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ANALISIS RASIO KECUKUPAN MODAL, KELANCARAN KREDIT DAN BIAYA OPERASIONAL PENGARUHNYA TERHADAP KEMAMPUAN MENGHASILKAN LABA PADA PT BANK OCBC NISP, Tbk Nani, Nani; Astutik, Endang Puji; Rozi, Fahrur
JURNAL SeMaRaK Vol. 4 No. 3 (2021): JURNAL SeMaRaK
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/smk.v4i3.13420

Abstract

Penelitian ini dilakukan untuk mengetahui pengaruh antara rasio kecukupan modal (Capital Adequacy Ratio),kelancaran kredit (Loan to Deposits Ratio) dan biaya operasional (BOPO) terhadap kemampuan menghasilkan laba pada PT.Bank OCBC NISP,Tbk. Jenis penelitian adalah kuantitatif. Data yang digunakan bersumber dari laporan keuangan melalui annual report PT. Bank OCBC NISP,Tbk periode tahun 2014-2019. Uji Statistik yang digunakan untuk mengolah data yaitu regresi berganda dan uji asumsi klasik. Dari penelitian ini dapat disimpulkan bahwa secara simultan antara rasio kecukupan modal,kelancaran kredit dan biaya operasional memiliki dampak yang positif dan signifikan pada kemampuan perusahaan untuk menghasilkan laba.
PENGEMBANGAN SISTEM ANGGARAN SEDERHANA (ANGGARAN KAS DAN PENJUALAN) UNTUK MENINGKATKAN EFEKTIVITAS PENGELOLAAN KEUANGAN PADA PABRIK TEMPE GUNUNG SULAH Haryanto, Ruli; Aprilia, Eka; Nani, Nani; Lia, Sevika Nopa; Azzahra, Syifa
COMMUNITY : Jurnal Pengabdian Kepada Masyarakat Vol. 6 No. 1 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/community.v6i1.8370

Abstract

ABSTRACT Unstructured financial management remains a major problem among micro and small enterprises, including the Gunung Sulah Tempe Factory, resulting in weak cash flow control and inadequate business planning. This study aims to design and implement a simple budgeting system consisting of a cash budget and a sales budget to improve the effectiveness of financial management and business resilience. The study employs a qualitative descriptive approach, with data collected through observation, in-depth interviews with the business owner, and analysis of available financial documents. The research stages include identifying initial conditions, developing budget formats tailored to business characteristics, implementing the budgets in operational activities, and evaluating the effectiveness of their application. The results indicate that the simple budgeting system improves the regularity of financial record-keeping, helps the business owner project cash flows and set sales targets more rationally, and reduces the risk of cash shortages. Therefore, the implementation of a simple budgeting system not only supports more effective financial management but also contributes to enhancing the resilience and sustainability of micro enterprises with limited resources and accounting knowledge. ABSTRAK Pengelolaan keuangan yang belum terstruktur masih menjadi permasalahan utama pada usaha mikro dan kecil, termasuk Pabrik Tempe Gunung Sulah, yang berdampak pada lemahnya pengendalian arus kas dan perencanaan usaha. Penelitian ini bertujuan merancang dan menerapkan sistem anggaran sederhana berupa anggaran kas dan anggaran penjualan sebagai upaya meningkatkan efektivitas pengelolaan keuangan dan ketahanan usaha. Penelitian menggunakan pendekatan deskriptif kualitatif dengan teknik pengumpulan data melalui observasi, wawancara mendalam dengan pemilik usaha, serta analisis dokumen keuangan. Tahapan penelitian meliputi identifikasi kondisi awal, penyusunan format anggaran sesuai karakteristik usaha, penerapan dalam kegiatan operasional, dan evaluasi hasil implementasi. Hasil penelitian menunjukkan bahwa sistem anggaran sederhana mampu meningkatkan keteraturan pencatatan keuangan, membantu pemilik usaha dalam memproyeksikan arus kas dan menetapkan target penjualan secara lebih rasional, serta mengurangi risiko kekurangan dana. Dengan demikian, penerapan anggaran sederhana tidak hanya mendukung pengelolaan keuangan yang lebih efektif, tetapi juga berkontribusi terhadap peningkatan resiliensi dan keberlanjutan usaha mikro dengan keterbatasan sumber daya dan pemahaman akuntansi.
Pengaruh Kualitas Pelayanan Dan Fasilitas Terhadap Kepuasan Pengguna Kereta Api Commuter Line Pada Kereta Api Commuter Line Arah Palmerah Ke Parungpanjang Muhammad Dede Ramdhani; Nani Nani
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 3 (2026): Maret
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i3.9182

Abstract

Abstract - The purpose of this study is to determine the effect of service quality and facilities on the satisfaction of Commuter Line train users on the Palmerah to Parung Panjang route. The research method used is descriptive quantitative with a total sample of 100 respondents. Primary data were collected through questionnaires and processed using the SPSS application version 25. The data analysis methods used include validity test, reliability test, classical assumption test, regression analysis, correlation coefficient, coefficient of determination, and hypothesis testing. The results of this study indicate that service quality has a positive and significant effect on user satisfaction with a coefficient of determination value of 55.9%, and the hypothesis test shows that the value of tcount > ttable (5.949 > 0.195) with a significance level of 0.000 < 0.05. Facilities have a positive but not significant effect on user satisfaction with a coefficient of determination value of 42.3%, and the hypothesis test shows that the value of tcount > ttable (1.770 > 0.195) or not significant with a significance value of 0.080 > 0.05. Service quality and facilities simultaneously have a positive and significant effect on user satisfaction with the regression equation Y = 3.459 + 0.542X1 + 0.162X2. The coefficient of determination value is 91.1%, while the remaining 8.9% is influenced by other factors not examined in this study. The hypothesis test shows that the value of Fcount > Ftable (68.095 > 3.09).
Peran Hedonic Shopping Values dalam Memediasi Live Shopping Tiktok dan FOMO (Fear of Missing Out) Terhadap Impulse Buying Produk Fashion Gen Z di Kota Tangerang Selatan Kuniawaty, Erlita; Nani, Nani; Lesmana, Rosa
JIMF (Jurnal Ilmiah Manajemen Forkamma) Vol. 9 No. 2 (2026): JIMF (Jurnal Ilmiah Manajemen Forkamma)
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/frkm.v9i2.59061

Abstract

Penelitian ini bertujuan untuk menganalisis peran Hedonic Shopping Values (HSV) dalam memediasi Live Shopping TikTok dan Fear of Missing Out (FOMO) terhadap Impulse Buying produk fashion pada Generasi Z di Tangerang Selatan. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 200 responden Generasi Z yang berdomisili di Tangerang Selatan dan pernah melakukan pembelian produk fashion melalui live shopping TikTok. Analisis data dilakukan menggunakan SEM smartPLS. Hasil penelitian menunjukkan bahwa Live Shopping TikTok dan FOMO berpengaruh positif dan signifikan terhadap Hedonic Shopping Values dan Hedonic Shopping Values berpengaruh positif dan signifikan terhadap Impulse Buying. Uji mediasi menunjukkan bahwa Hedonic Shopping Values memediasi secara parsial pengaruh Live Shopping TikTok dan FOMO terhadap Impulse Buying. Hasil penelitian ini menegaskan bahwa aspek emosional dan kesenangan berbelanja merupakan faktor dominan utama yang mendorong perilaku pembelian impulsif Generasi Z dalam konteks live shopping.
Pengaruh Brand Experience Dan Online Customer Review Terhadap Kepuasan Konsumen Pada Familymart Cabang Wolter Monginsidi Kota Jakarta Selatan Laela Desiani; Nani Nani
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 4 (2026): April
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i4.9373

Abstract

This study aims to determine the effect of Brand Experience and Online Customer Reviews on Consumer Satisfaction at FamilyMart Wolter Monginsidi branch, South Jakarta. The research method used is quantitative. The sampling technique uses the Rao Purba formula with a sample size of 96 respondents. Data analysis was carried out through validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, correlation coefficient analysis, determination coefficient analysis, and hypothesis testing. The results show that Brand Experience and Online Customer Reviews have a significant effect on Consumer Satisfaction with the regression equation Y = 2.737 + 0.182 (X1) + 0.320 (X2). The correlation coefficient (R) value of 0.749 indicates a strong relationship between the independent variable and the dependent variable. The coefficient of determination (R2) value of 0.560 or 56% indicates the contribution of the influence of the independent variable on the dependent variable, while the remaining 44% is influenced by other factors not examined in this study. Partially, the Brand Experience hypothesis test produces a calculated t value of 7.094> t table 1.985 so that H0 is rejected and H1 is accepted, which means there is a significant influence of Brand Experience on Consumer Satisfaction. The partial test of Online Customer Review produces a calculated t value of 10.091> t table 1.985, so that H0 is rejected and H2 is accepted, which means there is a significant influence of Online Customer Review on Consumer Satisfaction. The results of the F test show a calculated F value of 59.278> F table 2.700 with a significance value of 0.000 <0.05. Thus, it can be concluded that Brand Experience and Online Customer Review simultaneously have a significant influence on Consumer Satisfaction.  
Co-Authors Abal, Hubertus Acai Sudirman AMELIA SETYAWATI, AMELIA Anggraini, Rr. Renny Aprilia, Eka Astutik, Endang Puji Azzahra, Syifa Cahyani Cahyani Chusnu Syarifa Diah Kusuma Deandra Vidyanata Desiyani, Desiyani Diah Pramesti Ayuningtias Dimyati, Endang Dinda Putri Lestari Dr. Dhany Isnaeni D., S.E., M.M.1), Linda Daniati Melinda, S.S., M.Si.2) Dyah Widowati EFI SYARIFUDIN, EFI Erlita Kurniawaty Fahrur Rozi Falah, Febri Fatman, Masdar Firdaus Firdaus Fitri Yani Fitriah, Rahmatul Fitriani Fitriani Furyanah, Anah Ginanjar, Gelar Haerunnisa Haerunnisa, Haerunnisa Hajrah Hajrah, Hajrah Haryanto, Ruli Helda Helda Herawati, Wanti Hindriani, Reni Hindriari, Reni Hinriari, Reni Ibrahim, Ferbian Indradewa, Rhian Ita Musfirowati Hanika Juniar, Nizar Dwi Karim, Harli A. Kuniawaty, Erlita Laela Desiani Lesmana, Rosa Lia, Sevika Nopa Livani, Lumi Puspa Mabruroh, Ahda Inayati Maulani, Yana Mega Indra Buana, Maya Muhammad Dede Ramdhani Muhammad Luthfi Mulyati, Helma Ningsi, Fitri Nuphanudin, Nuphanudin Nuraeni, Erni Nurnaningsih, Rita Pramudiyanti Pramudiyanti Raf Raf, Khansa Rahmadyanti, Rahmadyanti Rahman, Asri Ramli Ramli Rane, Melvin Krisdiana Djami Regita, Ardhia Khanna Rini Rita T Marpaung Rovita, Angga Roza, Yanti Mulia Sari, Nila Aprilia Sarimudaha, D. Cacap Sholihin Sholihin Sudarman, Otang Susilawati, Ida Farida Sutiani, Ai Syafrurrahman, Syafrurrahman Syawal, Sahrul Tunggara, Imam Turrahmah, Annisa Ulfa, Ade Wajdi, Fathullah Warasto, Hestu Nugroho Yanita Setyawati, Christina Yuliah, Dedeh ZA, Saida Zainurossalamia