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Pengaruh Customer Perceived Value dan Switching Barriers terhadap Customer Retention Produk Tabungan Batara iB Mulya, Sri; Sari, Widya
Jurnal Dimamu Vol. 4 No. 2 (2025)
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/dimamu.v4i2.1415

Abstract

Based on the results of observations, the background to this research is the tendency for fluctuations in Batara iB Savings customers at Bank BTN Syariah Bandung Branch Office. It is influenced by, among other things, the reduced perceived value of customers in saving due to minimal service and less than satisfactory transactional facilities. Lack of switching barriers (Switching Barriers) by banks resulting in a decline, customers moving payroll, many offers from other banks and customer environmental factors that require switching. This research aims to determine the influence of Customer Perceived Value and Switching Barriers on Customer Retention of Batara iB Savings Products at Bank BTN Syariah Bandung Branch Office, both partially and simultaneously.The object of the research is Batara iB Savings customers at Bank BTN Syariah Bandung Branch Office. The type of research is associative quantitative with primary data types and uses data collection techniques in the form of observation, interviews, literature studies and questionnaires. Meanwhile, the sampling technique is non-probability sampling with a purposive sampling type. The population is all Batara iB Savings customers at Bank BTN Syariah Bandung Branch Office, totaling 1,019 people with a sample of 92 people. The results of the research show that Customer Perceived Value and Swithching Barriers partially influence Customer Retention by 60,3% and 43,6%, while simultaneously the influence is 68,6%.
WANPRESTASI PIHAK PENGEMBANG DALAM JUAL BELI TANAH DENGAN PEMBAYARAN TUNAI BERTAHAP BERDASARKAN BUKTI KWITANSI Sari, Widya; Purba, Hasim; Harianto, Dedi
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 2 (2025): May 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i2.3141

Abstract

Abstract: Transaction between housing developers and buyers are sometimes carried out through installment payments based on a mutually agreed schedule and amount, with only a receipt as proof of payment. In practice, this installment-based sale and purchase model often leads to various legal issues and disputes, particulary due to breaches of contract (wanprestasi), which may cause lasses to either the seller or the buyer. A notable example of such a breach is reflected in Decision No. 160/Pdt.G/2021/PN Mdn, Where the housing developer failed to deliver the certificate of ownership and to execute a deed of sale and purchase for the buyer who had completed full payment. The thesis employs as seen in Decision No. 160/Pdt.G/2021/PN Mdn. Systematic analysis of legal issues in land lot transaction conducted marely with payment receipts and the resulting breach of contract in the aforementioned court decision. The research is descriptive in nature and utilizes a statutory approach and case study approach by examining legal norms in legislation and judicial decisions. Keywords: Breach of Contract, Developer, Payment Receipt Abstrak: Transaksi jual beli yang dilakukan antara developer perumahan dengan pembeli, adakalanya dilakukan dengan cara pembayaran bertahap sesuai dengan jadwal dan jumlah cicilan yang disepakati bersama para pihak, hanya berdasarkan kwitansi pembayaran. Secara praktiknya transaksi jual beli dengan pembayaran secara bertahap ini menyebabkan banyak permasalahan dan mengakibatkan timbulnya sengketa-sengketa baik akibat kerugian yang ditimbulkan oleh pihak penjual maupun pihak pembeli, salah satunya penyebabnya adalah wanprestasi. Kasus wanprestasi dalam jual beli secara bertahap pada putusan Nomor 160/Pdt.G/2021/PN Mdn terjadi karena pihak developer perumahan tidak menyerahkan sertipikat hak milik dan membuatkan Akta Jual Beli kepada pembeli yang telah melunasi pembayaran. Jenis penelitian tesis ini adalah yuridis normatif. Penelitian yuridis normatif ini dipilih karena penelitian ini mengkaji secara sistematis permasalahan jual beli kaveling tanah yang hanya dilakukan menggunakan kwitansi pembayaran dan terjadinya wanprestasi dalam Putusan Nomor 160/Pdt.G/2021/PN Mdn. Penelitian ini bersifat deskriptif. Pendekatan penelitian dilakukan pendekatan perundang-undangan dan pendekatan kasus, yaitu dengan meneliti norma hukum dalam bentuk peraturan perundang-undangan dan putusan hakim. Kata kunci: Wanprestasi, Pengembang, Kwitansi Pembayaran 
The immunostimulant effect of jamblang stem bark (Syzygium cumini L.) ethanol extract against mice macrophages phagocytosis activity and capacity Rosnizar, Rosnizar; sari, widya; Syahfitri, Widya; Kusuma, Hendrix Indra; safitri, novi; izzazaya, annisa
Jurnal Natural Volume 25 Number 2, June 2025
Publisher : Universitas Syiah Kuala

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Abstract

This study aims to determine the effect of administering Jamblang Stem Bark Ethanol Extract (Syzygium cumini L.) (JSBEE) on the activity and phagocytosis capacity of macrophages in mice (Mus musculus) infected with Staphylococcus aureus bacteria. The research method used a completely randomized design (CRD) with five treatments and five repetitions, conducted in-vitro and in vivo test. The treatments for in vitro involved administering distilled water (T0), Stimuno (T1), and JSBEE at concentrations of 10 ppm (T2), 100 ppm (T3), and 1000 ppm (T4). Subsequently, in vivo treatment was conducted using distilled water (T0), stimuno (T1), JSBEE at 10 mg/kg (T2), 100 mg/kg (T3), and 1000 mg/kg (T4). Initially, mice underwent in vivo administration of JSBEE, administered orally via catheter tip, with a dosage of 1 mL per 10 g of body weight. JSBEE was administered orally for 10 days, followed by infection with S. aureus on the 11th day. The in vitro tests were conducted by isolating macrophage cells from the intraperitoneal fluid, to which S. aureus and JSBEE were added. Intraperitoneal fluid collected from the mice was used to prepare smears using the thin blood smear method and Giemsa staining. Macrophage phagocytosis activity was observed and assessed based on the percentage activity formula, and the phagocytic capacity of macrophages was measured by the number of S. aureus cells phagocytosed. The results indicated that JSBEE significantly affected (P0.05) both the activity and phagocytic capacity of macrophages in vivo and in-vitro. The best concentration of JSBEE for increasing both the activity value and phagocytic capacity of macrophages was 100 ppm (T3).
ANALYSIS OF STUDENTS' LEARNING DIFFICULTIES ON PROTISTA MATERIAL CLASS X MIA PANCASILA EDUCATION FOUNDATION SAWIT SEBRANG 2024/2025 Sari, Widya; Rangkuti, Marlinda Nilan Sari
Jurnal Pelita Pendidikan Vol. 13 No. 2 (2025): JURNAL PELITA PENDIDIKAN
Publisher : Universitas Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to determine students' learning difficulties in the material protista based on learning outcome indicators and cognitive aspects and factors causing learning difficulties of class X students of SMA Yayasan Pendidikan Pancasila in the 2024/2025 Academic Year. This type of research is descriptive-quantitative research using several data collection techniques, namely questionnaires and learning outcome tests. The most dominant external factor causing students' difficulties in learning biology protista material in class X MIA Yayasan Pendidikan Pancasila is the Family Environment factor in the Very High Difficulty category with an overall average of 91.96%. Meanwhile, the most dominant internal factor causing students' difficulties in learning biology protista material in class X MIA Swab Yayasan Pendidikan Pancasila is the Intelligence factor in the Very High Difficulty category with an overall average of 92.53%.
Pengaruh CSR dan EPS terhadap Harga Saham pada Perusahaan yang Terdaftar di Jakarta Islamic Index Silmi, Syaifa Scholastika; Sari, Widya
Jurnal Accounting Information System (AIMS) Vol. 8 No. 2 (2025)
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/aims.v8i2.1627

Abstract

This study aims to determine the effect of Corporate Social Responsibility and Earning Per Share on stock prices in companies listed on the Jakarta Islamic Index (JII) for the period 2020-2024. This research uses quantitative methods with an associative approach, using secondary data obtained from the company's annual report. The sampling technique used purposive sampling, with a population of all issuers listed on the JII during the 2020-2024 period which was 59 issuers and a sample of 12 issuers selected according to the criteria that have been set. The results showed that partially neither Corporate Social Responsibility nor Earning Per Share had any effect on stock prices. However, simultaneously Corporate Social Responsibility and Earning Per Share have an effect on stock prices of companies listed on the JII for the period 2020-2024.
ARTICLE REVIEW: PAPARAN MIKROPLASTIK PADA MOLUSKA DI PERAIRAN INDONESIA Nisa, Khairun; Salsabila; Firdus; Sari, Widya; Masykur
SciencePlus Vol. 1 No. 1 (2025): SciencePlus
Publisher : Barkah Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.2025/sp.v1i1.170

Abstract

Pencemaran mikroplastik di perairan Indonesia menjadi isu lingkungan yang perlu mendapat perhatian, terutama dampaknya terhadap ekosistem laut dan organisme yang hidup di dalamnya terutama moluska. Moluska sebagai bioindikator pencemaran perairan menjadi objek kajian dalam penelitian ini untuk mengevaluasi tingkat paparan mikroplastik. Metode penelitian meliputi kajian literatur dan analisis sampel dari berbagai lokasi perairan di Indonesia berdasarkan perbedaan salinitas. Hasil studi menunjukkan bahwa berbagai spesies moluska telah terkontaminasi oleh mikroplastik dengan variasi jumlah dan jenis polimer yang berbeda-beda. Faktor utama yang berkontribusi terhadap tingginya akumulasi mikroplastik adalah aktivitas manusia, seperti pembuangan limbah plastik dan proses degradasi plastik di lingkungan perairan. Studi ini menegaskan bahwa mikroplastik dapat masuk ke dalam rantai makanan dan berpotensi menimbulkan dampak negatif terhadap kesehatan manusia. Oleh karena itu, diperlukan strategi pengelolaan limbah plastik yang lebih efektif untuk mengurangi pencemaran mikroplastik di perairan Indonesia.
PENGELOLAAN KOMPONEN-KOMPONEN DARAH DI UTD PALANG MERAH INDONESIA (PMI) KOTA BANDA ACEH Fajarna, Nova; Sari, Widya
Prosiding Seminar Nasional Biologi, Teknologi dan Kependidikan Vol. 11 No. 1 (2023): PROSIDING SEMINAR NASIONAL BIOTIK XI 2023
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh, Aceh, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/pbio.v11i1.18983

Abstract

Penelitian ini bertujuan untuk mempelajari berbagai komponen-komponen darah yang tersedia di UTD Palang Merah Indonesia (PMI) Kota Banda Aceh. Penelitian ini juga dilakukan untuk mengetahui beberapa ketidaknormalan yang terjadi pada plasma darah sehingga harus dimusnahkan atau tidak bisa ditransfusikan kepada pasien. Metode yang digunakan pada penelitian ini adalah metode observasi yang dilakukan dengan cara mengamati serta meninjau secara langsung ke lokasi penelitian untuk mengumpulkan data, data yang didapatkan kemudian dianalisis secara deskriptif. Berdasarkan hasil penelitian, komponen darah yang paling banyak dikelola di UTD Palang Merah Indonesia (PMI) Kota Banda Aceh adalah komponen PRC sebanyak 3.906 kantong, LP sebanyak 3.897 kantong dan TC sebanyak 1.361 kantong. Hal ini dikarenakan permintaan PRC dan TC lebih banyak dari pada yang lainnya. Sedangkan LP adalah komponen yang harus dimusnahkan karena beberapa ketidaknormalan sehingga tidak bisa ditransfusikan kepada pasien. Salah satu cabang Palang Merah Indonesia (PMI) terdapat di Kota Banda Aceh yang menyediakan beberapa komponen darah seperti: Whole Blood (WB), Packed Red Cell (PRC), Trombocyte Concentrate (TC), Fresh Plasma (FP), Fresh Frozen Plasma (FFP), Washed Erytrocyte (WE), Anti Haemophylic Factor (AHF), Liquid Plasma (LP), dan Tromboferesis.
HASIL PEMERIKSAAN PENYAKIT INFEKSI MENULAR LEWAT TRANSFUSI DARAH DENGAN METODE CHLIA DI PMI KOTA BANDA ACEH Al Chusna, Salsabila; Sari, Widya
Prosiding Seminar Nasional Biologi, Teknologi dan Kependidikan Vol. 11 No. 1 (2023): PROSIDING SEMINAR NASIONAL BIOTIK XI 2023
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh, Aceh, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/pbio.v11i1.19065

Abstract

Transfusi darah adalah suatu kegiatan penyaluran darah yang bertujuan untuk penyembuhan penyakit, pemulihan kesehatan hingga menyelamatkan pasien yang kekurangan darah. Transfusi darah termasuk salah satu sebab terjadinya penyakit infeksi, sehingga pemeriksaan darah perlu dilakukan sebelum transfusi darah. Tujuan penelitian ini adalah untuk mengetahui tingkat reaktif penyakit menular lewat transfusi darah di PMI Kota Banda Aceh selama periode Februari sampai Mei 2023. Metode penelitian ini adalah observasi dan data di analisis secara deskriptif dengan pemeriksaan menggunakan metode CHLIA pada alat architect i2000 SR dan sysmex HISCL 5000. Parameter penelitian ini adalah banyaknya sampel darah reaktif penyakit hepatitis B, hepatitis C, HIV/AIDS dan syphilis. Hasil penelitian ini yaitu dari 5.128 darah donor didapatkan, tingkat darah reaktif penyakit menular pada periode tersebut adalah 1,23%. Berdasarkan hasil penelitian ini, dapat disimpulkan bahwa persentase darah reaktif penyakit menular terbanyak ialah syphilis 33,3% sementara HbsAg 28,6%, HCV 20,7% dan HIV 14,3%.
DISTRIBUSI DAN PELAYANAN DARAH DI UDD PMI KOTA BANDA ACEH Balqist Syifa, Syarifah; Sari, Widya
Prosiding Seminar Nasional Biologi, Teknologi dan Kependidikan Vol. 11 No. 1 (2023): PROSIDING SEMINAR NASIONAL BIOTIK XI 2023
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh, Aceh, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/pbio.v11i1.19086

Abstract

Palang Merah Indonesia (PMI) adalah sebuah organisasi yang memiliki tugas dalam hal kemanusiaan dan salah satu fungsinya adalah pelayanan darah. Tujuan penelitian ini adalah mengetahui data permintaan dan pengeluaran darah serta metode pengujian golongan darah maupun uji silang serasi yang dilakukan (Unit Donor Darah) UDD PMI Banda Aceh dalam melayani permintaan darah.  Informasi dapat diperoleh melalui metode observasi dan wawancara, selanjutnya data dianalisis secara deskriptif. Hasil penelitian menunjukkan bahwa permintaan dan pengeluaran darah untuk Rumah Sakit tanpa Bank Darah Rumah Sakit (non-BDRS) sejak Februari hingga pertengahan Mei 2023 mencapai 444 permintaan dengan total 818 kolf darah yang dikeluarkan. Pelayanan darah meliputi permintaan darah donor untuk pasien, baik oleh Rumah Sakit yang mempunyai BDRS maupun non-BDRS. PMI melayani permintaan darah untuk Rumah Sakit BDRS yang dilakukan dengan sistem dropping. Permintaan darah untuk Rumah Sakit non-BDRS dilakukan dengan sistem tersendiri mulai dari pencocokan darah pasien, pemeriksaan golongan darah ABO dengan metode tube test, serta uji silang serasi dengan metode gel test. Metode pengujian golongan darah maupun uji silang serasi yang dilakukan UDD PMI Banda Aceh masing-masing menggunakan metode tube test dan  gel test.
The Effect of Service Effectiveness and MSME Business Capital Financing on Customer Satisfaction at Bank BTN Sub-Branch Office Rancaekek Aprilliani, Devi; Sari, Widya
Journal of Applied Islamic Economics and Finance Vol. 6 No. 1 (2025): Journal of Applied Islamic Economics and Finance (Oktober 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v6i1.6785

Abstract

Based on the observation results, the background of this research is the fluctuation in the number of MSME financing customers at Bank BTN KCP Rancaekek, accompanied by complaints regarding the speed and accuracy of service, level of comfort, limited facilities, low flexibility, and lack of digital innovation. These conditions affect customer satisfaction and are driven by the bank’s selective fund distribution policy as an effort to maintain financial stability and soundness This research aims to determine the effect of service effectiveness and MSME financing on customer satisfaction, both partially and simultaneously, at Bank BTN KCP Rancaekek. The object of this research is the MSME financing customers at Bank BTN KCP Rancaekek. The type of research is quantitative associative, using primary data collected through observation, interviews, literature study, and questionnaires. The sampling method in this study uses probability sampling with a simple random sampling technique. The population in this research consists of all MSME financing customers totaling 788 people, with a sample of 266 respondents. The tools for testing and data analysis, as well as hypothesis testing, include validity testing, reliability testing, data normality testing, multiple regression analysis, multiple correlation analysis, coefficient of determination analysis, t-test, and F-test. The results of this study indicate that the effectiveness of services and Value MSME financing significantly affects the satisfaction of customers of Bank BTN KCP Rancaekek. The t-test results prove that the effectiveness of services tcount > ttable (6.394 > 1.969) and Value MSME financing tcount > ttable (16.867 > 1.969) each has a significant effect with R² of 13,4% and 45,5%, respectively. The F-test simultaneously Fcount > Ftable (226.020 > 3.03) shows a significant influence of both on customer satisfaction of 63,2%.
Co-Authors Achviana, Muhammad Adetia, Elsa Adhiguna, Made Aida Fithri Akbar, Novrizal Akmal, Atqo Al Azhar Al Chusna, Salsabila Allaily Allaily Amalia Amalia Amila Rambe, Dina Anandita, Munreza Andi Susilawaty Apriani, Dina Aprilliani, Devi Arfarifki, Muhammad Farel Asep Saepul Alam Asiandu, Angga Puja Azmy, Dara Septia Azriful Azriful Balqist Syifa, Syarifah Chandra, Camelia Ciawan, William Cut Nanda Devira Dedi Harianto Ediwan, Ediwan Elkhairati, Elkhairati Emmi Bujawati Fachri, Navifa Fadillah, Fadel Fadillah Fajarna, Nova Fathona, Citra Amira Putri Firdus Firdus Firdus Fitri, Alia Kamila Fitri, Maisyithoh Rahma Fitria Fitria Fitriana, Rizky Gusti Malayudha, Achmad Hardaya, Agus Hasibuan, Fika Ayu Cahaya HASIM PURBA Hastuti, Hera Husna, Fauzul Imansyah, Angga Adriana Irawan, Irwan Ismi, Nuzulul Istiqamah, Resi Nurul Iyah Faniyah, Iyah IZZAZAYA, ANNISA KARTINI ERIANI Ketang Wiyono Ketrin, Ketrin Keumalasari, Dewi Khadijah Khadijah Khadijah Khairun Nisa Khalief, Raffi Khalisa, Fachira Kusuma, Hendrix KUSUMA, HENDRIX INDRA Laila Sari Landong, Ahmad Lani, Lani Leonardo, Viona Lestari, Suin Liana, Rista Ade Liana Lie, Albert Steven Lingga, Zulfadli Lukman Hakim M. Yogi Riyantama Isjoni Maisun, Maisun Martleta, Sheilla Masykur Melissa Syamsiah Muhammad Arif Muhammad Fadhil Muhammad Hidayat Mujahidah, Ihviaty Aklamah Mulya, Sri Mutawaqil, Muhammad Arsyil Nini, Nini Novi Safitri Nur'aeni, Nur'aeni Nurdin Nurdiyanah Syarifuddin, Nurdiyanah Pratami, Syahla Nur Putri, Cut Widy Aulia Putri, Nur Azizah Hasna Rahmadani, Ika RAHMAZANIATI, LINDA Ramadhan, Muhammad Nadhif Rasendriya Rangkuti, Marlinda Nilan Sari Rani Sugiarni Ratnaningtyas, Endah Marendah Rayhannisa Rayhannisa, Rayhannisa Ria Ceriana, Ria Rosnizar Rosnizar, Rosnizar Rostina, Cut Fitri Ruskhanidar Sa’diyah, Khalimatus Sahira, Rasyadhifa As Salsabila Sary, Nirwana Lazuardi SAUDAH SAUDAH Sayuti, Muhammad Sembiring, Rinawati Septialti, Delita Setiyawan, Susilo Shifani, Nadya Silfanni, Silfanni Silmi, Syaifa Scholastika Sutinah Sutinah Syahfitri, Widya Syamsudin Syamsudin TATI NURHAYATI Taufik Suryadi, Taufik Umaira, Syifa Thifal Uswatun Hasanah Vianita, Etna VONNA, SARI MAULIDA Wahyudin, Dedi Wardatussaniah, Silpa Yasmin, Cut Yasmin, Cut Yuanita, Firdaus Annisa Yuliani Yuliani Yunita Yunita Zahra, Syifa Amaliah Zulvia Trinova Zumaidar Zumaidar