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The Role Of Financial Technology And Customer Behavior Mediation Employee Engagement On Sharia Bank Performance In Padang, West Sumatra Province, Indonesia
Get PDFThis research examined the factors that affect Sharia Bank Performance of the state-owned Islamic banks in Indonesia. Data were collected by distributing an online questionnaire to a total of 250 Muslim customers. Furthermore, the collected data were analyzed using SEMPLS. The findings indicate that Financial Technology (fintech), Customer Behavior (CB) and Employee Engagement (EM) can enhance Sharia Bank Performance (SBP). This suggested that, in Padang West Sumatera Indonesia, where most of the population is Muslim, businesses prioritizing Shariah compliance through Employee Engagement are more likely to retain customers. This research provides empirical evidence to Islamic banks regarding the significance of Employee Engagement. The study suggests that, based on its findings, the various branch managers in charge of EM should develop, nurture, and maintain attractive EM practices as an system to help boost bank performance Based on the findings, bank management tends to consider to integrate the Financial Technology, Customer Behavior and Employee Engagement, into the banking business model
The K3 Policy Strategy To Improve Worker Safety In PT. Nusa Raya Cipta TBK Medan In 2023
Get PDFLabor has an important role and position as actors and development goals. To improve the quality of the workforce, employment development is needed aimed at increasing protection for workers. Occupational safety and health (K3) has a very important role in every organization. Data shows that there are still many companies that have not implemented an effective K3 policy strategy, as evidenced by the high numbe r of work accidents and fatalities in Indonesia. This research combines several methods, namely interviews and library or literature studies. Data collection uses in - depth interview techniques, observation and documentation. The validity and reliability of the data was carried out by source triangulation. The data analysis used in this research uses inductive qualitative data analysis techniques. Activities in data analysis include reduction, data presentation and drawing conclusions. The research results show that K3 policy strategy planning is implemented in accordance with government regulations contained in PP No. 20 of 2012. Supervision is carried out with company references in the form of Law no. 1 of 1970 and ISO 45001:2015 where the number of K3 supervision is 2 Safety Officers or according to the needs of the project. Meanwhile, reporting is carried out internally, containing incident reports to the Project Manager and Branch Manager which are carried out via telephone or verbally by the safety officer on dut
Aweb-Based Library Application Design At SMP Negeri 18 Medan
Get PDFThe school library serves as a vital facility in educational institutions, providing a wide range of materials including books and non-books for teaching and learning purposes. SMP Negeri 18 Medan, located in North Sumatra, Indonesia, is equipped with its own school library. However, the management of these libraries is currently manual, with borrowing and returning recorded transactions using traditional methods, resulting in time-consuming processes for both recording and retrieving book data
Senja Coffee Coffee Shop Business Plan In Sentul
Get PDFThe development of coffee shops in the modern era is currently growing, it is proof that people who behave consumptively as coffee connoisseurs are increasing. Senja Coffee Sentul is located in the highlands of Sentul, using a 50:50 mixture of Robusta and Arabica coffee so that the sweet, sour, bitter taste of the original coffee beans produced will be balanced/balanced and delicious. SCS has a Romantic-Ethnic concept as a place with beautiful, simple, clean, comfortable, but romantic views at affordable prices for young people, or families with an attractive layout and interior, which consists of Indoor (there is a special romantic table spot) and outdoor with beautiful open spaces. Payment methods are not only in cash but can also be non-cash through an EDC machine for debit/credit cards, or with a QR Code that is connected to supporting applications such as Gopay, OVO, Shopeepay, Travelokapay and mobile banking. The method used in this research is a qualitative descriptive analysis based on information obtained from the literature study and the applied business model, with the Business Model Canvas instrument. The assessment of Senja Coffee Sentul's business plan is carried out with NPV analysis parameters with positive results, Payback Period of 0.9 or for 10 months with an IRR of 69%, which means that SCS is feasible to run
Community Empowerment Strategy Through Local Wisdom By The Village Community Empowerment Service Using An Ecosystem Approach In The Era Of The Industrial Revolution In The Meepago Traditional Territory, Central Papua Province
Get PDFThe results of this research aim to raise the issue of the community empowerment strategy implemented by the Village Community Empowerment Service (DPMK) through the use of local wisdom in the Meepago traditional area in the context of the Industrial Revolution 4.0 era. The research method used is a qualitative research method to formulate ideal conditions for community empowerment through local wisdom with an ecosystem approach in the Meepago traditional area, Central Papua province. The researcher used two theories, namely the JunghoRoh theory (2018) and strategy analysis using ASOCA, which stands for (Ability.Strength,Opportunities, Culture and Agility). According to Suradinata (2014:18), ASOCA analysis adds elements of culture (culture) and agility (intelligence) as important elements in finding problem-solving strategies, decision making, and can be developed to follow changes, developments and needs. Based on the data and analysis described previously, it can be concluded that this research found that empowerment strategies based on local wisdom not only strengthen the cultural identity of the Meepago community but are also able to encourage innovation and technological adaptation that is relevant to local needs. In addition, collaboration between government, society and the private sector through an ecosystem approach produces effective synergies in achieving sustainable development goals
An Implementation Of Government Regulation On Growth Levels And Mandatory Compliance MSME Tax
Get PDFThis research examines the implementation of government regulations related to growth rates and tax obligations for Micro, Small and Medium Enterprises (MSMEs) in Indonesia. The focus of the research is to evaluate the effectiveness of MSME tax policies regulated in Government Regulations, as well as their impact on the growth and sustainability of MSME businesses. The research method used is a qualitative approach with in-depth interview techniques and document analysis. Data is collected from various sources, including government officials, MSMEs and tax experts. Data analysis was carried out using the thematic method to identify patterns and trends in the implementation of MSME tax policies. The research results show that the implementation of MSME tax regulations has provided several benefits, such as simplifying the tax process and reducing the administrative burden for MSME players. However, the research also found several significant challenges, including a lack of understanding and socialization of tax policies among MSMEs, as well as difficulties in accessing adequate technical support and information. In addition, this research identifies that although there has been an increase in MSME tax compliance, many MSME actors still operate in the informal sector and have not been fully integrated into the formal tax system. Factors such as low financial literacy, distrust of government institutions, and negative perceptions of tax obligations are the main obstacles to implementing this policy. The conclusion of this research shows that to increase the effectiveness of MSME tax regulations, the government needs to increase tax outreach and education efforts, provide better technical support, and build stronger trust and partnerships with MSME actors. In this way, MSME taxation policies can more effectively encourage economic growth, increase state income, and support the sustainability of MSME businesses in Indonesia
Implementation Of Application Based Village Financial System (SISKEUDES) Policy In Minahasa Regency
Get PDFImplementation of the Application-Based Village Financial System Policy (SISKEUDES) in Minahasa Regency is still not optimal in its implementation. In this research, researchers want to analyze, understand and describe the implementation, obstacles and efforts regarding the Application-Based Village Financial System (SISKEUDES) carried out by the Minahasa Regency Government and the Village Government. This research uses a qualitative approach with descriptive methods. This research uses a qualitative approach with descriptive methods. The sampling technique consists of purposive sampling and snowball sampling. Data collection used by researchers is through observation, interviews and documentation. Data analysis techniques consist of reduction (data reduction), display (data presentation) and verification (drawing conclusions/verification). The results of this research indicate that the implementation of the Application-Based Village Financial System Policy (SISKEUDES) in Minahasa Regency is still not running optimally in terms of implementing E-Government in local government agencies. Obstacles in the Implementation of the Application-Based Village Financial System (SISKEUDES) Policy are: limited number and quality of human resources, conformity with Standard Operating Procedures (SOP). Efforts are being made to overcome obstacles in the Implementation of the Application-Based Village Financial System Policy (SISKEUDES) in Minahasa Regency, namely, increasing the Number and Quality of Human Resources, namely, personnel and equipment as drivers in the village must be managed and empowered effectively and efficiently so that the potential is can be used optimally, then maximize compliance with Standard Operating Procedures (SOP), namely, always coordinating between related parties or village officials and operators. Other efforts can also be made, namely with technical guidance regarding siskeudes which must be carried out routinely every year
The Comparison Of Starting Current In Three-Phase Induction Using Direct And Autotransformer Using Matlab Simulation
Get PDFStarting an induction motor can lead to a substantial initial current surge, causing a voltage drop that may surpass permissible limits. This surge, known as starting current, is characterized by a sudden and high-value current that occurs during the operation of a transformer or motor. Therefore, it is imperative to implement a proper starting method for a 3-phase induction motor. This study focuses on a 10 hp or 7.5 kW induction motor and employs Matlab simulation to analyze the starting characteristics. The simulation results reveal that an increase in the source voltage correlates with a proportional rise in the starting current. Adjusting the source voltage entering the Autotrafo provides a means to regulate and reduce the magnitude of the starting current. In the case of direct starting, the simulation indicates a starting current of 108.5 A at a speed of 1476 rpm, contrasting with a normal current of 9.218 A at a speed of 1464 rpm. On the other hand, starting with the autotransformer method yields a starting current of 76.14 A at a speed of 1467 rpm, with a normal current of 9.078 A at a speed of 1424 rpm. This results in a notable difference in starting current of 32.36 A. Comparatively, direct starting generates the highest starting current, emphasizing the necessity to avoid this method to prevent rapid motor breakdown. The autotransformer method proves to be a more efficient alternative, showcasing a reduced starting current and providing a more reliable and sustainable approach to initiate the induction motor
A, The The Role Of Family Management In Theformation Of Children's Character : A Literature Review
No full textFamily is one of the most important factors in a child's success. As a child grows and develops, the family becomes the natural foundation. The physical and psychological development of a child takes place within the family. This paper attempts to investigate the viewpoint of family management. The socio-culture of the family has undergone significant changes in the millennial era, which is characterised by the rapid development of technology and information. The speed of globalisation makes the industrial revolution 4.0 unstoppable. The results of analyses from various sources and references show that there is a need for adaptive strategies in family education given the constant changes of the times
The Effect Of Adding Iron Powder Waste On Soil Carrying Capacity Case Study Of Soil In Kedungpring District
Get PDFLand is useful as a support for building foundations and as a building material itself. Factors that affect the bearing capacity of the soil include: soil type, density level, water content, and others. Human activities in meeting their needs sometimes cause soil mobilization. For that, it is necessary to improve the shrinkage properties of the soil. The purpose of this study is to analyze the California Bearing Ratio (CBR) value of clay soil with the addition of iron powder waste as a mixture, which is expected to be able to strengthen the bearing capacity of the soil in the soil pavement layer. The purpose of this study was to determine how much influence the addition of iron powder waste to clay soil has on the California Bearing Ratio (CBR) value. The methods used are direct shear test and CBR test. By going through the stages of testing including, water content testing, soil specific gravity testing, wet volume testing, dry volume testing, plastic limit testing, liquid limit testing, free pressure testing, standard density testing, California Bearing Ratio (CBR) test, and direct shear test. It is known from the results of the CBR Test, the CBR value of the soil increased from normal soil testing by 2.65% to 3.48% after adding a mixture variation of 5% iron powder, to 3.10% after adding a mixture variation of 10% iron powder, and there was a decrease after adding a mixture variation of 15% iron powder by 2.66% and for direct shear testing (Direct Shear Test) there was an increase of 12.7217 kg/cm2 in the 10% iron powder mixture variation