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Karona Cahya Susena
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karonacahya@gmail.com
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+6281541234500
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emakjurnal@gmail.com
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JL. KEBUN VETERAN NO. 12, NUSA INDAH, RATU AGUNG, KOTA BENGKULU 38224
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Kab. bantul,
Daerah istimewa yogyakarta
INDONESIA
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Published by Indonesian Journal Publisher
ISSN : 27980499     EISSN : 27980502     DOI : -
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Journal of Economics, Management, Accounting and Finance is an online journal with full reference (double-blind peer review) and open access for academics, researchers, postgraduate students, early career researchers and university students, published by ADM Publisher Bengkulu, Indonesia.Jurnal Emak is a periodical publication (four times a year) in January, April, July and October. The main objective is to disseminate scientific articles in the fields of economics, management, accounting and finance. The language used in this journal is Indonesian or English. Without reducing the scientific weight, this journal accepts contributions of writings that have never been published in other print media and accepts advertisements.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 60 Documents
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Search results for , issue "Vol. 3 No. 3 (2022): Juli" : 60 Documents clear
Strategy of the North Sumatra Province One Stop Integrated Investment and Licensing Service (DPMPPTSP) in Increasing Investment in North Sumatra Icha Ferina Putri; Marliyah Marliyah
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.578

Abstract

In order to increase regional income and public welfare, the North Sumatra Provincial Government through the One Stop Integrated Investment and Licensing Service (DPMPPTSP) of North Sumatra Province seeks to increase investment and investment as a form of helping the performance of the North Sumatra Government. The purpose of this study is that the One Stop Integrated Investment and Licensing Service (DPMPPTSP) of North Sumatra Province can increase investment through an effective strategy. If the strategy is formulated correctly, then the North Sumatra Province One Stop Integrated Investment and Licensing Service (DPMPPTSP) will succeed in increasing investment and the standard of living of the people in North Sumatra. The type of research used is descriptive qualitative research which is used to examine the condition of natural objects where the researcher is the key instrument that emphasizes meaning rather than generalization (Sugiyono 2015:112). The data collection technique is done inductively (drawing conclusions based on special conditions to be treated in general). The results of the study show that there are six specific strategies applied by the DPMPPTSP of North Sumatra Province in increasing investment in North Sumatra, namely improving the quality of licensing services, compiling investment policy regulations in providing investment facilities and facilities, improving the management of public complaints, updating data on investment potential and business opportunities. North Sumatra based on the application system, improving the quality of supervision of the implementation of investment, and formulating strategies and increasing the promotion of more innovative investment.
Service Strategy and Implementation of Digital Sharia Pawnshops in Increasing the Number of Customers in Rantau Prapat Ade Rizki Meilani; Nur Mija Hasibuan; Muhammad Lathief Ilhamy Nasution
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.579

Abstract

Pledge as one of the categories of debt-receivable agreements, for the trust of the lender, the debt holder swears merchandise as collateral for obligations. The collateral remains the property of the person who pledged it, but is limited by the recipient of the votive. The special functional components of sharia second-hand shops can be completed by Islamic financial institutions, especially sharia second-hand shops, both as private and government organizations. Improvements are currently accelerating, this is evidenced by progress in various fields, especially innovation. However, not all innovations provide accommodation and positive effects for their clients if they are not handled as expected. This study plans to determine the degree of business administration system for the Digital Sharia Pawnshop application (PSD) in supporting exchanges and increasing potential in facing competition, and to determine the adequacy of online administration carried out by Rantau Prapat Syariah Pegadaian through the Digital Sharia Pawnshop Application (PSD) in expanding the number of customer. Discussion of exam results using a graphical methodology. From the results of this review, it shows that with the implementation of a sophisticated sharia second-hand shop (PSD) application, it is very easy for the general public to make transactions at sharia second-hand shops. So the Digital Sharia Pawnshop (PSD) for this situation sharpens the organization's special value in facing competition. The effectiveness of PSD is reviewed through 7 dimensions, namely efficiency, reliability, compliance, service privacy, responsiveness, compensation, and contact.
Analysis of the Implementation of Service Level Agreement (SLA) in the Process of the Realization of Sharia IB KPR Financing at PT Bank Sumut KCP Syariah HM Joni Nina Iftiani
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.580

Abstract

In the world of banking which is engaged in services, it is very necessary to have a Service Level Agreement. A service level agreement or what is known as a service level agreement is an agreement with guarantees for the services provided by the Bank to customers as a manifestation of responsibility for the services provided in the event of negligence or human error. The purpose of this study was to discuss the application of SLA (Service Level Agreement) at Bank Sumut KCP Syariah HM. Joni. This is done to determine the implementation of the Service Level Agreement (SLA) in the customer financing disbursement process. Is the implementation in accordance with the established Service Level Agreement (SLA) service standards. This study uses a qualitative descriptive method with interview techniques. From this research, it can be concluded that the implementation of the Service Level Agreement (SLA) in the customer financing disbursement process is not in accordance with the SLA standard due to several factors which cause the customer financing disbursement process to take longer.
Islamic Work Ethics and Service Quality on Banking Performance at Bank Sumut Syariah Medan Branch Rida Nursani Btr
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.582

Abstract

Performance is the lifeblood of a company that must get attention to maintain the existence and resilience of the company in competitiveness with other companies. This research aims to reveal, (1) the influence of work ethics on performance banking, (2) the influence of Islamic service quality on banking performance, and (3) the influence of work ethics and Islamic service quality at PT. Bank Sumut Syariah Medan Branch. The approach used is descriptive quantitative. The sampling technique used was purposive sampling. The number of samples is 20 employees spread over at Bank Sumut Syariah Medan Branch. The results of the study prove (1) the results of the t-test scores on work ethics on banking performance has a sig value of 0.017 <0.05 then the work ethic has an effect on the banking performance of North Sumatra Syariah Medan Branch. (2) The results of the t-test value on the quality of Islamic services to banking performance has a sig value of 0.028 > 0.05 which means that the quality of service Islam affects the banking performance of the North Sumatra Syariah Medan Branch. (3) The results of the F test sig of 0.000 < 0.005 so that based on the value of the significance of work ethic and service quality simultaneously in PT. Bank Sumut Syariah Medan Branch.
Claim Payment Administration Procedure At PT. Prudential Life Assurance Binjai Branch Sallimah Ika Putri Malau; Yusrizal Yusrizal
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.583

Abstract

Administrative procedures for payment of life insurance claims to the insured at PT. Prudential Life Assurance Binjai Branch. Every decision made by humans is full of risks. The problem studied is how the administrative procedures for payment of life insurance claims and what obstacles are faced in the payment of life insurance claims at PT. Prudential Life Assurance Binjai Branch. The research method used is the empirical legal research method. The sources of data in this study are primary data obtained directly from field research in the form of statements or interviews from related parties in this study while secondary data comes from library research through legislation, literature, books and official documents. From the results of this study it was concluded that the implementation of life insurance claim payments is contained in standard life administration operating procedures, claims are accepted if the documents and claim forms submitted are complete and the obstacles that are often encountered in submitting life insurance claims are documents, forms and identities that do not match and taking too long to file a claim.
Analysis of the Insurance Claim Settlement Mechanism of PT. Pru Syariah Binjai Achievement Ella Sri Wahyu Ningsih; Yusrizal Yusrizal
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.584

Abstract

PT Pru Syariah Prestasi Binjai provides protection for the insured along with very long term investments that carry high risks. This is because in addition to the life insurance company as the insurer, there are risks that come from investments that are sensitive to the global crisis that cannot be ascertained when it will occur. This research is focused on the benefits and mechanisms of prudential insurance. The research method uses empirical normative, with descriptive research type. The approach to the problem in this research is a non-judicial case study approach, namely the study approach at PT Prudential Life Assurance in Binjai City by examining the implementation of life insurance agreements. The results showed that the prudential insurance claim mechanism went through the process specified in the policy and the claims section had been prepared. The Insured is required to fill out all the prescribed claim forms. If the insured has an accident/illness, prepare supporting documents (original receipts, medical records, laboratory results, police reports). Furthermore, in the event of death, the heirs submit a claim doctor's certificate/hospital and the company will validate all documents and the investment results. Then the funds are transferred to the account of the insured or the related heirs.
Ethics of Prudential Insurance Agents in Marketing Life Insurance Products Anjali Marwiyah Siregar; Yusrizal Yusrizal
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.585

Abstract

The purpose of this study is to find out how the ethics of Prudential insurance agents in marketing life insurance products at PT. Prudential Life Assurance Binjai Branch. The type of research used is descriptive using a qualitative approach. Based on the results of research and analysis that has been carried out, it can be seen that the ethics of the insurance agent Prudential Binjai branch in marketing the product there is no special training from the company about sharia insurance, but the agents are given several requirements and strengthened by the agent code of ethics from Prudential in the form of a guide book. Life insurance product marketing strategy at PT. The Prudential Life Assurance of the Binjai Branch according to Islamic economics has not been running well in accordance with the principles of Islamic Economics because there have been several violations, ranging from agency recruitment to the system that the company pays little attention to.
Implementation of the Basic Principles of Sharia Insurance at PT. Prudential Syariah Binjai Branch Siska Junianti Br Perangin-angin; Fauzi Arif Lubis
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.586

Abstract

PT. Prudential Sharia Branch Binjai is an Indonesia insurance company whose mission is to provide future welfare and health through varios product,including life and health insurance.The purpose of this study is to determine the basic principles of sharia insurance at PT. Prudential Sharia Binjai Branch.The qualitative research methodology used in this final theree includes surveys and interviews.Sharia insurance is an insurance is an insurance system based on islamic sharia in its service process and operation.Sharia comes from the provisions in the Qur’an ans as-sunnah.The emergence of sharia insurance in the Islamic world is based on the assumption that insurance states that existing insurance so far,namely convensional insurance contains many element: gharar,maisir,usury.This shariainsurance has principle that are firmly held,namely ta’awumu ‘ala al-birr wa al-taqwa (please help all of you in goodness and piety) and al-ta’min (feel of security).
Analysis of Insurance Service Product Claim Submission at PT. Prudential Syariah Binjai Branch Nelsi Agustina Siburian; Fauzi Arif Lubis
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.587

Abstract

PT. Prudential Syariah Branch Binjai is an Indonesian insurance company whose mission is to provide future welfare and health through various products, including life and health insurance. The purpose of this study was to determine how to submit a claim for life and health insurance at PT. Prudential Syariah Binjai Branch. The qualitative research methodology used in this final project includes surveys and interviews. Insurance claims are replaced or dissolved if the standards met are properly met, according to research. Notification, Document Attachment, Rejection, Claim Approval, or Claim Payment are the steps in filing a claim. The conclusion of this study is the method of insurance claims at PT. The life and health insurance products of the Prudential Syariah Binjai branch are in compliance with applicable laws and are handled properly by agents or customer service, although the procedure must be changed to make it easier and faster.
Employee Service Performance towards Priority Customer Loyalty at PT. Bank Sumut Syari'ah Medan Branch Katamso Muhammad Rizky; Sugianto Sugianto
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.588

Abstract

Service is often an assessment in the banking sector, even not only in the banking sector, in various other sectors this service is a concern and assessment for every customer or consumer who uses the product. This service is one of the factors that greatly influences the development of a company because of the effect of the service itself, namely customer or customer satisfaction. Therefore, this research was conducted using interview techniques and direct observation on employees and priority customers of Bank PT. Bank Sumut Syari'ah Medan Katamso Branch. It aims to determine the service of employees to their priority customers. The results of the study indicate that by providing good service in the form of a fast response, good communication, features and facilities that are qualified will make customers feel confident, trust and feel comfortable to continue to be a priority customer at the bank they choose.

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