73 research outputs found

    Model Prediksi Kegagalan Bank Pasca Merger Berdasarkan Nilai Rasio Keuangan

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    By merging banks with one another, the government hopes to improve the general condition or quality of banks. However, after these mergers there are twenty banks that have been liquidated, and only nineteen remain operation. The aim of this paper is to construct a model in order to predict the failure of merged banks in Indonesia, based on financial ratios. The object of research consists of the financial ratios of either liquidated or successful ones. The data are collected from a published financial reports of those banks which have been audited and processed as financial ratios. These financial ratios are analysed by way of logistic regression. The research hypothesis proposed is that financial ratios can be turned into prediction models to establish the degree to which mergers have failed in Indonesia. The results show that the financial standard of performance of failed banks is indeed inferior to that of successful ones The results from the statistical test also indicate that the combination of RR and ROA financial ratios are the most significant ones to pass the compatibility or ”proper and fitness” test to predict the extent of failure of mergers between banks in Indonesia. The outcome of research may be exploited by society at large, observers of the banking world, and Bank Indonesia by way of an early warning system concerning the failure of mergers between banks in Indonesia. Keywords: Financial ratios, banking performance analysis, merge

    PERANCANGAN PERHIASAN MODERN UNTUK MEMPERKENALKAN TRADISI “TELINGAAN ARUU” KHAS SUKU DAYAK

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    Dayak tribe is one of the tribes contained in Borneo which has a very distinctive "Telingaan Aruu" culture. The tradition is a tradition passed on from generation to generation to Dayak’swomen. However, this tradition has begun to be abandoned because of the assumption that the tradition is outdated. Therefore, there should be an introduction of the culture to the general public, so that the younger generation still know the existence of the tradition in Indonesia. Currently, women often use jewelry every day to complement the appearance and increase confidence. In addition, based on a data found, the export sales of Indonesian jewelry has also increased in the last five years. This is what opens up opportunities for custom made jewelry with today's societythat is modern jewelry with no leaving the elements of Indonesian culture, especially the Dayak tribe. To realize the idea, then conducted interviews, observations, and research for the consideration of making the design until the realization of products and marketing. The products are made from silver and consists of several types of jewelry, that isbracelets, necklaces, brooches, headpiece, and earrings

    PERANCANGAN PERHIASAN MODERN UNTUK MEMPERKENALKAN TRADISI “TELINGAAN ARUU” KHAS SUKU DAYAK

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    Dayak tribe is one of the tribes contained in Borneo which has a very distinctive "Telingaan Aruu" culture. The tradition is a tradition passed on from generation to generation to Dayak’swomen. However, this tradition has begun to be abandoned because of the assumption that the tradition is outdated. Therefore, there should be an introduction of the culture to the general public, so that the younger generation still know the existence of the tradition in Indonesia. Currently, women often use jewelry every day to complement the appearance and increase confidence. In addition, based on a data found, the export sales of Indonesian jewelry has also increased in the last five years. This is what opens up opportunities for custom made jewelry with today's societythat is modern jewelry with no leaving the elements of Indonesian culture, especially the Dayak tribe. To realize the idea, then conducted interviews, observations, and research for the consideration of making the design until the realization of products and marketing. The products are made from silver and consists of several types of jewelry, that isbracelets, necklaces, brooches, headpiece, and earrings

    PERANCANGAN PERHIASAN MODERN UNTUK MEMPERKENALKAN TRADISI “TELINGAAN ARUU” KHAS SUKU DAYAK

    Get PDF
    Dayak tribe is one of the tribes contained in Borneo which has a very distinctive "Telingaan Aruu" culture. The tradition is a tradition passed on from generation to generation to Dayak’swomen. However, this tradition has begun to be abandoned because of the assumption that the tradition is outdated. Therefore, there should be an introduction of the culture to the general public, so that the younger generation still know the existence of the tradition in Indonesia. Currently, women often use jewelry every day to complement the appearance and increase confidence. In addition, based on a data found, the export sales of Indonesian jewelry has also increased in the last five years. This is what opens up opportunities for custom made jewelry with today's societythat is modern jewelry with no leaving the elements of Indonesian culture, especially the Dayak tribe. To realize the idea, then conducted interviews, observations, and research for the consideration of making the design until the realization of products and marketing. The products are made from silver and consists of several types of jewelry, that isbracelets, necklaces, brooches, headpiece, and earrings

    EFFECT INSTAGRAM ON PURCHASE INTENTION BY BRAND AWARENESS DURING PANDEMIC

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    The purpose of this study was to determine the role of brand awareness that mediates the effect of social media Instagram on purchase intention. This research is quantitative in nature using the SEM (Structural Equation Model) method to test the effect of these three variables. The research respondents were 111 people who were followers of the Coffee Toffee Cafe Bandung Instagram account. Data was collected by distributing questionnaires via google form using convenience sampling technique. The results of this study indicate that brand awareness mediates the effect of social media Instagram on purchase intention significantly and positively at Cafe Coffee Toffee Bandung. Based on the results of this study, it is recommended that the Bandung Coffee Toffee Cafe continues to maintain and improve social media Instagram because it can increase brand awareness and purchase intention from its consumers

    Kelayakan Tingkat Suku Bunga Kredit Bagi Para Petani : Studi Kasus Desa Mone, Sulawesi Tenggara

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    Having abundant natural resources is not a guaranty for Desa Mone to live in wealth.Even though Desa Mone as one of the biggest and the best producers of mete nuts inIndonesia, many of farmers still live in poverty. In this research, the author want tohelp them in finding the most feasible interest rate for their business.Keywords: Net present value, time value of money, interest rate of retur

    Model Prediksi Kegagalan Bank Pasca Merger Berdasarkan Nilai Rasio Keuangan

    Get PDF
    By merging banks with one another, the government hopes to improve the general condition or quality of banks. However, after these mergers there are twenty banks that have been liquidated, and only nineteen remain operation. The aim of this paper is to construct a model in order to predict the failure of merged banks in Indonesia, based on financial ratios. The object of research consists of the financial ratios of either liquidated or successful ones. The data are collected from a published financial reports of those banks which have been audited and processed as financial ratios. These financial ratios are analysed by way of logistic regression. The research hypothesis proposed is that financial ratios can be turned into prediction models to establish the degree to which mergers have failed in Indonesia. The results show that the financial standard of performance of failed banks is indeed inferior to that of successful ones The results from the statistical test also indicate that the combination of RR and ROA financial ratios are the most significant ones to pass the compatibility or ”proper and fitness” test to predict the extent of failure of mergers between banks in Indonesia. The outcome of research may be exploited by society at large, observers of the banking world, and Bank Indonesia by way of an early warning system concerning the failure of mergers between banks in Indonesia. Keywords: Financial ratios, banking performance analysis, merge

    Pengaruh Media Sosial Terhadap Citra Merek Dan Niat Beli

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    Currently half of the world's population uses various social media platforms, so social media is a source of commercial activity. This study aims to determine the effect of social media marketing on brand image on purchase intention of generation Z at a university with brand image as a mediation variable. The method used in this research is to use descriptive quantitative analysis, descriptive that is to explain, analyze and find out the value of a variable against other variables. While the quantitative research method is to examine the population or sample where the sample is taken randomly to collect data with research instruments to test a hypothesis. The results of this study are that there is a positive effect of social media marketing on brand image, there is a positive effect of brand image on purchase intention of generation Z, there is a positive effect of social media marketing on purchase intention of Generation Z, and there is also a positive influence of social media on generation Z purchase intentions by mediating brand image Keywords: Social Media Marketing, Brand Image, Purchase Intention, Generation

    RANCANGAN SISTEM INFORMASI BERBASIS HUMAN RESOURCES ANALYTICS PT. BANK X

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    PT. Bank X is a bank that has customers in Indonesia, which makes this bank on a local scale that only has branch offices in Indonesia. Banks with local scale have limited products such as loans and deposits. In the Covid-19 period, most Indonesian citizens preferred to save money and the consumptive rate decreased. This causes customers who want to save money also increase. Bank X requires to improve the performance of marketing staff by providing proper training. The research objective is to design an information system based on human resources analytics that can recommend appropriate training for marketing staff. This study uses descriptive analytical research types and case study research methods. The data collection was obtained through interviews, focus group discussion, and observations on information systems, developments and problems faced by PT. Bank X. Data analysis techniques use BPMN to describe the actual process that already exists and the proposed improvements for PT.Bank X. The results show information systems design based on HRA, which can recommend marketing staff who will be given training with the competencies required by the company. With this information system design, it is expected that companies can provide investment training to the right marketing staff.PT. Bank X adalah bank yang memiliki nasabah di Indonesia dan bergerak skala lokal sehingga hanya memiliki kantor cabang di Indonesia. Bank skala lokal memiliki produk terbatas seperti pinjaman dan simpanan. Dalam masa Covid-19, mayoritas warga negara Indonesia lebih memilih untuk menyimpan uang dan tingkat konsumtif menurun. Hal ini menyebabkan nasabah yang ingin menabung juga meningkat. Bank X hendak meningkatkan performa staf pemasaran dengan memberikan pelatihan yang tepat. Tujuan penelitian adalah merancang sistem informasi berbasis analisis sumber daya manusia yang dapat merekomendasikan pelatihan yang tepat bagi staf pemasaran. Jenis penelitian adalah deskriptif analitis dan metode penelitian studi kasus. Teknik pengumpulan data yang dibutuhkan diperoleh melalui wawancara, diskusi kelompok fokus, dan observasi mengenai sistem informasi, perkembangan dan masalah yang dihadapi oleh PT. Bank X. Teknik analisa data dalam penelitian ini menggunakan BPMN untuk menggambarkan proses aktual yang sudah ada dan usulan-usulan perbaikan bagi PT. Bank X. Hasil penelitian menunjukkan rancangan sistem informasi berbasis analisis sumber daya manusia yang dapat merekomendasikan staf pemasaran yang perlu diberikan pelatihan sesuai dengan kompetensinya. Adanya rancangan sistem informasi ini diharapkan perusahaan dapat memberikan investasi pelatihan kepada staf pemasaran dengan tepat, sesuai dengan kompetensi staf dan kompetensi yang dibutuhkan oleh perusahaan
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