Garuda - Garba Rujukan Digital

PENGARUH FLUKTUASI HARGA EMAS, INFLASI, BI RATE DAN UKURAN PERUSAHAAN TERHADAP PEMBIAYAAN PRODUK GADAI EMAS BANK UMUM SYARIAH Herman Paleni; Mia Erfiani
Jurnal Interprof Vol 6 No 1 (2020): Jurnal Interprof Juni
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/interprof.v6i1.909

Islamic bank are bank that carry out business activites based on Islamic principles, namely agreements based on Islamic law between bank and customers in accordance with Islamic law. The function of the bank is as an intermediary between people who are over-funded and those who are short of founds. There are many product channeling founds in Islamic banking one of which is gold mortgage financing. In 2012, golg mortgage financing experienced a very high increase but in 203 as slight decline until finally the decrease in the financing of the lowest gold mortgage that is in 2015. This is what makes the author interested to comply with the reduction of gold mortgage financing. The method of analysis used in this research is the method of panel data regression analysis done with Eviews 8. One of the requirements to perform multiple analysis test needs to be tested classical assumption. It is necessary that the resulting regression equation be BLUE (Best, Linear, Unbiased, Estimator). In addition to assess the goodness of fit a model tested coefficient of determination, F test, and t test. This study uses quarterly data from 20012-2018 for each research variable. The results of this study indicate that the variable gold price fluctuations, the BI Rate has a negative effect on the financing of gold pawning products and the inflation variable has an effect on the financing of the gold price variables and firm size have a positive effect on the financing of gold pawning products.

PENGARUH FLUKTUASI HARGA EMAS, INFLASI, BI RATE DAN UKURAN PERUSAHAAN TERHADAP PEMBIAYAAN PRODUK GADAI EMAS BANK UMUM SYARIAH Mulyadi, Mulyadi; Suwarno, Suwarno; Sari, Weli Paita; Paleni, Herman; Erfiani, Mia
Jurnal Interprof Vol 6 No 1 (2020): Jurnal Interprof, Juni
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/interprof.v6i1.909

Islamic bank are bank that carry out business activites based on Islamic principles, namely agreements based on Islamic law between bank and customers in accordance with Islamic law. The function of the bank is as an intermediary between people who are over-funded and those who are short of founds. There are many product channeling founds in Islamic banking one of which is gold mortgage financing. In 2012, golg mortgage financing experienced a very high increase but in 203 as slight decline until finally the decrease in the financing of the lowest gold mortgage that is in 2015. This is what makes the author interested to comply with the reduction of gold mortgage financing. The method of analysis used in this research is the method of panel data regression analysis done with Eviews 8. One of the requirements to perform multiple analysis test needs to be tested classical assumption. It is necessary that the resulting regression equation be BLUE (Best, Linear, Unbiased, Estimator). In addition to assess the goodness of fit a model tested coefficient of determination, F test, and t test. This study uses quarterly data from 20012-2018 for each research variable. The results of this study indicate that the variable gold price fluctuations, the BI Rate has a negative effect on the financing of gold pawning products and the inflation variable has an effect on the financing of the gold price variables and firm size have a positive effect on the financing of gold pawning products.

PENGARUH PERSEPSI KEMUDAHAN PENGGUNAAN, PERSEPSI KEGUNAAN DAN PERSEPSI RISIKO TERHADAP MINAT MENGGUNAKAN E-PAYMENT DANA Putri, Septa Nabilah; Paleni, Herman
Jurnal Interprof Vol 11 No 1 (2025): Jurnal Interprof, Juni
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/interprof.v11i1.2725

Electronic payment systems have transformed financial transactions; however, user adoption among university students remains inconsistent. This study this gap by examining the effects of perceived ease of use, perceived usefulness, and perceived risk on users’ intention to adopt DANA, one of the leading digital wallet providers in Indonesia. Guided by the Technology Acceptance Model (TAM), survey data were collected from 302 Indonesian university students and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that perceived ease of use significantly influences both perceived usefulness and behavioral intention, while perceived usefulness strongly predicts perceived risk and user intention. Perceived risk exerts a positive but weaker effect on behavioral intention. Collectively, the model explains 69.6% of the variance in user intention, thereby confirming the explanatory power of TAM in the context of digital wallets. Theoretically, this study validates and extends TAM by incorporating perceived risk; practically, it offers insights for e-wallet providers and regulators to design digital financial services that are secure, efficient, and user-friendly. The study’s limitation lies in its single-sample focus on university students, which restricts generalizability. Future research should involve a larger and more diverse population and integrate moderating factors such as trust and financial literacy.

PENGARUH KEBIJAKAN DIVIDEN, STRUKTUR HUTANG, DAN PROFITABILITAS TERHADAP NILAI PERUSAHAAN SEKTOR ENERGI DI BURSA EFEK INDONESIA Paleni, Herman; Pradana, Fiter Xarnes
Jurnal Interprof Vol 11 No 1 (2025): Jurnal Interprof, Juni
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/interprof.v11i1.2728

This study aims to assess the effect of dividend policy, debt policy, and profitability of oil and gas sub-sector companies listed on the Indonesia Stock Exchange for the years 2019-2022. The method applied in this study is quantitative and uses panel data regression with a sample of 14 companies. The model testing uses the Chow Test, Hausman Test, and Lagrange Multiplier, and the results show that the Random Effect Model is the most appropriate. The results show that the Dividend Payout Ratio (DPR) has a significant positive effect on Price to Book Value (PBV), indicating that dividend policy is a driver for companies. On the other hand, the Debt Equity Ratio (DER) and Return on Equity (ROE) do not have a significant effect on PBV. However, when taken together, DPR, DER, and ROE have an effect on PBV with a coefficient of determination (R2) of 13.47%. This indicates that, in the oil and gas sub-sector, investors pay more attention to the consistency of dividend policy than debt policy and profitability in evaluating company performance. The practical and managerial implications that can be drawn from this study are the need for company management to maintain and sustain dividend policy in the long term in order to increase investor confidence and enhance company value.

PENGARUH KEDISIPLINAN DAN LINGKUNGAN KERJA NON FISIK TERHADAP EFEKTIVITAS KERJA PEGAWAI DENGAN BUDAYA ORGANISASI SEBAGAI VARIABEL MODERASI Irvan, Ari; Paleni, Herman; Apandi, Apandi
Jurnal Interprof Vol 11 No 2 (2025): Jurnal Interprof, Desember
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/interprof.v11i2.2943

Penelitian ini bertujuan menganalisis pengaruh kedisiplinan dan lingkungan kerja non fisik terhadap efektivitas kerja pegawai serta menguji peran budaya organisasi sebagai variabel moderasi. Fokus kajian diarahkan pada pemahaman bagaimana faktor perilaku individu dan kondisi psikososial tempat kerja berkontribusi terhadap capaian efektivitas kerja dalam konteks organisasi publik. Pendekatan yang digunakan adalah kuantitatif dengan desain survei. Data dikumpulkan melalui kuesioner kepada pegawai dan dianalisis menggunakan regresi linier serta moderated regression analysis. Pengujian dilakukan untuk menilai pengaruh parsial, simultan, serta efek interaksi moderator dalam menjelaskan variasi efektivitas kerja. Hasil uji parsial menunjukkan bahwa, kedisiplinan berpengaruh positif dan signifikan terhadap efektivitas kerja. Lingkungan kerja non fisik juga terbukti memberikan pengaruh positif dan signifikan. Temuan ini menegaskan bahwa kepatuhan terhadap aturan dan kualitas relasi sosial di tempat kerja berperan penting dalam mendukung kinerja yang efektif. Pengujian simultan memperlihatkan bahwa kedua variabel independen secara bersama-sama berpengaruh signifikan terhadap efektivitas kerja. Disiplin menyediakan fondasi perilaku kerja yang tertib, sedangkan lingkungan non fisik menyediakan konteks psikologis yang mendukung implementasi perilaku tersebut secara produktif. Selanjutnya hasil uji moderasi menunjukkan bahwa, budaya organisasi memperkuat pengaruh kedisiplinan dan lingkungan kerja non fisik terhadap efektivitas kerja. Nilai penjelasan model meningkat setelah memasukkan moderator. Temuan ini mengindikasikan bahwa nilai dan norma organisasi berperan sebagai penguat hubungan antarvariabel dalam mendorong efektivitas kerja pegawai

PENGARUH E-GOVERNMENT DAN PERILAKU KERJA TERHADAP KUALITAS LAYANAN PUBLIK Veti, Tiara; Paleni, Herman; Famalika, Ade
Jurnal Interprof Vol 11 No 2 (2025): Jurnal Interprof, Desember
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/interprof.v11i2.2944

Penelitian ini bertujuan untuk menganalisis pengaruh E-Government dan Perilaku Kerja terhadap Kualitas Layanan Publik di Kecamatan Megang Sakti menggunakan pendekatan Partial Least Squares (PLS) dengan bantuan SmartPLS 3. Hasil pengujian outer model menunjukkan bahwa, seluruh indikator pada konstruk E-Government, Pelayanan Publik, dan Perilaku Kerja memiliki nilai outer loading di atas 0,70, sehingga memenuhi validitas konvergen. Nilai Average Variance Extracted (AVE) masing-masing konstruk juga berada di atas 0,70, yang menegaskan bahwa, indikator mampu menjelaskan varians konstruk secara memadai. Uji validitas diskriminan melalui cross loading menunjukkan bahwa, setiap indikator memiliki korelasi tertinggi terhadap konstruk yang diukurnya dibandingkan dengan konstruk lain. Reliabilitas konstruk juga sangat baik, ditunjukkan oleh nilai Composite Reliability (>0,96) dan Cronbach’s Alpha (>0,95) pada seluruh variabel. Hasil analisis inner model menunjukkan bahwa, E-Government berpengaruh positif dan signifikan terhadap Pelayanan Publik, demikian pula Perilaku Kerja yang memiliki pengaruh positif dan signifikan. Secara simultan, kedua variabel berkontribusi terhadap Pelayanan Publik dengan nilai R² sebesar 0,195 dan Adjusted R² sebesar 0,158, yang menunjukkan bahwa 19,5% variasi Pelayanan Publik dapat dijelaskan oleh model, sementara sisanya dipengaruhi oleh faktor lain di luar penelitian. Temuan ini menegaskan bahwa, peningkatan kualitas pelayanan publik memerlukan sinergi antara penguatan sistem digital dan pengembangan perilaku kerja aparatur secara profesional dan berorientasi pada pelayanan masyarakat

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