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All Journal Register: Jurnal Ilmiah Teknologi Sistem Informasi Kajian Akuntansi Jurnal Akuntansi EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Jurnal BILAL: Bisnis Ekonomi Halal Jurnal Ilmiah MADIYA: Masyarakat Mandiri Berkarya Majalah Iptek Politeknik Negeri Medan Polimedia Jurnal Budgeting Kapuas Proceeding of International Conference on Multidisciplinary Research
Asmalidar Asmalidar
Politeknik Negeri Medan
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Journal : jurnal budgeting

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ANALISIS PROSEDUR PEMBERIAN KREDIT PADA PT PERMODALAN NASIONAL MADANI (PNM) ULAMM (UNIT LAYANAN MODAL MIKRO) PULO BRAYAN MEDAN Sunarto, Hawa Aplinda; Asmalidar
Jurnal Budgeting Vol. 4 No. 2 (2023): Edisi November
Publisher : Politeknik Negeri Medan

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This final report is about "Analysis of Credit Provisioning Procedures at PT Permodalalan Nasional Madani (PNM) ULaMM (Unit Layanan Modal Mikro) Pulo Brayan Medan. The purpose of this study was to determine the procedure for granting credit at PT Permodalan Nasional Madani (PNM) ULaMM (Unit Layanan Modal Mikro) Pulo Brayan Medan. Methods of data collection by interviews, observation and literature study. Then the data is compared with the existing theory. The results of this study indicate that the procedure for granting credit at PT Permodalan Nasional Madani (PNM) Micro Capital Service Unit (ULaMM) Pulo Brayan Medan consists of 15 stages, namely submission of documents, investigation of loan documents, 1st interview, on the spot, track checking, bi checking, taking photos of activities and place of business, place of guarantee and customer's residence, entering the results of interviews with customers into proposals, reviewing with committees, 2nd interview, 3rd interview, credit decision, signing of credit agreement, realization of credit, and channeling or withdrawing funds, while the procedure for extending credit according to theory only consists of 9 stages.
PENGARUH DEBT TO EQUITY RATIO (DER), EARNING PER SHARE (EPS), DAN RETURN ON ASSET (ROA) TERHADAP HARGA SAHAM PT BANK CENTRAL ASIA TBK Riva Miranda Putri; Asmalidar
Jurnal Budgeting Vol. 5 No. 1 (2024): Edisi Mei
Publisher : Politeknik Negeri Medan

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This research is entitled the effect of Debt to Equity Ratio (DER), Earning Per Share (EPS), and Return On Assets (ROA) on the stock price of PT Bank Central Asia Tbk for the 2019-2023 period. The aim of this research is to find out whether these variables have an effect on stock price. The data used is secondary data obtained from financial reports of PT Bank Central Asia Tbk for 2019-2023. This research uses quantitative methods by carrying out several data processes, namely multiple linear abalysis tests, coefficient of determination, t test, and f test. The result obtained state that Debt to Equity Ratio (DER), Earning Per Share (EPS), and Return On Assets (ROA) do not significantly influence stock price either partially or simultaneously.
PENGARUH PENGGUNAAN BRAND AMBASSADOR IDOL K-POP (EXO) TERHADAP KEPUTUSAN PEMBELIAN PRODUK SCARLETT WHITENING Wicaksana, Julio; Asmalidar
Jurnal Budgeting Vol. 5 No. 2 (2024): Edisi November
Publisher : Politeknik Negeri Medan

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This research aims to determine the influence of using the K-Pop Idol (EXO) brand ambassador on purchasing decisions for Scarlett Whitening products. The type of data in this research is quantitative data using a Likert scale. The data collection technique used a questionnaire distributed to 86 finance and banking students majoring in accounting at Medan State Polytechnic who had used Scarlett products. The data analysis technique uses hypothesis testing, correlation coefficient, coefficient of determination, and simple linear regression analysis, which was processed with the help of SPSS 27. This research found that using EXO as a brand ambassador positively impacted purchasing decisions for Scarlett Whitening products, with an influence of 15.5%. The remaining 84.5% is explained by other variables not studied. The results of the simple linear regression analysis show that every time a brand ambassador experiences an increase of 1%, purchasing decisions will also increase by 0.254.
PROSEDUR PEMBERIAN KREDIT PEMILIKAN RUMAH (KPR) DI PT BANK TABUNGAN NEGARA (PERSERO) TBK KANTOR CABANG PEMBANTU MEDAN JOHOR Gunawan, Sarah Angelica; Asmalidar
Jurnal Budgeting Vol. 5 No. 2 (2024): Edisi November
Publisher : Politeknik Negeri Medan

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This research is entitled "Procedure for Providing Home Ownership Credit (KPR) at PT Bank Tabungan Negara (Persero) Tbk Medan Johor Sub-Branch Office." The aim of this research is to find out the procedure for granting subsidized home ownership credit and to find out whether the procedure for granting Home Ownership Credit (KPR) at PT Bank Tabungan Negara (Persero) Tbk Medan Johor Sub-Branch Office is in accordance with Kasmir theory (2014). Data collection techniques were carried out by interviews. The data processing method used is a descriptive method which is then compared with existing theory. The research results show that the procedure for granting Home Ownership Credit at PT Bank Tabungan Negara (Persero) Tbk Medan Johor Sub-Branch Office is not in accordance with the Kasmir theory.
Co-Authors Anriza Witi Nasution Asriyati Enny S. Barus Enny Segarahati Barus Gunawan, Sarah Angelica Hassan, Rahayu Lubis, Anggi Adelia Firdaus Marlya Fatira AK Nurlinda Nurlinda Nurlinda Nurlinda Nurlinda, Nurlinda Rasida Zahara Rehulina Bangun Rina Walmiaty Mardi RINI INDAHWATI riswanto riswanto Riva Miranda Putri Safrida, Eli Sebayang Rihat Sinuraya, Junus Siregar, Indra Sunarto, Hawa Aplinda Supriyanto Supriyanto Surbakti, Benar Susilawati Susilawati Susilawati Susilawaty, Susilawaty Ulya Syafrina Saragih Viana Fadhila Wicaksana, Julio Zuhirsyan, Muhammad