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PELAKSANAAN PENYELESAIAN KREDIT MACET SECARA NON LITIGASI (STUDI DI PT. BPR HASA MITRA) -, HIKMAH
Jurnal Cahaya Keadilan Vol 3 No 1 (2015): jurnal cahaya keadilan
Publisher : LPPM Universitas Putera Batam

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Abstract

Penelitian ini bertujuan untuk mengetahui faktor penyebab kredit macet dan mengetahui pelaksanaan penyelesaian kredit macet pada PT. BPR Hasa Mitra secara non litigasi. Untuk menjawab permasalah tersebut dilakukan penelitian normatif empiris dengan meneliti data primer dan data skunder, sehingga metode ini mencoba memperhatikan, mengkaji dan mengetahui pemberlakuan atau penerapan hukum dalam praktek di masyarakat. Dapat disimpulkan bahwa penyebab terjadinya kredit macet dapat disebabkan oleh faktor yang berasal dari Bank maupun dari Nasabah. Faktor dari perbankan meliputi kelemahan dalam analisis kredit, bank terlalu yakin dengan kemauan dan kemampuan nasabah, tidak memiliki informasi yang memadai khususnya karakter nasabah, dan kebijakan pimpinan. Faktor dari nasabah meliputi kelemahan karakter nasabah, kemampuan nasabah, persaingan usaha, usaha menurun atau bangkrut, nasabah memiliki hutang disana-sini. Penyelesaian Kredit bermasalah pada PT. BPR Hasa Mitra lebih ditekankan pada jalur non litigasi yaitu dengan upaya negosiasi yang dilakukan dengan cara Reschduling, Restrukturing dan Reconditioning.
Pembinaan Edukasi Finansial Pada Anak Melalui Menabung Sejak Dini Untuk Membangun Kemandirian Keuangan Hikmah Hikmah; Kiki Setiawati; Chika Saputri
Diklat Review : Jurnal manajemen pendidikan dan pelatihan Vol 3 No 3 (2019)
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/diklatreview.v3i3.406

Abstract

Financial management needs to be taught from an early age, with the hope that children can manage finances wisely and form good character. Learning to live frugal and not wasteful and not fall into a consumptive lifestyle. Parents need to provide examples and examples of this through appropriate parenting. The rise of children's snacks that circulate both at home and school environment, requires parents to be active and creative in setting an example, especially in terms of financial management of children. Teach children a frugal life, spend something to taste without being excessive and practicing for a simple life is the key to teaching children about financial management. The dedication was carried out at the Perumahan Air Mas Plaza Kelurahan Sei Langkai Kecamatan Sagulung. This coaching was conducted twice, where housewives were given an understanding of the importance of financial education for financial independence and then were given practice by learning by doing methods.
PENGARUH KUALITAS, LOKASI DAN PELAYANAN TERHADAP KEPUTUSAN PEMBELIAN RUMAH PADA PT. PUTERA KARYASINDO PRAKARSA SARAH DESTARY SILABAN; HIKMAH .
JURNAL ILMIAH MAKSITEK Vol 5 No 2 (2020): JURNAL ILMIAH MAKSITEK
Publisher : LP2MTBM MAKARIOZ

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Abstract

In the world of marketing quality affects consumers in considering buying a product or service. Apart from quality, locationand service are also important. Strategic location and good service will make the demand for what is offered will increase butit is also inversely proportional if the location is not strategic and also the services provided are bad which will makeconsumers hinder their purchases. This study aims to determine the effect of quality, location and service on homepurchases at PT Putera Karyasindo Prakarsa. The data used in this study are primary data obtained through a questionnairewith a sample of 110 respondents from a population of 110 in 2019 that is distributed to consumers who make a homepurchase at PT Putera Karyasindo Prakarsa. The analytical method used is multiple linear regression analysis, using SPSSversion 22 which proves that quality, location and service have a positive effect on purchases with R Square value. Based onstatistical data, the indicators in this study are valid and the variables are reliable. The hypothesis of the t test shows thateach variable of quality, location and service significantly influences the purchase variable and has a t count greater than ttable. Then through the f test can be known that the quality, location and service variables simultaneously have an influenceon the purchase variable with the results of the calculated f value greater than f table.
PENGARUH FINANCIAL LITERACY, OVERCONFIDENCE, REGRET AVERSION BIAS DAN RISK TOLERANCE TERHADAP INVESTMENT DECISION DI KOTA BATAM IRA RAHMADANIA PUTRI; HIKMAH .
JURNAL ILMIAH MAKSITEK Vol 5 No 2 (2020): JURNAL ILMIAH MAKSITEK
Publisher : LP2MTBM MAKARIOZ

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Abstract

Rise of the case of illegal investment in Batam City illustrates that the financial knowledge of investors and potential investorsis still not good. Even though financial literacy index in Batam has penetrated the national target, it cannot be used as areason why investors decide to invest. the number of investors who have high overconfidence makes many investors aredeceived by investment fraud in Batam City. Moreover, investors who have previously made mistakes in investing andexperiencing losses, a high sense of doubt will interfere with these investors in investing. Furthermore, investors in Batamhave various levels of tolerance to investment risk. The greater income of an investor in investing, the higher tolerance forfurther investment. Investment decisions that are only based on one factor are certainly not a good decision, because it isprone to mistakes in making decisions. The purpose of this study is to determine the partial and simultaneous influence offinancial literacy, overconfidence, regret aversion bias and risk tolerance variables on investment decisions in Batam City.This research is a quantitative study with a sampling technique using simple random sampling using Krejcie and Morgantables with a sample of 375 respondents. The analytical method used is multiple linear regression analysis and uses a Likertscale as a measurement scale. T-test results (partial test) states that the variables of financial literacy, overconfidence, regretaversion bias and risk tolerance partially have a positive and significant effect on investment decisions. And the results of theF test (simultaneous test) states that financial literacy, overconfidence, regret aversion bias and risk tolerance together havea positive and significant effect on investment decisions in Batam City. Data management tools used in this research is theapplication of SPSS version 22.
ANALISIS CAMEL DALAM MENILAI TINGKAT KESEHATAN PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA MARSINTA JUNIARTI ARITONANG; HIKMAH .
JURNAL ILMIAH KOHESI Vol 4 No 3 (2020): JURNAL ILMIAH KOHESI
Publisher : LP2MTBM MAKARIOZ

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Abstract

This study aims to determine the level of banking health in terms of the CAMEL analysis. The design of this research isdescriptive with quantitative research type. The data collection method in this research is the documentation method. Theanalysis technique used in this study is the analysis of bank financial statements. The results showed that a total of 15commercial banks that became the study sample showed "very healthy" results in terms of Capital (Capital Adequacy Ratio)ie with an overall average of 22.4%. In terms of Assets (Earning Assets Quality) in the "quite healthy" category which is3.32%. In terms of management (Net Profit Margin) in the category of "unhealthy" with an average total of 50.61%. In termsof Earning (Revenue) measured through the ROA and BOPO ratios which show the category of "very healthy" for the ROAratio with an average total of 4.32% and the BOPO ratio in "very healthy" conditions with an average total of 87.08% . Interms of Liquidity, it is measured by the Loan to Deposit Ratio, which is in the "quite healthy" category with an average totalof 87.99%.
PENGARUH PROFITABILITAS DAN LIKUIDITAS TERHADAP HARGA SAHAM PADA PERUSAHAAN MANUFAKTUR YANG TERDAPAT DI BURSA EFEK INDONESIA NONI LISTIA SARI; HIKMAH .
JURNAL ILMIAH KOHESI Vol 4 No 3 (2020): JURNAL ILMIAH KOHESI
Publisher : LP2MTBM MAKARIOZ

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Abstract

This study aims to obtain explanative findings that are tested on the effect of: (1) Return On Assets on stock prices, (2)Current Ratio of stock prices in manufacturing companies listed on the Indonesian stock exchange in the period 2015-2018.The research design used in this study is a causal quantitative design. The research subjects were 10 companies with thehighest profit per period listed on the Indonesian stock exchange, and the variables were ROA, CR and stock prices. Datawere collected by document recording technique, and analyzed by multiple linear regression analysis. The results of thisstudy indicate that (1) Partially Return on Assets have a significant effect on stock prices (2) Partially Current Ratio has nosignificant effect on stock prices (3) Simultaneously Return on Assets and Current Ratio have a significant effect on stockprices.
ANALISIS FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK UMUM SWASTA NASIONAL DEVISA Hikmah Hikmah
Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Vol. 2 No. 1 (2022): Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/vls.v2i1.88

Abstract

This research was conducted with the aim to find out in part the Influence of Loan Deposit Ratio (LDR), Non Performing Loan (NPL), and Net Interest Margin (NIM) partially on profitability (ROA) on Private Foreign Exchange Banks listed on the Indonesia Stock Exchange. This research uses quantitative research methods with descriptive types of research. The population in the study was 28 private banks with a sample of 7 foreign exchange banks with a five-year research period ranging from 2017  - 2020. The sample selection technique uses the purposive sampling method. The results of the t test showed that LDR and NIM had a significant effect on ROA. The NPL has no significant effect on ROA. The F test results concluded that LDR, NPL, and NIM simultaneously had a significant effect on ROA
Pembinaan Financial Education Bagi Ibu Rumah Tangga Hikmah Hikmah; Dian Efriyenti; Khadijah Khadijah
Jurnal Pengabdian Masyarakat (abdira) Vol 1, No 2 (2021): Abdira, Oktober
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/abdira.v1i2.11

Abstract

Housewives have a very big role in determining the future, especially in the field of education. Therefore, there is a need for financial education for children and understanding of parents. Based on the observations of the servants before doing the service, housewives did not understand how to introduce financial education to children and families. This service will be carried out for 5 meetings with the material for each meeting will be different to solve existing problems. The methods given during this service are lectures, tutorials and exercises. The housewives of Bengkong Permai Housing after the service have knowledge and understanding related to financial education, this can be seen from the exercises carried out at the end of the meeting. It is hoped that the results of the activities carried out by housewives can be useful for families and introduce financial education to children and families in order to create good family financial health.
Pengaruh Kepemimpinan, Lingkungan Kerja dan Komunikasi Terhadap Kinerja Karyawan Joni Joni; Hikmah Hikmah
Value : Jurnal Manajemen dan Akuntansi Vol 17 No 1 (2022): Januari - April
Publisher : Prodi Ilmu Manajemen, Fakultas Ekonomi Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jv.v17i1.2520

Abstract

Karyawan berperan penting di dalam perusahaan terutama pada proses atau kegiatan operasional perusahaan. Studi ini memiliki tujuan menganalisis serta menguji pengaruh kepemimpinan, lingkungan kerja dan komunikasi pada kinerja karyawan di PT Harasoon Batindo. Jenis studi ini menggunakan explanatory research dan deskriptif. Metode pengumpulan data berasal dari penyebaran kuesioner yang kemudian diuji dengan menggunakan aplikasi SPSS 26. Total populasi pada studi ini yakni seluruh karyawan PT Harasoon Batindo sebanyak 105 responden. Teknik sampling yang dipakai pada studi ini yakni menggunakan non probability sampling dan sampling jenuh, yang mana total sampel sama dengan total populasi. Hasil studi memperlihatkan bahwa : (1) Kepemimpinan mempunyai pengaruh yang positif dan signifikan pada kinerja karyawan PT Harasoon Batindo (2) Lingkungan kerja mempunyai pengaruh yang positif dan signifikan terhadap kinerja karyawan PT Harasoon Batindo (3) Komunikasi mempunyai pengaruh yang positif dan signifikan terhadap kinerja karyawan PT Harasoon Batindo (4) Kepemimpinan, lingkungan kerja dan komunikasi secara serentak mempunyai pengaruh yang positif dan signifikan pada kinerja karyawan PT Harasoon Batindo. Kata Kunci: Kepemimpinan, Lingkungan Kerja, Komunikasi, Kinerja Abstract Employees has an important role in the company, especially in the 's operational processes or activities. This research is to analyze and examine the influence of leadership, work environment and communication on employee performance at PT Harasoon Batindo. This type of research using explanatory and descriptive research. And the data collection method came from distributing questionnaires which were then tested using the SPSS 26 application. The population in this research is all employees of PT Harasoon Batindo as many as 105 respondents. The sampling technique used in this research is non-probability sampling and saturated sampling, where the number of samples is same as the total population. The results showed that: (1) Leadership has a positive and significant influence on the performance of PT Harasoon Batindo employees (2) The work environment has a positive and significant influence on the performance of PT Harasoon Batindo employees (3) Communication has a positive and significant influence on the performance of PT Harasoon employees. Batindo (4) Leadership, work environment and communication simultaneously have a positive and significant impact on the performance of PT Harasoon Batindo employees. Keywords: Leadership, Work Environment, Communication, Performance
PEMBINAAN PENGELOLAAN KEUANGAN KELUARGA DAN PENINGKATAN KEMAMPUAN BAHASA INGGRIS PADA IBU RUMAH TANGGA DI PERUMAHAN GRIYA TAHAP 1 BATU AJI Hikmah; Ance Jusmaya
PUAN INDONESIA Vol. 2 No. 1 (2020): Jurnal Puan Indonesia Vol.2 No. 1 Juli 2020
Publisher : ASOSIASI IDEBAHASA KEPRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (342.723 KB) | DOI: 10.37296/jpi.v2i1.28

Abstract

Being a housewife is a multi-tasking tasks and it is not an easy thing. In this case, a housewife has many roles such as should be a mother , a counselor for her daughter as well as taking care of everything. Besides, the mother is also a teacher. As we know that, the first teacher of a child is a mother. Then, the mother is also a financial manager and general administration at home. Many problems have been encountered, so a housewife tasks are very hard, in this case they have to harmonize and regulate the amount of income and increase in some basic needs and daily needs. Except the problems that regarding with financial management, the problem face also relates with the lack of knowledge of housewives in English. As a housewife needs an ability of English skill to help their children in studying later on. Those phenomenon happens in families who live in Griya Batu Aji stage 1.The solution offered housewife that a family financial management is very important for financial survival of a family. As a financial manager at home, a housewife must be able to manage expenditure and income posts. Besides, for teaching English, parents should implement a fun learning environment and learning strategies that can motivate children to learn English. A learning environment that suits the real-world context is needed so that parents can apply it to everyday learning activities with children.