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PENGARUH DANA KREDIT USAHA RAKYAT (KUR) TERHADAP BANK PERKREDITAN RAKYAT (BPR) DI KABUPATEN JEMBER Supeni, Nely
AGRIBEST Vol 2, No 1 (2018): Maret
Publisher : Fakultas Pertanian Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (277.694 KB)

Â Â Â Â Â Â Â Â Â Â Â Kredit Usaha Rakyat (KUR) adalah program pemerintah sebagai sumber dana untuk usaha Mikro, Usaha Kecil dan Menengah (UMKM) dengan suku bunga rendah, 9% setiap tahun dan tanpa agunan. Tujuan penelitian ini adalah untuk mengetahui Debitur UMKM dan jumlah kredit debitur UMKM di BPR sebelum dan sesudah Program Tanggung Jawab KUR .. BPR di Kabupaten Jember adalah 23 BPR. Teknik pengambilan sampel adalah Jenuh Sampling (Sensus). Analisis data yang dilakukan adalah Paired Sample t Test dengan teknik menggunakan data melalui kuesioner. Hasil analisis adalah (1) Debitur UMKM di BPR sebelum dan sesudah program KUR sebesar 0,201 yang berarti lebih besar dari Î± = 0,05, sedangkan hasil keputusan yang diterima adalah Ho. Tidak ada pengaruh signifikan terhadap jumlah debitur UMKM di BPR sebelum dan sesudah program KUR, (2) Total Dana Kredit UMKM di BPR sebelum dan sesudah program KUR adalah 0,623 yang berarti lebih besar dari Î± = 0,05, Keputusan yang diambil adalah menerima Ho. Menerima Secara Jelas tidak ada perbedaan yang signifikan dengan jumlah dana kredit peminjam UMKM di BPR sebelum dan sesudah program pensiun KUR.

EFFECT OF NPL AND LDR ON ROA of PT. BANK RAKYAT INDONESIA. TBK WITH CAR AS AN INTERVENING VARIABLE Supeni, Nely
AGRIBEST Vol 3, No 1 (2019): Maret
Publisher : Universitas Muhammadiyah Jember

This study is to determine the effect of NPL and LDR on the ROA of PT. Bank Rakyat Indonesia Tbk With CAR As an Intervening Variable. The method of data collection in this study is by collecting data from the financial statements of PT. Bank Rakyat Indonesia TbK from the period 2013 to 2017. Analysis of the data that is suitable for use in this study is path analysis (path analysis). The result of the analysis that has been done is that NPL has no significant effect on CAR because the significance level is 0.114, which means 0.114> α. LDR has no significant effect on CAR because the significance level is 0.717 which means> α. NPL does not significantly influence ROA because the significance level is -0.790 which means 0.790> α. LDR does not significantly affect ROA because the significance level is 0.386 which means> α. CAR does not significantly influence ROA because the significance level is 0.225 which means> α. CAR is able to mediate between the NPL variable and the ROA variable because the value of the Indirect NPL Effect on ROA through CAR is 1.069 X -1.045 = -1.117105, which means 1.117105> 0.159. CAR is not able to mediate between the LDR variable and the ROA variable because the value of the Indirect LDR Effect on ROA through CAR is -0.165 X -1.045 = 0.172425 which means 0.172425 <0.324.

ANALYSIS OF THEEFFECTOF INFLATION, BI RATE ON STOCK PRICE VOLATILITY THROUGH CURRENCY EXCHANGE AS INTERVENING VARIABLE IN CONSUMER GOODS INDUSTRY IN IDX Supeni, Nely; Mustofa, Mustofa
AGRIBEST Vol 4, No 1 (2020): Maret
Publisher : Universitas Muhammadiyah Jember

This study to analyze the Influence of Inflation, BI Rate on Stock Price Volatility through Currency Exchange as Intervening Variables in Consumer Goods Industry on the Indonesia Stock Exchange. This type of research is a descriptive quantitative research that is quantitative research that describes the results of comparison in five companies in the Consumer Goods Industry sector are PT. Mayora Tbk, PT. Multi Bintang Indonesia Tbk, PT. Tempo Scan Pacific Tbk, PT. Ultrajaya, Tbk, PT. Unilever Tbk. Analysis of the data used is Path Analysis. Based on the analysis of the path of direct influence obtained the results of the study as follows: Currency Exchange has a significant and negative influence on Stock Price Volatility only at PT. Tempo Scan Pacific, Inflation has a significant and negative influence on Stock Price Volatility only at PT Unilever, while the other four companies have no significant effect. BI Rate is significant and negative towards Stock Price Volatility only at PT. Tempo Scan Pacific while the other four companies had no significant effect. The results of the analysis of indirect influence paths obtained that at PT. MayoraTbk, Currency Exchange is able to mediate the indirect effect between the BI Rate on Stock Price Volatility. At PT. Multi Bintang Indonesia Tbk, Currency Exchange is able to mediate the indirect effect between Inflation on Stock Price Volatility, and Currency Exchange able to mediate the indirect effect between BI Rate on Stock Price Volatility. In other companies, the Currency Exchange is unable to analyze the effect of the independent variable on the dependent variable

ANALISIS KELAYAKAN INVESTASI MESIN PENCETAK KEMASAN PADA UD "ROBIN JAYA SENTOSA" SITUBONDO Nely Supeni; Isti Fadah; Elok Sri Utami
RELASI : JURNAL EKONOMI Vol 19 (2014)
Publisher : STIE Mandala Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31967/relasi.v19i0.36

An investment is one of alternative policies of the company to develop its business in order to obtain profits in the future. UD "Robin Jaya Sentosa" Situbondo has invested 2 new package printing machines to maximize the company objectives. This study examines whether the proposed investment is worth it or not to do. The data used are primary data and secondary data. Primary data is investment planning and estimated cash flow. Secondary data is the company's finances. Some investment appraisal methods used are the payback period, average rate of return, net present value, internal rate of return, modified rate of return, profitability index, and monte carlo simulation. The results of analysis shows that the payback period results is 1 year 10 months 10 days, 101% ARR, NPV of Rp835.044.270, IRR of 68,3%, 45% MIRR, PI of 2,67, and a monte carlo simulation calculations as many as 300 times shows that the probability of NPV<0 by 22%. Based on project acceptance criteria, the results of this analysis indicate that the investment plan of UD "Robin Jaya Sentosa" is feasible.

PENGARUH KUALITAS PRODUK DAN KUALITAS PELAYANAN TERHADAP LOYALITAS PELANGGAN MATAHARI DEPARTEMENT STORE JEMBER Nely Supeni
RELASI : JURNAL EKONOMI Vol 16 (2012)
Publisher : STIE Mandala Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31967/relasi.v16i0.56

Consumer is the most important thing that needs to be considered by a company. Consumers will remain loyal to the company if they feel satisfied with the product and servise provided by the company. Matahari Departement Store is one of the departement store in Jember wich has a loyal customer to them. This study was to determine the effect of product quality and servise quality on customer loyalty Matahari Departement Store. The data used is primary data wich one type of data based on its source which usually obtained by field survei using all the original data collection methods. The type of data in this study are ordinal data. The sample used as many as 60 respondents. The analytical tool used is multiple linear regression with a significance level of 5% or 95% confidence internal. Regression results show that partially X1 (product quality) is significant. X2 (quality product) is significant too. Simultaneously indicates that all independent variabels (quality products and quality service) effect simultaneously on customer loyality. R square 0,785 wich means that 78,5% change of customer loyality caused by the product quality and service quality.

PERAN BADAN PENYELENGGARA JAMINAN SOSIAL (BPJS) KESEHATANBAGI PASIEN RAWAT INAP PADA RSUD dr. SOEBANDI JEMBER Nely Supeni; Ahmad Sauqi
RELASI : JURNAL EKONOMI Vol 12 No 1 (2016)
Publisher : STIE Mandala Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31967/relasi.v12i1.88

Purpose of this study is to determine the level of satisfaction of patients who had undergone hospitalization in dr. Soebandi Jember well as participants BPJS-Health as well as non BPJS health insurance participants.The data used in this study are primary data and secondary data. The samples used as many as 120 respondents. 60 respondents to respondents who had hospitalization in dr. Soebandi Jember as participants BPJS-Health and 60 for respondents who had hospitalization in dr. Soebandi Jember as non BPJS health insurance participants. The data analysis is done by non-parametric statistical tests, particularly the Chi Square test or chi-square test were symbolized by "χ2". Based on the table Chi-square test results Pearson Chi-square can be seen that significant value (p-value) = 0.001, which means smaller than α = 0.05, so the decision is to reject Ho. That is, there is a significant difference between the ministry of dr. Soebandi for inpatients participants suransi BPJS health and health insurance Non BPJS. At the patient's perception of the contingency table BPJS-health insurance membership and health suransi Non BPJS look the same percentage or proportion. Both participants and non BPJS BPJS patient perception 100.0% said easy.Based on the table Chi-square test results Pearson Chi-square can be seen significant value (p-value) = 0.088, which means greater than α = 0.05, so that the decision taken is to accept Ho. That is, there was no significant difference regarding the completion of the administration of post-hospitalization in dr Soebandi for patient participants BPJS health insurance and health insurance participants Non BPJS.

THE FACTORS ANALYSIS THAT INFLUENCE ONINFLATIONIN INDONESIA Helmi Agus Salim; Nely Supeni
MBA - Journal of Management and Business Aplication Vol 3 No 2 (2020)
Publisher : STIE Mandala Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31967/mba.v3i2.356

MBA –JournalofManagementandBusinessAplicationPage 302MBAJournalofManagementandBusinessAplicationTHE FACTORS ANALYSIS THAT INFLUENCE ONINFLATIONIN INDONESIAHelmi Agus Salim1Nely Supeni2Higher Education of Economic MandalaEmail: helmi@stie-mandala.ac.idABSTRACTInflation is an interesting topic to discuss because it has a broad impact on macroeconomic aggregates such as on economic growth, product competitiveness, interest rates and income distribution. Inflation is a dilemma that haunts the economy, especially developing countries especially Indonesia is a country with an estimated economic level in the world. Therefore there are several things that will be studied and examined to find out these problems including the effect of fuel subsidies, the effect of the Rupiah exchange rate against the US Dollar, the influence of interest rates, and the influence of Gross Domestic Product (GDP) on the inflation rate in Indonesia. The research method for analyzing data used is multiple regression. The results showed the Subsidy Variable (LS) had a positive regression coefficient of 0.1270 to inflation, the exchange rate coefficient (LK) was 0.5915 to inflation, the value of the interest rate coefficient (LSB) was -0.88638 to inflation, the GDP coefficient (LG) is 0.1489 of inflation. Based on the simultaneous test, it can be seen that the F statistic is 390 with a prob (F-statistic) of less than one percent, so these statistics mean that together the independent variables in the research model include the value of government subsidies, the exchange rate of the Rupiah against the USD, interest rates, and Gross Domestic Product / GDP of Indonesia together influence the inflation rate in Indonesia.Keywords:Inflation, Rupiah Exchange Rate, Interest Rates, Gross Domestic Product

FLUCTUATION OF INFLATION VALUE AND BI RATE AGAINSTVOLATILITY OF STOCK PRICE IN PT. UNILEVER INDONESIA Tbk Nely Supeni; Helmi Agus Salim
MBA - Journal of Management and Business Aplication Vol 3 No 2 (2020)
Publisher : STIE Mandala Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31967/mba.v3i2.360

PT. Unilever Indonesia Tbkis one of the companies in the Consumer Goods Industry sector on the Indonesia Stock Exchange (BEI) with the highest share value throughout 2018. The purpose of this study is 1) To partially determine the effect of inflation and the BI Rate on Stock PriceVolatility at PT . Unilever Indonesia Tbk, 2) To find out the effect of simultaneous Inflation and BI Rate on Stock Price Volatility at PT. Unilever Indonesia Tbk.This type of research is quantitative research with secondary data type then the analysis used is Multiple Linear Regression. The results of the analysis state that partially Inflation has a significant negative effect on Stock Price Volatility while the BI Rate has a significant negative effect on Stock Price Volatility. Then the results of thesimultaneous analysis state that inflation and the BI Rate have a significant effect on stock price volatility. Keywords:Inflation, BI Rate, Stock Price Volatility

THE EFFECTIVENESS OF GOVERNMENT POLICY FOR MSMEs IN SUPPORTING THE NATIONAL ECONOMIC RECOVERY IN JEMBER DISTRICT Nely Supeni; Mustofa Mustofa; Mainatul Ilmi; Diana Dwi Astuti
MBA - Journal of Management and Business Aplication Vol 5 No 1 (2022)
Publisher : STIE Mandala Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31967/mba.v5i1.556

This research is entitled Effectiveness of Government Policy for MSMEs in Supporting NationalEconomic Recovery in Jember Regency. The purpose of this study was to determine whether theMSME Direct Cash Assistance (BLT) program in Jember Regency was effective and on target?This type of research is qualitative research, with 2 types of data used, namely primary data andsecondary data. The total population is 1330 MSMEs and the sample used is 200 MSMEs.Analysis of the data used is descriptive qualitative analysis. The results of the study show thatthe Government's Policy for MSMEs in Supporting National Economic Recovery in the form ofthe MSME Direct Cash Assistance (BLT) program in Jember Regency has been effective, thiscan be seen from the three indicators used in the study, namely timeliness, accuracy in makingchoices. , and target accuracy. Based on these three indicators, it shows that the BLT MSMEDirect Cash Assistance program in Jember Regency is on time, has made the right choice, and isright on target.

Analysis Of Theeffectof Inflation, BI Rate On Stock Price Volatility Through Currency Exchange As Intervening Variable In Consumer Goods Industry In IDX Nely Supeni; Mustofa Mustofa
AGRIBEST Vol 4, No 1 (2020): Maret
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/agribest.v4i1.3005

This study to analyze the Influence of Inflation, BI Rate on Stock Price Volatility through Currency Exchange as Intervening Variables in Consumer Goods Industry on the Indonesia Stock Exchange. This type of research is a descriptive quantitative research that is quantitative research that describes the results of comparison in five companies in the Consumer Goods Industry sector are PT. Mayora Tbk, PT. Multi Bintang Indonesia Tbk, PT. Tempo Scan Pacific Tbk, PT. Ultrajaya, Tbk, PT. Unilever Tbk. Analysis of the data used is Path Analysis. Based on the analysis of the path of direct influence obtained the results of the study as follows: Currency Exchange has a significant and negative influence on Stock Price Volatility only at PT. Tempo Scan Pacific, Inflation has a significant and negative influence on Stock Price Volatility only at PT Unilever, while the other four companies have no significant effect. BI Rate is significant and negative towards Stock Price Volatility only at PT. Tempo Scan Pacific while the other four companies had no significant effect. The results of the analysis of indirect influence paths obtained that at PT. MayoraTbk, Currency Exchange is able to mediate the indirect effect between the BI Rate on Stock Price Volatility. At PT. Multi Bintang Indonesia Tbk, Currency Exchange is able to mediate the indirect effect between Inflation on Stock Price Volatility, and Currency Exchange able to mediate the indirect effect between BI Rate on Stock Price Volatility. In other companies, the Currency Exchange is unable to analyze the effect of the independent variable on the dependent variable

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