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All Journal JURNAL MANAJEMEN BISNIS Quantitative Economics and Management Studies Indonesian Journal of Engagement, Community Services, Empowerment and Development (IJECSED) Patria Artha Journal of Community J-Alif : Jurnal Penelitian Hukum Ekonomi Syariah dan Budaya Islam Golden Ratio of Mapping Idea and Literature Format Jurnal Manajemen Perbankan Keuangan Nitro Jurnal Masyarakat Madani Indonesia Paradoks : Jurnal Ilmu Ekonomi JURSIMA International Conference on Islamic Economic
Dhita Pratiwi AR
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Religion Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Library & Information Science Mathematics Public Health Social Sciences Other

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Strategies to Improve Service Quality Through Digitalization of Banking Services at PT. Bank Negara Indonesia (Persero) Tbk Daga, Rosnaini; Nawir, Fadliyani; Pratiwi, Dhita
Quantitative Economics and Management Studies Vol. 2 No. 5 (2021)
Publisher : Yayasan Ahmar Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (298.18 KB) | DOI: 10.35877/454RI.qems359

Abstract

The strategy of improving service quality through the digitalization of services is a strategy that a company uses to develop digital-based services to answer consumers' increasingly digital needs. Likewise, the banking business continues to innovate to improve the quality of its services. The digitization of banking services is one strategy that can answer problems that occur in terms of improving the quality of banking services. PT. Bank Negara Indonesia Central Jakarta has implemented digitalization of services for the last 3 (three) years. It can be seen from the annual report and internal interviews that Bank Negara Indonesia has achieved good performance targets. However, several obstacles are faced in implementing the digitalization strategy for services such as legacy IT systems. This work culture is not yet digital and poor coordination between BNI's internal divisions. Some of these things need to be considered more seriously to achieve PT. Bank Negara Indonesia's vision and mission.
Faktor-faktor yang Mempengaruhi Nasabah Memilih Tabungan Simpedes pada PT. Bank Rakyat Indonesia (Persero), Tbk. Unit Borong Raya : English Dhita Pratiwi AR; Asriyani Fabanyo; Karta Negara Salam; Asmawiyah Asmawiyah; Herenal Daeng Toto
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 5 No. 2 (2022): Juli 2022
Publisher : LP2M IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56858/jmpkn.v5i2.75

Abstract

Tujuan penelitian ini adalah untuk mengetahui dan mengananlisis faktor-faktor yang mempengaruhi nasabah memilih tabungan Simpedes pada PT. Bank Rakyat Indonesia (Persero) Tbk, unit Borong Raya. Jenis penelitian yang dilakukan dalam penelitin ini adalah kuantitatif. Sumber data yang dilakukan penelitian ini yaitu data primer. Populasi dalam penelitian ini adalah seluruh nasabah Simpedes pada PT. Bank Rakyat Indonesia (Persero). Tbk, Unit Borong Raya. Pengambilan data dilakukan secara Purposive Sampling. Kuesioner yang dibagikan sebanyak 100. Metode analisis data yang digunakan dalam penelitian ini yaitu menggunaan teknik analisis faktor dengan bantuan IBM SPSS Statistic 22. Hasil penelitian ini menunjukan bahwa faktor yang mempengaruhi keputusan nasabah memilih tabungan simpedes pada PT. Bank Rakyat Indonesia (Persero). Tbk, Unit Borong Raya yaitu faktor sosial, jaringan tersebar luas, citra bank, pencadangan keperluan mendadak dan program undian. Karena sebab itu, faktor dominan yang mempengaruhi nasabah memili tabungan simpedess pada PT. Bank Rakyat Indonesia (Persero). Tbk, yaitu faktor sosial.
Donasi Al Qur’an Di Masa Pandemi Covid-19 Untuk Mesjid, Taman Pendidikan Al-Qur'an Dan Panti Asuhan Rosnaini Daga; Karta Negara Salam; Fadliyani Nawir; Dhita Pratiwi
Jurnal Masyarakat Madani Indonesia Vol. 1 No. 3 (2022): November
Publisher : Alesha Media Digital

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (858.597 KB) | DOI: 10.59025/js.v1i3.30

Abstract

Pandemi Covid-19 berdampak besar ke berbagai dimensi kehidupan Masrakyat Indonesia. Bukan hanya dalam aspek kesehatan dan perekonomian, namun juga masuk ke sendi kehidupan pendidikan dan lembaga keagamaan masyarakat Indonesia. Pada kegiatan ini tim membagikan sebanyak 2.000 Al qur’an ke berbagai Mesjid, Panti Asuhan, dan Taman Pendidikan Al Qur’an (TPA) di tengah pandemi covid-19, dengan tujuan mengajak masyarakat agar lebih peduli terhadap agama, Para jama’ah Masjid agar lebih rajin membaca Al Qur’an, para santri Taman Pendidikan Al Qur’an agar lebih rajin menghafal Al Qur’an dan terutama bagi anak yatim piatu agar lebih rajin membaca Al Qur’an yang di Donasikan. Donasi Al Qur”an ini dibagikan ke beberapa Kabupaten/Kota di Sulawesi Selatan hingga ke pelosok-pelosok. Salah satu tujuan dari Penyaluran Donai Al Qur’an ini adalah Untuk meningkatkan semangat baca Al Qur’an bagi ummat Islam di tengah Pandemi Covid 19 dan pasca Pandemi Covid 19. Akibat dari Pandemi, bukan hanya mengganggu Sektor Kesehatan, Sektor Ekonomi, tapi juga mengganggu mental masyarakat.
ANALISIS TINGKAT KEPUASAN PENGGUNA APLIKASI PEGADAIAN DIGITAL SERVICE DI PT. PEGADAIAN UNIT PANAIKANG MAKASSAR Renny Mointi; Nurfadilah Nurfadilah; Madrianah Madrianah; Dhita Pratiwi Ar; Rusli Rusli
JURSIMA (Jurnal Sistem Informasi dan Manajemen) Vol 11 No 1 (2023): Volume 11 Nomor 1 2023
Publisher : INSTITUT TEKNOLOGI DAN BISNIS INDOBARU NASIONAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47024/js.v11i1.544

Abstract

In the business world, especially banking and non-banking, it has been very advanced, in order to remain on the stage of business competition, these institutions have made many technological innovations in their companies in order to provide the best facilities to customers so that they feel satisfied and remain loyal in the company. Customer satisfaction is one of the most important factors because it involves a person's feelings of pleasure or disappointment that arise after comparing perceptions or impressions of the performance or results of a product and its expectations. This study aims to analyze the level of user satisfaction with the digital service pawnshop application at PT. Pegadaian Unit Panaikang Makassar. The method used is gap analysis using the SPSS V. 20 program. 20. The data was tested with validity and reliability tests using SPSS V.20. The data obtained is valid because the significant value of each statement item is> 0.20, while the resulting data reliability test is> 0.6 with a performance of 0.642, and expectations of 0.691, so the research instrument is declared reliable. The research results obtained by the author show that the user satisfaction of the Pegadaian Digital Service application is very satisfying because> 69.
Interrelation of Zakat Literacy, Social Behavior and Perceived Value on Intention of paying Zakat Dhita Pratiwi Ar; Karta Negara Salam; Ceskakusumadewi B; Muhammad Rizal; Panus Panus
International Conference on Islamic Economic (ICIE) Vol 3 No 1 (2024): April
Publisher : Sekolah Tinggi Ilmu Bahasa Arab Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v3i1.341

Abstract

: Through data from Puskas Baznas (2022), measurement results in the Sulawesi Region were found in general, the value of the Zakat Literacy Index in 2020 falls into the literacy level category moderate, namely 65.73 where the value of basic understanding gets a score of 71.30 (literacy level moderate) and the value of advanced understanding of zakat is included in the literacy level category the low is 55.40. It can be concluded that in the Sulawesi Region the level pRespondents' understanding of aspects of basic knowledge falls into the sufficient category baik, but the respondents' understanding of the aspects of zakat management in the institution official zakat is still relatively low. The purpose of this research is to find out whether Zakat literacy affects the intention to give zakat, how does social behavior influence the intention of paying zakar, then to find out the perceived value as a mediating variable affect the intention to tithe. This research is an associative quantitative, with non-technical probability sampling. The object of this research is muzakki with different backgrounds in Makassar which is easy to reach. Respondents were rounded up to 100 people collected through a questionnaire, with an ordinal scale, which is distributed to respondents to determine literacy, social behavior, perceived value and intention of muzakki. Data analysis method used in this study moderation uses SmartPLS by entering all data and tested convergent validity, discriminant validity, and significance test.
Gen-Z Marketing Strategies: Understanding Consumer Preferences and Building Sustainable Relationships Salam, Karta Negara; Singkeruang, A. We Tenri Fatimah; Husni, M. Fahrul; Baharuddin, B.; A.R, Dhita Pratiwi
Golden Ratio of Mapping Idea and Literature Format Vol. 4 No. 1 (2024): July - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v4i1.351

Abstract

In the contemporary digital landscape, marketing strategies have become increasingly intricate due to the influence of Generation Z, a significant consumer group born between the mid-1990s and the early 2010s. This generation, labeled as "digital natives," presents unique challenges and opportunities for marketers, given their adeptness with technology and distinct shopping behaviors. To address these challenges, this research aims to conduct a thorough analysis of Generation Z's consumer preferences and effective marketing strategies for building sustainable relationships with them. Drawing from a multitude of qualitative studies spanning from 2010 to 2024, this study employs a systematic review approach to extract insights into Generation Z's preferences and behaviors. By synthesizing qualitative data and employing thematic analysis, the research uncovers recurring patterns, emerging trends, and socio-cultural influences shaping Generation Z's consumer behavior. Furthermore, the study explores the shift in preferences from physical products to experiences and the added value provided by brands. Key findings highlight Generation Z's inclination towards brands prioritizing social values, environmental concerns, and sustainability, as well as their reliance on social media influencers and preference for personalized experiences. The insights gleaned from this research are expected to provide valuable guidance for companies seeking to tailor their marketing strategies to effectively engage and resonate with Generation Z, thereby remaining competitive in the dynamic consumer market.
Social Preneurship Training For Rappokaling Pkk Women Of Makassar City Daga, Rosnaini; Negara Salam, Karta; Hamdat, Aminuddin; Pratiwi Ar, Dhita
Patria Artha Journal of Community (PKM) Vol 1, No 1 (2021): Patria Artha Journal of Community
Publisher : Universitas Patria Artha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33857/pajoco.v1i1.436

Abstract

This activity is purposed to support the welfare of urban communities through empowerment and gender approaches, namely the empowerment of women through Family Welfare Program by fostering social development in PKK organizations and activities. Method : This activity was carried out by providing skills training according to partner interests then partners will be able to produce superior products that have the economic value needed by the market. In order to produce a product with high economic value. The efforts to foster social development, entrepreneurship that has social goals (welfare of the community) and is based on social activities, partners will also be given training on entrepreneurial motivation and entrepreneurial managerial skills, which includes production management, financial management, simple accounting and marketing management. The assistance is provided to partners, so that efforts to foster social preneur activities in Family Welfare activities can be realized and run well.  
Optimalisasi Metode Akad Jual Beli Tanah Kavling Dengan Pendekatan Shariah Enterprise Theory (SET) Pratiwi Ar, Dhita; Hamdat, Aminuddin; Ramlah, Ramlah; Madrianah, Madrianah; Salam, Karta Negara
J-Alif : Jurnal Penelitian Hukum Ekonomi Syariah dan Budaya Islam Vol 8, No 2 (2023): J-Alif, Volume 8, Nomor 2, November 2023
Publisher : Fakultas Agama Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35329/jalif.v8i2.4048

Abstract

Sharia Enterprise Theory (SET) hadir dalam memberikan pertanggungjawaban, utamanya kepada Allah SWT. (akuntabilitas horizontal) kemudian dijabarkan dalam bentuk pertanggungjawaban kepada manusia dan lingkungan alam (akuntabilitas vertikal). Shariah Enterprise Theory mengajarkan bahwa hakikat kepemilikan utama berada pada kekuasaan Allah, sementara manusia hanya diberi hak untuk mengelola (khalifah fil ardhi). Kavling syariah memiliki beberapa kelebihan diantaranya harga yang ditawarkan lebih murah dari properti lain. Tujuan dari penelitian ini adalah untuk menganalisis optimalisasi metode akad jual beli tanah kavling pada perusahaan properti syariah dengan pendekatan Shariah Enterprise Theory. Penelitian dilaksanakan pada CV. Pelangi Jingga Mandiri di Kota Makassar dengan metode wawancara langsung, observasi lapangan, serta menguraikan beberapa materi yang terkait sebagai analisis terhadap proses pembelian tanah kavling perusahaan properti syariah. Penelitian ini menerapkan deskriptif analitis yaitu penelitian berusaha menunjukkan perusahaan tanah kavling menerapkan sistem akad jual beli dengan pendekatan syariah enterprise. Hasil temuan menunjukkan bahwa Prinsip SET sangat dipegang teguh oleh CV. Pelangi Jingga Mandiri. Di mana user melakukan down payment dan cicilan yang cukup terjangkau dibayar oleh user sampai lunas. Setelah dinyatakan lunas oleh developer baru dilakukan penyerahan unit kavling kepada user. Dengan demikian, user terhindar dari adanya wanprestasi dan penyitaan barang jika user lalai atau tidak taat terhadap akad jual beli yang telah disepakati bersama.
Changes in Consumer Behavior Through E-Payment in the Implementation of Green Economy Ar, Dhita Pratiwi; Lutfi, Anugrah; Akbar, Muhammad; Layli, Nuril; Salam, Karta Negara
Paradoks : Jurnal Ilmu Ekonomi Vol. 8 No. 1 (2025): November - Januari
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v8i1.1017

Abstract

In recent years, there has been a growing awareness of the importance of adopting environmentally sustainable infrastructure. The shift towards a circular economy and the increased use of digital payment methods (e-payment) have emerged as key drivers of sustainable consumer behavior. This study examines the impact of con-sumer behavior changes through the adoption of e-payment systems within the framework of green economy practices. The research was conducted in Makassar, involving a sample of 150 respondents, and analyzed using Structural Equation Modeling (SEM). The results indicate a significant relationship between consumer behavior changes and the increased use of e-payment, which in turn supports the implementation of green economy practices. The findings highlight that e-payment adoption contributes to reduced carbon emissions and the use of non-renewable resources, promoting a more sustainable and efficient economy.
PENGABDIAN KEPADA MASYARAKAT DENGAN MEMBAGIKAN HANDSANITISER KEPADA PENGGUNA JALAN DAN JAMAAH MASJID PADA MASA COVID 19 Daga, Rosnaeni; Salam, Karta Negara; Suwandaru, Rachman; Pratiwi Ar, Dhita; Sasmita, Halida; Panus, Panus; Ramlah, Ramlah; Fatwa, Nur
Indonesian Journal of Engagement, Community Services, Empowerment and Development Vol. 5 No. 1 (2025): Indonesian Journal of Engagement, Community Services, Empowerment and Developme
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ijecsed.v5i1.200

Abstract

Covid-19 is a disease caused by a new type of corona virus, namely SARS-CoV-2. Covid-19 was first discovered in Wuhan City, China in December 2019 and was declared a pandemic by the World Health Organization (WHO) in March 2020. Covid Virus-19 can be spread by touching contaminated surfaces. One of the recommended preventive measures is adopting a clean lifestyle. The clean lifestyle that is applied is discipline in using hand sanitizer. One form of community service carried out by the Nitro Makassar Institute of Business and Finance Team is by distributing hand sanitizer to road users and mosque congregations. The distribution of hand sanitizers is a concrete form of preventing and breaking the chain of spread of Covid-19, especially in Makassar City. The hand sanitizer was obtained from the self-help of the service team. Hand sanitizer distribution is accompanied by education about the benefits and use of hand sanitizer. The activities carried out received a positive response from the community, especially road users and mosque congregations, they were very enthusiastic when hand sanitizer was distributed.
Co-Authors A. We Tenri Fatimah Singkeruang Abdul Wahab Asmawiyah Asmawiyah Asriyani Fabanyo Baharuddin, B. Baharuddin, Megawaty Ceskakusumadewi Ceskakusumadewi B Hamdat, Aminuddin Herenal Daeng Toto Karta Negara Salam Karta Negara Salam Layli, Nuril Lutfi, Anugrah M. Fahrul Husni Madrianah Muhammad Akbar MUHAMMAD RIZAL Muhammad Rizal Mujahid Mujahid, Mujahid Musdalifah Musdalifah Nawir, Fadliyani Nur Fatwa, Nur Nurfadilah Nurfadilah Panus Panus Panus, Panus Ramlah Ramlah Renny Mointi Rifai, Mesrawati Rosnaini Daga Rusli Rusli Salam, Karta Negara Sasmita, Halida Sujatmiko, S Suwandaru, Rachman Verawaty Verawaty