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Tinjauan Atas Prosedur Kredit Modal Kerja Kepada Nasabah PERUMDA BPR Bank Kota Bogor Paramita, Atala; Muktiadji, Nusa; Tobing, Maju Lumban
Jurnal Aplikasi Bisnis Kesatuan Vol. 2 No. 3 (2022): JABKES Edisi Desember 2022
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v2i3.1498

Abstract

PERUMDA BPR Bank Kota Bogor, merupakan bank milik pemerintah daerah yang memiliki tugas menghimpun dana dari masyarakat dan menyalurkan kembali dana tersebut kepada masyarakat lain yang kekurangan dana. Penyaluran dana dilakukan oleh bank melalui produk kredit. Ada beberapa jenis produk kredit bank, salah satunya adalah Kredit Modal Kerja. Bank menyalurkan kredit modal kerja kepada suatu perusahaan atau badan usaha bertujuan agar perusahaan atau badan usaha yang didanai oleh bank dapat menjalankan usahanya dengan baik karena tercukupinya dana kebutuhan operasional perusahaan. Namun dalam memberikan kredit modal kerja bank memiliki beberapa risiko, oleh karena itu sebelum memutuskan untuk memberikan kredit modal kerja pada suatu perusahaan atau badan usaha, bank harus melaksanakan prosedur pemberian kredit modal kerja sesuai dengan SOP yang berlaku yang disertai dengan melakukan beberapa analisa pemberian kredit. Adapun prosedur yang sesuai SOP dan analisa tersebut yaitu, menerima berkas permohonan kredit calon debitur, melakukan survei, melaksanakan tahap pengumpulan dan verifikasi berkas, menerapkan analisa 6C untuk meminimalisir terjadinya risiko eksternal yang disebabkan oleh nasabah, dan melakukan analisa manajemen risiko untuk mengetahui risiko dari internal bank pada saat memberikan kredit, hingga berakhir pada tahapan dokumentasi dan administrasi pencairan kredit. Kata Kunci : BPR, Kredit Modal Kerja, Prosedur.
Tinjauan Atas Sistem Penerimaan Kas Dan Pengeluaran Kas Pada Klub Golf Bogor Raya Putri, Firli Febiyoti; Supriadi, Yoyon; Muktiadji, Nusa; Nurisnaini, Neni
Jurnal Aplikasi Bisnis Kesatuan Vol. 3 No. 1 (2023): JABKES Edisi April 2023
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v3i1.1865

Abstract

ABSTRACTIn the process of cash receipts and cash disbursements, it is necessary to have an appropriate system so that the implementation can be carried out smoothly. As with cash receipts and cash disbursements, they must have complete books and records so that the cash receipts system and cash disbursement system can be controlled properly.The purpose of the discussion in this study is to find out how the cash receipts system and cash disbursement system exist at PT. Bogor Raya Development (Bogor Raya Golf Club). To achieve clear and directed discussion targets, the authors formulate problems regarding the Cash Receipt System, Cash Disbursement System, the constraints that arise in the implementation of cash receipts and cash disbursements, and how the solution is to resolve these obstacles.The results that have been discussed show that cash receipts at PT. Bogor Raya Development (Bogor Raya Golf Club) is sourced from cash sales or payments by receivables from restaurants and proshops, payment of golf membership fees and from wedding event reservations. While cash disbursements at PT. Bogor Raya Development (Bogor Raya Golf Club) is carried out only for the company's operational activities and is recorded in the company's bookkeeping system.Keywords : Cash, Cash Receipt, Cash Disbursement.
Penerapan Prosedur Penerimaan dan Pengeluaran Kas Pada PT. Dragon Product Indonesia Factory Rizkian, Nashrulloh Hikam Cahya; Muktiadji, Nusa; Arif, Bahtiar
Jurnal Aplikasi Bisnis Kesatuan Vol. 3 No. 3 (2023): JABKES Edisi Desember 2023
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v3i3.1921

Abstract

Dalam prosedur penerimaan serta pengeluaran kas sangat diperlukan terdapatnya prosedur yang baik serta cocok dengan kebijakan yang sudah diresmikan oleh perusahaan. Penerimaan serta pengeluaran kas jika dilaksanakan tidak sesuai dengan prosedur yang telah ditetapkan, akan menyebabkan terjadinya penyimpangan dalam penerimaan serta pengeluaran kas yang bisa menyebabkan kerugian bagi perusahaan, mengingat kas ini bersifat likuid dan mudah terjadi kecurangan. Jumlah rekening kas perusahaan yang dilaporkan dalam laporan keuangan akan semakin dapat diandalkan, bila prosedur penerimaan serta pengeluaran kas perusahaan dirancang dengan baik. Tujuan dari tugas akhir untuk mengetahui : 1) Bagaimana sistem dan prosedur penerimaan kas pada PT Dragon ; 2) Bagaimana sistem dan prosedur pengeluaran kas pada PT Dragon Product Indonesia? Hasil peninjauan ini menunjukan bahwa prosedur penerimaan kas serta pengeluaran kas pada PT. Dragon Product Indonesia Factory telah dilaksanakan dengan baik serta cocok dengan prosedur yang sudah diresmikan, dimana segala proses penerimaan kas serta pengeluaran kas wajib mendapatkan persetujuan dari pihak yang berwenang. Namun masih terdapat kekurangan, yaitu belum dilakukannya pemecahan tugas antara fungsi satu dengan fungsi lainnya, yang mengakibatkan keamanan kurang terjamin.
Implementasi Sistem Penagihan Piutang Jasa Body Repair Pada PT. Setiajaya Toyota Body And Paint Depok Prayoga, Rizky; Muktiadji, Nusa; Roup, Abdul; Iriyadi, Iriyadi
Jurnal Aplikasi Bisnis Kesatuan Vol. 4 No. 1 (2024): JABKES Edisi April 2024
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v4i1.1931

Abstract

The sale of body repair services is an effort to restore the condition and function of a vehicle damaged by the use of the vehicle to its original condition. The provision of body repair services can be done on credit, by the customer making a claim for damage to the vehicle to the insurance company, then the customer makes an advance payment, then the payment will be made by the insurance company in several installments or paid at once at maturity according to the total customer claim. Directly the sale of service services on credit will generate an account receivable. The purpose of the discussion of this final project is to find out how the sale of vehicle body repair services, which involves what documents are used for billing to the insurance, functions and procedures for providing body repair services and collecting receivables from body repair services. The results of the discussion show that the system for selling vehicle body repair services on credit at PT Setiajaya Toyota Body & Paint has been carried out quite well, it can be seen from its functions such as sales, warehouse, shipping, and billing functions for the sale of vehicle body repair services on credit. Documents used for billing to insurance are Work Order (SPK), Work Order (WO), Supply Slip (SS), Receipt, Tax Invoice, Epoxy Photo, and Document Receipt. Sales procedures for body repair services and also billing for body repair services that are applied are in accordance with the SOP of the company.   Keywords: System, Sales of Body Repair Services
Tinjauan Prosedur Pengelolaan Kas Pada Biro Umum Dan Keuangan Badan Informasi Geospasial Srihandoko, Wimpi; Yuliani, Renita; Muktiadji, Nusa
Jurnal Aplikasi Bisnis Kesatuan Vol. 3 No. 1 (2023): JABKES Edisi April 2023
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v3i1.2013

Abstract

An organization in carrying out its activities definitely requires cash to finance these activities. Cash is the most liquid asset among other assets and plays an important role in the sustainability of the organization. Without cash, an organization will have difficulty meeting its short-term obligations, paying employee salaries, paying monthly utilities, and so on. For this reason, proper management is needed in order to optimize the use of cash. In the final project report which was prepared based on the drafter's apprenticeship at the Bureau of General Affairs and Finance of Badan Informasi Geospasial, cash management was carried out based on procedures prepared and approved by the authorities involved. The purpose of carrying out this final project is to review procedures for cash management starting from cash submission, cash disbursement, cash accountability related to disbursement/use of cash, to recording cash receipts and disbursements at the Bureau of General Affairs and Finance of the Geospatial Information Agency. The data related to cash management procedures mentioned earlier are sourced from real practices carried out at the General and Financial Bureau of Badan Informasi Geospatial. Badan Informasi Geospasial is a Non-Ministerial Government Institution coordinated under the Minister of National Development Planning. Therefore, the source of cash is not only revenue from the sale of goods and services, but also from the State Treasury. All procedures related to cash management that have been carried out at the General and Financial Bureau of Badan Informasi Geospasial are based on regulations that have been ratified and approved to be implemented. Even though this procedure was carried out properly, there were several problems related to the completeness of the documents and the ability of its human resources regarding matters relating to the implementation of procedures using digital technology Keywords : cash management, procedure
TINJAUAN ATAS PROSEDUR PEMBERIAN KREDIT DI PERUMDA BPR BANK KOTA BOGOR Aldiansyah, Muhamad; Munawar, Aang; Muktiadji, Nusa
Jurnal Aplikasi Bisnis Kesatuan Vol. 3 No. 3 (2023): JABKES Edisi Desember 2023
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v3i3.2046

Abstract

Bank merupakan lembaga yang fungsi utamanya adalah menghimpun dan menyalurkan dana masyarakat. Penghimpunan dana dilakukan melalui produk simpanan dan penyaluran dana melalui fasilitas kredit, kredit merupakan usaha utama bank dalam mencari keuntungan, dalam pemberian kredit bank menerapkan prinsip kehati-hatian agar tidak terjadinya kredit macaset dan kembalinya dana yang disalurkan oleh pihak bank kepada masyarakat ini, untuk menjalankan prinsip kehati-hatian pihak bank membuat prosedur atau tahapan dari pemberian kredit, agar memberikan efisiensi pada pemberian kredit dan meminimalisir resiko terjadinya kredit macet.Tujuan dari penulisan Tugas Akhir ini adalah untuk mengetahui prosedur dalam pemberian kredit di Perumda BPR Bank Kota Bogor, serta untuk mengetahui hambatan yang terjadi dalam proses pemberian dan bagaimana solusi dari hambatan tersebut. Hasil pembahasan menunjukkan bahwa Perumda BPR Bank Kota Bogor melaksanakan pemberian kredit sesuai dengan prosedur yang telah dibuat walaupun dalam prosesnya terjadi beberapa hambatan akan tetapi pihak Perumda BPR Bank Kota Bogor mampu mengatasi hambatan tersebut. Kata Kunci : Bank, Prosedur, Kredit.
The Effect Of Working Capital Turnover, Profitability, Liquidity And Solvency On Stock Prices: Study of the Telecommunications Sub Sector Listed on the Indonesian Stock Exchange for the 2013 – 2022 Period Yudha, Muhammad Bentar Brahmin; Muktiadji, Nusa; Nurisnaini, Neni
Jurnal Ilmiah Akuntansi Kesatuan Vol. 12 No. 2 (2024): JIAKES Edisi April 2024
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v12i2.2026

Abstract

This study aims to determine the effect of working capital turnover, profitability, liquidity, solvency on the stock price of telecommunication companies for the period 2013 - 2022, both partially and simultaneously. The financial ratios studied are: Working Capital Turnover (WCTO), Net Profit Margin (NPM) Current Ratio (CR) and Debt Equity Ratio (TATO) to stock prices. The population in this study is the telecommunications subsector listed on the Indonesia Stock Exchange (IDX) from 2013 to 2022. The research sample was 7 telecommunications sector companies obtained using purposive sampling technique. The data collection technique used is documentation. Data analysis was carried out using panel data analysis techniques. The results shown that partially the Working Capital Turnover, Profitability, and Solvency variables had a significant positive effect on stock prices. While the Liquidity variable has no significant effect on stock prices. However, the results of the study simultaneously variables Working Capital Turnover, Profitability, Liquidity, Solvency affect stock prices. Keywords: Working Capital Turnover, Profitability, Liquidity, Solvency on Stock Price
Analysis Of Return On Assets And Dividend Payout Ratio On Stock Performance: Case Study of Pharmaceutical Companies Listed on the Indonesian Stock Exchange for the 2017-2022 Period Muktiadji, Nusa; Amanda, Beautiful Dinda; Khim, Soei
Jurnal Ilmiah Akuntansi Kesatuan Vol. 12 No. 2 (2024): JIAKES Edisi April 2024
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v12i2.2548

Abstract

This study aims to determine the Analysis of Return on Assets and Dividend Payout Ratio on Stock Performance (Case Study of Pharmaceutical Companies Registered on the Indonesia Stock Exchange for the 2017-2022 period). The population in this study were 12 pharmaceutical companies listed on the IDX and 6 samples. Companies with 6 years of data. The sampling method used is the non-random sampling method. The data analysis method used is multiple linear regression analysis to determine the effect of profitability, market ratios and interest rates on stock prices. Testing data was carried out using IBM SPSS Statistics 25 Software. From the results of the regression analysis test, it is obtained that the t value is - 2.049 with a significance level of 0.048 (0.048 <0.05) so that the variable Return on Assets (X1) has a significant effect on stock prices, which means H1 is acceptedFrom the results of the regression analysis test, it was obtained that the t value was 1.478 with a significance level of 0.149 (0.149 > 0.05), so the dividend payout ratio (X2) variable did not significantly affect stock prices, which means H2 was rejected. From the results of the regression analysis test, the calculated f value was obtained. of 3.631 with a significance level of 0.038 (0.038 <0.05) then the variables Return on Assets and Dividend Payout Ratio have a simultaneous and significant effect on stock prices, which means H3 is accepted. Keywords : Profitability, Market Ratio, Stock Prices
PKM Donasi Alat Pelindung Diri Bagi Tenaga Kesehatan Puskesmas di Kota Bogor pada Masa Pandemi Covid-19 Muktiadji, Nusa; Rainanto, Bambang Hengky; Cahyani, Nani; Herawati, Heti; Mulyana, Mumuh; Noor, Tubagus Dicky Faldy Syahid
Jurnal Abdimas Dedikasi Kesatuan Vol. 1 No. 2 (2020): JADKES Edisi Desember 2020
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jadkes.v1i2.479

Abstract

Kegiatan donasi saat ini sangat dibutuhkan, karena adanya wabah pandemic covid-19 yang terlah menyebar di Indonesia sejak Maret 2020 dengan kasus terkonfirmasi positif hingga 2 Juni 2020 sebanyak 27.549 orang. menyebabkan masker yang sangat dibutuhkan menjadi langka dan memiliki harga yang cukup tinggi dan tidak terjangkau. Di sisi lain, selain para tenaga medis yang membutuhkan masker, para masyarakat pun memerlukannya. Selain masker, kebutuhan akan sabun cuci tangan yang cukup tinggi membuatnya mahal Oleh karena itu, kegiatan donasi dirasa sangat diperlukan untuk membantu dan meringankan beban bagi masyarakat ataupun tenaga medis. Mengingat bahwa seluruh lapisan masyarakat dari berbagai bidang terkena dampak yang signifikan dari merebahnya wabah pandemi covid-19. Seluruh elemen masyarakat, tak terkecuali institusi pendidikan ikut bahu membahu untuk meringankan beban yang dirasakan.
Pelatihan Dan Pendampingan Pembukuan Keuangan Digital Menggunakan Aplikasi Buku Kas Bagi UMKM Kelurahan Gudang Kota Bogor Subowo, Hery; Djanegara, Moermahadi Soerja; Ishardyatmo, Handono; Muktiadji, Nusa
Jurnal Abdimas Dedikasi Kesatuan Vol. 4 No. 2 (2023): JADKES Edisi Juli 2023
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jadkes.v4i2.2428

Abstract

Di era digital saat ini, masih banyak UMKM yang melakukan pencatatan manual khususnya UMKM di kelurahan Gudang Kabupaten Bogor. Banyak aplikasi yang menyediakan kemudahan bagi pelaku usaha untuk meyusun laporan keuangan. Pencatatan secara digital saat ini sudah mulai menggantikan pencatatan secara manual. Kemudahan dan kesederhaan dalam pemakaiannya sangat membantu pelaku usaha untuk menyusun laporan keuangan dan menghindari terjadinya kesalahan pencatatan. Dengan mensosialisasikan aplikasi Buku Kas dapat membantu pelaku usaha dalam mencatat transaksi keuangan Pemasukan dan Pengeluaran secara digital. Tujuan pengabdian masyarakat kepada UMKM ini adalah untuk mencatat transaksi keuangan menggunakan aplikasi Buku Kas secara sederhana. Metode yang digunakan adalah service learning, dimulai dari tahap persiapan, tahap pengabdian dan refleksi. Hasil dari kegiatan ini para pelaku UMKM dapat menggunakan aplikasi BukuKas, dapat mengoperasikan transaksi di Buku Kas, dan dapat mengetahui harga pokok penjualan, membuat pencatatan keuangan dan membuat laporan keuangan. Kata Kunci: Laporan Keuangan, Digital, buku Kas