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All Journal JURNAL RELASI STIE MANDALA JEMBER UNEJ e-Proceeding IJEBD (International Journal Of Entrepreneurship And Business Development) Jurnal Manajemen Wiga : Jurnal Penelitian Ilmu Ekonomi Jurnal Ilmu Manajemen Advantage Assets : Jurnal Ilmiah Ilmu Akuntansi, Keuangan dan Pajak Empowerment Society Relasi : Jurnal Ekonomi
Hesti Budiwati
Sekolah Tinggi Ilmu Ekonomi Widya Gama Lumajang
Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Social Sciences

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PENDEKATAN LEAN SIX SIGMA DALAM PENENTUAN PRIORITAS PERBAIKAN LAYANAN BANK BERDASARKAN PERSEPSI, HARAPAN DAN KEPENTINGAN NASABAH Budiwati, Hesti
Jurnal Manajemen Vol 21, No 1 (2017): February 2017
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (142.6 KB) | DOI: 10.24912/jm.v21i1.144

Abstract

This research have a purpose to determine of improvement priority of banking services base on perception, expectation and interest level of the customer using lean sig sigma approach.  The result of this research are expected to give the contribute for the bank manager. This research will determine to recovery priority of service quality of the bank consisted of (1) effectiveness and assurance, (2) access, (3) price, (4) tangible, (5) service portofolio and (6) reliability. This research using lean sig sigma approach, to doing the calculation unwighted gap and weighted gap above the response of  respondent base on perception, exspectation and interest level of the customer above the response of the responden base on perception, exspectation and interest level of the customer above servive quality of the bank. The population of this research is all active customera at PT. BPR Arta Centra Asia Lumajang, and sample of this research is taken as 120 customer as respondent. The result of this research showing at 3 (three) main priority of the recovery quality service of the bank that is dimension to reliability for the item the dont have a mistake in providing service, the dimension of the effectiveness is no delay because the birocation and procedure and service quickly. The next future this research are exspected to give the contribution to development of the study management science, especially for marketing management service, so it can be a reference for the similiarity of research and advance research.
Analisis Rasio Keuangan Camel Terhadap Prediksi Kepailitan: Bank Umum Swasta Nasional di Indonesia Periode 2004 – 2007 Budiwati, Hesti
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 1 No. 2 (2011): September 2011
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (157.011 KB) | DOI: 10.30741/wiga.v1i2.50

Abstract

The challenge of the banking sector in the future will be more severe, most of which are perceived as a failure of risk management in managing risk can lead to bankruptcy. CAMEL financial ratio analysis can be used as an early warning system of bankruptcy. The purpose of this study are: 1) to obtain empirical evidence regarding differences in financial ratios simultaneously CAMEL significant between bankrupt and insolvent banks, 2) to obtain empirical evidence regarding differences in financial ratios partially CAMEL significant between bankrupt and insolvent banks, 3) to obtain empirical evidence regarding the dominant CAMEL financial ratio in differentiating the bank bankrupt and not bankrupt and 4) to determine the ability of the prediction of several variables distinguishing the CAMEL financial ratios in predicting bankruptcy. Based on the purpose of this study include explanatory research to test the ability of CAMEL financial ratio of CAR, KP, APYD, APYDAP, NPA, PPAP, ROA, ROE, NIM, BOPO, the FBI and the LDR, in predicting bankruptcy in the National Private Banks in Indonesia period 2004 to 2007. The financial statements are used for bank bankruptcy is a two-year financial statements before the bankruptcy, while for banks that do not fit with the bankrupt bank's financial reporting period of bankruptcy. Analysis tools used to test the hypothesis is discriminant analysis using the direct method. The results showed: 1) CAMEL financial ratio to simultaneously have a significant difference between bankrupt and insolvent banks, 2) CAMEL financial ratio that have significant differences between the bank's partial bankruptcy and no bankruptcy is PPAP, ROE, NIM, BOPO and LD, 3 ) CAMEL financial ratio in the aspect of profitability (earnings) ratio of the NIM is the dominant bank in distinguishing bankrupt and not bankrupt, 4) The prediction of several variables distinguishing the CAMEL financial ratio can be used to accurately predict bankruptcy and stable. Other results obtained from this research is by using a model of the cut-off point, the discriminant function generated by CAMEL financial ratio to predict bank is able to distinguish who is in financial trouble.
Implementasi Marketing Mix Dan Pengaruhnya Terhadap Keputusan Pembelian Konsumen Pada Produk Unggulan Keripik Pisang Agung Di Kabupaten Lumajang Budiwati, Hesti
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 2 No. 2 (2012): September 2012
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (332.924 KB) | DOI: 10.30741/wiga.v2i2.68

Abstract

Pengembangan strategi pemasaran yang benar sepanjang waktu memerlukan kedisiplinan, fleksibelitas dan keberlanjutan. Pemasaran juga harus selalu meningkatkan strategi untuk sejumlah produk dan jasa di dalam organisasinya. Memasarkan kebutuhan dan keinginan konsumen adalah inti dari pemasaran. Sasaran dari setiap bisnis adalah menghantarkan nilai pelanggan untuk menghasilkan laba. Strategi pemasaran adalah logika pemasaran yang dilaksanakan dengan harapan bahwa unit bisnis akan mencapai sasaran pemasaran. Strategi pemasaran ini terdiri dari strategi spesifik untuk pasar sasaran, penentuan posisi produk, bauran pemasaran dan tingkat pengeluaran pemasaran. Strategi pemasaran yang baik dan tepat merupakan fakor penting, karena strategiberpengaruh langsung terhadap kelancaran dan keberhasilan dalam penguasaan pasar. Analisa terhadap strategi pemasaran yang efektif dapat berguna sebagai alat untuk mengetahui kekuatan dan kelamahan yang dimiliki oleh suatu perusahaan, sehingga perusahaan dapat memperbaiki kelemahan dan meningkatkan kekuatan yang dimilikinya. Strategi pemasaran tersebut juga harus mampu menghadapi tantangan perubahan lingkungan dan strategi pemasaran tersebut mampu menghadapi persaingan yang semakin ketat di pasaran.
Analisis Non Performing Assets Dan Loan To Deposits Ratio Serta Pengaruhnya Terhadap Net Interest Margin Sebagai Indikator Spread Based Pada Bank Umum Swasta Nasional Di Indonesia Periode 2004 – 2007 Budiwati, Hesti; Jariah, Ainun
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 2 No. 2 (2012): September 2012
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (317.875 KB) | DOI: 10.30741/wiga.v2i2.77

Abstract

Pertumbuhan bank swasta nasional di Indonesia yang cukup pesat sejak tahun 1980, telah meningkatkan peran sektor perbankan yang semula hanya memobilisasikan dana masyarakat menjadi sektor yang sangat berpengaruh bagi perekonomian Indonesia secara komprehensif. Tetapi perkembangan yang pesat tersebut tidak diimbangi dengan penerapan prinsip kehati-hatian atau prudential banking, sehingga sejak akhir tahun 1990 terjadi masalah yang cukup besar dalam sektor perbankan dimana secara terpaksa otoritas moneter harus melikuidasi bank-bank dalam kondisi bermasalah yang sudah tidak dapat diselamatkan lagi.
Identifikasi Sumber Stres Tenaga Pengajar Dan Pengaruhnya Terhadap Kinerja Dosen Di STIE Widya Gama Lumajang Budiwati, Hesti
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 6 No. 1 (2016): Maret 2016
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (561.622 KB) | DOI: 10.30741/wiga.v6i1.95

Abstract

This study aims to identify the sources of stress that affect the performance faculty lecturer at STIE Widya Gama Lumajang and to obtain empirical evidence on the effect of the source of significant stress teaching staff partially and simultaneously on the performance of STIE Widya Gama Lecturer in Lumajang. The results of this study are expected to contribute to the management and Lecturers STIE Widya Gama Lumajang. This study measured the stress source faculty comprised of tasks, roles, conflicts between departments, remuneration and recognition, occupation or profession and measure its effect on the performance of Lecturer. The study population was Lecturer in STIE Widya Gama Lumajang, and taken a sample of 30 lecturers from the Department of Management and Accounting. Data were analyzed using multiple linear regression analysis. Hypothesis testing is done partially and simultaneously. The results showed that in partial assignments, conflicts between departments, remuneration and recognition, occupation or profession. While the role tidka variables affect the performance of lecturers. Simultaneously source of stress lecturer significant effect on performance. The coefficient of determination (R square) of 0.418 or 41.8% mean stress variables faculty able to explain its influence to change the performance variables and the remaining 58.2% is explained by other variables. Further research is expected to contribute in the development of management science studies, especially human resource management in a college environment, so it can be a reference for similar research and advanced research.
Hubungan Interaktif Penentuan Suku Bunga Simpanan Dengan Loyalitas Nasabah: Studi Kasus Pada Bank Perkreditan Rakyat di Kabupaten Lumajang Budiwati, Hesti
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 3 No. 2 (2013): September 2013
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (313.481 KB) | DOI: 10.30741/wiga.v3i2.105

Abstract

Penelitian ini merupakan penelitian asosiatif model hubungan interaktif atau reciprocal adalah hubungan yang saling mempengaruhi. Penelitian bertujuan untuk mendapatkan bukti adanya pengaruh penentuan suku bunga simpanan terhadap loyalitas nasabah dan sebaliknya pengaruh loyalitas nasabah terhadap penentuan suku bunga simpanan. Penelitian dilakukan pada nasabah Bank Perkreditan Rakyat di Kabupaten Lumajang. Penelitian ini melakukan pengujian terhadap hipotesis yang menyatakan terdapat pengaruh penentuan suku bunga simpanan yang signifikan terhadap loyaitas nasabah dan sebaliknya terdapat pengaruh loyalitas nasabah yang signifikan terhadap penentuan suku bunga simpanan. Hasil penelitian terhadap 80 responden menunjukkan terdapat pengaruh penentuan suku bunga simpanan yang signifikan terhadap loyaitas nasabah dan sebaliknya terdapat pengaruh loyalitas nasabah yang signifikan terhadap penentuan suku bunga simpanan. Fungsi regresi linier sederhana yang dihasilkan atas pengaruh penentuan suku bunga simpanan yang signifikan terhadap loyalitas nasabah adalah Y = 5,222 + 0,358 X dan fungsi regresi linier sederhana yang dihasilkan atas pengaruh loyalitas nasabah terhadap penentuan suku bunga simpanan adalah Y = 11,029 + 0,414 X. Hasil koefisien determinasi atas pengaruh penentuan suku bunga simpanan terhadap loyalitas nasabah sebesar 14,8% penentuan suku bunga simpanan dapat dijelaskan oleh loyalitas nasabah, sedangkan sisanya yaitu 85,2% loyalitas nasabah dipengaruhi oleh variabel-variabel lainnya yang tidak diteliti dalam penelitian ini. Hasil koefisien determinasi atas pengaruh loyalitas nasabah terhadap penentuan suku bunga simpanan sebesar 14,8% loyalitas nasabah dapat dijelaskan oleh penentuan suku bunga simpanan, sedangkan sisanya yaitu 85,2% penentuan suku bunga simpanan dipengaruhi oleh variabel-variabel lainnya yang tidak diteliti dalam penelitian ini. Keterbatasan penelitian ini adalah meneliti hubungan interaktif antara penentuan suku bunga simpanan dengan loyalitas nasabah yang hanya menggunakan satu variabel independen dan satu variabel dependen, sedangkan variabel lain yang saling mempengaruhi dengan menggunakan lebih dari satu variabel diharapkan dapat diteliti oleh peneliti selanjutnya.
Identifikasi Sumber Kepuasan Kerja Dan Pengaruhnya Terhadap Kinerja Petugas Unit Pengelola Kegiatan PNPM Mandiri Perdesaan Di Kabupaten Lumajang Kasno, Kasno; Budiwati, Hesti
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 6 No. 2 (2016): September 2016
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (551.12 KB) | DOI: 10.30741/wiga.v6i2.107

Abstract

This study aims to identify the source of job satisfaction and its effect partially or simultaneously on the performance of Activity Management Unit officer PNPM in Lumajang. Sources of job satisfaction were used in this study refers to the dimensions of job satisfaction include: (1) employment, (2) the conditions of employment, (3) salary, (4) co-workers, (5 ) the safety and security of employment , (6 ) supervision. Sources of job satisfaction will be tested influence either partially or simultaneously on performance. The population in this study is the Project Management Unit officer PNPM in Lumajang , with the number of samples taken as respondents by 37 respondents. Data were analyzed using multiple linear regression analysis. The results showed that only partially work variables that significantly influence the performance , while the variable conditions of employment , salary , co-workers, K3 and supervision no significant effect on performance. Simultaneously source of job satisfaction have a significant effect on performance. The coefficient of determination shows that the performance is influenced by 48.4 % performance can be explained by the variable of work , working conditions , salary , co-workers , occupational health and safety monitoring, while the remaining 51.6 % performance is influenced by other variables. Further research is expected to contribute in the development of management science studies , especially the management of human resources , so it can be a reference for similar research and advanced research
Penggunaan Rasio Keuangan Camel Untuk Memprediksi Kepailitan Dengan Discriminant Analysis Models Z Score: Studi Kasus Pada Bank Perkreditan Rakyat di Indonesia Budiwati, Hesti; Jariah, Ainun
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 4 No. 2 (2014): September 2014
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (317.476 KB) | DOI: 10.30741/wiga.v4i2.122

Abstract

The challenge of the banking sector in the future will be more severe, most of which are perceived as a failure of risk management in managing risk can lead to bankruptcy. “Bank Perkreditan Rakyat” became the object of this study because it has specific operational characteristics that allow it to reach and serve small and micro businesses and focus its services according to the needs of the community. The purpose of this study is to obtain empirical evidence about the differences in financial ratios simultan and partially eously CAMEL which is significant between bankrupt and not bankrupt banks. This research includes survey research. It is explanatory and predictive. The sample involves study sample totaled 43 BPR consisting of 6 BPR bankrupt banks and 37 BPR in the bank classified as a not bankrupt bank determined based on purposive sampling technique. The analytical tool used is discriminated analysis models used for Z score. The results showed that simultaneous CAMEL 7 financial ratios consisting of CAR, NPL, ROA, ROE, ROA, NIM and LDR have significant differences between banks bankrupt and not bankrupt, while partial insignificant is the ratio of NIM. ROA as an aspect ratio of earnings which become dominant variable in distinguishing banks bankrupt and not bankrupt. Simultaneously 7 (seven) CAMEL financial ratios used to predict bankrupt and not bankrupt influence the bankrupt of “Bank Perkreditan Rakyat” for 96.04%, while the remaining 3.96% is influenced by other factors outside the model. Other results obtained from this research is by using a model cut-off point, the discriminated function generated by CAMEL financial ratios to predict the bank is able to distinguish who is in financial difficulty.
Pengaruh Citra Bank dan Promosi Undian Ghendis Manis Terhadap Keputusan Petani Tebu Menabung di Bank: Studi Kasus Bank Rakyat Indonesia Kantor Cabang Lumajang Makruf, Umar; Budiwati, Hesti
Jurnal Ilmu Manajemen Advantage Vol. 1 No. 1 (2017): June 2017
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (357.848 KB) | DOI: 10.30741/adv.v1i1.23

Abstract

The study aims to knowed influence of bank image and promotion on gamling gendis manis to farming dicision to saving in Lumajang Branch office of BRI. Either partially of simultaneously. This research is quantitative research to find the associative relationship that are causal or the research to ask the question the relations between two or more variable and cause effect relation. The study aims to find evidence of the influence of bank image and promotion on saving decisions of Lumajang Barnch Office of Bank Rakyat Indonesia either partially or simultaneously. This study tested the hypothesis that there is a bank image effect on the saving decisions, there is promotion on saing decisions, and there is the influence of bank image and promotion to work simultaneously on the performance of employees at the National Narcotics Agency office Lumajang. The study, of 45 respondents using multiple linear regression analysis is the bank image there is an influence on saving decisions, there is work promotion on saving decisions, and there is the influence of bank image and promotion to work simultaneously on the decisions of saving at the Lumajang Barnch Office of Bank Rakyat Indonesia. Simple linear regression function generated is Y= 4,096 + 0,345X1 + 0,183X2. The coefficient of determination showed that 53,5 of saving decisions can be explained by the bank image and promotion t, while the remaining 46,5% of saving decisions is influenced by other variables not examined in this study.
Commercial Banks Versus BPR: Advantages Based On Perception, Hope And Customer Interest Budiwati, Hesti
Jurnal Ilmu Manajemen Advantage Vol. 1 No. 2 (2017): December 2017
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (545.331 KB) | DOI: 10.30741/adv.v1i2.191

Abstract

Commercial banks and Bank Perkreditan Rakyat are two different types of banks whose existence in society aims to raise and channel public funds to improve people's lives. The facts show that there is a sharp competition between the two types of banks in terms of gaining public trust to become bank customer but although these two types of banks are different but still able to develop well in society. This study aims to identify the factors that become competitive advantage at Commercial Banks and Bank Perkreditan Rakyat from the customer's point of view based on customers' perceptions, expectations and interests so banks can determine competitive strategy. The approach used in this research is Lean Six Sigma approach with a sample of 60 respondents consisting of 30 customers of Commercial Banks and 30 customers of Bank Perkreditan Rakyat. Respondents will be asked to respond to research instruments based on their perceptions, expectations and interests. The results of the study there are five competitive advantages in Commercial Banks (1) promotions made, (2) reward appeal, (3) saving security, (4) cleanliness and comfort of the room, (5) friendliness, courtesy and neatness. Bank Perkreditan Rakyat obtained competitive advantage that is (1) cleanliness and comfort of the room,(2) ability and alertness of the officers, (3) friendliness, courtesy and neatness, (4) saving security, (5) familiarity of the officer with the customer. In addition there are similarities there are interesting differences that is on the excellence of promotional activities and the attractiveness of prizes at Commercial Banks. and the familiarity of officers with customers at Bank Perkreditan Rakyat.
Co-Authors Ainun Jariah Kasno Kasno Kasno Kasno Makruf, Umar Makruf, Umar Ninik Lukiana Ninik Lukiana Umar Makruf