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The World of Financial Administration Journal
Published by Universitas Subang
ISSN : 27222209     EISSN : 27222217     DOI : 10.37950/wfaj
Core Subject : Social,
Social Sciences
The World Financial Administration Journal (WFAJ) is a scientific journal that publishes original articles on the latest knowledge, research or applied research and other developments in the fields of Financial Administration, Financial Policy, Central and Local Government Financial Management, Taxation, Banking, Financial Systems, Financial Management Of The Stock Market, Financial Management, Financial Sector Organization Leadership, Managerial archives, and offices. Since 2019 this journal has been published routinely twice a year (June and December). The main audience was academics, D3 diploma students, Bachelor, Postgraduate, practitioners and others interested in Financial Administration Issues
Arjuna Subject : Ilmu Sosial - Administrasi Publik
Articles 64 Documents
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Analisis Pendapatan Pajak Daerah Pada Badan Pendapatan Daerah (BAPENDA) Kabupaten Subang Periode 2019-2021 Deddy Suhardi; Mella Amelia A.Y
The World of Financial Administration Journal Volume 5 Issue 1, Juni 2023
Publisher : Fakultas Ilmu Administrasi Universitas Subang

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Abstrak Analisis Pendapatan Pajak Daerah pada Badan Pendapatan Daerah Kabupaten Subang Periode 2019-2021Sampel dalam penelitian ini adalah Badan Pendapatan Daerah Kabupaten Subang. Data dalam penelitian ini dikumpulkan melaui teknik studi kelapangan/observasi lapangan tentang pendapatan daerah dan laporan realisasi anggaran pajak daerah yang kemudian dianalisis secara deskriftif dengan analisis rasio efektivitas dan rasio kontribusi penggunaan dana. Hasil penelitian menunjukan bahwa: (1) Ketercapaian Pajak Daerah pada Pendapatan Asli Daerah tahun 2019 sampai dengan tahun 2021 di Kabupaten Subang, masing-masing tahun 2019 sebesar 90,74%, tahun 2020 sebesar 101,29%, dan tahun 2021 sebesar 71,07%. (2) Kontribusi Pajak Daerah pada Pendapatan Asli Daerah tahun 2019 sampai dengan tahun 2020, dengan masing masing tahun 2019 sebesar 47,71%, tahun 2020 48,56%, dan tahun 2021 sebesar 47,02%. Hal ini menunjukan ketercapaian dalam realisasi anggaran pajak daerah Badan Pendapatan Daerah Kabupaten Subang mengalami peningkatan yang fluktuatif terhadap Pendapatan Asli Daerah tetapi sudah cukup berkontribusi dalam rangka mendukung kegiatan daerah. Kata Kunci: Analisis, Pajak Daerah, Target Pajak, Realisasi Pajak, Kontribusi Abstract Analysis of Regional Tax Revenue at the Subang Regency Regional Revenue Agency for the 2019-2021 Period. The sample in this study is the Regional Revenue Agency of Subang Regency. The data in this study were collected through field study techniques/field observations on regional income and regional tax budget realization reports which were then analyzed descriptively with an analysis of the ratio of effectiveness and the ratio of the contribution to the use of funds. The results showed that: (1) The achievement of Regional Taxes on Regional Original Income from 2019 to 2021 in Subang Regency, respectively in 2019 was 90.74%, in 2020 it was 101.29%, and in 2021 it was 71.07%. (2) Local Tax Contribution to Local Original Income from 2019 to 2020, with 2019 at 47.71%, 48.56% in 2020, and 47.02% in 2021. This shows that the achievement in the realization of the regional tax budget of the Subang Regency Regional Revenue Agency has experienced afluctuating increase in Regional Original Income but has contributed enough to supporting regional activities. Keywords: Analysis, Local Taxes, Tax Target, Tax Realization, Contribution
Prosedur Penggunaan Mobile Banking Pada Pelayanan Nasabah PT. Bank Woori Saudara 1906 Kantor Cabang Subang Hani Ruchendi; Ridwan Khoerudin
The World of Financial Administration Journal Volume 5 Issue 1, Juni 2023
Publisher : Fakultas Ilmu Administrasi Universitas Subang

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Abstrak Prosedur Penggunaan M-Banking Pada Pelayanan Nasabah PT. Bank Woori Saudara Kantor Cabang Subang, maka dapat diambil rumusan masalah sebagai berikut : (1) Bagaimana proses pembukaan M-Banking Bank Woori Saudara 1906 Kantor Cabang Subang. (2) Bagaimana cara penggunaan Aplikasi M-Banking Bank Woori Saudara 1906 Kantor Cabang Subang. (3) Bagaimana proses penutupan M-Banking Bank Woori Saudara 1906 Kantor Cabang Subang. Hasil penelitian menunjukan bahwa Prosedur Pembukaan m-banking mobile banking dilakukan oleh Calon nasabah datang ke kantor BWS terdekat dengan membawa kartu identitas diri KTP. Calon nasabah menuju customer service dan menyampaikan keperluannya untuk pembukaan m-banking. Customer service menjelaskan syarat dan ketentuan yang harus dipenuhi oleh nasabah dalam pembukaan m-banking. Setelah itu calon nasabah diberi lembar formulir pembukaan m-bangking. Kemudian calon nasabah diminta untuk mengisi formulir tersebut sesuai dengan identitas diri. Setelah selesai mengisi formulir, customer service melakukan proses pengimputan data nasabah dan juga verifikasi data calon nasabah apakah sudah sesuai dengan identitas diri yang digunakan. Selanjutnya calon nasabah diminta untuk meng install Aplikasi (WON BY BWS) di playstore sambil menunggu kode sms dari pihak bank yang isi dalam sms tersebut yaitu nomor rekening nasabah dan kode aktivasi m-banking. Setelah itu calon nasabah bisa langsung daftar melalui (WON BY BWS) dengan mengikuti saran dari customer service sampai dengan pembukaan m-banking tahap akhir. Kemudian setelah pembukaan m-banking selesai, maka nasabah bisa langsung menggunakan m-banking (WON BY BWS) ini dengan berbagai macam fitur-fitur didalmnya. Apabila nasabah ingin penutupan m-banking, maka untuk itu harus dengan Pengajuan oleh pihak nasabah sendiri dengan Penyampaian surat tertulis pengakhiran nasabah pengguna M-Banking Bank Woori Saudara, Agar dengan hal tersebut nasabah akan membebaskan pihak Bank dari tuntutan dimana bank tidak dapat melaksanakan perintah dari nasabah pengguna. Kata kunci: Prosedur Pembukaan M-Banking, Penggunaan, dan Penutupan Abstract Procedure for Using M-Banking in Customer Service PT. Woori Saudara Bank Subang Branch Office, then the following problem formulation can be taken: (1) What is the process for opening M-Banking Woori Saudara 1906 Subang Branch Office. (2) How to use the M-Banking Application for Bank Woori Saudara 1906 Subang Branch Office. (3) What is the process for closing the M-Banking Bank Woori Saudara 1906 Subang Branch Office. The results of the study show that the procedure for opening m-banking mobile banking is carried out by prospective customers who come to the nearest BWS office carrying a KTP identity card. Prospective customers go to customer service and convey their needs for opening m-banking. Customer service explains the terms and conditions that must be met by customers in opening m-banking. After that, the prospective customer is given a m-banking opening form. Then prospective customers are asked to fill out the form according to their identity. After completing the form, the customer service carries out the process of inputting customer data and also verifying whether the prospective customer's data matches the identity used. Next, the prospective customer is asked to install the application (WON BY BWS) in the playstore while waiting for an SMS code from the bank, which contains the SMS, namely the customer's account number and the m-banking activation code. After that, prospective customers can immediately register via (WON BY BWS) by following the advice from customer service until the opening of the final stage of m-banking. Then after the opening of m-banking is complete, customers can immediately use m-banking (WON BY BWS) with various kinds of features in it. If the customer wants to close m-banking, then for that it must be submitted by the customer himself by submitting a written letter terminating the customer using M-Banking Bank Woori Saudara. user customers. Keywords: M-Banking Opening Procedure, Use, and Closing
Prosedur Klaim Reimbursement Karyawan Pada PT. Federal International Finance (FIF group) Cabang Subang Silvy Sondari Gadzali; Ade Suparman; Rani Rahmawati
The World of Financial Administration Journal Volume 5 Issue 1, Juni 2023
Publisher : Fakultas Ilmu Administrasi Universitas Subang

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Abstract

Abstrak Tujuan penulisan untuk mengetahui (1) Jenis Klaim Reimbursement Karyawan Pada PT. Federal International Finance (FIFGROUP) Cabang Subang. (2) Prosedur Klaim Reimbursement Karyawan Pada PT. Federal International Finance (FIFGROUP) Cabang Subang. (3) Risiko Yang Terjadi Dalam Prosedur Klaim Reimbursement Karyawan Pada PT. Federal International Finance (FIFGROUP) Cabang Subang. Metode yang digunakan yaitu metode deskriptif, sedangkan teknik yang digunakan dalam memperoleh data informasi yaitu dikumpulkan dengan metode pengumpulan data yang diantaranya observasi, wawancara dan studi pustaka. Federal International Finance (FIFGROUP) Cabang Subang merupakan perusahaan yang bergerak di bidang jasa layanan pembiayaan sepeda motor honda, jasa layanan pembiayaan multiguna, jasa layanan pembiayaan bisnis dan modal kerja. PT. Federal International Finance (FIFGROUP) Cabang Subang memiliki salah satu fasilitas yaitu reimbursement sebagai tunjangan bagi karyawan. Karyawan seringkali diharuskan membayar beberapa biaya karena perusahaan belum dapat membayarkannya secara langsung, perusahaan mengganti biaya yang sudah dikeluarkan atas klaim karyawan yang biasa disebut dengan reimbursement. Pada PT. Federal International Finance (FIFGROUP) Cabang Subang terdapat permasalahan yang berhubungan dengan klaim reimbursement karyawan, yaitu terjadi penolakan klaim yang disebabkan oleh karyawan yang belum paham dengan Standar Operasional Prosedur (SOP) yang telah ditetapkan oleh PT. Federal International Finance (FIFGROUP) Cabang Subang. Kata Kunci : Prosedur, Klaim, Reimbursement Abstract Research purposes the author intends to find out (1) Types of Employee Reimbursement Claims at PT. Federal International Finance (FIFGROUP) Subang Branch. (2) Employee Reimbursement Claim Procedure at PT. Federal International Finance (FIFGROUP) Subang Branch. (3) Risks that occur in the employee reimbursement claim procedure at PT. Federal International Finance (FIFGROUP) Subang Branch. The method used is the descriptive method, while the technique used in obtaining information data is collected by data collection methods whichinclude observation, interviews and literature studies. Federal International Finance (FIFGROUP) Subang Branch is a company engaged in honda motorcycle financing services, multipurpose financing services, business financing services and working capital. PT. Federal International Finance (FIFGROUP) Subang Branch has one of the facilities, namely reimbursement as a benefit for employees. Employees are often required to pay some fees because the company has not been able to pay them directly, the company reimburses the costs already incurred for the usual employee claims called reimbursement. At PT. Federal International Finance (FIFGROUP) Subang Branch there are problems related to employee reimbursement claims, namely the rejection of claims caused by employees who are not familiar with the Standards Operating Procedures (SOPs) that have been determined by PT. Federal International Finance (FIFGROUP) Subang Branch. Keywords: Procedures, Claims, Reimbursement
Mekanisme Pembayaran Pajak Bumi Dan Bangunan Perdesaan Dan Perkotaan (PBB-P2) Pada Badan Pendapatan Daerah (BAPENDA) Kabupaten Subang Zaenal Hirawan; Dewi Nurasiatin
The World of Financial Administration Journal Volume 5 Issue 1, Juni 2023
Publisher : Fakultas Ilmu Administrasi Universitas Subang

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Abstrak Tujuan dari Penelitian ini yaitu untuk mengetahui dan menjelaskan Mekanisme Pembayaran PBB-P2 pada BAPENDA Kabupaten Subang. Penelitian ini bermanfaat untuk menambah wawasan tentang mekanisme pembayaran PBB-P2 pada BAPENDA Kabupaten Subang. Metode yang digunakan dalam penelitian ini yaitu metode kualitatif deskriptif yaitu pencarian fakta dengan interpretasi yang tepat. Metode yang digunakan dalam penelitian ini yaitu metode kualitatif deskriptif yaitu pencarian fakta dengan interpretasi yang tepat : Observasi, Dokumentasi, Wawancara, Studi Pustaka atau Kepustakaan. Alur pembayaran PBB-P2 yang sedang berjalan di Bank ke Badan Pendapatan Daerah Kab. Subang yaitu Wajib Pajak menyerahkan SPPT kepada teller, setelah berkas lengkap teller membuat slip setoran dan menyerahkan kepada bagian Analisa Pajak. Analisa Pajak membuat penerimaan PBB-P2 dan menyerahkan kepada teller. Setelah itu teller membuat laporan mutasi penerimaan PBB-P2 dan menyerahkan kepada Pimpinan Bank dan Bapenda. Dan sebenarnya BAPENDA berpihak sebagai koordinator Pajak Daerah tersebut, jadi BAPENDA memiliki catatan penerimaan Pajak Daerah. Maka disimpulkan Mekanisme Pembayaran PBB-P2 pada BAPENDA Kabupaten Subang Wajib Pajak mendapatkan SPPT, setelah itu Wajib Pajak melakukan pembayaran melalui outlet yang sudah ditentukan. Kata kunci : Mekanisme, PBB-P2, Alur Pembayaran Abstract The purpose of this study is to find out and explain the PBB-P2 Payment Mechanism at the BAPENDA of Subang Regency. This research is useful for adding insight into the PBB-P2 payment mechanism at the Subang Regency BAPENDA. The method used in this research is descriptive qualitative method, namely fact finding with the right interpretation. The method used in this research is descriptive qualitative method, namely fact finding with the right interpretation: Observation, Documentation, Interviews, Library Studies or Literature. The PBB-P2 payment flow that is currently running at the Bank to the District Revenue Agency. Subang, namely the Taxpayer submits the SPPT to the teller, after the complete file the teller makes a deposit slip and submits it to the Tax Analysis section. Tax analysis makes PBB-P2 receipts and submits them to tellers. After that the teller makes a transfer report on PBB-P2 receipts and submits it to the leadership of the Bank and Bapenda. And actually BAPENDA takes sides as the Regional Tax coordinator, so BAPENDA has records of Regional Tax receipts. So it was concluded that the PBB-P2 Payment Mechanism at BAPENDA of Subang Regency Taxpayers get SPPT, after that the Taxpayers make payments through predetermined outlets Keywords : Mechanism, PBB-P2, Payment Flow
PENGARUH KINERJA KEUANGAN TERHADAP RETURN SAHAM PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2019 – 2021 Kartini, Titin; Aulia, Silvi; Pibriani, Thalia
The World of Financial Administration Journal Volume 5 Issue 2, Desember 2023
Publisher : Fakultas Ilmu Administrasi Universitas Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/wfaj.v5i2.1882

Abstract

Abstrak Penelitian ini dilakukan untuk menguji pengaruh kinerja keuangan terhadap Return saham yang dilakukan oleh perusahaan perbankan yang terdaftar di Bursa Efek Indonesia periode 2019-2021. Variabel independen dalam penelitian ini adalah Current Ratio, Debt to Equity Ratio, dan Return On Asset. Sedangkan Variabel dependen dalam penelitian ini adalah Return Saham. Sampel dalam penelitian ini terdiri dari 32 perusahaan perbankan yang terdaftar di Bursa Efek Indonesia dari periode 2019-2021. Teknik sampling yang digunakan adalah purposive sampling dengan kriteria meliputi: Perusahaan Perbankan yang go public di Bursa Efek Indonesia (BEI) dari tahun 2019 sampai dengan 2021, menyediakan data Laporan keuangan dari tahun 2019 sampai dengan 2021 dan sampel yang digunakan memiliki data lengkap. Data diperoleh dari situs resmi BEI (www.idx.co.id). Teknik analisis yang digunakan adalah statistik deskriftif dan analisis regresi linear berganda. Hasil penelitian dengan analisis regresi berganda menunjukkan bahwa hasil analisis koefisien korelasi berganda R (multiple corelation) menggambarkan cukup kuatnya hubungan antara variabel Current Asset(CR), Debt to Equity Ratio(DER) dan Return on Asset(ROA) secara bersama-sama terhadap variabel return saham. Dan juga berdasarkan analisis koefisien regresi linier berganda menunjukkan bahwa Current Ratio mempunyai pengaruh yang signifikan terhadap Return Saham. Sedangkan Debt to Equity Ratio(DER) dan Retun on Asset(ROA) mempunyai pengaruh yang tidak signifikan terhadap Return Saham. Kata kunci : Return Saham, Current Ration, Debt To Equity Ratio (DER) dan Return on Asset (ROA) Abstract This study was conducted to examine the effect of financial performance on stock returns conducted by banking companies listed on the Indonesia Stock Exchange for the 2019-2021 period. The independent variables in this study are Current Ratio, Debt to Equity Ratio, and Return On Asset. While the dependent variable in this study is Stock Return. The sample in this study consisted of 32 banking companies listed on the Indonesia Stock Exchange from the 2019-2021 period. The sampling technique used is purposive sampling with criteria including: Banking companies that went public on the Indonesia Stock Exchange (IDX) from 2019 to 2021, provide financial statement data from 2019 to 2021 and the samples used have complete data. Data collected from the official IDX website (www.idx.co.id). The analysis technique used is descriptive statistics and multiple linear regression analysis. The results of the study with multiple regression analysis show that the results of the multiple correlation coefficient analysis R (multiple corelation) illustrate the strong enough relationship between the variables Current Asset (CR), Debt to Equity Ratio (DER) and Return on Asset (ROA) together on the stock return variable. And also based on multiple linear regression coefficient analysis shows that Current Ratio has a significant effect on Stock Returns. Meanwhile, Debt to Equity Ratio (DER) and Return on Asset (ROA) have an insignificant effect on Stock Returns. Keywords: Stock Return, Current Ratio, Debt to Equity Ratio (DER) and Return on Asset (ROA)
PROSEDUR PENGGAJIAN PEGAWAI PADA PT. POS INDONESIA (PERSERO) KANTOR CABANG SUBANG Muhammad, Aziz; Suparman, Ade; Nuraida, Wida
The World of Financial Administration Journal Volume 5 Issue 2, Desember 2023
Publisher : Fakultas Ilmu Administrasi Universitas Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/wfaj.v5i2.1883

Abstract

Abstrak Dalam menjalankan sebuah perusahaan atau badan usaha, pegawai merupakan salah satu komponen penting. PT. Pos Indonesia (Persero) Kantor Cabang Subang merupakan salah satu dari perusahaan BUMN yang bergerak dibidang jasa kurir (internasional dan domestik), jasa logistik dan jasa keuangan. Gaji merupakan hak pegawai dan timbal balik dari kewajiban pegawai dalam kinerjanya untuk perusahaan, dimana hal ini akan memicu kinerja pegawai dan juga meningkatkan kualitas kerja pegawai. Untuk itu, perusahaan perlu menerapkan prosedur penggajian dengan baik. Tujuan penelitian ini adalah untuk mengetahui bagaimana prosedur penggajian pegawai pada PT. Pos Indonesia (Persero) Kantor Cabang Subang. Penelitian ini dilakukan dengan bersifat deskriptif yang dilakukan dengan teknik analisis data. Teknik pengumpulan data yang digunakan oleh penulis yaitu melalui observasi, wawancara dan studi kepustakaan. Penelitian ini menunjukkan bahwa dalam jaringan prosedur penggajian melalui beberapa prosedur yaitu: prosedur pencatatan kehadiran, prosedur pembuatan daftar gaji dan prosedur pembayaran gaji. Berdasarkan penelitian yang sudah penulis sampaikan dapat disimpulkan bahwa Kantor Pos Cabang Subang menggunakan prosedur penggajian pegawai dengan baik dan sesuai dengan keputusan direksi yang berlaku. Kata kunci: Prosedur, Pegawai, Gaji Abstract In running a company or business entity, employees are an important component. PT. Pos Indonesia (Persero) Subang Branch Office is one of the state-owned companies engaged in courier services (international and domestic), logistics services, and financial services. Salary is an employee's right and a reciprocal of the employee's obligations in performance for the company, where this will trigger employee performance and also improve the quality of employee work. For this reason, companies need to implement payroll procedures properly. The purpose of this study was to find out how the employee payroll procedures at PT. Pos Indonesia (Persero) Subang Branch Office. This research was conducted descriptively with data analysis techniques. The data collection technique used by the author is through observation, interviews, and literature studies. This study shows that in the payroll procedure network, there are several procedures, namely: the procedure for recording attendance, the procedure for making payroll, and the procedure for paying salaries. Based on the research that the author has conveyed, it can be concluded that the Subang Branch Post Office uses proper employee payroll procedures and following the applicable directors' decision. Keywords: Procedure, Employees, Salary
TINJAUAN PELAYANAN CUSTOMER SERVICE PADA PT. BANK WOORI SAUDARA INDONESIA 1906, Tbk. KANTOR CABANG SUBANG Pebriani, Karina; Hirawan, Zaenal; Mugni, Nur Muhamad
The World of Financial Administration Journal Volume 5 Issue 2, Desember 2023
Publisher : Fakultas Ilmu Administrasi Universitas Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/wfaj.v5i2.1884

Abstract

Abstrak Penelitian ini dilakukan berdasarkan permasalahan yang ditemukan pada saat proses observasi di PT. Bank Woori Saudara Indonesia 1906, Tbk Kantor Cabang Subang Tujuan dari penelitian ini untuk mengetahui : (1) Untuk mengetahui tugas dan tanggung jawab Customer Service pada PT. Bank Woori Saudara Indonesia 1906, Tbk. Kantor Cabang Subang. (2) Untuk mengetahui peran penting Customer Service dalam meningkatkan pelayanan pada PT. Bank Woori Saudara Indonesia 1906, Tbk. Kantor Cabang Subang. (3) Untuk mengetahui hambatan dan solusi yang dihadapi Customer Service dalam melayani nasabah pada PT. Bank Woori Saudara Indonesia 1906, Tbk. Kantor Cabang Subang. (4) Untuk mengetahui upaya Customer Service dalam meningkatkan pelayanan terhadap nasabah pada PT. Bank Woori Saudara Indonesia 1906, Tbk. Kantor Cabang Subang. Kata kunci : Customer Service Abstract This research was conducted based on problems found during the observation process at PT. Bank Woori Saudara Indonesia 1906, Tbk Subang Branch Office The purpose of this research is to find out: (1) To find out the duties and responsibilities of Customer Service at PT. Bank Woori Brothers Indonesia 1906, Tbk. Subang Branch Office. (2) To find out the important role of Customer Service in improving service at PT. Bank Woori Brothers Indonesia 1906, Tbk. Subang Branch Office. (3) To find out the obstacles and solutions faced by Customer Service in serving customers at PT. Bank Woori Brothers Indonesia 1906, Tbk. Subang Branch Office. (4) To find out Customer Service efforts in improving service to customers at PT. Bank Woori Brothers Indonesia 1906, Tbk. Subang Branch Office. Keywords : Customer Service
PROSEDUR KREDIT TANPA AGUNAN (KTA) PADA BANK SUBANG (PT. BPR SUBANG GEMI NASTITI) Dipalma, Sakti Algeri; Dinarwati, Sri; Ruchendi, Hani; Prastika, Dwi Jihan Milda
The World of Financial Administration Journal Volume 5 Issue 2, Desember 2023
Publisher : Fakultas Ilmu Administrasi Universitas Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/wfaj.v5i2.1885

Abstract

Abstrak Kredit Tanpa Agunan adalah sebuah pinjaman perbankan yang mampu memberikan dana kepada nasabah tanpa perlu mempersiapkan suatu aset untuk dijadikan jaminan atas pinjaman tersebut. Kredit Tanpa Agunan umumnya disediakan bank untuk berbagai keperluan, diantaranya biaya pendidikan, renovasi rumah, modal kerja, dan untuk kebutuhan lainnya. Penelitian ini dilakukan berdasarkan permasalahan yang ditemukan pada saat proses observasi Kredit Tanpa Agunan pada Bank Subang (PT. BPR Subang Gemi Nastiti). Tujuan dari Penelitian ini adalah untuk mengetahui Prosedur Kredit Tanpa Agunan (KTA) Pada Bank Subang (PT. BPR Subang Gemi Nastiti). Tempat pelaksanaan penelitian adalah di Bank Subang (PT. BPR Subang Gemi Nastiti) yang beralamat di Jl. Otto Iskandardinata Nomor 125 Subang. Untuk memperoleh data yang diperlukan dalam penelitian ini. Metode penelitian ini menggunakan beberapa metode analisis pengumpulan data antara lain : metode observasi, metode wawancara, metode dokumentasi, metode studi pustaka. Hasil penelitian menunjukan bahwa Kredit Tanpa Agunan sangat banyak diminati, khususnya bagi para karyawan yang bekerja di instansi pemerintah/perusahaan yang sudah melakukan perjanjiaan kerjasama dengan Bank Subang (PT. BPR Subang Gemi Nastiti). Karena proses dan persyaratannya mudah, sehingga nasabah tidak perlu menjaminkan harta yang dimilikinya. Karena gaji setiap bulan yang dibayarkan instansi/perusahaan merupakan jaminannya. Masalah yang timbul jarang sekali terjadi karena sistem pembayaran angsuran dilakukan dengan cara auto debit, karena syarat pinjaman Kredit Tanda Agunan nasabah harus memiliki rekning tabungan di Bank Subang (PT. BPR Subang Gemi Nastiti). Kata kunci : Prosedur, Kredit Tanpa Agunan. Abstract Unsecured credit is a banking loan that is able to provide funds to customers without the need to prepare an asset to be used as collateral for the loan. Unsecured credit is generally provided by banks for various purposes, including education costs, house renovations, working capital and other needs. This research was conducted based on problems found during the process of observing Unsecured Credit at Bank Subang (PT. BPR Subang Gemi Nastiti). The purpose of this research is to determine the Unsecured Credit (KTA) Procedure at Subang Bank (PT. BPR Subang Gemi Nastiti). The place where the research was carried out was at Bank Subang (PT. BPR Subang Gemi Nastiti) which is located at Jl. Otto Iskandardinata Number 125 Subang. To obtain the data needed in this research. This research method uses several data collection analysis methods, including: observation method, interview method, documentation method, literature study method. The research results show that collateral-free loans are in great demand, especially for employees who work in government agencies/companies that have entered into cooperation agreements with Bank Subang (PT. BPR Subang Gemi Nastiti). Because the process and requirements are easy, customers do not need to pledge their assets as collateral. Because the monthly salary paid by the agency/company is a guarantee. Problems that arise rarely occur because the installment payment system is carried out by auto debit method, because the terms of the Collateral Credit Credit loan, the customer must have a savings account at Bank Subang (PT. BPR Subang Gemi Nastiti). Keywords: Procedures, Unsecured Credit.
ANALISIS KINERJA LAPORAN KEUANGAN ANGGARAN PENDAPATAN DAN BELANJA DAERAH KABUPATEN SUBANG TAHUN 2017 - 2020 Suhardi, Deddy; Sulastri, Ela
The World of Financial Administration Journal Volume 5 Issue 2, Desember 2023
Publisher : Fakultas Ilmu Administrasi Universitas Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/wfaj.v5i2.1886

Abstract

Abstract This study was aimed to determine the regional financial performance of the Regional Financial and Asset Agency of Subang Regency in 2017 – 2020. This research is qualitative descriptive research. Data collection using documentation methods, and interviews. The results of the analysis showed that the financial performance of subang regency area seen from the decentralization degree ratio is less because the average is only 16.26%, Dependency ratio is very high with an average of 79.38%, The Regional Financial Independence Ratio is very low and classified as instructive because the average is only 20.49%, Pad Effectiveness Ratio can be categorized effectively with an average of 98.83% , Pad Efficiency Ratio is classified as Efficient because the average ratio is 17.58%, The compatibility ratio can be said that Subang Regency allocates most of its spending budget for the average regional operation of 69.39%. compared to capital expenditure of 14.24% and Expenditure Efficiency Ratio It is classified as Efficient because the average with a value below 100% is 92.34%. While in the growth of income and spending there are negatives. Keywords: Local Government Financial Performance, Financial Ratio Abstrak Penelitian ini bertujuan untuk mengetahui kinerja keuangan pada Badan Keuangan dan Aset Daerah (BKAD) Kabupaten Subang tahun 2017 – 2020. Penelitian ini merupakan penelitian deskriptif kualitatif. Pengumpulan data menggunakan metode dokumentasi, dan wawancara. Hasil analisis menunjukan bahwa kinerja Keuangan daerah Kabupaten Subang dilihat dari Rasio Derajat Desentralisasi kurang karena rata-ratanya hanya sebesar 16,26%, Rasio Ketergantungan terbilang sangat tinggi dengan rata-rata sebesar 79,38%, Rasio Kemandirian Keuangan Daerah sangat rendah dan tergolong instruktif karena rata-ratanya hanya 20,49%, Rasio Efektivitas PAD dapat diketagorikan efektif dengan rata-rata sebesar 98,83% , Rasio Efisiensi PAD tergolong Efisien karena rata-rata rasionya sebesar 17,58%, Rasio keserasian belanja dapat dikatakan bahwa Kabupaten Subang mengalokasikan sebagian besar anggaran belanjanya untuk operasi daerah rata-rata sebesar 69,39% dibandingkan dengan belanja modal sebesar 14,24% dan Rasio Efisiensi Belanja tergolong Efisien karena rata-rata dengan nilai dibawah 100% yaitu 92,34%. Sedangkan pada pertumbuhan pendapatan dan belanja ada yang negative. Kata Kunci : Kinerja Keuangan Pemerintah Daerah, Rasio Keuangan
MANAJEMEN MODAL KERJA DALAM PENGEMBANGAN USAHA TOKO ISKANDARIA KECAMATAN TILAMUTA KABUPATEN BOALEMO Sukrianto; Suleman, Marno; Nadila Mohammad, Ira; Hasan, Nurlaila
The World of Financial Administration Journal Volume 6 Issue 1, Juni 2024
Publisher : Fakultas Ilmu Administrasi Universitas Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/wfaj.v6i1.2012

Abstract

Abstrak Tujuan penelitian adalah untuk mendeskripsikan manajemen modal modal kerja dalam pengembangan usaha Toko Iskandaria Kecamatan Tilamuta Kabupaten Boalemo. Metode penelitian yang digunakan dengan pendekatan kualitatif jenis penelitian deskriptif. Metode pengumpulan data observasi, wawancara dan dokumentasi. Metode analisis data yang digunakan reduksi data, penyajian data dan penarikan kesimpulan. Hasil penelitian adalah (a) Manajemen kas dalam melaksanakan alokasi biaya harus secara rutin pada operasional usaha dengan membagi secara jelas dalam membeli dan menambah barang dagangan serta untuk membantu pelunasan hutang usaha serta aspek yang memang harus dilakukan secara optimal. (b) Manajemen persediaan diharapkan dilaksanakan dengan melihat proses pembelian barang dagang, pengangkutan dan penyimpanan persediaan usaha serta aspek yang memang dinilai belum optimal sehingga adanya barang yang kosong yang sangat dibutuhkan konsumen serta kerusakan barang dagang. (c) Manajemen piutang sangat diperlukan dalam hal kepercayaan dari konsumen, sehingga menjadi dasar dalam pemberian piutang sesuai dengan uang muka serta tidak menjadi dasar dalam pemberian kredit macet dan ketidakstabilan pembayaran piutang. Kata kunci:  Manajemen, Modal Kerja, Usaha         Abstract The aim of the research is to describe working capital management in developing the Iskandaria Shop business, Tilamuta District, Boalemo Regency. The research method used is a qualitative approach, descriptive research type. Data collection methods are observation, interviews and documentation. The data analysis method used is data reduction, data presentation and drawing conclusions. The results of the research are (a) Cash management in carrying out cost allocation must be carried out routinely in business operations by clearly dividing the purchase and addition of merchandise as well as to help pay off business debts and aspects that must be carried out optimally. (b) Inventory management is expected to be implemented by looking at the process of purchasing merchandise, transporting and storing business inventory as well as aspects that are considered not optimal, resulting in empty goods that are really needed by consumers and damage to merchandise. (c) Credit management is very necessary in terms of consumer trust, so that it becomes the basis for granting credit according to the down payment and does not become the basis for granting bad credit and instability in credit payments. Keywords: Management, Working Capital, Business,

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