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All Journal JURNAL EKONOMI AKUNTANSI DAN MANAJEMEN Quantitative Economics and Management Studies
Reswanda Reswanda, Reswanda
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Mathematics

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PENGARUH DANA PIHAK KETIGA, CAPITAL ADEQUECY RATIO, FINANCING TO DEPOSIT RATIO, DAN NON PERFORMING FINANCING TERHADAP PENYALURAN PEMBIAYAAN PADA PT BPRS LANTABUR JOMBANG Reswanda, Reswanda; Wahyu C, Wenda
JURNAL EKONOMI AKUNTANSI DAN MANAJEMEN Vol 13, No 2 (2014)
Publisher : Universitas Jember

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Abstract

PT. BPRS Lantabur merupakan satu-satunya BPRS yang ada di kota Jombang yang memfokuskan usaha pada micro banking yang berlandaskan prinsip syariah. Seiring dengan pertumbuhan BPRS Lantabur, kondisi outstanding pembiayaan dan asset semakin berkembang pesat dari waktu ke waktu. Khususnya dalam hal perkembangan outstanding pembiayaan, terdapat faktor-faktor yang mempengaruhi penyaluran pembiayaan tersebut. dalam hal ini adalah faktor-faktor internal yang juga merupakan rasio untuk mengetahui tingkat kesehatan suatu bank. Oleh karena itu, perlu dilakukan pengujian apakah faktor-faktor internal yang meliputi DPK (Dana Pihak Ketiga), CAR (Capital Adequacy Ratio), FDR (Financing to Deposit Ratio) dan NPF (Non Performing Financing) berpengaruh signifikan terhadap penyaluran pembiayaan. Penelitian ini menggunakan PT. BPRS Lantabur sebagai obyek penelitian dengan periode penelitian dari bulan Januari 2011 hingga bulan Desember 2012. Teknik analisis yang digunakan adalah regresi linier berganda. Sedangkan untuk uji hipotesis menggunakan uji-t (menguji pengaruh variable secara parsial) dan uji-F (menguji pengaruh variable secara simultan) dengan tingkat signifikansi 5%. Berdasarkan penelitian diperoleh hasil bahwa DPK (Dana Pihak Ketiga) dan FDR (Financing to Deposit Ratio) berpengaruh signifikan terhadap penyaluran pembiayaan pada BPRS Lantabur, sedangakan CAR (Capital Adequacy Ratio) dan NPF (Non Performing Financing) tidak berpengaruh signifikan terhadap penyaluran pembiayaan pada PT. BPRS Lantabur. Sehingga untuk meningkatkan penyaluran pembiayaan, PT. BPRS Lantabur wajib melakukan penghimpunan dana secara optimal, sedangkan CAR (Capital Adequacy Ratio) dan NPF (Non Performing Financing) tidak berpengaruh signifikan terhadap penyaluran pembiayaan dikarenakan permodalan PT BPRS Lantabur cukup kuat dan memiliki kemampuan manajemen yang baik dalam mengelola portofolio pembiayaan. Meskipun demikian BPRS Lantabur tetap wajib menjaga posisi CAR (Capital Adequacy Ratio) tidak kurang pada angka 8% dan menjaga posisi NPF (Non Performing Financing) pada angka kurang dari 10% sesuai ketentuan dari Bank Indonesia
PENGARUH ORIENTASI KEWIRAUSAHAAN TERHADAP PEMBELAJARAN ORGANISASI,KEUNGGULAN DAYA SAING BERKELANJUTAN DAN KINERJA USAHA PADAUMKM KERAJINAN KULIT BERORIENTASI EKSPOR DI SIDOARJO Reswanda, Reswanda
JURNAL EKONOMI AKUNTANSI DAN MANAJEMEN Vol 11, No 2 (2012)
Publisher : Universitas Jember

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Abstract

The objective of this research was tested the effect of entrepreneurships orientation towards organizational learning, sustainable competitive advantage and business performance of Micro, Small and Medium Enterprises (MSME) Handycraft Leather-based Export Oriented at Tanggulangin, Sidoarjo. The study was a confirmatory carries out by testing several hypotheses in order to figure out the causal relationship of all the above variables. All Micro, Small and Medium Enterprises (MSME) Handycraft Leather-based Export Oriented at Tanggulangin, Sidoarjo, 110 MSME all together were taken as the population of this research. The study employed complete enumeration or census method; hence, sample and sampling technique were not required. The technical analysis applied to test the research hypothesis was Structural Equation Modeling (SEM) with the support of AMOS 16.0 program. The result of research showed that there were direct, significant and positive relationships between entrepreneurship orientation and organizational learning; there were direct, significant and positive relationships between entrepreneurship orientation and sustainable competitive advantage; there were direct, significant and positive relationships between organizational learning and performance and there were direct, significant and positive relationships between sustainable competitive advantage and business performance. There were no relationships between entrepreneurship orientation and business performance and there were no relationships between organizational learning and sustainable competitive advantage at handycraft leather-based export oriented at Tanggulangin, Sidoarjo. Benefit of this research can be used as scientific information regarding the variables of entrepreneurship orientation, organizational learning, sustainable competitive advantage and business performance. It can also be used as a basis to motivate improvement small scale industry. Keywords: Entrepreneurship orientation, organizational learning, sustainable competitive advantage, business performance, micro, small and medium enterprises
Break Even Point Analysis As A Basic of Profit Planning In Handal Insan Sentosa Batik Business Arfianti, Ucik; Reswanda, Reswanda
Quantitative Economics and Management Studies Vol. 1 No. 3 (2020)
Publisher : Yayasan Ahmar Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (419.001 KB) | DOI: 10.35877/454RI.qems90

Abstract

Batik is a craft that has high artistic value and has been a part of Indonesian culture for a long time. One of the centers of written batik in Sidoarjo is Reliable Insan Sentosa written batik which is a container in the effort to preserve batik itself. This study aims to analyze the amount of company revenue and production in the state of reaching Break Even Point. The method used in this study is a qualitative descriptive method, to get a clearer and more detailed picture based on the data and information that has been obtained. The results showed that the business of reliable handmade batik sentosa level of profit earned Rp. 12,182,325, where the break even point of sales achieved was Rp.199,000,000 with a total of 199 units. The achieved margin of safety is 10% or Rp.22,200,000 from sales. So that the margin of safety obtained is Rp.199,800,000. In this case the greater the margin of safety the better for the company because the company can experience a significant decline. MSMEs are advised to classify costs to prepare financial reports and apply a BEP analysis to determine financial condition.
Co-Authors Arfianti, Ucik Wenda Wahyu C, Wenda