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The Effect of Financial Literacy and Credit Procedures on Credit Taking Decisions Muhammad Sady; Abdul Rasyid; Fahrudin Pasolo
Advances in Economics & Financial Studies Vol. 2 No. 3 (2024)
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/aefs.v2i3.161

Abstract

Purpose: This study aims to determine the effect of Financial Literacy on Credit Decision Making. To assess the effect of Credit Procedures on Credit Taking Decisions. Moreover, to determine the impact of Financial Literacy and Credit Procedures on Credit Decision Making. Research Design and Methodology: The population in this study were debtors of Bank BRI Jayapura City Unit Office who applied for credit in 2021-2022, totaling 1,714 debtors. The sampling technique used in this study is proportional random sampling. Data sources use primary data and secondary data. The statistical analysis method used in this research is Multiple Linear Regression Analysis based on the T Statistical Test technique, F Statistical Test, and the Coefficient of Determination with the help of SPSS version 29 software. Findings and Discussion: The results showed that Financial Literacy has a positive and significant effect on Credit decision-making, and credit procedures have a positive and significant effect on credit decisions. Financial Literacy and Credit Procedures simultaneously affect the decision to take credit at BRI Bank Jayapura City Unit. Implications: This research is expected to significantly influence future studies in economics, particularly financial management. The results are also likely to serve as a reference and comparison material for further research related to credit decision-making.
The Art and Science of Financial Econometrics: Applications, Challenges, and Future Directions Abdul Rasyid
Advances in Economics & Financial Studies Vol. 2 No. 1 (2024)
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/aefs.v2i1.287

Abstract

This study delves into the realm of financial econometrics, aiming to comprehensively understand market dynamics and inform decision-making processes. Through a mixed-methods approach encompassing quantitative and qualitative methodologies such as surveys, interviews, and secondary data analysis, the research engages diverse stakeholders, enriching perspectives on financial econometrics. Findings reveal the efficacy of interdisciplinary research, methodological innovation, and stakeholder engagement in advancing the field, highlighting the imperative to bridge the gap between theoretical constructs and empirical realities. Embracing innovative methodologies and technologies emerges as crucial for navigating the complexities of modern financial markets, enhancing decision-making processes, and fostering innovation in financial econometrics
Service Quality on Customer Loyalty: Mediation of Customer Satisfaction Muhammad Anhar Hidayat; Abdul Rasyid; Fahruddin Pasolo
Advances in Business & Industrial Marketing Research Vol. 2 No. 3 (2024)
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/abim.v2i3.158

Abstract

Purpose: This study investigates the impact of Service Quality on Customer Satisfaction and Loyalty in the e-commerce sector, emphasizing the mediating role of Customer Satisfaction. The research hypothesizes that improvements in Service Quality positively affect both Customer Satisfaction and Loyalty and that Customer Satisfaction mediates the relationship between Service Quality and Customer Loyalty. Research Design and Methodology: A quantitative research design was employed using Structural Equation Modeling (SEM) to examine the relationships among Service Quality, Customer Satisfaction, and Customer Loyalty. The sample consisted of 120 customers from CV Cipta Buana Irian, a printing company in the e-commerce sector, selected through accidental sampling. Data were collected via questionnaires and analyzed to test the proposed hypotheses, ensuring validity and reliability through statistical tests. Findings and Discussion: The results demonstrate that Service Quality significantly influences Customer Satisfaction and Loyalty. Moreover, Customer Satisfaction mediates the effect of Service Quality on Customer Loyalty, indicating that high Service Quality enhances Customer Satisfaction, which boosts Customer Loyalty. These findings align with previous research, highlighting the importance of Service Quality and Customer Satisfaction in fostering Customer Loyalty in e-commerce settings. Implications: The findings suggest practical and theoretical implications for e-commerce businesses focused on improving customer satisfaction and loyalty. Future research should explore diverse sectors and methodologies, such as longitudinal studies, to understand these dynamics better and consider the role of digital engagement strategies in e-commerce.
Impact of Incentives and Work Discipline on Employee Performance Gilbert Alexander Damo; Abdul Rasyid; Yana Ameliana
Advances: Jurnal Ekonomi & Bisnis Vol. 3 No. 1 (2025): January - February
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/ajeb.v3i1.317

Abstract

Purpose: This study examines the simultaneous influence of incentives and work discipline on employee performance at PT BFI Finance Jayapura Branch. The hypothesis is that increasing incentives and work discipline will enhance employee performance. Research Design and Methodology: The research design uses a quantitative survey method. Data was collected through questionnaires distributed to 40 PT BFI Finance Jayapura Branch employees. Variables studied include incentives, work discipline, and employee performance. Data analysis was conducted using multiple linear regression to test the simultaneous effects of the independent variables on the dependent variable. Findings and Discussion: The findings indicate that incentives and work discipline significantly influence employee performance. The analysis shows that simultaneous incentives and work discipline increases contribute to improved employee performance. This study supports motivation theories such as Vroom's Expectancy Theory and Herzberg's Two-Factor Theory, emphasizing the importance of incentives and discipline in enhancing performance. Implications: The implications suggest that PT BFI Finance management should develop comprehensive incentive programs and effective work discipline strategies to boost employee performance. The study also recommends further research to explore the long-term effects of incentives and work discipline, considering additional variables such as leadership and organizational culture.
Pengaruh Kompetensi Sumber Daya Manusia, Disiplin Kerja dan Lingkungan Kerja Terhadap Kinerja Pegawai Pelajar Nehe; Mohammad Aldrin Akbar; Duta Mustajab; Muhdi B. Hi Ibrahim; Abdul Rasyid
Advances in Management & Financial Reporting Vol. 3 No. 3 (2025)
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/amfr.v3i3.552

Abstract

Tujuan: Studi asosiatif ini bertujuan untuk menganalisis pengaruh kompetensi SDM, disiplin kerja dan lingkungan kerja secara simultan terhadap kinerja pegawai pada Bappeda Kabupaten Pegunungan Bintang. Metode Penelitian: Penelitian ini menggunakan pendekatan kuantitatif dengan teknik sampling total, melibatkan 90 responden dari populasi 90 karyawan. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan analisis regresi berganda untuk menguji efek parsial dan simultan variabel independen terhadap kinerja karyawan. Hasil dan Pembahasan: Hasil studi ini menunjukkan bahwa kompetensi SDM, disiplin kerja, dan lingkungan kerja secara parsial maupun simultan berpengaruh signifikan terhadap kinerja pegawai Bappeda Kabupaten Pegunungan Bintang. Di antara ketiganya, kompetensi SDM merupakan faktor paling dominan dengan nilai beta tertinggi (0,383) dan signifikansi 0,000. Model penelitian ini mampu menjelaskan 69,3% variasi kinerja pegawai. Implikasi: Peningkatan kinerja pegawai dapat dicapai melalui penguatan kompetensi SDM, pembinaan disiplin kerja, serta penciptaan lingkungan kerja yang mendukung. Hasil ini mendorong pengambil kebijakan untuk lebih fokus pada pengembangan kapasitas pegawai secara menyeluruh dan berkelanjutan.
Determinasi Ukuran Perusahaan dan Profitabilitas terhadap Nilai Perusahaan Melalui Struktur Modal Arfan Trino Lesmana; Abdul Rasyid; Zakaria Zakaria; Muhamad Yamin Noch; Fahrudin Pasolo
Advances in Management & Financial Reporting Vol. 3 No. 3 (2025)
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/amfr.v3i3.565

Abstract

Tujuan: Penelitian ini bertujuan untuk menganalisis pengaruh ukuran perusahaan dan profitabilitas terhadap nilai perusahaan, dengan struktur modal sebagai variabel mediasi. Fokus penelitian ini ditujukan pada perusahaan subsektor telekomunikasi yang terdaftar di Bursa Efek Indonesia selama periode 2019–2023. Metode Penelitian: Pendekatan kuantitatif digunakan dengan metode Partial Least Squares Structural Equation Modeling (PLS-SEM) yang dianalisis melalui perangkat lunak SmartPLS. Teknik pengambilan sampel menggunakan purposive sampling dengan memilih perusahaan yang memenuhi kriteria tertentu untuk memastikan konsistensi dan ketersediaan data selama periode observasi. Hasil dan Pembahasan: Hasil penelitian menunjukkan bahwa profitabilitas memiliki pengaruh positif dan signifikan terhadap nilai perusahaan. Sebaliknya, ukuran perusahaan tidak berpengaruh signifikan. Struktur modal terbukti memiliki pengaruh signifikan terhadap nilai perusahaan dan berperan sebagai variabel mediasi dalam hubungan antara ukuran perusahaan serta profitabilitas terhadap nilai perusahaan. Temuan ini mendukung relevansi teori trade-off, signaling, dan pecking order dalam menjelaskan dinamika kebijakan pembiayaan dan nilai perusahaan. Implikasi: Penelitian ini memberikan kontribusi penting dalam literatur keuangan dengan menunjukkan pentingnya pengelolaan profitabilitas dan struktur modal dalam meningkatkan nilai perusahaan, terutama dalam industri padat modal seperti telekomunikasi.
Pengaruh Transformasi Digital Terhadap Budaya Kerja Melalui Core Values ASN BerAKHLAK Sebagai Pemediasi Ayu Khoirun Nisa; Mansur Mansur; Abdul Rasyid; Yendra Yendra
Advances in Management & Financial Reporting Vol. 3 No. 3 (2025)
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/amfr.v3i3.607

Abstract

Tujuan: Penelitian ini bertujuan untuk menganalisis peran nilai inti ASN BerAKHLAK sebagai variabel mediasi dalam pengaruh transformasi digital terhadap budaya kerja di IPDN Kampus Papua. Metode Penelitian: Pendekatan kuantitatif dengan metode kausal digunakan untuk menjelaskan hubungan sebab-akibat antarvariabel. Teknik sampling yang digunakan adalah sensus, melibatkan seluruh ASN (PNS dan PPPK) di IPDN Kampus Papua sebanyak 98 responden. Uji validitas dan reliabilitas dilakukan dengan standar minimum 0,70 untuk outer loading, Cronbach’s Alpha, dan Composite Reliability. Hasil dan Pembahasan: Seluruh konstruk memenuhi kriteria validitas dan reliabilitas. Nilai R-Square menunjukkan bahwa transformasi digital menjelaskan 59,4% variasi nilai inti ASN BerAKHLAK, sedangkan transformasi digital dan nilai inti ASN BerAKHLAK bersama-sama menjelaskan 65,3% variasi budaya kerja. Analisis F-Square menunjukkan pengaruh positif signifikan antarvariabel. Uji mediasi menunjukkan nilai koefisien jalur 0,324 dengan T-statistik 4,509 dan P-value 0,000, menandakan mediasi signifikan. Implikasi: Temuan ini menegaskan pentingnya penguatan nilai inti ASN BerAKHLAK sebagai strategi dalam mengoptimalkan pengaruh transformasi digital terhadap budaya kerja, serta dapat menjadi acuan kebijakan peningkatan kinerja ASN di lingkungan pendidikan kedinasan.