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Pengaruh Risk Profile, Good Corporate Governance, Earnings, dan Capital Terhadap Prediksi Financial Distress Pada Bank Perkreditan Rakyat Kristina Nimas Wijayanti; Inayah Adi Sari; Dewi Indriasih
Permana : Jurnal Perpajakan, Manajemen, dan Akuntansi Vol 10 No 1 (2018): Februari
Publisher : Faculty of Economics and Business, University of Pancasakti Tegal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24905/permana.v10i1.69

Abstract

This study aims to determine the effect of Risk Based Bank Rating on the prediction of financial distress in Rural Banks in the area of ex Residency of Pekalongan with the period of research in 2013 until 2017. This study of financial distress uses a quantitative approach towards all BPR in Indonesia by using purposive sampling method. Data analysis method used is logistic regression analysis with the dependent variable in the form of dummy variables, namely 1 for non-financial distress and 2 for financial distress. Determination of the financial distress category was determined based on the Financial Services Authority Regulation No.5 / POJK.03 / 2015, that BPR with core capital below Rp6 billion indicated experiencing financial difficulties and vice versa. The results of the research showed that (1) Risk Profile represented by the LDR and NPL ratios had a positive and insignificant effect on financial distress. (2) Good Corporate Governance (GCG) represented by the composite value of the self-assessment report on the application of BPR governance has a positive effect but not significant to financial distress. (3) Earnings represented by the ROA ratio have a positive and insignificant effect on financial distress. (4) Capital represented by the CAR ratio has a negative effect and is not significant to financial distress.
Pengaruh Kompetensi, Independensi, Profesionalisme, dan Peran Auditor Internal terhadap Pelaksanaan Good Corporate Governance Azizah Nuraeni Budiningsih; Inayah Adi Sari; Abdulloh Mubarok
Permana : Jurnal Perpajakan, Manajemen, dan Akuntansi Vol 8 No 2 (2016): Agustus
Publisher : Faculty of Economics and Business, University of Pancasakti Tegal

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Abstract

The purpose of this study is to determine the influence of competence, independence, professionalism, and the role of internal auditors on the implementation of Good Corporate Governance. The object of his research is BPR located in Central Java Region. The data were collected by using questionnaire method (primary) given to thirty internal auditors working in BPR. The analysis model used in this research is multiple linear regression analysis model which is done with the help of computer program SPSS version 23.0 for windows. The result of simultaneous research shows that the competence, independence, professionalism, and role of internal auditor have significant and significant effect on the implementation of good corporate governance proved by F = 76,975 significant 0,000 <0,05. Partially competence variable have positive and significant influence to the implementation of good corporate governance proved by significant value 0,005 <0,05, variable of independence have positive and significant influence to the implementation of good corporate governance proved with significant value 0,000 <0,05, professionalism variable have positive and significant to the implementation of good corporate governance is evidenced by significant value 0.000<0.05, the variable role of internal auditors have a positive and significant impact on the implementation of good corporate governance evidenced by significant value 0.042 <0.05.
Pengaruh Rasio Laporan Keuangan terhadap Kebijakan Penyaluran Kredit pada Bank Perkreditan Rakyat Konvensional di Indonesit Inayah Adi Sari; Makmur Sujarwo
Permana : Jurnal Perpajakan, Manajemen, dan Akuntansi Vol 9 No 2 (2017): Agustus
Publisher : Faculty of Economics and Business, University of Pancasakti Tegal

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Abstract

Loan portfolio is the main activity in the banking sector. These activities generate revenue so that banks in carrying out its functions should be based on the precautionary principle. It is necessary to pay attention to factors such as the ratio of credit loans (NPL), factor capital adequacy ratio (CAR and DPK), the level of the operational efficiency of the bank (BOPO) and the level of profit generated (ROA) . reseach was done in order to determine the effect the relationship between the variables ( NPL, CAR, DPK, ROA and ROA) on the variable number of loans at BPR Konventinal in Indonesia. The method used is quantitative method. This study used cross section data in 2014 -2016 were obtained through an annual financial report on the official website of the financial services authority. This study using purposive sampling method. based on the criteria, there were 41 BPR sampled. Hypothesis testing is done by using multiple linear regression and classic assumptions. T test results showed that the variables NPL significant negative effect on the amount of lending. While the variable CAR, deposits and ROA positive and significant impact on the amount of lending and ROA has no effect on the amount of lending. Based on F test showed that the variables NPL, CAR, DPK, ROA and ROA simultaneously affect the amount of lending. The coefficient of determination shows that the predictive ability of the independent variables fifth by 82% while the remaining 18% are influenced by other variables outside the research
Upaya Peningkatan Pendapatan Melalui Literasi Keuangan Dan Pemasaran Online Bagi UMKM Kelurahan Krobokan Kota Semarang Sari, Inayah Adi; Wahyuhastuti, Novika; Riyanto, Riyanto; Aryan Eka Prastya Nugraha
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 5 No. 1 (2024): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN)
Publisher : Lembaga Dongan Dosen

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Abstract

Kelurahan Krobokan sebagian besar memiliki penduduk yang berwirausaha sebagai pembuat tahu. Produksi tahu akan menghasilkan nilai sisa yang masih dapat dimanfaatkan sebagai makanan yang lezat dan bergizi. Nilai sisa tersebut adalah ampas tahu atau sering kita kenal dengan gembus. Kegiatan pengabdian ini merupakan kelanjutan kegiatan PKM yang pertama, yaitu pelatihan produksi ampas tahu menjadi krupuk dan nuget, sedang pada kegiatan PKM kali ini, mitra mendapatkan pelatihan dalam memasarkan produk secara online serta pengelolaan keuangan usaha sederhana. Kegiatan PKM ini diikuti oleh 31 orang yang merupakan peserta pada PKM yang pertama. Metode pelaksanaan kegiatan PKM ini dibagi menjadi dua tahap. Tahap pertama, mitra mendapatkan transfer pengetahuan serta praktek bagaimana menjual produk secara online dengan menggunakan akun bisnis pada whatsapp, dan Instagram sebagai media social yang digunakan untuk memasarkan produk. Tahap kedua, mitra mendapatkan pelatihan dan praktik bagaimana melakukan pencatatan transaksi usaha, serta mengelola keuangan usaha sampai penyusunan laporan keuangan sederhana. Kegiatan ini dihadiri oleh 32 pelaku usaha mikro dan kecil di kelurahan Krobokan. Setelah mendapatkan transfer pengetahuan, serta pelatihan tentang pemasaran online dan literasi keuangan sampai penyusunan laporan keuangan sederhana, peserta menjadi lebih bersemangat dan merasa lebih mudah dalam menjalankan usahanya. Harapannya dengan peningkatan pemahaman tentang pemasaran dan literasi keuangan, pendapatan usaha mereka akan meningkat.
INCREASING MANAGERIAL CAPACITY AND DIGITAL LITERACY THROUGH TRAINING AND MENTORING FOR MSMES IN PILANGREJO DEMAK VILLAGE Sari, Inayah Adi; Puspitasari, Ratih Hesty Utami; Ilham, Ratih Milati; Yulianti, Fitri
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 6 No. 1 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

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Abstract

The people of Pilangrejo Village, Wonosalam District, most of the people have a livelihood producing smoked fish. Smoked Fish is one of the production alternatives that are in demand by the market because of its taste which tends to be more savory and durable. The problem in the field of production faced by partners is that the smoking process is still traditional, so that the appearance and cleanliness of smoked fish are not well maintained. In addition, it can cause environmental pollution around the production area.The problem in the field of marketing is that the process of selling smoked fish is still carried out conventionally. Partners are not familiar with online product marketing. The solution offered to partners is by training on smoked fish packaging and online sales processes, so that smoked fish can be widely known to the public. As for financial management problems, partners do not understand how to manage personal and business finances. The solution offered is family financial management training, which will later have an impact on business finances. This PKM activity was attended by 60 members of the fish smokers association. The results of this PKM activity make partners able to produce smoked fish cleanly and healthily, partners can also carry out the sales process online, and partners can manage family and business finances well.
Analisis Sentimen Konsumen Selama Pandemi Covid-19 di Kota Semarang Menggunakan Tableau Nugraha, Aryan Eka Prastya; Riyanto, Riyanto; Sari, Inayah Adi; Hadi, Dwi Prastiyo
Jurnal Nusantara Aplikasi Manajemen Bisnis Vol 7 No 2 (2022): Jurnal Nusantara Aplikasi Manajemen Bisnis
Publisher : UNIVERSITAS NUSANTARA PGRI KEDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/nusamba.v7i2.16068

Abstract

This study aims to analyze consumer sentiment during the pandemic in Semarang City. The data analysis techniques used are: (1) Business Intelligence with data visualization using Tableau and (2) to determine the effect or impact of the results of consumer sentiment, the second analysis uses trend analysis to estimate complex future prediction models. Based on the results that have been carried out in research on consumer sentiment and its impact on the retail business in Semarang City, consumer consumption patterns during the pandemic remain unchanged compared to before the pandemic. The conclusion in this study is the projection of time and expectations for retail businesses during the pandemic, which is an average of 6 months after the pandemic subsides they will return to normal. It also adjusts to the financial and operational capabilities of each retailer.