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Analisis Kredit Bermasalah pada Mandala Multifinance Tbk Karawang Silvia Indriyani; Sihabudin; Robby Fauji
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 9 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i9.2490

Abstract

Mandala Multifinance Tbk Karawang is a leasing company that helps customers in obtaining financing for capital needs. Therefore, any distribution of credit should be well monitored by the management of the company so that the credit is not abused. The study aims to analyze problematic credit and find out the application of the 5C principle in the granting of credit that affects the level of NPL (Non Performing Loan) on the Mandala Multifinance Tbk Karawang. The method applied uses qualitative data with a triangulation approach, which includes the collection of primary data through observations, interviews, and documentation. The Non-Performing Loan (NPL) financial ratio is used as a tool for analyzing data. The results of the research show that the application of the 5C principle in the distribution of credit in Mandala Multifinance Tbk Karawang is still ineffective because there are shortcomings in the analysis process carried out. The conclusion of this study is that the highest NPL ratio in 2021 is 4.35, while the lowest in 2020 is 3.32. The average NPL for the three years 2020-2022 was 3.74, marking a healthy category.
Pengaruh Pengetahuan Investasi, Persepsi Return dan Persepsi Risiko Terhadap Minat Berinvestasi di Platform Bibit: Studi pada Mahasiswa UBP Karawang Yuniar Maulidya; Sihabudin; Robby Fauji
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 9 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i9.2506

Abstract

This research aims to find out the influence of investment knowledge, perception of return and risk perception on the investment interest of students of Buana University of Karawang Struggle in the Plant Platform partially and simultaneously. The population includes the entire UBP Karawang student recorded on the 2023 forlap with a sample of 100 respondents, and the sample is calculated using the Slovin formula. Purposive sampling is used as a sampling technique. The Likert scale is used as a measurement scale on questionnaires in data collection. For instrument analysis, validity and reliability tests are used. The data analysis method applied is the double regression analysis, which is supported by the classical assumption test as well as the hypothesis test of the t test, the f test and the R2 test using the SPSS 26 program. This research results in whether investment knowledge, perception of return and risk perception significantly influence the investment interest of UBP Karawang students in the Bibit platform partially and simultaneously. Three free variables in this study influenced the interest of UBP Karawang students in investing in Bibit platforms (only 55,%) that means, many other free variable that can affect the interest investing UBP karawang students on Bibit Platform.
Analisis Break Even Point dan Margin Of Safety Sebagai Salah Satu Alat Perencanaan Laba pada Koffie 09 Salma Benisha Amanda; Sihabudin; Robby Fauji
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 9 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i9.2508

Abstract

Profit planning is an important aspect for companies because it allows them to set profit targets to achieve in a certain period. This research aims to investigate the profit planning process, break-even point (BEP), and margin of safety (MOS) at Koffie 09 Karawang. The research method used is a descriptive approach with a quantitative approach. The data used is quantitative data from primary and secondary sources. Data collection techniques involve interviews and documentation. The results of this calculation provide an overview of the minimum sales point that needs to be achieved so that the company does not lose money, as well as providing guidance on the level of sales needed to achieve the set profit target. The findings from this research show that there are variations in achieving the breakeven point each year. In 2020 it was IDR. 575,942,010 or 30,989 Units. In 2021 it is IDR. 575,942,010 or 30,989 Units. In 2022 it will be IDR. 932,318,143 or 45,456 Units. Showing the safety of sales levels, 2020 has a margin of safety of 10%. In 2021 there is a margin of safety of 10%. In 2022 it has a margin of safety of 10%. Koffie 09 must sell 17,997 units or sales of IDR. 1,654,500,000 To achieve the profit planning goal in 2023, adjustments need to be made to the sales revenue target so that it does not cause losses for the company, which is 43.64% or IDR 722,181,857. It is hoped that the results of this research can help companies carry out optimal profit planning through BEP and MOS calculations.
Pengaruh Sikap Keuangan, Kontrol Diri dan Self Reward Terhadap Pengelolaan Keuangan pada Generasi Z di Kecamatan Telukjambe Barat Maya Komala; Sihabudin; Robby Fauji
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i7.2519

Abstract

This research aims to determine the effect of financial attitude variables, self-control and self-reward on financial management. Furthermore, this research also aims to identify the factors that have the greatest effect on financial management. This study used a verifiative descriptive method. The sampling technique is purposive sampling and uses the Slovin formula. The study was conducted using a Likert scale questionnaire distributed via Google Form to 100 Generation Z respondents in West Telukjambe District. Data analysis techniques use path analysis and simultaneous and partial hypothesis testing. The results of this study showed a positive correlation between variables X1 and X2, X1 and X3, and X2 and X3. Partially, financial attitudes have a positive and significant influence on financial management. Self-control has a positive and partially significant effect on financial management, while self-reward has a partial negative and significant effect on financial management. Then, variables such as financial attitude, self-control and self-reward also has a significant simultaneously on financial management.
Analisis Laporan Keuangan untuk Menilai Kinerja Keuangan Perusahaan Tahun 2018 – 2024 Maulidia, Sarah; Sihabudin; Robby Fauji
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 10 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i10.2554

Abstract

This research on plans to take a gander at monetary reports with respect to the improvement of exhibition of agribusiness organizations recorded on the Indonesia Stock Trade throughout recent years from 2018 to 2022 utilizing Current Ratio (CR), Quick Ratio (CR), Debt to Assets Ratio (DAR), Debt to Equity Ratio (DER) Net Profit Margin (NPM), Return On Assets (ROA),, Return On Equity (ROE), Total Assets Turnover (TATO) Fixed Assets Turnover (FATO),. Overall, the research reveals that agricultural companies listed on the Indonesia Stock Exchange have varying financial ratios, with some having very high ratios and others having very low ratios.
Strategi Content Marketing pada Media Sosial Instagram Sebagai Strategi Pemasaran Digital Centro Barbershop Ibnu Hiban Farras; Sihabudin; Robby Fauji
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 9 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i9.2595

Abstract

This research was conducted because of increasing competition in marketing, especially related to the use of marketing content on Instagram. The purpose of this research is to understand the content marketing strategy used by Centro Barbershop to increase sales and face business competition. The research method used is qualitative, with primary data collection through interviews and direct observation with the Centro Barbershop owner, Centro Barbershop marketer management and Centro Barbershop consumers as well as collecting secondary data from journal articles and library studies. The data collected was analyzed using content analysis. The research results show that Centro Barbershop implements a content marketing strategy through four channels of attention (attention), interest (interest), desire (desire) and action. As a recommendation, it is recommended that centro barbershop adopt a marketing content strategy that involves attractive visuals, unique stories, customer reviews, and clear actions to stimulate audience interest and desire and encourage them to try barbering services and make further purchases or interactions.
Analisis Break Even Point dan Margin Of Safety Sebagai Alat Perencanaan Laba pada UMKM Bakmie Sultan Karawang Oktavia, Dewi; Sihabudin; Robby Fauji
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i7.2616

Abstract

In principle, the main goal of every company is to achieve optimal profits for its owners. To be able to compete effectively with other companies, companies need to improve their operational performance more efficiently and effectively. Bakmie Sultan Karawang, a developing MSME business, still does not have accurate information regarding the profits generated from minimum sales of their noodles. This research aims to explore the role of Break Even Point (BEP) analysis in planning and increasing company profits. This research method uses a quantitative descriptive approach by applying BEP and Margin of Safety analysis techniques. The results of the break even point analysis show that the total business BEP reached Rp. 94,267,790.38, with details for each product Bakmie Komplit, Bakmie Bakso, Bakmie Pangsit, Bakmie Manis, and Bakmie Regular. Msargin of Safety (MOS) reached 93.03%, equivalent to Rp. 1,258,132,209.62, gives an idea of how much of a decline in sales can be handled without incurring a loss or breaking even. The estimated profit target for 2024 is 30%, or Rp. 177,263,404,629, which is a guide for the company in achieving the expected profit. Recommendations are provided so that companies can optimize BEP strategies to maintain sales above the break-even point and reduce potential losses. It is hoped that the results of this research will provide support for companies in designing optimal profit plans through BEP and MOS analysis.
Analisis Kinerja Keuangan pada Koperasi Usaha Warga Pupuk Kujang Periode 2018-2022 Karismawati, Dwi Yunita; Sihabudin; Robby Fauji
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i7.2618

Abstract

This research analyzes the financial performance of the Koperasi Usaha Warga Pupuk Kujang Cikampek during 2018–2022, focusing on financial ratios such as liquidity, solvency, profitability, and activity. Using a quantitative descriptive approach, the study employs annual financial data to identify trends and factors influencing performance. Findings reveal significant fluctuations in the cooperative's financial ratios over the examined period. While liquidity ratios fluctuate, solvency ratios show improvement over time, indicating efficient debt management and asset utilization. However, profitability ratios exhibit a declining trend, emphasizing the need for measures to enhance revenue generation and cost management. Meanwhile, activity ratios depict gradual improvement, indicating enhanced operational efficiency. The implications suggest the importance of careful monitoring, risk management, and strategic initiatives to ensure sustainable growth and financial stability for Koperasi Usaha Warga Pupuk Kujang Cikampek.
Pengaruh Biaya Produksi dan Biaya Promosi Terhadap Laba Bersih pada UMKM Teh Tarik Armanda Livia Saputri; Sihabudin; Robby Fauji
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 9 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i9.2626

Abstract

The aim of this research is to determine the partial and simultaneous influence of production cost variables and promotional costs on the net profit of Teh Tarik Armanda MSMEs. The sampling strategy for this research combines a quantitative approach with descriptive verification techniques using purposive sampling techniques. For the 24 month period between 2022 and 2023, data on production costs, promotional costs and net profit are used in this research. Multiple linear regression analysis was used to evaluate the data, accompanied by simultaneous and partial hypothesis testing. Based on the research results, Teh Tarik Armanda's net profit is significantly influenced by the production cost variable of 0.000<0.05, but not significantly by the promotion cost variable of 0.092>0.05. In addition, Teh Tarik Armanda was simultaneously significantly impacted by both production costs and promotion costs (0.000<0.005).
Pengaruh Biaya Produksi dan Biaya Penjualan Terhadap Laba pada UMKM Konveksi “Ade Jahit” di Desa Anggadita Elvina Dwitianti; Sihabudin; Robby Fauji
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 9 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i9.2628

Abstract

The purpose of this study is to strengthen the relationship between production and sales costs and profits at the "ade sewing" MSME convection. One of the businesses that provides clothing production services is the "ade sewing" convection which is located in Anggadita village, Kec. Explain. Hypothesis testing The t test, F, and coefficient of determination (R2) coefficient of determination (R2), t test, and F test are three multiple linear regression analysis instruments used in the quantitative descriptive method of this research. This research focuses on MSMEs that use "ade sewing" convection. The results of the research show that in convective "sewing" MSMEs, production costs have a significant effect on income as indicated by a t test value of 3.257 > t 1.997 and a significance level of 0.004 < 0.005. At the significance threshold of 0.001 < 0.005, sales costs have quite a large influence on profits, this is indicated by the t test findings of 4.054 > 1.977 t. With a determined f value of 34.826 > 3.13 and a significance level of 0.000 < 0.005, production and sales costs have a fairly large influence on profitability.