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All Journal Jurnal Ilmiah Edunomika (JIE) TSARWATICA (Islamic Economic, Accounting, and Management Journal) Kontigensi: Jurnal Ilmiah Manajemen
Annio Indah Lestari Nasution
Universitas Islam Negeri Sumatera Utara, Indonesia
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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PENGARUH FEE BASED INCOME, SPREAD BAGI HASIL, DAN FINANCING TO DEPOSIT RATIO TERHADAP PROFITABILITAS Alfiyani Barokah; Annio Indah Lestari Nasution; Nurul Jannah
JURNAL ILMIAH EDUNOMIKA Vol 8, No 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.10680

Abstract

The goal of the study is to determine how the profitability of the Shariah general bank (BUS), which is anticipated to provide a return on assets, is impacted by fee-based income, spread for income, and financing to deposit ratio. (ROA). Descriptive quantitative research is the term for this kind of study. Data from the SBH, FBI, FDR, and ROA BUS for the years 2015 to 2022 are used as secondary data in the form of time series or time rows. The Financial Services Authority (OJK) website's Statistics of the Shariah General Bank provided the information. Purposive sampling was used to choose the sample for this investigation (based on criteria). Six Shariah General Banks (BUS) with OJK registration, namely BJBS, BMI, BMS, BSB, BCAS, and BTPN shariah, were utilized as samples. The study's findings demonstrate that the financing to deposit ratio, fee-based revenue, and spread for income collectively have a favorable and significant impact on the profitability (ROA) of Sharia banking at the Sharia General Bank in Indonesia. Keywords : Fee based Income, Spread to Profit, Financing to Deposit Ratio, Profitability
THE CHALLENGE DIGITALISATION OF PENSION FUND SERVICES FOR ELDERLY PENSIONERS: EVALUATION OF THE USE OF DAPENBUN ONLINE APPLICATION AT PTPN III MEDAN Ade Kurnia Sari; wid dia; Annio Indah Lestari Nasution
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol. 6 No. 2 (2025)
Publisher : STIESA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35310/tsarwatica.v6i2.1383

Abstract

Digitalisation has been a key driver in the transformation of Indonesia's financial sector and pension services, but elderly retirees face various obstacles, such as low digital literacy, limited internet access, and physical difficulties in using technology. This article discusses the challenges of digitalisation of pension fund services for elderly retirees through an evaluation of the use of the Dapenbun Online application at PTPN III Medan. This research uses a descriptive qualitative approach with data collection techniques through observation, in-depth interviews, and documentation studies. The results show that although the Dapenbun Online application offers easy access to information and pension claims, it still has various challenges. Therefore, this article recommends solutions such as ball pick-up services, development of telephone services, and training to improve technological understanding among retirees, in order to create a more inclusive and responsive service to the needs of elderly retirees.
Implementation Of Organizational Culture And Job Satisfaction Through Employee Performance At PT. Traktor Kuning Deli Serdang Surya Darma; Annio Indah Lestari Nasution; Purnama Ramadani Silalahi
Kontigensi : Jurnal Ilmiah Manajemen Vol 13 No 2 (2025): Kontigensi: Jurnal Ilmiah Manajemen
Publisher : Program Doktor Ilmu Manajemen, Universitas Pasundan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/jimk.v13i2.881

Abstract

Organizational culture is now a major focus in the business world due to the various benefits it offers. This culture creates an internal company atmosphere that can spur creativity and motivation, leading to increased work performance. With a solid and positive organizational culture, company performance can improve significantly, boosting productivity and effectiveness. Furthermore, job satisfaction is a crucial factor influencing employee performance. Employers need to pay special attention to job satisfaction and work motivation to boost individual and overall organizational performance. Excellent employee performance will ultimately improve the quality and efficiency of the company or organization. This research is a descriptive study with a qualitative approach. To achieve this objective, the data collection technique used data collection through interviews and documentation. Interviews were conducted directly with sources (informants) involved in PT Traktor Kuning, namely the Deputy Manager of PT Traktor Kuning, the Head of IT at PT Traktor Kuning Deli Serdang, and PSDS Deli Serdang employees.
Co-Authors Ade Kurnia Sari Alfiyani Barokah Nurul Jannah Purnama Ramadani Silalahi Surya Darma wid dia