PRODUCTIVITY: Journal of Integrated Business, Management, and Accounting Research
PRODUCTIVITY: Journal of Integrated Business, Management, and Accounting Research is a fully refereed (double-blind peer review) and an open-access online journal for academics, researchers, graduate students, early-career researchers and students, published by Lembaga Intelektual Muda (LIM) Maluku. PRODUCTIVITY is a periodical publication (two times a year, in June and December) with the primary objective to disseminate scientific articles in the fields of Economics, Business, and Management. PRODUCTIVITY is indexed by Directory of Open Access Journals, Indonesian Scientific Journal Database, Google Scholar, and several others including Crossref, PKP Index, Dimensions, and WorldCat.
Pengaruh Promosi Online dan Electronic Word of Mouth di Aplikasi Tiktok Terhadap Keputusan Pembelian Pangan Lokal Olahan Ketan Susu
The purpose of this study is to analyze the influence of online promotion and eWOM on the TikTok application on the purchase decision of processed local food of glutinous rice. This study uses a quantitative method and then data is collected through a questionnaire that is distributed to 100 respondents who have been determined after the Lemeshow equation, and the data is analyzed using instrument tests, classical assumption tests and analyzed using multiple linear regression. The results of the analysis of the F Test showed that Online Promotion (X1) and Electronic Word of Mouth (X2) had a positive and significant effect together (Simultaneous) on the purchase decision, with a significance value of 0.000 < 0.05, and the results of the analysis of the individual (Partial) t-Test had an effect on the purchase decision, with a significance value of Online Promotion (X1) of 0.000 < 0.05 and a significance value of Electronic Word of Mouth (X2) of 0.007 < 0.05. This shows that the better the Online Promotion and Electronic Word of Mouth carried out on TikTok, the higher the consumer purchase decision for processed local dairy sticky rice foods at Sumodrink & Foods.
Copyright (c) 2026 PRODUCTIVITY: Journal of Integrated Business, Management, and Accounting Research
Analisis Strategi Manajemen Sumber Daya Manusia dalam Peningkatan Kualitas Pelayanan Umrah pada PT. Mambaul Khairat Tour & Travel Kabupaten Ketapang
This study aims to analyze Human Resource Management (HRM) strategies in umrah services at PT. Mambaul Khairat Tour & Travel in Ketapang Regency using the perspective of Strategic Human Resource Management (SHRM) and the Resource-Based View (RBV) approach. Previous studies generally place HRM in the operational aspects and service quality, but have not comprehensively examined the integration of religious values as a source of competitive advantage in the context of umrah travel agencies. This study uses a qualitative approach with interview, observation, and documentation techniques, and is analyzed through data reduction, presentation, and verification. The research results indicate that HR strategies are implemented through adaptive workforce planning, competency- and religious value-based recruitment, continuous training, as well as performance and reward systems that enhance intrinsic motivation. A religious organizational culture serves as an integrative mechanism aligning employee behavior with the orientation of serving congregants. The novelty of this research lies in the conceptualization of religious values as an intangible asset within the SHRM framework that affects service quality. The contribution of this study is the development of a conceptual model of religious value-based HR strategy that expands the application of RBV theory in the religious service sector and provides practical implications for improving the competitiveness of Umrah travel agencies.
Strategi Pengembangan Sumber Daya Manusia Pengurus Pondok Pesantren Mambaul Khairat Kabupaten Ketapang
This study aims to examine the human resource development strategies of the administrators of Mambaul Khairat Islamic Boarding School in Ketapang Regency. The research uses a descriptive qualitative method with an exploratory approach. The subjects of this study are 13 individuals selected using purposive sampling techniques. Data were obtained through interviews, observations, and documentation, and analyzed through data reduction, data presentation, and drawing conclusions using triangulation techniques to maintain validity. The research results indicate that the human resource development strategy is implemented through four main methods: training, understudy, job rotation, and coaching-counseling. These methods emphasize technical, spiritual, and character development, resulting in competent and morally upright administrators. The obstacles identified include limited time, low motivation, minimal organizational experience, limited facilities, and the influence of gadgets and social media. Supporting factors include a religious environment, exemplary caregivers, a culture of deliberation, unity among administrators, and mutual cooperation, which strengthen the success of the human resource development strategy at Mambaul Khairat pesantren.
Gaya Kepemimpinan Kepala Sekolah dalam Upaya Meningkatkan Kepuasan Kerja Guru di MTs Ma’arif Kecamatan Pemahan
This study aims to describe and analyze the leadership style of the school principal in improving teacher job satisfaction at MTs Ma’arif, Pemahan District. The research approach used is a qualitative approach with field research type. The research subjects are the Principal and teachers, selected using purposive sampling techniques. Data were collected through observation, in-depth interviews, and documentation, and then analyzed descriptively through the stages of data reduction, data presentation, and drawing conclusions. Data validity is maintained through source and method triangulation techniques. The research results indicate that the principal applies a democratic leadership style characterized by teacher involvement in decision-making, effective communication, provision of motivation, and exemplary behavior. Teacher involvement in school deliberations strengthens a sense of ownership and increases loyalty to the institution. Open communication creates a harmonious work climate and prevents internal conflicts. The motivation provided by the principal, whether in the form of emotional support or opportunities to innovate, encourages teachers to be more enthusiastic in carrying out their duties. The principal's exemplary behavior in discipline and responsibility serves as a concrete example that reinforces teacher professionalism. Teacher job satisfaction is reflected in a conducive work environment, appreciation and support, harmonious relationships among teachers, and attention to welfare despite financial limitations.
Pengaruh Kebijakan Hilirisasi pada Rasio Keuangan dan Harga Saham
The development of investment in Indonesia shows positive growth. This is inseparable from the role of the capital market as financial marketplace that supports the economy and connects companies with investors. The company will receive funds, while investors will receive a rate of return on investment. Many researches only examine the effect on financial ratios without comparing new policies. The purpose of this study is to examine the effect of financial ratios on stock prices in mining. This comparative causal research uses a sample of mining sector companies listed on the IDX from 2018 to 2024 and analyzed using multiple linear regression. The results of the study show that financial ratios have an effect on stock prices. Investors will choose to invest in companies based on financial ratio calculations so that investor can make profitable decisions.
Copyright (c) 2025 PRODUCTIVITY: Journal of Integrated Business, Management, and Accounting Research
Analisis Pengaruh Kualitas Pelayanan, dan Harga Terhadap Kepuasan Serta Loyalitas Pelanggan pada PT Travel Sasana Lintas Indo
This research aims to analyze the influence of service quality and price on customer satisfaction and loyalty at PT Travel Sasana Lintas Indo. The research method uses a quantitative approach with data collection techniques through a questionnaire distributed to the company's customers. The research sample consists of 100 respondents selected using purposive sampling technique. Data analysis was conducted using classical assumption tests and multiple linear regression analysis. The research results show that service quality and price simultaneously have a significant effect on customer satisfaction and loyalty with a contribution of 36% (adjusted R square), while the remaining 64% is influenced by unstudied variables. Partially, service quality has been proven to significantly affect customer satisfaction and loyalty, while the price variable does not show a significant effect when tested separately. These findings indicate that PT Travel Sasana Lintas Indo needs to prioritize improving service quality to maintain and enhance customer satisfaction and loyalty. This research provides managerial implications for the company in developing effective marketing strategies focusing on service quality aspects.
Konsep Kognitif Padusi Entrepreneur Pengusaha Kue Sangkos
Cognitive psychology is the study of how the brain processes information, it is related to the way we receive information from the outside world, how we understand that information and what its use is. The purpose of this study is also to find out the cognitive concepts that sangko cake entrepreneurs have. This study uses a phenomenological approach using an open-ended interview method to find out the facts of an event or the subject's opinion in depth conducted to two sangko cake entrepreneurs. The data analysis used in this study is a qualitative data analysis technique with the stages of data reduction, data presentation, and conclusion drawn. Testing the validity of the data using triagulation with other researchers in coding. The results of the study found 3 major themes with 15 themes. The results of this study were obtained that the research subject described the existence of women's cognitive concepts that are useful in entrepreneurial activities. Concepts that describe the existence of cognition consist of the subject of remembering, understanding, applying, analyzing, evaluating and creating products in entrepreneurial activities
Kinerja dari Kepemimpinan, Lingkungan dan Disiplin Kerja Anggota Kepolisian Polres Karanganyar
This research aims to assess the impact of leadership, environment, and work discipline on the performance of members of the Karanganyar Police. It employs a descriptive quantitative research approach, utilizing purposive sampling for data collection. The analysis techniques utilized include classical assumption tests, multiple linear regression tests, hypothesis testing, and determination coefficients. Data processing was conducted using IDM SPSS Statistics 26. The findings indicate that leadership, environment, and work discipline positively influence the performance of Karanganyar Police members. The t-test results demonstrate that these factors significantly affect performance. Additionally, the F test results reveal that leadership, environment, and work discipline collectively have a significant impact on the performance variabels of the Karanganyar Police members. The R² test results show that these three factors account for 49.8% of the performance variabels, while the remaining 50.2% is attributed to other external variabels such as work stress, workload, motivation, communication, work culture, and others.
Studi Fenomenologi Pengusaha Muda Penjual Ubi Kopong dalam Berwirausaha
This research aims to understand the phenomenon experienced by sweet potato sellers in entrepreneurship. The approach used is qualitative with a phenomenological method. Data collection was carried out through unstructured interviews with a young entrepreneur selling sweet potatoes in Bukittinggi. Data analysis is carried out qualitatively with the stages of data reduction, data presentation, and conclusion drawing. The results of this study reveal seven subthemes that describe the experience of potato sellers in running their businesses. This research highlights the important role of internalizing family values in building entrepreneurial interest, seller behavior in managing business, and their ability to face and overcome various obstacles, such as limited capital and market competition
Eksplorasi Gaya Kepemimpinan Pengepul Kelapa Sawit Mitra Unggul
The leadership style of oil palm collectors plays an important role in improving the welfare of smallholder members. This study aims to describe the leadership style of Mitra Unggul oil palm collectors in the eyes of farmer members, and describe the success of Mitra Unggul leaders in prospering farmer members so that they can master FFB marketing. The research uses a type of qualitative research by conducting direct research in the field. This study uses a subject sampling technique with purposive sampling. The data collection technique uses observation, interview, and documentation methods to obtain accurate data. Data analysis was carried out qualitatively consisting of data reduction, data presentation, and conclusion drawn. The results of this study show that the leadership style of Mitra Unggul palm oil collectors is included in the charismatic leadership type where Mitra Unggul leaders have the attraction to influence others to achieve common goals
Analisis Strategi Peningkatan Penjualan Pulsa pada Usaha Sela Mantap
This study aims to provide an overview of the implementation of Sela Mantap's business both before and after the growth of product sales. This research uses interviews and is qualitative. The research subjects were selected using a purposive sampling technique totaling 5 people. The data collection technique in this study uses observation, interviews, and documentation. Data analysis was carried out qualitatively consisting of data reduction, data presentation and conclusion drawing. The results of data analysis show that consumers with marketing tactics used by business actors to offer services and promote Sela Mantap business to customers. Based on the results of the research, it can be seen that there are several techniques used, one of which is increasing sales of Sela Mantap. The 4P marketing strategy implemented by Sela Mantap business actors has a significant impact on the daily services provided to measure customer satisfaction with the sale of Sela Mantap goods, namely the 4P promotion strategy, location, product, and price.
Pengaruh Sikap Generasi Z Terhadap Minat Menjadi Nasabah Bank Syariah dengan Literasi Keuangan Syariah Sebagai Variabel Moderasi (Studi Kasus Mahasiswa Kota Payakumbuh Tahun 2024)
Sharia banking in the financial services sector is an intermediary institution for people who follow Islamic principles which consider bank interest to be haram. The growth of the sharia banking sector requires an understanding of the factors that influence the interest of the younger generation in becoming sharia bank customers. This research aims to analyze the influence of Generation Z attitudes on their interest in becoming Islamic bank customers with Islamic financial literacy as a moderating variable. This study focuses on generation Z in Payakumbuh City in 2024. The research method used was a survey with a quantitative approach, involving Generation Z samples spread across the area. Data was collected through a questionnaire designed to measure attitudes towards Islamic banks, level of Islamic financial literacy, and interest in becoming a customer. Data analysis was carried out using simple regression techniques with moderation to assess the influence of Generation Z attitudes on their interests, as well as the moderating role of Islamic financial literacy. The research results show that a positive attitude towards sharia banks has a significant effect on generation Z's interest in becoming sharia bank customers. Attitudes moderated by sharia financial literacy have no effect on interest in becoming a sharia bank customer. These findings provide important insights for Islamic banks in designing effective marketing and education strategies to attract customers from generation Z.
Strategi Aspek Lingkungan pada Usaha Bisnis Richeese Factory
This study discusses the importance of environmental aspect strategy in sustainable business management with a case study on Richeese Factory business. This study aims to provide insight into how Richeese Factory can integrate environmental aspects into their business strategy, as well as the benefits and challenges that may be faced. Thus, it is hoped that Richeese Factory can contribute to environmental sustainability while still achieving their business goals. The method used is a qualitative method with a case study in the form of interviews and observations, so that efficient resource management, use of renewable energy, and recycling programs have been implemented by Richeese Factory to reduce their environmental footprint. However, the implementation of this strategy is not without challenges, such as high initial costs and the need to adapt to new technologies. However, there are many opportunities that can be utilized, such as increasing consumer demand for environmentally friendly products and incentives from the government
Strategi Penguatan Pendapatan Daerah dan Pengembangan Kemandirian Ekonomi Lokal Melalui Instrumen Ekonomi Islam: Studi Tentang Zakat, Infaq, Sedekah, dan Wakaf
This study aims to examine how zakat, infaq, sadaqah, and waqf can be used strategically to strengthen regional income and encourage local economic independence. This study uses a descriptive qualitative approach. The research subject of this article is Islamic economic instruments which include zakat, infaq, alms, and waqf, as well as their role in increasing local income and building regional economic independence. The data were analyzed using descriptive qualitative methods. The results of the analysis show that the use of zakat, infaq, alms, and waqf has significant potential to increase regional revenue and alleviate poverty. With good and integrated management in public financial policies, zakat, infaq, alms, and waqf can be a solution for sustainable financial and economic independence that is able to overcome various social problems in society. Increasing literacy, professional management, and the use of digital technology will be the key to success in optimizing the potential of zakat, infaq, alms, and waqf in the future, so that the economic independence of a region can be realized properly and effectively
Environmental Incidents, Pemberitaan Media dan Praktik Pengungkapan Sustainability Report
Around 70% of environmental damage in Indonesia is caused by mining activities. Companies should make contributions as a form of social responsibility to various problems caused by company activities and present them in sustainability reports. This study aims to examine environmental incidents, media coverage and sustainability report disclosure practices. This study uses content analysis techniques, the data used are secondary data from the sustainability reports of state-owned mining sector companies in 2020-2022 and news in the mass media about environmental incidents. The results of the study show that the average disclosure of social responsibility of PT Aneka Tambang (ANTAM) in 2020-2022 was 56%, 58% and 92%, the average disclosure of PT Timah's social responsibility in 2020-2022 was 49%, 53% and 95% and the average disclosure of social responsibility of PT Bukit Asam Tbk in 2020-2022 was 78%, 58% and 88%. Meanwhile, media coverage focuses more on conveying negative news resulting from the company's operational activities compared to news that contains the company's efforts to overcome environmental damage. This also has an impact on increasing disclosure in sustainability reports. This research contributes to improving the quality and transparency of sustainability reports, especially in terms of disclosing environmental incidents
The Role of Liquidity Management in Enhancing Corporate Financial Stability: a Systematic Literature Review on Cash Reserves and Marketable Securities Strategies
This study explores the role of liquidity management in enhancing corporate financial stability, focusing on cash reserves and tradable securities strategies. Effective liquidity management helps companies manage financial risks and take advantage of investment opportunities, especially in the face of economic uncertainty. This study uses a systematic literature review approach to analyze the relationship between liquidity, cash reserves, and tradable securities. Cash reserves serve as a financial buffer to deal with cash flow fluctuations and reduce dependence on external funding. Meanwhile, tradable securities provide additional financial flexibility through quick access to liquidity. This study shows that companies that manage their liquidity well tend to have better financial stability, reduce bankruptcy risk, and increase investor confidence. This study also identifies research gaps, including the effects of financial technology and macroeconomic conditions on liquidity strategies. The practical and theoretical implications of this study provide guidance for companies to manage their liquidity more effectively, ensure business continuity, and support long-term growth
The Role of Organizational Communication in Improving Work Team Effectiveness
Organizational communication is essential to ensure that teams work well in the workplace. In this article, organizational communication is discussed as a tool to ensure effective coordination, information sharing, and team conflict resolution. Organizations can increase productivity, build strong interpersonal relationships, and create a harmonious work environment by using various communication methods, including vertical, horizontal, and diagonal methods. In addition, this article identifies components that influence communication effectiveness, such as interpersonal skills, technology, work culture, and organizational structure. To improve the quality of team communication, methods such as communication training, use of appropriate media, and structured feedback are suggested. Work teams can communicate better, achieve common goals, and handle problems better.
Copyright (c) 2024 PRODUCTIVITY: Journal of Integrated Business, Management, and Accounting Research
Kajian Literatur tentang Pengaruh Logo Halal Terhadap Keputusan Pembelian Konsumen Muslim di UMKM
This study aims to analyze the influence of halal logos on consumer purchase decisions in MSMEs through a literature review approach. The halal logo is one of the important elements in building Muslim consumer trust and increasing the competitiveness of MSMEs in the local and global markets. This study collects and synthesizes various previous studies that discuss the relationship between halal logos, consumer perceptions, and purchasing decisions. Data collection is carried out through systematic searches in databases such as Google Scholar, with the keywords "halal logo", "purchase decision", "MSME". The analysis technique used is content analysis to identify patterns, themes, and relationships between halal logos, Muslim consumer perceptions, and purchase decisions. The result of this study is that the halal logo plays a significant role in increasing consumer trust, loyalty, and preference for MSME products. In addition, the use of halal logos is also considered an effective strategy in strengthening MSME branding. This research makes a theoretical contribution to the development of a sharia-based economy and provides practical insights for MSME actors in optimizing the potential of the halal market
Penerapan Etika Bisnis Syariah dalam Bisnis UMKM (Studi Kasus Roemah Burger Bagan Deli)
This study aims to determine the sharia business ethics applied by the owners of Micro, Small and Medium Enterprises (MSMEs) Roemah Burger using a qualitative approach, this study collected data through in-depth interviews and observations at MSME Roemah Burger. MSME Roemah Burger itself is a business engaged in the culinary field such as burgers, kebabs, toast, roti canai and pempek. The results of the analysis show that ethics in a business are very important because this is the main foundation in running a business where buyers will feel satisfied with the ethics applied by the seller where the application of this ethics is increasingly relevant to create sustainable competitiveness and increase customer trust. This ethic does not only cover the attitude of the seller but also the condition of a product being marketed whether it is as claimed or exaggerated. This is very important to apply in every business so that the business gets the satisfaction desired by buyers and will become loyal customers, this can also increase profits in a business. Islam itself permits buying and selling as long as it is in accordance with the principles of the Islamic religion
Evaluasi Implementasi Usaha DapureSA Berbasis Analisis SWOT
This research aims to find out the strategies that can be applied to DapureSA's business located in Setia Budi Village, Bengkayang District. This study uses SWOT analysis to find out the strengths, weaknesses, opportunities, and existing threats. This research uses a descriptive method with a qualitative approach where primary data is obtained directly from consumers while secondary data is obtained through books, magazines, journals and articles. Data analysis is carried out qualitatively consisting of data reduction, data presentation, and conclusion drawing. The results of the study show that the DapureSA business is quite popular with consumers who say that the products from the DapureSA business taste good at a low price, the quality offered is very good. In conclusion, DapureSA's business can experience an increase in turnover if it continues to develop products and continue to innovate by adding various flavor variants, increasing production volumes, maintaining price stability, maintaining production quality and finding strategic places to open outlets
Tantangan dan Strategi Investasi pada Perusahaan Startup Teknologi di Indonesia
The rapid growth of technology Startups in Indonesia is driven by increasing internet penetration and the adoption of digital technologies across sectors. However, these Startups face significant challenges, including market uncertainties, regulatory shifts, and operational issues such as scalability and resource constraints. High-risk yet potentially high-reward investments in this sector demand a nuanced understanding of these challenges and the formulation of effective investment strategies. This study explores the key challenges faced by technology Startups in Indonesia and identifies strategies employed by investors and entrepreneurs to mitigate associated risks. Using a qualitative descriptive approach, this research examines data from industry reports, annual publications, and expert interviews to provide a comprehensive analysis of the ecosystem. Findings highlight that while Startups benefit from Indonesia's large digital market, government support, and international funding, they struggle with regulatory complexities, talent shortages, and fierce competition. Strategies such as diversifying funding sources, leveraging technological innovation, fostering corporate partnerships, and participating in incubation programs are crucial for overcoming these barriers. Insights from this study aim to assist stakeholders in enhancing the sustainability and competitiveness of Indonesia’s Startup ecosystem, ensuring it remains a vital driver of economic growth and innovation in Southeast Asia.
Analisis Penggunaan Aplikasi Tiktok Terhadap Minat Konsumen Berbelanja dalam Ekonomi Islam
Social media is the most popular media and can be used by children and adults. Social media has become very popular because it provides convenience in conducting various communications. Uniquely, users do not need to switch to other applications to shop. This study aims to determine the use of TikTok Shop on consumer behavior of Sharia Economics students’ class of 2022 at UIN Fatmawati Sukarno Bengkulu in purchasing food and beverage products. The method in this study is qualitative with a descriptive approach. where qualitative research is research that intends to understand the phenomenon of what is experienced by the research subject, such as behavior, perception, motivation, action, holistically, by utilizing various methods in the descriptive approach that is studied and elaborated by providing an explanation of an issue or problem being studied. The conclusion in this study is that many students use the TikTok Shop application to shop for fashion products, because the TikTok Shop application is very practical and easy to use. From the results of research in the field, it can be concluded that the majority of UIN Fatmawatti Sukarno Bengkulu students who shop at Tiktok Shop are because of the quality and comfort when shopping. In addition, the results obtained were not disappointing. Respondents can also enjoy entertainment while they shop, which they don't get on other E-commerce platforms.
Pengaruh Dampak Perilaku Konsumen Terhadap Stabilitas Moneter di Era Digital
This research aims to explore the impact of consumer behavior on monetary stability in the digital era. This type of associative quantitative research approach. Ddata was collected from 52 respondents through questionnaires who are active consumers through online surveys. Data analysis techniques in using multiple regression analysis methods for data analysis. The results of the analysis show that consumer behavior, including online shopping patterns, the use of financial applications, and trust in digital payment systems, which have a significant effect on monetary stability are online shopping patterns, and trust in digital payment systems. Meanwhile, the use of financial applications has no effect. The findings indicate a close relationship between consumption decisions and responses to monetary policy. The results of this study provide insight for policymakers in formulating strategies to maintain monetary stability during rapid development of digital technology
Analisis Strategi Promosi Obyek Wisata Air Putri Waiyoho Kabupaten Seram Bagian Barat
This study aims to analyze the social media promotion strategy as a promotional medium for the tourist attraction of Air Putri Waiyoho, West Seram Regency. The type of research used is qualitative in the form of descriptive and cannot be measured by numbers. The data sources in this study are primary data and secondary data. Data collection was carried out through observation and interviews. Qualitative data analysis of the Miles and Hubermen model has 3 (three) stages, namely data reduction, data presentation stage, and conclusion drawing and verification stage. The results of data analysis show that the Air Putri tourist attraction has not been promoted online. Online promotion is carried out using Facebook Page, Instagram for Business, and Google My Business. Until now there have been 17 contents posted on FB and IG social media accounts. Promotions using Google My Business are still hampered because the account is temporarily verified by Google. The verification completion process is unknown. Until now, 32 contents has been available that is ready to be posted until the end of 2023 according to the schedule that has been made. Posts on Instagram for Business get more likes than posts on FB Pages
Analisis Perhitungan Margin Pembiayaan Pensiun di Bank Syariah Indonesia KCP Ambon
Calculation of Pension Financing Margin in the Murabahah Agreement. The type of research used is qualitative descriptive. The data collection techniques are observation, interviews, and documentation. The data analysis techniques used are data reduction, data presentation, and conclusion drawn. The results of the study show that the procedure/scheme for pension financing for the murabahah contract starts from an application for the purchase of goods, then the transfer of ownership directly from the supplier to the Bank. Payment is made by the Bank directly to the supplier, the customer will receive goods and documents from the supplier after entering a murabahah contract agreement with the bank, the customer pays in installments to the bank. The calculation of the margin for financing the retirement of the murabahah contract uses the flat method where from the beginning of financing to the end of financing the same installment and the margin profit is flat where it is determined at the time of the contract until the end of the installment time
Pension Financing, Murabahah Agreement, Margin
Pengaruh Kualitas Pelayanan terhadap Kepuasan Nasabah pada PT. Bank Rakyak Indonesia (Persero) Tbk.Unit Kota Ambon
This study aims to determine the quality of service to customer satisfaction at PT. Bank Rakyat Indonesia. This type of research uses a qualitative approach and produces descriptive data because it intends to explore and appreciate an object. The data collection technique uses observation/observation techniques and questionnaires (questioners). The satisfaction questionnaire was compiled using satisfaction indicators, namely tangibles, emphaty, reliability, responsiveness, assurance Data analysis was carried out descriptively on the data obtained in the field. Based on the results of the data analysis described by the author in the form of the table above, it can be seen that the quality of service at PT. Bank Rakyat Indonesia (Persero) Tbk. Kota Ambon Unit has not been maximized because there are still customers who are not satisfied with the services provided. services provided by BRI Ambon City Unit. The average item is 2.08. The transaction was 2.78 and this shows that this study is in the fairly good category. The bank guarantees security for customers in making transactions. The average item is 4.1, indicating that the research is included in the very good category and this means that the bank is able to ensure the safety of every customer who makes a transaction
Pengaruh Kualitas Pelayanan dan Harga Terhadap Kepuasan Konsumen Jasa Transportasi Gojek Online di Kota Ambon
The ability of a transportation service company, namely Gojek online, to be able to recognize, meet and satisfy customer needs well, is a strategy for every company. This research was conducted to find out empirical evidence of the influence of price and service quality on online Gojek customer satisfaction in Ambon City. The research sample was obtained from 50 respondents and taken by incidental sampling, which is a sampling technique based on coincidence/indental. The data collection technique uses a questionnaire. The data analysis technique in this study uses multiple regression analysis with the program used is SPSS version 17. The results of this study show that there is a positive and significant influence between service quality and customer satisfaction can be accepted. There is a positive and significant influence of price on acceptable consumer satisfaction. Service quality is the variable that most affects Gojek online consumer satisfaction
Service Quality, Price, Customer Satisfaction
Job Description Kejelasan Tanggung Jawab dan Aplikasinya Persfektif Hadist Nabi Muhammad SAW
This article aims to find out the job description, clarity of responsibilities and application from the perspective of the hadith of the Prophet Muhammad SAW. Data is obtained from articles published through Google Scholar. Initially, the search was carried out using relevant keywords such as "job description", "job description in the perspective of the Prophet Muhammad SAW". Data from selected articles were then analyzed using a descriptive approach to describe key findings, identify patterns and trends, and summarize key conclusions from the reviewed literature. The results of the analysis show that with the job description, the activities carried out are in accordance with the responsibilities and cannot interfere with each other's duties, there is no overlap in the implementation of duties, and communication is well formed due to the existence of a good cooperative relationship between workers. In Islam, a job or position is a mandate that must be maintained properly, because behind the mandate there is accountability. Islam also teaches not to impose oneself on a job or position that is not one's expertise
Job Description, Responsibilities, Perspectives, Hadith of the Prophet