MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah

Pengaruh Audit Internal dan GCG terhadap Penyaluran Pembiayaan Kredit Usaha Rakyat melalui Penerapan Manajemen Risiko

Deni Deni, Musa Hubeis, Mimin Aminah — Wed, 25 Sep 2024 09:55:47 +0700

The People's Business Credit Financing Program (KUR) is one of the government's initiatives to increase access to financing for MSMEs. Increasing KUR distribution has the potential to increase the risk of financing problems, so it is important to mitigate this. This research aims to (1) analyze the influence of internal audit on GCG, (2) the influence of GCG on risk management, (3) the influence of internal audit on risk management, (4) the influence of GCG on KUR distribution, (5) the influence of internal audit on distribution KUR and (6) the influence of risk management on KUR distribution. The sample for this research was 121 respondents who worked at PT. BSI Central Java Region, taken using a multistage-random sampling technique. Data collection was carried out by distributing questionnaires online, then analyzed using descriptive analysis and SEM-PLS using the SmartPLS application. The research results show that (1) internal audit has a significant influence on Good Corporate Governance (GCG); (2) GCG has a significant influence on risk management; (3) internal audit also has a significant effect on risk management; (4) GCG also has a significant effect on the distribution of People's Business Credit (KUR); (5) internal audit does not have a significant influence on KUR distribution; (6) risk management has a significant effect on KUR distribution

Analisis Adopsi dan Penggunaan Aplikasi Pertanian Digital oleh Petani Skala Kecil di Kabupaten Tuban dengan Model UTAUT

Maruli Tua Sihombing, Musa Hubeis, Eko Ruddy Cahyadi — Wed, 25 Sep 2024 10:06:36 +0700

The agricultural sector, as the cornerstone of food security in Indonesia, is predominantly managed by smallholder farmers who are still accustomed to conventional methods. The challenges of climate change will affect the upstream agricultural industry, necessitating farmers to digitally transform their operations to enhance productivity. Digital-based agricultural applications have been introduced by several technology service developers to farmers, but their adoption rates are still relatively low. One common model used to study the acceptance and use of technology is the Unified Theory of Acceptance and Use of Technology (UTAUT). The UTAUT model has not been widely applied in Indonesia, specifically among smallholder farmers with specific characteristics. This research aims to analyze the factors influencing the intention and behavior of smallholder farmers to adopt and use digital agricultural application technology using the UTAUT model. The research was conducted from March to April 2024 in the agricultural hub region of Tuban Regency, with 124 smallholder farmers as respondents, using purposive sampling technique. This research utilized a descriptive data analysis method based on cross-tabulation with an SEM-PLS approach. The findings indicate that performance expectations, effort expectations, and facilitation conditions collectively influence the behavior of using digital agricultural applications through farmers' behavioral intentions. Differences in age levels were found to moderate the relationship among variables. Younger farmers need to be fully engaged in utilizing the dissemination of digital agricultural application technology through training practices supported by improved facilities

Forecasting Tingkat Kesehatan dan Ketahanan Perbankan di Indonesia

Dwinisa Hamdillah, Wita Juwita Ermawati, Gendut Suprayitno — Mon, 30 Sep 2024 09:58:30 +0700

The number of commercial banks in Indonesia after the 2008 global crisis declined. The decrease in this number was caused by mergers, consolidations, acquisitions, integrations and conversions in the context of forming a resilient national banking industry structure. To ensure a stable banking sector, these banks must be evaluated through a Risk-based Bank Rating. When the 2008 global crisis economic shock and the COVID-19 pandemic occurred, the banking intermediary function was disrupted. In these conditions, the financial performance of banks also experienced a decline. This study aimed to assess the bank rating and resilience of banks in 2008-2020, forecast the bank rating and resilience of banks in Indonesia in 2021-2030 and analyze the effect of bank rating on bank resilience. This study used secondary data, that is a annual financial reports published by the Financial Services Authority. The data was analysed by ARIMA and panel data regression. The results showed that the bank rating and resilience of commercial banks declined during the economic shocks of the 2008 global crisis and the 2020 Covid pandemic. It is predicted that the resilience of commercial banks will increase in 2021-2030. Earnings as measured by ROA had a positive effect on bank resilience. Credit risk (NPL) had a negative effect on resilience, while liquidity risk (LDR) showed a positive effect on the resilience of commercial banks in Indonesia. GCG and Capital had no effect on bank resilience

Strategi Peningkatan Portofolio Kredit Usaha Rakyat Pasca Pandemi Covid-19 Pada PT Bank Syariah Indonesia, Tbk Area Bekasi

Aji Patra Aria Prabowo, Musa Hubeis, Sudradjat Sudradjat — Thu, 22 Aug 2024 00:00:00 +0700

Micro, Small, and Medium Enterprises are one of important businesses in national economic growth, there are 195,553 MSMEs in the city and district of Bekasi based on KEMENKOP data and the Bank has an important role in the development of the sector in Indonesia. Bank Syariah Indonesia (BSI) is one of the Islamic financial institutions that provides financing through the People's Business Credit (KUR) program but with a portfolio still below conventional banks so a strategy is needed to increase the value of the KUR portfolio at PT BSI, Tbk. The research methodology uses a qualitative and quantitative mixed-method approach. The objectives of this study are (1) to analyze the current condition of MSMEs receiving KUR from PT BSI, Tbk, Bekasi Area, (2) to analyze the KUR portfolio of PT BSI, Tbk Bekasi Area, and (3) to develop a strategy to increase the KUR portfolio of PT BSI, Tbk Bekasi Area. The data used in this research are primary and secondary data. Primary data was obtained from selected respondents directly through questionnaires, interviews, and Focus Group Discussion. Secondary data is obtained from literature studies and BI internal and external data. The analysis used in this research is descriptive/situational analysis to explain existing phenomena and conditions and the Analytic Hierarchy Process (AHP). This study uses 211 customer data as a population. For analysis purposes, this study took a sample of 10% of the customer population. Sampling and research were taken in the Bekasi area because (1) The researcher's office is in the Bekasi area, (2) Based on the results of KEMENKOP data, the number of Micro, Small and Medium Enterprises in the Bekasi area is suitable for research, (3) Micro, Small and Medium Enterprises in Bekasi city can represent each KUR distribution segment. The results showed that most respondents did not experience difficulties in paying KUR loans and the strategy that was considered the most reliable in increasing the KUR portfolio of PT BSI, Tbk was to provide a special program for MSMEs that were bankable (KUR micro to KUR small class).

Strategi Pemulihan Usaha Kecil Dan Menengah Pasca Pandemi Covid-19 Pada Nasabah PT Bank Syariah Indonesia, Tbk. Regional Jakarta 1

Sami Gauzi, Musa Hubeis, Wini Trilaksani — Mon, 30 Sep 2024 13:03:29 +0700

The COVID-19 pandemic caused economic instability, affecting small and medium-sized businesses (SMEs). The aims of the study were (1) to analyze the real conditions of SMEs customers of PT Bank Syariah Indonesia, Tbk (BSI) during and after the Covid-19 pandemic; (2) to determine the SMEs recovery strategy after the Covid-19 pandemic for customers of BSI; and (3) to formulate the SMEs recovery strategy after the Covid-19 pandemic for customers of BSI. The study was conducted on customers of BSI Regional Jakarta 1. The research period from July to December 2023. The analysis methods used descriptive analysis, Business Impact Analysis, SWOT analysis, and Analytical Hierarchy Process (AHP). Results showed shifts in risk among SMEs from 2020 to 2023, with agriculture being low-risk and transportation high-risk. SWOT analysis provided alternative strategies namely (1) enhancing digital financing financing services; (2) offering technology-based business training and mentoring programs; (3) enhancing financial literacy through tech-based education; and (4) providing inclusive Financing Relaxation Programs. The AHP analysis emphasized the importance of targeted financing relaxation, assigning it a high weight score of 0,565 as the primary strategy for SMEs recovery post-COVID-19.

Analisis Strategi Untuk Meningkatkan Daya Saing Program Warung BAZNAS Kabupaten Sukabumi

Esti Rahmani Ayu, Muhammad Findi, Tjahja Muhandri — Mon, 30 Sep 2024 14:42:39 +0700

Micro businesses in absorbing labor are a business sector that has succeeded in reducing the number of unemployed. Warung BAZNAS was formed in 2019 as a basic food business with 50 stalls. The objectives of this research are: 1. Identify the number of BAZNAS stalls that are still operating and those that are not operating (closed). 2. Identify what percentage of Warung BAZNAS are munfiq. 3. Analyze the strengths, weaknesses, opportunities and threats of Warung BAZNAS. 4. Develop a Warung BAZNAS strategy. Data obtained using the Strengths-Weaknesses-Opportunities-Threats (SWOT) Matrix and Porter's Five Forces. The research results show that: 1. BAZNAS stalls, which originally numbered 50, now only 33 are still operating. 2. The number of BAZNAS stalls that become munfiq in 2021-2023 is 32 stalls or 64%. 3. Warung BAZNAS is in quadrant V, including companies that are resistant and maintain. The focus of this organization is breakthroughs in markets and product development (David et al 2011). 4. The SWOT analysis strategy is simple sales recording, excellent service, discounts or discounts, payment systems to distributors, strategic location selection, returning goods to distributors, goods delivery systems from distributors, procurement of merchandise from distributors, competitive selling prices. Meanwhile, the Five Forces strategy includes competition in the industry, namely food stalls, the potential for the entry of new competitors, namely new stalls, the potential for developing substitute products, namely the diversity of basic food products, the bargaining power of suppliers, namely distributors, and the bargaining power of consumers, namely price perception

Strategi Pengembangan dan Analisis Kelayakan Usaha Pada PT XYZ (Studi Kasus : Tenant Badan Riset Inovasi Nasional)

Eka Novah Yuanto, Sapta Raharja, Mimin Aminah — Tue, 01 Oct 2024 13:09:05 +0700

PT XYZ is a company engaged in footwear/shoes, innovative products in the form of aromatherapy shoes equipped with essential oil extracts from orange peel waste which are useful to suppress the growth of bacteria that cause foot odor. Currently PT XYZ is receiving support from the government through a business incubatror institution, in the form of coaching to increase sales value supported by facilities and access to technology. The objectives of this study are (1) to identify internal and external factors that affect business development; (2) to analyze the business feasibility of PT XYZ; (3) to determine priority strategies for business development. The methods used in this research are SWOT analysis and Analytical Hierarchy Process. While business feasibility uses the calculation method of Payback Period, Net Present Value, Internal Rate of Return, Break Even Points. Internal factors that become strengths are always innovative to new products that are in demand by the market, while weaknesses are complicated recording of expenses and income. The external factor that becomes an opportunity is that as a tenant BRIN can use the lab and the threat is the theft of aromatherapy ideas. The business feasibility analysis is considered feasible and the results of the Determination of strategic priorities with AHP produce four strategic priorities

Tingkat Kepuasan Konsumen Terhadap Coffee Shop Di Bandar Lampung

Parida Parida, Rini Desfaryani, Marlinda Apriyani, Sutarni Sutarni — Mon, 14 Oct 2024 13:29:23 +0700

Indonesia merupakan salah satu produsen kopi terbesar didunia. Salah satunya Provinsi Lampung yang terkenal dengan produksi kopinya, Provinsi Lampung mampu menghasilkan 294.440 ribu ton kopi. Produksi kopi yang melimpah ini diikuti dengan semakin meningkatnya minat masyarakat untuk menikmati kopi. Perubahan gaya hidup masyarakat perkotaan yang cenderung mengikuti zaman atau tren. Tujuan dari penelitian ini adalah untuk (1) menganalisis karakteristik konsumen coffee shop di Bandar Lampung, (2) menganalisis Tingkat Kepuasan Konsumen Terhadap Atribut produk coffee shop di Bandar Lampung (3) Menganalisis Tingkat Kepentingan Coffee Shop di Bandar Lampung. Tekhnik pengambilan sampel dengan metode penarikan sample yang dipilih yaitu Purpossive Sampling, yaitu sampel yang dipilih untuk penelitian ini, ada tiga usaha Coffee Shop di Kota Bandar Lampung. Hasil dari penelitian ini Hasil analisis karakteristik responden Coffee Shop Bandar Lampung didapatkan bahwa konsumen yang paling banyak berkunjung yaitu responden yang berdomisili di Bandar Lampung, berjenis kelamin laki-laki, dengan rata-rata umur 17-25 tahun. Kebanyakan responden memiliki status pendidikan dan pekerjaan sebagai mahasiswa dengan pendapatan rata-rata per bulan yaitu Rp1.000.000-Rp3.000.000. Berdasarkan hasil analisis CSI menunjukkan nilai tingkat kepuasan konsumen di Coffee Shop adalah sebesar 89,32% masuk kedalam kategori sangat puas. Berdasarkan hasil analisis Importance Perfomnace Analysis (IPA) atribut yang harus di perbaiki yaitu atribut pada kuadran I (harga, aroma, desain) dikarenakan konsumen merasa penting akan tetapi tidak mendapatkan sesuai yang diinginkan. Atribut yang harus dipertahankan, yaitu atribut pada kuadran II (harga, rasa, kemasan dan suasana) agar konsumen tidak berpindah Coffe atau perusahaan