bluuebunny/crossref_metadata_2025 huggingface dataset:
The Presidential Electoral System: A Philosophical Analysis
Authors: NUGROHO Rahmat Muhajir , SUDARSONO Sudarsono , ISTISLAM Istislam , SAFA’AT Muchamad Ali
Published: December 2022

The Republic of Indonesia’s Law no. 7 of 2017 requires presidential and vice-presidential candidates to be proposed by political parties that meet the requirements, namely obtaining at least 20% of the total Legislative House seats or nationally obtaining 25% of valid votes in the previous Legislative House election. This is not recognized in Article 6A paragraph (2) of the 1945 Constitution, the constitutional basis for nominating a president. This paper aims to provide a philosophical analysis on the presidential and vice-presidential electoral threshold. Results show that from a philosophical perspective, this threshold provisions eliminate the constitutional rights of the people and minor political parties to nominate presidential and vice-presidential candidates. There can only be a maximum of three political parties and the oligarch and large political parties will make sure that the candidates will only come from their parties. This threshold undermines the logic of the presidential system. In conclusion, philosophically the threshold limits the freedom of alternative candidates to nominate themselves in the presidential election. It will only give an opportunity for candidates from major political parties. Thus, the government and various parties must reconsider this law to protect the rights of the people as mandated by the constitution.
Religion and Law in the Post-Secular World: Cooperation Between the State and Religions in Legislative Activities
Authors: OVCHINNIKOV Alexey , FOMINSKAYA Marina , KONOPIY Anna , VASILIEV Anton
Published: December 2022

Because the post-secularity gradually becomes customary and shared by everyone, the authors conclude that it is necessary to recognize the important role of different religions in the lawmaking. The article attempts to analyze the influence of religious views and ideas on the modern law, including the impact of different religions on the modern legislative process. An important conclusion that the authors come to is that existing religions remain one of the most effective and active subjects of the civil society. Their role in the humanization of law remains traditionally significant, and the exclusion of religions from lawmaking during the period of theomachy in the USSR had a negative impact on the national legal culture and legal mentality of the Russian people.
The Issue of Regulating Human Rights and Freedoms in Modern Transforming Society
Authors: SERGEEVA Yulia , MISHINA Natalia , PATIULIN Georgii , MISHUROVA Olga , PANINA Tatiana , LIVANOVA Rimma
Published: December 2022

The development of the institute of human rights and civil freedoms in any state indicates the level of its own development, while the proper mechanism for implementing the norms that enshrine human rights and civil freedoms testifies to democracy, law and order, the legality and legal level of this state. The article aims at studying the legal mechanism for implementing and protecting human rights and freedoms in modern conditions. The authors of the article have revealed that the Russian society grows aware of human rights and freedoms, which can be regarded as the beginning of the spiritual revival of the Russian Federation. The ideology of rights is now generally recognized and required by both government and society. From the viewpoint of this ideology, the Soviet and post-Soviet views should be reassessed and projected onto the near and distant future. The authors have proved that the realization of individual rights is a complex and multifaceted phenomenon that includes not only the activities of law enforcement agencies but also the activities of individuals. They have also established that the individual’s activity in such implementation depends on the level of legal consciousness, legal culture and legal awareness.
The Philosophy of Assets Fair Value Presentation in Financial Statements
Authors: TSHUGHURYAN Armen , HAKOBYAN Armen , GRIGORYAN Liana , BAYADYAN Anna
Published: December 2022

Publication of companies’ financial statements is carried out in accordance with the requirements of International Accounting Standards, pursuit the aim of providing the reporting users with reliable decision-making information. The subject of research is scope of assets fair value philosophy, based on generally accepted principles in International Financial Reporting Standards (IFRS), in particular, on prudence approach The purpose of article is to give suggestions for improvement of assets in financial statements of organizations, taking into account the interests of the users of the report, avoiding as much as possible the overestimation of the disposed assets or the underestimation of the assumed liabilities. In addition, financial reporting standards also require the presentation of assets at fair value, which is somewhat contrary to the principle of prudence. Philosophical issues of asset valuation are discussed in the article, analyzing the range of valuation approaches of assets at fair value in the financial statements published by organizations. The results of the research are proposals for new philosophical approaches to the fair value assessment of the organization’s assets, according to which the current assets should be presented by market value, and the philosophy of valuation of non-current assets is to be based on the prudence concept.
Analisis Rasio Likuiditas dan Rasio Aktivitas dalam Meningkatkan Pertumbuhan Laba Pada PT. Siantar Top Tbk. yang Terdaftar di Bursa Efek Indonesia
Authors: Syah Arzal , Imam Muh. Abdi , Putri Putri , Asaff Rafiqah , Gaffar Andi Nurrahma
Published: December 2022

This study aims to determine and analyze the ratio of liquidity and activity ratios in increasing profit growth at PT Siantar Top Tbk. during 2015-2017. The data collection method used is the method of documentation and literature study. In analyzing the data the author uses quantitative analysis techniques in the form of financial reports listed on the Indonesia Stock Exchange which can be accessed through the official website www.idx.co.id and qualitative techniques. The data processing method used in this study is a non-statistical method, namely by using financial ratio formulas. The results of the analysis of the liquidity ratio and activity ratio of PT Siantar Top Tbk, show that the liquidity ratio for the current ratio in 2015 was 1.58 times, in 2016 it was 1.65 times, in 2017 it was 2.64 times, for the quick ratio in 2015 it was 1 .04 times, in 2016 it was 1.14 times, in 2017 it was 1.81 times. Meanwhile, the cash ratio in 2015 was 1.77%, in 2016 it was 4.44%, in 2017 it was 19.48%. Then the receivable turnover in 2015 was 19.70 times, in 2016 it was 15.84 times, in 2017 it was 28.05 times, for inventory turnover, in 2015 it was 8.52 times, in 2016 it was 9.39 times, in 2017 it was 9 .44 times, for working capital turnover in 2015 it was 2.90 times, in 2016 it was 2.86 times, in 2017 it was 2.98, for fixed asset turnover in 2015 it was 2.53 times, in 2016 it was 2.37, for 2017 was 2.51 times, and total asset turnover in 2015 was 1.32 times, in 2016 was 1.12 times, in 2017 was 1.20 times.
Upaya Pelaku UMKM Mempertahankan Bisnis di Masa Pandemi Covid-19
Authors: Sulehani Sulehani
Published: December 2022

This study aims to determine the implementation of Mas Kuning-Kuning market segmentation during the pandemic and to find out the Mas Kuning-Kuning market segmentation strategy during the Pandemic. The type of survey used in this survey is a qualitative descriptive method. A qualitative method is a research method that uses a natural data collection system to interpret the phenomena that occur when the researcher is the main tool. Sampling of permanent sources, combining sources from populations and collection techniques, information analysis tends to be descriptive and uses qualitative analysis, and the results of qualitative analysis are more meaningful than generalizations. Emphasize. Data collection technology through activities: documentation, interviews, observation. The data processing and analysis techniques that will be used in this study are started by collecting data, reducing data, presenting data and drawing conclusions. The results obtained from the research show that the implementation of market segmentation was carried out by Mas Kuning-Kuning where he divided consumers into 4 types of market segmentation. Where the 4 types of segmentation are behavioral segmentation, psychographic segmentation, demographic segmentation and geographic segmentation. The market segments chosen by Mas Kuning-Kuning during the Covid-19 pandemic were behavioral segmentation, psychographic segmentation, demographic segmentation and geographical segmentation. Of the four segments that are most focused on are geographic segmentation and behavioral segmentation. Consideration of choosing geographic and behavioral segmentation due to the pandemic.
Analisis Kelayakan Usaha pada Bisnis Pengelolaan Sagu (Usaha Sagu Pak Subadir di Desa Malimbu Kec. Sabbang Kab. Luwu Utara)
Authors: Tadjuddin Tadjuddin , Batjo Nurdin , Rismawati Rismawati
Published: December 2022

Pemanfaatan potensi sagu yang begitu besar di Kabupaten Luwu Utara Akan menguntungkan secara ekonomi, karena sagu sebagai produsen pati memiliki daya hasil pati tertinggi per satuan luas per satuan waktu sebesar 25 ton/hektar/tahun. Pemanfaatan pati kering sagu dengan luas komoditi tanaman sagu yang berproduksi mencapai 1.380 Ha apabilah dimaksimalkan dapat menghasilkan 34.500 ton/hektar/tahun dengan kisaran harga pati kering sagu sebesar Rp.2.400/kg. Banyaknya potensi yang dimiliki sagu tidaklah membuat sebagian besar para petani sagu di zaman sekarang memperthankan pekerjaan dibidang ini, kini di Kabupaten Luwu Utara banyak petani yang mengalih fungsikan lahan sagu yang dimiliki ke lahan pertanian lainnya. hal ini terjadi dikarenakan masa panen sagu dianggap cukup lama jika dibandingkan dengan pertanian lainnya. Penelitian ini bertujuan untuk menganalisis usaha sagu yang di jalakan oleh bapak subadir. Penelitian ini menggunakan metode studi kasus (case study). Responden dalam penelitian ini diproleh dengan menggunakan metode sampel jenuh (sensus). Sampel yang digunakan berjumlah 1 orang pengusaha sagu basah. Hasil penelitian ini menyatakan bahwa Pendapatan dari usaha sagu pak subadir di daerah penelitian rata-rata sebesar Rp. 13,997.120 dalam satu bulan dengan rata-rata biaya produksi sebesar 5.850.800 dan memproduksi sagu sebanyak 5.312 kg kg setiap bulannya. Analisis kelayakan usaha sagu basah dihitung dengan metode R/C Ratio dengan nilai 2,3 > 1 dengan kesimpulan setiap biaya 1 rupiah yang dikeluarkan memberikan penerimaan sebesar 2,3.
Analysis of Differences in Customer Satisfaction in Courier Service Business in Palopo City
Authors: Fasiha Fasiha , Nurfadilah Nurfadilah , Daming Mineliani Putri
Published: December 2022

This study discusses the Analysis of Customer Satisfaction with the Courier Service Business in Palopo City. This study aims: To find out how much the level of customer satisfaction has used package delivery services at Jne Ekspress, PT. Pos Indonesia, Jnt Ekspress in Palopo City, To find out whether there are differences in customer satisfaction at Jne Ekspress, Jnt Ekspress, PT. Indonesian Post in Palopo City. This type of research is quantitative research, which is comparative. The population is the courier service business customers Jne Express, Jnt Ekspress and PT. Indonesian Post in Palopo City. Taking a sample of 50 respondents from the three courier businesses using Roscoe's theory, as well as using accidental sampling. Data obtained through a questionnaire. Furthermore, this data was analyzed using Kruskal Wallis. The results of this study indicate that: Calculation of the level of customer satisfaction in the courier business where Jne Express Palopo City has a satisfaction level value of 81.1%, the satisfaction level value of Jnt Ekspress Palopo City is 88.7%, and at PT. Pos Indonesia, Palopo City, which is equal to 84.5%, from this conclusion it can be seen that Palopo City Express Express has the highest level of satisfaction among the three courier businesses, and by obtaining an Asymp.Sig i value of i0.006, the result is i0 smaller than the significant level i0 .05 i or i0.006 < 0.05, and it can be seen that there are differences in the satisfaction of the three courier businesses.
Analysis of Financial Ratios in the Drinking Water Company (PAM) Tirta Mangkaluku, Palopo City
Authors: S. Muh. Ikram , Suci Suci , Gaffar Andi Nurrahma , Nurjannah Nurjannah
Published: December 2022

This study aims to determine and analyze financial ratios (liquidity, solvency and profitability ratios) in the Drinking Water Company (PAM) Tirta Mangkaluku) Palopo City. The type of data used in this study is secondary data, where the data relates to the financial reports obtained from the Drinking Water Company (PAM) Tirta Mangkaluku Jalan Pongsimpin, Murante Village, Mungkajang District, Palopo City for the period 2014 – 2016. Based on the results of the study, it was found that Current The ratio cannot increase the added value of PAM Tirta Mangkaluku, Palopo City, but because the Current ratio (CR) is more than 100%. Thus, the company can pay off its current debt when billed. The Quick Ratio (QR) cannot increase the added value of PAM Tirta Mangkaluku Palopo and the results of current assets minus inventory are higher than current liabilities so that the company is able to pay off its current debts when billed. The debt to total asset ratio (DR) can increase the added value of PAM Tirta Mangkaluku, Palopo City, because the total assets are more than the total debt, so the company can pay off its total debt. The Debt to Equity Ratio (DER) can increase the added value of PAM Tirta Mangkaluku, Palopo City, because the total assets are more than the total debt, so the company can pay off its total debt. Economic Profitability (RE) cannot increase the added value of PAM Tirta Mangkaluku, Palopo City. Based on the calculation results of Own Capital Profitability (RMS) for the last 3 years from 2014 to 2016 there has been a fluctuating increase, the result is that Own Capital Profitability can increase added value to PAM Tirta Mangkaluku Palopo City.
The Role of Local Government in Empowering Micro, Small and Medium Enterprises in North Luwu Regency
Authors: L Arsyad , Setiawan Edi Indra , Damayanti Arka
Published: December 2022

This study aims to describe the local government's role and determine the factors driving and inhibiting SMEs' empowerment in the North Luwu Regency. Data collection techniques used are observation, interviews and documentation. The results of the research obtained are that the efforts of the Regional Government in empowering SMEs in North Luwu Regency have been guided by national laws and regulations, namely Law Number 20 of 2008. , facilities and infrastructure, business information, partnerships, business licensing, business opportunities, trade promotions, and institutional support. The government's efforts to strengthen business potential are carried out in several fields: production and processing, marketing, human resources, design and technology. The government's efforts in business protection are to suppress business competition, build the quality of MSMEs both in terms of products through the provision of facilities and infrastructure as well as grant assistance and increase the ability of human resources through entrepreneurship training programs and provide opportunities for MSME actors to enter retail- modern retail in North Luwu Regency. Several factors support the empowerment of SMEs in North Luwu Regency, namely human resources, capital and equipment assistance, natural resource wealth, and government policies. Apart from that, several factors inhibit empowerment in North Luwu Regency, namely budget constraints, human resources, the Covid-19 pandemic and the difficulty of road access to remote locations.
Allocation of Funds by Beneficiaries of the Family Hope Program for the Economic Independence of the Patila Community, North Luwu Regency
Authors: Herawati Fahira , Mursyid Mursyid , Sari Anita
Published: December 2022

This study aims to find out how to allocate funds for the Family Hope Program for economic independence in Patila, North Luwu Regency. The author uses data collection techniques through interviews, documents and documentation. By using this type of qualitative research using data collection methods carried out directly in the field (object of research). Subjects taken as respondents were 10 respondents who developed their business. Sources of data include primary data and secondary data. Primary data can be obtained through interviews with respondents.
Factors Influencing Women Entrepreneurs during a Pandemic: A phenomenological study in East Wiwitan Village, Lamasi District, Luwu Regency
Authors: Setiawan Edi Indra , Hijrati Sri
Published: December 2022

The Covid-19 pandemic, which has been going on for more than 2 years, has hurt people's welfare. The family economy, which is decreasing day by day, encourages women who are in East Wiwitan Village, Lamasi District, Luwu Regency, to work as a form of support to meet the economic needs of the family. The purpose of this research is to answer the problems of 1) the phenomenon of entrepreneurial women in the village of Wiwitan Timur Kec. Lamasi Kab. Luwu 2) the effect of income on women entrepreneurs 3) the effect of independence on women entrepreneurs 4) the influence of the husband's role on women entrepreneurs. The type of research used in this study is a type of qualitative and quantitative Mix Methods research. Qualitative data collection was carried out through interviews with 5 informants, while quantitative data was through distributing questionnaires to 57 samples of female entrepreneurs in the East Wiwitan Village, Kec. Lamasi Kab, Luwu. The results showed that 1) on average, women who are self-employed in East Wiwitan Village, Lamasi District, Luwu Regency are now willing to increase their role by working to help their husbands/families by means of entrepreneurship, such as snack businesses, culinary, mixed stalls. 2) the income variable (X1) has a significant effect on women who are entrepreneurs, the independent variable (X2) has a significant effect on women who are entrepreneurs, and the husband's role variable (X3) has a significant effect on women who are entrepreneurs in the village of East Wiwitan.
Marketing Mix Strategy in Increasing Customer Loyalty CV. Elmira Productions
Authors: Jabani Muzayyanah , Muang Muh. Shadri Kahar , Rahman Muhammad Hidayatur
Published: December 2022

This study discusses how the Marketing Mix Strategy in Increasing Customer Loyalty at CV. Elmira Productions. This study aims to determine the marketing strategy implemented by CV Elmira Production through marketing mix and SWOT analysis in increasing consumer loyalty. The subject of this research is the owner of CV Elmira Production. Data collection techniques carried out by researchers were interviews and documentation directly to the business owner. Besides that, there is additional data from reading books and also other sources related to the research title. The data obtained from the results of data collection are then analyzed using SWOT analysis to find out what are the Strengths, Weaknesses, Opportunities, as well as threats from the marketing strategy undertaken by the company. In addition, the results of the SWOT analysis research are shown by the Cartesian diagram calculation results that CV. Elmira Production is in quadrant I, which is aggressive with the implementation of a Growth Oriented Strategy which is a very profitable situation for the company. Where, the company has the power so that it can take advantage of existing opportunities.
Peran Lembaga Keuangan dalam Mendorong Usaha Kecil dan Menengah di Masa Pemulihan Pandemi Covid-19 (Studi Kasus Kawasan Wisata Religi Makam Gus-Dur)
Authors: Mafawiz Kisan , Haryanti Peni
Published: December 2022

The COVID-19 pandemic has made UMKM activists at Gus Dur's grave experience very minimal income due to the lack of visitors. In November 2021, the religious tourism area of Gus Dur's tomb was reopened, and the situation of micro, small and medium enterprises there was not very normal, where traders needed capital to restart their businesses and save for urgent needs. Therefore, the purpose of this study is to determine the situation of micro, small and medium enterprises during the recovery period from the COVID-19 pandemic and the role of financial institutions. This study uses a qualitative method with a case study approach adapted from Robert K. Yin. The results of this study indicate that although the situation there is not normal and financial institutions function as fund collectors and fund distribution.
Pengaruh Promosi, Harga dan Citra Merek Terhadap Loyalitas Pelanggan Pada Toko Mrs. Sheshop Tulungagung
Authors: Dwi Rahayu Endar , Subagiyo Rokhmat
Published: December 2022

Persaingan antar bisnis semakin ketat saat ini. Oleh karena itu, para pelaku bisnis harus mengatur manajamen pemasarannya tepat. Demi dapat mempertahankan dan meningkatkan usahanya tetap berjalan dengan baik maka dengan bersaing dengan bisnis lainnya perlu melakukan stategi yang tepat yang dapat digunakan untuk mengembangkan bisnisnya. Rumusan masalah dalam penelitian ini adalah 1). Apakah promosi berpengaruh signifikan terhadap loyalitas pelanggan pada toko MRS. Sheshop Tulungagung?, 2) Apakah harga berpengaruh signifikan terhadap loyalitas pelanggan pada toko MRS. Sheshop Tulungagung?, 3) Apakah citra merek berpengaruh signifikan terhadap loyalitas pelanggan pada toko MRS. Sheshop Tulungagung?. 4) promosi, harga dan citra merek secara simultan berpengaruh terhadap loyalitas pelanggan pada toko MRS. Sheshop Tulungagung?Jenis dalam penelitian ini adalah kuantitatif dengan pendekatan asosiatif dengan tujuan untuk mengetahui suatu hubungan diantara dua variabel/lebih. Sedangkan sampel yang diambil sebanyak kurang lebih 100-200 pelanggan. Teknik analisis data menggunakan Cronbach’s Alpha, Uji Asumsi Klasik dan Analisis Regresi Linier Berganda menggunakan uji T dan uji F. Hasil penelitian ini, yaitu 1) Ada Pengaruh Promosi terhadap Loyalitas pelanggan, dibuktikan dengan penghitungan uji T Parsial berdasarkan t hitung dan t tabel dengan nilai 3,324 > 1,292 maka dinyatakan diterima. 2) Ada Pengaruh Harga terhadap Loyalitas pelanggan, dibuktikan dengan uji T Parsial berdasarkan t hitung dan t tabel dengan nilai 3,651 > 1,292 maka dinyatakan diterima. 3) Ada Pengaruh Citra merk terhadap Loyalitas pelanggan, dibuktikan dengan penghitungan uji T Parsial berdasarkan t hitung dan t tabel, dengan hasil nilai 3,241 > 1,292 maka dinyatakan diterima. 4) Ada Pengaruh yang signifikan antara variabel promosi, harga, dan Citra merk berpengaruh terhadap variabel loyalitas pelanggan Pada toko MRS. Sheshop Tulungagung, dibuktikan dengan perhitungan f simultan sig. < 0,05 maka variabel X berpengaruh terhadap Y. Maka dapat diketahui 0,001 < 0,05 sehingga dari perbandingan pada uji signifikansi dapat dinyatakan hipotesa diterima.
Pengaruh Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR) Terhadap Return on Equity (ROE) Pada PT. Bank Syariah Mandiri
Authors: Karmila Karmila
Published: December 2022

This thesis discusses the effect of Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR) on Return on Equity (ROE) at PT. Mandiri Syariah Bank. The main problem in this study is that banking as a business entity engaged in finance or finance really needs the trust of its customers to support and expedite the activities it undertakes. One of the ratios to measure banking performance is profitability or Return on Equity (ROE). The variables that affect the profitability (Return on Equity) of a bank are the Capital Adequacy Ratio (CAR) and the Financing to Deposit Ratio (FDR). Data were processed and analyzed using multiple linear regression using SPSS 22 for windows. The results of this study indicate that the Financing to Deposit Ratio has an effect of 42.9% on Return On equity, the Capital Adequacy Ratio has an effect of 19.6% on Return on Equity, and the Financing to Deposit Ratio and Capital Adequacy Ratio together have an effect of 62.5%. on Return on Equity.
Implementation of Sharia Bank Integrated Marketing Communication in Increasing the Number of Customers
Authors: Karia Karmila
Published: December 2022

This study aims: to describe the implementation of Integrated Marketing Communications that can increase the number of customers at Bank Syariah Indonesia (BSI) Kcp Andi Djemma Palopo City. The type of research used by researchers is qualitative research with descriptive research types. The location of the research was carried out at Bank Syariah Indonesia KCP Andi Djemma, Palopo City. The subjects in this study were Marketing at Bank Syariah Indonesia (BSI) KCP Andi Djemma, Palopo City. With the research instruments used, namely in the form of interview guidelines and observation guidelines. Data collection techniques used are observation techniques, interviews and documentation. The data analysis technique used is by means of data reduction, data presentation and drawing conclusions. The results of this study illustrate that: In the marketing process of Bank Syariah Indonesia (BSI) Kcp Andi Djemma, Palopo City, which applies an integrated marketing communication model, it can be said that it is able to increase the number of its customers, this is based on efforts to carry out marketing and other things, namely in terms of awareness self and society's perspective on religion by paying attention to sharia matters in life. This certainly has a positive effect on the development of Islamic banking in Indonesia, which in fact is one of the countries with the largest Muslim community in the world.
Quality of Public Business Credit Providing Service at BRI Wasuponda Unit, East Luwu District Study of Customer Perception
Authors: Nurmilasari Nurmilasari
Published: December 2022

This study aims to find out how customers perceive the service quality of people's business loans at PT BANK BRI Wasuponda unit. The research method used is descriptive quantitative. With a population of 250 customers by taking samples using probability sampling techniques and random research samples determined 50 customers. Data analysis used descriptive analysis with frequency distribution analysis tools.The results showed that the customer's perception of the service quality of KUR provision was in the good category with a percentage of 75 ≤ 100% and the affective indicator being the highest aspect with a yield of 1391. This variable was measured through the cognitive aspect with an acquisition percentage of 89.35%, affective with obtaining a percentage of 86.93%, conative with an acquisition of a percentage of 88.75%, tangible with an acquisition of a percentage of 88.16%., reliability with an acquisition of a percentage of 87.87%., Responsiveness with an acquisition of a percentage of 87.5%, assurance with an acquisition of a percentage of 90.12% and empathy with gain of 89.37%.
Analysis of the Factors that Influence the Work Ethic of Bank Muamalat Employees in Palopo City
Authors: Ikram Muhammad
Published: December 2022

This research discusses the Influence of Siri’ Religiosity and Culture on the Work Ethic of Employees of Bank Muamalat Kota Palopo. The problem in this study is the work ethic of employees who are less than optimal such as not working in a timely manner, the level of speed and accuracy of work is not good so as to cause problems of low work ethic. This research aims to find out whether siri’ religiosity and culture affect the work ethic of employees of Bank Muamalat Kota Palopo. The type of research used is quantitative methods. The data source used is primary data obtained from the dissemination of questionnaires to respondents, namely employees of Bank Muamalat Kota Palopo. Data is processed and analyzed using multiple linear regression or inferential statistics. The results of this study showed that (1) Thitung religiosity variables amounted to 8,256 and Ttabel by 1,671 or 8,256 > 1,671 and significant value of religiosity of 0.000 <0.05 (H0 was rejected and H1 accepted) Thus it can be interpreted that religiosity has a positive and significant effect on employee work ethic. (2) Thitung culture variables amounted to 6,621 and Ttabel by 1,671 or 6,621 > 1,671 and significant value of Siri’ Culture' (X2) of 0.001 < 0.05 (H0 rejected and H2 accepted). So it can be interpreted that Siri’ Culture (X2) has a positive and significant influence on employee work ethic (Y). (3) Siri’s religiosity and culture simultaneously affect the work ethic of employees of Bank Muamalat Kota Palopo.
Application of The 5C Principle in Providing Financing to BNI Syariah Tomoni
Authors: Annisah Nur
Published: December 2022

This study aims: to find out how to apply the 5C principles in providing financing, as well as to find out the various obstacles that will be faced in implementing the 5C principles in providing financing at BNI Syariah Tomoni. The type of research used is qualitative research. By taking the research location at BNI Syariah Tomoni and the research informants were BNI Syariah Tomoni employees, totaling six people consisting of micro sales heads, micro financing risk officers, micro sales assistants, consumer sales, and processing & collaction assists. Data and data source used, namely primary data. The data collection technique in this study used interview techniques. The results showed that the application of the 5C principles in providing financing to BNI Syariah Tomoni has a very important role because the application of the 5C principles is sought so that banks avoid problem financing. The implementation of the 5C principle is the basis for the leadership of BNI Syariah Tomoni to determine whether the submission of a financing application is approved or rejected. from the ability of the prospective debtor that is not proportional to the nominal amount of the financing submitted to BNI Syariah Tomoni, as well as other obstacles such as the prospective debtor does not have collateral that can be guaranteed.
Determinanst of A Customer’s Decision to Choose A Murabaha Contract at Indonesian Sharia Bank
Authors: Kartika Puji Sri
Published: December 2022

This study aims to analyze the determinants of customers in  choosing a murabahah contract at an Islamic bank.  This type of research is research quantitatively with a population of all BSI KCP Palopo Ratulangi customers.  Taking a sample of 80 respondents using Roscoe's theory and using purposive sampling.  The method used to test the hypothesis is the classical assumption test,hypothesis testing, multiple regression testing, and test of the coefficient of determination.  The analytical tool in this study uses assistance  SPSS versions 22 and 24. From the results of data processing it shows that simultaneously variable internal factors (psychological and personal) and variables external factors (culture and demography) have a positive and significant effect on the customer's decision in choosing a murabahah contract at an Islamic bank with a significance level of 0.000.  While partially variable factor internal (psychological and personal) positive and significant effect on the customer's decision in choosing a murabahah contract at an Islamic bank with significance level of 0.004 and the value of tcount>ttable (3.823>1.991), but the variable external factors (culture and demographics) have no positive and significant effect on the customer's decision in choosing a murabahah contract at an Islamic bank with a significance level of 0.21 and tcount<ttable (1.245<1.991).
Micro Financing in MSMES Development at BRI Syariah KCP Palopo (Study of The Implementation of Murabahah Contracts)
Authors: Tuljanna Ria Masita
Published: December 2022

This study aims: To determine the application of the murabaha contract system to microfinance at BRI Syariah KCP Palopo; This type of research is field research using qualitative research methods. The data analysis technique used is descriptive analysis and SWOT analysis is measured by interviews to determine the overall internal and external factors of microfinance at BRI Syariah KCP Palopo. The results of research in the field show that 1) The application of the murabaha contract system in microfinance at BRI Syariah performs one contract first, the first is done with a wakalah contract, then continues with a murabaha contract. 2) Provision of microfinance using a murabaha contract has an influence on MSME business development in terms of business capital, turnover, income, number of products and expansion of the location of the business. 3) In the process of providing microfinance to MSME customers, BRI Syariah experienced obstacles such as a lack of understanding by customers about contracts and products, and the ineffectiveness of using business capital. From the results of the SWOT analysis based on the identification of internal factors and external factors on Micro Financing Products at BRI Syariah KCP Palopo, namely creating strategies to overcome weaknesses and threats and increase strengths and opportunities, one of which is BRI Syariah introducing sharia bank products to MSMEs to increasing interest in taking financing at BRI Syariah KCP Palopo.
Bank Sharia Indonesia Strategy in Palopo City in Increasing Customer Loyalty
Authors: Aulia Salma
Published: December 2022

Unsatisfactory bank service will cause customers to switch to other banks, on the contrary, satisfactory bank service will make customers loyal. This study aims to determine the strategy of Indonesian Islamic banks in Palopo city in maintaining customer loyalty. this research was conducted at the Islamic Bank of Palopo city. The data collection technique is to use interviews with BSI and become informants researchers are employees and customers of BSI, documentation to collect written data. The results of this study show that the strategy used by BSI is very important through the services provided by BSI. The loyalty of customers themselves can be seen from their persistence in order to continue to use BSI services even though many other institutions offer the same product but they still survive in BSI. The quality of services provided by the bank is one of the main concerns of customers in choosing a bank.
Micro Arrum Product Marketing Strategy Implementation in Attracting the Interest of Luwu Branch Sharia Payment Customers' Interest During Covid-19
Authors: Muslim Andi Nurfaika
Published: December 2022

This study aims to describe the marketing strategy for arrum micro products in attracting the interest of customers of the Luwu branch of Islamic Pawnshops during the Covid-19 pandemic. This type of research is a descriptive qualitative approach. The research data were obtained from primary data sources using data collection techniques, namely observation, interviews and documentation. Furthermore, this research data was analyzed by data reduction, data presentation and conclusion drawing/data verification. As for testing the validity of the data using triangulation. The results showed that the marketing strategy for arrum micro products implemented by the Luwu branch of sharia pawnshops through 4P was: Product Strategy, by making products according to customer needs, developing rahn products into arrum and providing good service. The Price Strategy, the Luwu branch of Islamic pawnshops provides lower mu'nah or capital leases compared to other financing. Promotion strategy, by becoming sponsorship, through canvassing, distributing brochures, door to door, through the internet such as whatsaap, wa blast, Instagram, Facebook, Bukalapak and other social media. StrategiPlace, the location of the sharia pawnshop is in the center of the crowd close to the Andi Tadda traditional market, in the city center and on the edge of the main road.
Determinants of Iain Palopo Student Interest in BSI Mobile Services in The Covid-19 Pandemi
Authors: Cahayani Cahayani
Published: December 2022

This study aims to find out whether the convenience, benefits, and safety affect IAIN Palopo students' interest in using BSI Mobile services during the Covid-19 pandemic. The data collection technique in this study used a questionnaire distributed online with a population of all Islamic banking students class of 2017 at the Faculty of Economics and Business at IAIN Palopo. The sampling technique used accidental sampling using the slovin formula, namely 67 people. The research method used was multiple regression analysis with the help of SPSS version 22 software. The results of the study were (1) convenience (X1) with a tcount of 2.916 > ttable of 1.999 and a significant level of 0.005 <0.05. (2) benefits (X2) with a tcount of 2,412 > ttable of 1.999 and a significant level of 0.019 <0.05. (3) security (X3) tcount 2.042 > t table 1.999 and a significance level of 0.045 < 0.05. so that it can be concluded that these three variables partially had a positive and significant effect on students' interest in using BSI mobile services during the Covid-19 pandemic. (4) convenience, benefits, and safety simultaneously have a positive and significant effect on students' interest in using BSI Mobile services during the Covid-19 pandemic with an F count of 33,164 and a significance value of 0.000 (<0.05). The coefficient of determination (R2) is 0.625.
Pengaruh Corporate Identity terhadap Keputusan Menggunakan Produk Simpanan Mudharabah Khusus Pelajar di Baitul Maal Wat Tamwil (BMT) Madani
Authors: Ningsih Fitriyah , Prabowo Prayudi Setiawan
Published: December 2022

The purpose of this study was to analyze whether there is an influence between Corporate Identity on the decision to use mudharabah savings products specifically for students in BMT Madani Sepanjang, Sidoarjo. This type of research is associative quantitative. The population used as many as 400 people, while the sample used as many as 200, the determination of the data using the Non Probability Sampling technique. The data collection method using  interview, observation and questionnaire. The data analysis method uses simple linear analysis. The results obtained indicate that there is a positive and significant influence between Corporate Identity on the decision to use mudharabah savings products specifically for students. The influence of the Corporate Identity variable on the decision variable is 36.8%, while 63.2% is influenced by other variables.
Analysis of Factors Affecting Customer Decision to Saving at Bank Sharia Indonesia, Palopo City
Authors: Mulfi Puspa Indah
Published: December 2022

The results of the study show that: (1) knowledge (X1) has a positive and significant effect on customers' decisions to save at BSI because the tcount is 2.562 > ttable 1.664 and sig. 0.012 <0.05 or in other words H0 is rejected H1 is accepted. (2) Service (X2) has a positive and significant effect on customers' decisions to save at BSI because the tcount is 2.150 > ttable 1.664 and sig. 0.035 <0.05 or in other words H0 is rejected H1 is accepted. (3) Promotion (X3) has a positive and significant effect on customers' decisions to save at BSI because the tcount is 2.105 > ttable 1.664 and sig. 0.038 <0.05 or in other words H0 is rejected H1 is accepted. There is an influence between the variables X1, X2 and X3 on Y which can be seen from the results of the coefficient of determination test which shows an Adjusted Square value of 0.178 equivalent to 17.8%. This means that 17.8% of customers' decisions to save at BSI are influenced by knowledge, service and promotion. Then 82.2% was influenced by other factors not explained in the study.
Analisis Kinerja Bank Syariah Negara OKI pada Era Digital: Studi Masa Pandemi Covid-19
Authors: Indrawati Anggi , Putri Fadia Haya , Wahyudi Rofiul
Published: December 2022

This study aims to analyze the performance of Islamic banks in OKI countries in the digital era during the pandemic. This research is a quantitative research with a descriptive approach. The sample in this study was selected based on a purposive sampling technique in order to obtain nine Islamic Cooperation Organization (OKI) countries with the top rankings according to the Asian Banker in 2020. Secondary data in this study were in the form of quarterly financial reports for the 2020 observation period. The data analysis technique used descriptive statistics for provides a complete picture of the financial performance of Islamic banks during the Covid-19 pandemic. The results show that the performance of Islamic banks in the nine OKI countries was not affected during the Covid-19 pandemic. On the other hand, the Covid-19 pandemic has actually encouraged the digitization of digital banking services and transactions to maintain profits during the Covid-19 pandemic.
Efektivitas Kebijakan Restrukturisasi Pembiayaan Bermasalah pada Masa Pandemi Covid-19
Authors: Sutanti Arli , Haryanti Peni
Published: December 2022

The Indonesian government through the task force for handling the corona virus stated that the World Health Organization had given an official statement on March 9, 2020 regarding COVID-19 which was declared a pandemic. As a result of this, the banking industry experienced a decline in income caused by debtors who had difficulty paying their obligations due to declining sales due to the COVID-19 pandemic. Banks needed to restructure to save themselves from much larger losses. This statement is supported by the POJK issued by the OJK at the POJK 2020 concerning National Economic Stimulus as a Countercyclical Policy for the Impact of the Spread of Corona Virus Disease 2019 at Number 11/POJK.03/2020. This study aims to determine the effectiveness of the financing restructuring policy on non-performing financing during the pandemic. From the results of research conducted by researchers using three data collection techniques, namely observation, interviews, and documentation, it can be concluded that the implementation of the financing restructuring policy due to the COVID-19 pandemic at BPRS Lantabur Tebuireng has been implemented effectively in reducing Non Performing Finance. The implementation of financing restructuring is considered to be able to assist BPRS Lantabur Tebuireng in arranging appropriate payment schemes for debtors whose businesses are affected by the COVID-19 pandemic.
Implementation of Problem Financing Risk Control Strategy on Amanah Products at PT. Luwu Branch Sharia Pawntown
Authors: Sari Indah
Published: December 2022

This thesis discusses the risk control strategy for non-performing financing on trust products at PT. Luwu Branch Sharia Pawnshop. This study aims to describe the strategy of PT. Sharia Pegadaian Luwu Branch in risk control on trustful products. The type of research used is qualitative research with a descriptive approach. Data obtained by conducting observations, interviews and documentation. The results showed that the risk control strategy of PT. Sharia Pegadaian Luwu Branch for non-performing financing has been implemented, especially for Amanah products. This strategy includes risk monitoring, risk measurement, risk monitoring, and financing problem solving. In identifying the financing risks of PT. Luwu Branch Sharia Pegadaian uses 5C analysis and BI verification. For risk measurement, PT. Pegadaian Syariah Luwu Branch uses quantitative and qualitative risk measurements and divides them into five categories, namely current, substandard, on special mention, doubtful, and loss. In monitoring the risk of financing PT. The Luwu Branch Sharia Pawnshop made the first visit to the customer’s location, but follow-up was not carried out properly after the disbursement of the financing. Meanwhile, for the settlement of non-performing financing, PT. The Luwu Branch of Sharia Pegadaian contacts customers, visits customers and shows a letter of repayment.
Kepuasan Nasabah: Tinjauan dari Kualitas Produk dan Penerapan Nilai Islam
Authors: Ningsih Yeni Yulia , Asiyah Binti Nur
Published: December 2022

The research in this thesis is based on the quality of products Bank Muamalat KCU Kediri can not reach all layers so that customers can only choose one of several products that exist, Sharia value in BMI is less maximally applied, it appears that the customer's needs are not a concern in financing, so it is not in accordance with the needs of real customers. This study uses a quantitative approach to this type of associative research. Sampling uses accidental sampling techniques. The data source used in this study is the main data. The measurements in this study used a likert scale. Next stage, test the data instrument with validity and reliability test, classic assumption test and Multiple Linear Regression which serves to prove the research hypothesis.The results showed (1) The quality of the product had a positive and significant effect on customer satisfaction at Bank Muamalat KCU Kediri (2) Islam value had a positive and significant effect on customer satisfaction at Bank Muamalat KCU Kediri. (3) The quality of the products, and the value of Islam, together have a positive and significant effect on customer satisfaction at Bank Muamalat KCU Kediri.
Chemical Composition and Antioxidant Activity of Sea-Buckthorn (Hippophae rhamnoides L.) Grown in Issyk-Kul Region, Kyrgyz Republic
Authors: USUBALİEVA Aigul , EYİZ Vildan , TOTUBAEVA Nurzat , TONTUL İsmail
Published: December 2022

The fruit of sea-buckthorn (Hippophae rhamnoides L.) is a rich source of nutrients and phytochemicals. This study determined the chemical composition and antioxidant activity of sea-buckthorn grown in Issyk-Kul region, Kyrgyz Republic, during maturation from August to November. Three different assays [ferric reducing antioxidant power (FRAP), DPPH radical scavenging activity (DPPH), and cupric ion reducing antioxidant capacity (CUPRAC)] were used to determine the antioxidant activity of sea-buckthorn fruits. Sea-buckthorn fruits had a sugar content of 6.57-8.08 g/100g, a dietary fiber content of 0.39-0.83 g/100g, an ash content of 0.49-0.99 g/100g, a lipid content of 6.56-6.98 g/100g and titratable acidity of 1.38-1.92%. The total phenolic content and total flavonoids of sea-buckthorn fruits were 408.52–886.48mg GAE/kg and 260.81-345.37mg CE/kg, respectively. Antioxidant activity values determined by FRAP, DPPH, and CUPRAC were 88.51-1041.22mg TE/kg, 1011.93-2673.22mg TE/kg, and 755.40-1232.55mg TE/kg, respectively. Total carotenoid content was 16.6-18.8 mg/kg. Results showed the relationship between the change in the color of sea-buckthorn berries and the chemical composition by the months of their ripening and the influence of weather conditions. All these results indicated that sea-buckthorn fruits could be beneficial for human nutrition while they might have a great potential to be used in a wide range of products to enrich their functional properties.