JURNAL RUMPUN MANAJEMEN DAN EKONOMI

PENGARUH MOTIVASI DAN LINGKUNGAN KERJA TERHADAP KINERJA PEGAWAI KONTRAK DI DIVISI PENGEMUDI BADAN SIBER DAN SANDI NEGARA (BSSN) DEPOK

Kikin Kikin — 2026-05-07

on employee performance, both partially and simultaneously. The method used is a quantitative approach by utilizing survey methods to collect data from the population or samples in the company. The sample uses saturated sampling, so all employees are sampled in this study. The analysis method in data processing is validity and reliability testing, classical assumption testing, simple linear regression, multiple linear regression, correlation coefficient testing, determination coefficient testing, hypothesis testing (f test and t test) using SPSS version 26. The results of this study indicate that the workload value t count (1.464 <1.664). This is also strengthened by the ρ value > Sig. 0.05 or (0.147 > 0.05). Thus, H0 is accepted, this indicates that there is no significant influence partially between workload and employee performance. The value of the physical work environment t count (6.419>1.664). This is strengthened by the ρ value < Sig. 0.05 or (0.00<0.05). Thus, H2 is accepted, this indicates that there is a partial significant influence between the physical work environment and employee performance. For the simultaneous test, F count = (74.206>2.33) is obtained, this is also strengthened by the ρ value <Sig. 0.05 or (0.00<0.05). This indicates that there is a simultaneous significant influence between workload and physical work environment on employee performance.

Keywords: Workload, physical work environment, employee perform

Pengaruh Variasi Produk Terhadap Keputusan Pembelian Pada Konsumen Gen Z di Kopi Kenangan Kota Solo

Shabilla Chaqqiafni — 2026-04-15

This study aims to analyze the effect of product variation on purchasing decisions among Generation Z consumers of Kopi Kenangan in Solo City. The research is motivated by the rapid growth of the modern coffee industry and the changing behavior of young consumers who tend to prefer innovative and diverse products. This study employs a quantitative approach with an associative research design. Data were collected through questionnaires distributed to 100 respondents using purposive sampling technique. The data were analyzed using simple linear regression with the assistance of SPSS software. The results indicate that product variation has a positive and significant effect on purchasing decisions, with a significance value of 0.000 < 0.05 and a coefficient of determination of 0.470. This means that product variation explains 47% of purchasing decisions, while the remaining is influenced by other variables outside the model. These findings suggest that greater product diversity increases consumers’ likelihood to make purchases. This study implies that businesses should continuously develop innovative product variations aligned with the preferences of Generation Z consumers.

Optimalisasi Bisnis Proses Letter of Credit pada Layanan Trade Finance Import Perbankan (Studi kasus PT Bank X)

Chintya Aurelia Fauziah — 2026-04-15

Letter of Credit (L/C) merupakan instrumen pembayaran utama dalam perdagangan internasional yang menjamin keamanan transaksi antara eksportir dan importir. Namun proses operasional L/C pada PT Bank X masih menghadapi berbagai kendala, terutama terkait aktivitas manual, beban kerja, kecepatan proses, serta risiko kesalahan dokumen. Penelitian ini bertujuan untuk menganalisis alur operasional L/C secara menyeluruh, mengidentifikasi faktor-faktor yang menyebabkan inefisiensi, serta merumuskan strategi optimalisasi melalui pendekatan Business Process Management (BPM) dan digitalisasi proses. Pendekatan penelitian menggunakan metode deskriptif kualitatif melalui keusioner mendalam, observasi langsung, serta analisis dokumentasi internal bank. Hasil penelitian menunjukkan adanya hambatan pada tahapan verifikasi dokumen, beban kerja, serta proses otorisasi yang masih dilakukan secara manual. Selain itu, penggunaan sistem yang tidak terintegrasi menyebabkan tingginya waktu tunggu dan risiko kesalahan. Melalui proses pemetaan dan analisis operasional, penelitian ini mengusulkan strategi digitalisasi seperti otomasi pemeriksaan dokumen, integrasi sistem lintas unit kerja, penerapan alur kerja otomatis, serta pemanfaatan OCR berbasis AI atau machine learning dan RPA untuk mengurangi kesalahan dan mempercepat turn around time (TAT). Implementasi strategi ini diharapkan meningkatkan efisiensi, akurasi, akurasi proses L/C, serta kepuasan nasabah, sekaligus memperkuat daya saing perbankan dalam layanan Trade Finance Import.

Analisis Persepsi Konsumen terhadap Merek, Kualitas Layanan dan Harga dalam Membangun Loyalitas Industri Jasa (Persepsi Pelanggan Maxim di Kota Pematangsiantar)

Edi Siregar — 2026-04-15

Penelitian ini bertujuan untuk menganalisis pengaruh persepsi konsumen terhadap merek, kualitas layanan, dan harga dalam membangun loyalitas pelanggan pada layanan transportasi online Maxim di Kota Pematangsiantar. Latar belakang penelitian ini adalah persaingan ketat antar penyedia jasa transportasi online yang menuntut perusahaan memahami faktor-faktor penentu loyalitas pelanggan. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner kepada 397 responden yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa variabel merek, kualitas layanan, dan harga berpengaruh positif dan signifikan terhadap loyalitas pelanggan, baik secara parsial maupun simultan. Di antara ketiga variabel tersebut, kualitas layanan memiliki pengaruh paling dominan terhadap loyalitas pelanggan. Hal ini ditunjukkan melalui hasil uji t dan uji F serta nilai Adjusted R Square sebesar 64,9%, yang berarti ketiga variabel tersebut menjelaskan loyalitas pelanggan sebesar 64,9%, sementara sisanya dipengaruhi oleh faktor lain di luar penelitian. Temuan ini menekankan pentingnya perusahaan untuk terus meningkatkan kualitas layanan, membangun citra merek yang positif, dan menawarkan harga yang kompetitif guna mempertahankan loyalitas konsumen.

Analisis Rasio Likuiditas, Solvabilitas Dan Profitabilitas Untuk Mengukur Kinerja Keuangan Pada Pt Hanjaya Mandala Sampoerna Tbk Periode 2014-2024

Andri Indrawan — 2026-04-15

Abstract. This study aims to analyze the financial performance of PT Hanjaya Mandala Sampoerna Tbk for the period 2014–2024, as measured by liquidity, solvency, and profitability ratios. The research employs a quantitative method with a descriptive approach. The data used are secondary data obtained from the company’s annual financial reports published by the Indonesia Stock Exchange (IDX). The data analysis technique used in this study is financial ratio analysis, which includes the current ratio, quick ratio, cash ratio, debt to equity ratio, debt to asset ratio, long-term debt to equity ratio, return on assets, return on equity, and net profit margin. The results show that, in terms of liquidity, the current ratio is 322.02%, the quick ratio is 153.57%, and the cash ratio is 70.06%. Based on the Decree of the Minister of Finance No. 740/KMK.00/1989, these results indicate that the company’s liquidity condition is very healthy. In terms of solvency, the debt to equity ratio is 62.32%, the debt to asset ratio is 35.73%, and the long-term debt to equity ratio is 7.18%, all of which indicate an unhealthy condition, as the values are below 100%. Meanwhile, from the profitability perspective, the return on assets is 21.26%, the return on equity is 32.71%, and the net profit margin is 10.31%, showing that the company’s profitability level is very healthy.

Keywords: Liquidity Ratio, Solvency Ratio, profitability ratio, Financial Performance

Pengaruh Brand Ambassador, Brand Image, dan Kualitas Produk terhadap Keputusan Pembelian Produk Moisturizer Glad2Glow

Intan Nur Alifah — 2026-04-16

Amid intensifying competition in the beauty sector, this study investigates how brand ambassador, brand image, and product quality relate to purchasing decisions for Glad2Glow moisturizer products. The research adopts a quantitative design implemented through a survey, where primary data were obtained via questionnaires administered to 100 respondents with prior experience using the product. Data processing was conducted using multiple linear regression with SPSS. The empirical results indicate that, on a partial basis, brand ambassador and brand image do not exert a significant influence on purchasing decisions, implying that consumers do not primarily rely on brand representation or perceived image when making purchase choices. Conversely, product quality demonstrates a positive and significant effect, reflecting that functional value and performance play a central role in meeting consumers’ skincare expectations. When considered simultaneously, the three variables account for 59.9% of the variation in purchasing decisions. These findings underscore the strategic importance of consistently maintaining product quality to enhance competitive positioning in the market. Furthermore, the study suggests that while marketing elements such as brand ambassador and brand image remain relevant, greater emphasis should be placed on product-oriented improvements to better align with consumer priorities.

PENGARUH INFLASI, NILAI TUKAR DAN SUKU BUNGA TERHADAP HARGA SAHAM PADA PERUSAHAAN SUB SEKTOR PERTAMBANGAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2020-2024

Jannah Andini — 2026-04-16

This study aims to analyze the effect of inflation, exchange rate, and interest rate on stock prices of mining sub-sector companies listed on the Indonesia Stock Exchange (IDX) during the 2020–2024 period. This research employs a quantitative approach with a purposive sampling technique and panel data analysis using E-Views 13, accompanied by classical assumption tests, hypothesis testing, and the coefficient of determination test. The sample consists of five mining sub-sector companies. The partial test (t-test) results show that inflation (X1) has no significant effect on stock prices (Y), with a probability value of 0.9051 > 0.05. Similarly, the exchange rate (X2) has no significant effect on stock prices (Y) with a probability value of 0.8767 > 0.05, and the interest rate (X3) also has no significant effect on stock prices (Y) with a probability value of 0.6511 > 0.05. The simultaneous test (F-test) also indicates an insignificant result with an F-probability value of 0.367572 (>0.05). The coefficient of determination (R²) value of 0.1368 indicates that only 13.68% of the variation in stock prices can be explained by the three variables, while 86.32% is influenced by other factors outside the model. It is concluded that stock price movements in the mining sector are more dominantly affected by external factors such as global commodity prices rather than domestic macroeconomic conditions.

ANALISIS PERBANDINGAN KINERJA KEUANGAN BERDASARKAN RASIO LIKUIDITAS, PROFITABILITAS, DAN SOLVABILITAS PADA PT BUMI SERPONG DAMAI TBK DAN PT SUMMARECON AGUNG TBK PERIODE 2015–2024

Nurjumratunnisa Nurjumratunnisa — 2026-04-16

This study aims to analyze the comparative financial performance of PT Bumi Serpong Damai Tbk and PT Summarecon Agung Tbk based on liquidity, profitability, and solvency ratios during the period 2015–2024. This research employs a quantitative comparative approach using secondary data in the form of audited annual financial statements. The analysis includes Current Ratio (CR), Return on Assets (ROA), and Debt to Asset Ratio (DAR), which are tested using normality, homogeneity, and Independent Sample t-test with the assistance of SPSS. The results indicate that there are significant differences in CR and DAR, while no significant difference is found in ROA. These findings suggest that both companies differ in liquidity management and capital structure, but have relatively similar capabilities in generating profits.

PENGARUH KUALITAS PRODUK JASA DAN KUALITAS PELAYANAN TERHADAP KEPUASAN PELANGGAN PADA BIMBEL JOYA DI KOMPLEK KAHURIPAN BOGOR

Octa Ayurika — 2026-04-17

Dalam persaingan bisnis yang semakin ketat, kepuasan pelanggan menjadi faktor krusial bagi keberhasilan perusahaan, terutama di industri jasa pendidikan seperti bimbingan belajar. Penelitian ini bertujuan untuk menganalisis pengaruh kualitas produk jasa dan kualitas pelayanan terhadap kepuasan pelanggan pada Bimbel Joya di Komplek Kahuripan Bogor Kualitas produk jasa, yang mencakup kurikulum, materi ajar, dan metode pengajaran, serta kualitas pelayanan, yang meliputi interaksi pengajar-siswa, responsivitas, dan fasilitas, diyakini memiliki peran signifikan dalam membentuk kepuasan pelanggan. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan explanatory survey. Populasi penelitian adalah konsumen Bimbel Joya di Komplek Kahuripan Bogor pada tahun 2023, berjumlah 615 konsumen. Sampel diambil menggunakan rumus Slovin dengan tingkat kesalahan 10%, menghasilkan 86 responden. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa kualitas produk jasa secara parsial berpengaruh signifikan terhadap kepuasan pelanggan, dibuktikan dengan nilai signifikansi 0,000 (< 0,05) dan nilai t-hitung 19,764 (> t-tabel 1,98896). Demikian pula, kualitas pelayanan secara parsial juga berpengaruh signifikan terhadap kepuasan pelanggan, dengan nilai signifikansi 0,000 (< 0,05) dan nilai t-hitung 30,378 (> t-tabel 1,98896). Lebih lanjut, kualitas produk jasa dan kualitas pelayanan secara simultan berpengaruh signifikan terhadap kepuasan pelanggan, ditunjukkan oleh nilai signifikansi 0,000 (< 0,05) dan nilai F-hitung 502,503 (> F-tabel 3,11). Temuan ini mengindikasikan bahwa peningkatan kualitas produk jasa dan pelayanan akan secara langsung berkontribusi pada peningkatan kepuasan pelanggan Bimbel Joya.

Pengaruh Promosi Dan Citra Sekolah Terhadap Keputusan Siswa Memilih Sekolah Pada Smks Islam Asy Syuhada Rumpin Bogor

Ahmad Arif — 2026-04-17

Keywords: Liquidity Ratio, Solvency Ratio, profitability ratio, Financial Performance

Pengaruh Kualitas Pelayanan Dan Harga Terhadap Kepuasan Konsumen Pada Rumiko Cafe Di Kabupaten Tangerang

Muhamad Alfarizi — 2026-04-17

Abstract. This study aims to determine the effect of Service Quality and Price on Customer Satisfaction at Rumiko Cafe in Tangerang Regency, both partially and simultaneously. The research method used is an associative quantitative method. The population in this study consists of Rumiko Cafe customers, with a total of 99 respondents selected using purposive sampling. Primary data were collected through questionnaires and processed using SPSS Version 25. The tests conducted include validity test, reliability test, classical assumption test, simple and multiple linear regression tests, correlation coefficient test, coefficient of determination test, and hypothesis tests (t-test and F-test). The results show that Service Quality and Price have a positive and significant effect on Customer Satisfaction, both partially and simultaneously. The multiple regression equation obtained is Y = 4.315 + 0.494X1 + 0.324X2. The correlation coefficient (r) value of 0.866 indicates a very strong relationship between the independent variables and the dependent variable. The coefficient of determination (R²) value of 0.751 indicates that 75.1% of the variation in Customer Satisfaction can be explained by Service Quality and Price, while the remaining 24.9% is influenced by other variables not included in this research model. Based on the simultaneous test, the calculated F value is greater than the table F value (144.482 > 3.09) with a significance value below 0.05, indicating that Service Quality and Price have a positive and significant simultaneous effect on Customer Satisfaction at Rumiko Cafe in Tangerang Regency.

Keywords: Service Quality; Price; Customer Satisfaction.

Pengaruh Disiplin Kerja dan Kemampuan Komunikasi terhadap Kinerja Karyawan Sushigo Mall Central Park Jakarta Barat

Jihadah Putri Hasanah — 2026-04-18

This study aims to analyze the effect of work discipline and communication skills on employee performance at Sushigo Mall Central Park, West Jakarta. The research used a quantitative associative approach with a saturated sample of 31 employees. Data were collected through questionnaires and analyzed using descriptive statistics, classical assumption tests, multiple linear regression, t-test, F-test, and coefficient of determination with SPSS. The results show that work discipline and communication skills have a positive and significant effect, both partially and simultaneously, on employee performance. These findings indicate that improving discipline and communication is essential to enhance employee performance.

Pengaruh Kualitas Produk Terhadap Keputusan Pembelian Batu Bata Merah di Wailiti Kecamatan Alok Barat

Helena Elviana — 2026-04-18

This research aims to determine the effect of product quality on purchasing decisions of red bricks in Wailiti, Alok Barat District. The population in this research are consumers of TONI PUTRA's red brick owned by Mr. Antonius Gebang located in the Wailiti sub-district, Alok Barat District. The sample in this research is 96 people. The technique used in this study is the Random Sampling Technique. This research uses descriptive method and quantitative approach. The results of this study indicate that the influence of the independent variable product quality has a positive and significant effect on purchasing decisions, which means that h1 is accepted and h0 is rejected. Based on the results of simple linear regression calculations, it is obtained Purchase Decision = 6.199 + 0.417 (Product Quality). Testing the hypothesis from the calculation of the t test results obtained t count> t table 9.641> 1.6601, which means that h0 is rejected and h1 is accepted. The results show that the coefficient of determination (R square) of the independent variable on the dependent variable is R2 = 0.497 or 49.7%.

GAYA KONSUMTIF DI KALANGAN MAHASISWA: FAKTOR PENYEBAB DAN DAMPAKNYA TERHADAP PENGELOLAAN KEUANGAN

Raisha Nur Azizah — 2026-04-18

Gaya hidup konsumtif di kalangan mahasiswamerupakan fenomena yang semakinmengkhawatirkan di era modern ini. Mahasiswaberada pada fase transisi yang rentan terhadappengaruh lingkungan sosial, media sosial, sertatekanan gaya hidup hedonis. Tujuan dari kajian iniadalah untuk mengetahui faktor-faktor yang memengaruhi perilaku konsumtif mahasiswa sertadampaknya terhadap kemampuan manajemenkeuangan mereka. Berdasarkan studi literaturmenunjukkan bahwa perilaku konsumtif mahasiswadipengaruhi oleh faktor internal seperti motivasipribadi, kontrol diri, dan gaya hidup hedonis, sertafaktor eksternal seperti pengaruh media sosial, teman sebaya, kemudahan platform belanja daring, dan uang saku. Dampak dari perilaku konsumtif iniadalah menurunnya kemampuan mahasiswa dalammengelola keuangan pribadi. Oleh karena itu, penting untuk meningkatkan literasi keuangan agar dapat mengambil keputusan konsumsi yang lebih bijak.

PERBANDINGAN RASIO LIKUIDITAS DAN SOLVABILITAS PADA PT. UNILEVER INDONESIA TBK DAN PT. KINO INDONESIA TBK PERIODE 2015-2024

Raras Dwiyanti — 2026-04-18

This study aims to analyze and compare the liquidity and solvency ratios of PT Unilever Indonesia Tbk and PT Kino Indonesia Tbk. The research employs a quantitative comparative approach using secondary data obtained from the companies’ financial statements for the period 2015–2024. The data analysis technique applied is financial ratio analysis, specifically the Current Ratio (CR) and Debt to Equity Ratio (DER). The results indicate that PT Kino Indonesia Tbk has a better level of liquidity compared to PT Unilever Indonesia Tbk, while PT Unilever Indonesia Tbk shows a higher level of solvency. This study is expected to serve as a reference for investors in evaluating the financial performance of companies. This study contributes to the literature by providing comparative financial analysis in the consumer goods sector in Indonesia.

ANALISIS KINERJA KEUANGAN BERDASARKAN RASIO LIKUIDITAS DAN RASIO PROFITABILITAS PADA PT SEMEN INDONESIA (PERSERO) TBK

Yeyen Sartika — 2026-04-24

This study aims to analyze the financial performance of PT Semen Indonesia (Persero) Tbk based on liquidity and profitability ratios during the period 2015–2024. This research was conducted to determine the company’s ability to meet short-term obligations and generate profits under fluctuating economic conditions. The method used in this study is a descriptive method with a quantitative approach. The data used are secondary data obtained from the company’s annual financial statements through documentation and literature study. The data analysis technique used is descriptive analysis through financial ratios, including Current Ratio (CR) and Quick Ratio (QR) for liquidity, as well as Return on Assets (ROA) and Return on Equity (ROE) for profitability. The results show that the company’s liquidity condition, as measured by CR, is generally in a good category because it is above the standard, although it fluctuates over time. However, the QR indicates that in several periods the company’s ability to meet short-term obligations without relying on inventory is still less optimal. Meanwhile, profitability ratios (ROA and ROE) show a declining trend during the observation period, indicating a decrease in the company’s effectiveness in generating profits from its assets and equity.

Pengaruh Lingkungan Kerja, Disiplin Kerja, Motivasi Kerja Terhadap Kepuasan Kerja Guru (Studi pada Guru SMK di Kecamatan Pondok Aren)

Muhammad Fadli Sodik Ali — 2026-04-20

This study aims to examine the effect of the work environment, work discipline, and work motivation on teachers’ job satisfaction. The population of this study consists of vocational high school teachers in Pondok Aren District, with a sample of 78 teachers. Data were collected using a questionnaire with a Likert scale and analyzed using Microsoft Excel and SmartPLS version 4.1.1.6. The sampling technique applied in this study was non-probability sampling with a purposive sampling approach. The results of this study indicate that the work environment has a significant effect on teachers’ job satisfaction. Meanwhile, work discipline does not have a significant effect on teachers’ job satisfaction. Likewise, work motivation does not have a significant effect on teachers’ job satisfaction.

Pengaruh Pelatihan, Disiplin Kerja, dan Kompensasi Terhadap Kepuasan Kerja (Studi Pada Pegawai Kelurahan Sukabumi Selatan)

Ilham Saputra — 2026-04-20

The purpose of this study aims to investigate the effect of Training, Work Discipline, and Compensation on Job Satisfaction at the South Sukabumi Village Office. Using a Likert scale questionnaire, the study involved a sample of 62 respondents with the Non-Probability Sampling method and saturated sample technique. The results of multiple linear regression analysis in SPSS v.26 showed that Training had no effect while Work Discipline and Compensation had a significant effect on Job Satisfaction. These findings provide insight for management in managing Training as well as to improve supportive Work Discipline and Compensation conditions, with practical implications for improving employee/staff Job Satisfaction, organizational effectiveness, and recommendations for further research in this area.

ANALISIS KINERJA KEUANGAN PADA INDUSTRI PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2020-2024

Putri Lutfiyatul Khasanah — 2026-04-20

This study aims to analyze the influence of financial ratios on the financial performance of banking institutions listed on the Indonesia Stock Exchange (IDX) during 2020–2024. The research is based on the crucial role of banking financial performance in maintaining national financial stability, especially during the post-pandemic recovery period. A descriptive quantitative approach with an associative analysis method was employed to examine the relationships among variables using numerical data from banking financial ratios. Multiple linear regression analysis was applied to five independent variables Current Ratio (CR), Operating Expenses to Operating Income (BOPO), Profit margin (PM), Return on Equity (ROE), and Debt to Asset Ratio (DAR) with Return on Assets (ROA) as the dependent variable. The findings show that BOPO has a significant negative effect on ROA, while PM, ROE, and DAR have significant positive effects, and CR shows no significant effect. These results indicate that operational efficiency, profitability, and leverage are the dominant factors influencing banking financial performance. Future researchers are encouraged to include variables such as Non-Performing Loan (NPL), Net Interest Margin (NIM), Capital Adequacy Ratio (CAR), and bank size, as well as adopt panel regression or SEM methods for more comprehensive and in-depth results.

Pengaruh Jumlah Uang Beredar dan Suku Bunga terhadap Indeks Harga Saham Gabungan di Indonesia

Monika Caramoy Sitorus — 2026-04-21

This study aims to analyze the effect of money supply and interest rates on the Composite Stock Price Index (IHSG) in Indonesia during the period 2005–2025. The capital market plays a strategic role in the economy as a means of investment and capital accumulation, making the IHSG a key indicator of a country’s economic condition. The variables in this study consist of money supply (M2) and interest rates as independent variables, and the IHSG as the dependent variable. This study employs a quantitative approach using multiple linear regression analysis with EViews 12 software.The partial results indicate that money supply has a positive and significant effect on the IHSG, with a t-statistic value of 8.7332 and a probability value of 0.0000 < 0.05. Meanwhile, interest rates have a negative but not significant effect on the IHSG, with a t-statistic value of 1.156 and a probability value of 0.2628 > 0.05. Simultaneously, money supply and interest rates have a significant effect on the IHSG, as indicated by an F-statistic value of 120.1064 > F-table 3.55 and a probability value of 0.0000 < 0.05. The coefficient of determination (R²) is 0.9302, indicating that 93.02% of the variation in the IHSG can be explained by these two variables, while the remaining is influenced by other factors outside the model.These findings indicate that money supply has a more dominant influence than interest rates in affecting the movement of the IHSG in Indonesia. Therefore, monetary policy that maintains liquidity stability is crucial in supporting investment growth in the capital market.

Pengaruh Positive Psychological Capital dan Growth Mindset Terhadap Individual Wellbeing dan Educational Consumption Expenditure Patterns Keluarga Petani di Kepulauan Selayar

Dilla Febriana — 2026-04-21

This study aims to examine the influence of positive psychological capital and growth mindset on individual well-being and educational consumption expenditure patterns in farming households in Selayar Islands Regency, both through direct and indirect influences. This study used a quantitative approach with a causal-associative design. The study population included farmers in Bontomanai, Benteng, and Buki Districts, with the sample determined through purposive sampling technique based on the criteria of farming households with school-age children. Data collection was conducted using a five-point Likert-scale questionnaire, while data analysis was conducted using the Structural Equation Modeling (SEM) method. The results showed that positive psychological capital and growth mindset had a positive and significant effect on individual well-being and household educational consumption expenditure patterns. In addition, individual well-being was proven to have a significant effect on educational consumption expenditure patterns and acted as a mediating variable in the relationship between positive psychological capital and growth mindset and educational consumption expenditure patterns. These findings confirm that strengthening the psychological aspects of farming families plays a crucial role in improving individual well-being and supporting the sustainability of educational investment amidst economic constraints.

Evaluasi Peran Perbankan Syariah terhadap Ketahanan Ekonomi Global Pasca Krisis Finansial

Nona Azzahra Nasution — 2026-04-21

This study aims to evaluate the role of Islamic banking in strengthening global economic resilience after the financial crisis. The study emphasizes how the principles of risk-sharing, prohibition of speculative activities (gharar), and avoidance of interest (riba) in Islamic finance provide stability compared to the conventional interest-based system. The research adopts a qualitative approach through literature review and comparative analysis of financial data from international institutions such as the IMF and the Islamic Development Bank (IsDB). The findings reveal that Islamic banking contributes to reducing systemic risk by promoting asset-backed financing and ethical investment principles. Post-crisis recovery in several Muslim-majority countries shows that Sharia-based financial institutions maintain better liquidity and solvency ratios. The study concludes that the integration of Sharia-compliant mechanisms can serve as an alternative model for sustainable and crisis-resilient global finance.

Pengaruh Kualitas Pelayanan Dan Lokasi Terhadap Kepuasan Pelanggan Pada Starbucks Supermall Karawaci

Heri Mardiyanto — 2026-04-22

Abstract. This study aims to determine the effect of Service Quality (X1) and Location (X2) on Customer Satisfaction (Y) at Starbucks Supermall Karawaci. The method used is quantitative. The sampling technique uses the Slovin formula and obtained a sample of 100 respondents. The data analysis methods used are validity test, reliability test, classical assumption test, regression test, correlation coefficient test, determination coefficient test and hypothesis test. The results of this study indicate that Service Quality has a significant effect on Customer Satisfaction with the hypothesis test obtained a tcount value > ttable, namely (5.313 > 1.984) thus the hypothesis is accepted. Location has a significant positive effect on Customer Satisfaction with the hypothesis test obtained a tcount value > ttable, namely (2.381> 1.984) thus the hypothesis is accepted. Service Quality and Location have a significant positive effect simultaneously on Customer Satisfaction with the hypothesis test obtained a calculated F value > F table, namely (409,568 > 3,090) thus the hypothesis is accepted meaning there is a significant influence between Service Quality and Location on Customer Satisfaction at Starbucks Supermall Karawaci.

Keywords: Service Quality, Location, Costumer Satisfaction

PENGARUH PERSEPSI HARGA DAN GAYA HIDUP TERHADAP MINAT BELI KONSUMEN VESPA PIAGGIO MATIC (Studi Pada Komunitas Modern Vespa di Kota Malang)

Raihan Habib Husni — 2026-04-22

Minat beli merupakan perilaku yang timbul sebagai respon terhadap objek yang menunjukkan harapan konsumen untuk melakukan pembelian. Adanya perubahan gaya hidup terhadap kendaraan bermotor roda dua menyebabkan meningkatnya minat beli scooter matic di Indonesia. Vespa Piaggio matic merupakan salah satu trend center scooter matic di Indonesia meskipun harga jual yang dibanderol cukup tinggi. Tujuan penelitian ini untuk menguji dan menganalisis pengaruh persepsi harga dan gaya hidup terhadap minat beli konsumen Vespa Piaggio Matic di Kota Malang. Penelitian ini merupakan penelitian analisis deskriptif dengan menggunakan kuesioner dengan hasil uji validitas <0.05. Diperoleh 82 responden dari komunitas Modern Vespa Malang. Analisis data secara deskriptif dan analitik dilakukan menggunakan uji Spearman dan regresi linier berganda. Nilai signifikansi dari hasil analisis variable persepsi harga adalah 0.000 (p<0.05) dan gaya hidup 0.000 (p<0.05) terhadap minat beli. Model prediksi nilai yang diperoleh adalah Y=-0,048 + 0,856 (persepsi harga) + 0,184 (gaya hidup). Koefisien determinasi pada penelitian ini yaitu 0,959 atau 95,9%. Hal ini menunjukkan bahwa pengaruh persepsi harga dan gaya hidup terhadap minat beli yaitu sebesar 95,9% sedangkan sisanya 4,1% dipengaruhi oleh variabel lain yang tidak diteliti dalam penelitian ini. Dapat disimpulkan bahwa terdapat pengaruh antara persepsi harga dan gaya hidup terhadap minat beli konsumen Vespa Piaggio Matic di Kota Malang. Oleh karena itu, disarankan melakukan studi mendalam untuk memahami bagaimana konsumen di Kota Malang mempersepsikan harga Vespa matic. Mencakup pengumpulan data tentang harga yang dianggap wajar oleh konsumen, perbandingan harga dengan pesaing, dan kesesuaian harga dengan kualitas dan manfaat.

PENGARUH BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL (BOPO) DAN NET PROFIT MARGIN (NPM) TERHADAP PERTUMBUHAN LABA PADA BANK NTB SYARIAH

Priska Priska — 2026-04-24

This study aims to analyze the effect of Operating Expenses on Operating Income (BOPO) and Net Profit Margin (NPM) on Profit Growth at Bank NTB Syariah. The research method used is quantitative with an associative approach. Data were obtained from Bank NTB Syariah's annual financial reports for specific periods. The data analysis technique used was linear multiple regression using SPSS software. The results are expected to demonstrate the extent to which operational efficiency and profitability partially or simultaneously influence bank profit growth. The impact of this research provides input for bank management in managing operating expenses and increasing net profit margins to achieve sustainable profit growth.

PENGARUH MOTIVASI KERJA DAN DISIPLIN KERJA TERHADAP KINERJA KARYAWAN PT MITRA KOLEKSI MANDIRI TANGERANG BANTEN

Yuni Kartika — 2026-04-24

This study aims to determine the Effect of Work Motivation and Work Discipline on Employee Performance at PT Mitra Koleksi Mandiri Tangerang Banten both partially and simultaneously. This type of research uses quantitative methods. The sampling technique uses saturated samples of 83 respondents. Data analysis techniques use data instrument tests, classical assumption tests, regression analysis, correlation coefficients, determination coefficients, and hypothesis tests. The results of the analysis show: Work motivation partially has a significant effect on employee performance with a simple linear regression equation Y = 4.171 + 0.868X1. The correlation coefficient value of 0.900 and the determination coefficient of 81% means it has a very strong level of relationship. This is proven by the hypothesis test obtained t count> t table (18.572> 1.990) and strengthened by a significant value <0.05 (000<0.05). Work discipline partially has a significant effect on employee performance with a simple linear regression equation Y = 1.832 + 0.927X2. The correlation coefficient value of 0.943 and the determination coefficient of 88.8% means that it has a very strong level of relationship. This is proven by the hypothesis test which obtained tcount > ttable (25.390 > 1.990) and is strengthened by a significant value of <0.05 (000 <0.05). The results of the study showed that work motivation and work discipline simultaneously had a significant effect on employee performance with a multiple regression equation of Y = 1,486 + 0.181X1 + 0.756X2. The correlation value of 0.945 and the coefficient of determination of 89.1% means that employee performance is influenced by work motivation and work discipline 89.1% while the remaining 10.9% is influenced by other factors. This is proven by the hypothesis test obtained F count value > F table (335.184 > 3.11) and is strengthened by a significant value <0.05 (000 <0.05). Thus, it is proven that H0 is rejected and Ha is accepted.

PENGARUH INFLUENCER MARKETING DAN CONTENT MARKETING TERHADAP MINAT BELI KONSUMEN PADA PRODUK PROPERTY DI PERUMAHAN PANORAMA SEPATAN 1 KABUPATEN TANGERANG

Sri Utami Faridah — 2026-04-24

. The purpose of this study is to determine the effect of influencer marketing and content marketing on consumer purchasing interest both partially and simultaneously. This study uses a quantitative method. The population in this study was 592 buyers in 2023-2024. Sampling was taken using random sampling techniques or probability sampling with the Slovin theory method so that a sample of 86 respondents was obtained. The sample data collection techniques used were observation and questionnaires. Data analysis techniques used were descriptive analysis and quantitative analysis, multiple linear regression techniques, correlation coefficient analysis, determination coefficient, and hypothesis. The results of the study obtained partially (t-test) concluded that influencer marketing had a positive and significant effect on consumer purchasing interest with a calculated t value > t table or (1.994 > 1.988) and a ρ value < Sig. 0.050 or (0.000 < 0.050). Content marketing has a positive and significant effect on consumer purchase intention, with a calculated t-value > t-table (2.871 > 1.988) and a ρ value < Sig. 0.050 (0.000 < 0.050). Simultaneously (F-test), the influencer marketing and content marketing variables have a positive and significant effect on consumer purchase intention, with a calculated F-value > F-table (11.260 > 3.106) and a ρ value < Sig. 0.050 (0.000 < 0.050).

Keywords: Influencer Marketing, Content Marketing, and Consumer Purchase Intention

PENGARUH MOTIVASI KERJA DAN PELATIHAN KERJA TERHADAP KINERJA KARYAWAN PADA PT PERTAMINA PATRA NIAGA KANTOR REGIONAL JAWA BAGIAN BARAT DI JAKARTA PUSAT

Syakirah Kautsari Denty — 2026-04-25

This study aims to analyze the influence of work motivation and job training on employee performance at PT Pertamina Patra Niaga, West Java Region Office. Using a quantitative associative method with 68 respondents and multiple linear regression analysis, the results show that work motivation has a significant effect on employee performance, indicated by a t-value of 7.376, while job training also has a significant effect with a t-value of 3.556, both exceeding the t-table value of 1.997. Simultaneously, work motivation and job training significantly affect employee performance, as demonstrated by an F-value of 31.263 > F-table 3.14 with a significance level of 0.000. The R Square value of 0.490 indicates that both variables contribute 49% to employee performance, while the remaining 51% is influenced by other factors outside this study. These findings emphasize the importance of strong work motivation and well-targeted training programs in improving employee performance at PT Pertamina Patra Niaga, West Java Region Office.

Keywords: Work Motivation, Job Training, Employee Performance.

“PERUMUSAN STRATEGI ORGANISASI KLINIK KECANTIKAN BELLAGREEN SKINCARE KOTA TANGERANG MELALUI PENDEKATAN ANALISIS SWOT”

Herlina Septiani — 2026-04-25

Abstract This study aims to explore and analyze the marketing management implemented by the Bellagreen Skincare beauty clinic to increase customer attraction and retention. Amidst increasingly fierce competition in the beauty industry, it is crucial for clinics to understand effective marketing strategies and how customers respond to them. This study employed a qualitative method, employing in-depth interviews with owners, managers, and customers of the Bellagreen Skincare clinic in Tangerang. The results are expected to provide in-depth insights into successful marketing strategies and the challenges clinics face in meeting customer needs and expectations. These findings will contribute to the development of better marketing management practices and effective branding strategies in the beauty industry. Therefore, this research is expected to assist Bellagreen Skincare clinics in designing and implementing more targeted marketing strategies to enhance customer loyalty and overall business performance.

Keywords : strategic marketing management, marketing strategy effectiveness, customer loyalty, customer retention, beauty services industry, qualitative approach.

Analisis Tingkat Ketergantungan Mahasiswa terhadap Penggunaan Pembayaran Digital dalam Transaksi Harian

Devita Mutiara Putri — 2026-04-25

This study aims to analyze the level of student dependency on digital payment usage in daily transactions. The rapid development of financial technology has significantly transformed payment systems, especially among university students as digital natives. This research applies a quantitative approach using a survey method with 52 student respondents. Data were collected through a Likert-scale questionnaire and analyzed using descriptive statistics. The results show that students demonstrate a high level of usage of digital payments, mainly influenced by convenience, speed, and accessibility. However, psychological dependency is categorized as moderate. These findings indicate that although digital payment usage is high, dependency is not yet critical. Therefore, improving financial literacy is essential to ensure responsible usage.

PENGARUH EARNING PER SHARE DAN KEBIJAKAN DIVIDEN TERHADAP HARGA SAHAM PADA PT HANJAYA MANDALA SAMPOERNA TBK PERIODE 2014 - 2023

Ferdyan Dwy Mustofa — 2026-04-25

This study aims to determine the effect of Earning per Share (EPS) and Dividend Policy on the stock price of PT Hanjaya Mandala Sampoerna Tbk for the 2014–2023 period. This research employs a quantitative approach using secondary data obtained from the company’s financial statements over a ten-year period of observation. The population in this study consists of all company financial reports, while the sample was selected using a purposive sampling technique. Data analysis was carried out using descriptive statistical analysis, classical assumption tests, multiple linear regression analysis, coefficient of determination, and hypothesis testing (t-test and F-test) with the assistance of SPSS version 25 software. The results show that partially, EPS has no significant effect on stock price, as indicated by a significance value of 0.387 > 0.05 and a t-value of 0.922 < t-table value of 2.36462. Dividend Policy also has no significant effect on stock price with a significance value of 0.353 > 0.05 and a t-value of -0.994 < t-table value of 2.36462. Simultaneously, EPS and Dividend Policy do not have a significant effect on stock price, as shown by an F-value of 0.848 < F-table value of 4.74 and a significance value of 0.468 > 0.05. Therefore, it can be concluded that both partially and simultaneously, EPS and Dividend Policy do not have a significant effect on the stock price of PT Hanjaya Mandala Sampoerna Tbk during the research period.

Pengaruh Kompetensi, Pelatihan dan Pengembangan SDM terhadap Kinerja Pegawai (Studi Kasus Pada Pegawai SMKN 3 Jombang)

Mufidatul A'yun — 2026-04-25

The purpose of this study is to examine how employee performance at SMKN 3 Jombang is affected by competency, training, and human resource development (HRD). To investigate the connections between the variables, the study uses a quantitative method using an associative approach. Of the 161 employees in the study population, 113 were chosen as the sample. The findings indicate that competency, training, and HR development have a positive and significant effect on employee performance, both partially as shown through the t-test and simultaneously through the F-test. These results suggest that improving the quality of human resources through strengthening knowledge, understanding, technical skills, and hands-on training supports the optimization of work quantity, work quality, and employee collaboration in carrying out educational duties. The study recommends that SMKN 3 Jombang implement an integrated HR development system based on needs analysis, focusing on enhancing digital competencies, fostering adaptive personality traits, and creating a motivating work environment to ensure sustainable performance improvement.

ANALISIS KINERJA KEUANGAN PT ASTRA OTOPARTS TBK PERIODE 2014–2023 BERDASARKAN RASIO LIKUIDITAS, SOLVABILITAS, DAN PROFITABILITAS

Hidayatul Mustafida — 2026-04-27

This study aims to analyze the financial performance of PT Astra Otoparts Tbk during the period 2014–2023 using financial ratio analysis, including liquidity, solvency, and profitability ratios. This research employs a descriptive method with a quantitative approach. The data used in this study are secondary data obtained from the company’s annual financial reports published officially.The results indicate that the company’s liquidity ratio is generally in good condition, although it experienced a decline in 2020 due to the impact of the COVID-19 pandemic. The solvency ratio shows a relatively stable trend, with an increase in debt ratio during the pandemic period, followed by improvement in the subsequent years. Meanwhile, profitability ratios tend to fluctuate, with a significant decrease in 2020 and gradual recovery during 2021–2023.These findings suggest that PT Astra Otoparts Tbk has the ability to maintain its financial stability despite external economic pressures. The company demonstrates resilience by improving its financial performance after experiencing a downturn during the pandemic. This study contributes to financial management literature by providing a comprehensive analysis over a long-term period, including pre-pandemic, pandemic, and post-pandemic conditions.

Analisis Komparatif Kinerja Keuangan Berbasis Rasio Keuangan Pada PT Gudang Garam Tbk dan PT HM Sampoerna Tbk Periode 2015 - 2024

Satrya Yudha Saputra — 2026-04-27

This research analyzes the comparative financial performance of PT Gudang Garam Tbk and PT HM Sampoerna Tbk for 2015-2024 through eight key ratios (current ratio, quick ratio, debt to asset ratio, debt to equity ratio, inventory turnover, total asset turnover, return on asset, return on equity) using quantitative approach with secondary annual financial statement data tested via independent samples T-test for normal data and Mann-Whitney U test for non-normal data at α=0.05. Results indicate five of eight ratios show significant differences (p<0.05) with Sampoerna outperforming on quick ratio (t=-5.679; p=0.000), inventory turnover (t=-12.216; p=0.000), total asset turnover (t=-11.569; p=0.000), return on asset (U=4.000; p=0.001), and return on equity (t=-6.227; p=0.000), while current ratio (U=39.000; p=0.405), debt to asset ratio (t=0.023; p=0.982), and debt to equity ratio (t=-0.407; p=0.689) exhibit no significant differences, reflecting similar conservative capital structures in tobacco industry. The study concludes Sampoerna's superiority derives from superior short-term liquidity, operational efficiency, and asset-equity profitability, recommending Gudang Garam optimize supply chain, Sampoerna innovate low-tar products, and OJK-Ministry of Finance enhance industry efficiency oversight.

PENGARUH SOSIAL MEDIA DAN ONLINE REVIEWS TERHADAP KEPERCAYAAN PELANGGAN DI KLINIK SAMARA BEAUTY CARE KECAMATAN PINANG

Delia Putri Isnaini — 2026-04-28

Abstract. The purpose of this study is to examine the effect of social media and online reviews on customer trust at Samara Beauty Care Clinic, both partially and simultaneously. This study employs a quantitative method with an associative approach. Data were collected through questionnaires distributed to customers of Samara Beauty Care Clinic and analyzed using SPSS. The results of simple linear regression analysis indicate that social media has a positive effect on customer trust with the regression equation , while online reviews also have a positive effect with the regression equation . The t-test results show that social media has a significance value of 0.003 and online reviews have a significance value of 0.000, indicating that both independent variables have a significant partial effect on customer trust. Furthermore, the multiple linear regression analysis produces the regression equation . The simultaneous test (F-test) shows a significance value of 0.000, which is less than 0.05, indicating that social media and online reviews simultaneously have a significant effect on customer trust. The coefficient of determination test shows an R Square value of 84.1%, meaning that social media and online reviews explain 84.1% of the variation in customer trust, while the remaining 15.9% is influenced by other factors outside this study. The results of this study are expected to serve as a reference for management in developing effective digital marketing strategies to enhance customer trust.

Keywords: social media, online reviews, customer trust, Samara Beauty Care

PENGARUH DISIPLIN KERJA DAN LINGKUNGAN KERJA FISIK TERHADAP KINERJA KARYAWAN PADA PT MENTARI BOOKS STORE BRANCH MERUYA UTARA JAKARTA BARAT

Oky Suwardi — 2025-04-29

Employee performance is an important factor for organizations that seek to maintain service quality and operational effectiveness. This study aims to analyze the effect of work discipline and physical work environment on employee performance at PT Mentari Books Store Branch Meruya Utara, West Jakarta. The research used a quantitative associative approach with saturated sampling involving 70 employees. Data were collected using a Likert-scale questionnaire and analyzed using SPSS 27 through validity, reliability, classical assumption, simple regression, multiple regression, correlation, determination, t-test, and F-test procedures. The findings indicate that work discipline has a strong and significant relationship with employee performance, while the physical work environment also contributes positively to employee performance. Simultaneously, work discipline and physical work environment explain 81.7% of the variation in employee performance, indicating a strong combined effect. The results imply that improving punctuality, rule compliance, workplace facilities, and physical comfort can strengthen employee performance and support human resource management practices in retail-based educational service companies.

Riba dalam Pusaran Zaman: Tinjauan Fikih, Ushul Fikih, dan Relevansi Moderasi Beragama

Khalilur Rahmann — 2026-04-30

Penelitian ini membahas tentang riba dalam perspektif fikih dan moderasi beragama. Riba secara etimologis berarti tambahan, perkembangan, pembesaran, dan peningkatan, sedangkan secara terminologis merupakan tambahan yang disyaratkan dalam transaksi utang-piutang tanpa kegiatan bisnis riil yang menimbulkan eksploitasi. Penelitian ini menggunakan metode studi kepustakaan ( library study ) dengan pendekatan kualitatif. Sumber data primer meliputi ayat-ayat Al-Qur'an dan hadis, sedangkan sumber sekunder terdiri dari kitab fikih, jurnal ilmiah, dan literatur moderasi beragama. Hasil penelitian menunjukkan bahwa riba diklasifikasikan menjadi riba al-fadl dan riba al-nasi'ah, yang keduanya diharamkan berdasarkan QS. Al-Baqarah: 275-281. Fikih muamalah menawarkan alternatif transaksi bebas riba seperti murabahah, mudharabah, musyarakah, dan ijarah. Moderasi beragama memberikan pendekatan yang seimbang dalam memahami larangan riba dengan mempertimbangkan aspek kemaslahatan dan konteks ekonomi modern tanpa meninggalkan prinsip syariah. Penelitian ini menyimpulkan bahwa larangan riba bersifat mendasar dalam Islam, namun pemahamannya perlu dikontekstualisasikan secara moderat untuk menjawab tantangan ekonomi kontemporer.

ANALISIS STRATEGI PEMASARAN DIGITAL TERHADAP KEPUTUSAN PEMBELIAN JAMUR TIRAM PADA USAHA TANI TIRAM MANDIRI GARUT

Teguh Rizki Ramdhani — 2026-04-30

Penelitian ini bertujuan untuk meneliti implementasi pemasaran digital, penyampaian informasi produk melalui platform digital, serta mekanisme pengambilan keputusan pembelian oleh konsumen pada Usaha Tani Tiram Mandiri di Garut. Penelitian ini menerapkan pendekatan kualitatif dengan metode deskriptif. Teknik pengumpulan data dilakukan melalui observasi, wawancara mendalam bersama pemilik usaha, konsumen, serta wakil dari Dinas Pertanian Kabupaten Garut, dan dokumentasi. Hasil penelitian menunjukkan bahwa pemasaran digital telah diimplementasikan melalui media sosial dan aplikasi perpesanan instan sebagai sarana promosi dan interaksi dengan konsumen, meskipun pengelolaannya masih bersifat sederhana dan belum terstruktur secara sistematis. Informasi produk yang disampaikan melalui media digital berperan sebagai gambaran awal bagi konsumen, namun belum mencakup secara menyeluruh sehingga konsumen cenderung melanjutkan komunikasi untuk mendapatkan klarifikasi terkait kualitas produk, harga, ketersediaan, serta perkiraan waktu pengiriman. Proses pengambilan keputusan pembelian oleh konsumen tidak berlangsung secara langsung, melainkan melalui tahapan pencarian dan evaluasi informasi sebelum keputusan akhir ditetapkan. Penelitian ini menyimpulkan bahwa pemasaran digital, kelengkapan informasi produk, dan efektivitas komunikasi saling terkait dalam memengaruhi keputusan pembelian konsumen.

Analisis Perbandingan Kinerja Keuangan Bank Syariah Indonesia dan BCA Syariah Menggunakan Metode Sharia Conformity and Profitability (SCNP) Tahun 2022-2024

M. Yusuf Daniel Siregar — 2026-05-02

Penelitian ini bertujuan untuk menganalisis dan membandingkan kinerja keuangan Bank Syariah Indonesia (BSI) dan BCA Syariah dengan menggunakan metode Sharia Conformity and Profitability (SCnP) selama periode 2022–2024. Latar belakang penelitian ini didasarkan pada pentingnya pengukuran kinerja bank syariah yang tidak hanya menilai aspek profitabilitas, tetapi juga tingkat kepatuhan terhadap prinsip syariah. Metode penelitian yang digunakan adalah deskriptif kuantitatif dengan memanfaatkan data sekunder berupa laporan keuangan tahunan kedua bank. Analisis dilakukan melalui pengukuran rasio sharia conformity (Islamic Investment Ratio, Islamic Income Ratio, dan Profit Sharing Ratio) serta rasio profitabilitas (ROA, ROE, dan NPM). Hasil penelitian menunjukkan bahwa BSI memiliki tingkat profitabilitas yang lebih tinggi dibandingkan BCA Syariah, ditunjukkan oleh peningkatan konsisten pada rasio ROA, ROE, dan NPM. Namun, BCA Syariah menunjukkan tingkat kepatuhan syariah yang lebih baik dibandingkan BSI. Berdasarkan analisis SCnP, BSI secara konsisten berada pada kuadran Lower Right Quadrant (LRQ), yang mencerminkan profitabilitas tinggi namun kepatuhan syariah relatif lebih rendah. Sebaliknya, BCA Syariah berada pada kuadran Upper Left Quadrant (ULQ), yang menunjukkan kepatuhan syariah tinggi tetapi profitabilitas lebih rendah. Temuan ini mengindikasikan adanya trade-off antara pencapaian profitabilitas dan kepatuhan syariah dalam operasional perbankan syariah. Implikasi penelitian ini diharapkan dapat menjadi referensi bagi manajemen bank dan regulator dalam meningkatkan keseimbangan antara kinerja finansial dan prinsip syariah.

Evaluasi Kebijakan Ekonomi melalui Pendekatan Ekonometrika

Dwikhana Angelica — 2026-05-02

Economic policies are often designed with the expectation of improving macroeconomic stability and public welfare. However, without empirical evaluation, it is difficult to determine whether such policies achieve their intended outcomes. This study aims to examine how econometric approaches can be used to evaluate the effectiveness of economic policies in a more measurable and objective manner. The research adopts a quantitative approach using secondary data derived from official economic statistics. The analysis applies econometric models, particularly panel data regression and causal inference techniques, to assess the impact of selected policies on key economic indicators such as growth, inflation, and unemployment. The findings suggest that econometric methods provide a systematic framework to identify the magnitude and direction of policy impacts, while also revealing potential biases and limitations in policy implementation. Furthermore, the results highlight that not all policies produce uniform effects across regions and time, emphasizing the importance of context in economic decision-making. The study implies that policymakers should rely more on data-driven evaluation to improve policy design and effectiveness. By integrating econometric analysis into policy assessment, governments can enhance accountability and ensure that economic interventions are aligned with real-world conditions.

PENGARUH KUALITAS PELAYANAN DAN PROMOSI TERHADAP KEPUASAN PELANGGAN PADA KEDAI MIE AYAM & BAKSO WONOGIRI MAS WANTO DI TANGERANG SELATAN

Widya Febry Nurika — 2026-05-04

The purpose of the study was to determine the effect of service quality and promotion on customer satisfaction at Mie Ayam Bakso Wonogiri Mas Wanto in South Tangerang. The type of research is associative, with a quantitative approach. As for. The population is customers in 2023 as many as 6,046 people, sampling can use the slovin formula, so the sample is 98 customers. Data analysis using validity tests, reliability tests, classical assumption tests, regression analysis, correlation coefficient analysis, determination coefficient analysis and hypothesis testing, The results of the study show that service quality (X1) and promotion (X2) have a positive and significant effect on customer satisfaction (Y) with the regression equation y = 13.444 + 0.380x1 + 0.378x2. the correlation coefficient value of 0.784 means that it has a very strong relationship, the determination coefficient is 0.614 or 61.4% while the remaining 38.6%. influenced by other factors not examined in this study. Partial hypothesis test obtained positive service quality value t count> t table or (5.333> 1.985) then Hο is rejected and H1 is accepted, this indicates that there is a significant influence between service quality and customer satisfaction. Partial hypothesis test obtained promotion positive value t count> t table or (6.828> 1.985) then Hο is rejected and H2 is accepted, this indicates that there is a significant influence between promotion and customer satisfaction. The results of the F hypothesis test obtained F count> F table or (75.668> 2.70). This is also reinforced by a significance value of 0.000 <0.05. Thus it can be concluded that service quality and promotion together or simultaneously have a positive and significant effect on customer satisfaction.

Keywords: Service Quality, Promotion, Customer Satisfaction

Penerapan Manajemen Sumber Daya Manusia Berbasis Syariah Dalam Meningkatkan Kinerja Karyawan

Elsa Amanda Aulia Putri — 2026-05-04

This study aims to examine the implementation of Sharia-based human resource management (HRM) in an effort to improve employee performance. This research is motivated by the importance of human resource management that emphasizes not only productivity but also moral and spiritual values derived from Islamic teachings. The method used in this study is a qualitative approach through literature review, examining various concepts of Sharia-based HRM, including the recruitment, selection, employment agreements, and performance evaluation processes. The results indicate that the implementation of Sharia-based HRM can improve employee quality by integrating the values of honesty, trustworthiness, fairness, and professionalism into every management process. Furthermore, an objective recruitment and selection system, accompanied by fair and transparent employment contracts, contributes to the creation of a conducive work environment. The implications of this study indicate that organizations that implement Sharia principles in human resource management are not only able to improve employee performance but also build an ethical, harmonious, and sustainable work culture.

PENGARUH DISIPLIN KERJA DAN LINGKUNGAN KERJA FISIK TERHADAP KINERJA PEGAWAI PADA SPPBE PT PARUNG MUSTIKA ABADI

Guntur Ramadhan — 2026-05-06

The purpose of this study is to determine the influence of work discipline and physical work environment on employee performance at SPPBE PT Parung Mustika Abadi. The method used in this research is a quantitative method with a saturated sampling technique totaling 45 respondents. Data analysis includes validity test, reliability test, classical assumption test, multiple linear regression analysis, correlation coefficient, coefficient of determination, and hypothesis testing.The results showed that partially, work discipline has no significant effect on employee performance, as evidenced by the t-count < t-table value of (-0.144 < 1.681) with a significance value of 0.886 > 0.05. Meanwhile, the physical work environment has a positive and significant effect on employee performance with a t-count > t-table value of (5.707 > 1.681) and a significance value of 0.000 < 0.05. Simultaneously, work discipline and physical work environment have a significant effect on employee performance with an F-count > F-table value of (59.604 > 3.220) and a significance value of 0.000 < 0.05. This is supported by the regression equation Y = 5.899 - 0.023X1 + 0.880X2. The coefficient of determination indicates that these two variables contribute 73.9% to employee performance, while the remaining 26.1% is influenced by other factors outside of this study.

Keywords: Work Discipline, Physical Work Environment, Employee Performance.

PENGARUH DISIPLIN KERJA DAN KEPUASAN KERJA TERHADAP KINERJA KARYAWAN PADA PT. DIDI KALIBRASI INDONESIA DI JAKARTA SELATAN

Fatimah Al Zahro — 2026-05-06

This study aims to determine the effect of Work Discipline and Job Satisfaction on employee performance at PT. Didi Kalibrasi Indonesia in South Jakarta, both partially and simultaneously. The type of research is associative with a quantitative approach. The research sample consisted of 57 respondents. The data analysis methods used in this study include instrument tests consisting of validity tests, reliability tests, and classical assumption tests, which consist of normality tests, multicollinearity tests, heteroscedasticity tests, multiple linear regression analysis, correlation coefficient, coefficient of determination test, and hypothesis testing consisting of partial t-tests and simultaneous F-tests. The results showed that Work Discipline had an effect on employee performance with a t-value greater than the t-table (8.083 > 1.674) and a significance value of 0.000 < 0.05. Job Satisfaction had a positive and significant effect on employee performance with a t-value greater than the t-table (7.397 > 1.674) and a significance value of 0.000 < 0.05. Work Discipline and Job Satisfaction together had a positive and significant effect on employee performance with an F-value greater than the F-table (43.565 > 3.168) and a significance value of 0.000 < 0.05. The R-square value indicates that Work Discipline and Job Satisfaction jointly contribute an influence on employee performance of 61.7%, while the remaining 38.3% is influenced by other factors or variables not examined in this study.

Keywords: Work Discipline, Job Satisfaction, Employee Performance

PENGARUH DISIPLIN KERJA DAN MOTIVASI KERJA TERHADAP KINERJA KARYAWAN PADA PT WOOLU AKSARA MAYA JAKARTA SELATAN

Fitri Aliyah Perdana — 2026-05-06

Abstract. This study aims to determine the effect of work discipline and work motivation on employee performance at PT Woolu Aksara Maya In South Jakarta. The population in this study was 121 employees of PT Woolu Aksara Maya In South Jakarta. The sample size was determined using the Slovin formula, resulting in a sample of 55 respondents who were considered representative of the population. The data obtained were then analyzed using several statistical analysis techniques, including descriptive statistical analysis, quantitative analysis, classical assumption test, simple linear regression analysis and multiple linear regression, correlation coefficient analysis, determination coefficient analysis, and hypothesis testing through t-test and F-test. The entire data processing process was carried out using the SPSS 27 program. The results of the study indicate that partially the work discipline variable has a significant effect on employee performance, as evidenced by a significance value of 0.001 (<0.05). The work motivation variable is also proven to have a significant effect on employee performance with a significance value of 0.005 (<0.05). In addition, the results of the simultaneous test indicate that work discipline and work motivation together have a significant effect on employee performance, with a significance value of the F test of 0.000 (<0.05).

Keywords: Work Discipline, Work Motivation, Employee Performance

Manajemen Pelatihan ASN KESDM dan Industri di Pusat Pengembangan Sumber Daya Manusia Minyak dan Gas Bumi Cepu

Kamilanissa Trisna Ayu Yunita Sari — 2026-05-07

This study aims to analyze the training management for State Civil Apparatus (ASN) of the Ministry of Energy and Mineral Resources (ESDM) and industrial workers at the Center for Human Resources Development of Oil and Gas (PPSDM Migas) Cepu. The method used in this research is descriptive qualitative with data collection techniques through observation, interviews, and literature studies. The results show that human resource management at PPSDM Migas is implemented systematically through the stages of planning, organizing, implementing, and evaluating training. There are different approaches between training for ASN and training for industry. ASN training is more structured following government regulations, while industrial training is more flexible and tailored to specific company needs through cooperation mechanisms such as Cooperation Agreements and tailor-made training. The application of the ADDIE model (Analysis, Design, Development, Implementation, Evaluation) serves as the main framework in training development. Factors influencing training effectiveness include material quality, instructor competence, learning methods, facility support, and post-training evaluation. Challenges faced include the complexity of the energy sector, technological developments, environmental impacts, and budget constraints.

STRATEGI PENGEMBANGAN KOMPETENSI DALAM UPAYA MENINGKATKAN PRODUKTIVITAS KERJA KARYAWAN PADA BENGKEL TEFA EXCELLENT 1TANGERANG

Abdul Rohman Al Goviqi — 2026-05-07

Abstract. The acceleration of digital technology in the automotive industry demands high technical competency standards for the workforce to maintain organizational competitiveness. This study aims to analyze competency development strategies in an effort to increase employee work productivity at the TEFA Excellent 1 Workshop Tangerang, identify factors influencing the development process, and formulate an effective strategic design optimization. The urgency of this research lies in the importance of human resource adaptation to electrical and digital systems to mitigate operational hurdles that impact service efficiency.The research method used is descriptive qualitative with a case study approach. Data analysis was conducted systematically through Thematic Analysis following the six-phase protocol by Braun and Clarke, including data familiarization, coding, and definitive theme mapping. Data were collected through in-depth interviews with the owner, manager, and mechanics, and validated using source triangulation techniques and technical documentation to ensure the credibility and objectivity of field findings.The research results identified three main findings: (1) Competency development strategies are focused on strengthening mechanics’ digital literacy through the use of diagnostic tools (scanners) and specialization in electrical systems to accelerate the repair process; (2) The development process is influenced by internal factors such as technology adaptation motivation and external factors such as facility support and the culture of knowledge sharing (mentoring) among peers; and (3) Strategic optimization is achieved through the integration of technical expertise with educative communication competencies capable of accelerating customer decision-making. This study concludes that a significant increase in work productivity is determined by the HR’s ability to combine digital technical precision with service communication effectiveness. Strategic recommendations are directed toward the formalization of internal mentoring programs, regular updates of digital work tools, and strengthening industry certification coordination for all technical personnel.

Keywords: Competency Strategy, Work Productivity, HR Management, Thematic Analysis, Automotive Industry.