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<![CDATA[The Effect of Work-Family Conflict, Work Environment, Work Stress, Job Satisfaction on High and Low Employee Performance at the Faculty of Medicine, Udayana University ]]>
<![CDATA[Purnama Dewi, I Gusti Ayu]]>;
<![CDATA[Sanica, I Gede]]>
<![CDATA[ Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER ]]>
Publisher : <![CDATA[Universitas Ibn Khladun Bogor ]]>
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DOI: 10.32832/moneter.v11i2.183
<![CDATA[In an organization, performance is very important to determine the success of the organization. Performance can be interpreted as work results that can be achieved by an employee or a group of employees in order to achieve organizational goals. Therefore, it is necessary to conduct research on the factors that influence employee performance, so that steps can be taken to improve their performance. Factors that affect employee performance are work family conflict, work environment, job stress, and job satisfaction. This study aims to analyze the factors that affect employee performance, namely work-family conflict, work environment, job stress, and job satisfaction. The method used in this study is a quantitative method. The sample used was 131 respondents. The data collection tool uses a questionnaire distributed through the Google form. The method used is the analysis of alternative structural equation models (SEM) with the PLS method using the SmartPLS 3.0 program. The results showed that there was a positive influence between work environment variables and job satisfaction on employee performance p<0.05. Meanwhile, the work family conflict and work stress variables have a negative effect on employee performance with p <0.05. Implication: the results of this study are expected to be able to contribute to organizations or companies in improving employee performance The results showed that there was a positive influence between work environment variables and job satisfaction on employee performance p<0.05. Meanwhile, the work family conflict and work stress variables have a negative effect on employee performance with p <0.05. Implication: the results of this study are expected to be able to contribute to organizations or companies in improving employee performance The results showed that there was a positive influence between work environment variables and job satisfaction on employee performance p<0.05. Meanwhile, the work family conflict and work stress variables have a negative effect on employee performance with p <0.05. Implication: the results of this study are expected to be able to contribute to organizations or companies in improving employee performance]]>
<![CDATA[Financial Performance On Banking Share Price ]]>
<![CDATA[Handayani, Asih]]>;
<![CDATA[Winingrum W.A, Sri Putri]]>
<![CDATA[ Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER ]]>
Publisher : <![CDATA[Universitas Ibn Khladun Bogor ]]>
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DOI: 10.32832/moneter.v11i2.116
<![CDATA[This study aims to identify the impact of financial performance on stock prices, especially in banking companies listed on the Indonesia Stock Exchange. Financial performance proxied by TATO, ROA and DER is tested using the classic assumption test to determine the effect on stock prices either partially or simultaneously. The research method used was descriptive quantitative and data testing was carried out using panel data regression with the equation Y = -12709.89X3 – 2100.702X3 – 4.710816X3. The test results have proven that both partially and simultaneously the independent variables have an influence but are very weak on the dependent variable.]]>
<![CDATA[The Effect of Perceptions of Technology, Risk and Handling Complaints on Customer Interest in Using Internet Banking At Bank Syari'ah Indonesia (BSI) KC Kisaran ]]>
<![CDATA[Khoiriaturrahmah, Miftah]]>;
<![CDATA[Anggraini, Tuti]]>;
<![CDATA[Jannah, Nurul]]>
<![CDATA[ Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER ]]>
Publisher : <![CDATA[Universitas Ibn Khladun Bogor ]]>
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DOI: 10.32832/moneter.v11i2.217
<![CDATA[Bank Syari'ah Indonesia (BSI) is one of the companies that also utilizes information technology through digital services. Only not all digital services have many users, such as internet banking which is less than M-banking users. This study aims to determine the effect of perceived technology, risk and complaint handling on customer interest in using Internet banking at Bank Syariah Indonesia (BSI) Kisaran Branch Office. This research is a type of descriptive quantitative research. The population in this study were BSI customers at the Kisaran Branch Office. While the sample was obtained as many as 100 customers. Data collection techniques using questionnaires and documentation. The data analysis technique uses multiple regression analysis where before conducting multiple regression tests, classical assumption testing is carried out. The results of this study are Technology Perceptions, affecting customer interest in using Internet Banking at Bank Syariah Indonesia (BSI) Branch Office in Kisaran. Risk, affects customer interest in using Internet Banking at Bank Syari'ah Indonesia (BSI) Kisaran Branch Office. Handling Complaints, affects customer interest in using Internet Banking at Bank Syari'ah Indonesia (BSI),isaran Branch Office. The suggestion of this research is that it is hoped that the BSI Kisaran Branch Office will conduct broader socialization and promotion to further introduce the presence of Internet Bangking to potential customers. Keywords: Technologi Perception, Risk, Complaint Handling, Customer Interest]]>
<![CDATA[Islamic Banks after the 2008 Crisis: Symptoms of the Second Round Crisis and Performance of Sharia Commercial Banks during the Period 2012-2017 ]]>
<![CDATA[Enayatullah, Imam Haroki]]>;
<![CDATA[Amalia, Euis]]>;
<![CDATA[Rini, Rini]]>
<![CDATA[ Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER ]]>
Publisher : <![CDATA[Universitas Ibn Khladun Bogor ]]>
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DOI: 10.32832/moneter.v11i2.297
<![CDATA[The Islamic banking system has long been believed to possess resilience in the face of crises, some even asserting its resistance to such challenges. To validate the aforementioned notion, an analysis of the efficiency performance of Sharia banking is conducted after the occurrence of what is referred to as the Second Round Crisis. This is undertaken due to the discovery that the impact of a crisis might not necessarily be felt during its onset, but rather after its passing. The research case study is Sharia Commercial Banks in Indonesia during the period 2012-2017. The research employs a parametric approach, namely the Stochastic Frontier Analysis Panel (SFA) Greene's approach (2005) to examine the data. The research found that all examined samples experienced a decrease in efficiency in the year 2014. The data also reveal an increase in Non-Performing Financing (NPF) and a decrease in Return on Assets (ROA) during the same period. These findings reveal the presence of a second-round crisis phenomenon affecting the Sharia Commercial Banks in this year. Following this period, there was a gradual improvement in both efficiency and other ratios. In conclusion, it can be inferred that Sharia banks, particularly in Indonesia, are not resistant to crises.]]>
<![CDATA[Determination of the Decision of the Jamaah Masjid to Pay Infaq Through the Qris Application (Case Study of the Ar-Rahman Masjid Hm. Yamin Field of Fight) ]]>
<![CDATA[Amelia, Anika]]>;
<![CDATA[Anggraini, Tuti]]>;
<![CDATA[Bi Rahmani, Nur Ahmadi]]>
<![CDATA[ Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER ]]>
Publisher : <![CDATA[Universitas Ibn Khladun Bogor ]]>
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DOI: 10.32832/moneter.v11i2.298
<![CDATA[Technology has made life more comfortable and efficient for people today. The use of QRIS and other innovative payment systems is influenced by technological developments in all areas, including the banking industry. One of the technological advancements that are in demand today is the use of QRIS as a non-financial payment mechanism. The use of QRIS has become one of the alternative payments in mosques in addition to being used for shopping payments. The Ar-Rahman Mosque is one of the mosques that uses QRIS to raise funds for infacts. This research is intended to study the variables that affect the decision of the Mosque of Ar-Rahman to inflate using QRIS.Ketua BKM Mosque and Jamaah Mosque Ar- Rahman became the main source of data in this research, which is carried out with qualitative descriptive methodology. Secondary data sources come from literature surveys. The percentage of Ar-Rahman Mosque jamaahs using QRIS is currently around 20%; however, as the BKM of the mosque continues to socialize, this number will probably continue to increase. Awareness of QRIS, the ease of using QRIS and the satisfaction of the QRIS users are factors that influence the decision of the Masjid Ar-Rahman to inflate through QRIS.]]>
<![CDATA[Analysis of Underwriting Procedures in Minimizing the Occurrence of Surety Bond Claims in the Perspective of Sharia Insurance ]]>
<![CDATA[Fitrah, Al Tasya]]>;
<![CDATA[Soemitra, Andri]]>;
<![CDATA[Gultom, Mitra Sami]]>
<![CDATA[ Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER ]]>
Publisher : <![CDATA[Universitas Ibn Khladun Bogor ]]>
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DOI: 10.32832/moneter.v11i2.300
<![CDATA[A surety bond is a type of liability to bear the consequences of a non-performance of the principal in a construction contract as a form of guarantee to protect the interests of the oblige or the user of the service in the project drive work. The purpose of this research is to provide information on how an Underwriter performs Underwriting Procedures in minimizing the occurrence of Claims on Surety Bonds in PT. Public Insurance Bumida 1967 Field Branch. The method used by the Miles and Huberman techniques is the collection of data from interviews and literary studies. The results of this research show that the procedure used by underwriters in minimizing the occurrence of claims based on applicable company terms by analysing using the 5C method, conducting training of assurance analysis teams and holding risk monitoring. The claim arises due to the existence of a non-performance, which then obligee formally terminate the employment relationship with the Principal, Obligee will file the claim with the Guarantor Company. In Islamic view, surveillance and risk analysis are permitted, but in this procedure the principle of help is eliminated, the investment of funds of any sector, and the occurrence of gharar, in this agreement is prohibited in the principles of Shariah. On the other hand, underwater purposes to preserve and preserve the authenticity of the treasury.]]>
<![CDATA[The Effects Of Up Selling And Gastrodiplomacy On The Consumer Purchasing Power Of Japanese Halal Food Products Case Study Food Retail Sushi Tei In North Sumatera ]]>
<![CDATA[Gusdini, Wan melia]]>;
<![CDATA[Lestari Nasution, Annio Indah]]>;
<![CDATA[Imsar, Imsar]]>
<![CDATA[ Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER ]]>
Publisher : <![CDATA[Universitas Ibn Khladun Bogor ]]>
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DOI: 10.32832/moneter.v11i2.312
<![CDATA[Understanding different cultures from other countries can be done through cuisine that can be used as a tool to promote international relations and offer someone to visit the place of such international food or buy cultural food sold. This study aims to: 1) Analyze the effect of up selling on the consumer purchasing power of Japanese halal food products at Sushi Tei food retail in North Sumatra. 2) Analyze the effect of gastrodiplomacy on the consumer purchasing power of Japanese halal food products at Sushi Tei food retail in North Sumatra. 3) Analyze the effect of up selling and gastrodiplomacy on the consumer purchasing power of Japanese halal food products at Sushi Tei food retail in North Sumatra. This study uses a quantitative descriptive research method using an associative research strategy. The sampling technique used non-probability and purposive sampling techniques with a total sample of 75 respondents. In this study, the SPSS 25 program was used for data processing. The results of the study show that up selling and gastrodiplomacy significantly affect the purchasing power of consumers of Japanese halal food products at Sushi Tei, North Sumatra.]]>
<![CDATA[ANALYSIS OF FINANCING RESTRUCTURING DURING THE COVID-19 PANDEMIC IN THE SHARIA BUSINESS UNIT (UUS) of PT. SUMUT BANK ]]>
<![CDATA[Jaya, Abdi]]>;
<![CDATA[Julianti Nasution, Yenni Samri]]>;
<![CDATA[Dalimunthe, Ahmad Amin]]>
<![CDATA[ Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER ]]>
Publisher : <![CDATA[Universitas Ibn Khladun Bogor ]]>
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DOI: 10.32832/moneter.v11i2.313
<![CDATA[Covid-19 pandemic that has hit the world has resulted decline economics and influence sector banking in a manner general including banking sharia experience decline growth , consequently banking sharia must do way to be healthy still awake and able relieve burden customers affected . Efforts made by the Sharia Business Unit of PT Bank Sumut in framework help customers so they can finish one of the obligations do Restructurisation Financing refers to OJK Regulation No. 11/POJK.03/2020 concerning National Economic Stimulus as Policy Countercyclical Impact Spread of Coronavirus Disease 2019. As for restructuring financing This specialized to business customers _ affected the Covid-19 pandemic is good in a manner direct nor No direct However Still own prospect For finish his obligations after restructured . Study This own objective For analyze application restructuring and its obstacles in settlement financing during the covid-19 virus pandemic in the Sharia Business Unit of PT. North Sumatra Bank . Method study use use approach method qualitative For analyze in a manner descriptive with use approach analysis SWOT . Objective study This There is two namely (1) Knowing How mechanism application restructuring during the Covid-19 pandemic at UUS PT Bank Sumut that is through rescheduling and reconditioning ; (2) Knowing obstacle in implementation restructuring during the Covid-19 period at UUS PT Bank Sumut that is related with weakness analysis restructuring , lack information about accepted restructuring _ customers and difficulties customers in fulfil completeness file application restructurisation]]>
<![CDATA[ANALYSIS OF SYARIAH COMPLIANCE FINANCING AT PT BANK SUMUT SHARIA BUSINESS UNIT ]]>
<![CDATA[Aditya, Rizky]]>;
<![CDATA[Soemitra, Andri]]>;
<![CDATA[Arif, Muhammad]]>
<![CDATA[ Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER ]]>
Publisher : <![CDATA[Universitas Ibn Khladun Bogor ]]>
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DOI: 10.32832/moneter.v11i2.314
<![CDATA[This study aims to examine the critical points of sharia compliance with Murabahah financing products for motorbikes to State Civil Apparatuses (ASN) in the pre offering letter program at PT Bank SUMUT Sharia Business Unit at the time of pre-contract, during the contract and after the contract. This type of research is descriptive qualitative research. The research results show that. The critical point of sharia compliance with murabaha financing products for motorbikes to the State Civil Apparatus (ASN) in the pre offering letter program at PT Bank SUMUT Sharia Business Unit when it can be emphasized that Bank Sumut Sharia Business Unit does not regulate the recording of the use of wakala contracts in the procurement of goods . When the contract is based on the principle that Bank Sumut Syariah Business Unit as the facilitator or seller must receive the goods from the supplier before the goods are sold to the buyer (customer) as inventory ready to be sold at acquisition cost. Then, after the contract is seen, the ownership status of the goods before being sold to the customer becomes a crucial point for deviations from murabahah contract practices . Therefore, improvements should be made to the practice flow of murabahah financing contracts with the main objective of securing sharia principles in terms of possession of goods, including the required documents. Bearing in mind, this is the critical point for the occurrence of slight deviations/confusion in the practice of murabahah contracts .]]>
<![CDATA[The impact of digital transformation and the use of Whatsapp chatbot technology on the development of the creative economy in Deli district of Serdang ]]>
<![CDATA[Nasution, Anisah Salsabila]]>;
<![CDATA[Nurbaiti, Nurbaiti]]>;
<![CDATA[Harahap, Rahmat Daim]]>
<![CDATA[ Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER ]]>
Publisher : <![CDATA[Universitas Ibn Khladun Bogor ]]>
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DOI: 10.32832/moneter.v11i2.315
<![CDATA[In our current revolutionary era, the digital economy is a projection of new talent that can inspire competitiveness. The digital economy is currently growing rapidly around the world, including Indonesia, as evidenced by the increasing number of internet users. However, it is becoming increasingly clear that ongoing digitization is not only benefiting those economic actors who can thrive with technological advances, but also creating inequalities for those who cannot keep up. The purpose of this study was to determine the effect of digital transformation and the use of whatsapp chatbot technology on the development of the creative economy in Deli Serdang district. The type of research used in this research is quantitative research. The data source used is primary data by distributing questionnaires to respondents, in this case, creative economy actors in Deli Serdang district. The analysis technique used in this study is multiple linear regression analysis using the SPSS 26 program. The results of the study state that the digital transformation and whatsapp chatbot variables have a positive and significant effect on the creative economy]]>
