY, BRAND IMAGE, DAN KNOWLEDGE SHARING YANG DIMEDIASI OLEH INNOVATION TERHADAP MARKETING PERFORMANCE Nofriyan, Rofi’i; Yusuf, Akhmad Syahroni; Indrasta, Gilang Wahyu; Damayanti, Nur
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 2 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i2.12878

Abstract

This research investigates the factors influencing the performance and sales of insurance products at PT TASPEN (Persero) and its subsidiary, Taspen Life. The research findings highlight several key aspects. First, the market sensing capability, or the company's ability to understand the market, has a significant impact on marketing performance. Second, marketing insurance products faces challenges, such as declining premium revenue and low achievement of marketing Key Performance Indicators (KPIs). Third, innovation in marketing is key to attracting more customers and competing in an increasingly competitive market. Companies need to consider more innovative marketing strategies and unique products. Lastly, the research reveals the complexity of the relationships among the variables under study. Therefore, companies can conduct specialized marketing campaigns to improve brand image, provide knowledge sharing about marketing, consider innovation in marketing strategies, and continue research to better understand the factors influencing marketing performance. For future research, it is essential to consider elements such as risk management, pricing strategies, and external factors affecting the life insurance market. Integrating these suggestions into future research is expected to provide deeper and more valuable insights for developing more effective marketing strategies across various branches of PT TASPEN (Persero).