Multi Finance Research Articles

Analisis Rasio Solvabilitas (DAR, DER, TIE) Terhadap Kinerja Keuangan Perusahaan pada Sektor Keuangan (PT Adira Dinamika Multi Finance Tbk dan PT BFI Finance Indonesia Tbk Periode 2016-2020)

Abstract: This study aims to find and analyze the effect of debt to asset ratio, debt to equity ratio and times interest earned on the financial performance of PT Adira Dinamika Multi Finance Tbk and PT BFI Finance Indonesia Tbk. This research was conducted through the official website of the Indonesia Stock Exchange (IDX) at www.idx.co.id. The data source used is secondary data in the form of financial statements for the 2016-2020 period. The data analysis technique used in this research is quantitative descriptive analysis technique, namely data in the form of numbers which include financial statements in the form of balance sheets and income statements that describe real circumstances or events in the company. The results of the study using the debt to asset ratio, debt to equity ratio and times interest earned shows that the financial condition of PT Adira Dinamika Multi Finance Tbk and PT BFI Finance Indonesia Tbk during the 2016-2020 period showed an unfavorable condition. This is evidenced by the company's inability to pay off debts to external parties and the analysis results do not meet the general industry average standards. Keywords: Financial Performance; Solvency Ratio; DAR; DER; TIE

PENGARUH KONTEN MEDIA BROSUR TERHADAP PENGAMBILAN KEPUTUSAN KONSUMEN DI KREDITPLUS CABANG BANJARMASIN

Brochure is a tool for the promotion of goods, services, etc., which is also interpreted by official publication tools to companies in the form of prints, which contain various information about a product, service, program, and so on that is addressed to a specific target market or target. The purpose of this study is to examine the effect of the use of printed or online brochures on consumer purchasing decisions. The research approach conducted with Quantitative explorative with research location in Banjarmasin City and research sample is 348 CreditPlus customers covering 5 sub-districts in Banjarmasin City. Based on the results of the study showed that the R value of 0.640 is located at intervals 0.60-0.799 which are strongly interpreted. So the relationship between the Brochure Promotion Content variable and the consumer's purchasing decision has a strong level of relationship. The brochure promotional content variable has a Fhitung value of > Ftabel (241,288 > 3,868). Thus the Brochure Media consists of three dimensions namely Layout, Size, Frequency simultaneously (simultaneously) there is an influence on the variables of Customer Decisions. In addition, the value of P of 0.000 < 0.05. Where, this shows that Media Brochure (X) KreditPlus to Customer Decision (Y) PT Finansia Multi Finance Kota Banjarmasin significantly affects. In addition, the results of a simple regression test obtained a correlation coefficient value or R value indicates the magnitude of the relationship between the brochure promotion content variable and the Customer Purchase Decision in using the service of 0.640 or 64.0% which is in the Strong category. The hypothesis states that Ha was accepted and H0 rejected. Thus, Varibel Media Brochure KreditPlus PT. Finansia Multi Finance significantly affects the Variables of Customer Decisions in using KreditPlus services in Banjarmasin City

RESTRUKTURISASI KREDIT KENDARAAN BERMOTOR PERUSAHAAN PEMBIAYAAN AKIBAT SITUASI PANDEMIC COVID-19

With the increase and spread of the number of cases of Corona Virus Disease 2019 (Covid-19), the impact of increasing the percentage of non-performing loans at PT. Adira Dinamika Multi Finance, Tbk Padang Branch, from the data obtained from bad loans before the Covid-19 Pandemic there were around 500 (five hundred). Restructuring of Motor Vehicle Loans for Financing Companies Due to the Covid-19 Pendemic Situation at PT. Adira Dinamika Multi Finance, Tbk Padang Branch is implemented in the form of rescheduled installment payments and there are consumers (creditors) who have been given restructuring with terms and conditions agreed by both parties, provided that the debtor or customer who submitted it is affected by Covid 19, the collateral or product being credited is still with the debtor, it is not transferred or over credited to another party, the financing value (principal debt) is below Rp10 billion. Preventive supervision of the Financial Services Authority (OJK) in the West Sumatra Region OJK will send a letter of warning to Financing Companies that do not carry out restructuring programs during the current COVID-19 pandemic, and repressively to Financing Companies that do not implement Restructuring programs as per government policy. OJK will impose administrative sanctions in the form of fines to financing companies.

ANALISIS CREDIT SCORING TERHADAP STATUS PEMBAYARAN BARANG ELEKTRONIK DAN FURNITURE MENGGUNAKAN BOOTSTRAP AGGREGATING K-NEAREST NEIGHBOR

Classification is the process of grouping objects that have the same characteristics into several categories. This study applies a combination of classification algorithms, namely Bootstrap Aggregating K-Nearest Neighbor in credit scoring analysis. The aim is to classify the credit payment status of electronic goods and furniture at PT KB Finansia Multi Finance in 2020 and determine the level of accuracy produced. Credit payment status is grouped into 2 categories, namely smoothly and not smoothly. There are 7 independent variables that are used to describe the characteristics of the debtor, namely age, number of dependents, length of stay, years of service, income, amount of payment, and payment period. The application of the classification algorithm at the credit scoring analysis is expected to assist creditors in making decisions to accept or reject credit applications from prospective debtors. The results showed that the accuracy obtained from the Bootstrap Aggregating K-Nearest Neighbor algorithm with a proportion of 90:10, m=80%, C=73, and K=5 was the best, which was 92.308%.

PENGARUH MODAL KERJA TERHADAP TINGKAT PROFITABILITAS PADA PT. ADIRA DINAMIKA MULTI FINANCE TBK.

Purpose – This study to test and analyze influence the effect of working capital on the level of profitability at PT. Adira Dinamika Multi Finance Tbk
 Design/methodology/approach – The data analysis technique used in this research is descriptive statistical analysis, classical assumption test, paired samples t-test, simple linear regression test, t test and hypothesis test.
 Findings – Working capital (DER) which has a negative effect is proven to decrease the profitability (ROA) of PT. Adira Dinamika Multi Finance, Tbk 
 Originality – The population is the report on 2009-2019 accounting for 11 years at PT. Adira Dinamika Multi Finance Tbk
 Keywords: Working Capital, Profitability
 Paper Type Research Result

THE EFFECT OF SERVICE QUALITY, BRAND IMAGE AND PRICE PERCEPTION ON SALES VOLUME OF VIVO BRAND SMARTPHONES (survey on consumers of PT. Finansia Multi Finance, Bangkinang Branch)

This study aims to determine the effect of service quality, brand image and price perception on sales volume of Vivo brand smartphones (survey on consumers of PT. Finansia Multi Finance, Bangkinang Branch). This research was conducted by distributing questionnaires to 91 consumers who bought the Vivo brand smartphones. The type of data used consists of primary data and secondary data. These data were collected using a questionnaire and research files. From the results of the validity test, all items of the statements submitted to the respondents were declared valid with a value of rcount greater than the value of rtable (0.206). Reliability test results also indicate that each item has a good level of reliability with Cronbach's alpha value above 0.6. From the results of the study concluded that the independent variables partially affect the sales volume at PT. Finansia Multi Finance Bangkinang Branch. The analytical tool used to measure the effect of the independent variable on the dependent variable is multiple linear regression. The correlation coefficient (R) is 0.668 with the coefficient of determination (R2) of 42.60%. The results of this study indicate that the variables of service quality, brand image and price perception affect the sales volume at PT. Finansia Multi Finance Bangkinang Branch.

Data Warehouse Design for Multi Finance Companies

Data is an important asset in an organization which is the basis for managers company to make policies, carry out strategies, or make decisions. Data processing can be done in various places, for example in databases operational, operational applications, or using technology data warehouse. The system data warehouse is connected to heterogeneous data sources and is used by decision makers to analyze the conditions and development of the organization. In this research, the initial stage is to carry out a system analysis database operational, studying the software and hardware used at PT XYZ to get an understanding of the current system requirements. Then data warehouse will be designed and set the ETL (Extract, Transformation, Loading) data needed from the database system that is running to the data warehouse that has been designed. The design of a data warehouse uses the Kimball method which consists of nine stages of the methodology (nine-step methodology). With the design results, it is hoped that it can provide a design data warehouse that can be implemented easily to support activities business analysis multi-finance and answer business questions quickly, flexible, and accurate

ANALISIS TEKNIKAL HARGA SAHAM PT. ADIRA DINAMIKA MULTI FINANCE Tbk. DI MASA COVID 19 DENGAN METODE ARIMA

This study aims to analyze and predict stock prices using technical analysis at PT. Adira Dinamika Multi Finance, Tbk by ARIMA method. Data collection technique used is archival data collection which comes from secondary data. Secondary data in this study’s from daily data on ADMF shares in 2nd January 2020-26th October 2020 which is sourced from finance.yahoo.com. The analysis technique used in this research is the Box-Jenkins method with three stages, i.e. the first stage of identification and specification of ARIMA model (p, d, q), the second stage is prediction stage, the third stage is diagnosis model. This study results show that the MA Model (2) is the best model whose data describes ADMF stock price movements during the pandemic period and produces a difference between the real data and forecast is not too different. Where on average there’s a difference about Rp. 43.5 between the real stock price data with forecast data. Suggestions for future researchers to use fundamental analysis to support investment decisions.

Inovasi Layanan PT Mitra Tour Dan Travel Dalam Meningkatkan Kualitas Pelayanan Sebagai Upaya Eksistensi Di Era Persaingan Global

This study aims to describe the innovations that have been made by PT. Mitra Tour and Travel Gresik and describe the service quality of PT. Tour and Travel Partners after making innovation as an effort to exist in the era of global competition. This type of research used by researchers is descriptive qualitative. Data collection techniques in this study were interviews, documentation and observation. Data analysis techniques consist of data reduction, data presentation and conclusion drawing. The results showed that the service innovation that had been developed by PT. Tour and Travel Partners are PLN payments, PDAM payments, BPJS payments, internet payments, top up credit, Multi finance, tax and vehicle registration, delivery of packages and documents, money transfers, and OVO, Brizzi, Link Aja, Dana iso balances. For service quality PT. Mitra Tour and Travel seen from the tangible dimensions, reliability, responsiveness, assurance and empathy in general are very good.

Penunjang Keputusan Dalam Kelayakan Pemberian Kredit Motor Pada PT.Mandala Multifinance

PT Mandala Multi Finance merupakan perusahan leasing yang bergerak dibidang jasa kredit motor bagi pemohon kredit dan mengambil keuntungan dari pembayaran bunga kredit. Pada dasarnya perusahaan leasing merekrut tenaga kerja dibagian credit analyst untuk melakukan analisis terhadap kemampuan membayar pemohon kredit dan melakukan survey lapangan untuk mengurangi kemacetan dalam membayar kredit. Seorang Credit Analyst diharapkan untuk bekerja cepat dan teliti dalam menganalisa banyaknya data pemohon kredit yang masuk sehingga tidak menutup kemungkinan terjadi kesalahan-kesalan, seperti kesalahan perhitungan, kesalahan membaca data, dan lain-lain. Oleh karena itu dalam upaya membantu Credit Analyst dalam kegiatan pengambilan keputusan konsumen layak kredit, diperlukan model sistem berbasis komputer yang dapat memberikan kemudahan dalam melakukan analisa data, perhitungan penilaian kriteria pemohon kredit, serta membantu pengolahan data menjadi informasi untuk mengambil keputusan dari masalah tersebut. Sebuah sistem penunjang keputusan merupakan pilihan tepat untuk membantu penyeleksian pemohon kredit dimana sistem penunjang keputusan ini dirancang dengan menggunakan metode AHP, pembuatan sistem menggunakan bahasa pemograman php dan database mysql. Diharapkan sistem penunjang keputusan ini dapat membantu kerja perusahaan leasing khususnya pada bagian Credit Analyst dalam melakukan penyeleksian pemohon kredit dan dapat mengurangi kesalahan dalam menentukan konsumen layak kredit.

ANALISIS PENGENDALIAN PIUTANG USAHA PADA PT. ASTRA MULTI FINANCE (SPEKTRA) SAMARINDA

This study aims to determine and analyze the control of trade receivables at PT. Astra Multi Finance (SPEKTRA) Samarinda, considering that the company is increasing its profits by selling loans. The sale of credit does not immediately generate cash receipts, but it raises accounts receivable. This trade receivable will be effective in increasing sales if carried out supervision or control, it is necessary to study the effectiveness of internal control over the trade receivable. The theory that underlies this research is management accounting specifically about receivables and control of receivables. The analytical tools used in this study are Receivable Turn Over, Average Collection Period, Arrears Ratio and Billing Ratio The results showed that: first, Receivable Turn Over every year has increased which means that control of receivables from year to year more effective. Second, the Average Collection Period from year to year is getting faster which shows that the billing department can collect receivables into cash faster. Third, the calculation of the Arrears Ratio has decreased which shows that the amount of outstanding arrears has decreased, this is good for the company because the amount of receivables is getting smaller. Fourth, the calculation results of the Billing Ratio have increased each year. Thus it was concluded that control of receivables at PT. Astra Multi Finance (SPEKTRA) Samarinda has been carried out effectively.

Pengaruh Keterlibatan Kerja dan Orientasi Belajar terhadap Kinerja Karyawan dengan Mediasi Kompetensi

Abstract The purpose of this study was to examine and analyze the effect of work engagement and learning orientation on competence. To test and analyze the effect of work engagement, learning orientation and competence on employee performance. To test and analyze the effect of work engagement and learning orientation on employee performance mediated by competence.The population in this study were employees of PT. Adira Dinamika Multi Finance Tbk. The Pekalongan Branch is 65 Debt Collector employees. The research method uses analytical tools in the form of mediation test analysis.The results of the study were obtained as follows. Work involvement and learning orientation have a positive and significant influence on employee competencies in PT. Adira Dinamika Multi Finance Tbk. Pekalongan Branch. Work involvement, learning orientation and competence have a positive and significant impact on employee performance of PT. Adira Dinamika Multi Finance Tbk. Pekalongan Branch. Competence as a variable mediating the effect of work involvement and learning orientation on employee performance of PT. Adira Dinamika Multi Finance Tbk. Pekalongan Branch.
 
 

EXECUTIVE IMPLEMENTATION BY DEBT COLLECTOR AGAINST FIDUSIAN OBJECT GUARANTEE

Multi - finance institutions in Indonesia are better if the indicator is the number of consumer finance in Indonesia in the last few years. The growth of consumer financing can be seen from all the convenience given by the multi finance. The factor that dominates the forced withdrawal of Fiduciary Guarantee is the existence of problem loans. This problem is al most certainly experienced by any consumer financing institution. The problems discussed in this research are about how the implementation of execution of fiduciary guarantee in the settlement credit toward four wheels (car) The formulation of problems related to with the withdrawal of vehicles accompanied by violence that is: How about the collection of arrangement or confiscation of a motor vehicle that carried out by debt collector against a debtor non-performing loans, Do factors for the act of violence carried out by debt collector, How a settlement effort the act of violence carried out by debt collector in terms of the aspect of criminal law. This research is classified as the kind of research juridical normative , study legislation as criminal code and civil law, Regulation president of the Republic Indonesia No. 9 of 2009 about Funding Institution, the act of No. 42 of 1999 about Fiduciary Security, Minister of Finance Regulation No. 130/PMK.010/2012 about Registration Fiduciary for Financing Company, this research also is study case that is focus self intensively on an object particular and learn that as a case. Arrangement about the collection of vehicles stipulated in a financing with fiduciary security contained in the act of fiduciary security number 42 of 1999 And also minister of finance regulation No 130/PMK. 010/2012

LELANG TERHADAP OBJEK JAMINAN FIDUSIA YANG DIRAMPAS OLEH NEGARA BERDASARKAN PUTUSAN PENGADILAN NEGERI DI KANTOR PELAYANAN KEKAYAAN NEGARA DAN LELANG PADANG

Deprivation of evidence must be carried out in accordance with the provisions of the law, principles, and principles justified by law, as a form of a rule of law that has bodies or executors of legal regulations. At this writing the object of the booty which is then auctioned is a Collateral Object tied to Fiduciary. The research method uses a sociological juridical approach. The results of the study explained that the legal nature of the booty that could be seized by the state based on a court decision that had permanent legal force must belong to the defendant and the object seized must have a direct relationship with the criminal act committed. The auction of objects of fiduciary confiscation by the State based on the decision of the Padang District Court at the State Wealth Service Office and Padang Auction, Padang District Attorney as executor of the verdict and KPKNL decision as the Institution appointed as the auctioneer has carried out the auction process in accordance with the procedure and the applicable rules, the implementation of the booty auction carried out has a mechanism and rules regarding its implementation. Legal certainty towards the auction buyers of the object of fiduciary collateral seized for the State based on the decision of the Padang District Court in fact became a guarantee in the Leasing company PT. The auction buyer Adira Dinamika Multi Finance, is still not felt by auction buyers, it is proven that there are various problems that arise after auction buyers are declared as auction winners, in terms of handling ownership documents up to security in utilizing vehicles purchased through the booty auction process.

Pengaruh Beban Kerja Terhadap Kelelahan Kerja (Studi Kasus pada Karyawan PT. Adira Dinamika Multi Finance Cabang Muara Bungo)

The purpose of this study was to determine how the influence of workload on work fatigue collection and marketing at PT. Adira Dinamika Multi Finance, Muara Bungo. The independent variable is the workload and the dependent variable is work fatigue. This type of research is a quantitative approach. The scale of measurement of variables in this study is using Likert scale. In this study the population is the collection and marketing employees at PT. Adira Dinamika Multi Finance, Muara Bungo which amounted to 32 people. Data analysis method in this research use simple linear regression. Based on the results of data processing, partial test results of workload variables on work fatigue have t-count> t-table of 9.706> 2.042, then the decision is Ho rejected and Ha accepted means that the workload variable has an effect on employee fatigue part collection and marketing at PT. Adira Dinamika Multi Finance, Muara Bungo. Thus the higher the workload given the company will increase employee fatigue. The result of determination test (R2) can be concluded that having the ability of work load variable to explain the variation of employee fatigue variable is 75,8%. This shows that the work fatigue of employees of a company can increase if the workload given by the company is high. For 24.2% can be explained by other factors outside of this study.

ANALYSIS OF LIQUIDITY RATIO FINANCIAL STATEMENTS IN PT. FINANSIA MULTI FINANCE (CREDIT PLUS) TO ASSESS COMPANY PERFORMANCE

This study aims to determine the financial performance of the company PT. Finansia Multi Finance (Credit Plus) in its financial statements for 3 periods from 20152017. The method used in this study is quantitative research. The data used in this study in the form of financial statements for 3 periods from 2015-2017 using a measure of ratio, namely liquidity. PT. Finansia Multi Finance (Credit Plus) in the current ratio shows the percentage, namely in 2015 3910% in 2016 537% and in 2017 567% means that in the current ratio the company is able to pay short-term debt using the company's current assets. Quick ratio shows the percentage of 2015 is 3876%, 2016 is 486% and 2017 is 507% which means that the company's ability to pay short-term debt without inventory increases. Cash ratio shows that in 2015 55%, 2016 92% and 2017 102% percentage obtained shows that the company is unable to pay short-term debt using cash

FAKTOR-FAKTOR YANG MEMPENGARUHI TURNOVER INTENTION (Studi Pada Karyawan Perusahaan Jasa Multi Finance Di Kota Jambi)

This research aims to know the factors that affect employee turnover intention on multi services companies in finance in the city of jambi. The study is quantitative research is an investigation about the social issues based on testing a theory consisting of variables, measured by numbers, and analyzed with statistical procedures to determine whether the correct theory of the predictive generalizations. The respondents in this study i.e., employees at the companies services multi finance in the city of Jambi, the method of withdrawal of samples in this study using a purposive samplingmethod, the author here use qualitative data are ordinal by disseminating the questionnaire covered alternative answer had been provided to the respondent, the dataare transformed into data interval and processed with path analysis, the results of this research show the two factors which effect on the turnover intention, namely factors of job satisfaction and organizational commitment the second, of the most influential factors i.e. organizational commitment factor. Keywords: Turnover Intention

PENGARUH KEPEMIMPINAN TERHADAP EFEKTIVITAS ORGANISASI

This study examines the effect of leadership on organizational effectiveness. Quantitaviemethod was used to collect data, by the questionnaires, and distributed to employees at PTAdira Dinamika Multi Finance Tbk, Pekanbaru. The results of this study showed that sigvalue of 0.001, fewer than probability value of 0.05. Moreover,leadership has t value of -3.396 with t table of -1.985. In conclusion, leadership significantly explained organizational effectiveness.

PERBANDINGAN YIELD OBLIGASI KORPORASI PADA SEKTOR KEUANGAN

Bonds as cheap funding alternative for company and investment instrument that gives fixed income for investor make movement and development for Indonesian capital market. A lot of company issues bonds as sources of funding and supported with an excellent rating capable for getting investor’s attractive for investing in bonds, especially in financial sector as the pillar economic growth in the country. Bonds issues that dominated in financial sector give interesting yield for investor. Comparative analysis of yield can be done for knowing the differences in yield for each rating that company has. This study analysis method is Paired Samples T-test using PASW Statistics 18. The result of this study shows that on average there are significant yield differences in bonds that have idA, idAA+, and idAAA rating. This study also shows that bonds with lower rating give higher yield and the yield of bonds in banking sub-sector higher compared with the yield of bonds in multi finance sub-sectors.

Servant Leadership dan Kepuasan Kerja terhadap Kinerja Karyawan di Lembaga Keuangan Non Bank Pontianak

This research aims to assess and obtain empirical evidence by testing different response toward servant leadership, job satisfaction on the performance of employees in non bank financial institutions of Pontianak. Non probability sampling technique in the form of purposive sampling is applied. The study was conduct 100 respondents, consist of 50 employees of PT. Pegadaian (Persero) Area Pontianak and 50 employees of PT. Finansia Multi Finance Pontianak. The result shows that among PT. Pegadaian (Persero) Area Pontianak and PT. Finansia Multi Finance Pontianak there is a difference in case of servant leadership, job satisfaction and performance of employees where as the similarity between both non bank financial institutions on Pontianak.