Septiana Novita Dewi, Septiana Novita
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PENGARUH JUMLAH MODAL AWAL, TINGKAT PENDIDIKAN, LAMA USAHA, KEUNTUNGAN USAHA, TINGKAT SUKU BUNGA DAN TINGKAT BUNGA PESAING TERHADAP JUMLAH PENGAMBILAN KREDIT MIKRO DI PD.BPR DJOKO TINGKIR KABUPATEN SRAGEN Haryanto, Aris Tri; Dewi, Septiana Novita
ProBank: Jurnal Ekonomi dan Perbankan Vol 4, No 1 (2019): April
Publisher : STIE AUB Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36587/probank.v4i1.447

Abstract

This research take title Factors Influencing Intake of Micro Credit in Company of Area Bank Credit People Djoko Tingkir Sragen regency. used by Data for analysis represent obtained primary data from Micro business unit faction responder and small business unit. Problem of which will look for by its answer in this research is Factor what influencing intake of micro credit in PD. the BPR Djoko Tingkir Sragen regency.Diantara factor which most having an effect on variable to intake of micro credit in PD. BPR Djoko Tingkir Sragen regency. Intention of this research is to know factors influencing the amount of intake of micro credit in PD. BPR Djoko Tingkir either through parsial and also collectively/together is same. To know variable having influence most dominant to amount of intake of micro credit in PD. BPR Djoko Tingkir. This Research benefit is Can be used by government in intake of wisdom related to effort of[is make-up of economic faction weaken to be expected can instruct usage of credit precisely for productive effort so that can improve earnings. Way of Intake of sampel in this research use sampling frame system, result of analisi use that, capital variable early effort, advantage ofis effort and competitor interest rate have an effect on by signifikan to intake of micro credit in PD. BPR Djoko Tingkir Sragen regency. At classic Test assumption of goodness test heteroskedastisitas and multikolinearitas there no problem and at located autokorelasi test is area there no is auto of correlation meaning that do not happened the problem of autokorelasi. Capital factor early effort, of is effort and rate of interest storey;level have an effect on by signifikan to intake of micro credit, hence suggested by every variable from micro business unit and also small business unit do/conduct intake of micro credit in PD BPR Djoko Tingkir. Stipulating of Rate of interest credit shall should not too high because with rate of interest which can be reached by middle and small micro small business unit faction will be able to improve credit ekspansi which is on finally will improve advantage. Party/ side BPR expected can give attention more especially in order to construction development and improvement continue effort for middle and small micro business unit ( UMKM). In general given credit or dikucurkan from Local Government to this BPR party better be added by its amount so that credit receiver coverage will be more many.
PENGARUH BRAND INTENTION DAN BRAND RELIABILITY TERHADAP BRAND LOYALTY DENGAN BRAND AFFECT SEBAGAI VARIABEL MEDIASI PENGGUNA ANDROID DI WILAYAH SURAKARTA Dewi, Septiana Novita; Mahendra, Denny; Haryanto, Aris Tri
ProBank: Jurnal Ekonomi dan Perbankan Vol 3, No 1 (2018): April
Publisher : STIE AUB Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36587/probank.v3i1.321

Abstract

Perkembangan teknologi dan informasi (IT) saat ini sangat pesat di seluruh dunia, termasuk Indonesia. Hal itu membuat persaingan dibidang usaha ini sangat ketat. Perusahaan yang bergerak dibidang teknologi dan informasi harus terus berinovasi agar dapat memenuhi kebutuhan pelanggannya juga mampu bersaing dengan perusahaan sejenis. Berdasarkan hal tersebut, tujuan penelitian ini adalah untuk mengetahui pengaruh brand intention dan brand reliability terhadap brand loyalty dengan brand affect sebagai variabel mediasi pengguna android di Wilayah Surakarta. Unit analisis dalam penelitian ini adalah individu yaitu pengguna android di wilayah Surakarta. Sampel dalam penelitian ini sebanyak 250 responden dan sudah memenuhi kriteria  menggunakan teknik SEM (Structural Equation Modeling). Berdasarkan hasil analisis dapat diambil kesimpulan bahwa: niat merek (brand intention) berpengaruh positif pada pengaruh merek (brand affect). kehandalan merek (brand reliability) berpengaruh positif pada pengaruh merek (brand affect). niat merek (brand intention) berpengaruh positif pada loyalitas merek (brand loyalty). keandalan merek (brand reliability) berpengaruh positif pada loyalitas merek (brand loyalty. pengaruh merek (brand affect) berpengaruh positif pada loyalitas merek (brand loyalty). Hasil analisis jalur menunjukkan bahwa : pengaruh langsung niat merek (brand intention) terhadap loyalitas merek (brand loyalty) lebih besar dibandingkan melalui pengaruh merek (brand affect). pengaruh langsung keandalan merek (brand reliability) terhadap loyalitas merek (brand loyalty) lebih besar dibandingkan melalui pengaruh merek (brand affect). Kata Kunci   :    Brand Intention Dan Brand Reliability, Brand Affect, Brand Loyalty
PERBANDINGAN SEBELUM DAN SESUDAH PENERAPAN PROGRAM PNPM MANDIRI DALAM PENDAPATAN KARTU KELUARGA MISKIN (STUDI DI KECAMATAN SIDOHARJO KABUPATEN SRAGEN) Haryanto, Aris Tri; Dewi, Septiana Novita
ProBank: Jurnal Ekonomi dan Perbankan Vol 2, No 1 (2017): April
Publisher : STIE AUB Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36587/probank.v2i1.127

Abstract

Salah satu persoalan yang dimiliki bangsa Indonesia adalah kemiskinan dan pengangguran, sehingga untuk meningkatkan efektifitas penanggulangan kemiskinan dan penciptaan lapangan kerja, pemerintah meluncurkan program penanggulangan kemiskinan yang salah satunya merupakan Program Nasional Pemberdayaan Masyarakat (PNPM) Mandiri. Tujuan penelitian ini adalah untuk mengetahui pengaruh program PNPM terhadap pendapatan kartu keluarga miskin di Kecamatan Sidoharjo Kabupaten Sragen. Hasil penelitian menunjukkan bahwa dampak Program PNPM adalah adanya pinjaman dana PNPM meningkatkan produksi usaha anggota kelompok UPPKS sebesar 95,5%. Adanya pinjaman dana PNPM meningkatkan jumlah tenaga kerja usaha anggota kelompok UPPKS sebesar 87%. Adanya pinjaman dana PNPM meningkatkan penghasilan usaha anggota kelompok UPPKS sebesar 65,5%.Kata Kunci      :   PNPM, Pendapatan Kartu Keluarga Miskin
PURCHASING DECISION EFFORTS AT YOEDHA REKLAME KALILARANGAN SURAKARTA REVIEWED FROM THE ASPECT OF MARKETING MIX Dewi, Septiana Novita; Dwijayanti, Sinta Patma
KELOLA Vol 6, No 1 (2019): July
Publisher : KELOLA

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Abstract

The purpose of this study was to empirically analyze the effect of product, price, location, promotion and distribution on purchasing decisions on Yoedha Reklame Kalilarngan. The population in this study is customersat Yoedha Reklame Kalilarangan. The sample of this study was taken as many as 90 samples used as respondents. The analysis method in this study consisted of testing instruments, classic assumption tests, multiple linear regression analysis, t test, F test and ?2  test. Based on the results of the analysis show that the validity and reliability test on all items asked questions proved to be valid and reliable. The classic assumption test results show that this study does not occur multicollinearity, there is no heteroscedasticity, autocorrelation in the regression model and normally distributed. The results of multiple linear regression coefficients show thatthe product variable has a negative effect and the variable price, location, promotion, distribution has a positive effect on purchasing decisions in Yoedha Reklame Kalilarangan. The results of the t test show that the product has a negative and insignificant effect, for prices, promotions and distribution to have a positive and significant effect, while the location has a positive and insignificant effect on purchasing decisions at Yoedha ReklameKalilarangan. The results of the F test indicate that there is a significant influence between product, price, location, promotion and distribution together on purchasing decisions in Yoedha Reklame Kalilarangan.Meanwhile, the results of the ?2  test (coefficient of determination) are known that product variables, price, location, promotion and distribution are able to explain 48.4% of the purchase decision variable, while the remaining 51.6% is explained by other variables such as brand image, brand image, and consumer loyalty.
PERBANDINGAN SEBELUM DAN SESUDAH PENERAPAN PROGRAM PNPM MANDIRI DALAM PENDAPATAN KARTU KELUARGA MISKIN (STUDI DI KECAMATAN SIDOHARJO KABUPATEN SRAGEN) Haryanto, Aris Tri; Dewi, Septiana Novita; Choerudin, Achmad
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Publisher : Sekolah Tinggi Ilmu Ekonomi AUB Surakarta

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Abstract

Salah satu persoalan yang dimiliki bangsa Indonesia adalah kemiskinan dan pengangguran, sehingga untuk meningkatkan efektifitas penanggulangan kemiskinan dan penciptaan lapangan kerja, pemerintah meluncurkan program penanggulangan kemiskinan yang salah satunya merupakan Program Nasional Pemberdayaan Masyarakat (PNPM) Mandiri. Tujuan penelitian ini adalah untuk mengetahui pengaruh program PNPM terhadap pendapatan kartu keluarga miskin di Kecamatan Sidoharjo Kabupaten Sragen. Hasil penelitian menunjukkan bahwa dampak Program PNPM adalah adanya pinjaman dana PNPM meningkatkan produksi usaha anggota kelompok UPPKS sebesar 95,5%. Adanya pinjaman dana PNPM meningkatkan jumlah tenaga kerja usaha anggota kelompok UPPKS sebesar 87%. Adanya pinjaman dana PNPM meningkatkan penghasilan usaha anggota kelompok UPPKS sebesar 65,5%.Kata Kunci      :   PNPM, Pendapatan Kartu Keluarga Miskin
PENGARUH KEPUASAN KONSUMEN SEBAGAI MEDIATOR BAURAN PEMASARAN TERHADAP KEPUTUSAN PEMBELIAN (Studi Pada Rumah Makan Pondok Padi Organik di Sragen) Haryanto, Aris Tri; Dewi, Septiana Novita
Journal of Economic Education Vol 5 No 2 (2016): November 2016
Publisher : Journal of Economic Education

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Abstract

Para pemasar telah mengenal empat komponen dasar atau unsur-unsur yang biasa disebut dengan 4p (product, price, promotion, dan place) yang digunakan untuk menciptakan strategi pemasaran dalam mencapai keunggulan bersaing. Tujuan penelitian ini adalah mengetahui secara empiris peran bauran pemasaran terhadap keputusan pembelian dengan kepuasan konsumen sebagai variabel mediator (Studi pada Rumah makan Pondok Padi Organik di Sragen). Populasi dalam penelitian ini adalah konsumen di Rumah makan Pondok Padi Organik di Sragen pada bulan April tahun 2016 sejumlah 950 konsumen. sampel diambil sebesar 10% dari jumlah populasi, yaitu sebesar 95 responden dengan teknik random sampling. Hasil penelitian menunjukkan bahwa produk dan harga berpengaruh tidak signifikan terhadap kepuasan konsumen, distribusi dan promosi berpengaruh signifikan terhadap kepuasan konsumen. Produk, harga, distribusi, promosi dan kepuasan konsumen berpengaruh signifikan terhadap keputusan pembelian. Hasil path analysis menunjukkan bahwa pengaruh secara langsung lebih besar dibandingkan pengaruh tidak langsung. Harga merupakan variabel paling dominan dalam meningkatkan keputusan pembelian konsumen Rumah makan Pondok Padi Organik di Sragen.   The marketers have known four basic components or elements that are commonly referred to 4p (product, price, promotion, and place) that is used to create a marketing strategy to achieve competitive advantage. The purpose of this study was to determine empirically the role of marketing mix on purchasing decisions with customer satisfaction as a mediator variable (Study on Organic Rice diner cottage in Sragen). The population in this study is that consumers in the House dining lodge Organic Rice in Sragen in April 2016 a number of 950 consumers. samples were taken by 10% of the total population, which amounted to 95 respondents by random sampling technique. The results showed that the product and the price is not significant effect on customer satisfaction, distribution and promotion of significant effect on customer satisfaction. Product, price, distribution, promotion and customer satisfaction significantly influence. purchasing decisions. The results of path analysis showed that the direct effect is greater than the indirect effect. Price is the most dominant variable in increasing consumer purchasing decisions Rumah Pondok Organic Rice meal in Sragen.
Pengaruh Brand Intention dan Brand Reliability terhadap Brand Loyalty dengan Brand Affect sebagai Variabel Mediasi Pengguna Android di Wilayah Surakarta Dewi, Septiana Novita; Mahendra, Denny; Haryanto, Aris Tri
Benefit: Jurnal Manajemen dan Bisnis Volume 3 No 1 Juni 2018
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/benefit.v3i1.5724

Abstract

Perkembangan teknologi dan informasi (IT) saat ini sangat pesat di seluruh dunia, termasuk Indonesia. Hal itu membuat persaingan dibidang usaha ini sangat ketat. Perusahaan yang bergerak dibidang teknologi dan informasi harus terus berinovasi agar dapat memenuhi kebutuhan pelanggannya juga mampu bersaing dengan perusahaan sejenis. Berdasarkan hal tersebut, tujuan penelitian ini adalah untuk mengetahui pengaruh brand intention dan brand reliability terhadap brand loyalty dengan brand affect sebagai variabel mediasi pengguna android di Wilayah Surakarta. Unit analisis dalam penelitian ini adalah individu yaitu pengguna android di wilayah Surakarta. Sampel dalam penelitian ini sebanyak 250 responden dan sudah memenuhi kriteria  menggunakan teknik SEM (Structural Equation Modeling). Berdasarkan hasil analisis dapat diambil kesimpulan bahwa: niat merek (brand intention) berpengaruh positif pada pengaruh merek (brand affect). kehandalan merek (brand reliability) berpengaruh positif pada pengaruh merek (brand affect). niat merek (brand intention) berpengaruh positif pada loyalitas merek (brand loyalty). keandalan merek (brand reliability) berpengaruh positif pada loyalitas merek (brand loyalty. pengaruh merek (brand affect) berpengaruh positif pada loyalitas merek (brand loyalty). Hasil analisis jalur menunjukkan bahwa : pengaruh langsung niat merek (brand intention) terhadap loyalitas merek (brand loyalty) lebih besar dibandingkan melalui pengaruh merek (brand affect). pengaruh langsung keandalan merek (brand reliability) terhadap loyalitas merek (brand loyalty) lebih besar dibandingkan melalui pengaruh merek (brand affect)
PENGARUH ENTREPRENEURIAL MARKETING, INNOVATION, DAN COSTUMER EXPERIENCE TERHADAP KINERJA PEMASARAN JASA LAUNDRY DI YOGYAKARTA Putriningtyas, Siwi; Nasution, Mulyadi Arjun; Dewi, Septiana Novita
KELOLA Vol 5, No 1 (2018): July
Publisher : KELOLA

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Abstract

Research this aim for analyze influence entrepreneurial marketing, innovation, and customer experience to performance marketing laundry services in Yogyakarta. Method taking sample using simple random sampling. Method The analysis is analysis qualitative in kuantitatifkan with use test validity, reliability, test assumption classic, Multiple linear test, t test, F test, and coefficient determination. With use method regression multiple could concluded that variable entrepreneurial marketing, innovation, and customer experience take effect significant to performance marketing laundry services in Yogyakarta. With use t test can is known that all variable bepengaruh positive and significantly. Coofisien The resulting determination is of 0.364 which means that 36, 4% were able to explained by variable entrepreneurial marketing, innovation, and customer experience on together. Keywords: Entrepreneurial Marketing, Innovation, and Customer Experience, Performance Marketing.
THE PREDICTION OF BANKRUPTCY WITH MODEL GROVER, ALTMAN Z-SCORE, AND ZAVGREN LOGIT IN COMPANY RETAIL RELEASE REGISTERED IN BEI " (2014-2016) Nindriyani, Anis; Sapariyah, Rina Ani; Dewi, Septiana Novita
ADVANCE Vol 5, No 1 (2018): July
Publisher : ADVANCE

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Abstract

This research aims to provide empirical evidence that: there is a difference between the model of Grover Altman Z-Score, and Zavgren Logit on Retail Company. The sample used in this research is Retail Company listed in BEI 2014-2016 by using purposive sampling method. The types and sources of data used are secondary data in the form of financial reports published and downloaded from the official website IDX. the analytical techniques used to measure the potential for bankruptcy are Grover, Altman Z-Score, and Zavgren Logit models. The determination of the differences between the models is One Way Anova Kruskal-Wallis Test and Mann Whitney  U Test . The result of the research with Grover model shows 1 company entering bankrupt category and 16 companies entering category not bankrupt. Altman Z-Score model shows 1 company entering the category of bankruptcy, 9 companies enter the category of vulnerable and 7 companies enter the healthy category. Zavgren Logit model shows 6 companies enter the category of vulnerable and 11 companies enter the healthy category. One Way Anova Kruskal-Wallis test results  a significant difference from the three models in predicting of bankruptcy Retail companies. Man Whitney U Test test results show there is no significant difference in the Grover-Zavgren Logit model and there are significant differences between the Altman Z-Score - Zavgren Logit models and Grover - Altman Z-Score.Keywords: Bankruptcy, Grover, Altman Z-Score, Zavgren Logit
EFFECT OF WORK EXPERIENCE, INDEPENDENCE, COMPETENCE, PROFESSIONAL CARE DUE AND PROFESSIONAL ETHICS TO AUDIT QUALITY Prasetyawati, Gracia Indah; Kusdiasmo, Bambang; Dewi, Septiana Novita
ADVANCE Vol 5, No 1 (2018): July
Publisher : ADVANCE

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This study aims to test and provide empirical evidence that the significance of the influence of work experience, auditor independence, auditor competence, due professional care and professional ethics to audit quality at Public Accounting Firm. The population in this study are auditors working in Surakarta, Yogyakarta and Semarang. The number of samples in this study were 70 people. Sampling was done by Purposive Sampling. The types and sources of data are obtained from primary data sources. The analytical technique used in this study consisted of test instrument research that is the test of validity and reliability test, classical assumption test, multiple linear regression analysis, t test, F test and test R2 . The result of the analysis shows that the work experience and independence of the auditor have a significant positive effect on audit quality, auditor competence, due professional care and professional ethics have no significant positive effect on audit quality. The result of determination coefficient of (R2) is 0,559 or 55,9%. It means that the percentage of donation given by the independent variable is work experience, auditor independency, auditor competence, professional care and professional ethics toward dependent variable that is audit quality (Y) is 55,9%, while the rest 44,1% explained by variable others not analyzed in this study.Keywords: work experience, independence, competence, due professional care, professional ethics and audit quality