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All Journal Majalah Ilmiah Warta Dharmawangsa Jurnal Ilmiah Manajemen Kesatuan Accounting and Business Journal
Erna S. Sebayang
Politeknik Mandiri Bina Prestasi Medan
Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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PENGARUH PARTISIPASI PENYUSUNAN ANGGARAN, KOMITMEN ORGANISASI DAN MOTIVASI KERJA TERHADAP KINERJA MANAJERIAL PADA BPR DI PT. BPR DUTA PARAMARTHA Hamonangan J. Gultom; Erna S. Sebayang; Timothy Isaac Surbakti
Jurnal Warta Dharmawangsa Vol 17, No 1 (2023)
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/wdw.v17i1.2935

Abstract

PENGARUH PARTISIPASI PENYUSUNAN ANGGARAN, KOMITMEN ORGANISASI DAN MOTIVASI KERJA TERHADAP KINERJA MANAJERIAL PADA BPR DI PT. BPR DUTA PARAMARTHA Hamonangan J. Gultom; Erna S. Sebayang; Timothy Isaac Surbakti
Jurnal Warta Dharmawangsa Vol 17, No 1 (2023)
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/wdw.v17i1.2935

Abstract

The Effect of Collateral, Debtor Character, Business Conditions and Managerial Ability on Non-Performing Loans At PT BPR Duta Paramarta Gultom, Hamonangan J.; Sebayang, Erna S.; Manurung, Melda Br
Accounting and Business Journal Vol 6 No 1 (2024): ACCOUNTING AND BUSINESS JOURNAL
Publisher : Lembaga Jurnal & Seminar Universitas Pembangunan Panca Budi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54248/abj.v6i1.4806

Abstract

This study aims to examine the influence of collateral, debtor character, business conditions, and managerial ability on non-performing loans at PT. BPR Duta Paramarta. The research methodology employed is quantitative research with a descriptive approach. Data collection techniques utilized in this study involve survey methods with questionnaire instruments. The population in this research comprises all debtors of PT. BPR Duta Paramarta, with a sample size of 30 debtors. Data analysis consists of data quality tests, classic assumption tests, and hypothesis testing (T-test and F-test). The results of this study indicate that: 1) Collateral has a significant negative effect on non-performing loans, 2) Debtor character has a negative but insignificant effect on bad credit, 3) Business conditions have a significant negative effect on managerial performance, and 4) Managerial ability has a significant negative effect on non-performing loans.
Digital Economy and Financial Empowerment: The Mediating Role of Infrastructure, Innovation, and Competitive Advantage Erna Susilawaty Sebayang
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 6 (2025): JIMKES Edisi November 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i6.4174

Abstract

MSMEs are a vital pillar of Indonesia’s economy, especially as digital transformation becomes increasingly important for strengthening competitiveness. This study examines the influence of financial empowerment and the digital economy on the performance of micro, small, and medium enterprises in Indonesia, with digital infrastructure, digital financial technology innovation, and competitive advantage as mediating variables. The research addresses how access to finance and digital transformation shape business sustainability in an increasingly competitive environment. Using a quantitative approach with Structural Equation Modeling (SEM-PLS), data were collected from 100 MSMEs through questionnaires, documentation, and observation. The analysis demonstrates that financial empowerment and the digital economy directly affect MSME performance and indirectly through the mediating roles of infrastructure, innovation, and competitiveness. Digital payments, cloud-based financial systems, and fintech lending improve efficiency, transparency, and market expansion, while competitive advantage strengthens MSMEs’ ability to adapt and differentiate in the digital era. The findings highlight that MSMEs leveraging financial access and digital technologies are better positioned to achieve sustainable growth and competitiveness, contributing significantly to Indonesia’s economic development.
Co-Authors Hamonangan J. Gultom Manurung, Melda Br Timothy Isaac Surbakti