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All Journal Neo-Bis IJBE (Integrated Journal of Business and Economics) Journal of Economic, Bussines and Accounting (COSTING) Jurnal Dinamika Sosial Budaya Jurnal Riset Ekonomi dan Bisnis Khadimul Ummah Journal of Social Dedication Owner : Riset dan Jurnal Akuntansi Alignment: Journal of Administration and Educational Management IKRA-ITH EKONOMIKA Jurnal Ilmu Manajemen dan Akuntansi Terapan Magisma: Jurnal Ilmiah Ekonomi dan Bisnis Management Studies and Entrepreneurship Journal (MSEJ) SOLUSI Jurnal Locus Penelitian dan Pengabdian Sustainable Business Journal Tematik Fokus Abdimas Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Pengabdian Kepada Masyarakat
Paulus Wardoyo
Universitas Semarang
Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Public Health Social Sciences Other

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ANALISIS FAKTOR- FAKTOR YANG MEMPENGARUHI JUMLAH KREDIT YANG DISALURKAN PADA BANK PERKREDITAN RAKYAT DI EKS KARESIDENAN SEMARANG TAHUN 2009- 2012 Tusifatul Utami; Paulus Wardoyo
Solusi Vol 14, No 2 (2015)
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/slsi.v14i2.2026

Abstract

Penelitian ini untuk menganalisa pengaruh Loan Deposit Ratio (LOR), Non Perfonna Loan (NPL), Biaya Operasional Pendapatan Operasional (BOPO), dan Return Of Assets (ROA) terhadap penyaluran kredit pada BPR yang berada di Exs Karesidenan Semarang. Variable LOR menurut ketentuan Bank Indonesia 85 %- 110% Sedangkan standar rasio NPL adalah 5 %. tingkat biaya operasional yang di tentukan Bank Indonesia adalah 92 %. dan Return Of Asset (ROA) nilainya tinggi maka bank mempunyai keuntungan yang besar. Populasi dalam penelitian 63 BPR setelah mengunakan metode purpose sampling sampel penelitian manjadi 44 BPR, alat analisis dalam penelitian ini mengunakan regresi linear berganda, jenis data yang digunakan adalah data sekunder, dengan metode pengumpulan data adalah dokumentasi, sistem data yang digunakan untuk mengolah data adalah SPSS. Berdasarkan penelitian diperoleh basil bahwa LOR dan NPL tidak berpengaruh dalam penyaluran kredit,sedangkan BOPO dan ROA berpengaruh dalam penyaluran kredit. nilai koefisien detenninasi sebesar 0,088 menunjukan bahwa penyaluran kredit dapat dijelaskan oleh variable-variabel penelitian sebesar 8,8 %.Kata Kunci : LDR,NPL,BOPO, ROA dan penyaluran Kredit.
Determinasi Internal & Peran Ownership Concentratation Atas Profitabilitas Bank Perkreditan Rakyat (Di Kota Semarang) Paulus Wardoyo; Sri Purwantini; Endang Rusdianti
Owner : Riset dan Jurnal Akuntansi Vol. 7 No. 1 (2023): Article Research Volume 7 Issue 1, Januari 2023
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v7i1.1230

Abstract

Rural Banks in Indonesia are facing problems regarding the health of their performance in recent years which shows a flat trend. Even the City of Semarang from 2019 to 2021 shows an average downward trend. In addition to the research results that are inconsistent between Non Performing Loans and Net Interest Margin on profitability or Return On Assets, this study aims to examine the role of Ownership Concentration as a moderating variable used to solve these problems. This study uses secondary data from 25 conventional BPRs that have their head office in Semarang City for the observation period 2016 – 2021. The sampling technique used is purposive sampling. Data analysis uses SPSS software. The Source of data for Rural Bank financial reports can be accessed on the website of the Financial Services Authority. The results showed that Net Interest Margin had a positive effect on profitability, whereas Non-Performing Loans hurt profitability. Ownership Concentration can moderate the effect of Non-Performing Loans on the level of profitability, but not the Net Interest Margin. The results of this study prove that Ownership Concentration will always strive to protect the interests related to its investment. The purpose of this study was to examine the role of ownership concentration as a moderating variable used to resolve the research gap on the effect of NPL and NIM on BPR profitability. This study uses conventional BPR respondents who have a head office in Semarang City, totaling 25. This study uses a purposive sampling technique. The results showed that NIM had a positive effect on the profitability of BPR, on the contrary, NPL had a negative influence. In addition, ownership concentration was able to moderate the effect of NPL on profitability, but not on NIM. This study proves that the ownership concentration will always try to protect the interests related to its investment. Further research can be done by expanding the coverage area under study and increasing the number of respondents, or it can also be done in other industries.
Kompetensi dan burnout terhadap kinerja karyawan dengan mediasi kualitas kerja Arif Hirmawan; Paulus Wardoyo; Adijati Utaminingsih
Jurnal Riset Ekonomi dan Bisnis Vol 15, No 3 (2022): DESEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/jreb.v15i3.5733

Abstract

Penelitian ini adalah penelitian kuantitatif dengan tujuan untuk menganalisis pengaruh kompetensi dan job burnout terhadap kinerja karyawan dengan kualitas kerja sebagai variabel intervening pada Kantor Jasa Penilai Publik Munir, Wisnu, Heru dan Rekan dengan jumlah responden sebanyak 111 orang. Pengumpulan data melalui kuesioner yang disebar secara online dengan menggunakan Skala Likert rentang 10 (1 s/d 10) dan analisis data menggunakan model persamaan Structural Equation Modelling, yaitu Partial Least Square (PLS) dengan alat analisis Smart PLS versi 3.2.9. hasil terhadap analisis data diperoleh bahwa kompetensi dan job burnout secara parsial berpengaruh positif dan signifikan terhadap kualitas kerja, kompetensi dan job burnout secara parsial berpengaruh positif dan signifikan terhadap kinerja karyawan sedangkan kompetensi dan job burnout yang dimediasi oleh kualitas kerja memberi pengaruh positif dan signifikan terhadap kinerja karyawan.This study is a quantitative study with the aim of analyzing the effect of competence and work fatigue on employee performance with work quality as an intervening variable at the Public Appraisal Service Office of Munir, Wisnu, Heru and Partners with a total of 111 respondents. Collecting data through questionnaires distributed online using a Likert Scale ranging from 10 (1 to 10) and data analysis using the Structural Equation Modeling, namely Partial Least Square (PLS) with Smart PLS analysis tools version 3.2.9. The results of data analysis show that competence and job burnout partially have a positive and significant effect on work quality, competence and job burnout partially have a positive and significant effect on employee performance, while competence and job burnout mediated by work quality have a positive and significant effect on performance employee.
STRATEGI BISNIS UNTUK MEMPERTAHANKAN PENJUALAN JASA PENGIRIMAN KARGO FREIGHT FORWARDING PADA MASA PANDEMI COVID-19 Agus Prasetyo; Adijati Utamingsih; Paulus Wardoyo
Magisma: Jurnal Ilmiah Ekonomi dan Bisnis Vol 11 No 1 (2023): MAGISMA:Jurnal Ilmiah Ekonomi dan Bisnis
Publisher : Magister Manajemen STIE Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/magisma.v11i1.276

Abstract

The purpose of this study is to understand business strategies in maintaining sales of cargo shipping services for Freight Forwarding companies engaged in exports and imports during the covid 19 pandemic. Facing competition, every freight forwarding company must have the right business strategy in order to maintain sales of its cargo shipping services. most of which experienced a decline during the COVID-19 pandemic. The strategy is designed through a SWOT analysis by knowing the company's internal (IFE) and external (EFE) factors. The research used a descriptive qualitative approach. Data was collected through in-depth interviews with key informants from the management of the freight forwarding company, such as the President Commissioner, Director, Operations Manager, Finance and Accounting Manager, Customer Service and Sales, employees of the Eczema document department and service users. With SWOT analysis in improving cargo delivery services, the company is positioned among Strength-Opportunities by leveraging strengths to seize and take advantage of the greatest opportunities. Through the IE matrix, the company is in a position to grow and develop alternative strategies that can be implemented, namely forward integration, backward integration, horizontal integration, product development, business development, market penetration, and related diversification
How Important Are Value-Based Selling And Courteous Selling Behavior In Improving Salesforce Performance? Paulus Wardoyo; Endang Rusdianti; Sri Purwantini
Integrated Journal of Business and Economics (IJBE) Vol 7, No 1 (2023): Integrated Journal of Business and Economics
Publisher : Fakultas Ekonomi, Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijbe.v7i1.379

Abstract

This study aims to examine and analyze the role of value-based selling and courteous selling behavior in resolving the research gap between customer orientation and sales force performance. The population of this research is the salesforce at BPR Group Saudara in Central Java Province and DI Yogyakarta. The sampling technique used is purposive sampling, there are only 108 questionnaires that meet the requirements. The analysis technique uses structural equations, the solution is using SmartPLS version 3.2.9. The results show that one hypothesis is rejected, while the remaining five are accepted. In addition, the variable value-based selling and courteous selling behavior were not able to complete the research gap. However, value-based selling can mediate the influence of customer orientation on courteous behavior.
ANALISIS PENGARUH MOTIVASI KONSUMEN, KEPERCAYAAN KONSUMEN TERHADAP KEPUTUSAN PEMBELIAN DENGAN SIKAP KONSUMEN SEBAGAI VARIABEL MODERASI Abdullah Abdullah; DC Kuswardani; Paulus Wardoyo
Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT) Vol 14 No 1 (2023): Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Totalwin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36694/jimat.v14i1.450

Abstract

This study aims to determine and analyze consumer attitude as a moderation variable on the effect of consumer motivation and consumer trust on property purchasing decisions. This study uses primary data by distributing questionnaires to respondents, namely the owner of Green Taman Asri housing complex. Sampling is done using the NonProbability Sampling method and the sampling technique using sensus Sampling. The analysis in this study used a moderation regression analasis test. The results of this study indicate that consumer motivation consumer trust have a positive and significant effect on purchasing decision. Meanwhile consumer attitude has a positive as a moderating variable has a significant positive effect on the effect of consumer motivation and consumer trust on property purchasing decisions, with a coefficient of determination (Adjusted R Square) of 0.799 which means that together independent variables explain the purchase decision by 79.9%, while the remaining 20.1% is influenced by other variables
PEMBERDAYAAN IBU-IBU RUMAH TANGGA UNTUK MENINGKATKAN EKONOMI KELUARGA DENGAN MEMANFAATKAN LIMBAH DI KEL. SUSUKAN, KEC. UNGARAN TIMUR, KAB. SEMARANG Endang Rusdianti; Paulus Wardoyo; Sri Purwantini
TEMATIK Vol 1, No 1: July 2019
Publisher : TEMATIK

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/tmt.v1i1.1523

Abstract

Kelurahan Susukan terletak di Kecamatan Ungaran Timur merupakan salah satu kecamatan di wilayah Kabupaten Semarang, Propinsi Jawa Tengah. Di Kec. Ungaran Timur masih sedikit jumlah usaha dan masih banyak ibu-ibu rumah tangga yang kurang produktif. Tujuan Pengabdian Kepada Masyarakat adalah memberikan pengetahuan tentang kewirausahaan bagi ibu-ibu rumah tangga dengan memanfaatkan limbah rumah tangga menjadi bernilai ekonomi serta memotivasi ibu-ibu rumah tangga agar mau berwirausaha. Target yang ingin dicapai adalah ibu-ibu rumah   tangga menjadi paham tentang kewirausahaan, mempunyai semangat untuk berwirausaha, mempunyai kemauan untuk berwirausaha, pendapatan keluarga meningkat dan   menciptakan lapangan kerja bagi lingkungannya. Metode pelaksanaan kegiatan pengabdian kepada masyarakat   adalah metode ceramah dan diskusi.Hasil yang dicapai dari kegiatan pengabdian kepada masyarakat ini adalah adanya perubahan yang positif pada masyarakat serta peningkatan semangat berwirausaha dengan memanfaatkan limbah rumah tangga.Kata kunci: Pemberdayaan, Kewirausahaan, Motivasi
PENYULUHAN TENTANG PELUANG USAHA GUNA MENUMBUHKAN KEMANDIRIAN EKONOMI IBU RUMAHTANGGA KELURAHAN GEDANGANAK, KECAMATAN UNGARAN TIMUR, KABUPATEN SEMARANG Endang Rusdianti; Sri Purwantini; Paulus Wardoyo
Jurnal Pengabdian kepada Masyarakat Vol. 7 No. 2 (2020): JURNAL PENGABDIAN KEPADA MASYARAKAT 2020
Publisher : P3M Politeknik Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The increasing expenditure of the mother's household in Gedanganak is felt along with theincrease in the price of daily necessities. In general, housewives are still less creative in dealingwith household expenses. Most housewives are still monotonous in managing their householdfinances and have not been able to fill their spare time with productive businesses. Therefore it isnecessary to have enlightenment on how best to anticipate business opportunities and provideexamples of how to fill useful free time. One of the solutions provided by the team is to providecounseling on business opportunities and the practice of making dishwashing soap in the hope thatit can help reduce family economic expenses and as a way to open business opportunities that canbe run. In addition, information from village officials, in general, housewives still rely on theirhusbands as the main source of income. This is an interesting phenomenon for counseling about theimportance of fostering economic independence by taking advantage of new business opportunitiesfor housewives. After attending the counseling and practice of making dish soap, participants areexpected to be more creative in taking advantage of business opportunities so that their householdeconomic independence will grow and for those who already have a business, it is hoped that theirbusiness will increase.
Pengaruh Analisis Jabatan, Beban Kerja, Dan Kompetensi Terhadap Kinerja Pegawai Dengan Motivasi Intrinsik Sebagai Variabel Intervening (Studi Pada Kantor BNN Provinsi Jawa Tengah) Elvira Anggraini; Paulus Wardoyo; Albert Albert
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 1 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i1.7073

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh analisis jabatan, beban kerja, dan kompetensi terhadap kinerja pegawai, serta peran motivasi intrinsik sebagai variabel mediasi. Permasalahan yang melatarbelakangi penelitian ini adalah ketidakseimbangan antara jumlah pegawai dan beban kerja serta kurangnya kompetensi menyebabkan penyelesaian pekerjaan tidak sesuai dengan waktu yang telah ditetapkan. Hal ini menandakan kinerja pegawai BNN Provinsi Jawa Tengah dalam penyelesaian pekerjaan masih perlu ditingkatkan dan mendorong pegawai untuk meningkatkan kompetensi di bidangnya masing-masing. Jenis penelitian ini termasuk dalam kuantitatif dengan jenis penelitian yang digunakan adalah explanatory. Penelitian ini menggunakan data primer yaitu data yang diperoleh langsung dari obyek penelitian yang diperoleh dari kuesioner. Penelitian ini dilakukan di lingkungan BNN Provinsi Jawa Tengah dengan sampel sebanyak 82 pegawai. Metode analisa menggunakan analisa three box method dan PLS-SEM Hasil analisa membuktikan bahwa analisis jabatan berpengaruh positif terhadap kinerja pegawai, beban kerja berpengaruh negatif terhadap kinerja pegawai, kompetensi berpengaruh positif terhadap kinerja pegawai, analisis jabatan tidak berpengaruh terhadap motivasi intrinsik, beban kerja tidak berpengaruh terhadap motivasi intrinsik, kompetensi tidak berpengaruh terhadap motivasi intrinsik, dan motivasi intrinsik berpengaruh positif terhadap kinerja pegawai. Motivasi intrinsik tidak memediasi pengaruh analisis jabatan, beban kerja, kompetensi terhadap kinerja pegawai. Temuan ini menunjukkan bahwa untuk meningkatkan kinerja pegawai, diperlukan pendekatan secara keseluruhan, di mana faktor motivasi intrinsik diperhatikan selain aspek teknis seperti analisis jabatan, beban kerja, dan kompetensi.
Peran Keterlibatan Pelanggan dalam Meningkatkan Minat Beli Ulang Pada SPBU Coco 41.573.01 Pertamina di Solo Prasetya Mulya Diantara Putra; Sekar Pandanarum; Paulus Wardoyo; DC. Kuswardani
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (2025): 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.v7i4.7475

Abstract

The research method used is Quantitative research with a questionnaire study approach. This research was conducted on customer experience, Affection With Service, customer involvement, Repurchase Interest, and customer satisfaction at Pertamina COCO 41.573.01 Gas Station in Solo. The population in this study was Pertamina COCO 41.573.01 Gas Station in Solo, the research sample return technique was based on the principle of non-probability sampling. Data processing in this study used smartPLS SEM (Partial Least Square - Structural Equation Modeling) Software. The results of this study are Affection With Service has an effect on repurchase intention, Customer satisfaction has an effect on customer involvement, Customer involvement has an effect on Affection With Service, Customer involvement has an effect on repurchase intention, Customer experience has an effect on Affection With Service, and Customer experience has no effect on customer involvement.
Co-Authors - Lianasari Abdullah Abdullah Adijati Utaminingsih Agus Prasetyo Ajeng Yuanitasari Albert Andi Sutami andriyan irawan Ani Setyarini Arif Hirmawan DC. Kuswardani Delta Lexi Arbawa Deny Ariyanto Dewinta Mustika Hidayanti Djoko Santoso Elvira Anggraini Endang Rusdianti Endang Rusdianti Fausan Nur Rachman Indarto Indarto Jauhar Fakhri Widodo Tjokromihardjo Kesi Widjajanti Kristian Jajang Saputra laurene Istiyawari Linggar Sarastri Prasetya Mulya Diantara Putra Prasetya Panji Kartika Yudha Rina Gusma Devita Sandra Ellysa Sekar Pandanarum Septi Indah Prasetyaningrum Sri Purwantini Sujito Sulis Setyoninsih Tusifatul Utami Wyati Saddewisasi Yuli Budiati