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Perspektif : Jurnal Ekonomi dan Manajemen Universitas Bina Sarana Informatika
Published by Universitas Bina Sarana Informatika
ISSN : 14118637     EISSN : 25501178     DOI : -
Core Subject : Science, Social,
Computer Science & IT Decision Sciences, Operations Research & Management Environmental Science Social Sciences
Jurnal Perspektif pertama kali diterbitkan pada tahun 2013. Jurnal ini dimaksudkan sebagai media kajian ilmiah hasil penelitian, pemikiran dan kajian analisis kritis mengenai penelitian di Bidang Ilmu Sistem Informasi, Manajemen dan Ekonomi. Jurnal Perspektif menerbitkan 2 (dua) jurnal dalam setiap tahunnya, yaitu terbit di bulan Maret dan September. Jurnal Perspektif sebagai bagian dari semangat menyebarluaskan ilmu pengetahuan hasil dari penelitian dan pemikiran untuk pengabdian pada masyarakat luas. Situs Jurnal Perspektif menyediakan artikel-artikel jurnal untuk diunduh secara gratis. Jurnal kami adalah jurnal ilmiah nasional yang merupakan sumber referensi akademisi di bidang Ilmu Komputer dan Manajemen.
Arjuna Subject : -
Articles 307 Documents
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PERAN FINANCIAL TECHNOLOGY SISTIM PEER TO PEER LENDING ( P2P) SEBAGAI SALAH SATU BENTUK ALTERNATIF SUMBER PENDANAAN UMKM murifal, Badar
Perspektif : Jurnal Ekonomi dan Manajemen Akademi Bina Sarana Informatika Vol 16, No 2 (2018): September 2018
Publisher : www.bsi.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (304.484 KB) | DOI: 10.31294/jp.v16i2.3808

Abstract

Fintech is a portmanteau of financial technology that describes an emerging financial services sector in the 21st century. Originally, the term applied to technology applied to the back-end of established consumer and trade financial institutions. Since the end of the first decade of the 21st century, the term has expanded to include any technological innovation in the financial sector, including innovations in financial literacy and education, retail banking, investment and even crypto-currencies like bitcoin. The term financial technology can apply to any innovation in how people transact business, from the invention of digital money to double-entry bookkeeping. Since the internet revolution and the mobile internet revolution, however, financial technology has grown explosively, and fintech, which originally referred to computer technology applied to the back office of banks or trading firms, now describes a broad variety of technological interventions into personal and commercial finance. As one of a variety of business type in Indonesia , UMKM ( Usaha Mikro, Kecil dan Menengah) as an Indonesian Micro Small and Medium Enterprises (MSMEs) can take involve to overcome their weakness of capital and financing . They can growth well  without any obstacles how to find the loan not only from the banks but also it comes also from the other party such like financial technology concept as an alternatives for financing with easily procedures, no collateral  and not taking time. At the last, three parties who involved in financial technology such as Investor ,  financial technologi provider and small business enterprises or Usaha Mikro, Kecil dan Menengah can make some advantageuos for their business growing.
SISTEM INFORMASI PENJUALAN BAJU BERBASIS WEB PADA PROJECT DISTRO DEPOK Wasiyanti, Sri; Barkah, Dede
Perspektif : Jurnal Ekonomi dan Manajemen Akademi Bina Sarana Informatika Vol 16, No 2 (2018): September 2018
Publisher : www.bsi.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1041.899 KB) | DOI: 10.31294/jp.v16i2.3630

Abstract

Dalam era globalisasi ini persaingan bisnis semakin kuat berbagai cara dilakukan untuk mengembangkan bisnisnya masing-masing untuk lebih maju dan berkembang dan terjadi sebuah persaingan walaupun baru ditempat bisnis itu berjalan. Project Distro adalah distro yang menjual berbagai macam merk baju. Untuk menawarkan produknya dilakukan dengan berbagai cara seperti membuat selebaran, dari mulut kemulut, dan katalog. Cara yang dilakukan kurang efektif atau tidak efisien, karena konsumen sekarang lebih memilih yang instant atau menginginkan sesuatu yang cepat. Metode yang digunakan adalah metode waterfall. Metode waterfall yaitu Model air terjun yang menyediakan pendekatan alur hidup perangkat lunak secara sekuensial atau terurut dimulai dari analisis, desain, pengkodean, pengujian dan pendukung. Sebagai solusi untuk memecahkan masalah, penggunaaan website e-commerce akan memecahkan dalam pengembangan usahanya melakukan pertukaran informasi dan menjaga hubungan dengan konsumen, serta aktif sebagai media promosi secara luas. Kata Kunci: Sistem Informasi Penjualan, Berbasis Web
Menentukan Nilai Penggantian Wajar Lahan Terdampak Pekerjaan Reaktifasi Jalur Kereta Api Trase Muaro Logas, Kabupaten Sijunjung, Provinsi Sumatera Barat Asymar, Hasta Herlan
Perspektif : Jurnal Ekonomi dan Manajemen Akademi Bina Sarana Informatika Vol 17, No 1 (2019): MARET 2019
Publisher : www.bsi.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (698.318 KB) | DOI: 10.31294/jp.v17i1.5133

Abstract

Abstract  – The calculation of the value of the Reasonable Land Turnover Terdamapak Job Reaktifasi railway line for arbitration was Muaro Logas was part of the study of the action of liberation/land and buildings for the reform plan of the reaktifasi railway line between Muaro-Logas is part of the planning of the reactivation railway line. This study analyzes regulations and policies, perceived an inventory and survey/census by identifying the affected community land procurement, with regard to the characteristics and the types of harm experienced, agreement agreement between the local government, the province and the Center in funding the acquisition of land; analyze optimum land procurement and analyse livelihood for the population affected by socio-economic factors, analyzing the parameters with the social, cultural, and economic related to population, the impact of the procurement of land and influence implementation of the work against the poor, residents of the tribal minorities, alienated, and other vulnerable groups, including women, as well as the institutional framework in planning the liberation of land and the settlements back including duties and responsibilities each institution. In the calculation of the Reasonable Replacement Value using Standar Penilaian Indonesia306 (SPI 306) about the assessment of the provision of Land for development for the benefit of the public
PENENTUAN PORTOFOLIO SAHAM YANG EFISIEN PADA LIMA PERUSAHAAN MINYAK DAN GAS BUMI (MIGAS) Marwansyah, Sofyan
Perspektif : Jurnal Ekonomi dan Manajemen Akademi Bina Sarana Informatika Vol 8, No 2 (2010): September 2010
Publisher : www.bsi.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (230.406 KB) | DOI: 10.31294/jp.v8i2.5419

Abstract

Portfolio is a combination of assets owned by an investor both real assets and financial assets. In relation to stocks, the portfolio is a collection of stock from various companies owned by an individual investor. Portfolio consisting of various other types of stocks is not diversification is the result of investment made by investors. The advantage of a stock portfolio is a weighted average of the profits of each share is included therein. Investments made by investors during this only in non-oil sector, while most of the government budget is obtained from oil and gas sector. Currently the world's oil and gas business of special concern to both government and for investors. Investors and potential investors in determining the preferred shares are usually more accurate because it is important to know that investing in the stock market is not always beneficial and have a risk of failure experienced by the company's stock value. The purpose of forming portfolios is that can be verified by determining the selected stock with some proportion of the funds will be invested in each stock in order to achieve optimal results. The purpose of this paper is to determine an efficient portfolio of stocks at 5 (Five) Oil and Gas company. Securities analysis used in this paper is fundamental analysis. The data used are annual data on stock price growth and dividends paid from five oil and gas company registered as a company with the working system of PSC (Production Sharing Contract) at BPMIGAS years 2002-2006. Results showed that of five oil and gas company stock over five years, a portfolio combination of optimal portfolio is the portfolio 18, the portfolio with a gain of 0.62954 and 0.52181 at risk, ie a combination of 50% Total and 50% Premier Oil.
Pengaruh Pendapatan Berbasis Biaya Pada Return of Asset (ROA) pada Bank-bank di Indonesia Fadholi, Arief
Perspektif : Jurnal Ekonomi dan Manajemen Akademi Bina Sarana Informatika Vol 17, No 1 (2019): MARET 2019
Publisher : www.bsi.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (462.693 KB) | DOI: 10.31294/jp.v17i1.5246

Abstract

Abstract - The objective of this research is to examine the effect of fee based income on return on assets of listed banks in Indonesia stock exchange during 2006-2010.  Three types of  fee based income are investigated, namely income from provisions and commissions, income from  foreign exchange transaction services, and income from other bank services.  In addition, total asset is also included in the model as one of the independent variable. A sample of  24 banks is used in this study.  A multiple regression based on the ordinary least squared (OLS). The result shows that the three types of fee based income have a positive and significant effect on return on assets.  However, total assets do not have a significant effect.  Overall, the result suggests that banks should promote their fee based income activities in order to increase their profitability.
Rancang Bangun Sistem Informasi Pelayanan Jasa Home Service Dengan Model Waterfall Pada CV. Gian Motor Autoservice Eko, Giyan; Yunita, Yunita; Amalia, Hilda
Perspektif : Jurnal Ekonomi dan Manajemen Akademi Bina Sarana Informatika Vol 17, No 1 (2019): MARET 2019
Publisher : www.bsi.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (406.7 KB) | DOI: 10.31294/jp.v17i1.5195

Abstract

Abstract – Transportation is needed by humans as the times develop and there is an increase in mobility of activities. The development of motorized vehicles every year is increasing and diverse. Of course, the increasing number of vehicles, the more people who need service or repair services they have. In the current era, it requires the use of technology. The technology that is widely used is web-based technology, the web is used by thousands of people as a good promotional media. In designing information systems a model that can be used is needed, the selection of the right model is an important factor in the success of building a system. The Waterfall Model is a simple model and is suitable for developing software with specifications that do not change. So with the waterfall methode is able to complete the design of service information system home service. Keyword: information system, home service, waterfall
Hubungan Antara Motivasi Kerja terhadap Produktivitas Kerja Karyawan Pada BPJS Ketenagakerjaan Kota Depok Lestari, Nurlaela Eva puji
Perspektif : Jurnal Ekonomi dan Manajemen Akademi Bina Sarana Informatika Vol 17, No 1 (2019): MARET 2019
Publisher : www.bsi.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (178.78 KB) | DOI: 10.31294/jp.v17i1.5232

Abstract

Sumber daya manusia dalam suatu perusahaan merupakan faktor utama agar perusahaan dapat tetap unggul. Mengelola karyawan tidak hanya dengan memberikan deskripsi pekerjaan yang diberikan kepada mereka, tetapi perlu adanya hubungan yang positif antara perusahaan dengan karyawan untuk mencapai tujuan bersama. Motivasi merupakan salah satu cara agar karyawan dapat produktif dan berenergi dalam menyelesaikan pekerjaan. Pada dasarnya pemberian motivasi adalah hak para karyawan dan merupakan kewajiban bagi pihak perusahaan untuk mendukung karyawan agar para karyawan dapat lebih meningkatkan volume dan mutu pekerjaan yang menjadi tanggung jawab. Produktivitas merupakan hal yang penting bagi suatu organisasi perusahaan baik itu yang bergerak di bidang produksi barang maupun jasa. Secara umum produktivitas adalah perbandingan antara output (hasil) dengan input (masukan). Sampel yang digunakan untuk pengumpulan data dalam penelitina ini berjumlah 34 karyawan pada BPJS Ketenagakerjaan Kota Depok. Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisis hubungan antara Motivasi Kerja (X) Terhadap Produktivitas Kerja Karyawan (Y) pada BPJS Ketenagakerjaan Kota Depok”. Berdasarkan analisis dan pengolahan data berdasarkan perhitungan koefisien korelasi dapat diketahui bahwa motivasi kerja memiliki hubungan yang kuat yaitu sebesar 0.795 dan menurut hasil perhitungan koefisien determinasi dapat diketahui cukup besar yaitu 63.2 %, jadi hubungan antara motivasi kerja (X) dan Produktivitas Kerja karyawan (Y) dapat disimpulkan memiliki hubungan yang kuat.
KAUSALITAS INSPEKSI KESELAMATANDAN KESEHATAN KERJA DENGAN TINGKAT KECELAKAAN KERJA Marwansyah, Sofyan
Perspektif : Jurnal Ekonomi dan Manajemen Akademi Bina Sarana Informatika Vol 10, No 2 (2012): September 2012
Publisher : www.bsi.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (156.202 KB) | DOI: 10.31294/jp.v10i2.5420

Abstract

Technological developments have raised the standard of living humans. However, technological advances also bring the sources of job stress and a new injury. A completev modern technology, changes informs of employment, work organization, and production systems place high demands on a working power.As a result, the level rmdform of the potential hazards in the workpla9e that should be in the face of workers will also change. To overcome this required the implementation of performance improvement in a company K3. This thesis research conducted at the cement plant at PT Indocement Tunggal Prakarsa Tbk that in every work area contains potential hazards that threaten the welfare of workers. In building peiformance implementation of K3, PT Indocement. Has sought to reduce or eliminate the potential hazard in the factory area with implementing this program is one of the K3 inspections (safety monitoring}. Implementation of inspection programs K3 also influence the level of workplace accidents, because in principle every incident can be prevented. Therefore, it is determined by the quantity and quality of inspections so that potential hazards can be known earlier that the results could reduce workplace accidents that might happen.
Analisa Efektivitas Komunikasi Pemasaran Produk Aqua Menggunakan Customer Response Index Melalui Kegiatan Promosi Akmaludin, Akmaludin
Perspektif : Jurnal Ekonomi dan Manajemen Akademi Bina Sarana Informatika Vol 10, No 1 (2012): MARET 2012
Publisher : www.bsi.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (4039.78 KB) | DOI: 10.31294/jp.v10i1.5416

Abstract

Promotion is crystallization of a form of marketing communication, modern marketing communication should be able to communicate the brand or Its products to consumers in an integrated way, so consumers will know more about the benefits of the product. To find products that are marketed to consumers, certainly needs to be measured in evaluating how much the strength of the product is received by consumers. Many methods are used in determine level of effectiveness of communication conducted as Customer Decision Model (CDM), EPIC Model, Direct Rating Method (DRM), and Customer Response Index (CRI).Custormer Response Index (CRI) is one that often used in the measurement of the effectiveness of marketing communications products. Variables used to measure the effectiveness of marketing communication consists of five variables including Awareness, Comphrehend, Interest, Intention, and Action. In connection with the acquisition value is performed with CRI can be seen from the results of recent advertising campaigns through the media. If the CRI points earned exceeds 50% or more, then said to the effectiveness of marketing communications well worth it. For the research results through media advertisements broadcast television advertising products aqua value of marketing communications effectiveness gets 59% of acquisition value, this means that the measurement of the effectiveness of marketing communications products using the method Custormer Response Index (CRI) produces assessments that can be said to be good. With reference to the acquisition of data, can be seen how much the consumer is not how much consumer response and the response, it was said as a response index.
PENGARUH GAYA HIDUP, DEMOGRAFI DAN KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN Suhardi, Suhardi
Perspektif : Jurnal Ekonomi dan Manajemen Akademi Bina Sarana Informatika Vol 17, No 1 (2019): MARET 2019
Publisher : www.bsi.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (448.951 KB) | DOI: 10.31294/jp.v17i1.5462

Abstract

ABSTRACT - Lifestyle change in the demographic structure of society, especially in city of Karawang area who believe that shopping at modern retail outlets add to the prestigue of its own in the social life makes competition in the provision of retail entrepreneurs staples and daily necessities has increased mainly about improved quality of goods and services led to the the level of consumer purchasing decisions.The Purpose of Research are analizing the Effect of life style, demography and product quality toward customer buying desicion partially and simultaneously.This Research is done at alfamart outlet Mitra Usaha CV. Family which located at Jl. Ir. H. Juanda Cikampek Karawang. This Research used 80 respondents determined by purposive sampling technic due to the unlimited population.This reseach uses multiple regression analysis by using three independent variables and one dependent variable.The result of research shows that life style,demography dan product quality proved positive and significant effect to customer buying desicion partially and simultaneously.Therefore, life style, demography and product quality are important factors to increase buying desecion.

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