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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Dehasen Untuk Negeri
Subhi, Ramadhan
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Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Public Health Other

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Pelatihan Penyusunan Laporan Keuangan Digital Menggunakan Aplikasi Buku Kas Pada Usaha UMKM Miener Subhi, Ramadhan; Zoniarti, Zoniarti; Yusnita, Yuli; Aprilia, Melisa; Alda, Denada; Saputra, Ilham Giri Muda
Jurnal Dehasen Untuk Negeri Vol 3 No 2 (2024): Juli
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jdun.v3i2.6163

Abstract

The development of technology is very influential on the times, especially in today's digital era. Technology has had a significant impact on human life in the social, economic and cultural fields. In the economic sector, technology changes business processes to be more efficient and effective, thereby increasing productivity and business growth. One of them is the development of micro, small and medium enterprises (UMKM) which are already numerous in Indonesia. The background of the formation of UMKMs in Indonesia is the rapid development of technology, limited access to capital and high unemployment rates which cause poverty. The implementation of this service is carried out by socialising the use of theash book application in Miener UMKM. This community service activity consists of five stages, namely: Identification process, Preparation, Interview, Implementation stage, Evaluation of activity results. Based on the training and socialisation carried out, Miener business owners are very easy to understand and the applications used are very helpful in the process of recording financial reports. The use of applications in the UMKM process is very helpful and simplifies transactions so that there are no errors in the sales transaction process. Recording financial reports provided automatically makes it easy for business owners to understand and is very efficient in its use.
The Role Of Customer Financial Statements In Providing Credit At Bank Bengkulu Putri Hijau Sub-Branch Office Al-Fikri, Adhitya; Afriani, Sulisti; Subhi, Ramadhan
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 3 (2025): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i3.7949

Abstract

The purpose of this study is 1) To identify and analyze the role of financial reports in the credit granting process at Bank Bengkulu KCP Putri Hijau, 2) To determine the financial report elements that are of primary concern in credit evaluation at Bank Bengkulu KCP Putri Hijau, 3) To understand and evaluate the relationship between financial reports and credit risk at Bank Bengkulu KCP Putri Hijau. The analytical method used in this study is a qualitative descriptive method using the interactive model of Miles and Huberman.The research findings indicate that financial reports play a key role in credit granting by Bank Bengkulu KCP Putri Hijau. Financial reports provide information about the financial health of customers, portfolio performance, and the level of risk faced, which are used to determine credit policies, resource allocation, and risk management to ensure the bank remains stable and competitive. Some key financial report elements in credit evaluation at Bank Bengkulu KCP Putri Hijau are the items in the income statement such as net operating income and net profit. As for the balance sheet, the focus is on total current assets and total assets. The relationship between financial reports and credit risk at Bank Bengkulu KCP Putri Hijau is analyzed through financial ratios such as Debt Service Coverage Ratio (DSCR), Current Ratio, Net Profit Margin (NPM), and Return on Assets (ROA). These ratios help assess the company's ability to service debt, thereby minimizing credit risk or defaults before credit approval is granted.
Co-Authors Al-Fikri, Adhitya Alda, Denada Aprilia, Melisa Saputra, Ilham Giri Muda Sulisti Afriani, Sulisti Yusnita, Yuli Zoniarti, Zoniarti