Jurnal Bisnis & Manajemen

KELAYAKAN KREDIT DAN PENETAPAN PLAFON KREDIT MODAL KERJA CALON DEBITUR UMKM DI PT. BANK PEMBANGUNAN DAERAH NUSA TENGGARA TIMUR

2024-07-23T09:24:27+00:00

Working Capital Loan is one of the products the bank earning credits given to the public, especially for MSMEs. Bank NTT as a regional Bank in East Nusa Tenggara distributes working capital loans to its customers through a detailed analysis process. The purpose of the study is to examine how the Bank methods to assess the credit worthiness and the determination of the amount of credit limit for prospective borrowers, especially MSMEs and settlement of non-performing loan (NPL) at Bank NTT. This research uses descriptive qualitative method. The results of research conducted by interview, observing, and study the relevant documents at the bank shows that the assessment of the credit worthiness of the bank has been fully implemented in accordance with the method of evaluation of credit worthiness in general, in addition the bank also has a special method in the assessment of credit. The method used is fully set forth in the memorandum of the analysis so that the results will be more accurate assessment, effective, and thorough, so detailed is seen from the information obtained to analyze prospective borrowers who apply for a working capital loan and the non-performing loan (NPL) solve is whether by credit management, credit transfer, credit coaching, credit rescue, credit settlement, or by remove book and remove receivable. Suggestion for the management of the bank and credit system which has been well maintained is order to be able maintain and improve the performance and credit quality.

ANALISIS PERENCANAAN LUAS PRODUKSI TENUN IKAT LABALEKO PADA KELOMPOK TENUN IKAT JIWA KARYA DI DESA KODAKA KECAMATAN KOTA WAIKABUBAK KABUPATEN SUMBA BARAT

2024-07-23T09:24:27+00:00

The research results show that: 1). The leadership of Tenun Ikat Jiwa Karya has not been right in making good wide production planning. Production planning carried out by the leadership is only based on proper experience from year to year. Based on the analysis to achieve optimum profit, the leadership of Tenun Ikat Jiwa Karya must be able to make production planning in a more careful and detailed manner against the existing production planning analysis. 2). From the results of the analysis, it can be seen that sales forecasting for Sarongs, Blankets, Slings. For the next 3 years, namely in 2023, sales of 257 sarongs are predicted, and in 2024 there will be 289 sheets, and in 2025 there will be 297 sheets. In 2023 there will be 181 blankets, 190 sheets in 2024, and 198 sheets in 2025. For 2023 slings there will be 858 sheets, 893 sheets in 2024 and 928 sheets in 2025. 3) The results of the Break Event Point (BEP) analysis showed that Tenun Ikat Jiwa Karya produced 4 sarongs or Rp.14.000.000 ,4 blankets or Rp. 2.340.425, and 294.117 sarongs or 15.000.000. the company makes a profit or does not suffer a loss because the company is at the main return point due to the minimum amount that must be produced by the company. If the company produces below this amount, the company will suffer losses because the sales obtained cannot cover the costs incurred by the company and if the company produces above this amount, the company will make a profit. The results of this study are expected to be input and evaluation for Ikat Jiwa Karya weaving in planning the production of sarongs, blankets, slings in order to benefit the company

PENGARUH KUALITAS LAYANAN TERHADAP KEPUASAN PELANGGAN (STUDI PADA PELANGGAN JASA TRANSPORTASI ONLINE MAXIM KOTA KUPANG)

2024-07-23T09:24:28+00:00

This study aims to find out and analyze how customer perceptions of tangibility, empathy, responsiveness, reliability, assurance and customer satisfaction, how partially and simultaneously influence tangibility, empathy, responsiveness, reliability and assurance on customer satisfaction. This study uses tangibility, empathy, responsiveness, reliability and assurance as the independent variables and customer satisfaction as the dependent variable.

The number of samples is 100 respondents, the sampling technique used is purposive sampling. Data collection was carried out using questionnaires, interviews and literature studies. The data analysis technique used is descriptive quantitative, multiple linear regression analysis and hypothesis testing through the t test and f test, using the IBM SPSS V 26 application.

The results of the descriptive analysis show that respondents gave very high perceptions of Tangibel and Reability, while respondents gave high perceptions of Empathy, Responsiveness and Assurance. From the results of multiple linear regression analysis, the equation is obtained: Y = 4.907 + 3.217 X1 – 616 X2 + 0.925 X3 + 2.125 X4 + 0.357 X5, the results of the t test show that partially Tangible and Reability have a significant effect on customer satisfaction and partially Empathy, Responsiveness and Assurance has no significant effect on customer satisfaction. The results of the f test show that tangibility, empathy, responsiveness, reliability and assurance simultaneously have a significant effect on customer satisfaction. based on the adjusted R Sqaure coefficient value Tangible variable (X1), empathy (X2), Responsiveness (X3), Reliability (X4), Assurance (X5) to the Customer Satisfaction variable (Y) of 0.696 or 69%. This shows that the contributions made by the independent variables, namely Tangibility (X1), Empathy (X2), Responsiveness (X3), Reliability (X4), Assurance (X5) are 69% while the rest (100% -69% = 31% ) is influenced by other variables besides the service quality variable, namely the dimensions of Tangibility (X1), empathy (X2), Responsiveness (X3), Reliability (X4), and Assurance (X5)

PENGARUH KOMPENSASI LANGSUNG DAN LINGKUNGAN KERJA TERHADAP KINERJA KARYAWAN PADA MINIMARKET BANDUNG UTAMA GRUP CABANG REO MANGGARAI

2024-07-23T09:24:28+00:00

This study aims to (1) Describe the effect of direct compensation, work environment, and employee performance on the Bandung Utama Minimarket Group Reo Manggarai Branch. (2) Assessing the effect of direct compensation on employee performance at the Bandung Utama Minimarket of the Reo Manggarai Branch Group. (3) To test the effect of the work environment on employee performance at Minimarket Reo Manggarai Bandung Utama Branch Group. This research is a study that explains the cause-and-effect relationship (causal) between dependent variables and independent.

The population in this study is employees at Minimarket Bandung Utama Reo Branch Group which amounts to 45 employees. The number of samples in this study was 45 respondents using saturated sampling techniques. Data collection in the study was carried out by field research using several methods, namely: interviews, questionnaires, observations, and comments. The data analysis techniques used are descriptive analysis and multiple linear regression analysis as well as hypothesis testing using the SPSS V25 program.

The results of this study show that direct compensation is stated to have an effect but not significantly on employee performance, this is expressed by the magnitude of the calculated value (1.819) < table (1.681) or significant value (0.076) > (0.05). Work environment variables are stated to have a positive and significant effect on employee performance variables. This is known from the value of the working environment variable t test (X2) tcalculate of 2.727, while t table is known to be 0.05 alpa of 1.681, then the result is tcalculate (2.727) > t table (1.681). Then, based on the results of the SPSS calculation, the F value is calculated > F table (10.284 > 3.214), meaning that direct compensation (X1) and Work Environment (X2) simultaneously affect employee performance (Y). Based on the coefficient of determination test, it is known that the Adjusted R Square value obtained is 0.294 or 29.4 which means that 29.4% of the variation that occurs in low employee performance is caused by direct compensation (X1) and work environment (X2), while the remaining 70.6% is influenced by other variables. According to Siagian (2002;124) that employee performance is influenced by salary, work environment, organizational culture, leadership and motivation, work discipline and job satisfaction. From the results of this analysis, the Reo Manggarai Branch Group’s Main Bandung Minimarket is expected to always maintain and increase direct compensation and the environment so that employee performance can be carried out effectively and efficienly.

PENGARUH KOMPENSASI DAN LINGKUNGAN KERJA NON FISIK TERHADAP KINERJA KARYAWAN PADA PT. BARELANG KARYA

2024-07-23T09:24:29+00:00

This study aims to (1) To describe employee responses about compensation, non-physical work environment and employee performance at PT. Barelang Karya (2) To test and explain the effect of compensation on employee performance at PT. Barelang Karya (3) To test and explain the influence of the non-physical work environment on employee performance at PT. Barelang Karya (4) To test and explain the effect of compensation and non-physical work environment on employee performance at PT. Barelang Karya. The population in this study are employees at PT. Barelang Karya, totaling 33 people. The results of the descriptive analysis show that compensation is in the high category (4.20), the non-physical work environment is in the very high category (4.29), and employee performance is in the high category (4.14). Based on the analysis of the data, the t-test results show that the two independent variables partially have a significant effect on the dependent variable. The results of the F test show that simultaneously the independent variables have a significant effect on the dependent variable. NumberAdjust R Square of 0.725 indicates that 72.5% of employee performance variables are influenced by compensation and non-physical work environment variables in the  regression equation  while the  remaining  27.5% are influenced by other variables not discussed in this study, such as leadership style variables, commitment, work discipline , employee engagement, organizational climate, organizational culture, etc. It is recommended to PT. Barelang Karya to pay more attention to compensation and the non-physical work environment in their work, by continuously evaluating and managing employees on an ongoing basis.

ANALISIS PENGENDALIAN KUALITAS PRODUK MEBEL PADA CV. SUMBER KASIH PERMAI DI KABUPATEN ENDE

2024-07-23T09:24:30+00:00

The main problem in this research is how to determine quality control of furniture products at CV. Sumber Kasih Permai in Ende Regency. And the aim of this research is to find out and explain the quality control of furniture products at CV. Sumber Kasih Permai in Ende Regency. This study uses a quantitative approach and a qualitative approach with data collection techniques used are literature studies, interviews, documentation. The data analysis technique in this research uses Pareto diagram analysis and fishbone diagram analysis. Types of damage that often occur on CVs. The source of Kasih Permai is that the wood surface is cracked, the wood size is not symmetrical, the drill depth is wrong and the wood thickness is uneven. The research results show that in its production activities the company has not carried out maximum product quality control. This can be seen from the results of the pareto diagram analysis showing the percentage of cracked wood surface damage (37%), asymmetrical wood size (26%), wrong drill depth (22%), and finally the wood thickness is uneven (15%). From the results of the fishbone diagram analysis, it can be seen that the factors that cause damage to furniture products come from machines, humans, work methods and materials so that preventive and corrective actions can be taken to minimize the level of product damage.

PENGARUH KUALITAS LAYANAN TERHADAP KEPUASAN PELANGGAN (STUDI PADA PELANGGA JASA BENGKEL CV MUTIARA TIMOR STAR KOTA KUPANG)

2024-07-23T09:24:30+00:00

The main problem in this research is whether there is an influence of service quality on customer satisfaction, while the aim of this research is to explain and prove the influence of service quality, which consists of tangibility, reliability, responsiveness, assurance and empathy, partially and simultaneously on customer satisfaction. The object of this research is customers of CV Mutiara Timor Star workshop services. The variables studied are tangibility, reliability, responsiveness, assurance, empathy and customer satisfaction. The method used is a quantitative descriptive method. The population in this study were customers of CV Mutiara Timor Star workshop services. The sample was 95 respondents. Then analysis was carried out on the data obtained using multiple linear regression analysis. This analysis includes: multiple analysis tests, hypothesis testing via the f test and t test as well as analysis of the coefficient of determination (Adjusted r square).

Based on the research results, the regression equation is obtained: Y=5.465+0.460 X1+0.925 X2+0.234 X3+0.014 X4+0.744 Testing the hypothesis using the t test shows that the independent variables, namely tangibility, reliability and empathy, significantly influence the dependent variable customer satisfaction, while responsiveness and assurance do not significantly influence the dependent variable customer satisfaction. Through the f test, it can be seen that the independent variable is indeed suitable for testing the dependent variable of customer satisfaction. Adjust R Square figure of 0.602 or 60.2%; shows that 60.2% of the customer satisfaction variable is influenced by the independent variable in the regression equation. Meanwhile, the remaining 39.8% of customer satisfaction variables are influenced by other variables not discussed in this research.

Keywords: Service Quality and Customer Satisfaction.

PENGARUH MODAL KERJA TERHADAP PENDAPATAN USAHA MIKRO KECIL MENENGAH (UMKM) DI KECAMATAN KELAPA LIMA KOTA KUPANG

2024-07-23T09:24:31+00:00

Working capital is capital used to fund the operations of a business. Income is revenue from the results obtained in carrying out economic activities related to company activities and sales results. The aim of this research is to determine the effect of working capital on the income of UMKM in Kelapa Lima District, Kupang City. The data in this research is primary data. The method in this research is quantitative descriptive. The sampling technique in this research uses a random sampling technique. The data analysis technique in this research is simple linear regression analysis and partial testing. The partial research results show that working capital influences the income of UMKM in Kelapa Lima District, Kupang City.

PENGARUH MOTIVASI KERJA TERHADAP KINERJA KARYAWAN PADA RAMAYANA FLOBAMORA MALL KUPANG

2024-07-23T09:24:31+00:00

This study aims to (1) To determine employee perceptions about work motivation and employee performance. (2) Does work motivation affect employee performance and the benefit of this research is to employ concepts or theories that support the development of human resource management science, especially those related to the effect of work motivation on employee performance. To achieve this goal, a sample of 54 respondents was selected at Ramayana Flobamora Mall Kupang. Data collection was carried out using a questionnaire and literature study. The data analysis technique used was descriptive data analysis, simple linear regression analysis, t test, determination test using the SPSS 23 application. The results of this study indicate that the variable Work Motivation has a positive and significant effect on employee performance at Ramayana Flobamora Mall Kupang. This Ramayana Flobamora Mall needs to maintain and update Work Motivation to be applied in improving Employee Performance for the long term sustainability of the Company.

PENGENDALIAN KUALITAS PRODUK PADA PERUSAHAAN ROTI BANDUNG DOA IBU DI DESA MATA AIR KABUPATEN KUPANG

2024-07-23T09:24:31+00:00

This research aims to To find out and explain the control of Roti Bandung Doa Ibu in Mata Air Village, Kupang District and to find out and explain the factors that cause defects in bread production and how to minimize product defects in Roti Bandung Doa Ibu in Mata Air Village, Kupang District. This research focuses on quality control, starting from input (which includes raw materials, labor and equipment), process and output. To achieve this goal, data collection was carried out. The types of data used in this research are qualitative data and quantitative data. Data collection techniques use interview, observation and documentation techniques. The data analysis technique used is an analysis technique using Pareto diagrams and cause-and-effect diagrams (fishbone). The research results show that the amount of bread production has decreased quite significantly every month. The results of the research also show that there are four (4) factors causing defects in bread production, namely 35 slices of bread not rising, 32 slices of bread not being the right size, 17 slices of bread being burnt and filling coming out of 10 slices of bread. Based on the results of the Pareto diagram analysis, the type of defect that does not expand is ranked first in quality control with a percentage of 37%. From the results of the analysis using a cause-and-effect diagram (fishbone), it shows that the factors causing defects in bread products are human, environmental, quipment, which includes raw materials and method factors. Therefore, to reduce product defects, it is necessary to take corrective action for the factory based on the size of the costs incurred and urgent repairs.

PENGARUH PROMOSI DAN KUALITAS LAYANAN TERHADAP KEPUTUSAN PEMBELIAN PADA KEDAI KOPI KEMBO DI KOTA KUPANG

2024-07-23T09:24:32+00:00

This research was conducted at the Kembo Coffee Shop. The main problem of this research is whether promotion and service quality simultaneously have a significant effect on purchasing decisions. While the aim of this research is to know and analyze the effect of promotion and service quality simultaneously have a significant effect on purchasing decisions. This study uses promotion and service quality as the independent variables and purchasing decisions as the dependent variable. The population in this study were all Kembo coffee shop customers who were also followers on Instagram @kopikembo.kupang and Facebook @Kopi Kembo. Samples were taken as many as 100 respondents using accidental sampling technique. Then performed an analysis of the data obtained using multiple linear analysis. This analysis includes: Variable Contribution Test (t test), Model Goodness Test (f Test), and Model Contribution Test. Based on the results of this study obtained Fcount of 130.299. Ftable 0.05:2=98 = 3.09 because the fcount value is 130.299 greater than the ftable value with a significance level of 0.000 less than alpha 0.05 (p<a) so the promotion variable (X1) and service quality (X2) simultaneously have a significant effect on purchase decision (Y) at the Kembo Coffee Shop. Based on R2 or commonly referred to as the coefficient of determination obtained by 0.723, it means that 72.3% of the variation that occurs in the high and low purchasing decisions is caused by the promotion variable (X1) and the service quality variable (X2), while the remaining 27.7% is explained by other variables. not taken into account in this study.

Keywords: Promotion, Service Quality, Purchace Decisions