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STUDI KOMPARASI PEMBERIAN KREDIT PKM TERHADAP PENINGKATAN DAYA SAING USAHA KECIL SEPATU DALAM MENGHADAPI SERBUAN PRODUK CINA DI KABUPATEN SIDOARJO Sigit Hermawan; Rifdah Abdiyah; Wisnu P Setiyono
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 12 No 3 (2008)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (0.057 KB) | DOI: 10.24034/j25485024.y2008.v12.i3.392

Abstract

The objectives of the study are: (1) to identify the capital resources obtained by the shoes small businesses that get KPKM and those that do not in order to increase the competitive ability to cope with the Chinese products rush; (2) to compare the capital resources between the shoes small businesses that get KPKM and those that do not to cope with the Chinese products rush; and (3) to compare the competitive ability of the shoes small business that get KPKM and those that do not to cope with the Chinese products rush.The results of the study are: (1) the respondents have had various capital resources on the average, so that they do not only rely on the internal capital resources but also the external capital resources. Yet, most of them do not take the external capital resources from the legal organization, such as financial foundations, banks, and credit programs; (2) there is no real difference between UKM that has the capital resources for the shoes small business which get KPKM and those which do not; and (3) UKMs on the average are able to compete to cope with the Chinese products rush.
Analisis Kinerja Keuangan Perbankan dengan Menggunakan Metode Camel (Studi Kasus pada PT. BPR Buduran Delta Purnama) Wisnu P Setiyono; Miftakhul Nur Aini
JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Vol 1 No 2 (2014): September
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (271.073 KB) | DOI: 10.21070/jbmp.v1i2.271

Abstract

Based on the provisions of The Central Bank, All Indonesian banking institutions are obliged to report their performance to the financial services authority (FSA) and always adhere to the provisions of the law prevailing in the region of Indonesia. Therefore, all banking institutions will be assessed its performance by using CAMEL methods, including capital, assets, management, earnings and liquidity. By using a descriptive quantitative research method, this research employes 5 (five) aspects of banking assessment, for instance; capital ratios, we use CAR (Capital Adequacy Ratio); earning ratios and assets quality, we employes KAP (earning assets) and PPAP (Allowance for Earning Assets); Special for management aspects we apply a survey to the general management and risk management officer; from the aspect of profitability, we utilise ROA (Return On Assets ratios) and ROA (Operating Expenses to Operating Income ratios); finally, the aspect of liquidity ratios, we use Cash Ratios and LDR (Loan to Deposit Ratios). The result of 3 (three) years (2011 to 2013) assessments, we found that The BPR Buduran Delta Purnama has good banking performance (credit score more than 81 which the minimum score for good or bad banking performance). It is based on some benchmarks to determine the reliability of the bank after the assessment of each variable. We used a primary data obtained through questionnaires and secondary data in the form of financial statements balance sheet and income statement of PT. BPR Buduran Delta Purnama between 2011 to 2013.