Neraca

Faktor-Faktor Yang Mempengaruhi Kinerja Umkm Batik Di Kota Pekalongan

Tutut Dwi Andayani, Moegiri Moegiri, Saebani Saebani, Sobrotul Imtikhanah

This paper aims to explain the factors that influence the performance of MSMEs in Pekalongan City. The factors tested in this research are human resource competency, business capital, use of accounting information, and financial literacy. This type of research is quantitative research with respondents being Batik MSMEs in Pekalongan City who are registered with the Pekalongan City Cooperatives and Micro Enterprises office. Determination of the sample size was carried out using the random sampling method. The sample used in this research was 90 respondents. Research data was analyzed using multiple linear regression. The results show that partially human resource competence, business capital, use of accounting information and financial literacy influence the performance of MSMEs. Simultaneously shows that human resource competency, business capital, use of accounting information technology, and financial literacy influence the performance of Batik MSMEs in Pekalongan City.

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Analisis Perilaku Keuangan Masyarakat Dalamkonteks Pinjaman Rentenir: Perspektif Ekonomi Syariah

Cholisa Rosanti, Nur Kholidah, Fadli Hudaya

This study was conducted to gain a deeper understanding and analyze the factors that influence the community's borrowing behavior. It is hoped that in the future, the community will shift away from loan sharks and prefer existing banks, especially Islamic banks. The research methods used include direct interviews and the distribution of questionnaires to the villagers where the study was conducted. The sampling procedure in this study is the snowball sampling method with 68 respondents. The data analysis technique used is multiple regression analysis using SPSS version 2.2

The results of the study indicate that, simultaneously, the community's borrowing behavior is significantly influenced by Islamic financial literacy, needs, convenience, and collateral, as supported by the F-test result of 9.867. Meanwhile, partially, the factors of Islamic financial literacy and collateral have a significant negative influence on the community's borrowing behavior from loan sharks. The factor of needs has a significant positive influence on the community's borrowing behavior from loan sharks. The factor of convenience does not influence the community's borrowing behavior from loan sharks.

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Pengaruh Kepemimpinan Transformasional Terhadap Berbagi Pengetahuan Tacit Dan Eksplisit Dengan Efikasi Diri Sebagai Variabel Pemoderasi

Panca Kurniati, Mohammad Fithrayudi Triatmaja, Muh Arifiyanto — Wed, 03 Jul 2024 00:00:00 +0000

This study explores the impact of transformational leadership on tacit and explicit knowledge sharing, with self-efficacy as a moderating variable. Data were collected through questionnaires distributed to employees of private companies and civil servants (PNS) in Pekalongan City using Google Forms. The analysis method employed was Structural Equation Modeling (SEM) using SmartPLS 3.0 software. The results indicate that transformational leadership has a positive and significant effect on both tacit and explicit knowledge sharing. However, self-efficacy does not moderate the relationship between transformational leadership and tacit knowledge sharing. Conversely, self-efficacy significantly moderates the relationship between transformational leadership and explicit knowledge sharing. These findings provide new insights for leadership theory and practice, as well as knowledge management within organizations, particularly in enhancing the effectiveness of knowledge sharing through transformational leadership.

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Pengaruh Religiositas Dan Lingkungan Sosial Terhadap Minat Menabung Di Lembaga Keuangan Syariah Pada Karyawan Pt Jiale Indonesia

Miswan Ansori, Dewa Kusuma — Wed, 03 Jul 2024 00:00:00 +0000

This study aims to answer the question of whether religiosity and social environment influence the interest in saving at Islamic financial institutions among employees of PT Jiale Indonesia. The approach used in this research is quantitative, with primary data sources. Primary data were collected through an online questionnaire distributed to employees of PT Jiale Indonesia. The sampling method used is purposive sampling, with a total of 353 respondents. The analytical technique employed is multiple linear regression. The results of the study indicate that both religiosity and social environment influence the interest in saving at Sharia financial institutions. Among the two variables tested, the social environment variable has a greater influence on the interest in saving at Sharia financial institutions.

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Penerapan Sistem Crm (Customer Relationship Manajemen) Untuk Meningkatkan Hubungan Pelanggan Studi Kasus Pada Pt. Tujuhlangit Lintas Nusantara

Ahmad Khambali, Fadhila Nur Aini — Wed, 03 Jul 2024 00:00:00 +0000

PT. Tujuhlangit Lintas Nusantara is a company engaged in services, especially internet service providers with fiber optic technology that offers corporate, residential and partnership internet package services. As technology advances, competition between internet service companies is getting stronger and increasingly dependent on the quality and service of each company. The existing system at PT Tujuhlangit Lintas Nusantara still has shortcomings and does not cover all the needs of the company. From this problem, a good business strategy is needed, namely using the development of a CRM (Customer Relationship Management) system that is automated in the form of a system. The methods used in this research are literature studies in the form of journals, observations and interviews. While the method used for CRM development is to use the waterfall method which is a general methodology in system development. Tools for design using UML (Unified Modeling Language). The results of the analysis concluded that CRM is the main business strategy choice at PT Tujuhlangit Lintas Nusantara. And from these problems, a CRM system will be created for the purpose of attracting new customers, customer satisfaction, obtaining higher sales, and maintaining customer loyalty in order to contribute to achieving business strategies at the company.

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Galih, Alivia, N., & Sandi Apriandi. (2023). Perancangan Sistem Customer Relationship Management (CRM) Berbasis Website di PT Aguna Amreta Ardaya. TEMATIK, 10(1), 113-123.

Nugraha, R. (2022). Rancang Bangun Sistem Crm (Customer Relationship Management) Berbasis Web Dengan Pola Mvc. JATISI (Jurnal Teknik Informatika dan Sistem Informasi), 9(1), 70-85.

Evaluasi Sales Performance PT. Lion Superindo Pekalongan

Teguh Purwanto, Khoirul Fatah, Musfirah Majid — Wed, 03 Jul 2024 00:00:00 +0000

This research aims to evaluate sales performance at PT. Lion Super Indo using the least squares method. The data used in this research includes monthly sales reports for 2022. Data analysis was carried out by applying the least squares model to estimate PT's sales performance. Lion Supeindo. The research results show that there is a significant positive correlation between promotional activities and increased sales. In addition, the least squares model developed succeeded in providing accurate predictions regarding the impact of promotions on future sales. This research provides a practical contribution to the management of PT. Lion Superindo Pekalongan in planning and optimizing sales promotion strategies. By utilizing the forecasting model that has been developed, companies can make more informed decisions regarding the allocation of promotional budgets and the optimal timing of promotional campaigns..

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Pengaruh Opini Audit Dan Temuan Audit Terhadap Kinerja Pemerintah Se-Provinsi Jawa Tengah Berkonsep Value For Money Saat Covid 19

Djauhar Edi Purnomo, Dewi Safitri, Mohammad Fithrayudi Triatmaja — Wed, 03 Jul 2024 00:00:00 +0000

Penelitian ini bertujuan untuk membuktikan secara empiris pengaruh yang ditimbulkan oleh variabel Opini Audit dan variabel Temuan Audit BPK terhadap Kinerja Pemerintah se-Provinsi Jawa Tengah berkonsep Value for Money (Rasio Ekonomi, Efisiensi, dan Efektivitas) saat COVID 19. Penelitian ini menggunakan purposive sampling dengan 35 sampel yang diperoleh dari Kabupaten dan Kota di Provinsi Jawa Tengah. Metode analisis dalam penelitian ini menggunakan analisis regresi linier berganda. Jenis penelitian ini penelitian kuantitatif dengan sumber data sekunder. Hasil dari analisa penelitian ini adalah 1) Opini Audit berpengaruh terhadap Kinerja Pemerintah se-Provinsi Jawa Tengah berkonsep Value for Money (Rasio Ekonomi, Efisiensi, dan Efektivitas) saat COVID 19, 2) Temuan Audit BPK berpengaruh terhadap Kinerja Pemerintah se-Provinsi Jawa Tengah berkonsep Value for Money (Rasio Ekonomi, Efisiensi, dan Efektivitas) saat COVID 19, 3) Opini Audit dan Temuan Audit BPK secara simultan berpengaruh terhadap Kinerja Pemerintah se-Provinsi Jawa Tengah berkonsep Value for Money (Rasio Ekonomi, Efisiensi, dan Efektivitas) saat COVID 19.

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Andani, M., Sarwani, S., & Respati, N. W. (2019). Pengaruh Karakteristik Pemerintah Daerah Dan Opini Audit Terhadap Kinerja Pemerintah Provinsi Di Indonesia. Jurnal Akuntansi, 9(2), 111–130. https://doi.org/10.33369/j.akuntansi.9.2.111-130

Ditasari, R. A., & Sudrajat, M. A. (2020). Pengaruh Opini Audit dan Temuan Audit BPK terhadap Kinerja Pemerintah Daerah pada Kabupaten/Kota di Provinsi Jawa Timur. Inventory: Jurnal Akuntansi, 4(2), 104. https://doi.org/10.25273/inventory.v4i2.7668

Elda, N., Sulistyo, & Dianawati, E. (2021). Pengaruh Pengawasan Keuangan Dan Penyajian Laporan Keuangan Terhadap Kinerja Pemerintah Berkonsep Value for Money Pada Pemerintah Kota Malang. Jurnal Riset Mahasiswa Akuntansi, 9(1), 1–8. https://doi.org/10.21067/jrma.v9i1.5470

Mappiasse, A. L. (2018). Pengaruh Karakteristik Pemerintah Daerah dan Hasil Pemeriksaan Audit BPK Terhadap Kinerja Keuangan. Bongaya Journal for Research in Accounting (BJRA), 1(2), 51–55. https://doi.org/10.37888/bjra.v1i2.86

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Mengukur Peran Pembiayaan Bermasalah Bank Umum Syariah Dalam Upaya Meningkatkan Profitabilitasnya Di Situasi Pandemic Covid-19

M Moegiri, Rini Hidayah, Tutut Dwi Andayani, Yohani Yohani — Wed, 03 Jul 2024 00:00:00 +0000

This study aims to determine whether there is an effect of Musyarakah Financing, Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) on the Profitability of Islamic Commercial Banks after moderating the Financing to Deposit Ratio (FDR) sourced from www.ojk.go.id from 2020-2022 with a sample of 11 (eleven) Islamic commercial banks. The data management of this study used IBM SPPS 26 to test the hypothesis using the t test and MRA Analysis (Moderated Regression Analysis). The results of this study indicate that musyarakah financing has a negative effect on Return on Assets (ROA), while CAR and FDR have no effect on profitability (ROA) at Islamic Commercial Banks before being moderated. After the MRA analysis test was conducted, it was found that NPF was unable to moderate the effect of musyarakah financing on ROA, NPF was able to moderate the effect of CAR on ROA, and NPF was unable to moderate the effect of FDR on ROA. While the results of the simultaneous test state that musyarakah financing, CAR, FDR with or without NPF moderation jointly affect the profitability (ROA) of Islamic commercial banks.

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Moegiri, M, Tutut Dwi Andayani, and S Saebeni. 2022. “ANALISIS KOMPARATIF SEBELUM DAN SAAT PANDEMI COVID 19 BANK UMUM SYARIAH.” Neraca 18(1): 1–12.

Nur’aini Ihsan, Dwi. 2013. Analisis Laporan Keuangan Perbankan Syariah. Jakarta: UIN jakarta Press.

Pritadyana, Mella, Nik Amah, and Maya Novitasari. 2019. “PENGARUH FDR DAN NIM TERHADAP ROE DENGAN NPF SEBAGAI VARIABEL MODERASI.”

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Yulyani, Evita, and Nana Diana. 2021. “Pengaruh CAR Dan FDR Terhadap Pembiayaan Murabahah Dengan NPF Sebagai Variabel Moderating.” Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah 7(1): 21.

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Eksplorasi Persepsi Pengguna Terhadap Ketersediaan Layanan Pelanggan E-Wallet

Khoirul Fatah Fatah, Herna Rizaldi — Wed, 03 Jul 2024 00:00:00 +0000

This research aims to explore and understand in depth users' perceptions of the availability of customer service in the context of using digital wallets (e-wallets). The main focus is to analyze how users interpret and evaluate the availability of e-wallet customer service, as well as the extent to which these factors influence the overall usage experience. The methods used include data collection through surveys, where respondents will be asked to share their experiences regarding the availability of customer service from the e-wallets they use. Data analysis will be carried out to identify patterns, trends and critical aspects that influence user perceptions about the availability of e-wallet customer service. It is hoped that the results of this research will provide deeper insight into how the availability of customer service can influence e-wallet use, as well as provide a basis for service providers to improve the user experience by better understanding user needs and expectations in terms of customer service.

REFERENSI

Alam, M. M., Awawdeh, A. E., & Muhamad, A. I. Bin. (2021). Using e-wallet for business process development: challenges and prospects in Malaysia. Business Process Management Journal, 27(4), 1142–1162. https://doi.org/10.1108/BPMJ-11-2020-0528

Biduri, S., Hariyanto, W., Loekitasari, S., & Irma Suryani, A. (2021). Apakah Pendekatan Technology Acceptance Model (TAM) Berpengaruh Terhadap Intention To Use E-Money? In Jurnal Akuntansi Integratif (Vol. 7, Issue 1).

Daragmeh, A., Sági, J., & Zéman, Z. (2021). Continuous intention to use e-wallet in the context of the covid-19 pandemic: Integrating the health belief model (hbm) and technology continuous theory (tct). Journal of Open Innovation: Technology, Market, and Complexity, 7(2). https://doi.org/10.3390/joitmc7020132

Esawe, A. T. (2022). Understanding mobile e-wallet consumers’ intentions and user behavior. Spanish Journal of Marketing - ESIC, 26(3), 363–384. https://doi.org/10.1108/SJME-05-2022-0105

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Intarot, P. (2018). Influencing Factor in E-Wallet Acceptant and Use. International Journal of Business and Administrative Studies, 4(4), 167–175. https://doi.org/10.20469/ijbas.4.10004-4

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Karim, M. W. et all. (2020). Factors Influencing the Use of E-wallet as a Payment Method among Malaysian Young Adults. Journal of International Business and Management, 3(2), 1–11. https://doi.org/10.37227/jibm-2020-2-21/

Prakosa, A., & Jati Wintaka, D. (2020). Analisis Faktor-Faktor Yang Mempengaruhi Minat Penggunaan Ulang E-Wallet Pada Generasi Milenial Di Daerah Istimewa Yogyakarta (Vol. 3, Issue 1).

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Wulandari, I. R., & Sumadi, S. (2020). Analysis of Behavior Using E-money With A TAM Approach (Technology Acceptance Model). Manajemen Bisnis, 10(1), 24. https://doi.org/10.22219/jmb.v10i1.10861

Analisis Dampak Penggunaan Pinjaman Online Terhadap Minat Dan Gaya Hidup Konsumtif Masyarakat

Astrid Putrilia, Nur Fajrin Muharomah, Yuniarti Kusumah Safitri, Ahmad Wahyu — Wed, 03 Jul 2024 00:00:00 +0000

The purpose of this research is to identify and study the use of online loan applications that have an impact on people’s interest and comsumtive behavior. This research was conducted through a qualitative approach method or using questionnaires and the number of respondents was only 48 people (exceeding the maximum limit of 30). Online loans are platforms that offer loans or installment payments over the internet without undergoing complicated procedures, helping people who will borrow for needs or just want something online but do not have sufficient funds to do so. The availability of online loans certainly has a positive and negative impact on people’s behavior because it attacts people’s interest. Therefore, the purpose of this study is to analyze how the impact of using online loans in influencing comsumtive lifestyle habits.

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Kusnawan, A., Silaswara, D, Andy, & Sefung, T. (2019). Pengaruh Diskon Pada Aplikasi e-Wallet Terhadap Pertumbuhan Minat Pembelian Impulsif Konsumen Milenial di Wilayah Tangerang. Jurnal Sains Manajemen, 5 No 2 , 137-160.

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