Articles
<![CDATA[Dimensi Kepemimpinan Dan Motivasi Terhadap Kinerja Pegawai Koperasi Karyawan PT. Pindad Persero ]]>
<![CDATA[Hesti Budiwati]]>
<![CDATA[ Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 1 No. 1 (2011): Maret 2011 ]]>
Publisher : <![CDATA[Institut Teknologi dan Bisnis Widya Gama Lumajang ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30741/wiga.v1i1.45
<![CDATA[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.]]>
<![CDATA[Pengaruh Dana Ekonomi Bergulir Proyek Penanggulangan Kemiskinan di Perkotaan (P2KP) Terhadap Peningkatan Pemberdayaan Masyarakat: Kabupaten Lumajang ]]>
<![CDATA[Ninik Lukiana]]>;
<![CDATA[Hesti Budiwati]]>
<![CDATA[ Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 1 No. 1 (2011): Maret 2011 ]]>
Publisher : <![CDATA[Institut Teknologi dan Bisnis Widya Gama Lumajang ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30741/wiga.v1i1.41
<![CDATA[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.]]>
<![CDATA[Kualitas Layanan Dan Kepuasan Konsumen Warung Internet: Kota Malang ]]>
<![CDATA[Ninik Lukiana]]>;
<![CDATA[Hesti Budiwati]]>
<![CDATA[ Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 1 No. 1 (2011): Maret 2011 ]]>
Publisher : <![CDATA[Institut Teknologi dan Bisnis Widya Gama Lumajang ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30741/wiga.v1i1.39
<![CDATA[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.]]>
<![CDATA[Pengaruh Citra Bank dan Promosi Undian Ghendis Manis Terhadap Keputusan Petani Tebu Menabung di Bank: Studi Kasus Bank Rakyat Indonesia Kantor Cabang Lumajang ]]>
<![CDATA[Umar Makruf]]>;
<![CDATA[Hesti Budiwati]]>
<![CDATA[ Jurnal Ilmu Manajemen Advantage Vol. 1 No. 1 (2017): June ]]>
Publisher : <![CDATA[Institut Teknologi dan Bisnis Widya Gama Lumajang ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30741/adv.v1i1.23
<![CDATA[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.]]>
<![CDATA[Commercial Banks Versus BPR: Advantages Based On Perception, Hope And Customer Interest ]]>
<![CDATA[Hesti Budiwati]]>
<![CDATA[ Jurnal Ilmu Manajemen Advantage Vol. 1 No. 2 (2017): December ]]>
Publisher : <![CDATA[Institut Teknologi dan Bisnis Widya Gama Lumajang ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30741/adv.v1i2.191
<![CDATA[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.]]>
<![CDATA[Menggali Potensi Keunggulan Bersaing Destinasi Wisata Alam Pegunungan di Lumajang ]]>
<![CDATA[HESTI BUDIWATI]]>
<![CDATA[ Jurnal Ilmu Manajemen Advantage Vol. 3 No. 2 (2019): Desember ]]>
Publisher : <![CDATA[Institut Teknologi dan Bisnis Widya Gama Lumajang ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30741/adv.v3i2.473
<![CDATA[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]]>
<![CDATA[Asset Quality as a Predictor of Rural Bank Bankruptcy in Indonesia ]]>
<![CDATA[Hesti Budiwati]]>;
<![CDATA[Ainun Jariah]]>
<![CDATA[ Jurnal Ilmu Manajemen Advantage Vol. 4 No. 1 (2020): June ]]>
Publisher : <![CDATA[Institut Teknologi dan Bisnis Widya Gama Lumajang ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30741/adv.v4i1.612
<![CDATA[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.]]>
<![CDATA[Pengaruh Posisi Kredit dan Dana Pihak Ketiga Terhadap Laba Bank dengan Non Performing Loan Sebagai Pemediasi: (Studi Kasus Pada Bank Perkreditan Rakyat di Lumajang) ]]>
<![CDATA[HESTI BUDIWATI]]>
<![CDATA[ Assets : Jurnal Ilmiah Ilmu Akuntansi, Keuangan dan Pajak Vol. 3 No. 2 (2019): Juli 2019 ]]>
Publisher : <![CDATA[Institut Teknologi dan Bisnis Widya Gama Lumajang ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30741/assets.v3i2.440
<![CDATA[This study aims to examine the effect of credit position and third party funds on bank profits both partially and simultaneously. The next goal is also to find out whether non-performing loans can be a mediator between the influence of credit positions and third party funds on bank profits. The research was conducted at the rural Bank in Lumajang consisting of 6 (six) banks. The analytical technique used is path analysis by testing the first substructure and the second substructure. Samples in the form of quarterly reports as many as 6 periods from 2015 to 2017, so the number of samples is 36 quarterly reports. The results of the study state that the credit position has a significant effect on non-performing loans, third party funds have no significant effect on non-performing loans, simultaneously the position of credit and third party funds have a significant effect on non-performing loans. The next result is the position of credit, third party funds, and non-performing loans does not have a significant effect on bank profits, but simultaneously all three have a significant effect on bank profits. Non-performing loans apparently also cannot be a mediator of the influence of credit positions and third party funds on bank profits. Future research is expected to examine other variables that influence bank profits]]>
<![CDATA[PENGEMBANGAN SOCIAL ENTREPRENEURSHIP PADA UKM “KLAPAN JAYA” DI KABUPATEN LUMAJANG ]]>
<![CDATA[HESTI BUDIWATI]]>
<![CDATA[ IMPOWERMENT SOCIETY Vol 2 No 2 (2019): Agustus ]]>
Publisher : <![CDATA[Institut Teknologi dan Bisnis Widya Gama Lumajang ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30741/eps.v2i2.460
<![CDATA[Kemandirian ekonomi adalah salah satu jawaban untuk menghadapi kompetisi di era global sehinga masyarakat mampu keluar dari kemiskinan dan keterbelakangan.Peluang kerja yang terbatas menuntut sumber daya lokal agar memiliki kemampuan dalam membuka lapangan kerja sendiri dengan mengolah sumber daya yang ada melalui inovasi dan perbaikan-perbaikan yang berkelanjutan.Berangkat dari alasan inilah maka muncul ketertarikan untuk bermitra dengan UKM “Klapan Jaya” di Kelurahan Jogotrunan Kabupaten Lumajang. UKM “Klapan Jaya” merupakan kelompok usaha yang terdiri dari berbagai macam usaha dari sekelompok orang yang memiliki usaha kecil di Kelurahan Jogotrunan Kecamatan Lumajang Kabupaten Lumajang.Kelompok UKM ini belum begitu mampu menggerakkan usahanya yang dapat menciptakan lapangan pekerjaan bagi masyarakat di sekitarnya.Pelaksanaan kegiatan pengabdian kepada masyarakat ini mencapai target yaitu (1) Peningkatan ketrampilan mitra dalam menjalankan usahanya dengan berkelanjutan, (2) Terbentuk pemahaman dan kemampuan sumber daya manusia dalam menciptakan lapangan pekerjaan bagi masyarakat sekitarnya dan (3) Peningkatan strategi pemasaran agar mampu bersaing dalam memasarkan produknya.]]>
<![CDATA[The Assistance Of Capital Access And Financial Governance On “Fresh Bee” Honey Business In Lumajang ]]>
<![CDATA[Hesti Budiwati]]>
<![CDATA[ IMPOWERMENT SOCIETY Vol 3 No 1 (2020): February ]]>
Publisher : <![CDATA[Institut Teknologi dan Bisnis Widya Gama Lumajang ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30741/eps.v3i1.581
<![CDATA[The economic development and basic human needs that must be fulfilled triggered the existence of entrepreneurs group, both by productive and non-productive community. In general, because it is managed in a family or household environment, sometimes the management tends to be less serious and confused between family and business finances. From this reason, there was an interest in partnering with a honey business “Fresh Bee” owner namely Bhella Shely Afrilianti in Sumbersuko, Lumajang regency. The partner runs its business to help her family economy. The passion of partner in developing this business should be appreciated, however it requires the ability to face similar business which is quite rife. In raising Klanceng honey requires natural land because this is the advantage of Klanceng bees that its food also naturally sourced so that the honey are very high quality and a great interest to the community. The need for land is what makes this family need capital access to fulfill it. The weakness of partner mostly on financial governance which is still mixed with family finances. The implementation of this community service activity achieved the target, (1) the partner’s skill improvement in running its business in sustainable manner, (2) a simple orderly and healthy administration, which mean it is able to separate household and business finances and (3) get capital assistance from financial institutions. The intensive assistance and supervision to the partner need to be done periodically and not stop until the completion of this program. Therefore, the activeness of the team and the ranks of STIE Widya Gama Lumajang community in providing guidance to this partner needs to be carried out continuously.]]>
