Portal Jurnal (Institut Pesantren KH Abdul Chalim Mojokerto)
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The Effect of Capital Structure on Profitability in Health Sector Companies Listed on the Indonesia Stock Exchange (IDX) for the 2022–2024 Period
Full text linkThis study intends to examine the influence of capital structure on Profitability in health sector companies listed on the Indonesia Stock Exchange (IDX) during 2022–2024. The capital structure used in this study was proxied with DAR and DER, while Profitability was measured by ROA. This study uses a quantitative approach with multiple linear regression analysis methods. The study sample consisted of 18 companies through purposive sampling techniques from a total population of 35 companies. The results of the analysis showed that the DAR variable had a negative and significant influence on Return on assets (ROA), while the DER did not show a significant influence. Simultaneously, these two independent variables have been shown to have a significant effect on ROA. These findings confirm the importance of managing capital structures, especially the use of debt in influencing the company's Profitability performance in the health sector
The Effect of Trust and Service Quality on Loyalty with Satisfaction as a Mediation Variable: A Case Study on Deposit Customers of PT. BPR BKK Jepara (Perseroda)
No full textCustomers are an essential component as one of the elements of bank credibility. Customer loyalty can be used as an indicator to see the bank's ability to meet customer needs. This study aims to analyze efforts to increase customer loyalty through trust, service quality and satisfaction. The population in this study were deposit customers at PT BPR BKK Jepara (Perseroda). The sample in this study was 100 respondents. Sampling was taken using a purposive sampling technique with the following criteria: being a customer of the operational head office, aged over 17 years and being a customer for more than 1 year. Data analysis techniques used include: respondent description, variable description, instrument test and regression analysis test, and mediation test using the Sobel test. The results of the data analysis indicate that customer trust does not affect satisfaction, service quality has a significant positive effect on satisfaction, customer trust has a significant positive effect on loyalty, service quality has a significant positive effect on loyalty, satisfaction has a significant positive effect on loyalty. The results of the mediation test indicate that satisfaction does not mediate the effect of trust on loyalty. However, satisfaction mediates the effect of service quality on loyalty
An Empirical Study on the Determinants of Bank Financial Stability: The Moderating Role of Bank Size in the Relationship Between Financial Performance
Full text linkThis study aims to measure the determinants of bank financial stability in Indonesia, with a focus on the effect of financial performance measured using the Z-Score ratio as a proxy for financial stability, Return on Assets (ROA) as a proxy for profitability, Capital Adequacy Ratio (CAR) for liquidity, and Loan to Deposit Ratio (LDR) as a proxy for solvency, along with the natural logarithm of total assets to measure the moderating variable of Bank Size. The sample was selected using purposive sampling from the population of banking companies listed on the Indonesia Stock Exchange (IDX) that fall under the KBMI 4, 3, and 2 bank categories in 2025, with time series data from 2020 to 2024. The analysis was conducted using the Moderated Regression Analysis (MRA) method. The results of this study show that CAR has a significant effect on bank financial stability from 2020 to 2024, and that Bank Size significantly moderates the effect of LDR. The findings are expected to provide valuable insights for regulators, bank management, and investors in maintaining and enhancing the stability of the financial system in Indonesia. The results of this study show that between Return on Asset (ROA), Loan to deposit Ratio (LDR) and Capital Adequacy Ratio (CAR), CAR has a significant effect on bank financial stability during the period 2020–2024, and that the Bank Size variable is able to significantly moderate the effect of the LDR variable. The implication of this research is that bank management must have regulations are designed to be able to minimize risks and avoid defaults so that the profitability of banks increases in Indonesi
The Effectiveness of the Utilization and Distribution of Productive and Consumptive Zakat in the 5 Programs of BAZNAS Batam City (A Case Study of BAZNAS Batam City)
Full text linkThis research investigates the effectiveness of the utilization and distribution of zakat across five key programs of BAZNAS Batam City: Batam Makmur, Batam Cerdas, Batam Sehat, Batam Taqwa, and Batam Peduli. The study employs several analytical tools, including the Allocation to Collection Ratio (ACR), Fishbone Diagram, and the CIBEST Model. Findings reveal that the Batam Makmur program has the lowest distribution rate at 7% when compared to the other programs. Based on ACR analysis, BAZNAS Batam City falls within the effective category, although the distribution of productive zakat remains suboptimal. The Fishbone Diagram highlights critical challenges, particularly related to human resources and the educational level of mustahik. Furthermore, the CIBEST Model indicates that zakat distribution contributes positively to the material and spiritual well-being of mustahik. The study suggests enhancing mustahik education and adopting digital zakat distribution systems as key strategic improvements
Optimization of Heritage Tourism Village Marketing Through the Pentahelix Model (Case Study of Terban Village)
Full text linkThis research aims to analyze the marketing strategy of Terban Tourism Village in Kudus Regency using the Pentahelix model approach. The research employs a descriptive qualitative method with data collection techniques including documentation, in-depth interviews, surveys, and observations. Data analysis uses the Miles et al. model, comprising data condensation, data presentation, and conclusion drawing. The results show that Terban Tourism Village has potential as a heritage tourism destination with advantages in the Patiayam Archaeological Site, Grenjengan Waterfall, and Japanese Cave, but collaboration among Pentahelix stakeholders is not yet optimal. Analysis of the tourism marketing mix identifies strengths in unique tourist attractions and multi-channel marketing strategies, while weaknesses are found in amenities, heritage value interpretation, and minimal academic involvement. SWOT analysis places Terban Tourism Village in Quadrant I (X=0.89; Y=1.02), indicating a strategic position for implementing aggressive growth strategies. Key recommendations include developing integrated heritage tourism products, optimizing digital marketing, strengthening interpretation through collaboration with academics, revitalizing the Tourism Awareness Group (Pokdarwis), and establishing a Pentahelix coordination forum. Strategy implementation requires a clear role distribution among the five Pentahelix actors to realize Terban Tourism Village as a leading sustainable heritage tourism destination
Analysis of the Relationship Between Organizational Culture, Training, and Employee Performance Via the Lens of Participatory Leadership, with Work Satisfaction Acting as a Moderator
Full text linkEmployee performance over the past three years has been all over the place, therefore something needs to be done about it. With employee job satisfaction serving as a moderating variable, this study seeks to further analyse the effects of participatory leadership, organisational culture, and training on employee performance. The researchers in this study drew their 100-person sample using the Slovin technique. The hypothesis test found that there was a positive and statistically significant relationship between employee performance and factors such as participative leadership, organisational culture, and job satisfaction. The impact of training on employee performance was unfavourable but not statistically significant. Employee Job Satisfaction was found to moderate the association between Organisational Culture and Employee Performance, according to the results of the moderation test
Analysis of the Impact of Legal Consequences on the Intention and Behavior of Digital Platform Piracy in Indonesia
Full text linkThis study aims to test and analyze the impact of legal consequences on the intention to pirate digital products by integrating the legal consequence approach, ethics, and the Theory of Planned Behavior (TPB) to understand the practice of pirating digital products better. This study was conducted in Indonesia without being limited to a specific geographical area. The objects of research used are websites and platforms (such as Bolasiar.com, IndXXI, Spotify, Netflix, Video, Telegram, and the like). The population in this study is Indonesian people with various religious backgrounds who access websites or platforms from multiple sources to obtain digital products without a valid license. The data for this study are primary data from an online survey of 204 respondents. In practice, this study employs a convenience sampling technique administered to respondents via Google Forms, resulting in valid and reliable measurements. The type of SEM analysis used in this research is Partial Least Squares (PLS-SEM). The findings indicate that perceived likelihood of punishment, self-efficacy, and subjective norms have a positive influence on attitudes toward digital product piracy, whereas fear of legal consequences, attitudes toward piracy, and facilitating conditions do not have a significant effect on attitudes toward digital product piracy
Model for Improving Employee Performance Through Workload and Work-Life Balance of Employees at PT PLN (Persero) UP3 Balikpapan
Full text linkEmployee performance in a company has an important factor, management must monitor the performance of all employees to ensure the best performance. An increase or decrease in employee performance can be influenced by various factors, including external factors including workload and work-life balance. Providing a workload that meets standards can support the achievement of optimal employee performance, and employee balance at work needs to be improved so that employees have optimal performance. The type of research used in this research is explanatory research. This research took place at PT PLN (Persero) UP3 Balikpapan with a research sample of 130 employees. The data collection technique uses a questionnaire. In this research, data analysis uses the SEM-PLS method with SmartPLS (Partial Least Squares) software. Research results 1) Workload has a negative and significant effect on employee performance. Based on the p-value of 0.004 < 0.05 plus the T-Statistics value (2.857) > 1.96, the original sample value is 0.258 (negative). 2) The workload has a negative and significant effect on work-life balance. Based on the P-Values value of 0.002 < 0.05 and the t-statistics value (3.226) > 1.96), the original sample value is 0.327 (negative). 3) Work-life balance has a positive and significant effect on employee performance. Based on the P-value of 0.000 <0.05 and the T-Statistics value (4.695)>1.96, the original sample value is 0.353 (positive). 4) Work-life balance is able to mediate the influence of workload on employee performance based on the P-values specific indirect effect value of 0.023 < 0.05 and t-statistic value (2.177) > 1.96).
 
DEVELOPMENT OF THE PENTUPLE BOTTOM LINE MODEL IN MODERATING THE EFFECT OF FINANCIAL LITERACY AND FINANCIAL INCLUSION ON MSME BUSINESS SUSTAINABILITY
Full text linkThis study employs a Systematic Literature Review (SLR) approach to explore and synthesize prior research regarding the impact of financial literacy and financial inclusion on the business aspirations of Micro, Small, and Medium Enterprises (MSMEs). It also examines the potential implementation of the Pentuple Bottom Line concept as a comprehensive moderation framework. The SLR process involved analyzing scholarly articles published between 2013 and 2024 across databases such as Scopus, Google Scholar, and ScienceDirect using relevant keywords. The findings indicate that both financial literacy and financial inclusion consistently exert a positive influence on MSME aspirations, particularly in the economic and social domains. Nonetheless, there is a noticeable gap in research that incorporates the environmental, social, and spiritual dimensions encapsulated in the Pentuple Bottom Line model. As a result, the adoption of this framework is suggested to reinforce MSME sustainability strategies. This study provides a conceptual contribution by introducing a novel perspective for research and practice in value-driven sustainable business development
Analysis of the Influence of Online Promotion, Service Quality, and Price on the Sustainability of Culinary MSMEs
Full text linkThis study aims to analyse the influence of online promotion, service quality, and price on the sustainability of culinary MSMEs in Dodolan Kampung, Lumajang. This study also aims to identify the most dominant factor influencing business sustainability among the three variables. This study uses a quantitative approach with a survey method through a structured questionnaire. The research sample consists of 80 respondents who are MSME consumers participating in Dodolan Kampung, with a non-probability sampling technique. The data was analyzed using multiple linear regression to test the effect of online promotion, service quality, and price on MSME sustainability. The results show that service quality and price have a positive and significant effect on the sustainability of culinary MSMEs in Dodolan Kampung. However, online promotion does not show a significant effect. Of the three variables tested, service quality is the most dominant factor in supporting business sustainability. This study contributes theoretically by presenting empirical evidence on the sustainability of culinary MSMEs from a marketing perspective, particularly in the context of local community-based initiatives such as Dodolan Kampung. The findings of this study challenge common assumptions about the effectiveness of digital promotion, showing that service quality and price play a more important role than online promotion in small-scale businesses in non-urban areas. This study implies that MSME players need to optimize digital promotion, improve service quality, and implement value-based pricing strategies to maintain business sustainability. For policymakers, these findings can serve as a basis for designing digital marketing and customer service training programs and providing policy support that promotes the sustainable competitiveness of MSMEs. This study has limitations in terms of geographical scope, as it only covers culinary MSMEs in Banguntapan District, so the results cannot be generalized to other regions or different MSME sectors. In addition, the quantitative approach used does not explore in depth qualitative factors such as motivation, business culture, and customer relationship dynamics that may also influence MSME sustainabilit