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The Influence of Public Literacy Level, Brand Image, and Service Quality on Customer Satisfaction in Life Insurance Products: A Case Study of the PT Prudential Prestasi Agency Binjai Irawan, Deni; Nasution, Juliana; Syahriza, Rahmi
Electronic Journal of Education, Social Economics and Technology Vol 6, No 2 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i2.1148

Abstract

This study will look at how public literacy, brand image, and service quality affect customer satisfaction at PT Prudential Prestasi Agency Binjai. A quantitative method was used, with 60 respondents completing surveys and evaluating the data using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS software.  The findings demonstrate that public literacy and service quality have a favorable and considerable impact on consumer satisfaction, whereas brand image has no meaningful influence.These findings show that financial awareness and service experience are more important in determining happiness than brand impression alone. The practical implication emphasizes the need to enhance financial education and optimize customer service quality to strengthen loyalty and improve overall satisfaction within the insurance industry.
Pengaruh Brand Trust dan Brand Image terhadap Loyalitas Nasabah dalam Menggunakan Asuransi Jiwa pada Ajb Bumiputera 1912 Medan Hayani, Nur Syamsidah; Rahma, Tri Inda Fadhila; Nasution, Juliana
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i3.634

Abstract

The high growth of service companies in Indonesia encourages companies to attract the hearts of their customers in order to become loyal customers of the company's products, one of the service companies that continues to grow in Indonesia is a service company in the insurance sector. Where life insurance is now seen as important and necessary in everyday life. One alternative approach that is widely used by companies is to create brand trust and the company's brand image to gain customer loyalty. This study aims to determine the effect of brand trust and brand image partially or simultaneously on customer loyalty in using life insurance at Ajb Bumiputera 1912 Medan. The method used in this study uses a quantitative method by taking 89 respondents from selected customers as research samples through probability sampling technique with calculations using the slovin formula. The questionnaire uses hypothesis testing with SPSS version 25 software and uses linear data using multiple linear regression analysis methods. The results of this study simultaneously from the variable brand trust (X1) and brand image (X2) have a positive and significant effect on customer loyalty. And partially the variables brand trust (X1) and brand image (X2) also have a positive and significant effect on customer loyalty in using life insurance. Keywords : Brand Trust, Brand Image, Customer Loyalty, Life Insurance.
ANALISIS AKUNTABILITAS BELANJA HIBAH PADA PEMERINTAH PROVINSI SUMATERA UTARA Barus, Khairani Br; Nasution, Juliana
Bilancia : Jurnal Ilmiah Akuntansi Vol 6 No 4 (2022): Bilancia : Jurnal Ilmiah Akuntansi
Publisher : Institut Bisnis dan Teknologi Pelita Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35145/bilancia.v6i4.2087

Abstract

ABSTRACT This study aims to analyze the accountability of grant spending to the Provincial Government of North Sumatra. This research is a qualitative research with an exploratory approach. The data used in this study were obtained by interviewing and documentation studies. It was concluded that from the six grant expenditure management processes, there is a process that every year experiences an obstacle, namely the reporting and accountability processes. These obstacles are (1) compliance, (2) the implementation of grant spending which takes a long time because it has to go through several stages, (3) the competence of human resources in the accountability and reporting process. Then communication and information must run well between the grant management and the grant recipients to achieve better accountability for grant spending. Socialization related to grant spending regulations also needs to be improved. Various efforts have been made to create accountability for grant spending in North Sumatra Province, among others, by providing the required report formats to make it easier for grantees and simplify the audit process. Keywords: Accountability, Grant Spending, Provincial Government ABSTRAK Penelitian ini bertujuan untuk menganalisa akuntabilitas belanja hibah pada Pemerintah Provinsi Sumatera Utara. Penelitian ini merupakan penelitian kualitatif dengan pendekatan eksploratif. Data yang digunakan dalam penelitian ini diperoleh dengan teknik wawancara dan studi dokumentasi disimpulkan dari keenam proses pengelolaan belanja hibah, terdapat proses yang setiap tahun mengalami sebuah kendala yaitu proses pelaporan dan pertanggungjawaban. Kendala-kendala tersebut adalah (1) kepatuhan, (2) pelaksanaan belanja hibah yang memerlukan waktu yang lama karena harus melewati beberapa tahapan, (3) kompetensi sumber daya manusia dalam proses pertanggungjawaban dan pelaporan. Kemudian komunikasi dan informasi harus berjalan dengan baik antara pihak pengelola hibah dengan pihak penerima hibah untuk mewujudkan akuntabilitas belanja hibah yang lebih baik. Sosialisasi terkait peraturan-peraturan belanja hibah juga perlu untuk ditingkatkan. Berbagai upaya telah dilakukan untuk menciptakan akuntabilitas belanja hibah pada Provinsi Sumatera Utara antara lain yaitu menyediakan format-format laporan yang dibutuhkan untuk mempermudah para penerima hibah dan mempermudah proses pemeriksaan. Kata Kunci: Akuntabilitas, Belanja Hibah, Pemerintah Provinsi
Analysis of Micro, Small, And Medium Enterprises (MSMEs) Development Strategies With An Islamic Business Approach Ethics in Increasing Business Income Siregar, Nurhasanah; Muhammad Yafiz; Nasution, Juliana
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6383

Abstract

Introduction: This study investigates the development strategy of Micro, Small, and Medium Enterprises (MSMEs) at RnD Snack Labuhanbatu Selatan through the perspective of Islamic business ethics. The research aims to explore how Islamic ethical values are integrated into business development to support sustainability and competitiveness. Methods: This research employs a qualitative descriptive approach by conducting in-depth interviews with business owners, employees, and three customers, as well as direct observation of operational activities. The data were analyzed using a combination of business strategy theory, Islamic business ethics principles, and the SWOT analysis framework. Results: The findings indicate that RnD Snack implements business strategies such as improving product quality, innovating menu options, enhancing customer service, promoting through social media, expanding market reach, and applying the Islamic marketing mix. All these strategies are aligned with Islamic ethical principles, including honesty, transparency, fairness, and generosity. Conclusion and suggestion: This study concludes that integrating Islamic business ethics into MSME development strategies contributes positively to sustainability and long-term performance. It is suggested that other similar businesses adopt ethical practices based on Islamic teachings to build customer trust and improve competitiveness.
Factors Affecting the Compliance of Motor Vehicle Taxpayers in Medan City Hanin, Haya Fadiyah; Nasution, Juliana; Nasution, Yenni Samri Juliati
Eduvest - Journal of Universal Studies Vol. 4 No. 8 (2024): Journal Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v4i8.1668

Abstract

This research is to determine the factors that influence taxpayer compliance in paying taxes. The variables are the tax whitening program, mobile Samsat service, drive thru Samsat service, and e-Samsat program as independent variables and taxpayer compliance as the dependent variable. The population in this study were all taxpayers registered with SAMSAT Medan City, totaling 2,724,585 motorized vehicles with a sample of 100 people. This research uses a questionnaire as a research instrument, prepared using a Likert scale and then analyzed using a multiple regression process with SPSS. The results obtained are that the tax whitening program and mobile Samsat services have no effect on taxpayer compliance. Meanwhile, the Samsat drive thru and e-Samsat programs have a significant positive effect on taxpayer compliance. This research is expected to increase insight and enrich knowledge about the factors that influence taxpayer compliance. It is also hoped that the results of this research can be used by the tax office as consideration in formulating tax policies that focus on increasing taxpayer compliance.
Analysis of the Determinants of Zakat Crowdfunding Platform Usage Lubis, Sri Nikmah Tullah; Harahap, Muhammad Ikhsan; Nasution, Juliana
Management of Zakat and Waqf Journal (MAZAWA) Vol. 7 No. 1 (2025): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2025.7.1.37-57

Abstract

This study aims to investigate the factors influencing the use of Zakat crowdfunding platforms for paying Zakat through digital applications, addressing the challenge of low public adoption of digital Zakat payment methods. A quantitative approach using Structural Equation Modeling (SEM) was employed. The sample consisted of 100 respondents drawn from the population of digital Zakat users in [sebutkan lokasi atau komunitas, misal: Indonesia]. The results indicate that convenience (X1), security (X2), and credibility (X4) have a positive and significant effect on platform usage, while transparency (X3) shows a positive but insignificant effect. Among these variables, security exhibits the strongest influence on usage, particularly through the indicator of data protection. These findings suggest that enhancing platform security could substantially increase user adoption of Zakat crowdfunding platforms
Analysis of Field Work Practice Reports for the Treasurer Section at the Medan Ministry of Social Affairs Office Kudadiri, Vingky; Nasution, Juliana
Innovative: Journal Of Social Science Research Vol. 3 No. 5 (2023): Innovative: Journal of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Tujuan ada telitian tersebut ialah  untuk melaksanakan praktek pekerjaan akan pas pada latar belakang pendidikan. Jenis telitian tersebut merupakan  penelitian observasional kualitatif dengan pendekatan deskriptif analisis. Subjek penelitian ini adalah mereka yang diminta memberikan informasi yang diperlukan berupa fakta dan opini. Subyek penelitian ini adalah uraian tentang tujuan keilmuan yang telah dikemukakan untuk memperoleh permasalahan dan data dengan tujuan dan penerapan tertentu. Objek penelitian yang akan penulis teliti bertempat di Kementerian Sosial Medan.
Peranan Pengelolaan Keuangan sebagai Pertanggungjawaban dalam Pembelanjaan Dana Desa Sesuai Standar Akuntansi Pemerintah di Desa Bah Jambi III Kecamatan Tanah Jawa Kabupaten Simalungun Khoirunisa, Afifah Aulia; Arif, Muhammad; Nasution, Juliana
ManBiz: Journal of Management and Business Vol. 3 No. 1 (2024): ManBiz: Journal of Management and Business 
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/manbiz.v3i1.599

Abstract

This study aims to identify and describe the Role of Financial Management as Accountability in Spending Village Funds According to Government Accounting Standards in Bah Jambi III Village, Tanah Jawa District, Simalungun Regency. Method The approach in this research is a qualitative approach with a descriptive research type. The data sources used are primary data obtained by interviews and direct observation and secondary data obtained from related documents. The research location is located in Bah Jambi III Village, Tanah Jawa District, Simalungun Regency. The results of this study indicate that: (1) The village financial management mechanism is regulated in Law Number 6 of 2014 concerning Villages which explains that there are 5 cycles of financial management mechanisms, namely. planning, implementation, administration, reporting, accountability. (2) While the obstacles faced by the village government are low human resource capacity, disbursement of village funds, government. (3) In Application of Government Accounting Standards No. 01 in village financial accountability. Reporting and financial accountability have not implemented Government Accounting Standards No. 01, because the Financial Report for accountability made by Bah Jambi III Village
Analisis Peran Underwriter dalam Menyeleksi Risiko pada Produk Asuransi Jiwa Syariah di Allianz Cabang Kota Padang Lasmi, Aida; Arif, Muhammad; Nasution, Juliana
ManBiz: Journal of Management and Business Vol. 2 No. 2 (2023): ManBiz: Journal of Management and Business 
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/manbiz.v2i2.614

Abstract

This study aims at the role of the underwriter in selecting in sharia life  insurance products, knowing the obstacles encountered by the underwriter in selecting the risk and the solutions applied to overcome these obstacles, and knowing the underwriting process of sharia life insurance at Allianz Padang City branch. The type of research used is descriptive research, with a qualitative approach. The conclusions of this study briefly are: (1) Underwriters have an important role in insurance companies because underwriters determine whether the insurance coverage can be accommodated by the company or not. (2) Obstacles encountered by underwriters in selecting risks are the availability of incomplete participant data, previous experience data of the insured and prospective insured not providing the desired budget and benefits, while the solution is to contact the agent concerned to obtain additional information needed by the underwriter, apply analysis to groups of prospective insurance participants as new participants, and provide standard premium rates and benefits. (3) The underwriting process begins when marketing applies for SPPA until the issuance.This study aims at the role of the underwriter in selecting in sharia life  insurance products, knowing the obstacles encountered by the underwriter in selecting the risk and the solutions applied to overcome these obstacles, and knowing the underwriting process of sharia life insurance at Allianz Padang City branch. The type of research used is descriptive research, with a qualitative approach. The conclusions of this study briefly are: (1) Underwriters have an important role in insurance companies because underwriters determine whether the insurance coverage can be accommodated by the company or not. (2) Obstacles encountered by underwriters in selecting risks are the availability of incomplete participant data, previous experience data of the insured and prospective insured not providing the desired budget and benefits, while the solution is to contact the agent concerned to obtain additional information needed by the underwriter, apply analysis to groups of prospective insurance participants as new participants, and provide standard premium rates and benefits. (3) The underwriting process begins when marketing applies for SPPA until the issuance.
Factors Affecting The Performance Of Medan Mayor's Office Employees, Financial Division Maharani, Anggun Debana; Nasution, Juliana
Widya Balina Vol. 8 No. 2 (2023): Jurnal Ilmu Pendidikan dan Ekonomi
Publisher : widya balina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53958/wb.v8i2.345

Abstract

The purpose of this study was to find out how work discipline, leadership and appreciation for the achievements of employees of the Regional Finance and Assets Section. In this study, the author employed a quantitative descriptive methodology, which means that they used numbers to describe the study's condition. Techniques for gathering data include observation, interviews, exchanging surveys with staff, and studying the literature. 25 respondents in the Office and Finance Section of the Mayor of Medan Properti region were given questionnaires by the author. A Likert scale is used to measure the variables. he goal is to quantify the independent variable's influence on the dependent variable's dependability, which is 90% ( = 0.05). Taking the test findings collectively, it can be shown that the Medan Mayor's Office of Finance and Regional Assets' employee performance is positively and significantly impacted by work discipline, supervision, and reward.
Co-Authors Afifah, Yasmin Ahmad Fadli Alfiani, Rani Almasri, Anas Zahir Amelia, Anika Andini, Indri Andri Wibowo Anggraini, Sri Dewi Aqwa Naser Daulay Arifin Fauzi Lubis Armayani, Reni Ria Asmita, Riza Ayu Atika Atika Aulia, Mahani Faiza Azhari, Farah Indah Azizah Kurinci, Ayu Ismah Barus, Khairani Br Batubara, Maryam Br. Purba, Devia Syahfitri Budi Prianto Daulay, Khairani Andini Daulay, Wilda Efrilyati Della, Della Alvionita Deni Irawan, Deni Eka Lestari Enjeli, Enjeli Fadilah, Cut Fadilah, Rahmatul Fadillatunnisa, Fadillatunnisa Fajar, Ramdanil Fakhri, Hanifah Oktaviani Fani, Meiti Fauzi Ahmad Muda Handayani, Suri Sakinah Hanin, Haya Fadiyah Harahap, Andi Hotmatua Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Harahap, Santri Fadhilah Harahap, Sri Hasibuan, Hesti Aryani Hasibuan, Mardiah Khofifah Hasibuan, Reni Ria Armayani Hasugian, Hotbin Hayani, Nur Syamsidah Heru, Muhammad Ilham Arifin Isnaini Harahap Kamil, Muhammad Raihan Khoirunisa, Afifah Aulia Kudadiri, Vingky Kurnia, Ahmad Larasati, Diah Larasati Lasmi, Aida Lubis, Annisa Zahra Lubis, Rasikah Firjatullah Lubis, Sofiana Zahara Lubis, Sri Nikmah Tullah Madinah, Futri Maharani, Anggun Debana Marliyah, Marliyah Marpaung, Dzakkiyah Addawiyah Masrida, Masrida Maulana, Rifki Maulida, Lisa Metuah, Marpirah Miliantari, Dea Muhammad Anwar Muhammad Arif Muhammad Lathief Ilhamy Nasution muhammad Syahbudi, muhammad Muhammad Yafiz Murtadla, Abdullah Alfikri Mustapa  Khamal  Rokan Nashuha Harahap, Vania Ananda Nasution, Dini Andriani Nasution, Muhammad Idris Nasution, Siska Amelia Nasution, Siti Aminah Natasya, Adelia Novia, Raisyah Arta Nurbaiti Nurbaiti Nurhalimah Sitorus Nurhasanah Siregar . Nurhayati Nurhayati Nurlaila Nurlaila Nurlaila Nursantri Yanti Nurul Inayah Nurul Jannah Nurwani Nurwani, Nurwani Pradila, Egita Pranata, Mhd Harry Putri, Siti Rahmayanti Qodriyah, Nurul Ni'mah Rahma, Tri Inda Fadhila Rahmadani, Aulia Rahmadhani, Nurianti Rahmani, Nur Ahmadi Bi Rahmi Syahriza, Rahmi Ramadhani, Sri Rokan, Mustafa Kamal Saparuddin Siregar Saputra, Muhammad Ilham Sari, Suci Indah Sartika Sartika Sastiani, Amanda Feby Sayuti, Gegoh Selaya, Asyaadatun Nazila Setia, Dela Sihite, Masdinar Silalahi, Khairul Amri Sinaga, Tari Nur Syafni Siregar, Dewi Tamora Siregar, Muhammad Rizky Siregar, Nabila Safutri Sitorus, Dahlia Safutri Br Sobari, Riski Sri Anjani Sri Maharani Sri Rizky, Dina Subandi Subandi Sugianto Sugianto Supardi Syamsul Bahri Tambak, Eli Ermawati Tanjung, Maysara Hapni Tanjung, Miftahul Jannah Triningsih, Cindy Tuti Anggraini Wahyu Syarvina YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yusrizal Yusrizal Zakia, Maulida Ummi Zhafran, Faras Abiyyu Zuhrinal M. Nawawi