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Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis
Published by Arka Institute
ISSN : 28305175     EISSN : 28306058     DOI : https://doi.org/10.55904/co-creation
Core Subject : Economy,
Economics, Econometrics & Finance
This journal covers various topics of economic and business activities, but is not limited to development topics and aspects of accounting and investment, including (but not limited to) the following topics: Economics, Monetary, Finance and Banking, Public Economics, Development Economics, Regional Economics, International Economics, Financial Accounting, Management Accounting, Public Sector Accounting, Sharia Accounting, Accounting Information Technology, Auditing, Capital Markets, Corporate Governance, Financial Management, Taxation , Management, Financial Management, Human Resource Management, Entrepreneurship, Taxation and Public Sector Accounting International Business, Accounting Information Systems, Financial Accounting Accounting, Management Behavior Accounting, Cooperatives and SMEs, Cooperatives and SMEs Accounting
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 12 Documents
 1   2 
Search results for , issue "Vol. 2 No. 4 (2024): Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis" : 12 Documents clear
Analisis pembiayaan mikro UMKM dengan akad musyarakah mutanaqisah pada Bank Syariah Indonesia KCP Trunojoyo Bangkalan Syaifullah, Muhammad Ilham
Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis Vol. 2 No. 4 (2024): Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/cocreation.v2i4.929

Abstract

This study was conducted with the aim of analyzing micro financing of MSMEs with the Musyarakah Mutanaqisah contract at Bank Syariah Indonesia, Trunojoyo Branch Office, Bangkalan. The research method used in this study is a qualitative descriptive method. Data collection techniques were carried out by observation and interviews. Based on the results of the study, it shows that in micro financing of MSMEs with the Musyarakah Mutanaqisah contract at Bank Syariah Indonesia, Trunojoyo Branch Office, Bangkalan through an agreement between the customer and the bank with an agreement on the assets or goods needed by the customer first, then the bank will conduct a field survey to the customer which will then be disbursed according to the approval of the head of the bank. It can be concluded that micro financing of MSMEs using the Musyarakah Mutanaqisah contract is a financing process for small and medium micro businesses through a financing agreement with a capital cooperation scheme for the purchase of goods or property in asset ownership with applicable sharia provisions.
Manajemen digitalisasi layanan marketing terhadap performa pemasaran agensi PT.Equity Life Indonesia Ma'na, Petrus; Losak, Lusty Agsar; Rantererung, Corvis L; Tandi, Asrin
Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis Vol. 2 No. 4 (2024): Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/cocreation.v2i4.1128

Abstract

This study aims to understand the implementation of digital services by customers and agents, and to evaluate the effect of digital marketing usage on service quality at PT. Equity Life Indonesia Makassar branch. A qualitative approach with case study and descriptive research types was used through interviews with eight informants, including the support team, agents, and customers. Data collection was carried out through observation, interviews, and documentation, while data analysis used qualitative descriptive methods. The results of the study show that PT. Equity Life Indonesia has provided digital services such as websites, My Elife, Online Chat WhatsApp, CMS applications for agents, and social media with features that can be used directly by agents and customers. Although many have used digital services, some agents and customers still prefer to get information directly from agents, support teams, and customer service. Agents use social media to prospect and recruit new agents, attract public attention by uploading superior products, proof of claim payments, rewards, agent contests, and other activities that help the company's branding. So, it can be concluded that PT. Equity Life Indonesia has provided comprehensive digital services, which can be accessed and used by agents and customers.
Strategi peningkatan kinerja karyawan Bank Negara Indonesia Kantor Cabang Pembantu Makale Palamba, Wenef Natalia; Ma'na, Petrus; Pasae, Yoel; Tandi, Asrin
Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis Vol. 2 No. 4 (2024): Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/cocreation.v2i4.1129

Abstract

This study aims to analyze employee performance improvement strategies at Bank Negara Indonesia Makale Branch Office. Data were obtained from primary and secondary data through observation, interviews, and documentation. The research method used was qualitative using SWOT analysis. The results showed that the strength of employee performance lies in fulfilling the workload according to SOP and job description, a harmonious work environment, and adequate work facilities. However, there are several weaknesses such as delays in repairing work equipment, lack of human resources in customer service positions, and employees who are not domiciled in Makale. Opportunities in improving performance include employee motivation and career development, while threats include employees who are not domiciled in Makale and a lack of security personnel. Obstacles faced by employees include damaged work equipment, lack of human resources, and limited security personnel. Factors that support employee performance include fulfilling the workload, a harmonious work atmosphere, adequate work facilities, and employee motivation. It can be concluded that performance strengths must be maximized and must take advantage of opportunities so that performance continues to improve.
Determinan tingkat keberlanjutan partisipasi pada program kampung KB di Desa Cau Belayu, provinsi Bali Asriningsih, Ni Luh Putu Withari; Marhaeni, A.A Istri Ngurah
Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis Vol. 2 No. 4 (2024): Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/cocreation.v2i4.1136

Abstract

The purpose of this study was to analyze simultaneous and partial effects of education, income, number of children, implementation Catur Guru teachings, and understanding of the Balinese Krama KB concept on the Level Sustainability KB Participation in the KB Village Program in Cau Belayu Village. Also, to analyze the role of understanding the Balinese Krama KB concept in moderating the implementation of Catur Guru teachings on the level of sustainability of KB participation in the KB Village Program in Cau Belayu Village. This study used a quantitative method with sample of 81 people. Data analysis was using logistic regression and moderation analysis. The results showed education, income, number of children, implementation Catur Guru teachings, and understanding of the Balinese Krama KB concept simultaneously had a significant effect on the sustainability of KB participation. Partially, education, number of children, and implementation Catur Guru teachings had positive and significant effect, while income and understanding the Balinese Krama KB concept had negative effect. It can be concluded that the five variables are able to explain the factors that influence KB participants in determining the decision to continue using contraception or not, the rest explained or influenced by variables not included in the study.
Determinan curahan jam kerja sektor publik perempuan pedagang bunga di pasar bunga Taman Sari Dewi, Ni Putu Nia Kharisma; Marhaeni, Anak Agung Istri Ngurah
Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis Vol. 2 No. 4 (2024): Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/cocreation.v2i4.1143

Abstract

The purpose of this study is to analyze the simultaneous and partial influence of the number of consumers, women's contribution to family income, socio-economic conditions, the concept of work in Hinduism, and the intensity of traditional activities on the outpouring of working hours of female flower traders at Taman Sari Flower Market. Also, to analyze the role of the intensity of traditional activities in moderating the influence of the concept of work in Hinduism on the outpouring of working hours of female flower traders at Taman Sari Flower Market. The number of samples was 77 female flower traders. The design of this study used a quantitative approach in the form of associative. Data were collected using observation and interview methods, data analysis was carried out using moderated regression analysis. The results showed that all factors, including the number of consumers, women's contribution to household income, socio-economic conditions, the concept of work in Hinduism, and the intensity of traditional activities, had a positive and significant impact on the working hours of female flower traders. It can be concluded that the higher the factors that affect the outpouring of working hours, the working hours will increase, and vice versa.
Behavioral finance dalam pengambilan keputusan keuangan pada umkm di Provinsi Bali Laksmana, Komang Agus Rudi Indra
Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis Vol. 2 No. 4 (2024): Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/cocreation.v2i4.1147

Abstract

This study examines the role of behavioral finance of MSMEs in Bali province in making financial decisions, both financing decisions, investment and profit distribution policies. This study uses a quantitative research design, which is based on the positivist paradigm. This study was conducted first using in-depth interviews since conducting the initial survey and distributing questionnaires to respondents and then calculating three financial ratios to assess the quality of financial decisions. Furthermore, a quantitative analysis was carried out based on multivariate analysis using a structural equation model or SEM (structural equation modeling) based on Partial Least Square (PLS). The respondents selected in the study came from real sector MSMEs that received financing from the banking sector as many as 212 MSMEs. The results of the study showed that behavioral finance had a negative and significant effect on the company's financial decisions, which were stated as negative and significant. It can be concluded that the increase in Behavioral Finance as measured by Overconfidence, Representativeness, Herding, Anchoring, Cognitive Dissonance, Regret Aversion, Gambler's Fallace, Mental Accounting, Hindsight can reduce the quality of financial decisions as measured by the debt to asset ratio, capital structure ratio and retention ratio.
Analisis pembiayaan mikro UMKM dengan akad musyarakah mutanaqisah pada Bank Syariah Indonesia KCP Trunojoyo Bangkalan Syaifullah, Muhammad Ilham
Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis Vol. 2 No. 4 (2024): Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/cocreation.v2i4.929

Abstract

This study was conducted with the aim of analyzing micro financing of MSMEs with the Musyarakah Mutanaqisah contract at Bank Syariah Indonesia, Trunojoyo Branch Office, Bangkalan. The research method used in this study is a qualitative descriptive method. Data collection techniques were carried out by observation and interviews. Based on the results of the study, it shows that in micro financing of MSMEs with the Musyarakah Mutanaqisah contract at Bank Syariah Indonesia, Trunojoyo Branch Office, Bangkalan through an agreement between the customer and the bank with an agreement on the assets or goods needed by the customer first, then the bank will conduct a field survey to the customer which will then be disbursed according to the approval of the head of the bank. It can be concluded that micro financing of MSMEs using the Musyarakah Mutanaqisah contract is a financing process for small and medium micro businesses through a financing agreement with a capital cooperation scheme for the purchase of goods or property in asset ownership with applicable sharia provisions.
Manajemen digitalisasi layanan marketing terhadap performa pemasaran agensi PT.Equity Life Indonesia Ma'na, Petrus; Losak, Lusty Agsar; Rantererung, Corvis L; Tandi, Asrin
Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis Vol. 2 No. 4 (2024): Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/cocreation.v2i4.1128

Abstract

This study aims to understand the implementation of digital services by customers and agents, and to evaluate the effect of digital marketing usage on service quality at PT. Equity Life Indonesia Makassar branch. A qualitative approach with case study and descriptive research types was used through interviews with eight informants, including the support team, agents, and customers. Data collection was carried out through observation, interviews, and documentation, while data analysis used qualitative descriptive methods. The results of the study show that PT. Equity Life Indonesia has provided digital services such as websites, My Elife, Online Chat WhatsApp, CMS applications for agents, and social media with features that can be used directly by agents and customers. Although many have used digital services, some agents and customers still prefer to get information directly from agents, support teams, and customer service. Agents use social media to prospect and recruit new agents, attract public attention by uploading superior products, proof of claim payments, rewards, agent contests, and other activities that help the company's branding. So, it can be concluded that PT. Equity Life Indonesia has provided comprehensive digital services, which can be accessed and used by agents and customers.
Strategi peningkatan kinerja karyawan Bank Negara Indonesia Kantor Cabang Pembantu Makale Palamba, Wenef Natalia; Ma'na, Petrus; Pasae, Yoel; Tandi, Asrin
Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis Vol. 2 No. 4 (2024): Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/cocreation.v2i4.1129

Abstract

This study aims to analyze employee performance improvement strategies at Bank Negara Indonesia Makale Branch Office. Data were obtained from primary and secondary data through observation, interviews, and documentation. The research method used was qualitative using SWOT analysis. The results showed that the strength of employee performance lies in fulfilling the workload according to SOP and job description, a harmonious work environment, and adequate work facilities. However, there are several weaknesses such as delays in repairing work equipment, lack of human resources in customer service positions, and employees who are not domiciled in Makale. Opportunities in improving performance include employee motivation and career development, while threats include employees who are not domiciled in Makale and a lack of security personnel. Obstacles faced by employees include damaged work equipment, lack of human resources, and limited security personnel. Factors that support employee performance include fulfilling the workload, a harmonious work atmosphere, adequate work facilities, and employee motivation. It can be concluded that performance strengths must be maximized and must take advantage of opportunities so that performance continues to improve.
Determinan tingkat keberlanjutan partisipasi pada program kampung KB di Desa Cau Belayu, provinsi Bali Asriningsih, Ni Luh Putu Withari; Marhaeni, A.A Istri Ngurah
Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis Vol. 2 No. 4 (2024): Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/cocreation.v2i4.1136

Abstract

The purpose of this study was to analyze simultaneous and partial effects of education, income, number of children, implementation Catur Guru teachings, and understanding of the Balinese Krama KB concept on the Level Sustainability KB Participation in the KB Village Program in Cau Belayu Village. Also, to analyze the role of understanding the Balinese Krama KB concept in moderating the implementation of Catur Guru teachings on the level of sustainability of KB participation in the KB Village Program in Cau Belayu Village. This study used a quantitative method with sample of 81 people. Data analysis was using logistic regression and moderation analysis. The results showed education, income, number of children, implementation Catur Guru teachings, and understanding of the Balinese Krama KB concept simultaneously had a significant effect on the sustainability of KB participation. Partially, education, number of children, and implementation Catur Guru teachings had positive and significant effect, while income and understanding the Balinese Krama KB concept had negative effect. It can be concluded that the five variables are able to explain the factors that influence KB participants in determining the decision to continue using contraception or not, the rest explained or influenced by variables not included in the study.

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