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All Journal Jurnal Ekonomi Bisnis dan Akuntansi CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Journal of Management and Social Sciences Jurnal Publikasi Ilmu Manajemen Jurnal Mahasiswa: Jurnal Ilmiah Penalaran dan Penelitian Mahasiswa
Sahat Simatupang
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Social Sciences Transportation

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Pengaruh Tingkat Suku Bunga Kredit Terhadap PertumbuhanNasabah pada Credit Union (CU) Tani Sehat Sipeapea Kabupaten Tapanuli Tengah Reni Inriani Limbong; Sahat Simatupang; Sriayu Aritha Panggabean
CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 2 No. 4 (2022): CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/cemerlang.v2i4.522

Abstract

Penelitian ini bertujuan untuk menguji Pengaruh Tingkat Suku Bunga Kredit Terhadap Pertumbuhan Nasabah Pada Credit Union (CU) Tani Sehat Sipeapea Kabupaten Tapanuli Tengah. Penulis menggunakan metode penelitian deskriptif kuantitatif untuk membahas permasalahan yang dihadapi oleh keuangan perusahaan . Analisis data dijelaskan dengan mengunakan hasil beberapa analisis sub-data yang linear mengenai tingkat suku bunga kredit terhadap pertumbuhan nasabah. Hasil penelitian menunjukkan adanya hubungan yang negatif antara tingkat suku bunga kredit dan pertumbuhan nasabah pada Credit Union (CU) Tani Sehat Sipeapea Kabupaten Tapanuli Tengah sebesar -0,544 sehingga apabila diinterpretasikan dalam skala nilai dapat dikategorikan rendah. Persamaan regresi yang diperoleh Y= 86,088 – 4,476X yang menunjukkan pengaruh tingkat suku bunga kredit terhadap pertumbuhan nasabah pada Credit Union (CU) Tani Sehat Sipeapea Kabupaten Tapanuli. Uji t menunjukkan bahwa hipotesis yang diajukan ditolak (tidak Signifikan) kebenarannya, dimana t hitung -1,123 < 3,18245 yang berarti pertumbuhan nasabah belum tentu bertambah sebesar koefisien regresi / slop (-4,476) apabila variabel tingkat suku bunga kredit ditambah dengan satu satuan. Sementara koefisien determinasi diketahui bahwa tingkat suku bunga kredit hanya berperan sebesar 29,6% terhadap pertumbuhan nasabah pada Credit Union (CU) Tani Sehat Sipeapea Kabupaten Tapanuli Tengah dan sisanya sebesar 70,4% dipengaruhi faktor lain yang tidak dimasukkan dalam penelitian.
Dampak Penyelesaian Kredit Macet Terhadap Kinerja Keuangan Pada Credit Union (CU) Tani Sehat Sipeapea Hernita Paulina Marbun; Sahat Simatupang; Nelly Azwarni Sinaga
CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 2 No. 4 (2022): CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/cemerlang.v2i4.523

Abstract

Penelitian ini bertujuan untuk mengetahui penyebab kredit macet dan dampak penyelesaiannya.Penelitian ini menggunakan data primer dan data sekunder. Data primer diperoleh melalui wawancara kepada bagian lapangan dan manajer Credit Union (CU) Tani Sehat Sipeapea dan Nasabah yang pernah mengalami Kredit macet. Populasi yang diambil yaitu Kesuluruhan Nasabah yang mengalami kredit macet tahun 2012 dan sampel 3 nasabah yang mengalami kredit macet,pada dengan teknik pengambilan sampel menggunakan metode purposive sampling. Hasil penelitian ini menjelaskan bahwa sudah berbagai antisipasi dilakukan oleh pihak Credit Union (CU) Tani Sehat Sipeapea kredit macet selalu ada setiap tahun. Faktor penyebab terjadinya macet meliputi karakter nasabah, masalah ekonomi nasabah. Oleh sebab itu, kredit macet harus dicegah sejak dini agar tidak menimbulkan kerugian. Salah satu bentuk strategi yang dilakukan oleh pihak Credit Union (CU) Tani Sehat Sipeapea 1) jika penyebabnya karena karakter debitur hal yang dilakukan adalah Pengintensifan kunjungan ketempat tinggal dan usaha debitur, melakukan pendekatan persuasif, memberikan tenggang waktu kepada nasabah. 2) jika penyebabnya karena masalah ekonomi pihak Credit Union (CU) Tani Sehat Sipeapea akan melakukan rescheduling (penjadwalan kembali) dengan dasar kesepakatan bersama, dan yang terakhir melakukan eksekusi jaminan. Kinerja Credit Union (CU) Tani Sehat Sipeapea sebelum dan sesudah diterapkannya strategi dilihat dari rasio likuiditas, aktivitas dan profitabilitas berdasarkan ketetapan indikator adalah kurang efisien dan efektif, sehingga dapat dikatakan dampak terhadap kinerja keuangan kurang baik.
ANALISIS PENGEMBALIAN PINJAMAN TERHADAP PENINGKATAN PENDAPATAN USAHA KOPERASI SIMPAN PINJAM (KSP) SATAHI SUGA-SUGA KABUPATEN TAPANULI TENGAH Renova Inriani Situmeang; Sahat Simatupang; Sriayu Aritha Panggabean
Jurnal Ekonomi Bisnis dan Akuntansi Vol. 2 No. 3 (2022): Desember : Jurnal Ekonomi Bisnis dan Akuntansi (JEBAKU)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jebaku.v2i3.609

Abstract

Yang menjadi permasalahan penelitian ini adalah persentasi peningkatan pendapatan dari pengembalian pinjaman. Penelitian ini bertujuan untuk mengetahui dan menganalisis tingkat pengembalian pinjaman terhadap pendapatan usaha pada Koperasi Simpan Pinjam (KSP) Satahi Suga-Suga. Dimana naik atau turun setiap tahunnya. Penelitian menggunakan data kuantitatif sedangkan teknik analisis data menggunakan perhitungan presentase pengembalian pinjaman terhadap pendapatan usaha. Hasil penelitian menunjukkan besaran tingkat pengembalian pinjaman pada tahun 2017, 2018, 2019, 2020 dan 2021 adalah 52%, 25%, 43%, 39% dan 38%. Pada Koperasi Simpan Pinjam (KSP) Satahi Suga-Suga pendapatan koperasi cukup berpengaruh walaupun tingkat pengembalian pinjaman naik turun.
PENGARUH BIAYA BAHAN BAKU TERHADAP VOLUME PRODUKSI PADA PT. SUBUR MEKAR ABADI PONDOK BATU KABUPATEN TAPANULI TENGAH Nur Asilah; Sahat Simatupang; Sriayu Aritha Panggabean
Jurnal Mahasiswa: Jurnal Ilmiah Penalaran dan Penelitian Mahasiswa Vol. 4 No. 2 (2022): Juni : Jurnal Mahasiswa
Publisher : Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jurnalmahasiswa.v4i2.497

Abstract

Companies engaged in manufacturing carry out routine production activities to produce goods. Production activities start from purchasing materials, paying labor wages to process these materials and incurring the necessary costs so that these materials can be converted into finished products that are ready to be sold for profit. Therefore, the standard cost is the planned cost for a product based on current business conditions. Costs of materials and labor are usually based on normal or current conditions taking into account possible changes in price levels and tariffs. So for the purpose of production cost efficiency in this study can be used standard costs. Raw material costs are the costs that you need to spend to get raw materials to produce goods, including operational costs, transportation costs, storage costs, and so on, and production volume is the number of commodities and services that are actually produced from the production process carried out. by the industrial companies themselves within a certain period of time. This type of research uses associative research, which aims to determine the effect of raw material costs on production volume at PT. Subur Mekar Abadi, the sample for this research is financial data for 2019-2021. The results of partial testing of the raw material cost variable (X) on the production volume variable (Y) show that the value of t count > t table is 3.181 > 2.353, which means Ha is accepted and Ho is rejected, it can be concluded that raw material costs affect production volume
Pengaruh Motivasi dan Kemampuan Kerja Terhadap Kinerja Pegawai pada Kantor Satuan Polisi Pamong Praja Kota Sibolga Aryo Fredrick Nico Gabriel Hutagalung; Sahat Simatupang; Yusi Tri Utari Panggabean
Jurnal Publikasi Ilmu Manajemen Vol. 2 No. 2 (2023): Juni: Jurnal Publikasi Ilmu Manajemen
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupiman.v2i2.1624

Abstract

Employees will show maximum performance if they have good motivation and ability to work. The formulation of the problem in this study is Do Motivation and Work Ability Have an Influence Simultaneously on Employee Performance at the Civil Service Police Unit in Sibolga City? The purpose of this study was to determine the effect of motivation and ability to work simultaneously on employee performance at the Civil Service Police Unit in Sibolga City. The hypothesis in this study is motivation and work ability to influence employees at the Civil Service Police Unit Office, Sibolga City. The type of research that the authors use is quantitative research using an associative approach. Total population of 301 people. The sample used was 25% of the population totaling 75 people. Source of data comes from primary and secondary data. Data were analyzed using descriptive analysis and quantitative analysis. Based on the research results, it is known that work motivation simultaneously has a positive effect on the performance of Civil Service Police Unit employees in Sibolga City, where Fcount (44.747) is greater than Ftable (3.13) or (44.747 > 3.13). Partially the motivation variable has the most influence on employee performance, where the t-count value is 4.056 > table value 1.993 (4.056> 1.993) or significant (Sig-t) of 0.000 <α (0.05). Partially the work ability variable has a positive and significant effect on employee performance, where the t-count value is 2.823 > table value 1.993 (2.823 > 1.993) or significant (Sig-t) of 0.006 <α (0.05). The R Square determination coefficient of 0.554 means that 55.4% of employee performance can be influenced by motivation and work ability. While the remaining 44.6% can be influenced by other factors not discussed in this study. The multiple linear regression model obtained by the regression equation is Y = 10.148 + 0.402 X1 + 0.308 X2 indicating a positive performance.
ANALISIS IMPLEMENTASI ANGGARAN KAS SEBAGAI ALAT KONTROL KEUANGAN PADA CV. GARUDA PERKASA HONDA MOTOR SIBOLGA Elisabet Vivi Sari Waruwu; Sahat Simatupang; Sriayu Aritha Panggabean
Journal of Management and Social Sciences Vol. 1 No. 4 (2022): November : Journal of Management and Social Sciences
Publisher : Sekolah Tinggi Ilmu Administrasi Yappi Makassar Jl. Sumba no 46, Kota Makassar, Sulawesi Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (103.051 KB) | DOI: 10.55606/jimas.v1i4.53

Abstract

Implementation of the Cash Budget is a tool that is used as a tool that controls finances by using quantitative research. This study aims to determine the application of the implementation of the cash budget to financial control such as calculating the amount of cash receipts and cash disbursements for five years, namely in the 2017-2021 period, calculating budget differences (Favourable and Unfavourable Variances) and finding causes that can be controlled (Controllable) and uncontrollable or one variance. The main factor that causes the difference or difference (variance) between the budget and the realization of the cash budget is the difference in the realization of last year or the previous year. This research was conducted to find deviations that might occur so that anticipatory and revision actions can be taken immediately by using secondary data and obtained from the financial reports of CV. Garuda Mighty Honda Motor Sibolga 2017-2021. The testing technique used in this study is financial ratio analysis. The results show that jointly calculating the amount of cash receipts and cash disbursements for five years, namely in the 2017-2021 period, calculates budget differences (Favourable and Unfavourable Variances) and finds controllable and uncontrollable causes ( Uncontrollable) or one variant of the calculation, it can be seen that the implementation of the cash budget has been going well which can be seen from efforts to control all activities carried out by the company so that what has been targeted can be achieved.
Co-Authors Aryo Fredrick Nico Gabriel Hutagalung Elisabet Vivi Sari Waruwu Hernita Paulina Marbun Nur Asilah Reni Inriani Limbong Renova Inriani Situmeang Sinaga, Nelly Azwarni Sriayu Aritha Panggabean Yusi Tri Utari Panggabean