Movere Journal

Pengaruh Capital Adequacy Ratio, Non Perfirming Loan, Dan Loan To Deposit Ratio Terhadap Return On Asset

Andi Azis, Syamsul Ridjal, Yana Fajriah — Tue, 30 Jul 2024 00:00:00 +0000

Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan, (NPL) Dan Loan To Deposit Ratio (LDR) Terhadap Return On Asset (ROA) (Studi Pada Bank BUMN Yang Terdaftar Di Bursa Efek Indonesia). (dibimbing oleh Syamsul Ridjal dan Yana Fajriah). Penelitian ini bertujuan untuk menguji dan menganalisis Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan, (NPL) Dan Loan To Deposit Ratio (LDR) Terhadap Return On Asset (ROA) pada perusahaan perbankan BUMN yang terdaftar di bursa efek Indonesia. pengumpulan data menggunakan data sekunder yang diperoleh dari laporan keuangan publikasi yang diterbitkan oleh bursa efek indonesia dengan menggunakan teknik purposive sampling. populasinya adalah laporan keuangan perusahaan sektor perbankan BUMN tahun 2014-2023. hasil penelitian tersebut telah diuji asumsi klasik berupa asumsi normalitas, autokolerasi, multikolineritas, heteroskedastisitas dan linearitas. metode analisis menggunakan teknik regresi linear berganda. Hasil penelitian menunjukkan bahwa hipotesis pertama diterima karena CAR positif dan signifikan terhadap ROA, disisi lain hipotesis kedua ditolak karena NPL menunjukkan hasil uji hipotesis negatif dan tidak signifikan terhadap ROA. Serta LDR menunjukkan hasil uji hipotesis positif dan signifikan terhadap ROA.

Strategi Pemberdayaan Sumber Daya Manusia Melalui Pendekatan Learning Organization di Kantor BKPSDM Kabupaten Penajam Paser Utara.

St Rukaiyah, Peri Tangdirerung, Muliyadi Hamid — Tue, 30 Jul 2024 00:00:00 +0000

This research aims to determine and analyze the Human Resource Empowerment Strategy through the Learning Organization Approach at the BKPSDM Office, North Penajam Paser Regency. The research method used was descriptive qualitative, with six informants as the researcher's primary data source. The research results show that the Strategy for Empowering Human Resources for Apparatus through a Learning Organization Approach at the North Penajam Paser Regency BKPSDM Office from the job training aspect is still not optimal due to budget factors, a discussion forum is needed in formulating policies, non-financial rewards and an adaptive work environment are important in optimizing the learning organization, as well as regular evaluation.

Manajemen Dana Bantuan Operasional Sekolah (BOS) Dalam Perspektif Peningkatan Mutu Sekolah

Sugeng Hermanto, Muliyadi Hamid, St Rukaiyah — Tue, 30 Jul 2024 00:00:00 +0000

This study aims to determine and analyze the Management of School Operational Assistance Funds (BOS) in the Perspective of School Quality Improvement (Case Study of School Operational Funds at SMP Negeri 3 Penajam Paser Utara). The research method used is qualitative descriptive with data collection through interviews, observation and documentation. Data analysis using field research. The results showed that the School Operational Assistance Budget (BOS) at SMP Negeri 3 Penajam Paser Utara has increased every year in accordance with the number of new student admissions at the school which has increased, this is in accordance with the Minister of Education and Culture Regulation No. 63 of 2023 concerning BOS juknis. In addition, there is self-help assistance from parents or guardians of students, the community, the business world in managing BOS funds and the management and use of BOS funds at SMP Negeri 3 Penajam Paser Utara is in accordance with the juknis.

Faktor-Faktor Yang Mempengaruhi Minat Generasi Millenial Menggunakan Qris BNI Mobile Sebagai Metode Pembayaran

Kartanegara Salam, Amin Hamdat, Mardianah Mardianah, Nur Alam, Ajelin Ajelin — Tue, 30 Jul 2024 00:00:00 +0000

The purpose of this study was to determine the factors that influence the interest of millennials in using qris PT Bank Negara Indonesia (Persero) tbk as a payment method (case study of PT Bank Negara Indonesia (Persero), Tbk Mattoangin branch). The analysis method used is quantitative descriptive analysis using multiple regression analysis using SPSS 25 for windows. The results of the analysis show that security has a positive and insignificant effect on the desire to use QRIS. Ease has a positive and significant effect on the desire to use QRIS. And the benefits have a positive and significant effect on the desire to use QRIS

Pengaruh Persepsi Kemanfaatan, Persepsi Kemudahan, Persepsi Kepercayaan Dan Persepsi Risiko Terhadap Minat Mahasiswa Dalam Penggunaan Internet Banking Pada PT Bank BNI KCU Mattoangin Makassar

M. Fahrul Husni, Maryam Nurdin, Nuraeni Saeni, Budhi Krisnanto, Elsa Mayuri HS — Tue, 30 Jul 2024 00:00:00 +0000

This study aims to determine the effect of perceived usefulness, perceived ease of use, perceived trust and perceived risk on student interest in PT Bank Negara Indonesia (Persero) Tbk. KCU Mattoangin Makassar. The analysis method used in this research is quantitative descriptive analysis method. The analytical tool used is multiple linear regression with the IBM SPSS Version 25.0 tool. From the proposed hypothesis test, the partial test research results show a positive and significant value for perceived usefulness, perceived convenience, perceived trust that it affects student interest in using mobile banking while perceived risk shows a negative and significant value. Simultaneously, the effect of perceived benefits, perceived convenience, perceived trust and perceived risk has a significant effect on customer interest and the R square value of 0.388 or 38.8% of the independent variable explains the dependent variable.

Faktor-Faktor Yang Mempengaruhi Kepercayaan Nasabah Menabung Pada BNI KCP Panakkukang Mas Makassar

Tue, 30 Jul 2024 00:00:00 +0000

This study aims to analyze what factors influence customer confidence in saving at Bank BNI Panakkukang Mas Makassar by distributing questionnaires to customers of Bank BNI Panakkukang Mas Makassar. The analysis method used is Mean analysis by looking at the resulting average value. In this study, researchers distributed questionnaires to samples and the results were processed using the help of the SPSS 22 program. The results of the mean analysis show that reliability and care are more dominant in influencing customer confidence in saving at Bank BNI Panakkukang Mas Makassar where it can be seen from the mean value of reliability of 4.25 and care of 4.25 while for honesty of 4.24 and credibility of 4.22.

pengaruh Pengaruh Budaya Organisasi Dan Komunikasi Organisasi Terhadap Kinerja Guru Di SD Negeri 11 Kecamatan Rantau Utara Kabupaten Labuhan Batu

Vitri Dea Rizki, Wan Dian Safina, Toni Hidayat, Rukmini Rukmini — Tue, 30 Jul 2024 00:00:00 +0000

It turns out that organizational culture has a strong influence on teacher performance, while organizational communication has a weaker influence on teacher performance. This was revealed from the results of research conducted on 33 elementary school teachers at SD Negeri 11, Rantau Utara District, Labuhan Batu Regency. The results of multiple regression analysis via SPSS 24 output show the linear regression equation Y= 0.091+0.828X1+0.360X2 meaning that if there is an effort to increase 1 (one) unit then teacher performance will increase by 0.828, likewise organizational communication will increase teacher performance by 0.360. Next, the hypothesis using the t-test via SPSS 24 output shows that tsig 0.000 < 0.1, which means Ha is accepted. Likewise, the F-test shows that Fsig 0.000 < 0.1. Considering that organizational communication has a smaller influence than organizational culture, it is recommended to strengthen organizational communication in elementary schools, through the provision of bookshelves displaying educational magazines such as educational nimbar, educational selecta, testing magazines, etc. To be a reference for teachers.

Hedonisme Dan Kecerdasan Spiritual: Bagaimana Perannya Terhadap Perilaku Keuangan Mahasiswa?

Tue, 30 Jul 2024 00:00:00 +0000

Positive student financial behavior can increase their prosperity economically. The purpose of this study was to look at the role of students' financial behavior forming such as hedonism and spiritual intelligence. This study uses quantitative methods, with an analysis instrument in the form of multiple linear regression analyzed using SPSS 26. The number of respondents in this study was 94 students of the Faculty of Economics & Business, Widya Mandira Catholic University. The results of this study indicate that hedonism and spiritual intelligence have a significant significant positive and simultaneous significant effect on the financial behavior of students.

Pengaruh Jenis Produk Cetakan, Harga Dan Kualitas Pelayanan Terhadap Keputusan Pembelian Pada Percetakan CV Citra Jalan Sisingamangaraja No 33 Medan Amplas

Ridho Mukti, Muhammad Rahmat, WA Dian Safina, Tukimin Lubis, Tukimin Lubis — Tue, 30 Jul 2024 00:00:00 +0000

This study aims to reveal the effect of product type, price, and service quality on purchasing decisions at CV Citra printing. As objectives include to determine the effect of product type on purchasing decisions, to determine the effect of price on purchasing decisions, and to determine the effect of service quality on purchasing decisions. This study uses a descriptive quantitative approach with questionnaire data collection methods, interviews, and documentation. The population in this study are consumers of CV Citra and the sample as respondents of this study will be taken using probability sampling with the lemeshow formula, namely 80 consumers who were met during the research. The results of this study indicate that the calculated F value of 303.761 is greater than the F table of 2.49, which means that simultaneously there is an influence on the type of product (X1), price (X2), and service quality (X3) on purchasing decisions at CV Citra printing. Partially, it can be seen that only the variables of product type (X1) and price (X2) have an effect on purchasing decisions, namely the variable type of product (X1) of 3.546 is greater than the t table of 1.665 and service quality (X3) of 6.702 is greater than the t table of 1.665, while for the price variable (X2) of -1.163 is smaller than the t table of 1.665 which indicates that the price variable (X2) has no effect on purchasing decisions. Based on the results seen from the coefficient of determination, the variable product type (X1), price (X2), and service quality (X3) have an effect, namely with an R2 value of 0.923 or 92.3%.

Keywords: Type of Product, Price, Services Quality, Purchasing Decisions

Pengaruh Pengguna Influencer Marketing Dan Promosi Diskon Terhadap Keputusan Pembelian Secara Online Di Marketplace Shopee

Joshua Junior, Toni Hidayat, Wan Dian Safina, Tukimin Lubis — Tue, 30 Jul 2024 00:00:00 +0000

This research aims to find out and analyze the influence of influencer marketing and discount promotions on purchasing decisions in the Shopee marketplace in the people of Jalan Garu II B Harjosari 1, Medan Amplas District. This research uses a descriptive quantitative approach with data collection methods of observation, questionnaires and interviews. The population in this study is the people of Jalan Garu II B Harjosari I, Medan Amplas District and the sample as respondents for this study will be taken using side purposive use with the Slovin formula, namely 100 people met during the research. The data obtained in this research was analyzed using multiple linear regression analysis with the SPSS 22 program. The results of this research show that the calculated F value of 372.095 is greater than the F table of 3.09, which means that simultaneously there is an influence on influencer marketing (X₁) and discount promotions (X₂) on online purchasing decisions on the Shopee marketplace. Partially, it can be seen that only the influencer marketing (X₁) and discount promotion (X₂) variables influence purchasing decisions, namely the influencer marketing variable (X₁) of 7.686 is greater than the t table of 1.660 and the discount promotion (X₂) is 2.982 greater. from the t table of 1.660. Based on the results seen from the coefficient of determination of the influencer marketing variable (X₁) and discount promotions (X₂), the influence is with an R2 value of 0.885 or 88.5%.

Pengaruh Brand Awarenes Dan Online Customer Review Terhadap Keputusan Pembelian Pada Market Place Shopee Studi Kasus Pada Masyarakat Dusun III Batang Kuis Deli Serdang

Ferdi Salim Nasution, Indra Utama, Toni Hidayat, Horia Siregar, Wan Dian Safina — Tue, 30 Jul 2024 00:00:00 +0000

Using the Shopee marketplace, this research tries to ascertain how brand awarenes and online customer reviews influence purchasing decisions in consumers in Dusun III Batang Kuis Deli Serdang. This study uses quantitative descriptive methodology and collects data through questionnaires, interviews, and observations. The population targeted by this study is everyone who uses the Shopee application, especially those who live in Dusun III Batang Kuis Deli Serdang. Respondents of this study will be selected using non-probability sampling and using the Slovin theory, namely 100 samples encountered during the research. Using the SPSS 22 application, multiple linear regression analysis was used to test the data collected for this study. The results of this study indicate that the calculated F value of 298,258 is greater than the F table of 3.09, which means that simultaneously there is an influence on the variables brand awareness (X1) and online costumer review (X2) on purchasing decisions (Y) in the shopee marketplace. Partially, it can be seen that the variables brand awareness (X1) and online costumer review (X2) have an effect on purchasing decisions, namely the brand awareness variable (X1) of 3.966 is greater than the t table of 1.660 and online costumer review (X2) of 4.714 is greater than the t table of 1.660. Based on the results seen from the coefficient of determination, the variables brand awareness (X1) and online costumer review (X2) have an effect with an R2 value of 0.860 or 8.60%.

Intervensi Strategi Pemasaran Dalam Keputusan Pembelian Produk Kosmetik

Abdul Gafar, M Fahrul Husni — Tue, 30 Jul 2024 00:00:00 +0000

This study aims to analyze the influence of product quality and buying interest on the purchase decision of cosmetic products. Using a quantitative methodology, data is collected through surveys filled out by consumers of cosmetic products. Data analysis was carried out using statistical techniques to test two main hypotheses: first, that product quality has a positive and significant effect on purchasing decisions; Second, buying interest also has a positive and significant influence. The study results show that both variables, product quality and buying interest, significantly influence purchasing decisions. Product quality is an important factor influencing consumer perception and purchasing decisions. Meanwhile, buying interest, which is influenced by factors such as brand awareness and marketing, also plays an important role in driving purchasing decisions. Based on the results of this study, it is recommended that companies in the cosmetics industry focus their efforts on improving product quality and adopt effective marketing strategies to increase buying interest. This strategy must include product innovations that suit the needs and preferences of current consumers and the use of digital technology in marketing to attract and retain consumers. The conclusion of this study provides important insights for cosmetics industry players in developing effective business strategies to increase sales and customer loyalty

Peran BMT Dalam Upaya Pemberdayaan UMKM: Ditinjau Dari Perspektif Ekonomi Syariah

Risma Banibas, Andi Sudirman, Fauziah Fauziah — Tue, 30 Jul 2024 00:00:00 +0000

Baitul Mal wa al-Tamwil (BMT) is a legal entity financial institution that carries out its operations in accordance with sharia principles. Apart from operating in the financing sector, BMT also operates in the savings and investment sector with a profit sharing pattern. BMT generally adheres to the principles of faith and devotion to Allah SWT. This is clear because BMT is a cooperative based on Islamic teachings. The function of this institution is to support the improvement of the economic efforts of micro and small entrepreneurs based on the sharia system. Therefore, BMT is used by its members as a household tool to overcome the problem of lack of liquidity or lack of capital independently. So this reciprocal relationship creates benefits for its members, especially for micro, small and medium enterprises

Pengendalian Persediaan Bahan Baku Menggunakan Metode Economic Order Quantity (EOQ) Pada Home Industry Tahu Di Aceh Tamiang

Safrizal Safrizal, Fadhilah Fadhilah, Maulana Rahman — Tue, 30 Jul 2024 00:00:00 +0000

Inventory management of raw materials is a significant form of control that profoundly influences the production process. Surplus or shortage of raw materials can potentially hinder production processes. One of the methods used in analyzing raw material inventory is the Economic Order Quantity (EOQ) method in tofu home industries in Aceh Tamiang. The EOQ method is employed to optimize the order quantity and inventory costs, considering holding and ordering costs. This research also analyzes safety stock, reorder point, total inventory cost, and just-in-time principles applied to produce goods according to consumer demand. The results of this study indicate that in 2023, the tofu home industry made raw material purchases when inventory levels reached a point of 515.45 kg. The company's lead time for raw material ordering is 2 days, with a calculated safety stock of soybeans amounting to 219.45 kg. Significant cost savings were achieved, as evidenced by a total cost calculation of Rp. 556,866, which is much lower than the total inventory cost of Rp. 1,716,880. By implementing EOQ, tofu home industries can enhance operational efficiency and optimize resource utilization. The practical implication of this research is that the use of the EOQ method can contribute to improving profitability and sustaining tofu home industries in Aceh Tamiang.

Pengaruh Kebijakan Kompensasi dan Pengembangan Karir Terhadap Retensi Karyawan Generasi Z

Via Lailatur Rizki, Novy Fitria, Fauzan Muttaqien — Tue, 30 Jul 2024 00:00:00 +0000

This study aims to analyze the influence of compensation policies and career development on the retention of Generation Z employees. Generation Z, born between 1995 and 2010, has unique characteristics in terms of work preferences and motivation. This research employs a quantitative method by distributing questionnaires to 257 Generation Z employees in various companies in Indonesia. The obtained data were analyzed using multiple linear regression. The analysis results show that compensation policies (β = 0.35, p < 0.01) and career development (β = 0.42, p < 0.01) significantly influence Generation Z employee retention. Fair and competitive compensation policies and clear, structured career development programs have been proven to increase employees' desire to stay with the company. The Adjusted R-squared value of 0.58 indicates that this model explains 58% of the variation in employee retention. This study provides practical implications for company management in designing compensation policy and career development strategies to enhance employee retention, especially among Generation Z.

Kunjungan Wisatawan Dan Dampaknya Terhadap Pengangguran Terbuka Dan Pengentasan Kemiskinan

Sayekti Suindyah Dwiningwarni, Suyanto Suyanto; Syamsiyah Yuli Dwi Andari — Tue, 30 Jul 2024 00:00:00 +0000

In Jombang Regency, the tourism sector is a new source of Regional Income (PAD), because in Jombang there are no Regional Regulations relating to tourism. So far, the management of the tourism sector is still haphazard, but the tourism sector has contributed to PAD. Apart from that, the tourism sector also contributes to reducing the number of poverty and alleviating poverty. However, during this pandemic, the contribution of the tourism sector to reducing poverty and alleviating poverty is very low, this is because many tourism sector businesses have been affected by the pandemic. Therefore, this research aims to analyze the impact of tourist visits on open unemployment and poverty alleviation. This research uses PATH Trimming model analysis with Natural Logarithmic Time Series data. The research results show that the results of sub-structure test 1 state that the results of testing hypothesis 1, which states that there is a negative and significant influence between the independent variable (X) on the endogenous (intervening) variable, are accepted. The results of testing sub structure 2 stated that the results of testing hypothesis 2, which stated that there was a positive and significant influence between the independent variable (X) on the endogenous (dependent) variable, were accepted. The results of hypothesis test 3, which stated that there was no negative and significant influence between the endogenous (intervening) variables Y₁, Y₂ and Y₃ on the endogenous (dependent) variable Z₁, were rejected. The results of sub-structure test 3 state that the results of hypothesis test 4 which states that there is a negative and significant influence between the independent variable (X) on the endogenous (dependent) variable Z₂, are accepted. The results of hypothesis testing 5, stating that there is no negative and significant influence between the endogenous (dependent) variable Z₁ on the endogenous (dependent) variable Z₂, are rejected.

Pengaruh Harga Promosi Dan Lokasi Terhadap Keputusan Pembelian Pada Gerai Indomaret Mandai Maros

Andi Agung Pawawoi, Andi Hendra Syam, Ihsan Guntur — Tue, 30 Jul 2024 00:00:00 +0000

This research aims to analyze the influence of price, location and promotion on purchasing decisions. The data used in this research is primary data collected from the results of distributing questionnaires to 60 consumers at Indomaret Mandai Maros. With a sampling technique using the Convenience Sampling technique. The data processing method uses multiple linear regression methods. Findings the research is found that price has a significant effect on purchasing decisions, location has a significant effect on purchasing decisions, promotion has a significant effect on purchasing decisions. As well as simultaneous testing of all price, location and promotion variables have a significant effect on purchasing decisions.

Keyword : Purchasing Decisions, Price, Place and Promotion

Implikasi Pendapatan Terhadap Kesejahteraan Keluarga Dengan Pengelolan Keuangan Sebagai Variabel Intervening Di Kelurahan Tonasa Kabupaten Pangkep

Tue, 30 Jul 2024 00:00:00 +0000

This study aims to determine the effect of income on family welfare through financial management as an intervening variable in Tonasa Village, Pangkep Regency. This type of research is quantitative using a questionnaire to 90 respondents. Data collection techniques are library research and field research. Data are processed using path analysis, correlation coefficient, determination coefficient, t-test, and sobel test using SPSS 25.0. The results of the first study showed that there was a positive and significant effect of income on family welfare. The results of the second study showed that there was no effect of income on financial management. The results of the third study showed that there was no effect of financial management on family welfare. Furthermore, the results of the fourth study showed that financial management was not able to be an intervening variable between income and family welfare.

Pengaruh Harga terhadap Minat Beli Konsumen dengan Gratis Ongkos Kirim sebagai Variabel Intervening pada Aplikasi Shopee (Studi pada Mahasiswa Fakultas Ekonomi Universitas Sulawesi Barat)

Purnama Sari S, Enny Radjab, Sumarsih Sumarsih — Tue, 30 Jul 2024 00:00:00 +0000

This research aims to determine the effect of price on consumer buying interest with free shipping as an intervening variable in the Shopee application. This type of research is quantitative. The location of this research is at the economics faculty of the University of West Sulawesi. The population in this study were consumers who made purchases on the Shopee application at the Faculty of Economics, West Sulawesi University, so in determining the sample for this study the Hair formula was used. The number of respondents obtained was 60. Data analysis was carried out using the SmartPLS 3.2.9 statistical method. The results of this research show that price has a significant effect on consumer buying interest, Price has a significant effect on free shipping, Free shipping has a significant effect on consumer buying interest and Price does not have a significant effect on consumer buying interest through free shipping.

PERAN MEDIASI ADOPSI MEDIA SOSIAL TERHADAP KINERJA INDUSTRI KREATIF DI KOTA MAKASSAR

Yusrianti Yusrianti, Nur Aisyah, Ratna Sari, arman kamal — Thu, 22 Aug 2024 00:00:00 +0000

Penelitian ini bertujuan untuk menguji peran mediasi adopsi media sosial pada hubungan antara variabel TOE (technological-organizational-environmental) terhadap kinerja industri kreatif yang dikelola wirausaha generasi Z. Survei dilakukan terhadap pelaku industri kreatif dengan berbagai macam usaha seperti busana fashion, musik, animasi video, kuliner di Kota Makassar provinsi Sulawesi Selatan. Data dikumpulkan dari 100 responden dengan menggunakan simple random sampling. Metode analisis menggunakan eksplanatori dengan alat analisis SEM-PLS. Hasil penelitian menunjukkan bahwa karakteristik teknologi dan lingkungan berpengaruh positif terhadap adopsi media sosial dan kinerja industri kreatif. Namun karakteristik organisasi tidak berpengaruh terhadap adopsi media sosial dan kinerja industri kreatif. Adopsi media sosial mampu memediasi pengaruh karakteristik teknologi dan karakteristik lingkungan terhadap kinerja industri kreatif.