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Analisis Rasio Keuangan Camel Terhadap Prediksi Kepailitan: Bank Umum Swasta Nasional di Indonesia Periode 2004 â€“ 2007 Budiwati, Hesti
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 1 No. 2 (2011): September 2011
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

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

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 â€“ 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

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

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

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

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

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. â€œBank Perkreditan Rakyatâ€ 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 â€œBank Perkreditan Rakyatâ€ 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.

Dimensi Kepemimpinan Dan Motivasi Terhadap Kinerja Pegawai Koperasi Karyawan PT. Pindad Persero Budiwati, Hesti
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 1 No. 1 (2011): Maret 2011
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Leadership plays an important role in an organization in an effort to improve achievement and employee performance and employee at the group level or at the organizational level, because performance is not only highlights the technical side but also highlights the work group and managerial as well as the motivation is the driving force that created the excitement of a person so that they would cooperate, to work effectively and integrated with all its efforts to achieve satisfaction. The results show the existence of mutual relationships and significant influence among some other variable data data also showed that the variables affecting leadership, and motivation to employee performance that stated at the percentage of 90.0%, while the remaining 10.0% described or influenced by other factors.

Pengaruh Dana Ekonomi Bergulir Proyek Penanggulangan Kemiskinan di Perkotaan (P2KP) Terhadap Peningkatan Pemberdayaan Masyarakat: Kabupaten Lumajang Lukiana, Ninik; Budiwati, Hesti
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 1 No. 1 (2011): Maret 2011
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Urban Poverty Project (P2KP) one answer to the problems of poverty in urban areas, through P2KP government provides financial assistance to implement the process of community empowerment and continuous learning. One type of economic activity from P2KP is rolling, that is allocated funds for lending activities to the poor in order to form a new business or expand an existing business, with its implementation involving the relevant communities. The purpose of this study is, to determine the influence of economic funds rolling P2KP to increased community empowerment Lumajang, to find strengths and weaknesses of the implementation of economic revolving fund in Lumajang P2KP. To answer this research purpose, then there are some indicators that the number of SHGs and SHG members, the value of revolving loans disbursed, the health management of revolving loans, development revolving loan coverage to low-income communities, the status of the audit by an independent auditing agency. The result is 4 (four) indicator shows the success and significant impact on increasing community empowerment, while indicators of health levels are still less than satisfactory. But overall economy revolving fund in Lumajang P2KP show success in increasing community empowerment. In addition to these successes there are some weaknesses, especially regarding the ability of human resources.

Kualitas Layanan Dan Kepuasan Konsumen Warung Internet: Kota Malang Lukiana, Ninik; Budiwati, Hesti
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 1 No. 1 (2011): Maret 2011
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Business services internet cafes are also very rampant in the city of Malang, a town in East Java Province. Consumers from Internet cafes are students, students and the general public. On the basis of this, the study tries to examine further the analysis of service quality and consumer satisfaction with Internet cafes in Malang using 5 dimensions of service quality. The highest rating in a row contained in the dimension of assurance, reliability, empathy, responsiveness, and tangible. When viewed under score gap that occurs, consumers are Internet cafes in Malang not satisfied with the quality of that which they receive service. Based on the analysis concluded that consumer expectations of service quality in tangible dimensions, reliability, responsiveness, assurance and empathy into the criteria is expected. Consumer assessment of current conditions of service in Malang Internet cafes in the fifth dimension into the criteria of service quality Fine. However, there is a negative score gap between consumer ratings and their expectations are defined as consumer dissatisfaction towards the quality of service internet cafes they have received.

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