scholarly journals DOES FINTECH PAYMENT GATEWAY EFFECTIVE IN IMPROVING INCOME OF MICROENTERPRISES IN SURABAYA?

2019 ◽  
Vol 3 (2) ◽  
pp. 214-228
Author(s):  
Shochrul Rohmatul Ajija

This study aims to examine the effect on the income of Micro and Small Enterprises (MSEs) in Surabaya. This study uses a quantitative research approach, Paired t-test and Independent t-test methods. The variables used are income, payment gateway, capital, and labor. Type of data source is primary data which is taken directly in the field by the author, namely MSEs who move in several sectors. The result is that the income of MSEs in Surabaya, the use fintech payment gateway, has a significant effect on increasing income by using the paired t-test method. Conversely, if use the Independent t-test payment gateway does not have a significant effect.

2021 ◽  
Vol 6 (4) ◽  
pp. 93-98
Author(s):  
Vaishnavi. D

Aim: Effectiveness of beet root juice on reduction of blood pressure among people with hypertension at Sothupakkam, Kanchipuram district Objectives: (i) to assess the level of blood pressure among people with hypertension residing at Sothupakkam. (ii) to evaluate the effectiveness of beetroot juice on reduction of blood pressure among people with hypertension (iii) to find out the association between effectiveness of beetroot juice on reduction of blood pressure with the selected demographic variables. Methodology: Researcher adopted the quantitative research approach, one group pre test and post test design, study samples with the age group 25-65 years old for 60 samples at Sothupakkam Kanchipuram district using purposive sampling technique Results: The findings of the study was pre and post systolic mean difference 30.66 with the standard deviation 10.39 and applying paired ‘t’ test value 22.8 and pre and post diastolic mean difference 17.33 with standard deviation 10.22 and applying the paired ‘t’ test value 13.1 since the calculated value was greater than the table value at 0.05 level of significance. Hence it was significant improvement in reduction of blood pressure among people with hypertension. It has shown that the consumption of beet root juice was effective Conclusion: The present study was conducted in sothupakkam village with the sample size 60 people with hypertension and they had been administered with the beet root juice on reduction of blood pressure which showed the remarkable changes in the health status of the susceptible of people with hypertension and they had give the feedback regarding the effectiveness of the natural home remedy. Keywords: Beet root juice, hypertension, high blood pressure.


2020 ◽  
Vol 9 (1) ◽  
pp. 275-279

The problem of breastfeeding is part of the problem of discomfort in postpartum mothers for 2 hours after giving birth. This problem often causes trauma to postpartum mothers during breastfeeding, psychological disturbances, and increases morbidity in the mother and baby due to inadequate breast milk. The practice of Oxytocin massage, Moringa leaves and Katuk leaves at the same time can improve the quantity and quality of breast milk in maternal patients with 36-40 weeks' gestation. This type of research is quantitative research. Respondents numbered 30 were selected by determining purposive sampling in each group consisting of 10 mothers. Data were analyzed using a Paired t-test and Independent sample t-test with an α level of 0.05. The results showed that there was an increase in the quantity of breastfeeding. On the 3rd day, the quantity of breast milk with volume of 45 cc. In the week I with a volume of 10.50 cc, week II 86.50 cc, week III 168.50 cc and week IV as much as 275 cc. It shows that there are differences in quality on days 3 to week IV. The results of data analysis also showed that the 3rd day the quality of breast milk is rather yellow and rather thick, then the first week to the third week rather yellow and thin. At week IV, the quality of breast milk is white and runny. There is an increase in the quality and quantity of breast milk in all three groups.


2019 ◽  
Vol 1 (1) ◽  
pp. 41-47
Author(s):  
Sitti Aulia Hidayat ◽  
Salsa Anggeraini ◽  
TaufiQul Hidayat

To know the effect of cupping therapy to decrease cholesterol levels in patients at Home Healthy hiperkolestrolemia Al-hijamaah in the year 2014/2015. Research observational analytic-numerical categorical pairs. Samples were hypercholesterolemic patients at Home Healthy Al-hijamaah in 2014/2015. Taken by using non-probability sampling technique with purposive sampling method. The primary data obtained directly from respondents, and analyzed by paired T test. The number of samples involved in this study were 45 respondents. Most of the samples were aged 20-45 years were 28 respondents (62.2%), female 27 respondents (60%), and average cholesterol levels before cupping therapy of 262.84 mg / dl and the average after cupping therapy 239.53 mg / dl. In this study, the results of Test Independent t test t test = 2.64 with p = 0,010 (p 0.05) which means that there are significant differences in cholesterol levels before and after cupping therapy


2021 ◽  
Vol 3 (1) ◽  
pp. 77
Author(s):  
Nila Sari ◽  
Agus Amroni

The aim of this research was to motivate students by using social media to teach writing hortatory exposition text. The researcher chooses two media such us Instagram and Facebook. The application of teaching writing of hortatory exposition text at eleventh grade of SMAN 1 Ngadiluwih by using social media Instagram and Facebook to hold the interesting and enjoyable learning activity. This research was quantitative research approach, whereas the research design used true experimental. This research chosen randomly in Instagram class (social one class) and Facebook class (social two class). The instrument used in the research was writing test. The procedure lasted 4 meeting and 1 meeting to do test. The result of t-test showed that: the mean score of Instagram class (M= 68.79) is lower than Facebook class (M= 77.07), and independent sample t-test which values of the sig-2 tailed is 0.000 and 0.000<0.005. Thus, it can be concluded that Facebook is more effective than Instagram in teaching and learning English Hortatory Exposition Text.


PARAMETER ◽  
2021 ◽  
Vol 6 (1) ◽  
pp. 38-49
Author(s):  
Rini Ardista

This research aims to determine and analyze the effect of service quality on customer satisfaction of PT. Langit Membiru Wisata Bogor, to find out how big the influence and relationship between service quality and customer satisfaction. The sample used was 100 respondents taken through t-test or interviews, observations, and questionnaires at PT. Langit Membiru Wisata Bogor and the primary data source processed with SPSS 25. The t-test results show the effect of service quality on customer satisfaction, this is evidenced by the variable (X) service quality and variable (Y) customer satisfaction has a value less than 0.05, namely (0.00 <0.05), this is proven with the value in the t test obtained t count 91.624> t table 5.293, so it can be concluded that the hypothesis can be accepted. Abstrak Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh kualitas pelayanan terhadap kepuasan pelanggan PT. Langit Membiru Wisata Bogor, untuk mengetahui seberapa besar pengaruh dan hubungan antara kualitas pelayanan dengan kepuasan pelanggan. Sampel yang digunakan adalah 100 responden yang diambil melalui uji-t atau wawancara, observasi, dan angket pada PT. Langit Membiru Wisata Bogor dan sumber data primer diolah dengan SPSS 25. Hasil uji t menunjukkan adanya pengaruh kualitas pelayanan terhadap kepuasan pelanggan, hal ini dibuktikan dengan variabel (X) kualitas pelayanan dan variabel (Y) kepuasan pelanggan memiliki nilai lebih kecil dari 0,05 yaitu (0,00 < 0,05) hal ini terbukti dengan nilai pada uji t diperoleh t hitung 91,624 > ttabel 5,293, sehingga dapat disimpulkan bahwa hipotesis dapat diterima.


2019 ◽  
Vol 1 (2) ◽  
pp. 8-16
Author(s):  
Andhy Saputra ◽  
Ijma Ijma

Good governance of private tertiary institutions is a series of mechanisms to direct and control a tertiary institution so that it runs in accordance with the expectations of all interested parties, by applying the principles of transparency, accountability, responsibility, fairness, independence, equality and fairness. This study aims to determine and analyze the financial performance of STIE Mujahidin Tolitoli in terms of liquidity ratios, solvency ratios, activity ratios and profitability ratios. The study uses a quantitative research approach design by analyzing primary data. Based on the results of research and discussion it can be concluded that the financial performance condition of STIE Mujahidin Tolitoli in terms of Liquidity, Solvency, Activity and Profitability aspects after streamlining the manager structure has increased in value which can be interpreted that the financial performance after streamlining the manager structure is better than before because the value continues to increase and is above the industry average standard.


Author(s):  
Miroslava Dolejšová

The aim of this paper is to compare the performance of small enterprises in the Zlín and Olomouc Regions. These enterprises were assessed using the Altman Z-Score model, the IN05 model, the Zmijewski model and the Springate model. The batch selected for this analysis included 16 enterprises from the Zlín Region and 16 enterprises from the Olomouc Region. Financial statements subjected to the analysis are from 2006 and 2010. The statistical data analysis was performed using the one-sample z-test for proportions and the paired t-test. The outcomes of the evaluation run using the Altman Z-Score model, the IN05 model and the Springate model revealed the enterprises to be financially sound, but the Zmijewski model identified them as being insolvent. The one-sample z-test for proportions confirmed that at least 80% of these enterprises show a sound financial condition. A comparison of all models has emphasized the substantial difference produced by the Zmijewski model. The paired t-test showed that the financial performance of small enterprises had remained the same during the years involved. It is recommended that small enterprises assess their financial performance using two different bankruptcy models. They may wish to combine the Zmijewski model with any bankruptcy model (the Altman Z-Score model, the IN05 model or the Springate model) to ensure a proper method of analysis.


2020 ◽  
Vol 4 (2) ◽  
pp. 77-94
Author(s):  
Wihastinelahi Wihastinelahi ◽  
Teguh Erawati

This research was conducted to find out the role of village financial system (Siskeudes) on the performance of village administration with good governance as an intervening variable in Kulon Progo Regency. This research employed quantitative research approach. The data used were primary data. The informants used were village Kaur  and Kasi, the village secretaries, the village financial system operators (Siskeudes). The result showed that: (1) village financial system (Siskeudes) influences on the good governance; (2) good governance influences on the performance of the village administration; (3) village financial system (Siskeudes) no effect to performance of village administration; (4) village financial system (Siskeudes) on the performance of village administration with good governance an an intervening variable.


2021 ◽  
Vol 9 (2) ◽  
pp. 199-208
Author(s):  
Solomon Terfasa Dinka

In the modern world, industrial transformation receives great attention. As a result, many companies are becoming successful by implementing Kaizen as a change agent. Nevertheless, there were few pathways of continuous improvements, mainly because of abandonment of Kaizen philosophy, organizational resistance to change, lack of proper implementation and monitoring techniques, lack of employees’ motivation, and scarcity of resources. The study aimed to examine Kaizen implementation and its challenges in small and medium manufacturing firms of Woliso town. The study employed descriptive research adopting a quantitative research approach—the researcher used 55 small and medium manufacturing firms of Woliso town. In addition, the study employed primary data collected through open-ended and close-ended questionnaires. The study found that most sampled firms lack awareness about Kaizen because of a lack of training opportunities. Similarly, Kaizen philosophy is considered exhaustive and routine the attitude of owners, managers, and employees in Kaizen implementation is very weak. Finally, the study recommended that it is important to provide continuous training programs for employees and managers of small and medium manufacturing firms. Most importantly, to extend Kaizen's philosophy, it is essential to incorporate it into the school curriculum.


2020 ◽  
Vol 3 (2) ◽  
pp. 115
Author(s):  
Mauludi Mauludi

The mosque has a very important role for the community, because the mosque has a role in prospering the community, not only as a place of worship, even the solution to life’s problems is in the mosque. The mosque also organizes many activities or program the takmirof the mosque must prepare everything properly, such as good facilities for pilgrims, the selection of priests and mosque managers who are competent in the field of spirituality to ensure the comfort and comfort of worshipers.The purpose of this reseach is to find out how to use air conditioner facilities in mosques and know how to maintain air conditioner facilities at mosques Baituk Ihsan. The research approach is descriptive case study approach because researchers describe a phenomenon using various sources of data. Source of the data in this study are primary data sources totaling 3 informants consisting of priests at the Masjid Baitul Ihsan Bank Indonesia Surabaya, chairman of takmir as well as a logistics section in BI and AC technicians in the Masjid Baitul Ihsan Bank Indonesia Surabaya. Data collection techniques used in this study are: Observation techniques, interview, and documentation. Processing techniques and data analysis are: data reduction, data display, and conclusion drawing/verification. The result of the study indicate that the management of the air conditioner facilities in the Masjid Baitul Ihsan Bank Indonesia Surabaya is in accordance with the 7 stages of the process delivered by Suherman. This research has resulted in a good way to treat central AC. The implication of this research needs to be paid more attention to the evaluation of AC treatment at the Masjid Baitul Ihsan Bank Indonesia Surabaya. Masjid memiliki peran yang sangat penting bagi masyarakat, karena masjid memiliki andil dalam mensejahterahkan masyarakat, tidak hanya sebagai tempat beribadah saja, bahkan solusi dari permasalahan kehidupan ada di masjid. Masjid juga mengatur banyak sekali kegiatan atau program, para takmir masjid harus mempersiapkan segala sesuatunya dengan baik, seperti  fasilitas yang baik untuk para jama’ah, pemilihan imam serta menejer masjid yang berkompeten dalam bidang kerohanian untuk menjamin kekhusyuan dan kenyamanan jama’ah ketika beribadah. Penelitian ini bertujuan untuk mengetahui bagaimana cara pemanfaatan fasilitas air conditioner di Masjid Baitul Ihsan dan mengetahui bagaimana sistem pemeliharaan fasilitas air conditioner di Masjid Baitul Ihsan. Pendekatan penelitian yang dilakukan adalah pendekatan studi kasus deskriptif karena peneliti menggambarkan sebuah fenomena dengan menggunakan berbagai sumber data. Sumber data dalam penelitian ini adalah sumber data primer berjumlah 3 informan yang terdiri dari imam masjid Baitul Ihsan Bank Indonesia Surabaya, ketua takmir sekaligus bagian logistic di BI dan teknisi AC di masjid Baitul Ihsan Bank Indonesia Surabaya. Teknik pengumpulan data yang digunakan dalam penelitian ini adalah: teknik observasi, wawancara dan dokumentasi. Teknik pengolahan dan analisis data adalah: Data reduction (reduksi data), data display (penyajian data), conclusiondrawing/verification (penarikan kesimpulan). Hasil penelitian menunjukkan bahwa manajemen fasilitas air conditioner di masjid Baitul Ihsan Bank Indonesia Surabaya sudah sesuai dengan 7 tahapan proses yang disampakain oleh Suherman. Penelitian ini menghasilkan terkait cara perawatan yang AC central yang baik. Implikasi dari penelitian ini perlu lebih di perhatikan lagi terkait evaluasi perawatan AC di masjid Baitul Ihsan Bank Indonesia Surabaya.


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