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ANALISIS PENANGANAN KREDIT BERMASALAH (NON PERFORMING LOAN) PADA PERUMDA BPR BANK GRESIK Bilqis Tahta Maulida; Anita Handayani
Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce Vol. 1 No. 4 (2022): Desember : Digital Bisnis : Jurnal Publikasi Ilmu Manajemen dan E-Commerce
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1226.585 KB) | DOI: 10.30640/digital.v1i4.564

Abstract

This study aims to determine the handling of non-performing loans at the Perumda BPR Bank Gresik BPR. The reason for the research was to find out the number of non-performing loans that occurred in the Perumda BPR Bank Gresik over the last 5 years. The research uses descriptive research using a qualitative approach. The results of this study stated that there are many factors that cause non-performing loans such as internal bank factors, internal debtor factors and external factors of banks and debtors. The handling of non-performing loans is carried out by the Perumda BPR Bank Gresik with a process of rescheduling, requisition and realignment and is carried out by confiscating platforms from problem debtors.
ANALISIS PENDAPATAN PG.XYZ DI JAWA TIMUR Mohammad Ali Masruri; Anita Handayani
Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce Vol. 2 No. 1 (2023): Maret : Digital Bisnis : Jurnal Publikasi Ilmu Manajemen dan E-Commerce
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (104.79 KB) | DOI: 10.30640/digital.v2i1.618

Abstract

This study purpose to know the company’s income PG. XYZ East Java company. Income analysis is used to know whether the business development is increasing or decreasing. Considering the income earned affects to the survival of the company. The type of research used is descriptive qualitative research. Data analysis method is used quantitative methods, namely descriptive analysis. The evaluation results show that the average net income earned by the East Java PG.XYZ sugar business is IDR 362,862,000/year or IDR. 30,238,500/month and the sugar business run by PG. XYZ East Java is profitable. It can be seen from the acquisition of a ratio analysis of more than 1, namely 1.21. Therefore, it is hoped that PG. XYZ East Java will continue to develop its sugar business and increase sales volume so that its income will also increase.
Faktor Yang Mempengaruhi Pendapatan Petani Tambak Ikan Di Desa Banjarsari Kecamatan Cerme Kabupaten Gresik Aisyatu Rahma Hayati; Anita Handayani
Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce Vol. 2 No. 3 (2023): September : Digital Bisnis : Jurnal Publikasi Ilmu Manajemen dan E-Commerce
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/digital.v2i3.1627

Abstract

This research aims to identify factors that influence the income of fish pond farmers in Banjarsari Village, Cerme District. This research is a quantitative research involving a sample of 203 fish pond farmers from Banjarsari Village. The analysis technique used is multiple linear regression analysis technique. The results of the regression analysis show that the most influential variables in this research are work experience and land area, both of which have a positive and significant influence on farmer income. Meanwhile, the labor and selling price variables, although they have a positive influence, do not have a significant influence in this research.
ANALISIS BIAYA DI KANTOR GUDANG HASIL PT. XYZ Bagas Agung Prasetyo; Anita Handayani
Journal of Management and Creative Business Vol. 1 No. 1 (2023): January: Journal of Management and Creative Business
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (88.863 KB) | DOI: 10.30640/jmcbus.v1i1.566

Abstract

Penelitian ini bertujuan untuk mengetahui kenapa biaya upah manolan menjadi biaya yang paling besar dan paling memberatkan pada Kantor Gudang Hasil PT. XYZ. Jenis penelitian yang digunakan adalah penelitian kualitatif deskriptif. Teknik penelitian yang digunakan adalah identifikasi langsung dan informasi langsung dari kepala Gudang hasil. Teknik analisis data yang digunakan adalah teknik analisis data kualitatif Miles dan Huberman. Hal ini terlihat dari hasil penelitian pembayaran upah manol sudah baik dan memiliki batas minimum perhari (UMK). Namun masih terdapat beberapa kekurangan atau kelemahan dimana ketika dalam satu hari upah tidak mencapai batas minimum (UMK) maka perusahaan harus mengeluarkan biaya lebih untuk menutup biaya tersebut. Biaya yang dikeluarkan cukup besar yaitu Rp 40.000.000 – Rp 50.000.000 setiap bulannya informasi dari kepala Gudang Hasil PT. XYZ.
Marketing Analysis of Rahn Products Through The Implementation Of Shariah Values In Increasing Customer Trust Agatha, Talitha Hardiyan; Handayani, Anita
BIMA Journal (Business, Management, & Accounting Journal) Vol. 5 No. 2 (2024)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.5.2.277-283

Abstract

Purpose: This qualitative case study investigates the impact of sharia-based marketing strategies on customer trust in Rahn pawn products at Pegadaian Syariah in Gresik, Indonesia. Methodology: Employing purposive sampling, data were gathered through in-depth interviews, participant observations, and document analysis involving five staff members and eight customers. Findings and Results: Thematic analysis revealed that the application of sharia values—particularly transparency, justice, and ethical service—significantly enhances customer trust and loyalty. Transparency and continuous customer education were identified as the most influential factors, particularly among first-time users. While findings indicate a strong alignment between ethical marketing and customer confidence, the study is limited by its local scope and relatively small sample size. Novelty: Future research should explore comparative analyses across regions or institutions. Originality: This paper contributes to the growing literature on Islamic financial marketing by offering localized insights. Conclussions : underscores the need for tailored, value-based marketing strategies in enhancing engagement with Islamic pawnshop services. Type of Paper : Research Paper
The Effect of Product Quality, Electronic Word of Mouth and Promotion on Somethinc Skincare Purchase Decisions Utami, Wahyu Putri; Handayani, Anita
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 1 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i1.472

Abstract

The objective of this research is to analyze the partial and simultaneous effects of Product Quality, Electronic Word of Mouth (eWOM), and Promotion on the purchase decision for Somethinc products. The population in this study consists of all consumers who have used Somethinc products at least once in the Gresik region. The research employs primary data with a sample size of 160 respondents, using accidental sampling as the sampling technique. The analyses conducted include validity tests, reliability tests, normality tests, multicollinearity tests, heteroskedasticity tests, multiple linear regression, F-tests, t-tests, and coefficient of determination tests. The study concludes that Product Quality, Electronic Word of Mouth, and Promotion have a positive and significant partial effect on the purchase decision.
Prediksi Financial Distress pada Sektor Perbankan dengan Menggunakan Metode Altman Z-Score, Grover, Springate dan Zmijewski Mufidah, Khazimatul; Handayani, Anita
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 5 No. 6 (2024): Jurnal Ekonomi Manajemen Sistem Informasi (Juli - Agustus 2024)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v5i6.2479

Abstract

Penelitian ini bertujuan menganalisis kondisi financial distress pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia selama periode 2020-2022 menggunakan model Altman Z-Score, Grover, Springate, dan Zmijewski. Penelitian ini menggunakan metode kuantitatif dengan data sekunder dari laporan keuangan tahunan, serta teknik dokumentasi dalam pengumpulan data. Variabel penelitian meliputi variabel independen (X) yang menggunakan model prediksi financial distress dan variabel dependen (Y) yaitu kondisi financial distress perusahaan. Hasil penelitian menunjukkan bahwa model Grover memiliki tingkat akurasi tertinggi sebesar 100%, diikuti oleh model Springate dengan akurasi 64%, model Altman dengan akurasi 60%, dan model Zmijewski dengan akurasi 52%. Model Grover terbukti paling efektif dalam memprediksi financial distress pada perusahaan perbankan di Indonesia selama periode penelitian. Kesimpulan dari penelitian ini adalah terdapat perbedaan hasil prediksi financial distress pada masing-masing model. Model Grover paling akurat dalam memprediksi financial distress, sehingga dapat digunakan sebagai acuan bagi manajemen perusahaan dalam pengambilan keputusan dan manajemen risiko. Rekomendasi untuk peneliti selanjutnya adalah meningkatkan jumlah sampel perusahaan, memperpanjang periode penelitian, dan melakukan analisis lebih komprehensif antara rasio keuangan model Altman, Grover, Springate, dan Zmijewski dengan alat pengukuran prediksi financial distress lainnya.
DETERMINANTS OF FINANCIAL BEHAVIOR OF SMES IN GRESIK CITY WITH STRUCTURAL EQUATION MODEL (SEM) Handayani, Anita
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.318

Abstract

Small and Medium Enterprises (SMEs) are business activities or businesses that can be done by everyone, as long as the person can manage and develop the business. SMEs also have a role in economic independence, which in turn can lead to national independence. SMEs in running their business will be pursued is related to revenue and profit. The purpose of this study is to analyze the direct effect of education level on the financial behavior of SMEs in Gresik, and the indirect effect with financial literacy as an intervening variable. The results showed that the level of education affects financial literacy and financial behavior, financial literacy affects financial behavior, while for the indirect effect, financial literacy can be a mediating variable for the level of education on financial behavior
ACCOUNTABILITY OF THE MARRIAGE MANAGEMENT INFORMATION SYSTEM (SIMKAH) IN THE IMPLEMENTATION OF THE MARRIAGE LAW AT THE OFFICE OF RELIGIOUS AFFAIRS Fansori, Rosihan; Anita Handayani; Suratman; Ulum, Bahrul
JAS : Jurnal Ahwal Syakhshiyyah Vol 6 No 2 (2024): Jurnal Ilmiah Ahwal Syakhshiyyah (JAS)
Publisher : Fakultas Agama Islam UNISMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jas.v6i2.22748

Abstract

This study evaluates the accountability of the Marriage Management Information System (SIMKAH) in the implementation of the Marriage Law at the Office of Religious Affairs (KUA). Using a qualitative approach with a case study design, this study assesses the role of SIMKAH in improving the efficiency, accuracy, and transparency of marriage administration. Data was collected through in-depth interviews, observations, and document analysis. The analysis was carried out thematically, through four main stages: data reduction, coding, thematic grouping, and thematic descriptions to identify patterns related to SIMKAH accountability. The results of the study show that SIMKAH strengthens KUA's accountability by accelerating the recording process, reducing errors, and increasing access to information for related parties. However, some obstacles such as limited technology infrastructure and lack of user understanding are still challenges. This study recommends increasing training for staff and strengthening technology infrastructure to optimize the implementation of SIMKAH. These findings provide important insights for the government in developing a more accountable and transparent marriage administration system in Indonesia.
Pengaruh Profitabilitas, Ukuran Perusahaan Dan Kualitas Laba Terhadap Nilai Perusahaan Pada Perusahaan Transportasi Dan Logistik Periode 2020 - 2024 Fatimah, Siti; Handayani, Anita
YUME : Journal of Management Vol 8, No 2 (2025)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v8i2.9348

Abstract

Sektor transportasi dan logistik memegang peran penting dalam mendukung pertumbuhan ekonomi Indonesia. Pada masa pemulihan pasca-pandemi, sektor ini menunjukkan tren perkembangan yang dinamis, termasuk peningkatan volume pengiriman barang dan aktivitas distribusi. Penelitian ini bertujuan untuk menganalisis pengaruh Profitabilitas , Ukuran Perusahaan , dan Kualitas Laba terhadap Nilai Perusahaan pada perusahaan subsektor transportasi dan logistik yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2020–2024. Metode analisis menggunakan regresi linier berganda dengan data sekunder dari laporan keuangan tahunan perusahaan. Hasil penelitian menunjukkan bahwa Ukuran Perusahaan berpengaruh negatif dan signifikan terhadap nilai perusahaan, sedangkan Profitabilitas dan Kualitas Laba tidak memiliki pengaruh yang signifikan. Dari sisi koefisien determinasi (Adjusted R²), ketiga variabel tersebut hanya mampu menjelaskan 5,7% variasi nilai perusahaan, sisanya dipengaruhi oleh faktor lain seperti leverage, pertumbuhan pasar, reputasi manajemen, dan sentimen investor. Temuan ini memberikan implikasi bahwa investor dan manajemen perlu melihat lebih luas dari aspek keuangan internal perusahaan dalam menilai kinerja dan prospek bisnis. Penelitian ini juga mengidentifikasi adanya research gap atau inkonsistensi hasil dibandingkan penelitian-penelitian terdahulu, sehingga menjadi kontribusi teoretis dalam literatur akuntansi dan keuangan, serta praktis bagi pelaku usaha dan calon investor dalam pengambilan keputusan investasi.Kata Kunci: Nilai Perusahaan, Profitabilitas, Ukuran Perusahaan, Kualitas Laba, Transportasi dan Logistik
Co-Authors Achmad Davis Endy Pratama Afifah, Muhimah Agatha, Talitha Hardiyan Ainul Farodisah Aisyatu Rahma Hayati Akhilah Putri Fariyanah Fadiya Hayyah Alkusani, Alkusani Almaida, Lesti Alwiyatun Nisa' Amelia, Imaniar Rizka Amilia Fajrin Ana Malikah Syarifatin Andi Rahmad Rahim Anggi Anjarsari, Tania Anis Zulia Sasmita Arifana, Cindy Dwi Ariska Isnaini Putri Arya Setya Nugroho Asiamufidiawati, Isnaeni Dyah Atikotul Fauziyah Ayu rahmawati, Nanda Bagas Agung Prasetyo Bagas Hanggara Bahrul Ulum Baitaputra, Moh. Holil Bela Rozalia Bella Ayu Puspita Ningrum Bella Mey Frastista Bilqis Tahta Maulida Candraningrat, Candraningrat Chalimatus Sakdiyah Chaniago, Assifa Salsabilla Deni Yuliatin Dodi Jaya Wardana Eka Martha Yuliatin Ernawati Ernawati Ery Tri Djatmika RWW Fansori, Rosihan Fara Rifdah Faridatul Ulla Fatimatuz Zahroh Fazlur Rahman Rahawarin Firdaus, Achmad Zuhaeri Frastista, Bella Mey Haq, Assyifa Nurul Hayati Sivak Hikmatus Shobri Nafi’ah Ilham Gresnaidi Ilmia Rahmawati Indah Ayu Isnawati INDAH PUSPITASARI Irmaya Tri Hartanti Jaya Agus Prastyo Jayanti Tri Handayani Jessica Novia Farhen Khakimah, Okky Aliyatul Khusnul Fajriyah Kurnia Dwi Immamah Laila, Esa Safrillah Nur Leriana Trias Handayani Maya Fita Suwahyuni Mei Fita Asri Untari Mohammad Ali Masruri Moyang Waristi Mufidah, Khazimatul Muid.N, Abd.Muid.N Musrofah, Afiatul Naabilah Surrohmawati Nanda Amalia Nazma alaika silma Niswatul Azifah Novita Anggraini Nugroho, Dimas Tri Nur Fauziyah Pertiwi, Nastiti Putri Prianti, Hanna Puji Handayati Rafilah Maulidiya Ahmad Rahawarin, Fazlur Rahman Rahmat Agus Santoso Ramadhanti Dwi Novitasari Rikka Ristilestari Rizqi, Maulidyah Amalina Roziana Ainul Hidayati Rukhiyatul Jannah Safitri, Ririn Nur Aini Sari, Meyristiana Sari, Putri Rahmah SATRIYAS ILYAS Selfani, Dini Shunhaji, Akhmad Siti Fatimah Siti Lestari Sukaris suratman Sustikasari, Nadira Dwi Syarof, Rizalda Anjach Tania Anggi Anjarsari Utami, Wahyu Putri Vaninda Agustina Varomah Wati Vilantika, Elok Viqka Anggraeni Wahju Wardhana Waristi, Moyang Wasti Reviandani Widiharti Widiharti Wilda Fajriyah Wiyogo, Adinda Putri Yosi Firda Rahmadani Yuyun Istifadah Zahrotun, Nafisah Zamroni Zamroni