Jurnal Ekonomi Dirgantara

PERAN DAN STRATEGI ACCOUNT OFFICER DALAM MEMINIMALISIR RISIKO PEMBIAYAAN BERMASALAH PADA PT BPRS AMANAH UMMAH CABANG BOGOR

2026-07-30T10:18:39+00:00

Penelitian kualitatif deskriptif ini bertujuan menganalisis peran Account Officer (AO) dalam pengelolaan pembiayaan, mitigasi risiko, serta pengawasan dan penanganan pembiayaan bermasalah di PT BPRS Amanah Ummah Cabang Bogor, yang dilatarbelakangi oleh kecenderungan kenaikan rasio Non-Performing Financing (NPF) meskipun masih dalam kategori sehat. Data diperoleh melalui observasi, studi dokumentasi, dan wawancara mendalam bersama AO serta staf remedial, yang diuji keabsahannya via triangulasi sumber dan metode, lalu dianalisis menggunakan model Miles dan Huberman. Hasil penelitian menunjukkan bahwa peran AO sangat komprehensif mulai dari analisis kelayakan berbasis prinsip 5C (Character, Capacity, Capital, Collateral, dan Condition of Economy) hingga pengawasan pasca-pencairan dengan strategi preventif yang mengandalkan verifikasi mendalam, survei lapangan, serta pemantauan rutin lewat kunjungan langsung dan media digital. Jika timbul indikasi pembiayaan bermasalah, penanganan dini dilakukan melalui pendekatan persuasif dan opsi restrukturisasi, sehingga disimpulkan bahwa efektivitas AO dalam menekan risiko pembiayaan tidak hanya ditentukan oleh kehati-hatian analisis awal, tetapi juga oleh konsistensi monitoring dan kualitas komunikasi dengan nasabah.

This descriptive qualitative study aims to analyze the role of Account Officers (AO) in financing management, risk mitigation strategies, and the monitoring and handling of non-performing financing at PT BPRS Amanah Ummah Bogor Branch. The study was prompted by a trend of increasing Non-Performing Financing (NPF) ratios over time, despite remaining within a healthy threshold. Data were collected through observations, documentary studies, and in-depth interviews with Account Officers and remedial staff. The validity of the data was tested using source and method triangulation, while data analysis followed the Miles and Huberman model (data reduction, data display, and conclusion drawing). The results indicate that the Account Officer's role is comprehensive—encompassing candidate identification, creditworthiness analysis based on the 5C principles (Character, Capacity, Capital, Collateral, and Condition of Economy), financing proposal submission, and post-disbursement monitoring. Preventive strategies are optimized through in-depth data verification, field surveys, and persuasive communication. Regular monitoring is conducted via direct visits, digital communication, and tracking customer business progress, with persuasive approaches and restructuring options applied as early intervention measures when indications of non-performing financing arise. Ultimately, the study concludes that an Account Officer's effectiveness in minimizing non-performing financing relies not only on rigorous initial analysis but also on consistent monitoring and the quality of communication maintained with customers.

PENGARUH GAYA KEPEMIMPINAN DAN LINGKUNGAN KERJA TERHADAP PRODUKIVITAS KARYAWAN DENGAN KEPUASAN KERJA SEBAGAI VARIABEL INTERVENING PADA PT. GRAND WIJAYA PERSADA DI TELUK KABUNG TENGAH

2026-08-01T06:36:25+00:00

Penelitian ini bertujuan untuk mengetahui pengaruh Gaya Kepemimpinan dan Lingkungan Kerja terhadap Produktivitas Karyawan melalui Kepuasan Kerja sebagai variabel intervening pada PT Grand Wijaya Persada. Metode yang digunakan adalah kuntitatif. Penelitian menggunakan data primer (kuesioner) dari 84 responden karyawan PT Grand Wijaya Persada. Teknik analisis data yang digunakan adalah Structural Equation Modeling (SEM) dengan bantuan SmartPLS V3.2. Hasil penelitian ini menunjukkan bahwa, Gaya Kepemimpinan berpengaruh negatif dan tidak signifikan terhadap Kepuasan Kerja. Lingkungan Kerja berpengaruh positif dan signifikan terhadap Kepuasan Kerja. Gaya Kepemimpinan berpengaruh positif dan tidak signifikan terhadap Produktivitas Karyawan Lingkungan Kerja berpengaruh positif dan signifikan terhadap Produktivitas Karyawan.Kepuasan Kerja berpengaruh positif dan signifikan terhadap Produktivitas Karyawan. Kepuasan Kerja tidak mampu memediasi pengaruh Gaya Kepemimpinan terhadap Produktivitas Karyawan. Kepuasan Kerja mampu memediasi pengaruh pengaruh Lingkungan Kerja terhadap Produktivitas Karyawan pada PT Grand Wijaya Persada. Hasil akhir dari penelitian ini menyarankan agat PT Grand Wijaya Persada lebih menyesuaikan Gaya Kepemimpinan dari perusahaan agar meningkatkan Produktivitas dari Karyawan.

This research aims to determine the influence of Leadership Style and Work Environment on Employee Productivity through Job Satisfaction as an intervening variable at PT Grand Wijaya Persada. The method used is qualitative. The research used primary data (questionnaires) from 84 respondents who were employees of PT Grand Wijaya Persada. The data analysis technique used is Structural Equation Modeling (SEM) with the help of SmartPLS V3.2. The results of this research indicate that Leadership Style has a negative and insignificant effect on Job Satisfaction. Work Environment have a positive and significant effect on Job Satisfaction. Leadership style has a positive and insignificant effect on employee Productivity. Work Environment have a positive and significant effect on Employee Productivity. Job Satisfaction has a positive and significant effect on Employee Productivity. Job Satisfaction is unable to mediate the influence of Leadership Style on Employee Performance. Job Satisfaction is able to mediate the influence of Work Environment on Employee Productivity at PT Grand Wijaya Persada. The final results of this research suggest that PT Grand Wijaya Persada further adapts the company's leadership style to improve employee Productivity.

PENGARUH QUALITY CONTROL TERHADAP KINERJA MONTIR BENGKEL MOTOR DI RENGASDENGKLOK KARAWANG

2026-08-20T12:39:32+00:00

Studi ini berfokus utama guna menganalisis pengaruh quality control terhadap kinerja montir pada bengkel kendaraan bermotor di Kecamatan Rengasdengklok, Kabupaten Karawang. Pendekatan kuantitatif diterapkan dengan desain deskriptif dan verifikatif. Populasi penelitian sejumlah 122 montir pada 30 bengkel, bersampel 94 responden ditentukan melalui rumus Slovin berteknik proportionate random sampling. Data dikumpulkan melalui kuesioner skala Likert dan dianalisis dengan statistik deskriptif, uji validitas, reliabilitas, normalitas, korelasi Pearson, regresi linear sederhana, koefisien determinasi, serta uji hipotesis. Temuan menjabarkan bahwasanya quality control memperoleh nilai rata-rata 3,10 dan kinerja montir sebesar 3,14, yang keduanya berkategori sedang. Hasil analisis verifikatif menjabarkan nilai korelasi Pearson sebesar 0,7637, koefisien regresi sebesar 0,7723, dan koefisien determinasi sebesar 58,33%. Uji t bernilai 11,348 bernilai signifikansi <0,001, sehingga quality control terbukti berpengaruh positif dan signifikan terhadap kinerja montir. Temuan ini menjabarkan bahwasanya makin baik implementasi daripada SOP, inspeksi proses, pemeriksaan akhir, pencatatan ketidaksesuaian, dan tindakan perbaikan, maka semakin baik pula kualitas kerja, kecepatan penyelesaian, keterampilan teknis, produktivitas, dan perilaku kerja montir. Dengan demikian, penguatan quality control menjadi salah satu upaya penting untuk meningkatkan kinerja montir secara konsisten dan berkelanjutan.

This study mainly focuses to analyze the effect of quality control on mechanic performance in motor vehicle repair workshops in Rengasdengklok District, Karawang Regency. A quantitative approach was used with descriptive and verificative designs. The population consisted of 122 mechanics working in 30 repair workshops, with a sample of 94 respondents collected using the Slovin formula and proportionate random sampling. Data were collected through a Likert-scale questionnaire and analyzed using descriptive statistics, validity and reliability tests, normality tests, Pearson correlation, simple linear regression, the coefficient of determination, and hypothesis testing. The results show that quality control had a mean score of 3.10, while mechanic performance had a mean score of 3.14, with both variables falling into the moderate category. Verificative analysis produced a Pearson correlation coefficient of 0.7637, a regression coefficient of 0.7723, and a coefficient of determination of 58.33%. The t-test yielded a value of 11.348 with a significance level of <0.001, stating that quality control has a positive and significant effect on mechanic performance. Results shown that better implementation of standard operating procedures, process inspections, final inspections, nonconformity recording, and corrective actions is associated with improved work quality, completion speed, technical skills, productivity, and work behavior among mechanics. Therefore, strengthening quality control practices is an important effort to improve mechanic performance consistently and sustainably.