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All Journal Jurnal Ilmu Administrasi Bisnis Jurnal Akuntansi Multiparadigma The International Journal of Accounting and Business Society JURNAL ILMU PEMERINTAHAN JURNAL AKUNTANSI DAN BISNIS : Jurnal Program Studi Akuntansi Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen Cakrawala: Jurnal Litbang Kebijakan Jurnal Bisnis dan Kewirausahaan Jurnal Ilmiah Akuntansi dan Keuangan (JIAKu) Jurnal Strategi dan Bisnis Eduvest - Journal of Universal Studies Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen Journal of Economics, Entrepreneurship, Management Business and Accounting Jurnal Penelitian IPTEKS POLITICO
Hari Karyadi
Universitas Jember
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Neuroscience Social Sciences

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The Financial Performance Analysis of The Life and The General Insurance, and The Reinsurance in Indonesia through The Non-Solvency Ratio Approach Nurdiana Agustina; Ika Sisbintari; Hari Karyadi
JURNAL AKUNTANSI DAN BISNIS : Jurnal Program Studi Akuntansi Vol. 11 No. 2 (2025): November 2025
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jab.v11i2.16071

Abstract

The financial performance analysis is an assessment process by reviewing, calculating, measuring, interpreting, and then providing solutions to a company’s financial statements for at least two periods. This research uses the financial statement analysis theory. The purpose of this study is to analyze the financial performance of the insurance industry in Indonesia for the period 2020-2024. The analysis uses a quantitative-descriptive method with a financial ratio analysis approach in the form of the investment adequacy ratio, the liquidity ratio, and the ratio of cost to premium income. The focus of this study is the life insurance, the general insurance, and the reinsurance industries, which are analyzed both internally and externally of then regulatory industry standards. The analysis results conducted on the investment adequacy ratio indicate that the insurance industry complies with the minimum 100 percent value set by regulations. In the internal liquidity ratio, the company’s performance is still less liquid, but by industry standards, it is considered good because the current assets are greater than the current liabilities. Then, in the ratio of cost to premium income, the company’s management is inefficient, especially in the commission cost account, which requires a fair calculation considering that it is borne by policyholders in the form of premium payments. But, the insurance industry in this study is still a recommendation and choice for the nominee of policyholder who will join according to their needs.
Dynamic Governance Capability Modeling in Sidomulyo Village, Jember Regency Muhammad Zefri Kudus; Dina Suryawati; Hari Karyadi
POLITICO Vol. 25 No. 2 (2025): JURNAL POLITICO FISIPOL
Publisher : Universitas Muhammadiyah Jember Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/politico.v25i2.5039

Abstract

The research discusses the Digital Village program implemented by the Sidomulyo Village Government in Jember Regency. The digital village initiative is realized through the development of a digital village governance system that provides administrative services, disaster mitigation, an online marketplace, and a community complaint platform. In developing this digital governance system, the Sidomulyo Village Government collaborates with partners from the education sector, private sector, and local communities. Named "MallDesa," this digital governance system is continuously developed based on the needs of both the village government and its residents, earning recognition and awards from the district and provincial governments. The research aims to explore the Digital Village program using the dynamic governance approach proposed by Neo Boon Siong (n.d., 2007). This theoretical framework employs the dimension of capabilities as an analytical tool to examine the Digital Village program. The research methodology applied is quasi-qualitative. Data were collected through interviews and documentation, with informants selected using purposive sampling techniques. Data validity was ensured through data triangulation. Data analysis was conducted using domain analysis and taxonomic analysis models (Spradley). The findings indicate that adaptive capabilities—encompassing adaptive policy capability, village governance, collaboration, human resources, and an innovative organizational culture—serve as the core driving force behind governance dynamics
Pengaruh Social Media Marketing dan Brand Image Terhadap Keputusan Berkunjung Ke Desa Wisata Sidomulyo Di Kabupaten Jember Ari Ahmad Tamami; Yuslinda Dwi Handini; Hari Karyadi
Jurnal Ilmu Administrasi Bisnis Vol 13, No 3 (2024)
Publisher : Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jiab.2024.43223

Abstract

Abstract: Tourism is one of the potentials to improve the economy in the regions, one of which is in Jember district. Jember has a variety of tourism in it, one of which is the Tourism Village (Deswita) Sidomulyo is a tourist village based on educational, natural and cultural tourism. Competition in the tourism industry over time is getting tighter, requiring Deswita Sidomulyo to carry out its marketing strategy through social media marketing (SMM). SMM is a marketing strategy using social media as its means. Brand image is needed in a tourist destination. Brand image is the consumer's perception of a brand. A positive brand image of tourism can influence tourists' visiting decisions. This study examines the influence of SMM and brand image on visiting decisions to Sidomulyo Tourism Village in Jember Regency. This research uses a quantitative approach. The population in this study were all visitors to Deswita Sidomulyo. The sampling technique used purposive sampling, with a sample of 130 respondents. This study distributes questionnaires directly to visitors and then analyzed using multiple linear regression. The results of this study indicate that SMM and brand image simultaneously influence visiting decisions. Partially, SMM affects visiting decisions, brand image affects visiting decisions.Keywords: social media marketing; brand image; visiting decisionAbstraksi: Pariwisata menjadi salah satu potensi untuk meningkatkan perekonomian didaerah-daerah salah satunya di kabupaten Jember. Jember memiliki beragam wisata didalamnya, salah satunya yaitu Desa Wisata (Deswita) Sidomulyo merupakan desa wisata berbasis wisata edukasi, alam dan budaya. Persaingan dalam industri pariwisata seiring waktu semakin ketat, mengharuskan Deswita Sidomulyo melakukan strategi pemasarannya melalui social media marketing (SMM). SMM merupakan strategi pemasaran menggunakan media sosial sebagai sarananya. Brand image dibutuhkan pada suatu destinasi wisata. Brand image merupakan persepsi konsumen pada suatu merek. Brand image yang positif dari wisata dapat mempengaruhi keputusan berkunjung wisatawan. Penelitian ini menguji pengaruh SMM dan brand image terhadap keputusan berkunjung ke Desa Wisata Sidomulyo di Kabupaten Jember. Penelitian ini menggunakan pendekatan kuantitatif. Populasi dalam penelitian ini adalah seluruh pengunjung Deswita Sidomulyo. Teknik penarikan sampel penelitian ini menggunakan purposive sampling, dengan sampel berjumlah 130 responden. Penelitian ini menyebarkan kuesioner secara langsung kepada pengunjung dan selanjutnya di analisis menggunakan regresi linier berganda. Hasil penelitian ini menunjukkan SMM dan brand image berpengaruh secara simultan terhadap keputusan berkunjung. Secara pasrsial SMM berpengaruh terhadap keputusan berkunjung, brand image berpengaruh terhadap keputusan berkujung.Kata kunci: social media marketing; brand image; keputusan berkunjung.
Pengaruh Brand Image dan Celebrity Endorser Terhadap Minat Beli Konsumen Produk Skintific Yuniyu Qurratun ‘Ayun; Hari Karyadi; Yuslinda Dwi Handini
Jurnal Ilmu Administrasi Bisnis Vol 13, No 3 (2024)
Publisher : Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jiab.2024.43259

Abstract

Abstract: This study aims to determine the effect of brand image and celebrity endorsers on buying interest in Skintific. The approach in this study uses a quantitative approach and the type of research used is explanatory research using SPSS data analysis. The population in this study used Skintificid Instagram followers and was processed using the Yamane formula in order to determine the number of samples. The distribution of questionnaires in this study was carried out online using the google form link that has been provided and will then be processed and analyzed. The results of this study indicate that brand image has a significant positive effect on purchase intention, celebrity endorsers have a significant effect on purchase intention and brand image and celebrity endorsers have a simultaneous effect on purchase intention. The findings of this study indicate that the importance of brand image and celebrity endorsers to increase sales and consumer confidence in a product. Keywords: brand image; celebrity endorser; purchase intentionAbstraksi: Penelitian ini bertujuan untuk mengetahui pengaruh brand image dan celebrity endorser terhadap minat beli Skintific. Pendekatan pada penelitian ini menggunakan pendekatan kuantitatif dan jenis penelitian yang digunakan adalah explanatory research dengan menggunakan analisis data SPSS 26. Populasi pada penelitian ini menggunakan followers instagram @Skintificid dan diolah menggunakan rumus Yamane agar dapat mengetahui jumlah sampel. Penyebarkan kuesioner pada penelitian ini dilakukan secara online dengan menggunakan link google form yang telah disediakan dan selanjutnya akan diolah serta dianalisis. Hasil dari penelitian ini menunjukkan brand image berpengaruh postif signifikan terhadap minat beli, celebrity endorser berpengaruh signifikan terhadap minat beli serta brand image dan celebrity endorser berpengaruh simultan terhadap minat beli. Temuan penelitian ini menunjukkan bahwa pentingnya brand image dan celebrity endorser untuk meningkatkan penjualan dan kepercayaan konsumen akan suatu produk.Kata kunci: brand image; celebrity endorser; minat beli
IMPLEMENTASI BAURAN PEMASARAN PADA CAFE THE ANGLO SAXON TAVERN JEMBER Ahmad Biondi; Djoko Poernomo; Hari Karyadi
Jurnal Ilmu Administrasi Bisnis Vol 13, No 2 (2024)
Publisher : Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jiab.2024.41712

Abstract

Marketing strategy is a planning process that takes place continuously within a company to achieve company goals. Each company implements a marketing trategy that is different from other companies, one of which is the 7P marketing mix strategy which includes product, price, place, promotion, people, process, and physical evidence. The marketing strategy implemented by Cafe The Anglo Saxon Tavern is the 7P marketing mix strategy.Keywords: Marketing Strategy; Marketing Mix Strategi pemasaran adalah proses perencanaan yang berlangsung terus-menerus dalam sebuah perusahaan untuk mencapai tujuan perusahaan. Setiap perusahaan mengimplementasikan strategi pemasaran yang berbeda dari perusahaan lain, salah satunya adalah bauran pemasaran 7P yang mencakup produk, harga, tempat, promosi, orang, proses,dan bukti fisik. Strategi pemasaran yang dilaksanakan oleh Cafe The Anglo Saxon Tavern adalah strategi pemasaran 7P.Kata kunci: Strategi Pemasaran; Bauran Pemasaran
Joint Cost Allocation in Determining the Cost of Production in a Small Concrete Manufacturing Enterprise Hari Karyadi; Galih Wicaksono; Putri Fatmawati
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 3 (2026): Volume 4, Issue 3, May 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i3.821

Abstract

Purpose: This study examines the role of joint cost allocation in determining the cost of production in a small concrete manufacturing enterprise. Accurate cost calculation is essential because it influences pricing decisions, profitability, and business continuity. Design/methodology/approach: This study uses a descriptive qualitative approach. Data were collected through interviews, observation, and documentation involving the business owner and production workers. The analysis focuses on raw materials, direct labor, manufacturing overhead, and the allocation of joint costs across products. Findings/Results: The findings indicate that the company does not fully include several production cost components, particularly mixing labor and overhead costs such as electricity, fuel, and equipment depreciation. As a result, the reported cost of production is lower than the actual cost. Recalculation with proper joint cost allocation provides more accurate production cost information. Originality/Value: This study shows that proper joint cost allocation is important for improving cost accuracy in small manufacturing enterprises. More accurate production cost information can support better pricing, stronger financial management, and more sustainable business decisions
Pengaruh Café Atmosphere Dan Brand Image Terhadap Keputusan Pembelian (Studi Pada Konsumen J’bing Café & Resto 3 Probolinggo) Cindyta Intan Maulani; Yuslinda Dwi Handini; Hari Karyadi
Jurnal Ilmu Administrasi Bisnis Vol 15, No 2 (2026)
Publisher : Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jiab.2026.49848

Abstract

Abstract: The research aims to determine the influence of café atmosphere and brand image on purchasing decisions of J'bing 3 Probolinggo consumers both simultaneously and partially. The type of research used is explanatory research and the analytical tool used is multiple linear regression analysis. The population in this research are all J'Bing 3 Probolinggo consumers. The sampling technique used is non probability sampling with purposive sampling with a sample size of 104 respondents is taken. The result of this research are café atmosphere had a positive and significant influence on the purchasing decisions of J'bing 3 probolinggo consumers, brand image had a positive and significant influence on the purchasing decisions of J'bing 3 probolinggo consumers. Café atmosphere and brand image simultaneously have a positive and significant influence on purchasing decisions of J'bing 3 probolinggo consumers.Abstraksi: Penelitian ini bertujuan untuk mengetahui pengaruh café atmosphere dan brand image terhadap keputusan pembelian konsumen J’Bing 3 Probolinggo baik secara simultan maupun parsial. Jenis penelitian yang digunakan adalah explanatory research dan alat analisis yang digunakan adalah analisis regresi linier berganda. Populasi dalam penelitian ini adalah seluruh konsumen J’Bing 3 Probolinggo. Teknik pengambilan sampel menggunakan non probability sampling dengan purposive sampling dengan pengambilan jumlah sampel sebanyak 104 responden. Hasil penelitian menunjukkan bahwa café atmosphere berpengaruh positif dan signifikan terhadap keputusan pembelian konsumen J’Bing 3 Probolinggo, brand image berpengaruh positif dan signifikan terhadap keputusan pembelian konsumen J’Bing 3 Probolinggo. Café atmosphere dan brand image secara simultan berpengaruh positif dan signifikan terhadap keputusan pembelian konsumen J’Bing 3 Probolinggo.
Analisis Perbandingan Kinerja Keuangan Berdasarkan Pendekatan CAMEL (Studi di Bank BUMN dan Bank Swasta Nasional Tahun 2019-2023) khusnul dwi syahputri; Hari Karyadi; Ika Sisbintari
Jurnal Ilmu Administrasi Bisnis Vol 15, No 2 (2026)
Publisher : Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jiab.2026.49748

Abstract

Abstract: This research is entitled “Comparative Analysis of Financial Performance Based on the CAMEL Approach (Study at Bank BUMN and Bank Swasta Nasional in 2019-2023)”. The aim of this research is to examine and analyze: 1.) Differences in financial performance based on CAR between Bank BUMN and Bank Swasta Nasional; 2.) Differences in financial performance based on NPL between Bank BUMN and Bank Swasta Nasional; 3.) Differences in financial performance based on PDN between Bank BUMN and Bank Swasta Nasional; 4.) Differences in financial performance based on ROA between Bank BUMN and Bank Swasta Nasional; 5.) Differences in financial performance based on BOPO between Bank BUMN and Bank Swasta Nasional; 6.) Differences in financial performance based on LDR between Bank BUMN and Bank Swasta Nasional. The population in this research, namely 4 Bank BUMN and 95 Bank Swasta Nasional. The sample using purposive sampling consisting of 4 Bank BUMN and 4 Bank Swasta Nasional. The data analysis method used is the normality test and the mann-whitney test. The result of this research show that there are significant differences in financial performance based on CAR, NPL, and LDR, there are no significant differences in financial performance based on PDN, ROA, and BOPO..Abstrak: Penelitian ini berjudul “Analisis Perbandingan Kinerja Keuangan Berdasarkan Pendekatan CAMEL (Studi di Bank BUMN dan Bank Swasta Nasional Tahun 2019-2023”. Tujuan penelitian ini untuk menguji dan menganalisis: 1.) Perbedaan kinerja keuangan berdasarkan CAR antara Bank BUMN dan Bank Swasta Nasional; 2.) Perbedaan kinerja keuangan berdasarkan NPL antara Bank BUMN dan Bank Swasta Nasional; 3.) Perbedaan kinerja keuangan berdasarkan PDN antara Bank BUMN dan Bank Swasta Nasional; 4.) Perbedaan kinerja keuangan berdasarkan ROA antara Bank BUMN dan Bank Swasta Nasional; 5.) Perbedaan kinerja keuangan berdasarkan BOPO antara Bank BUMN dan Bank Swasta Nasional; 6.) Perbedaan kinerja keuangan berdasarkan LDR antara Bank BUMN dan Bank Swasta Nasional. Populasi penelitian ini adalah 4 Bank BUMN dan 95 Bank Swasta Nasional. Sampel penelitian ini menggunakan purposive sampling terdiri dari 4 Bank BUMN dan 4 Bank Swasta Nasional. Metode analisis data adalah uji normalitas dan uji mann-whitney. Hasil penelitian ini menyatakan terdapat perbedaan signifikan kinerja keuangan berdasarkan CAR, NPL, LDR, dan tidak terdapat perbedaan signifikan kinerja keuangan berdasarkan  PDN, ROA, dan BOPO.
Analysis of the Effect of Health Service Quality on Public Trust and Satisfaction I'in Alfiah; Hari Karyadi; Suji Suji
Eduvest - Journal of Universal Studies Vol. 5 No. 2 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i2.1671

Abstract

This research is intended to determine and explain the effect of health service quality on public trust and satisfaction (study at the Community Health Center Rogotrunan Lumajang Sub-District Lumajang Regency). This research uses a quantitative approach and is classified as explanatory research. The data collection technique used was a questionnaire. The population in this study was the entire population of Lumajang District, Lumajang Regency who used health services at the Rogotrunan Community Health Center, Lumajang Sub-District, Lumajang Regency. The research sample was determined as 100 respondents and the determination of respondents as samples used a simple random sampling method. The data analysis used to path analysis with a multiple linear regression approach which is analyzed with the Statistical Package for the Social Sciences (SPSS) software package. The results of the research show that there is an effect of service quality on public trust in the Rogotrunan Lumajang Sub-District Lumajang Regency. There is an effect of service quality on public satisfaction at the Rogotrunan Lumajang Sub-District Lumajang Regency. There is an effect of public trust on public satisfaction at the Rogotrunan Lumajang Sub-District Lumajang Regency. And, there is an effect of service quality on public satisfaction at the Rogotrunan Lumajang Sub-District Lumajang Regency through intervening public trust.
The Impact of Bureaucracy Simplification: The Experience of Lumajang District Aksanul Inam; Supranoto; Hari Karyadi
Jurnal Ilmu Pemerintahan : Kajian Ilmu Pemerintahan dan Politik Daerah Vol. 10 No. 2 (2025)
Publisher : Universitas Pancasakti Tegal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24905/jip.10.2.2025.145-153

Abstract

One of the efforts to make bureaucracy more effective and efficient is by simplifying the bureaucracy. This effort to simplify the bureaucracy was conveyed by Indonesian President Joko Widodo during his inauguration as the President of Indonesia for the second term on October 20, 2019. The simplification of bureaucracy involves reducing the bureaucratic span from 5 (five) levels to just 2 (two) levels. The Lumajang Regency Government, as one of the government institutions, has also implemented this bureaucratic simplification. There are 3 (three) sequential stages carried out, namely Simplification of Organizational Structure, Position Equalization, and Work System Adjustment. This research aims to describe the process, consistency, and impact of the implementation of the bureaucratic simplification policy within the Lumajang Regency Government. The theory used is the public policy implementation theory by Paul A. Sabatier and Daniel A. Mazmanian. This research employs a qualitative descriptive method with data collection techniques through interviews and documentation. The results of the study show that impact of implementing the bureaucratic simplification were found between the objectives and their operationalization, for example, the issuance of Ministerial Regulation PAN and RB Number 1 of 2023 concerning Functional Positions, which accommodates the conversion of SKP (employee performance targets) values into credit scores. This has led to functional officials no longer being professional in their fields. Regarding the impact of policy implementation, one of the negative impacts is that some functional officials cannot receive functional allowances in accordance with their functional positions because these positions should not be at the Regional Government level.
Co-Authors AA Sudharmawan, AA Ahmad Biondi Aksanul Inam Amellia, Radhitta Diena Ari Ahmad Tamami Aryo Prakoso Aulia Fuad Rahman Bambang Subroto Cindyta Intan Maulani Diah Ayu Wulandari Dina Suryawati Djoko Poernomo Djoko Poernomo Dwimahendrawan, Andrias Edy Wahyudi Galih Wicaksono Ghozali Maski I Ketut Mastika I'in Alfiah Ika Sisbintari Ika Sisbintari Ika Sisbintari khusnul dwi syahputri Kristina Dwi Wulandari Kristina Dwi Wulandari Lokaprasida, Prameshi Muhammad Zefri Kudus Nurdiana Agustina Putri Fatmawati Ramadhina, Raisha Rebecha Prananta, Rebecha Safitri, Fikca Ayuk Suji Suji Supranoto Sutrisno Sutrisno Viola, Elvina Grace Wahono, Puji Yuniyu Qurratun ‘Ayun Yuslinda Dwi Handini Yuslinda Dwi Handini Yuslinda Dwi Handini YuslindaDwi Handini Zarah Puspitaningtyas