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Pengaruh Literasi Keuangan dan Gaya Hidup terhadap Pengelolaan Keuangan pada Member Gym di PT Kiduanam Zamrud Sejahtera (USB Fitness) Leo Rafi Pratama; Usran Masahere; Asep Asep
Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan Vol. 3 No. 4 (2025): AGUSTUS : Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/maeswara.v3i4.2147

Abstract

This study investigates the influence of financial literacy and lifestyle on financial management among gym members at USB Fitness. Financial literacy refers to the ability to understand and apply financial concepts, while lifestyle encompasses spending patterns, consumption preferences, and daily habits. Low financial literacy combined with a high-consumption lifestyle can negatively impact personal financial management, potentially leading to poor budgeting, excessive debt, and limited savings.The research adopts a quantitative approach using a survey method, with data collected through structured questionnaires distributed via Google Forms. The population comprises 60 registered gym members, from which a sample of 52 respondents was determined using the Slovin formula with a margin of error of 5%. Data analysis techniques involve both partial (t-test) and simultaneous (F-test) hypothesis testing to assess the effects of the independent variables—financial literacy and lifestyle—on the dependent variable, financial management.The t-test results indicate that financial literacy has a positive and significant effect on financial management (t-count = 6.384 > t-table = 2.00958; p-value = 0.000 < 0.05), suggesting that higher financial literacy levels contribute to more effective personal financial practices. Conversely, lifestyle shows no significant effect on financial management (t-count = -0.013; p-value = 0.990 > 0.05), indicating that lifestyle variations among respondents do not directly determine their financial management capabilities.Simultaneous testing through the F-test reveals that financial literacy and lifestyle together have a significant influence on financial management (F-count = 21.333 > F-table = 3.191; p-value = 0.000 < 0.05). This suggests that while lifestyle alone may not significantly impact financial management, its interaction with financial literacy can influence financial outcomes.The study concludes that improving financial literacy among gym members is essential for enhancing financial management skills, while lifestyle modifications may only be impactful when supported by strong financial knowledge.
Analisis Kinerja Menggunakan Metode Balanced Scorecard Pada Pegawai di Kantor DisperindagKUKM Kabupaten Kebumen Alfia Annisa; Usran Masahere; Asep
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 7 No. 1 (2026): January
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v7i1.3014

Abstract

Penelitian ini menganalisis kinerja pegawai di Kantor DisperindagKUKM Kabupaten Kebumen menggunakan metode Balanced Scorecard. Permasalah utama yang dihadapi meliputi keterbatasan pengukuran kinerja yang berfokus pada aspek administrativ dan keuangan, tanpa mempertimbangkan indikator strategis seperti kualitas layanan public dan pengembangan SDM. Penelitian ini bertujuan untuk mengevaluasi kinerja dari empat perspektif: keuangan, pelanggan, proses bisnis internal, serta pembelajaran dan pertumbuhan.Metode penelitian menggunakan pendekatan kuantitatif non-statistik dengan analisis deskriptif. Hasil penelitian ini menunjukan bahwa secara keseluruhan kinerja instansi berada dalam kategori baik. Dari perspektif pelanggan, terjadi peningkatan indeks kepuasan Masyarakat dari triwulan pertama 89,83 menjadi 91,49 pada triwulan kedua. Pada perspektif proses internal, 64,8% pegawai menilai kinerja sangat baik, meskipun terdapat tantangan dalam penyelesaian pekerjaan tepat waktu dan pemanfaatan teknologi. Sementara itu, perspektif pembelajaran dan pertumbuhan mengungkapkan Tingkat kedisiplinan pegawai sebesai 1,37% keterlambatan, namun masih terdapat kekurangan dalam program pelatihan dan tingginya angka mutase pegawai (44,44%).Berdasarkan penelitian tersebut, peneliti ini merekomendasikan perbaikan sistem pengukuran kinerja yang lebih holistic, peningkatan pelatihan berbasis kompetensi, serta penguatan strategi retensi pegawai. Hasil penelitian diharapkan menjadi acuan bagi pengambilan kebijakan untuk meningkatkan kualitas layanan public dan pengembangan SDM lingkungan pemerintah Daerah.
Analisis Kinerja Menggunakan Metode Balanced Scorecard Pada Pegawai di Kantor DisperindagKUKM Kabupaten Kebumen Alfia Annisa; Usran Masahere; Ulta Rastryana; Syabrinildi
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 7 No. 1 (2026): January
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v7i1.3343

Abstract

Penelitian ini menganalisis kinerja pegawai di Kantor DisperindagKUKM Kabupaten Kebumen menggunakan metode Balanced Scorecard. Permasalah utama yang dihadapi meliputi keterbatasan pengukuran kinerja yang berfokus pada aspek administrativ dan keuangan, tanpa mempertimbangkan indikator strategis seperti kualitas layanan public dan pengembangan SDM. Penelitian ini bertujuan untuk mengevaluasi kinerja dari empat perspektif: keuangan, pelanggan, proses bisnis internal, serta pembelajaran dan pertumbuhan.Metode penelitian menggunakan pendekatan kuantitatif non-statistik dengan analisis deskriptif. Hasil penelitian ini menunjukan bahwa secara keseluruhan kinerja instansi berada dalam kategori baik. Dari perspektif pelanggan, terjadi peningkatan indeks kepuasan Masyarakat dari triwulan pertama 89,83 menjadi 91,49 pada triwulan kedua. Pada perspektif proses internal, 64,8% pegawai menilai kinerja sangat baik, meskipun terdapat tantangan dalam penyelesaian pekerjaan tepat waktu dan pemanfaatan teknologi. Sementara itu, perspektif pembelajaran dan pertumbuhan mengungkapkan Tingkat kedisiplinan pegawai sebesai 1,37% keterlambatan, namun masih terdapat kekurangan dalam program pelatihan dan tingginya angka mutase pegawai (44,44%).Berdasarkan penelitian tersebut, peneliti ini merekomendasikan perbaikan sistem pengukuran kinerja yang lebih holistic, peningkatan pelatihan berbasis kompetensi, serta penguatan strategi retensi pegawai. Hasil penelitian diharapkan menjadi acuan bagi pengambilan kebijakan untuk meningkatkan kualitas layanan public dan pengembangan SDM lingkungan pemerintah Daerah.
THE INFLUENCE OF LEADERSHIP STYLE AND WORK MOTIVATION ON THE PERFORMANCE OF CONSUMER LENDING UNIT EMPLOYEES AT BANK BTN BEKASI BRANCH OFFICE Muhamad Fauzil Adzim; Usran Masahere; Fadli Ilyas
Akrab Juara : Jurnal Ilmu-ilmu Sosial Vol. 11 No. 2 (2026): Mei
Publisher : Yayasan Azam Kemajuan Rantau Anak Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58487/akrabjuara.v11i2.2781

Abstract

This study aims to analyze the influence of leadership style and work motivation on employee performance at the consumer lending unit of Bank BTN Bekasi branch office. The method used in this study is quantitative statistics by distributing questionnaires through Google Forms, the population in this study consisted of 58 employees of the consumer lending unit of Bank BTN Bekasi branch office. Data sources used in this study include primary and secondary data, data processing methods used, descriptive analysis, multiple regression analysis, coefficient of determination and hypothesis testing. Based on the results of the study, it shows that the leadership style variable has a positive influence on employee performance, while work motivation does not affect employee performance. Simultaneously, there is an influence of leadership style and work motivation on employee performance. This is proven based on the calculated F value of 17.066 which means that the calculated F > F table of 3.168 (17.066 > 3.168). In addition, the resulting significance value is 0.000, which is smaller than the significance level of 0.05 (0.000 < 0.05).
Pengaruh Pertumbuhan Aset dan Struktur Modal Terhadap Profitabilitas Perusahaan Pada PT. Asuransi Buana Independent Dio Rahma Fauzi; Ana Ramdhayanti; Usran Masahere
Jurnal Riset dan Inovasi Manajemen Vol. 1 No. 4 (2023): November: Jurnal Riset dan Inovasi Manajemen
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jrim-widyakarya.v1i4.1404

Abstract

This study aims to examine the effect of asset growth and capital structure on profitability either simultaneously or partially. The population in this study are several employees of PT. Asuransi Buana Independent, totaling 97 people, the selection of the research sample was based on the slovin sampling technique with random sampling. And the data analysis method used is descriptive and multiple linear regression analysis, the results of this study show that the regression equation is the Profitability value Y = 4,548 asset growth and 6,479 capital structure. The results of this test show that asset growth has a significant effect on profitability, and also capital structure has a significant effect on profitability because the tcount is greater than ttable.
Pengaruh Kualitas Pelayanan Dan Fasilitas Kesehatan Terhadap Tingkat Kepuasan Pasien Di Puskesmas Pegadungan 1: The Influence of the Quality of Health Services and Facilities on Patient Satisfaction Level at Pegadungan Health Center 1 Guntur Setiawan Putra; Usran Masahere
Jurnal Mnajemen | Ekonomi | Akuntansi Vol 2 No 4 (2026): September 2026 - November 2026
Publisher : CV Warnak Johanna Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63921/jmaeka.v2i4.545

Abstract

This study aims to analyze the effect of service quality and health facilities on patient satisfaction at Pegadungan 1 Community Health Center. The population of this study consisted of all patients at Pegadungan 1 Community Health Center during the research period, with a sample of 54 respondents. Data were collected through observation, questionnaire distribution, and literature review. The data analysis techniques included data quality testing, reliability testing, classical assumption testing, and multiple linear regression analysis using SPSS software. The results indicate that all research instruments were valid and reliable. Classical assumption testing shows that the data were normally distributed and free from multicollinearity, thus meeting the assumptions of regression analysis. The multiple linear regression analysis shows that service quality and health facilities have a positive and significant effect on patient satisfaction, both partially and simultaneously (p < 0.05). The Adjusted R Square value of 0.794 indicates that service quality and health facilities explain 79.4% of the variation in patient satisfaction, while the remaining 20.6% is influenced by other variables outside this study.
Analisis program pelatihan dan pengembangan dalam meningkatkan kinerja menggunakan metode IN DEEPTH INTERVIEW pada karyawan PT Mangul Jaya Bekasi Eliza Indriyani; usran masahere; asep
Jurnal Pengabdian Cendekia Vol. 2 No. 1 (2026): Jurnal Pengabdian Cendekia
Publisher : PT Pustaka Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71417/jpc.v2i1.94

Abstract

Pelatihan dan pengembangan sumber daya manusia memiliki peranan penting dalam meningkatkan kinerja karyawan di suatu organisasi. Penelitian ini bertujuan untuk menganalisis efektivitas program pelatihan dan pengembangan dalam meningkatkan kinerja karyawan PT Mangul Jaya Bekasi. Metode penelitian yang digunakan adalah kualitatif dengan teknik in depth interview, yang berfokus pada pemahaman mendalam terhadap persepsi dan pengalaman karyawan mengenai pelaksanaan program tersebut. Hasil penelitian menunjukkan bahwa program pelatihan dan pengembangan yang diterapkan telah memberikan dampak positif terhadap peningkatan keterampilan, produktivitas, dan motivasi kerja karyawan. Namun demikian, masih diperlukan perbaikan pada aspek perencanaan dan evaluasi agar pelaksanaan program lebih berkelanjutan dan tepat sasaran. Secara keseluruhan, program pelatihan dan pengembangan di PT Mangul Jaya terbukti mampu mendukung peningkatan kinerja karyawan secara signifikan.
Pengaruh Motivasi Kerja Dan Disiplin Kerja Terhadap Produktivitas Kerja Karyawan di CV. Yon Mitra Abadi Usran Masahere; Tri Lestari; Selly Tri Rosanti
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 1: November 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i1.5479

Abstract

This study aims to determine the effect of work motivation and discipline on work productivity at CV Yon Mitra Abadi, a company procuring goods and services. The study involved 45 respondents using a saturated sampling technique. The method used is quantitative, with data collected through research instruments and data analysis conducted using SPSS 27. The analysis results show that work motivation does not significantly affect employee productivity (count 1.220 < table 2.018, significance 0.229 > 0.05). However, work discipline has a positive and significant effect on productivity (tcount 2.118 > ttable 2.018, significance 0.040 < 0.05). Simultaneously, motivation and work discipline together have a positive and significant impact on work productivity (Fcount 102.491 > Ftable 3.22, significance 0.050 < 0.05). This study shows that work discipline has a greater influence on increasing productivity compared to motivation.
Pengaruh Motivasi dan Disiplin Kerja Terhadap Produktivitas Kerja Karyawan Toko Indomaret Angelia Juniarsih; Ana Ramadhayanti; Usran Masahere
Jurnal Administrasi Bisnis Vol. 3 No. 2 (2023): November 2023
Publisher : LPPM Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/jab.v3i2.2431

Abstract

Penelitian ini dilakukan untuk mengetahui seberapa pengaruh motivasi dan disiplin kerja kepada produktivitas kerja toko indomaret. Populasi dalam penelitian ini sebanyak 72 karyawan yang ada pada toko indomaret, dengan menggunakan sampel jenuh yaitu seluruh karyawan toko indomaret. Data yang diolah menggunakan SPSS 26. Dengan di lakukan uji validitas, uji reliabilitas, uji normalitas, uji multikolinearitas, dan uji heteroskedastisitas. Teknik analisa data yang digunakan adalah regresi linear berganda, uji t (parsial), uji f (simultan), dan Uji R Square. Hasil penelitian ini menunjukan bahwa Berdasarkan hasil Uji T nilai Sig untuk pengaruh motivasi terhadap produktivitas kerja sebesar 0,015 < 0,05 dapat disimpulkan bahwa variabel motivasi berpengaruh signifikan terhadap variabel produktivitas kerja. Berdasarkan hasil Uji T nilai Sig untuk pengaruh disiplin kerja terhadap produktivitas kerja sebesar 0,000 < 0,05 dapat disimpulkan bahwa variabel disiplin kerja berpengaruh signifikan terhadap variabel produktivitas kerja. Berdasarkan hasil Uji F bahwa nilai signifikansi untuk pengaruh variabel motivasi dan disiplin kerja secara simultan terhadap produktivitas kerja sebesar 0,000 < 0,05 dan nilai Fhitung 20,533 > Ftabel 3,130, dapat disimpulkan bahwa variabel motivasi dan disiplin kerja berpengaruh secara simultan terhadap variabel produktivitas kerja Keyword: Motivasi, Disiplin Kerja, dan Produktivitas Kerja
Analisis Kinerja Perusahaan Menggunakan Metode Balance Scorecard Pada PT Berkat Anugerah Plasindo Pratama : Company Performance Analysis Using the Balance Scorecard Method at PT Berkat Anugerah Plasindo Pratama Yenny Suheni; Usran Masahere
Jurnal Mnajemen | Ekonomi | Akuntansi Vol 2 No 4 (2026): September 2026 - November 2026
Publisher : CV Warnak Johanna Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63921/jmaeka.v2i4.522

Abstract

In facing increasingly competitive business conditions, every company needs an effective performance measurement system to remain competitive and achieve long-term goals. This study aims to analyze the performance of PT. Berkat Anugerah Plasindo Pratama using the Balanced Scorecard (BSC) method developed by Kaplan and Norton. The Balanced Scorecard evaluates organizational performance through four main perspectives: financial, customer, internal business processes, and learning and growth. This research applies a descriptive quantitative approach, focusing on PT. Berkat Anugerah Plasindo Pratama, a company engaged in the plastic manufacturing industry. The data were collected through observation, interviews, and documentation during the period of October to December 2025. The analysis results indicate that the company performs well in financial and customer perspectives but requires improvement in internal business process efficiency and human resource development. The implementation of the Balanced Scorecard is expected to assist the company in evaluating performance comprehensively, identifying supporting and inhibiting factors, and providing a foundation for strategic decision-making. Through continuous evaluation using the BSC approach, the company can enhance effectiveness, efficiency, and competitiveness in the plastic manufacturing industry