JIM: Jurnal Ilmiah Mahasiswa

Analisis Pengaruh Pengeluaran Pemerintah Sektor Pendidikan dan Kesehatan Terhadap Pertumbuhan Ekonomi dan IPM di Langsa

Muammar Kaadafi Z, Asnidar, Miswar — Mon, 09 Oct 2023 00:00:00 +0700

This research aims to analyze the influence of government expenditures in the education and health sectors, as well as economic growth, on the Human Development Index in Langsa City. The independent variables used in this study are government expenditures in the education and health sectors, while the dependent variables are economic growth and the Human Development Index. The data used in this research are secondary data from the period of 2010-2021 in Langsa City, collected through annual time series data collection with a quantitative nature. The research findings indicate that government expenditures in the education sector have a positive influence on economic growth and the Human Development Index. Government expenditures in the health sector have a positive influence on economic growth but a negative influence on the Human Development Index. Additionally, economic growth has a positive influence on the Human Development Index.

Pengaruh Promosi dan Pengetahuan terhadap Keputusan Masyarakat Memilih Produk Tabungan Emas di PT. Pengadaian Syariah Cabang Langsa

Sari Fitriani, Juli Dwina Puspita Sari, Muhammad Riza — Fri, 17 Nov 2023 06:15:12 +0700

Penelitian ini bertujuan untuk mengetahui apakah promosi dan pengetahuan berpengaruh terhadap keputusan masyarakat memilih produk tabungan emas di PT. Pegadaian Syariah Cabang Langsa secara parsial dan simultan. Penelitian ini menggunakan metode kuantitatif dengan analisis regresi berganda. Populasi dalam penelitian ini adalah seluruh nasabah investasi emas yang ada di PT. Pegadaian Syariah Cabang Langsa pada tahun 2022 sebanyak 2.500 nasabah. Teknik pengambilan sampel menggunakan simpel random sampling dengan jumlah sampel adalah 96. Hasil penelitian menunjukkan secara parsial promosi berpengaruh terhadap keputusan menggunakan produk tabungan emas dengan nilai t_hitungdari promosi sebesar 35,005 > dari t_tabel sebesar 1,661, dengan nilai signifikansi sebesar 0,000 < alpha 0,05. Pengetahuan memiliki pengaruh terhadap keputusan dalam menggunakan produk tabungan emas dengan nilai t_hitungdari pengetahuan sebesar 4,792 > dari t_tabel sebesar 1,661, dengan nilai signifikansi 0,000 < alpha 0,05. Hal ini bermakna bahwa pengetahuan berpengaruh positif dan signifikan terhadap keputusan menggunakan tabungan emas. Hasil penelitian juga menunjukkan bahwa secata simultan (keseluruhan) promosi dan pengetahuan terhadap keputusan dapat dilihat dari hasil uji F, dengan nilai F_hitung= 212,942 > dari F_tabel2,47 dengan nilai signifikansi = 0.000. Dengan demikian nilai signifikansi (0.000 < 0.05), maka terdapat pengaruh yang signifikan antara promosi (X₁) dan pengetahuan (X₂) terhadap keputusan (Y).

Pengaruh Pembiayaan dalam Meningkatkan Kesejahteraan Pengusaha Mikro di PT. Pegadaian Syariah Kota Langsa

Riska Hanifa, Zikriatul Ulya, Abdul Hamid — Fri, 17 Nov 2023 06:27:38 +0700

Pembiayaan Arrum BPKB merupakan pembiayaan usaha yang diberikan oleh pegadaian syariah yang diperuntukan bagi pengusaha mikro dalam mengembangkan usaha yang telah dijalankan menggunakan jaminan BPKB kenderaan baik kenderaan bermotor atau mobil. Pada pelaksanaannya diharapkan dapat memberikan peningkatan pendapatan pada usaha tersebut. Pengusaha mikro adalah sesuatu usaha produktif yang dimiliki perorangan atau usaha perorangan yang memiliki kriteria usaha mikro didalam undang-undang, dimana usaha ini dapat mensejahterakan kehidupan. Tujuan dari penelitian ini untuk menegtahi dan menaganalisis pengaruh pembiayaan terhadap kesejahteraan melalui peningkatkan pendapatan. Penelitian ini adalah jenis penelitian deskriptif kuantitatif dan sifat penelitian secara eksplanatory research. Penelitian ini menggunakan teknik pengambilan sampel dengan metode purposive random sampling atau penentuan sampel berdasarkan pertimbangan tertentu yang terdiri dari 120 nasabah sesuiai kriteria nasabah sudah mengambil minimal 2x pembiayaan pada PT. Pegadaiaan Syariah cabang langsa. Analisis data yang digunakan adalah analisis jalur (analisys path), menggunakan software SPSS. Hasil penelitian secara langsung menunjukkan pembiayaan Arrum BPKB berpengaruh positif dan signifikan terhadap peningkatan pendapatan pengusaha mikro, pembiayaan Arrum BPKB berpengaruh positif dan signifikan terhadap kesejahteraan pengusaha mikro dan peningkatan pendapatan pengusaha mikro berpengaruh positif dan signifikan terhadap kesejahteraan. Selanjutnya hasil secara tidak langsung menunjukkan pembiayaan Arrum BPKB secara tidak langsung berpengaruh positif dan signifikan terhadap kesejahteraan melalui peningkatan pendapatan pengusaha mikro.

Profitabilitas Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia

Nurul Rizki, Abdul Hamid, Nurjanah — Fri, 17 Nov 2023 06:52:57 +0700

This study aims to see the effect of the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) on the profitability of BPRS in Indonesia. The research method used is a quantitative approach. The population of this research s all BPRS registered with the Financial Services Authority. By using purposive sampling there are as many as 6 BPRS used as samples in this study. The data analysis technique used in this study is panel data regression with the help of the Eviews 10 program. The result obtained indicate that partially the Capital Adequacy Ratio (CAR) has a negative and significant effect on profitability with a probability value of 0,0060 < 0,05. Non Performing Financing (NPF) has a positive and significant effect on profitability with a probability value of 0,0381 < 0,05. While the Financing to Deposit Ratio (FDR) has a positive and insignificant effect on profitability with a probability value of 0,7093 > 0,05. Simultaneously the independent variabel has a significant effect on the dependent variable with a significant value of 0,000000 < 0,05. This means that the Captal Adequacy Ratio (CAR), Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) simultaneously (together) have a significant effect on the profitability of BPRS in Indonesia.

Kepuasan Pelanggan, Kualitas Produk, dan Nilai yang Dirasakan: Mengukur Loyalitas Konsumen di Warung Kopi Kota Langsa

Aminullah Abd. Aziz, Agustinar agustinar, M. Yahya, Nur Azizah — Fri, 17 Nov 2023 07:09:18 +0700

Product quality, perceived value on consumer loyalty in choosing a coffee shop in Langsa City. The research method used in this study was the sampling method carried out by the Accidental Sampling method, namely determining the sample based on the people you met. by chance or anyone who is consuming coffee in a coffee shop. In this study, the number of samples determined by the researcher was 35 respondents. The data collection method uses interview techniques and the instrument used is a questionnaire. The instrument has met the validity requirements with a reliability coefficient (Crombach's Alpha) of 0.571, 0.638, 0.433 and 0.652 respectively for Determination is used to measure how far the variable ability of customer satisfaction is product quality, perceived value and loyalty variables. Data analysis was carried out using qualitative methods and quantitative methods with the formulas namely Regression Analysis, T-test, F-test and Coefficient of Determination Test (R2) with the help of SPSS 16 software for windows. The results showed that the variable customer satisfaction t-count < t-table (0.514 < 1.697) so that it can be concluded that the variable customer satisfaction has no significant effect on customer loyalty. product quality variable t-count > t-table (6.28 > 1.697) so that it can be concluded that product quality variables have a significant effect on consumer loyalty. perceived value variable t-count <t-table (0.255 <1.697) so it can be concluded that perceived value variable has no significant effect on consumer loyalty.

Faktor-Faktor yang Mempengaruhi Keputusan Nasabah Menggunakan Setor Tunai di Anjungan Tunai Mandiri Bank Syariah Indonesia Kota Langsa

Sabilla Ayuni, Khairatun Hisan, Abdul Hamid — Fri, 15 Dec 2023 11:10:44 +0700

The purpose of this study was to determine the effect of convenience, need, trust and location on customers' decisions to use cash deposit at Bank Syariah Indonesia Automated Teller Machines, Langsa City. This research approach is quantitative. The population in this study were all users of Bank Syariah Indonesia cash deposit ATMs in Langsa City, while the sample used was 75 people. Data collection techniques consist of observation, interviews, questionnaires and documentation. Data analysis techniques include analysis prerequisite tests, classic assumption tests and hypothesis testing. The results of the study show that convenience has a positive and significant effect on customers' decisions to use cash deposits at Bank Syariah Indonesia Automated Teller Machines, Langsa City. This is evidenced by the sig value of the convenience variable, which is 0.035 <0.05 and the tcount value is 2.930 > 1.9944 (ttable). Needs have a positive and significant effect on customers' decisions to use cash deposits at Bank Syariah Indonesia Automated Teller Machines, Langsa City. This is evidenced by the sig value of the needs variable, namely 0.011 <0.05 and tcount 2.616 > 1.9944 (ttable). Trust has a positive and significant effect on customers' decisions to use cash deposits at Bank Syariah Indonesia Automated Teller Machines, Langsa City. This is proven based on the sig value of the trust variable, which is 0.047 <0.05 and the tcount value is 2.935 > 1.9944 (ttable). Location has a positive and significant effect on customers' decisions to use cash deposits at Bank Syariah Indonesia Automated Teller Machines, Langsa City. This is evidenced by the sig value of the location variable, namely 0.020 <0.05 and tcount 3.113 > 1.9944 (ttable). Convenience, need, trust and location simultaneously have a positive and significant impact on customer decisions to use cash deposit at Bank Syariah Indonesia Automated Teller Machines in Langsa City. This is evidenced by the results of the F test obtained sig 0.001 <0.05 and Fcount > Ftable (2.774 > 2.50).