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Analisis Faktor Yang Mempengaruhi Kinerja Karyawan Bagian Kas Daerah di Badan Pengelola Keungangan dan Aset Daerah (BPKAD) Pemerintah Provinsi Sumatera Utara
Mohd Haiqal Alif Ramadhani;
Nurbaiti Nurbaiti
Profit: Jurnal Manajemen, Bisnis dan Akuntansi Vol. 1 No. 4 (2022): November :Profit : Jurnal Manajemen, Bisnis dan Akuntansi
Publisher : UNIVERSITAS MARITIM AMNI SEMARANG
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DOI: 10.58192/profit.v1i4.358
As Regional General Treasurer, BPKAD is an agency that has responsibility for collecting regional income and channeling regional needs through the Regional General Treasury. In the regional treasury, the region regulates the adequacy of funds to finance regional expenditures. The aim of the research is to find out the work of the state civil apparatus (BPKAD), namely the qualitative method is a methodology that uses content analysis, which requires the transmission of steps in writing to achieve goals and information that is complete and objective, and has certain ways and methods according to the problem. faced. This type of research is direct research and library research. Based on the results of this study it can be concluded that the performance of employees who have performed well at the Regional Office of the Financial and Asset Management Agency (BPKAD) of North Sumatra Province can improve this good performance to also create good jobs that advance positions according to the key indicators of current North Sumatra Province BPKAD employees .And already in good improvement efforts it can be seen that the ability to use working time effectively, the quality of work carried out and employee responsibilities are good. This is because the Regional Economic Development Board administrators are able to communicate with their staff to improve service quality and provide good facilities and infrastructure ideal for advancing the development of the Second sector in the province of North Sumatra and achieving these development goals.
Minat Menggunakan E-Wallet Dana Di Kalangan Mahasiswa Di Kota Medan
Puja Kesuma;
Nurbaiti Nurbaiti
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 6 No 1 (2023): Article Research Volume 6 Number 1, Januari 2023
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga
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DOI: 10.36778/jesya.v6i1.979
Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh pengetahuan produk, kepercayaan dan fitur layanan terhadap minat menggunakan e-wallet Dana pada kalangan Mahasiswa-mahasiswi di kota Medan. Pendekatan penelitian ini menggunakan penelitian kuantitatif. Data yang digunakan dalam penelitian ini adalah data primer yang diperoleh dari kuesioner. Sampel penelitian ini adalah Mahasiswa-mahasiswi di kota Medan yang berjumlah 100 responden. Teknik analisis menggunakan analisis regresi linear berganda. Variabel penelitian ini terdiri dari variabel bebas yaitu pengetahuan produk, kepercayaan dan fitur layanan dan variabel terikat yaitu minat menggunakan e-wallet Dana. Hasil penelitian menunjukkan bahwa pengetahuan produk, kepercayaan dan fitur layanan berpengaruh positif dan signifikan terhadap minat menggunakan e-wallet Dana secara simultan. Hasil penelitian secara parsial menunjukkan bahwa kepercayaan berpengaruh signifikan terhadap minat, dan fitur layanan berpengaruh signifikan minat.
ANALISIS PENDAPATAN SUPIR ANGKUTAN UMUM SEBELUM DAN DIMASA PANDEMI COVID-19 DITINJAU DARI PERSFEKTIF EKONOMI ISLAM (Studi Kasus Supir Angkutan Umum Di Kecamatan Panyabungan Kabupaten Mandailing Natal)
Mutiah Salsabila;
Nurbaiti;
Mawaddah Irham
EKSYA : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2022): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal
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The income of public transport drivers is included in the Ujrah (Reward) method. This study aims to determine the income of public transport drivers before and during the Covid-19 pandemic and to determine the income of public transport drivers before and during the pandemic in terms of an Islamic economic perspective. The research method used is a qualitative method. Data collection techniques with the method of observation, interviews and documentation. The results of this study concluded that the income of public transport drivers during the Covid-19 pandemic in Panyabungan District decreased from before due to a decrease in the number of passengers due to government policies such as social distancing, lockdown, school holidays, offices and also calls to minimize leaving the house during the pandemic. Covid-19. The income of public transportation drivers in Panyabungan District before and during the Covid-19 pandemic in terms of the Islamic economic perspective is included in the Ujrah method because public transportation provides services to other people in need and then gets ujrah in the form of rental fees or paid for using these services. The decline in the income of public transport drivers in the District during the Covid-19 pandemic from before could threaten a person's monotheism because poverty can bring it closer to kufr, therefore public transport drivers must continue to work and always be grateful to Allah and do not forget to try to increase income from other things. of course income in accordance with Islamic law itself.
Pengaruh Norma Subjektif dan Persepsi Manfaat Terhadap Intensitas Menggunakan Fintech Payment dengan Sikap Pengguna Sebagai Variabel Intervening (Studi Kasus: Mahasiswa Fakultas Ekonomi dan Bisnis Islam UIN Sumatera Utara)
Tanzila Arifah Putri;
Nurbaiti Nurbaiti;
Juliana Nasution
Jurnal Manajemen Akuntansi (JUMSI) Vol 3, No 1: 2023
Publisher : Universitas Labuhanbatu
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DOI: 10.36987/jumsi.v3i1.3811
This study aims to analyze the effect of subjective norms and perceptions of benefits on the intensity of using fintech payment intervened through user attitude variables. The type of research used that is used is quantitative research with causality research design.The population in this study amounted to 3973 respondents.By using non-probability sampling sampling technique, a sample of 98 people was taken using slovin formula.The data analysis technique used is path analysis. The results showed that partially subjective norm variables had no significant effect on the intensity of using fintech payment, but the perception of benefits and user attitudes had a significant effect on the intensity of using fintech payment. Subjective norm variables affect user attitudes, while the perception of benefits does not affect user attitudes. When intervened with user attitude variables, subjective norm variables affect the decision intensity of using fintech payment. While the perception of benefits does not affect the intensity of using fintech payment.As well as subjective norms, perceptions of benefits and user attitudes simultaneously affect the intensity of using fintech payments.
Analisis Struktur Modal Dalam Meningkatkan Profitabilitas Pada PT. Aneka Gas Industri TBK
Nova Andani;
Nurbaiti Nurbaiti;
Arnida Wahyuni Lubis
AKUA: Jurnal Akuntansi dan Keuangan Vol. 2 No. 1 (2023): Januari 2023
Publisher : Yayasan Pendidikan Penelitian Pengabdian Algero
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DOI: 10.54259/akua.v2i1.1402
PT. Aneka Gas Industri Tbk is the largest industrial gas company in Indonesia. Profitability is the company's ability to generate profits by using the company's capital. Companies with high profitability show that the company's management is able to optimize capital in generating profits. This study aims to analyze how the capital structure as measured by Debt to Equity Ratio (DER) and Debt to Asset Ratio (DAR) in increasing profitability as measured by Return On Asset (ROA) and Return On Equity (ROE) at PT. Aneka Gas Industri Tbk. The type of research used is descriptive quantitative and secondary data sources. The results of this study are the company's capital structure has not been able to increase ROA and ROE at PT. Aneka Gas Industri Tbk. The DER and DAR values are still above the industry average, which indicates that the company is entirely financed by creditors, which can cause greater risk for the company. After analysis, it is known that the decline in the value of ROA is due to ineffective asset management, this can be seen from the high number of company assets but low profits. The decrease in return or ROE indicates that the company is not effective in using the company's equity so that the increase in net income is smaller than the increase in company equity.
PENGARUH LAJU PERTUMBUHAN SEKTOR INDUSTRI, INVESTASI DAN UPAH TERHADAP PENYERAPAN TENAGA KERJA SEKTOR INDUSTRI DI KABUPATEN ASAHAN
Denny Permana Siregar;
Nurbaiti Nurbaiti;
Khairina Tambunan
Jurnal Ekonomi dan Bisnis Vol. 26 No. 2 (2022): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya
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DOI: 10.24123/jeb.v26i2.4998
This study was conducted to determine how the effect of the growth rate of industrial sector, investment and wages on industrial sector employment in Asahan Regency. This study uses secondary data obtained from the official website of the Central Bureau of Statistics of Asahan Regency and Investment Coordinating Board of the Republic of Indonesia. Analysis that used is descriptive quantitative with multiple linear regression analysis model. The dependent variable used is industrial sector employment. While the independent variable used is the growth rate of industrial sector, investment and wages. In this research, Eviews 10 software is used as an estimation tool. The results showed that the growth rate of industrial sector has a negative and significant effect on employment in the industrial sector, the investment variable has a negative and significant effect on employment in the industrial sector and wage variables has a positive and significant effect on employment in the industrial sector. The results of this study also show that the coefficient of determination is 0.982244 which means the employment in the industrial sector in Asahan Regency can be explained by the growth rate of industrial sector, investment and wages variables factor by 98.22%. While the remaining 1.78% is explained by other variables not examined in this study.
ANALISIS PENERAPAN INTEGRATED MARKETING COMMUNICATION (IMC) PADA PRODUK PEMBIAYAAN BSI CICIL EMAS (STUDI KASUS PT. BANK SYARIAH INDONESIA KCP KOTA PINANG)
Syari Nurhayani;
Nurbaiti Nurbaiti;
Muhammad Lathief Ilhamy Nasution
Journal of Innovation Research and Knowledge Vol. 2 No. 9: Februari 2023
Publisher : Bajang Institute
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DOI: 10.53625/jirk.v2i9.5017
Produk pembiayaan BSI cicil emas merupakan salah satu produk unggulan yang terdapat di PT. Bank Syariah Indonesia KCP Kota pinang. Namun seiring dengan berkembangnya industri perbankan di Indonesia komunikasi pemasaran perlu dilakukan untuk menghadapi persaingan terutama pada produk pembiayaan BSI cicil emas. Penelitian ini bertujuan untuk mengetahui penerapan Integrated Marketing Communication (IMC) pada produk BSI cicil emas di PT. Bank Syariah Indonesia KCP Kota Pinang, kendala dan solusi yang dihadapi dalam penerapan Integrated Marketing Communication (IMC) pada produk pembiayaan BSI cicil emas di PT. Bank Syariah Indonesia KCP Kota Pinang. Adapun metode penelitian menggunakan jenis penelitian kualitatif dengan pendekatan studi kasus. Pengumpulan data yang digunakan oleh penulis berupa wawancara dengan karyawan PT. Bank Syariah Indonesia KCP Kota Pinang serta observasi dengan menggunakan mata dan telinga sebagai jendela untuk merekam data dan dokumentasi yang berkaitan. Dari hasil penelitian dapat diketahui bahwa strategi penerapan Integrated Marketing Communication (IMC) yang dilakukan PT. Bank Syariah Indonesia KCP Kota Pinang dengan cara periklanan (Advertising), promosi penjualan (Sales Promotion), hubungan masyarakat (Public Relation), penjualan pribadi (Personal Selling) dan pemasaran langsung (Direct Marketing). Kendala yang dihadapi dalam penerapan integrated marketing communication yaitu penyampaian yang kurang tepat sasaran dan masih kurangnya pemahaman terhadap pembiayaan BSI cicil emas. Solusi yang digunakan PT. Bank Syariah Indonesia adalah harus lebih pintar dalam menganalisis kebutuhan calon nasabah dan menjelaskan jika produk tersebut sesuai syariah agar dikemudian hari tidak terjadi miss komunikasi.
Lingkup Dunia Cyber di Indonesia
Desri Amanda Firdayani Nasution;
Ria Septiana;
Widya Syaputri;
Nurbaiti Nurbaiti
COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat Vol. 2 No. 11 (2023): COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat
Publisher : Publikasi Indonesia
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DOI: 10.59141/comserva.v2i11.653
In this day and age, technological developments are increasingly advanced, many use the internet as a tool or space to communicate with others. However, with the advancement of technology and the internet, it also not only has a positive impact, but there is also a negative side, namely that there are also many people who make threats from the internet or what is also known as Cybercrime. Cybercrime is an attack carried out through internet technology. Cyber attacks are also one of the most common attacks in the world, one of which is Indonesia. For 2022 alone, more than 700 million cyberattacks have been carried out. Based on the data obtained, this research is included in the category of qualitative research. Qualitative research is research that is basically a way to understand phenomena by obtaining data from research in the form of data or activities seen from observations. This research was conducted to test how many attacks are carried out by cyber against the world, including the country. Cybersecurity is also carried out at this stage so that data theft actions do not occur that can harm the country and others as well.
Efektifitas Penerapan Financial Technology (Fintech) dan Strategi Fundraising dalam Optimalisasi Penghimpunan ZISWAF (Zakat, Infak, Sedekah, Wakaf) (Studi Kasus Dompet Dhuafa Waspada Sumatera Utara)
Sri Wahyuni;
Nurbaiti Nurbaiti;
M. Ikhsan Harahap
Jurnal Pendidikan Tambusai Vol. 6 No. 2 (2022): Agustus 2022
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia
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DOI: 10.31004/jptam.v6i2.3992
Penelitian mengambil topik tentang perkembangan teknologi di sektor keuangan dalam menghimpun ZISWAF kemudian didukung dengan strategi fundraising agar penghimpunan ZISWAF optimal. Tujuan dari penelitian ini untuk menganalisis tingkat efektivitas penerapan financial technology dan penerapan strategi fundraising dengan menggunakan analisis SWOT. Penelitian ini memakai metode kualitatif deskriptif, Sumber data penelitian mencakup data primer serta sekunder yang diperoleh lewat observasi, wawancara dan dokumentasi di DDW Sumatera Utara terutama pada divisi keuangan dan divisi fundraising. Analisis penelitian ini memakai analisis deksriptif yang mana semua data yang bersfat kualitatif diteliti, dianalisis, dikembangkan serta disesuaikan dengan teori-teori pendukungnya. Dari penelitian ini bisa disimpulkan bahwa fintech sudah diterapkan sejak tahun 2017 dan masih terus dioptimalkan dengan menggunakan strategi fundraising offline dan online. Akan tetapi penghimpunan ZISWAF dengan menggunakan fintech masih belum efektif, diharapakan ada inovasi strategi baru yang diterapkan untuk menghimpun dana ZISWAF dengan pemanfaatan fintech. Salah satu hambatan terberat yang dihadapi Dompet Dhuafa Waspada Sumatera Utara ialah pengetahuan beserta kesadaran masyarakat Sumatera Utara yang masih sangat rendah mengenai pemanfaatan fintech dalam membayar ZISWAF. Hasil analisis SWOT menunjukkan kekuatan internal lembaga begitu kuat sehingga dapat memanfaatkan peluang yang ada. Maka dari faktor internalnya dirasa perlu perbaikan terkhusus peningkatan SDM khususnya pada divisi fundraising dengan harapan mencapai visi, misi dan target penghimpunan yang telah dicanangkan.
PERSEPSI NASABAH UNIVERSITAS ISLAM NEGERI SUMATERA UTARA TERHADAP LAYANAN FITUR MOBILE BANKING BSI
Askur Hamid Nst;
Elya Rosa Maharani Sembiring;
Putri Andini Al-Khoiri;
Nurbaiti Nurbaiti
Trending: Jurnal Manajemen dan Ekonomi Vol. 1 No. 1 (2023): Januari: Trending: Jurnal Manajemen dan Ekonomi
Publisher : Universitas 45 Surabaya
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DOI: 10.30640/trending.v1i1.480
Penelitian ini bertujuan untuk mengetahui persepsi nasabah di Universitas Islam Negeri Sumatera Utara terhadap penggunaan layanan fitur yang ada pada aplikasi Mobile Banking Bank Syariah Indonesia.Sebelumnya melakukan transaksi seperti transfer,pengambilan tunai,dan lain sebagainya seseorang tersebut harus mendatangi kantor bank terdekat. Tetapi dengan perkembangan teknologi yang sangat pesat terbentuklah suatu aplikasi bank yang segala transaksi dapat dilakukan atau kini disebut dengan Mobile Banking.Dalam penelitian ini diperlukan adanya hasil observasi terhadap pengguna atau nasabah yang menggunakan mobile banking BSI untuk memperoleh hasil kepuasan terhadap layanan tersebut.Penelitian ini tentunya akan mengedukasi serta memberi informasi terhadap fitur-fitur yang terdapat pada mobile banking BSI dan persepsi-persepsi nasabah pengguna mobile banking BSI.Tentunya terdapat kepuasan dan ketidakpuasan nasabah akan layanan yang disediakan oleh mobile banking BSI tetapi hal itu tidak mengurangi rasa kemudahan dan kelogisan para pengguna mobile banking.