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FAKTOR-FAKTOR YANG MEMPENGARUHI INTERMEDIASI BANK DENGAN VARIABEL MODERATING KUALITAS KREDIT (STUDI KASUS BPR DI SALATIGA) Dewi Widyaningsih; Edwin Zusrony
Jurnal HUMMANSI (Humaniora, Manajemen, Akuntansi) Vol 2 No 2 (2019): Jurnal HUMMANSI (Humaniora, Manajemen, dan Akuntansi)
Publisher : Sekolah Tinggi Ilmu Komputer YOS SUDARSO Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (970.815 KB) | DOI: 10.33488/1.jh.2019.2.211

Abstract

Kegiatan intermediasi bank memerlukan penilaian terhadap faktor karakteristik penentu tingkat kecukupan modal yang bisa berpengaruh pada jumlah distribusi kredit, agar tidak terjadi kegagalan atau risiko terhadap aktivitas intermediasi yang dilakukan. Tujuan penelitian menganalisis interaksi pengaruh Dana Pihak Ketiga, Pinjaman, Efisiensi Manajemen, Profitabilitas terhadap intermediasi bank yang di proksi oleh Variabilitas Kecukupan Modal dan Jumlah distribusi Kredit dimoderasi Kualitas Kredit bank. Data sekunder diperoleh melalui data Keuangan Bank Perkreditan Rakyat di Salatiga telah terdaftar dan dipublikasikan bagi umum oleh Otoritas Jasa Keuangan(OJK) tahun 2013 – 2017. Pengujian menggunakan analisis regresi linear dan metode uji interaksi MRA(Moderated Regression Analysis). Hasil penelitian mengindikasikan terdapat interaksi parsial dengan pengaruh negatif antara Dana Pihak Ketiga, Pinjaman, Efisiensi Manajemen serta Profitabilitas signifikan terhadap Kecukupan Modal bank. Kecukupan Modal mencerminkan tidak memberi pengaruh terhadap Jumlah distribusi kredit. Variabel Kualitas kredit dapat menguatkan atau memoderasi secara signifikan hubungan antara Kecukupan Modal terhadap Jumlah distribusi kredit.
Enhancing Product Innovation Through Digital Value Resonance: Technology Readiness Luthfy Purnanta; Agustinus Budi Santoso; Roymon Panjaitan; Edwin Zusrony
Relevance: Journal of Management and Business Vol. 5 No. 1 (2022)
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (609.849 KB)

Abstract

This study intends to investigate technology readiness and the proficient to strive digitally for various offerings across digital value resonance, primarily for small medium enterprises. Questionnaires and interviews were used to gather data from 204 small and medium-sized businesses. SEM-PLS approaches are used to evaluate the impact of information with a trajectory moderated by digital value resonance on product innovation. The findings demonstrated that the digital value resonance managed to avoid the link between technological preparedness and product innovation enhancement. The advantages of this study are in the synthesizing of proposed digital value resonance variables from the results of resource-based view theory propositions, which aids in connecting previous researcher gaps and adds to a new concept that can configure digital value at the level of competition and increase MSME innovation products.
Implementasi Aplikasi digitalisasi Produk UMKM dengan E-Katalog dan GIS secara terpadu untuk Pemetaan dan optimasi penjualan Agustinus Santoso; Ivan Permana; Edwin Zusrony; Maya Utami Dewi
Elkom : Jurnal Elektronika dan Komputer Vol 15 No 2 (2022): Desember : Jurnal Elektronika dan Komputer
Publisher : STEKOM PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/elkom.v15i2.841

Abstract

The behavior of changing the use of technology for business actors is very rapid. Information of system is form of data that has been processed through a certain model into information that can be used by the recipient in making decisions. Some MSME actors with a Data List of product images and detailed information on their products to be marketed to customers using laminated paper. Marketing information using the Website implements CMS with E-Catalog as an alternative solution. Reader and Viewers can view the Catalog privately or together. The treatment of the Plugin model with the CMS that has been embedded on the website is reliable because it is online. Several list images are displayed on WhatsApp Status and social media to introduce products to the public with the aim of increasing sales volume and selling in the market. This is an obstacle if one day people need pictures but do not have complete detailed information. High purchasing power is expected to be created from the spread of E-Catalog regarding products from MSMEs that have been installed on the E-Catalog website. Websites with online CMS can be opened on any device by requiring an internet connection, making it easier for marketing and complete information for consumers, customers and MSME business players.
Peningkatan Kompetensi Technopreneurship Siswa-Siswi SMKT Al-Huda Petak Kabupaten Semarang Melalui Pelatihan Digital Marketing Edwin Zusrony; Edy Jogatama Purhita; Ahmad Zainudin; Dewi Widyaningsih; Agus Priyadi; Indra Ava Dianta; Siti Kholifah
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 4 No. 1 (2023): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN)
Publisher : Cv. Utility Project Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (718.37 KB)

Abstract

Pelatihan dan pendampingan kegiatan pengabdian kepada masyarakat dengan topik digital marketing bagi siswa dan siswi Sekolah Menengah Kejuruan Terpadu Al Huda Petak Kabupaten Semarang dengan harapan meningkatkan kompetensi serta pengetahuan dalam digital marketing serta dapat digunakan sebagai bekal menjadi pengusaha muda. Pelatihan serta pendampingan ini dilakukan dengan metode ceramah, praktik, tanya jawab serta diskusi secara langsung. Pelatihan ini mengajarkan penggunan teknik copywriting untuk membuat flyer digital dengan bantuan aplikasi Canva. Para peserta dari siswa dan siswi Sekolah Menengah Kejuruan Terpadu Al Huda Petak dalam praktik pembuatan flyer digital menggunakan aplikasi Canva sangat bersemangat, antusias dan interaktif. Kegiatan dilaksanakan secara luring di ruang kelas Sekolah Menengah Kejuruan Terpadu Al Huda Petak yang beralamat di Jalan Hos Cokroaminoto Petak, Desa Sidoharjo, Kecamatan Susukan, Kabupaten SemarangSasaran dalam pelatihan ini merupakan siswa kelas XI jurusan teknik komputer jaringan berjumlah 44 orang. Praktik hasil pelatihan dan pendampingan kegiatan pengabdian kepada masyarakat agar para siswa memiliki kemampuan yang kompeten di bidang digital marketing.
Pelatihan Untuk Meningkatkan Market Segmentation Kelompok UMKM di Kota Salatiga Edwin Zusrony; Agustinus Budi Santoso; Sindhu Rakasiwi; Myra Andriana; Tantik Sumarlin; Yuli Fitrianto; Suprapti
Community : Jurnal Pengabdian Pada Masyarakat Vol 2 No 3 (2022): November : Jurnal Pengabdian Pada Masyarakat
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi - Studi Ekonomi Modern

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (389.588 KB)

Abstract

The implementation of community service activities is aimed at the MSME group regarding how to increase market segmentation with various counseling with material on the importance of packaging and labeling, introduction of product sales strategies through e-commerce, introduction of website, digitalization of modern business for MSMEs and the use of Google My Business (GMB). The counseling was carried out by direct interaction between lecturers from the STEKOM University team and participants from the MSME group in the city of Salatiga. Model training and counseling with presentations and hands-on practice using electronic devices, such as laptops, LCDs and smartphones. This outreach program is expected to be sustainable and enable participants to implement strategies to increase market segmentation, especially the MSME group in Salatiga City.
Café-Relevant Value and Brand Awareness on Purchase Intention: Empirical Study of Local Brand Cafe Roymon Panjaitan; Edwin Zusrony
Inovbiz: Jurnal Inovasi Bisnis Seri Manajemen, Investasi dan Kewirausahaan Vol 2, No 1 (2022): Edisi Juni 2022
Publisher : Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (523.436 KB) | DOI: 10.35314/inovbizmik.v2i1.2281

Abstract

The importance of this study is discussed to determine the intensity of purchases resulting from cafe-relevant value, as well as the impact of brand awareness through e-wom. Two hundred forty-six respondents were used as coffee lovers in cafes, most used questionnaires and interviews as data collection methodologies. This study analyzed data from e-WOM-mediated path analysis on purchase intention using SEM-PLS multiple path analysis. The research findings have a positive relationship between cafe relevant value and brand awareness in influencing e-wom and a direct positive contribution between café-relevant value and brand awareness on purchase intention. So, it is proven that e-wom has the potential to increase the intensity of coffee purchases in cafes.
Analisis Perceived Usefulness, Perceived Ease of Use dan Perceived Risk Terhadap Minat Penggunaan Pembayaran Digital Quick Response Indonesia Standard (QRIS) Pada Pelaku UMKM Edwin Zusrony; Luthfy Purnanta Anzie; Pindo Asti; Gibson Manalu; Ivan Permana; Tri Imaliya
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 16 No 1 (2023): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : STEKOM PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v16i1.1211

Abstract

The research aims to measure and determine the effect of perceived usefulness, perceived ease of use, and perceived risk on the interest in using QRIS digital payments by MSME actors in Salatiga City, Central Java Province. Data collection uses Google Forms with a Likert scale. The sample that will be used is 60 MSME respondents in the city of Salatiga with a non-probability sampling technique of the convenience sampling type, namely because of the ease of obtaining data. Data analysis used multiple linear regression methods and was processed using SPSS 26.0. The results of the study show that the variables perceived usefulness, perceived ease of use, and perceived risk have a significant influence on the interest in using QRIS digital payments by MSME actors in Salatiga City and the perceived usefulness variable has a dominant effect on the interest in using QRIS digital payments by MSME actors in Salatiga City, Central Java Province.
Peran Digital Entrepreneurship Mindset: Keputusan Adopsi Platform Digital Bagi Pelaku Bisnis Dewi Widyaningsih; Edwin Zusrony; Hardi Utomo
Jurnal Sistem Informasi Bisnis Vol 13, No 2 (2023): Volume 13 Nomor 2 Tahun 2023
Publisher : Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21456/vol13iss2pp162-171

Abstract

The research was conducted to analyze the influence of developing a digital entrepreneurship mindset as an impact of facing digital transformation for MSME actors by considering digital aptitude factors, digital literacy. Non-random sampling techniques were taken by 120 MSME actors and questionnaire distribution techniques by convenience sampling. Data analysis method to determine the relationship between variables with multiple linear regression and path analysis test (sobel test), data was processed using the IMB SPSS 25 application. Finding the results of digital aptitude t count 5,531 and digital literacy tcount 4,419 > ttable1,980 (level sig. 5%) have a significant effect on DEM and all simultaneous variables 47% influence the development of digital entrepreneurship mindset. Digital aptitude tcount 5,531 and digital literacy tcount 3,215> 1,980 have a significant effect on digital platform adoption decisions and variables simultaneously by 55% have an influence on adopting digital platforms. Meanwhile, the results of the DEM pathway test were significantly able to mediate the influence of digital aptitude Zhitung = 2 and digital literacy Zhitung = 2.854> 1.96 on digital platform adoption decisions.
PELATIHAN DAN PENYULUHAN TATA KELOLA ORGANISASI BAGI UMKM CV. BONANZA DI BOYOLALI UNTUK MENINGKATAN KINERJA PERUSAHAAN Edwin Zusrony; Ahmad Zainudin; Edy Jogatama Purhita; Agustinus Budi Santoso; Dewi Widyaningsih; Indra Ava Dianta
J-DEPACE (Journal of Dedication to Papua Community) Vol 2, No 2 (2019): Desember
Publisher : Universitas Victory Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34124/jpkm.v2i2.46

Abstract

Perkembangan dunia usaha terjadi begitu masif dan cepat, dimana seorang pengusaha harus selalu belajar cepat menghadapi segala perubahan yang terjadi. Salah satu cara yang dapat dilakukan adalah mengadakan pelatihan terhadap pengelolaan organisasi dalam dunia usaha agar dapat menghadapi tantangan zaman. Pelatihan oleh tim dosen STEKOM Semarang dalam rangka tata kelola organisasi bagi UMKM CV. Bonanza di Kab. Boyolali, Jawa Tengah terkait dengan beberapa materi seperti strategi memperoleh pinjaman modal kerja dari perbankan, teknik pembuatan laporan keuangan bagi UMKM, perancangan website pada UMKM, perancangan promotion content pada UMKM,  teknik manajemen periklanan, serta perancangan media periklanan. Pelatihan dan penyuluhan ini menjadi langkah nyata dalam mengaplikasikan ilmu yang dimiliki oleh para dosen untuk pengabdian masyarakat sebagai salah satu dari kegiatan Tridharma Perguruan Tinggi. Dalam melakukan pelatihan dan penyuluhan, kami menggunakan metode presentasi interaktif dan sesi tanya untuk meningkatkan pemahaman terhadap materi yang disampaikan.
THE EFFECT OF WAGES, INCENTIVES, AND SOCIAL SECURITY ON EMPLOYEE PERFORMANCE IMPROVEMENT IN MULTIFINANCE COMPANIES IN CENTRAL JAVA Pemilia Sulistyowati; Edwin Zusrony; Sherly Dwi Ditzi Savitri
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 6, No 2 (2022): IJEBAR, Vol. 6 Issue 2, June 2022
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v6i2.5537

Abstract

This study was made to see the effect of wage variables, incentive variables, and social security variables on the performance of employees of multifinance company XY in the city of Salatiga. The number of respondents who were used as research samples as many as 30 people with saturated sampling technique, ie all the population was used as respondents. Collecting data using a questionnaire by providing several questions related to the variables of wages, incentives, social security and employee performance. Measurement of research instruments using a Likert scale and data analysis using multiple linear regression. With the help of the SPSS 23 program, it is known that wages, incentives, and social security variables have a positive and significant influence on the performance variables of multifinance company XY employees in the city of Salatiga, this is evidenced by a significance value of less than 0.05. And simultaneously it is known from the F test, that the variables of wages, incentives, and social security have a significant influence of 0.000 on the employee performance variable.
Co-Authors Adi Suryo Ramadhan Adriana, Myra Agus Priyadi Agustinus Budi Santoso Agustinus Budi Santoso Agustinus Budi Santoso Agustinus Santoso Ahmad Ashifuddin Aqham Ahmad Zaenuri Ahmad Zainudin Ahmad Zainudin Ahmad Zainudin Akbar, Muhamat Maulana Andriana, Myra Anwar Rosidi Anzie , Luthfy Purnanta Anzie, Lutfy Purnanta Arianti Waruwu Asri Winanti Madyoningrum Asti , Pindo Asti, Pindo Aurida Mahelvi Ayu Agsya Azzahro Uswatun Nisa Budi Santoso Dendy Kurniawan Dewi Widyaningsih Dewi Widyaningsih Dhea Ayu Cahyaningsih Diah Kusumawati Dini Faradina Dwi Setiawan Edy Jogatama Purhita Eko Hari Wibowo, Eko Hari Eko Siswanto Endang Kustami Endang Kustami Gibson Manalu Gibson Manalu Greget Widhiati Hardi Utomo Hargyatni, Titin Haryo Kusumo Hendriyani, Ida Heni Susilowati Heru Prastyo Hindriyanto Dwi Purnomo Ibaneza, Nada Trashtya Ida Hendriyani Imaliya, Tri Imamah, Istihabil Indra Ava Dianta Ivan Permana Ivan Permana Jaelani Jaelani Jaelani Jaelani Jaelani, Jaelani Jarot Dian Susatyono Jentoro Wicaksono Juriyanto Kasih Purwantini Kuncoro, Wreda Agung Kustami, Endang Kusumajaya, Robby Andika Kusumaningtyas, Dhevi Dadi Kusumo, Haryo Luthfy Purnanta Anzie Luthfy Purnanta Anzie Magriyanti, Arie Atwa Manalu , Gibson Maulan, Puteri Anindya Maulana, Putri Anindya Maya Utami Dewi Maya Utami Dewi, Maya Utami Muflihah, Robingatul Myra Andriana Nur Cahyo, Taufik Galih Nur Rokhman NURCAHYANINGSIH, WIDYA Nurrochman Nurrochman Nurul Ulfa Pemilia Sulistyowati Permana , Ivan Permana, Ivan Pindo Asti Pindo Asti Purhita, Edy Jogatama Purwoko, Edo Indrawan Puteri Anindya Maulan Putri, Ramadhani Oktaviana Reni Veliyanti Roymon Panjaitan S Siswanto Savitri, Sherly Dwi Ditzi Sherly Dwi Ditzi Savitri Sinaga, Herty Ramayanti Sindhu Rakasiwi Siswanto, Edy SITI KHOLIFAH Siti Kholifah Siti Kholifah Sri Yulianto Joko Prasetyo Sulistyowati, Pemilia Sumaryanto Sumaryanto, Sumaryanto Suprapti Tantik Sumarlin . Titin Hargyatni Tri Imaliya Tri Imaliya Veliyanti , Reni Vera Sari Gunawan Wesly Tumbur ML Tobing Wicaksono, Jentoro Widya Ariyani Wreda Kuncoro Yedija Peter Aridia Yuli Fitrianto