Journal La Bisecoman

Journal Information
ISSN / EISSN : 2721-0987 / 2721-124X
Current Publisher: Newinera Publisher (10.37899)
Total articles ≅ 38
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Dyah Ayu Savitri, Herlina Herlina, Noer Novijanto
Published: 2 June 2021
Journal La Bisecoman, Volume 2, pp 14-24; doi:10.37899/journallabisecoman.v2i2.353

Abstract:
Chocolate spread is a type of paste which is mostly spread on breads and pastries. This research was conducted by calculating financial feasibility of chocolate spread with addition of coconut flour and coconut sugar produced by Yayasan Suren untuk Indonesia. The aim of this research is to observe the financial feasibility of chocolate spread with addition of coconut flour and coconut sugar in order to obtain its development strategy on production management and marketing. The results showed BEP value of 16659,4; PBP (year) value of 1,9; NPV value of 20389635,9; IRR value of 1526% and B/C ratio of 1,05. Therefore, based on financial feasibility analysis, this business is feasible to execute. Furthermore, based on sensitivity analysis using four scenarios, this business is not feasible to execute while undergoes increasing of price of raw material as big as 4% and decreasing of selling price as big as 3%. Based on those scenario, NPV value of this business was Rp -194.353.160,28 (<0); followed by value of IRR, Net B/C, payback period and BEP were 10,94%; 1,00; 7,88 and 155.020,62 respectively.
Ogbonna Ogbonna, Ihemeje Ihemeje, Obioma Obioma, Hanson Hanson, Amadi Amadi
Published: 2 June 2021
Journal La Bisecoman, Volume 2, pp 25-41; doi:10.37899/journallabisecoman.v2i2.359

Abstract:
This study examined the impact of External debt management on economic growth of Nigeria. Using annual time series data collected over the period of 33 years (1986 – 2018). The data for the study were collected from the CBN statistical bulletin annual report. The variables on which data are collected include: Real Gross Domestic Product, External Debt, External Debt service, Balance of Payment and Exchange Rate. Data were analyzed using the Ordinary least squares (OLS) multiple regression analysis. It proceeded with Descriptive statistics; Augmented Dickey Fuller (ADF) unit root test, Co-integration test and Auto-Regressive Distributed Lag (ARDL). The study revealed that impact of external debt management on economic growth of Nigeria over the period under review was statistically significant with external debt, external debt service payment and balance of payment but statistically insignificant with exchange rate. The study recommended that governments should establish and adopt an optimal balance between external debt acquisition and application /allocation of the acquired funds to productive projects for the purpose of making a high output and a steady economic growth. The management should live up to expectation by encouraging efficient commitment of borrowed funds to productive projects so as to comply with debt serving agreement and outright payments, measures such as improving exports should be implemented to ensure that local currencies are stable.
Obioma I. F., Ihemeje J. C., Ogbonna C. I., Amadi C. O., Hanson U. E
Published: 2 June 2021
Journal La Bisecoman, Volume 2, pp 1-13; doi:10.37899/journallabisecoman.v2i2.360

Abstract:
The study examined the effects of agricultural financing on the performance of agricultural sector in Nigeria using annual time series data. The data for the study was sourced from the Central Bank of Nigeria (CBN) Statistical Bulletin. Contribution of agriculture to GDP was used as proxy for the performance of agricultural sector, commercial banks loan to agriculture, rain fall, government expenditure to agriculture and interest rate were used as proxy for explanatory variables. Following unity in the order of integration, Johansen cointegration approach was used to check for the long run relationship among the variables. Vector autoregressive estimate the vector correction mechanism was used to examine the speed of adjustment of the variables from the short run dynamics to the long run equilibrium. The study found that there is long run relationship among the variables. Specifically; there is significant and long run effect of Agricultural Credit Guarantee Scheme on Contributions of agriculture to GDP. Commercial banks loans to agriculture showed positive and significant effect on Contributions of agriculture to GDP within the reference period. The coefficient of multiple determinations explained the variation in the dependent variable jointly explained by the independent variables. The study recommend that there should be increase in the amount which the agricultural credit guarantee scheme inject into the sector on annual basis and proper supervisory measures should be constituted in order to ensure efficient application and use of the money.
Nsikak-Abasi Etim, Glory Edet
Published: 6 March 2021
Journal La Bisecoman, Volume 2, pp 32-38; doi:10.37899/journallabisecoman.v2i1.225

Abstract:
Majority of the poor in Nigeria lack access to basic financial services which are a sine qua non for improved livelihood. In most cases, they are often excluded from formal opportunities for financial services leaving them only with informal alternatives. But credit availability to the poor in the rural areas is critical to reducing poverty. An empirical study was conducted to measure the impact of agricultural credit of the welfare of farmers. Multistage sampling procedure was employed to select the farmers. Questionnaires were employed to collect data. Multiple regression analysis and chow test were for analyses. Results revealed that the mean age and years of education of farmers were 12 and 31 years respectively. Findings also showed that the most critical factors impacting the welfare of farmers were marital status, marriage type, educational level, farm size, off-farm income, labour, type of enterprise, labour and access to modern farming inputs. Policies to encourage human capital development of rural farmers would be a rational decision.
Le Ngoc Nuong, Ngo Thi Huyen Trang, Nguyen Thi Thuy Trang, Nguyen Tien Lam
Published: 6 March 2021
Journal La Bisecoman, Volume 2, pp 13-22; doi:10.37899/journallabisecoman.v2i1.332

Abstract:
Tourism development policy will pay attention to stakeholders, especially the people, who play an important role. However, in reality, when people participate in rural tourism development, they are not equipped with basic knowledge and skills in managing and serving tourists. Because the benefits between stakeholders are still not clear, the participation of people in rural tourism development is currently only passive. Active participation need to be directed from the Government and local authorities because the concept that rural tourism development is not only about creating economic benefits but also associated with conservation and preservation, together with keeping and promoting cultural - historical values in rural areas.
Andi Eko Wiyono, Andrew Setiawan Rusdianto, Meiji Wanarni Putri
Published: 6 March 2021
Journal La Bisecoman, Volume 2, pp 23-31; doi:10.37899/journallabisecoman.v2i1.330

Abstract:
Coffee bag is pure coffee packaged in a dip bag. The first advantage of this product is that consumers can enjoy black coffee with the right taste because it already has a one-time dose. Some drinkers who do not pay attention to the rest of the coffee, by consuming coffee bag they will not get the remaining coffee grounds in their drinks. This study have purpose to see the attributes that become preferences and indicators that measure the taste of the best variation of coffee bag that consumers want. The result of this research is that the coffee is dyed based on consumer preference which is coffee that has a bitter taste, an aroma that represents the taste of coffee, a strong mouth weight, and a long-lasting taste. The taste of the coffee bag with the best variation that consumer input is the natural sample, namely 4169 100% natural coffee bag with an average of 3.79. Respondents argued that the natural sample has a strong mouth weight, bitter taste, and the aroma of the sample represents coffee (has a characteristic). Coffee produced from the dry process is usually superior in the body, fruity taste (fruity), more bitter, low acidity.
Ayudya Adisti, Hans Samuel Listijono, Mutiara Fajrin Maulidya Mohammad, Judhith Vidya Dayati, Zein Lestya Pradana
Published: 6 March 2021
Journal La Bisecoman, Volume 2, pp 1-6; doi:10.37899/journallabisecoman.v2i1.303

Abstract:
To ascertain the reasons investors lost money with the PT Falcon Resources Management report. to provide sanctions and liability for investors who have lost in mutual funds This report uses the law technique. The second strategy was a conceptual. Secondary data are obtained by identifying and gathering data already released books, newspapers, magazines, journals, and internet portals. This result demonstrates that if an investor will demonstrate that the manager has defaulted or has violated the rule, he or she will be liable for compensation. Accountability is carried out in compliance with the rules and legislation in place. as a result of regulatory penalties, PT Falcon lost its business license. For criminal penalties, the offense will be punished under article 104 of the Capital Market Law with a sentence of ten years and a fine of fifteen billion credits. Meanwhile, the PT Falcon Manager will be charged in civil court on the grounds of Act Against the Law, and the investor will be rewarded if victorious.
Igor Turaev, Fozil Ganiev
Published: 6 March 2021
Journal La Bisecoman, Volume 2, pp 7-12; doi:10.37899/journallabisecoman.v2i1.321

Abstract:
This essay addresses the idea of small and medium-sized companies, the consequences of the pandemic on small and medium-sized enterprises, and approaches to creating and managing medium and small-sized businesses during the duration of the crisis. Most small and medium-sized businesses engage in formal commercial operations through cooperative enterprises. but there is a large effect on many who have medium-sized companies, delivery is impaired, as well as salespeople and those who depend on it; moreover, large numbers of salespeople would be hit by this pandemic. There is also an urgent need for increased management of small to mid-way and medium sized companies to be completed, which includes prioritizing the physical wellbeing of employees, leveraging digital marketing, and improving product and service efficiency, thus curtailing company revenue and costs, as well as re-evaluating the current strategy. As a result, that enables small and medium-sized businesses to stay afloat in the Covid-19pandemic.
Cordelia Alisbha, Ibtisam Abnaty Intishar
Published: 31 December 2020
Journal La Bisecoman, Volume 1, pp 34-38; doi:10.37899/journallabisecoman.v1i6.298

Abstract:
The study discusses planning a management function, the success or failure of achieving predetermined goals depends on planning The financial planning process rate and political stability in saving money, Two important aspects in the financial planning process (1) Cash planning, which includes the preparation of the company's cash budget. (2) Profit planning, corporate profit planning made in the form of a pro forma financial report. Interest rate, changes in interest rates will affect the value of a country's currency in general against the dollar. Currency trading rates (forex), interest rates, and inflation are all interrelated. An increase in the interest rate causes a country's currency to appreciate. Political Stability the political stability and economic performance of a country can affect the strength of its currency.
Mateen Tashfeen, Zaryan Shahmeer
Published: 31 December 2020
Journal La Bisecoman, Volume 1, pp 23-29; doi:10.37899/journallabisecoman.v1i6.296

Abstract:
This study discusses about the financial management, investation decision,which is include about the funding decision, and devided decision. The finanncial management porpuse to maximize profit or profit and minimize costs in order to obtain a maximum decision making in running the company towards the development and running company. Managing finances during the pandemic namely (1) adjust variable expenses using the average method (2) prioritize mandatory and necessary (3) pay off high-interest consumer debt, and don’t add more (4) keep an emergency fund where it sholud be (5) thinking twice about making a profit from insurance (6) still set aside money for investment (7) just set aside 10% of income for things that are desire.
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