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All Journal Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Ilmiah Manajemen dan Akuntansi Jurnal Manajemen Bisnis Digital Terkini
Muhammad Alhadad
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Other

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PENGARUH SIMPANAN TABUNGAN, GIRO, DAN DEPOSITO TERHADAP LABA PADA BANK MAYBANK Dika Febrianto; Abi Alpa Rijki; Muhammad Alhadad; Mikhael David James Sirait; Muhamad Syahwildan
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 2 No. 3 (2025): JUNI-JULI 2025
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh simpanan tabungan, giro, dan deposito terhadap laba bank. Dana pihak ketiga seperti tabungan, giro, dan deposito merupakan komponen penting dalam struktur pendanaan bank, namun efektivitas kontribusinya terhadap peningkatan laba masih menjadi perdebatan. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis regresi linier berganda. Data yang digunakan adalah data sekunder selama enam periode pengamatan, dengan variabel independen meliputi tabungan, giro, dan deposito, serta variabel dependen yaitu laba bank. Uji asumsi klasik dilakukan melalui uji normalitas, heteroskedastisitas, multikolinearitas, dan autokorelasi untuk memastikan kelayakan model regresi. Hasil analisis statistik menunjukkan bahwa secara parsial, ketiga variabel, yaitu tabungan, giro, dan deposito, tidak berpengaruh signifikan terhadap laba bank dengan nilai signifikansi masing-masing lebih besar dari 0,05. Secara simultan, ketiga variabel tersebut juga tidak berpengaruh signifikan terhadap laba bank, ditunjukkan oleh hasil uji F dengan nilai signifikansi sebesar 0,622. Nilai Adjusted R Square sebesar -0,193 mengindikasikan rendahnya kemampuan model dalam menjelaskan variasi laba, yang juga dipengaruhi oleh jumlah sampel yang sangat terbatas. Temuan ini sejalan dengan berbagai penelitian terdahulu yang menyatakan bahwa dana pihak ketiga, khususnya tabungan, giro, dan deposito, belum secara langsung menjadi faktor determinan dalam peningkatan laba bank. Oleh karena itu, diperlukan strategi pengelolaan dana yang lebih efektif serta optimalisasi produk keuangan lainnya untuk mendorong profitabilitas bank secara maksimal.
Penganggaran sebagai Alat Strategis dalam Perencanaan dan Pengambilan Keputusan Bisnis Mikhael Devid James Sirait; Ade Faisal; Muhammad Alhadad; Masykur Arief Subagya; Abi Alpa Rijki; Muhamad Syahwildan
Jurnal Manajemen Bisnis Digital Terkini Vol. 2 No. 2 (2025): April : Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumbidter.v2i2.701

Abstract

In today's competitive and dynamic business world, budgeting is no longer viewed solely as an administrative tool but has evolved into a crucial strategic instrument for organizational planning and decision-making. This study aims to explore the strategic role of budgeting in supporting the achievement of organizational goals, particularly through the alignment of short-term and long-term strategies. The method used is a literature study by examining various financial management theories and budgeting practices in several industrial sectors. The results of the study indicate that strategic budgeting can provide clear direction in resource allocation, organizational priority setting, and performance evaluation. In addition to being a control tool, the budget also functions to strengthen coordination between work units and support data-based decision-making. The participation of various stakeholders in the budgeting process plays a crucial role in increasing accountability, transparency, and a sense of ownership in achieving organizational goals. The integration of budget and strategy enables organizations to be more adaptive and responsive to the dynamics of the external environment. Thus, a flexible and participatory budgeting approach is essential so that the budget is not merely a static document but also a dynamic tool in supporting sustainable competitive advantage. This research concludes that strategically oriented budgeting significantly contributes to organizational effectiveness and success in achieving long-term goals.
ANALISIS SWOT DENGAN MENGGUNAKAN MATRIX DAN PERHITUNGAN IFE DAN EFE PADA UMKM D’KRIUK CHICKEN MUTIARA BEKASI JAYA Muhammad Alhadad
Jurnal Ilmiah Manajemen dan Akuntansi Vol. 2 No. 5 (2025): September : Jurnal Ilmiah Manajemen dan Akuntansi
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/je6syd02

Abstract

D’Kriuk Chicken Mutiara Bekasi Jaya is a micro, small, and medium enterprise (MSME) engaged in the fast-food industry specializing in crispy fried chicken. The business has shown significant growth in line with increasing market demand for convenient food with savory flavors at affordable prices. However, amid intense business competition and dynamic consumer preferences, the enterprise must adopt adaptive and sustainable business strategies. This study aims to formulate business development strategies based on the internal and external conditions of the enterprise. The research employs a SWOT analysis approach, supported by the Internal Factor Evaluation (IFE) and External Factor Evaluation (EFE) matrices, to identify the business's strengths, weaknesses, opportunities, and threats. The method used is qualitative descriptive, with data collected through observation and in-depth interviews with the business owner. The results show that the IFE matrix score is 2.63 and the EFE matrix score is 3.63, positioning the business in Quadrant I (aggressive strategy). The recommended strategy is the SO strategy, which leverages internal strengths to seize external opportunities. Suggested alternatives include strengthening digital marketing, maintaining service quality, and developing an efficient operational system. The implementation of these strategies is expected to enhance the competitiveness and sustainability of D’Kriuk Chicken Mutiara Bekasi Jaya in an increasingly dynamic market.
Co-Authors Abi Alpa Rijki Ade Faisal Dika Febrianto Masykur Arief Subagya Mikhael David James Sirait Mikhael Devid James Sirait Muhamad Syahwildan