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All Journal JURNAL RELASI STIE MANDALA JEMBER JURNAL MANAJEMEN DAN BISNIS INDONESIA Jurnal STEI Ekonomi ABM: International Journal of Administration, Business and Management Relasi : Jurnal Ekonomi ABM: International Journal of Administration, Business and Management Journal of Business Economics and Management Kurva: Jurnal Ekonomi Manajemen Keuangan dan Bisnis
Karim Budiono
Institut Teknologi Dan Sains Mandala
Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Environmental Science Social Sciences

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Journal : JURNAL RELASI STIE MANDALA JEMBER

 1 
VARIABEL ASESTABILITAS INVESTASI PADA PRODUK PERBANKAN/TABUNGAN BERJANGKA (Studi Kasus Pada PT. Bank Tabungan Pensiunan Nasional – BTPN Cabang Jember) Wita Vianika; Karim Budiono
RELASI : JURNAL EKONOMI Vol 17 (2013)
Publisher : STIE Mandala Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31967/relasi.v17i0.2

Abstract

There are seventeen commercial banks that operate at Jember, they have similar services products but the  different between them is the interest rate and their to the costomers, so that competation among banks to be highly competitive. This research at PT. Bank Tabungan Pensiunan Nasional (BTPN), Tbk than have specific market segments as compared to other banks. The independent variables in this research are interest rate (X1), promotion (X2), product (X3), eference group (X4) and location (X5) and the dependent variable is number of clients who invest  at limited deposits.  The purpose of this research are to know which of independent variables that influce the dependent variable and to know which of independent variables most dominant to dependent variable and interest rate is the most dominant variable in this research.  Finally, the conclution that we can suggest are the main priority about policy interest rate and the other variables most improve their performance because they have positive correlation.
ANALISIS ALTERNATIF REPLACEMENT ATAU LEMBUR PADA PT. MITRATANI DUA TUJUH JEMBER Subhan Hariadi; Karim Budiono
RELASI : JURNAL EKONOMI Vol 16 (2012)
Publisher : STIE Mandala Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31967/relasi.v16i0.60

Abstract

PT Mitratani Dua Tujuh in Jember produces soy Edamame for the export market to Japan . Demand from Japan is increasing because Edamame manufacturers from China and Taiwan can not meet the demand from Japan. Increased demand at PT . Mitratani Dua Tujuh can still be met because of agricultural land in Jember still wide enough to produce Edamame. Increasing demand impact on labor requirements , so the company has two (2) alternatives to the use of labor. First, buy a new machine for sorting tool is the Individual Quick Frozen (IQF) or Second , using overtime system using human power . The purpose of the study in order to maximize profits. The analysis used analysis of financial loss (gain ), Net Present Value (NPV) , Internal Rate of Return (IRR) . From the analysis it is known that the largest net profit obtained by alternative purchase a new machine , but when viewed from a NPV analysis using alternative overtime it has a higher NPV . It was concluded that the use of overtime work better when compared to the purchase of a new machine .
ANALYSIS OF FINANCING EFFECTIVENESS IN SHARIA COOPERATIVES BMT BINA TANJUNG IN JEMBER Bagus Qomaruzzaman Ratu Edi; Karim Budiono; Musaiyadi Musaiyadi
RELASI : JURNAL EKONOMI Vol 18 No 2 (2022)
Publisher : STIE Mandala Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31967/relasi.v18i2.603

Abstract

According to the Decree of the Minister (Kepmen) of Cooperatives and UKM of the Republic of Indonesia Number 91 of 2004 Sharia Financial Services Cooperatives (KJKS) are cooperatives whose business activities are engaged in financing, investment, and savings according to the pattern of profit sharing (sharia). In carrying out its function as a property development house, the BMT Bina Tanjung Sharia Cooperative encourages saving activities and supports the financing of economic activities. The objectives of this study are (1) to determine the effectiveness of sharia financing that has been carried out by the BMT Bina Tanjung Sharia Cooperative in Jember; (2) Knowing the Net Performing Loan (NPL) financing of Sharia Cooperative BMT Bina Tanjung in Jember. This study uses the analysis of Financing Effectiveness and Net Performing Loan Ratio (NPL). By using the purpose sample technique with 30 selected customer respondents, the results include; (a) The effectiveness of financing distribution at the BMT Bina Tanjung Sharia Cooperative in Jember resulted in an average disbursement of financing to customers in the January 2021 to December 2021 range of 105.5%. This means that if the achievement results are more than 100%, then the financing of the BMT Bina Tanjung Sharia Cooperative in Jember is in the Very Effective category, (b) The Net Performing Loan (NPL) calculation shows that the NPL ratio of financing in the BMT Bina Tanjung Jember Sharia Cooperative is above the Bank's ideal number. Indonesia is 5%, which is 7.3%, meaning that there are more bad loans than current loans.
Co-Authors Amar Subagyo Anggraeni, Yulia Bagus Qomaruzzaman Devi, Serlina Oktavia Dimyati Fendi Chandra Setiawan Hamzah Fansuri Inun Nur Rochma Musaiyadi Musaiyadi Rachmawati, Ratih Ratih Rachmawati Shafira, Mila Subagyo, Amar Subhan Hariadi Tamriatin, Hidayah Wita Vianika Wiwik Fitria Ningsih Wulandari, Yulia Tri Yulia Anggraeni Zainulloh Zainulloh