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All Journal eBA Journal: Journal Economic, Bussines and Accounting Journal of Public Power Jurnal Sistim Informasi dan Teknologi
Henny Dwijayani
Universitas Darul Ulum
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Pemberian Dan Pengawasan Kredit Terhadap Efektifitas Kredit Usaha Pada Bank BTPN Syariah Jombang Henny Dwijayani; Suhartatik; Rubait Dasururi; Ach. Muzajjad
eBA Journal: Journal Economic, Bussines dan Accounting Vol. 6 No. 1 (2019): Journal Economic, Bussines and Accounting
Publisher : Fakultas Ekonomi Universitas Darul Ulum

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (522.651 KB)

Abstract

Kebijakan perbankan sebagai kredtur dalam menentukan calon debitur untuk pemberian kredit menjadi penting untuk tercapainya efektifitas pemberian kredit. Tujuan penelitian adalah untuk mengetahui pengaruh kebijakan perbankan sebagai kredtur dalam pemberian dan pengawasan kredit sehingga tercapai efektifitas pemberian kredit. Obyek penelitian dilakukan di PT Bank BTPN Syariah Jombang dengan simple random sampling dan diperoleh hasil sebesar 33 responden. Uji yang dilakukan dalam penelitian ini diantaranya uji validitas, uji reliabilitas, uji normalitas, uji multikolinearitas, uji heteroskedastisitas, uji analisis linear berganda, uji R square, uji t. Hasil analisis dapat disimpulkan bahwa pemberian kredit dengan memperhatikan prinsip 5C terbukti memberikan pengaruh yang besar dan signifikan terhadap efektifitas pemberian kredit usaha hal ini mendorong PT Bank BTPN Syariah Jombang dengan proses seleksi yang dilakukan diawal survey ke debitur. Pilihan strategi dalam proses seleksi dan pengawasan kredit yang tepat dapat berpengaruh terhadap efektivitas kredit untuk meminimalisir kemacetan kredit supaya pemberian kredit berjalan efektif. Pengawasan kredit berpengaruh signifikan terhadap efektifitas pemberian kredit usaha PT Bank BTPN Syariah Jombang. Pengawasan yang dilakukan berdasar kebijakan yang ada pada PT Bank BTPN Syariah Jombang dan dijalankan oleh pegawai melalui pengawasan langsung oleh pimpinan.
PENGARUH KUALITAS PRODUK DAN HARGA TERHADAP KEPUTUSAN PEMBELIAN PADA TOKO ONLINE SANDI GROUP DI SHOPEE: Marketing Mix, Kualitas Produk, Harga dan Keputusan Pembelian aslichah; Henny Dwijayani; Betty Rahayu; Ferry
eBA Journal: Journal Economic, Bussines dan Accounting Vol. 9 No. 2 (2022): Journal Economic, Bussines dan Accounting
Publisher : Fakultas Ekonomi Universitas Darul Ulum

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (628.258 KB) | DOI: 10.32492/eba.v9i2.749

Abstract

Tujuan dari penelitian ini adalah Untuk mengetahui dan menganalisis kualitas produk secara parsial mempunyai pengaruh terhadap keputusan pembelian, dan untuk mengetahui dan menganalisis harga secara parsial mempunyai pengaruh terhadap keputusan pembelian serta untuk mengetahui dan menganalisis dari kedua variabel (kualitas produk dan harga) yang mempunyai pengaruh dominan terhadap keputusan pembelian. Jenis Penelitian yang digunakan dalam penelitian ini adalah kuantitatdengan metode kuesioner dan jumlah sampel dalam penelitian ini sebanyak 30 responden. Tehnik pengambilan sampel tersebut diperoleh dengan menggunakan metode Simple Random Sampling. Sumber data menggunakan data primer dan menggunakan data sekunder yaitu literatur dan dari internet. Sedangkan teknik analisis data yang digunakan pada penelitian ini adalah analisis kuantitatif dengan menggunakan analisis melalui bantuan program SPSS. Hasil penelitian berdasar analisis regresi linier berganda dengan menggunakan uji t dapat disimpulkan variabel Kualitas Produk tidak berpengaruh signifikan secara parsial terhadap variabel Keputusan Pembalian. Variabel Harga berpengaruh signifikan secara parsial terhadap variabel Keputusan Pembalian. Ditemukan bahwa variabel yang berpengaruh dominan terhadap Keputusan Pembelian pada toko online Sandi Group di shopee adalah variabel Harga.
Pengaruh Persepsi Penggunaan, Efisiensi, Efektif terhadap Kemudahan Pemesanan E-Ticketing Kereta Api Henny Dwijayani; Javis Ragil Septian; Luluk Tri Harinie
Journal of Public Power Vol. 6 No. 1 (2022): Juournal Public Power Vol. 6 No.1
Publisher : Universitas Darul Ulum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32492/jpp.v6i1.765

Abstract

This study was conducted to examine the effect of perceived use, efficiency, and effectiveness on the ease of ordering train e-ticketing. The level of acceptance of technology can be known and analyzed using TAM theory. The analytical method used to examine the effect of perception is partial multiple linear regression where respondents numbered 128 and some accompanying characteristics. Data collection techniques in the form of questionnaires and measurement of data using a Likert scale. The study results stated that train service users considered that the existence of an application and ticket booking through e-ticketing provided convenience in ordering train tickets. Besides being easy to use, it is also effective because of the several amenities it offers. However, other results show that they are different, namely efficient, where e-ticketing does not offer a cheaper price, meaning that the price is the same as ordering tickets manually.
ANALISIS KINERJA KEUANGAN PADA PERUSAHAAN PROPERTI YANG LISTING DI BURSA EFEK INDONESIA TAHUN 2012-2014: Property Company, Liquidity Ratios, Solvency Ratios, Profitability Ratios, Activity Ratios. lailatul maulidiyah; Henny Dwijayani
eBA Journal: Journal Economic, Bussines dan Accounting Vol. 4 No. 2 (2017): Journal Economic, Bussines dan Accounting
Publisher : Fakultas Ekonomi Universitas Darul Ulum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32492/eba.v4i2.760

Abstract

Financial aspect is the aspect most widely used by financial analysts. Thisaspect is used on the assumption that, in addition to the condition of thecompany's financial situation may reflect the actual state of the company, thecompany's financial condition also show whether the business carried on thecompany profitable / no. The purpose of this study was to determine the financialperformance of property companies listed on the Indonesia Stock Exchange in2012-2014, by comparing the results of the financial performance of eachcompany the property using the formulas for the financial ratios liquidity ratios,solvency ratios, profitability ratios and activity ratios.From the analysis it can be seen on the company's financial performancethat the property of their respective annual financial ratios of property companieshas increased and decreased in accordance with the financial level that occur ineach property companies every year.
Determinant Factors E-Satisfaction and Repurchase Intention of Investment Platform Users In Indonesia Henny Dwijayani; Wahyudi Sofyan; Arief Yanto Rukmana; Etika Purnamasari; Jasman
Jurnal Sistim Informasi dan Teknologi 2023, Vol. 5, No. 3
Publisher : SEULANGA SYSTEM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60083/jsisfotek.v5i3.284

Abstract

Together With The Level Of Financial Literacy Of The Indonesian Population, Which Has Increased Significantly, And Financial Digital Technology, Which Has Shown Positive Developments, The Development Of Retail Investors In The Capital Market In Indonesia Is A Very Good And Potential Moment For The Investment And Financial Industry In Indonesia. Regarding The Percentage Of Investors In The Capital Market, Indonesia Still Has Issues And Lags Behind Other Nations. The Economy Of A Nation Benefits From Having More Investors In The Capital Market. This Study Intends To Examine How E-Service Quality, E-Trust, E-Satisfaction, And E-Repurchase Intention Relate To One Another. The Route Analysis Approach Was Utilized To Analyse The Data And Provide The Research Findings For This 150-Respondent Study. The Findings Demonstrated That E-Service Quality Has A Direct Impact On Users' E-Satisfaction With Investment Platforms, E-Service Quality Has A Direct Impact On Users' Intention To Repurchase On One Investment Platform, And E-Service Quality And E-Satisfaction Have No Indirect Influence On Users' Intention To Repurchase Through Their E-Satisfaction.
Co-Authors Ach. Muzajjad Arief Yanto Rukmana Aslichah Betty Rahayu Ferry Jasman Javis Ragil Septian lailatul maulidiyah Luluk Tri Harinie Purnamasari, Etika Rubait Dasururi Suhartatik Wahyudi Sofyan