Marketing strategies will be effective if supported by the right marketing mix strategy. One of the business units of PT Permodalan Nasional Madani Indramayu is required to contribute by achieving branch income in accordance with the predetermined target. Revenue optimization can be achieved by maximizing the distribution of financing to ultra-micro, micro and small businesses. This research aims to determine the effect of marketing mix (product, price, place, promotion, people, physical evidence, and process) on the decision to become a microfinance customer at PT Permodalan Nasional Madani Indramayu so that the right marketing mix strategy can be determined to increase the distribution of microfinance at the company. This research is quantitative with a correlational approach. In addition, the sampling technique used in this research is slovin technique. Research uses 2 variables. The dependent variable used the customer’s decision, while the independent variable, that is, the variable that is used as the cause of changes or that affects the dependent variable, is the marketing mix which includes product, physical evidence, people, process, promotion, place, and price.
如果有正确的营销组合策略支持，营销策略将是有效的。PT Permodalan Nasional Madani Indramayu的一个业务单位需要按照预定目标实现分支收入。通过对超微、微、小企业融资的最大化分配，实现收益优化。本研究旨在确定营销组合(产品、价格、地点、促销、人员、实物证据和流程)对PT Permodalan Nasional Madani Indramayu小额信贷客户决策的影响，以便确定正确的营销组合策略，以增加小额信贷在公司的分布。本研究采用相关方法进行定量分析。此外，本研究中使用的采样技术是slovin技术。研究使用了2个变量。因变量使用的是顾客的决定，而自变量，即作为变化的原因或影响因变量的变量，是营销组合，包括产品、实物证据、人员、过程、促销、地点和价格。
{"title":"MARKETING MIX STRATEGY TO INCREASE MICROFINANCE DISTRIBUTION AT PT PERMODALAN NASIONAL MADANI INDRAMAYU","authors":"None Irmana","doi":"10.56943/joe.v2i3.371","DOIUrl":"https://doi.org/10.56943/joe.v2i3.371","url":null,"abstract":"Marketing strategies will be effective if supported by the right marketing mix strategy. One of the business units of PT Permodalan Nasional Madani Indramayu is required to contribute by achieving branch income in accordance with the predetermined target. Revenue optimization can be achieved by maximizing the distribution of financing to ultra-micro, micro and small businesses. This research aims to determine the effect of marketing mix (product, price, place, promotion, people, physical evidence, and process) on the decision to become a microfinance customer at PT Permodalan Nasional Madani Indramayu so that the right marketing mix strategy can be determined to increase the distribution of microfinance at the company. This research is quantitative with a correlational approach. In addition, the sampling technique used in this research is slovin technique. Research uses 2 variables. The dependent variable used the customer’s decision, while the independent variable, that is, the variable that is used as the cause of changes or that affects the dependent variable, is the marketing mix which includes product, physical evidence, people, process, promotion, place, and price.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"24 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136242506","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}
This research evaluated the low attendance of members during weekly group meetings at Permodalan Nasional Madani (PNM) Mekaar in Solo. This research aims to determine the factors that inhibit group members from attending weekly group meetings and identify policies taken by PNM Mekaar to ensure weekly group meetings stay active. Purposive sampling was used to select the research subjects, who must have joined PNM Mekaar at least since 2020, be registered as customers at PNM Mekaar, be registered as employees at PNM Mekaar for at least six months, and have agreed to participate in the research. Based on the findings, internal and external factors contributed to the problem of group members who had to attend weekly group meetings. These internal factors included less friendly account officers, no ceremonial weekly group meetings, weekly group meetings starting to focus solely on instalments, overworked account officers, new account officers still in training, high member turnover within three months, senior account officers and account officers not outlining key points of the cooperation agreement, and PT PNM Mekaar delegating the responsibility of customer education to the group leader. Meanwhile, other external factors, which include customers’ busy schedules and the laziness of some customers after years of paying instalments, prevent group members from attending weekly group meetings. PNM Mekaar's policy of delegating customer evaluation to its officers allows the weekly group meetings to operate as usual.
{"title":"EVALUATION OF LOW ATTENDANCE OF MEMBERS DURING WEEKLY GROUP MEETINGS AT PERMODALAN NASIONAL MADANI (PNM) MEKAAR SOLO","authors":"Ananto Seno","doi":"10.56943/joe.v2i3.370","DOIUrl":"https://doi.org/10.56943/joe.v2i3.370","url":null,"abstract":"This research evaluated the low attendance of members during weekly group meetings at Permodalan Nasional Madani (PNM) Mekaar in Solo. This research aims to determine the factors that inhibit group members from attending weekly group meetings and identify policies taken by PNM Mekaar to ensure weekly group meetings stay active. Purposive sampling was used to select the research subjects, who must have joined PNM Mekaar at least since 2020, be registered as customers at PNM Mekaar, be registered as employees at PNM Mekaar for at least six months, and have agreed to participate in the research. Based on the findings, internal and external factors contributed to the problem of group members who had to attend weekly group meetings. These internal factors included less friendly account officers, no ceremonial weekly group meetings, weekly group meetings starting to focus solely on instalments, overworked account officers, new account officers still in training, high member turnover within three months, senior account officers and account officers not outlining key points of the cooperation agreement, and PT PNM Mekaar delegating the responsibility of customer education to the group leader. Meanwhile, other external factors, which include customers’ busy schedules and the laziness of some customers after years of paying instalments, prevent group members from attending weekly group meetings. PNM Mekaar's policy of delegating customer evaluation to its officers allows the weekly group meetings to operate as usual.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"86 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136242365","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}
Business growth in the financial institution sector in Indonesia is currently providing stronger competition among similar industries. Then, PT PNM Ventura Syariah is working hard in improving the employee performance. The research population is all employees at PT PNM Ventura Syariah with a sample size that selected using proportional random sampling technique. The data obtained were analyzed using descriptive analysis and SEM PLS analysis. The objective of this research is to determine whether the variables of organisational culture, leadership style, and job satisfaction on employee performance. The research results indicated that organizational culture variable had no effect on employee performance, but the leadership style and job satisfaction variable has a positive effect on employee performance. In addition, organizational culture variables directly have a positive effect on job satisfaction, and leadership style variable has no effect on job satisfaction. Moreover, job satisfaction variable is not able to mediate the effect of organizational culture on employee performance. Then, job satisfaction variable is able to mediate the effect of leadership style on employee performance.
{"title":"THE INFLUENCE OF ORGANISATIONAL CULTURE AND LEADERSHIP STYLE ON EMPLOYEE PERFORMANCE IN FINANCING DISTRIBUTION WITH EMPLOYEE SATISFACTION AS AN INTERVENING VARIABLE AT PT PNM VENTURA SYARIAH","authors":"Engga Trijaya, Dra. Siti Safaria","doi":"10.56943/joe.v2i3.363","DOIUrl":"https://doi.org/10.56943/joe.v2i3.363","url":null,"abstract":"Business growth in the financial institution sector in Indonesia is currently providing stronger competition among similar industries. Then, PT PNM Ventura Syariah is working hard in improving the employee performance. The research population is all employees at PT PNM Ventura Syariah with a sample size that selected using proportional random sampling technique. The data obtained were analyzed using descriptive analysis and SEM PLS analysis. The objective of this research is to determine whether the variables of organisational culture, leadership style, and job satisfaction on employee performance. The research results indicated that organizational culture variable had no effect on employee performance, but the leadership style and job satisfaction variable has a positive effect on employee performance. In addition, organizational culture variables directly have a positive effect on job satisfaction, and leadership style variable has no effect on job satisfaction. Moreover, job satisfaction variable is not able to mediate the effect of organizational culture on employee performance. Then, job satisfaction variable is able to mediate the effect of leadership style on employee performance.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"104 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136242367","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}
This research investigates Benford’s Law as a statistical instrument to detect financial fraud and errors. Benford's Law, also known as the First-Digit Law, states that lesser digits, specifically '1', frequently appear as the leading digit in numerous numerical datasets, and deviations from this distribution may indicate potential financial irregularities. This research examines literature demonstrating the application and efficacy of Benford’s Law in identifying numerical inconsistencies indicative of financial misconduct. This research investigates the use of Benford’s Law as a tool of detecting error and fraudulent activities within the sales data of two branches during 2022. A comprehensive dataset of 3098 records from Bandung and 539 records from Surabaya was collected after excluding certain data points that exhibited abnormalities. The application of Benford's statistical test discovered a discrepancy between the Benford probability and the observed probability, suggesting the presence of possible errors and frauds. The audit findings unveiled anomalies in pricing and instances of fraudulent activities in both locations, primarily due to pricing discrepancies and incorrect price inputs from sales orders. Furthermore, instances of fraud involved the manipulation of set prices for personal gain by salesmen. The results affirmed the hypothesis that a larger deviation between Benford’s probability and the observed probability corresponded with a higher incidence of error and fraud. However, it observes that Benford’s Law is not a stand-alone solution for detecting fraud, as not all financial datasets conform to it and deviations from the law only indicate the possibility of fraud, not confirm it. Therefore, the research suggests using Benford’s Law in conjunction with other data analysis and auditing techniques to conduct a comprehensive investigation. The conclusion of research emphasizes the significance of Benford’s Law in the field of forensic accounting and the need for multidimensional strategies for effective error and fraud detection.
{"title":"NUMBERS DON’T LIE: DECODING FINANCIAL ERROR AND FRAUD THROUGH BENFORD’S LAW","authors":"Gregorius Rudy Antonio","doi":"10.56943/joe.v2i3.367","DOIUrl":"https://doi.org/10.56943/joe.v2i3.367","url":null,"abstract":"This research investigates Benford’s Law as a statistical instrument to detect financial fraud and errors. Benford's Law, also known as the First-Digit Law, states that lesser digits, specifically '1', frequently appear as the leading digit in numerous numerical datasets, and deviations from this distribution may indicate potential financial irregularities. This research examines literature demonstrating the application and efficacy of Benford’s Law in identifying numerical inconsistencies indicative of financial misconduct. This research investigates the use of Benford’s Law as a tool of detecting error and fraudulent activities within the sales data of two branches during 2022. A comprehensive dataset of 3098 records from Bandung and 539 records from Surabaya was collected after excluding certain data points that exhibited abnormalities. The application of Benford's statistical test discovered a discrepancy between the Benford probability and the observed probability, suggesting the presence of possible errors and frauds. The audit findings unveiled anomalies in pricing and instances of fraudulent activities in both locations, primarily due to pricing discrepancies and incorrect price inputs from sales orders. Furthermore, instances of fraud involved the manipulation of set prices for personal gain by salesmen. The results affirmed the hypothesis that a larger deviation between Benford’s probability and the observed probability corresponded with a higher incidence of error and fraud. However, it observes that Benford’s Law is not a stand-alone solution for detecting fraud, as not all financial datasets conform to it and deviations from the law only indicate the possibility of fraud, not confirm it. Therefore, the research suggests using Benford’s Law in conjunction with other data analysis and auditing techniques to conduct a comprehensive investigation. The conclusion of research emphasizes the significance of Benford’s Law in the field of forensic accounting and the need for multidimensional strategies for effective error and fraud detection.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136214846","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}
According to Article 1 of Law No. 43/1999, the duties of civil servants are to improve the effectiveness, efficiency, and level of professionalism in implementing their main duties and functions. The objective of this research is to determine the effect of education, training, motivation on civil servant performance at the city population and civil registration office, East Seram. Primary data was obtained using questionnaires to 57 selected respondents and interviews; and secondary data was obtained from available literature. The analytical tool used is descriptive analysis of multiple linear regression. The results of this research indicated that education, training, and motivation have a significant effect on employee performance simultaneously. In addition, education partially has a significant effect on employee performance, and training partially has a significant effect on employee performance. Moreover, motivation has a significant partial effect on employee performance, and the variation of employee performance is described by education, training, and motivation at 51.7% while 48.3% is described by other variables outside this research, such as work stress, work environment, and so on.
{"title":"THE EFFECT OF EDUCATION, TRAINING, AND MOTIVATION ON THE CIVIL SERVANT PERFORMANCE AT THE CITY POPULATION AND CIVIL REGISTRATION OFFICE, EAST SERAM","authors":"Mohamad Amin","doi":"10.56943/joe.v2i3.356","DOIUrl":"https://doi.org/10.56943/joe.v2i3.356","url":null,"abstract":"According to Article 1 of Law No. 43/1999, the duties of civil servants are to improve the effectiveness, efficiency, and level of professionalism in implementing their main duties and functions. The objective of this research is to determine the effect of education, training, motivation on civil servant performance at the city population and civil registration office, East Seram. Primary data was obtained using questionnaires to 57 selected respondents and interviews; and secondary data was obtained from available literature. The analytical tool used is descriptive analysis of multiple linear regression. The results of this research indicated that education, training, and motivation have a significant effect on employee performance simultaneously. In addition, education partially has a significant effect on employee performance, and training partially has a significant effect on employee performance. Moreover, motivation has a significant partial effect on employee performance, and the variation of employee performance is described by education, training, and motivation at 51.7% while 48.3% is described by other variables outside this research, such as work stress, work environment, and so on.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"29 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135608291","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}
The application of mobile payment has not been spread to all Indonesians. However, there are many companies that have started to release and develop their own versions of mobile payment systems. Mobile payment systems, which are innovative forms of financial processing, connect customers and vendors online to complete transactions. The implication of mindfulness has been implicated in many mobile business intelligence technologies. Therefore, this research aims to determine the implications of mindfulness on mobile payment; to analyze hypotheses regarding the performance of mindfulness in affecting perceived usefulness, perceived ease of use, subjective norms, and attitudes. SEM applies with statistical methods in representing data and applies many models in achieving research objectives and resolving research problems. There were 251 data that represented active users who had experience in using mobile payments. The results of this research indicate that mindfulness has good exploratory strength in predicting consumer intention to adopt mobile payment, and it is proven that has a positive and significant impact on its four dimensions such as perceived ease of use, perceived benefits, and attitudes, which directly affect the intention to use.
{"title":"THE IMPACT OF MINDFULNESS ON MOBILE PAYMENT TOOL USAGE","authors":"Saidatul Humayrah","doi":"10.56943/joe.v2i3.350","DOIUrl":"https://doi.org/10.56943/joe.v2i3.350","url":null,"abstract":"The application of mobile payment has not been spread to all Indonesians. However, there are many companies that have started to release and develop their own versions of mobile payment systems. Mobile payment systems, which are innovative forms of financial processing, connect customers and vendors online to complete transactions. The implication of mindfulness has been implicated in many mobile business intelligence technologies. Therefore, this research aims to determine the implications of mindfulness on mobile payment; to analyze hypotheses regarding the performance of mindfulness in affecting perceived usefulness, perceived ease of use, subjective norms, and attitudes. SEM applies with statistical methods in representing data and applies many models in achieving research objectives and resolving research problems. There were 251 data that represented active users who had experience in using mobile payments. The results of this research indicate that mindfulness has good exploratory strength in predicting consumer intention to adopt mobile payment, and it is proven that has a positive and significant impact on its four dimensions such as perceived ease of use, perceived benefits, and attitudes, which directly affect the intention to use.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"43 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135608292","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}
Managing human resources well is important for an organisation to be able to compete with other more advanced organisations, however, in managing human resources is different from other sources, it requires an effort to establish a harmonious relationship between workers and the organisation. Therefore, the research aims to determine and examine the variables of leadership style, motivation and work discipline that have a simultaneous, partial, and dominant effect on employee performance at PT Mega Daya Motor Surabaya (Mazda, East Java branch). The approach used is a quantitative approach. The data collection used was interviews, questionnaires, and observation. In addition, the sampling technique in this research used probability sampling technique with 60 respondents, employees of PT Mega Daya Motor Surabaya. The results of testing the model simultaneously obtained the value of F count 30.909> F table 2.77. Moreover, the resulting significant value is 0.000 which is < α = 5% = 0.05, so it can be concluded Leadership Style (X1), Motivation (X2) and Work Discipline (X3) simultaneously have a significant effect on Employee Performance (Y) PT Mega Daya Motor Surabaya (Mazda, East Java Branch).
管理好人力资源对于一个组织能够与其他更先进的组织竞争是很重要的，然而，在管理人力资源不同于其他资源，它需要努力建立工人与组织之间的和谐关系。因此，本研究旨在确定和检验领导风格、动机和工作纪律的变量，这些变量对PT Mega Daya Motor Surabaya(马自达，东爪哇分公司)的员工绩效有同时的、部分的和主导的影响。使用的方法是定量方法。数据收集采用访谈、问卷调查和观察。此外，本研究的抽样技术采用概率抽样技术，对60名受访者，PT Mega Daya Motor Surabaya的员工进行了调查。对模型的测试结果同时得到F count值30.909>F表2.77。结果显著值为0.000，即<α = 5% = 0.05，因此可以得出领导风格(X1)、动机(X2)和工作纪律(X3)同时对员工绩效(Y)有显著影响。
{"title":"THE EFFECT OF LEADERSHIP STYLE, MOTIVATION, AND WORK DISCIPLINE ON EMPLOYEE PERFORMANCE AT PT MEGA DAYA MOTOR SURABAYA (MAZDA, EAST JAVA BRANCH)","authors":"Elly Yuniar Nitawati, Nurul Iman, Talita Amanda","doi":"10.56943/joe.v2i3.348","DOIUrl":"https://doi.org/10.56943/joe.v2i3.348","url":null,"abstract":"Managing human resources well is important for an organisation to be able to compete with other more advanced organisations, however, in managing human resources is different from other sources, it requires an effort to establish a harmonious relationship between workers and the organisation. Therefore, the research aims to determine and examine the variables of leadership style, motivation and work discipline that have a simultaneous, partial, and dominant effect on employee performance at PT Mega Daya Motor Surabaya (Mazda, East Java branch). The approach used is a quantitative approach. The data collection used was interviews, questionnaires, and observation. In addition, the sampling technique in this research used probability sampling technique with 60 respondents, employees of PT Mega Daya Motor Surabaya. The results of testing the model simultaneously obtained the value of F count 30.909> F table 2.77. Moreover, the resulting significant value is 0.000 which is < α = 5% = 0.05, so it can be concluded Leadership Style (X1), Motivation (X2) and Work Discipline (X3) simultaneously have a significant effect on Employee Performance (Y) PT Mega Daya Motor Surabaya (Mazda, East Java Branch).","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"590 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135608294","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}
Specialised financial institutions consisting of several institutions or companies established to fulfil specific tasks and functions, usually related to support government programmes for the community’s welfare. One of specialised financial institution is PT Permodalan Nasional Madani Semarang. It is a state-owned financial institution established as a commitment by the government to develop, promote and maintain MSMEs and Co-operatives. Therefore, this research aims to find out the effective method to overcome communication problems among customers due to the distinctiveness of Mekaar customers. The approach used is a descriptive qualitative approach which uses purposive sampling techniques combined with deductive data analysis. The results indicate that intents communication with customers regarding financing at Meekar co-operative is conducted to prevent defaults by customers in the future. In addition, assistance to customers must also be provided so that PT PNM policies can be implemented properly and customers are able to conduct non-cash transactions to reduce the risk of loss and so on.
由若干机构或公司组成的专门金融机构，以履行特定的任务和职能，通常与支持政府的社会福利方案有关。其中一个专门的金融机构是PT Permodalan Nasional Madani Semarang。它是一家国有金融机构，由政府承诺发展、促进和维护中小微企业和合作社。因此，本研究旨在寻找有效的方法来克服由于Mekaar客户的独特性而导致的客户之间的沟通问题。使用的方法是描述性定性方法，使用有目的的抽样技术与演绎数据分析相结合。结果表明，在Meekar合作社与客户就融资进行了意向沟通，以防止客户在未来违约。此外，还必须为客户提供帮助，使PT PNM政策能够正确实施，客户能够进行非现金交易，以减少损失风险等。
{"title":"COMMUNICATION STRATEGY FOR MEKAAR CUSTOMERS OF PT PERMODALAN NASIONAL MADANI SEMARANG","authors":"Mohammad Rizal Hakim","doi":"10.56943/joe.v2i3.353","DOIUrl":"https://doi.org/10.56943/joe.v2i3.353","url":null,"abstract":"Specialised financial institutions consisting of several institutions or companies established to fulfil specific tasks and functions, usually related to support government programmes for the community’s welfare. One of specialised financial institution is PT Permodalan Nasional Madani Semarang. It is a state-owned financial institution established as a commitment by the government to develop, promote and maintain MSMEs and Co-operatives. Therefore, this research aims to find out the effective method to overcome communication problems among customers due to the distinctiveness of Mekaar customers. The approach used is a descriptive qualitative approach which uses purposive sampling techniques combined with deductive data analysis. The results indicate that intents communication with customers regarding financing at Meekar co-operative is conducted to prevent defaults by customers in the future. In addition, assistance to customers must also be provided so that PT PNM policies can be implemented properly and customers are able to conduct non-cash transactions to reduce the risk of loss and so on.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"15 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135608144","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}
The ability of a company to compete is determined by the company’s performance. If there is a lack of effectiveness in the company’s performance, then company leaders can take the right action to ensure that things become more efficient. Moreover, performance measurement is closely related to the company’s financial condition. Every company should create and use financial reports in the process of managing the company’s finances. Therefore, this research is needed to find out the effect of profitability, liquidity, leverage, sales growth on financial distress in consumer and non-consumer cyclicals companies listed on the IDX during the 2019-2021. The sampling method used in this research is nonprobability sampling by applying purposive sampling technique. The sample used in this research consists of trading companies listed on the Indonesia Stock Exchange (IDX) during the 2019-2021 that are engaged in buying and selling activities without production. The results of this research indicate that (1) the profitability ratio measured using Return on Asset has a positive effect on financial distress; (2) the profitability ratio measured using Return on Equity has a negative effect on financial distress; (3) the liquidity ratio measured using the Current Ratio has no effect on financial distress; (4) the leverage ratio measured using the Debt Equity Ratio has an effect on financial distress; and (5) the sales growth ratio has no effect on financial distress in trading sector companies listed on the IDX during 2019-2021.
{"title":"THE EFFECT OF PROFITABILITY, LIQUIDITY, LEVERAGE, SALES GROWTH ON FINANCIAL DISTRESS IN CONSUMER AND NON-CONSUMER CYCLICALS COMPANIES LISTED ON THE IDX DURING THE 2019-2021","authors":"Gracelia Friska, Drs. Eko Pudjolaksono","doi":"10.56943/joe.v2i3.355","DOIUrl":"https://doi.org/10.56943/joe.v2i3.355","url":null,"abstract":"The ability of a company to compete is determined by the company’s performance. If there is a lack of effectiveness in the company’s performance, then company leaders can take the right action to ensure that things become more efficient. Moreover, performance measurement is closely related to the company’s financial condition. Every company should create and use financial reports in the process of managing the company’s finances. Therefore, this research is needed to find out the effect of profitability, liquidity, leverage, sales growth on financial distress in consumer and non-consumer cyclicals companies listed on the IDX during the 2019-2021. The sampling method used in this research is nonprobability sampling by applying purposive sampling technique. The sample used in this research consists of trading companies listed on the Indonesia Stock Exchange (IDX) during the 2019-2021 that are engaged in buying and selling activities without production. The results of this research indicate that (1) the profitability ratio measured using Return on Asset has a positive effect on financial distress; (2) the profitability ratio measured using Return on Equity has a negative effect on financial distress; (3) the liquidity ratio measured using the Current Ratio has no effect on financial distress; (4) the leverage ratio measured using the Debt Equity Ratio has an effect on financial distress; and (5) the sales growth ratio has no effect on financial distress in trading sector companies listed on the IDX during 2019-2021.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"14 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135608293","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}
Human resources have a crucial role. The existence of human resources has great potential in conducting company activities and their abilities can be maximised. Human resource management at PT Laut Timur Utama, Aru Islands always strives to improve employee performance in order to create efficient company productivity in the production process so as to reduce production costs and produce products at a low cost and affordable in the market. Many factors can affect the employee performance in the company, such as compensation, job satisfaction and motivation factors. Therefore, this research is conducted to determine the effect of compensation, job satisfaction and motivation on the employee performance at PT Laut Timur Utama, Aru Islands whether partial or simultaneous. The approach used in this research is quantitative with 40 respondents. In addition, the analysis model used is Multiple Linear Regression to determine the effect of independent variable on the dependent variable. Based on the results of the research, it indicates that compensation, job satisfaction and motivation have a significant effect both partially and simultaneously on employee performance of PT Laut Timur Utama, Aru Islands.
人力资源具有至关重要的作用。人力资源的存在在进行公司活动中具有巨大的潜力，可以最大限度地发挥其能力。PT Laut Timur Utama, Aru Islands的人力资源管理一直致力于提高员工的绩效，以便在生产过程中创造高效的公司生产力，从而降低生产成本，生产出低成本和市场负担得起的产品。在公司中，影响员工绩效的因素很多，比如薪酬、工作满意度和激励因素。因此，本研究旨在确定薪酬，工作满意度和动机对员工绩效的影响，无论是部分的还是同时的。在这项研究中使用的方法是定量与40名受访者。此外，采用多元线性回归的分析模型来确定自变量对因变量的影响。研究结果表明，薪酬、工作满意度和动机对Aru Islands Laut Timur Utama公司的员工绩效既有部分影响，也有同时影响。
{"title":"THE EFFECT OF COMPENSATION, JOB SATISFACTION AND MOTIVATION ON EMPLOYEE PERFORMANCE AT PT LAUT TIMUR UTAMA, ARU ISLANDS","authors":"Trudy Maryona Nussy","doi":"10.56943/joe.v2i3.351","DOIUrl":"https://doi.org/10.56943/joe.v2i3.351","url":null,"abstract":"Human resources have a crucial role. The existence of human resources has great potential in conducting company activities and their abilities can be maximised. Human resource management at PT Laut Timur Utama, Aru Islands always strives to improve employee performance in order to create efficient company productivity in the production process so as to reduce production costs and produce products at a low cost and affordable in the market. Many factors can affect the employee performance in the company, such as compensation, job satisfaction and motivation factors. Therefore, this research is conducted to determine the effect of compensation, job satisfaction and motivation on the employee performance at PT Laut Timur Utama, Aru Islands whether partial or simultaneous. The approach used in this research is quantitative with 40 respondents. In addition, the analysis model used is Multiple Linear Regression to determine the effect of independent variable on the dependent variable. Based on the results of the research, it indicates that compensation, job satisfaction and motivation have a significant effect both partially and simultaneously on employee performance of PT Laut Timur Utama, Aru Islands.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"234 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135608149","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}
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