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Penelitian dan Karya Ilmiah Student Research Journal Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Maslahah: Jurnal Manajemen dan Ekonomi Syariah IIJSE Neraca Manajemen, Akuntansi, dan Ekonomi Master Manajemen Journal of Islamic Economics and Finance Journal Economic Excellence Ibnu Sina Abdi Masyarakat UIKA Moneter : Jurnal Ekonomi dan Keuangan Santri : Jurnal Ekonomi dan Keuangan Islam El-Mujtama: Jurnal Pengabdian Masyarakat Impression : Jurnal Teknologi dan Informasi Realisasi: Ilmu Pendidikan, Seni Rupa dan Desain Abstrak: Jurnal Kajian Ilmu Seni, Media dan Desain Imajinasi: Jurnal Ilmu Pengetahuan, Seni, dan Teknologi Indonesian Journal of Islamic Literature and Muslim Society Taqaddum : Community Service Journal Proceeding International Conference on Islamic Economics Community Services INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Jurnal Ekonomi dan Bisnis Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran Awilaras
Dharma, Budi
Universitas Islam Negeri Sumatra Utara
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Analisis Kinerja Likuiditas Koperasi Simpan Pinjam Jaya Utama Berdasarkan Tata Kelola Kas, Piutang, Dan Modal Kerja Dharma, Budi; Viantika, Dinda Savira; Lestari, Sri
Jurnal Manajemen Akuntansi (JUMSI) Vol 2, No 3: 2022
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v2i3.3720

Abstract

This study makes use of a case study, which is research done directly to gather more precise data, and the outcomes of the research are solely related to the item under examination. To determine the effect of each variable on an individual variable, the data analysis in this study employs dynamic analysis, i.e., analyzing the ratios between accounts contained in the financial statements over multiple periods, also known as cooperative ratio analysis using liquidity ratio analysis. Good management of cash, receivables, and working capital helps maintain cooperative liquidity simultaneously. This is demonstrated by the findings of ratio analysis and the fact that each variable has a substantial effect on cooperative liquidity. In this study, the authors suggest that cooperatives continue to enhance member services and reduce the age of accounts receivable to prevent uncollectible accounts and bad debts.
Efektifitas Pemasaran Asuransi Syariah Dengan Media Sosial (Studi Kasus PT. Prudential Syariah Binjai) Monica, Aulia; Syafina, Laylan; Dharma, Budi
JEKPEND: Jurnal Ekonomi dan Pendidikan Vol 7, No 1 (2024): Januari
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jekpend.v7i1.58011

Abstract

This research aims to determine the effectiveness of the use of social media used by Prudential Syariah Binjai. The method used in this research is descriptive method. Descriptive research is a form of research that aims to describe existing phenomena, both natural and man-made. In this case, the research problem is a study that describes the effectiveness of sharia insurance marketing using social media (case study at the PT Prudential Syariah Binjai agency). Marketing is done for free on social networks, without paying, without having to open or rent an external shop. Progress and the digital era in accessing social networks have not had a big influence, so the effectiveness of sharia insurance marketing on social networks is not very effective in all commercialized social networks.
Post-Covid 19 Pandemic Online Taxi Business Relevance with an Efficiency Technical Analysis Approach dharma, budi; Marliyah
Jurnal Manajemen Sains dan Organisasi Vol. 4 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Palangka Raya

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

Abstract

Purpose - The research aims to determine the condition of the taxi dare businessafter it was disrupted by the Covid-19 pandemic.Design/methodology/approach - Research was conducted on 100 brave taxibusiness owners operating in the city of Medan and using the frontier application asan analytical tool, followed by qualitative analysis to explain the results of thetechnical efficiency analysis.Findings - The conclusion of the research is that the current business condition isnot good, this can be seen from the inefficiency of most of the business owner'sproduction operations. The main factor for inefficiency is the value factor ofoperational assets/vehicles which greatly burdens production. This factor is theculmination of the impact of the Covid-19 pandemic which has caused businesses tolose money for more than a year. Other variables modeled in the production functionare information and technology variables and production support variables, thesetwo variables together become variables that support production efficiency. The research findings provide opportunities for deeper analysis, especially regardingstrategies to increase efficiency in the dare taxi business
The Influence of Mobile Banking Service Quality on Customer Satisfaction Pratama, Muhammad Rifky; Marliyah, Marliyah; Dharma, Budi
Journal of Management and Administration Provision Vol. 4 No. 2 (2024): Journal of Management and Administration Provision
Publisher : Pusat Studi Pembangunan dan Pemberdayaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55885/jmap.v4i2.364

Abstract

This study aims to determine the effect of BSI Mobile Banking Service Quality on Customer Satisfaction (Case Study of Students of the Faculty of Islamic Economics and Business, UIN SUMATRA UTARA). The research method used is quantitative. The data source for this research is Bank Syariah Indonesia (BSI) mobile banking customers who are Fakultas Ekonomi Dan Bisnis Islam Students at Uin Sumatra Utara, and uses primary data. By using a collection technique through a questionnaire (questionnaire). The data analysis technique used in this study is to test the quality of the data, namely validity and reliability tests, multiple linear regression tests, and t tests. After going through quantitative procedures, this study obtained the reSumatra Utaralts that Mobile Banking Service Quality had an effect on Customer Satisfaction as evidenced by the correlation test which obtained reSumatra Utaralts of 0.000) <0.05. This means that the service quality variable has a positive and significant effect on customer satisfaction variables. Based on the reSumatra Utaralts of this study, the independent variable (Service Quality) of BSI Mobile has a significant effect on the dependent variable (Customer Satisfaction) of Faculty of Islamic Economics and Business Uin Sumatra Utara students.
ANALISIS DIGITAL MARKETING DALAM MENINGKATKAN VOLUME PENJUALAN PENGRAJIN BEKA BULUH DI KECAMATAN KABANJAHE KABUPATEN KARO Prasektiyo, Agung; Yafiz, Muhammad; Dharma, Budi
Jurnal Ilmiah Ekonomi Dan Bisnis Vol. 21 No. 1 (2024)
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/jieb.v21i1.19550

Abstract

This research is motivated by the importance of marketing strategies through digital marketing to survive in competition between business actors. Therefore, business actors must be able to master digital marketing. This researcher aims to find out how the influence of digital marketing on increasing sales volume in reed beka craftsmen in Kabanjahe District, Karo Regency in using social media as a marketing tool. This study was an observational descriptive study, using primary data obtained based on interviews. The data obtained are analyzed using descriptive statistics and qualitative analysis and displayed in tabular form. The subjects in this study are owners, craftsmen and several related parties. The results showed that beka buluh craftsmen in Kabanjahe District, Karo Regency who have used digital marketing through social media as a means to market their products, experienced an increase in sales volume. This research shows that the use of digital marketing is very influential in competition between businesses and can increase sales volume.
The Influence of Lifestyle and Fear of Missing Out on Repurchase Intention with Word of Mouth as Intervening in the Contemporary Beverage Industry adelika, adelika; Rahma, Tri Inda Fadhila; Dharma, Budi
MEC-J (Management and Economics Journal) Vol 8, No 2 (2024)
Publisher : Faculty of Economics, State Islamic University of Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/mec-j.v8i2.28546

Abstract

This study aims to determine the lifestyle and fear of missing out on repurchase intention with word of mouth as intervening in the contemporary beverage industry. Research using a quantitative approach that is causal / associative research using primary data, namely questionnaires, which are distributed directly to consumers who are in the Sun Thai Tea Stabat. The research sample was taken using the Lemeshow formula because the population size was unknown and varied. The sample in this study is to use the error significance level 10% with the result of the minimum sample size 67 and rounded up to 100 samples. This research uses Structural Equation Modeling (SEM) analysis which is assisted by using SmartPLS 4.0 software. The results showed that lifestyle has a positive and significant effect on repurchase interest, lifestyle has a positive and significant effect on word of mouth, fear of missing out has a positive and significant effect on repurchase interest, fear of missing out has a positive and significant effect on word of mouth, repurchase interest has a positive and significant effect on word of mouth, lifestyle has an indirect positive and significant effect on repurchase interest through word of mouth, fear of missing out has no indirect impact on future purchases interest through word of mouth.
Penerapan Aplikasi Pegadaian Digital Service Dalam Transaksi Gadai Pada PT. Pegadaian ( Persero ) UPC Katamso Medan Syahfrilla Al Risa Nurul Azmi; Budi Dharma
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 2 No. 2 (2024): April : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v2i2.1039

Abstract

PT. Pegadaian (Persero) is a non-bank financial institution which is legally permitted to carry out credit financing on the basis of pawn law. PT. Pegadaian is currently carrying out transformation in the digital world by creating a web-based application called "Pegadaian Digital Service (PDS)". Pegadaian Digital Service (PDS) is a web-based pawnshop service to facilitate customer service in transactions. This research uses a qualitative approach with descriptive methods. The purpose of this research is to determine the use of the Pegadaian Digital Service (PDS) application to facilitate customer transaction services. The results of this research show that the use of the digital Pegadaian application makes customer service easier in transactions. However, it is still not running effectively in terms of facilities so it must be further improved which will have an impact on the quality of service.  
THE EFFECT OF PRODUCT AND PACKAGING VARIATIONS ON PURCHASING DECISIONS Mahira, Tengku Ismalia; Nurwani, Nurwani; Dharma, Budi
Jurnal Ekonomi dan Bisnis Vol 25, No 1 (2024): JURNAL EKONOMI DAN BISNIS
Publisher : Department of Management, Faculty of Economics, Universitas Islam Sutan Agung, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ekobis.25.1.36-48

Abstract

This study aims to explore the impact of product variations and packaging on purchasing decisions at Micro, Small and Medium Enterprises (MSMEs) "Sambalin Aja" in Medan City. The research method applied is a quantitative method with an associative approach. The results of the analysis show that partially, product variety (X1) does not have a significant influence on purchasing decisions, with a calculated t value (1.085) lower than the t table value (2.03452), and a significance value greater than 0.05 (0.286). Meanwhile, the packaging variable (X2) positively and significantly influences purchasing decisions, as evidenced by the t count (4.265) which exceeds the t table (2.03452), and a significance value of 0.000, with an unstandardized beta coefficient for the packing regression of 0.554. This finding indicates that the management of UMKM "Sambalin Aja" needs to pay special attention to the aspect of product packaging, along with increasing the variety of products that can be the choice of consumers. It is recommended that management re-analyze the competitiveness of packaging and product variations compared to competitors, to ensure optimal competitiveness in the market.
Analisis Kinerja Green Supply Chain Management Pada UMKM Batik Seni Pendopo Rika Nurmitha; Tri Inda Fadhila Rahma; Budi Dharma
Lokawati : Jurnal Penelitian Manajemen dan Inovasi Riset Vol. 1 No. 6 (2023): November : Jurnal Penelitian Manajemen dan Inovasi Riset
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/lokawati.v1i6.330

Abstract

One of the world's most famous native Indonesian cultures is batik. A good batik industry must be able to produce superior batik according to market needs with quality standards, the environment, human rights and employment issues. Batik craftsmen have weak tools, use velvet chemicals, handle water and a high amount of water, and are inefficient in handling wax and other processing agents. Batik Seni Pendopo is one of the batik businesses that practices GSCM. Dokani Svetsini needs to manage mezimuzi kineria green manufacturing at Batik Seni Pendopo so that it can continue to operate its business, maintain the surrounding environment, and implement the proposed semparikan persang mezimuzi results consistently. This research uses a qualitative case study type, using the green SCOR and AHP methods. From the results of Mezurisi Ergirden, the performance value is 77.43, which means good. Of the 13 KPIs, there are several KPIs that have unsatisfactory performance, namely energy use, waste produced by % of products produced, production costs, installation costs, waste management, efficiency, stamping, batik canting. Improvements that are important in this business are minimizing the handling of electricity, handling raw materials for candle wax and water, managing candle wax for business income, modifying the management so that the cash that goes to Milan can be milled, and where farmers design and canting so that the production process is faster.
Strategi Pedagang Tradisional Pakaian Fashion Muslim dalam Menghadapi Transformasi Digital Bisnis Pertiwi, Dwi Indah; Nurbaiti, Nurbaiti; Dharma, Budi
Ganaya : Jurnal Ilmu Sosial dan Humaniora Vol 7 No 3 (2024)
Publisher : Jayapangus Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37329/ganaya.v7i3.3436

Abstract

This study aims to analyze and provide alternative strategies for Muslim fashion clothing traders in the Aek Kanopan Inpres Market who are affected by e-commerce. This research uses qualitative methods to explore the strategies used by traders in facing digital transformation. The object of this research is the Aek Kanopan Inpres Market, with a sample of clothing traders selected using the purposive sampling method. Data was collected through observation, interviews, and documentation, then analyzed using three steps: data reduction, data presentation, and conclusion drawn. The results of the study show that merchants apply three main strategies in dealing with e-commerce: focus strategy, differentiation strategy, and low-cost advantage strategy. In the face of increasingly fierce e-commerce competition, traditional Muslim fashion clothing traders in the Aek Kanopan presidential market are implementing various practices to maintain the quality of their products and services. They prioritize product quality by choosing the best materials and following the latest trends in the clothing industry. In addition, they emphasize personalized and friendly service to each customer by holding special promotions and loyalty programs. A focus strategy involves prioritizing the service of loyal customers and maintaining a good relationship with them. The differentiation strategy emphasizes the importance of maintaining product quality and uniqueness to meet customer expectations and compete with e-commerce. The low-cost advantage strategy is implemented by maintaining competitive prices through direct purchases from wholesalers and the use of social media for promotion, which helps reduce marketing costs. Overall, although currently traders at Inpres Aek Kanopan Market operate traditionally, adopting these strategies can help improve competitiveness, attract more customers, and manage business more efficiently and effectively.
Co-Authors Adawiyah, Rabiatun Ade Pranajaya adelika, adelika Adinda Sefina Annisa Afdillah Nur Aisyah Sinaga Aflah, Nadhrah Al Afsari, Fidiya Agung Wibowo Ahmaad Thoriq Alfan Ahmaad Thoriq Alfan Ahmad Amin Dalimunte ahmad fauzi nasution Ahmad Muhaisin B. Syarbaini Ahmad Muharmansyah Rezeki Maulana Ahmad Rasyiddin Ahmad Rasyiddin Aidhawani Aisah, Mira Nur Aisyah Amini Aisyah Fitri Pasaribu Alam, Ryan Saputra Alfaqih Thariq Azizy Hasibuan Alifa Adzra Siregar Alimuddin Pohan Almi Rahmadani Siregar Amalia Munajah Nasution Amanda Damayanti Nasution Amelia Putri AMELIA, MAYA Amri, Fauzan Andri Soemitra Andri Soemitra Andriani Sahputri Anugrah Ramanda Lubis apriani, arni Aprilla, Vanya Aqwa Naser Daulay Aqwa Naser Daulay Arifin Fauzi Lubis Arman Syafii Harahap Asep Wasta Asri Lestari Asti Tri Lestari Aswinanta, Asrul atika Atika Atika Aulia, Niki Auliya Ahmad Suhardi Ayu Andini Ayu Diana Azhari Akmal Tarigan Azizah Mudrikah Br Tarigan, Emi Yani Teta Bunayyati Hakimah S. Meliala Chadisa Rizky Ananda Cici Winda Atila Cici Winda Atila Dara Citra Pratiwi Devyana, Melati Dhea Nita Syafina Rambe Diah Ananda Kharisma Diah Safri Yulinda Dian Irmawani Dian Novitri Dinda Savira Viantika Djauky Ridho Amwa Doli Bonardo Dwi Ayu Wulandari, Dwi Ayu Dwy Franadita Elsa mayori Elsa Zulfita Elsa Zulfita Erika Sri Wahyuni Eski Aditya Fachrezi, Harahap Adrie Fadhila Rahma, Tri Inda Fadillah, Aditya Fadiya Maysaroh Lubis Fahira, Rizkia - Fahmi Rizky Fajri Mustofa Akbar Fakri Mursala Fathur Rahman Fatmasari, Ellya Finik Kharianti Franadita, Dwi Ghilman Rozy Hrp Grace Amalia Tondang Grace Amalia Tondang Gusniati, Putri Hafyah Yasmita Handana Sembiring Harahap, Arman Syafii Harahap, Muhammad Ikhsan Harahap, Putri Liana Harahap, Rahmat Daim Harahap, Risky Suleman Alpian Harahap, Yeni Marlina Harianto, Budi Hasibuan, Elda Anzeli Hasibuan, Rukiana Hediyati, Wirda Hendra Harmain Herlin, Annisa Rahmah Hilman Fauzi, Hilman Hollanda Arief Kusuma Hotbin Hasugian Hurian Kamela Husnah, Muslimatul Idham Mahrivi Imamsyah Imamsyah Imsar Imsar Imsar Imsar Imsar, Imsar Indah Aryani Indradewa, Rhian Indri Andini Indriyanti, Putri Intan Ayu Pratiwi, Intan Ayu Intan Sari Tanjung Irma Septria Mawarni Irna Nuraeni Isnaini Harahap Jannah, Nurul Jihan Karina Putri Juli Syahputri Juliana Nasution Kartini, Ami Dini Khairi, Ulfah Amirah Khairun Nisa Kharianti , Finik Khoirun Nisa Lubis Khori Ayu Tridyanthi Kurniawan, Dediek Tri Kurniawan, Ervandy Kusmilawaty Kusmilawaty Kusmilawaty, Kusmilawaty Laila Annisyah Lubis Laila Fitria Layla Nurul Sakinah Laylan Syafina Lestari Perdana Putri Lia Purnama Sari Lubis, Aulia Azmi Lubis, Mutiara Lubis, Suci Arifah M. Rafiq Efrianda M. Rafiq Efrianda M. Riswan Azifi Maharani, Nurul Sandra Mahfadillah, Aninda Mahira, Tengku Ismalia Maidalena, Maidalena Mailina, Rani Manurung, Alifia Nasya Marliyah Marliyah Marliyah, Marliyah Marliyah, Marliyah Marwah Auliyani Maulida, Syakya Maya Dian Eka Sari Melati Devyana Minta Ito Lubis Monica, Aulia Muchsin Harahap Muhammad Anshari Muhammad Arif Muhammad Farhan Muhammad Hasby Muhammad Indra Pratama Muhammad Iqbal Sayuti Harahap Muhammad Lathief Ilhamy Nasution Muhammad Tanveer Muhammad Yafiz Muhammad Yafiz, Muhammad Muhammad Yunus Sofian Muhammad Zauki Hafiezh Murni Sofiah Murni Sofiah Muslimatul Husnah Mustafaruddin Mustafaruddin Mustapa Kamal Rokan Mustapa  Khamal  Rokan Mutia Sari Mutiara Rahmah Nabila Ananda Putri Harahap Nadya Maulidya M Nafis, Fadly Abdillah Naili Nuril Aufa Manik Nasution, Annio Indah Lestari Nasution, Muhammad Iqbal Nasution, Muhammad Irwan Padli Natzmi, Alvi Niken Rahmadyah Niki Aulia Nila Rosdiana Niswan, Ramandha Noor, Atikah Novitri, Dian Nur Ahmadi Bi Rahmani Nur Ainun Fadillah Nur Hazizah Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurhayati Nurhayati Nuri Aslami Nurlaila Nurul Annisa Nurul Azmi, Syahfrilla Al risa Nurul Haliza Nurul Hayati Panjaitan Nurul Jannah Nurul Jannah Nurwani Nurwani, Nurwani Nurwijayanti Pane, Nurdyanti Choirunnisa Panjaitan, Nurul Hayati Parinduri, Armansyah Pasaribu, Aisyah Fitri Pertiwi, Dwi Indah Prahaski, Nabila Prasektiyo, Agung Prasetyo, Aris Kukuh Pratama Tarigan, Mhd Agung Pratama, Bagus Mulya Pratama, M. Luthfi Arif Pratama, Muhammad Rifky Preti Intan Sari Purba , Sonia Putri Gusniati Putri Gusniati Putri Indah Fadillah Putri Mardiyyah Hasibuan Putri Salsa Nabila Putri Sepfiani Qarni, Waizul Rafika Azwina Rafiqoh, Sri Rahma, Tri Inda Fadhila Rahma, Tri Inda Fadhila Rahmadana, Ogi Rahmadhani, Sophia Rahmah, Dewi Chofifah Rahmah, Mutiara Rahmah, Tri Indah Fadhila Rahmani, Nur Ahmadi Bi Raihan Saputra Raihan Saputra Raihan Sultani Ramadania, Devi Fitriani Ramadhani, Novitri Ramadhani, Sri Ramadhani, Yus Raudah Azzahra Manurung Raudhatun Sumi Regina Julmasita Reitandi, Reitandi Reni Ria Armayani Hasibuan Rika Nurmitha Rindi Safira Rio Ariangga Riska Arianti Nasution Riska Syahputri Nasution Ritonga, Afdolli Ilman Riza Ayu Asmita Rohaya, Rohaya Rozi, Yudi Fakhrul Sahputri, Andriani Sandi Pranata Saparuddin Siregar Saparuddin Siregar Saragih, Jasman Wanfaber Parningotan Sari Harahap, Epa Purnama Sekar Ayu Larasati Seni Lidusyiami Septia, Windy setiaji, denden Shelvi Fadillah Harahap Silvi Tri Wardani Simanjuntak, Maryama Azma Siregar, Dedy Rahman Siregar, Muhammad Maulana Sitakar, Beny Siti Jubaidah, Siti Sonia Purba Sri Lestari Sri Maharani Sri Ramadhani Suci, Indriani Sugianto Sugianto Suhairi Suhairi Suhairi Suhairi Surya Sirait, Mentari Kinanti Sutardi, Edi Sy Haura Munawwarah Syahfitri, Syahfitri Syahfrilla Al Risa Nurul Azmi Syaputri, Widya Syarbaini, Ahmad Muhaisin B. Syarbaini, Ahmad Muhaisin B. Tamima, Aqila Tanjung, Intan Sari Tanjung, Selvira Wardani Tasya Yustika Putri Thoibatul Mardiah Tika Rostika Tri Inda Fadhila Rahma Tria Wardani Try Andini, Febrianty Utami, Annisa Dwi Vera Maytara Via Alya Huda Viantika, Dinda Savira Vidya Chalista Vina Rahmanda Vira Audini Wahyu Andriansyah Naibaho Wardani, Pina Wein Rizki Dharmawan Wein Rizki Dharmawan Wiranti, Wiranti Wirda Hediyati Yasmita, Hafsyah Yenni Samri Juliati Nasution Yusfiani, Marnida yusnita, Reni Yusrizal Yusrizal Yusrizal Yusrizal Zahrina Ghaisany Pulungan Zainarti Zainarti Zainarti Zainarti Zalika Fauja Zsasa Aulia Hubara Zuhada Hsb, Muhammad Fathur Rizqi Zuhrinal M. Nawawi