Article Per Year (5 Year)
p-Index From 2020 - 2025
1.383
P-Index
This Author published in this journals
All Journal Jurnal Ekonomi dan Bisnis Samalewa: Jurnal Riset dan Kajian Manajemen
Usman, U
Unknown Affiliation
Economics, Econometrics & Finance Social Sciences

Published : 7 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 7 Documents
Search

 1 
STRATEGI PEMASARAN SEBAGAI UPAYA MENINGKATKAN PENDAPATAN PELAKU USAHA MIKRO KECIL DAN MENENGAH DI KABUPATEN SUMBAWA Oktarina, Inez; Usman, U
Samalewa: Jurnal Riset & Kajian Manajemen Vol. 3 No. 2 (2023): Samalewa: Jurnal Riset & Kajian Manajemen
Publisher : Fakultas Ekonomi dan Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58406/samalewa.v3i2.1335

Abstract

This study aims to determine the application of marketing strategies as an effort to increase the income of micro, small and medium enterprises (MSMEs) in Sumbawa District. The type of this study is descriptive research with a qualitative approach. The type of data used is qualitative in the form of informants' answers related to the object of research. The qualitative data used in this study were obtained directly from primary sources, namely MSMEs in Sumbawa District using a structured interview technique. The data that has been collected was analyzed using the SWOT analysis technique. The results of this study indicate that MSMEs in Sumbawa Regency have enormous potential to be developed. Through SWOT analysis, information is obtained regarding the strengths, weaknesses, opportunities and threats of MSMEs in Sumbawa District so that appropriate alternative marketing strategies can be formulated that can be carried out as an effort to increase the income of MSME in Sumbawa District. Some of the alternative marketing strategies include the SO strategy which is carried out by exploiting existing strengths and opportunities, the ST strategy which is carried out by utilizing strengths to overcome the threats faced, the WO strategy which is carried out by minimizing weaknesses to be able to take advantage of existing opportunities, and the WT strategy which is done by minimizing weaknesses and threats.
DAMPAK PENERAPAN TEKNOLOGI INFORMASI DALAM BIDANG E-COMMERCE TERHADAP PENDAPATAN UMKM DI KABUPATEN SUMBAWA Hapan, Fransiska Maya Kusuma Yanti; Usman, U
Samalewa: Jurnal Riset & Kajian Manajemen Vol. 4 No. 1 (2024): Samalewa: Jurnal Riset & Kajian Manajemen
Publisher : Fakultas Ekonomi dan Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58406/samalewa.v4i1.1593

Abstract

This study aims to determine the impact of the implementation of e-commerce information technology on MSMEs income in Sumbawa District. The type of this study was comparative study used to compare the income levels of MSMEs in Sumbawa District before and after the implementation of e-commerce information technology. The type of data used in this study was quantitative data obtained directly from respondents using a questionnaire. The type of data used in this study was quantitative data collected from existing sources in the form of annual reports, documents and archives contained in MSMEs in Sumbawa District. Data analysis in this study was carried out using the two-average difference test technique. These testing techniques include the data normality test with Kolmogorov Smirnov test, paired samples statistics test, paired samples correlations test, and paired samples t-test. The results of this study showed that the implementation of e-commerce information technology had a positive impact on the income level of MSMEs in Sumbawa District. The income earned by MSMEs in Sumbawa District had increased after the implementation of e-commerce information technology compared to the income before the implementation of e-commerce information technology. Thus, it can be stated that the implementation of e-commerce information technology is a very important aspect in supporting the increase in MSME income in Sumbawa District.
ANALISIS STRATEGI PENYELESAIAN WANPRESTASI DALAM PERJANJIAN KREDIT DENGAN JAMINAN PADA PT. PEGADAIAN KCP SUMBAWA BESAR Usman, U; Wardi, Suharli
Jurnal Ekonomi & Bisnis Vol. 12 No. 3 (2024): Jurnal Ekonomi & Bisnis
Publisher : Pusat Riset dan Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58406/jeb.v12i3.1859

Abstract

This study aims to analyze the default resolution strategy in a credit agreement with collateral at PT. Pegadaian KCP Sumbawa Besar. This type of research was descriptive that aims to describe the default resolution strategy in credit agreement with collateral at PT. Pegadaian KCP Sumbawa Besar. The type of data used was qualitative data in the form of research informants' perceptions regarding research objects collected directly by researchers from the original source, namely research informants using interview techniques. The informants in this study consist of key informants and main informants. Key informants consist of employees of PT. Pegadaian KCP Sumbawa Besar who are directly related to the provision of pawn credit, totaling 5 people, while the main informants consist of pawn credit customers at PT. Pegadaian KCP Sumbawa Besar, totaling 5 people. Data analysis was carried out using qualitative analysis techniques proposed by Miles and Huberman, including data reduction, data display, and drawing conclusions/verification. The results of this study indicate that the strategy carried out by PT. Pegadaian KCP Sumbawa Besar to resolve defaults in credit agreements with collateral are through notification to customers, issuing warning letters, and confiscating collateral for auction. Considering that credit distribution is a risky activity, credit provision should be carried out by applying the principle of caution. Credit officers must be more careful in selecting prospective customers to minimize the occurrence of default and pay more attention to the value of the goods used as collateral so as not to cause losses if default occurs.
PENGARUH PENERAPAN PRUDENTIAL BANKING PRINCIPLE DALAM MEMINIMALISIR RISIKO KREDIT BERMASALAH PADA PD. BPR NTB SUMBAWA Sapriadi, S; Usman, U
Samalewa: Jurnal Riset & Kajian Manajemen Vol. 4 No. 2 (2024): Samalewa: Jurnal Riset & Kajian Manajemen
Publisher : Fakultas Ekonomi dan Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58406/samalewa.v4i2.1820

Abstract

This study aims to examine the effect of the implementation of the prudential banking principle in minimizing the risk of non-performing loans at PD. BPR NTB Sumbawa. The type of this study was causal associative research. The type of data used was quantitative data obtained directly from research respondents. The population in this study was all employees at PD. BPR NTB Sumbawa, totaling 98 people. This study used a census sampling or saturated sampling technique, so that the respondents in this study numbered 98 people. The data used in this study were collected using a questionnaire to be analyzed using techniques including simple linear regression analysis techniques, partial hypothesis testing (t-test), and coefficient of determination testing (R2). The results of data analysis in this study, it is known that the t-value calculated of the hypothesis testing results was 8.151, which was greater than the t table value of 1.661 (8.151>1.661), while the significance value was 0.000, which was smaller than the real level value of 0.05 (0.000<0.05). Based on these results, it can be stated that the implementation of the prudential banking principle had a positive and significant effect on the risk of non-performing loans at PD. BPR NTB Sumbawa. The implementation of the prudential banking principle had a fairly large ability to minimize the risk of non-performing loans at PD. BPR NTB Sumbawa, which was 40.9%, while the remaining of 59.1% was effected by other variables outside this research model.
ANALISIS EFEKTIVITAS STRATEGI ADAPTASI MANAJEMEN PT. ASTRA MOTOR SUMBAWA BESAR DALAM MENINGKATKAN PENJUALAN DI ERA REVOLUSI INDUSTRI 4.0 Syafitri, Nurul Aini; Usman, U
Samalewa: Jurnal Riset & Kajian Manajemen Vol. 5 No. 1 (2025): Samalewa: Jurnal Riset & Kajian Manajemen
Publisher : Fakultas Ekonomi dan Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58406/samalewa.v5i1.2054

Abstract

This study aims to know the Human Resource Management Adaptation Strategy in the Industrial Revolution 4.0 Era at PT Astra Motor Sumbawa and the effectiveness of the strategy. The type of this study was qualitative descriptive study. The types of data used were qualitative and quantitative data, then source of data in this study were primary and secondary data. The numbers of informants in this study were 4 informants consisted of 1 key informant and 3 main informants. The tools used to collect data were interviews and documentation. The technique of analysis data were qualitative analysis and effectiveness analysis. The results of this study showed that the management of PT. Astra Motor Sumbawa Besar has implemented several adaptive strategies to maintain the company's existence and increase its sales volume in the era of the industrial revolution 4.0. However, the implementation of this strategy has not shown effective results as measured by sales volume. The sales ratio at PT. Astra Motor Sumbawa Besar in 2020-2024 was in the fairly effective category, indicating that the company's management has not been able to implement an adaptive marketing strategy in accordance with changing market conditions and consumer behavior. Therefore, optimal efforts are needed from company management to explore all the potential that is owned so that it is hoped that it can provide a positive and significant contribution to increasing the company's sales volume.
PENILAIAN KINERJA BADAN USAHA MILIK DESA (BUMDes) DESA SEPAKAT KECAMATAN PLAMPANG MENGGUNAKAN KONSEP BALANCE SCORECARD Usman, U; Wirayuda, Pangeran
Jurnal Ekonomi & Bisnis Vol. 13 No. 1 (2025): Jurnal Ekonomi & Bisnis
Publisher : Pusat Riset dan Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58406/jeb.v13i1.2085

Abstract

This study aims to know the performance of Village Owned Enterprise (BUMDes) of Sepakat Village, Plampang sub-district in 2020-2022, both of financial and non-financial performance using the Balanced Scorecard (BSC) technique. The type of this study was descriptive study. The types of data used were quantitative and qualitative data. Quantitative data was financial performance data of village owned enterprises (BUMDes) of Sepakat Village, Plampang sub-district in 2020-2022, while qualitative data was non-financial performance data of BUMDes of Sepakat Village, Plampang sub-district in 2020-2022. The data used in this study was secondary data obtained from reports contained in BUMDes of Sepakat Village. The tool used to collect data was documentation. The technique of data analysis was Balanced Scorecard (BSC) technique. The results of the study showed that the average performance value of village-owned enterprises (BUMDes) of Sepakat Village in 2020-2022 on four perspectives of the balance scorecard, namely financial perspective, customer perspective, internal business process perspective, and learning and growth perspective was 73.80 so it could be concluded that the performance of village-owned enterprises (BUMDes) of Sepakat Village in 2020-2022 was in Good category (B). It showed that the management of BUMDes of Sepakat Village had been done well so that the presence of BUMDes of Sepakat Village had been beneficial by the communities in strengthening the village economy, especially in fulfilling the needs of communities business capital.
ANALISIS FAKTOR PENENTU KEBERHASILAN PEMERINTAH DESA DALAM MENINGKATKAN EFEKTIVITAS PENGELOLAAN DANA DESA Usman, U; Rahmawati, Fitri
Jurnal Ekonomi & Bisnis Vol. 12 No. 1 (2024): Jurnal Ekonomi & Bisnis
Publisher : Pusat Riset dan Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58406/jeb.v12i1.1532

Abstract

This study aims to analyze the factors determining the government's success in increasing the effectiveness of village fund management, which is thought to consist of accountability, transparency and community participation. The type of this study was quantitative study with associative approach. The type of data used was quantitative obtained directly from primary sources using a questionnaire as a data collection instrument. The respondents for this study were the people of Baturotok Village, Batulanteh Sub-District, Sumbawa District, totaling 98 people. Data were analyzed using multiple linear regression analysis techniques, partial parameter hypothesis testing (t test), simultaneous parameter hypothesis testing (F test), and coefficient of determination testing (). The result of this study showed that the accountability, transparency, and community participation had a a positive and significant effect on the effectiveness of village fund management, either partially or simultaneously. The ability of the accountability, transparency and community participation variables to effected the effectiveness of village fund management was 58.7% and is in the moderate category, while the remaining 41.3% was effected by other variables outside this research model, such as village apparatus competency, government internal control system, and accessibility of financial reports.
Co-Authors Adelia, A Fitri Rahmawati Hapan, Fransiska Maya Kusuma Yanti Oktarina, Inez Sapriadi, S Syafitri, Nurul Aini Wardi, Suharli Wirayuda, Pangeran