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The Effect of Credit Development and Interest Income on Profits at Bank bjb Yudianto, Agus; Nurpratama, Meddy
EAJ (Economic and Accounting Journal) Vol. 4 No. 2 (2021): EAJ (Economic and Accounting Journal)
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/eaj.v4i2.y2021.p111-124

Abstract

The economic activity of a country is inseparable from the traffic of money payments, where the banking industry plays a very strategic role, it can be said to be the lifeblood of the economic system, banks have the main function as an intermediary service with their main activities collecting funds from the public and channeling them back to the public and also as the center of a complex financial structure both nationally and internationally, where the objective is to support the implementation of national development. Identify problems that will be discussed further are as follows: How is the development of credit in 2012-2018 at bank bjb, How is the development of interest income in 2012-2018 at bank bjb, How is the development of profit in 2012-2018 at bank bjb, How is the influence of credit development on profits in 2012-2018 bank bjb, How is the influence of the development of interest income on profits in 2012-2018 at bank bjb. Given this problem to solve the problem between the effect of credit development and interest income on earnings, the researcher uses a simple regression coefficient
PEMBERDAYAAN USAHA KECIL MENENGAH (UKM) MELALUI MANAJEMEN USAHA DAN PENERAPAN TEKNIK PEMASARAN DI KERUPUK TERASI EL3 KABUPATEN INDRAMAYU Yudianto, Agus; Nurpratama, Meddy
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 4, No 2 (2021): Martabe : Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v4i2.657-668

Abstract

Dari pelaksanaan Pemberdayaan msyarakat di UKM Kerupuk Terasi EL3 selama kurang lebih 40 hari, ada beberapa permasalahan dan kendala yang dihadapi seperti tidak adanya pemasaran online seperti digital marketing dan media sosial. Beberapa solusi yang dapat kami berikan diantaranya yaitu, membantu membuatkan akun media sosial, mempromosikan produk secara online, membuat strategi pemasaran promosi di Era Revolusi Industri 4.0, serta pemberian alat pengepress (Impluse Sealer). Selain itu, dari UKM Kerupuk Terasi EL3 juga kami mendapatkan ilmu sekaligus pengalaman dalam menjalankan sebuah usaha serta mengetahui proses produksi hingga pemasaran produk
KELOLA KEUANGAN DAN PEMASARAN ONLINE UKM PADA RUMAH PANGAN KERIPIK TEMPE DI DESA SINGARAJA KABUPATEN INDRAMAYU Yudianto, Agus; Nurpratama, Meddy
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 5, No 3 (2022): Martabe : Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v5i3.1126-1131

Abstract

Perubahan semakin tajam dengan menjadi kompetitif dan kompetitif. Oleh karena itu, mengingat keahlian di bidang manajemen keuangan dan keterampilan pemasaran yang berbasis dunia global, yaitu melalui jaringan internet yang disebut dengan konsep online, mau tidak mau harus ditangani dengan bijak sesuai dengan tuntutan zaman. Tentunya para pelaku usaha harus mempersiapkan diri secara strategis untuk mencapai tujuan yang diharapkan yaitu teknik pengelolaan keuangan yang dapat dijadikan pedoman dalam pengelolaan keuangan dengan harapan dapat lebih efisien dan perubahan pasar yang cepat dengan hadirnya teknologi pemasaran online dirasakan dapat mampu beradaptasi. Bukan tidak mungkin kita akan menggunakan pemasaran online. Ke depan, bukan berarti pelaku usaha kecil dan menengah justru akan mengalami persaingan yang kompetitif, oleh karena itu pelaku usaha kecil harus dibekali dengan pemanfaatan teknologi dan mampu beradaptasi dengan kondisi pasar. Jika tidak, ia akan dihancurkan oleh persaingan yang kompetitif, pengetahuan dan keterampilan manajemen keuangan. Pengabdian kepada masyarakat ini bertujuan untuk meningkatkan tata kelola keuangan dan pemasaran online yang baik. Dihadiri oleh peserta UKM laki-laki dan perempuan, teknik dan metode yang digunakan dalam kegiatan pengabdian masyarakat melalui pendampingan pelatihan adalah; pertama, penjelasan menggunakan slide power point dan LCD proyektor dalam workshop pelatihan manajemen keuangan yang sederhana dan sederhana. Pengabdian ini dilaksanakan di Desa Singaraja, Kabupaten Indramayu.
Pengaruh Digital CRM melalui Aplikasi Alfagift terhadap Loyalitas Pelanggan Alfamart Wilayah Kecamatan Cikedung, dengan Kepuasan Pelanggan sebagai Variabel Mediasi Ma’arif, Putuhal; Sugiarto, Sugiarto; Yudianto, Agus
Jurnal EMT KITA Vol 10 No 2 (2026): APRIL 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i2.6112

Abstract

This study aims to analyze the influence of Digital Customer Relationship Management (Digital CRM), implemented through the Alfagift application, on Alfamart customer loyalty, with customer satisfaction serving as a mediating variable. The research is motivated by the increasing competition in modern retail, which requires companies to integrate digital services into long-term customer relationship strategies. Using a quantitative approach, data were collected through questionnaires from 100 Alfagift users in the Cikedung area who were selected based on specific criteria. Multiple regression analysis and the Sobel test were used to examine the hypotheses. The results show that Digital CRM through Alfagift (X) has a positive and significant influence—both directly (partial pathway) and simultaneously—on customer loyalty (Y). This finding is supported by a t-value of 5.066 with a significance level of 0.000. The study also confirms that customer satisfaction (Z) is a strong determinant of loyalty, indicated by a t-value of 2.996 and a significance level of 0.003. Most importantly, the mediation test (Sobel Test: Z = 2.224; p-value = 0.0261) demonstrates that customer satisfaction partially mediates the relationship between Digital CRM and customer loyalty. Overall, this research concludes that Alfamart customer loyalty is driven not only by the effectiveness of Digital CRM but also by the ability of the Alfagift application to create valuable experiences that lead to increased customer satisfaction. Practical implications highlight the need to optimize feature personalization and improve application interface quality to strengthen sustainable customer relationships.
Peran Strategis Komunikasi Pemasaran dan Kualitas Produk dalam Membangun Loyalitas Pelanggan: Integrasi Perspektif Kepercayaan dan Nilai Pelanggan pada Ritel Modern Alfamart Durosid, Durosid; Yudianto, Agus; Sonjaya, Nana Supriatna
Jurnal EMT KITA Vol 10 No 3 (2026): JULY 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i3.6330

Abstract

The purpose of this study is to examine how marketing communication and product quality affect Alfamart customers' loyalty. Alfamart must comprehend the elements that influence consumer loyalty in order to preserve and grow its market share in the face of growing competition in the retail industry. One hundred Alfamart clients in Indramayu were given a questionnaire as part of the research methodology. To test the hypothesis, several regression analysis approaches were applied to the acquired data. According to the study's findings, Alfamart's customer loyalty is positively but not significantly impacted by marketing communications. In the meantime, Alfamart's customer loyalty is positively and significantly impacted by pleanggan quality. These results show that high-quality products and efficient marketing communication techniques can raise customer satisfaction, which would eventually increase brand loyalty on Alfamart. In order to sustain consumer loyalty in the face of escalating competition, Alfamart is anticipated to benefit from this research by continuing to enhance its communication strategy and guarantee product quality.
Peran Social Media Marketing dan Influencer Marketing dalam Upaya Meningkatkan Minat Beli Konsumen pada Produk UMKM Raffas Kitchen Indramayu Yudianto, Agus; Nurpratama, Meddy; Firdaus, Taufansyah; Sonjaya, Nana Supriatna
Jurnal EMT KITA Vol 10 No 3 (2026): JULY 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i3.6524

Abstract

The purpose of this study is to examine how consumer interest in purchasing from Raffas Kitchen MSMEs in Indramayu is impacted by social media marketing and influencer marketing tactics. The study employs an explanatory research strategy and a quantitative methodology. Using a purposive sampling strategy, questionnaires were given to 47 respondents in order to gather data. With indicators like online communities, interaction, accessibility, and credibility, the results show that the social media variable has a considerable impact on consumers' desire in making a purchase. However, because of low levels of interaction and a mismatch between the target market and the audience, the influencer marketing variable does not demonstrate a meaningful impact. Evaluation of the measurement model shows that all indicators are valid, with AVE surpassing 0.5, loading factor values over 0.70, and composite reliability above 0.7. A 0.521 R-squared value suggestsindicated 52.1% of the variation in customer purchasing interest can be explained by social media and influencer marketing combined. To increase the efficacy of marketing strategies, this study suggests choosing more appropriate influencers and optimizing social media content.