Analysis Of Factors Non Performing Loan And Restructuring Credit For Commercial Segment (Case Study: Bank XYZ)

Credit distribution is the main activity of banks, therefore the main source of income for banks comes from this activity which provides output in the form of loan interest income. Banking plays an important role in national economic growth to increase people's productivity by circulating money for consumption, working capital and investment. Issuance of OJK Regulation Number 11/PJOK.03/2020 concerning National Economic Stimulus as a Countercyclical Policy for the Impact of the Spread of COVID-19. The regulation states that debtors whose businesses are affected by the pandemic can apply for restructuring to related finance companies, such as banks. There are two research models, namely to find out what factors affect NPL and the success of restructuring by knowing the most effective method from several alternatives, where one alternative is taken from the previous model. This research step begins by processing data on the financial statements of four state-owned banks from 2011-2020 using panel data regression with independent variables, namely CAR, LDR, NIM, BOPO, inflation rate and BI rate with the dependent variable being NPL. The second research is to take one sample, namely Bank XYZ, with qualitative methods through direct interviews with experienced employees at the management level. To get a more objective decision, the author uses a decision making tool using the Analytical Hierarchy Process (AHP) Expert Choices methodology. The results of this study indicate that the factors that affect the NPL are BOPO, NIM and CAR. The most effective restructuring method is the rescheduling method. Based on these facts, it is necessary to implement and develop strategies that support the success of restructuring and provide clear boundaries regarding debtor criteria in each method of credit restructuring and effective risk management to avoid the risk of bad loans.Keywords: Restructuring, Non-Performing Loan, Panel data regression, AHP

Integrated Marketing Communication To Develop Brand Identity In Fashion Business Case Study: Animal Days

The online fashion industry in Indonesia growing rapidly, especially for clothing brand. Especially in the digital era like now that can facilitate people to make buying and selling via online. So, many MSME are making use of this by selling fashion products online. Based on this, a new clothing brand like Animal Days must have the right strategy in order to compete with its competitors. In this research, Animal Days as a new brand wants to develop the brand identity by using kapferer brand identity prism analysis through Integrated Marketing Communication. This research uses quantitative method to analyze whether the brand identity of Animal Days is in accordance with the market or not by using questionnaire. From the result, Animal Days has to evaluate the brand identity on several factors. This research uses Integrated Marketing Communication (advertising, sales promotion, event & experience, public relations, direct marketing, word of mouth) to develop brand identity of Animal Days. In order for this strategy can be realized, this research also creates an implementation plan in the form of a time line so that the plans that have been made can be more focused.Keywords: brand, brand identity, integrated marketing communication, fashion, clothing bran

Analyzing Factors Influencing Consumer Purchase Behavior of Generation Z toward Second-Hand Apparel in Indonesia

Second hand apparel has become a trend that gradually increases in the development of the fashion industry. Generation Z as target customers have intrinsic and extrinsic motivation that drive their purchase behavior for a product. Understanding the motivations behind second-hand clothing consumption can assist in building marketing expertise in the fashion business, since generation Z will have tremendous buying power in the next few years. This study was conducted to achieve competitiveness from this big opportunity and comprehend the most influential factors (attitudes, subjective norms, perceived behavioral control, and physical vanity aspect) that shape and encourage purchase behavior, by combining the theory of planned behavior and physical of vanity. The author employs Partial Least Square Structural Equation Modeling (PLS-SEM) using Smart-PLS to evaluate data from 327 online survey respondents. The subjective norm found as the most significant factor of purchase intention, followed by attitude and perceived behavioral control. Moreover, perceived physical vanity influences purchase behavior. Younger consumers are more influenced by their external motive to buy secondhand clothing. This data may help marketers enhance their marketing strategies by highlighting social values, such as social acceptability, which influences generation Z's purchase behavior for second hand clothing

Analyzing The Effectiveness of Social Media Marketing in PT Primajasa

Nowadays, social media is the future of branding in marketing. Social media is used as the main tool in marketing to tell the product review to convey customer engagement. Social media in the digital area is a platform to conduct interaction and information together to accomplish business goals. The social media platform is an intermediary between brands and audiences and utilizes customer engagement to engage the product review. Mostly, the social media platform uses Instagram as their social media since it can easily go viral. PT Primajasa, the leading transportation sector in Indonesia, uses the Instagram page to integrate the companies and audiences and helps companies to see the story behind the campaign. Before customers take additional action to make a purchase, their Instagram pages show a lot of likes, comments, and shares from other users. Customers frequently make purchases on social media by highlighting the success of the business's social media performance. To get attention from people, Social Media content has to be creative and innovative in increasing customer engagement and product reviews of users. Content that consists of storytelling makes people more engaged and increases the achievement of purchase intention. Furthermore, this study aims to determine the effect of Social media Marketing, Product Review, and Customer Engagement on Purchase Interest in PT Primajasa's transportation services. This research is associative research and the type of data used is quantitative data. The sampling technique used was purposive sampling. The number of samples is 354 consisting of current passengers of PT Primajasa, students of the Management Study Program, Faculty of Economics and Business, Bandung Institute of Technology in 2022-2024 and employees of PT Primajasa in the field of Marketing. Data analysis used Multiple Linear Analysis. The results of this study answered the direct effect of Social Media Marketing on Customer Engagement and Purchase Intention. Indirect Social Media Marketing has more positive influences through Customer Engagement as a mediator than direct Social Media Marketing on Purchase Intention.

Financial Retirement Plan Based on Knowledge-Based View Theory Perspective

Abstract. Retirement usually occurs in the age range of 55–65, depending on the type of job. However, during the COVID-19 pandemic, it may not be adequate to measure retirement only by age because many employees were forced to retire early. Thus, the issue of retirement planning has once again become a relevant issue to discuss. Most previous studies explain that retirement planning uses the theory of planned behavior, but unlike these, this study approaches retirement planning with the knowledge-based view theory. The theory of knowledge-based view can explain knowledge as a fundamental resource for an individual’s ability to plan retirement. Data was collected for this study from a survey for employees and professionals in Indonesia and was analyzed with PLS-SEM. Empirical evidence showed that knowledge sharing actually weakens the influence of family financial education on retirement planning. Therefore, it can be concluded that knowledge sharing cannot strengthen family education to make better retirement planning. This study also revealed the possibility that knowledge sharing could change employee retirement planning into other financial plans that are also beneficial for retirement.Keywords: Retirement planning; theory planned behavior; knowledge-based view; knowledge sharing; financial planning Abstrak. Pensiun biasanya diukur berdasarkan usia, dalam rentang usia 55-65 tahun, tergantung pada jenis pekerjaannya. Namun, di masa pandemi Covid-19, masa pensiun mungkin tidak lagi cukup diukur dengan hanya berdasarkan usia. Hal itu dikarenakan banyak karyawan yang terpaksa pensiun dini selama pandemi.  Dengan demikian pada masa pandemi isu perencanaan pensiun sekali lagi menjadi masalah yang menarik untuk didiskusikan. Sebagian besar penelitian sebelumnya menjelaskan perencanaan pensiun menggunakan dasar theory planned behavior (TPB), namun berbeda dengan banyak penelitian sebelumnya, dalam penelitian ini perencanaan pensiun didekati dengan teori knowledge-based view theory (KBV). Teori KBV diasumsikan bisa menjelaskan pengetahuan sebagai sumber daya mendasar bagi kemampuan individu untuk membuat perencanaan pensiun. Dalam survei yang dilakukan terhadap karyawan dan profesional di Indonesia. Data yang terkumpul kemudian dianalisis dengan PLS-SEM. Bukti empiris menunjukkan bahwa berbagi pengetahuan justru melemahkan pengaruh antara pendidikan keuangan keluarga terhadap perencanaan pensiun. Oleh karena itu, dapat disimpulkan bahwa berbagi pengetahuan tidak bisa menguatkan pendidikan keluarga untuk membuat perencanaan pensiun yang lebih baik. Dalam penelitian ini juga diungkapkan adanya kemungkinan bahwa berbagi pengetahuan dapat membuat perubahan pada perencanaan pensiun karyawan menjadi rencana keuangan lainnya yang bermanfaat juga bagi masa pensiun, dimungkinkan untuk membuat perubahan dalam perencanaan pensiun menjadi bentuk lain dari perencanaan keuangan.Kata kunci: Perencanaan pensiun; theory planned behavior; knowledge-based view; berbagi pengetahuan; perencanaan keuanga

Performance Evaluation on Project Management Implementation at PT. Indojaya Lima Abadi (Case Study: Home Office Renovation and Site Development of PT. Global Creative Farmer)

PT. Indojaya Lima Abadi Merupakan salah satu pelaku industry kecil di bidang konstruksi. Seiring dengan pergantian generasi penerus, perusahaan tersebutpun mulai melakukan perubahan dengan menambahkan sub-divisi perencanaan dan perancangan arsitektur. Dalam pembentukan divisi perencanaan, PT. Indojaya Lima Abadi masih banyak belajar dalam hal manajerial proyek yang dikerjakan. Terlihat pada kasus proyek renovasi dan pengenmbangan lahan milik PT. Global Creative Farmer. Proyek tersebut mengalami keterlambatan. Hal tersebut dapat menjadi citra yang buruk bagi perusahaan dan bisa merugikan kedua pihak. Perencanaan proyek perlu diperbaiki dan perencanaan penjadwalan perlu dilakukan. Salah satu metode yang digunakan untuk penjadwalan adalah metode network planning. Dengan metode tersebut dapat memperlihatkan hubungan antar pekerjaan sehingga dapat ditemukan penyebab dari keterlambatan. Setelah itu, perhitungan network planning tersebut diterapkan pada barchart yang bergunan sebagai alat komunikasi untuk tim konstruksi sebagai acuan pengerjaan. Analisis faktor lain pun ikut dilakukan dan mengkaji dengan teori manajemen proyek guna menemukan akar dari permasalahan. Dari seluruh analisis tersebut maka didapatkan rumusan mengenai tahapan manajemen proyek. Rususan tersebut diajukan kepada perusahaan dan diharapkan dapat diterapkan pada perusahaan dalam merencanakan dan mengerjakan proyek-proyek yang akan datang. Kata kunci: Arsitektur, Keterlambatan, Network Planning, Manajemen Proyek, Pembangunan dan Perencanaa

Impact of Digital Supply Chain – Increasing Competitive Advantage and Sustainability of Starbucks

The paper focuses on the goal of identifying a correlation between the implementation of digital supply chain of a specific multinational chain of coffeehouses and roasteries and its increase of sustainability and competitive advantage. Hence, the paper could offer a deeper understanding on the importance of digital supply chain and its direct and indirect affects towards a company’s sustainability and competitive advantages. The correlation is identified using a desk research study where secondary data would be collected. This would minimize biasness within the research and produce highly descriptive quantitative data. The correlation is made from a correlation analysis of the company’s information regarding its before and after year of implementing digital supply chain and the number of competitive advantages that they have gained. Through implementing the correlation analysis, the results show that there is a positive correlation between the relationship of implementing digital supply chain and the increase of sustainability and competitive advantages. Keywords: Digital Supply Chain; Sustainability; Competitive Advantag

Evaluation of Alternative Solutions to Recover Deferred Oil Production Due to Facility Constraint: Case Study of Bravo Gathering Station in an Oil Company, PT XYZ

Bravo is one of PT. XYZ's biggest oil fields and its fluid production is treated at Bravo Gathering Station. Lately, Bravo GS has been facing a serious production problem. Several oil producers are shut-in as the field production exceeds the processing capacity. This has resulted a significant amount of deferred-oil-production (DOP) and revenue loss. This research aims to identify the root cause and figure out the solution to eliminate constraints. Brainstorming and Focus Group Discussions with experts is extensively used in this research during problem analysis and alternative creation using Value Focused Thinking (VFT) approach. Multiple alternative solutions are developed, using safety, economic performance, cost efficiency, and execution cycle time as the decision criteria. Analytical Hierarchy Process is used in this research for decision making process, and Experts are requested to provide rating on pairwise comparisons of each criterion and alternative based on their technical knowledge and experience. The 3rd alternative solution which reduce the incoming water production through the water shut-off (WSO) job appears to be the best alternative solution according to the consolidated AHP result. The result indicates that this alternative has a very strong upside on safety, cost efficiency, and execution cycle-time criteria among other alternatives. Keywords: Deferred Oil Production (DOP), Constrained Production, Value-Focused Thinking (VFT), Analytical Hierarchy Process (AHP

The Attitude of Consumers Towards Fashion Online Shop (Case Study in Bandung)

In this modern age, the internet has become a means of exchanging information for humans. Anyone can access the internet for different interests and purposes. The ease got from the use of the internet makes the number of internet users keep increasing. Changes in how to communicate bring lifestyle changes in Indonesia, one of which is consumer behavior in shopping. Consumers no longer need to go to the store and interact directly with the seller and no longer need to make direct payments in the sale and purchase transactions. Online shop is one of the options for the public to make buying and selling transactions. The increasing number of online shop businesses makes online shop competition increasingly tight. Therefore, an online marketer must know how the attitude of consumers towards the online shop business is. By understanding consumers' perspective to online business, a marketer can find out what the consumer needs, how the consumer interest in the product offered, so they can make good planning and strategy in marketing. Keywords: affective, attitude, Bandung, cognitive, conative, fashion, online sho

Appendix JMT Vol 20 Tahun 2021

Appendix JMT Vol 20 Tahun 202