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All Journal Jurnal Ilmiah Ranggagading (JIR) Jurnal Ilmiah Manajemen Kesatuan Jurnal Ilmiah Akuntansi Kesatuan Jurnal Abdimas Dedikasi Kesatuan Jurnal Aplikasi Bisnis Kesatuan ASEAN Marketing Journal
Ratih Puspitasari
Fakultas Ilmu Budaya Universitas Brawijaya
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Public Health Social Sciences Other

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Mengukur Keputusan Nasabah Melalui Analisis Brand Association Studi Kasus pada Bank Muamalat Indonesia – Cabang Bogor Mubarak, Mumuh Mulyana; Puspitasari, Ratih
Jurnal Ilmiah Ranggagading (JIR) Vol 10, No 1 (2010): Jurnal Ilmiah Ranggagading
Publisher : Sekolah Tinggi Ilmu Ekonomi Kesatuan

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Abstract

This research examines of the questions to (1) the customer behaviour in choosing variety of products offered by Bank Muamalat Indonesia in Bogor, (2) any factors that could be dominant and have an opportunity to be developed, (3) what kind of brand association that are formed by customers of Bank Muamalat Indonesia in Bogor. The main parameter in this research is based on The Respondent Characteristic Analysis and The Brand Association Analysis. The present study investigates that Security and Services could create a Brand Assocition of Bank Muamalat Indonesia in Bogor. Finally, those Five attributes will be set as an image to the customers to describe the Bank Muamalat Indonesia in Bogor. Keywords: Brand Association.
Analisis Resiko Dan Tingkat Pengembalian Saham Terhadap Portofolio Optimal Saham (Studi Kasus pada 8 saham dari LQ-45) Puspitasari, Ratih; Pramesti, Defani
Jurnal Ilmiah Ranggagading (JIR) Vol 11, No 1 (2011): Jurnal Ilmiah Ranggagading
Publisher : Sekolah Tinggi Ilmu Ekonomi Kesatuan

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Abstract

In 2007 the highest rate of return was the share of Astra International Tbk., amounting to 0,062204 and the lowest rate of return was Telekomunikasi Indonesia Tbk., amounting to 0,008778. While thw highest beta value was Astra International Tbk., amounting to 1,556123 and the lowest beta value was Aneka Tambang Tbk., amounting 0,017862. In 2008 the highest rate of return was the share of Telekomunikasi Indonesia Tbk., amounting to 0,019699 and the lowest rate of return was Perusahaan Gas Negara Tbk., amounting to 0,094074. While the highest beta value was United Tractors, amounting to 1,841033 and the lowest beta value was Telekomunikasi Indonesia Tbk., amounting to 0,806949. In 2009 the highest rate of return was the share of United Tractors, amounting to 0,114275 and the lowest rate of return was Telekomunikasi Indonesia Tbk., amounting to 0,040734. While the highest beta value was Astra International Tbk., amounting to 1599810 and the lowest beta value was Bank Danamon Indonesia Tbk., amounting to 0,239171. In 2007 there were six stocks of eight stocks that established optimal portofolio candidate. There were Aneka Tambang Tbk. with ERB’s value amounting to 1,740976 and PO at 2,95%; Perusahaan Gas Negara Tbk. with ERB’s value amounting to 0,101220 and PO at 31,23%; Medco Energi Internasional Tbk. ERB’s value amounting to 0,037370 and PO at 19,25%; Astra International Tbk. with ERB’s value amounting to 0,035366 ang PO at 27,21%; United Tractors with ERB’s value amounting to 0,033108 and PO at 15,53%; Bank Danamon Indonesia Tbk. with ERB’s value amounting to 0,027582 and PO at 3,84%. In 2008 none of the eight stocksformed optimum portfolio because in 2008 the companies’ stocks were not be able to give good return for investors. In 2009 there were six of eight shares that established optimum potfolio candidate. There were Bank Danamon Indonesia Tbk. with ERB’s value amounting to 0,270912 and PO at 37,09%; United Tractors with ERB’s value amounting to 0,071652 and PO at 44,07%; Telekomunikasi Indonesia Tbk. with ERB’s value amounting to 0,061771 and PO at 3,57%; Aneka Tambang Tbk. with ERB’s value amounting to 0,060349 and PO at 1,64%; Bank Mandiri Tbk. with ERB’s value amounting to 0,059534 ang PO at 5,55%; Astra International tbk. with ERB’s value amounting to 0,059024 and PO at 8,08%. Thereby, investors can invest their funds in stocks which will be able form optimum portfolio.
Perilaku Pembelian Produk Pakaian Bermerek Yang Dilakukan Staf Pengajar STIE Kesatuan Bogor Puspitasari, Ratih; Mubarak, Mumuh Mulyana
Jurnal Ilmiah Ranggagading (JIR) Vol 12, No 1 (2012): Jurnal Ilmiah Ranggagading
Publisher : Sekolah Tinggi Ilmu Ekonomi Kesatuan

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Abstract

Lifestyle and brand are the same with upper-middle class. There is parallelism between the famous brandand the personality. STIE Kesatuan lecturers can be the example in discussing lifestyle and brand.The purposes of this study are to find out the stage of brand preverance on clothes product, to alalyze the dominant factors that influence purchasing behaviour, and to analyze the behaviour after purchasing. This study is limited on purchasing behaviour by the lecturers and the factors which influence, the trend to choose upper-middle class brand products, and the action or behaviour after purchasing. The authors make a ranking on respondents based on data they collected, afterwards conclude brand preference stage.The ranking is arranged by percentage. The analysis is done by Image Analysis Method. The results of this study are (1) the brand preference of STIE Kesatuan lecturers is still in middle stage, (2) the dominant factor influencing customers’ purchase is product quality, (3) the dominant post-puchasing action is always choosing the upper-middle class brand products that give satisfaction, (4) the majority of respondents stated “it’s up to” when their friends or their families are going to buy clothes.
Analisis Sensitivitas Sebagai Faktor Penting Dalam Suatu Pengambilan Keputusan Investasi Hidayat, Lukman; Puspitasari, Ratih; Tantina, Tantina
Jurnal Ilmiah Ranggagading (JIR) Vol 11, No 2 (2011): Jurnal Ilmiah Ranggagading
Publisher : Sekolah Tinggi Ilmu Ekonomi Kesatuan

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Abstract

The objective of this research is to find out the feasibility of electric capacity changes expansion project from 400 MW to 520 MW at PT. Krakatau Daya Listrik, at the same time to bring about sensitiveness on four main elements at this project, that is selling, producing cost, variable cost, and investment. It’s expected from the sensitiveness analysis, the Management can revaluate cash flow estimation of the project arranged to find out how far the sensitiveness degree of cash flow to various changes of independent variable respectively will be. If a certain variable mentioned above? The research’s result shows that expansion project at PT. Krakatau Daya Listrik can be said feasible to be carried out. The consideration to decision of project feasibility can be looked at the feasibility criterion yielded, that is Net Present Value yields US$.41.397.551,- Internal Rate of Return is 6,82%, higher than PT. KDL’s rate as high as 3,05%. Payback period is 7,8 years, shorter than credit term plan of the company, that is 10 years. The evaluation’s result shows that the most sensitive in expansion project is selling element. It has been proven by the author by performing sensitiveness analysis graph of changes on four elements above. The steepest element change is the most sensitive element. Because of selling is the most sensitive element, it’s the duty of PT. KDL Management to supervise either the realization of the project or its selling price if CCPP 120 MW project will be put in operation. This one must be taken notice because just by selling decreas of 5% the project won’t have feasibility to be carried out.
Analisis Lindung Nilai Dengan Menggunakan Swap Dan Forward Untuk Mengurangi Resiko Transaction Eksposure ., Farhana; Puspitasari, Ratih
Jurnal Ilmiah Manajemen Kesatuan Vol 5 No 1 (2017): JIMKES Edisi April 2017
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (405.183 KB) | DOI: 10.37641/jimkes.v5i1.26

Abstract

Hedging is the one of activities is performed by a company or a bank to protect their business from the risk of changes caused by exchange rates or exchange rate fluctuations. There are some things that should be considered by companies whom often perform the transactions related to interest rate and exchange rate. For example, banks should monitor the company performance against losses caused by foreign exchange and also arrange the strategy, because it is necessary for the company to perform hedging. The research is purposed to learn how to minimize the risks of losses experienced by banks due to hedging techniques usage. The hedging techniques performed are swap and forward hedging. The method used in this study correlation coefficient and simple regression to determine the relationship between the variables in question. The result of this research shows that hedging technique in the buying and selling transactions of foreign exchange has more benefit rather than not. It can avoid the risks of transaction exposures. It can be seen from the significant level, Forward has the significant level in the amount of 0,000. It means the Forward Hedging Technique has an effect to the transaction exposure and Hedging transaction using Swap has the benefit rather than not. The significant level in the amount of 0,007 is smaller than 0,05. It means that Swap Hedging Technique has an effect to the transaction exposure. Accordingly, Forward and Swap deserve to be considered by companies or banks to avoid the risks of transaction exposures.
Pengaruh Perputaran Kas, Perputaran Piutang, Dan Perputaran Persediaan Terhadap Profitabilitas Perusahaan Puspitasari, Ratih; Yolanti, Tiara Novita
Jurnal Ilmiah Manajemen Kesatuan Vol 4 No 3 (2016): JIMKES Edisi Desember 2016
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

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Abstract

Cash turn over, accounts receivable turn over, and inventory turn over have a strong. Three components capital work can be managed in defferent ways to maximize profitability or to improve the growth in the company. The purpose of this study was to determine the influence of cash turnover on profitability of the company, how the receivables tunover on the profitability of the company, how the inventory turnover on the profitability of the company, how the cash turnover and account receivable turnover on the profitability of the company, how the cash turnover and inventory turnover on the profitability of the company, how the account receivable turnover and inventory turnover on the profitability of the company, how the cash turnover, account receivable turnover, and inventory turnover on the profitability at the company PT. Mayora Indah, Tbk, PT. Ultrajaya Milk Industry, Tbk, and PT. Delta jakarta, Tbk years 2010-2014. The method used is descriptive study, ratio analysis, and statical analysis. Based on the result of research can be concluded that the PT. Mayora Indah, Tbk, PT. Ultrajaya Milk Industry, Tbk, and PT. Delta jakarta, Tbk cash turnover has a negative and significant effect on profitability of the company, account receivable turnover has a positive and significant impact on profitability of the company, inventory turnover has a positive and significant effect on profitability of the company, cash turnover and account receivable turnover that cash turnover has a negative and significant effect on profitability of the company and account receivable has a positive and significant impact on profitability of the company, cash turnover and inventory turnover that cash turnover has a negative and significant effect on profitability of the company and inventory turnover has a positive and significant effect on profitability of the company, account receivable turnover and inventory turnover that account receivable turnover has a positive and significant impact on profitability of the company and inventory turnover has a positive and significant effect on profitability of the company, and cash turnover, account receivable turnover, and inventory turnover simultaneously no significant effect on profitability.
Analisis Kebijakan Manajemen Keuangan jangka panjang (Studi kasus pada PT Ciputra Development Tbk) Pamungkas, Rio; Puspitasari, Ratih
Jurnal Ilmiah Manajemen Kesatuan Vol 6 No 2 (2018): JIMKES Edisi Agustus 2018
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (180.303 KB) | DOI: 10.37641/jimkes.v6i2.156

Abstract

Kebijakan manajemen keuangan jangka panjang merupakan kebijakan yang berhubungan dengan modal perusahaan. Pendanaan perusahaan dapat berasal dari hutang atau ekuitas yang dimiliki perusahaan. Ekuitas perusahaan dapat berasal dari modal sendiri dan modal pemegang saham atau obligasi. Tujuan dari penelitian ini yaitu untuk mengetahui kebijakan keuangan jangka panjang pada PT Ciputra Development TBK untuk mengetahui sumber modal yang di gunakan oleh perusahaan; untuk mengetahui kinerja keuangan jangka panjang perusahaan. Hasil penelitian ini menunjukan bahwa perusahaan lebih dominan menggunakan ekuitas dari pada hutang untuk keperluan modal perusahaan. Hal tersebut ditunjukan oleh rasio DAR yang rata – rata selama 5 tahun hanya mencapai 32,2% artinya modal perusahaan yang dibiayai dengan hutang hanya 32,2% baik hutang jangka panjang dan hutang jangka pendek. Sedangkan rasio DER 67,8% artinya modal perusahaan yang didanai oleh ekuitas sendiri dan dana dari pemegang saham PT Ciputra Development Tbk lebih besar persentasinya dari modal yang memanfaatkan hutang jangka panjang atau jangka pendek
Dampak Literasi Dan Inkuisi Keuangan Terhadap Kinerja Pelaku UMKM Di Kota Bogor Puspitasari, Ratih; Astrini, Danti
Jurnal Ilmiah Manajemen Kesatuan Vol 9 No 2 (2021): JIMKES Edisi Agustus 2021
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v9i2.771

Abstract

Tujuan penelitian ini adalah untuk mengkaji lebih lanjut. (1) Bagaimana pengaruh literasi keuangan terhadap kinerja pelaku UMKM di kota Bogor? (2) Bagaimana pengaruh inklusi keuangan terhadap kinerja pelaku UMKM di kota Bogor? (3) Bagaimana pengaruh literasi keuangan dan inklusi keuangan terhadap kinerja pelaku UMKM di kota Bogor? Metode penelitian yang digunakan dalam penelitian ini adalah metode survey dengan menggunakan kuesioner. Penelitian ini dibatasi hanya pelaku UMKM di kota Bogor yang dilakukan pada bulan November 2020. Data yang digunakan di dalam penelitian ini merupakan data hasil survei terhadap 102 responden. Hasil penelitian menunjukkan bahwa Literasi keuangan berpengaruh terhadapa kinerja UMKM, Inklusi keuangan tidak berpengaruh terhadap kinerja UMKM, Literasi keuangan dan inklusi keuangan secara bersama-sama berpengaruh terhadap kinerja UMKM dan Hasil uji koefisien determinasi (R2) menunjukkan bahwa nilai nilai R2 variabel kinerja UMKM sebesar 0.47 artinya variabel kinerja UMKM sebesar 47% dipengaruhi oleh variabel literasi keuangan dan inklusi keuangan sedangkan sisanya 53% diperngaruhi oleh variabel lain di luar dari model penelitian ini.
ANALISIS PERPUTARAN ASET, PERPUTARAN MODAL KERJA TERHADAP RETURN ON ASSETS Puspitasari, Ratih; Sahala, Bintang; Cecilia, Cecilia
Jurnal Ilmiah Manajemen Kesatuan Vol 3 No 2 (2015): JIMKES Edisi Agustus 2015
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v3i2.819

Abstract

The purpose of this study was to determine and analyse whether or not the relationship between asset turnover and return on assets of a company, to analyze whether there is any relationship working capital turnover and return on assets of a company, and to analyze a relationship between asset turnover, working capital turnover against return on assets of a company. The research conducted by the author at. Indofood Sukses Malanur Tbk, PT. Mayora Indah Tbk, PT. Ultrajaya Milk Industry & Trading Company. The result showed the tumover of assets as measured by TATO, working capital tumover, as measured by NWCTO, the return on assets measured by ROA at. Indofood Sukses Malanur has a positive effect and no significant between asset turnover, working capital turnover on return on assets. PT.Mayora Indah Tbk obtained results asset tumover (TATO) had no significant positive effect on retum on assets andfor working capital turnover (NWCTO) has a negative and no significant effect. While at PT. Ultrajaya Milk Industry & Trading company obtained the result that the asset turnover (TATO) has a positive and significant effect on return on assets and for working capital turnover (NWCTO) has a negative and no significant effect on PT. Ultrajaya Milk Industry & Trading Company Tbk Keywords: Asset Turnover, Working Capital Turnover, Return on Assets
Analisis Pengelolaan Persediaan Dan Pertumbuhan Penjualan Terhadap Kesehatan Likuiditas Perusahaan Puspitasari, Ratih; Sopiana, Eka
Jurnal Ilmiah Manajemen Kesatuan Vol 3 No 3 (2015): JIMKES Edisi Desember 2015
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v3i3.830

Abstract

Inventory is an important element in a company asset. Due to various consideration such as decreasing factor, losses, and market changes of demands, the management has to constantly do a reviews supervisions so that the funds invested to the inventory will not overly spent and so the company's operational run as it should. The vain surplus of inventory will not only weakened the liquidity health ofa company but also could be a loss and otherpotential disadvantages. Management of inventory and product takes important part of company's operational continuity. Thus, wellorganized inventory management system is stmngly advised to ensure the wellness of the company's performance. To measure the company's performance in managing the inventory, the company can use analytic ratio that includes INTO (Inventory Turnover). One of other option is using company liquidity's health analysis to see if the inventory management and sales growth affects the health of company's liquidity. The purpose of this research is to identifi and analyze the ratio of inventory management, sales growth and the health of company's liquidity with the use of INTO ratio and the sales that measured with the current ratio. This research is based on PT. Mayora Indah, Tbk, PT. Indofood Sukses Makmur, Tbk. and PT.Ultrajaya Industry & Trading Company, that market in the Food & Beverages industrialfield. This research which used analytic ratio has proven that inventory management and a positive sales growth do not give any significant influence towards company's liquidity health, because the increasing or the decreasing of inventory management and sales growth are not always followed by the increasing or the decreasing ofthe health of company's liquidity. Keyword: Inventory Management, Sales Growt, Liquidity
Co-Authors Astrini, Danti Budi Setiawan Cecilia, Cecilia Defani Pramesti Farhana ., Farhana Fitriani, Nuri Lukman Hidayat Mumuh Mulyana Nani Cahyani Pamungkas, Rio Sahala, Bintang Sasmita, Theresia Siti Ita Rosita Sopiana, Eka Tantina Tantina Tarida Marlin Surya Yolanti, Tiara Novita