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ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI KELANCARAN KREDIT DAN PENILAIAN KESEHATAN KEUANGAN PADA AMARTHA MICROFINANCE Pramono, Puteri Nurani Nur Syari?ati; Irwanto, Abdul Kohar; Permanasari, Yusrina
Jurnal Manajemen dan Organisasi Vol. 7 No. 1 (2016): Jurnal Manajemen dan Organisasi
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (848.743 KB) | DOI: 10.29244/jmo.v7i1.14065

Abstract

Penelitian ini bertujuan untuk menganalisis pengelolaan kredit, faktor-faktor sumberdaya manusia (SDM) dan nasabah yang memengaruhi kelancaran kredit serta menganalisis tingkat kesehatan dan peramalan keuangan Amartha Microfinance. Metode analisis data penelitian ini menggunakan metode kualitatif dengan teknik wawancara serta analisis faktor, analisis rasio, analisis tren dan peramalan. Hasil penelitian menunjukkan kunci utama pengelolaan penyaluran kredit adalah proses pembentukan kelompok yang dilakukan sendiri oleh anggota, sistem tanggung renteng selalu berjalan, disiplin kehadiran dan angsuran zero tollerant. Faktor SDM yang memengaruhi kelancaran kredit adalah aspek moral hazards dan morale hazards masing-masing sebesar 75,1%, sedangkan faktor anggota kelompok nasabah yang memengaruhi kelancaran kredit adalah aspek capital sebesar 64,3%, aspek capacity 52,2% dan aspek character 50,2%. Rasio likuiditas dan solvabilitas berada pada kondisi sehat, peramalan rasio likuiditas dan solvabilitas cenderung menurun.
ANALISIS STRATEGI OPTIMALISASI PORTOFOLIO SAHAM LQ 45 (PADA BURSA EFEK INDONESIA TAHUN 2009-2011) Larasati, Dwi; Irwanto, Abdul Kohar; Permanasari, Yusrina
Jurnal Manajemen dan Organisasi Vol. 4 No. 2 (2013): Jurnal Manajemen dan Organisasi
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1278.179 KB) | DOI: 10.29244/jmo.v4i2.12623

Abstract

Capital market is a meeting place for people who have excess money and those who need money for  transaction of security. Every investor needs optimal profits with minimal risk. Portfolio is basically related to how one allocates a number of stocks into various investment types that results in optimal profits. By making diversification, investors may reduce the rate of risk and at the sametime optimize the rate of expected return. Based on this case this research raises the problem of how to design an optimal portfolio simulation. i.e. a combination of liquid shares LQ 45 list ini Indonesian Stock Exchange in the period of 2009-2011 by using two methods, using Single Index Model and Indexing. Single index Model is a model of portfolio analysis using the account of Excess Return to Beta (ERB) ratio and value of C* to gain optimal shares  on portfolio. The procedure of indexing is to make one?s own group i.e liquid LQ 45 calculating the risk and return then compare the result with Single Index Model, the procedure of all securities are ranked by ERB instead of Excess Return to Risk (ERR). After securities were ranked using the above ratio, securities with greater Excess return to standart deviation and cut off point (C*) were included into the optimal portfolio. The conclusion of this research is that it is better to choose Single Index Model as the methode  resulting in optimal profits.  Keyword: Optimum portfolio, LQ 45, single index, indexing
STRATEGI PENINGKATAN PENGELOLAAN BARANG MILIK DAERAH PADA PEMERINTAH KABUPATEN KEPULAUAN ANAMBAS Syahputra, Khoirul; Syaukat, Yusman; Irwanto, Abdul Kohar
Jurnal Manajemen Pembangunan Daerah Vol 10, No 1 (2018)
Publisher : Program Studi Manajemen Pembangunan Daerah. Fakultas Ekonomi dan Manajemen. IPB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jurnal mpd.10.1.%p

Abstract

ABSTRACTReformation agenda is in various fields. One of the reformation agenda is in implementing the good governance. Regulation of the home affairs minister No. 19 Year 2016 is the regulation to rule local government wealth becoming adequated, informative, transparent and accountable. The purpose of this study are evaluating, knowing and describing the regional management assets. This study also formulating priority strategies to improve regional assets management of the Anambas government. The data consists of primary and secondary data. Primary data was obtained from direct observation, interview and questioners with purposive sampling method. While the secondary data was obtained from literature and related documents. This study use rating scale analysis, SWOT and QSPM analysis. This study has shown the weaknesses of the human resources competeny in assets management was caused by lackig in guidance, supervision and controlling which influenced the assets managements performance. The priority strategy was improving the quality of human resources in managing and reporting the local goverment assets.Key words :  Strategy, improvement  management of BMDABSTRAKReformasi diberbagai bidang di pemerintahan salah satunya adalah manisfestasi pelaksanaan prinsip tata kelola pemerintahan yang baik (good governance), Permendagri No. 19 Tahun 2016 tentang pengelolaan BMD adalah wujudnya aturan yang mengatur suatu sistem pengelolaan kekayaan daerah yang memadai, informatif, transparan dan akuntabel. Tujuan penelitian ini untuk mengevaluasi, mengetahui dan mendeskripsikan proses pengelolaan BMD dan merumuskan strategi yang perlu diprioritaskan dalam meningkatkan pengelolaan BMD pada Pemerintah Kabupaten Kepulauan Anambas. Data penelitian ini terdiri dari data primer dan data sekunder, data primer diperoleh dengan cara observasi langsung, wawancara dan penyebaran kuesioner kepada responden yang dipilih secara sengaja (purposive sampling). Sedangkan untuk mendapatkan data sekunder berasal dari studi pustaka dan kajian terhadap dokumen terkait. Metode analisis yang digunakan untuk menjawab tujuan penelitian adalah : analisis rating scale, analisis SWOT dan metode QSPM.  Hasil penelitian menunjukkan bahwa lemahnya komptensi SDM pengelola BMD tidak terlepas dari kurang optimalnya pembinaan, pengawasan dan pengedalian pada pengurus BMD dan ini juga berdampak pada kinerja aparatur pengelola BMD. Strategi prioritas yang tepat untuk diimplementasikan yaitu peningkatan kualitas SDM pengurus BMD dalam mengelola dan menyusun laporan BMD.Kata kunci: Strategi, Peningkatan Pengelolaan BMD.
PENGARUH PENGUNGKAPAN CORPORATE SOCIAL RESPONSIBILITY TERHADAP KINERJA KEUANGAN DAN HARGA SAHAM PADA SEKTOR PROPERTI DI BURSA EFEK INDONESIA Hidayansyah, Putri Fika; Hubeis, Musa; Irwanto, Abdul Kohar
Jurnal Manajemen dan Organisasi Vol. 6 No. 1 (2015): Jurnal Manajemen dan Organisasi
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (737.889 KB) | DOI: 10.29244/jmo.v6i1.12195

Abstract

The company operational activities are performed with the purpose to maximize shareholder values; however, the company's activities have impacts on environment, social, economiy and community. In order to comply with the government regulation, companies must conduct Corporate Social Responsibility (CSR), because investors are more interested in companies which have a good image in the community. This leads to make consumer loyalty higher and subsequently increases the company's profitability and company's stock values. The purpose of this study was to analyze the influence of CSR disclosure on Corporate Financial Performance (CFP) and stock prices. This study used 20 samples of property companies in the Indonesia?s Stock Exchange selected by purposive sampling. Data were processed and analyzed using Structural Equation Modeling (SEM) with software smartPLS. This research shows that valid indicators measure CSR at property sector include environment, human rights and society. A valid indicator measuring financial performance construct is only Market Value Added (MVA) and stock return is the valid indicator to measure stock price construct. The hypothesis test shows that CSR disclosure had significant effect on CFP, but the CSR disclosure had no significant effects on stock price, and CFP had no significant effects on stock prices.Keywords : corporate social responsibility, financial performance, stock price, property sector
ANALISIS PENGARUH RASIO KEUANGAN TERHADAP PROBABILITAS KEBANGKRUTAN EMPAT BANK DALAM KELOMPOK LG 45 DI BURSA EFEK INDONESIA Agus, Sekargita; Irwanto, Abdul Kohar; Maulana, Tubagus Nur Ahmad
Widyariset Vol 17, No 1 (2014): Widyariset
Publisher : LIPI-Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (995.082 KB)

Abstract

Bank is an entity that acts as a financial intermediary that puts the public funds entrusted to it, to be dis- tributed back to the community in form of loans, and the business world at large in form of credit. Outstanding funds through banks can be optimized to support the investment, which in turn encourages economic growth, and improves standards of living and equitable development. Therefore, the banking operations should be monitored closely by the stakeholders. The purpose of this study was to analyze the probability of bankruptcy of the banking sector and to analyze the relationship between accounting information in form of financial ratios (APB, ROA, ROA, ROE, LDR, NPL, ATTM, CAR, and NIM) to the probability of default (PD) by using KMV Merton. The object of this study is banks that are consistent listed in LQ 45 period 2009–2012 and issuing bond. The research result showed that the probability of bank failure from KMV Merton models give an indication of low level of bank failures with the highest rating of AAA, so PT Bank Rakyat Indonesia Tbk., PT Bank Mandiri Tbk, PT Danamon Indonesia Tbk., and PT BPD of West Java and Banten Tbk. are worth to be invested. The regression analysis of financial ratios can explain 88.44% in PD equation model. Based on the regression analysis performed, the independent variables in the regression have a significant effect on the dependent variable of the banks listed in LQ-45, which is the Operating Expenses to Operating Income (ROA) has a positive influence on PD and Against Capital Fixed Assets (ATTM ) has a negative effect on PD.
MANAJEMEN KONSERVASI ENERGI LISTRIK MELALUI PENDEKATAN FINANCIAL ASSESSMENT PADA PT XYZ Mukarom, Ajen; Irwanto, Abdul Kohar; Tambunan, Armansyah H.
Widyariset Vol 17, No 1 (2014): Widyariset
Publisher : LIPI-Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (614.656 KB)

Abstract

ThisresearchdiscussestheimplementationofelectricalenergyconservationmanagementatPT XYZ.The method used in this research utilizes measurement, survey, and interview. The data analysis includes descriptive analysis,EnergyConsumptionIntensity(IKE)measurement,identification ofenergysavingopportunities,and financialassessmentanalysisapproach.Theresultsofthisresearchshowthattheusagelevelandelectricalenergy costandIKEvalueon  PTXYZduring2012fluctuatedbuttheytendtodecline,theelectricityqualityofcosphi, electrical current unbalance, electrical frequency, voltage and current harmonic are still quite good.  However, the maximum value of electrical current unbalance exceeds the standard value, mainly in TR2/AC. Based on the observationandmeasurementontheOverallThermalTransferValue,ventilatingandairconditioning,andbuild- ing illumination areal system are suitable to the Indonesia National Standards (SNI). However, there are several ways to achieve the electrical energy conservation in ventilating and air conditioning, and lighting systems.MANAJEMEN KONSERVASI ENERGI LISTRIK MELALUI PENDEKATAN FINANCIALASSESSMENT PADAPTXYZ
STRATEGI OPTIMASI SISTEM MANAJEMEN RISIKO PEMBIAYAAN PADA BANK JABAR BANTEN SYARIAH Sharif, Adnan; Irwanto, Abdul Kohar; Maulana, Tubagus Nur Ahmad
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 10 No. 2 (2015): MANAJEMEN IKM
Publisher : Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (724.254 KB) | DOI: 10.29244/mikm.10.2.143-150

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One of the success indicator for the bank into manage their financing risk is a Non Performing Financing (NPF) level. On the last three years, BJB Syariah?s NPF trend keep increased, then be required a research to find out profile and financing risk level that be faced by BJB Syariah. This research has some objective to: (1) Analyzing of financing risk level that be faced by BJB Syariah and (2) Analyzing, reviewing of management such as mitigation program for financing risk that be faced by BJB Syariah. To analyzing financing risk level has been used CreditRisk+ model, meanwhile to reviewing management and financing risk mitigation has been used internal and external analysis, SWOT analysis (Strengths, Weaknesses, Opportunities and Threats) and AHP (Analytical Hierarchy Process). The result from this research is profile and financing risk level of BJB Syariah still quite fit. This matter looks from expected loss period 2012-2014 still can be covered by reserved productive asset that has been done by BJB Syariah. Strategy that needed to be performed as follows enhancement director act to make a financing strategic policy such as financing portfolio spread for industry sectors that has fit prospect, making feasibility valuation for new debtor with more prudent and right on target also strengthen character valuation for new debtor using credit bureau until scorecard method
PENGARUH PENGUNGKAPAN CORPORATE SOCIAL RESPONSIBILITY TERHADAP NILAI PERUSAHAAN PADA INDEKS SAHAM LQ45 Fauziah, Gusfarini; Irwanto, Abdul Kohar; Syamsun, Muhammad
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 11 No. 1 (2016): MANAJEMEN IKM
Publisher : Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (681.632 KB) | DOI: 10.29244/mikm.11.1.52-60

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CSR disclosure in Indonesia were still low and voluntary. CSR disclosure is expected to increase positive image of the company and attract investors to invest. This study aims: (1) analyze the effect of CSR disclosure toward corporate financial performance of LQ45 stock index (2) analyze the effect of CSR disclosure toward corporate stock performance of LQ45 stock index and (3) analyze the effect of financial performance toward corporate stock performance of LQ45 stock index. This study used the annual report and financial report of the sample companies on 2013. Test of relationship influences of CSR disclosure toward corporate value were measured by Structural Equation Modelling (SEM). The results of this study showed valid indicators as a measurement construct of CSR disclosure in the LQ45 stock index were environment and society but economic, Human Rights (HAM), social and product responsibility indicators were invalid. Valid indicators of financial performance as a measurement constructs were ROA but DER, DAR, NPM, and ROE were invalid. While PBV was valid as a measure of stock performance construct but EPS were invalid. The results of hypothesis testing explained CSR disclosure were not significant effect on the finansial performance and had negatively related. CSR disclosure were not significant effect on the stock performance and had negatively related. However financial performance were significant effect on the stock performance and had positively related.
PERAN ATRIBUT PRODUK DALAM KEPUTUSAN PEMBELIAN TERKAIT STRATEGI PEMASARAN SOYJOY DI AREA BOGOR Rheinnadia, -; Irwanto, Abdul Kohar; Najib, Mukhamad
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 11 No. 2 (2016): Manajemen IKM
Publisher : Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (609.437 KB) | DOI: 10.29244/mikm.11.2.123-128

Abstract

Food business competition in Indonesia is very diverse, because this promising industry is populated only by several large and small companies. Among the wide range of products produced by the company, there are not many food products making health as daily consumption product. Soyjoy is the first healthy product bar in Indonesia. Soyjoy sales in the Bogor area actually showed growth each year. These conditions encourage PT Amerta Indah Otsuka as Soyjoy producer to innovate and develop products with different attributes of the product in order to attract consumers to make purchases. This research is aimed to describe the Soyjoy consumer characteristics and sales trends in the area of Bogor, the effect of quality, brand image, pricing, and packaging (jointly or partial) on Soyjoy consumer buying interest and which attributes is the most dominant influence on buying interest Soyjoy in Bogor area analyzed by Structural Equation Modeling (SEM). The study showed that the quality, brand image and price positive and significant impact on consumer buying interest, and consumer buying interest and a significant positive influence on purchasing decisions. This research may provide an answer to the problem that quality is the consumer top priority in determining the choice between healthy snacks in the market. To improve purchasing decisions, companies need to increase buying interest in advance through product quality, brand image and price.
ANALISIS DAYA SAING DAN STRATEGI EKSPOR SINGKONG OLAHAN INDONESIA KE CHINA Yi, Fu Jing; Munandar, Jono M; Irwanto, Abdul Kohar
Jurnal Manajemen dan Organisasi Vol. 9 No. 2 (2018): Jurnal Manajemen dan Organisasi
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (704.282 KB) | DOI: 10.29244/jmo.v9i2.26093

Abstract

Cassava (Manihot esculenta Crantz) is one of the export commodities from food crops sector and has many potencies to be developed. Indonesia is one of the top-10 biggest countries that can produced cassava for the world. This research aimed to 1) identify the competitiveness rate of Indonesian processed cassava export to China as the destination country, 2) identify the internal and external factors of export of Indonesian processed cassava to China, and 3) identify the strategies that can be used to improve the export competitiveness of processed cassava to China. Revealed Comparative Advantage (RCA), was implemented to determinded the competitiveness rate of Indonesian processed cassava. Indonesian processed cassava in China?s export market for 5 years period from 2012 to 2016 has an average RCA index less than 1. This shows that during the whole year period, Indonesian processed cassava has weak comparative advantage, and also has a fairly low competitiveness in the China market. From that result, strategies to improve the competitiveness of cassava sales both from export and import can be done by using SWOT analysis. The results of the SWOT analysis can generate the alternative strategies through AHP analysis. The integration of internal and external factors needs to be done as a strategy of market penetration of processed cassava of Indonesia. Strategic alternatives that become the main priority in the effort to increase the export competitiveness of Indonesian processed cassava are farmers with starch products and technology adoption to increase the fulfillment of export quantity of processed cassava.