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ANALISIS MODEL PEMBIAYAAN UMKM MELALUI PERAN LEMBAGA KEUANGAN MIKRO Anggraeni, Devi; Herlinawati, Erna
IMAGE : Jurnal Riset Manajemen Vol 8, No 1 (2019): IMAGE : Jurnal Riset Manajemen. April 2019
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/image.v8i1.23117

Abstract

Tujuan penelitian ini untuk menganalisis model pembiayaan yang sesuai dengan harapan pelaku UMKM melalui peran Lembaga Keuangan Mikro (LKM). Metode penelitian menggunakan mix methods dengan jenis deskriptif-eksploratif. Populasi 150 UMKM di Kota Bandung Jawa Barat, dengan 52 sampel yang telah mendapat pembiayaan melalui LKM dan telah beroperasi minimal 3 tahun. Analisis data menggunakan analisis deskriptif, analisis SWOT, IFAS dan EFAS.Hasil penelitian menunjukkan model pembiayaan belum sepenuhnya sesuai harapan pelaku UMKM, diantaranya prosedur pembiayaan dipersepsikan  rumit dan bunga masih tinggi, sehingga pelaku UMKM masih banyak yang mengandalkan modal sendiri dalam membiayai usahanya.  Berdasarkan temuan penelitian, maka model pembiayaan kooperatif dipersepsikan cocok untuk UMKM, dimana LKM  menjadi lebih optimal menjalankan perannya sebagai fasilitator pengelolaan keuangan, manajemen, dan pemasaran dengan melibatkan jaringan usaha dan komunitas. LKM lebih menjangkau UMKM sehingga mudah diakses, prosedur lebih sederhana, dan memberikan tawaran bunga lebih murah melalui pemanfaatan program pemerintah dan lembaga keuangan lain yang terkait.
Hydroponic: Empowering Local Farmer Knowhow to Gain Value Added on Agriculture Commodity Suryaningprang, Andre; Suteja, Jaja; Mulyaningrum, Mulyaningrum; Herlinawati, Erna
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 1 (2021): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i1.1676

Abstract

The agricultural sector is one of the potential commodities in business at domestic and abroad, local farmers in the West Java area are trying to run the best farming system that is adapted to market needs. Conventional farming systems that require large tracts of land, the availability of farmer labor and the length of time for harvesting are obstacles for local farmers to expand their businesses and increase their production yields. A concept in the agricultural system that is different from conventional agriculture yet can be used by local farmers at this time is hydroponic farming. Hydroponic farming that uses water as a planting medium can be implemented anywhere such as urban areas because it does not require large tracts of land. One of the hydroponic techniques that is currently developing is the NFT or Nutrient Film Technique which can be applied in the highlands and lowlands. This system can provide quality harvests. The NFT system provides added value for farmers by increasing farmers' knowledge about the hydroponic farming system and increasing agricultural commodities produced, through this system the farmers can run their farming business on land that is not extensive in urban areas. The commodities produced are of high quality because they are environmentally friendly, with efficient fertilizer, water and the use of non-pesticide ingredients. In fact, this hydroponic system requires a large enough cost to purchase material, regardless of the greater quantity of harvest and shorter harvest time. Increasing the quality and quantity of agricultural products encourage local farmers to run a hydroponic system in meeting market needs so that they have high economic value and can improve the welfare of local farmers.
Pengaruh CR, QR, DER dan TATO terhadap ROA PT Pyridam Farma Tbk Periode 2012-2021 Fany Oktaviani; Andre Suryaningprang; Erna Herlinawati; Yoyo Sudaryo
Journal Of Business, Finance, and Economics (JBFE) Vol 3, No 2 (2022): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v3i2.3474

Abstract

The purpose of this research is to find out how the effect of “Debt to Equity Ratio (DER)”, “Total Asset Turnover (TATO)”, “Current Ratio (CR)”, and “Quick’Ratio (QR)” on “Return On Asset (ROA)”. One of the pharmaceutical manufacturing companies, namely PT Pyridam Farma Tbk, is the company used in this study. Purpose Sampling is used to collect samples to be used. This study used descriptive and verification techniques, quantitative secondary data, and documentation techniques which were accessed through the company's official website respectively. This study uses descriptive analysis, classical assumption test, regression analysis, analysis of the coefficient of determination, and hypothesis testing (t-test and F-test) to answer the problem formulation. Based on the findings of partial hypothesis testing (t-test), the CR and QR affect ROA, while the DER and TATO do not. If the CR, QR, DER and TATO affect ROA of 82.7% and the remaining 17.3% is influenced by factors other or external factors, the results of simultaneous hypothesis testing (Test F) can be concluded.
Pengaruh CR, DER, TATO, dan ROA Terhadap PBV Pada PT Indomobil Sukses Internasional Tbk Kaniasari Wulan Dewi; Erna Herlinawati; Andre Suryaningprang; Yoyo Sudaryo
Journal Of Business, Finance, and Economics (JBFE) Vol 3, No 2 (2022): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v3i2.3476

Abstract

Firm value is significant since it is thought to impact investors' perceptions of the firm. The purpose of this research is to examine the impact of the Current Ratio (CR), Debt to Equality Ratio (DER), Total Asset Turnover (TATO), and Return on Assets on the Price to Book Value (PBV) at PT Indomobil Sukses Internasional Tbk from 2012 to 2021. The quantitative research technique was applied, using a descriptive and verification approach. Purposive sampling is used in this approach. Following the application of the classical assumptions, multiple regression analysis, coefficient of determination analysis, and hypothesis testing were performed. The findings revealed that CR, TATO, and ROA had a substantial beneficial influence on PBV, but DER had a negative effect on PBV. Simultaneous test results demonstrate that CR, DER, TATO, and ROA have a considerable impact on PBV, accounting for 94.1% of the total, with the remaining 5.9% affected by other variables.
Pengaruh Likuiditas, Solvabilitas dan Aktivitas Terhadap Kondisi Profitabilitas Pada PT Pan Brothers Tbk Nurshifa Putri Irawan; Erna Herlinawati; Andre Suryaningprang; Yoyo Sudaryo
Journal Of Business, Finance, and Economics (JBFE) Vol 3, No 2 (2022): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v3i2.3477

Abstract

The study aims to determine the impact of liquidity, solvency and activities on PT Pan Brothers Tbk's profitability for the period 2012-2021. The method used is a quantitative method with descriptive and confirmatory approaches. Data collection techniques using documented methods. The sampling technique used was targeted sampling. The data analyzes used are descriptive analysis, classical hypothesis testing, multiple regression analysis, correlation analysis, certainty analysis, and hypothesis testing. The results are as follows. 1) Liquidity (CR) is partially unaffected and not material to profitability (ROA). 2) Solvency (DER) is partially unaffected and not material to profitability (ROA). 3) Activity (TATO) has partial impact. Impact on Profitability (ROA) 4) Liquidity (CR), Solvency (DER) and Activity (TATO) all have a significant impact on profitability (ROA).
Analysis of business development using a business model canvas approach Ratna Ningsih; Fanji Wijaya; Erna Herlinawati
Junal Ilmu Manajemen Vol 6 No 1 (2023): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v6i1.208

Abstract

The purpose of this study is to analyze the development business with Business Model Canvases approach of Carita Weddings Organizer at Bandung. The method of this study used descriptive qualitative method. Process acquisition data conducted with interviewed with owner and employee Carita Weddings Organizer. The results of this study proved that Carita Weddings Organizer already own framework nine element Business Model Canvases (BMC) which becomes reference in operate business, however there is still lack in optimizing BMC which where researcher adopt analysis SWOT (Strengths, Weaknesses, Opportunities, and Threats) for analyze development business with approach business Model Canvases of Carita Weddings Organizer at Bandung.
THE MODEL FOR IMPROVING BUSINESS PERFORMANCE USING MICROFINANCIAL INSTITUTIONS AND ENTREPRENEURSHIP COMPETENCIES Erna Herlinawati; Riyandi Nur Sumawidjaja; Yoyo Sudaryo; Rama Chandra Jaya; Gurawan Dayona Ismail
Sosiohumaniora Vol 25, No 1 (2023): Sosiohumaniora: Jurnal Ilmu-Ilmu Sosial dan Humaniora, MARCH 2023
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/sosiohumaniora.v25i1.44707

Abstract

This paper will assess & present empirical evidence on the issue in order to better understand how Microfinance Institutions (MFIs) mediate entrepreneurial talents. The role of MFIs is evaluated based on their functions as a source of finance, facilitators for financial management, managerial management, and marketing management. Sales growth, profit growth, asset growth, employee growth, and market share growth are all ways to gauge a company’s performance. While entrepreneurial ability is assessed using technical, marketing, financial, and interpersonal abilities. The research approach is explanatory, with data collected through questionnaires and interviews. A sample of 150 SMEs sampled the population of 34,816 SMEs in West Java’s Greater Bandung region, Indonesia, using a proportionate random sampling approach. Structural Equation Modeling and a 5-point Likert scale were used to analyze the data collected (SEM). According to the findings, microfinance institutions can help businesses succeed by a small but significant amount. Business performance is positively and significantly impacted by entrepreneurial talents. The MFIS’s significance in influencing entrepreneurial skills expands in relation to corporate performance.
Pengaruh Harga dan Kualitas Produk terhadap Minat Beli Produk Yamaha N-Max (Studi : Yamaha Istana Motor Kuningan) Mohamad Ilham Nurul Kamalin; Palupi Permata Rahmi, S.P., M.Si; Dr. Erna Herlinawati, S.E., M.Si
JUDICIOUS Vol 4 No 1 (2023): Judicious
Publisher : Neolectura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37010/jdc.v4i1.1262

Abstract

In the past, motorcycles were included in secondary goods, but in the present era, motorcycles are included in primary goods. This is because motorbikes are a necessity that must be met and must be owned by every individual. Primary needs are the basic needs needed by humans. While the secondary needs are the needs to complement the primary needs themselves. Tertiary needs in general are needs that are fulfilled to express the social status of the individual. This study aims to determine the effect of price and product quality on buying interest in Yamaha N-Max products at Yamaha Istana Motor Kuningan. The population in this study is infinite and 96 respondents as a sample using Non-Probability Sampling with Purposive Sampling technique. The analysis used includes validity test, reliability test, classical assumption test, multiple regression analysis, correlation coefficient, coefficient of determination and hypothesis testing. The results of the descriptive analysis show that the purchase intention is not good, the price is not good, and the quality of the product is considered not good. Based on the results of partial hypothesis testing (t test) shows that price has an effect on buying interest, product quality also has a partial effect on buying interest. The contribution of the variable Price and Product Quality is 39.3% and 17.3% and the remaining 43.4% is influenced by other factors. Simultaneously Price and Product Quality influence Purchasing Decisions, have a strong relationship and contribute 77.8%.
Pengaruh Kualitas Produk dan Harga terhadap Minat Beli Ulang pada Kerupuk Rambak NSR Bandung Muhamad Sidik Ramdhan; Palupi Permataa Rahmi SP., M.Si; Dr. Erna Herlinawati, S.E., M.Si
JUDICIOUS Vol 4 No 1 (2023): Judicious
Publisher : Neolectura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37010/jdc.v4i1.1264

Abstract

Competition in the business world has recently experienced very rapid development in line with developments in the globalization era. This can be seen from the increasing level of competition in the business world in marketing its products and services to consumers. Business people compete in marketing their products to be known and in demand by their consumers. This study aims to determine the effect of product quality and price on the intention to repurchase Crackers Rambak NSR Bandung. The research method used is descriptive and verification methods with a quantitative approach. The sampling technique used in this research uses probability sampling with simple random sampling technique with the study population consisting of 100 respondents determined using the slovin formula. The analysis used includes validity test, reliability test, classical assumption test, multiple regression analysis, correlation coefficient, coefficient of determination and hypothesis testing. Repurchase intention is descriptively considered not good, descriptive quality is considered not good and price is considered not good. The results of the verification analysis of Product Quality on Repurchase Intention have a strong correlation, a determination value of 21.3% and Price has an effect on Repurchase Intention. Product Quality on Repurchase Interest has a very strong correlation value. The determination value is 51.7% and product quality affects purchase intention. Simultaneously Product Quality and Price affect Repurchase Intention, have a strong relationship and contribute 70.0%.
STRATEGI PENGEMBANGAN BISNIS PADA KELOMPOK KERAMBA IKAN (STUDI PADA KELOMPOK KERAMBA BAMBU IKAN DI KECAMATAN SUKAJADI KOTA BANDUNG) Fanji Wijaya; Asti Nur Aryanti; Erna Herlinawati
AdBispreneur : Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausahaan Vol 8, No 1 (2023): AdBispreneur : Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausa
Publisher : Departemen Ilmu Administrasi Bisnis, Fakultas Ilmu Sosial dan Ilmu Politik, UNPAD

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/adbispreneur.v8i1.41180

Abstract

The purpose of this study is to design a design-oriented innovation strategy for the Fish Cage Group by formulating a strategy to be able to assist in generating opportunities. The method used in this study is a qualitative method with a case study approach. The researcher conducted interviews with nine key informants who were considered most knowledgeable about the business situation in the Bamboo Fish Cages Group by distinguishing them as core administrators of the cage groups, still active in group management, who owned bamboo fish cages and were directly involved in the cultivation of fish bamboo cages. The design of the IFE Matrix, EFE Matrix, and QSPM Matrix is used to design a business strategy that identifies several factors of opportunities, threats, strengths and weaknesses as key factors in business development. Based on the results of the Internal and External (IE) Matrix assessment, the Cage Fish Group is in cell V position. The steps that must be taken are market penetration and product development with the aim of avoiding a decline in sales and loss of profits. Cages Group can expand markets, production facilities, and utilize technology to carry out marketing. The first step to developing a business is to understand the formulation of the right strategy.Tujuan penelitian ini merancang strategi inovasi berorientasi desain kepada Kelompok Keramba Ikan dengan merumuskan strategi untuk dapat membantu dalam menghasilkan peluang. Metode yang digunakan pada penelitian ini adalah metode kualitatif dengan pendekatan studi kasus. Peneliti melakukan wawancara kepada sembilan orang informan kunci yang dianggap paling mengetahui situasi bisnis pada Kelompok Keramba Bambu Ikan dengan kriteria merupakan pengurus inti kelompok keramba, masih aktif dalam kepengurusan kelompok, mempunyai keramba bambu ikan serta terlibat langsung dalam budidaya keramba bambu ikan. Perancangan Matriks IFE, matriks EFE, dan matriks QSPM digunakan untuk merancang strategi bisnis mengidentifikasi beberapa faktor peluang, ancaman, kekuatan dan kelemahan sebagai faktor kunci dalam mengembangan bisnis. Berdasarkan hasil penilaian Matriks Internal dan Eksternal (IE) Kelompok Ikan Keramba berada pada posisi sel V langkah yang harus dilakukan yaitu penetrasi pasar dan pengembangan produk dengan tujuan menghindari penurunan penjualan dan kehilangan profit. Kelompok Ikan Keramba dapat memperluas pasar, fasilitas produksi, dan memanfaatkan teknologi untuk melakukan pemasaran. Langkah awal untuk mengembangkan bisnis dengan memahami perumusan strategi yang tepat.