Jurnal Activa

SISTEM INFORMASI TERPADU PADA DEWS BEAUTY SKINCARE SAMARINDA BERBASIS MACRO MICROSFT EXCEL

erlizakiasati — 2024-12-19

This research aims to build a computerized information system, which can make it easier for clinic employees to enter data, search for data and make monthly and annual reports, thereby reducing errors that occurred previously. The type of data used in this research uses qualitative and quantitative research data using primary and secondary data sources. The data collection techniques used were observation, interviews, documentation and literature study. This research uses a data flow diagram and entity relationship diagram system. The analysis tool used is Microsoft Excel Macro which can facilitate data processing well. The results of this research are the implementation of a more effective and more efficient integrated information system compared to the previous system implemented at Dews Beauty Skincare.

FAKTOR-FAKTOR YANG MEMENGARUHI KEPUTUSAN MAHASISWA POLITEKNIK NEGERI SAMARINDA MENGGUNAKAN QRIS SEBAGAI ALAT PEMBAYARAN DIGITAL

alvinajulia — 2024-12-19

Technological developments especially in the financial sector, have changed the process of cash transactions to non-cash.. One of them is by creating the Quick Response Code Indonesian Standard (QRIS). The purpose of this study is to find out whether there is an influence of lifestyle, security, and risk perception on the decision of Samarinda State Polytechnic students to use QRIS as a digital means of payment. This study is a quantitative research with primary data obtained from the distribution of questionnaires to all students of the Samarinda State Polytechnic with a sample of 112 respondents. The sampling technique uses the Purposive Sampling technique. The analysis method used in this study is multiple linear regression analysis with a testing tool, namely IBM SPSS version 23. In the results of simultaneous testing, the variables of lifestyle, security, and risk perception have a positive and significant effect on students' decision to use QRIS as a digital payment tool.

PENGARUH GAYA HIDUP HEDONISME, TEMAN SEBAYA, DAN LITERASI KEUANGAN TERHADAP MANAJEMEN KEUANGAN PRIBADI MAHASISWA DI KOTA SAMARINDA

amalia — 2024-12-19

This study aims to determine the effect of hedonism lifestyle, peers, and financial literacy on personal financial management of students in Samarinda City. This research uses a quantitative approach. Data collection techniques through questionnaires with a sample of students in Samarinda City at Mulawarman University, Muhammadiyah University of East Kalimantan, University of August 17 1945 Samarinda, and Samarinda State Polytechnic. The sampling technique used in this study used Probability sampling technique with simple random sampling with the Krejcie and Morgan formula with a minimum sample size of 380 respondents. In this study, the analytical tool used was statistical methods through the Statistical Product and Services Solutions (SPSS) program. The results showed that partially the variables of hedonism lifestyle and financial literacy had a positive and significant effect on personal financial management. While the peer variable has no effect and is not significant on personal financial management. Simultaneously, the variables of hedonism lifestyle, peers, and financial literacy have a positive and significant effect on personal financial management.

PENGARUH TINGKAT BAGI HASIL, KUALITAS PELAYANAN DAN KEMUDAHAN BERTRANSAKSI TERHADAP KEPUASAN NASABAH PADA PEGADAIAN SYARIAH CABANG PASAR MERDEKA SAMARINDA

winandarizkipriyadi — 2024-12-19

This research aims to determine the influence of the level of profit sharing, service quality, and ease of transactions on customer satisfaction at the Sharia Pawnshop, Pasar Merdeka Samarinda Branch. This research is quantitative research with primary data obtained from distributing questionnaires to customers of Pegadaian Syariah Pasar Merdeka Samarinda Branch with a sample size of 100 respondents using the Purposive Sampling technique. This research uses Multiple Linear Regression analysis with the SPSS 25 analysis tool. The results of the research partially show that the variables of profit sharing level, service quality and ease of transactions have a significant effect on customer satisfaction at Pegadaian Syariah Pasar Merdeka Samarinda Branch. The results of simultaneous testing show that the variables of profit sharing level, service quality and ease of transactions have a significant effect on customer satisfaction at Pegadaian Syariah, Pasar Merdeka Samarinda Branch.

PENGARUH PENGETAHUAN INVESTASI, MODAL MINIMAL, MOTIVASI INVESTASI, DAN KEMAJUAN TEKNOLOGI TERHADAP MINAT MASYARAKAT KOTA SAMARINDA BERINVESTASI DI PASAR MODAL

fadilaputriramadhani — 2024-12-19

This research aims to: (1) determine the influence of investment knowledge, (2) determine the influence of minimal capital, (3) determine the influence of investment motivation, (4) determine the influence of tecnological advancements, and (5) determine the influence of investment knowledge, minimal capital, investment motivation, and technological advancements on the interest of the samarinda city community in investing in the capital market. Data collection techniques used questionnaires distributed both online and offline to 384 residents of Samarinda city within the productive age category (18-64 years) who have not yet invested. Data analysis techniques involved multiple linier regression analysis processed using SPSS version 23. The result showed that partially, the variabels of investment knowledge, minimal capital, investment motivation, and technological advancements all had a positive nd significant influence on the interest of the Samarinda city community in investing in the capital market. Simultaneously, investment knowledge, minimal capital, investment motivation, and technological advancements positively and significantly influenced the interest of the Samarinda city community in investing in the capital market.

PENGARUH PENGETAHUAN KEUANGAN, SIKAP KEUANGAN, TEMAN SEBAYA, DAN PENGENDALIAN DIRI TERHADAP PENGELOLAAN KEUANGAN MASYARAKAT DI KOTA SAMARINDA

deafahrozasopian — 2024-12-19

The community needs to understand the importance of financial knowledge. One aspect of financial management among the community in Samarinda City can be seen from prioritizing their needs and controlling expenditures. The research aims to determine how financial knowledge, financial attitudes, peers, and self-control positively and significantly influence financial management among the community in Samarinda City. This study is quantitative, with a sample size of 384 respondents selected through Incidental Sampling technique. The analytical method used is multiple linear regression analysis with IBM SPSS version 23. The results indicate that financial knowledge, financial attitudes, peers, and self-control variables individually and collectively have a positive and significant impact on financial management among the community in Samarinda City.

Activa : Jurnal Akuntansi, Keuangan dan Perbankan Vol. x, No. X (xxx) Website : https://ejurnal.polnes.ac.id/index.php/activa E-mail : activa jurnal@polnes.ac.id

chantikarismaanggraeni — 2024-12-22

This study aims to analyze and prove the partial and simultaneous influence of the variables studied. This study uses 3 independent variables, namely Profit Sharing Level, Promotion and Service Quality. Meanwhile, the dependent variable is Customer Saving Interest. The method used to test the hypothesis is the data instrument test, classical assumption test, multiple linear regression, t test (1.979), f test (2.45) and coefficient of determination (R2). The object of this research is the customer of PT Bank Syariah Indonesia KCP Bung Tomo. The data used is primary data obtained directly through a questionnaire. The data are 125 respondents. The results show that the Profit Sharing Level (0.025<0.05), Promotion (0.000<0.05) has a positive and significant effect on customers' interest in saving at PT Bank Syariah Indonesia KCP Bung Tomo. Meanwhile, Service Quality (0.140>0.05) has a positive but not significant effect on PT Bank Syariah Indonesia KCP Bung Tomo.

SISTEM INFORMASI TERPADU PADA EVENT ORGANIZER CV AMSIBADU BERSAUDARA SAMARINDA MENGGUNAKAN MACRO MICROSOFT EXCEL

reninikita — 2024-12-22

This research aims to build a computerized information system to make it easier for Event Organizer CV Amsibadu Bersaudara employees to enter data, search for data, and make monthly and annual reports, thereby reducing errors or losses that occurred previously. The type of data used in this research uses qualitative and quantitative data types with primary and secondary data sources. The data collection techniques used were observation, interviews, documentation and literature study. This research uses entity relationship diagram data system modeling. The analysis tool used is Microsoft Excel macro which can carry out data processing well. The result of this research is the implementation of an integrated information system that is effective and efficient compared to the manual system previously implemented at the Event Organizer CV Amsibadu Bersaudara Samarinda.

PENGARUH KUALITAS PELAYANAN, PROSEDUR, PERSYARATAN, DAN TINGKAT SUKU BUNGA TERHADAP KEPUTUSAN NASABAH MENGAJUKAN KREDIT USAHA RAKYAT (KUR) PADA PT BANK RAKYAT INDONESIA, Tbk UNIT HARAPAN BARU

nanisarni — 2024-12-22

The purpose of the study is to find out and analyze the quality of service, credit procedures, credit requirements, and interest rates have a significant effect on the customer's decision to apply for People's Business Credit. This study is a quantitative research with a sample of 100 respondents. The sampling technique uses non-probability sampling techniques. The analysis method used in this study is multiple linear regression analysis with a testing aid tool, namely IBM SPSS version 23. The results of this study partially have no effect on the customer's decision to apply for People's Business Credit, Credit Procedures, Credit Requirements and Interest Rate partially have a significant positive effect on the customer's decision to apply for People's Business Credit, and together have a positive and significant influence on the customer's decision to apply for People's Business Credit at PT. Bank Rakyat Indonesia Tbk, Harapan Baru Unit.

Analisis Pengaruh Event Marketing, Flash Sale, E-WOM dan Brand Image terhadap Keputusan Pembelian di Marketplace Shopee

adilla — 2024-12-22

This study aims to determine the effect of event marketing, flash sales, e-wom, and brand image on purchasing decisions at the Shopee marketplace in Samarinda City. This research is quantitative research with the data analysis method using the model fixity test, classical assumption test, and multiple linear regression analysis. The population is Shopee users in Samarinda City, with 100 respondents as the sample. In collecting data, this study used a questionnaire that had been tested for validity and reliability. The questionnaire was then distributed using a questionnaire as data collection material which was then analyzed with software, namely SPSS. Based on the results of the partial test research, the event marketing, flash sale, e-wom, and brand image variables have a positive and significant influence on the purchasing decision variable with a value of 0.046 for the event marketing variable, a value of 0.011 for the flash sale variable, a value of 0.042 for the e-wom variable, and a value of 0.011 for the brand image variable. Likewise, simultaneously all independent variables have a positive and significant influence on purchasing decisions with a significant value of 0.000. For the coefficient of determination value (adj R2) 33% of purchasing decisions are influenced by event marketing, flash sales, e-wom, and brand image, the remaining 67% are influenced by other variables outside the scope of this study.

ANALISIS FAKTOR – FAKTOR YANG MEMENGARUHI KEPUTUSAN PEMINJAMAN ANGGOTA KOPERASI DI KOPERASI SIMPAN PINJAM MAKMUR MANDIRI SAMARINDA

muhirfandi — 2024-12-22

Cooperatives are a financial institution that can provide business capital to people who need fast funds to develop their businesses by distributing loans to their members. Decision making in making a loan can be influenced by several factors, namely loan granting procedures, interest rates, service quality and several other factors. This research aims to determine the influence of loan granting procedures, interest rates and service quality on decisions made in making loans at the "Mandiri Makmur" Savings and Loans Cooperative. The research method used is quantitative research. The data used is primary data. The population is all members of the "Makmur Mandiri" Savings and Loans Cooperative, totaling 178 members. With a research sample of 130 members. Data was collected using a questionnaire method and analyzed using multiple linear regression analysis. The partial and simultaneous research results show that Loan Providing Procedures (X1), Interest Rates (X2) and Service Quality (X3) influence lending decisions (Y). It is hoped that the "Makmur Mandiri" Savings and Loans Cooperative can increase mutual loans by providing low interest rates, easy loan procedures and satisfactory service quality so that customers continue to use its services for business capital.

PENGARUH RASIO KEUANGAN DAN MAKRO EKONOMI TERHADAP KINERJA KEUANGAN PADA PERBANKAN YANG TERDAFTAR DI BEI TAHUN 2019-2023

crissantaeugeniajc — 2024-12-22

The aim of this research is to analyze the influence of financial and macroeconomic ratios on the financial performance of banks listed on the BEI in 2019-2023. The data used is secondary data obtained from the official websites of the Indonesian Stock Exchange and Bank Indonesia. The sampling method was carried out using purposive sampling with 13 banks sampled during the research period. The data analysis used is multiple linear regression which consists of classic assumption tests and hypothesis tests. The research results prove that 1) Capital Adequacy Ratio has a negative and insignificant effect on Return on Assets, 2) Loan to Deposit Ratio has a negative and significant effect on Return on Assets, 3) Inflation has a negative and insignificant effect on Return on Assets, 4) BI- 7 Day Reverse Repo Rate has a positive and significant effect on Return on Assets (ROA). Simultaneous testing proves that the Capital Adequacy Ratio, Loan to Deposit Ratio, Inflation, and BI-7 Day Reverse Repo Rate have a positive and significant effect on financial performance as measured using Return on Assets (ROA) in banks listed on the BEI in 2019-2023.

PENGARUH RISIKO, MANFAAT, KEMUDAHAN, KEAMANAN, DAN KEPERCAYAAN TERHADAP MINAT GENERASI Z DALAM MENGGUNAKAN BRIMO PT BANK RAKYAT INDONESIA DI KOTA SAMARINDA

novitakristiani — 2024-12-22

This study aims to analyze the influence of risk, benefit, convenience, security, and trust on generation Z's interest in using BRIMO PT Bank Rakyat Indonesia in Samarinda City. This study uses a quantitative approach, using primary data through questionnaires. Respondents in this study were generation z in Samarinda City who were interested in using BRIMO PT Bank Rakyat Indonesia. The sampling technique used the purposive sampling method with a sample size of 149 respondents. In this study, the analysis tool used was multiple linear regression. The results of this study indicate that (1) Risk does not affect the interest in using BRIMO PT Bank Rakyat Indonesia, (2) Benefits affect the interest in using BRIMO PT Bank Rakyat Indonesia, (3) Convenience affects the interest in using BRIMO PT Bank Rakyat Indonesia, (4) Security affects the interest in using BRIMO PT Bank Rakyat Indonesia, and (5) Trust affects the interest in using BRIMO PT Bank Rakyat Indonesia. Simultaneously, it means that risk, benefits, convenience, security, and trust simultaneously have a positive and significant effect on the interest in using BRIMO in Samarinda City with a significance value of 0.000 < 0.005, and the Trust variable that has a dominant effect on the interest in using BRIMO in Samarinda City is 0.245.

PENGARUH KEMUDAHAN, PROMOSI DAN MANFAAT TERHADAP KEPUTUSAN PENGGUNAN E-WALLET DANA DI SAMARINDA SEBERANG

risnawati — 2024-12-22

This research aims to describe the influence of convenience, promotion and benefits on the decision to use Dana's e-wallet both partially and simultaneously. This research was conducted at a predetermined time using a questionnaire that was measured using a Likert scale as a research instrument. The respondents in this study were Dana e-swallow users in Samarinda Seberang. The sampling method used is Non Probability Sampling with the Purposive Sampling method. The sample used in this research was 100 respondents. The data analysis techniques used in this research are validity test, reliability test, multiple linear regression analysis, t test, f test, coefficient of determination test and using SPSS version 25 software. The research results show that partially the convenience and benefit variables have a positive and significant effect. on the decision to use the Dana e-wallet in Samarinda Seberang, while the promotion variable does not have a positive and significant effect on the decision to use the Dana e-wallet in Samarinda Seberang. Simultaneously, the variables of convenience, promotion and benefits have a positive and significant effect on the decision variable to use Dana's e-wallet. In the results of the coefficient of determination test, a value of 0.584 was obtained. This means that the influence of the convenience, promotion and benefits variables on the decision to use Dana's e-wallet is 58.4%, while the rest is influenced by other factors not included in this research.

ANALISIS TINGKAT KESEHATAN BANK MENGGUNAKAN METODE RGEC PADA PT BANK RAKYAT INDONESIA (PERSERO) TBK TAHUN 2018-2023

alfikrinuraldy — 2024-12-22

This research aims to determine the health level of PT Bank Rakyat Indonesia from 2018 to 2023 as measured using the Risk Profile, Good Corporate Governance, Earnings and Capital (RGEC) method. Based on the analysis of the data, it can be concluded that during the period 2018-2023, each aspect of the RGEC method, namely Risk Profile, Good Corporate Governance, Earnings, and Capital, the composite financial performance score of PT. Bank Rakyat Indonesia fell into the healthy category as it met the ratio thresholds set by regulators, including Bank Indonesia (BI) and the Financial Services Authority (OJK). In terms of the Risk Profile factor, using two indicators, NPL was in the very healthy category, while LDR was in the less healthy category. The Good Corporate Governance (GCG) factor, using the GCG self-assessment composite score, placed PT Bank Rakyat Indonesia in the healthy category. The Earnings factor, using ROA and BOPO indicators, and the Capital factor, using the CAR indicator during the 2018-2023 period, were in the very healthy category. Although the LDR ratio was above the average LDR threshold for banks from 2018 to 2023, this high LDR ratio was offset by the low credit risk indicated by the low NPL value and the high amount of capital indicated by the high CAR value.

DETERMINAN WAJIB PAJAK DAERAH TERHADAP PEMBAYARAN PAJAK KENDARAAN BERMOTOR RODA DUA PADA KANTOR SAMSAT DI KOTA SAMARINDA

alifiadewi — 2024-12-22

This research aims to determine the influence of knowledge, understanding, use of technology, legal awareness, discipline and sincerity of regional taxpayers on the payment of two-wheeled motor vehicle tax at the Samarinda City Samsat office. The analytical tool in this research is multiple linear regression, which results in the following regression equation Y = 0.024 – (0.048 X1) + (0.033 X2) + (1.141 X3) + (0.159 X4) + (0,084 X5) – (0,032 X6), namely payment of motor vehicle tax worth 0.024, taxpayer knowledge -0.048, taxpayer understanding 0.033, taxpayer use of technology 1.141, taxpayer legal awareness 0.159, taxpayer discipline 0.084 and taxpayer sincerity -0.032. Simultaneously, it shows that the variables of taxpayer knowledge, taxpayer understanding, taxpayer use of technology, taxpayer legal awareness, taxpayer discipline, and taxpayer sincerity have a positive and significant effect.

PENGARUH HARGA, KEMUDAHAN PENGGUNAAN APLIKASI, PELAYANAN, DAN KEPERCAYAAN TERHADAP KEPUASAN PELANGGAN MENGGUNAKAN JASA TRANSPORTASI ONLINE MAXIM DI KOTA SAMARINDA

anadamayanti — 2024-12-22

Transportation is a service that helps people carry out their activities more easily. The existence of transportation makes it easier for people to move around, both within and outside the city, so that people do not need to walk. The aim of this research is to find out price, ease of use of the application, service and trust have a positive and significant effect on customer satisfaction using Maxim online transportation services in Samarinda City. This research is quantitative research with a sample size of 100 respondents. The sampling technique uses Incidental Sampling. The analytical method used in this research is multiple linear regression analysis with a testing tool, namely IBM SPSS version 23. The results of the research show that the price variable has a negative and significant effect on customer satisfaction. Meanwhile, the variables of ease of use of applications, service and trust have a positive and significant effect on customer satisfaction.

PENGARUH PERSEPSI MANFAAT, PERSEPSI KEMUDAHAN, KEAMANAN, TEKNOLOGI, DAN KETERSEDIAAN FITUR TERHADAP MINAT NASABAH MENGGUNAKAN LAYANAN MOBILE BANKING ( Studi Kasus Pada PT Bank Central Asia Kota Tenggarong)

nurfitria — 2024-12-22

This study aims to determine the effect of perceived benefits, perceived ease of use, security, technology, and availability of features on customer interest in using mobile banking PT. Bank Central Asia in tenggarong both partially and simultaneously. The respondents in this research were BCA mobile banking service costumer in Tenggarong city. The sampling method used is Non Probability Sampling with convinace sampling method. The sample used in this study was 130 respondents. The data analysis techniques used in this study are validity test, reliability test, multiple linear regression analysis, normality test, multicolonierity test, heteroscedasticity test, t test, f test, and coefficient of determination test and using SPPS software version 25. The results showed that perceived benefits, technology, and availability of features positively and significantly influenced customer interest in using mobile banking and perceived convenience and security had an insignificant effect on customer interest in using mobile banking. As for the simultaneous test, perceived benefits, perceived convenience, security, technology, and availability of features together have a positive and significant effect on customer interest in using mobile banking at PT Bank Central Asia in tenggarong. Overall, these factors jointly increase interest in using BCA Bank Mobile Banking in Tenggarong.

Pengaruh Fasilitas ATM, Promosi, Lokasi Dan Kepercayaan Terhadap Minat Menabung Masyarakat Pada Bank Sinarmas Kntor Cabang Samarinda

aryatriatmaja — 2024-12-22

This study aims to analyze and prove the influence between ATM facilities, promotion, location and trust on the interest in saving public Bank Sinarmas Samarinda Branch Office. The method in this study uses quantitative methods. The number of research samples was 100 respondents. The results showed that partially ATM facilities (X1) with a significance value of 0.001 <0.005, promotion (X2) with a significance value of 0.001 <0.005, trust (X4) with a significance value of 0.001 <0.005 had a positive and significant effect on people's interest in saving. However, location (X3) with a significance value of 0.084> 0.005 has a positive but insignificant effect on people's interest in saving. Simultaneously ATM facilities, promotion, location and trust have a positive and significant effect on people's interest in saving with a significant value of <0.001.

PENGARUH TRANSFORMASI DIGITAL, KUALITAS LAYANAN DIGITAL, DAN INOVASI LAYANAN TERHADAP KEPUASAAN NASABAH PADA BANK BRI KOTA SAMARINDA

asraashari — 2024-12-22

ABSTRACT

This research aims to determine the influence of digital transformation, digital service quality, and service innovation on customer satisfaction with BRI Bank services in Samarinda City. The respondents for this research were 200 visitors, data was collected using questionnaires directly and online using google form, and analyzed using multiple linear regression using SPSS 25 for Windows software. This research uses quantitative methods. The Independent Variables used are digital transformation, digital service quality, and service innovation, while the Dependent variable used is customer satisfaction. This research uses multiple linear regression analysis with the equation Y = 6.126+0.343 X1 + 0.409 X2 + 0.166 X3. The regression coefficient for the digital transformation variable (X1) has a value of tcount > ttable (5.466 > 1.972) with a significant value of a = 0.000 < 0.05. The digital service quality variable (X2) has a value of tcount > ttable (8.054 > 1.972) with a significant value of a = 0.000 < 0.05. The service innovation variable (X3) has a value of tcount> ttable (2,797> 1.972) with a significant value of a = 0.06 < 0.05. So it can be concluded that H1, H2 and H3 are accepted. The results of this research also show that the calculated f value is greater than the Ftable value of (58.005 > 3.040) supported by a sig value of 0.00 < 0.05, so it can be concluded that variables X1 and Bank BRI Samarinda City.

PENGARUH LIFESTYLE, PERCEIVED EASE OF USE, DAN SAFETY OF USE TERHADAP KEPUTUSAN GENERASI MILENIAL DI KOTA SAMARINDA MENGGUNAKAN LAYANAN MOBILE BANKING DALAM BERBELANJA ONLINE

auliaseptiani — 2024-12-25

The purpose of this study is to know the effects of lifestyle, moderation of use, and safety of use against the millennial generation of mobile banking decisions in the city of samarinda both partial and simultaneous. Data collection methods use a questionnaire measured to the likert scale. The number of research samples is 160. The analysis tools used are desensitized statistical analysis, instruments test, valification tests, let's check again, linear regression analysis, hypothetical tests, test t, test f and r2 test, classic assumption test, normality, multicolonierity test, and heterosity test, Studies have shown that lifestyle variables, perceived ease of use, and safety of use have hada positive and significant impact on mobile banking decisions. Simultaneous lifestyle variables, perceived ease of use, and safety of use have a positive and significant impact on millennial generation decisions using mobile banking..

SISTEM INFORMASI TERPADU PADA UD MEUBEL SEDERHANA SAMARINDA BERBASIS MACRO MICROSOFT EXCEL

budihendraajang — 2024-12-25

This research aims to implement an information system that is integrated with computers at UD Meubel Simple Samarinda, to make it easier for employees at UD Mebuel Simple Samarinda to record and manage sales and purchase transaction data both in cash and credit, thus speeding up the process of making reports and reducing errors in recording. The data collection techniques used are observation, interviews, documentation and literature study. The analysis tool used is Microsoft Excel Macros which can facilitate data processing well. This research uses data flow diagram and entity relationship diagram system modeling. The results of this research are that the implementation of the information system is more effective and efficient compared to the manual system previously implemented at UD Meubel Simple Samarinda.

ANALISIS KINERJA KEUANGAN PADA BANK UMUM SWASTA DI BURSA EFEK INDONESIA (PERIODE 2019-2023)

dellaamalia — 2024-12-25

This research aims to analyze the financial performance of Private Commercial Banks on the Indonesia Stock Exchange using liquidity ratios, solvency ratios and profitability ratios. This research uses quantitative data analysis techniques. In this case, the data used for analysis is financial report data for the 2019-2023 period by reviewing report data, carrying out calculations and applying them to research results. The technique used is to use liquidity ratios, solvency ratios and profitability ratios. The results of this research show that Bank Bukopin experienced a decline in the current ratio and Return on Equity (ROE), with fluctuations in the Debt to Assets Ratio (DAR) and Debt to Equity Ratio (DER). Bank Sinarmas shows stability in its liquidity ratio but with variations in Return on Investment (ROI) and (ROE). Meanwhile, Bank Amar Indonesia experienced a downward trend in its current ratio, with significant fluctuations in DAR and DER, as well as large variations in ROI and ROE. This analysis provides a comprehensive picture of the financial health of the three banks.

PENGARUH PEMAHAMAN BAGI HASIL, MOTIVASI MENGHINDARI RIBA, DAN RELIGIUSITAS TERHADAP MINAT MAHASISWA MENJADI NASABAH BANK SYARIAH

destiaalfianda — 2024-12-25

This research uses 3 independent variables, namely understanding profit sharing, motivation to avoid usury, and religiosity, while students' interest in becoming sharia bank customers is the dependent variable. The object of this research is the accounting department of the Samarinda State Polytechnic. The sampling technique uses purposive sampling. The data collection technique uses a questionnaire. The analysis technique uses multiple linear regression which is processed using SPSS 23. The results of the research partially show that the variables understanding profit sharing, motivation to avoid usury, and religiosity have a positive and significant effect on students' interest in becoming sharia bank customers. Simultaneously understanding profit sharing, motivation to avoid usury, and religiosity on students' interest in becoming Islamic bank customers have a positive and significant effect.

PENGARUH KOMUNIKASI, MOTIVASI, DAN KOMPENSASI FINANSIAL TERHADAP KINERJA KARYAWAN DI PT PEGADAIAN CABANG LOA JANAN

desvitatiarapasha — 2024-12-25

Employee performance at PT. Loa Janan Branch Pawnshop, which is influenced by communication, motivation and financial compensation both partially and simultaneously, is the aim of this research. This research was conducted at PT. Loa Janan Branch Pawn Shop. The data collection method uses a questionnaire which is measured using a Likert scale. The number of samples obtained using the Simple Random Sampling method was 33 respondents. The analytical tools used are descriptive statistical analysis, validity test, reliability test, multiple linear regression analysis and R2 test, t test, F test, normality test, multicollinearity test, heteroscedasticity test, using the Statistical Product and Service Solution (SPSS) software tool. The research results show that partially the variables of communication, motivation and financial compensation have a positive and significant effect on employee performance. Simultaneously the variables of communication, motivation and financial compensation have a positive and significant effect on the performance of PT employees. Loa Janan Branch Pawn Shop.

PENGARUH SUKU BUNGA (BI RATE) DAN INFLASI TERHADAP PROFITABILITAS PT BANK RAKYAT INDONESIA TBK (2020-2023) MELALUI KREDIT SEBAGAI VARIABEL INTERVENING

ekaputriyuliana — 2024-12-25

This study aims to determine the effect of interest rates (BI rates) and inflation on the profitability of PT Bank Rakyat Indonesia Tbk (2020-2023) through credit as an intervening variable. This study uses a quantitative approach. Data collection techniques through the official websites of Bank Indonesia, the Central Statistics Agency, the Financial Services Authority, the Indonesia Stock Exchange and PT Bank Rakyat Indonesia for the period 2020-2023. The sampling technique used in this study used the purposive sampling technique. The sample used in this study was 48 data. The data analysis technique used in this study was in the form of statistical data tests, normality tests, multicollinearity tests, heteroscedasticity tests, autocorrelation tests, path analysis t-tests, sobel tests, and coefficient of determination (R2) tests and using SPSS software version 25. The results of the study indicate that the Interest Rate (BI rates) variable has a negative and significant effect on Profitability, Inflation does not affect profitability, interest rates (BI rates) have a negative and significant effect on credit, Inflation does not affect credit, credit has a positive and significant effect on profitability, interest rates (BI rates) have a negative and significant effect on profitability through credit, Inflation has no effect and is not significant on profitability through credit. The results of the mediation test show that credit is proven to be significantly only able to mediate the effect of interest rates (BI rates) on profitability.

PENGARUH KEMANFAATAN, KEMUDAHAN DAN PROMOSI TERHADAP KEPUTUSAN PENGGUNAAN QRIS SEBAGAI TEKNOLOGI PEMBAYARAN DIGITAL PADA MAHASISWA POLITEKNIK NEGERI SAMARINDA

elgiscanurzabanee — 2024-12-25

This research aims to determine the influence of usefulness, ease of use and promotion on the decision to use QRIS as a digital payment technology for Samarinda State Polytechnic students, both partially and simultaneously. This study uses a quantitative approach. Data collection techniques through questionnaires with a sample of Samarinda State Polytechnic students for the 2020-2023 class. The sampling technique used in this research used a purposive sampling technique using the Hair et.al., 2014 formula which was measured using a Likert scale. The sample used in this research was 160 respondents. The data analysis techniques used in this research are validity test, reliability test, coefficient of determination test (R^2), multiple linear analysis, t test, f test, data normality test, multicollinearity test, and heteroscedasticity and using SPPS version 25 software. The research results show that the usefulness and ease of use variables positively and significantly influence the usage decision and the promotion variable has no effect and is not significant on the usage decision. Simultaneously, the variables of usefulness, ease of use and promotion have a positive and significant influence on the decision to use and the variable of ease of use has a more dominant influence on the decision to use. So all these factors together improve the usage decision.

PENERAPAN KEBIJAKAN MONETER DAN PENGARUHNYA TERHADAP PERTUMBUHAN EKONOMI

ermawatipariri — 2024-12-25

Monetary policy as one of the main instruments used by Bank Indonesia has an important role in controlling inflation, exchange rate stability, and the amount of money in circulation in the community where global and domestic economic challenges, such as commodity price fluctuations, so that a deep understanding of the relationship between monetary policy and economic growth is crucial whether the right monetary policy can be an effective tool in directing the economy towards good and sustainable growth.

This study aims to determine the effect of monetary policy, namely the amount of money in circulation and the exchange rate through inflation on economic growth. This study uses a quantitative approach, using secondary data through the websites of Bank Indonesia and the Central Statistics Agency. The data in this study were 5 years from 2019 to 2023. The independent variables are the amount of money in circulation and the exchange rate, the intervening variable is inflation and the dependent variable is economic growth. In this study, the analytical tool used is path analysis, using the help of IBM SPSS Statistic 23 for Windows software.

The results of this study indicate that in 2019-2023 the amount of money in circulation has no effect on inflation while the exchange rate has a positive effect on inflation. The amount of money in circulation has a positive effect on economic growth while the exchange rate and inflation have no effect on economic growth. The amount of money in circulation and the exchange rate do not affect economic growth through inflation.

PENGARUH LITERASI KEUANGAN, HERDING, DAN PERSEPSI RISIKO TERHADAP KEPUTUSAN INVESTASI MAHASISWA POLITEKNIK NEGERI SAMARINDA

faridarahmawatihakim — 2024-12-25

The purpose to be achieved in this study was to determine the effect of financial literacy, herding, and risk perception on investment decisions of Samarinda State Polytechnic student. This research method uses quantitative research with primary data obtained from distributing questionnaires of Samarinda State Polytechnic student class of 2020 and 2021 with a sample size of 130 respondents using Purposive Sampling technique. The results showed that partially the variables of financial literacy, herding, and risk perception had a significant effect on the investment decisions of Samarinda State Polytechnic students. In the results simultaneously the variables of financial literacy, herding, and risk perception have a significant effect on the investment decisions of Samarinda State Polytechnic students.

PENGARUH DISKON, GRATIS ONGKOS KIRIM, DAN PERSEPSI RISIKO TERHADAP KEPUTUSAN PEMBELIAN PELANGGAN E-COMMERCE SHOPEE DI SAMARINDA SEBERANG

feibemagdalenakoyong — 2024-12-25

This research aims to determine the influence of discounts, free shipping, and risk perceptions on purchasing decisions of Shopee e-commerce customers in Samarinda Seberang. This research uses a quantitative approach using primary data through questionnaires. The respondents in this research were residents of Samarinda Opposite subdistrict who had used the Shopee application. The independent variables in this research are discounts, free shipping, and risk perception, while the dependent variable in this research is purchasing decisions. The analytical tools used in this research are instrument tests in the form of validity and reliability tests, multiple linear regression analysis, coefficient of determination, hypothesis tests in the form of T tests and F tests, as well as classic assumptions in the form of normality tests, heteroscedasticity tests, and multicollinearity tests with the help of software. Statistical Product and Services Solutions (SPSS) version 25.