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DETERMINAN KREDIT BERMASALAH PERBANKAN SEKTOR KREDIT UMKM (PENDEKATAN AUTOREGRESIF) Amlys Syahputra Silalahi; Aryanti Sariartha Sianipar
UNEJ e-Proceeding 2018: Prosiding Seminar Nasional Manajemen dan Bisnis III (SNMB3)
Publisher : UPT Penerbitan Universitas Jember

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Abstract

AbstrakPenelitian ini bertujuan untuk menguji variabel determinan kredit bermasalah (NPL) perbankanpada sektor kredit UMKM. Variabel yang digunakan adalah variabel NPL itu sendiri dan fasilitaskelonggaran tarik kredit (undisbursed loan). Pendekatan yang digunakan adalah pendekatankuantitatif dengan model autoregresif. Model yang digunakan untuk menguji determinan NPL adalahVector Autoregression (VAR). Data variabel penelitian adalah sata sekunder dengan periode bulanandari Januari 2007 hingga Desember 2017. Sampel penelitian adalah bank yang menyalurkan kredit kesektor UMKM dan sumber data diperoleh dari laporan Bank Indonesia di Statistik PerkembanganKredit UMKM. Berdasarkan estimasi model VAR diperoleh bahwa variabel yang signifikanmempengaruhi NPL adalah fasilitas kelonggaran tarik kredit pada periode lag 3. Analisis jugamenemukan bahwa NPL bereaksi fluktuatif pada perubahan nilai kelonggaran tarik hingga 12 bulanperiode. Analisis dekomposisi varians menemukan bahwa variabel yang terbesar memberikankontribusi bagi fluktuasi nilai NPL adalah shock pada NPL itu sendiri. Penemuan hasil iniberimplikasi pada semakin tinggi fasilitas undisbursed loan sebagai representasi dari kondisiekonomi yang tidak baik akan semakin meningkatkan NPL bank. Sebelum bank memberikanpinjaman perlu memperhatikan kondisi ekonomi tiga bulan sebelumnya.Kata Kunci: Autoregresif, kredit bermasalah, kelonggaran tarik, UMKM, VAR.
Increasing Product Distribution Capacity and Financial Management Of “Kampung” Chicken Egg Business at Lau Dendang Traditional Chicken Farm Aryanti Sariartha Sianipar; Adika Fajar Putra; Fauziah Kumalasari
ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 1 (2022): ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1623.138 KB) | DOI: 10.32734/abdimastalenta.v7i1.7735

Abstract

There are several types of chicken farms with various production models. In the production process, partners start by purchasing chicken seeds and providing vitamins and then raising them by providing natural animal feed in the form of vegetables and fruits from traditional markets, so they do not use manufactured animal feed such as pellets and the like. Then, the enlargement process takes 3-5 months. In the husbandry principle, partners use the cage-free principle. However, in the production process, partners still use natural equipment due to limited capital. In addition, partners' knowledge of product marketing management is still minimal, even though the concept of organic production can be a potential brand that differentiates compared to competing products. On the financial management side, the business still combines personal and business finances, there is no clear cash flow report periodically. This causes the business to have no clear profit/loss and relatively slow to develop. Through this program, the implementation team offered solutions in the form of providing machines to facilitate the distribution of goods and increase the capacity of livestock land, providing branding concepts through brands and counseling on simple business financial management principles. The targeted outputs are increased egg production capacity, reduced feed distribution and transportation costs, added value in the form of brands, and simple business financial reports.
Analysis of Green Banking Sustainability And Financial Performance Implementation Towards Profitability of Banking Listed On The Indonesia Stock Exchange In 2012-2018 Christy Siahaan; Amlys Syahputra Silalahi; Syahyunan Syahyunan; Aryanti Sariartha Sianipar
Journal Of Management Analytical and Solution (JoMAS) Vol. 1 No. 1 (2021): Journal Of Management Analytical and Solution
Publisher : TALENTA Publisher, Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jomas.v1i1.5240

Abstract

This study aims to determine the impact of green banking and financial performance on bank profitability. Green banking in this study is divided into two dimensions, namely, non-cash transactions (e-banking) and green banking policies. The financial performance in this study is the size of the bank, capital adequacy, non-performing loans, bank efficiency and bank liquidity level. The population in this study was 43 banking sector companies listed on the Indonesia Stock Exchange for the 2012-2018 period. The samples in this study were 9 selected banks using the purposive sampling method.  The analysis method in this study is panel data regression analysis. The results show that Non-Cash Transactions, Capital Adequacy, Non-Performing Loans and Liquidity Levels of banks each have a negative and insignificant effect on the bank's profitability. Green banking policy has a positive and insignificant effect. Bank Size and Bank Efficiency each negatively and significantly affect the bank's profitability.
PENINGKATAN DAYA SAING USAHA JASA PENYEDIA MAKANAN DAN MINUMAN DENGAN PENDEKATAN MANAJEMEN DI MOTHERLAND COFFEE Amlys Syahputra Silalahi; Rina Bukit; Doli Muhammad Ja’Far Dalimunthe; Aryanti Sariartha Sianipar; Ance Marintan Sitohang
ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat Vol. 4 No. 1 (2019): ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (982.523 KB) | DOI: 10.32734/abdimastalenta.v4i1.2394

Abstract

Motherland Coffee merupakan salah satu merek kopi gerobak pada awal pendiriannya, namun pemilik usaha kafe ini menemukan rekan usaha yang memberikannya lokasi untuk dikelola sesuai merk kafe yang pernah berkembang. Pengelola terdiri dari lima orang dengan konsep kerja paruh waktu dan pembagian tugas secara merata. Secara manajemen usaha kafe belum memiliki pembagian kerja berdasarkan konsep Manajemen yang memadai. Pembagian kerja bukan pada basis spesialisasi dan berbasis kebersamaan. Pada aspek SDM personil yang mengelola belum memiliki standar spesifikasi jabatan dan deskripsi pekerjaan. Pada aspek keuangan, penjualan dicatat secara harian dengan menggunakan aplikasi “QASIR” yang menampilkan statistik produk terjual dan nilai transaksi. Namun, pencatatan laporan keuangan seperti neraca, laba rugi, dan arus kas belum diterapkan. Untuk meningkatkan ekspansi operasional, maka diperlukan konsep usaha yang matang agar dapat mencari sumber pendanaan baik dari investor maupun perbankan.Solusi yang ditawarkan untuk permasalahan organisasi antara lain dengan pendekatan Manajemen Fayol yakni merumuskan struktur organisasi, deskripsi pekerjaan, spesifikasi jabatan. Pada aspek pemasaran adalah dengan merumuskan teknik promosi pemasaran digital. Secara manajamen keuangan solusi yang ditawarkan adalah dengan pencatatan transaksi untuk laporan keuangan, dan business plan sebagai alat untuk mendapatkan sumber modal bagi ekspansi operasional usaha.
Development Of Creative Industry Eco-Print As an Effort to Improving The Quality and Productivity Business Business Hand Craft Shans's Craft in Medan Doli Muhammad Jafar Dalimunthe; Adika Fajar Putra; Arif Qaedi Hutagalung; Aryanti Sariartha Sianipar
ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 2 (2022): ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/abdimastalenta.v7i2.7745

Abstract

With creativity, items that have no value and are often considered trash can be turned into a product with high economic value, for example leaves. Shanti Permatasari as a creative industry player for home handicrafts created by Shan's Craft uses leaves as raw materials to make various products using the Eco-print technique. Eco-print is a method of coloring and printing natural motifs on fabrics that utilizes leaves or flowers that grow in the yard as a substitute for chemical liquids and is also environmentally friendly. Coloring using natural elements will not cause environmental damage. The development of creative industries is needed to foster community creativity, especially during the current Covid-19 pandemic. Creative industries in the form of handicrafts get enough attention, especially as souvenirs and souvenirs. With the existing potential, the production of the Shan's Craft creation house in the form of handicrafts using the Eco-print technique needs to be supported to increase production and marketing more seriously. Although this business has promising opportunities, there are obstacles in the production process due to the limited space of the workshop which limits the space for movement, production, and even for displaying product displays. In terms of financial management, businesses still combine personal finance and business finance, there is no clear cash flow report on a regular basis. This causes the business to have no clear advantages/disadvantages and is relatively slow to develop. Through this service program, the implementation team offers solutions in the form of expansion and construction of product display rooms for promotional needs, creation of online media accounts as a means of digital promotion, and financial management training and simple bookkeeping of financial statements. The targeted outputs are increased production and sales of eco-print batik, maximum utilization of product display space in reaching the target market, and expanding the market through the use of online media such as social media and e-commerce.
The Impact of Corporate Social Responsibility Practices through Supply Chain Management on Company Risk in Indonesia Syahputra Silalahi, Amlys; Dalimunthe, Doli Muhammad Jafar; Sariartha Sianipar, Aryanti; Saputra, Jumadil
International Journal of Supply Chain Management Vol 9, No 5 (2020): International Journal of Supply Chain Management (IJSCM)
Publisher : ExcelingTech

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59160/ijscm.v9i5.5527

Abstract

This study aims to examine the impact of the supply chain strategies on company risk in the emerging market, Indonesia. The samples of this study are companies listed in Indonesia Stock Exchange in 2018. According to the sampling procedure, there were 458 companies that employed corporate social responsibility during this period. The corporate social responsibility score were obtained from the content and risk analysis represented by the market-based risk such as systematic risk, idiosyncratic risk, and total risk. The findings from the data analysis show that there was no CSR significant impact on company's idiosyncratic and systematic risk. However, it has a weak negative impact on total risk. The CSR dimensions that affect company risk are supply chain partnerships and tax contributions. The supply chain partnerships are negatively associated with company's systematic and idiosyncratic risk. This finding was also consistent after adding the control variables. On the contrary, tax contributions are positively associated with higher systematic and idiosyncratic risk to the company.