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All Journal Journal of Empowerment Community JRAK (Jurnal Riset Akuntansi dan Bisnis) (e-Journal) EKOBIMA Ekonomi Bisnis dan Manajemen Multidisciplinary Indonesian Center Journal Jurnal Pengabdian Indonesia
Andi Usmar
Politeknik LP3I Kampus Tasikmalaya
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Social Sciences Other

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Journal : Multidisciplinary Indonesian Center Journal

 1 
REVIEW OF THE CREDIT GUNA BHAKTI (KGB) GRANTING PROCEDURE AT BANK BJB KCP MITRA BATIK TASIKMALAYA Nurjanah, Mia; Andi Usmar
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 2 (2025): Vol. 2 No. 2 Edisi April 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i2.703

Abstract

This study aims to examine the procedures involved in the provision of Kredit Guna Bhakti (KGB) at Bank Bjb KCP Mitra Batik Tasikmalaya, identify the challenges encountered during the process, and evaluate the solutions implemented to address these obstacles. This study uses a qualitative descriptive approach, with data collection methods through interviews with bank staff, direct observation of the credit process, and literature review. Findings reveal that the KGB procedure consists of several key stages: application submission, credit analysis, credit decision, credit agreement, and fund disbursement. However, its implementation faces both internal and external challenges, such as limited credit staff resulting in slower service, and a lack of understanding among prospective borrowers regarding the credit procedure. To address these issues, the bank has prepared appropriate solutions. Overall, the KGB procedure at Bank Bjb KCP Mitra Batik has been carried out effectively and efficiently.
REVIEW OF THE HOME OWNERSHIP LOAN (KPR) PROCEDURE AT BANK BTN KC TASIKMALAYA Iman Nugraha, Cecep; Andi Usmar
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 2 (2025): Vol. 2 No. 2 Edisi April 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i2.704

Abstract

This study aims to review the mortgage lending process in a bank, focusing on procedures, requirements, and challenges faced by both the bank and customers. The research background is based on the author's internship experience at the bank, providing an opportunity to gain in-depth insights into the mortgage approval mechanism from a practical perspective. This study employs a qualitative method, utilizing interviews with bank employees involved in the mortgage application process and literature studies related to banking policies. The findings reveal that mortgage approval involves a comprehensive evaluation of the borrower's financial capability, including credit analysis and compliance with banking regulations. Additionally, several challenges were identified, such as the lengthy administrative process and credit risk factors that the bank must consider. The conclusion of this study emphasizes that mortgage lending requires a balance between the bank's interests and customer needs, necessitating innovations in procedures and service optimization to improve process efficiency.
EVALUATION OF THE CREDIT APPLICATION PROCESS AT PT. BPR SINAR MAS PELITA CIAWI BRANCH Usmar, Andi; Syifa Salsabila
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 3 (2025): Vol. 2 No. 3 Edisi Juli 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i3.1066

Abstract

This study aims to examine the credit application procedure at BPR Sinar Mas Pelita Ciawi Branch, identify the challenges encountered during the process, and evaluate the solutions implemented to overcome them. The research uses a descriptive qualitative method with data collected through interviews with bank employees, direct observation during an internship program, and literature review. The findings show that the credit application procedure consists of several stages: application submission, document verification, credit analysis, credit approval, agreement signing, and fund disbursement. Common obstacles include customers’ lack of understanding of the procedure and delays in document submission. BPR Sinar Mas Pelita Ciawi Branch has implemented various strategies such as public education through social media and providing a checklist of required documents to applicants. Overall, the credit application process has been carried out effectively and efficiently.
PENDAMPINGAN BRANDING LOGO SEBAGAI PENINGKATAN DAYA SAING USAHA UMKM, DESA JAYAGIRI, PANUMBANGAN, CIAMIS JAWA BARAT Usmar, Andi
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 1 No. 4 (2024): Vol. 1 No. 4 Edisi Oktober 2024
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v1i4.290

Abstract

Usaha mikro, kecil, atau menengah (UMKM) adalah usaha yang dilakukan oleh individu atau kelompok dengan tujuan untuk meningkatkan kesejahteraan pribadi anggota kelompoknya. Tim KKN-TM menemukan bahwa salah satu masalahnya adalah produk yang dipasarkan tidak memiliki branding yang cukup. Salah satu masalahnya adalah membuat logo UMKM Pada UMKM Kia Snack Dusun Cimuncang dan Sistik jagir Dusun Singkup , Desa jayagiri, Panumbangan Ciamis Jawa barat, dengan yang baru. Dengan kata lain, tidak ada semangat kewirausahaan dan pengetahuan merek. Bisnis kecil dan menengah (UMKM) masih kekurangan strategi branding yang lebih baik dan relevan. Salah satu tujuan dari promosi merek adalah untuk menjual produk kepada masyarakat umum, atau untuk meningkatkan kepercayaan konsumen terhadap produk tersebut dan menciptakan persepsi bahwa produk tersebut telah terjual. Merek dapat menanamkan kesan baik pada pelanggan, yang harus dipahami oleh UMKM. Dalam kegiatan ini, metode pendampingan digunakan. Observasi, bimbingan, dan pembuatan logo adalah langkah-langkah yang dilakukan. Dengan mempertimbangkan masalah yang telah disebutkan di atas, kegiatan pengabdian kepada masyarakat sangat penting dilakukan. kepada pelaku UMKM Kia Snack Dusun Cimuncang dan Sistik jagir Dusun Singkup , Desa jayagiri , Panumbangan Ciamis Jawa barat dalam melakukan branding logo
THE ROLE OF WIGO SAVINGS AS AN INNOVATIVE PRODUCT IN IMPROVING THE COMPETITIVENESS OF PT. BANK WOORI SAUDARA INDONESIA 1906 TBK Dea Amelia, Dea; Usmar, Andi
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 2 (2026): Vol. 3 No. 2 Edisi April 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i2.2334

Abstract

This study is motivated by the intensifying competition in Indonesia's banking industry amid digital transformation and growing global economic mobility. In such a context, product innovation becomes a crucial strategy to strengthen a bank's competitive position. PT Bank Woori Saudara Indonesia 1906 Tbk introduced the WiGo Savings product, specifically designed for South Korean citizens who plan to live or work in Indonesia through a pre-account opening scheme. This research aims to analyze the role of WiGo Savings in enhancing the bank's competitiveness, particularly in terms of product differentiation and the potential strengthening of low-cost funds (CASA). The study employs a qualitative descriptive approach with a case study method, using literature review and secondary data analysis from bank reports, media publications, and academic references related to banking innovation. The findings indicate that the pre-arrival account opening mechanism reduces administrative barriers, accelerates service activation, and creates early customer engagement. The product also shows the potential to increase CASA composition, leading to lower cost of funds and greater flexibility in credit pricing. Furthermore, WiGo enhances product differentiation and institutional branding as a bank responsive to cross-border transaction needs. However, its effectiveness depends on successful market education, cross-jurisdiction regulatory compliance, and technological system integration.
PROFITABILITY RATIO ANALYSIS AS A MEASURE OF FINANCIAL PERFORMANCE OF PT MALINDO FEEDMILL TBK FOR THE 2021-2024 PERIOD Dani, Rahmat; Usmar, Andi
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 2 (2026): Vol. 3 No. 2 Edisi April 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i2.2353

Abstract

This study was conducted to analyse profitability ratios as a measure of financial performance at PT Malindo Feedmill Tbk (MAIN) for the period 2021-2024. The animal feed industry faces challenges of high production costs, ranging from 85-90%, as well as dependence on unstable imported raw materials. The research method used is quantitative descriptive with purposive sampling techniques on the company's consolidated financial statements. The indicators used to analyse the data include Gross Profit Margin (GPM), Net Profit Margin (NPM), Return on Assets (ROA), and Return on Equity (ROE). In 2022, net profit fell sharply by 57% to RP 27 billion due to production cost pressures. However, in 2024, the company managed to recover with a net profit of RP 489.8 billion. This unique finding shows an increase in Return on Assets (ROA) of 9.10% in 2024 despite a decline in assets. This shows that management has succeeded in eliminating unproductive assets and optimising production efficiency. The effectiveness of cost transformation and the company's operational resilience to market fluctuations are reflected in a Return on Equity (ROE) of 18.61% at the end of the period.
Co-Authors Ayu Lestari, Vina Dani, Rahmat Dea Amelia, Dea Desty Puspatriani, Annisa Fajar Dimas Saputra Fatma azka Azkia Ma’ruf Fazriyah, Fitri Nur Iman Nugraha, Cecep Monika Sutarsa Nunung Nurhayati Nurjanah, Mia Nurul Wildani, Ismy Rama Nugraha Irawan Surayudha Resa Sania Kamila SYIFA SALSABILA Wahyudi, Ade