Pengaruh Harga dan Kualitas Pelayanan terhadap Keputusan Nasabah Menggunakan Produk Pembiayaan Pensiun pada Bank Syariah Mandiri Kantor Cabang Padang Ulak Karang

The purpose of this study was to study and analyze the price and quality of services to spending decisions using financial products at Bank Syariah Mandiri, Padang Ulak Karang Branch Office.The research method used is descriptive quantitative. Based on the regression analysis, multiple linear price variables and service quality towards spending decisions using award financing products at PT. Bank Syariah Mandiri Branch Office of Padang Ulak Karang obtained Y = 16,284 + 0.472X1-0192 X2 + 0.229 X3-0.709 X4-0.161 X5 + 0.683 X6 + e.The results of this study only determine the price and empathy that is positive and significant to real decisions, reliability, responsiveness, guarantees are negatively related and not significant to decision making.Keywords: price, service quality and expenditure decisions.

Pengaruh Kualitas Produk dan Citra Merek terhadap Keputusan Pembelian pada Roti CV. Rima Bakery di Kota Padang

CV Rima bakery is a home-based bread company or can be referred to as SMEs (small and medium-sized businesses) that produce bread with a variety of types and flavors that are marketed throughout Padang City, this study aims to determine the effect of product quality, and brand image of consumers on purchasing decisions on bread Cv. Rima Bakery in Padang City. In testing this hypothesis using a t test with a significance level of 5%. Product Moment and Cronbach Alpha of consumer choice are used to measure validity and reliability, tests have been carried out that all variables show valid and reliable. The results of the partial test (t test) that the quality of the product there is a t value of 2.565 with a significant value of 0.11 when compared to t table, t-count is greater than t-table then it can be interpreted or show a significant value of 0.011> 0.05, then Ho is rejected and Ha is accepted and has a positive and significant influence on purchasing decisions, brand image has a t value of 5.813 with a significant value of 0.00 when compared to t table, t-count is greater than t-table, it can be interpreted or show the value significant 0,000 <0.05, then Ho is rejected and Ha is accepted and has a positive and significant influence on purchasing decisions. Keywords: product quality, brand image, purchasing decisions.

Pengaruh Motivasi, Kepuasan Kerja dan Disiplin Kerja terhadap Kinerja Karyawan pada PT. Japfa Comfeed Indonesia Tbk. Unit Padang

ABSTRACTThe purpose of this study was to examine whether the effect of motivation, job satisfaction and work discipline on employee performance on PT. Japfa Comfeed Indonesia Tbk. Padang units. This study uses quantitave methods, the population in this study were 50 employees of the production departement at PT. Japfa Comfeed Indonesia Tbk. Padang Units. The sample technique used is saturated sampling technique, so that a sample of 50 people is obtained. Data retrieval is done by distributing questionnaires to the employees of PT. Japfa Comfeed Indonesia Tbk. Padang Units. The data analysis technique multiple regression. The result of the three variable tests show, motivation has a positive and significant effect on employee performance, job satisfaction has a positive and significant effect on employee performance, work discipline has a positive and significant effect on employee performance.Keywords : Motivation, Job Satisfaction, work discipline, employee performance.

Analisis Keuangan Pemerintah Daerah Kota Padang Tahun 2014-2018 untuk Mengukur Kinerja Keuangan Daerah

This study aims to assess the financial performance of Padang City Government using Financial Ratio Analysis of Regional Budget for the Fiscal Year 2014 – 2018. Type of research is descriptive qualitative with case study approach. The processed data is the budget Report of Padang City Government for Fiscal Year 2014 – 2018 were obtained from the internet publication on the official website of the financial management board and regional property of Padang City. The analysis used to analyze the regional financial performance is financial analysis by calculating the ratio of independence, Degree of Fiscal Decentralization, Ratio of Efficiency and Ratio of Expenditure Congruence. While the analysis used to analyze the Ability of Regional Finance is to calculate the Share and Growth, Map of Regional Finance Capability and, Based on the calculation and analysis of the Regional Financial Performance can be concluded that the pattern of the region’s autonomy level relationships in Padang City is instructive criteria. Degree of Fiscal Decentralization is still lacking, but the Ratio of Efficiency is also not efficient. The ratio of Expenditure Congruence shows the balance between expenditures is not balanced. Based on the calculation and analysis of the Regional Financial Capability can be concluded, that the condition of the financial ability of Padang City is still not ideal. Share and Growth calculation results, the position of Padang City in quadrant III

Dewan Komisaris Independen dan Komite Audit sebagai Faktor yang Menentukan Kinerja Keuangan Perusahaan Manufaktur yang Terdaftar di Bursa Efek Indonesia Periode 2013-2017

The purpose of this study is to discover the role of independent commissioners and audit committees to improve financial performance both simultaneously and in part. The paper objects used were all companies listed on the Indonesia Stock Exchange from 2013 to 2017, using a purposive sampling technique. Data on the company's annual financial statements and annual financial reports are obtained from the official website of the IDX. This paper was added in the study. The data analysis method used in this update is regression analysis in the data panel. This study uses the transition from Good Corporate Gorvernance, an independent board of commissioners and an audit board as an audit measure in this study. The results showed that the simultaneous independent board of commissioners had a significant effect on financial performance (ROA, ROE). The audit committee has a negative and not significant effect on financial performance (ROA, ROE).

Pengaruh Keahlian Auditor dan Bisnis E-commerce terhadap Kebutuhan Jasa Audit E-commerce

Perkembangan teknologi memberikan dampak yang baik untuk bisnis online yang menyediakan layanan dimana konsumen dapat membeli atau menjualkan produknya untuk mempersingkat waktu dalam membeli kebutuhan yang diinginkan nya.Adanya auditor yang dapat membantu bisnis e-commerce dalam meningkatkan mutu usaha.Penggunaan jasa audit di bisnis e-commerce memberikan pengaruh yang baik untuk kebutuhan jasa audit. Ukuran usaha pada bisnis E-commerce akan memberikan dampak yang bagus untuk perkembangan dengan ada nya teknologi informasi dapat memudahkan dalam mengelola usahanya maupun dalam melakukan auditnya. Agar bisnisnyamengunakan layananan asuransi untuk melindungi semua data konsumen yang berbelanja ukuran usaha juga akan mempengaruhi dalam penggunaan jasa audit e-commerce besar kecil nya usaha dalam penggunaan jasa audit e-commerce. Oleh karena itu, tujuan penelitian ini untuk mengetahui apakah pengaruh keahlian auditor dan bisnis e-commerce mempunyai pengaruh secara signifikan terhadap jasa audit

The Influence of Promotion Costs and General Administrative to Cost of on PT. Jakarta International Hotels and Development.Tbk

This research was conducted at PT. Jakarta International Hotels And Development.Tbk, which aims to determine the influence of promotion costs and the cost of administration against the price of staple inn. Using test tools Eviews 8, with secondary data from the years 2009-2018, quantitative research uses the data type of the time series. With the technique of multiple linear regression analysis, T test, and the test deteminasi (R2).The results of this study show that the Cost of Promotion significant positive effect on the financial performance of the Price of Staple Inn. So the hypothesis one in this study missed. It also happens in the variable Cost of Public Administration affect the financial performance of the Price of Staple Inn. So the hypothesis in this study positive significant. It can be seen from the results of t-Test showing the value prob is equal to 0.04 < alpha of 0.05. This means that the positive influence.

Peranan Manajemen Perencanaan dalam Meningkatkan Kualitas Pelayanan Kesekretariatan pada Kantor Camat Hiliran Gumanti Kabupaten Solok

The purpose of this research [is] 1. To know how role of planning management in improving the quality of service of secretariat [at] Office Sub-Regency Chief Fistula of Gumanti Sub-Province of Solok 2. To know constraints what met in role of planning management in improving the quality of service of secretariat [at] Office Sub-Regency Chief Fistula of Gumanti Sub-Province of Solok.As for this research internal issue formula [is] 1. How Role Of Management Planning In Improving the Quality Of Service Of Secretariat [At] Office Sub-Regency Chief Fistula of Gumanti Sub-Province of Solok 2. Any kind of constraint met in Role Of Management Planning In Improving the Quality Of Service Of Secretariat [At] Office Sub-Regency Chief Fistula of Gumanti Sub-Province of Solok Data which [is] writer get in this research metede [is] data of kulitatif. Role of planning management in improving the quality of service of secretariat [at] Office Sub-Regency Chief Fistula of Gumanti Sub-Province of Solok important so central, because with existence of planning management [in] Office Sub-Regency Chief Fistula of Gumanti Sub-Province of Solok very assisting of service facet, good that prima service and also service of public.Constraints in role of planning management in improving the quality of service of secretariat [at] Office Sub-Regency Chief Fistula of Gumanti Sub-Province of Solok, constraint which [in] temuai [is] Resource of Aparatur, Facilities And Basic Facilities, Awareness of Society, Far it[him] apart [among/between] sub-regency chief office with settlement of resident. Everything which [in] planning surely always there [is] constraints which [in] facing, and which we [do/conduct] will not always smoothly, surely always there [is] barricade, remain how us make that constraints can overcome better, so that planning of us also walk better as according to what wanted.

Pengaruh Independensi dan Bisnis Ecommerce terhadap Kebutuhan Jasa Audit E-commerce

Auditors who can help e-commerce businesses in improving business quality. The use of audit services in e-commerce business gives a good influence for the needs of audit services.. In order for the business to use insurance services to protect all data consumers who shop business size will also affect the use of large-scale e-commerce audit services for businesses in the use of e-commerce audit services. Therefore, the purpose of this study is to find out whether the influence of auditor expertise and e-commerce business has a significant influence on audit services.

Pengaruh Pelatihan Terhadap Kinerja Karyawan Di PT. Bank Perkreditan Rakyat Solok Sakato

Problems that exist in PT Bank Perkreditan Rakyat Solok Sakato is lack of motivation, as well as the lack of employee working ability is suspected to be the cause of low employee performance. This study aims to determine the effect of Training on Employee Performance at PT. Bank Perkreditan Rakyat (BPR) Solok Sakato. Population in this research is all employees of PT. Bank Perkreditan Rakyat (BPR) Solok Sakato. This research was conducted on September to October 2017 which amounted to 18 respondents, all employees are used as sample research, sampling technique using total sampling technique means that the whole population is sampled. The research instrument used questionnaire with Likert Scale model, while the data analysis technique is simple regression. The effect of correlation (R) is 0.463, that is, there is moderate and positive relationship between training to performance and determination coefficient value or R square (R2) 0,215 meaning tha0t training contribution to performance is 0,215 or 21,5% and equal to 78,5%. Impact of training on performance with regression equation Y = 46,591 + 0,407 x It means that every increase of value Training one unit then performance will increase 0,407 unit and vice versa if training value minus one unit then performance will decrease 0,407. Whereas if the value of training is assumed to be zero or absent, then the performance remains at 46,591 units. Training that has been given to employees at PT. Bank Perkreditan Rakyat Solok Sakato, in order to complete the work in each part. Employee performance at PT. People's Credit Bank Solok Sakato, which has been well maintained or further enhanced