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Pancawati, Ni Luh Putu Anom
Institut Agama Hindu Negeri Gde Pudja Mataram
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Nursing Social Sciences Other

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Journal : Waisya : Jurnal Ekonomi Hindu

 1 
ANALISIS RISIKO KREDIT DAN TINGKAT EFISIENSI OPERASIONAL TERHADAP PRFITABILITAS PADA KOPERASI DI KOTA MATARAM Yanti, Ni Made Ayodia Ratna Dwi; Listiawati, Ni Putu; Pancawati, Ni Luh Putu Anom
Waisya : Jurnal Ekonomi Hindu Vol 2 No 2 (2023)
Publisher : Institut Agama Hindu Negeri Gde Pudja Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53977/jw.v2i2.1569

Abstract

The purpose of this study was to determine the effect of credit risk and the level of operational efficiency on the profitability of cooperatives in the city of Mataram. This study uses quantitative analysis with an associative approach. The type of data used is secondary data with data processing using the SPSS version 25.0 program. Data collection techniques used are observation and documentation. The samples used were five cooperatives with a purposive sampling technique with certain criteria. The data analysis used is multiple linear regression analysis with a determination coefficient of 55.90% on profitability. The results of the t-test stated that credit risk had no significant effect on profitability, while the level of operational efficiency had a significant effect on the profitability of cooperatives in the city of Mataram. The results of the F-test show that credit risk and the level of operational efficiency jointly affect the profitability of cooperatives in the city of Mataram.
PENGARUH CANVASSING TERHADAP PENJUALAN PRODUK KUR SYARIAH DI PT PEGADAIAN CABANG SWETA Dana, Kadek Prayoga Merta; Sukendri, Nengah; Pancawati, Ni Luh Putu Anom
Waisya : Jurnal Ekonomi Hindu Vol 4 No 1 (2025)
Publisher : Institut Agama Hindu Negeri Gde Pudja Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53977/jw.v4i1.2421

Abstract

The success of pawnshops in achieving their goals is very dependent on marketing strategies so that their products can be accepted and sold in the market. In the face of increasingly fierce competition, pawnshops, especially the Sweta branch, need to continue to improve product quality to attract and retain customers in order to achieve sales targets. In introducing and promoting sharia KUR products to prospective borrowers PT. Pegadaian Sweta Branch implements an effective marketing strategy, namely canvassing. Activity canvassing is a direct marketing activity in the form of promotions as carried out by PT employees. Sweta Branch Pawnshop by visiting potential customers directly to introduce and offer products available at the pawnshop. This research aims to test the effect canvassing on sales of sharia KUR products at PT. Sweta Branch Pawnshop and test how big the influence is canvassing on sales of sharia KUR products at PT. Sweta Branch Pawnshop. This research uses an associative quantitative approach. The sample in this study was 47 respondents who were employees of PT. Sweta Branch Pawnshop. The research results show that there is a positive and significant influence on canvassing regarding sales of sharia KUR products, this can be proven from the results of the t test that the t-calculated value is 10.628 > the t-table value, namely 1.6794. And the significant value is 0.000 < 0.05 which means that the hypothesis (Ha) is accepted and the hypothesis (H0) is rejected. Furthermore canvassing has a strong influence on sales of KUR sharia products at PT. Sweta Branch Pawnshop. It can be seen from the R Square value that it is 71% and the remaining 28.5% is influenced by other variables that were not studied.
Co-Authors Alung Candra Dewi Pradana Anggara, I Gusti Lanang Oka Dwitya Ariana, I Made Putu Dwi Dana, Kadek Prayoga Merta Danuarta, I Made Desianti, Ni Wayan Windi I Gede Yoga Purnayasa I Komang Widya Purnama Yasa I Made Danuarta I Made Ngurah Oka Mahardika I Made Sudarma I MADE SUDARMA Ida Bagus Putu Suardana Kariana, I Nengah Putra Made Sudarma Ni Putu Ari Aryawati Ni Putu Listiawati Ni Wayan Apriani Purwantari, I Gusti Ayu Rieka Yulita Widaswara Somiartha, Putu Sukendri, Nengah Sutriani, Ida Ayu Nyoman Tamara, Ni Wayan Kartika Khaecylia Wibawa, I Gede Jaya Satria Widari, Ni Nyoman Satya Yanti, Ni Made Ayodia Ratna Dwi