Journal of Management : Small and Medium Enterprises (SMEs)

THE EFFECT OF NON-PERFORMING LOANS ON BANK LIQUIDITY DURING THE COVID-19 PANDEMIC

2024-03-02T07:35:11+00:00

This study aims to determine the impact of the Covid-19 pandemic on banking liquidity in Indonesia. This study used data samples from 25 banks in Indonesia listed on the stock exchange from 2016 Q1 – 2021 Q4. Data collection for 6 years was chosen to determine banking trends before and during the pandemic. The research method used was regression panel data using the independent variable non-performing loan ratio and the dependent variable loan-to-deposit ratio to measure bank liquidity. The period before the COVID-19 pandemic (2016 Q1 - 2020 Q1) and after the COVID-19 pandemic (2020 Q2 - 2021 Q4) used dummy variables. The result was that the ratio of non-performing loans affected bank liquidity during the COVID-19 pandemic. This is due to the disruption of bank cash inflow because many debtors have difficulty fulfilling obligations to the bank.

Keywords: Banking Liquidity; Credit Risk; Non-Performing Loans

THE IMPACT OF THE WORK ENVIRONMENT ON THE PRODUCTIVITY OF THE PASTRY DEPARTMENT EMPLOYEES AT THE APURVA KEMPINSKI BALI

2024-03-02T07:35:10+00:00

This research aims to analyze the impact of the work environment on employees in the Pastry Department of The Apurva Kempinski, Bali. A good work environment has been recognized as essential in increasing employee productivity. Employee productivity is a critical element in achieving organizational success. Therefore, companies often strive to create a conducive work environment to improve the quality of employee work. The research method used is descriptive and causal, with various data analysis techniques, including correlation tests, determination tests, and linear regression analysis. The analysis results show a robust positive relationship between the work environment and employee productivity, with a correlation coefficient of 0.732. These findings indicate that improving the work environment can positively impact employee productivity. This study provides an essential contribution to understanding the importance of a conducive work environment in increasing employee productivity in the hotel industry. Recommendations are recommended for similar companies to pay attention to and improve the work environment to increase employee productivity.

Keywords: Work Environment; Employee Productivity; Hospitality

BLACK SME’S AND COVID-19: A SOUTH AFRICAN PERSPECTIVE ON RISKS IN THE AUTOMOTIVE INDUSTRY AND WHY THOSE RISKS SHOULD BE MANAGED

2024-03-02T07:35:10+00:00

The research identifies risks (and response to this) that Black-owned Small and Medium Enterprises (SMEs) in the automotive industry face in South Africa. The context is a business environment affected by the COVID-19 pandemic. Semi-structured interviews were used for the study with a sample of 11 businesses (6 micro-businesses and 5 small businesses). All the businesses were based either in the Gauteng Province or Eastern Cape Province of South Africa. Thematic analysis was used to analyze the collected data. The findings highlight the vulnerability of Black SMEs in the face of the Covid-19 pandemic through a set of factors inherent in the business environment. The participating Black SMEs narrated their response to the shocks created by the identified set of factors. The findings of the study provide vital information for policymakers, business leaders, and other stakeholders, to create contingencies, policies, and frameworks necessary to support small businesses.

Keywords: Small Business; Risk; Covid-19; Automotive Industry

MARKETING MIX EFFECT TOWARDS CONSUMER SATISFACTION AND ITS IMPACT ON LOYALTY:

2024-03-02T07:35:09+00:00

The purpose of this study is to analyze the effect of 4P’s marketing mix (product, price, place, promotion) on consumer satisfaction and analyze the effect of satisfaction on consumer loyalty. This research involves quantitative data collection by distributing questionnaires to a purposively selected sample of 100 consumers of Jeruk Pecel Tulen soy sauce in Surabaya City. The analysis method used is the PLS-SEM (Partial Least Square – Structural Equation Modeling). The results showed that the 4P’s marketing mix variables have a positive relationship with consumer satisfaction, but not all of them have a significant effect. The variables of product and price have a positive and significant effect on satisfaction, while the variables of place and promotion do not have a significant effect on the satisfaction of consumers. Furthermore, satisfaction has a positive and significant effect on consumer loyalty of Jeruk Pecel Tulen soy sauce. The limitation of this study is that other variables can measure customer satisfaction and loyalty besides the marketing mix. However, conducting this research can provide insights for future research in helping companies build stronger relationships with consumers, increase consumer loyalty, and ultimately drive business growth.

Keywords: Marketing Mix; Consumer Satisfaction; Consumer Loyalty

FACTORS THAT INFLUENCE THE INTEREST OF GEN-Z MUSLIM CONSUMERS IN PURCHASING FOOD ON THE ONLINE FOOD SERVICE DELIVERY SYSTEM APPLICATION

2024-03-02T07:35:09+00:00

This study aims to determine the factors that influence Gen-Z Muslim consumer interest in making food purchases on the online food service delivery system application which is divided into three variables, namely product quality, price, and halal awareness. This study uses quantitative methods, and data collection techniques by distributing questionnaires and sample number in this study was 100 students at the State Islamic University of North Sumatra using purposive sampling techniques. The data were analyzed using multiple linear regression methods. The results of the study indicate that product quality and price have a significant effect on purchase intention, and halal awareness has no significant effect on purchase intention, and the results of the simultaneous test hypothesis show that product quality, price, and halal awareness simultaneously affect purchase intention.

Keywords : Product Quality ; Price ; Halal Awaraness ; Purchase Intention

THE EFFECT OF LIFESTYLE AND REFERENCE GROUPS ON E-CIGARETTE PURCHASING DECISIONS

2024-03-02T07:35:09+00:00

This study aimed to investigate the effect of lifestyle and reference groups on e-cigarette consumer purchasing decisions in Kupang City. Convenience sampling was employed as the sampling strategy and the questionnaire was utilized to obtain the data. Multiple linear regression analysis was used to identify the changes of independent variables on the dependent variable in the data analysis. The hypothesis test was performed to test the effect of the significance of independent variables on the dependent variable. The findings of this study indicate that lifestyle has no positive and significant influence on the purchasing decision of e-cigarettes, reference groups have a positive and significant impact on e-cigarette purchasing decisions, and lifestyle and reference groups simultaneously have a positive and significant effect on the purchasing decision of e-cigarettes in Kupang city. It is suggested to study further other consumer behavior personal factors such as job and economic conditions that might moderate or mediate the relationship between lifestyle or reference groups toward consumers' purchasing decisions.

Keywords: Lifestyle; References Groups; Purchasing Decisions; e-Cigarette

PENGARUH PENGGUNAAN TEKNOLOGI DALAM PEMASARAN PARIWISATA SELAMA MASA PANDEMI COVID-19 DI INDONESIA

2024-03-02T07:35:08+00:00

Technology has an important role to play in advancing sustainable tourism destinations. The purpose of this study is to determine the effect of technology on tourism marketing during the COVID-19 pandemic in Indonesia which can be used as material for decisions by tourism practitioners and is useful for researchers in the tourism sector. This research was conducted using a systematic literature review (SLR) of 2 reference articles from Scopus. The results show that there is no antecedents from tourism marketing that were studied during the COVID-19 pandemic. In addition, there is a positive influence of technology on tourism marketing during the COVID-19 pandemic. There are several consequences of technology adoption in tourism marketing, namely image, trust, visitors' interest and tourist behavior. However, this research still has limitations on the reference sources used (only Scopus), it is recommended to add a database for future researchers and add other research problem formulations.

Keywords: Technology ; Tourism Marketing ; COVID-19 pandemic

PENGARUH BIAYA PRODUKSI DAN BIAYA PENJUALAN TERHADAP LABA BERSIH PADA SUBSEKTOR MAKANAN DAN MINUMAN YANG TERDAFTAR DI BURSA EFEK INDONESIA

2024-03-02T07:35:08+00:00

This study aims to determine the effect of Production Cost and Sales Cost on the Net Profit of companies in the food and beverage sub-sector listed on the Indonesian Stock Exchange. The method in this study is the quantitative method. The population in this study includes 26 companies listed on the Indonesian Stock Exchange. Six companies were selected as the research sample. The data in this study is the secondary data obtained from audited annual reports and reported to the Indonesian Stock Exchange. The data analysis techniques in this study are classical hypothesis tests, i.e. normality test, multicollinearity test, heteroscedasticity test, autocorrelation test, multiple linear regression analysis, hypothesis testing, and coefficient of determination test. The results obtained from this study indicated that Production Costs have no significant influence on the Net Profit, while Sales Costs have a significant effect on the Net Profit, and at the same time, Production Costs and Sales Costs affect profits simultaneously.

Keywords: Production Cost; Sales Cost; Net Profit

PENGARUH VARIAN MENU DAN KUALITAS PELAYANAN TERHADAP KEPUTUSAN PEMBELIAN PADA RUMAH MAKAN PAK QOMAR SIDAYU GRESIK

2024-03-02T07:35:08+00:00

This study aims to examine the effect of menu variant and service quality on purchasing decision at Pak Qomar restaurant Sidayu Gresik. The population in this study were customers to Pak Qomar restaurant Sidayu Gresik for 4 months. How to determine the sample using Slovin's theory as many as 99 respondents which in this study were fulfilled into 100 respondents. The data analysis used is the IBM SPSS 22 program. This study uses a quantitative approach with multiple regression analysis method. The data collection technique uses a questionnaire that has been tested for validity and reliability. The data analysis technique used is multiple regression. The results showed that there was a partial and simultaneous influence of menu variant and service quality on purchasing decision at Pak Qomar restaurant Sidayu Gresik

URGENSI EVENT IMAGE DAN TOURISM EXPERIENCE DALAM MENCIPTAKAN REVISIT INTENTION PADA DESA WISATA KABUPATEN SUMENEP

2024-03-02T07:35:07+00:00

This research was motivated by a decrease in the number of visitors to the Kedatim Mangrove Tourism, Sumenep Regency. This research aims to determine the influence of event image and tourism experience on the intention to visit again, both directly and through the intervening variable of tourism satisfaction at Kedatim Mangrove Tourism. The sampling technique used was purposive sampling with a total sample of 100 visitors. The data collection technique was carried out by distributing questionnaires to respondents. The data analysis technique used is Partial Least Square. The research results show that event image (X1) does not have a significant effect on intention to revisit. Tourist experience (X2) has a significant effect on the intention to visit again. The image of the event (X1) has a significant effect on tourism satisfaction. Tourist experience (X2) has a significant effect on tourist satisfaction. Tourist satisfaction (Z) does not affect interest in returning to visit. Event image (X1) has no significant effect on the intention to revisit through tourism statistics. Tourist experience (X2) does not have a significant effect on the intention to visit again through tourism satisfaction.

Keywords: Event Image; Tourism Experience; Tourism Statisfaction; Revisit Intention

PENGARUH VARIASI PRODUK DAN CITA RASA TERHADAP KEPUTUSAN PEMBELIAN SEBLAK TEKWAN KUAH MERAH PADA KEDAI SEBLAK PRABUMULIH

2024-03-02T07:35:06+00:00

The purpose of this research is to find out how the influence of product variations, taste, and purchasing decisions at Kedai Seblak Prabumulih. This is a survey research with two independent variables of product variation, taste, and the dependent variable of purchasing decision. Data collection by distributing questionnaires to 99 respondents at Kedai Seblak Prabumulih. The obtained data was applied to the classical assumption test consisting of the normality test, multicollinearity test, heteroscedasticity test, multiple regression analysis, coefficient of determination, and hypothesis testing consisting of t-test and F-test. The result showed that partially there was a significant effect between the product variation and the taste on purchasing decisions. There is a significant influence between product variations and taste simultaneously on purchasing decisions at Kedai Seblak Prabumulih.

Keywords : Product Variation; Taste; Purchase Decision

PENGARUH MANAJEMEN DAN BUDAYA KERJA TERHADAP PENINGKATAN KINERJA USAHA KECIL MENENGAH (UKM) TULIP CRAFT

2024-03-02T07:35:06+00:00

This study aims to determine the effect of Management and Work Culture on Performance Improvement in Tulip Craft. The sampling technique in this study used Cluster Sampling. The samples taken were 64 Tulip Craft employees in Tulungagung. The study results show that the Management and Work Culture variables partially or simultaneously significantly affect Performance Improvement in Tulip Craft.

Keywords: Management; Work Culture; Performance Improvement

PENGARUH MANAJEMEN LABA DAN RASIO KEUANGAN TERHADAP PERINGKAT OBLIGASI PERUSAHAAN MAKANAN DAN MINUMAN YANG TERDAFTAR DI BURSA EFEK INDONESIA

2024-03-02T07:35:06+00:00

This study examines the effect of earnings management and financial ratios on bond ratings. The variables used are 1) The effect of earnings management on bond ratings, 2) The effect of liquidity ratio on bond rating, 3) The effect of activity ratio on bond rating, 4) The effect of solvency ratio on bond rating, 5) The effect of profitability ratio on bond rating. The samples used in the study based on criteria are food and beverage companies that have consecutive bond ratings from 2015 to 2020. From the results of purposive sampling logistic regression, which includes descriptive statistical tests, research model tests, and logistic regression tests. The results of hypothesis testing show that earnings management, liquidity ratio, and profitability ratio have no significant effect on bond ratings, while activity ratio and solvency ratio have a significant effect on bond ratings.

Keywords: Earnings Management; Financial Ratio; Activity Ratio; Bond Rating; Liquidity Ratio, Profitability Ratio; Solvency Ratio

ANALISIS RASIO KEUANGAN TERHADAP KINERJA KEUANGAN ALOKASI DANA DESA PEMERINTAHAN DESA BINAKA KECAMATAN GUNUNGSITOLI IDANOI KOTA GUNUNGSITOLI

2024-03-02T07:35:05+00:00

The purpose of this study was to determine and analyze the financial performance of the Village Fund Allocation (ADD) management of Binaka Village Government, Gunungsitoli Idanoi District, Gunungsitoli City based on the ratio of effectiveness and growth ratio. The type of research used in this research is descriptive quantitative research. In this study, secondary data was obtained from the financial reports of Village Fund Allocations in the 2019-2021 APBDes Government of the Binaka Village. Data collection techniques used in this research are documentation and interviews. The results of the study show that the financial performance of the Allocation of Village Funds for the Government of Binaka Village from 2019-2021 based on the calculation of the effectiveness ratio with an average yield of 100% is categorized as effective. Then based on the growth ratio, it experienced negative growth with an average percentage of -5.4%.

Keywords: Financial Performance; Effectiveness Ratio; Growth Ratio

ANALISIS LINGKUNGAN KERJA DAN KETERLIBATAN PEGAWAI TERHADAP KINERJA PEGAWAI DI SATUAN POLISI PAMONG PRAJA (SATPOL PP) KABUPATEN LAHAT

2024-03-02T07:35:05+00:00

The purpose of this study was to find out the influence of the Work Environment and Employee Involvement on Employee Performance in the Civil Service Police Unit (Satpol PP) in Lahat Regency. The sampling method in this study used a purposive sampling method, which is the technique of determining the sample with consideration of certain criteria. The sample in this study was taken based on the number of Civil Servants (PNS) in the Civil Service Police Unit and the Lahat Regency Damkar, totaling 52 people. The data collection method used is questionnaires. The data analysis technique used in this study was Multiple Linear Regression, Correlation Analysis, Determination Analysis, hypothesis t-test, and hypothesis F-test with the help of SPSS 22 for Windows. The results of the study show that there is a significant influence partially and simultaneously between the Work Environment and Employee Involvement on Employee Performance in the Civil Service Police Unit (Satpol PP) of Lahat Regency.

Keywords: Work Environment; Employee Engagement; Employee Performance

TRANSFORMASI INOVASI MODEL BISNIS PADA UMKM BATIK PASCA PANDEMI COVID 19

2024-03-02T07:35:04+00:00

The pandemic phenomenon had a significant impact on small and medium-sized enterprises, compelling them to respond to the situation. Business Model Innovation (BMI) represents an innovation model suitable for the sustainability of small and medium-sized enterprises, particularly as the local SME situation deteriorated during the first two years of the COVID-19 pandemic, specifically in 2020-2021. The reconfiguration of business models has emerged as one of the alternatives for SMEs to overcome these challenges. The business model concept enables Small and Medium Enterprises (SMEs) to tackle dynamic business challenges. In reality, the alteration of Business Models (BMs) in SMEs varies across different organizations. This research aims to provide insights into the changes in BMs for SMEs following the pandemic, specifically within the batik industry, through the Integrated Marketing Communications (IMC) approach applied to various case studies. The method used in this research is descriptive qualitative through case studies with case selection using a purposive sampling approach, which is the MSME of the Batik Industry. The results of this study offer empirical information about the Business Model Innovation (BMI) of SMEs during the pandemic, which can serve as a foundation for further research in BMI, particularly concerning SMEs.

Keywords: Business Model Innovation; SMEs; Batik; Pandemic

PENGARUH SOCIAL MEDIA MARKETING TIKTOK TERHADAP MINAT BELI KONSUMEN PADA PRODUK SCARLETT WHITENING

2024-03-02T07:35:04+00:00

This study aims to determine and analyze: (1) The effect of Entertainment, Interaction, Trendiness, Customization, and e-WOM has a partial effect on Consumer Buying Interest in Scarlett Whitening products. (2) The effect of Entertainment, Interaction, Trendiness, Customization, and e-WOM simultaneously affects Consumer Buying Interest in Scarlett Whitening products. The number of samples is 50 respondents, and the sampling technique used was purposive. The data is collected using Google form questionnaires. The analysis techniques used are quantitative descriptive, Multiple Linear Regression Analysis, and hypothesis testing through t-test and F-test, using the SPSS 22 application. The results of the descriptive analysis show that overall respondents gave a high category perception assessment of Entertainment, Interaction, Trendiness, and Customization and a very high category perception assessment of e-WOM. The results of the t-test and F-test show that partially and simultaneously, Entertainment, Interaction, Trendiness, Customization, and e-WOM have a significant effect on Consumer Buying Interest. Based on the value of Adjusted R² the contribution of the variables Entertainment, Interaction, Trendiness, Customization, and e-WOM toward Consumer Buying Interest are 97.2%. While 2.8% was influenced by other variables outside the focus of this study.

Keywords: Entertainment; Interaction; Trendiness; Customization; e-WOM; Consumer Buying Interest

PENGARUH BUDAYA ORGANISASI DAN KOMITMEN ORGANISASI TERHADAP KINERJA PEGAWAI BADAN PENGELOLA KEUANGAN DAN PENDAPATAN DAERAH KABUPATEN TANA TORAJA

2024-03-02T07:35:03+00:00

Organizational Culture and Organizational Commitment are two factors that are believed to determine the performance of human resources in an agency. This research aims to prove whether this also applies to BPKAD Tana Toraja. The population in this study was 74 ASN people at BPKAD. The research was conducted using a quantitative approach. Data collection was carried out using questionnaires and observation instruments. Data were analyzed using multiple linear regression analysis methods, and the results were presented in table form accompanied by narrative. The research results show that both organizational culture and organizational commitment have a significant effect on BPKAD's performance. The author suggests that a healthy organizational culture and strong organizational commitment should always be built to improve institutional performance

Keywords: Organizational Culture; Organizational Commitment; Organizational Performance

ANALISIS PENERAPAN E-BILLING DALAM PENYETORAN PAJAK PADA SATUAN KERJA STASIUN GEOFISIKA GUNUNGSITOLI

2024-03-02T07:35:03+00:00

This research analyzes how e-billing is implemented in paying taxes at the Stasiun Geofisika Gunungsitoli. The research method used a qualitative method with a descriptive approach. Primary data was obtained through interviews and secondary data was obtained from official documents, related literature, and other relevant information sources. The research results show that tax payments at the Stasiun Geofisika Gunungsitoli have implemented e-billing, payments are made at the Gunungsitoli Post Office using cash payments and there are still delays in tax deposits. There are several obstacles to implementing e-billing at the Stasiun Geofisika Gunungsitoli, which include not being able to carry out Internet banking transactions due to not having an Internet banking token, the Internet network being unstable or slow, long queues at the post office payment counter, ATM receipts/proof of payment are easily erased, and lack of socialization regarding tax e-billing. Based on these findings, this research recommends that the Stasiun Geofisika Gunungsitoli strive to accelerate the implementation of electronic payment transactions so that tax payments can be made more quickly and easily, can be done anywhere, and avoid delays in tax deposits. It is also necessary to better understand the regulations for paying taxes to avoid tax sanctions.

Keywords: E-billing; Tax Deposit; Electronic Tax Payment Application

ANALISIS LAPORAN KINERJA KEUANGAN PADA PT GARUDA INDONESIA (PERSERO), TBK YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI)

2024-03-02T07:35:03+00:00

This study aims to determine the financial performance based on the value of the ratio of liquidity, solvency, activity, and profitability at PT. Garuda Indonesia Tbk, in improving financial performance by calculating the liquidity ratio with the current ratio and quick ratio, while the solvency ratio is the indicator of debt to assets and debt to equity ratio, the indicators of activity ratio are total assets turnover and inventory turnover, and indicators of profitability ratios are the return on investment and the return on equity. The secondary data was obtained by indirect data collection techniques that are documentation and literature study in the form of financial reports of PT. Garuda Indonesia Tbk which is listed on the Indonesia Stock Exchange (IDX) uses qualitative data analysis methods. The results of the analysis show that the liquidity ratio with the current ratio and the quick ratio in 2016-2020 does not meet industry standards. The solvency ratio in the debt to asset ratio in 2016-2020 does not meet industry standards. The activity ratio on total asset turnover in 2016-2020 meets industry standards and on inventory turnover in 20160-2020 meets industry standards. Finally, the ratio of profitability to return on investment in 2016-2020 does not meet industry standards.

Keywords: Liquidity Ratio; Solvency; Activity; Profitability