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All Journal HAYATI Journal of Biosciences Jurnal Ilmu Pertanian Indonesia Jurnal Penyuluhan Jurnal Manajemen dan Agribisnis Forum Pasca Sarjana Economic Journal of Emerging Markets SOCA: Jurnal Sosial Ekonomi Pertanian Jurnal Ekonomi Kuantitatif Terapan Jurnal Pembangunan Wilayah dan Kota Jurnal Ilmu Lingkungan Jurnal Manajemen Teknologi JURNAL MANAJEMEN AGRIBISNIS Journal The Winners Jurnal Agro Ekonomi JAM : Jurnal Aplikasi Manajemen Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Agribisnis Indonesia (Journal of Indonesian Agribusiness) Forum Agribisnis Habitat AGRICOLA Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal AGRARIS: Journal of Agribusiness and Rural Development Research Jurnal Tataloka Jurnal Kajian Informasi & Perpustakaan Jurnal Ekonomi Pertanian, Sumberdaya dan Lingkungan Syntax Literate: Jurnal Ilmiah Indonesia JEPA (Jurnal Ekonomi Pertanian dan Agribisnis) Jurnal Manajemen Pembangunan Daerah Buletin Ilmiah Litbang Perdagangan Jurnal Agribest Agrisocionomics: Jurnal Sosial Ekonomi Pertanian JRB-Jurnal Riset Bisnis Astonjadro Jurnal Sosial Ekonomi Kelautan dan Perikanan Jurnal Kebijakan Sosial Ekonomi Kelautan dan Perikanan JURNAL TEKNIK HIDRAULIK Agro Bali: Agricultural Journal International Journal of Economics Development Research (IJEDR) Jurnal Ilmiah Manajemen Kesatuan Jurnal Aisyah : Jurnal Ilmu Kesehatan Jurnal Agro Ekonomi Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Business Review and Case Studies Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Media Ekonomi Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research MIMBAR : Jurnal Sosial dan Pembangunan Jurnal Ekonomi dan Pembangunan Indonesia Policy Brief Pertanian, Kelautan, dan Biosains Tropika IJAE
Yusman Syaukat
Departemen Ekonomi Dan Sumberdaya Lingkungan, Fakultas Ekonomi Dan Manajemen, Institut Pertanian Bogor
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Journal : Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal

 1 
FAKTOR-FAKTOR YANG MEMENGARUHI TINGKAT PENYALURAN KREDIT PADA BPR KONVENSIONAL DI INDONESIA Novyanti Nora Purba; Yusman Syaukat; Tb. Nur Ahmad Maulana
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 2 No. 2 (2016): JABM Vol. 2 No. 2, Mei 2016
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.2.2.105

Abstract

The global financial crisis has affected the banking condition in Indonesia, and the impact of this financial crisis has disturbed the banking financial performance. Bank Perkreditan Rakyat is a bank which specializes in serving the middle-lower community levels especially the micro, small and middle scaled entrepreneurships in meeting their capital through the procedures of cheap loan provision and simple loan mechanism. The objective of the research is to analyze factors influencing the level of loan distribution at BPR, and the factors include the variables of the third party fund, Non-Performing Loan (NPL), loan interest, Loan to Deposit Ratio (LDR), Operational Cost on Operational Income (OCOI), and Return on Assets (ROA).The secondary data collection in this research included data time series. The analysis methods used were the descriptive analysis and double linier regression using Minitab 17. The result showed that the variables of the third party fund, and Loan to Deposit Ratio (LDR) had a significantly positive influence on the loan distribution rate. The variables of NPL, loan interest rate, and OCOI had a significantly negative influence on loan distribution rate whereas the variable of ROA was not significantly influential toward the load distribution rate. The most important factor that needs to take into account in increasing bank loan distribution is offering a competitive interest rate.Keywords: DPK, NPL, loan interest rate, LDR, OCOI, ROA, loan distribution/disbursement
Implementation of Branchless Banking in Bogor: a Figure of New Financial Service in Rural Area Ktut Silvanita Mangani; Yusman Syaukat; Bustanul Arifin; Mangara Tambunan
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 5 No. 1 (2019): JABM Vol. 5 No. 1, Januari 2019
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.5.1.131

Abstract

Branchless Banking (BB) is a limited financial service provided by financial service providers, such as banks to the customers without having to come to their office. The banks use the third-party called BB Agent and Information Technology. This study aims to provide an overview of the implementation of the BB program in rural areas. This research was carried out in a bank that implemented a BB program. The unit analysis is the BB Agents as an extension of the limited banking services in rural areas and household micro and small businesses conducting financial transactions through the Agents. The method used in this study is descriptive analysis using primary data source through questionnaire.This study was conducted in Bogor District, at 13 Sub-districts. The samples were the BB agents and business households involved in the BB program chosen purposively and analyzed by a descriptive method. The results show that most transactions were in cash and for payment transactions, while savings and cash withdrawal transactions, which are related to production activities, are still minimal. In addition, transactions using digital money (T-Bank) and BSA (Basic Saving Account) as financial products which aims to reach the unbanked communities have not run. Therefore, this study recommends to the Bank to provide adequate education and information to increase public confidence in BB agents. In addition, OJK and BI need to encourage the penetration of BSA products and bring up the culture of digital money in rural areas and encourage the society to utilize the services of financial transactions through BB agents.Keywords: branchless banking, types of transaction, instruments of transaction, digital money, bsaAbstrak: Branchless Banking (BB) adalah jasa keuangan terbatas yang disediakan oleh penyedia jasa keuangan, seperti bank kepada pelanggan, tanpa harus datang ke kantor mereka. Bank menggunakan pihak ketiga (Agen BB) dan Teknologi Informasi. Penelitian ini bertujuan untuk memberikan gambaran tentang implementasi program BB di daerah pedesaan. Penelitian ini dilakukan di bank yang menerapkan program BB. Unit analisis adalah Agen BB sebagai perpanjangan dari layanan perbankan terbatas di daerah pedesaan, serta usaha mikro dan kecil rumah tangga yang melakukan transaksi keuangan melalui Agen BB. Metode yang digunakan dalam penelitian ini adalah metode analisis deskriptif dengan menggunakan sumber data primer melalui kuesioner. Studi dilakukan di Kabupaten Bogor di 13 Kecamatan. Sampel agen BB dan rumahtangga usaha yang terlibat dalam BB dipilih secara ‘purposive’. Hasilnya menunjukkan bahwa transaksi paling banyak menggunakan uang tunai dan untuk transaksi pembayaran. Transaksi tabungan dan penarikan tunai, yang berkaitan dengan kegiatan produksi masih minimal. Selain itu transaksi menggunakan uang digital (T-Bank) atau BSA (Basic Saving Account) sebagai produk keuangan yang ditujukan kepada masyarakat unbanked belum berjalan. Oleh karena itu, studi ini merekomendasikan kepada Bank untuk melakukan edukasi dan memberikan informasi yang memadai untuk meningkatkan kepercayaan masyarakat kepada agen. Selain itu memberi rekomendasi kepada OJK dan BI untuk mendorong penetrasi produk BSA dan memunculkan budaya uang digital di daerah perdesaan, selanjutnya mendorong masyarakat untuk memanfaatkan jasa transaksi keuangan melalui agen BB.Kata kunci: branchless banking, jenis transaksi, instrumen transaksi, uang digital, BSA
FAKTOR YANG MEMENGARUHI KREDIT BERMASALAH BANK KONVENSIONAL DAN SYARIAH DI INDONESIA: FACTORS THAT INFLUENCE NON PERFORMING LOAN AND FINANCING IN INDONESIAN BANKING Risna Eka Pertiwi; Yusman Syaukat; Dwi Rachmina
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 6 No. 1 (2020): JABM Vol. 6 No. 1, Januari 2020
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.6.1.118

Abstract

Credit risk is the risk that occurs when the borrower cannot pay an installment in the bank, both principle and interest. A bank’s credit risk can be reflected in the value of the non-performing loan (NPL) in a conventional bank and the non-performing financing (NPF) in an Islamic bank. The study purposes were to analyze the influence of macroeconomic factors and the bank’s internal factors to NPL and NPF. The data collected were quarterly data from 2008 to 2017 from 9 conventional banks and 3 Islamic banks. This study employed a panel data method. The results showed interest rate, growth of GDP and LDR that had a probability value of < 0.05 against NPL, where at NPF only interest rate, exchange rate, growth of GDP had a probability value < 0.05. We concluded that interest rate, growth of GDP and LDR had a significant effect on NPL while interest rate, exchange rate and growth of GDP factors significantly influenced NPF. Keywords: NPL, NPF, interest rate, growth of GDP, panel data Abstrak: Risiko Kredit adalah risiko yang terjadi saat nasabah gagal memenuhi kewajibannya kepada bank, baik pokok maupun bunga. Risiko kredit bank tergambarkan dalam non performing loan (NPL) pada bank konvensional dan non performing financing (NPF) pada bank syariah. Tujuan penelitian ini adalah menganalisis pengaruh faktor makroekonomi dan internal bank terhadap NPL dan NPF. Sampel penelitian ini adalah 9 bank konvensional dan 3 bank syariah, dimana data yang digunakan adalah data triwulan dari tahun 2008 hingga 2017. Penelitian ini dianalisis menggunakan metode data panel. Hasil dari penelitian ini adalah hanya variabel suku bunga, pertumbuhan GDP dan LDR yang memiliki nilai probality < 0,05 terhadap NPL, dimana pada NPF hanya suku bunga, nilai tukar dan pertumbuhan GDP yang memiliki nilai probality > 0,05. Dari hasil tersebut dapat disimpulkan bahwa suku bunga, pertumbuhan GDP dan LDR berpengaruh signifikan terhadap NPL, sedangkan faktor yang berpengaruh signifikan terhadap NPF adalah suku bunga, nilai tukar dan pertumbuhan GDP. Kata kunci: NPL, NPF, suku bunga, pertumbuhan GDP, data panel
Implementasi Model Manajemen Perubahan Strategis Bank Pembiayaan Rakyat Syariah di Indonesia Walneg Sopia Jas; M Syamsul Maarif; Yusman Syaukat; Irfan Syauqi Beik
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 9 No. 1 (2023): JABM Vol. 9 No. 1, Januari 2023
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.9.1.163

Abstract

The complex challenges faced by BPRS in Indonesia today to maintain their existence in the mid of competition and need to be overcome by planning for strategic changes. The purpose of this study is to analyze the complexity of the problems of BPRS in Indonesia today and Its sensitive elements through a structured picture approach, and to design a strategic change management’s model. The research was conducted in Indonesia, especially the Greater Jakarta, Surabaya, Bandung, Semarang and Yogyakarta by involving the management and managerial level at BPRS. The research was carried out in December 2021 to June 2022. Research data were obtained through primary data and secondary data. The research methodology used is mixed methods which is combination beetwen quantitave and qualitative methods, Soft System Methodology (SSM) Fuzzy AHP (F-AHP) and Fuzzy ISM (F-ISM). Based on the results of the SSM analysis, it is known that the current problematic situation faced by BPRS is technological disruption, market share, economic stability, low liquidity, pandemic disruption, human resources competence, segmentation rules and the absence of suitable product or service differentiation and unique. Based on the F-AHP analysis, the strategy that is considered the most reliable and a top priority in the strategic change management model strategy of BPRS in Indonesia is strengthening the policies and institutional regulations of the BPRS. The results of the F-ISM analysis show the most optimal institutional model and strategic change management model for Sharia Rural Banks in Indonesia. Keywords: BPRS, Change Management, Sharia, Fuzzy AHP,Fuzzy ISM
Implementasi Model Manajemen Perubahan Strategis Bank Pembiayaan Rakyat Syariah di Indonesia Jas, Walneg Sopia; Maarif, M Syamsul; Syaukat, Yusman; Beik, Irfan Syauqi
Jurnal Aplikasi Bisnis dan Manajemen Vol. 9 No. 1 (2023): JABM, Vol. 9 No. 1, Januari 2023
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.9.1.163

Abstract

The complex challenges faced by BPRS in Indonesia today to maintain their existence in the mid of competition and need to be overcome by planning for strategic changes. The purpose of this study is to analyze the complexity of the problems of BPRS in Indonesia today and Its sensitive elements through a structured picture approach, and to design a strategic change management’s model. The research was conducted in Indonesia, especially the Greater Jakarta, Surabaya, Bandung, Semarang and Yogyakarta by involving the management and managerial level at BPRS. The research was carried out in December 2021 to June 2022. Research data were obtained through primary data and secondary data. The research methodology used is mixed methods which is combination beetwen quantitave and qualitative methods, Soft System Methodology (SSM) Fuzzy AHP (F-AHP) and Fuzzy ISM (F-ISM). Based on the results of the SSM analysis, it is known that the current problematic situation faced by BPRS is technological disruption, market share, economic stability, low liquidity, pandemic disruption, human resources competence, segmentation rules and the absence of suitable product or service differentiation and unique. Based on the F-AHP analysis, the strategy that is considered the most reliable and a top priority in the strategic change management model strategy of BPRS in Indonesia is strengthening the policies and institutional regulations of the BPRS. The results of the F-ISM analysis show the most optimal institutional model and strategic change management model for Sharia Rural Banks in Indonesia. Keywords: BPRS, Change Management, Sharia, Fuzzy AHP,Fuzzy ISM
Co-Authors ,, Hastuti ., Harianto A. Faroby Falatehan Abdul Kohar Irwanto Aceng Hidayat Adwiyah, Rabiatul Ahmad Fanani Ahmad Yousuf Kurniawan Ahyar Ismail Aini, Anis Nur Akhmad Fauzi Amalia Amalia Amas Priatna, Isep Amzul Rifin Anggara Ajeng Nilam Siwi Anto Ariyanto Apriyadi, Andri Arief Darjanto Arief Daryanto Arif Imam Suroso Arsyianti, Dwi Astari Miranti Atien Priyanti Atikah, Raden Muhammad Jiddan Aziz Ayu Puspito , Deffi Azhari Muslim Azizah, Irma Novita Nur Bahtiar, Rizal Bambang Juanda Bayu Krisnamurthi BONAR M. SINAGA Bonar M. Sinaga Bonar M. Sinaga Budi Yoko Bugi Biruloma Lagaida Bunasor Sanim Bustanul Arifin D. A. Rahim D. S. Priyarsono Dadang DADANG DADANG Dea Amanda Dedi Budiman Hakim Dedi Budiman Hakim Desrial, Ahmad Devi Analia, Devi Diah Khairani Dian Kurniasih Diana La Haris Djoni Hartono Dominicus Savio Priyarsono Drajad Listiyawan Dwi Rachmina Endang Sari Simanullang Erliza Noor Ernan Rustiadi Falatehan, Falatehan Falatehan, Sriwulan Ferindian Fariyanti, Anna Feryanto Feryanto Fitri Kartiasih Fitria Dewi Raswatie Fredian Tonny Nasdian Hamdan Handoko Handayani Boa Hansen Tandra Hansen Tandra Hardjanto , Arini Hardjanto, Arini Harianto Harianto Harianto Hariyadi Hariyadi Harjanto, Arini Harmini Harmini, Harmini Hartoyo Hartoyo Hastuti Hastuti Hastuti Hastuti Hendrik Johannes Nadapdap Hendro Sasongko Heny K Daryanto Heny K Suwarsinah, Heny K Hermanto Siregar Hernawati Hernawati Herwan Junaidi, Herwan Heti Mulyati Husnul Insan Ida Zulfida Idqan Fahmi IKA APRILIA Imam Teguh Saptono Indrawan, Dikky Indupurnahayu Irfan Syauqi Beik JAENAL EFFENDI Januarisky, Hanna Aditya Jas, Walneg Sopia Jibria Ratna Yasir, Jibria Ratna Jiddan Aziz, Raden Muhammad Karenina, Anna Ketsia Aprilianny Laya Khafid, Mohammad Abdul Khatimah, Khusnul Ktut Silvanita Mangani Kusriatmi, nFN Laily Dwi Arsyianti Lala M Kolopaking Latuconsina, Olivia CH Lilis Imamah Ichdayati Linda Tri Wira Astuti Listiana Widya Wanti Lukman M Baga Lukman M. Baga Lukytawati Anggraeni M. Syamsul Maarif Ma'mun Sarma Mahayana, Ni Putu Ayuning Wulan Pradnyani Malinda Noviarini Mangara Tambunan Mangara Tambunan Maria Maghdalena Diana Widiastuti, Maria Maghdalena Diana Mariyah Mariyah Marpaung, Katherine Yuliana Martokoesoemo, Dewi Ratna Sjari Ma’mun Sarma Meilina Pudjiani Meliany, Birka Septy Meti Ekayani Millenia Aurelia Moch Amron Muh Saiful Djafri Muhammad - Firdaus Muhammad Fadil Hidayat Muhammad fauzan Muhammad Firdaus Muhammad Teguh Iman Aris Bandriyo Mukhamad Najib Muryani Muryani Nastiti Siswi Indrasti nFN Sumaryanto Ni Putu Ayuning Wulan Pradnyani Mahayana Nia Kurniawati Hidayat, Nia Kurniawati NITA APRILIA NIZAR NASRULLAH Novyanti Nora Purba Nunung Kusnadi Nurlela Machmudin Nyak Ilham Oktaviani, Rina Pantjar Simatupang Pini Wijayanti Pini Wijayanti Pratama, Ahmad Herlyasa Sosro Pratama, Diva Wahyu Prihantini, Campina Illa Pudji Muljono Pudjiani, Meilina Putri, Lovina Aresta Rahim, Dian Anggraeny Rangga Ditya Yofa Relita Novianti Renea Shinta Aminda Risna Eka Pertiwi Rita Nurmalina Rustandi, Ernan Sa'id, Endang Gumbira Said, Ali Saragih, Juliando Sarma, Ma’mun Siti Allifah Slametto Slametto Soeyatno, Rahmah Farahdita Sri Hartoyo Sri Hartoyo Sri Hartoyo Sri Hartoyo Sri Herliana Sri Utami Kuntjoro Sri Utami Kuntjoro Sri Utami Kuntjoro Sugeng Budiharsono Suharno Suharno Suharno Sumaryanto, nFN Supena Friyatno Suryana, Anggita Suryana, Anggita Tresliyana Syachbudy, Qiki Qilang Syahputra, Khoirul Syauqi, Muhamad Syifa Putri Kusumaningrum Tandra, Hansen Tanti Novianti Tb. Nur Ahmad Maulana Titing Suharti Tommi Febrian Tony Irawan Tridoyo Kusumastanto Urip Rahmani Vadilaksono, Muhammad Ivan W.H Limbong Wahyudi, Bobby Walneg Sopia Jas Wanti Fitrianti Widodo W Purwanto Widyastutik Winahyu, Djatmiko Wisnu Surianugraha Yesi Dewita Sari Yofa, Rangga Ditya Yuhendra Yulianti, Ayu Yusiana, Ekalia Yusnina, Yusnina