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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Tarbawi: Jurnal Keilmuan Manajemen Pendidikan Journal of Research in Business, Economics, and Education Budimas : Jurnal Pengabdian Masyarakat Jurnal Fokus Manajemen Jurnal Multidisiplin Dehasen (MUDE) Jurnal Akuntansi, Manajemen dan Bisnis Digital Jurnal Dehasen Untuk Negeri Journal of Management, Economic, and Accounting Central Community Development Journal Jurnal Pusat Manajemen Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Jurnal Pakar Manajemen Jurnal Ekonomi, Manajemen, Bisnis, dan Akuntansi Social Sciences Journal Journal of Management, Economic, and Accounting Journal of Law, Social Science, and Management Review Journal of Applied Financial Management (JAFM) Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Iswidana Utama Putra
Universitas Dehasen Bengkulu
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Financial Performance Of Bumdes Maju Bersama, Durian Sebatang Village, South Bengkulu Regency Cindy Ramadani; Kresnawati Kresnawati; Iswidana Utama Putra
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 3 No. 1 (2026): Juni
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jemba.v3i1.1447

Abstract

The purpose of this study is to determine the financial performance of BUMDes Maju Bersama in Durian Sebatang Village, South Bengkulu Regency, during the 2022–2024 period. This research uses an explanatory research method. The results of the study show that the Liquidity Ratio (Current Ratio): BUMDes Durian Sebatang Village shows that the company's liquidity condition has increased from 1.33 in the year of 1999 with poor criteria, in 2023 to 1.53 quite good, in 2024 to 1.62 with fairly good criteria. Activity Ratio: Total Assets Turnover shows an increase in the efficiency of asset use in 2022 by 3.04% with good criteria, in 2023 by 6.76% with very good criteria and in 2024 by 12.7 with very good criteria. Solvency Ratio: Debt to Equity Ratio (DER) of BUMDes is 0% during 2022-2024, indicating that BUMDes is fully funded by equity and does not rely on debt, Profitability Ratio: Net Profit Margin (NPM) shows the calculation results for 2022 of 3.4% with less criteria, in 2023 of 6.8% with sufficient criteria, and in 2024 of 1.3% with very less criteria. Return on Equity (ROE): shows the standard results of Return On Equity (ROE) calculations from 2022-2024, the calculation results for 2022 of 3.4% with very less criteria, in 2023 of 7.13% with less criteria, and in 2024 of 7.5% with less criteria. Return on Assets (ROA) shows the standard results of the Return on Assets (ROA) calculation from 2022 to 2024. The calculation results for 2022 were 3%, which is considered inadequate, in 2023 it was 6%, which is considered adequate, and in 2024 it was 1%, which is considered very inadequate.
The Effect of Marketing Mix on Car Purchase Decisions at Agung Toyota Bengkulu Tiara Mayang Sari; Suwarni Suwarni; Iswidana Utama Putra
Social Sciences Journal Vol. 2 No. 3 (2026): Mei
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/soc.v2i3.711

Abstract

The purpose of this study was to determine the effect of product, price, place and promotion on car buying decisions at Agung Toyota Bengkulu. Researchers use a type of quantitative approach research. The method used is the questionnaire method. The sample used in this study was 125 respondents. The results showed that multiple linear regression showed Y = 16.639 + 0.229 (X1) + 0.159 (X2) + 0.113 (X3) + 0.274 (X4) + 4.202, meaning that there is a positive or unidirectional relationship between product, price, place and promotion on purchasing decisions at Agung Toyota Bengkulu. From the results of the product test (X1) it shows tcount 3.180 > ttable 1.657 and significance 0.002 < ttable 1.657 and significance 0.042 ttable 1.657 and significance 0.016 ttable 1.657 and significance 0.000 2.45, it can be concluded that accepting the hypothesis means that there is a simultaneous influence between product (X1), price (X2) place (X3) and promotion (X4) to the purchasing decision variable (Y) at Agung Toyota Bengkulu. This can be seen at the significance level of 0.000 <0.05.
Analysis of the Community Satisfaction Index (CSI) toward Public Services at Bengkulu City Regional Water Utility (PDAM) Gilang Fajar Utama; Tito Irwanto; Iswidana Utama Putra
Journal of Applied Financial Management Vol. 2 No. 1 (2026): Juni
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jafm.v2i1.1692

Abstract

Public service delivery represents one of the government's primary functions in fulfilling citizens' basic needs and improving the relationship between the state and society. One essential form of public service is the provision of clean water managed by Regional Water Utilities (PDAM). As a public service provider, the Bengkulu City Regional Water Utility (PDAM Tirta Hidayah) is expected to deliver high-quality, effective, and citizen-oriented services. This study aims to analyze the Community Satisfaction Index (CSI) regarding public services provided by PDAM Tirta Hidayah Bengkulu City. A descriptive quantitative approach was employed in this research. Data were collected through a community satisfaction survey administered to PDAM service users using a questionnaire developed based on the Regulation of the Minister of Administrative and Bureaucratic Reform of the Republic of Indonesia Number 14 of 2017 concerning Guidelines for Community Satisfaction Surveys in Public Service Delivery Units. The CSI was measured using nine service elements, namely service requirements, systems, mechanisms and procedures, completion time, costs or tariffs, service product specifications, service provider competence, service provider behavior, complaint handling, and facilities and infrastructure. The results indicate that the overall level of community satisfaction with the services provided by PDAM Tirta Hidayah Bengkulu City falls within the excellent category. Among the nine service elements evaluated, the highest scores were achieved by the elements of systems, mechanisms, and procedures and complaint handling, suggestions, and feedback, with converted index scores of 88.25 and 85.25, respectively. These findings demonstrate the clarity of service processes and the responsiveness of the service provider in addressing public complaints and feedback. Therefore, the quality of public services provided by PDAM Tirta Hidayah Bengkulu City can be considered highly satisfactory from the perspective of service users.
Fintech Services In Financial Inclusion In Jeranglah Rendah Village, South Bengkulu Regency Pongki Resmala Puteri; Kresnawati Kresnawati; Iswidana Utama Putra
Jurnal Akuntansi, Manajemen dan Bisnis Digital Vol 5 No 1 (2026): Januari
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jambd.v5i1.9829

Abstract

This study aims to analyze the role of financial technology (fintech) services in financial inclusion in Jeranglah Rendah Village, South Bengkulu Regency. This research employed a descriptive quantitative method using a survey approach with questionnaires distributed to 60 respondents who are active users of fintech services. The results show that fintech services have a positive and significant impact on improving access, usage, and quality of financial services in rural communities. Fintech simplifies transactions, expands access to formal financial institutions, and enhances economic efficiency. However, challenges remain, such as limited digital infrastructure and low financial literacy among some villagers. The findings highlight the importance of fintech as a digital tool to accelerate financial inclusion in rural areas and emphasize the need for government support in improving digital literacy and financial infrastructure.
The Influence of Price and Product Quality on Consumer Decisions to Purchase Oppo Smartphones in Bengkulu City M. Ronaldo Aprilio; Ermy Wijaya; Iswidana Utama Putra
Journal of Law, Social Science, and Management Review Vol. 2 No. 2 (2026): February
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/jlsmr.v2i2.629

Abstract

This objective of this research is to know influence of price and product quality toward customer decision to buy Oppo Smartphone in the Bengkulu City. Type of this research is descriptive quantitative approaches. The type of the data being used is the primary data obtained through the dissemination of questionnaires and observation. Respondent in the research are customer which bought of Oppo Smartphone in the Bengkulu City taking by proportional random sampling.  The respondent was used 115 respondents. Data analysis method were use multiple regression linear. Based on data analysis find out results that’s: (1) the price has a significant influence toward customer decision to buy Oppo Smartphone in the Bengkulu City; (2) the product quality has a significant influence toward customer decision to buy Oppo Smartphone in the Bengkulu City; and (3) the price and product quality by together has a significant influence toward customer decision to buy Oppo Smartphone in the Bengkulu City.
Analysis Of Business Feasibility Study Of Msme Bakso Bakar Dang In Manna, South Bengkulu Tharisa Qhumayira; Neri Susanti; Iswidana Utama Putra
Journal of Management, Economic, and Accounting Vol. 5 No. 1 (2026): January
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i1.1004

Abstract

The purpose of this study is to determine the financial feasibility of the Bakso Bakar Dang MSME business in Manna, South Bengkulu based on the results of the Business Feasibility Study Analysis from the financial aspect. Using the Net Present Value (NPV), Internal Rate of Return (IRR), Payback Period (PP), and Profitability Index (PI) methods. The type of research used in this study is descriptive research with a quantitative approach. The results show that the NPV value is Rp. 538.315.934 (positive), the IRR reaches 38,14%, the PP value in 2023 is 4,1 months and in 2024 increases to 4,4 months indicating that the investment capital of Rp. 138.652.000 can be returned in a short time and the PI value is 2,92. Based on these results, it can be concluded that the Bakso Bakar Dang MSME is feasible to run and has the potential for high financial profits.
The Effect Of Supervision And Work Discipline On Employee Performance At The General Criminal Investigation Directorate Office Of The Bengkulu Provincial Police Bara Calang Dewa; Yeni Herlina; Tito Irwanto; Iswidana Utama Putra
Jurnal Pakar Manajemen Vol. 2 No. 2 (2026): Maret
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/jpm.v2i2.513

Abstract

The purpose of this study is to determine the effect of supervision and work discipline on the performance of employees at the Bengkulu Regional Police Criminal Investigation Directorate. The population in this study consisted of all 112 employees at the Bengkulu Regional Police Criminal Investigation Directorate, with a sample size of 112 employees. The sampling technique used was cluster sampling. The data analysis technique used multiple linear regression: Y = 23.319+0.166X1+0.015X2, meaning that if supervision and work discipline are increased by 100%, employee performance will be 0.166 and 0.015, respectively. The results of the study show that by comparing the Fcount value with the Ftable value, it is known that the Ftable value is 3.757 > 3.16 and it can be concluded that supervision and work discipline have a significant effect on employee performance at the Bengkulu Regional Police Criminal Investigation Directorate Office. Based on the partial test, it is known that supervision has a positive and significant effect on the performance of employees at the Bengkulu Regional Police Headquarters' General Criminal Investigation Directorate with a sig value of 0.004 < alpha (0.05), while work discipline has a positive and insignificant effect on the performance of the Bengkulu Regional Police Headquarters' General Criminal Investigation Directorate with a sig value of 0.810 > alpha (0.05)
The Effect Of Traininig And Compensation On Employee Performance At Hotel Mercure In Bengkulu City Ferda Oktavia; Sulisti Afriani; Iswidana Utama Putra
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 2 No. 3 (2026): April
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/jemba.v2i3.424

Abstract

The purpose of this study is to determine the effect of training on employee performance, to identify the effect of compensation on employee performance, and to analyze the combined effect of training and compensation on employee performance at Hotel Mercure in Bengkulu City. The results of this study indicate the regression equation Y = 15.637 + 0.109X₁ + 0.463X₂ + e, showing that training (X₁) and compensation (X₂) have a positive effect on employee performance (Y). The coefficient of determination (R² = 0.371) indicates that training and compensation together can explain 37.1% of the variation in employee performance, while the remaining 62.9% is influenced by other factors outside this study.Partial test results show that training has a positive but not significant effect on employee performance (tcount 1.054 < ttable 1.670; sig. 0.296 > 0.05), while compensation has a positive and significant effect (tcount 4.756 > ttable 1.670; sig. 0.001 < 0.05). Simultaneously, the F-test results show that training and compensation have a positive and significant effect on employee performance (sig. 0.001 < 0.05). Overall, improving the training system and providing appropriate compensation can enhance employee performance at Hotel Mercure Bengkulu City.
Pengaruh Kepemimpinan Dan Sistem Shift Kerja Terhadap Work-Life Balance Karyawan SPBU Di Kecamatan Seluma Barat Listika Listika; Sulisti Afriani; Iswidana Utama Putra
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 2 No. 3 (2026): April
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/jemba.v2i3.622

Abstract

Work-life balance is an important aspect in creating employee well-being, particularly in the service sector that implements shift work systems such as gas stations. The balance between work demands and personal life is strongly influenced by leadership style and work schedule arrangements. Inappropriate leadership and poorly managed shift work systems may lead to work stress, fatigue, and a decline in employees’ quality of life.The purpose of this study is to analyze the effect of leadership and shift work systems on employees’ work-life balance, both partially and simultaneously, at gas stations in West Seluma District. This study is expected to provide empirical evidence regarding the role of leadership and shift work arrangements in supporting the balance between employees’ work responsibilities and personal lives..This study employed a quantitative approach using a total sampling technique involving 35 respondents. Data were collected through questionnaires that had been tested for validity and reliability. Data analysis was conducted using multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination with the assistance of SPSS software.The results showed that leadership has a positive and significant effect on employees’ work-life balance (Sig = 0.043), and the shift work system also has a positive and significant effect (Sig = 0.000). Simultaneously, both variables significantly affect work-life balance, as indicated by an F value of 191.267 with a significance level of 0.000. The coefficient of determination (R²) value of 0.923 indicates that 92.3% of the variation in work-life balance is influenced by leadership and shift work systems. Therefore, supportive leadership and fair, proportional shift work arrangements are important factors in maintaining employees’ work-life balance at gas stations.
Ease Of Use of The Dana E-Wallet Application in Costumer Satisfaction an Pee Store Resty Oktarisna; Iswidana Utama Putra; Aji Sudarsono
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 2 No. 4 (2026): July
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/jemba.v2i4.692

Abstract

Peestore Bengkulu, as one of the MSMEs, has implemented a digital payment system using DANA through QRIS. Most transactions in this store are conducted cashless, with DANA as the most dominant application used. This condition is influenced by the characteristics of consumers, the majority of whom are students and productive age groups who do not have bank accounts, so they choose DANA because it is easily accessible, practical, and has no monthly administration fees. This phenomenon became the basis for conducting research to analyze the effect of the ease of use of the DANA E-Wallet on consumer satisfaction. This study used a quantitative approach with a causal associative method on 97 respondents selected purposively, namely consumers who had transacted using DANA at the Peestore. The ease of use variable was measured through several main indicators, while consumer satisfaction was measured through indicators ranging from overall satisfaction to recommendation intention. The analysis was conducted through validity and reliability tests, simple linear regression, coefficient of determination, and t-test. The results showed that all instruments were valid and reliable (Cronbach's Alpha > 0.90). Descriptively, ease of use (3.77) and customer satisfaction (3.82) are in the high category. The regression equation Y = 2.517 + 0.946X with R² of 0.835 shows that 83.5% of customer satisfaction is influenced by ease of use. The t-test (21.943; sig 0.000) proves that there is a positive and significant effect.
Co-Authors Aditia Kurniawan Aji Sudarsono Andriyani Prawitasari Angga Trio Febriansyah Bara Calang Dewa Bella Augusta Aryati Cindy Ramadani Dennis Rydarto Tambunan Dinda Yulistin Dwiki Kurniawan Ferda Oktavia Gilang Fajar Utama Hasan Abdulah Heru Ramdhani Ida Anggriani Ida Anggriani Ida Ayu Made E M Gayatri Jusuf Wahyudi Kenny Steward Putra Kresnawati Kresnawati Kurniati Karim Listika Listika Lydia Gustina Putri M. Ronaldo Aprilio Melly Susanti Melly Susanti Miswan Basrudin Bondar Muhammad Rahman Febliansa Muhammad Syukur Al Hidayat Neri Susanti Nia Indriasari Nirta Vera Yustanti Nopriansah Nopriansah Nurzam Olan Rizki Pongki Resmala Puteri Rama Triansyah Putra Resty Oktarisna Reza, Heru Kreshna Risky Afandra Siti Munawaroh Sri Wahyuni Sulisti Afriani Suswati Nasution Suwarni Tawakal, Anzori Tharisa Qhumayira Tiara Mayang Sari Tito Irwanto Tri Seira Febrisa Tri Wahyu Ningsih Wagini Wijaya, Ermy Yeni Herlina Yesi Indian Ariska Yessinia Febiola Nainggolan Yolan Agung Pratama Yudi Irawan Abi