cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Mai Yuliza
Contact Email
maiyuliza@stie-yappas.ac.id
Phone
-
Journal Mail Official
maiyuliza@stie-yappas.ac.id
Editorial Address
https://itskhatulistiwa.ac.id/ojsapresiasiekonomi/index.php/apresiasiekonomi/about/editorialTeam
Location
Kab. pasaman barat,
Sumatera barat
INDONESIA
e-Jurnal Apresiasi Ekonomi
Published by Sekolah Tinggi Ilmu Ekonomi Pasaman Simpang Empat
ISSN : 23373997     EISSN : 26139774     DOI : -
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
topics that will be published in this journal are: 1. Development theory and application of management science; 2. Study of entrepreneurship and entrepreneurship development; 3. Development and research on applying the theory of business science 4. Community economic development. But the other relevant topics with is available.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 17 Documents
 1   2 
Search results for , issue "Vol 10, No 3 (2022)" : 17 Documents clear
PENGARUH INKLUSI KEUANGAN DAN LITERASI KEUANGAN TERHADAP KINERJA UMKM SUB SEKTOR USAHA MIKRO DI KABUPATEN BOJONEGORO, JAWA TIMUR Sri Rahayu Dinun Amin; Heni Purwa Pamungkas
Jurnal Apresiasi Ekonomi Vol 10, No 3 (2022)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (263.892 KB) | DOI: 10.31846/jae.v10i3.480

Abstract

 ABSTRAKFenomena Covid-19 memberikan dampak yang signifikan bagi UMKM Indonesia. Hal ini menjadi hal yang serius mengingat besarnya kontribusi peran UMKM terhadap perekonomian Indonesia, khususnya Jawa Timur. UMKM di Bojonegoro menduduki peringkat ke-12 dari 38 kabupaten di Jawa Timur yang berkontribusi terhadap perekonomian Jawa Timur. Penelitian ini bertujuan untuk menganalisis pengaruh inklusi keuangan dan literasi keuangan terhadap kinerja UMKM. Penelitian ini menggunakan pendekatan kuantitatif dengan metode asosiatif. Sampel yang digunakan adalah 33 pelaku usaha UMKM subsektor mikro di Kecamatan Bojonegoro. Teknik pengambilan data dilakukan dengan cara observasi, wawancara dan sebar kuisioner. Teknik analisis regresi linier berganda digunakan dalam pengujian hipotesis. Hasil penelitian menunjukkan bahwa inklusi keuangan tidak berpengaruh terhadap kinerja UMKM di Kabupaten Bojonegoro dan literasi keuangan berpengaruh terhadap kinerja UMKM di Kabupaten Bojonegoro. Sedangkan secara simultan kedua variabel bebas berpengaruh terhadap kinerja UMKM di Kecamatan Bojonegoro.Kata kunci: Inklusi keuangan, literasi keuangan, UMKM. Pandemi, Bojonegoro ABSTRACT The Covid-19 phenomenon has had a significant impact on Indonesian MSMEs. This is a serious matter considering the large contribution of the role of MSMEs to the Indonesian economy, especially East Java. MSMEs in Bojonegoro are ranked 12th out of 38 regencies in East Java that contribute to the East Java economy. This study aims to analyze the effect of financial inclusion and financial literacy on the performance of MSMEs. This study uses a quantitative approach with the associative method. The sample is used by 33  micro sub-sector MSME business actors in Bojonegoro sub-district. Data collection techniques were carried out by means of observation, interviews and questionnaires. Multiple linear regression analysis technique is used in hypothesis testing. The results showed that financial inclusion had no effect on the performance of SMEs in Bojonegoro district and financial literacy had an effect on the performance of SMEs in Bojonegoro district. Meanwhile, simultaneously, the two independent variables affect the performance of SMEs in the Bojonegoro sub-district.Keywords: Financial inclusion, financial literacy, msme. Pandemic, Bojonegoro
DISKURSUS MORAL HAZARD SEBAGAI EKSISTENSI HUMANITARIAN SUPPLY CHAIN MANAGEMENT JAMINAN KESEHATAN DI KOTA SURABAYA Nur Jannah; Yurilla Endah Muliatie; Aminatuzzuhro Aminatuzzuhro
Jurnal Apresiasi Ekonomi Vol 10, No 3 (2022)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (204.192 KB) | DOI: 10.31846/jae.v10i3.483

Abstract

ABSTRAKPenelitian ini menganalisis diskursus moral hazard dari penyelenggara negara dalam upaya meningkatkan humanitarian supply chain jaminan kesehatan di Kota Surabaya. Metode penelitian ini merupakan penelitian kualitatif yang menginterpretasikan moral hazard melalui perangkat teori moralitas Immanuel Khan. Metode ini dianggap tepat dengan penggunaan data primer dan sekunder yang ada. Data primer didapatkan berdasarkan observasi secara langsung, indepth interview, dan focus group discussion. Lebih lanjut data sekunder didapatkan dari literatur masa lampau, studi, buku, penelitian, dan dokumen penting lainnya. Fokus penelitian ini adalah moral hazard dan humanitarian supply chain. Kesimpulan penelitian menunjukkan moralitas hubungan manusia dengan manusia lain memiliki kelebihan dan keunggulan pda moralnya. Morallah yang menunjukkan hakikat umat manusia. Kant mengemukakan pendapat bahwa manusia tidak boleh diterapkan sebagai salah satu tujuan. Dalam hal percepatan penanganan di bidang kesehatan efisiensi dan efektivitas dari pengobatan maupun pelayanan sangatlah penting mengingat urgensi dari permasalahan kesehatan yang tinggi. Terbukti dengan penggunaan teknologi dalam negeri yang masih minim meskipun kita tidak menutup mata bahwa ada beberapa teknologi yang digunakan akan tetapi tingkat efektifitasnya masih rendah. Kemajuan teknologi di bidang kesehatan menjadi salah satu tantangan Indonesia kedepan utamanya sebagai peningkatan layanan kesehatan dan stabilitas supply chain. ABSTRACTThis study analyzes the moral hazard discourse of state organizers in an effort to improve the humanitarian supply chain of health insurance in the city of Surabaya. This research method is a qualitative research that interprets moral hazard through immanuel Khan's morality theory. This method is considered appropriate with the use of existing primary and secondary data. Primary data were obtained based on direct observation, indepth interviews, and focus group discussions. Furthermore, secondary data were obtained from past literature, studies, books, research, and other important documents. The focus of this research is moral hazard and humanitarian supply chain. The conclusions of the study show that the morality of human relations with other human beings has its advantages and advantages. It is morals that show the nature of mankind. Kant put forward the opinion that human beings should not be applied as one of the goals. In terms of accelerating treatment in the health sector, the efficiency and effectiveness of treatment and services is very important considering the urgency of high health problems. It is proven by the use of domestic technology which is still minimal although we do not close our eyes that there are some technologies used, but the level of effectiveness is still low. Technological advances in the health sector are one of Indonesia's challenges in the future, especially as improving health services and supply chain stability
ANALYSIS OF THE EFFECTIVENESS OF ACCIDENT INSURANCE COMPENSATION SETTLEMENT FOR PUBLIC TRANSPORTATION PASSENGERS AT PT. JASA RAHARJA REPRESENTATIVE OF TK II PADANG SIDEMPUAN Harahap, Ayu Ashara; Nasution, Annio Indah Lestari; Jannah, Nurul
Jurnal Apresiasi Ekonomi Vol 10, No 3 (2022)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v11i3.695

Abstract

This study aims to determine how the effectiveness of compensation settlement has been running effectively or ineffectively in accordance with the operational standards of PT. Jasa Raharja tk II padang sidempuan. This study used qualitative descriptive method with data collection of interviews, observations, documentation.  The sample of this research is the company PT. Jasa Raharja Representative of TK II Padangsidimpuan, using descriptive analysis techniques which include: data reduction, data presentation, and conclusions. Specifically, that the data above shows the number of victims who have been disbursed compensation funds and their effectiveness is good and the settlement is timely. The measurement of effectiveness in general and most prominent is program success, goal success, satisfaction with the program, input and output levels, achievement and overall goals. Program effectiveness can be carried out with operational capabilities in carrying out work programs in accordance with predetermined goals. It is known that the analysis of the effectiveness of the settlement of accident insurance compensation for public transportation passengers at PT Jasa Raharja TK II Padang Sidempuan has been very good and effective. and all programs on the road at PT jasa raharja tk ii padang sidempuan have reached the desired target.Keywords: Accident Insurance; Indemnification; Effectiveness
STRATEGY TO INCREASE THE EXISTENCE OF WAQF FEATURES IN ALLISYA PROTECTION PLUS PRODUCTS Siregar, Pratista Andanitya; Imsar, Imsar
Jurnal Apresiasi Ekonomi Vol 10, No 3 (2022)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v11i3.697

Abstract

The waqf feature in insurance products in Indonesia has the potential to grow along with the large role of waqf in improving the welfare of the people. This study aims to analyze strategies that can be used to improve the existence of waqf features in allisya protection plus products. This research uses qualitative descriptive methods, namely research that explains data and information based on facts obtained in the field. Based on the results of research and discussion, the marketing concept carried out includes products, prices, places and promotions. The marketing strategy is also through an agent and who understands the concept of sales to convince potential customers. An agent in carrying out his duties and obligations must adhere to the code of ethics and act as a good advisor, have insight, knowledge of sharia insurance products, have morals, manners, care and easy to get along with.  The attitude of an agent is an important capital so that people can easily understand the products and services of sharia insurance. The company also cooperates with several waqf institutions. Keywords: Waqf Feature, Allisya Protection Plus, Strategy
THE EFFECT OF WORK MOTIVATION AND WORK DISCIPLINE ON EMPLOYEE PERFORMANCE WITH REWARD AND PUNISHMENT AS MODERATION VARIABLES (CASE STUDY : PT SALIM IVOMAS PRATAMA KOTA PEKANBARU) Elfina, Rini; Siregar, Budi Alamsyah; Suma, Dewi; Alhempi, R Rudi; Putri, Rumanintya Lisaria
Jurnal Apresiasi Ekonomi Vol 10, No 3 (2022)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v11i3.705

Abstract

The era of globalization where every company must compete to maintain and develop its existence, including PT Salim Ivomas Pratama. The main activities of PT Salim Ivomas Pratama start from research, seeding, processing to marketing, the complexity of all activities at PT Salim Ivomas Pratama must be supported by qualified employees and good human resource management. . One of the important elements to improve employee performance is motivation and work discipline. While  the reward and punishment  system plays a role in maintaining the motivation of high-performing employees. The study aims to determine the effect of work motivation and work discipline on employee performance with reward and punishment as mediation variables. Quantitative research using SEM-PLS analysis with the help of SmartPLS application version 3.0. The research instrument was in the form of a questionnaire with a total of 132 respondents. The results of the study found that reward and punishment variables  mediate work motivation variables on employee performance by providing a positive and significant influence shown through calculated values of 2.441< 1,979 tables and p-values of   0.015  < 0.05. Furthermore, reward and punishment can mediate between the variability of work discipline on employee performance positively  and significantly indicated by a calculated value of 4.323< 1,979 ttable and p-value  0.000< 0.05Keyword: Work Motivation, Work Discipline, Employee Performance and Reward And Punishment
THE INFLUENCE OF PRODUCT DESIGN AND INTEGRATED MARKETING COMMUNICATIONS ON CUSTOMER BUYING Munthe, Yusnita Ulfah; Nurbaiti, Nurbaiti; Syarvina, Wahyu
Jurnal Apresiasi Ekonomi Vol 10, No 3 (2022)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v11i3.696

Abstract

This article aims to observe the influence of product design and integrated marketing communication on customer buying interest in general insurance product at PT. Askrida Syariah Insurance Medan Branch. This studi utilized a quantitative way to deal with the concept of causality research. The process of collecting data by distributing research questionnaires via Google forms using a Likert scale. Information examination and testing in this study used a statistical tool, namely SPSSv26. The tests utilized in this study are Validity and Reliability tests, Classic Assumption tests, Multiple Linear Regression Analyssis, Significance tests, and Determinant Coefficient (R2) tests. In this study, the sample drawn using a simple random sampledrawn from population. The populace in this study is the client of PT. Askrida Syariah Insurance Medan Branch, aading up to 1011. Because the population in this study was very large, exceeding 1000, the researchers finally drew a sample utilizing the Slovin equation. In this manner the example got is 91 people. That’s what the outcome showed that the R Square coefficient was 45,9%, it very well may be reasoned that the influence of the magnitude of the Product Design variable (X1) and the Integrated Marketing Communication Variable (X2) on Customer Purchase Interest (Y) is equal to 0,459 (45,9%). Keywords: Product Design, Integrated Marketing Communication and Customer Buying Interest
ANALYSIS OF SHARIA LIFE INSURANCE CONTRIBUTION USING MAKEHAM'S MORTALITY LAW WITH THE COST OF INSURANCE METHOD AT PT SUN LIFE MEDAN Siregar, Rizki Kurnia; Atika, Atika; Lubis, Fauzi Arif
Jurnal Apresiasi Ekonomi Vol 10, No 3 (2022)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v12i3.839

Abstract

Based on the mitigation method, insurance is divided into conventional insurance and sharia insurance. In sharia insurance, the principle of risksharing is applied. In the concept of risksharing, all participants are obliged to pay contributions to the insurance manager. This contribution consists of three elements, namely ujrah, tabarru, and tijarah. Life insurance product xxx is a discrete n-year term life insurance that includes tijarah elements in the unit link. Life insurance product xxx has three elements of contribution, namely ujrah, tabarru, and tijarah. The ujrah fund has been determined by the insurance manager and is explained in detail in the policy agreement. The tijarah fund depends on the investment level assumption chosen by the prospective insurance participant. In addition to these two elements, the insurance manager must calculate tabarru to pay the insurance participant's claim. In this study, an estimate will be made for the gross contribution of the tabarru fund. To estimate the gross contribution of tabarru funds, the Cost of Insurance (COI) method is used which involves the variable ?? (the probability of death of a person aged ? years obtained from the mortality table), discount factor, and assumptions of management fees. The Gompertz mortality law approach is used to refine the mortality table. The results are in the form of a table of gross contributions of tabarru funds for prospective male and female participants with an assumption of insurance compensation of Rp. 250,000,000 for the age range of 1-111 years with nine combinations of three investment return assumptions and three management fees that can be chosen by prospective insurance participants.Keywords: sharia insurance, contribution, COI

Page 2 of 2 | Total Record : 17

 1   2 

Filter by Year

2022 2022


Reset
Filter By Issues
All Issue Vol 14, No 1 (2026) Vol 13, No 3 (2025) Vol 13, No 2 (2025) Vol 13, No 1 (2025) Vol 12, No 3 (2024) Vol 12, No 2 (2024) Vol 12, No 1 (2024) Vol 11, No 3 (2023) Vol 11, No 2 (2023) Vol 11, No 1 (2023) Vol 10, No 3 (2022) Vol 10, No 2 (2022) Vol 10, No 1 (2022) Vol 9, No 3 (2021) Vol 9, No 2 (2021) Vol 9, No 1 (2021) Vol 8, No 3 (2020) Vol 8, No 2 (2020) Vol 8, No 1 (2020) Vol 7, No 3 (2019) Vol 7, No 2 (2019) Vol 7, No 1 (2019) Vol 6, No 3 (2018) Vol 6, No 2 (2018) Vol 6, No 1 (2018) Vol 5, No 3 (2017) Vol 5, No 2 (2017) Vol 5, No 1 (2017) Vol 4, No 3 (2016) Vol 4, No 2 (2016) Vol 4, No 1 (2016) Vol 3, No 3 (2015) Vol 3, No 2 (2015) Vol 3, No 1 (2015) Vol 2, No 3 (2014) Vol 2, No 2 (2014) Vol 2, No 1 (2014) Vol 1, No 3 (2013) Vol 1, No 2 (2013) Vol 1, No 1 (2013) More Issue