STIE Widya Gama Lumajang
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ANALISIS RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK MENILAI KECUKUPAN MODAL BANK DALAM MENDUKUNG KEGIATANNYA SECARA EFISIEN (Studi Kasus Pada Bank Perkreditan Rakyat yang Berkantor Pusat di Kabupaten Lumajang Periode 2007 – 2009)
Full text linkPENGARUH DANA EKONOMI BERGULIR PROYEK PENANGGULANGAN KEMISKINAN DI PERKOTAAN (P2KP) TERHADAP PENINGKATAN PEMBERDAYAAN MASYARAKAT DI KABUPATEN LUMAJANG
Full text linkUrban Poverty Project (P2KP) one answer to the problems of poverty in urban areas,
through P2KP government provides financial assistance to implement the process of
community empowerment and continuous learning. One type of economic activity from
P2KP is rolling, that is allocated funds for lending activities to the poor in order to form a
new business or expand an existing business, with its implementation involving the relevant
communities. The purpose of this study is, to determine the influence of economic funds
rolling P2KP to increased community empowerment Lumajang, to find strengths and
weaknesses of the implementation of economic revolving fund in Lumajang P2KP.
To answer this research purpose, then there are some indicators that the number of
SHGs and SHG members, the value of revolving loans disbursed, the health management of
revolving loans, development revolving loan coverage to low-income communities, the
status of the audit by an independent auditing agency. The result is 4 (four) indicator shows
the success and significant impact on increasing community empowerment, while indicators
of health levels are still less than satisfactory. But overall economy revolving fund in
Lumajang P2KP show success in increasing community empowerment. In addition to these
successes there are some weaknesses, especially regarding the ability of human resources
ANALISIS RASIO KEUANGAN CAMEL TERHADAP PREDIKSI KEPAILITAN PADA BANK UMUM SWASTA NASIONAL DI INDONESIA PERIODE 2004 – 2007
Full text linkHesti Budiwati, Widyagama University Graduate Program in Malang, May 2009, the title of research: Financial Ratio Analysis Prediction CAMEL Against Bankruptcy On Private National Commercial Bank in Indonesia Period 2004-2007. Mentors I: Dr. H.M. Sodik, SE, MSi. Supervising II: Noviansyah Rizal, SE, MM. The challenge of the banking sector in the future will be more severe, most of which are perceived as a failure of risk management in managing risk can lead to bankruptcy. CAMEL financial ratio analysis can be used as an early warning system of bankruptcy. The purpose of this study are: 1) to obtain empirical evidence regarding differences in financial ratios simultaneously CAMEL significant between bankrupt and insolvent banks, 2) to obtain empirical evidence regarding differences in financial ratios partially CAMEL significant between bankrupt and insolvent banks, 3 ) to obtain empirical evidence regarding the dominant CAMEL financial ratio in differentiating the bank bankrupt and not bankrupt and 4) to determine the ability of the prediction of several variables distinguishing the CAMEL financial ratios in predicting bankruptcy. Based on the purpose of this study include explanatory research to test the ability of CAMEL financial ratio of CAR, KP, APYD, APYDAP, NPA, PPAP, ROA, ROE, NIM, BOPO, the FBI and the LDR, in predicting bankruptcy in the National Private Banks in Indonesia period 2004 to 2007. The financial statements are used for bank bankruptcy is a two-year financial statements before the bankruptcy, while for banks that do not fit with the bankrupt bank's financial reporting period of bankruptcy. Analysis tools used to test the hypothesis is discriminant analysis using the direct method. The results showed: 1) CAMEL financial ratio to simultaneously have a significant difference between bankrupt and insolvent banks, 2) CAMEL financial ratio that have significant differences between the bank's partial bankruptcy and no bankruptcy is PPAP, ROE, NIM, BOPO and LD, 3 ) CAMEL financial ratio in the aspect of profitability (earnings) ratio of the NIM is the dominant bank in distinguishing bankrupt and not bankrupt, 4) The prediction of several variables distinguishing the CAMEL financial ratio can be used to accurately predict bankruptcy and stable. Other results obtained from this research is by using a model of the cut-off point, the discriminant function generated by CAMEL financial ratio to predict bank is able to distinguish who is in financial trouble.
Keywords: CAMEL financial ratio, prediction, bankruptcy, CAR, KP, APYD, APYDAP, NPA, PPAP, ROA, ROE, NIM, BOPO, the FBI, the LDR
DIMENSI KEPEMIMPINAN DAN MOTIVASI TERHADAP KINERJA PEGAWAI KOPERASI KARYAWAN PT. PINDAD PERSERO
Full text linkLeadership plays an important role in an organization in an effort to improve achievement and employee performance and employee at the group level or at the organizational level, because performance is not only highlights the technical side but also highlights the work group and managerial as well as the motivation is the driving force that created the excitement of a person so that they would cooperate, to work effectively and integrated with all its efforts to achieve satisfaction. The results show the existence of mutual relationships and significant influence among some other variable data data also showed that the variables affecting leadership, and motivation to employee performance that stated at the percentage of 90.0%, while the remaining 10.0% described or influenced by other factors.
Keywords: Dimensions of Leadership, Motivation, Performanc
