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Kinerja Keuangan Bank Umum Syariah di Indonesia Pasca Pandemi COVID-19 Annisa, Mutiara; Ridhani, Ridhani; Timoria, Timoria; Zulfa, Andria; Sakuntala, Dwita
Jurnal Samudra Ekonomi dan Bisnis Vol 15 No 3 (2024): JSEB
Publisher : Fakultas Ekonomi dan Bisnis Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jseb.v15i3.10873

The aim of this research is to analyze the financial performance of sharia commercial banks (BUS) after the COVID-19 pandemic through the CAR, NPF, FDR and BOPO variables on the ROA of BUS registered with the OJK 2019-2024. The method used is quantitative with a research sample of 6 BUS determined through a purposive sampling technique. The secondary data analyzed was obtained through the official OJK website. The data is then analyzed through descriptive statistics, classical assumption tests, and hypothesis testing. The empirical findings show that all CAR, FDR and BOPO variables partially have no influence on ROA from BUS, except that NPF is proven to partially have a positive influence on ROA. Simultaneously, all independent variables have an influence on ROA of BUS.

Minimum Wage, Inflation, Interest Rate and Household Consumption In Indonesia Putri Valentine; Sabilayana Sabilayana; Andria Zulfa; Lia Nazliana Nasution; Dwita Sakuntala
Jurnal Telekomunikasi dan Informatika Lbh. 2 Àir. 1 (2024): June : International Journal Of Accounting, Management, And Economics Research
Publisher : Fakultas Ekonomi dan Bisnis Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56696/ijamer.v2i1.35

This study aims to determine the effect of minimum wages, inflation, and lending rates on household consumption in Indonesia. The variables in this study are minimum wage, inflation, and lending rates as independent variables, while the household consumption variable is the dependent variable. The research period is from 1993-2023. The data analysis technique used is the Autoregressive Distributed Lag (ARDL) panel. The results of this study indicate that the province that is able to become a leading indicator for the stability of household consumption is North Sumatra. When viewed from the short run and long run, the Minimum Wage variable has an insignificant effect on Household Consumption in the short term but has a significant effect on Household Consumption in the long term. Inflation variable has a significant effect on Household Consumption in the short run, while in the long run Inflation variable has an insignificant effect on Household Consumption. The loan interest rate variable has no significant effect on household consumption in the short term or in the long term.

ANALISIS PERBANDINGAN TINGKAT KEPUASAN PASIEN POLI GIGI ANTARA LAYANAN APLIKASI MOBILE JKN ON SITE PADA PESERTA BPJS KESEHATAN DI RSU BUNDA THAMRIN MEDAN DENGAN METODE SURVQUAL (SERVICE QUALITY) Marzuki, Marzuki; Zulfa, Andria; Ginting, Selamat
Jurnal Kajian Kesehatan Masyarakat Vol 6 No 1 (2025): Jurnal Kajian Kesehatan Masyarakat (JK2M)
Publisher : Fakultas Kesehatan Masyarakat, Institut Kesehatan Deli Husada Deli Tua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36656/jk2m.v6i1.2609

Bunda Thamrin General Hospital, Medan, is a type C private hospital that offers various types of care, including dental care. In the digital era, the Mobile JKN application was introduced to simplify the registration and patient care process. However, many patients still experience difficulties using it. This study aims to analyze the comparison of patient satisfaction levels between the Mobile JKN application and the on-site service at Bunda Thamrin General Hospital, Medan, using the SERVQUAL approach, which encompasses five dimensions: Tangibles, Reliability, Responsiveness, Assurance, and Empathy. This study used a quantitative approach with a survey method and a purposive sampling technique. The sample consisted of 56 respondents, namely BPJS dental care patients who registered through Mobile JKN and on-site. Data analysis was performed using a bivariate statistical test, with a significance value of p < 0.05 as an indicator of significant differences between services. The results showed that overall satisfaction levels were higher among users of the Mobile JKN service (mean = 0.70) compared to users of the on-site service (mean = 0.14), with a p = 0.000. The dimensions of Reliability, Responsiveness, Assurance, and Empathy showed significant differences favoring Mobile JKN. However, no significant difference was found in the Tangibles aspect (p = 0.173), indicating that ease of access remains a challenge for both services. It can be concluded that Mobile JKN provides a more satisfactory service overall than On-Site, particularly in terms of trustworthiness, response speed, security, and empathy for patients.

ANALISIS PERBANDINGAN TINGKAT KEPUASAN PASIEN POLI GIGI ANTARA LAYANAN APLIKASI MOBILE JKN ON SITE PADA PESERTA BPJS KESEHATAN DI RSU BUNDA THAMRIN MEDAN DENGAN METODE SURVQUAL (SERVICE QUALITY) Marzuki, Marzuki; Zulfa, Andria; Ginting, Selamat
Jurnal Kajian Kesehatan Masyarakat Vol. 6 No. 1 (2025): Jurnal Kajian Kesehatan Masyarakat (JK2M)
Publisher : Fakultas Kesehatan Masyarakat, Institut Kesehatan Deli Husada Deli Tua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36656/jk2m.v6i1.2609

Bunda Thamrin General Hospital, Medan, is a type C private hospital that offers various types of care, including dental care. In the digital era, the Mobile JKN application was introduced to simplify the registration and patient care process. However, many patients still experience difficulties using it. This study aims to analyze the comparison of patient satisfaction levels between the Mobile JKN application and the on-site service at Bunda Thamrin General Hospital, Medan, using the SERVQUAL approach, which encompasses five dimensions: Tangibles, Reliability, Responsiveness, Assurance, and Empathy. This study used a quantitative approach with a survey method and a purposive sampling technique. The sample consisted of 56 respondents, namely BPJS dental care patients who registered through Mobile JKN and on-site. Data analysis was performed using a bivariate statistical test, with a significance value of p < 0.05 as an indicator of significant differences between services. The results showed that overall satisfaction levels were higher among users of the Mobile JKN service (mean = 0.70) compared to users of the on-site service (mean = 0.14), with a p = 0.000. The dimensions of Reliability, Responsiveness, Assurance, and Empathy showed significant differences favoring Mobile JKN. However, no significant difference was found in the Tangibles aspect (p = 0.173), indicating that ease of access remains a challenge for both services. It can be concluded that Mobile JKN provides a more satisfactory service overall than On-Site, particularly in terms of trustworthiness, response speed, security, and empathy for patients.

Comparative Analysis of Monetary Policy on Price Stability in Three Asean Countries: Seemingly Unrelated Regression (Sur) Approach for the Period 2015-2024 Chairuddin, Chairuddin; Rusiadi, Rusiadi; Zulfa, Andria
Journal of Research in Social Science and Humanities Vol 5, No 4 (2025)
Publisher : Utan Kayu Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47679/jrssh.v5i4.593

This study aims to analyze the effectiveness of monetary policy transmission on inflation in ASEAN-3 countries. This topic is relevant considering the differences in economic structures and monetary policy frameworks in the region that have the potential to produce a heterogeneous inflation response. This study tests the hypothesis that monetary policy instruments, including policy interest rates, money supply, exchange rates, and credit growth, influence inflation. The research method used is a quantitative approach with a Seemingly Unrelated Regression (SUR) model using annual secondary data. The results show that policy interest rates have a significant effect on inflation, while money supply, exchange rates, and credit growth do not. This finding indicates that monetary policy transmission in ASEAN-3 is more effective through the interest rate channel than other monetary channels. This study provides an empirical contribution to strengthening understanding of the role of monetary policy instruments in maintaining inflation stability in developing countries

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