e-Jurnal STIE Pasaman (Sekolah Tinggi Ilmu Ekonomi)
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ANALYSIS OF MARKET ORIENTATION AND FINANCIAL LITERACY ON MSME PERFORMANCE
No full textMSME performance is the level of success achieved by MSME stakeholders in running their businesses based on set goals. To support the success of MSME performance, MSME owners must have basic knowledge such as market orientation and financial literacy because these two things can be a benchmark for the success of MSMEs. This study aims to analyze the influence of market orientation and financial literacy on the performance of food industry MSMEs in Sukabumi. The number of samples in this study was 110 respondents. This study used descriptive research methods and associative research methods with a quantitative approach. The results showed that market orientation and financial literacy had a positive and significant effect on MSME performance. The contribution made between market orientation and financial literacy to the performance of MSMEs with interpretation is very strong. Keywords: Market Orientation, Financial Literacy, MSME Performanc
THE EFFECT OF DIVIDEND POLICY AND COMPANY SIZE ON LEVERAGE (RETAIL COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE FOR THE 2016-2020 PERIOD)
No full textABSTRACTThis study aims to examine the effect of dividend policy and firm size on leverage. In companies listed on the Indonesia Stock Exchange. The research population is all financial reports listed on the IDX for the 2016-2020 period. The sample was selected using the the purposive sampling method with sample criteria being companies listed on the Indonesia Stock Exchange for the 2016-2020 period. Companies that have complaate financial statements for the 2016-2020 period and obtained a sample of 6 companies. The data source is the company’s annual financial statementstaken through the official website of the Indonesia Stock Exchange (www.idx.co.id) testing using panel data regression analysis with the SPSS program. Dividend policy is measured by the dividend payout ratio (DPR), while company size is measured by (SIZE). The results showed that the dividend policy variable hed a negative and insingnificant effect on leverage, while firm size had a negative and insingnificant effect on leverage.Keywords: Leverage; Dividend Policy; Company Size
IMPROVING THE QUALITY OF EDUCATIONAL HUMAN RESOURCES TO ACHIEVE INDONESIA'S VISION 2045
No full textThis research was conducted with a descriptive qualitative type, in accordance with the readiness in the education industry to obtain outcomes regarding the quality of the Indonesian nation's human resources in facing the golden year 2045 as seen from the PISA (Program for International Student Assessment) scores, international achievements in the fields of literacy, mathematics and science in high school students / grades 9-10 at the age of 15 in the province of Bangka-Belitung. The results from observations enriched by SINTA accredited national journals and reputable international journals are strengthened by several references and secondary data, with the era this pandemic, has forced us to innovate and be competent and professional in mastering digital technology, so we need to work hard and be extra focused to improve ourselves from the policies contained in the law, the education system and the quality of teachers, so that students/students become habitual and culture in the PISA score measurement indicator which is the main standard so that Indonesia can align with the PISA standard determined by the OECD (The Organization for Economic Cooperation and Development) which is followed by developed countries and developing countries to produce high-quality human resources. international/global. When the PISA ranking in the province of Bangka-Belitung continues to improve and advance in the long term, it becomes an obligation for all provinces in Indonesia, so that by itself Indonesia will become the most prosperous and prosperous country
THE IMPACT OF GOVERNMENT PSBB POLICY ON TRADISONAL MARKETS IN THE CITY OF SURAKARTA
No full textABSTRACTSince the outbreak of the Covid-19 virus in Indonesia, which began in March 2020, began to spread. The Covid-19 virus has had a significant impact on global conditions, not only in terms of the number of people who have died as a result of contracting the virus but also on the global economy. One of the affected nations, especially economically, is Indonesia. The Large-Scale Social Restrictions (PSBB) policy is one of the government's efforts to reduce the number of people who have become infected with the Covid-19 virus, and its effects are already being felt. The MSME sector of traditional market traders is included in the issued policies.In order to get input and evaluate the government's PSBB policy program or strategy in improving quality and sustainable PSBB regulatory policies, this study aims to analyze the implementation of the PSBB policy that is enforced on Traditional Market traders, including UMKM, during the Covid-19 pandemic.The SWOT (Strength, Weakness, Opportunity, Threat) matrix analysis was used in this study. In Surakarta, the SWOT matrix analysis is used to evaluate opportunities and threats as well as the advantages and disadvantages of government policies toward traditional markets.The research results show the impact that has occurred from the PSBB policy in Traditional Markets during Covid-19 is the decreased purchasing power of consumers resulting in traditional market traders closing their businesses, many are confused about policies that have not been consistent so that the income of traditional market traders has decreased. In overcoming this, the government is working on consistency, better dissemination of Government Policy (PSBB) so that traditional market traders do not experience many losses due to decreased income, as well as training human resources in the field of digital marketing so they are able to work to meet needs. The government is also trying to keep open access to traditional market sales for the economic stability of traditional market traders in the city of Surakarta.Keywords: PSBB, Traditional Market, Human Resource
FINANCIAL LITERACY AND INVESTMENT DECISIONS IN ISLAMIC FINANCIAL PRODUCTS
No full textThis study aims to analyze Financial Literacy and Investment Decisions on Islamic Financial Products in Riau. The research method used is descriptive method and quantitative and qualitative analysis. The data collection technique uses a questionnaire that has been tested for its validity and rehabilitation. The research subjects were 154 respondents using purposive probability sampling technique and 25 interviewees. Meanwhile, the data analysis technique used is a simple linear regression equation, the management uses SPSS version 26 and Nvivo 12. Based on the results of the hypothesis testing it is known that financial literacy simultaneously has a significant effect on investment decisions on financial products in Riau Province
PENGARUH INKLUSI KEUANGAN DAN LITERASI KEUANGAN TERHADAP KINERJA UMKM SUB SEKTOR USAHA MIKRO DI KABUPATEN BOJONEGORO, JAWA TIMUR
No full text ABSTRAKFenomena Covid-19 memberikan dampak yang signifikan bagi UMKM Indonesia. Hal ini menjadi hal yang serius mengingat besarnya kontribusi peran UMKM terhadap perekonomian Indonesia, khususnya Jawa Timur. UMKM di Bojonegoro menduduki peringkat ke-12 dari 38 kabupaten di Jawa Timur yang berkontribusi terhadap perekonomian Jawa Timur. Penelitian ini bertujuan untuk menganalisis pengaruh inklusi keuangan dan literasi keuangan terhadap kinerja UMKM. Penelitian ini menggunakan pendekatan kuantitatif dengan metode asosiatif. Sampel yang digunakan adalah 33 pelaku usaha UMKM subsektor mikro di Kecamatan Bojonegoro. Teknik pengambilan data dilakukan dengan cara observasi, wawancara dan sebar kuisioner. Teknik analisis regresi linier berganda digunakan dalam pengujian hipotesis. Hasil penelitian menunjukkan bahwa inklusi keuangan tidak berpengaruh terhadap kinerja UMKM di Kabupaten Bojonegoro dan literasi keuangan berpengaruh terhadap kinerja UMKM di Kabupaten Bojonegoro. Sedangkan secara simultan kedua variabel bebas berpengaruh terhadap kinerja UMKM di Kecamatan Bojonegoro.Kata kunci: Inklusi keuangan, literasi keuangan, UMKM. Pandemi, Bojonegoro ABSTRACT The Covid-19 phenomenon has had a significant impact on Indonesian MSMEs. This is a serious matter considering the large contribution of the role of MSMEs to the Indonesian economy, especially East Java. MSMEs in Bojonegoro are ranked 12th out of 38 regencies in East Java that contribute to the East Java economy. This study aims to analyze the effect of financial inclusion and financial literacy on the performance of MSMEs. This study uses a quantitative approach with the associative method. The sample is used by 33 micro sub-sector MSME business actors in Bojonegoro sub-district. Data collection techniques were carried out by means of observation, interviews and questionnaires. Multiple linear regression analysis technique is used in hypothesis testing. The results showed that financial inclusion had no effect on the performance of SMEs in Bojonegoro district and financial literacy had an effect on the performance of SMEs in Bojonegoro district. Meanwhile, simultaneously, the two independent variables affect the performance of SMEs in the Bojonegoro sub-district.Keywords: Financial inclusion, financial literacy, msme. Pandemic, Bojonegor
DISKURSUS MORAL HAZARD SEBAGAI EKSISTENSI HUMANITARIAN SUPPLY CHAIN MANAGEMENT JAMINAN KESEHATAN DI KOTA SURABAYA
No full textABSTRAKPenelitian ini menganalisis diskursus moral hazard dari penyelenggara negara dalam upaya meningkatkan humanitarian supply chain jaminan kesehatan di Kota Surabaya. Metode penelitian ini merupakan penelitian kualitatif yang menginterpretasikan moral hazard melalui perangkat teori moralitas Immanuel Khan. Metode ini dianggap tepat dengan penggunaan data primer dan sekunder yang ada. Data primer didapatkan berdasarkan observasi secara langsung, indepth interview, dan focus group discussion. Lebih lanjut data sekunder didapatkan dari literatur masa lampau, studi, buku, penelitian, dan dokumen penting lainnya. Fokus penelitian ini adalah moral hazard dan humanitarian supply chain. Kesimpulan penelitian menunjukkan moralitas hubungan manusia dengan manusia lain memiliki kelebihan dan keunggulan pda moralnya. Morallah yang menunjukkan hakikat umat manusia. Kant mengemukakan pendapat bahwa manusia tidak boleh diterapkan sebagai salah satu tujuan. Dalam hal percepatan penanganan di bidang kesehatan efisiensi dan efektivitas dari pengobatan maupun pelayanan sangatlah penting mengingat urgensi dari permasalahan kesehatan yang tinggi. Terbukti dengan penggunaan teknologi dalam negeri yang masih minim meskipun kita tidak menutup mata bahwa ada beberapa teknologi yang digunakan akan tetapi tingkat efektifitasnya masih rendah. Kemajuan teknologi di bidang kesehatan menjadi salah satu tantangan Indonesia kedepan utamanya sebagai peningkatan layanan kesehatan dan stabilitas supply chain. ABSTRACTThis study analyzes the moral hazard discourse of state organizers in an effort to improve the humanitarian supply chain of health insurance in the city of Surabaya. This research method is a qualitative research that interprets moral hazard through immanuel Khan's morality theory. This method is considered appropriate with the use of existing primary and secondary data. Primary data were obtained based on direct observation, indepth interviews, and focus group discussions. Furthermore, secondary data were obtained from past literature, studies, books, research, and other important documents. The focus of this research is moral hazard and humanitarian supply chain. The conclusions of the study show that the morality of human relations with other human beings has its advantages and advantages. It is morals that show the nature of mankind. Kant put forward the opinion that human beings should not be applied as one of the goals. In terms of accelerating treatment in the health sector, the efficiency and effectiveness of treatment and services is very important considering the urgency of high health problems. It is proven by the use of domestic technology which is still minimal although we do not close our eyes that there are some technologies used, but the level of effectiveness is still low. Technological advances in the health sector are one of Indonesia's challenges in the future, especially as improving health services and supply chain stabilit
SISI GELAP DARI RETURN SAHAM DI PASAR MODAL INDONESIA: LIKUIDITAS, DAN RISIKO SISTEMATIS
No full textThe COVID-19 outbreak has had a serious impact on investment activities in Indonesia. One of the aspects of concern in the midst of the coronavirus outbreak is the decrease in investor interest in capital market activities in Indonesia. Therefore, it can be predicted that there is a potential decrease in the level of profit (return) that will be received by shareholders. The purpose of this study is to investigate the influence of liquidity and systematic risks on returns. The analysis tool used to test the influence between panel variables is the analysis of panel data regression. The findings of this study are that liquidation has no significant effect on the return of company shares. In addition, the second finding proves that systematic risk has a positive and significant effect on the return of the company's shares. Our findings are reinforced by the results of robustness test statistically, which confirms that companies that have a high beta value, then the return of the company's shares will tend to be high
PENGARUH LIKUIDIAS DAN PROFITABILITAS TERHADAP HARGA SAHAM MELALUI PRICE TO BOOK VALUE SEBAGAI PEMODERASI
No full textThis study aims to prove and analyze the direct and indirect effect of liquidity and profitability on stock prices through Price to Book Value as moderating. This research was conducted on manufacturing companies in the goods and consumption sub-sector on the Indonesia Stock Exchange. The research period is from 2016 to 2020. The analysis method is carried out using a moderating regression analysis. Based on the results of hypothesis testing in the first sub-structure, it was found that liquidity and profitability had a direct effect on the price to book value of manufacturing companies in the goods and consumption sub-sector, while in the second sub-structure model it was found that liquidity had no significant effect on stock prices, while profitability had a significant effect on stock prices of manufacturing companies. goods and consumption sub-sector. In the indirect effect testing stage, it was found that price to book value did not moderate the effect of liquidity on stock prices, while price to book value strengthened the influence formed between profitability on stock prices in manufacturing companies in the goods and consumption sub-sector on the Indonesia Stock Exchange
PENGARUH KEPEMIMPINAN DAN DISIPLIN KERJA TERHADAP KINERJA APARATUR SIPIL NEGARA PADA DINAS PEMUDA, OLAHRAGA, DAN PARIWISATA KABUPATEN PASAMAN
No full textThis research were done, in order to determined the effect of ledearship and work discipline on the job performance of civil servants on regional office of Youth, Sports and Tourism of Pasaman Regency. The sample in this study amounted to 51 respondents. The data collected in this study were analyzed using multiple linear regression. The results showed that partially leadership had a significant effect on the job performance of civil servants on Regional Office of Youth, Sports and Tourism of Pasaman Regency, with a significant value of 0.000 alpha 0.05. Simultaneously leadership and work discipline have a significant effect on the job performance of state civil aparatus at Regional Office of Youth, Sports and tourism of Pasaman Regency, with a significant value 0.000 < alpha 0.05. The results of the coefficient of determination test indicated that leadership and work discipline contribute 51% of job performance of civil servants Keyword: Leadership, Work Discipline, and Job Performanc