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ANALISIS KINERJA PENYALURAN KREDIT DAN KOLEKTIBILITAS KREDIT BPR KONVENSIONAL SECARA NASIONAL PERIODE JUNI 2020 – JUNI 2021 Wangsit Supeno
Akrab Juara : Jurnal Ilmu-ilmu Sosial Vol 6 No 4 (2021): November
Publisher : Yayasan Azam Kemajuan Rantau Anak Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58487/akrabjuara.v6i4.1604

Penelitian ini dilatar belakangi pada kondisi kinerja kredit Bank Perkreditan Rakyat (BPR) konvensional secara Nasional di tengah pandemi Covid-19 pada bulan Juni 2020 sampai dengan Juni 2021. Indikator kinerja kredit yang diteliti meliputi kinerja penyaluran kredit, penggunaan kredit, dan kolektibilitas kredit. Metode penelitian yang digunakan adalah deskriptif kualitatif, dengan analisis dan penjelasan kinerja penyaluran kredit, penggunaan kredit dan kolektibiltas kredit. Data sekunder yang digunakan bersumber dari Laporan Data Statistik Perbankan Indonesia dan Laporan Profil Industri Perbankan bulan Juni 2020 dan Juni 2021 yang diakses melalui laman website Otoritas Jasa Keuangan (OJK). Hasil analisa indikator kinerja penyaluran kredit periode Juni 2020 sampai dengan Juni 2021 tumbuh 3,04% (yoy). Hal ini menunjukkan bahwa BPR masih berpeluang untuk menyalurkan kredit meskipun melambat. Indikator kinerja penyaluran kredit menunjukkan, penggunaan kredit produktif tumbuh 3,68% (yoy), sedang kredit konsumtif tumbuh 2,31% (yoy). Pertumbuhan penyaluran kredit produktif yang terbesar adalah untuk penggunaan kredit investasi 4,43% (yoy), dan untuk kredit modal kerja 3,56% (yoy). Kinerja kredit BPR konvensional secara Nasional berdasarkan indikator kolektibilitas kredit pada Juni 2021 menunjukkan kondisi yang lebih baik dibandingkan dengan Juni 2020, hal ini ditunjukkan pada indikator kinerja rasio Non Performing Loan yang menurun 11,61% (yoy), dari 8,44% pada Juni 2020 menjadi 7,46% pada Juni 2021.

Evaluasi Penerapan Tata Kelola Bank Pada PT BPR Eka Bumi Artha Wangsit Supeno; Vina Islami
MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 6, No 2 (2019): Oktober 2019
Publisher : Universitas Bina Sarana Informatika

Tata kelola perusahaan dalam hal ini Bank Perkreditan Rakyat atau BPR merupakan sebuah kewajiban yang harus dilaksanakan secara berkelanjutan. Sejumlah BPR ditutup operasionalnya disebabkan mengalami permasalahan dalam tata kelola. Semakin meningkatnya volume usaha BPR maka semakin meningkat pula risiko yang dihadapi, sehingga mendorong kebutuhan terhadap penerapan tata kelola oleh BPR. Dengan memperhatikan pada permasalahan BPR serta dalam rangka untuk menciptakan industri BPR yang sehat dan kuat, serta meningkatkan kinerja Bank Perkreditan Rakyat, melindungi pemangku kepentingan, dan meningkatkan kepatuhan terhadap peraturan perundang-undangan, serta nilai-nilai etika yang berlaku umum pada Perbankan, Bank Perkreditan Rakyat perlu segera menerapkan tata kelola. Otoritas Jasa Keuangan sebagai regulator pada tahun 2015 telah menerbitkan Peraturan Otoritas Jasa Keuangan Nomor 4/POJK.03/2015 tentang Penerapan Tata Kelola Bagi Bank Perkreditan Rakyat. Obyek penelitian penerapan tata kelola sesuai Peraturan Otoritas Jasa Keuangan adalah PT Bank Perkreditan Rakyat Eka Bumi Artha. Metode penelitian dilakukan secara kualitatif dengan bersumber dari Laporan Tata Kelola PT Bank Perkreditan Rakyat Eka Bumi Artha pada tahun 2018 yang telah dipublikasikan. Hasil penelitian menunjukkan PT Bank Perkreditan Rakyat Eka Bumi Artha telah melaksanakan Tata Kelola Perusahaan yang Baik, dengan menerapkan prinsip-prinsip keterbukaan, akuntabilitas, pertanggung jawaban, independensi, dan kewajaran. Dari hasil evaluasi yang dilakukan secara keseluruhan berdasarkan data tata kelola tahun 2018, PT Bank Perkreditan Rakyat Eka Bumi Artha telah melaksanakan tata kelola sesuai Pasal 2 Peraturan Otoritas Jasa Keuangan Nomor 4/POJK.03/2015 tentang Penerapan Tata Kelola Bagi Bank Perkreditan Rakyat.Kata Kunci: Evaluasi, Penerapan, Tata Kelola Perusahaan yang BaikAbstract -The application of good governance of the Rural Bank or BPR banks is an obligation that must be implemented on an ongoing basis. A number of BPR closed operations due to experiencing problems in governance. The increase in the business volume of BPR is increasing the risks involved, thereby encouraging the need for the implementation of governance by BPR. With respect to the issue of the BPR and in order to create a healthy and robust BPR industry, and improve the performance of BPR, protect stakeholders, and improve compliance with legislation, as well as of ethical values that are generally applicable to banking. BPR as a bank financial institution need to implement governance immediately. Financial Services Authority as a regulator in the year 2015 has issued regulation of the Financial Services Authority No. 4/POJK. 03/2015 concerning the implementation of governance for the Rural Bank. The research object for implementing governance in accordance with the Financial Services Authority regulation is BPR Eka Bumi Artha. The research method was done qualitatively with the source of the report on BPR governance of Eka Bumi Artha in 2018 that has been published. The results showed BPR Eka Bumi Artha has implemented the good word, by applying the principles of transparency, accountability, responsibility, Independence , and fairness. From the results of the evaluation as a whole based on the data governance in 2018, BPR Eka Bumi Artha has carried out the governance pursuant to Article 2 regulation of the Financial Services Authority No. 4/POJK. 03/2015 concerning the implementation of governance for the Rural Bank. Keywords: Evaluation, Application, Good Corporate Governance

Pengaruh Brand Awareness terhadap Keputusan Pembelian pada PT Gramedia Asri Media Cabang Cinere Mall Depok Wiwin Wianti; Wangsit Supeno; Ira Karina Putri
Jurnal Ekonomi Vol 28 No 02 (2019): [Jurnal STEI Ekonomi - JEMI] Vol. 28 No. 02 (Desember - 2019)
Publisher : Bagian Pengelolaan Jurnal dan Penerbitan - Sekolah Tinggi Ilmu Ekonomi Indonesia (BPJP - STIE)

Gramedia Asri Media is a company that specializes in retail that offers best books from various publishers , as well as school supplies products and an office that is best quality. PT Gramedia Asri Media trying continue to create a the brand awareness to public, In order to become the dominant choice in their purchasing choices. The study be conducted for determine how big influence the brand awareness of purchasing decisions. The method of this study used by quantitative method with Independent variables are Brand Awareness and the dependent variabel is purchasing decision and with sample of 30 respondents. The sampling technique used in this study is Sample Random Sampling. The method of this study used by methods observation, methods interview, methods questionnaire, and atudy documentation. Methods of data analysis used in this correlation coefficient analysis methods, determination coefficient, and simple linear regression analysis. Data processing was performed by using SPSS 23 software for Windows. Through the test R brand awareness has a strong relationship to the purchase decision. The influence of brand awareness on purchasing decision is 60,9% and the rest is 39,09% influenced by other factors not examines like brand image, promotion, quality of service and others. Each increase of one scala Brand Awareness will raise the Purchase Decision by 0,804.

ANALISIS PRIORITAS PENANGANAN KREDIT BERMASALAH DALAM RANGKA MENYEHATKAN KUALITAS KREDIT PADA BANK PERKREDITAN RAKYAT Wangsit Supeno
Widya Cipta - Jurnal Sekretari dan Manajemen Vol 1, No 1 (2017): Maret 2017
Publisher : Universitas Bina Sarana Informatika

Credit is the biggest earning assets and the main source of income BPR. Loans have the risk of causing damage if not properly managed. Performance of Rural Bank lending can be seen from the quality of the non-current loans which amount does not exceed 5% of the total loan portfolio overall. In granting loans, the Management of Rural Banks must apply the principle of sound lending, since the credit is processed until the loan has been granted. Management of Rural Banks provide credit should conduct risk identification selectively applying Accurate Credit Analysis 5C, so expect credit credit default resulting in a stalemate in the future can be suppressed. Nonperforming loans at Rural Bank can be sourced from External and Internal, also because of weak monitoring and credit monitoring. On the other hand, factors stiff competition led to the precautionary principle does not run well, in which they perform less selective Credit Analysis so that the risk of a credit crunch with a substandard quality are very prominent. These conditions would have to be a management concern Rural Bank. In efforts to address problem loans management have to prioritize the completion of systematic and sustainable way. Rural Bank should monitor actively as a preventive measure to prevent non-performing loans to a standstill. Management must take action when borrowers found the problem and find solutions before the completion of credit into the quality of the jam. Management should set priorities for handling problem loans by putting in a family approach in the appeal of taking legal action. Credit Banks rescue people can do credit to a debtor in value can still be saved by way Rescheduling, Reconditioning and Restructuring. Rural Bank management can take action to remove the book if credit has been stalled quality and have attempted to meneyelesaikan but have not been successful. Priority settlement of non-performing loans were made consistently and continuously expected to restore the credit performance of Rural Bank, where credit quality is healthy so the development of productive assets and income from year to year continues to increase. Keywords: Non Performing Loans, Credit Quality

Analisa Laporan Keuangan Dan Rasio BOPO Terhadap ROA Pada Bank Umum Secara Nasional Wangsit Supeno
Artikel Ilmiah Sistem Informasi Akuntansi Vol 2 No 1 (2022): Artikel Ilmiah Sistem Informasi Akuntansi (AKASIA) - April 2022
Publisher : LPPM Universitas Bina Sarana Informatika

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Abstract- Commercial banks are financial institutions whose business objectives are to earn profits so that banks can continue to grow healthily. The ability to earn profits from a bank is determined by the achievement of business results during a period that can be analyzed through profit statement. In the income statement can be known how much net interest income, other non-interest operating income, other non-interest operating expenses, and non-operating income so that in the end can be known pre-tax income. To obtain maximum profit, there is a need for efficiency of elements in the group of operating expenses and operating income by using the BOPO ratio indicator. The smaller the BOPO ratio, the more efficient the bank is and has the ability to obtain profits calculated by the Return on Asset (ROA) ratio indicator. This study raises issues related to the development of profit loss performance conditions, BOPO ratio and ROA ratio in conventional commercial banks nationally in the third quarter of 2019, 2020, and 2021. The method used is qualitative descriptive with a clustered analysis data from Indonesian banking statistics accessed from the Financial Services Authority website. The results showed that the performance conditions of conventional commercial banks nationally during economic pressures as a result of the pandemic crisis in 2020 and 2021 are still in good condition and experiencing growth despite slowing. Keywords: Financial Statements, BOPO Ratios, ROA Ratios

KINERJA KREDIT TERHADAP PROFITABILITAS BPR PADA MASA PANDEMI COVID-19 Wangsit Supeno; Ida Hendarsih
Akrab Juara : Jurnal Ilmu-ilmu Sosial Vol 5 No 4 (2020): November
Publisher : Yayasan Azam Kemajuan Rantau Anak Bengkalis

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Bank Perkreditan Rakyat (BPR) lembaga keuangan memiliki keterkaitan dengan pelaku Usaha Mikro Kecil dan Menengah (UMKM). Pelaku UMKM merupakan nasabah utama mitra usaha BPR sejak krisis 1998, UMKM tergolong tangguh memberikan kontribusi besar terhadap perekonomian nasional. Pada masa Pandemi COVID-19 diberlakukannya Pembatasan Sosial Berskala Besar (PSBB), pelaku UMKM salah satu usaha paling terkena dampaknya. Omset usaha UMKM menurun bahkan ada yang tidak mampu beroperasi ditambah menurunnya daya beli masyarakat. Untuk mengetahui perubahan kinerja kredit terhadap profitabilitas, metode penelitian menggunakan deskriptif kualitatif, obyek penelitian BPR secara Nasional. Data Tahun Agustus 2019 sampai Agustus 2020 di saat Pandemi COVID-19. Pertumbuhan kredit BPR di masa pandemi COVID-19 pada akhir Agustus 2020, mengalami pertumbuhan walaupun tidak besar 1,28%. Kinerja kualitas kredit BPR yang diukur dengan rasio Non Performing Loan (NPL) juga terdampak pandemi COVID-19, akibatnya jumlah kredit non lancar semakin meningkat dan rasio NPL meningkat. Kurang optimalnya kinerja kredit dan meningkatnya rasio NPL, ditambah upaya penyelamatan kredit, berakibat menurunnya jumlah penerimaan dana kredit yang telah disalurkan kepada nasabah. Penerimaan dana angsuran kredit menurun dan tertunda, berdampak menurunnya pendapatan kredit dan secara keseluruhan berakibat pada kemampuan BPR memperoleh laba sebelum pajak. Hal ini menurunnya kinerja profitabilitas rasio ROA Agustus 2020 yaitu -16,02% dibandingkan Desember 2019.

ANALISA KINERJA PENYALURAN KREDIT TERHADAP RISIKO KREDIT PADA BANK PERKREDITAN RAKYAT TAHUN 2016 - 2019 Wangsit Supeno; Ketut Martana
Akrab Juara : Jurnal Ilmu-ilmu Sosial Vol 5 No 2 (2020): Mei
Publisher : Yayasan Azam Kemajuan Rantau Anak Bengkalis

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Abstract Based on Indonesian banking statistics in 2019, the rural bank (BPR) has a positive performance in the growth of credit distribution. This credit growth shows that rural bank (BPR) function in carrying out credit-giving activities is still gaining trust from the community, so it still has its existence and opportunities to increase Credit distribution amid increasingly sharp competition. The distribution of working capital loans in 2019, has a positive impact on the growth of the most dominant economic sector, namely trade, agriculture and services in every province where the rural bank (BPR) operates. While investment credit distribution also helps many people in the sector of trade and community services. The consumptive credit distribution helps the community who needs funds for other urgent consumption sectors. In connection with the growth of the credit of the creditor of the rural bank (BPR) in 2019, the management of the rural bank (BPR) should pay attention to the level of credit risk arising by measuring the ratio of Non-Performing Loan (NPL), so that the rural bank (BPR) can take effective and efficient anticipation measures so that the credit delivered can improve the healthy and profitable assets.

ANALYSIS OF PROFITABILITY PERFORMANCE: THE COMPARISON OF BPR KOTA BARU AND BPR IN SOUTH KALIMANTAN PROVINCE DURING COVID-19 PANDEMIC PERIOD Supeno, Wangsit
ACCOUNTABILITY Vol 10, No 1 (2021)
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32400/ja.33213.10.1.2021.7-15

The impact of the Covid-19 pandemic is strongly felt for the Rural Banks (or BPR) industry operating in South Kalimantan province. This study is a case study of BPR Kota Baru operating in South Kalimantan Province. Based on the financial report published by Financial Services Authority (or OJK), the BPR Kota Baru is one of the banks that has the best Return On Asset (ROA) performance, because the ROA ratio continues to grow during the Covid-19 pandemic. The purpose of this study is to find out the extent of the performance of Return On Asset or ROA of BPR Kota Baru compared to the ROA Performance of some BPR in South Kalimantan Province before and during the Covid-19 pandemic has a positive ROA. Analysis of research data is sourced from the financial statements of conventional BPR publications accessed on the website of OJK. This study conducts comparative research methods and finds that during the Covid-19 pandemic the ROA of BPR Kota Baru for September 2020 is 6.74% while the average ROA ratio of other BPR is 4.80%. On asset management and operational cost efficiency to operating income (BOPO), the management of BPR Kota Baru manage to improve profitability capability in the midst of the Covid-19 pandemic in the position of financial statements published in September 2020.

Analisis Penilaian Kepuasan Pelayanan Hotel Pelanggan Traveloka (Studi Kasus Hotel di Area Malioboro Yogyakarta) Wangsit Supeno
Perspektif : Jurnal Ekonomi dan Manajemen Akademi Bina Sarana Informatika Vol 16, No 1 (2018): Maret 2018
Publisher : www.bsi.ac.id

Abstract - Rapid advances in information technology really help consumers in determining the best options including Transact quickly and easily on line. One of the agents of the service provider based on well-known line is Traveloka. Facilities provided by the Traveloka through the Traveloka site, one of which relates to service information three star hotel located in the area of Malioboro Yogyakarta. From the Traveloka website, and the image information can be acquired early on hotels that will be targeted, either from the side of the price or the quality of service in the form of reviews and rating the satisfaction experience hotel guests who had been staying there. In compiling this research, the author examines the factors of customer satisfaction Traveloka who have used the services of 10 three-star hotel located in the area of Malioboro Yogyakarta, based on data in the site Traveloka on 6 January 2018. Based on data from the site traveloka, it can be assessed that the average guest satisfaction rating out of 10 three-star hotel in the Malioboro Yogyakarta area overall is 8.5 with very good. Based on the share of service satisfaction, the hotel's guests were satisfied with the location of the hotel as much as 42.9%, 19%, hospitality room hygiene 17%, 19.2% food and the convenience of 2%. With the reviews of the hotel guest experience that is listed in the site Traveloka, then the next hotel, prospective users can easily learn the advantages and disadvantages a hotel that will be visited both in the service as well as price before determining a selection of the best. Key word : Service Satisfaction, Customer Pesatnya kemajuan teknologi informasi sangat membantu konsumen dalam menentukan pilihan yang terbaik termasuk melakukan transaksi dengan mudah dan cepat secara on line. Salah satu perusahaan agen penyedia layanan jasa berbasis on line yang cukup terkenal adalah Traveloka. Fasilitas yang disediakan oleh Traveloka melalui situs Traveloka, salah satunya berhubungan dengan informasi layanan hotel bintang tiga yang berlokasi di area Malioboro Yogyakarta. Dari situs Traveloka tersebut, dapat diperoleh informasi dan gambaran awal tentang hotel yang akan dituju, baik dari sisi harga maupun kualitas pelayanan dalam bentuk rating dan ulasan kepuasan pengalaman para tamu hotel yang telah menginap di sana. Dalam menyusun penelitian ini, penulis meneliti faktor kepuasan pelanggan Traveloka yang telah menggunakan jasa layanan 10 hotel bintang tiga yang berlokasi di area Malioboro Yogyakarta, berdasarkan data dalam situs Traveloka pada tanggal 6 Januari 2018. Berdasarkan data dari situs traveloka, dapat dinilai bahwa rata-rata rating kepuasan tamu dari 10 hotel bintang tiga di area Malioboro Yogyakarta secara keseluruhan adalah 8,5 dengan predikat Sangat Baik. Berdasarkan porsi kepuasan pelayanan, tamu hotel yang merasa puas dengan lokasi hotel sebanyak 42,9%, keramahan 19%, kebersihan kamar 17%, makanan 19,2% dan kenyamanan 2%. Dengan adanya ulasan pengalaman tamu hotel yang tercantum dalam situs Traveloka, maka calon pengguna hotel berikutnya, dapat dengan mudah mempelajari kelebihan dan kekurangan hotel yang akan dikunjungi baik dari sisi pelayanan maupun harga sebelum menentukan pilihan yang terbaik.Kata Kunci : Kepuasan Pelayanan, Pelanggan

Peranan Pengelolaan Kas Kecil Pada Pengurus Dewan Kemakmuran Masjid (DKM) Darul Hikmah Mari Rahmawati; Ade Fitria Lestari; Wangsit Supeno; Rusma Insan Nurachim
Jurnal Abdimas Ekonomi dan Bisnis Vol. 1 No. 2 (2021): Volume 1 No 2 November 2021: Jurnal Abdimas Ekonomi dan Bisnis
Publisher : LPPM Universitas Bina Sarana Informatika

Masjid selain berfungsi sebagai tempat ibadah sholat dapat juga sebagai tempat untuk kegiatan keagamaan dan memajukan masyarakat sekitar. Dewan Kemakmuran Masjid (DKM) Darul Hikmah memiliki susunan kepengurusan yang diantaranya bertanggung jawab dalam kegiatan program kerja rutin seperti pelaksanaan acara hari besar umat muslim, kerja bakti kebersihan, pengembangan kegiatan, pengembangan fasilitas dan sarana. Dalam rangka pengurus lebih efektif dalam mengawasi keuangan berupa Kas, dan untuk mudah melakukan monitoring, sebaiknya pengurus DKM dalam administrasi keuangan, memisahkan pembukuan pencatatan antara Kas untuk keperluan operasional yang jumlahnya cukup besar dan Kas Kecil untuk keperluan operasional masjid rutin yang nilainya relatif kecil dengan didukung bukti transaksi. Besaran jumlah Kas Kecil yang akan dibentuk tentu didasarkan pada ketentuan internal, disesuaikan dengan kebutuhan pengeluaran rutin masjid. Adapun tujuan dari pengabdian masyarakat ini adalah agar pengurus DKM Darul Hikmah dapat memahami pentingnya pengelolaan Administrasi Keuangan berupa Kas Kecil yang akan mempermudah dalam memonitor keuangan masjid dan lebih efektif untuk pembayaran keperluan rutin.

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