bluuebunny/crossref_metadata_2025 huggingface dataset:
Perilaku Produksi Islami pada IMK Produk Halal di Masa Pandemi: Studi Kasus Shofura
Authors: Gumansari Yusi , Huda Nurul , Rini Nova
Published: August 2022

According to the Islamic view, production is a human effort to achieve happiness in the world and the hereafter. The concept of production in Islam must pay attention to the principles according to Islamic Sharia and always maintain maqashid al-Sharia. Factors of production in Islam are generally the same as approaches in conventional economics, but with different perspectives. Production according to Islam must also pay attention to the benefit of the people by considering the alms variable. This paper aims to analyze the application of Islamic production behavior in Micro and Small Industries (IMK) that produce halal products, especially during the current pandemic. The research method used is the case study method, a qualitative research method based on human understanding and behavior based on differences in values, beliefs, and scientific theory, held at Shofura, IMK, a mukena producer located in South Jakarta. Based on the research, Shofura discovered has applied Islamic principles in its production behavior. Shofura is also feeling the impact of the pandemic and is making efforts to survive by focusing on online sales and premium mukena that targets the middle to upper consumer segment.

 

Keywords: Islamic Production Behavior; Production; Small Micro Industry; Halal Products; Pandemic
Pengaruh Manfaat NPWP Dalam PPH Pasal 21, Pemahaman Wajib Pajak, Kesadaran Wajib Pajak terhadap Kepatuhan Wajib Pajak: Studi Kasus pada Bank BNI Wilayah Jakarta BSD Tahun 2020
Authors: Rizkison Rizkison , Wibowo Martino , Rohim Abdul
Published: August 2022

The purpose of this study is to determine and analyze the effect of NPWP benefits in Income Tax Article 21, Understanding Taxpayers, Taxpayer Awareness of Taxpayer Compliance. This type of research is quantitative research that is research by obtaining data in the form of numbers or skin data that is framed by research methods in the form of data collection using a questionnaire. The data analysis model used is multiple linear regression analysis. The sample selection is done by purposive sampling. The sample amounted to 100 respondents, using multiple linear regression analysis. F Test results show that the calculated F value processed using SPSS is 178,823. Meanwhile the F table value seen in the Table of Values for the F Distribution is 2.73. Thus it can be said that the value of Fcount = 178.823> of Ftable = 2.73. The independent variable consisting of the benefits of NPWP in PPh article 21, understanding taxpayers, taxpayer awareness has a significant effect on tax compliance in the Jakarta BSD BNI Area. Partially the NPWP benefits in Income Tax article 21 have no positive and insignificant effect on taxpayer compliance because tcount (0.684) ttable (1.99394) and the significance value is above 0.05. The inconsistency of the research results with the hypothesis is suspected because the benefits of NPWP in PPh article 21 do not only occur in the BNI KCU Jakarta BSD environment, but generally occur in various regions and other areas. Partially understanding taxpayers has a positive and significant effect on taxpayer compliance because tcount (5.297) > ttable (1.99394) and the significance value is below 0.05. Partially awareness of taxpayers has a positive and significant effect on taxpayer compliance because tcount (5.268) > ttable (1.99394) and the significance value is below 0.05.

 Keywords: Benefits of NPWP in Income Tax Article 21, Understanding Taxpayers,   Taxpayer Awareness, Taxpayer Compliance.
Optimalisasi Wakaf Produktif untuk memperkuat sistem ketahanan pangan
Authors: Rahman Ripki Mulia , Tanjung Hendri , Ibdalsyah Ibdalsyah
Published: August 2022

Food is the right of every individual and the obligation of the state to ensure its availability. Relying on imports to maintain national food stability must be addressed by increasing national food production in order to have a wider impact not only on food security but also on economic security. The concept of food security is not limited to food availability either through production, warehouse stock or imports. Another thing to note is good storage management. Likewise with its accessibility, both through equitable and controlled distribution and the ability of the community to access the food. Communities must be guaranteed by the state to be able to meet their own food needs by providing food that is accessible to all groups or providing assistance so that people can access their food needs. This study uses a literature study method with a descriptive qualitative approach. The purpose of this study is to find an alternative model that covers all aspects of food security in facing the threat of a food crisis by making productive waqf an important element in strengthening the national food security system. Optimizing the potential of waqf with the support of zakat, infaq/alms is expected to be an alternative model for strengthening the existing food security system and have a positive impact on the availability of food stocks and their accessibility by the community.
Faktor-Faktor Yang Mempengaruhi Keinginan Konsumen Dalam Memilih Hotel Syariah Yogyakarta
Authors: Madalena Syahid , Kosim Ahmad Mulyadi , Sutisna Sutisna
Published: August 2022

The hotel is a large house which is a means of lodging for consumers who are traveling long distances. The hotel is included in a business that is engaged in the property sector and is developing in the service sector that provides services, lodging, eating and drinking. As the largest Muslim community in Indonesia, these activities must be considered halal, both in terms of facilities, waiters and others because there are some service accommodations that do not pay attention to the quality of halal. So the purpose of this researcher is to find out what most influences consumers in choosing Yogyakarta sharia hotels from the three variables of facility factors, service factors, and price factors on consumer decisions in choosing Yogyakarta sharia hotels. In order to provide knowledge and benefits to the halal industry in Indonesia to be more developed and advanced. This research approach uses quantitative primary data types by using validity and reliability tests, then using the Smirnov Kolgomornov normality test, and using Coefficients T test, Summary Model Test, and multiple regression test. In the Coefficients T test, the results of this study indicate that there is no significant effect on the facilities and price variables but there is a significant influence on the service variable on consumer decisions with a value of 0.000 <0.05 or T count 5.141 which means > from the T table value of 2.055 then Ho is accepted and Ha is rejected. The summary model test results show that there is an influential power between X1, X2, and X3 on Y of 0.557 or 55.7%.

 Keywords: Factors, Sharia Hotel, Consumer Desires
Tingkat Pemahaman dan Jasa Agen Dalam Meningkatkan Minat Calon Nasabah Menjadi Peserta Asuransi Syariah di PT Prudential Life Assurance Cabang Binjai Timur
Authors: Nasution Soibatul Aslamia , Yusrizal Yusrizal
Published: August 2022

Insurance agents play an important role for insurance businesses as they help them in marketing and selling their goods to potential customers. Due to the need for an insurance business representative, he or she must be familiar with the insured. Insurance products and how to sell insurance products are two topics that interest me. Even if an agent holds a sharia insurance license, this does not guarantee that he or she is competent. Based on the situation stated above, the following is the formulation of the problem to be written: 1. At PT. Prudential Life Assurance East Binjai Branch, how sensitive is the participant to sharia insurance? 2. Why might agents in the PT. Prudential Life Assurance East Binjai Branch be interested in becoming sharia participants? 3. How do you assess the level of understanding of PT. Prudential Life Assurance Binjai Timur Branch agents and agent services in relation to your desire to become a sharia insurance customer? The findings of the study are as follows: The level of comprehension of sharia insurance agents might be found in the medium or quite understanding groups because these agents are prospective insurance clients. The understanding category also includes the level of understanding of sharia insurance agents. Understand what sharia insurance is and how it might benefit you. Insurance agents' services are highly valued because they are the driving force behind insurance firms. Agents are needed in the community for a variety of reasons, including educating the public on how to learn about, understand, use, and enjoy life insurance services. At PT. Prudential Life Assurance Branch East Binjai, the importance of knowledge and the role of agents in business ethics is an endeavor to reconcile a company's strategic goals with the needs of morality.

 Keywords: Agent Understanding Level, Agent function ,Customer Interest
Pengaruh Kepuasan dan Kualitas Pelayanan Karyawan terhadap Loyalitas Konsumen 212 Mart Kota Tebing Tinggi
Authors: Silvia Tria
Published: August 2022

Pihak pengelola 212 Mart yang berada di Kota Tebing Tinggi belum mampu melaksanakan program kerja. Disisi lainnya, masih minimnya fasilitas yang dimiliki oleh koperasi seperti halnya kurangnya persediaan toilet, produk yang belum tersedia, wilayah parkir sempit, kulkas untuk menyimpan berbagai cadangan minuman.  Sementara banyak dari masyarakat yang masih belum mengenal keberadaan koperasi ini dengan baik. Adapun tujuan dari pelaksanaan penelitian yakni untuk memahami terkait pengaruh kepuasan terhadap loyalitas pelangan, kemudian memahami pengaruh kualitas layanan karyawan, dan memahami pengaruh kepuasan serta kualitas layanan yang terdapat pada 212 mart Tebing Tinggi. Sementara metode pengumpulan data dilaksanakan dengan berbagai tahapan seperti halnya observasi, wawancara serta dokumentasi. Disisi lainnya, sumber data dalam pelaksanaan penelitian ini dengan memanfaat data primer dan juga sekunder. Dalam menganalisa data, penelitian mengimplementasikan pendekatan secara deskriptif dengan cara melaksanakan pengkajian terhadap sistem koperasi. Dari hasil penelitian ini dapat diperjelas bahwa kesimpulan dari pengaruh kepuasan serta kualitas layanan terhadap loyalitas pelanggan 212 Mart dengan T hitung bernilai lebih dasar jika dibandingkan dengan T tabel, yang kemudian dapat diperjela H01 akan ditolak, sementara Ha1 diterima. Maka variabel kepuasan secara parsial mampu memberikan pengaruh kepada loyalitas konsumen 212 mart. Dalam pelaksanaan Uji f pada variabel kualitas layanan yang mana T hitung hitung bernilai lebih besar daripada T tabel, sehingga diketahui H02 ditolak, sementara Ha2 diterima. Sehingga dapat diperjelas bahwasannya kualitas layanan secara parsial memberikan pengaruh terhadap loyalitas pelanggan 212 mart. Berdasarkan uji F tersebut dapat diperjelas besar F lebih besar  jika dibandingkan dengan F tabel, sehingga H03 ditolak, sementara Ha3 diterima, maka dapat diperjelas bahwa kepuadan dan kualitas pelayanan memberikan pengaruh stimulan terhadap loyalitas pelanggan 212 Mart Tebing Tinggi
Analisis Biaya Anggaran Dalam Kegiatan Pemberdayaan Masyarakat di Kelurahan Titi Papan Dalam Program Pelatihan Tata Rias
Authors: Putri Harahap Nabila Ananda
Published: August 2022

Studi ini bertujuan guna menggali peran pemerintah di Kelurahan Titi Papan pada tahap pemberdayaan masyarakat. Studi ini memakai pendekatan desktiptif kuaitatif dan studi kepustakaan (library research) yang di laksanakan di Kelurahan Titi Papan, Medan, Sumatera Utara. Informan dalam penelitian ini terdiri dari institusi “Fakultas Ekonomi dan Bisnis Islam, UIN Sumatera Utara”. Hasil penelitian menunjukkan peran pemerintah guna berdayakan masyarakat Titi Papan. Pada sektor ekonomi, lewat pelatihan bisa perdayakan masyarakat yang diimplementasikan dan dikembangkan baik secara individu maupun berkelompok. Pelatihan tata rias tersebut bertujuan untuk meningkatkan keterampilan maupun juga daya saing, baik secara internal maupun eksternal guna menjaga pembangunan kemandirian ekonomi di Kelurahan Titi Papan.
Peranan Dinas Ketahanan Pangan dan Peternakan Dalam Rangka Meningkatkan Kesejahteraan Peternak
Authors: Arrahman M. Iqbal
Published: August 2022

Penelitian ini bertujuan untuk mengetahui Peranan Dinas Ketahanan Pangan dan Peternakan Artikel Dalam ini Rangka Meningkatkan Kesejahteraan Peternak Melalui Pelaksanaan kegiatan usaha peternakan, Meningkatkan Produktivitas para peternak, meningkatkan pendapatan peternak serta kendala-kendala yang dihadapi Dinas Peternakan dalam meningkatkan kesejahteraan peternak. penelitianini menggunakan jenis penelitian deskriptif kualitatif. Analisis data yang digunakan adalah analisis data deskriptif kualitatif yaitu pertama dilakukan dengan caramengumpulkan data melalui wawancara langsung. Hasil penelitian ini dapat disimpulkan dalam peningkatan kesejahteraan peternak belum sepenuhnya berjalan dengan baik, karena masih memerlukan perhatian dan bimbingan kepada peternak mengingat masih rendahnya pengetahuan dan pengalaman yang dimiliki peternak serta masih kurangnya bantuan fasilitas peternakan.Hal ini terlihat dari pelaksanaan kegiatan usahatani. Perlu peran aktif dari setiap bagian di dalam Dinaspeternakan untuk mewujudkan cita-cita tersebut. Kendala-kendala yang dihadapi Dinas Peternakan yaitu pelayanan kesehatan hewan, penyediaan bibit unggul, dan lain lain.
Atypical Konsep Promosi sesuai Perspektif Syariat Islam
Authors: Hasibuan Lempang
Published: August 2022

Tujuan dari penelitian ini adalah untuk mengetahui bagaimana promosi yang diajarkan dalam Islam dengan mengangkat kasus yang ramai di Indonesia saat ini. Metode penelitian menggunakan konseptual karena penelitian ini mengupas dari beberapa penelitian serta berita. Data diperoleh melalui berita, jurnal, artikel, dan buku. Hasil penelitian ini adalah bahwa perusahaan Holywings tidak sesuai dengan promosi yang diajarkan dalam Islam. karena terdapat unsur menjelekan nama yaitu Muhammad dan Maria. Selanjutnya UMKM yang menggunakan nama usaha dengan sebutan ekstrim seperti Mie Setan, Mie Iblis, Es Pocong dan lain sebagainya dinyatakan tidak boleh. MUI selaku lembaga yang memiliki wewenang di Indonesia menyatakan bahwa pada Nomor 4 Tahun 2003 tentang standarisasi Halal menyebutkan bahwa segala usaha yang menggunakan nama yang tidak baik seperti Mie Setan, Mie Iblis dan Es Pocong tidak dapat memiliki sertifkat halal, mengingat hal tersebut melanggar syariat Islam.
Analisis Strategi Dinas Tenaga Kerja Provinsi Sumater Utara terhadap Pemenuhan Upah Minimum Regional (UMR) bagi UKM di Kota Medan
Authors: Tanjung Irhamna , M. Nawawi Zuhrinal
Published: August 2022

Regional Minimum Wage, namely Territorial The lowest wage permitted by law is the basic standard carried out by business actors or industry players to provide salaries to workers or workers who work in actual workplaces. Which includes Small and Medium Enterprises (SMEs) are cafes, general traders, the small business sector, sellers (clothing), drug stores and others. The problems studied are how to determine the lowest wage according to the province's decent living needs (KHL), what are the obstacles for small and medium enterprises in providing compensation under low-wage areas, and what is the government's role in implementing the UMR in Medan city? authority to implement regional minimum wages for small and medium enterprises. This study uses a juridical regularization methodology, more specifically by taking stock, researching and investigating and also studying the law as a set of positive guidelines or standards in the whole series of laws governing human existence, utilizing supporting information, especially work regulations, and salary guidelines. take references from books, journals and others related to the issues raised. The duties of public bodies in implementing the regional minimum wages permitted by law have been regulated in Regulation No. 13 of 2003 concerning Manpower.

Keywords: UMR, UKM, Manpower Office
Analisis Profitabilitas pada Perusahaan Farmasi di Bursa Efek Indonesia Tahun 2016-2020
Authors: Maulia Hasanudin Hesti , Takarini Nurjanti
Published: August 2022

Analysis of the profitability of a company is a very important activity because the results will be related to the development and implementation of future operational evaluations of the company. In addition, it is also one of the factors that support the description of a company's performance. In this study, the researcher wants to analyze the correlation or influence of factors in the form of activity, liquidity, leverage, and company size on increasing company profitability, especially the pharmaceutical sub-sector on the Indonesia Stock Exchange 2016-2020. The methodology used is quantitative using multiple linear regression analysis model. The results showed that the activity proxied by TATO (Total Assets Turn Over) did not contribute and had a negative direction on profitability. Then, Liquidity which is proxied by CR (Current Ratio) contributes and has a positive direction. Meanwhile, Leverage which is proxied by DAR (Debt to Assets Ratio) contributes and has a negative direction. Last but not least, Company Size as a proxy for SIZE (Ln Total Assets) does not contribute and has a positive direction on the profitability of pharmaceutical sub-sector companies listed on the Indonesia Stock Exchange for the 2016-2020 period.

Keywords: Profitability, Activity, Liquidity, Laverage, Firm Size
Faktor – Faktor yang Mempengaruhi Return on Asset PT. Bank Syariah Indonesia KCP Iskandar Muda
Authors: Sinuhaji Endo Masika , Yanti Nur Santri
Published: August 2022

Analysis of profitability developments is one of the indicators carried out by banks to see or detect the magnitude of changes in the results of transactions carried out. Among them, measuring the level of profitability by measuring return on assets (ROA). The reason for using Return on Assets (ROA) to measure bank profitability is because Bank Indonesia, as a banking supervisor, prioritizes the profitability of a bank as measured by assets. Most of its funds come from public deposits. The higher the bank's profit, the better the bank's position on the use of assets. Therefore, ROA is used in this study as an indicator of the financial performance of Islamic banks.

Keyword: Profitability, Return on Assets, Islamic Bank
Determinan Proporsi Dana Tabarru’ pada Lembaga Keuangan Asuransi Jiwa Syariah
Authors: Harahap Atika Suryani , K. Kamilah
Published: August 2022

Financial management in Islamic insurance companies uses a split fund system. It is also supported by PMK Number 18/PMK.010/2020, which emphasizes that operators or sharia insurance companies must separate wealth by tabarru' fund obligations from the obligations and assets of company funds. The separation of funds has been carried out since participants pay contributions (premiums) at the beginning of the transaction. The purpose of this study is to analyze the factors that influence the proportion of tabarru' funds in Sharia Life Insurance companies. This research is a quantitative research, and the source of the data obtained is secondary data. The population is 21 Sharia Life Insurance companies registered with OJK. The sample of this study uses a purposive sampling technique by producing 16 sharia life insurance companies registered with the OJK, using annual financial statements according to the variables used during the period (2017-2019). Data analysis uses panel data regression analysis with fixed effects model which is processed using eviews 9. The findings from this research show that claims, sharia reinsurance, and operating expenses have a significant effect, while the growth of tabarru' funds and investment returns of tabarru' funds have no significant effect. With the coefficient of determination (R square) 0.775396 which means claims, sharia reinsurance, operating expenses, growth of tabarru' funds and investment returns of tabarru' funds can explain 77% of the proportion of tabarru' funds and the rest is influenced by other variables outside the study..

Keywords: Proportion of Tabarru' Funds, Sharia Life Insurance, Separation of Funds
Analisis Kinerja Underwriter Dalam Menentukan Calon Peserta pada Produk Dana Pensiun:
Authors: Imawanti Yuki Dian , Lubis Fauzi Arif , Atika Atika
Published: August 2022

Insurance is a series of processes related to the supply of services needed by the community in quality. The magnitude of the influence of insurance on the sustainability of a company also makes the insurance process a good risk control. Without good handling, the impact on performance will be very large. This study uses qualitative research. Qualitative research is research that emphasizes the aspect of in-depth understanding of a problem rather than looking at the problem for generalization research. Underwriter performance assessment is carried out by the company leadership by considering the results of meetings of superiors, staff groups, committee decisions, field reviews and subordinates or colleagues. : a. Quality of work b. Work quantity c. Reliable d. Cooperative work

Keywords: AJB Bumiputera 1912, Pension Fund and Underwriter
Pengaruh Pemanfaatan Media Sosial, Kreativitas dan Modal Usaha terhadap Keberlanjutan Bisnis UMKM Milenial di Kota Medan
Authors: Anggraini Adisty , Nawawi Zuhrinal M.
Published: August 2022

his examination was expected to research the impact of the utilization of virtual entertainment, imagination, and business capital on the supportability of the Millennial Micro, Small and Medium Enterprises (SMEs) business in Kota Medan. All SMEs in Kota Medan were picked as the populace and 73 respondents were utilized in this examination. Information was tried through a few cycles, for example, legitimacy test, dependability tests, the exemplary supposition test as the ordinariness test, heteroscedasticity test and multicollinearity test. For testing the speculation, numerous straight relapse examination with the assistance of SPSS Statistics 20 For Windows programming. The consequences of this study show that, (1) the utilization of web-based entertainment meaningfully affects Millennial SMEs business supportability, (2) innovativeness has a positive and massive impact towards Millennial SMEs business manageability, and (3) business capital has a positive and tremendous impact towards Millennial SMEs business maintainability.

Keywords: Utilization of Social Media, Creativity, Business Capital, and Business Sustainability.
Hubungan Persepsi dan Preferensi Atasbagi Hasil Pembiayaan Mudharabah Musytarakah terhadap Minat Menjadi Peserta Asuransi Syariah
Authors: Meha Marianti , Ramadhan Muhammad , Nasution Juliana
Published: August 2022

Insurance is a way or method to maintain humans in avoiding risks, various dangers that will occur in their lives, in the course of their life activities or in their economic activities. Sharia insurance is a business that protects and helps each other between several parties through investments in the form of assets or tabarru' which provides a pattern of returns used to deal with certain risks through contracts in accordance with sharia principles. This study aims to determine the relationship between perceptions and preferences of the profit sharing of mudharabah financing on the interest in becoming participants in sharia insurance for high school teachers of the Smart Pure Islamic Education Foundation, either partially or simultaneously. The method used in this study is a quantitative method. The population of this study was conducted on teachers in one high school in Medan, North Sumatra with a sample of 65 teachers. Using primary data and distributing questionnaires and multiple regression analysis methods using hypothesis testing. The results of this study simultaneously from the variables of perception and preference for mudharahmusytarakah financing have a significant effect on interest. then partially perception and preference variables affect the interest in becoming a participant of sharia insurance.

Keywords: Perception, Preference, Interest, MudharabahMusytarakah, Sharia Insurance
Pengaruh Pengetahuan dan Religiusitas terhadap Minat Mengikuti Asuransi Dana Pendidikan pada Perusahaan Asuransi Syariah
Authors: Sari Indah , Sirait Nurbaiti , Inayah Nurul
Published: August 2022

Education insurance is a type of insurance that provides protection the cost of education to the cost of children's education. The aim of this study to determine the effect of knowledge and religiosity on interest using education fund insurance at sharia insurance companies in the teachers in one of the senior high schools in North Sumatra are partially good or simultaneously. The method used in this research is quantitative method. The population of this study was conducted on teachers in one of the one Senior High School in North Sumatra with a sample of 65 teachers. Using primary data by distributing questionnaires and analytical methods multiple regression using hypothesis testing. The results of this study simultaneously from the variables of knowledge and religiosity have a significant effect on significant to interest. Then partially knowledge variable too has an effect on interest and the variable of religiosity itself also has an effect significantly on the interest in using education fund insurance in Islamic insurance company.

 Keywords: Knowledge, Reliosity, Interest, Sharia Insurance.
Analisis Implementasi Strategi Pemasaran Asuransi Pendidikan Mitra Iqra Plus Dalam Kajian Asuransi Syariah
Authors: Andriani Atika , Ramadhani Sri , Harahap Rahmat Daim
Published: August 2022

Mitra Iqra Plus is one of the products owned by PT. Bumiputera Sharia Life Insurance, KPS Medan, which aims to help fund children's education. The purpose of this study was to determine the implementation of Mitra Iqra Plus' educational insurance marketing strategy in the study of sharia insurance at PT Asuransi Jiwa Syariah Bumiputera, KPS Medan, the application of sharia principles in the implementation of marketing life insurance products at PT Asuransi Jiwa Syariah Bumiputera, KPS Medan, and challenges in implementing sharia. marketing conducted by PT Asuransi Jiwa Syariah Bumiputera, KPS Medan. This type of research uses qualitative research. Data collection techniques in the form of interviews, observations, and documentation. The data analysis technique used is to reduce the data, present the data, then draw conclusions. The results show that PT Asuransi Jiwa Syariah Bumiputera, KPS Medan implements according to sharia marketing principles starting from Wisdom (Strategy), Needs (Needs), Halal (Tayyibat), Welfare (Falah), Mutual Consent. The inhibiting factors in implementing the Mitra Iqra Plus educational insurance marketing strategy are the lack of public knowledge about sharia insurance, lack of public trust in sharia insurance, lack of agents and customers who are difficult to collect for premium payments. The challenge is the lack of technology development, the weak market share of PT. AJS Bumiputera due to lack of support from the government and the community.

Keywords: Implementation of Sharia Marketing Strategy, Mitra Iqra Plus, Sharia Insurance.
Analisis Peran Undewriter Dalam Menyeleksi Risiko pada Produk Asuransi Kesehatan:
Authors: Mutia Frissai Gusminar , Lubis Fauzi Arif , Syarvina Wahyu
Published: August 2022

This study aims at the role of the underwriter in selecting the risk of health insurance products, knowing the obstacles encountered by the underwriter in selecting the risk and the solutions applied to overcome these obstacles, and knowing the underwriting process of group health insurance at AJB Bumiputera Medan. The type of research used is descriptive research, with a qualitative approach. The conclusions of this study briefly are: (1) Underwriters have an important role in insurance companies because underwriters determine whether the insurance coverage can be accommodated by the company or not. (2) Obstacles encountered by underwriters in selecting risks are the availability of incomplete participant data, previous experience data of the insured and prospective insured not providing the desired budget and benefits, while the solution is to contact the agent concerned to obtain additional information needed by the underwriter, apply analysis to groups of prospective insurance participants as new participants, and provide standard premium rates and benefits. (3) The underwriting process begins when marketing applies for SPPA until the issuance of the policy.

Keywords: Underwriting, Underwriter, Group Health Insurance
Pengaruh Kegiatan Promosi Terhadap Keputusan Pembelian Konsumen Pada Produk Hana Collection
Authors: Rizka Zahra Audina , M. Nawawi Zuhrinal
Published: August 2022

This study focuses on how the influence of promotional activities on consumer purchasing decisions on Hana Collection products. The purpose of this study is to determine how much influence promotional activities have on consumer purchasing decisions on Hana Collection products. The method used in this research is to use a qualitative method, namely by understanding the phenomenon of what is experienced by the research subjects as a whole by way of description. The results of the research achieved are that Hana Collection is more dominant in carrying out promotional techniques through social media, because nowadays it is more advanced and the era of gadgets. Various promotional techniques on social media are carried out by Hana Collection, namely by doing giveaways, giving discounts (discounts) and also giving cashback to consumers.

Keywords: Promotion, Purchase decision, Consumer
The Impact of Islamic Capital Market Literacy, Financial Behavior, and Income on the Interest to Invest in Islamic Capital Markets among Generation Z: Case Study on Gunadarma University Students
Authors: Arifin Zaenal , Rizky Rizaldy Muhamad
Published: August 2022

This study aims to determine the effect of Islamic capital market literacy, financial behavior, and income on the interest in investing in the Islamic capital market among generation Z. The research type and method used is quantitative research. The data used is primary data collected using an online questionnaire containing questions related to the variables, spread among Gunadarma University students as respondents. This study uses multiple linear regression analysis with a non-probability sampling technique assisted by statistical tools SPSS version 25. The results of this study indicate that partially Islamic capital market literacy variables (X1) and financial behavior (X2) have a significant effect on interest in investing in Islamic capital market. However, income (X3) has no partial effect on interest in investing. Meanwhile, simultaneously, the variables of Islamic capital market literacy, financial behavior, and income have an influence on interest in investing in the Islamic capital market. The results of this study emphasize the importance of increasing financial literacy to increase the involvement of Generation Z in the Islamic financial system, by intensifying socialization and education programs, in this case on the Islamic capital market.

Keywords: Islamic Capital Market Literacy; Financial Behavior; Income; Interest to Invest; Gen Z
Peran Dinas Tenaga Kerja Mandailing Natal dalam Meningkatkan Kewirausahaan Produktif Stimulasi Ekonomi pada Masa Covid-19
Authors: Hasibuan Maysaroh , Arif Muhammad
Published: August 2022

This research is expected to find out the role of Mandailing Natal Manpower Office in Improving Entrepreneurship Productive Economic Stimulation During the COVID-19 Period. The benefits of this exploration can expand information and familiarity with the region and the government in providing employment, especially during the COVID-19 period, meeting needs and expanding beneficial business ventures and financial feelings in Mandailing Natal. A subjective examination strategy which means to get the peculiarities of what the exploration subject is capable of, for example behavior, wisdom, inspiration, activity, and so on, comprehensively and expressively such as words and language, in extraordinary settings usually by using language. different. The results of the study show that the role of the Mandailing Natal Manpower Office in Increasing Economic Stimulation Productive Entrepreneurship during the COVID-19 period, really involves or fosters business visionaries who are under it with various projects that are used as a way to reduce quantity. unemployment and make serious and prevalent business people. It's just that during this COVID-19 period, the Mandailing Natal Manpower Office experienced problems, namely in persuading business people because they could not hold meetings to understand their misunderstandings with the business they were in. The progress expected by the Mandailing Natal Manpower Office or everyone else could not be felt directly or thus the Manpower Office could not immediately work on broad government assistance.

Keywords: Department of Manpower, Entrepreneurship, COVID-19
Pengaruh Kesehatan Mental Siswa terhadap Motivasi Belajar di SMK Farmako Medika Plus
Authors: R. M Dahlan , Alfipah Mulan
Published: August 2022

The purpose of this study was to determine the effect of mental health on learning motivation at SMK Pharmako Medika Plus. Innthissstudy, aaquantitativeeapproachwwas useddwithhtheecorrelational research method. Total population 44 students. The statement questionnaire was developed in 30 items and given to each sample, after conducting validity and reliability tests, linear regression analysis was carried out in SPSS 26. The resultssshoweddthat thereewassa moderate or sufficient effecttbetweennmental health on learning.motivation at SMK Pharmako Medika Plus, this is obtained from the rxy result of 0.688.

Keywords: Learning, Mental Health, Motivation
Kepemilikan Manajerial dan Kualitas Laba Perusahan Manufaktur di Indonesia
Authors: Modeste Niwat Karolina
Published: August 2022

This study aims to examine the effect of company size, information asymmetry, managerial ownership and profitability on earnings quality. The population in this study are manufacturing companies listed on the Indonesia Stock Exchange (IDX) for the 2016-2019 period. The sampling technique used purposive sampling method. The total sample that meets the criteria is 63 companies and the analysis method uses the SPSS statistikal application. The independen variables ini this study  are company size, information asymmetry, managerial ownership and profitability. The dependent variable in thus study is earnings qualit. The resukts of thus study indicate that firm size has a positive effect on earnings quality, information asymmetry has a negative effect on earnings quality, managerial ownership and profitability have a positive effect on earnings quality.

 

Keywords :  company size, information asymmetry, managerial ownership and profitability.
Kepemilikan Manajerial dan Kualitas Laba Perusahan Manufaktur di Indonesia
Authors: Niwat Karolina Modeste , Erawati Teguh
Published: August 2022

This study aims to examine the effect of company size, information asymmetry, managerial ownership and profitability on earnings quality. The population in this study are manufacturing companies listed on the Indonesia Stock Exchange (IDX) for the 2016-2019 period. The sampling technique used purposive sampling method. The total sample that meets the criteria is 63 companies and the analysis method uses the SPSS statistikal application. The independen variables ini this study  are company size, information asymmetry, managerial ownership and profitability. The dependent variable in thus study is earnings qualit. The resukts of thus study indicate that firm size has a positive effect on earnings quality, information asymmetry has a negative effect on earnings quality, managerial ownership and profitability have a positive effect on earnings quality.

 Keywords :  company size, information asymmetry, managerial ownership and profitability.
Pengaruh Lingkungan Kerja terhadap Kepuasan Kerja Pada PT. Dhamar Tunggul Wulung Kota Kediri
Authors: Dharmawan Bagus Helmi , Nugroho Rusdi Hidayat
Published: August 2022

The purpose of this study was to examine the effect of the physical work environment and non-physical work environment on job satisfaction either simultaneously or partially. The approach used in this study is quantitative with a saturated sampling technique of about 30 respondents from office employees at PT. Dhamar Tunggul Wulung Kediri City, and data collection using questionnaires with Likert scale measurements. Multiple regression analysis using SPSS software version 25 for windows was used to test the hypothesis of the study. The results of this study indicate that the physical work environment and non-physical work environment simultaneously or jointly have a significant effect on employee job satisfaction, the physical work environment has a positive and significant effect on employee job satisfaction, while the non-physical work environment has no significant effect on employee job satisfaction. . The value of the coefficient of determination in this study is 72.7%, this means that this research model can explain 72.7% of employee job satisfaction, while the remaining 27.3% is explained by other variables not explained in this study.

Keywords: Physical Working Environment, Non-Pyhsical Working Environment, and Employee Satisfaction
Analisis Pengaruh Experiential Marketing terhadap Loyalitas Pelanggan melalui Kepuasan Pelanggan sebagai Variabel Intervening:
Authors: Trilaksono Agung Irsyad , Prabowo Budi
Published: August 2022

This study aims to determine: (1) the effect of experiential marketing on Gojek customer satisfaction; (2) the effect of experiential marketing on Gojek customer loyalty. The population of this study are consumers who have used the Gojek application in the Surabaya area. The number of samples in this study were 100 respondents. The sampling technique was purposive sampling with the criteria of consumers aged ± 17 years and over and had used the Gojek application service more than once in the Surabaya area. Data analysis technique using Partial Least Square with software smartPLS 3.0. The results of this study indicate that experiential marketing has a positive and significant effect on customer satisfaction. Likewise, experiential marketing has a positive and significant effect on customer loyalty. indirectly experiential marketing has a positive and significant effect on customer loyalty through customer satisfaction.

Keywords: Experiential Marketing, Customer Satisfaction, Customer Loyalty.
Pengaruh Citra Merek dan Kepercayaan Merek terhadap Loyalitas Merek Lipstik Wardah:
Authors: Alfia Nur , Dwiridotjahjono Jojok
Published: August 2022

Business development in Indonesia is experiencing intense competition in various sectors, one of which is the cosmetic industry in Indonesia, namely Wardah. One of the beauty products produced by Wardah is lipstick. Wardah is one of the well-known brands and has won the trust of consumers who have received SJH from LPPOM MUI. This study aims to determine how much influence Brand Image and Brand Trust have on Brand Loyalty to Wardah Lipstick customers in Surabaya. The population in this study were 100 respondents who had purchased and used Wardah lipstick in the city of Surabaya. The research method is descriptive quantitative. The sampling technique used is purposive sampling technique with the criteria that Wardah lipstick consumers are domiciled in the city of Surabaya and are at least 17 years old. The data analysis technique used is multiple linear regression analysis. The results of this study indicate that the Brand Image (X1) and Brand Trust (X2) variables simultaneously have a significant effect on Brand Loyalty (Y), the Brand Image (X1) variable partially has a positive and significant effect on Brand Loyalty (Y), and the Trust variable Brand (X2) partially positive and significant effect on Brand Loyalty (Y).

Keywords: Brand Image; Brand Trust; Brand Loyalty
Pengaruh Citra Merek dan Kepercayaan Merek terhadap Loyalitas Merek Lipstik Wardah
Authors: Alfia Nur , Dwiridotjahjono Jojok
Published: August 2022

Business development in Indonesia is experiencing intense competition in various sectors, one of which is the cosmetic industry in Indonesia, namely Wardah. One of the beauty products produced by Wardah is lipstick. Wardah is one of the well-known brands and has won the trust of consumers who have received SJH from LPPOM MUI. This study aims to determine how much influence Brand Image and Brand Trust have on Brand Loyalty to Wardah Lipstick customers in Surabaya. The population in this study were 100 respondents who had purchased and used Wardah lipstick in the city of Surabaya. The research method is descriptive quantitative. The sampling technique used is purposive sampling technique with the criteria that Wardah lipstick consumers are domiciled in the city of Surabaya and are at least 17 years old. The data analysis technique used is multiple linear regression analysis. The results of this study indicate that the Brand Image (X1) and Brand Trust (X2) variables simultaneously have a significant effect on Brand Loyalty (Y), the Brand Image (X1) variable partially has a positive and significant effect on Brand Loyalty (Y), and the Trust variable Brand (X2) partially positive and significant effect on Brand Loyalty (Y).

Keywords: Brand Image; Brand Trust; Brand Loyalty
Pengaruh Hasil Belajar Dasar Listrik dan Elektronika, Motivasi, dan Kesiapan Siswa terhadap Hasil Praktik Kerja Industri:
Authors: Prabustya Roga Dinar , Fatkhurrokhman Mohammad , Dharmawan Ilham Akbar
Published: August 2022

This research is a type of quantitative research that aims to determine whether there is an effect of practical learning outcomes, student motivation and student readiness on the results of industrial work practices for students in the Electrical Power class SMKN 2 Serang City and how big the effect is. The research method used is quantitative research which consists of 4 variables, namely Basic Electrical and Electronics Learning Outcomes (X1), Learning Motivation (X2), Student Readiness (X3), Industrial Work Practice Results (Y). The data were taken using questionnaires, tests, and final grades of students which were then processed using the SPSS data analysis application. The results of the study show that there is no effect between basic electrical and electronic learning outcomes on industrial work practice results with a value of sig (0.279 > 0.05), student learning motivation has an influence on students' industrial work practice results with a value of sig (0.026 < 0.05), student readiness has an influence on the results of industrial work practices with a sig value (0.045 < 0.05). Based on the results of the analysis showed that the basic learning outcomes of electricity and electronics, learning motivation and student readiness had an effect of 0.071 or 7.1% unit.

Keywords: The Influence Of Electricity And Electronics Basic Learning Outcomes, Students' Motivation, And Readiness On Industrial Work Practice Outcomes
Hemoroid Pada Kehamilan
Authors: Novianto Hanang , Rachmayanti Erma
Published: August 2022

Hemorrhoids during pregnancy is one of the problems that pregnant women often complain about. It is estimated that around 25-35 percent of pregnant women experience this condition, also known as hemorrhoids. Hemorrhoids during pregnancy usually begin to appear at week 25 or in the last trimester of pregnancy. Hemorrhoids in pregnant women are a physiological condition, so the therapy is aimed at overcoming complaints, namely with preventive measures and animation. New surgery is performed if the animation treatment is not successful.

Keywords: Hemorroid, Pregnancy
Pengaruh Fraud Pentagon Terhadap Fraudulent Financial Statement Dengan Komite Audit Sebagai Variabel Moderasi
Authors: Ayem Sri , Mas’adah Lu’lu’ul
Published: August 2022

This study aims to examine the factors which can affect the existence of a fraudulent financial statement that adds back the audit committee as a moderating variable in the study. The factors that will be tested in this study are the theory of fraud pentagon which consists of pressure, opportunity, rationalization, competence and arrogance. The research sample used is the infrastructure sector listed on the Indonesia stock exchange for the 2016-2020 period. The sample selection methodused purposive sampling method and produced 25 companies with 125 annual reports that were processed. In this study, the hypothesis used is logistic regression. The results of this study are empirically that pressure effect on fraudulent financial statement, opportunity, rationalization, competence and arrogance have on fraudulent financial statement. the audit committee cannot moderate the influence of pressure, opportunity, rationalization, competence and arrogance on fraudulent financial statements.

Keywords: fraud pentagon, fraudulent financial statement
The Use of Arabic with a Communicative Approach: A Sociolinguistic Review
Authors: M Mardhiyah , Jaeni Muhamad , Salamah Siti
Published: August 2022

The purpose of this study was to explore a sociolinguistic review of the use of Arabic with a communicative approach in Klego Village, East Pekalongan District, Pekalongan City. This research is a library research and is descriptive-analytic in nature whose data is taken from the results of excavation and searching of books and other references relevant to the research theme. then the data were analyzed by deductive and comparative methods. The results of the study indicate that the communicative approach in using Arabic is an approach that aims to develop communicative abilities and teaching procedures for the four language skills, namely listening, speaking, reading, and writing in a balanced way. The use of language skills with a communicative approach in terms of sociolinguistics contains the same content, namely the practical purpose of using language which is then applied in the real life of society. One of the non-linguistic factors that can affect the teaching of Arabic from a social context is a social phenomenon. While the social context itself is divided into several things, namely: home (residence), community (surrounding environment), schools, social gatherings and groups, mosque groups, play groups, and mass media.

Keywords: Sociolinguistics, Arabic language teaching, communicative approach.
Analisis Strategi Bersaing Dalam Pengembangan Bisnis pada Home Industri Eceng Gondok Wiwit Collection @Witrove_ Kecamatan Karang Pilang Kota Surabaya
Authors: Aprilia Purwannia Virara , Nirawati Lia
Published: August 2022

Competitive advantage becomes the endurance of a business in a competitive market to understand the value that can be created for the products offered in order to increase the attractiveness of the business. The purpose of the study was to determine the competitive strategy applied in business development at the home industry of water hyacinth Wiwit Collection @witrove_ Karang Pilang District, Surabaya City in an effort to face business competition. The research population is the resource person of the Wiwit Collection with a sample of resource persons on the criteria established by purposive sampling technique, which means that it is based on the research objectives. The data analysis technique used a SWOT analysis with the questionnaire method. The results showed that internal factors had a total weighted average of 1.31 with a strength factor of 4.24 and a weakness factor of 2.93, while the total external factor weighted average of 0.96 with an opportunity factor of 4.13 and a threat factor of 3.17. Wiwit Collection is in quadrant I implementing an aggressive strategy through the SO strategy which shows that the strengths and opportunities are relatively superior compared to the weaknesses and threats. While the WO and WT strategies can be used as an alternative, especially in the online marketing aspect.

 

Keywords: Competitive Strategy, Business Development, SWOT Analysis