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All Journal JURNAL GLOBAL MANAJEMEN Jurnal CENDIKIA ISNU
Risnawati Siregar
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Religion Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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THE INFLUENCE OF INCENTIVE/REWARD SYSTEM AND MOTIVATION ON EMPLOYEES WORK ACHIEVEMENT ON PT. ASURANSI JIWASRAYA (PERSERO) SOUTHMEDAN BRANCH Novia Ruth Silaen; Jenni Tarigan; Risnawati Siregar
JURNAL GLOBAL MANAJEMEN Vol 9 No 1 (2020): JUNI
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitass Darma Agung

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Abstract

This study aims at determining whether the system of rewards and motivation affect the work performance of employees at PT. Asuransi Jiwasraya (Persero) Medan. The hypothesis is the reward and motivation system influences employee work performance. The population is all employees, amounting to 35 people with a sample of 35 people. The analytical method is the analysis of Multiple Linear Regression, t-test, F-test and Determination test. The results of this study indicate that the equation of Multiple Linear Regression Y = 0.615 + 0.666X1 + 0.572X2, which means that the reward and motivation system has a positive effect on employee performance. Based on the t-test showed a positive and significant effect, it was seen that the significance for the effect of X1 on Y was 0.010 < 0.05, tvalue 2.732> ttable 2.037. The effect of X2 on Y is 0.001 < 0.05, tcount value of 3.763 > ttable 2.037, which means that if the reward and motivation system is improved then the employee's work performance will increase. Based on the F test shows that the reward and motivation system simultaneously and significantly influence employee performance where Fcount 70.548 > Ftable 3.29, and the significance value (0.000 < 0.05). And the results of the coefficient of determination test on Adjusted Rsquare of 0.804 which means that the reward and motivation system is able to explain the increase in employee performance by 80.4% the remaining 19.6% is explained by other variables.
Analysis of the Implementation of the Musyarakah Contract in Sharia Financial Practice According to Law No. 21 of 2008 Risnawati Siregar; Tita Nazwa Natalia; Putri Rizka Anindya; Putra Pamungkas
Jurnal Cendikia ISNU SU Vol. 2 No. 3 (2025): Vol.2 No.3 Desember 2025
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/jcisnu.v2i3.951

Abstract

The development of the Islamic economy in Indonesia encourages the importance of understanding and implementing musharakah contracts as one of the main financing instruments in the Islamic banking system. This research aims to examine the basic concepts, practical implementation, as well as obstacles and solutions in the implementation of musharakah contracts based on Law No. 21 of 2008 concerning Islamic Banking. The method used in this study is a normative analysis method with a literature study approach and analysis of laws and regulations. The research stages include data collection through document review, analysis of the mechanism for implementing musharakah contracts in Islamic financial institutions, identification of types of musharakah products, and evaluation of obstacles and implementation solutions. The results of the study show that the musharakah contract involves the principle of capital partnership with a fair and transparent profit-sharing system. However, its implementation still faces various challenges such as limited risk management, lack of public literacy, and implementation standards that are not yet uniform. The solutions offered include improving public education, utilizing digital technology, strengthening risk management, and harmonizing regulations. By optimizing the implementation of musyarakah, it is hoped that an inclusive, fair, and Islamic financing system can be realized.
Co-Authors Jenni Tarigan Novia Ruth Silaen Putra Pamungkas Putri Rizka Anindya Tita Nazwa Natalia