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Disiplin Pengelolaan Keuangan (Survei Umkm Di Provinsi Gorontalo) Muhammad Anas; Ariawan Ariawan
Jurnal Manajemen dan Inovasi (MANOVA) Vol. 2 No. 2 (2019): Juli
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/manova.v2i2.187

Abstract

Financial management discipline is a central issue in the field of microfinance studies. The purpose of this study is to investigate and analyze the influence of the role of government, employers competencies, financial administration practice,and financial commitment on financial disciplineof SMEs in the province of Gorontalo either partially or simultaneously. This study was conducted using the survey design to obtain information on issues related to the study variables. Respondents were used as a sample is 200 people with the criteria are the bussinesalready exist at least two years, at aleast has one employee andhas permanent location. The analytical tool used is multiple regression analysis. The results showed that the role of government, employers competencies and financial commitments have a significant impact on the financial discipline of SMEs in the province of Gorontalo. Meanwhile, the practice of financial administration has no significant effect on the financial discipline of SMEs in the province of Gorontalo. This study also shows that SMEs still have a low awareness about how to learn good financial discipline. On the other hand, SMEs have a high financial commitment to expand its business. The role of government is needed to improve the financial discipline SMEs in managing their business.
Pengaruh Prosedur Pemberian Kredit Terhadap Peningkatan Jumlah Nasabah Muhammad Anas
Al-Buhuts Vol. 13 No. 2 (2017): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (588.884 KB) | DOI: 10.30603/ab.v13i2.895

Abstract

Basically, credit is something mostly needed by the society that can supporting and running well the commerce activities, whether in goods productions, service and also improving or fulfilling the need of society consumption. The aim of this research is to analysis the provide credit facility, such as character, capacity, Capital, and the condition of economy towards some of bank customers of BRI Branch at Marisa in Pohuwato restrict. In this research it is used questionnaire that distributing towards 40 respondents in order to get information about the problems which being related to the variables observed. The analysis instrument used is multiple regressions. The result of this research showed that the research variable whether in a partial or simultaneous regression proved having positive influence and significantly towards improvement of BRI bank customers in Marisa at Pohuwato District.
Analisis Disiplin Pengelolaan Keuangan Usaha Mikro dan Kecil Kabupaten Pohuwato Provinsi Gorontalo Muhammad Anas; Sulaiman Sulaiman
FRONTIERS: JURNAL SAINS DAN TEKNOLOGI Vol 1, No 2 (2018): Agustus 2018
Publisher : Universitas Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1025.514 KB)

Abstract

The aim of this research is to analysis the financial management discipline of micro and small enterprises at Pohuwato region. Gorontalo Province. The length aim of this research is the best practice for the micro and small enterprises. The method of this research is used quantitative research. while collecting data is used observation and questionnaire by applying multiple regression. The result of this research shows that the competencies of the enterprises and commitment of financial management for the enterprises having a positive influence towards the discipline of financial management for micro and small enterprises at Pohuwato Region, Gorontalo Province. this case is shown by statistical analysis, where the enterprises’ competencies in partial shows that the t calculation is bigger than t table or 6.549 > 1.968; While, the financial commitment also having a positive and significant influence; this case canbe shown by t calculation is bigger than T table, or 4.035 > 1.968. Simultaneously, both independent variables (enterprises’ competencies and financial management commitment also having positive and significance influences towards financial management of micro and small enterprises towards financial management of micro and small enterprises. this case can be shown by F calculation is bigger than F table. This case can be interpreted that micro andsmall enterprise is having a good of awareness, for learning a discipline of a good financial management; the other side that micro and small enterprises having a high financial commitment for developing their enterprises in the future.Keywords: Discipline of Financial Management, entrepreneur competence and financial commitment of Micro and Small Busine
Pengaruh Perputaran Modal Kerja Terhadap Profitabilitas Perusahaan Tambang di Indonesia Ariawan Ariawan; Muhammad Anas; Idris Yunus
SEIKO : Journal of Management & Business Vol 5, No 2 (2022): July - December
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v5i2.3233

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh perputaran modal kerja terhadap profitabilitas pada perusahaan tambang batubara yang terdaftar di bursa efek indonesia (BEI). Populasi dalam penelitian ini adalah perusahaan industri tambang batubara yang terdaftar di Bursa Efek Indonesia (BEI) periode 2017-2019, yaitu sebanyak 21 perusahaan. Metodel pengambilan sampel yang digunakan adalah purposive sampling. Data dalam penelitian ini menggunakan data sekunder yang diperoleh dari website IDX yang berasal dari laporan keuangan tahunan yang menjadi sampel dengan periode 2017-2019. Adapun teknik pengumpulan data yang digunakan dalam penelitian ini adalah metode dokumentasi. Data dalam penelitian ini akan diuji dengan beberapa tahapan pengujian, diantaranya yaitu uji statistik deskriptif, uji asumsi klasik yang terdiri dari (uji normalitas, uji multikolinearitas, uji heteroskedastisitas), dan pengujian seluruh hipotesis melalui uji koefisien determinasi, uji parsial (uji t) dan uji simultan (uji f). Hasil penelitian menunjukkan bahwa variabel perputaran kas berpengaruh negatif dan signifikan terhadap profitabilitas pada perusahaan Tambang Batubara yang terdaftar di Bursa Efek Indonesia. Sementara perputaran piutang dan perputaran persediaan berpengaruh positif dan signifikan terhadap profitabilitas pada Perusahaan Tambang Batubara yang terdaftar di Bursa Efek Indonesia. Kata Kunci: perputaran kas; persediaan; piutang; profitabilitas; ROA.
Kebijakan Strategis Dalam Mengoptimalisasi Pendapatan Pajak Hotel dan Restoran Hasanuddin Hasanuddin; Muhammad Anas; Mulyana Machmud
Al-Buhuts Vol. 18 No. 2 (2022): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v18i2.2589

Abstract

The purpose of this study is to formulate a strategic policy for hotel and restaurant tax revenues in Soppeng Regency, using an Internal Factor Evaluation (IFE) matrix and an External Factor Evaluation (EFE) matrix with a SWOT analysis approach. This type of research is a survey method and a descriptive approach with sampling based on proportional random sampling technique with a total sample of 16 hotels and 100 restaurants. Collecting data through field research, direct observation at the research site with the aim of obtaining primary data in the form of questionnaire data and important information as additional data accuracy. The results of the study indicate that the promotion and optimization of the management of tourist objects in encouraging an increase in domestic and foreign tourist visits, improvement of urban structure and road infrastructure development, application of information technology-based tax payment systems integrated with banking, increased participation of taxpayers in socialization of utilization taxes and the importance of paying taxes, improvement of the taxpayer database based on the classification of business fields
PENGARUH KOMPETENSI SUMBER DAYA MANUSIA DAN KOMITMEN ORGANISASI TERHADAP EFEKTIVITAS PENGELOLAAN DANA DESA MANAWA KECAMATAN PATILANGGIO KABUPATEN POHUWATO Muhammad Anas
JISMA: Jurnal Ilmu Sosial, Manajemen, dan Akuntansi Vol 1 No 2 (2022): Jun 2022
Publisher : Melati Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59004/jisma.v1i2.22

Abstract

Kompetensi Sumber Daya Manusia dan komitmen organisasi sangat dibutuhkan dalam pengelolaan dana desa agar terkelola dengan baik dan efektif sebagaimana harapan semua pihak. Tujuan dilakukannya penelitian ini adalah untuk mengetahui kompetensi sumber daya manusia dan komitmen organisasi terhadap pengelolaan dana desa Manawa Kecamatan Patilanggio Kabupaten Pohuwato dengan melibatkan 30 orang sebagai responden yang terdiri dari kepala desa dan aparatnya serta masyarakat desa yang memahami tentang efektivitas pengelolaan dana desa. Penelitian ini menggunakan metode analisis regresi linear berganda. Dimana hasil penelitian menunjukkan bahwa kompetensi sumber daya manusia (X1) dan komitmen organisasi (X2) secara simultan berpengaruh positif dan signifikan terhadap efektivitas pengelolaan dana desa Manawa Kecamatan Patilanggio Kabupaten Pohuwato (Y), diterima dengan nilai Fhitung sebesar 10,906 > Ftabel sebesar 0,338 dan nilai signifikansi sebesar 0,016 < 0,05. Kompetensi sumber daya manusia (X1) secara parsial berpengaruh positif dan signifikan terhadap efektivitas pengelolaan dana desa Manawa Kecamatan Patilanggio Kabupaten Pohuwato (Y), diterima dengan nilai thitung sebesar 2,257 > ttabel sebesar 2,052 dan nilai signifikansi sebesar 0,021 < 0,05. Komitmen organisasi (X2) secara parsial berpengaruh positif dan signifikan terhadap efektivitas pengelolaan dana desa Manawa Kecamatan Patilanggio Kabupaten Pohuwato (Y), diterima dengan nilai thitung sebesar 2,115 > ttabel sebesar 2,052 dan nilai signifikansi sebesar 0,029 < 0,05.
Exploring Factors of Working Capital Credit Distribution: Interest Rates, Deposits and Customer Perception Ariawan; Muhammad Anas; La Diu Samiu; Linda Ayu Oktoriza; Muhammad Al Faridho Awwal
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 3 (September 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v5i3.623

Abstract

This study examines the impact of interest rates, customer deposits, and customer perception of the Five C's of Credit on the disbursement of working capital loans in Bank Perkreditan Rakyat (BPRs). A quantitative approach was utilized, and data were collected from 108 BPR customers in Gorontalo through an online questionnaire using Google Forms. The collected data were analyzed using the SPSS technique. The findings indicate that all three variables have a significant influence on the disbursement of working capital loans in BPRs. Interest rates, customer deposits, and customer perception of the Five C's of Credit play crucial roles in the credit evaluation process and loan allocation decisions in BPRs. The results of the analysis demonstrate that these variables collectively account for 58.7% of the variation in the disbursement of working capital loans. This highlights the significance of considering these factors when determining credit allocation in BPRs. However, it is important to acknowledge the limitations of this study. Other variables not included in this research could also impact credit disbursement in BPRs. Future studies could explore additional factors and expand the sample size to enhance the generalizability of the findings. The findings offer valuable insights for BPRs in formulating effective lending policies and practices to address the financing needs of businesses. By doing so, BPRs can contribute to the economic growth and development of the region.
PENGARUH PENGENDALIAN INTERN PIUTANG TERHADAP EFEKTIVITAS PENCAPAIAN KINERJA PERUSAHAAN PADA PT BANK MANDIRI CABANG MARISA KABUPATEN POHUWATO Muhammad Anas
JEMBA: JURNAL EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 4: Juli 2023
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Pengendalian intern merupakan proses yang dibuat oleh sebuah perusahaan untuk mencapai tujannya. Penelitian ini menggunakan sistem populasi atau sampel jenuh. Alat analisis yang digunakan dalam penelitian ini yaitu analisis regresi linear sederhana dimana hasil penelitian menunjukkan pengendalian intern piutang berpengaruh positif dan signifikan terhadap pencapaian kinerja perusahaan diterima dengan nilai thitung > ttabel (3,1619 > 2,120) dan nilai Nilai koefisien regresi pencapaian kinerja perusahaan sebesar 5,371. Hal ini berarti bahwa perubahan variabel pengendalian intern piutang akan diikuti oleh pencapaian kinerja perusahaan sebesar 0,914. Persamaan regresi di atas juga menunjukkan nilai konstanta sebesar 5,371 yang berarti bahwa nilai pencapaian kinerja perusahaan sebesar 5,371 jika variabel pengendalian intern piutang bernilai 0, serta Nilai koefisien determinasi (R2) menunjukkan angka 0,450 atau 45%, memiliki makna bahwa 45% variasi naik turunnya variabel pencapaian kinerja perusahaan PT Bank Mandiri Cabang Marisa Kabupaten Pohuwato (Y) mampu dijelaskan oleh variabel pengendalian intern piutang