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Tinjauan Atas Prosedur Sistem Kredit Kepemilikan Rumah Pada Kantor Pusat Developer Property Syariah Bogor Amanda, Tasya; Sukartaatmadja, Iswandi; Sumantri, Samuel
Jurnal Aplikasi Bisnis Kesatuan Vol. 2 No. 3 (2022): JABKES Edisi Desember 2022
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v2i3.1468

Abstract

The needs of human life are divided into three principles, namely clothing, food and shelter. The rapid growth rate has caused the need for clothing, food, housing to increase, especially in meeting primary needs such as housing, so there is a mortgage system that helps residents to obtain basic/primary housing needs. This study aims to determine the financing model or procedure used by the Sharia Property Developer Head Office in providing Non-Bank Sharia Home Ownership Loans to the public. Non-bank Sharia Home Ownership Loans are basically home loans for prospective home buyers who do not use banks in practice. The results showed that the financing model for non-bank Sharia Home Ownership Loans was not the same as Sharia Ownership Loans that used banks. The results of this study are that Sharia Home Ownership Credit at Sharia Property Developers uses the concept of bankless credit, without fines, free of usury, without confiscation and without problematic contracts, so that sharia mortgages at Sharia Property Developers are in accordance with the principles of sharia mortgages in Islam. Keywords: Review of Food Needs, Sharia Home Ownership Loans, Sharia Property Developers
TINJAUAN ATAS PELAYANAN MOBILE BANKING: Studi Kasus Pada Bank Rakyat Indonesia Unit Cijeruk Annissa, Yulia Vira; Sukartaatmadja, Iswandi; Khim, Soei
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.v3i3.1890

Abstract

Pelayanan merupakan suatu kegiatan pemenuh kebutuhan melalui tindakan yang diberikan kepada nasabah yang dilayani yang sifatnya dapat dirasakan oleh nasabah. Layanan yang baik dapat memberikan kepuasan bagi nasabah yang telah terpenuhi kebutuhannya. Bank Rakyat Indonesia mengembangkan layanan mobile banking BRI yang disesuaikan pada kebutuhan nasabah akan berpengaruh pada kepuasan nasabah. Untuk itu pembahasan ini bertujuan untuk mengetahui pelayanan mobile banking pada Bank Rakyat Indonesia Unit Cijeruk. Dengan mengidentifikasi masalah mengenai prosedur layanan pendaftaran mobile banking, fitur layanan mobile banking yang, dan kendala apa saja dalam melakukan layanan mobile banking. Hasil Pembahasan menunjukan bahwa Bank Rakyat Indonsia memberikan layanan mobile banking yang cukup baik dengan terus menigkatkan fitur yang ada dalam mobile banking BRI agar terpenuhinya kebutuhan nasabah.
Pengaruh Teknologi Informasi Dan Kualitas Pelayanan Terhadap Kepuasan Nasabah: Studi Kasus Pada PT. Bank Mandiri Maulana, Rifanny; Sukartaatmadja, Iswandi
Jurnal Informatika Kesatuan Vol. 2 No. 1 (2022): JIKES Edisi Maret 2022
Publisher : LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jikes.v2i1.1373

Abstract

Economic growth in this modern age makes business competition tighter. Banking becomes one of the services industry that supports economic growth in Indonesia. The banking industry is also one of the donations of national donations and serves as an institution to accommodate the funds of the public funds, it can also be relulated in productive economic activities. Thus, the benchmark of success of a bank, one of which depends on the number of customers. The more customers are interested, the more funds are immediately and reconclab by achievement maximum profitability. The purpose of this study is (1) to know and analyze the influence of information technology on customer satisfaction, (2) to know and analyze the effect of service quality to customer satisfaction, (3) to know and analyze the influence of information technology and service quality together with customer satisfaction of the number of respondents in this study amounted to 100 respondents taken from the community of Bogor City. Research data is processed using SPSS. The results of this study are as follows: (1) Information Technology has a positive and significant effect on customer satisfaction at Bank Mandiri with the value of regression coefficient by 0.453 and has a significant value of 0.000. (2) The quality of service has a positive and significant effect on customer satisfaction at Bank Mandiri with the value of regression coefficient by 0.443 and has a significant value of 0.000. (3) Information technology and service quality has a positive and significant effect on customer satisfaction at Bank Mandiri with a value of F Count of 47,650 and larger than the F table of 2.70 and has a significance value of 0.000. Keywords: Information Technology, Quality Services and Customer Satisfaction
Pelatihan Persiapan Berwirausaha Bagi Siswa SMA PGRI 3 Bogor Nurendah, Yulia; Suardy, Weman; Sukartaatmadja, Iswandi
Jurnal Abdimas Dedikasi Kesatuan Vol. 1 No. 2 (2020): JADKES Edisi Desember 2020
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jadkes.v1i2.522

Abstract

Kegiatan Pengabdian kepada Masyarakat ini bertujuan meningkatkan kemauan, pemahaman dan kemampuan para guru dalam berwirausaha. Pelatihan Kewirausahaan bagi Murid-Murid SMA PGRI 3 Bogor dalam program pengabdian masyarakat ini diharapkan dapat memberikan pemahaman dan juga kemampuan murid dalam berwirausaha yang akan berdampak pada peningkatan mutu lulusan di SMA PGRI 3 Bogor. Metode yang digunakan dalam kegiatan ini meliputi (a) ceramah atau penyuluhan yang berisi penyampaian atau pemaparan informasi untuk materi yang bersifat umum dan teoritis, dalam hal ini adalah materi untuk memotivasi murid-murid agar mau berwirausaha, cara menanamkan pemahaman murid-murid tentang teknis berwirausaha dan hal-hal lain yang sangat penting untuk dikuasai oleh peserta pelatihan, (b) tanya jawab yang memungkinkan murid-murid menggali pengetahuan sebanyak-banyaknya tentang kewirausahaan, dan (c) simulasi untuk memberikan kesempatan mempraktekkan materi pelatihan yang diperoleh. Kegiatan PPM yang telah dilaksanakan ini berjalan dengan baik dan lancar sesuai dengan tujuan yang ingin dicapai dari program ini, dan mendapatkan hasil yang baik. Murid-murid SMA PGRI 3 Bogor memperoleh sharing pengetahuan dan pengalaman tentang kewirausahaan. Kata Kunci : Kewirausahaan
Pendampingan Usaha Mikro Kecil dan Menengah Dalam Meningkatkan Kualitas Produk Pada UMKM Kelurahan Gudang Kota Bogor Zuhdi, Saefudin; Sukartaatmadja, Iswandi; Argoputro, Stanislaus Bandung
Jurnal Abdimas Dedikasi Kesatuan Vol. 4 No. 2 (2023): JADKES Edisi Juli 2023
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jadkes.v4i2.2422

Abstract

ABSTRACTProblems that occur in home industries or Micro, Small and Medium Enterprises (MSMEs) in Bogor City revolve around product quality. Awareness of maintaining product quality, there are several factors that determine product quality, including products that are clean in terms of materials and processes (hygienic), product safety (not using chemical materials and dyes), product appearance, and product packaging. The solution provided is providing assistance, in the form of counseling and training, to MSMEs in Bogor City is to increase the empowerment of partners according to the problems faced by MSMEs, namely increasing the knowledge and skills of MSME actors. Likewise, the number of products, production capacity, number of assets, total turnover, and management capabilities have increased. The planned activities that will be carried out are assistance and training on quality production. The aim of this activity is for MSME players to increase their knowledge and skills. The results obtained by MSME players are products that are fit for distribution, products can be marketed widely, product safety is guaranteed, and buyer confidence increases. Keywords: Product Quality, Product Innovation, SMEs
Pengaruh ROA, CR Dan TATO Terhadap Harga Saham Perusahaan Farmasi Yang Terdaftar Di BEI Periode 2016-2020 Sumantri, Geeta Maharani; Sukartaatmadja, Iswandi
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.v10i1.1536

Abstract

The stock price is the price formed between supply and demand that occurs in the market. In addition, stock prices reflect the performance of a company which tends to fluctuate in the short term while in the long term good companies tend to increase. When the stock price of a company is high, the value of the company in the eyes of investors is also good and vice versa. The pharmaceutical industry is one of the sectors that has performed well and contributed significantly to the national economy. This study aims to determine the Return On Assets, Current Ratio and Total Asset Turnover on Stock Prices in Pharmaceutical Companies listed on the IDX for the 2016-2020 period either partially, simultaneously or dominantly. The sample in this study were 8 companies obtained by purposive sampling method. The data collection method used is documentation. This study uses Panel Data Regression Analysis, Classical Assumption Test, t-test and F-test using the eviews 12 program. Based on research with a significance level of 0.05, partial results obtained: ROA has no effect and is not significant with a probability value (0.6075 > 0.05). CR has no effect and is not significant with the probability value (0.2601 > 0.05). TATO has a significant effect on the probability value (0.0105 <0.05). Simultaneously ROA, CR and TATO have a significant effect on stock prices with a probability value (0.0000 <0.05). R Square value of 87% is influenced by the above variables while the remaining 13% is influenced by other factors not explained in this study. Keywords: Return On Asset, Current Ratio, Total Asset Turnover and Stock Price
Pengaruh Financing To Deposit Ratio Dan Non Performing Financing Terhadap Return On Asset: Studi Kasus pada Enam Bank Umum Syariah di Indonesia Periode 2014-2018 Sastra, Heri; Ariziq, Bhandan; Sukartaatmadja, Iswandi
Jurnal Ilmiah Manajemen Kesatuan Vol. 9 No. 3 (2021): JIMKES Edisi Desember 2021
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v9i3.1600

Abstract

This research is to prove the influence on Financing To Deposit Ratioa (FDR) and Non Performing Financing (NPF) on Return On Asset (ROA). The analysis technicque used is regression analysis, because the data used are secondary data to determine the accuracy of the regression model. The dependent variable of thus research data is Return On Asset (ROA), the independent variebles are Financing To Deposit Ratio (FDR) and Non Performing Financing (NPF). The result of this study indicate that if Financing To Deposit Ratio (FDR) have a negative and significant effect on Return On Asset (ROA), these results are evidenced by a t-test of t velue of -2.228 and the significance velue indicates a figure of 0.034. Non Performing Financing (NPF) have a negative and signifivant effect on Return On Asset (ROA), these results are evidenced by a t-test og t velue of -6.269 and the significance value indicate a figure of 0.000. Keywords : Financing To Deposit Ratio (FDR), Non Performing Financing (NPF), Return On Asset (ROA).
Faktor-faktor Yang Mempengaruhi Harga Saham Perusahaan: Studi Kasus Pada Sub Sektor Perkebunan Yang Terdaftar Di Bursa Efek Indonesia Periode 2016-2020 Sukartaatmadja, Iswandi; Khim, Soei; Lestari, Maulvi Novia
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.v11i1.1627

Abstract

Changes in stock prices fluctuations are influenced by internal factors or also called fundamental factors originating from within the company which are shown in the company's financial statements, and external factors related to the economic conditions of a country. This study aims to determine the effect of Liquidity, Profitability, Inflation, and BI7DRR on Stock Prices in Plantation Sub-Sector Companies Listed on the Indonesia Stock Exchange for the 2016-2020 Period, either simultaneously or partially. This study uses quantitative methods with panel data regression analysis using the Eviews version 9.0 program. The results of this study indicate that partially the Current Ratio (CR) variable has no and no significant effect on stock prices, Return On Assets (ROA) partially and significantly affects stock prices, Inflation partially and significantly affects stock prices, and BI7DRR partially partial has no effect and is not significant to stock prices. Simultaneously, the variables Current Ratio (CR), Return On Assets (ROA), Inflation and BI7DRR have a significant effect on stock prices in Plantation Sub-Sector Companies Listed on the Indonesia Stock Exchange for the 2016-2020 Period. Keyword : Liquidity, Profitability, Inflation, BI7DRR, Stock Prices
The Effect of CER, ALR and Exchange Rate Risk Management on Conventional Bank Profitability for the Period 2019 - 2022 Sukartaatmadja, iswandi; Widhiacahyani, Andiko Pramestya Regita; Pramiudi, Udi
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 1 (2025): JIAKES Edisi Februari 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i1.3264

Abstract

A banking institution is one of the organizations that plays a very important role in the economy of a bangking country in performing the function the requires capital to finance banking activities. In addition to promoting the country’s economy, banks must also have a certain level of profit for sustainable development bank information.The purpose of the study is to investigate the effect of Cost Efficiency Ratio (CER), Average Lending Rate (ALR), and Exchange Rate (ER) on profitability by calculating Return On Asset (ROA) in conventional banks in the period 2019 – 2022. The data type used in this study is secondary data obtained from annual reports published on the BEI website and other sources official website of 40 (forty ) common banks. The testing method used in this study are descriptive analysis and classical hypothesis testing, including normality test, multicollinearity test, variable variance test and autocorrelation test. Then, by testing the hypothesis in this study using partial test )t-test), concurrent test (f-test), and deterministic analysis (r 2 – test), chow test, hausman test, and lagrange multiplier test. Keywoards : Cost Efficiency Ratio, Average lending Rate, Exchange Rate and Return On Asset