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PROSEDUR PENYELESAIAN KREDIT BERMASALAH PADA PT BANK MANDIRI (PERSERO) Tbk KANTOR CABANG PEMBANTU TIMIKA HASANUDDIN Alberton Tampubolon; Muh. Sabir
JURNAL ULET (Utility, Earning and Tax) Vol 2 No 1 (2018): JURNAL ULET (Utility, Earning and Tax)
Publisher : Unit Pengelola dan Pengembangan Jurnal Ilmiah dan Informasi (UPPJII) STIE Jambatan Bulan

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Abstract

The aim of this research to determine the causes of the occurrence of nonperforming loans and know the troubled credit settlement procedures and what steps or procedures undertaken by PT Bank Mandiri (persero) Tbk HasanuddinTimika auxiliary branch office in completing the non-performing loans. This research is a descriptive research. data were collected through interviews of employee of PT Bank Mandiri sub-branch office of TimikaHasanuddin who has competency in the field of credit. Documentation of various documents related to research and literature collecting data through books to obtain data and theoretical concepts. To find out the troubled loan settlement procedure at PT Bank Mandiri (persero) Tbk, the HasanuddinTimika sub-branch office, the calculation loan collectibility, non performing loan (NPL) is performed (restructuring), sale, collateral auction, and write off. The result of this research showed that settlement procedure at PT Bank Mandiri (persero) Tbk, the HasanuddinTimika sub-branch office with implementation credit restructuring sale/auction collateral and write off,The implementation of restructuring by PT Bank Mandiri (persero) Tbk branch offices of TimikaHasanuddin through stages of credit file research, sending warning letters, restructuring decisions, and monitoring. The pattern or restructuring actions conducted to the debtorinclude the extension of the credit term, the reduction of interest arrears. The implementation of sale of collateral auction shall be done if the costumer’s business has no prospect to be developed while the application of write off is done when the debtor has collectibility 5 stuck and there is no transaction for 210 days at the time of the write off proposal.
ANALISIS KEUANGAN DAN TARIF PAJAK PADA CV HARKAT ABADI TIMIKA Ahmad Riadin; Muhammad Sabir
JURNAL ULET (Utility, Earning and Tax) Vol 2 No 2 (2018): JURNAL ULET (Utility, Earning and Tax)
Publisher : Unit Pengelola dan Pengembangan Jurnal Ilmiah dan Informasi (UPPJII) STIE Jambatan Bulan

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Abstract

The aims of the research to determine the financial condition of CV Harkat Abadi Timika using liquidity ratios, solvency ratios, and profitability ratios as well as the amount of corporate income tax rates imposed. Data is collected using documentation techniques. In this technique, data is obtained directly from CV Harkat Abadi Timika in the form of financial statements for 2016-2016. To find out the level of liquidity of CV Harkat Abadi Timika is measured using liquidity ratios. Solvency ratio is used to measure the company's ability to pay off its long-term debt. To determine the company's ability to generate profits, profitability ratios are used. The amount of PP 46 tax is obtained from total gross income multiplied by 1%. The results of the analysis show that: (1) CV. Harkat Abadi Timika's liquidity is good because the ratio is above the industry average and has increased. (2) Solvability is good because it has decreased every period. (3) Profitability is classified as good and has increased. This means that there is an increase in the company's ability to generate profits
ANALISIS PROFITABILITAS PADA CV SURYA KENCANA DI KABUPATEN MIMIKA Muh. Sabir
JURNAL ULET (Utility, Earning and Tax) Vol 1 No 1 (2017): JURNAL ULET (Utility, Earning and Tax)
Publisher : Unit Pengelola dan Pengembangan Jurnal Ilmiah dan Informasi (UPPJII) STIE Jambatan Bulan

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Abstract

The aims of this research to know how the level of economic profitability at CV Surya Kencana in Mimika regency. Data analysis methods are used by the ratio protabilitas companies based on financial report, both the balance sheet and profit and loss list. Data analysis methods are used by the writer to help solve problems in this paper are as follows: 1) Gross Profit Margin is the ratio of sales minus by sold cost price or the ratio between gross profit with sold. This rasio is useful to know the company's gross profit from any items sold; 2.Net profit Margin is the level of profi/net sales income derived from the business after deducting all expenses and income taxes; 3) ROA (Return On Assets) is the ratio of net profit after tax to assess the extent of the rate of return on assets owned by the company. The results this research showed that: 1) The performance of the company based on the analysis of its protability based on Gross Profit Margin after the last 3 years, from 2010 to 2012 has decrease. The decrease that occurred in Gross Profit Margin is due to differences in the acquisition of the sales and elements that is associated with the sold cost price, such as the base supply, purchasing, and last supply so that the company's activities has decreased from year to year, due to higher operating costs. 2) Similarly, the company's net profit margin has decreased over the years, due to rising costs operasinoal.General financial performance of companies based on ratio analysis its protability for 3 years (2010-2012) has not completely efficient is due to its protability levels decreased during three years.
ANALISIS POTENSI KEBANGKRUTAN PADA PERUSAHAAN PENERBANGAN YANG TERDAFTAR DI BURSA EFEK INDONESIA Sylvester Sesa Langoday; Muh. Sabir
JURNAL ULET (Utility, Earning and Tax) Vol 4 No 1 (2020): Jurnal Ulet (Utility, Earning, and Tax)
Publisher : Unit Pengelola dan Pengembangan Jurnal Ilmiah dan Informasi (UPPJII) STIE Jambatan Bulan

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Abstract

Generally,bankruptcy is interpreted as a failure of the company in carrying out operations to achieve the goals. The purpose of this study was to determine the bankruptcy potential and comparison of bankruptcy potential between PT Airasia Indonesia Tbk and PT Indonesia Transport and Infrastructure Tbk.The type of data used in this study is quantitative data and qualitative data. Technique to collect the data is documentation.The analytical tool used is Altman Z-Scoreanalysis, Springate Score analysis and Zmijewski Scoreanalysis. The results from this study showed that:(1) Both of companies, PT Airasia Indonesia Tbk and PT Indonesia Transport and Infrastructure Tbk, are in the bankruptcy potential zone. (2) PT Airasia Indonesia Tbk has more potential for bankruptcy than PT Indonesia Transport and Infrastructure Tbk
ANALISIS STRATEGI PENGENDALIAN BIAYA OPERASIONAL DI GRAND MOZZA HOTEL TIMIKA (STUDI KASUS STANDARISASI BIAYA OPERASIONAL Helviyan Mahendra; Muh. Sabir
JURNAL ULET (Utility, Earning and Tax) Vol 4 No 2 (2020): Jurnal Ulet (Utility, Earning, and Tax)
Publisher : Unit Pengelola dan Pengembangan Jurnal Ilmiah dan Informasi (UPPJII) STIE Jambatan Bulan

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Abstract

This study aims to determine the existence of deviations from the budget towards the realization of operational costs at the Grand Mozza Timika Hotel. The method used in this research is descriptive method, which aims to collect budget and realization data in a period that has been completed. Data collection tools used in this research were interview and documentation methods, with data analysis instruments namely analysis of variance (difference) budget against realization. The results of this study indicate that the operational cost budget at each department of the Grand Mozza Timika Hotel produces a favorable and unfavorable difference. However, the overall total operational cost of Hotel Grand Mozza Timika in a period of 1 year shows a favorable difference. It can be proven that the budgeted cost is Rp10,180,676,012 and the realized cost is Rp. 8,086,809,702 has a cost variance of Rp. 2,093,866,311 with a value of 21%, which is very efficient. This means that the cost control strategy for the preparation of the Grand Mozza Timika Hotel operational cost budget has been running but has not functioned properly
ANALISIS KREATIVITAS BISNIS TERHADAP KEUNGGULAN BERSAING PADA PERCETAKAN UNDANGAN PERNIKAHAN DI KOTA TIMIKA Muh Sabir; Rima Diman
JURNAL KRITIS (Kebijakan, Riset, dan Inovasi) Vol 6 No 2 (2022): JJURNAL KRITIS (Kebijakan, Riset dan Inovasi)
Publisher : Delilah Tinggi Ilmu Ekonomi Jambatan Bulan

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Abstract

This study aims to determine the analysis of business creativity on competitive advantage in a wedding invitation printing in Timika City. The research method used is a descriptive method, which is a research method that describes or describes something, for example conditions, conditions, situations, activities, and others. In this study the data collection techniques used were observation, interviews, and questionnaires. To find out business creativity of competitive advantage in a wedding invitation printing in the city of Timika, the analysis used in this study is the analysis of the chi square of the sample. The results showed that there was an influence on business creativity on competitive advantage on a wedding invitation printing in the city of Timika, which means the authenticity of the product, the transformation of a product and the feasibility of the product from the indicator of business creativity on competitive advantage has an influential results in the city of Timika.
SOSIALISASI PENTINGNYA MENJAGA LINGKUNGAN DI KAMPUNG MAWOKAU JAYA Muh. Sabir; Tika Irmawati Ishak; Rosalina Rumpaidus; Cheyni Chintia Langingi; Asril Fachri Waimalaka
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 4 No. 2 (2023): Volume 4 Nomor 2 Tahun 2023
Publisher : Universitas Pahlawan Tuanku Tambusai

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Abstract

Tujuan dari pengabdian ini adalah untuk meningkatkan pengetahuan Kampung Mawokau Jaya dalam menjaga lingkungan. Kegiatan ini diperuntukkan kepada seluruh masyarakat Kampung Mawokau Jaya melalui sosialisasi pentingnya menjaga lingkungan. Seluruh kegiatan adalah hasil kerjasama dosen pembimbing dan mahasiswa Prodi Akuntansi STIE Jambatan Bulan dengan Seluruh Aparat Kampung Mawokau Jaya. Kegiatan sosialisasi tersebut mendapat respon yang sangat baik dari masyarakat Kampung Mawokau Jaya. Hal ini terlihat respon yang sangat baik pada saat sosialisasi semua peserta memperhatikan dengan baik serta banyak peserta yang menayakan banyak hal tentang materi Sosialisasi tersebut. Masyarakat Kampung Mawokau Jaya juga sangat antusias dalam sesi tanya jawab seelah penyampaian materi sosialisasi.
ANALISIS KEBIJAKAN PEMASARAN SEGMENTASI DEMOGRAFI NASABAH PENGAMBIL KREDIT PADA KOPERASI SIMPAN PINJAM KOPPONTREN ANNISA (Studi Kasus Koperasi Koppontren Annisa) Susi Susanti; Muh. Sabir
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 1 No. 5 (2023): September
Publisher : CV. ADIBA AISHA AMIRA

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Abstract

This study aims to determine the Demographic Segmentation Analysis of Credit Taking Customers at the Koppontren Annisa Savings and Loans Cooperative. To Group Customers. The research method used in this study is a descriptive method, namely a research method that describes a situation or event of a phenomenon. In this study, the data collection method used was documentation, interviews, questionnaires. The analysis used in this research is grouping analysis which is often known as cluster analysis. The results of this study indicate that customer demographic segmentation is divided into 3 clusters, namely cluster 1 based on age and income variables, cluster 2 based on gender variables and cluster 3 based on the last education variable.
Marketing Mix Dengan Pendekatan SEM-PLS Muh Sabir; Stepanus Sandy
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (280.019 KB) | DOI: 10.36418/syntax-literate.v7i11.9941

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui pengaruh marketing mix terhadap kepuasan konsumen pada Usaha Batako Istiqomah. Metode penelitian yang digunakan oleh penulis adalah penelitian asosiatif. Penelitian ini merupakan penelitian asosiatif kausal dengan menggunakan pendekatan kuantitatif. Penelitian asosiatif kausal adalah penelitian yang bertujuan untuk mengetahui pengaruh antara dua variabel atau lebih. Penelitian ini menjelaskan hubungan memengaruhi dan dipengaruhi dari variabel-variabel yang akan diteliti. Teknik pengumpulan data yang digunakan untuk memperoleh data dalam penelitian ini adalah teknik kuesioner. Analisis yang digunakan dalam penelitian ini adalah analisis regresi linier berganda. Hasil dari penelitian ini adalah komponen Marketing Mix untuk produk dan harga tidak berpengaruh signifikan terhadap kepuasan konsumen sedangkan lokasi dan promosi berpengaruh signifikan terhadap kepuasan konsumen.
Membangun Bisnis Berkelanjutan: Pentingnya Sosialisasi dan Pelatihan Penyusunan Laporan Keuangan Bagi UMKM Longginus Gelatan; Ignasius Narew; Ahmad Tomu; Muh Sabir; Rosdiana Rosdiana
ABDI DAYA: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol 1 No 1 (2023): ABDI DAYA: Jurnal Pengabdian dan Pemberdayaan Masyarakat
Publisher : STIE Jambatan Bulan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52421/abdidaya.v1i1.412

Abstract

Pelaksanaan kegiatan pengabdian dilatarbelakangi oleh banyaknya usaha mikro kecil dan menengah di Kelurahan Pasar Sentral Timika yang tidak mampu menyusun laporan keuangan untuk usahanya. Dengan adanya kegiatan ini diharapkan dapat memberikan pemahaman kepada para pelaku UMKM mengenai bagaiman manfaat laporan keuangan bagi usaha dan bagaiman menyusun laporan keuangan untuk usaha. Kegiatan ini dilakukan dalam bentuk sosialisasi dan pelatihan. Setelah dilakanakan kegiatan ini pelaku usaha mikro kecil dan menengah sangat puas karena kegiatan ini telah mampu memberikan pemahaman yang baik tentang manfaat laporan keuangan dan penyusunan laporan keuangan dalam rangka pengelolaan keuangan yang baik bagi usahanya.