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All Journal Jurnal Ekonomi Modernisasi JURNAL KEBANGSAAN Jurnal Sosioteknologi Asia-Pacific Management and Business Application Jurnal Bisnis dan Manajemen Agregat: Jurnal Ekonomi dan Bisnis JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Technomedia Journal Journal of Secretary and Business Administration OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi JIKA: Jurnal Ilmu Keuangan dan Perbankan Almana : Jurnal Manajemen dan Bisnis The International Journal of Business Review (The Jobs Review) eCo-Buss Jurnal E-Bis: Ekonomi Bisnis JIIP (Jurnal Ilmiah Ilmu Pendidikan) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Jurnal Ekonomi Majalah Bisnis & IPTEK JDEP (Jurnal Dinamika Ekonomi Pembangunan) Jurnal ADAM : Jurnal Pengabdian Masyarakat Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Social Science Utilizing Technology

Budi Rustandi Kartawinata

Universitas Telkom

Author-ID : 1911423

Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI INTENSITAS PENGGUNAAN KREDIT PERBANKAN OLEH USAHA MIKRO, KECIL, DAN MENENGAH (STUDI KASUS UMKM WILAYAH PESISIR BANTEN) Putra, Syah; Rustandi Kartawinata, Budi; Wardhana, Aditya
JURNAL KEBANGSAAN Vol 5, No 9 (2016): JURNAL KEBANGSAAN
Publisher : JURNAL KEBANGSAAN

Show Abstract | Download Original | Original Source | Check in Google Scholar

Usaha Kecil dan Menengah (UKM) di Indonesia memberikan kontribusi bagi kesempatan kerja untuk masyarakat, dan meningkatkan PDB. Ddengan jumlah penduduk yang besar dan perusahaan besar yang sedikit, maka kesempatan kerja yang ada dapat terserap oleh UKM. Data statistik yang ada menunjukkan bahwa pada tahun 2000, lebih dari 66 juta orang bekerja di Usaha Kecil, atau sekitar 99,44 % dari jumlah kesempatan kerja yang ada di Indonesia. Untuk PDB, UKM menyumbang sekitar 40 % dari total pembentukan PDB di Indonesia. Tujuan dari penelitian ini, untuk menganalisis pengaruh pengalaman usaha Usaha Mikro, Kecil dan Menengah (UMKM), tingkat pendidikan pemilik UMKM, skala usaha UMKM, karakteristik dan pola pembiayaan, kepercayaan dan komitmen terhadap intensitas penggunaan dana kredit perbankan. Objek Penelitian ini dalah pemilik UMKM di pesisir wilayah pesisir Banten, dengan sampel 100 orang, dengan pendekatan analisis regresi berganda. Hasil penelitian membuktikan Pengalaman usaha, tingkat pendidikan, skala usaha, karakteristik dan pola pembiayaan, kepercayaan dan komitmen berpengaruh secara simultan terhadap tingkat intensitas penggunaan dana. Keywords : Intensitas Penggunaan Kredit, Perbankan, UMKM

STRATEGI BERSAING JASA NON KLASIFIKASI PADA PT BIRO KLASIFIKASI INDONESIA Wardhana, Aditya; Kartawinata, Budi Rustandi; Syahputra, Syahputra
Jurnal Ekonomi Modernisasi Vol. 12 No. 2 (2016): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Kanjuruhan Malang

The purpose of this study was to compete formulating global strategy PT Biro Klasifikasi Indonesia (BKI) in non-classification marine services business (independent assurance) in Indonesia that includes three business sector such as marine, industry, and energy. The methodology used the analytical descriptive method with techniques SWOT analysis. The number of population as many as 5.248 companies, the target population was the BKI non-classification customers (non-klas) or independent assurance in all three business sector susch as marine, industry, and energy. The determination of the total sample using Slovin formulas with the levels of trust 95 % obtained the total sample as many as 400 respondents. The research results showed that based on a position map of non-classification services business,Â BKI was on strategic rapid growth. BKI increased the number of a new job, increased new consumer on the non-classification services (independent assurance) in all business sectors, and focused on the type of non-classification service business certain having the the highest value income for BKI.

Analisis Non Performing Loan (NPL) Pada Bank Pembangunan Daerah Yang Terdaftar Di Bursa Efek Indonesia Sebelum Dan Selama Pandemi Covid-19 Aldi Akbar; Karyadi; Budi Rustandi Kartawinata
Jurnal E-Bis (Ekonomi-Bisnis) Vol 5 No 1 (2021)
Publisher : Politeknik Dharma Patria Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37339/e-bis.v5i1.537

Pandemi Covid-19 yang menerpa Indonesia sangat berdampak pada berbagai sektor tak terkecuali jasa keuangan khususnya perbankan. Salah satu indikator yang digunakan dalam mengukur kinerja perbankan adalah non performing loan (NPL). Penelitian ini bertujuan untuk mengetahui kinerja bank pembangunan daerah yang terdaftar di Bursa Efek Indonesia terkait dampak pandemi Covid-19 menggunakan proxy NPL. Hasil penelitian menunjukkan bahwa bank pembangunan daerah pun ikut terdampak imbas dari pandemi Covid-19 ini yang mana NPL tiap bank cenderung bertambah dibandingkan sebelum pandemi Covid-19. Penelitian ini juga menghasilkan temuan lain dari sisi mikroekonomi berupa perbandingan NPL dengan ROA serta dari sisi makroekonomi berupa perbandingan NPL dengan inflasi, pertumbuhan PDB dan Tingkat Pengangguran Terbuka.

The Influence of Consumer Behavior and Product Quality on Consumer Decision Making in Choosing Funds as a Financial Technology Mobile Payment Application Agung Raya; Budi Rustandi Kartawinata
Agregat: Jurnal Ekonomi dan Bisnis Vol. 5 No. 2 (2021)
Publisher : Universitas Muhammadiyah Prof. DR HAMKA.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/agregat_vol5/is1pp78-96

As technology advances and becomes more sophisticated, consumer behavior patternss shift. The presence of such events stimulates diverse corporate industries to compete in order to develop innovation. Businesses in the field of financial technology also use it (Fintech). DANA is a mobile payment application that supports ATM cards for online purchases. Despite the fact that DANA is a new program, it is capable of adapting fast in order to attract users. DANA has proven to be the third most popular app in Indonesia, with the most users and the most downloads. The goal of this research is to analyse the influence of customer behavior and product quality on the selection to use DANA as a mobile payment application. This type of research is quantitative by using descriptive data analysis techniques that use multiple linear hypothesis models with a total of 400 research samples. The results obtained from this study that consumer behavior and quality productx have a significant and positive effect on partial (individual) decision making.As for the results of simultaneous testing (collectively) on consumer behavior and product quality to consumer decision making in choosing DANA as a mobile payment application has a significant effect and the results are accepted.

Indonesian Private University Students’ Entrepreneurial Intention Mahir Pradana; Budi Rustandi Kartawinata
APMBA (Asia Pacific Management and Business Application) Vol 9, No 2 (2020)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2020.009.02.3

The study focuses on the entrepreneurship education at a private business school in Indonesia due to the accelerate impact through the country economy that by implementing entrepreneurship education, one of the factors driving entrepreneurial growth in a country is the higher education institutions' role. The study took places at Telkom University, Indonesia, by surveying 458 business school students. The data analysed using a path analysis technique with SmartPLS ver. 3. Our result shows that the factors affecting entrepreneurial orientation show significant and positive effects which eventually cause a similar effect on entrepreneurial intention. Therefore, higher education institutions, especially business schools, should consider these factors as driving forces towards entrepreneurial intention. Practical implications for the development of the entrepreneurship curriculum also drawn in this study.

CULINARY MSME CONSUMERS’ ATTITUDE TOWARD HALAL LABEL: ITS EFFECT ON PURCHASING DECISION Mahir Pradana; Budi Rustandi Kartawinata; Dyah Maharani; Mahendra Fakhri; Hiendra Kurniawan
Jurnal Sosioteknologi Vol. 20 No. 1 (2021): April
Publisher : Fakultas Seni Rupa dan Desain ITB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5614/sostek.itbj.2021.20.1.6

This research is a study on halal consumer behavior, which consists of empirical results from various Micro, Small, and Medium Enterprises (MSME)s in Bandung, Indonesia. Data were collected from 161 muslim tourists who have experiences visiting Bandung, West Java, Indonesia, and consuming culinary products produced by MSMEs in the city. Simple linear regression method was applied to evaluate the relation between consumers’ attitude and purchase decisions. This research aims to provide deeper understanding on the effect of tourists’ attitude towards the halal label and purchase decision, seen from the perspective of muslim consumers who have experiences in consuming the food products by Micro, Small, and Medium Enterprises (MSME)s in Bandung, Indonesia. This study reveals that attitude towards halal label is an important factor affecting consumers’ halal food purchase decision.

PENGARUH FINANCIAL SOCIALIZATION DAN FINANCIAL EXPERIENCE TERHADAP FINANCIAL MANAGEMENT BEHAVIOR Annisa Safitri; Budi Rustandi Kartawinata
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol 9 No 2: Juni 2020
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v9i2.2987

The purpose of this study was to determine the financial management behavior of employed women in Bandung. This research uses a quantitative method and a Likert scale for measurement scale. The sample of this study was 400 respondents who are employed women in Kota Bandung were selected using incidental sampling techniques. The independent variable consists of financial socialization and financial experience, while the dependent variable is financial management behavior. The data analysis technique in this research is Structural Equation Modeling-Partial Least Square (SEM-PLS) using SmartPLS software. The results of financial socialization on financial management behavior has a tstatistics value of 25.220> ttabel value of 1.96 means that the financial socialization variable has a positive and significant effect on financial management behavior, then the financial experience on financial management behavior has a tstatistics value of 1.641 < ttabel value of 1.96 means that the financial experience does not have a positive and significant effect on the financial management behavior variable. Keywords: Financial Socialization, Financial Experience, Financial Management Behavior ABSTRAK Penelitian ini bertujuan untuk mengetahui financial management behavior dari Wanita Bekerja di Kota Bandung. Penelitian ini menggunakan metode kuantitatif dan skala likert sebagai skala pengukuran. Sampel yang digunakan dalam penelitian ini sebanyak 400 responden yang merupakan Wanita Bekerja di Kota Bandung yang dipilih menggunakan teknik incidental sampling. Variabel independen terdiri dari financial socialization dan financial experience, sedangkan variabel dependen adalah financial management behavior. Penelitian ini menggunakan teknik analisis data Structural Equation Modeling- Partial Least Square (SEM-PLS) menggunakan software SmartPLS. Hasil penelitian menunjukkan financial socialization terhadap financial management behavior memiliki nilai memiliki pengaruh positif dan signifikan terhadap financial management behavior dengan tstatistik sebesar 25,220> nilai ttabel sebesar 1.96, kemudian variabel financial experience tidak berpengaruh positif dan signifikan terhadap financial management behavior dengan nilai tstatistik sebesar 1,641< nilai ttabel sebesar 1.96. Kata Kunci: Financial Socialization, Financial Experience, Financial Management Behavior

The Influence of Consumer Behavior and Product Quality on Consumer Decision Making in Selecting Dana as Financial Technology Mobile Payment Application Agung Raya; Budi Rustandi Kartawinata
Almana : Jurnal Manajemen dan Bisnis Vol 6 No 1 (2022): April
Publisher : Program Studi Manajemen, Fakultas Ekonomi, Universitas Langlangbuana

As technology advances and becomes more sophisticated, consumer behavior patterns shift. The presence of such events stimulates diverse corporate industries to compete to develop innovation. Businesses in the field of financial technology also use it (Fintech). DANA is a mobile payment application that supports ATM cards for online purchases. Although DANA is a new program, it is capable of adapting fast to attract users. DANA has proven to be the third most popular app in Indonesia, with the most users and the most downloads. The goal of this research is to analyze the influence of customer behavior and product quality on the selection to use DANA as a mobile payment application. This type of research is quantitative by using descriptive data analysis techniques that use multiple linear hypothesis models with a total of 400 research samples. The results obtained from this study that consumer behavior and quality product have a significant and positive effect on partial (individual) decision making. As the results of simultaneous testing (collectively) on consumer behavior and product quality to consumer decision making in choosing DANA as a mobile payment application has a significant effect and the results are accepted.

Penyuluhan Peer To Peer Lending Secara Daring (Ketahui Seluk Beluk Pinjaman Online) Aldi Akbar; Budi Rustandi Kartawinata; Agus Maolana Hidayat; Mahir Pradana
JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Vol 3 No 1 (2022)
Publisher : Politeknik Piksi Ganesha Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37339/jurpikat.v3i1.807

Peer to peer lending atau pinjaman online merupakan salah satu bentuk teknologi finansial berupa marketplace yang mempertemukan pihak yang membutuhkan dana dengan pihak yang memberikan dana. Kemudahan yang diberikan mendapat antusiasme dari banyak pihak, namun demikian melalui kegiatan pengabdian masyarakat ini perlu kiranya mengedukasi siswa dan guru/ tenaga pendidik SMA PGRI Cikampek sebagai masyarakat sasar guna meningkatkan literasi keuangan terkait layanan yang ditawarkan oleh perusahaan pinjaman online. Metode yang digunakan berupa penyuluhan, simulasi dan diskusi interaktif yang disajikan secara daring pada tanggal 24 Desember 2021. Selama kegiatan, mendapat antusiasme tinggi dan respon positif dari para peserta dan mereka menjadi lebih paham dan bersikap lebih bijak dalam menyikapi setiap ada tawaran pinjaman online.

Comparative Analysis of Cryptocurrency in Forms of Bitcoin, Stock, and Gold as Alternative Investment Portfolio in 2014 – 2017 Radinka Dynand Mahessara; Budi Rustandi Kartawinata
Jurnal Sekretaris dan Administrasi Bisnis Vol 2 No 2 (2018): Jurnal Sekretaris dan Administrasi Bisnis
Publisher : Akademi Sekretari Manajemen Taruna Bakti

This research is based on the phenomenon of new investment instrument called Cryptocurrency-Bitcoin which becomes popular in recent years. Based on that phenomenon, this research tries to search which is the best investment instrument from three instruments such as Bitcoin, stocks, and gold. The research method used is quantitative method with the type of research is comparative descriptive. In this study, the authors use Sharpe, Treynor and Jensen index approach to evaluate the performance. This study intends to do a comparison from the index using the data of the investment instrument in the period of January 2014 to August 2017. The study sample was taken from price result from every investment instrument during the period of study. The result shows that Bitcoin is the best instrument because based on Sharpe, Treynor, and Jensen value the return is better than the other two instruments.

Co-Authors Aditya Wardhana Aditya Wardhana Agung Raya Agung Raya Agus Maolana Hidayat Ahmad Maulana Lotian Aldi Akbar Aldi Akbar Annisa Safitri Arief Hidayat Bagus Novrianto Candra Wijayangka Dyah Maharani Dyah Maharani Farida Fajar Hidayati Hanansa R Dabinda Hidayati, Farida Fajar Hidayati, Farida Fajar Hiendra Kurniawan Jasinda Salsabila Nugrahani Karyadi Mahendra Fakhri Mahir Pradana Muhammad Hasan Rabbani Muhammad Ikhwan Mubaraq Nidia Ananda Mutiara Nur Wijayanti Nur Wijayanti Radinka Dynand Mahessara Salma Aprilia Syah Putra, Syah Syahputra Syahputra Syahputra Syahputra Theresia Yolaika Siahaan Treshya Setya Maharani

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