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All Journal Jurnal Manajemen Bisnis dan Kewirausahaan Journal of Information Technology and Education (JITED)
Bagus Santosa
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Computer Science & IT Economics, Econometrics & Finance Education Engineering Social Sciences

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Pengaruh Peraturan Bank Indonesia Tentang Kredit UMKM Terhadap Total Kredit, Rasio Kredit Umkm, Risiko, Efisiensi dan Profitabilitas Bank Pembangunan Daerah Bagus Santosa; Yanuar Yanuar
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 4, No 2 (2020): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v4i2.7522

Abstract

This research aims to analyze the effect of Bank of Indonesia Regulation on Micro, Small, and Medium Enterprises (MSME) loans towards the Loan Disbursed, MSME Loan Ratio, Risk, Efficiency, and Profitability of Regional Development Banks.  This research analyzes the financial data from 10 BPDs over 10 years period to understand the Loan Disbursed, MSME Loan Ratio, Risk, Efficiency, and Profitability of the BPDs before and after the implementation of Regulation Number 14/22/PBI/2012. The financial data were analyzed using the Paired-Sample t-test. Findings show that the overall loan disbursed by BPDs in the period of 2013-2017 or after the Regulation on MSME loans was implemented, is higher than that in the period of 2008-2012 or before the regulation was implemented. However, while the regulation aims to increase the MSME loan disbursed by the banks, the MSME Loan Ratio in the period of 2013-2017 was lower than that in the period of 2008-2012. The Risk, measured by Non-Performing Loan, in the period of 2013-2017 was also increased. The regulation also affects the profitability of the BPDs negatively. The Efficiency, measured by Operating Expenses Operating Income, was not significantly affected by the regulation. The results may inform the regulators to assist the BPDs in responding to the regulation so it could affect BPDs in a more positive way. This may also inform the banks on their financial conditions so they can plan for strategic approaches and develop appropriate schemes on disbursing MSME loans.
Pengembangan Sistem Informasi Praktik Kerja Lapangan Berbasis Website SMK Negeri 1 Pengasih Bagus Santosa; Nurkhamid
Journal of Information Technology and Education (JITED) Vol. 2 No. 1 (2024): March 2024
Publisher : Department of Electronics and Informatics Engineering Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jited.v2i1.276

Abstract

This research aims to: (1) Developing a web-based student internship information system that solves data management, information delivery, and internship service at SMK N 1 Pengasih; (2) Executing comprehensive quality assessments on the developed system, aligning with ISO 25010 standards, focusing on the characteristics of usability, functional suitability, performance efficiency, reliability, and maintainability. Employing a Research and Development (R&D) approach within the Waterfall Model's five stages (communication, planning, modeling, construction, and deployment), this research was conducted at SMK N 1 Pengasih. The results of this research indicate that: (1) The web-based student internship information system is developed and aptly serves data management, information delivery, and internship service at SMK N 1 Pengasih; (2) The web-based student internship information system meets ISO 25010 software quality standards as follow: Usability characteristic is categorized as “Very Suitable” with a percentage of 85.92%, functional suitability characteristic is categorized as “Very Suitable” with a percentage of 100%, reliability characteristic meets the standard with a percentage of 99.73%, performance efficiency characteristic is categorized as “Good” with performance score of 97.32%, structure score of 94.36%, and a load time of 1.27 seconds, and maintainability characteristic is categorized as “Highly Maintainable” with a MI value of 90.50.
Co-Authors Nurkhamid Yanuar Yanuar