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All Journal Jurnal Ilmiah Edunomika (JIE) Science Midwifery TSARWATICA (Islamic Economic, Accounting, and Management Journal) Kontigensi: Jurnal Ilmiah Manajemen International Journal of Applied Finance and Business Studies
Annio Indah Lestari Nasution
Universitas Islam Negeri Sumatera Utara, Indonesia
Religion Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Nursing Public Health Social Sciences Veterinary

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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.
Effectiveness of health services through the mobile-JKN application for the elderly: A case study at the Gunung Tua BPJS health office, North Sumatra Hikmah Siregar; Annio Indah Lestari Nasution; Waizul Qarni
Science Midwifery Vol 13 No 6 (2026): February: Health Sciences and related fields
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/midwifery.v13i6.2274

Abstract

This study aims to analyze the effectiveness of healthcare services delivered through the Mobile JKN application for elderly participants at the BPJS Kesehatan Gunung Tua Office, North Padang Lawas Regency. A descriptive qualitative approach was applied, with data collected through interviews, observations, and literature review. The findings indicate that the utilization of Mobile JKN among the elderly has not yet reached an optimal level due to low digital literacy, limited smartphone ownership, unstable internet access, and difficulties in using application features. Family support plays a crucial role in improving service effectiveness, particularly through assistance from children or grandchildren in accessing digital services. Based on the SERVQUAL dimensions, Mobile JKN shows adequate reliability and empathy but still requires improvement in interface simplicity, responsiveness, and accessibility for elderly users. Overall, Mobile JKN has strong potential to enhance healthcare service efficiency if supported by continuous socialization, digital literacy strengthening, improved infrastructure, and family-based assistance.
Analysis of administrative service quality in ensuring the accuracy of pension benefit payments at PTPN IV regional 1 Ade Kurnia Sari; Annio Indah Lestari Nasution; Nurlaila Nurlaila
International Journal of Applied Finance and Business Studies Vol. 13 No. 3 (2025): December: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v13i3.407

Abstract

This study aims to analyze the quality of administrative services in ensuring the accuracy of pension benefit payments at PTPN IV Regional 1 by using a descriptive qualitative approach through interviews and observations. The background of this research stems from the importance of administrative service effectiveness in ensuring the welfare of retirees as part of sustainable human resource governance. The quality of administrative services is a strategic factor in building public trust and ensuring that retirees’ financial rights are fulfilled accurately and on time. The results show that, in general, administrative services have been carried out in accordance with standards, particularly in terms of payment timeliness, compliance with administrative procedures, and the reliability of digital systems. However, several challenges remain, such as limited digital literacy among elderly participants, technical issues in the application, and insufficient staffing, making the services less responsive. This condition indicates a gap between service standards and the capabilities of some participants, requiring optimization strategies such as personalized assistance, automatic reminder systems, manual service alternatives, and human resource capacity building to make services more inclusive, adaptive, and capable of ensuring accurate pension payments sustainably. Theoretically, this study contributes to the development of the concept of public service quality within the context of pension administration, particularly regarding the dimensions of responsiveness and equitable access for vulnerable groups. Practically, the findings are expected to serve as a foundation for PTPN IV management in formulating policies to enhance digital-based administrative services that are more inclusive and participant satisfaction-oriented.
Co-Authors Ade Kurnia Sari Alfiyani Barokah Hikmah Siregar Nurlaila Nurlaila Nurul Jannah Purnama Ramadani Silalahi Surya Darma Waizul Qarni wid dia