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All Journal Prosiding Seminar Nasional Manajemen dan Ekonomi Journal of Management and Social Sciences Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Intelek Dan Cendikiawan Nusantara
Berliana Putri
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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Pengembangan Produk Ijarah Sebagai Alternatif Pembiayaan di Lembaga Keuangan Syariah: Tinjauan Terhadap Implementasi di Indonesia Nala Amalia; Nur Amelia; Berliana Putri; Mohd. Winario
Prosiding Seminar Nasional Manajemen dan Ekonomi Vol. 2 No. 2 (2023): Desember : Prosiding Seminar Nasional Manajemen dan Ekonomi
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/semnas.v2i2.473

Abstract

This study aims to examine the development of Ijarah products as an alternative financing in Islamic Financial Institutions (LKS) in Indonesia, with a focus on its implementation in meeting customer financing needs. Ijarah, as a lease agreement in the Islamic financial system, offers financing solutions that are in accordance with sharia principles and has great potential in the Indonesian Islamic financial industry. This study uses a qualitative method with a case study approach, analyzing primary and secondary data from several LKS that have implemented Ijarah products. The research findings show that Ijarah products have advantages in providing financing flexibility, especially in fixed asset sectors such as property and vehicles. However, challenges faced in developing this product include a lack of customer understanding and regulatory complexity. The implications of this study indicate that strengthening socialization and increasing the operational capacity of LKS in offering Ijarah products is very important to increase the competitiveness and inclusion of Islamic finance in Indonesia.
PENGARUH BELANJA MODAL TERHADAP PERTUMBUHAN EKONOMI DI PROVINSI JAWA TIMUR TAHUN 2019-2023 Yuli Rahmawati; Rissa Andharini; Resa Anandita; Berliana Putri; Rahma Rina Wijayanti
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 2 No. 6 (2024): JURNAL ILMIAH EKONOMI DAN MANAJEMEN (JIEM)
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v2i6.1381

Abstract

This research discusses the influence of capital expenditure on economic growth in East Java Province. Economic growth is an increase in economic activity in a country or region, which is reflected in an increase in per capita output and overall community income. Capital expenditures are used for expenditures in the purchase or construction of tangible fixed assets that have a useful value of more than 12 months. This research uses quantitative methods with an associative approach and secondary data from the East Java Province APBD Financial Report. The research hypothesis is that capital expenditure has a positive and significant influence on economic growth in East Java Province. Data analysis methods include partial t-test, F test, coefficient of determination test, and classical assumption test. Skewness and kurtosis can indicate whether the data is normally distributed or not. The multicollinearity test is used to see the relationship between variables in the regression model. The autocorrelation test is used to determine the presence of autocorrelation in the regression model. The heteroscedasticity test is used to indicate the presence of interference in the regression model. The research results show that capital expenditure does not have a significant effect on economic growth in East Java Province.
Studi Kualitatif Tentang Implementasi Teori Komunikasi Massa Dalam Kehidupan Mahasiswa Era Digital Derajat Dermawan; Berliana Putri; Hanifara Dyasti Rahayu; Eneng Purwanti
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 2 No. 3 (2025): JUNI-JULI 2025
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini bertujuan untuk menganalisis bagaimana teori komunikasi massa diimplementasikan dan dipahami oleh mahasiswa di era digital. Melalui pendekatan kualitatif, studi ini mengeksplorasi persepsi, pemahaman, dan praktik komunikasi mahasiswa dalam konteks perkembangan media digital yang pesat. Data dikumpulkan melalui wawancara mendalam dan observasi partisipatif terhadap mahasiswa dari berbagai latar belakang. Temuan penelitian menunjukkan bahwa mahasiswa tidak hanya menjadi konsumen pasif media massa, tetapi juga aktif membangun makna, membentuk opini, dan memproduksi pesan melalui media digital. Teori-teori komunikasi massa seperti Teori Kultivasi, Spiral of Silence, dan Cultural Imperialism masih relevan, namun mengalami transformasi dalam praktiknya karena adanya interaktivitas, partisipasi, dan personalisasi pesan di media digital. Studi ini memberikan kontribusi terhadap pemahaman baru mengenai dinamika komunikasi massa di kalangan mahasiswa serta implikasinya bagi pengembangan literasi media di era digital.
Prosedur Penagihan Billing Pelanggan PT XYZ Pada PT XYZ Berliana Putri; Nela Safelia
Jurnal of Management and Social Sciences Vol. 4 No. 2 (2026): April : Journal of Management and Social Sciences
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jmsc.v4i2.947

Abstract

Penelitian ini menganalisis prosedur penagihan (billing) pelanggan PT XYZ klaster Household Consumer di PT XYZ pasca-implementasi Fixed Mobile Convergence (FMC), serta hambatan lapangan dan solusi strategisnya. Menggunakan metode deskriptif kualitatif berbasis pengalaman magang, ditemukan bahwa alur penagihan berjalan ketat berdasarkan linimasa bulanan, dimulai dari pengingat awal (tanggal 6 sampai 14) hingga isolasi layanan otomatis pada tanggal 20. Hambatan utama meliputi teknis desinkronisasi data pasca-migrasi sistem, rendahnya literasi digital masyarakat terhadap notifikasi otomatis, dan penurunan daya beli ekonomi. Mengatasi hal ini, PT XYZ menerapkan strategi Next Best Action berbasis profil risiko melalui pendekatan retensi proaktif berlapis menggunakan WhatsApp Business, telepon (OBC), hingga kunjungan langsung (direct visit). Perusahaan juga menawarkan opsi produk fleksibel seperti perbaikan jaringan, speed refreshment, hingga penurunan paket (downgrade) ke prabayar. Strategi integratif ini terbukti efektif mengubah proses penagihan yang kaku menjadi momentum pelayanan yang berhasil menekan angka kehilangan pelanggan (churn rate).
Co-Authors Derajat Dermawan Hanifara Dyasti Rahayu Mohd. Winario Nala Amalia Nela Safelia Nur Amelia Purwanti, Eneng Rahma Rina Wijayanti Resa Anandita Rissa Andharini Yuli Rahmawati