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Pengaruh kualitas pelaksanaan Islamic corporate governance dan kompleksitas terhadap frekuensi terjadinya fraud pada perbankan syariah di Indonesia
No full textSharia banking over the last 10 years has shown an increase in the number of
branch office networks, receipts of public funds, distribution of financing and total
assets. This increase is a consequence of the increasing complexity of businesses,
products and operational activities carried out by Sharia banking. The increasing
complexity also increases the risk that must be managed, including the risk of fraud.
Fraud perpetrators can be carried out starting from lower-level guards, managers to
top management or by owners. One of the efforts to prevent fraud is to implement
Good Corporate Governance (GCG) based on sharia principles or Islamic legal
principles, called Islamic Corporate Governance (ICG) with the best quality. The
purpose of this study is to explore the quality of implementation (ICG) in Sharia
commercial banks (BUS) in Indonesia and analyze the effect of the quality of ICG
implementation and bank complexity on the frequency of fraud in BUS in Indonesia.
This study uses a descriptive method with a quantitative approach. The
population in this study were all Indonesian sharia commercial banks based on
banking statistics issued by the Financial Services Authority (OJK) in December
2020, which were 14 BUS, and then selected by the purpose sampling method using
BUS criteria that reported a complete self-assessment report during 2011 – 2020,
which is as many as 10 BUS. The type of data used is secondary data whose data
collection is carried out by online data search methods through website searches.
The data analysis method used panel data regression.
The results of the study showed that the quality of ICG implementation at
BUS during 2011 - 2020 on average had a "good" predicate. The implementation
of ICG in BUS BUKU III is better than BUS BUKU II and BUKU I. The results
also show that the quality of ICG implementation and complexity simultaneously
significantly reduce the frequency of fraud incidents with an explanation rate of
71.04%. While partially, the quality of ICG implementation has a significant effect
on fraud with an estimated coefficient of 1.3251, it means if the composite ICG
value increases (the quality of ICG implementation decreases) by 1 unit, then fraud
will increase by 1.3251 unit. Then, the complexity of the BUS has no effect on the
frequency of fraud with a probability value of 0.1651 > 0.05 (α), it means the
complexity of banks reflected in the category of BUKU 1 banks has the same level
of fraud as BUKU II and III banks
Analisis formulasi strategi pengembangan bisnis virtual gas Pipeline (CNG LNG)
Full text linkThis research has been motivated by the development of a virtual gas pipeline (CNG and LNG) business related to gas demand for the industrial and commercial sectors. It is necessary to further formulate the right strategy so that business development can grow into a business that the corporation can rely on. This happens because until now the company's revenue and profit have not been optimal considering the large business potential of CNG and LNG.
The research objectives to be achieved from this research include: 1) Analyze internal and external factors that affect the performance of the virtual gas pipeline (CNG and LNG) business; 2) Formulating an alternative strategy for the development of virtual gas pipelines (CNG and LNG) and their priority order; and 3) Formulating a virtual gas pipeline (CNG and LNG) business development work program as an elaboration of tactical and operational strategies. This research was conducted at PT Pertagas Niaga which is located at the Head Office on Jalan Jendral Gatot Subroto, South Jakarta. The research time was carried out in August 2019 to September 2020.
The research was conducted through a descriptive method approach with a case study approach. The data used in this study are primary data and secondary data. Structured interviews using a questionnaire to experts as respondents are primary data. Meanwhile, various sources obtained from literature studies, agencies, and other institutions, as well as internet literature, are secondary data. The data and information collection techniques in this study were conducted by means of interviews and questionnaires. Data processing and analysis techniques use descriptive, qualitative, and quantitative with External Factor Evaluation (EFE) Matrix, Internal Factor Evaluation (IFE) Matrix, IE Matrix (Internal-External), SWOT Matrix (Strengths-Weaknesses-Threats-Opportunities), and QSPM (Quantitative Strategic Planning Matrix).
The identification results obtained from the biggest internal strength factor possessed by PT Pertagas Niaga are the good quality of CNG and LNG products. Meanwhile, the weakness factor that needs to be resolved immediately in PT Pertagas Niaga is the internal system in the billing process to consumers. Meanwhile, the results of identification on external factors obtained the greatest opportunity that PT Pertagas Niaga needed to respond to, namely CNG and LNG products that were competitive compared to LPG and BBM (fuel and LPG prices fluctuated and were expensive). Meanwhile, the biggest threat that PT Pertagas Niaga needs to deal with is the low collectability level in consumer billing.
Based on the results of the IE Matrix analysis and the results of the SWOT analysis, it recommends alternative strategies, namely Market Penetration Strategy, Market Development Strategy, and Product Development Strategy. The recommendation for priority business strategies for PT Pertagas Niaga is based on the QSPM (Quantitave Strategy Planning Matrix) approach, namely Market Penetration Strategy as the top priority, Market Development Strategy as the second priority, and Product Development Strategy as the third priority.
The researcher suggests that Pertagas Niaga can provide good service and is different from its competitors, so that PT Pertagas Niaga products, especially gas pipelines, can be of interest to consumers. PT Pertagas Niaga can look for new (upstream) gas producers because PP number 79 of 2014 targets to increase the use of gas energy, which was originally around 20% in 2014 to be increased to 25% -30% in 2025-2050. This is an opportunity for PT. Pertagas Niaga increased sales due to government support
Faktor-faktor yang mempengaruhi minat Institusi Pendidikan dalam menerapkan sistem pembayaran online (studi kasus: PT Infradigital Nusantara)
Full text linkThe growth of financial technology is increasing very rapidly, followed by
the number of players in this industry. However, society’s digital literacy still needs
to be developed. PT Infra Digital Nusantara is one of financial technology start-up
that focuses on online payment transactions in the education sector. Offering the
financial system, especially online payment to an education institution, yet PT IDN
is still struggling to gain new customers.
This study aims to determine the factors that affect the level of technology
acceptance by educational institutions for the services offered by PT IDN. The
questionnaire was distributed to 82 respondents using purposive sampling
technique. The method of analysis in this study uses the Structural Equation Model
(SEM) with the Partial Least Square (PLS) approach to analyze factors that
affecting the level of technology acceptance.
The results of this study showed that the latent variable perceived ease of use
of technology had a significant effect on the perceived usefulness of the technology.
The perceived usefulness variable of technology also has a significant effect on the
attitude toward technology acceptance, while the perceived ease of use of
technology had no significant effect on the attitude toward technology acceptance.
The variable perceived usefulness of technology also has a significant effect on the
intention to use technology, as well as the variable of attitude towards technology
acceptance also has a significant effect on the intention to use technology.
Furthermore, the intention to use technology has a significant effect on the actual
system use. Therefore, the perception of the usefulness of technology, perception
of the ease of use of technology, and the attitude toward technology acceptance, as
the main factors in the acceptance of technology, need to be maintained and to be
constantly improved
Strategi pengelolaan barang milik negara untuk peningkatan PNBP universitas Andalas
No full textAndalas University (UNAND) is designated as a PK-BLU institution to
have flexibility in managing finances sourced from PNBP. However, what
happened at UNAND, BMN management that has been running so far is still not
done properly. The contribution of income resulting from cooperation between
institutions and business entities is still very low, and the discovery of several
assets or state-owned goods that were damaged, lost or moved around. The
objectives of this study were (1) assessing the process of managing state property
at Andalas University, (2) analyzing internal and external factors in the
management of BMN at UNAND to increase PNBP and (3) analyzing strategies
in the management of BMN at UNAND to increase PNBP .
The data used are primary data from questionnaires and interviews and
secondary data from literature studies and literature reviews. The sampling
technique used purposive sampling. The sample used was 44 state property
managers at Andalas University. The data analysis used in this research is
descriptive analysis, SWOT and QSPM.
The results showed that the processes of planning and budgeting, utilization,
security and maintenance, destruction, removal and development, supervision and
control of state property were not good. The right strategy to be implemented is a
development and development strategy. The main strategy for managing state
property in order to increase non-tax owned state revenue at Andalas University is
to improve the quality of BMN management human resources and compensation /
rewards for BMN managers by providing training / training for BMN
management, providing BMN management workshops, educational scholarships,
awarding / compensation to employees and increase the potential of BMN, both
unused and excessive (idle)
Strategi pengembangan model bisnis UMK Frozen food di era New Normal (studi kasus: CV XYZ)
No full textMicro, Small, and Medium Enterprises (MSMEs) are business units with an important role in the national economy. The advantage ofMSMEs as a business unit is that they produce consumer goods and services that are close to the community's needs. In early 2020, Indonesians received news about the coronavirus. The Covid-19 pandemic has impacted the Indonesian economy, includingMicro, Small, andMedium Enterprises (MSMEs). The objectives of this study are (1) to identify potential and relevant problems, (2) to design a business model for the development of CV XYZ (3) to identify internal and external factors that influence the company's business model,
(4) to create a CV XYZ business innovation model with 360° Business Model Innovation.
The type of data used in this study consisted of primary data and secondary data. Primary data were obtained through observation, interviews with experts such as the Office of Cooperatives and SMEs in the City of Bogor, the Office of Agriculture in the City of Bogor. Secondary data is obtained by accessing information/data from relevant agencies such as BPS, Ministry of Cooperatives, Ministry of Small and Medium Enterprises, and other data sources relevant to research topics such as scientific journals, books, government publications, etc. The data collection method begins with observation through direct observation and systematic recording. Then, interviews were conducted by immediate question and answer between the researcher and the resource person. The resource persons in this study were selected considering that they are competent stakeholders in their fields. Finally, FGD through group discussions to obtain interaction of the resulting data and depth of information regarding various aspects of a phenomenon.
Research shows that there are improvements to some elements of the business model canvas that need to be re-engineered to optimize complex resources for business sustainability. The business model serves as a tool that can describe the condition of a business. The SWOT analysis results to map the company in quadrant 1, namely its high market growth and a strong competitive position, so the company needs to improve its business model through 360° business innovation model analysis. The model is used to help see the process of business activities starting from value creation upstream to becoming core competencies downstream of a business process
Analisis Risiko dan evaluasi strategi retakaful treaty asuransi properi pada perusahaan asuransi umum syariah di Indonesia
No full textReinsurance sharia or known as the Retakaful is "The risk management
business based on sharia principles for the risks faced by the sharia general
insurance companies". Sharia general insurance companies need to reinsure the risk
accumulation for the risk sharing services they receive from the insurance
participants, especially for catastrophic risks. For this reason, a Retakaful treaty
program is needed. So that if there is a claim that exceeds the the sharia general
insurance company’s retention, they can obtain the claim recovery from the
reinsurers.
Based on the description of the Retakaful business process scheme there is a
slight difference between conventional reinsurance practice with Retakaful namely:
that in the Retakaful, the reinsurance mechanism is called as a risk sharing so in the
risk management, the sharia insurance company as the ceding company must share
the wakalah fee to the sharia reinsurance company. Whereas in the conventional
reinsurance, the mechanism is called as a risk transfer. The conventional
reinsurance company will instead give a reinsurance commission to the insurance
company that has given its business. In determining the Retakaful treaty program
such as: Quota share, Surplus or Excess of Loss, the reinsured must consider its
retention capacity and calculate the capital to bear the risk. Sharia general insurance
companies must also pay attention to the level of liability aggregation of the amount
of risk received that is exposed to the same potential loss. From the results of the
implementation of the Property Insurance Retakaful treaty program, there are
problems, solutions and actions in view of both underwriting and claim handling
aspects.
The risks covered in the retakaful treaty namely FLEXAS are analyzed using
the Risk Management standard ISO 31000 – 2009 framework. The result are: the
Fire risk (F) due to the short circuit having a risk score of 4 or Low, while other
risks (LEXAS) such as: Lightning, Explosions, Aircraft Fall and Smoke score 1 or
Acceptable. The risk treatment for FLEXAS low and acceptable risk assessment
criteria can be mitigated in the form of adequate control.
This research also evaluate the existing strategy of the company in respect of
optimizing the Retakaful treaty of Property Insurance. The results of the alternative
strategy is Progressive (in quadrant I SWOT analysis) where as it is possible to
continue to expand, increase growth and achieve maximum progress. The strategy
in accordance with the results of the analysis of the company's position is Growth
and Build (in quadrant II IE Matrix). The suitable strategies are: intensive, forward,
backward and horizontal integration. The company's priority strategy namely:
Product Development, Market Development and Market Penetration (using QSPM
Matrix)
Strategi penyediaan energi listrik untuk ekspansi operasi PT Freeport Indonesia
No full textEfforts to optimize and develop production to pursue PTFI's production
deficit due to the end of the Grasberg open pit mine operation in 2019, are now
being carried out more intensively. PTFI is now focusing on plans to develop
underground mines and optimize processing plants. In the plan, it is projected that
there will be an increase in the need for electrical power from year to year, until the
peak load reaches 374.8 MW in 2033. To anticipate the increasing demand for
electricity, PTFI is preparing to build a new power generation facility in the
lowlands that will be managed independently. The selection of the right type of new
power plant is a very critical stage in this plan, because it will greatly determine the
sustainability of electricity supply operations in the future. The uniqueness,
characteristics, and many other things that must be considered by PTFI, become a
salient issue in determining the type of new power plant.
The purpose of this research are; (1) determine the most important factors that
need to be considered by PTFI in the construction of new power generation unit,
(2) provide recommendations for the best type of power plant that Management can
choose to build, in order to meet PTFI's increasing operational power requirements.
This research was conducted from December 2020 to April 2021, by
collecting all the most important factors for consideration in the construction of a
new power plant unit obtained from seven experts. From the results of the expert
interview, 28 factors that were most important to consider in the construction of a
new power plant at PTFI were identified. These factors are then ranked through a
questionnaire to 16 respondents, and the top four factors are obtained with each of
the three sub-factors, which are then processed using the Analytical Hierarchy
Process method based on the opinion of the experts.
The results of the study obtained four important considerations for the
construction of PTFI's new power plant are; (1) suitability with existing power
generation facilities, (2) sustainable availability of fuel / energy sources, (3)
environmental risk (waste management), and (3) conformity with the company's
strategic direction. The four most important sub factors are; (1) support from
government policies, (2) availability of facilities & human resources (HR) for
processing / disposal of internal waste (3) suitability of operational characteristics,
and (4) conformity with PTFI's load demand forecast. The alternative type of power
plant that is most suitable to be built based on these factors and sub-factors is Gas
Engine Power Plant (dual fuel)
Intensi Melakukan E-WOM Pengunjung Wisata Alam Kalibiru Kulon Progo
Full text linkAt this time the role of electronic word of mouth (e-WOM) is very important for all companies to offer their products or services. Tourist destination is one of that often utilizes the existence of e-WOM. One tool that is often used by visitors in doing e-WOM is social media. Social media has several features such as uploading photos, videos, or statuses to inform others of their experiences after visiting a destination. From the data of the DIY Tourism, shows that every year the number of visitors who come to destination in DIY always increases every year. But, that does not happen in Kalibiru Nature Tourism today and that is a problem that needs to be investigated to find a solution. The intention to do e-WOM is a variable that will be examined in this study. Variables that are thought to influence the desire to do e-WOM are destination images where destination image is influenced by the quality of services provided by the employes to the visitors and electronic word of mouth. The service quality variable consists of 5 dimensions (tangible, reliability, responsiveness, assurance, and empathy). In addition there is encouragement in visitors who also affect visitors to do an e-WOM called motivation. Motivation has 7 dimensions (negative venting feeling, concern for others, extravertion, helping the company, collective power over companies, influence of others, and asking to get information). The objectives of this study were (1) to analyze the influence of e-WOM on the destination image, (2) to analyze the effect of service quality on the destination image, (3) to analyze the effect of destination image on the desire to do e-WOM, (4) to analyze the influence of motivation on the desire to do e-WOM, and (5) formulating managerial implications that can be applied by the Kalibiru Nature Tourism manager.
The type of this research is descriptive using a survey method with a questionnaire. This study used 350 respondents using accidental sampling technique. Respondents in this study were visitors of Kalibiru Nature Tourism. Furthermore, the data analyzed by Structural Equation Model (SEM) with SPSS and LISREL software.
Based on the results of data analysis, it can be concluded that the electronic word of mouth variable has a positive effect on destination image with path coefficient value = 0.02 and t-count = 0.29, service quality has a positive effect on destination image with path coefficient value = 0.79 and t-count 7.23 , destination image has a positive effect on the desire to do e-WOM with a path coefficient = 0.64 and t arithmetic = 6.79, motivation has a positive effect on the desire to do an e-WOM with a path coefficient = 0.28 and t-count = 3.56. Referring to these conclusions, it can be implied that the manager needs to maintain the quality of the services provided so that visitors assess the Kalibiru Nature Tourism has a good image that raises the desire of visitors to recommend Kalibiru Nature Tourism through social media
Pengaruh Faktor Kepuasan Kerja terhadap Employee Engagement di Perwiratama Group
Full text linkGlobalization increases competition between companies in the business industry. Every company must have optimal human resources (HR) to be able to compete in the business world. Optimal HR can be seen from various factors such as employee job satisfaction and employee engagement. Perwiratama Group is one of the companies in the business industry that must be able to compete, especially with companies in the same segmentation. One way to compete is to know the factors of job satisfaction and employee engagement in Perwiratama Group itself.
The variables in this study are job satisfaction and employee engagement factors. The research respondents were 84 Perwiratama Group employees in four business businesses. The analysis used is multiple linear regression.
The results of this study indicate that the variables of job satisfaction on work, job satisfaction on salary, and job satisfaction on colleagues affect the employee engagement variable. While job satisfaction variables on promotion and job satisfaction on supervision of employee engagement variables had no effect. The result of Adjusted R Square is 0.431 or 43.1%. This value shows that the variables of job satisfaction (job satisfaction at work, job satisfaction on salary, job satisfaction on promotion, job satisfaction supervision, and job satisfaction on colleagues) affect the employee engagement variable at Perwiratama Group by 43.1%, while the rest is influenced by other factors not examined in this study. The scores obtained in the employee engagement assessment in this study fall into the category of not engaged, that employees do not have an engagement with the company and will not make much contribution to the company and work by always thinking about the end of working hours
Analisa Struktur Modal dan Profitabilitas Perbankan pada Sektor Jasa Keuangan di Indonesia
Full text linkCapital structure is the value of the composition between internal capital owned by the company and external capital obtained by the company from other parties. Financing through third parties (debt) has the advantage of tax savings (tax shield), to increase profitability and company value (Tanimura 2001; Brealey et al 2014). The greater the debt used as corporate financing will further increase the profitability and value of the company (Hull 2007).
Profitability is the level of corporate profits. Profitability can describe the ability of management to manage assets owned by the company to generate operational profits so that the overall level of operational efficiency of the company is seen. Gurcharan (2010) states that profitability and opportunity to grow statistically show a significant relationship to the level of debt.
Commercial Banks are banks that carry out conventional business activities which in their activities provide services in payment traffic (Law No. 10 of 1998 concerning banking article 1 paragraph 3). Commercial banks can be classified based on business activities according to Bank Indonesia Regulation No. 14/26 / PBI / 2012 of 2012 (article 1 paragraph 4) Commercial Banks based on Business Activities, hereinafter referred to as BUKU, are groupings of Banks based on Business Activities that are adjusted to their Core Capital.
From the results of the study, it can be seen that the capital structure of BUKU 1 and BUKU 2 can affect profitability, so management must determine the optimal capital structure by considering the level of profit targeted by the company. On the other hand, in BUKU 4 profitability can influence the determination of capital structure. In large banks, the capacity of sales and the possibility to get profits are also getting bigger, so that as a source of financing, these large banks will prefer to use internal funds from company profits rather than debt