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Journal of Economics, Management, Accounting and Computer Applications
Published by Institute Of Advanced Knowledge and Science
ISSN : -     EISSN : 30481872     DOI : https://doi.org/10.69693/jemaca
Core Subject : Economy, Science, Engineering,
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering
Journal of Economics, Management, Accounting and Computer Applications (JEMACA) is published by the Institute Of Advanced Knowledge and Science in helping academics, researchers, and practitioners to disseminate their research results. JEMACA is a blind peer-reviewed journal dedicated to publishing quality research results in the fields of economics, management, accounting and computer science. All publications in the JEMACA Journal are open access which allows articles to be available online for free without any subscription. JEMACA is a national journal with e-ISSN: 3048-1872, and is have fee of charge in the submission process and review process. Journal of Engineering and Science Application publishes articles periodically twice a year, in Juni and Desember. JEMACA uses Turnitin plagiarism checks, Mendeley for reference management and supported by Crossref (DOI) for identification of scientific paper.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 15 Documents
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Pengaruh Insentif Dan Locus of Control Terhadap Kinerja Karyawan pada Koperasi Simpan Pinjam Syariah Baharuddin, Baharuddin; Hanafi, Muh. Alam Nasyrah; Nurjaya, Muhammad
Journal of Economics, Management, Accounting and Computer Applications Vol. 1 No. 1 (2024)
Publisher : Institute Of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jemaca.v1i1.1

Abstract

Penelitian ini bertujuan dilakukan untuk mengetahui pengaruh insentif dan locus of control terhadap kinerja karyawan pada pada Koperasi Simpan Pinjam Syariah Bakti Huria Syariah Makassar. Variabel yang digunakan adalah insentif dan locus of control dan kinerja karyawan. Metode pengumpulan data melalui kuesioner yang dibagikan kepada Karyawan koperasi Simpan Pinjam Syariah Bakti Huria Syariah Makassar. Sampel yang diambil sebanyak 40 responden dengan teknik pengambilan sampel jenuh. Hasil penelitian menunjukkan bahwa secara parsial variabel insentif berpengaruh positif dan signifikan terhadap kinerja karyawan, secara parsial variabel locus of control berpengaruh positif dan signifikan terhadap kinerja karyawan. Sedangkan secara simultan variabel insentif dan locus of control berpengaruh positif dan signifikan terhadap kinerja karyawan.
Comparative Analysis of Financial Performance of Sharia Banking and Conventional Banking Ar, Sulkifli
Journal of Economics, Management, Accounting and Computer Applications Vol. 1 No. 1 (2024)
Publisher : Institute Of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jemaca.v1i1.2

Abstract

Penelitian ini bertujuan untuk mengetahui, menguji dan menganalisis: Perbandingan kinerja keuagan pada Bank Syariah Indonesia dan BRI konvensional Penelitian ini merupakan penelitian komparatif dimana populasi dan sampel penelitian ini adalah Bank Syariah Indonesia dan BRI Konvensional yang terdaftar pada Bursa Efek Indonesia, sampel dari penelitian ini ditentukan menggunakan teknik Purposive Sampling, Pengumpulan data menggunakan dokumentasi. Analisis data menggunakan analisis komparatif atau uji perbandingan. Hasil dari penelitian ini menunjukan bahwa: Terdapat perbedaan kinerja pada rasio LDR, dan juga hasil menunjukan tidak terdapat perbedaan kinerja keuangan pada rasio CAR, NPL/NPF, ROE, ROA, dan BOPO. Hasil pengujian rasio LDR dengan nilai Sig. (2 tailed) sebesar 0.005 < 0.05. Hal tersebut dapat dikatakn bahwa terjadi perbedaan yang signifikan pada rasio LDR antara BRI Konvensional dengan Bank Syariah Indonesia, Hasil pengujian rasio CAR dapat menginformasikan kepada kita bahwan nilai signifikansi sebesar 0.514 > 0.05. Hal tersebut menunjukan bahwa pada rasio CAR tidak terdapat perbedaan yang signifikan antara BRI Konvensional dengan Bank Syariah Indonesia, Hasil peengujian rasio NPL/NPPF dapat menginformasikan kepada kita bahwa nilai signifikan 0.382 > 0.05. Hal tersebut menunjukan bahwa tidak terdapat perbedaan yang signifikan pada rasio NPL/NPF antara BRI Konvensional dengan Bank Syariah Indonesia, Hasil pengujian rasio ROE, menginformasikan kepada kita bahwa nilai hasil signifikan sebesar 0.436 > 0.05 sehingga dapat dinyatakn bahwa tidak terdapat perbedaan yang signifikan pada Rasio ROE antara BRI Konvensional dengan Bank Syariah Indonesia, Hasil pegujian rasio ROA dapat memberikan gambaran informasi kepada kita bahwa nilai signifikan sebesar 0.449 > 0.05. Hal tersebut menunjukan bahwa tidak terdapat perbedaan yang signifikan dengan kata lain bahwa kinerja rasio ROA antara BRI Konvensional dan Bank Syarian Indonesia relatif sama atau tidak ada perbedaan, Hasil pengujian rasio BOPO di atas menginformasikan kepada kita bahwa hasil nilai signifikan sebesar 0.517 > 0.05. Hal tersebut menujukan bahwa tidak terdapat perbedaan yang signifikan pada rasio BOPO antara BRI Konvesional dengan Bank Syariah Indonesia
Pengaruh Kompetensi Perangkat Desa, Partisipasi Masyarakat, Komitmen Organisasi Dan Transparansi Terhadap Akuntabilitas Pengelolaan Dana Desa Riyadi, Padlah
Journal of Economics, Management, Accounting and Computer Applications Vol. 1 No. 1 (2024)
Publisher : Institute Of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jemaca.v1i1.3

Abstract

The aim of the research is to test and provide empirical evidence of the influence of village officials' competence, community participation, organizational commitment and transparency on the accountability of village fund management. This research was conducted using a sample determination method, namely purposive sampling, with a quantitative research type. Data analysis was carried out using a multiple regression analysis model. Hypothesis testing was carried out to determine the extent of influence of village apparatus competence, community participation, organizational commitment and transparency on accountability in managing village funds, either partially or simultaneously. The results of hypothesis testing show that the competence of village officials has no effect on the accountability of village fund management, while community participation, organizational commitment and transparency have a positive effect on the accountability of village fund management.
The Impact of Digital Marketing Technology Development on the Growth of Pekalongan Batik MSMEs via Social Media and Marketplaces Jamil, Muhammad; Adinugraha, Hendri Hermawan
Journal of Economics, Management, Accounting and Computer Applications Vol. 1 No. 1 (2024)
Publisher : Institute Of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jemaca.v1i1.4

Abstract

There have been changes in many facets of human life due to technology’s ever-accelerating development. All human affairs and everyday tasks can now be made simpler thanks to technological advancements; the marketing and product sales industry is just one example. These days, technology can help to simplify marketing; it can even be used to sell goods directly to customers online. Naturally, the advancement of this technology benefits both buyers and sellers, as it facilitates the purchasing and exploration of products via digital networks. The growth of MSMEs (micro, small, and medium-sized enterprises), particularly Batik, is greatly influenced by the advancement of digital marketing. Digital marketing facilitates the marketing of batik products by allowing producers or sellers to directly market their products in real-time via social media or marketplaces. The purpose of this study was to examine how advancements in digital marketing technology have affected MSMEs, particularly Batik in Pekalongan. Information is gathered through field observations and observations. It is hoped that the research's findings will shed light on the advancements faced by Batik MSMEs that have adopted digital marketing or digital network marketing, as well as explain the advantages of digital marketing for company growth.
The Effectiveness of the Implementation of the Quick Response Code Indonesia Standard (QRIS) Payment System for MSMEs Nisa, Sakinatun; Adinugraha, Hendri Hermawan
Journal of Economics, Management, Accounting and Computer Applications Vol. 1 No. 1 (2024)
Publisher : Institute Of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jemaca.v1i1.5

Abstract

The rapid advancement of technology has brought significant changes in society, particularly in the economic sector. The latest technological developments, especially in financial technology, have facilitated Indonesians in their daily activities, access to information, and business development. The rise of digital economy through innovations in financial technology has led to the emergence of cashless payment systems, such as QR code-based payment systems. Despite the benefits of these systems, challenges such as inadequate internet infrastructure and lack of public participation hinder their effectiveness, especially in rural areas like Rowoyoso village in Pekalongan Regency. This study aims to explore the effectiveness of implementing the QRIS payment system for Micro, Small, and Medium Enterprises in Rowoyoso Village, Pekalongan Regency. The qualitative research approach involves data collection through interviews with MSMEs owners and observations at the research site. Findings indicate that while QRIS offers convenience and transparency in financial transactions, challenges such as poor internet connectivity and low community participation pose barriers to its successful implementation. The research contributes to understanding the impact of digital payment systems on MSMEs and highlights the importance of addressing infrastructure and community engagement issues for the effective adoption of QRIS. The findings suggest that QRIS can enhance business operations, streamline financial management, and improve security compared to traditional cash transactions. By evaluating the effectiveness of the QRIS payment system, this study provides insights for policymakers, financial institutions, and MSMEs owners to enhance the digital payment ecosystem in rural areas like Rowoyoso village.
Classroom Management in Increasing Student Learning Interest Yulianta, Eka
Journal of Economics, Management, Accounting and Computer Applications Vol. 1 No. 2 (2024)
Publisher : Institute Of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jemaca.v1i2.10

Abstract

Classroom management is an important component in determining the success of the education process and one of the factors in improving the quality of education in Indonesia. The importance of classroom management makes every educational institution make maximum efforts to meet classroom management standards to improve the quality of the learning process. This research uses a qualitative approach with descriptive analysis. The research subjects were the principal, head of the expertise program and homeroom teacher. The data collection techniques used are the interview method, observation method, and documentation method, which will later obtain primary and secondary data to be analyzed together to draw conclusions. Based on the results of the research that the author has done, it can be concluded that classroom management at SMK Islam Moyudan in supporting the learning process is quite good. However, some classroom management has not been realized, among others, in the process of planning, organizing, maintaining, and supervising classroom infrastructure. The obstacles experienced are the lack of human resources in the field of administration and infrastructure as well as incoming funds for the procurement facility process and the slow infrastructure
Analysis of Financial Literacy, Financial Attitude, and Locus of Control on Financial Management Behavior Fazrin, Rahmawati; Fathihani, Fathihani
Journal of Economics, Management, Accounting and Computer Applications Vol. 1 No. 2 (2024)
Publisher : Institute Of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jemaca.v1i2.11

Abstract

This study was conducted with the aim of determining the effect of Financial Literacy, Financial Attitudes and Locus of Control on Financial Management Behavior. The sampling technique used was purposive sampling, which is a technique for taking data sources by determining samples with certain considerations. The data used is primary data using a questionnaire distributed to 100 respondents, namely the millennial generation in the Jakarta area. The analysis method uses the Statistical Product and Services Solution (SPSS) application. The results of this study are that Financial Literacy has a positive and significant effect on the Financial Management Behavior of the Millennial Generation in the Jakarta area. Financial Attitudes do not affect the Financial Management Behavior of the Millennial Generation in the Jakarta area. Locus of Control has a positive and significant effect on the Financial Management Behavior of the Millennial Generation in the Jakarta area.
Exploring the Relationship Between Education Levels and Non-Food Consumption in Indonesia Ammar, Zul
Journal of Economics, Management, Accounting and Computer Applications Vol. 1 No. 2 (2024)
Publisher : Institute Of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jemaca.v1i2.12

Abstract

This study examines the effect of education level on non-food consumption in Indonesia using quantitative analysis with secondary data from the March 2017 National Socioeconomic Survey (SUSENAS). The sample consists of 686,274 individuals aged 19 years and older, with variables including education level (independent variable) and non-food consumption expenditure (dependent variable). Simple linear regression analysis was employed, with data processed using STATA 17.  The results indicate that education level has a positive and significant effect on non-food consumption, as shown by the regression equation Y=322,493.7+800,907.8X+e. The regression coefficient of 800,907.8 implies that a one-level increase in education results in an 800,907.8-rupiah increase in non-food consumption. The p-value of <0.05 confirms the statistical significance of this relationship. However, the coefficient of determination (R²) of 0.0846 (8.46%) suggests that education explains only a small proportion of the variation in non-food consumption, with other factors, such as income, lifestyle, and demographics, likely playing a more dominant role. This study highlights the critical role of education in shaping consumption patterns and suggests policy implications, including improving access to quality education and addressing broader socioeconomic factors to enhance household welfare. Future research should incorporate additional variables and temporal dimensions to provide a more comprehensive understanding of the determinants of non-food consumption.
Analysis of the Determinants of Open Unemployment Rate: The Role of Human Development Index and Socioeconomic Factors Apriyanti, Cikit; Yanuarti, Mira
Journal of Economics, Management, Accounting and Computer Applications Vol. 1 No. 2 (2024)
Publisher : Institute Of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jemaca.v1i2.13

Abstract

Economic conditions, unfavorable government policies, the growth of fictitious economic sectors, a lack of education and skills, a shortage of employment opportunities relative to the number of job seekers, and job seeker competencies that do not align with the job market are some of the factors that contribute to unemployment. Analyzing the main determinants of the open unemployment rate in Bengkulu Province is the aim of this study. Multiple linear regression analysis was employed in this work to analyze secondary data from 2012 to 2023 that was obtained from the Bengkulu Province BPS. The study's findings demonstrated that the F count value of 3.391 from the simultaneous test was higher than the F table value of 3.106. The dependent and independent variables are not influenced by one another, it can be concluded. With a significance value of 0.195>0.05, the Human Development Index (HDI) (X4) is the variable that most affects the open unemployment rate in the partial test. It has a positive impact on the open unemployment rate. With a computed t value of 1.433 and a t table of 1.39682, the Human Development Index (HDI) (X4) is the variable that most affects the Open Unemployment Rate. The Determination Coefficient is 0.655, meaning that the Human Development Index (HDI) (X4), Population (X2), Poverty (X3), and PDRB (X1) each contributed 65.5% and 34.5%, respectively.
Management of Problematic Receivables in Islamic Banks: Monitoring, Strategies, and Risk Mitigation Ulhaq, Faris Zia; Kurniawan, Kurniawan; Sobana, Dadang Husen
Journal of Economics, Management, Accounting and Computer Applications Vol. 1 No. 2 (2024)
Publisher : Institute Of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jemaca.v1i2.16

Abstract

This study examines the management of problematic receivables in Islamic banks, focusing on monitoring mechanisms, resolution strategies, and risk mitigation. The high Non-Performing Financing (NPF) ratio poses a significant challenge to Islamic banks, threatening their liquidity and reputation. This study evaluates the effectiveness of categorizing problematic receivables, from performing to non-performing financing. The findings indicate that rescue and resolution strategies can effectively reduce the NPF ratio. A case study of PT BPRS Harta Insan Karimah Parahyangan revealed that in 2023, the gross NPF ratio was 1.92%, and the net NPF ratio was 1.50%. Measures to further minimize the NPF ratio include: monitoring financing in the performing category and deposit funds, implementing rescue and resolution steps for problematic receivables, enhancing financing expansion with prudential principles, establishing Allowance for Earning Assets Losses (PPAP), and write-offs. Risk mitigation for problematic receivables can be carried out through.

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