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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 International Journal of Accounting and Management Research (IJAMR)
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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Journal : Jurnal Ilmu Manajemen Advantage

 1 
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.
Menggali Potensi Keunggulan Bersaing Destinasi Wisata Alam Pegunungan di Lumajang BUDIWATI, HESTI
Jurnal Ilmu Manajemen Advantage Vol. 3 No. 2 (2019): Desember
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (719.883 KB) | DOI: 10.30741/adv.v3i2.473

Abstract

This study aims to determine the potential for competitive advantage and weaknesses which is a priority improvement strategy to achieve excellence in B29 natural tourism in Lumajang. B29 nature tourism in Lumajang is located in Senduro District in Lumajang. By using lean six sigma data analysis techniques on 30 respondents, this study netted the opinions of respondents based on the perceptions, hopes and interests of the people who visited the natural tourism B29 in Lumajang. The questionnaire was first tested for validity and reliability. The results of the study found that the advantages possessed by B29 nature tourism are located at community friendliness, natural beauty and adventure opportunities, while the priority of improvement is the availability of medical assistance, public facilities, electricity, clean water and communication networks. Future research is expected to be able to research with the same method to find competitive advantage in other objects
Asset Quality as a Predictor of Rural Bank Bankruptcy in Indonesia Budiwati, Hesti; Jariah, Ainun
Jurnal Ilmu Manajemen Advantage Vol. 4 No. 1 (2020): June
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (889.476 KB) | DOI: 10.30741/adv.v4i1.612

Abstract

The study aims to form a bankruptcy prediction model of rural bank in Indonesia at a time variation of 1 quarter (MP1), 2 quarters (MP2), 4 quarters (MP4), and 8 quarters (MP8) before bankruptcy. The quality of productive assets as a predictor variable consist of CEA, CEAEA, and NPL. The condition of rural bank bankrupt and non bankrupt as a dependent variable. The analytical method used is logistic regression followed by testing the model accuration. The population of this study is rural bank in Indonesia. The sample used was 241 rural banks that consist of 41 bankrupt rural banks and 200 non bankrupt rural banks. The data used are the quarterly financial statements of 2006 to 2019. The study result showed that of the four prediction models that successfully built, the 1 quarter (MP1) is the most feasible and accurate used as bankruptcy prediction model of rural banks in Indonesia that formed by CEAEA and NPL ratio. The MP1 has a classification accuracy of 93,8% at the level of modelling with cut off point of 0,29 and it has a classification accuracy of 83,93% at the level of validation with cut off point of 0,12. Based on those advantage, the MP1 was chosen as a model that able to predict the bankruptcy of rural bank in Indonesia.
Pengaruh Citra Bank dan Promosi Undian Ghendis Manis Terhadap Keputusan Petani Tebu Menabung di Bank: Studi Kasus Bank Rakyat Indonesia Kantor Cabang Lumajang Umar Makruf; Hesti Budiwati
Jurnal Ilmu Manajemen Advantage Vol. 1 No. 1 (2017): June
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | 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 Hesti Budiwati
Jurnal Ilmu Manajemen Advantage Vol. 1 No. 2 (2017): December
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | 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.
Menggali Potensi Keunggulan Bersaing Destinasi Wisata Alam Pegunungan di Lumajang HESTI BUDIWATI
Jurnal Ilmu Manajemen Advantage Vol. 3 No. 2 (2019): Desember
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30741/adv.v3i2.473

Abstract

This study aims to determine the potential for competitive advantage and weaknesses which is a priority improvement strategy to achieve excellence in B29 natural tourism in Lumajang. B29 nature tourism in Lumajang is located in Senduro District in Lumajang. By using lean six sigma data analysis techniques on 30 respondents, this study netted the opinions of respondents based on the perceptions, hopes and interests of the people who visited the natural tourism B29 in Lumajang. The questionnaire was first tested for validity and reliability. The results of the study found that the advantages possessed by B29 nature tourism are located at community friendliness, natural beauty and adventure opportunities, while the priority of improvement is the availability of medical assistance, public facilities, electricity, clean water and communication networks. Future research is expected to be able to research with the same method to find competitive advantage in other objects
Asset Quality as a Predictor of Rural Bank Bankruptcy in Indonesia Hesti Budiwati; Ainun Jariah
Jurnal Ilmu Manajemen Advantage Vol. 4 No. 1 (2020): June
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30741/adv.v4i1.612

Abstract

The study aims to form a bankruptcy prediction model of rural bank in Indonesia at a time variation of 1 quarter (MP1), 2 quarters (MP2), 4 quarters (MP4), and 8 quarters (MP8) before bankruptcy. The quality of productive assets as a predictor variable consist of CEA, CEAEA, and NPL. The condition of rural bank bankrupt and non bankrupt as a dependent variable. The analytical method used is logistic regression followed by testing the model accuration. The population of this study is rural bank in Indonesia. The sample used was 241 rural banks that consist of 41 bankrupt rural banks and 200 non bankrupt rural banks. The data used are the quarterly financial statements of 2006 to 2019. The study result showed that of the four prediction models that successfully built, the 1 quarter (MP1) is the most feasible and accurate used as bankruptcy prediction model of rural banks in Indonesia that formed by CEAEA and NPL ratio. The MP1 has a classification accuracy of 93,8% at the level of modelling with cut off point of 0,29 and it has a classification accuracy of 83,93% at the level of validation with cut off point of 0,12. Based on those advantage, the MP1 was chosen as a model that able to predict the bankruptcy of rural bank in Indonesia.
Co-Authors Ainun Jariah Fachrizal Yusuf Apriansyah Kasno Kasno Kasno Kasno Makruf, Umar Makruf, Umar Ninik Lukiana Ninik Lukiana Umar Makruf