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All Journal Ilomata International Journal of Management Jurnal Ekonomi FINANCE : International Journal Of Management Finance
Nur Ahmadi Bi Rahmani
State Islamic University of North Sumatra
Economics, Econometrics & Finance Social Sciences

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THE EFFECT OF MARKETING MIX AND SERVICES ON CUSTOMER DECISIONS IN USING THE SERVICES OF THE INDONESIAN SHARIA BANK KC KABANJAHE Widia Anggraini; Muhammad Lathief Ilhamy Nasution; Nur Ahmadi Bi Rahmani
Jurnal Ekonomi Vol. 12 No. 02 (2023): Jurnal Ekonomi, Perode April - Juni 2023
Publisher : SEAN Institute

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

Abstract

The marketing mix is ​​a marketing strategy that consists of 4 components, namely: price strategy, product strategy, location strategy, and promotion strategy. This study has 5 independent variables (X), namely: Price, product, promotion and service locations and 1 dependent variable (Y), namely: Customer decision. The research was conducted at Bank Syariah Indonesia KC Kabanjahe by distributing questionnaires to 100 customers which aimed to find out how the marketing mix influences customer decisions in using BSI KC Kabanjahe services and which of the 5 independent variables most influences customer decisions. Quantitative is the research method used with the T test and F test using SPSS for Windows. Based on the research results, the marketing mix has a significant effect on customer decisions and of the 5 independent variables, promotion is the most dominant variable influencing customer decisions.
The Effect of Return on Equity, Capital Adequacy Ratio and Financing to Deposit Ratio on Return on Assets of PT. Bank Muamalat Tbk Mhd Rizki Khairi; Atika; Nur Ahmadi Bi Rahmani
Ilomata International Journal of Management Vol. 5 No. 4 (2024): October 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i4.1274

Abstract

The aim of this study is to analyze the impact of Return on Equity (ROE), Capital Adequacy Ratio (CAR), and Financing to Deposit Ratio (FDR) on the Return on Assets (ROA) in PT. Bank Muamalat Tbk. Quantitative approaches are used using secondary data. The data collection process involves the analysis of quarterly financial reports published by P.T. Bank Muamalat in the period 2014-2023. The researchers analyzed the loss report, the financial position report and the calculation report of the minimum capital provision obligation. Statistical analysis is carried out using the SPSS version 29 program, where double linear regression methods are applied to data processing. The results of statistical analysis based on Test F show that at a 95% confidence level (α = 0.05), the variables ROE, CAR, and FDR together or simultaneously have a significant influence on ROA. The research hypothesis states that the independent variable has a significant impact on Return on Assets (ROA) as a dependent variable. From the results of the T test, the ROE variable has a significant effect on ROA of PT Bank Muamalat Tbk, while the CAR and FDR variables have no effect on ROA of PT Bank Muamalat Tbk. The estimate model yielded R values of 0.993 and R square of 0.986. This suggests that there is a very significant correlation between the free and the bound variables, where 98.6% of the changes in the binding variables can be explained by the free variables in this model. As for the other 1.4% affected by aspects not covered in the model.
Work Value Perception and Government Agricultural Policies Influence Youth Career Interest in Farming: Tumpatan Nibung Nabila Zahara; Purnama Ramadani Silalahi; Nur Ahmadi Bi Rahmani
Finance : International Journal of Management Finance Vol. 4 No. 1 (2026): September
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/finance.v4i1.214

Abstract

This project originated due to the unenthusiastic nature of the younger generation of Tumpatan Nibung Village in seeking a career in agriculture, even though the place has a remarkably huge potential of agricultural land. This research would examine how the perceptions of Work Value along with the Government Agricultural Policies impacted the younger generation with regard to their Career Interest in Tumpatan Nibung Village. The research adopted a quantitative design with a survey methodology, which was conducted among 100 respondents (ages 16-30 years) chosen by purposive sampling. A Likert-scale questionnaire was used to collect data, and analyzed with multiple linear regression in IBM SPSS Statistics 26. The findings are that Work Value Perception and Government Agricultural Policies positively and statistically significantly have a partial influence and a concomitant influence on career interest in agriculture. The amount of variation of career interest that is explained by the two variables is 0.755 or 75.5 per cent, and 24.5 per cent is explained by other variables that are not included in the model. This research finds that the perceived importance of work and government policy favorableness amongst the young people are factors relating to career interest in agriculture. Based on this, the government and agricultural extension workers should enhance outreach, access to programs, and mentoring of the younger generation.
Co-Authors Atika Mhd Rizki Khairi Muhammad Lathief Ilhamy Nasution Nabila Zahara Purnama Ramadani Silalahi Widia Anggraini