Articles
Effectiveness and Efficiency of the State Revenue and Expenditure Budget Policy in South Sumatra: Islamic Perspective Study
Setyadi, Bakti;
Helmi, Sulaiman;
Mohamad, Syed Ismail Syed
IKONOMIKA Vol 8, No 1 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung
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DOI: 10.24042/febi.v8i1.16465
Effective and efficient management of state finances has an essential role in Islam. This exploratory, descriptive study aims to analyze the effectiveness and efficiency of state revenue and expenditure budget policies in South Sumatra from an Islamic perspective. This research was conducted at the South Sumatra Provincial Government, especially at the South Sumatra Provincial Archives Service. Data were obtained from interviews, observations, and secondary sources, such as regional financial reports and South Sumatra audit reports, published publicly. Analysis of data on the ratio of effectiveness and efficiency is calculated by comparing the realization of APBD revenues with revenue targets. The results of the study show that the implementation of state revenue and expenditure budget policies in South Sumatra has been effective and efficient. In addition, the realization of the budget is also the same between the expected targets and the results obtained in the implementation of the state revenue and expenditure budget policy in South Sumatra. The principles of Islamic economics in the context of state financial management are based on fairness, justice and social welfare, and emphasize the importance of ethical behavior and transparency in economic transactions. It is very important to ensure that the government's revenue and expenditure policies are in line with the general objective of increasing social welfare and ensuring economic equity. The findings of this study indicate that the Provincial Government of South Sumatra has effectively implemented revenue and expenditure policies that are in line with sharia economic principles.
Customer Loyalty in Indonesian Sharia Commercial Banks: Study of Customer Satisfaction and Service Quality as Moderating Variables
Bakti Setyadi, Bakti Setyadi;
Sulaiman Helmi;
Syed Ismail bin Syed Mohammad
International Journal of Islamic Business and Economics (IJIBEC) Vol 7 No 1 (2023): Volume 7 Nomor 1 Tahun 2023
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
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DOI: 10.28918/ijibec.v7i1.6924
Providing quality services is one strategy to achieve business success in the service sector, especially in terms of customer satisfaction and loyalty. This study aims to understand the empirical model and analyze the impact of service quality on customer loyalty, mediated by customer satisfaction. To achieve this, an explanatory research design was used, and a sample of 150 customers from the Palembang branch of Islamic Banks was selected using a simple random sampling technique. A questionnaire was used as the research instrument, and its validity and reliability were tested using CFA analysis. A complex causality model was then used, which was tested through the PLS-SEM technique. The results revealed that service quality has a significant direct effect on customer loyalty, with a substantial immediate impact on customer satisfaction. Additionally, customer satisfaction partially mediates the impact of service quality on customer loyalty. These findings have significant implications for businesses in the service sector, indicating that providing quality services is a critical strategy for achieving success, particularly in terms of customer satisfaction and loyalty. Based on these results, it is suggested that businesses focus on improving the quality of their services by regularly monitoring and assessing the quality of services offered to customers and investing in employee training to enhance the quality of their services.
The Role of Incentives in Increasing Scientific Publications and Their Impact on Lecturer Career Development at Bina Darma University
Wati, Bungsu Widias;
Helmi, Sulaiman
Sinergi International Journal of Education Vol. 3 No. 3 (2025): August 2025
Publisher : Yayasan Sinergi Kawula Muda
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DOI: 10.61194/education.v3i3.468
Improving the academic productivity of lecturers is one of the main focuses of universities in addressing the challenges of globalization in education. Scientific publications play a strategic role in supporting lecturer career development while enhancing the institution's reputation. This study aims to analyze the effect of incentives on increasing scientific publications and their impact on the career development of lecturers at Bina Darma University. A quantitative approach was used with a survey involving 61 faculty members. Data were analyzed using SmartPLS 4. The results show that incentives do not significantly influence scientific publications or career development, while scientific publications positively affect career development. These findings suggest the need for administrative reform and enhanced research facilities to improve the effectiveness of incentive policies.
The Effect of Capital Intensity, Profitability, and Leverage on Tax Avoidance in Transportation and Logistics Companies Listed on the Indonesian Stock Exchange
khoirunnisa, khoirunnisa;
Helmi, Sulaiman;
Sartika, Dewi;
Gustini, Emilia
International Journal of Finance Research Vol. 6 No. 3 (2025): International Journal of Finance Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)
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The purpose of this study is to determine the effect of capital intensity, profitability, and leverage on tax avoidance in transportation and logistics companies listed on the Indonesia Stock Exchange. Tax avoidance is a deliberate approach taken by individuals, organizations, or legal entities to reduce their tax liabilities legally. This study uses secondary financial statement data accessible through the Indonesia Stock Exchange website at www.idx.co.id. The population in this study consists of 84 transportation and logistics companies, and the sample used comprises 28 companies. The sampling method used is purposive sampling, with data analysis techniques employing multiple linear regression through the SmartPLS version 4 program. The results of this study indicate that capital intensity influences tax avoidance. Meanwhile, profitability and leverage do not influence tax avoidance
Pengaruh Kualitas Produk Terhadap Loyalitas Pelanggan Dimediasi Kualitas Layanan Di PT Sinergi Gula Pabrik Gula Cinta Manis
., Ikbal;
Helmi, Sulaiman
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 5 No. 5 (2025): September-Oktober
Publisher : CV. ITTC INDONESIA
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DOI: 10.47233/jebs.v5i5.3473
This study aims to analyze the effect of product quality on customer loyalty mediated by service quality at PT Sinergi Gula Nusantara Pabrik Gula Cinta Manis, a producer of Nusa Kita branded sugar. Based on observations, there were customer complaints regarding product quality, such as coarse and moist sugar texture compared to competing brands, as well as complaints about service quality, particularly the company’s slow response when problems occurred.This research employed a quantitative approach with data analysis techniques using Structural Equation Modeling Partial Least Square (SEM-PLS). The research sample consisted of 30 respondents who were customers of the company. The results showed that product quality had a significant effect on customer loyalty with a significance value of 0.000 (≤ 0.05). In addition, product quality also had a significant effect on service quality. However, service quality had no significant effect on customer loyalty (P-Value = 0.259 > 0.05) and was unable to mediate the effect of product quality on customer loyalty (P-Value = 0.262 > 0.05). Therefore, it can be concluded that product quality is the main factor influencing customer loyalty, both directly and not through service quality.
Pengaruh Word Of Mouth (Wom) Dan Brand Loyalti Terhadap Minat Beli Konsumen (Studi Kasus Pada Distributor Sparepart Motor Ud. Berkat Mulia)
Fitri, Septa Yunanda;
., Trisninawati;
Helmi, Sulaiman;
Roni, Mukran
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 5 No. 5 (2025): September-Oktober
Publisher : CV. ITTC INDONESIA
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DOI: 10.47233/jebs.v5i5.3540
This research is motivated by the problems faced by UD. Berkat Mulia, namely the increasing number of motorcycle spare part stores, intense competition, the presence of brand loyalty among consumers, and consumers who are sensitive to services that must be as good as possible because it can affect the results received by consumers. If the service is not satisfying, there will be bad testimonials which will be heard by the outside community, and this will have a negative impact in the future on consumer purchase intention. This study aims to analyze the influence of brand loyalty on word of mouth and consumer purchase intention, as well as to determine the mediating role of word of mouth in the relationship between brand loyalty and purchase intention at UD. Berkat Mulia. The research method used is quantitative with a Structural Equation Modeling Partial Least Square (SEM-PLS) approach. The research sample consisted of 100 respondents selected using the Slovin technique. The results show that brand loyalty has a positive and significant effect on word of mouth, and also has a positive and significant effect on purchase intention. In addition, word of mouth is also proven to have a positive and significant effect on purchase intention. Another finding indicates that word of mouth is able to mediate the effect of brand loyalty on consumer purchase intention. Thus, this research emphasizes the importance of strengthening brand loyalty in increasing consumer recommendations and encouraging purchase intention. Practically, the results of this research can be used as a reference for companies in formulating more effective marketing strategies through optimizing brand loyalty and the dissemination of positive word of mouth.
The Role of Endorsers in Optimizing Sme Promotion Through Instagram Social Media in Palembang
Aquina, Salsa Melania Aquina;
Zinaida, Rahma Santhi;
Helmi, Sulaiman;
Jabir, Bastian
Communica : Journal of Communication Vol. 2 No. 3 (2024): July 2024
Publisher : Indonesian Scientific Publication
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DOI: 10.61978/communica.v2i3.307
The advancement of information technology and the growing popularity of e-commerce have revolutionized marketing culture, allowing producers to connect directly with consumers through platforms like Instagram, regardless of time and location. This study, titled "The Role of Endorsers in Optimizing SME Promotion Through Instagram Social Media in Palembang," investigates how endorsers enhance SME product visibility and influence through the Instagram account @Sikonyols. By employing qualitative methods and analyzing data from the endorser’s account, followers, and collaborating SMEs, the study finds that endorsers significantly impact consumer purchasing decisions by delivering precise communication and influencing followers. This research fills a gap in understanding the effectiveness of digital marketing strategies for SMEs. The findings suggest that effective communication styles and accurate information delivery by endorsers greatly enhance promotional reach, underscoring the importance of influencer marketing in the digital era. The implications highlight that SMEs should leverage social media endorsements to optimize product promotions, significantly benefiting from reduced marketing costs and increased brand awareness.
Analysis of Digital Marketing Public Relations Strategy in Efforts to Market BBK (Quality Fuel) Products through the My Pertamina Application
Kurniawan, Achmad;
Zinaida, Rahma Santhi;
Jabir, Bastian;
Helmi, Sulaiman
Communica : Journal of Communication Vol. 2 No. 3 (2024): July 2024
Publisher : Indonesian Scientific Publication
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DOI: 10.61978/communica.v2i3.348
This study aims to analyze the Public Relations (PR) strategy of Pertamina Patra Niaga Regional Region of South Sumatra in marketing Special Fuel ((QUALITY FUEL)) products through the My Pertamina application, as well as evaluate its impact on customer loyalty and fuel usage during a certain period. This study uses a qualitative approach with data collection methods through in-depth interviews, direct observation, and documentation. Primary data was obtained from interviews with Pertamina's Public Relations, while secondary data came from related literature and media reports. The analysis was carried out to understand the effectiveness of marketing strategies and the application of digital technology in increasing the use of Quality fuel. The results of the study show that the PR strategy through the My Pertamina application significantly increases customer loyalty. The app facilitates transactions and provides a points-based loyalty program that is effective in attracting customers. The increase in the use of Quality fuel products, especially Pertamax and Dex Series, was recorded during the homecoming period with an increase in demand of up to 64%. The Public Relations strategy through the My Pertamina application is effective in increasing customer loyalty and promoting (QUALITY FUEL) products. However, there are challenges in the implementation of digital technology, especially among people who are not used to using applications. Further education is needed to optimize the benefits of this app across customer segments
The Effect of Financial Literacy on Academic Achievement: Financial Management as A Mediation Variable
Septiani, Putri;
Helmi, Sulaiman;
Gunarto, Muji
Novatio : Journal of Management Technology and Innovation Vol. 2 No. 4 (2024): October 2024
Publisher : Indonesian Scientific Publication
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DOI: 10.61978/novatio.v2i4.496
This study is motivated by the importance of financial literacy in students' lives, especially in influencing their academic performance. Students with a good understanding of financial literacy tend to be more able to manage finances effectively, contributing to better academic achievement. This study aims to analyze the effect of financial literacy on student academic achievement: financial management as a mediating variable. The approach used in this research is quantitative using a survey method. The research sample consisted of 100 active students of Bina Darma University, who were selected using a non-probability sampling technique. Data was processed using Structural Equation Modeling (SEM) analysis through SmartPLS 4.0. The results showed that (1) financial literacy has a significant effect on student academic achievement, (2) financial literacy has a significant effect on financial management, (3) financial management has a significant effect on student academic achievement, and (4) financial management acts as a mediating variable in the relationship between financial literacy and student academic achievement. This finding confirms that an increase in financial literacy must be accompanied by good financial management skills to positively impact students' academic performance. Therefore, universities are expected to provide more intensive financial education to help students manage their finances more effectively.
Analysis of Product, Promotion and People Marketing Mix on Customer Decisions in the Use of Mobile Banking at Bank Mandiri Prabumulih South Sumatra Province Inpress Market Branch Office
Yanto, Rudi;
Helmi, Sulaiman;
Trisninawati;
Sharif, M. Amiruddin
Data : Journal of Information Systems and Management Vol. 2 No. 3 (2024): July 2024
Publisher : Indonesian Scientific Publication
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DOI: 10.61978/data.v2i3.332
Competition in the banking industry in Indonesia is getting tighter with the number of banking institutions operating. To compete, banks need to have a competitive advantage through the adoption of information technology and quality services. Bank Mandiri, especially Prabumulih Inpress Market Branch Office, has implemented mobile banking as one of the efforts to improve services to customers. However, the effectiveness of the marketing mix (products, promotions, and people) in encouraging customers' decisions to use mobile banking services still needs further research. This study aims to investigate the influence of marketing mix strategy on the decision to use mobile banking at Bank Mandiri Prabumulih Inpress Market Branch Office. Through the analysis of primary data collected from customers, this study is expected to provide deeper insights into the factors that affect mobile banking adoption. The results of the research are expected to make a strategic contribution in increasing the effectiveness of the promotion and use of mobile banking services, as well as strengthening Bank Mandiri's image in the eyes of customers.