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Dr. Zainul Hidayah, S.Pi., M.App.Sc.
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zainulhidayah@trunojoyo.ac.id
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Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura
Published by Universitas Trunojoyo Madura
ISSN : 18297935     EISSN : 26547856     DOI : https://doi.org/10.21107/pamator
Core Subject : Economy, Humanities, Social,
Humanities Economics, Econometrics & Finance Social Sciences
PAMATOR JOURNAL is the Journal of Social Sciences, Economics and Humanities, published by the Institute for Research and Community Service Trunojoyo University, 2 times a year (April and October).
Arjuna Subject : Umum - Umum
Articles 6 Documents
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Search results for , issue "Vol 17, No 4: October - December 2024" : 6 Documents clear
Factors That Influence Consumer Decisions In Buying Used Mobile Phones In Dairi District Berutu, Fajran Rahman; Sugianto, Sugianto; Nasution, Muhammad Irwan Padli
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 17, No 4: October - December 2024
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v17i4.28688

Abstract

Used cellphones are cellular telecommunications devices that have been previously used by other people and resold. Not a few people prefer to buy used cellphones rather than new cellphones. This research aims to analyze the factors that influence consumers' decisions in buying used cellphones in Dairi Regency. The subjects in this research were people from Dairi Regency who had bought used cellphones. The research method used is quantitative by obtaining data through questionnaires distributed to respondents. The data analysis technique used is multiple linear regression analysis. The research results showed that partially the price and quality of the product did not influence consumers' decisions to buy used cellphones in Dairi Regency. Partially, brand and physical condition have a positive influence on consumers' decisions to buy used cellphones in Dairi Regency. Meanwhile, simultaneously price and product quality have a positive influence on consumers' decisions to buy used cellphones in Dairi Regency.
Assessing How Fintech Peer-to-Peer Lending, Banking Digitization, and Banking Credit Risk Affect the Financial Performance of Indonesian Commercial Banks KBMI 4 in Digital Era Prawira, Anggun Wida; Susilowati, Heni; Ratnaningrum, Ratnaningrum
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 17, No 4: October - December 2024
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v17i4.27944

Abstract

This study aims to determine and analyses the effect of Fintech Peer to Peer Lending, Bank Digitization and Non-Performing Loans on Banking Financial Performance (Return on Asset) at KBMI 4 Commercial Banks in 2019-2023. This type of research is descriptive with quantitative analysis. The object of the research is the audited financial report of Bank Umum KBMI 4 listed on the Indonesia Stock Exchange and the report from the Financial Services Authority. The sample was selected using the Purposive Sampling technique. Data analysis techniques using multiple linear regression analysis. Findings: P2P Lending has a negative and significant effect on Return on Assets. Bank Digitization does not have a positive and significant effect on Return on Assets. Non-Performing Loans have a negative and significant effect on Return on Assets. Peer to Peer Lending, Banking Digitization, Non-Performing Loan simultaneously have a significant effect on Return on Assets. Banks in KBMI Category 4 must carry out Product Innovation to compete with P2P lending. By establishing Partnerships, conducting Market Segment Approaches, developing Digitization: and using big data and analytics. By implementing these strategies, banks remain relevant and competitive in the digital era.
Legal Protection of the Penataran Temple Site in Blitar Regency in the Digital Era Based on the Utilization of Artificial Intelligence Prasetyo, Ngesti Dwi; Fadli, Moh; Susilo, Edi; Puspitawati, Dhiana; Lutfi, Mustafa
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 17, No 4: October - December 2024
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v17i4.26774

Abstract

Penataran Temple, a cultural heritage site in Blitar Regency, stands as a testament to the pinnacle of past Nusantara civilization. Despite its significance, the protection of Penataran Temple requires optimization. This study aims to develop a legal protection strategy for Penataran Temple through the use of Artificial Intelligence. Employing statutory, conceptual, and historical approaches, this empirical juridical research analyzes data using sociological juridical methods. The study underscores the urgent need to enhance legal protection, particularly in rebranding the ecotourism potential of Penataran Temple. This effort seeks to cultivate, reaffirm, and revive the noble values of cultural heritage, establishing it as a distinctive landmark enriched by the unique mosaic of local wisdom. Utilizing innovative design and advanced technologies such as artificial intelligence, this approach significantly enhances branding rooted in local wisdom and ancestral heritage. It is crucial for promoting and safeguarding the temple from legal exploitation by parties lacking integrity and historical awareness in the digital age.
Analysis of Cascara Business Competition Using Porter’s Five Forces Model at PT Agritama Sinergi Inovasi Gika, Eline Nuha Nurrohmah; Purwaamijaya, Btari Mariska; Maesaroh, Syti Sarah
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 17, No 4: October - December 2024
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v17i4.28772

Abstract

The cascara market in Indonesia has great potential due to the increasing interest in health-oriented beverages. However, PT Agritama Sinergi Inovasi (AGAVI) faces competitive challenges in the form of high supplier bargaining power, lack of awareness of the domestic market, and threats from substitute products such as tisane and herbal tea. This study aims to analyze the level of competition in the cascara business of PT Agritama Sinergi Inovasi (AGAVI) using Porter's Five Forces model. The research method used is a qualitative approach through interviews, observations, and documentation to collect data. Data analysis was carried out descriptively with source triangulation to ensure the validity of the findings. The results of the analysis show that the bargaining power of suppliers is at a high level, while the bargaining power of buyers and the threat of newcomers are at a medium level. The threat of substitute products is at a low level, while the level of competition between competitors is at a medium level, providing innovation opportunities for AGAVI. This research contributes to enriching the understanding of business competition in the health-based beverage market, especially in the sustainability-based beverage industry. These findings provide insights for AGAVI to improve competitiveness by expanding markets, especially for customer loyalty in the B2C segment, market education, and strengthening partnerships with local coffee farmers, while creating additional income opportunities for coffee farmers and supporting industry sustainability.
Historical Trace of The Spice Road as an Economic Center Indonesian Trade and Cultural Heritage Siregar, Aisyah Astinadia
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 17, No 4: October - December 2024
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v17i4.28632

Abstract

This research aims to explore the history of the Indonesian spice route as part of Indonesia's maritime cultural heritage and Indonesia's role in the spice trade route. The method used in this research is a descriptive qualitative approach with literature studies, utilizing various sources from books, journals and articles as well as ethnography and oral interviews. The results of the research show that the trade network connecting the eastern and western hemispheres of the world is known as the spice route and its impact. towards the development of local cultural identity of Indonesian society. The spice route not only refers to the trade and shipping route for spice products, but also as a cultural heritage whose traces can still be found, such as in culinary, art, medicine, clothing, traditions and even art. At that time, merchandise such as cinnamon, pepper, cloves, nutmeg, sandalwood, rice, cotton and others were traded. This route is a symbol that connects the maritime civilization of the archipelago which is Indonesia's national pride so that it can provide a new contribution to understanding the complexity of the interaction between economic factors and cultural heritage in shaping the historical landscape of the archipelago.
Implementation Of Profit Sharing System In Cattle Farming Business Reviewed From The Perspective Of Matter (Case Study Of Siarang-Arang Plantation Village) Nasution, Irsan Al Fadhil; Rahma, Tri Inda Fadhila; Muhaisin, Ahmad
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 17, No 4: October - December 2024
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v17i4.29062

Abstract

The profit sharing system is a cooperation agreement between the capital owner and the capital manager, where the profit is divided according to the agreement. In the Siarang-arang plantation village, the practice of mudharabah is still carried out verbally and based on trust without a written agreement, which has the potential to cause usury and gharar. Therefore, this study aims to analyze how the profit sharing system is applied by cattle farms and whether it is in accordance with Islamic principles. In this study using qualitative research with collection techniques in the form of observation and interviews. So the results of this study that the Siarang-arang plantation village has implemented a profit-sharing system with a mudharabah contract that is in accordance with the basic principles of Islamic sharia. This strengthens both between the actors of the contract and maintains harmony between the local community.

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