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Kedudukan Asset Yayasan Yang Dijadikan Jaminan Dalam Permohonan Kredit Bank Rafnelly Rafki; Ahmad Muliadi; Irawan Santosa
Jurnal Nuansa Kenotariatan Vol 5, No 1 (2019)
Publisher : Postgraduate of Jayabaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31479/jnk.v5i1.187

Abstract

The Foundation is a nonprofit organization incorporated under Article 1 paragraph 1 of Law No. 28 of 2004 on the amendment of Law 16 of 2001 on the Foundation. To be able to support in order to achieve his aim, the Foundation permitted to establish a legal entity and or participate in a business entity. This research is a descriptive analytical, research that provides data or description of the object of the research issues that are not intended to test the theory, but in the limit to explain the variable research on lending by banks to the foundation. In this research will be described regarding the granting of credit by banks to the foundation principles associated with healthy credit. The researches will provides answer that it can be seen that the intended use of foundation assets as collateral for the loan is membngun, expand, improve infrastructure facilities aimed at social, religious and humanitarian such as education and hospitals. If the foundations are in default or injury promises in the implementation of the payment and repayment of debt, the bank will carry out the execution of the foundation's assets used as loan collateral. The process of execution of loan guarantees its implementation in accordance with applicable laws similar position with the firm, CV, limited liability company and Cooperatives. In the execution of the foundation assets in case of default of payment execution carried out such a sum of money to the court decision binding. Execution starts with ends with auction rebukes and mortgage-burdened. After the auction the collateral objects and auction proceeds handed over to the lender, then the burden of mortgage objects will be handed over to the buyer diroya and auctions are clean and free of all expenses.
KONTRIBUSI KECERDASAN INTELEKTUAL, EMOSIONAL, SPRITUAL DAN KEPEMIMPINAN TERHADAP KINERJA DOSEN Rinda Lestari; Rafnelly Rafki
JURNAL KESEHATAN PERINTIS Vol 2 No 2 (2015): DESEMBER 2015 : Jurnal Kesehatan Perintis (Perintis's Health Journal)
Publisher : LPPM UNIVERSITAS PERINTIS INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (140.671 KB)

Abstract

Tujuan dari penelitian ini adalah untuk menganalisis pengaruh budaya organisasi, kepuasan kerja, dan komitmen organisasional terhadap kinerja Dosen. Adapun objek penelitian yang dipilih dalam studi ini adalah Dosen STIKES KOTA PADANG. Data dikumpulkan melalui metode kuesioner yang diisi secara mandiri terhadap 127 responden dengan menggunakan metode sensus. Pengukuran terhadap konstruk eksogen dan endogen diuji menggunakan analisis faktor konfirmatori, dan hasilnya menunjukkan bahwa uji kelayakan full model berada dalam rentang nilai yang diharapkan. Hasil dari penelitian ini membuktikan dan memberi kesimpulan bahwa: (1) budaya organisasi berpengaruh positif dan signifikan terhadap kepuasan kerja, (2) budaya organisasi berpengaruh positif dan signifikan terhadap komitmen organisasional, (3) kepuasan kerja berpengaruh positif dan signifikan terhadap komitmen organisasional, (4) komitmen organisasional berpengaruh positif dan signifikan terhadap kinerja dosen, (5) budaya organisasi berpengaruh positif dan signifikan terhadap kinerja dosen, serta (6) kepuasan kerja berpengaruh positif dan signifikan terhadap kinerja karyawan.
Factors Influencing Behavioral Propensity To Use Mobile Shopping Apps In Generation X: The Tam Approach Rafnelly Rafki; Nofriadi Nofriadi; Yolanda Oktarina; Nurhaida Nurhaida; Rinda Lestari; Nova Mustika
ARRUS Journal of Social Sciences and Humanities Vol. 3 No. 1 (2023)
Publisher : Lembaga Penelitian dan Pengembangan Teknologi dan Rekayasa, Yayasan Ahmar Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/soshum1715

Abstract

The purpose of this study was to study the factors that influence the intention of Generation X in using online shopping applications, with the TAM (Technology Acceptance Model) approach. This research is a survey research using questionnaires as a tool to collect data. Pre-testing is carried out at the beginning of the study, before distributing questionnaires to ensure that the instruments used are valid and understandable. The 50 respondents were Generation Xers aged 43 to 58, who used online shopping applications. The instrument is a questionnaire consisting of two parts, namely the independent variable and the dependent variable. The data were analyzed with SEM, and validity and reliability tests were conducted. What influences Generation X's intention to shop on online shopping apps is 1. perception of usefulness, 2. perception of ease of use,3. perception of value and 4. perception of security. In addition, social factors such as subjective norms and reference groups. This research can help e-commerce companies improve services to Generation X consumers, by making it easier for them to use online shopping applications.
PENGARUH KONFLIK, STRESS DAN PERUBAHAN ORGANISASI TERHADAP PRODUKTIVITAS KARYAWAN Rafnelly Rafki; Hafidz Aima; Lusiana Lusiana; Silvia Sari; Yolanda Oktarina; Nofriadi Nofriadi
Dinamika: Jurnal Manajemen Sosial Ekonomi Vol 3 No 2 (2023): DINAMIKA : Jurnal Manajemen Sosial Ekonomi
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi - Studi Ekonomi Modern

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/dinamika.v3i2.400

Abstract

Employee well-being is an important factor in the productivity and success of an organization. Conflict can cause stress, and job dissatisfaction and affect employee welfare. Protracted conflicts or damaging relationships between employees can hinder operational efficiency. There has been much study of the effects of conflict and stress, but not much has been studied about the effect of conflict and stress and organizational change on employee productivity. The purpose of this study is to study the effect of conflict, stress, and organizational change on employee productivity. This research is a survey research with data collection of 300 respondents through questionnaires and interviews. Questions in the survey include the level of conflict experienced, its impact on productivity, and the factors that influence it. There are 3 independent variables, namely conflict, stress, and organizational change. Its dependent variable is productivity. Linear regression or multiple regression is used to identify the extent to which conflict, stress, and organizational change predict productivity. Also used analysis with SEM. The results showed that the level of conflict in the workplace had a significant negative impact on employee productivity. The level of stress experienced by employees is also related to productivity. High stress leads to a decrease in productivity. Organizational change contributes to higher levels of conflict and stress among employees. However, managing change with good communication and management support can reduce the negative impact of change on productivity. This study concludes that good conflict management, stress management, and effective change management can help increase employee productivity in the work environment. The conclusion of this study provides a foundation for actions and policies that support increased employee productivity in the work environment.
PENGARUH KENYAMANAN DAN KOMPATIBILITAS YANG DIRASAKAN PADA ADOPSI BELANJA ONLINE DIANTARA GENERASI X: PENDEKATAN TAM Rafnelly Rafki; Suharno Prawirosumarto; Lusiana Lusiana; Silvia Sari; Yolanda Oktarina; Nofriadi Nofriadi
Dinamika: Jurnal Manajemen Sosial Ekonomi Vol 3 No 2 (2023): DINAMIKA : Jurnal Manajemen Sosial Ekonomi
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi - Studi Ekonomi Modern

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/dinamika.v3i2.401

Abstract

In recent years, online shopping has become more immersive and integrated in everyday life, especially due to lifestyle changes triggered by the COVID-19 pandemic. However, there are still individual doubts and differences in the adoption rate of online shopping among Generation X. Generation X, these are individuals born between 1965 and 1980, have become one of the major consumer groups in the online shopping ecosystem. Although Generation X has experience with technology and the internet, a number of factors still influence the adoption rate of online shopping among them. There has been a lot of research done on online shopping but studying the perceived Effect of Convenience and Compatibility on Online Shopping Adoption among Generation X and using the TAM Approach, there has not been much and is still needed. So the purpose of this study is to study the Effect of Convenience and Perceived Compatibility on Online Shopping Adoption among Generation X: TAM Approach. The study involved an online survey conducted on a sample consisting of members of Generation X who actively use online shopping services. Data was collected through questionnaires that included questions related to convenience factors, compatibility, as well as the adoption rate of online shopping. Multiple linear regression analysis is used to test the research hypothesis. The results of this study show that the perception of convenience has a significant positive influence on the adoption rate of online shopping among Generation X. In addition, compatibility factors have also been shown to have a positive effect on the adoption of online shopping. His contribution is that companies can develop more effective strategies to increase the adoption of online shopping among this generation.
FAKTOR YANG MEMPENGARUHI NIAT MENGGUNAKAN APLIKASI BELANJA SELULER DI KALANGAN GENERASI X: PENDEKATAN DENGAN APLIKASI UTAUT Rafki, Rafnelly; Lestari, Rinda; Nofriadi, Nofriadi; Oktarina, Yolanda; Mustika, Nova
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 3 No. 1 (2023): Maret : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v3i1.1425

Abstract

Currently, the development of digital technology has an influence on all human lives, including shopping problems, namely online shopping applications. A lot of research has been done to study it, but there hasn't been much study of the factors that influence the intention to use online apps in generation X. So the purpose of this study is to study the factors that influence the intention to use mobile shopping applications among generation x, using the UTAUT application approach The method used is the UTAUT Model (Unified Theory of Acceptance and Use of Technology), the Integrated Theory of Acceptance and Use of Technology. The UTAUT model is used to be applied to the context of mobile shopping application use among Generation X. This research is a survey research using questionnaires as a data collection instrument. The sample is the Generation X Group who use smartphones and often do online shopping transactions. What influences a person's intention in the use of technology, it turns out to be between: 1) perception of ease of use, 2). perception of usefulness, 3). subjective norms, and 4). perception of quality. What influences a person's intention in the use of technology, it turns out to be between: 1) perception of ease of use, 2). perception of usefulness, 3). security, and 4). l. It can be concluded that the most significant factors in influencing the intention to use mobile shopping apps among Generation X are in terms of ease of use. This can be the basis for designing more effective marketing and promotion strategies for mobile shopping application service providers, and can help increase user satisfaction and strengthen consumer loyalty.
The Effect of Competence, Organizational Culture and Work Ethic on Work Productivity Nofriadi, Nofriadi; Rafki, Rafnelly; Oktarina, Yolanda
Dinasti International Journal of Digital Business Management Vol. 5 No. 2 (2024): Dinasti International Journal of Digital Business Management (February - March
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/dijdbm.v5i2.2329

Abstract

Increased work productivity has significant implications for organizations, including revenue growth, greater profits, improved reputation, and the ability to attract and retain top talent.  Therefore, companies are constantly striving to understand the factors that affect the work productivity of employees. The relationship between competence, organizational culture, work ethic, and work productivity is still an area of ever-evolving research. Therefore, this study aims to investigate and further understand how these variables interact and impact each other in an organizational context. The research method used is a quantitative survey study with the use of questionnaires as a data collection instrument. The research sample consisted of employees in various divisions of the company. The data were analyzed using multiple linear regression analysis. The results showed that competence, organizational culture, and work ethic have a positive and significant influence on work productivity. These findings support the alternative hypotheses proposed in the study. The implication of the results of this study is that organizations can increase work productivity by paying attention to employee competency development, strengthening organizational culture that supports performance, and encouraging a positive work ethic. This research makes an important contribution in understanding the factors that affect work productivity and provides a foundation for recommendations for improvement in the context of human resource management and organizational culture.
Analysis of Ease of Use, Quality of Service and Promotion on Interest in Buying Using E-Wallet Fitria, Lailani; Khotimah, Khusnul; Yani, Ahmad; Rafki, Rafnelly; Oktarina, Yolanda; Nofriadi, Nofriadi
Dinasti International Journal of Digital Business Management Vol. 5 No. 2 (2024): Dinasti International Journal of Digital Business Management (February - March
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/dijdbm.v5i2.2330

Abstract

This study aims to determine how much influence the variables of ease of use, service quality, and promotions have on consumer buying interest in making transactions using e-wallets. The method used is library research and qualitative description by examining various sources related to the research object. The results showed that as many as 876 respondents who used Shopeepay, OVO and Linkaja agreed in terms of ease of use, while 100 other respondents said that even if it is easy, it is not necessarily used. Furthermore, Gopay and Dana, with a total of 190 respondents, stated that there was a significant influence on the service quality variable. Followed by the promotion variable represented by all e-wallet users, with a total of 48 respondents saying that the majority of millennial users have no significant influence on purchase intention, but on the other hand, it has an influence on Gen Z. It can be concluded that the presence of an e-wallet has been widely used by the public in making transactions with various conveniences, quality and promotions provided, but in terms of usage, there are still many who have not explored the e-wallet, so it is hoped that this can be expanded further.
Investigating the Influence of Perceived Behavioral Control and Personal Innovativeness on the Adoption of Online Fashion Shopping among Generation X: A TAM Approach”: Rafki, Rafnelly; Ramadhani, Annisa Suci; Ali, Hapzi; Ratnasari, Sri Langgeng
Dinasti International Journal of Digital Business Management Vol. 5 No. 4 (2024): Dinasti International Journal of Digital Business Management (June - July 2024)
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijdbm.v5i4.2949

Abstract

Online shopping has experienced rapid growth in the digital age, and understanding the factors influencing the adoption of online shopping by Generation X is becoming important for businesses such as e-commerce, marketers, and researchers. The purpose of the study was to understand the interaction between Perceived Behavioral Control and Personal Innovativeness in influencing the intention of online fashion shopping adoption in Generation X. This research is quantitative and qualitative, using the TAM approach. A sample of 50 Generation X men and women born between 1965 and the 1980s were users of online fashion shopping applications. Varibel X, there are 2 namely Perceived Behavioral Control and Personal Innovativeness. Variable Y, is the Intention to Use Online Fashion Shopping Apps. Data analysis uses simple correlation tests, and descriptive statistics such as mean, median, and standard deviation. Analyzed using SPSS statistical software. Data analysis includes validity and reliability tests. Instrument, descriptive analysis, and linear regression test to test the effect of the independent variable on the dependent variable. Personal Innovativeness positively influences the Intention to Use Online Fashion Shopping. It was found that Perceived Ease of Use had a significant influence on Intention to Use Online Fashion Shopping. Perceived Usefulness also positively affects the Intention to Use Online Fashion Shopping. Research shows that the factors of the TAM approach, namely Perceived Ease of Use, Perceived Usefulness, Perceived Behavioral Control, and Personal Innovativeness, have an important role in influencing Generation X's intention to adopt Online Fashion Shopping. The research can also provide valuable insights for e-commerce companies and fashion industry players in developing and improving online shopping applications that are more attractive and easy to use for Generation X.
Palm Oil Exports Increased Due To Rupiah Depreciation, International Price Factors And Government Regulations Reni Rafki; Rafnelly Rafki; Yolanda Oktarina; Nofriadi Nofriadi; Yulasmi
ARRUS Journal of Social Sciences and Humanities Vol. 3 No. 6 (2023)
Publisher : PT ARRUS Intelektual Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/soshum2352

Abstract

Palm oil is a very important export commodity for Indonesia, contributing significantly to the country's economy in terms of both production and export. Fluctuations in the rupiah exchange rate against foreign currencies, especially the US dollar, have been widely studied, which turned out to affect the export of various commodities, including palm oil. However, the linkages to international prices and government regulation have not been studied much. This study aims to examine how much influence international prices, rupiah depreciation, and Indonesian government regulations have on increasing palm oil exports to India. Data collection method through surveys and circulating questionnaires, with a sample of 100 respondents. The analysis method used is multiple linear regression analysis using SPSS. The results of the study obtained based on the partial test (t test) obtained a positive and significant influence between international prices on increasing exports. There is a positive and significant influence between rupiah depreciation and increased exports. There is a positive and significant influence of Indonesian government regulations on increasing exports. The contribution of the percentage contribution of the independent variable of international prices, rupiah depreciation, and Indonesian government regulations to the dependent variable of increasing exports is 0.811 or 81.1%. While the remaining 0.189 or 18.9% was influenced by other variables outside this study.