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All Journal Jurnal Ekonomi dan Bisnis Samalewa: Jurnal Riset dan Kajian Manajemen
Usman, U
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Economics, Econometrics & Finance Social Sciences

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Journal : Jurnal Ekonomi dan Bisnis

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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.
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