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FAKTOR‐FAKTOR YANG MEMPENGARUHI KEPUTUSAN NASABAH DALAM MEMILIH PEMBIAYAAN GRIYA IB HASANAH DI PT.BANK BNI SYARIAH KANTOR CABANG BENGKULU Karona Cahya Susena; Tito Irwanto; Erlin Priandi
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 7 No 2 (2019)
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (221.002 KB) | DOI: 10.37676/ekombis.v7i2.823

Abstract

The purpose of this study is to find out the dominant factors that influence customer decisions in choosing financing from the hasanah hasanah at PT. Bank BNI Syariah KC. Bengkulu. The method used in analyzing research data is rating scale. The average respondent's answers to the four factors that influence the customer's decision in choosing financing from the hasanah at PT. Bank BNI Syariah KC.Bengkulu is 640 with very agree criteria, meaning that the average respondent strongly agrees that all the proposed factors, namely cultural factors, social factors, personal factors and psychological factors can influence the customer's decision in choosing financing from the hasanah at PT. Bank BNI Syariah KC. Bengkulu.
PENGARUH ATMOSFIR TOKO DAN KESESUAIAN HARGA TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN PUNCAK DEPARTEMENT STORE BENGKULU Tito Irwanto; Herry Novrianda; Aji Purnomo
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 8 No 1 (2020)
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1035.81 KB) | DOI: 10.37676/ekombis.v8i1.933

Abstract

Tito Irwanto, Herry Novrianda, Aji Purnomo; This study aims to determine the positive effect between atmosphere and price suitability on purchasing decisions for consumers visiting the Peak of the Bengkulu City Department Store. The number of samples is 100 visitors using the multiple linear regression method. The method of analysis used in this study is multiple linear regression. The results of this study are that there is an influence of the atmosphere on purchasing decisions on consumers visiting the Peak of the Bengkulu City Department Store, this is evident in the value of tcount>ttable of 12.839> 1.66 and there is an influence of price suitability on purchasing decisions on consumers visiting the Peak Department of Store of the City of Bengkulu, this is evident in the value of t> t table of conformity of the price of 2.267> 1.66. Based on the comparison of the value of Fcount with Ftable, it is known that the Fcount value is greater than the Ftable value that is 114.992> 3.09, then the hypothesis is accepted, meaning that there is a simultaneous influence between the atmosphere and the suitability of prices towards purchasing decisions on consumers at the Top of the Department Store Store in Bengkulu City. Keywords : Atmosphere, Price Match, and Purchase Decision
HUBUNGAN DAN KUALITAS PELAYANAN DENGAN LOYALITAS PELANGGAN PADA PT. HUTAMA TOUR DAN TRAVEL KOTA BENGKULU Tito Irawanto; Ida Ayu Made Er Meytha Gayatri
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 8 No 2 (2020)
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2210.916 KB) | DOI: 10.37676/ekombis.v8i2.1080

Abstract

Tujuan penelitian ini adalah untuk mengetahui hubungan kualitas pelayanan dengan loyalitas pelanggan pada PT. Hutama Tour dan Travel Kota Bengkulu. Sampel dalam penelitian ini sebanyak 32 orang pelanggan yang melakukan studi tour pada PT. Hutama Tour dan Travel Kota Bengkulu pada tahun 2019. Metode pengumpulan data yang di gunakan adalah kuesioner dan metode analisis yang digunakan adalah korelasi rank spearman dan pengujian hipotesis dengan uji t. Hasil korelasi rank spearman menunjukkan hubungan kualitas pelayanan dengan loyalitas pelanggan pada PT. Hutama Tour dan Travel Kota Bengkulu memiliki korelasi yang sangat kuat dengan nilai korelasi sebesar 0,864, ini berarti bahwa semakin baik kualitas pelayanan pada PT. Hutama Tour dan Travel Kota Bengkulu maka akan semakin tinggi pula loyalitas pelanggan pada PT. Hutama Tour dan Travel Kota Bengkulu. Hal ini diperkuat dengan hasil uji hipotesis bahwa thitung lebih besar dari ttabel (9,389 >1,697).
Analisis Perbandingan Model Altman, Springate, Zmijewski, Dan Grover Dalam Memprediksi Kebangkrutan Perusahaan Di Bursa Efek Indonesia (Studi Empiris Pada Perusahaan Manufaktur Yang Terdaftar Di Bursa Efek Indonesia Periode 2012-2017) Anton Robiansyah; Yusmaniarti Yusmaniarti; Iwi Karmita Sari; Herry Novrianda; Tito Irwanto
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 10 No S1 (2022): SPECIAL ISSUE DNU 14 TH
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v10iS1.1957

Abstract

This study compares the feasibility of the Bankruptcy prediction model if used to predict manufacturing companies. The test in this study is logistic regression. The sample in this study consisted of 79 manufacturing companies listed on the Indonesia Stock Exchange from 2012-2017 with a purposive sampling method. This research is quantitative research where the analytical tool used is logistic regression test with SPSS version 18. The study results indicate that of the four models studied. The Springate model cannot predict the bankruptcy of manufacturing companies listed on the Indonesia Stock Exchange because it has a significant value of 0.175 > 0.05. This study also indicates that the Altman model is the most appropriate for predicting the bankruptcy of manufacturing companies compared to Springate, Zmijewski, and Grover.
Pengaruh Kompetensi, Disiplin Kerja dan Beban Kerja terhadap Kinerja Penyidik Dit Reskrimum Polda Bengkulu Dinda Yulistin; Tito Irwanto; Iswidana Utama Putra
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 10 No S1 (2022): SPECIAL ISSUE DNU 14 TH
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v10iS1.2000

Abstract

The purpose of this study was to determine the effect of competence, work discipline and workload on the performance of Investigators of the Criminal Investigation Directorate of the Bengkulu Police. The sample in this study was 80 investigators from the Directorate of Criminal Investigation at the Bengkulu Police. The sampling technique was a census and the data were collected using a questionnaire and the analytical methods through validity test, through validity test, reliability test, classical assumption test, multiple linear regression, determination test and hypothesis testing. The results of this study indicate that competence has a positive and significant effect on the performance of investigators from the Directorate of Criminal Investigation at the Bengkulu Police, because the significant value of 0.000 is smaller than 0.05. This means that the increasing competence affected the performance. Work Discipline has a positive and significant effect on the performance of Bengkulu Police Criminal Investigation Department investigators, because the significant value of 0.027 is smaller than 0.05, the more attention to work discipline of members will increase. This illustrates that with good work discipline between investigators and leaders and between investigators and other investigators, performance can be improved. Workload has a positive and significant influence on the performance of Bengkulu Police Criminal Investigation Directorate because the significant value of 0.000 is less than 0, 05. This illustrates that the existence of a workload that is in accordance with the skills and knowledge can improve the performance of investigators. The results of the f test indicate a significant influence between competence, work discipline and workload on performance together. The coefficient of determination of R square is 0.814. This means that competence, work discipline and workload affect performance by 81.4% while the rest (100-81.4% = 18.6%) is influenced by other causal factors not examined in this study.
ANALISIS KINERJA PEGAWAI PADA PT. ASURANSI UMUM BUMIPUTERA MUDA 1967 CABANG BENGKULU Tito Irwanto; Karona Cahya Susena; Nurhalimah Tusadiyah
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 3 No. 1 (2020)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (268.95 KB) | DOI: 10.36085/jam-ekis.v3i1.534

Abstract

The purpose of this study was to analyze the performance of employees at PT. General Insurance for Young Bumiputera 1967 Bengkulu Branch. This research is a type of survey research that takes a sample from a participant and uses questionnaires as a data collection and participation tool for analysis, explaining and explaining certain phenomena through field research activities. The sample in this study were all employees of PT. 1967 Bengkulu branch of General Insurance Bumiputera Muda who took 18 people with the sampling method used is total sampling or census. The analytical method used in this study is a qualitative descriptive analysis method that uses the average distribution.The results of this study indicate that, the performance of PT. General Insurance for Young Bumiputera 1967 Bengkulu Branch has been very good with an average value of employee performance is 4.24. The average value of work quality is 4.49. The average value of the amount of work is 4.10. The average value of timeliness is 4.14. The average value of cooperation is 4.39. The average value of the cost resolution is 4.20. The average value of supervision is 4.17. Keywords: Quality of work, Quantity of work, Timeliness, Cooperation, Emphasis on costs,  Supervision
ANALISIS KEPEDULIAN PELAKU USAHA TERHADAP PROTOKOL KESEHATAN CORONAVIRUS DISEASE ( COVID-19 ) PADA PUSAT PERBELANJAAN MODERN DI KOTA BENGKULU Suswati Nasution; Tito Irwanto
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 4 No. 1 (2021): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (217.141 KB) | DOI: 10.36085/jam-ekis.v4i1.1270

Abstract

The concern of business actors during the Covid-19 pandemic is an important and very influential thing on the economy. In the midst of the COVID-19 pandemic, people think several times to visit shopping centers because of their concern that they will be infected with the coronavirus disease or covid-19, this will undoubtedly disrupt the running of the economy and indirectly impact the decline in turnover of business people. will have an impact on small traders who are around the location of the shopping center. This epidemic that has been going on for a very long time has caused the Government to issue a new policy by opening the faucet of the new normal discourse. Where to overcome the worsening economic situation, especially the trade and business sectors, not to get worse, the new normal discourse is echoed, where in the new normal era, people are expected to return to their normal activities provided that they comply with the Covid -19 health protocol. The community welcomes this discourse, those who were previously silent and doing all activities at home, have begun to make plans to carry out activities outside the home, including visiting a shopping center. For this reason, it is necessary to see the extent to which business actors care about health protocols at their place of business, so that visitors feel safe shopping without fear of contracting the virus.The perceptions of these business actors in this shopping center are very much needed to find out whether their concerns have an impact on increasing shopping center visits and can increase business income. With survey research and the method used is descriptive analytical quantitative. By taking samples from the population of business actors in two modern shopping centers in the city of Bengkulu, Bencoolen Mall and Mega Mall, and using a questionnaire as a data collection tool, 40 respondents were obtained, then the respondent's data and respondents' statements were processed using distribution On average with a Likert scale measuring instrument 5, while determining the characteristics of respondents using the frequency distribution with the help of SPSS as data processing software. The results of data processing show that business actors in two modern shopping centers in the city of Bengkulu are categorized as good in implementing the protocol. health Covid-19. Of course this is not a final result, stakeholders are expected to be able to increase the category to Very Good. So that the shopping center becomes a comfortable place for visitors even though the Covid-19 epidemic period has not ended.Keywords: Business Actor Concern, Covid-19 Prevention Protocol, Modern Shopping Center
ANALISIS IMPLEMENTASI PRINSIP-PRINSIP GOOD CORPORATE GOVERNANCE (GCG) PADA PT. BANK MANDIRI (PERSERO) TBK. CABANG BENGKULU Sukandi Andi; Tito Irwanto; Meiffa Herfianti
Management Insight: Jurnal Ilmiah Manajemen Vol 13, No 1 (2018): Managament Insight: Jurnal Ilmiah Manajemen
Publisher : Unib Press Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (990.24 KB) | DOI: 10.33369/insight.13.1.86-100

Abstract

Abstract: The objective of this research is to Implementation of the good corporate governance (GCG) principles in addition to improving bank competitiveness itself, also provide more protection to the community. The implementation of the good corporate governance (GCG) principles becomes a trust given the banking industry that manages public funds (customers). The objective of this research is to know the analysis implementation of good corporate governance (GCG) principles in PT. Bank Mandiri (Persero) Tbk. Branch of Bengkulu. The object of this research is permanent employee of PT. Bank Mandiri (Persero) Tbk Branch Office of Bengkulu which amounted to 67 people, with sampling method that is total sampling. The sources of data in this study through questionnaires. The data analysis technique used quantitative descriptive analysis with mean method and frequency distribution table. The results of this study research that, implemtasi good corporate governance (GCG) principles at PT. Bank Mandiri (Persero) Tbk. Branch of Bengkulu has been running well with the average value of the statement 3.77 (good). Furthermore, the implementation principles of transparency, accountability, responsibility, independence and fairness have gone well with the average value each statement of 3.71 (good), 3.86 (good), 3.76 (good), 3.67 (good), 3.86 (good).Keyword: governance, bank, competitiveness.
Analisis Perbedaan Tingkat Kualitas Pelayanan Terhadap Kepuasan Pelanggan Antara Listrik Prabayar Dan Listrik Pascabayar (Studi Kasus Di Daerah Lingkar Barat Jalan Sadang 2 Kota Bengkulu) Tezar Arianto; Belli Liberti; Tito Irwanto
Management Insight: Jurnal Ilmiah Manajemen Vol 16, No 1 (2021): Managament Insight: Jurnal Ilmiah Manajemen
Publisher : Unib Press Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/insight.16.1.141-152

Abstract

PENGARUH MOTIVASI DAN MORAL KERJA TERHADAP KINERJA PEGAWAI PADA BADAN PENGELOLAAN KEUANGAN DAERAH KABUPATEN SELUMA Deli Efrianto; Eska Prima Monique Damarsiwi; Tito Irwanto
Jurnal Ekonomia Vol 11 No 2 (2021): JULI 2021
Publisher : LPPM ITBis Lembah Dempo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (113.757 KB) | DOI: 10.54342/stie-je.v11i2.162

Abstract

Tujuan penelitian ini yakni buat mengenali pengaruh motivasi serta moral kerja terhadap kinerja pegawai Badan Pengelolaan Keuangan Daerah Kabupaten Seluma. Ilustrasi dalam riset ini 38 orang ASN pada Badan Pengelolaan Keuangan Wilayah Kabupaten Seluma. Pengumpulan informasi memakai kuesioner dan analisis yang digunakan ialah regresi linier berganda, koefisien determinan serta uji parsial dan simultan. Hasil analisis regresi menampilkan Y= 7, 432+ 0, 325X1+ 0, 523 X2, perihal ini menggambarkan arah regresi yang positif, maksudnya terdapat pengaruh yang positif antara X1 motivasi) serta X2 (moral kerja) terhadap kinerja( Y). Berarti kalau apabila variabel motivasi serta moral kerja bertambah sehingga bakal meningkatkan kinerja. Besarnya nilai koefesien determinasi yakni 0, 570.Perihal ini berarti bahwa X1( motivasi) serta X2 (moral kerja) mempengaruhi terhadap kinerja(Y) sebesar 57% sebaliknya sisanya 43% dipengaruhi oleh variabel- variabel yang lain yang tidak diteliti dalam riset ini. Hasil uji hipotesis secara parsial( uji t) ataupun secara terpisah dapat dilihat bahwa pengaruh motivasi terhadap kinerja memiliki nilai signifikan sebesar 0, 025<0, 05, pengaruh moral kerja terhadap kinerja mempunyai nilai signifikan sebesar 0, 001<0, 05. Maka dapat disimpulkan secara parsial variabel motivasi dan moral kerja memiliki pengaruh yang signifikan terhadap kinerja. pegawai pada Badan Pengelolaan Keuangan Daerah Kabupaten Seluma. Hasil uji hipotesis secara simultan (uji F) atau secara bersama-sama memiliki nilai signifikansi sebesar 0,000 kecil dari 0,05. Artinya variabel motivasi dan moral kerja memiliki pengaruh yang signifikan secara bersama-sama terhadap kinerja pegawai pada Badan Pengelolaan Keuangan Daerah Kabupaten Seluma.
Co-Authors A.A. Ketut Agung Cahyawan W Abi , Yudi Irawan Abi, Yudi Irawan Abrianto, Bimo Agusman Ameri Agustina Agustina Ahmad Soleh Aji Purnomo Akbar , Kaisar Alesandro, Cixo Alif Novliyan Alamsyah Amelia Amelia Ameri, Agusman Anamica, Marshello Andini , Fira Juli Andry Mochamad Ramdan Apit Fathurohman Aprian, Rio Apriana, Yesi Apriani, Denny Aprianti, Jesi Aprilia Azari Apriyadi Apriyadi, Apriyadi Aprizal , M Irpan Aprizal, M.Irpan Ardiansyah, Rivaldo Dwi Ariantara, Yudi Arianto, Tezar Arusdi Arusdi Arusdi, Arusdi Astuty , Kamelia Astuty, Kamelia Atharrafly , Muhammad Atharrafly, Muhammad Augusta, Bella Ayu Nopia Erniati Bara Calang Dewa Bela, Sinta Belli Liberti Bimo Abrianto Chandra, M. Jeffri Arlinandes Dadi Apriadi Damarsiwi, Eska Prima Monique Deli Efrianto Desi Maryani Desita, Ridha Tri Destina Paningrum Dewa , Bara Calang Dewi Harweni Dewi Harwini Dinda Yulistin Dona, Hesti Pestiko Donny Christopel Dora Wasi Effendi , Yanto Effriando, Millean Elenri, Heni Elisa Fitri Elvemas Nopentri Eno Pramino Erlin Priandi Erniati, Ayu Nopia Febliansa, M. Rahman Febriawan, Dandi Ferza Dwianda Afrimarsa Fira, Tiara Elma Fitri, Dwi Kusmita Fitriani, Asty Eka Gayatri, Ida Ayu Made Er Meytha Gayatri, Ida Ayu Made Ermeytha Gayatrie Ratna Bella Gempita Amellia Juniarti Gilang Fajar Utama halimah, rikeirafsanjani Hamid, Darwan Handayani, Sri Hanila , Siti HANUARSYAH , DWI Hanuarsyah, Dwi Hariyadi, Wahyu Herfianti, Meiffa Herlina, Yeni Herry Novrianda Hidayah, Nenden Restu I Wayan Adi Pratama Ica Devisa Agustina Ida Anggriani Ida Anggriani Ida Anggriani Ida Ayu Made Er Metha Gayatri Ikbal Wahyudi Ina Sintia Wati Irwandi, Abdurrahman Iswidana Utama Putra Iwi Karmita Sari Juniar, Intan Kamelia Astuty Karona Cahya Susena Kasari, Yosi Kencana, Putri Kurniawan, Kimas Kusnadi, Deky Laura, Fadila Putri Leoni Terry Lestari, Ayuni Wulan Lestari, Lisa Dwi Likasma, Fingkin Lisa Dwi Lestari Liza Yulianti Lola Vitaloka Lydia Gustina Putri Maulana, Sidik Melinda, Tri Febrina Meta Novita Mia Tri Agustina Mikaresti, Pamela Mu'min, Halek Muhammad Rahman Febliansa Muhammad Ridho Ariansyah Mukmin, Suprian fikril Mursana MW , Rahmat Nurwahid Nasution, Suswati Neri Susanti Nia Indriasari Nia Indriasari Nia Indriasari, Nia Nirta Vera Yustanti Nisah, Cintia Chairu Nori Dwi Apriandi Nur Augus Fahmi Nur Mohammad Syahputra Nurhalimah Tusadiyah Nurzam, Nurzam Ogriansyah, Gioni Okta Karneli, Okta Patrisia, Eka Salsa Prabowo, Devo Prananda , M. Akbar Prananda, M Akbar Pranata, Fheroansyah Ade Pratama, Meylan Pratama, Yoga Anugra Pratama, Yolan Agung Prawitasari, Andriyani Prayogo, Catur Panggih Priandi, Erlin Putra , Dwingki Marta Putra , Iswidana Utama Putra, Adisi Putra, Agung Pratama Putra, Dwingki Marta Putra, Edo Agus Putra, Iswidana Utama Putra, Jemi Putri , Lydia Gustina Putri Ramaddan Putri, Jessica Nadia Putri, Lidya Gustina Putri, Lydia Gustina Putri, Shofi Rahmadannia Radili, Putri Rafles, Fadhlu Rohman Dian Rafsanjani, Rikei Rahmi, Fathur Rajaliu, Haqil Ramadan Subhi Ramaddan, Putri Ramahdani, Dita Rasuma, Hafiz Agung Redi Redi Redi Redi Redi Ridha Tri Desita Rio Aprian Riri, Alita Riska Melda Sari Rizki , M. Gilang Rizki, Muhammad Gilang Robiansyah, Anton Royanti Royanti Royanti Rusminita, Esi Rydarto, Dennis Salsabila, Aldy Andhika Sandi, Zulia Saputra , Wahyu Adi saputra, Arzil azizah Saputra, Debi Tri Saputra Sari, Desti Rupita Selpi Ayu Lestari Sepliana, Rike Siti Hanila Siti Martini Sri Handayani Subhi, Ramadan Suhendar, Cecep Sukandi Andi Sulisti Afriani Sulisti Afriani, Sulisti Sulistiani Sulistiani, Sulistiani Sumadi, Delvi Suradilaga, Nanda Suswati Nasution Suswati Nasution Suwarni Suwarni Suwarni T, Oscar Julius Gamaliel Tawakal, Anzori Tri Febrina Tri Febrina Tri Febrina Melinda Tri Febrina Melinda Tri Febrina Melinda Tri Febrina Melinda, Tri Tri Lestari Tri Seira Febrisa Triasleni, Elza Septi Usi Aradela Vandri Salomo Lumban Gaol Viqi Al Candra Wagini Wagini Wagini, Wagini Wahyu Hariyadi Wahyudi, Ikbal Wahyuni, Amalia Wahyuningtias, Anggea Wasi, Dora Weni Wulandari Wijaya, Ermy Wike Safitri Wulandari, Melsa Yanti, Rina Trisna Yanto Efendi Yasa, Pri Yogha Yeni Herlina Yesi Indian Ariska Yessinia Febiola Nainggolan Yeti Hamlaini Yodista, Yodista Yohana Andriani Yudi Irawan Abi Yudi Irawan Abi Yulianti, Oni Yun Fitriano Yusmaniarti Yusuf Wahyudi Zelinda Prasentia Zoniarti , Zoniarti Zoniarti, Zoniarti Zulkifli Zulkifli