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All Journal Jurnal STIE Semarang (Edisi Elektronik) International Journal of Economics, Business and Accounting Research (IJEBAR) JURNAL CAPITAL : Kebijakan Ekonomi, Manajemen dan Akuntansi
Tossy Aryanto
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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ANALISIS FAKTOR KEBIJAKAN HUTANG PERUSAHAAN MANUFAKTUR Tossy Aryanto; Wachidah Fauziyanti; Siti Rochmah
JURNAL STIE SEMARANG Vol 13 No 1 (2021)
Publisher : Sekolah Tinggi Ilmu Ekonomi Semarang

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Abstract

The use of debt by the company must also be controlled, so that it does not exceed the company's own capital, so that internal control is needed, such as management and intensive supervision from the majority shareholder, namely institutional parties. The population in this study is a case study of manufacturing companies listed on the Indonesia Stock Exchange for the 2015-2018 period. This study uses secondary data. Collection in the form of annual financial reports of manufacturing companies listed on the Indonesia Stock Exchange via the IDX web. The method of analysis was carried out using descriptive statistical tests, classical assumption tests and multiple regression analysis. The results of the analysis that has been carried out on companies in the manufacturing sector, regarding the influence of company size, profitability, sales growth on debt policy, it can be concluded that company size has a significant effect on debt policy. Profitability has a significant effect on debt policy and sales growth has no significant effect on debt policy. Advice to potential investors and investors, to pay more attention to these variables in the company before making investment decisions. Management needs to further improve the effectiveness and efficiency of the company such as minimizing costs properly which can increase company profits and ultimately increase company value.
FACTORS AFFECTING NON-PERFORMING LOANS PT. BPR ARTO MORO SEMARANG Darmawan Darmawan; Arini Novandalina; Tossy Aryanto
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 7, No 3 (2023): IJEBAR, VOL. 07 ISSUE 03, SEPTEMBER 2023
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v7i3.10476

Abstract

Credit is a high-risk business activity in which uncollectible credit occurs for various reasons. Many debtors who pay credit must pay attention to the provisions of interest rates, time periods, and several provisions that make debtors object to paying their credit. The purpose of this study is to determine three factors from debtors that cause problem loans to become bad loans. Three debtor factors that cause bad credit are debtor character, business conditions (most BKK debtors are MSME entrepreneurs from small to large scale), and managerial ability (in managing their own business). This type of research is explanatory research with a total sample of 51 respondents to customers of PT. BPR Arto Moro Semarang, located in Semarang, has experienced bad credit from 2018-2022. The results showed that only Business Conditions were accepted, and had a positive effect of 10.354 and a sig value > 0.05. Meanwhile, Managerial Character and Ability have no influence and significance on Bad Debt. It is recommended for the bank to do more internal analysis of prospective borrowers in providing credit financing. Researching the current and future conditions of the debtor's business, as well as paying attention to the debtor's managerial ability in running the business or business.
KEPUASAN MASYARAKAT DI MPP DEMAK DIPENGARUHI KUALITAS PELAYANAN, FASILITAS, DAN AKSESIBILITAS Rihan Hafizni; Tossy Aryanto; Desyani Purwaningrum
JURNAL CAPITAL : Kebijakan Ekonomi, Manajemen dan Akuntansi Vol 8 No 1 (2026): jurnal capital
Publisher : Sekolah Tinggi Ilmu Ekonomi Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33747/capital.v8i1.368

Abstract

The Public Service Mall (MPP) launched by the Investment and One-Stop Integrated Services Agency (DPMPTSP) of Demak Regency is an innovation aimed at simplifying public licensing and non-licensing services in the region. The purpose of this research is to analyze the influence of service quality, facilities, and accessibility on public satisfaction at the Public Service Mall (MPP) of Demak Regency. The population in this study consists of service users at the Public Service Mall (MPP) of Demak Regency during the period from January to July 2024, totaling 23,978 individuals. The sample for this study was selected using the purposive sampling method, resulting in a total of 100 respondents. The data analyzed are primary data collected through questionnaires. The data processing results include descriptive analysis, F-test results, coefficient of determination (R²) test results, and hypothesis testing results. The findings of this research indicate that: Service quality has a positive and significant effect, with a significance value of 0.028 (< 0.1). Facilities have no effect on public satisfaction, with a significance value of 0.557 (> 0.1). Accessibility has a positive and significant effect on public satisfaction, with a significance value of 0.000 (< 0.1). Recommendations include improving service quality to be more professional in enhancing public satisfaction at the Public Service Mall (MPP) of Demak Regency. Additionally, maintaining and completing deficient facilities is essential to simplify public services and increase satisfaction.
Co-Authors Arini Novandalina Chatarina Umbul Wahyuni Desyani Purwaningrum Fauziyanti, Wachidah Rihan Hafizni SITI ROCHMAH