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Strategi Optimasi Sistem Manajemen Risiko Pembiayaan pada Bank Jabar Banten Syariah Adnan Sharif; Abdul Kohar Irwanto; Tubagus Nur Ahmad Maulana
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 10 No. 2 (2015): MANAJEMEN IKM
Publisher : Institut Pertanian Bogor

One of the success indicator for the bank into manage their financing risk is a Non Performing Financing (NPF) level. On the last three years, BJB Syariah’s NPF trend keep increased, then be required a research to find out profile and financing risk level that be faced by BJB Syariah. This research has some objective to: (1) Analyzing of financing risk level that be faced by BJB Syariah and (2) Analyzing, reviewing of management such as mitigation program for financing risk that be faced by BJB Syariah. To analyzing financing risk level has been used CreditRisk+ model, meanwhile to reviewing management and financing risk mitigation has been used internal and external analysis, SWOT analysis (Strengths, Weaknesses, Opportunities and Threats) and AHP (Analytical Hierarchy Process). The result from this research is profile and financing risk level of BJB Syariah still quite fit. This matter looks from expected loss period 2012-2014 still can be covered by reserved productive asset that has been done by BJB Syariah. Strategy that needed to be performed as follows enhancement director act to make a financing strategic policy such as financing portfolio spread for industry sectors that has fit prospect, making feasibility valuation for new debtor with more prudent and right on target also strengthen character valuation for new debtor using credit bureau until scorecard method

Pengaruh Pengungkapan Corporate Social Responsibility terhadap Nilai Perusahaan pada Indeks Saham LQ45 Gusfarini Fauziah; Abdul Kohar Irwanto; Muhammad Syamsun
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 11 No. 1 (2016): MANAJEMEN IKM
Publisher : Institut Pertanian Bogor

CSR disclosure in Indonesia were still low and voluntary. CSR disclosure is expected to increase positive image of the company and attract investors to invest. This study aims: (1) analyze the effect of CSR disclosure toward corporate financial performance of LQ45 stock index (2) analyze the effect of CSR disclosure toward corporate stock performance of LQ45 stock index and (3) analyze the effect of financial performance toward corporate stock performance of LQ45 stock index. This study used the annual report and financial report of the sample companies on 2013. Test of relationship influences of CSR disclosure toward corporate value were measured by Structural Equation Modelling (SEM). The results of this study showed valid indicators as a measurement construct of CSR disclosure in the LQ45 stock index were environment and society but economic, Human Rights (HAM), social and product responsibility indicators were invalid. Valid indicators of financial performance as a measurement constructs were ROA but DER, DAR, NPM, and ROE were invalid. While PBV was valid as a measure of stock performance construct but EPS were invalid. The results of hypothesis testing explained CSR disclosure were not significant effect on the finansial performance and had negatively related. CSR disclosure were not significant effect on the stock performance and had negatively related. However financial performance were significant effect on the stock performance and had positively related.

Peran Atribut Produk dalam Keputusan Pembelian Terkait Strategi Pemasaran Soyjoy di Area Bogor - Rheinnadia; Abdul Kohar Irwanto; Mukhamad Najib
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 11 No. 2 (2016): Manajemen IKM
Publisher : Institut Pertanian Bogor

Food business competition in Indonesia is very diverse, because this promising industry is populated only by several large and small companies. Among the wide range of products produced by the company, there are not many food products making health as daily consumption product. Soyjoy is the first healthy product bar in Indonesia. Soyjoy sales in the Bogor area actually showed growth each year. These conditions encourage PT Amerta Indah Otsuka as Soyjoy producer to innovate and develop products with different attributes of the product in order to attract consumers to make purchases. This research is aimed to describe the Soyjoy consumer characteristics and sales trends in the area of Bogor, the effect of quality, brand image, pricing, and packaging (jointly or partial) on Soyjoy consumer buying interest and which attributes is the most dominant influence on buying interest Soyjoy in Bogor area analyzed by Structural Equation Modeling (SEM). The study showed that the quality, brand image and price positive and significant impact on consumer buying interest, and consumer buying interest and a significant positive influence on purchasing decisions. This research may provide an answer to the problem that quality is the consumer top priority in determining the choice between healthy snacks in the market. To improve purchasing decisions, companies need to increase buying interest in advance through product quality, brand image and price.

ANALISIS PENGARUH RASIO KEUANGAN TERHADAP PROBABILITAS KEBANGKRUTAN EMPAT BANK DALAM KELOMPOK LG 45 DI BURSA EFEK INDONESIA Sekargita Agus; Abdul Kohar Irwanto; Tubagus Nur Ahmad Maulana
Widyariset Vol 17, No 1 (2014): Widyariset
Publisher : Pusbindiklat - LIPI

Bank is an entity that acts as a financial intermediary that puts the public funds entrusted to it, to be dis- tributed back to the community in form of loans, and the business world at large in form of credit. Outstanding funds through banks can be optimized to support the investment, which in turn encourages economic growth, and improves standards of living and equitable development. Therefore, the banking operations should be monitored closely by the stakeholders. The purpose of this study was to analyze the probability of bankruptcy of the banking sector and to analyze the relationship between accounting information in form of financial ratios (APB, ROA, ROA, ROE, LDR, NPL, ATTM, CAR, and NIM) to the probability of default (PD) by using KMV Merton. The object of this study is banks that are consistent listed in LQ 45 period 2009–2012 and issuing bond. The research result showed that the probability of bank failure from KMV Merton models give an indication of low level of bank failures with the highest rating of AAA, so PT Bank Rakyat Indonesia Tbk., PT Bank Mandiri Tbk, PT Danamon Indonesia Tbk., and PT BPD of West Java and Banten Tbk. are worth to be invested. The regression analysis of financial ratios can explain 88.44% in PD equation model. Based on the regression analysis performed, the independent variables in the regression have a significant effect on the dependent variable of the banks listed in LQ-45, which is the Operating Expenses to Operating Income (ROA) has a positive influence on PD and Against Capital Fixed Assets (ATTM ) has a negative effect on PD.

MANAJEMEN KONSERVASI ENERGI LISTRIK MELALUI PENDEKATAN FINANCIAL ASSESSMENT PADA PT XYZ Ajen Mukarom; Abdul Kohar Irwanto; Armansyah H. Tambunan
Widyariset Vol 17, No 1 (2014): Widyariset
Publisher : Pusbindiklat - LIPI

ThisresearchdiscussestheimplementationofelectricalenergyconservationmanagementatPT XYZ.The method used in this research utilizes measurement, survey, and interview. The data analysis includes descriptive analysis,EnergyConsumptionIntensity(IKE)measurement,identification ofenergysavingopportunities,and financialassessmentanalysisapproach.Theresultsofthisresearchshowthattheusagelevelandelectricalenergy costandIKEvalueon PTXYZduring2012fluctuatedbuttheytendtodecline,theelectricityqualityofcosphi, electrical current unbalance, electrical frequency, voltage and current harmonic are still quite good. However, the maximum value of electrical current unbalance exceeds the standard value, mainly in TR2/AC. Based on the observationandmeasurementontheOverallThermalTransferValue,ventilatingandairconditioning,andbuild- ing illumination areal system are suitable to the Indonesia National Standards (SNI). However, there are several ways to achieve the electrical energy conservation in ventilating and air conditioning, and lighting systems.MANAJEMEN KONSERVASI ENERGI LISTRIK MELALUI PENDEKATAN FINANCIALASSESSMENT PADAPTXYZ

INVESTMENT POTENTIAL AND THE EFFECT OF FINANCIAL RATIOS STOCK RETURN IN MINING SECTOR IN ENVIRONMENT PRO STOCK INDEX AND SHARIA Heni Istianawati; Abdul Kohar Irwanto,; Mukhamad Najib
Widyariset Vol 18, No 1 (2015): Widyariset
Publisher : Pusbindiklat - LIPI

Investment is an investing activity on a company of aimed to obtain the return. One of the interesting investmentsfor investors is investing in the mining sector because of large amount of return obtained in a short time.Before choosing which stocks to be invested in the mining companies, investors need to look at the companyperformance to avoid the risk. The purposes of this study are to examine the investment potential and analyze theinfluence of financial ratios (CR, DER, EPS, ROE, TATO, ROA, PER, NPM) on stock returns in the mining sector.The object of this research is mining companies who are listed on index SRI-Kehati and Jakarta Islamic Index(JII) period 2010–2013 consistently. The method used was descriptive analysis to calculate Tobin‘s Q score tolook at potential investments. Panel data regression analysis was conducted to see the effect of financial ratios tostock return. The results show that PTBA and MEDC have high investment potential from 2010–2013. Becausethe company’s Tobin‘s Q score acquired above 1 for four consecutive years, while the explanatory variables havea positive and significant effect on stock returns is CR, EPS, ROA, and PER. PTBA is the highest average score ofCR, EPS, ROA, and PER compared to the other mining companies. Therefore, PTBA is the best choice of investmentfor investors, specifically in the mining sector.

Analisis Pengaruh Corporate Governance, Corporate Social Responsibility, dan Corporate Financial Performance terhadap Perusahaan Indeks Kompas100 (The Influence Analysis of Corporate Governance, Corporate Social Responsibility, and Corporate Financial Performance to Companies in Kompas100 Index) Annisa Putri Caesari; Abdul Kohar Irwanto; Muhammad Syamsun
Jurnal Sains Terapan : Wahana Informasi dan Alih Teknologi Pertanian Vol. 5 No. 1 (2015): Jurnal Sains Terapan, Volume 5, Nomor 1, Tahun 2015
Publisher : IPB University

The main objective of a company in running its operational activities is to maximize profit. Apart from that, the company is also obliged to provide maximum contribution to the community. To accommodate the objectives and obligations, the company may apply a system called Corporate Governance (CG). The company can also implement Corporate Social Responsibility (CSR) as its significant step in contributing to the community. The implementation of CG and CSR is related because CSR is a consequence of CG implementation. In addition to CG and CSR are interconnected, CG and CSR are also interconnected with Corporate Financial Performance (CFP). Through the implementation of CG, the company can improve CFP. The relationship between CSR and CFP can be associated positively or negatively. The research was conducted on 100 companies listed in Kompas100 index to determine the influence of CG to CSR, influence of CG to CFP, influence CSR to CFP, and influence of CG to the CFP with CSR as a moderating variable. Structural equation modeling (SEM) analysis was used to determine the relationship of these three variables. The results showed that CG influenced positively to CSR, but influenced negatively to CFP. Likewise, CSR influenced negatively to CFP. Due to the negative influence of CG to CFP and CSR to CFP, CG also influenced negatively to the CFP through the disclosure of CSR as moderating variable.Keyword: corporate governance, corporate social responsibility, corporate financial performance, Indeks Kompas100

MANAJEMEN KONSERVASI ENERGI LISTRIK MELALUI PENDEKATAN FINANCIAL ASSESSMENT PADA PT XYZ Ajen Mukarom; Abdul Kohar Irwanto; Armansyah H. Tambunan
Widyariset Vol 17, No 1 (2014): Widyariset
Publisher : Pusbindiklat - LIPI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14203/widyariset.17.1.2014.71-82

ThisresearchdiscussestheimplementationofelectricalenergyconservationmanagementatPT XYZ.The method used in this research utilizes measurement, survey, and interview. The data analysis includes descriptive analysis,EnergyConsumptionIntensity(IKE)measurement,identification ofenergysavingopportunities,and financialassessmentanalysisapproach.Theresultsofthisresearchshowthattheusagelevelandelectricalenergy costandIKEvalueon PTXYZduring2012fluctuatedbuttheytendtodecline,theelectricityqualityofcosphi, electrical current unbalance, electrical frequency, voltage and current harmonic are still quite good. However, the maximum value of electrical current unbalance exceeds the standard value, mainly in TR2/AC. Based on the observationandmeasurementontheOverallThermalTransferValue,ventilatingandairconditioning,andbuild- ing illumination areal system are suitable to the Indonesia National Standards (SNI). However, there are several ways to achieve the electrical energy conservation in ventilating and air conditioning, and lighting systems.MANAJEMEN KONSERVASI ENERGI LISTRIK MELALUI PENDEKATAN FINANCIALASSESSMENT PADAPTXYZ

INVESTMENT POTENTIAL AND THE EFFECT OF FINANCIAL RATIOS STOCK RETURN IN MINING SECTOR IN ENVIRONMENT PRO STOCK INDEX AND SHARIA Heni Istianawati; Abdul Kohar Irwanto,; Mukhamad Najib
Widyariset Vol 18, No 1 (2015): Widyariset
Publisher : Pusbindiklat - LIPI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14203/widyariset.18.1.2015.25-36

Investment is an investing activity on a company of aimed to obtain the return. One of the interesting investmentsfor investors is investing in the mining sector because of large amount of return obtained in a short time.Before choosing which stocks to be invested in the mining companies, investors need to look at the companyperformance to avoid the risk. The purposes of this study are to examine the investment potential and analyze theinfluence of financial ratios (CR, DER, EPS, ROE, TATO, ROA, PER, NPM) on stock returns in the mining sector.The object of this research is mining companies who are listed on index SRI-Kehati and Jakarta Islamic Index(JII) period 2010–2013 consistently. The method used was descriptive analysis to calculate Tobin‘s Q score tolook at potential investments. Panel data regression analysis was conducted to see the effect of financial ratios tostock return. The results show that PTBA and MEDC have high investment potential from 2010–2013. Becausethe company’s Tobin‘s Q score acquired above 1 for four consecutive years, while the explanatory variables havea positive and significant effect on stock returns is CR, EPS, ROA, and PER. PTBA is the highest average score ofCR, EPS, ROA, and PER compared to the other mining companies. Therefore, PTBA is the best choice of investmentfor investors, specifically in the mining sector.

ANALISIS PENGARUH RASIO KEUANGAN TERHADAP PROBABILITAS KEBANGKRUTAN EMPAT BANK DALAM KELOMPOK LG 45 DI BURSA EFEK INDONESIA Sekargita Agus; Abdul Kohar Irwanto; Tubagus Nur Ahmad Maulana
Widyariset Vol 17, No 1 (2014): Widyariset
Publisher : Pusbindiklat - LIPI

Bank is an entity that acts as a financial intermediary that puts the public funds entrusted to it, to be dis- tributed back to the community in form of loans, and the business world at large in form of credit. Outstanding funds through banks can be optimized to support the investment, which in turn encourages economic growth, and improves standards of living and equitable development. Therefore, the banking operations should be monitored closely by the stakeholders. The purpose of this study was to analyze the probability of bankruptcy of the banking sector and to analyze the relationship between accounting information in form of financial ratios (APB, ROA, ROA, ROE, LDR, NPL, ATTM, CAR, and NIM) to the probability of default (PD) by using KMV Merton. The object of this study is banks that are consistent listed in LQ 45 period 2009–2012 and issuing bond. The research result showed that the probability of bank failure from KMV Merton models give an indication of low level of bank failures with the highest rating of AAA, so PT Bank Rakyat Indonesia Tbk., PT Bank Mandiri Tbk, PT Danamon Indonesia Tbk., and PT BPD of West Java and Banten Tbk. are worth to be invested. The regression analysis of financial ratios can explain 88.44% in PD equation model. Based on the regression analysis performed, the independent variables in the regression have a significant effect on the dependent variable of the banks listed in LQ-45, which is the Operating Expenses to Operating Income (ROA) has a positive influence on PD and Against Capital Fixed Assets (ATTM ) has a negative effect on PD.

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