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All Journal Managament Insight: Jurnal Ilmiah Manajemen EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis AFEBI Economic and Finance Review AFEBI Management and Business Review Kumawula: Jurnal Pengabdian Kepada Masyarakat SINTA Journal (Science, Technology, and Agricultural) Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Bima Journal : Business, Management and Accounting Journal Journal of Research in Social Science and Humanities Journal of Indonesian Management Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Ekonomia JELAJAH: Journal of Tourism and Hospitality Jurnal Multidisiplin Dehasen (MUDE) Jurnal Akuntansi, Manajemen dan Bisnis Digital Jurnal Indonesia Raya Jurnal Dehasen Untuk Negeri Jurnal Dehasen Mengabdi Jurnal Administrasi Bisnis Nusantara Ekonomia Jurnal Gotong Royong Jurnal Bisnis, Manajemen, dan Akuntansi Journal of Business Management Journal of Law, Social Science, and Management Review Jurnal Pengabdian Mandiri

Damarsiwi, Eska Prima Monique

Universitas Dehasen Bengkulu

Author-ID : 6464668

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PENILAIAN TINGKAT KESEHATAN BANK UMUM SYARIAH DEVISA MENGGUNAKAN METODE RISK BASED BANK RATING (RBBR) PERIODE 2014-2016 Monique, Eska Prima; Prawitasari, Andriani
JURNAL EKOMBIS REVIEW Vol 6 No 2 (2018)
Publisher : Fakultas Ekonomi Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1316.909 KB)

Banks face problems in determining business strategy in managing their business. this business strategy will then be used as the foundation and framework to realize the work goals that have been determined by management. In the past ten years, sharia banking has grown rapidly, especially since the issuance of statute no. 10 of 1998. This research uses three risk assessment method (Risk Based Bank Rating), which are risk profile aspect (NPL, LDR), earning ratio (ROA, NIM), and capital adequacy (CAR). As for the aspects of good corporate governance (GCG), it is not used because it requires primary data concerning bank secrecy. The sample population in this study is sharia foreign exchange bank. while the sampling method used purposive sampling (i.e. taking samples with certain criteria). The population for foreign exchange banks is 35, but this study only uses 5 sharia banks (based on predetermined criteria). Based on the results of this study the entire sample of Sharia Banking Foreign Exchange shows the results of CAR performance with a very healthy predicate. Although in 2015 the performance of Non Performing Loan (NPL) had decreased, but in 2016 all Sharia Foreign Exchange Banks were able to improve NPL performance to below 5% (healthy performance predicate). In 2014-2016, there are 4 out of 5 Sharia Foreign Currency Bankers performing Loan To Deposit Ratio (LDR) with a fairly healthy predicate (LDR is between 85% and 100%). Net Interest Margin (NIM) performance of all samples of Foreign Exchange Sharia Banking in 2014-2016 tends to be very healthy (NIM> 3%). So it can be said that the company is able to profit from interest income. During 2014-2016 the Return on Asset (ROA) performance of the Sharia Banking Foreign Exchange (ROA) sample also tended to increase, if in the previous two years (2014 and 2015) only 2 out of 5 sample banks have ROA above 1.25% then in 2016 there 3 out of 5 sample banks are able to achieve ROA performance even above 1.5% (very healthy predicate)

ANALISIS STRATEGI PENGEMBANGAN USAHA TAHU TEGUH PRIBADI DI BENGKULU TENGAH Monique, Eska Prima; Nasution, Suswati
JURNAL EKOMBIS REVIEW Vol 7 No 2 (2019)
Publisher : Fakultas Ekonomi Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (341.805 KB)

Small and medium enterprises (SMEs) which are now better known as micro and small enterprises play an important role in the growth of the Indonesian economy. The company carries out a SWOT analysis (Strength, Weakness, Oppurtunity, and Threat) in determining marketing strategies. The respondents in this study are tofu producers, suppliers, consumers, governments, competitors and marketing institutions of Tahu Teguh Pribadi. Where this analysis consists of 2 analysis variables, namely an analysis of internal factors consisting of strengths and weaknesses, and external analysis consisting of opportunities and threats. The IFAS (Internal Factor Analysis Summary) matrix shows that the strength and weakness factors have a total score of 3.01. The EFAS (External Factor Analysis Strategy) matrix shows that opportunity and threat factors have a total value of 3.16. Based on the Cartesian diagram shows that Usaha Tahu Teguh Pribadi is in the Growth quadrant where the quadrant is a very favorable situation. S-O strategy (Strenght-Opportunity) then obtained the factor that must be maintained to be able to take the opportunities that are: Improving product quality by utilizing technological developments to maintain consumer trust and forming associations / unions of business entrepreneurs to maintain bargaining positions against suppliers. The W-O strategy (Weakness-Opportunity) obtained results, namely: Increasing sales volume through product diversification by utilizing culinary policies and improving the quality of human resources through programs from the government. S-T strategy (Great Strenght) shows results: Improving quality and maintaining product continuity with good production management to improve competitiveness. And can improve marketing efficiency by establishing W-T (Weakness-Threat) Strategy partnership relationship, namely: Use simple SOPsfor effectiveness and efficiency. As well as increasing capital and promotion networks through product packaging and increasing human resources

EFFECT OF THE ADDITION OF GINGER AND PANDAN EXTRACT ON SOY MILK PROCESSED Hilda Meisya Arif; Eska Prima Monique Damarsiwi
SINTA Journal (Science, Technology, and Agricultural) Vol 2, No 2 (2021)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/sinta.2.2.39-47

Soy milk is a processed product derived from soy bean extraction. Protein contained in soy milk has almost the same amino acid content as animal milk so it can be used as a substitute milk for those who are allergic to animal milk. This soy milk processing does not need to use equipment that is complicated enough, just a simple tool and without special skills. Ginger (Zingiber officinale Roscoe) is one of the findings that belong to the living pharmacy plant, which is believed to eliminate colds, prevent or reduce influenza, cough rheumatism and as an analgesic and anti-inflammatory medicine. Pandan (Pandanaceae) is a monocot plant that has a distinctive aroma. Pandan also has a green color that can be used as a dye to add to the appeal of soy milk. Fragrance in pandans can be used for sedatives and at certain levels useful in shortening sleep induction. Testing used 30 panelists with the RAL method and organoleptic testing of color, taste and aroma. The results showed that the PH in soy milk at the treatment of P1,P2,P3 experienced a significant increase so it can be said that the pH of soy milk with the addition of extrax percentage of ginger and pandan by (2%.5% and 7%) increased. Increased PH in soy milk results in the taste of soy milk increasingly bitter and bitter. In organoleptic testing the color of the P2 treatment was preferred by panelists with a value of 4.78. Organoleptic taste obtained the results of P1 has a value of 3.5 which means panelists prefer the taste of soy milk with a treatment of 2% extrax ginger and pandan. Sendagkan on organoleptic testing aroma panelists prefer P3 treatment with a value of 3.76.

PENILAIAN TINGKAT KESEHATAN BANK UMUM SYARIAH DEVISA MENGGUNAKAN METODE RISK BASED BANK RATING (RBBR) PERIODE 2014-2016 Eska Prima Monique; Andriani Prawitasari
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 6 No 2 (2018)
Publisher : UNIVED Press

Banks face problems in determining business strategy in managing their business. this business strategy will then be used as the foundation and framework to realize the work goals that have been determined by management. In the past ten years, sharia banking has grown rapidly, especially since the issuance of statute no. 10 of 1998. This research uses three risk assessment method (Risk Based Bank Rating), which are risk profile aspect (NPL, LDR), earning ratio (ROA, NIM), and capital adequacy (CAR). As for the aspects of good corporate governance (GCG), it is not used because it requires primary data concerning bank secrecy. The sample population in this study is sharia foreign exchange bank. while the sampling method used purposive sampling (i.e. taking samples with certain criteria). The population for foreign exchange banks is 35, but this study only uses 5 sharia banks (based on predetermined criteria). Based on the results of this study the entire sample of Sharia Banking Foreign Exchange shows the results of CAR performance with a very healthy predicate. Although in 2015 the performance of Non Performing Loan (NPL) had decreased, but in 2016 all Sharia Foreign Exchange Banks were able to improve NPL performance to below 5% (healthy performance predicate). In 2014-2016, there are 4 out of 5 Sharia Foreign Currency Bankers performing Loan To Deposit Ratio (LDR) with a fairly healthy predicate (LDR is between 85% and 100%). Net Interest Margin (NIM) performance of all samples of Foreign Exchange Sharia Banking in 2014-2016 tends to be very healthy (NIM> 3%). So it can be said that the company is able to profit from interest income. During 2014-2016 the Return on Asset (ROA) performance of the Sharia Banking Foreign Exchange (ROA) sample also tended to increase, if in the previous two years (2014 and 2015) only 2 out of 5 sample banks have ROA above 1.25% then in 2016 there 3 out of 5 sample banks are able to achieve ROA performance even above 1.5% (very healthy predicate)

ANALISIS STRATEGI PENGEMBANGAN USAHA TAHU TEGUH PRIBADI DI BENGKULU TENGAH Eska Prima Monique; Suswati Nasution
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 7 No 2 (2019)
Publisher : UNIVED Press

PENGARUH PROFESIONALISME, INDEPENDENSI AUDITOR, ETIKA PROFESIONAL, DAN GAYA KEPEMIMPINAN TERHADAP KINERJA AUDITOR Eska Prima Monique; Suswati Nasution
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 8 No 2 (2020)
Publisher : UNIVED Press

Seorang auditor dalam melaksanakan audit atas laporan keuangan tidak semata-mata bekerja untuk kepentingan kliennya, melainkan juga untuk kepentingan pihak lain yang mempunyai kepentingan atas laporan keuangan auditan. Oleh karena itu, dalam memberikan pendapat mengenai kewajaran laporan keuangan yang diperiksa, akuntan publik harus bersikap independen,profesional dan memiliki etika profesi,namum gaya kepemimpinan juga dapat mempengaruhi kinerja seorang auditor.Sampel yang digunakan dalam penelitian sebanyak 60 responden,yang mana data tersebut akan di uji asumsi klasik terlebih dahulu sebelum selanjutnya dilakukan uji analisis regresi berganda.Hasil uji menyatakan bahwa variabel profesionalisme,independensi dan etika profesi memiliki pengaruh yang signifikan terhadap kinerja auditor,sedangkan variabel gaya kepemimpinan tidak memiliki pengaruh yang signifikan terhadap kinerja auditor. Berdasarkan hasil tersebut maka dapat di simpulkan bahwa seorang auditor yang melakukan audit secara profesional akan bersikap independen sehingga hasil audit tidak dapat di pengaruhi oleh pihak lain, hal ini sejalan dengan etika profesi seorang auditor yang harus selalu jujur,tepat waktu,dan dalam pengambilan sutu keputusan selalu tepat tidak memikirkan kepentingan suatu golongan.

PENGARUH KUALITAS JASA DAN KEPERCAYAAN TERHADAP LOYALITAS NASABAH PEGADAIAN (Studi Kasus Upc Sawah Lebar ) Ida ayu Made Er Meytha Gayatri; Eska Prima Monique Damarsiwi
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 9 No 1 (2021)
Publisher : UNIVED Press

This type of research is a quantitative study in which sampling uses incidental sampling techniques and the number of samples 30 respondents. The technique of answering data using a questionnaire. The data obtained were analyzed using SPSS, with analysis test multiple regression, double correlation analysis and statistical tests (t test, and F test,). The results of the study indicate that simultaneously, service quality and trust variables, together affect loyalty in Upc Sawah Lebar. While partially the service quality variable (X1) significantly influences customer loyalty at Upc Sawah Lebar with a sig value of 0.012. The trust variable (X2) also has a significant effect on customer loyalty at Pegadaian Upc Sawah Lebar with a sig value of 0.21. While the coefficient of determination (R2) of 52.1 for Upc Sawah Lebar means that the contribution of an independent variable explains or influences the dependent variable by 52.1%, while the remaining 47.9% is influenced by other variables not examined in this study. Key Words: service quality, trust

Pengaruh Gaya Hidup, Brand Image dan Kualitas Pelayanan terhadap Keputusan Pembelian pada Bro And Sis Cafe Kota Bengkulu Lita Afiana; Eska Prima Monique Damarsiwi; Nirta Vera Yustanti
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 10 No 1 (2022)
Publisher : UNIVED Press

Kemajuan teknologi pesat serta perubahan lingkungan, pebisnis melakukan perubahan inovasi untuk memenuhi kebutuhan konsumen yang beraneka ragam serta mempertahankan konsumen menghadapi persaingan bisnis, macam usaha dilakukan untuk menciptakan produk unggul serta kegiatan pemasaran menimbulkan perusahaan melakukan strategi mempengaruhi pasar dan mencapai target penjualan. Penelitian ini bertujuan untuk mengetahui pengaruh gaya hidup, brand image dan kualitas pelayanan terhadap keputusan pembelian pada Bro and Sis Cafe Bengkulu. konsumen pada Bro and Sis Cafe Bengkulu. Sampel dalam penelitian ini 115 orang pelanggan yang berkunjung ke Bro and Sis Cafe Bengkulu. Hasil peneltian menunjukkan arah regresi positif dengan persamaan. Hasil persamaan regresi berganda menunjukkan persamaan Y = 10.539+ 0.179X1 + 0.409X2 + 0.174X3 dengan arah regresi positif, artinya apabila Gaya Hidup, Brand Image dan Kualitas Pelayanan mengalami peningkatan maka Keputusan Pembelian juga akan meningkat. Gaya Hidup memiliki pengaruh yang signifikan terhadap Keputusan Pembelian pada Bro and Sis Cafe dibuktikan dengan nilai thitung > dari ttabel (2,295 > 1,658) dengan nilai signifikansi sebesar 0,024 < 0,05. Brand Image memiliki pengaruh yang signifikan terhadap Keputusan Pembelian pada Bro and Sis Cafe dibuktikan dengan nilai thitung > dari ttabel (5,470 > 1,658) dengan nilai signifikansi sebesar 0,000 < 0,05. Kualitas pelayanan memiliki pengaruh yang signifikan terhadap Keputusan Pembelian pada Bro and Sis Cafe dibuktikan dengan nilai thitung > dari ttabel (2,640 > 1,658) dengan nilai signifikansi sebesar 0,009 < 0,05. Gaya Hidup, Brand Image dan Kualitas Pelayanan berpengaruh signifikan secara bersama-sama terhadap Keputusan Pembelian pada Bro and Sis Cafe hal ini dibuktikan dengan diperoleh Fhitung > Ftabel (33,102 > 3,08) dengan nilai signfikan sebesar 0,000 dan nilai signifikansi dibawah 0,05.

PENGARUH PENGEMBANGAN EKOWISATA BAHARI PANTAI LINAUKABUPATEN KAUR PROVINSI BENGKULU Eska Prima Monique Damarsiwi; Yun Fitriano
Management Insight: Jurnal Ilmiah Manajemen Vol 14, No 2 (2019): Managament Insight: Jurnal Ilmiah Manajemen
Publisher : Unib Press Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (668.417 KB)

The development of marine tourism is more aimed at activities with broad vision on the preservation of resources and the environment or better known as marine ecotourism. This marine tourism concept discusses the use of coastal biological resources and various small islands that prioritize environmentalpreservation. Collection of 5 research variables namely attractiveness, accessibility, Public and Private Facilities, tourism image and environmental quality as variables considered to be able to increase the development of marine ecotourism on the linau coast of lanau village. The research method in this studywas a study using a cross sectional questionnaire. The sample used in this study was 399 respondents consisting of various criteria established by the author. From the results of the study found that the attractiveness, accessibility, image and environmental quality have a significant positive effect on marine ecotourism on the Linau coast, while public and private facility factors are not significant on marineecotourism activities on the linau coast. Haliini may be due to lack of development in waters, natural habitat and natural beauty are not damaged and will be removed.

PENGARUH MOTIVASI DAN MORAL KERJA TERHADAP KINERJA PEGAWAI PADA BADAN PENGELOLAAN KEUANGAN DAERAH KABUPATEN SELUMA Deli Efrianto; Eska Prima Monique Damarsiwi; Tito Irwanto
Jurnal Ekonomia Vol 11 No 2 (2021): JULI 2021
Publisher : LPPM ITBis Lembah Dempo

Tujuan penelitian ini yakni buat mengenali pengaruh motivasi serta moral kerja terhadap kinerja pegawai Badan Pengelolaan Keuangan Daerah Kabupaten Seluma. Ilustrasi dalam riset ini 38 orang ASN pada Badan Pengelolaan Keuangan Wilayah Kabupaten Seluma. Pengumpulan informasi memakai kuesioner dan analisis yang digunakan ialah regresi linier berganda, koefisien determinan serta uji parsial dan simultan. Hasil analisis regresi menampilkan Y= 7, 432+ 0, 325X1+ 0, 523 X2, perihal ini menggambarkan arah regresi yang positif, maksudnya terdapat pengaruh yang positif antara X1 motivasi) serta X2 (moral kerja) terhadap kinerja( Y). Berarti kalau apabila variabel motivasi serta moral kerja bertambah sehingga bakal meningkatkan kinerja. Besarnya nilai koefesien determinasi yakni 0, 570.Perihal ini berarti bahwa X1( motivasi) serta X2 (moral kerja) mempengaruhi terhadap kinerja(Y) sebesar 57% sebaliknya sisanya 43% dipengaruhi oleh variabel- variabel yang lain yang tidak diteliti dalam riset ini. Hasil uji hipotesis secara parsial( uji t) ataupun secara terpisah dapat dilihat bahwa pengaruh motivasi terhadap kinerja memiliki nilai signifikan sebesar 0, 025<0, 05, pengaruh moral kerja terhadap kinerja mempunyai nilai signifikan sebesar 0, 001<0, 05. Maka dapat disimpulkan secara parsial variabel motivasi dan moral kerja memiliki pengaruh yang signifikan terhadap kinerja. pegawai pada Badan Pengelolaan Keuangan Daerah Kabupaten Seluma. Hasil uji hipotesis secara simultan (uji F) atau secara bersama-sama memiliki nilai signifikansi sebesar 0,000 kecil dari 0,05. Artinya variabel motivasi dan moral kerja memiliki pengaruh yang signifikan secara bersama-sama terhadap kinerja pegawai pada Badan Pengelolaan Keuangan Daerah Kabupaten Seluma.

Co-Authors ', Darmawansyah Abdul Rahman Abdul Rahman Agung Surya Pramata Ahmad Soleh Akbar Ilahi Aldi Zulfikar Aliano, Dio Andriani Prawitasari Ardiana, Rina Arif, Hilda Meisya Ariska , Yesi Indian Ariska, Yesi Indian Arsianti, Devi Buaton, Wiranda Danofi, Alwin Deli Efrianto Devi Arsianti Dian Safitri Dian Safitri Eddlyn Jervis Effendi, Yanto Elma, Tiara F.A, Raden Ajeng Flaura Febliansa, M. Rahman Febliansyah, M. Rahman Ferdian Fachrie Hero Putra Fitriano, Yun Gayatri, Ida Ayu Made Er Meytha Gustianti, Sherly Hanila, Siti Harwini, Dewi Helvoni Mahrina Hendri Antara Hidayah, Nenden Restu Hijeria , Putri Hilda Meisya Arif Hilda Meisya Arif Ida Anggraini Ida Anggriani Ilahi, Wahyu Indra Gunawan Irlis Suanto Iswi Dana Utama Putra Junaidah Junaidah Karona Cahya Susena, Karona Cahya Kontesa, Cecilia Kresnawati, Kresnawati Lita Afiana Liza Yulianti M Jeffri Arlinandes Chandra Madalena, Putri Meliani, Nita Mia Tri Agustina Muhammad Rahman Febliansa Muhammad Rahman Febliansyah Muhammad Roky Pratama Mulyadi, Singgi Nasution, Suswanti Nasution, Suswati Natasya, Adelia Nenden Restu Hidayah Nengsih, Mimi Kurnia Neri Susanti Nia Indriasari Nia Indriasari Nia Indriasari, Nia Nirta Vera Yustanti Nugroho , Husnul Nurzam Nurzam, Nurzam Pegi Ade Putra Penola, Yola Pramata, Agung Surya Prasetia, Zelinda Prawitasari, Andriani Puspita, Sinta Dian Putri Madalena Putri, Lydia Gustina Putriani, Ririn Restu Sukri Rivaldhy Muhammad Rydarto, Dennis Selsa Dlayorza Sherly Gustianti Siswanto Siswanto Siti Hanila Siti Hanila Subagia, Nyoman Gede Suhardi, Mutia Aprizki Sulisti Afriani Sulisti Afriani, Sulisti Sundari, Zuzeta Suswati Nasution Suswati Nasution Syahputra, Paldi Awan Tambunan, Denis Ryanto Tanti Harlena Tawakal, Anzori Tito Irawanto Tito Irwanto Vellya Agustin Wagini Wahyu Ilahi Yanuardi Yanuardi Yanuardi Yanuardi Yesi Indian Ariska Yessy Indiana Ariska Yudi Irawan Abi Yulianti, Oni Yun Fitriano Zuzan, Analia Zuzeta Sundari

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