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Aang Munawar
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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.
Pengaruh Likuiditas, Leverage, dan Profitabilitas Terhadap Pengungkapan Sustainability Report: Studi Empiris Pada Sektor Perbankan Yang Terdaftar di BEI Periode 2017 - 2020 Hermawan, Toni; Sutarti, Sutarti; Munawar, Aang
Jurnal Ilmiah Akuntansi Kesatuan Vol. 9 No. 3 (2021): JIAKES Edisi Desember 2021
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v9i3.1209

Abstract

One of the main objectives of the establishment of an entity is to achieve business continuity or sustainability in the future, a good company is always able to manage in terms of financial and non-financial. Business activities that are only profit-oriented without paying attention to the surrounding conditions will not be able to bring the company to business continuity in the future. In this case, although banking in its business activities does not directly intersect with nature, the sustainability of a company is assessed through three important aspects that become the benchmark for sustainability, one of which is economic value. The economic value of banking can be said to be very material for disclosing a sustainability report (Sustainability Report), which in this sustainability report encourages the achievement of Sustainable Development Goals for the welfare of the company's stakeholders and does not have a negative impact on the community and the environment around the company. This study aims to analyze the effect of Liquidity, Leverage, and Profitability on the disclosure of the Sustainability Report in Banking Sector Companies Listed on the Indonesia Stock Exchange for the 2017-2020 period. Profitability as an independent variable, Liquidity is proxied by the Current Ratio (CR), Leverage as an independent variable is proxied by the Dept to Assets Ratio (DAR), and Profitability is proxied by Return On Assets (ROA) while the Sustainability Report is proxied by the Sustainability Report Disclouser Index. The population in this study are banking companies listed on the Indonesia Stock Exchange (IDX) for the period 20117-2020. The sample selection method is purposive sampling method. A total of 11 companies were used as research samples for 4 years. The data in this study were obtained through the website www.idnfinancials.com to obtain the annual financial report and through the company website to obtain the company's sustainability report. Hypothesis testing in this study using multiple linear regression method. The results showed that partially liquidity and leverage had no effect on the disclosure of the sustainability report, and profitability had a significant negative effect on the disclosure of the sustainability report. Simultaneously liquidity, leverage, and profitability affect the disclosure of the sustainability report. Keywords: Liquidity, Leverage, Profitability, Sustainability Report
Pengaruh Penggunaan Internet Banking, Mobile Banking Dan SMS Banking Terhadap Kepuasan Nasabah Bank BNI Fitria, Annisa; Munawar, Aang; Pratama, Pebi Paisal
Jurnal Informatika Kesatuan Vol. 1 No. 1 (2021): JIKES Edisi Agustus 2021
Publisher : LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jikes.v1i1.406

Abstract

Berkembangnya teknologi dan informasi, bank di Indonesia mulai mengenal Internet Banking, Mobile Banking, dan SMS Banking, yang merupakan bentuk layanan perbankan secara elektronik dan melalui media internet. Dengan adanya fitur tersebut bank maupun nasabah sama-sama diuntungkan, bank dapat menghemat waktu operasionalnya dan nasabah tidak akan membuang waktu dan tenaga nya hanya untuk antri di Teller dan Costumer Service. Dengan Internet Banking, Mobile Banking, dan SMS Banking nasabah dapat melakukan transaksi dimanapun, kapanpun, dan kemanapun menjadi lebih terjaga kerahasiaannya. TUjuan Penelitian ini adalah untuk menganalisis pengaruh Internet Banking, Mobile Banking, dan SMS Banking terhadap Kepuasan Nasabah Bank BNI. Data Penelitian dianalisis menggunakan Analisis Regresu Berganda. Hasil Penelitian menunjukkan bahwa Internet Banking, Mobile Banking dan SMS Banking dengan kepuasan nasabah secara Bersama-sama berpengaruh positif dan signifikan terhadap kepuasan nasabah dengan nilai F Hitung sebesar 94.373 dan lebih besar dibandingkan F Tabel (1.985).
Pendampingan Pengembangan Kemasan Produk Bagi UMKM Kota Bogor Mashadi, Mashadi; Munawar, Aang
Jurnal Abdimas Dedikasi Kesatuan Vol. 2 No. 1 (2021): JADKES Edisi Januari 2021
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jadkes.v2i1.1402

Abstract

Kemasan (packaging) merupakan salah satu ujung tombak penjualan suatu produk. Kemasan mempunyai peranan yang sangat penting karena akan selalu terkait dengan komoditi yang dikemas dan sekaligus merupakan nilai jual dan citra produk. Nilai jual ini meningkat ketika produk yang dihasilkan mendapat nilai tambah dari kemasan yang menarik. Sedangkan citra produk terkait dengan gambaran produk dalam benak konsumen akan semakin baik apabila produk itu dikemas secara baik, dengan kata lain produk dapat memberi kesan baik bagi konsumen. Tujuan umum dari kegiatan ini adalah memberikan pelatihan tentang bagaimana para pelaku usaha UMKM Kota Bogor dapat mengembangkan kemasan produk agar produk yang dihasilkan banyak diminati oleh konsumen sehingga mereka dapat mengembangkan usahanya dengan baik dan mampu memberikan kontribusi bagi pembangunan ekonomi di Kota Bogor. Kata kunci : Kemasan, UMKM
Optimalisasi Hilirisasi Bisnis Maggot Melalui Peningkatan Sarana Dan Prasarana, Tata Kelola Dan Strategi Pemasaran Berbasis Digital Pada Bank Sampah Unit Siliwangi Bogor Nurendah, Yulia; Sutarti, Sutarti; Munawar, Aang; Mulyana, Mumuh; Nurachmad, Edi; Setiawan, Budi; Maulina, Dwi; Lestari, Febriana Indah
Jurnal Abdimas Dedikasi Kesatuan Vol. 5 No. 1 (2024): JADKES Edisi Januari 2024
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jadkes.v5i1.2273

Abstract

The aim of the Partnership-Based MSME Development activity is to resolve the problems of the Siliwangi Waste Bank Unit (BSU) as a collaboration partner. The problems faced by related partners are organizational management, resources and marketing. From an administrative point of view problems arise, for example. there are no guidelines regarding the functions and duties of organizational management, weak administrative management and financial reporting systems. In terms of resources, the problem is that BSU Siliwangi administrators are still weak in understanding organizational development, entrepreneurship and marketing strategies, Magot cultivation skills that need to be improved. The marketing problem is that BSU Siliwangi's marketing strategy has not optimally used digital technology. Based on these problems, several community partnership program activities were implemented, such as training in the use of management and information systems in partner organizations, entrepreneurship training and the use of technology in company development. Training related to organizational management consists of financial management and administration, entrepreneurship training, marketing strategies using digital technology, and Magot cultivation training. The results of this activity are: 1) Establishment of partner organization governance guidelines as well as a simple financial management and recording system for partner organizations; 2) Availability of adequate production facilities, especially vital facilities such as waste chopping machines for Magot feed; 3) Increasing understanding of management and members regarding asset management, capital, entrepreneurship and digital-based marketing strategies through soft skills training and mentoring programs; 4) Establishment of a digital marketing platform in the form of the Web and other digital features (social media Instagram and Tiktok); 5) Increased income at partner organizations; 6) Publication of the results of community partnership program activities in the form of articles in print media and activity videos; 7) Have a Business Identification Number (NIB).   Keywords: governance, marketing strategy, downstreaming, digital business, waste bank
Pendampingan Peningkatan Kemampuan Menyusun Laporan Keuangan Pelaku UMKM Kampung Cincau Kelurahan Gudang Kota Bogor Munawar, Aang; Riyadi, Rizal; Amyar, Firdaus
Jurnal Abdimas Dedikasi Kesatuan Vol. 4 No. 1 (2023): JADKES Edisi Januari 2023
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jadkes.v4i1.2426

Abstract

Pelatihan penyusunan laporan keuangan kepada para pelaku UMKM Kampung Cincau Kelurahan Gudang Kota Bogor ini bertujuan agar para pelaku UMKM dapat meningkatkan kemampuannya dalam hal pencatatan dan pengelolaan Keuangan melalui penyusunan laporan keuangan. Para pelaku UMKM belum memahami cara yang baik dalam pencatatan, khususnya yang berkaitan dengan akuntansi serta kegunaanya sehingga mereka membutuhkan dukungan dari pihak akademisi untuk mendapatkan pelatihan penyusunan laporan keuangan UMKM. Metode yang digunakan dalam pengabdian masyarakat ini adalah pelatihan dan pendampingan penyusunan laporan keuangan UMKM melaui kegitatan Tutorial dan Diskusi berkaitan dengan masalah pengelolaan keuangan masing-masing para pelaku UMKM. Metode pelaksanaan dalam kegiatan ini dilaksanakan dalam bentuk pelatihan dan Pendampingan. Hasil pelaksanaan kegiatan ini yaitu bertambahnya pengetahuan para pelaku UMKM yang tergabung serta terlatihnya mereka dalam menyusun laporan keuangan. Kata Kunci: Pelatihan, Laporan Keuangan, Jurnal
Analisis Pengaruh Dana Pihak Ketiga Dan Tingkat Suku Bunga Kredit Terhadap Profitabilitas Bank BUMN Tofan, Muhamad; Munawar, Aang; Supriadi, Yoyon; Effendy, Marwan
Jurnal Ilmiah Manajemen Kesatuan Vol. 10 No. 1 (2022): JIMKES Edisi April 2022
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v10i1.1280

Abstract

This study aims to see the effect of third parties and credit interest rates on profitability at state-owned banks. The analytical method used in this research is multiple linear regression with ROA profitability being the dependent variable and two independent variables, namely Third Party Funds and Credit Interest Rates. The results of data processing have obtained a regression model = Y: 0.934 + 2.369X1 + -0.089X2. The regression coefficient shows that if each increase in third party funds is 2.369 one unit, it is predicted that it will increase profitability by 0.934 units and vice versa. The coefficient of determination (R1) is 0.299, this shows that the variable Third Party Funds and the Credit Interest Rate contribute or influence 29% on the profitability variable ROA at BUMN Banks. Partially, the test results show that each variable of third party funds has a positive and significant effect on ROA so that it is accepted and credit interest rates have a negative and insignificant effect on ROA. Simultaneously, the results of the F test show that together the variables of Third Party Funds and Interest Rates have a significant effect on ROA so that they are accepted. Keywords: Third Party Funds, Profitability Ratios, ROA, Credit Interest Rates
Faktor Yang Mempengaruhi Return On Invested Capital: Studi pada Perusahaan Sektor Lembaga Keuangan Non Bank yang Terdaftar di Bursa Efek Indonesia Periode 2017-2021 Munawar, Aang; Zarazetari, Refazira; Srihandoko, Wimpi
Jurnal Ilmiah Manajemen Kesatuan Vol. 11 No. 1 (2023): JIMKES Edisi April 2023
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v11i1.1871

Abstract

The development of the business world is increasingly rapid accompanied by intense competition, making companies must be able to survive, one of which is by improving financial performance. Non-bank financial institution sector companies are one of the pillars of economic development. However, in the last five years, mining sector companies have experienced fluctuations in company profits due to the impact of the covid 19 pandemic, causing a decline in the company's financial performance. This research was conducted to examine the effect of intellectual capital, growth ratio, liquidity (cash ratio), efficiency (net profit margin), effectiveness (total asset turnover), and leverage (debt to asset ratio) on companies in the non-bank financial institution sector on the IDX. There are 58 population of mining sector companies listed on the IDX. The sample of this research is 35 companies' financial statements obtained by using purposive sampling method. The analytical method used is panel data regression analysis with eviews 12 tools. The results showed that intellectual capital, net profit margin, total asset turnover had a positive effect on return on invested capital (ROIC), growth ratio had a negative effect on return on invested capital (ROIC), while cash ratio and debt to asset ratio no effect on return on invested capital (ROIC). simultaneously intellectual capital, growth ratio, cash ratio, net profit margin, total asset turnover, and debt to asset ratio jointly influence return on invested capital (ROIC).    Keyword : Intellectual Capital, Growth Ratio, Cash Ratio, Net Profit Margin, Total Asset Turnover, and  Debt to Asset Rasio
Determinant of Return On Invested Capital: Empirical Study of Registered Conventional Commercial Banks on the Indonesian Stock Exchange for the 2017 - 2021 period Munawar, Aang; Harianty, Feby
Jurnal Ilmiah Manajemen Kesatuan Vol. 12 No. 3 (2024): JIMKES Edisi Mei 2024
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v12i3.2531

Abstract

The banking sector is one of the most important sectors for the modern economy, because almost every industry involved in financial activities always requires banking services. This encourages the banking industry to function properly as seen from the capital it has. The amount of Third Party Funds for commercial banks continues to increase, reflecting that banking growth is getting better. Therefore, it is important to assess banking financial performance as measured by banking financial ratios. This is the reason why researchers are interested in conducting research on what influences the ROIC of Conventional Commercial Bank Companies. This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non Performing Loans (NPL), Net Interest Margin (NIM), Cash Ratio (CR), and Intellectual Capital (IC) on ROIC in Conventional Commercial Bank companies listed on the Indonesia Stock Exchange for the 2017-2021 period. The type of research used in this research is quantitative research with non-probability sampling technique using purposive sampling design. The population in this study were 46 banking sub-sector companies listed on the Indonesia Stock Exchange. The type of data used in this study is secondary data in the form of annual financial reports of conventional commercial bank companies listed on the Indonesia Stock Exchange for 2017-2021. The data analysis technique used is the eviews 10 program. The processing method used in this study is panel data regression analysis. The results showed that partially there was a significant influence on Net Interest Margin (NIM) (regression coefficient value of 2.112874, t count value 2.973486 > t table 2.034515 and a significant value of 0.0070 <0.05) and Cash Ratio (CR) ( regression coefficient value of 0.001887, t count value 4.640386 > t table 2.034515 and a significance value of 0.0001 <0.05) on ROIC. While Capital Adequacy Ratio (CAR) (t-count value 0.598328 <t-table 2.034515 and significance value 0.5557> 0.05), Loan to Deposit Ratio (LDR) (t-count value 1.310563 <t table 2.034515 and significance value 0.2035 > 0.05) , Non Performing Loans (NPL) (t count value 0.393639 < t table 2.034515 and a significance value of 0.6976 > 0.05), and Intellectual Capital (IC) (t count value 0.948279 < t table 2 .034515 and a significance value of 0.3533 > 0.05) partially had no effect on ROIC. In addition, the results of simultaneous research Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non Performing Loans (NPL), Net Interest Margin (NIM), Cash Ratio (CR), and Intellectual Capital (IC) affect ROIC is indicated by the calculated f value of 65.88711 > f table of 2.445259 and a significance value of 0.000000 <0.05. Keywords: CAR, LDR, NPL, NIM, IC, ROIC
Analisis Kinerja Keuangan Melalui Rasio Non Performing Loan pada PT BPR Mitra Daya Mandiri Fatin, Ragil Latifah; Andrianto, Toni; Munawar, Aang
Jurnal Aplikasi Bisnis Kesatuan Vol. 4 No. 3 (2024): JABKES Edisi Desember 2024
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v4i3.2842

Abstract

Financial report analysis is very necessary for companies so that financial reports are easier to understand and comprehend by various users of financial reports in making decisions. In the analysis of financial reports will produce a measurement of financial performance in the company in a certain period, to measure financial performance can use financial ratios.To measure financial performance against non-performing loans (doubtful, substandard, bad) can use the Non Performing Loan (NPL) ratio. The Non Performing Loan (NPL) ratio contains the amount of non-performing loans (doubtful, substandard, bad) compared to the total credit provided by the bank. So that this ratio can help companies in knowing credit risk. In this final assignment, the analysis of financial performance at PT BPR Mitra Daya Mandiri uses financial reports in 2020 - 2022. Financial performance through the Non Performing Loan (NPL) ratio is still in a healthy condition based on Bank Regulation No. 13/1/PBI/2011. Although the Non Performing Loan (NPL) ratio has increased in problematic loans (doubtful, non-performing and bad) that occurred in 2020 - 2022. Keywords: financial report analysis, financial ratio, Non Performing Loan (NPL) ratio
Co-Authors ., Yudiana Aan Soelehan Agustina, Fatma Aldiansyah, Muhamad Andana, Esperaldy Muhammad Annisa Fitria Apriliani, Apriliani Arisandy, Yosy Bintang Sahala Marpaung Budi Setiawan Fatin, Ragil Latifah Firdaus Amyar Harianty, Feby Hendrawan, Ludianthara Irma Kurniawati Iwan Darmawan J.K, Andryan Elfani Jan Horas Veryady Purba Jan Horas Veryady Purba Kusumayanti, Diah Lestari, Febriana Indah Marwan Effendy Mashadi Mashadi Maulina, Dwi Mekaniwati, Ani Mumuh Mulyana Nevada, Verrel Aurellia Nurachmad, Edi Nusa Muktiadji Pratama, Pebi Paisal Ratih Puspitasari Riyadi, Rizal Srihandoko, Wimpi Suryanti, Cecilia valentina Sri Hadi Sutarti Sutarti Tofan, Muhamad Toni Andrianto Toni Hermawan, Toni Tresnowati, Mega Widiastuti, Uning Yayuk Nurjanah Yose Rizal Yoyon Supriadi Yulia Nurendah Zarazetari, Refazira Zul Azhar