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All Journal Jurnal Ilmiah Ekonomi dan Bisnis JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) GEMAH RIPAH: Jurnal Bisnis
M Nawawi, Zuhrinal
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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PENGARUH KUALITAS PRODUK ASURANSI SYARIAH MOBILKOE DAN KUALITAS PELAYANAN TERHADAP LOYALITAS NASABAH: (Studi Kasus PT. Asuransi Bumi putera Muda Syariah Medan) Zuhdi, Suhaimi; M Nawawi, Zuhrinal; Indah Lestari Nasution, Annio
ECONOMOS Vol 3 No 03 (2023): EKONOMI DAN BISNIS
Publisher : KELOMPOK KOMUNITAS LABORATORIUM PENELITIAN (COMMUNITY OF RESEARCH LABORATORY)

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Tujuan penelitian ini Untuk mengetahui bagaimana pengaruh kualitas pelayanan terhadap loyalitas peserta pada PT AJS Bumiputera.Metode penelitian yang digunanakan dalam penelitian ini adalah metode kuantitatif yang menggunakan jenis data primer dan skunder. Teknik analisis data yang digunakan adalah analisis regresi berganda. Hasil penelitian menunjukkan bahwa variabel kualitas produk mobilekoe tidak memiliki pengaruh yang signifikan terhadap variabel kualitas pelayanan, nilai thitung> ttabel (1,305<1.662),hal ini menunjukkan bahwa kualitas produk mobilekoe tidak dapat meningkatkanloyalitas nasabah. Kedua, variabel kualitas pelayanan berpengaruh positif terhadap variabel loyalitas nasabah dengan nilai thitung> ttabel(2,188>1.662). hal ini menunjukkan bahwa kualitas pelayanan yang diterapkan dengan baik ini dapat meningkatkan loyalitas nasabah yang baik pula hal ini sangat berdampak pada kemajuan perusahaan. Ketiga, Berdasarkan hasil uji simultan variabel kualitas produk dan kualitas pelayanan berpengaruh terhadap loyalitas nasabah dengan nilai fhitung>ftabel (5,270>3,10), sehingga tinggi atau rendahnya variabel independen secara bersama-sama dapat mempengaruhi loyalitas nasabah.
ANALISIS PENGHAMBAT REVITALISASI PASAR DALAM MENJAGA EKSISTENSI PASAR TRADISIONAL AKSARA MEDAN Panyusunan, Raja; M Nawawi, Zuhrinal; Tambunan, Khairina
Jurnal Ilmiah Ekonomi Dan Bisnis Vol. 21 No. 1 (2024)
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/jieb.v21i1.19561

Abstract

The revitalization of the Medan Aksara traditional market which has been carried out by the Medan City Government is not only by completely overhauling the physical market building but also making innovations such as 1) Implementing digital money 2) Creating memberships for buyers, 3) Launching a Digital Market Pilot, and 4) creating a traditional market Medan city as a tourist market. Through research using a qualitative approach, the results obtained were that in its implementation, the traditional market revitalization program was faced with several inhibiting factors, namely: The existence of resistance from market traders, and market management problems including the concept of arranging sales places that did not make it easy for sellers and buyers, locations that were less strategic because they were not there is no public transportation, a small parking area, and the absence of capital from traders who used to be in the market for a long time before the revitalization and relocation.
Strategi Agen BSI Smart Dalam Memberikan Layanan Kepada Masyarakat Pedesaan (Studi Kasus di Kecamatan Babussalam Kabupaten Aceh Tenggara ) Salsabila, Raisya; M Nawawi, Zuhrinal; Anggraini, Tuti
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8 No 3 (2024): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v8i3.27854

Abstract

This research explores the role of BSI Smart agents as an extension of BSI in increasing the accessibility of banking services for communities in remote areas. By using field research methods and a qualitative approach, this research also uses SWOT analysis by looking for weaknesses, strengths, opportunities and threats in the presence of BSI SMART Laku Pandai. This research finds that BSI Smart makes financial transactions easier, provides easy services, and reaches a wider community. Apart from that, BSI Smart also provides business opportunities for agents to earn additional income. The presence of BSI Smart agents also provides financial literacy education to the public, improving their ability to manage personal finances, reducing economic risks and improving overall quality of life.
Mitigasi Risiko Pembiayaan KUR Syariah untuk UMKM : Studi Kasus di BSI KC Medan Ahmad Yani Lubis, Meysa Chairani; Sugianto, Sugianto; M Nawawi, Zuhrinal
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 9 No 2 (2025): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v9i2.31795

Abstract

This study aims to examine the risk mitigation strategy for People's Business Credit (KUR) financing at BSI KC Ahmad Yani Medan through a descriptive qualitative approach. The analytical method used is the Miles and Huberman interactive model, which consists of data reduction, data presentation, and conclusion drawing. The results indicate that despite the implementation of the 5C principle, particularly regarding character aspects, financing risks still arise in the post-disbursement phase. Three main problems identified include: misuse of KUR funds for consumptive purposes, the absence or inaccuracy of business financial reports, and expansion failure due to weak customer managerial capacity. These findings confirm that character assessment alone is insufficient, necessitating a risk mitigation strategy that focuses not only on the initial phase but also includes ongoing interventions. These strategies include improving financial literacy and developing the human resources capacity of MSMEs, separating business and personal accounts, using more comprehensive and advanced technology, and implementing more proactive risk-based monitoring. \\ Theoretically, these findings enrich the development of the risk mitigation model, moving from the classic 5C approach to a dynamic framework encompassing behavioral analysis, financial coaching, and adaptive monitoring, to create a more resilient, inclusive, and sustainable microfinance system
Co-Authors Indah Lestari Nasution, Annio Lubis, Meysa Chairani Panyusunan, Raja Salsabila, Raisya Sugianto Sugianto Tambunan, Khairina Tuti Anggraini Zuhdi, Suhaimi