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All Journal JURNAL MANAJEMEN Journal of Training and Community Service Adpertisi
Muhammad, Abbas
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Other

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HOUSING LOANS AND PEOPLE'S BUSINESS LOANS AS DETERMINANTS OF RETURN ON ASSETS: AN EMPIRICAL STUDY ON PT BANK NEGARA INDONESIA (PERSERO) TBK MATOANGIN BRANCH OFFICE Muhammad, Abbas; Salmah Harun; Muhammad Amin
JPIM (Jurnal Penelitian Ilmu Manajemen) Vol 9 No 2 (2024): JPIM (JURNAL PENELITIAN ILMU MANAJEMEN)
Publisher : Universitas Islam Lamongan

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Abstract

This study aims to analyze the influence of Housing Loans (KPR) and People's Business Loans (KUR) on Return on Assets (ROA) at PT Bank Negara Indonesia (Persero) Tbk Matoangin Branch Office. KPR and KUR were chosen because of their strategic role in supporting the housing sector and micro, small, and medium enterprises (MSMEs) in Indonesia. The data used is secondary data from the bank's financial statements for the period 2017-2022. The research method used is a quantitative approach using multiple linear regression analysis in SPSS. The results of the analysis show that both KPR and KUR have a positive and significant influence on bank ROA. The regression coefficient shows that each unit of increase in the mortgage will increase the ROA by 152,912, while the KUR will increase the ROA by 110,033, assuming the other variables are constant. The determination coefficient test showed that the regression model was able to account for about 96.5% of the variation in ROA, showing a good match between the model and the existing data. These results make a theoretical and practical contribution in understanding the effectiveness of KPR and KUR as instruments to improve bank financial performance. This research is expected to be a reference for bank management in optimizing credit distribution policies to support economic growth and increase company profitability. These findings also have the potential to provide input for further research in the context of the use of microcredit and housing in Indonesia.
Literasi Pemanfaatan Digital Marketing Dalam Peningkatan Usaha UMKM Di Desa Balangtanaya Kecamatan Polombangkeng Utara Kabupaten Takalar Hajiali, Ismail; Abbas, Muhammad Abbas; Kessi, Andi Muhammad Fara; Tajuddin, Imran Tajuddin; Tasrik, Tasrik; Arrang, Hermin Arrang
JOURNAL OF TRAINING AND COMMUNITY SERVICE ADPERTISI (JTCSA) Vol. 3 No. 3 (2023): Okt 2023
Publisher : ADPERTISI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62728/jtcsa.v3i3.488

Abstract

Balangtanaya Village is one of the villages in North Polongbangkeng District, Takalar Regency, where the village has Micro, Small and Medium Enterprises has limitations in running its business in terms of introducing and selling its products in the market, the scope of sales areas is limited, and faces competition from local and other regions. This is a challenge for the development of micro, small and medium scale enterprises. This community service activity is held based on service-learning in the form of business assistance for MSME products. The stages of mentoring themselves start from the debriefing stage to monitoring. The purpose of this activity is to find out the obstacles and challenges faced by MSMEs and compile digital marketing that can support their business. Digital marketing is applied specifically in making social media suitable for MSMEs. This digital marketing is expected to develop market reach. The results of this Community Service activity show that digital marketing utilization literacy can change the way MSMEs connect with their consumers. The use of social media helps introduce, promote and market MSME products more broadly. The characteristics and needs of MSME development also cause differences in the need to apply digital marketing utilization methods through social media.
Co-Authors Arrang, Hermin Arrang Hajiali, Ismail Kessi, Andi Muhammad Fara Muhammad Amin Salmah Harun Tajuddin, Imran Tajuddin Tasrik, Tasrik