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Jurnal Ekonomi, Bisnis dan Manajemen
Published by Universitas Al-Amien Prenduan
ISSN : -     EISSN : 27752747     DOI : 10.28944/masyrif
Core Subject : Religion, Economy, Science, Social,
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen is a peer reviewed open access journal published since June 2020 by the Faculty of Economics and Islamic Business, University Al-Amien Prenduan. As an open access journal, this journal provides immediate open access to its content on the principle that making research freely available to the public, supports a greater global exchange of knowledge. This journal is open access journal which means that all content is freely available without charge to users or / institution. Users are allowed to read, download, copy, distribute, print, search, or link to full text articles in this journal without asking prior permission from the publisher or author. Contains articles drawn from research in Economics finance, accounting, business, and management, published twice in June and December. We recommend to all authors that article is submitted in English. ISSN : 2775-2747 (online)
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 92 Documents
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Analisis Penggunakan E-Wallet Dalam Bertransaksi Keuangan Mahasiswa Universitas Sultan Maulana Hasanuddin Banten Qurtubi El-haqnur; Tiara Citra Yuliani; Dewi Hartaty; Budi Sudrajat; Henny Saraswati; Wahyu Hidayat
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 1 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v4i1.1131

Abstract

Internet users are growing rapidly from time to time all over the world, including Indonesia. As a result, their consumer's need for making payments has changed to non-cash payments, namely electronic wallets, which are becoming a huge potential in their e-commerce market. Their preference for e-wallet transactions increases compared to using cash. Most of its users are millennials, including students. This study has knowledge relevant to the use of e-wallets and the reasons behind their use. Their study involved college students, which consisted of nine female students, and one male student whose ages varied between 19 and 23 years. This study uses a quantitative method with an in-depth approach as a technique for collecting primary data and secondary data obtained from related websites. The results of this study yielded the following data: 1. Student knowledge about e-wallets has a positive and significant impact on student transaction interest based on the results, the t count is 10,160, which is greater than the t table, which is 1,989. 2. From the results of the deitemination coefficient test, it can be seen that the variable effect of student knowledge about e-wallets on interest in financial transactions is as much as 52.3%. This can be seen from the R value of squiarei in the variable knowledge of students about Islamic banks, which is equal to 0.523. The remaining 47.7% is affected by variables that are not included in the research being studied. On the other hand, e-wallets are not only understood as a place to store money electronically, but also as digital payments such as OVO, Gopay and DANA. and students not only feel comfortable, but also make payments easier because they can be done anywhere as long as the user is connected to the internet.
RAGAM MENU, HARGA, DAN LOKASI : PENGARUHNYA TERHADAP LOYALITAS PELANGGAN RESTORAN? Mubayyanah Mubayyanah; Aang Kunaifi; Fadali Rahman; Abd Rosyid
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 1, No 1 (2020): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v1i1.220

Abstract

Pertumbuhan bisnis kuliner di Indonesia menunjukkan perkembangan yang pesat dan memiliki prospek menjanjikan dimasa mendatang. Sejalan dengan fenomena tersebut, persaingan semakin ketat dan masyarakat menjadi semakin kritis dalam memilih restoran yang disukai. Penelitian ini bertujuan untuk mengetahui apakah ragam menu, harga, dan lokasi berpengaruh terhadap loyalitas pelanggan. Untuk menjelaskan pertanyaan tersebut peneliti melakukan penelitian di Resto Balai Redjo Pamekasan. Penelitian ini mengonfirmasi data yang dikumpulkan dari 40 responden yang diperoleh dengan menggunakan teknik non-probability sampling yaitu teknik sampling insidental. Kemudian dilakukan analisis terhadap data-data yang diperoleh berupa analisis kuantitatif. Analisis kuantitatif meliputi uji validitas dan reliabilitas, uji hipotesis lewat uji F dan uji t serta uji analisis koefisien determinasi (R2). Analisis data yang digunakan adalah analisis regresi linear berganda. Hasil penelitian ini menunjukkan bahwa seluruh variable (ragam menu, harga, dan lokasi) secara simultan memengaruhi secara signifikan terhadap loyalitas pelanggan. Secara parsial dilakukan t-test yang menghasilkan kesimpulan bahwa variable lokasi berpengaruh dominan terhadap loyalitas pelanggan. Dengan demikian setiap pengelola restoran diharapkan untuk memilih dan menentukan tempat yang strategis agar mampu memenuhi selera pelanggan dan memenangkan persaingan. Perlu dilakukan penelitian lebih lanjut untuk mengetahui bagaimana detail lokasi yang diharapkan oleh konsumen. 
ANALISIS KINERJA KEUANGAN PADA PT. AGUNG PODOMORO LAND TBK DAN PT. BUKIT ULUWATU VILLA Tbk (Study kasus berdasarkan laporan keuangan selama 2016-2019) Nuzulul Qurnain
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 3, No 2 (2022): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v3i2.817

Abstract

The purpose of this study is to determine the financial performance of PT. Agung Podomoro Land Tbk and PT. Bukit Uluwatu Villa Tbk from 2016 to 2019 in terms of the financial ratios of Liquidity, Solvency and Profitability. The analytical tool used is in the form of financial ratios consisting of Liquidity, Solvency, and Profitability ratios. Research data is secondary data obtained from financial reports. The research method uses a comparative descriptive method. Based on the analysis results obtained from 2016 to 2019 namely the liquidity ratio for PT. APL has fluctuated, namely the Current ratio from 2016 - 2019, 1.07, 1.31, 1.05 and 1.66, while PT. BUV decreased to 1.15, 0.48, 0.35 and 0.28. For cash ratio PT. APL fluctuated, namely 0.15, 0.32, 0.11 and 0.17, while PT. BUV decreased by 0.19, 0.03, 0.02 and 0.01, the higher the current ratio, quick ratio, and cash ratio, the greater the company's ability to pay off its debts. The solvency ratio for PT. APL Debt to Asset Ratio decreased, namely 0.61, 0.60, 0.59, 0.56, while PT. BUV fluctuated, namely 0.42, 048, 0.44, and 0.47. For Debt to Equity Ratio PT. APL decreased by 1.58, 1.50, 1.44 and 1.30, while PT. BUV has fluctuated, namely 0.74, 0.92, 0.77 and 0.88, so this situation is detrimental for the company, because the larger the loan amount used. Where these results are in accordance with the results of previous studies that examined these two companies. However, the amount of own capital that is used as collateral for long-term debt and the company's ability to pay PT. Agung Podomoro Land Tbk is higher than PT. Bukit Uluwatu Villa Tbk.
Pengaruh CAR, FDR, dan BOPO Terhadap ROA pada Studi kasus BCA Syariah periode (Tahun 2018 – 2022) Reines Vinia; Agung Wahyudi
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 5, No 1 (2024): Masyrif : Jurnal Ekonomi, Bisnis Dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v5i1.1370

Abstract

The purpose of this research is to determine the extent to which the capital adequacy ratio (CAR), Financing to Deposit Ratio (FDR), and the operational expense ratio (BOPO) have an effect on the profitability of BCA Syariah. The return on invested capital (ROA) is the metric that is used to analyse these elements. In terms of methodology, the research is quantitative. This information is included in the yearly report for 2018-2022 that is provided by BCA Syariah. A thorough selection was made for the sample. A multiple linear regression analysis was used in this investigation, and the statistical software tool IBM SPSS version 23 was utilised for the analysis. According to the findings of the multiple linear regression analysis, the independent variables CAR, FDR, and BOPO were able to explain the dependent variable ROA concurrently. This was the case all three variables individually. The correlation between the variable FDR and ROA is positive, although it is not statistically significant. When it comes to ROA, both the CAR factor and the BOPO factor have a counterproductive effect.
IMPLEMENTASI SERVICE EXCELLENT DALAM MENIGKATKAN KEPUASAN NASABAH DI BANK BPRS KCP PRAGAAN Zaid Raya Argantara; Nuris Watun Hasanah; Nurul Annisa; Zaitur Rohmah
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 3, No 1 (2022): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v3i1.671

Abstract

Penelitian ini akan menganalisis pelayanan prima yang di implementasikan di Bank BPRS KCP Pragaan, secara letak geografis Bank BPRS KCP Pragaan berada di tengah-tengah Bank Umum Negara yaitu Bank BNI, Bank BRI, dan Bank Mandiri. Penelitian ini menggunakan pendekatan kualitatif, dengan sampel bank BPRS KCP Pragaan. Pengambilan sampel menggunakan rumdem sumple dengan tehnik analisis data dilakukan dengan tiga tahap, yaitu; (1) Reduksi data, (2)Penyajian data, dan (3) Penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa Bank BPRS KCP Pragaan sudah mengimplementasikan pelayanan prima secara baik di dalam mendorong kepuasan nasabah, BPRS KCP Pragaan mampu menjaga loyalitas nasabahnya ditengah-tengah persaingannya dengan Bank Umum Milik Negara yang berada di sekitar Bank BPRS KCP Pragaan.
EFISIENSI PENGELOLAAN KEUANGAN DENGAN MENGHITUNG TURNOVER RECEIVABLE PADA PASIEN BPJS KESEHATAN RUMAH SAKIT DAERAH BENOWO SURABAYA Shafira Panduwinata; Anita Akhirruddin
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 2 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v4i2.1401

Abstract

The research focuses on the management of patient receivables from the Indonesian Health Security Agency (BPJS) at Hospital in Surabaya from 2019 to 2022. Through financial data analysis, it unveils the fluctuations in receivables turnover and billing periods during this period. The Accounts Receivable Turnover (ART) ratio varied, starting at 6.16 in 2020, peaking at 14.21 in 2021, and decreasing to 8.72 in 2022. These changes reflect the hospital's ability to convert BPJS receivables into cash. Meanwhile, the Average Collection Period (ACP) decreased from 59.25 days in 2020 to 25.69 days in 2021, but rose to 41.86 days in 2022, indicating shifts in the time needed to collect outstanding balances. Challenges arose from rejected BPJS claims affecting receivable balances, compounded by an increase in BPJS patients in 2022. Adapting to BPJS policy changes and streamlining the claim verification process will be crucial for financial stability. This research was conducted using quantitative methods. The research findings state that the financial management at Benowo Regional Hospital in Surabaya is inefficient.
PROBLEMATIKA PERILAKU PEDAGANG PASAR TRADISIONAL: STUDI PERSPEKTIF ETIKA BISNIS ISLAM Sakur Sakur; Ah. Ali Arifin; Iqbal Rafiqi
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 2, No 2 (2021): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v2i2.518

Abstract

The traditional market is a market that is identical to a market that has experienced a steady decline, resulting in a market that has an impact on unfair competition, lack of legal protection, congestion, the market looks dirty and, and is prone to accidents that occur. Therefore, Islamic business ethics plays a very important role in regulating the behavior of traders. The formulation of the problem in this research is first, the behavior of traditional market participants in the problem in the market on 17 August Pamekasan?. Second, how are the government's efforts in responding to the behavior of traditional market players in guarding the market on 17 August Pamekasan?. Third, what is the perspective of Islamic business ethics on the behavior of traditional market traders in guarding the market on 17 August Pamekasan? This study uses an approach with a descriptive type of research. Sources of data obtained through interviews, observation, and documentation. Checking the validity of the data using persistence, reference materials and additional observations. The results of the study show that, First: The behavior of traditional market participants in the August 17 market in maintaining still lacks care, often violates and is stubborn, Second: The government's efforts in responding to the behavior of market traders on August 17 have been good but in practice it is still lacking, third: According to an ethical perspective Islam on the behavior of traditional market participants in guarding the market on August 17, Pamekasan in terms of the principle of monotheism, the principle of balance (justice/equilibrium), the principle of free will (ikhtiar/free will), the principle of responsibility (responsibility) and the principle of responsibility (Ihsan) are still not yet fully implemented by traders.
PELUANG INDONESIA DALAM PUSARAN INDUSTRI HALAL DUNIA Muhammad Zulfikar Yusuf
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 1 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v4i1.899

Abstract

Industri halal telah menjadi primadona baru bagi kemajuan perekonomian dunia. Industri halal tumbuh dan berkembang pesat dengan pertumbuhan paling cepat di seluruh dunia. Produk dari industri halal dianggap memiliki kualitas yang tinggi, sehingga banyak masyarakat yang menjadikannya sebagai produk prioritas terhadap pemenuhan kebutuhan sehari-hari. Penelitian ini bertujuan untuk mengkaji beberapa sektor utama yang menjadi prioritas garapan industri halal dunia serta posisi Indonesia dalam memaksimalkan potensi industri halal. Jenis penelitian yang digunakan pada penelitian ini adalah studi pustaka dengan pendekatan kualitatif. Data yang digunakan pada penelitian ini adalah data sekunder yang diperoleh dari berbagai sumber seperti jurnal, buku, laporan resmi, maupun dokumen-dokumen lainnya yang kredibel dan relevan. Metode analisis yang digunakan adalah analisis deskriptif. Hasil penelitian menunjukkan bahwa Indonesia sebagai negara dengan populasi muslim terbesar di dunia memiliki potensi yang sangat besar untuk menjadi pusat industri halal dunia. Hal ini didukung oleh berbagai faktor, seperti peningkatan populasi muslim, meningkatnya kesadaran beragama, serta meningkatnya paham konsumerisme etis menjadikan Indonesia sebagai pusat halal dunia dan kiblat ekonomi syariah di dunia terbuka lebar. Untuk memaksimalkan potensi tersebut, dibutuhkan berbagai upaya dari pemerintah dan stakeholder terkait, untuk terus melakukan perbaikan regulasi dan payung hukum, penyempurnaan manajemen dan tata kelola sektor halal, penguatan rantai nilai halal, hingga pengembangan kapasitas teknologi dan peningkatan kualitas SDM yang dimiliki, agar Indonesia menjadi pusat halal dunia.
PENGARUH REPUTASI TERHADAP LOYALITAS NASABAH DI BPRS SUKOWATI SRAGEN Aulia Nur Rahmasari; Rofiul Wahyudi
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 1, No 2 (2020): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v1i2.476

Abstract

BPRS Sukowati Sragen is one of the regional companies that has a good reputation as evidenced by various awards from stakeholders.This research aims to find out the influence of reputation on customer loyalty in BPRS Sukowati Sragen. This study uses quantitative approaches through google form questionnaires and populations in this study using BPRS customer Sukowati Sragen. The study used sample determination techniques with snowball sampling and analysis in this study using simple regression analysis with SPSS analysis tool version 2.0.The results of this study reputation have a significant influence on customer loyalty at BPRS Sukowati Sragen. This is evidenced reputation has a significant rate of 92% to customer loyalty. While 8% is likely to be influenced by product quality, customer satisfaction or customer trust. Researchers did not examine 8% of these other factors.
Analisis Rasio Solvabilitas pada Sektor Basic Materials yang Terdaftar di BEI Periode 2011-2021. Adella Putri Riyani; Alfiani Andari; Reghita Adalani Itqi; Achmad Jufri; Darmawan Darmawan
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 2, No 2 (2021): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v2i2.872

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui hasil analisis rasio solvabilitas pada sektor basic materials yang terdaftar di BEI pada periode 2011-2021. Sampel yang digunakan dalam penelitian ini yaitu PT. Tjiwi Kimia Tbk, PT. Alakasa Industrindo Tbk, dan PT. Indal Aluminium Industry Tbk. Metode yang digunakan dalam penelitian ini adalah deskriptif dengan pendekatan kuantitatif menggunakan jenis data sekunder berupa catatan laporan keuangan perusahaan maupun laporan historis selama periode 2011-2021 yang telah dipublikasikan pada situs resmi Bursa Efek Indonesia (BEI). Hasil dari penelitian ini menunjukkan kinerja keuangan pada perusahaan TKIM (PT. Tjiwi Kimia Tbk) dalam keadaan yang cukup baik dibandingkan dengan perusahaan ALKA (PT. Alakasa Industrindo Tbk) dan INAI (PT. Indal Aluminium Industry Tbk). Hal tersebut dapat dilihat dari debt to asset ratio dan debt to equity ratio perusahaan TKIM (PT. Tjiwi Kimia Tbk) dengan rata-rata selama kurun waktu 11 tahun cenderung lebih rendah dari perusahaan ALKA (PT. ALKA Tbk) dan perusahaan INAI (PT. INAI Tbk).

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