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ANALISIS KUALITAS PELAYANAN PADA KELURAHAN LOKTABAT UTARA Fresilia Anggraeni; Rifqi Amrulloh; Abul Hasan Asy'ari
Jurnal Ilmiah Ekonomi Bisnis Vol 7 No 3 (2021): JURNAL ILMIAH EKONOMI BISNIS
Publisher : Jurnal Ilmu Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35972/jieb.v7i3.664

Abstract

Abstrak: Penelitian ini bertujuan untuk mengetahui kualitas pelayanan selama ini pada Kelurahan Loktabat Utara Kota Banjarbaru dan mengetahui kualitas pelayanan pada Kelurahan Loktabat Utara Kota Banjarbaru yang seharusnya. Analisis data yang digunakan dalam penelitian ini menggunakan metode deskriptif, yaitu menggunakan gambaran masalah yang terjadi pada saat penelitian ini berlangsung dengan pendekatan kuantitatif mencari tingkat capaian responden (TCR) sehingga lebih memperkuat analisa peneliti dalam membuat suatu kesimpulan. Berdasarkan dari hasil penelitian diperoleh kesimpulan bahwa: Kualitas pelayanan selama ini pada Kelurahan Loktabat Utara Kota Banjarbaru untuk variabel sederhana adalah sebesar 48,80%, hal ini menunjukkan bahwa pelayanan yang diberikan oleh Kelurahan Loktabat Utara Kota Banjarbaru kepada masyarakat masuk pada kriteria kurang puas; variabel partisipatif sebesar 54,80%, hal ini menunjukkan bahwa kualitas pelayanan yang diberikan oleh Kelurahan Loktabat Utara Kota Banjarbaru kepada masyarakat masuk pada kriteria kurang puas; variabel akuntabel sebesar 75,20%, hal ini menunjukkan kualitas pelayanan yang diberikan Kelurahan Loktabat Utara Kota Banjarbaru masuk pada kriteria cukup puas; variabel berkelanjutan sebesar 72,40%, hal ini menunjukkan bahwa kualitas pelayanan yang diberikan oleh Kelurahan Loktabat Utara Kota Banjarbaru masuk pada kriteria cukup puas; variabel transparansi sebesar 54,00%, menunjukkan bahwa kualitas pelayanan yang diberikan Kelurahan Loktabat Utara Kota Banjarbaru masuk pada kurang puas; variabel keadilan sebesar 51,20%, menunjukkan kualitas pelayanan yang diberikan Kelurahan Loktabat Utara Kota Banjarbaru masuk pada kriteria kurang puas. Kualitas pelayanan pada Kelurahan Loktabat Utara Kota Banjarbaru yang seharusnya sesuai dengan keputusan Peraturan Menteri Pendayagunaan Aparatur Negara Dan Reformasi Birokrasi Nomor: 15 Tahun 2014 Tentang Pedoman Standar Pelayanan, untuk variabel sederhana pihak Kelurahan Loktabat Utara Kota Banjarbaru perlu menempatkan pada bagian pelayanan pegawai yang mudah memahami setiap perubahan dalam prosedur perijinan juga lebih bisa memberikan pengarahan, pendampingan secara jelas kepada masyarakat pada saat melakukan pengurusan sebuah perijinan; variabel partisipatif, pihak Kelurahan Loktabat Utara Kota Banjarbaru harus bisa menempatkan SDM yang bagus dalam melayani masyarakat serta mampu mendengarkan aspirasi dan keinginan masyarakat; Akuntabel, maka setiap pelayanan yang diberikan kepada masyarakat dapat dipertanggungjawabkan sesuai dengan ketentuan peraturan perundang-undangan yang berlaku; Berkelanjutan, perubahan dalam berinovasi untuk peningkatan kualitas pelayanan utamanya yang dilakukan oleh Kelurahan Loktabat Utara Kota Banjarbaru sangat di dukung oleh masyarakat; Transparansi, perlu pembekalan yang lebih bagi pegawai terkait dengan pelayanan kepada masyarakat yang menggunakan perangkat digital; Keadilan, perlu dilakukan perbaikan mengingat setiap masyarakat mempunyai hak yang sama untuk mendapatkan pelayanan yang maksimal dari Kelurahan Loktabat Utara Kota Banjarbaru. Kata kunci: Kualitas Pelayanan, Kelurahan Loktabat Utara Kota Banjarbaru Abstract: This study aims to determine the quality of service so far in the North Loktabat Village and to determine the quality of service in the North Loktabat Village. Analysis of the data used in this study using descriptive methods, namely using a description of the problems that occurred when this research was taking place with a quantitative approach to find the respondent's level of achievement (TCR) so that it further strengthens the researcher's analysis in making a conclusion. Based on the results of the study, it is concluded that: The quality of service so far in North Loktabat Village for simple variables is 48.80%, this indicates that the services provided by the North Loktabat Village to the community fall under the criteria of less satisfied; participatory variable of 54.80%, this indicates that the quality of services provided by Kelurahan North Loktabat to the community falls under the criteria of less satisfied; the accountable variable is 75.20%, this shows that the quality of services provided by the North Loktabat Village falls into the criteria of being quite satisfied; a sustainable variable of 72.40%, this indicates that the quality of services provided by the North Loktabat Village falls into the criteria of being quite satisfied; the transparency variable is 54.00%, indicating that the quality of services provided by the North Loktabat Village is less satisfied; The justice variable is 51.20%, indicating that the quality of services provided by the North Loktabat Village falls into the criteria of less satisfied.The quality of service in Loktabat Utara Kota Banjarbaru Village which should be in accordance with the Decree of the Minister of Administrative Reform and Bureaucratic Reform Number: 15 of 2014 concerning Service Standard Guidelines, for simple variables the North Loktabat Village needs to place in the employee service section that easily understands any changes in licensing procedures also more able to provide clear direction and assistance to the community when processing a permit; participatory variable, the Kelurahan Loktabat Utara Kota Banjarbaru must be able to place good human resources in serving the community and be able to listen to the aspirations and desires of the community; Accountable, then every service provided to the public can be accounted for in accordance with the provisions of the prevailing laws and regulations; Sustainable, changes in innovation to improve the quality of services mainly carried out by the North Loktabat Village are very supported by the community; Transparency, it needs more provision for employees related to services to the community using digital devices; Justice, it needs to be improved considering that every community has the same rights to get maximum service from Loktabat Utara Kota Banjarbaru Village.
ANALISIS HUBUNGAN EFISIENSI DAN KINERJA PERBANKAN SYARIAH DI INDONESIA DENGAN METODE DATA ENVELOPMENT ANALYSIS (DEA) DAN METODE CAPITAL, ASSET, MANAGEMENT, EARNING, LIQUIDITY, SENSITIVITY TO MARKET RISK (CAMELS) Rifqi Amrulloh
Jurnal Ilmiah Ekonomi Bisnis Vol 3 No 2 (2017): JURNAL ILMIAH EKONOMI BISNIS
Publisher : Jurnal Ilmu Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (382.163 KB) | DOI: 10.35972/jieb.v3i2.99

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Abstract: The purpose of this study was to determine the efficiency level and the performance of sharia banking in Indonesia and the correlation between efficiency and performance of sharia banking in Indonesia. The type of this study was descriptive research. The object of this study was financial statements of 10 sharia banks in Indonesia. The data analysis methods used were data envelopment analysis (DEA), CAMELS ratio analysis of, and product moment correlation ana-lysis. The result of this study showed that based on DEA analysis there were four sharia banks that showed the efficiency level reaching 100% or in the efficient level. On CAMELS ratio analysis showed that sharia banks were in good financial ratio condition. However, the value of ratios showed a fluctuation from year to year in the research period. Correlation analysis between CAMELS and DEA showed that there was no financial ratio that gave a result in line with DEA analysis because the significance level of correlation coefficient showed a value that was not significant statistically. Keywords: efficiency, performance, sharia banking Abstrak: Tujuan penelitian ini adalah untuk mengetahui tingkat efisiensi dan kinerja perbankan syariah di Indonesia serta korelasi antara efisiensi dan kinerja perbankan syariah di Indonesia. Jenis penelitian ini adalah penelitian deskriptif. Objek penelitian ini adalah laporan keuangan 10 bank syariah di Indonesia. Metode analisis data yang digunakan adalah data envelopment analysis (DEA), CAMELS ratio analysis, dan product moment correlation analysis. Hasil peneliti-an menunjukkan bahwa berdasarkan analisis DEA terdapat empat bank syariah yang menunjukkan tingkat efisiensi mencapai 100% atau pada tingkat yang efisi-en. Dalam analisis rasio CAMELS, menunjukkan bahwa bank syariah berada da-lam kondisi rasio keuangan yang baik. Namun, nilai rasio menunjukkan fluktuasi dari tahun ke tahun dalam periode penelitian. Analisis korelasi antara CAMELS dan DEA menunjukkan bahwa tidak ada rasio keuangan yang memberikan hasil sesuai dengan analisis DEA karena tingkat signifikansi koefisien korelasi menun-jukkan nilai yang tidak signifikan secara statistik. Kata Kunci: efisiensi, kinerja, bank syariah
UPAYA MENINGKATKAN KINERJA KARYAWAN MELALUI MOTIVASI KERJA PADA PT. REZEKI MEMBANGUN BERSAMA KECAMATAN BINUANG KABUPATEN TAPIN Novi Eka Wati; Rifqi Amrulloh
Jurnal Ilmiah Ekonomi Bisnis Vol 8 No 2 (2022): JURNAL ILMIAH EKONOMI BISNIS
Publisher : Jurnal Ilmu Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35972/jieb.v8i2.722

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Abstrak: Tujuan penelitian ini adalah Untuk mengetahui Upaya Meningkatkan Kinerja Karyawan Melalui Motivasi Kerja Pada PT. Rezeki Membangun Bersama Kecamatan. Binuang yang selama ini dan yang seharusnya. Metode dalam penelitian ini menggunakan penelitian Deskriptif, yaitu yang bertujuan untuk mengetahui Upaya Meningkatkan Kinerja Karyawan Melalui Motivasi Kerja Pada PT. Rezeki Membangun Bersama Kecamatan Binuang. Hasil penelitian menunjukkan bahwa upaya meningkatkan kinerja karyawan melalui motivasi kerja pada PT. Rezeki Membangun Bersama Kecamatan Binuang yang diterapkan oleh selama ini masih belum bisa meningkatkan kinerja karyawan melalui motivasi kerja. Jika hal ini tidak dilakukan perbaikan maka akan berdampak kepada perusahaan. Agar hal itu tidak terjadi, maka harus dilakukan perubahan penerapan upaya meningkatkan kinerja karyawan melalui moivasi kerja yang seharusnya pada perusahaan PT. Rezeki Membangun Bersama Kecamatan Binuang. Kata Kunci : Upaya Meningkatkan Kinerja
SURVEI KEPUASAN MASYARAKAT TERHADAP KUALITAS PELAYANAN PDAM INTAN BANJAR Rifqi Amrulloh
Al-Kalam Jurnal Komunikasi, Manajemen dan Bisnis Vol 9, No 2 (2022): JULI : AL KALAM JURNAL KOMUNIKASI, BISNIS DAN MANAJEMEN
Publisher : Universitas Islam Kalimantan Muhammad Arsyad Al Banjari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/al-kalam.v9i2.6526

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Rifqi Amrulloh, Management Major of Sekolah Tinggi Ilmu Ekonomi Pancasetia Banjarmasin, 2019, Public Satisfaction Survey On The Quality Of Service Of Pdam Intan Banjar, Supervisor 1 : Nurus Sjamsi, Supervisor 2 : Isra’ul Huda. The purpose of this study is to want to know the level of community satisfaction with the quality of service at the Regional Drinking Water Company (PDAM) Intan Banjar and based on these results, want to provide input that should be done by the management of PDAM Intan Banjar. The method used is quantitative descriptive analysis. This research was conducted using quantitative analysis. The results of the quantitative calculations obtained are presented in the form of a meaning-centered description. This study aims to explain the existing phenomena by using numbers to describe the characteristics of an individual or group. This research was conducted on 384 respondents of PDAM Intan Banjar customers and was conducted for 3 weeks. The results showed that the results of the community satisfaction survey at the Regional Drinking Water Company Intan Banjar were categorized as "GOOD" with a Community Satisfaction Index (IKM) score of 77.09, this means that the service that has been provided to the community is good, it is hoped that it will be further improved so that in the future it can be better from now on.
Covid-19 and Traveling Intention: A Risk Perception Rifqi Amrulloh; Firda Nosita
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 3 (2022): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i3.6183

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The new virus outbreak namely SARS-Cov-2 was first discovered in Wuhan, China, and became a pandemic because it spread rapidly to various countries in 2020. The Covid-19 pandemic has an impact on various community activities, such as traveling. The purpose of this research is to find out public knowledge about Covid-19 risks and the effect of the Covid-19 pandemic on their travel plans. The survey was conducted by asking questions about travel plans and learning about the Covid-19 pandemic. The survey was collected using a google form, which was distributed through various social media with a sample of 570 respondents spread from different regions in Indonesia. The survey results show that the majority of respondents have known about the Covid-19 outbreak since December 2019, know the countries affected, and know the characteristics of people infected with Covid-19. As many as 67.4% of respondents stated that they had plans to travel in 2020, but the majority of them decided to postpone or cancel their travel plans. Respondents strongly agree that Covid-19 is highly contagious, deadly, and consider traveling during a pandemic very risky. However, respondents strongly believe that the Covid-19 pandemic will end soon in 2020. The results of this survey prove that health risks are a crucial factor for people in making travel decisions.
The Effect of Human Resource Quality and Competitiveness on Cooperative Organization Performance Abdul Kadir; Fredy Jayen; Rifqi Amrulloh
Journal of Nonformal Education Vol 9, No 2 (2023): August: (Adult Education and Community Empowerment)
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jne.v9i2.48429

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An organizational leader must have the right decision-making ability so that the goals and objectives of the organization that have been set can be achieved. The achievement of organizational goals and objectives is one proof that organizational performance is good. Organizational performance is measured by financial and non-financial performance parameters. Effective organizational performance will help the organization gain a substantial competitive advantage. A cooperative is a non-profit organization that provides services to its members just like a bank. The performance of cooperative organizations is not only focused on financial performance, because in its operations cooperatives carry out social values. This study aims to determine the effect of Human Resource Quality and Competitiveness on Organizational Performance in Cooperative X. This research method uses an associative research approach with sampling carried out using unsaturated sampling techniques. The number of samples is equal to the total population of 21 people. Primary data were collected using the help of research instruments in the form of questionnaires with assessment intervals of 1-4. The independent variable in the study is represented by the quality of human resources (X1) and competitiveness (X2), while the dependent variable is represented by organizational performance (Y). The results showed that the research data were normally distributed because L count from L table (0.0929 0.1953) with a confidence level of 0.05. The quality of human resources significantly affects organizational performance in Cooperative X  as evidenced by a signification value of 0.047 0.05; while competitiveness has an insignificant influence on organizational performance as evidenced by a signification value of 9.692 0.05. Multiple linear equations are formulated . Based on simultaneous tests, it was obtained that the null hypothesis was accepted as evidenced by a signification value of 0.0478 0.05. This means that the variables of human resource quality and competitiveness simultaneously have a significant effect on organizational performance in Cooperative X.
PENGARUH CELEBRITY ENDORSER NAGITA SLAVINA TERHADAP KEPUTUSAN PEMBELIAN PRODUK SKINCARE MS GLOW PADA MAHASISWA STIE PANCASETIA BANJARMASIN Norhidayati Norhidayati; Rifqi Amrulloh
Media Mahardhika Vol. 21 No. 1 (2022): September 2022
Publisher : STIE Mahardhika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/mahardika.v21i1.519

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The purpose of this study was to determine the credibility, attractiveness, and popularity simultaneously and partially have a positive and significant effect on purchasing decisions for MS GLOW Skincare Products at STIE Pancasetia Banjarmasin students and then to determine which variables have a dominant influence on purchasing decisions for MS GLOW Skincare Products.The method used is multiple linear regression analysis. This research was conducted on 254 students with a sample of 147 STIE Pancasetia Banjarmasin students who had used MS GLOW Skincare Products. Collecting data using a questionnaire distributed via Google Form with a measurement of 5 likert scale.The results show that 1. The variables of credibility, attractiveness, and popularity simultaneously have a positive and significant effect on purchasing decisions for MS GLOW Skincare Products where the value of Fcount > Ftable (82,023 > 2,67) with a significant level of 0.000 < 0.05. 2. The credibility variable with a value of tcount > t table (5.345 > 1.977) with a significant level (0.000 < 0.05), the attractiveness variable with a value of tcount > t table (3.481 > 1.977) with a significant level of 0.001 < 0.05, the popularity variable with the value of tcount > t table (4.697 > 1.977) with a significant level of 0.000 < 0.05 partially has a positive and significant effect on purchasing decisions for MS GLOW Skincare Products. 3. The variable that has the dominant influence on purchasing decisions for MS GLOW Skincare Products is credibility (X1) which has the largest value, which is 0.410.
Anak Muda Pintar Literasi Keuangan, Masa Depan Gemilang Arief Rahman; Tina Lestari; Rifqi Amrulloh; Fredy Jayen; Aulia Helmina Putri; Ragiel Pangestu; Pelita Ramadhaniah
Abdimas Awang Long Vol. 7 No. 2 (2024): Juni, Abdimas Awang Long
Publisher : Sekolah Tinggi Ilmu Hukum Awang Long

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

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Financial literacy atau literasi keuangan adalah aspek yang terus digencarkan pemerintah agar masyarakat Indonesia mampu mempunyai pengetahuan finansial sesuai kebutuhan sehari-hari mereka. Pertama, konsep dasar literasi keuangan bukan hanya didasarkan pada tiga aspek literasi keuangan yaitu pengetahuan, keterampilan, dan keyakinan, melainkan meliputi pula aspek sikap dan perilaku. Kedua, dalam kenyataannya, literasi keuangan sangat berkaitan erat dengan inklusi keuangan sehingga perlu adanya keselarasan dan kesinambungan antara kegiatan literasi keuangan dan inklusi keuangan. Ketiga, pencapaian strategi literasi dan inklusi keuangan lebih efisien dilakukan secara bersama-sama sehingga tujuan pencapaian literasi keuangan untuk memperluas akses masyarakat ke sektor jasa keuangan dapat dilakukan dengan lebih optimal. Tujuan dari pelaksanaan kegiatan ini menambah ilmu pengetahuan khusunya meningkatkan pengetahuan tentang literasi keuangan, menjadikan inspirasi bagi generasi muda tentang pentingnya literasi keuangan dan merupakan implementasi dari Kerjasama prodi dengan Forum Wartawan Ekonomi (FWE) Kalsel. FWE Kalsel Goes to Campus 2023 Kolaborasi STIE Pancasetia, melaksanakan seminar “Anak Muda Pintar Literasi Keuangan, Masa Depan Gemilang!.” Seminar dengan peserta kegiatan sebanyak 100 orang mahasiswa yang juga diikuti oleh dosen , staf struktural STIE Pancasetia, dengan mitra FWE Kalsel seperti Otoritas Jasa Keuangan, Bank Indonesia, Bank Kalsel, dan Pertamina. Kegiatan sangat baik dan mendapatkan antusias yang sangat luar biasa dari seluruh peserta, kegiatan ini berlangsung dengan lancar sesuai dengan jadwal pelaksanaan serta susunan acara. Peserta menjadi lebih meningkatkan pengetahuan mengenai pengelolaan keuangan dan literasi keuangan, mengenal dan mencintai rupiah serta mengetahui produk-produk perbankan dan capaian perbankan dalam beberapa periode khusunya produk dan capaian Bank Kalsel. Pemberian langsung oleh pihak-pihak yang kompeten dibidangnya. Rekomendasi yang diberikan kiranya semakin banyak PKM yang dapat memberikan bukan hanya edukasi dengan sosialisasi, namun juga pelatihan dilakukan selain untuk membangun branding juga merupakan wujud pengabdian kepada masyarakat. Kegiatan-kegiatan seperti ini bisa lebih dibuat besar dengan melibatkan mahasiswa maupun alumni dari STIE Pancasetia.
Factors Influencing Tourist Services At Lok Baintan Floating Market In Banjarmasin City Rahmah, Natasya Aprilia Nuzula; Kadir, Abdul; Jayen, Fredy; Amrulloh, Rifqi
Value : Jurnal Manajemen dan Akuntansi Vol. 19 No. 2 (2024): Mei - Agustus 2024
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jv.v19i2.5783

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The decline in the number of visitors to the Lok Baintan Floating Market from 2022 to 2023, complaints from tourists regarding seller ethics and communication, and the importance of improving service quality to maintain tourism sustainability at the Lok Baintan Floating Market are key issues. This study aims to analyze the influence of seller ethics and communication on tourist services at the Lok Baintan Floating Market, Banjarmasin City. This research uses a quantitative method with an explanatory research design, which aims to explain the relationship between variables through hypothesis testing. The research population consists of tourists visiting the Lok Baintan Floating Market, with a sample taken using purposive sampling technique. The results show that seller ethics and communication simultaneously have a significant impact on tourist services. Partially, seller ethics also significantly affect service quality, where sellers who exhibit good ethics in business and adhere to prevailing regulations tend to provide better service to tourists. Similarly, effective communication between sellers and tourists significantly contributes to improving service quality. This study concludes that enhancing seller ethics and communication skills can increase tourist satisfaction at the Lok Baintan Floating Market. The study suggests the need for training and development for sellers related to business ethics and effective communication to improve service quality and tourist experience.
Pelatihan Kewirausahaan untuk Penguatan Profil Pelajar Pancasila di SMP Kanaan Banjarmasin, Kalimantan Selatan Kosasih, Nico; Diany, Adista Anjar; Suchida, Irma; Lestari, Tina; Amrulloh, Rifqi
Jurnal Abdi Masyarakat Indonesia Vol 4 No 5 (2024): JAMSI - September 2024
Publisher : CV Firmos

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54082/jamsi.1391

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Program Projek Penguatan Profil Pelajar Pancasila (P5) dalam Kurikulum Merdeka merupakan pembelajaran lintas disiplin ilmu dalam mengamati dan memikirkan solusi terhadap permasalahan di lingkungan sekitar untuk menguatkan berbagai kompetensi seperti pengembangan soft skill dan karakter sesuai dengan profil pelajar pancasila. Sekolah Menengah Pertama (SMP) Kanaan Banjarmasin mulai memasukkan kegiatan berwirausaha pada salah satu mata pelajaran keterampilan, namun latar belakang pendidik di Sekolah Menengah Pertama (SMP) Kanaan Banjarmasin masih belum banyak yang memiliki pengalaman menjadi entrepreneur sehingga Sekolah Menengah Pertama (SMP) Kanaan Banjarmasin menyadari bahwa materi dari kegiatan kewirausahaan dapat menjadi solusi untuk mewujudkan pengembangan potensi diri dari siswa juga pengetahuan untuk para pendidik mengenai dunia usaha sesuai dengan profil pelajar Pancasila. Metode pelatihan menggunakan pendekatan persuasif edukatif, pemberian materi pelatihan kewirausahaan menggunakan metode ceramah, diskusi dan evaluasi diakhir kegiatan. Kegiatan ini dilaksanakan dalam empat tahap: identifikasi masalah dan persiapan, pemberian materi kewirausahaan, diskusi, dan evaluasi kegiatan keterampilan di Sekolah Menengah Pertama (SMP) Kanaan Banjarmasin. Hasil dari kegiatan ini menunjukkan siswa dan para pendidik (guru) telah memahami mengenai kewirausahaan dan strategi yang dapat dilakukan untuk memulai dan menjalankan suatu usaha.