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All Journal Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Innovative: Journal Of Social Science Research Madani: Multidisciplinary Scientific Journal Socius: Social Sciences Research Journal
Margono, Bagus
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USAHA PERBANKAN DALAM MENGATASI CREDIT CRUNCH PERBANKAN DI INDONESIA DENGAN MENGIKUTI KEBIJAKAN PEMERINTAH DAN KREDIT SELEKTIF MENGGUNAKAN PRINSIP 5 C Margono, Bagus
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 2 (2021): FairValue : Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (313.597 KB) | DOI: 10.32670/fairvalue.v4i2.668

Abstract

This study aims to determine the development of the use of bank funds for credit and non-credit from 2000 to 2021 with the occurrence of a credit crunch, to determine government policies in overcoming credit crunch in banks, and to analyze bank selective credit by applying the five C's of credit in the banking sector. in developing credit to the community. The data were analyzed using descriptive analysis based on these data.Based on the results of the analysis, banks initially invested in non-credit, namely in the form of purchasing securities and the like from 2000 to 2012 ranging from 0.13 or 13% to 0.19 or 19% except for 2005 35%. However, starting in 2013 there was an increase in investment in the non-credit sector, between 29% and 35%. This investment has a fixed advantage that comes from interest. This bank's concern has increased during the Covid 19 Pandemic since March 2020. %. In 2020 there was a decline in credit of 2% and in 2021 (until April) the increase in credit was relatively constant. Total loans in 2020 amounted to Rp 5,547,618 billion while in 2021 (until April) it decreased to Rp 5,543.3 billion or a decrease of 0.076 %. This is the impact of the bank's concern about bad loans, causing a credit crunch. Banks prefer funds in the non-credit sector Banks need to follow government advice to lower lending rates and use export and import financing institutions and PT. Indonesia Infrastructure Guarantee to be able to obtain guarantees for loans provided by the government. In addition, banks need to conduct a 5C analysis on company credit applications, especially in the food, service and telecommunications sectors.
Pengaruh Gaya Kepemimpinan dan Motivasi Kerja Terhadap Kinerja Karyawan Bagus Margono; Iyak Solihat; Kiryoto Sembiring
Innovative: Journal Of Social Science Research Vol. 4 No. 2 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i2.9745

Abstract

Penelitian ini menganalisis tentang pengaruh Gaya Kepemimpinan dan Motivasi Kerja terhadap kinerja karyawan PT Dana Mandiri Sejahtera . Penelitian ini menggunakan metodologi kuantitatif. Hasil yang diperoleh diharapkan dapat menjelaskan hubungan antar variabel independen terhadap variabel dependen. Berdasarkan penelitian yang telah dilakukan. Hasil penelitian dapat dijelaskan bahwa Gaya Kepemimpinan secara parsial berpengaruh signifikan 0.001 terhadap kinerja karyawan dengan nilai probabilitas 0,05 atau nilai 0,001 <0,05 dan thitung sebesar 3,569 > ttabel = 2,02619 dan Motivasi Kerja juga berpengaruh secara parsial dengan nilai probabilitas 0,006 < 0,05 sedangkan secara simultan Kepemimpinan dan motivasi kerja berpengaruh terhadap kinerja karyawan sebesar 0,565 = 56,5% dan sisanya 43,5% dipengaruhi oleh variabel lain dari tabel Anova diperoleh nilai Fhitung sebesar 26,886 > Ftable 3,25
The Role of Religious Groups and Small and Medium Enterprises in The Mining Sector After The Amendment of The Mineral And Coal Law in 2025 Margono, Bagus; Inayah, Nurul
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 3 (2025): April 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15180278

Abstract

Amendments to the Mineral and Coal Law (UU Minerba) 2025 provide priority access to religious organizations and small and medium enterprises (UKM) in the mining sector. This policy aims to increase community economic participation and encourage equal distribution of welfare. This research uses a qualitative method with a literature study approach to analyze the implications of this policy. The results of the study show that religious groups have the potential for community-based economic empowerment, workforce education, and the application of ethical principles in mine management. SMEs, on the other hand, can contribute to the diversification of the local economy, although they face challenges in terms of capital and technology. This amendment also has broad socio-economic impacts, including the potential to increase community welfare, the risk of conflicts of interest, and environmental challenges. Therefore, clear regulations and assistance programs are needed to ensure the implementation of this policy is effective and sustainable.
Penerapan Standar Akuntansi Keuangan Entitas Mikro,Kecil dan Menengah (SAK EMKM) dalam Penyusunan Laporan Keuangan pada UMKM di Kecamatan Indramayu Margono, Bagus
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 2 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17113423

Abstract

This study aims to analyze the level of understanding, financial reporting practices, and the extent to which the Micro, Small, and Medium Entity Financial Accounting Standards (SAK EMKM) are implemented by MSME actors in Indramayu District. This research employs a descriptive qualitative approach using a case study method on selected MSMEs through purposive sampling. Data were collected through in-depth interviews, direct observation, and documentation, and analyzed using the Miles and Huberman interactive model. The results indicate that MSME actors’ understanding of SAK EMKM remains very low; most respondents had never heard of or understood the standard. In practice, financial reporting is still informal and simplistic, mostly limited to manual records without standardized structure. None of the observed MSMEs prepared complete financial statements based on SAK EMKM requirements. The main obstacles in implementing SAK EMKM include low accounting literacy, lack of technical assistance, and the perception that accounting is irrelevant for small-scale businesses. These findings highlight the urgent need for continuous outreach, technical training, and collaboration among local governments, educational institutions, and professional associations to enhance accounting literacy and support SAK EMKM adoption among MSMEs. Proper implementation of the standard is expected to promote transparency, professionalism, and easier access to financing for MSME actors in the future.
Co-Authors Iyak Solihat Kiryoto Sembiring Nurul Inayah