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All Journal Jurnal Ekonomi dan Bisnis Samalewa: Jurnal Riset dan Kajian Manajemen Jurnal Pengembangan Masyarakat Lokal
U Usman
Universitas Samawa
Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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PENGARUH CAPACITY, CAPITAL DAN COLLATERAL TERHADAP TINGKAT PENGEMBALIAN ANGSURAN KREDIT PADA PD. BANK PERKREDITAN RAKYAT (BPR) NUSA TENGGARA BARAT SUMBAWA U Usman; Rosyidah Rachman; Diah Fidayanti
Jurnal Ekonomi & Bisnis Vol. 10 No. 1 (2022): Jurnal Ekonomi & Bisnis
Publisher : Pusat Riset dan Publikasi

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Abstract

This study aims to analyze the effect of capacity, capital and collateral toward the rate of return on installments of financing in PD. BPR NTB Sumbawa. The data used in this study was primary data. The numbers of sample were 27. Technique used to determine sample was non-reliability sampling. The methods of analysis in this study were validity test, reliability of the data, data normality test, autocorrelation test. multicollinearity test, heteroscedasticity test, multiple linear regression test, hypothesis test and test the coefficient of determination (R2). The results of the multiple linear regression test showed that the variable capacity had a positive effect toward the rate of repayment of financing installments with a capacity coefficient of 0.413, the variable capital had a positive effect toward the rate of return on financing installments with a capacity coefficient of 0.533. Collateral variable had a positive effect toward the repayment rate of financing installments with a collateral coefficient of 0.225. The results of the t test of this study indicate that the variable capacity has a significant effect on 0.01<0.05. The variable capacity was significant of 0.01<0.05. Collateral variable was not significant 0.102>0.05. The results of the F test of the Capacity, Capital, and Collateral variables simultaneously had a significant effect toward the repayment rate financing installments in PD. BPR NTB SUMBAWA with a significant level of 0.000<0.05. The coefficient of determination was found in the R square value of 0.792, the independent variable in explaining the dependent variable was 79.2%.
PENGARUH PAJAK DAN RETRIBUSI DAERAH TERHADAP PENDAPATAN ASLI DAERAH KABUPATEN SUMBAWA Azizati Ainul Haq; Aldi Bahtera; U Usman
Jurnal Ekonomi & Bisnis Vol. 10 No. 2 (2022): Jurnal Ekonomi & Bisnis
Publisher : Pusat Riset dan Publikasi

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Abstract

The aims of this study are: (1) to determine the effect of local taxes on Regional Income (PAD) in Sumbawa Regency; (2) to determine the effect of regional retribution on Regional Income (PAD) in Sumbawa Regency; and (3) to find out the effect of regional taxes and levies together on Regional Income (PAD) in Sumbawa Regency in 2017-2021. This research is an associative research. The analytical tool used in this study is multiple linear regression model analysis with the least squares estimation method (OLS). Based on the results of the analysis that has been carried out, it can be concluded that: (1) local taxes have a positive and significant effect on the one-sided test with a degree of confidence of 0.05% on Regional Income (PAD) in Sumbawa Regency during the period 2017-2021; (2) regional retribution has a positive and significant effect on the one-sided test with a degree of confidence of 0.05% on Regional Income (PAD) in Sumbawa Regency during the period 2017-2021; (3) regional taxes and levies together have a positive and significant effect on the one-sided test with a degree of confidence of 0.05% on Regional Income (PAD) in Sumbawa Regency during the period 2017-2021.
PENGARUH BANTUAN RASKIN TERHADAP PENGELUARAN KONSUMEN MASYARAKAT KURANG MAMPU DI DESA ODE LUNYUK KECAMATAN LUNYUK Ika Fitriyani; Muhammad Nur Fietroh; Delvi Ulandari; U Usman
Samalewa: Jurnal Riset & Kajian Manajemen Vol. 1 No. 1 (2021): Samalewa: Jurnal Riset & Kajian Manajemen
Publisher : Fakultas Ekonomi dan Manajemen

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Abstract

The purpose of this study was to know the effect of giving poor rice aid (RASKIN) toward the expenditures of poor communities consumers in Lunyuk Ode Village, Lunyuk Sub-district. Type of this study was associative, namely the study aims to analyze the influence or relationship between two or more variables. The variables in this study were the giving of poor rice aids (RASKIN) as an independent variable symbolized by X and the expenditure of poor consumers as the dependent variable symbolized by Y. The data used was quantitative data in the form of respondents' answers related to the object of study collected through questionnaires. The population in this study were all poor rice recipients (RASKIN) in Lunyuk Ode Village, Lunyuk Sub-district with number of population were 69 respondent and all of them were used as samples (census sampling). Data analysis was used simple linear regression analysis techniques, hypothesis testing and determination coefficient test (R2). The results of the data analysis showed that the giving of rice aid for the poor communities (RASKIN) did not have effect toward the expenditure of consumers of the poor communities in Lunyuk Ode Village, Lunyuk Sub-district. This was indicated by the t-value of the test results of 0.038 which was lower than the t-table value at the significance level of 5% was of 1.996 (0.038<1.996). The variable ability of giving poor rice aid (RASKIN) in influencing the variation of changes in the variable expenditure of consumers of the poor village in Lunyuk Ode Village, Lunyuk Sub-district was very low, namely 1.5% while its remaining of 98.5% was influenced by other variables not included in the study.
PENGARUH KUALITAS PELAYANAN TERHADAP LOYALITAS PELANGGAN (Studi Pada UD. Nealma Food Sumbawa Besar) Roos Nana Sucihati; U Usman; Fiana Arma Yunita
Samalewa: Jurnal Riset & Kajian Manajemen Vol. 2 No. 1 (2022): Samalewa: Jurnal Riset & Kajian Manajemen
Publisher : Fakultas Ekonomi dan Manajemen

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Abstract

This study aims to determine the effect of service quality consisting of tangibles, reliability, responsiveness, assurance and empathy on customer loyalty at UD. Nealma Food Sumbawa Besar. This type of research is associative research. Collecting data using a questionnaire method distributed to respondents. The respondents in this study amounted to 30 customers UD. Nealma Food Sumbawa Besar. Data analysis was carried out using the Partial Least Square program with the help of Smart PLS software. This research model is a reflective construct model at the second order level which consists of two stages of testing, namely testing the measurement model (outer model) and testing the structural model (inner model). The results showed that the quality of service to consumers, namely tangibles, reliability, responsiveness and assurance had no effect on customer loyalty, while empathy had a positive and significant effect on customer loyalty at UD. Nealma Food Sumbawa Besar. Changes in the customer loyalty variable can be explained well by the tangibles, reliability, responsiveness, assurance and empathy variables, which are 1,000 which means they are in the substantial/strong category.
PENGARUH KREDIT MODAL KERJA TERHADAP PROFIT NASABAH (Studi Pada Nasabah UMKM PD. BPR NTB Sumbawa) U Usman; Deka Ayulia Saputri
Jurnal Ekonomi & Bisnis Vol. 10 No. 3 (2022): Jurnal Ekonomi & Bisnis
Publisher : Pusat Riset dan Publikasi

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Abstract

This study aims to determine the effect of working capital credit (KMK) on increasing profits for micro, small and medium enterprise customers (UMKM) in PD. BPR NTB Sumbawa. This research is a causal associative research conducted to examine the effect of working capital loans (KMK) on increasing the profit of UMKM customers in PD. BPR NTB Sumbawa. The type of data used is quantitative data in the form of respondents' responses in answering questionnaire questions distributed to research respondents. The population in this study are all UMKM customers at PD. BPR NTB Sumbawa totaling 212 people. The sample was taken using the Slovin formula with a margin of error of 10% so that the sample in this study was 68 people. The data that has been collected will then be processed using the SPSS program to be studied using techniques that include simple linear regression analysis, individual parameter hypothesis testing (t test), and determinant coefficient test (R2). The conclusion obtained from the results of this study is that working capital credit has a positive and significant effect on the profit of micro, small and medium enterprise customers (UMKM) in PD. BPR NTB Sumbawa. The degree of influence of working capital credit on the profit of micro, small and medium enterprise customers (UMKM) in PD. NTB Sumbawa is 85.8%, while the remaining 14.2% is influenced by other variables outside this research model, such as business experience, workforce, level of education, business partnerships, technology, marketing outreach, and others.
ANALISIS KINERJA KEUANGAN UNTUK MENILAI KESEHATAN PERBANKAN (Studi Pada Bank Syariah Indonesia KCP Sumbawa Diponegoro) Novi Kadewi Sumbawati; Ulva Asri Oktavia; U Usman
Samalewa: Jurnal Riset & Kajian Manajemen Vol. 2 No. 2 (2022): Samalewa: Jurnal Riset & Kajian Manajemen
Publisher : Fakultas Ekonomi dan Manajemen

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Abstract

This research was conducted with the aim of measuring the financial performance of Bank Syariah Indonesia KCP Sumbawa Diponegoro in 2019-2021. This research is a descriptive research that aims to describe or describe existing phenomena related to the object of research. The type of data used is quantitative data in the form of annual reports of documents and archives contained in Bank Syariah Indonesia KCP Sumbawa Diponegoro. Data analysis was performed using financial ratio analysis techniques, including liquidity ratios, solvency ratios, and profitability ratios. The results of this study indicate that the liquidity ratio, the financial performance of Bank Syariah Indonesia KCP Sumbawa Diponegoro in 2019-2021 is in a very healthy category seen from the cash ratio aspect and in the unhealthy category seen from the loan to deposit ratio aspect. The solvency ratio, the financial performance of Bank Syariah Indonesia KCP Sumbawa Diponegoro in 2019-2021 is in a very healthy category seen from the aspect of capital adequacy ratio. And the profitability ratio, the financial performance of Bank Syariah Indonesia KCP Sumbawa Diponegoro in 2019-2021 is in the unhealthy category seen from the aspect of return on equity and in the very healthy category seen from the aspect of return on assets. Based on these results, the bank must be able to improve its marketing by maximizing various media, both offline and online to support promotional activities in order to attract the attention and interest of the public so that the bank can optimally collect funds from the public.
EVALUASI KINERJA KEUANGAN PADA KOPERASI PEGAWAI NEGERI (KPN) LAJU KECAMATAN MOYO HULU KABUPATEN SUMBAWA U Usman; Peri Apriliyansah
Jurnal Ekonomi & Bisnis Vol. 11 No. 1 (2023): Jurnal Ekonomi & Bisnis
Publisher : Pusat Riset dan Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58406/jeb.v11i1.1166

Abstract

This study aims to examine the financial performance of the Laju Civil Servant Cooperative (KPN), Moyo Hulu District, Sumbawa Regency in 2019-2021. The type of data used is quantitative data in the form of financial performance data obtained from documents or archives of KPN Laju financial reports for 2019-2021. the ratio analysis technique used is in accordance with the Minister of Cooperatives and SMEs of the Republic of Indonesia No. 06 of 2006 concerning guidelines for evaluating cooperatives, namely the liquidity ratio, sovability ratio and profitability/profitability ratio. The results showed that the financial performance of KPN Laju was very poor in terms of liquidity, this can be seen from the current ratio in the "very unhealthy" category and the cash ratio in the "healthy" category. This means that KPN Laju's ability to meet short-term obligations (debt) at maturity is still very low. The financial performance of KPN Laju is very good from the aspect of solvency, it can be seen from the DAR ratio and DER ratio which are in the healthy category. This means that KPN Laju has a very good ability to fulfill all of its obligations. The financial performance of KPN Laju is not good in terms of the profitability aspect, this can be seen based on the ROA ratio which is in the "unsound" category and the "unsound" criteria based on the ROE ratio. This means that KPN Laju has a low ability to generate profits over a certain period.
HUBUNGAN KAUSALITAS PENGGUNAAN E-MONEY DENGAN TINGKAT KONSUMSI MAHASISWA (Studi Pada Mahasiswa Universitas Samawa Sumbawa Besar) Zulkifli Abdullah; U Usman
Samalewa: Jurnal Riset & Kajian Manajemen Vol. 3 No. 1 (2023): Samalewa: Jurnal Riset & Kajian Manajemen
Publisher : Fakultas Ekonomi dan Manajemen

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Abstract

This study aims to determine the effect of the use of electronic money (e-money) on the level of consumption of students at Samawa University Sumbawa Besar. The type of this study was associative. The type of data used is quantitative obtained from primary sources through a questionnaire. The population in this study were 619 students of the Faculty of Economics and Management. The sample determination was carried out using a purposive sampling technique so that the number of populations that met the requirements to become the research sample was 93 people. Data analysis is carried out with simple linear regression analysis techniques, partial hypothesis testing (T-test), and determinant coefficient test (R2). The results showed that the use of electronic money (e-money) had a positive and significant effect on the level of consumption of students at Samawa University Sumbawa Besar. The effect of the use of electronic money (e-money) on the level of consumption of students at Samawa University Sumbawa Besar is 10.1%, while the remaining 89.9% is influenced by other factors that are not examined in this study, such as income, product prices, tastes and education.
ANALISIS PERUBAHAN TINGKAT KEBUTUHAN MODAL USAHA MIKRO KECIL MENENGAH (UMKM) SEBELUM DAN SELAMA PANDEMI COVID-19 Delvia Ramadhini; Novi Kadewi Sumbawati; U Usman
Jurnal Ekonomi & Bisnis Vol. 11 No. 2 (2023): Jurnal Ekonomi & Bisnis
Publisher : Pusat Riset dan Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58406/jeb.v11i2.1313

Abstract

This research aims to examine changes in the level of capital requirements for MSMEs in Labuhan Sumbawa Village before and during the Covid-19 period. The type of this study was comparative research. The type of data used in this study is quantitative data obtained directly through interviews. The informants in this study were 50 MSME actors in Labuhan Sumbawa Village. Data analysis techniques used include paired samples statistics test, paired samples correlations test, and paired samples t-test. Based on the data analysis carried out, it can be concluded that there are differences between the capital requirements of MSMEs in Labuhan Sumbawa Village before and during the Covid-19 pandemic. The Covid-19 pandemic has had a negative impact on the capital requirements of MSMEs in Labuhan Sumbawa Village. The average capital requirement for MSMEs in Labuhan Sumbawa Village has decreased during the Covid-19 pandemic compared to before the Covid-19 pandemic.
SAFARI DAKWAH DALAM RANGKA PENGUATAN KARAKTER ISLAMI PADA MASYARAKAT KOTA SUMBAWA S Suprianto; Ika Fitriyani; U Usman; Siti Fatima Hartina; H Hamdi
Jurnal Pengembangan Masyarakat Lokal Vol. 2 No. 1 (2019): Jurnal Pengembangan Masyarakat Lokal
Publisher : LPPM Universitas Samawa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58406/jpml.v2i1.798

Abstract

Perubahan aspek perilaku sosial adalah salah satu dampak yang dibentuk dari sistem yang ada saat ini. Banyak bermunculan perilaku yang tidak terpuji yang dilakukan, tindak kekerasan atau perkelahian, perbuatan asusila, dan tindak kriminal. Oleh karena itu, tim dosen kegiatan pengabdian kepada masyarakat Fakultas Ekonomi & Manajemen (FEM) terpanggil untuk menciptakan strategi dalam menyelamatkan masyarakat yang menjadi tanggungjawabnya dari perubahan yang negative tersebut. Salah satu langkah konkrit yang dilakukan adalah dengan menguatkan karakter Islam pada masyarakat Kabupaten Sumbawa melalui berbagai strategi dalam berdakwah. Pada Bulan Ramadhan tahun 2019, civitas akademika Fakultas Ekonomi dan Manajemen Universitas Samawa mengadakan kegiatan safari dakwah ke berbagai desa di wilayah Kabupaten Sumbawa, di antaranya di Desa Jorok Kecamatan Unter Iwes. Kegiatan safari dakwah ini diimplementasikan pada berbagai program, diantaranya berbagi takjil, buka bersama dan pengajian. Tujuannya adalah untuk menanamkan bekal ilmu dan pengetahuan kepada masyarakat tentang agama Islam serta dapat membantu membangun karakter Islami pada masyarakat sehingga melalui pelaksanaan kegiatan ini diharapkan masyarakat dapat memperbaiki diri dengan pengetahuan dan pemahaman yang baik dan benar sesuai dengan ajaran agama Islam. Antusiasme masyarakat yang ditunjukkan melalui partisipasi masyarakat di beberapa lokasi kegiatan sangat tinggi.
Co-Authors A Ambarwati A Asmini Abdul Rahim Aldi Bahtera Andi Irawan Andi Saputra Andri Gunanta Azizati Ainul Haq Binar Dwiyanto Pamungkas Budi Sastra Deka Ayulia Saputri Delvi Ulandari Delvia Ramadhini Diah Fidayanti Elly Karmeli Evha Lista Sulyana Fiana Arma Yunita Fietroh, Muhammad Nur H Hamdi I Ismawati I Nyoman Sutama Ika Fitriyani Inas Nabila K Kurniawansyah Muhammad Jamta Muhammad Yamin N Nunung N Nurmalasari Nia Kurniasih Nining Sudiyarti Novi Kadewi Sumbawati Nydia Pratiwi Puji Lestari Peri Apriliyansah Rana Ewin Aprilindia Rita Dwi Kantari Roos Nana Sucihati Rosyidah Rachman S Suprianto S Syafruddin Siti Fatima Hartina Sri Rohayu Subhan Purwadinata Ulva Asri Oktavia Vera Agustia Pratiwi Vivin Fitryani Wila Dianti Winda Pratiwi Yayat Fitriani Zulkifli Abdullah