{"title":"ERAN BPR JATIM DALAM PENINGKATAN PENDAPATAN UMKM DI KOTA SURABAYA GUNA MENCAPAI VISI MISI GUBERNUR JATIM","authors":"Vicky Indarto Setyono, Trisia Ratnawati","doi":"10.30996/die.v11i02.4125","DOIUrl":"https://doi.org/10.30996/die.v11i02.4125","url":null,"abstract":"BPR Jatim is a bank owned by the East Java Provincial Government and Regency / City \u0000Governments throughout East Java. In its role as an intermediary institution and \u0000supporting government programs, BPR East Java always strives to increase credit \u0000distribution to the real sector, especially micro, small and medium enterprises by offering \u0000products tailored to customer needs. This is done because there are still many MSMEs in \u0000the city of Surabaya who are experiencing capital difficulties. The limited capital owned \u0000by MSMEs will affect the development of MSMEs. BPR Jatim Kota Surabaya has 1,977 \u0000customers. This study aims to analyze the role of BPR East Java in increasing the income \u0000of MSMEs in the city of Surabaya. The method used in this research is descriptive \u0000qualitative. Data were collected using interview, observation and documentation \u0000methods. The subjects in this study were customers and employees of BPR Jatim. Then \u0000the object is the role of the East Java BPR. The results showed that the East Java BPR \u0000plays a very important role in the development of MSMEs in the city of Surabaya. BPR \u0000Jatim offers various types of credit products tailored to customer needs. Among the \u0000existing types of credit, 70% of East Java BPR customers take special loans. BPR Jatim \u0000also provides convenience in terms and procedures for applying for credit and provides \u0000the best service for its customers. East Java BPR customers have increased every month. \u0000All informants said that their business had developed after receiving credit from the East \u0000Java BPR. This development is indicated by an increase in income, additional workforce \u0000and more advanced business units. \u0000Keywords: East Java BPR, Income, UMKM","PeriodicalId":201665,"journal":{"name":"DiE: Jurnal Ilmu Ekonomi dan Manajemen","volume":"29 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-09-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125302905","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Penerapan Corporate Social Responsibility Sebagai Pilar Menuju Implementasi Good Corporate Governance pada Rumah Sakit PKU Muhammadiyah Surabaya","authors":"Andrianto Andrianto","doi":"10.30996/die.v11i02.4120","DOIUrl":"https://doi.org/10.30996/die.v11i02.4120","url":null,"abstract":"The application of CSR is related to good corporate governance. The implementation of GCG will have a positive impact on the business environment and increase the confidence of stakeholders, especially investors, to the company. This study aims to find out how the application of CSR is a pillar in the direction of good and healthy corporate governance at PKU Muhammadiyah Hospital in Surabaya. This study uses descriptive qualitative research with data collection techniques conducted by semi-structured interviews and documentation on corporate social responsibility and good corporate governance data. The results showed that the PKU Muhammadiyah Surabaya hospital had implemented a CSR program in accordance with the specified program, but in implementing GCG there were values that had not been maximally implemented (the principles of transparency, responsibility and independence)Keywords: Corporate social responsibility, Good Corporate Governance, Transparency, Responsibility, Independence. ","PeriodicalId":201665,"journal":{"name":"DiE: Jurnal Ilmu Ekonomi dan Manajemen","volume":"229 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-09-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115429710","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Membangun Decision Support System Berbasis Financial Technology Dalam Berinvestasi Saham","authors":"Lucky Kartanto","doi":"10.30996/die.v11i02.4123","DOIUrl":"https://doi.org/10.30996/die.v11i02.4123","url":null,"abstract":"At present, investment is well known in Indonesian society, investment awareness by the \u0000public has begun to increase along with the existence of several investment instruments \u0000that are widely offered by bank financial institutions, non-bank financial institutions, as \u0000well as various types of investment options on the Indonesia Stock Exchange. According \u0000to Sophar Lumbantoruan (1996), the notion of investment is equity participation in other \u0000companies. One form of investment known to the general public is shares traded on the \u0000Indonesia Stock Exchange. Investing always considers the results and risks that will be \u0000faced by Investors. Not all investors understand the theory of investing in stocks, \u0000especially in selecting shares in a portfolio in order to produce a certain rate of return \u0000with minimal risk. This study aims to find a decision support system (DSS) based on \u0000Financial Technology that will provide information related to stock recommendations that \u0000should be bought by investors. Stock Selection in this study are shares of listed companies \u0000listed on the Kompas 100 Index, the Analysis Technique used in this study is the Single \u0000Index Model. This research can produce recommendations for investors to buy shares in a \u0000portfolio that will provide certain benefits with minimal risk. \u0000 \u0000Keyword- Investment, Decision Support System, Financial Technology, Single Index \u0000Model, Porfolio","PeriodicalId":201665,"journal":{"name":"DiE: Jurnal Ilmu Ekonomi dan Manajemen","volume":"29 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-09-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133618965","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Analisis Responsibility Center Guna Memaksimalkan Kinerja tiap Divisi di STIKES RS Anwar Medika di Sidoarjo","authors":"Elis Anita Farida","doi":"10.30996/die.v11i02.4122","DOIUrl":"https://doi.org/10.30996/die.v11i02.4122","url":null,"abstract":"This study aims to analyze the application of responsibility center to the performance of \u0000each division in STIKES RS Anwar Medika in Sidoarjo. The design of this study is \u0000quantitative using survey methods. Observations were made with a questionnaire \u0000instrument with scoring given to educators and students of the achievements of each \u0000division STIKES RS Anwar Medika in Sidoarjo. The results of this study illustrate that \u0000the performance of the three divisions is sufficient to achieve the vision and mission of the \u0000STIKES RS Anwar Medika, but this has not been maximized due to inappropriate \u0000strategies. It is known that the number of educators is not balanced with the number of \u0000students resulting in a high workload of educators and an impact on the lack of educator \u0000productivity in terms of research development. Completeness of laboratory facilities is \u0000sufficiently supported so that students can take advantage of research development and \u0000knowledge enhancement. \u0000Keyword: Responsibility Center, STIKES RS Anwar Medika, vision and mission, \u0000performance","PeriodicalId":201665,"journal":{"name":"DiE: Jurnal Ilmu Ekonomi dan Manajemen","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-09-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130437162","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"DAMPAK FINANCIAL QUOTIENT DAN LIFESTYLE TERHADAP FINANCIAL BEHAVIOR DOSEN WANITA DI STIE PANCASETIA BANJARMASIN","authors":"Melania Melania, T. Ratnawati, A. J. Karsudjono","doi":"10.31602/AL-KALAM.V7I2.3251","DOIUrl":"https://doi.org/10.31602/AL-KALAM.V7I2.3251","url":null,"abstract":"Financial behavior is a reflection of human behavior in managing their finances, many \u0000things that can affect, including financial quotient and lifestyles. The aim of the study is \u0000to understand the impact of financial quotient and lifestyles on financial behavior of \u0000female lecturers at STIE Pancasetia Banjarmasin. Data was collected through indepthinterview \u0000with \u0000three \u0000 \u0000resource persons who teach finance or e-commerce. Understanding \u0000financial does not necessarily make a person implement it comprehensively in life, \u0000especially for female workers who are relatively young, there is a tendency not to pay \u0000attention to risks and protection for their future. Today’s lifestyle is closely related to the \u0000nurture, and this can be seen from their habits in using money. Individuals with better \u0000financial quotient will better understand how to plan the utilization of their income so \u0000they will choose a lifestyle that suits them, so they will behave in accordance with these \u0000choices. \u0000 \u0000Keywords: Financial Behavior, Financial Quotient, Lifestyles, Female","PeriodicalId":201665,"journal":{"name":"DiE: Jurnal Ilmu Ekonomi dan Manajemen","volume":"52 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-07-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129198766","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN PENDEKATAN RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, CAPITAL)? Studi pada PT BPR SINAR KUTA Periode 2016-2018","authors":"I. Gede, Trisia Ratnawati","doi":"10.30996/die.v11i01.3401","DOIUrl":"https://doi.org/10.30996/die.v11i01.3401","url":null,"abstract":"The results of this study indicate that based on the analysis of the BPR Sinar Kuta NPL formula in 2018 increased every year 2016 = 2.55%, 2017 = 3.12%, and 2018 =3.75%. and Liquidity risk using two ratios, namely LDR and LAR, has increased anddecreased. This shows that BPR Sinar Kuta has good profitability towards third partyrefunds. GCG Bank Sinar Kuta also has very good management as evidenced from 2016 -2018 showing a good composite predicate by determining a healthy bank valuation matrixbased on Bank Indonesia Regulation No.13 and the predicate is that all the compositevalues are still in greater or equal rules with (?) 1.5. When viewed from CAR, BankSinar Kuta is ranked 5th, it shows that Bank Sinar as a BPR Bank has a reasonable levelof health. Keywords: Factor Analysis, Bank Soundness, Bank Performance, RGEC","PeriodicalId":201665,"journal":{"name":"DiE: Jurnal Ilmu Ekonomi dan Manajemen","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-03-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122274682","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Otonomi Desa Dan Efektifitas Efisiensi Tata Kelola Dana Desa di Kabupaten Sidoarjo","authors":"Fajar Pradita","doi":"10.30996/die.v11i01.3399","DOIUrl":"https://doi.org/10.30996/die.v11i01.3399","url":null,"abstract":"Financial management is included in the village's autonomous rights. The current program given by the government is the provision of village funds. Providingvillage fund programs to finance implementation of development, and empoweringvillage communities. The results of the analysis show that village financial managementin Sidoarjo Regency is in accordance with the provisions stipulated by the centralgovernment referring to Regulation of the Minister of Home Affairs number 113 of2014, where in the budgeting process through funding procedures, the implementationof fund disbursement, administration, accountability reporting and publication . Indetermining the priority of the use of funds in accordance with the provisions of theVillage Minister Regulation Number 21 of 2015 and guided by the Village RKP andRPJM, where in the preparation of the Village RKP and RPJM involves all elements ofgovernment, BPD and the community in general. The constraints faced are the problemof using village funds for activities that do not appear in the account code of thesiskeudes, as well as getting around the priority of village development activities thatcome out of the Minister of Home Affairs Regulation number 113 of 2014. Keyword: village autonomy, efficiency effectiveness, village funds","PeriodicalId":201665,"journal":{"name":"DiE: Jurnal Ilmu Ekonomi dan Manajemen","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-03-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130636886","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"PENGARUH PROFITABILITAS TERHADAP KEBIJAKAN DIVIDEN TUNAI DENGAN LIKUIDITAS SEBAGAI VARIABEL MODERASI (Studi terhadap Perusahaan manufaktur yang Terdaftar di Bursa Efek Indonesia Periode 2015 - 2018)","authors":"Henny Mahmudah, Trisia Ratnawati","doi":"10.30996/die.v11i01.3400","DOIUrl":"https://doi.org/10.30996/die.v11i01.3400","url":null,"abstract":"In financial policy where the dividend policy becomes an important consideration,not only in terms of company management, but also from shareholders. Shareholderswill propose dividend distribution if the company is in profit. Growth in manufacturingcompanies that tend to be good and generate (profits) will be easier to see profitabilityaffecting the dividend payout ratio and of course with a stable dividend distribution.The purpose of this study: 1) To find out whether profitability has a positive andsignificant effect on cash dividend policy on manufacturing companies and 2) To findout the effect of liquidity that is owned, can it strengthen the relationship betweenprofitability on dividend policy on manufacturing companies. The approach taken inthis research is a quantitative approach. The sample selection method in this study ispurposive sampling, which is the sample selection method using certain criteria so thatit can get 10 samples of manufacturing companies. The analytical method used isdescriptive statistics, simple regression analysis (simple regression analysis) andmoderation regression analysis (Moderate Regression analysis) with pure moderatortest, coefficient of determination, F test and t test. The test results prove thatprofitability has a positive and significant impact on cash dividend policy onmanufacturing companies. Liquidity as a moderating variable is able to strengthen therelationship between profitability and cash dividend policies in manufacturingcompanies. The results of this study are expected to provide information to the publicand outside parties or investors to make investment decisions and can assess thefinancial performance of a company.Keyword : Profitabilitas, Kebijakan Dividen Tunai dan Likuiditas","PeriodicalId":201665,"journal":{"name":"DiE: Jurnal Ilmu Ekonomi dan Manajemen","volume":"116 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-03-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124005522","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"FACTOR-FAKTOR PENENTU STRUKTUR MODAL","authors":"Sawal Sartono, Tri Ratnawati","doi":"10.30996/die.v11i01.3403","DOIUrl":"https://doi.org/10.30996/die.v11i01.3403","url":null,"abstract":"In this article, a literature review on the determinants of capital structure is presented from research conducted, both in Indonesia and internationally, in recent years.Furthermore, the results of the review will conclude the factors that determine the capitalstructure that generally affects the company's leverage. From the results of the review, itis known that the variables that influence the capital structure are; Corporate tax rates,debt costs, dividend payout ratios, firm age, company size, growth opportunities,liquidity, non-tax shields, profitability, tangibility Keywords: Capital Structure; Leverage; Determining Factors","PeriodicalId":201665,"journal":{"name":"DiE: Jurnal Ilmu Ekonomi dan Manajemen","volume":"104 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-03-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124688275","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"EVALUASI AKUNTABILITAS RENCANA KERJA DAN ANGGARAN GUNA MENDUKUNG INOVASI RSUD. Dr. ISKAK TULUNGAGUNG","authors":"Rachmad Gesah Mukti Prabowo","doi":"10.30996/die.v11i01.3402","DOIUrl":"https://doi.org/10.30996/die.v11i01.3402","url":null,"abstract":"The main purpose of this study is to explain the accountability of planned activities and budgets at General Hospital Dr. Iskak Tulungagung and its relationship withinnovations and programs implemented at the hospital. This research use desciptivequalitative approach. The results obtained from this study are that work plan and budgetaccountability has a positive impact on hospital managerial and operational performance.All forms of innovation and programs implemented by hospitals cannot be separated fromadequate planning and budgeting support.Keywords: Accountability, Work Plan and Budget, Innovation and Program","PeriodicalId":201665,"journal":{"name":"DiE: Jurnal Ilmu Ekonomi dan Manajemen","volume":"95 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-03-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133849329","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}