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PENERAPAN PRINSIP 5C TERHADAP PENGAMBILAN KEPUTUSAN KREDIT PADA PT. BRI UNIT HANDIL BAKTI BARITO KUAL Siti Raesa Rizki P; Akhmad Samhudi
Al-KALAM : JURNAL KOMUNIKASI, BISNIS DAN MANAJEMEN Vol 6, No 2 (2019)
Publisher : Universitas Islam Kalimantan Muhammad Arsyad Al Banjari

PT. BRI Unit Handil Bakti is a bank company engaged in the field of savings and loans, so far in lending has not been optimal in analyzing lending to customers. The lack of attention of the company in channeling credit activities, especially related to corporate credit decision making, has an adverse impact on bad loans for the company. To apply the 5C principle in making credit decisions, it can take several steps including: assessing prospective customers, knowing the seriousness of prospective customers, tightening the selection of prospective customers and also companies need to train the relevant analysis team in it and coordinate all parts of the loan on an ongoing basis to support the results distribution of company credit products. PT. BRI Handil Bakti Unit is less optimal in implementing prudential principles in making credit decisions, so that it impacts on operational activities and lending. The company needs to have good planning to maximize lending activities so that the company is more selective in assessing prospective customers so as to suppress problem loans / suppress the NPL level to a minimum.

ANALISIS KEPUTUSAN PEMBELIAN HANDPHONE VIVO (Studi Kasus Konsumen Gadget Mart Pelaihari) Siti Raesa Rizki P; Akhmad Samhudi
Al-Kalam Jurnal Komunikasi, Manajemen dan Bisnis Vol 6, No 1 (2019)
Publisher : Universitas Islam Kalimantan Muhammad Arsyad Al Banjari

This research is based on a theoretical framework, expert ideas, or the understanding of researchers based on their experience, then developed into problems and solutions that are proposed to obtain justification (Verification) in the form of emperical data support in the field. This study aims to find out and analyze how much influence the variables of product quality, price and promotion on purchasing decisions on VIVO mobile phones. The method used in this study is a quantitative method, with a population of 40, a sample of 40 people and data analysis techniques with research instruments validity test, reliability test and using multiple linear regression. The results of this study indicate that the Product Quality, Price and Promotion variables individually and together influence the VIVO Mobile Purchase Decision on the Pelaihari Mart Gadget. Meanwhile, based on the results of the F Test at the level of α of 5%, it proves that all the independent variables have a significant effect on the dependent variables together (simultaneous). Adjusted determination (R2) is 0.505 or 50.5%, this shows the amount of contribution given by all independent variables on the dependent variable.

Pengaruh Promosi Terhadap Keputusan Pembelian Produk Sasirangan Martadah Baru Kabupaten Tanah Laut Akhmad Samhudi; Siti Rizki Pardani
Jurnal Penelitian Tindakan dan Pendidikan Vol 6 No 4 (2020)
Publisher : Rumah Jurnal Press

Show Abstract | Download Original | Original Source | Check in Google Scholar

Penelitian ini bertujuan untuk mengetahui dan membuktikan pengaruh promosi terhadap keputusan pembelian produk Sasirangan Martadah Baru Kabupaten Tanah Laut. Jenis penelitian ini adalah deskriptif kuantitatif. Data yang diteliti dalam penelitian ini bersumber dari: 1) Data Primer, Data primer merupakan data utama yang akan diteliti mengenai pengaruh promosi terhadap Keputusan Pembelian Produk Sasirangan Martadah Baru Kabupaten Tanah Laut, data primer didapatkan melalui penyebaran kuisioner, observasi, wawancara. 2) Data Sekunder, Data sekunder penelitian ini diperoleh dari bahan kepustakaan dan literatur serta data-data yang berasal dari lokasi penelitian. Populasi dalam penelitian ini adalah pelanggan Sasirangan Martadah Baru Kabupaten Tanah Laut dari Bulan Juli – Agustus 2020 yang berjumlah 150 pelanggan. Analisis data menggunakan regresi linier sederhana. Berdasarkan pada perhitungan menggunakan rumus slovin ditemukan angka 109, jadi sampel yang digunakan dalam penelitian ini berjumlah 109 pelanggan Sasirangan Martadah Baru Kabupaten Tanah Laut. Berdasarkan pada hasil analisis yang dilakukan, maka dapat ditarik kesimpulan promosi berpengaruh terhadap keputusan pembelian produk Sasirangan Martadah Baru Kabupaten Tanah Laut, hal ini dibuktikan nilai t hitung ebih besar dari t tebel atau 27.021 > 1.982 (nilai sig 0.000 < 0.05), adapun besarnya pengaruh yang ditimbulkan sebesar 87.2%.

FAKTOR-FAKTOR MOTIVASI REMAJA BERWIRAUSAHA MELALUI BISNIS ONLINE DI BATUAMPAR PELAIHARI Akhmad Samhudi; Siti Rizki Pardani
AL-ULUM : Jurnal Ilmu Sosial dan Humaniora Vol 7, No 2 (2021): Edisi Oktober
Publisher : Universitas Islam Kalimantan Muhammad Arsyad Al Banjari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/alsh.v7i2.5736

The number of conveniences in shopping online and the various types of products and services offered, make the Indonesian people make Online Shops as one of the new "shopping places" besides shopping centers.This study aims to determine and prove the motivational factors of Batu Ampar Pelaihari teenagers in entrepreneurship through online business.This type of research is descriptive quantitative. The data studied in this study were sourced from primary data and secondary data. The number of respondents who were used as observations in this study amounted to 40 people. Statistical analysis using simple linear, with testing tools using SPSS software version 20.00The results show that motivational factors can influence adolescent entrepreneurship in Batu Ampar Pelaihari. Variable data which is a simple conceptual path where motivation (X) / independent variable and entrepreneurial (Y) / dependent variable.The independent variable has a unidirectional relationship with the dependent variable because the independent variable has a positive coefficient, meaning that if the x variable increases, the y Variable also increases and vice versa.

PENGARUH GOOD CORPORATE GOVERNANCE DAN VOLUNTARY DISCLOSURE TERHADAP BIAYA HUTANG (COST OF DEBT) PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA Akhmad Samhudi
AL-ULUM : Jurnal Ilmu Sosial dan Humaniora Vol 3, No 2 (2017): Edisi Oktober
Publisher : Universitas Islam Kalimantan Muhammad Arsyad Al Banjari

This research aims to examines variables influencing cost of debt in banking companies listed in Indonesian Stock Exchange. Independent variables are Good Corporate Governance (independent commissioner, managerial ownership, institutional ownership, and audit quality) and voluntary disclosure.There are 19 banking companies which taken as samples during period 2013 to 2015. Analysis method in this research is multiple regression analysis which used SPSS program 16.0 version. Simultaneously testing used F-test and partially testing used t-test.The result shows that partially, independent variables which significantly influencing cost of debt are audit quality and voluntary disclosure with each significant value 0.003 and 0.049 (less than 0.05). Simultaneously, independent commissioner, managerial ownership, institutional ownership, audit quality and voluntary disclosure significantly influencing cost of debt in banking companies listed in Indonesia Stock Exchange with significant value 0.000 (below from 0.05). Adjusted R2 value 0,305 shows that 30,5% variation of companies cost of debt can be explained by independent commissioner, managerial ownership, institutional ownership, audit quality and voluntary disclosure and the explained by variables which not used in this research. Keywords: Good Corporate Governance, Voluntary Disclosure, Cost of Debt

PENGARUH GOOD CORPORATE GOVERNANCE (GCG) DAN VOLUNTARY DISCLOSURE TERHADAP BIAYA HUTANG (COST OF DEBT) PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BEI Akhmad Samhudi
AL-ULUM : Jurnal Ilmu Sosial dan Humaniora Vol 2, No 3 (2016): Edisi Oktober
Publisher : Universitas Islam Kalimantan Muhammad Arsyad Al Banjari

This research aims to examines variables influencing cost of debt in banking companies listed in Indonesian Stock Exchange. Independent variables are Good Corporate Governance (independent commissioner, managerial ownership, institutional ownership, and audit quality) and voluntary disclosure.There are 19 banking companies which taken as samples during period 2013 to 2015. Analysis method in this research is multiple regression analysis which used SPSS program 16.0 version. Simultaneously testing used F-test and partially testing used t-test.The result shows that partially, independent variables which significantly influencing cost of debt are audit quality and voluntary disclosure with each significant value 0.003 and 0.049 (less than 0.05). Simultaneously, independent commissioner, managerial ownership, institutional ownership, audit quality and voluntary disclosure significantly influencing cost of debt in banking companies listed in Indonesia Stock Exchange with significant value 0.000 (below from 0.05). Adjusted R2 value 0,305 shows that 30,5% variation of companies cost of debt can be explained by independent commissioner, managerial ownership, institutional ownership, audit quality and voluntary disclosure and the explained by variables which not used in this research.

PENGARUH KUALITAS PELAYANAN DAN HARGA TERHADAP KEPUTUSAN MENGGUNAKAN JASA GRAB DI KOTA BANJARBARU Akhmad Samhudi; Siti Raesa Rizki Pardani
Al-Kalam Jurnal Komunikasi, Manajemen dan Bisnis Vol 9, No 2 (2022): JULI : AL KALAM JURNAL KOMUNIKASI, BISNIS DAN MANAJEMEN
Publisher : Universitas Islam Kalimantan Muhammad Arsyad Al Banjari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/al-kalam.v9i2.7751

This study aims to examine: (1) To determine and analyze the effect of Service Quality on Decisions to Use Grab services in Banjarbaru. (2) To find out and analyze the effect of price on the decision to use Grab services in Banjabaru. (3) To find out and analyze the effect of Services Quality and Price on Decisions to Use Grab services in Banjarbaru. The indicators for each variable are the first service quality indicators are tangible (tangible), reliability (reliability), responsiveness (responsiveness), assurance (guarantee), empathy (empathy). From the price variable the indicators are price affordability, price suitability with product quality, price competitiveness, price suitability with benefits. And from the use decision variables are product selection, brand selection, dealer selection, time of purchase, number of purchases, payment methods. This study uses quantitative analysis. The data analysis method used ia multiple linear regression analysis technique, classical assumption test, F test, t test, coefficient of determination. The results of this study indicate that service quality and price simultaneously affect the decision to use Grab services in Banjarbaru. Price has a partial effect on the decision to use Grab services in Banjarbaru.

ANALISIS PENERAPAN PERENCANAAN PAJAK (TAX PLANNING) UNTUK MEMINIMALKAN BEBAN PAJAK PENGHASILAN BADAN PADA CV. XXXL Akhmad Samhudi; Siti Raesa Rizki Pardani
Al-Kalam Jurnal Komunikasi, Manajemen dan Bisnis Vol 10, No 1 (2023): JANUARI : AL KALAM JURNAL KOMUNIKASI, BISNIS DAN MANAJEMEN
Publisher : Universitas Islam Kalimantan Muhammad Arsyad Al Banjari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/al-kalam.v10i1.10033

ABSTRACTThis study aims to: (1) analze the application of tax planning in minimizing the burden of corporate income tax on CV. Bina Mandiri Banua, (2) ind out and analyze whether tax planning (tax planning) that is carried out can minimize corporate income tax compared to before CV. Bina Mandiri Banua’s tax planning. The design of this research is a qualitative research with descriptive method. Data collection was done by interview, observation, and documentation. The result of the study indicate that tax planning carried out by bookkeeping methods, fiscal corrections, gross up methods for PPh 21 and the provision of allowances for food/drink and transportation of employees has a major influence on the magnitude of the corporate income tax burden. The result of the analysis show that tax planning can minimize the corporate income tax burden borne by the company, in 2019 before tax planning Rp. 4.648.909,- after tax planning becomes Rp. 3.224.192,- In 2020, before tax planning, Rp. 20.571.594,- after tax planning becomes Rp. 5.989.722,- In 2021, before tax planning Rp. 10.831.213,- after tax planning to Rp. 2.671.219,-. This shows that the corporate income tax burden has been minimized, seen from the total efficiency of tax savings of Rp. 24,166,582 in the 2019-2021 period.

Dampak Struktur Organisasi terhadap Komitmen Organisasi: Perbandingan Antara Sektor Publik dan Swasta Samhudi Samhudi; Basuki . Basuki; Rahmi Widyanti
Al-Kalam Jurnal Komunikasi, Manajemen dan Bisnis Vol 11, No 1 (2024): Januari: Al Kalam Jurnal Komunikasi, Bisnis dan Manajemen
Publisher : Universitas Islam Kalimantan Muhammad Arsyad Al Banjari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/al-kalam.v11i1.13169

A good organizational structure will have an impact on employee organizational commitment. This study aims to examine the impact of organizational structure on organizational commitment in public and private sector companies in Banjarmasin. The three main structural dimensions included in this research are formalization, centralization (in the form of a hierarchy of authority and participation), and standardization. 100 questionnaires were distributed to 8 public and private companies in Banjarmasin and a sample of 80 valid questionnaires was obtained. The research results show that all structural dimensions have a relationship with organizational commitment in both sectors, except for authority hierarchy. Among the structural dimensions, formalization shows the greatest correlation with organizational commitment in public companies, while participation has the largest correlation with organizational commitment in private companies. Employee demographics have no impact on dimensions of organizational structure or commitment in either the private or public sectors. In addition, position in the private or public sector does not mediate the relationship between organizational structure and organizational commitment.

Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Konsumtif Pegawai (Studi Kasus Pada Spbu 61.707.01 61.707.01 Banjarbaru) Akhmad . Samhudi; Siti Raisa Rizki Pardani
AL-ULUM : Jurnal Ilmu Sosial dan Humaniora Vol 9, No 2 (2023): Edisi Oktober
Publisher : Universitas Islam Kalimantan Muhammad Arsyad Al Banjari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/alsh.v9i2.12709

This study aims to examine: (1) financial literacy affects consumptive behavior in gas station employees 61.707.01 Banjarbaru, (2) lifestyle affects consumptive behavior in gas station employees 61.707.01 Banjarbaru, (3) financial literacy and lifestyle influence the consumptive behavior of gas station employees 61.707.01 Banjarbaru. The design of this research is quantitative research and is a survey research. The research population is all employees of SPBU 61.707.01 Banjarbaru and a sample of 20 respondents with Multiple Linear Regression data analysis. The result showed: (1) financial literacy had an effect on consumptive behavior in SPBU 61.707.01 Banjarbaru employees, (2) lifestyle had no effect on consumptive behavior in SPBU 61.707.01 Banjarbaru employees, (3) financial literacy and lifestyle had no significant effect, on consumptive behavior in gas station employees 61.707.01 Banjarbaru.

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