ANALISIS KINERJA DAN RASIO KEUANGAN PADA PT. PEGADAIAN ( PERSERO ) TAHUN 2018-2019

ABSTRACTThe purpose of this study is to determine the financial performance of PT. Pegadaian (Persero) Tbk in 2018-2019.The results showed that the total score of financial performance of PT. Pegadaian (Persero) is on an unhealthy interval scale, which is at a total criterion score of 50 - 65 (Minister of BUMN Nomo: Kep-100 / MBU / 2002. These results indicate that the financial performance of PT. Pegadaian (Persero) Tbk using the ratio finance, namely the cash ratio in 2018 obtained a value of 130.1 with a score of 10 and in 2019 a score of 129.1 and a score of 8 (very healthy). Calculation of the current ratio in 2018 with a value of 1.17 and a score of 0, while the year 2019 with a score of 0.39 and a score of 0 (unhealthy). Debt to Equity Ratio in 2018 with a score of 162.4 and a score of 10, while in 2019 the score was 183.2 with a score of 10 (very healthy). Debt to Total Asset Ratio in 2018 with a score of 61.8 and a score of 0, while in 2019 the value was 64.6 with a score of 0 (unhealthy) .The Gros Profit Margin ratio in 2018 shows a value of 31.9 with a score of 8.5 and in 2019 the score is 23.9 and a score of 8.5 (Very Healthy) Net Profit Margin ratio for the year 2018 shows a value of 24.2 with a score of 8.5 and in 2019 a score of 17.5 and a score of 8.5 (Very Healthy). The Return On Investement (ROI) ratio in 2018 scored 11.6 with a score of 8.5 and in 2019 with a score of 17.9 and a score of 8.5 (Very Healthy) and the Return On Equity (ROE) ratio, throughout 2018 with a value of 44.4 and a score of 8.5 and in 2019 with a value of 47.9 and a score of 8.5 (very healthy).Keyword : Ferformance Financial, Financial Ratio

PEMBERDAYAAN PEREMPUAN DALAM UPAYA MENINGKATKAN PENDAPATAN KELUARGA NELAYAN DI KOTA BENGKULU

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PENGARUH KUALITAS PELAYANAN, KUALITAS PRODUK DAN KEPERCAYAAN TERHADAP LOYALITAS PELANGGAN AROMANIA PARFUMERY DI KOTA BENGKULU

ABSTRACTThis study aims to determine the effect of service quality, product quality and trust on customer loyalty aromania parfumery Bengkulu. This type of research is a survey research with a quantitative approach, the object of this research is the consumers in Aromania parfumery, which is precisely located on Jl. Kapuas Raya, Lingkar Barat, Kec. Gading Cempaka, Bengkulu City. with the sampling method, namely non-propability technique, namely insidential sampling technique. The number of respondents in this study were 105 people. The data collection method used a questionnaire. By using data analysis techniques using Multiple Linear Regression Analysis Test, and Hypothesis Test, namely test t and test f. The results of this study can be concluded that the variable service quality Aromania parfumery has a positive effect on customer loyalty, product quality has a positive effect on customer loyalty, and trust has a positive effect on customer loyalty.Keywords: Service Quality, Product Quality, Customer Trust and Loyalty.

ANALISIS STRATEGI PELAYANAN UNTUK MENINGKATKAN JUMLAH PELANGGAN PADA PT. JAYA MASAWAN PALEMBANG SQUARE

ABSTRACTThis final report review of the strategy in the Ministry increased the number of customers. This research aims to answer the question of who is to be questioned in the study, that is, knowing how the history of the establishment of PT Jaya Masawan Palembang Square, the extent to which the service strategies already applied, and how the PT Jaya Masawan Palembang Square strained relations with its employees. The writing of the final report is presented in a descriptive qualitative in order to obtain an overview of a variety of information related to servicing strategy for increasing the number of customers. Method of data collection using the study documents, interviews, observation and study of the literature. The data obtained were analyzed qualitatively and then presented in a descriptive. The results showed that PT Jaya Masawan Palembang Square always give good service quality, the Chairman of PT Jaya Masawan Palembang Square trying to recruit people who are experts in the field of sales support, friendly employees and providing incentives, as well as the attempt to provide individually high attention to its customers. In addition, good cooperation with the employees will also affect the level of quality customer service.Key words: strategy of the Ministry, the number of customers.

Analisis Internal Matrik (IM) dan Eksternal Matrik (EM) pada Usaha Kuping Gajah Arema Dwi Putri di Dusun 1 Desa Pekik Nyaring Bengkulu Tengah

ABSTRACT This aims of this study is to find out the analysis of Internal Matrix (IM) and External Matrix (EM) of on business of Kuping Gajah Arema Dwi Putri at Dusun 1 Pekik Nyaring Village of Central Bengkulu. The method of data collection in this research is using a questionnaire by giving written questions to the respondent. The number of respondents in this study were 57 respondents. The analytical method used is an external internal matrix. From the calculation of internal and external strategy factors, the total internal strategy factor score of 2.75 was obtained and the total external strategy factor score of 2.82 from the results on business of Kuping Gajah Arema Dwi Putri at Dusun 1 Pekik Nyaring Village of Central Bengkulu was located in the cell V by using concentration growth strategies through horizontal integration or stability. The strategy of concentration growth through horizontal integration or stability is a strategy that carries out growth by adding business fields or maintaining its current business position by becoming a temporary audience to see the possibilities that will occur. Keywords: Marketing Strategy, Internal-External Matrix Analysis

PENGARUH STRATEGI PROMOSI DI SOCIAL MEDIA TERHADAP KEPUTUSAN PEMBELIAN HANDPHONE MEREK APPLE YANG DI MEDIASI WORD OF MOUTH MARKETING (Studi Kasus Pada Queeniphone Bengkulu)

ABSTRACT The purpose of this study was to determine The Effect of Promotion Strategies in Social Media toward Apple Brand Mobile Purchasing Decisions Mediated by Word of Mouth Marketing on Queen iphone Bengkulu. This research used survey research methods with quantitative data analysis by using the MSI method (method of successive interval) to transform ordinal scale data into interval scale data. The population of this study were all of consumers who buy Apple Brand Mobile products on Queeniphone Bengkulu. The results of this study know that there were significant effect toward Apple Brand Mobile Purchasing Decisions Mediated by Word of Mouth Marketing on Queen iphone Bengkulu. It is better for owner of Queen iphone Bengkulu to maintain and even improve consumer purchasing decisions by using variuos promotion strategy. Keywords: Promotion strategy, word of mouth marketing, purchasing decisions.

PENGARUH KEPUASAN KERJA DAN KOMITMEN ORGANISASI TERHADAP KINERJA KARYAWAN PADA WAHANA SURYA BENGKULU

ABSTRACTThe purpose of this study was to determine the effect of job satisfaction and organizational commitment on employee performance at Wahana Surya Bengkulu.The object of this research was Wahana Surya Bengkulu with the selection of samples in this study conducted by using total sampling. The number of respondents in this study were 65 respondents. The data collection method uses questionnaire.The results of the study show that The first, there is a positive effect of job satisfaction toward the employees’ performance of Wahana Surya Bengkulu, if the ability is getting better or improved, there is a positive influence of work organization commitment toward the employees; performance of Wahana Surya Bengkulu, if the work discipline of employees increases, it will affect the performance of employees of Wahana Surya Bengkulu, if employee work motivation increases, of course employee performance will also increase in line with increasing employee motivation, there are effects of job satisfaction, organizational commitment on the performance of employees of Wahana Surya Bengkulu employees, where job satisfaction and organizational commitment affect performance by 61.4%Keywords: Job Satisfaction, Organizational Commitment, Performance

ANALISIS PEMBIAYAAN MURABAHAH PADA LEMBAGA KEUANGAN MIKRO SYARIAH ( LKMS) ( STUDI KASUS PADA LKMS MM SEJAHTERA KOTA BENGKULU)

ABSTRAK gone into effect of Code/Law No. 1 year 2013 about Micro Financial Institution ( LKM) hence since then standing many Micro Financial Institution both for operating by kovensional and or operate Moslem lawly , one of the Micro Financial Institution ( LKM) operating Moslem lawly that is Secure and prosperous LKMS MM which is have location in this Town Bengkulu Research aim to to know akad execution defrayal of murabahah in Secure and prosperous LKMS MM of Bengkulu and as according to Religious Advices Council Moslem law National MUI , this research is]research qualitative, that is in the form of an research procedure yielding descriptive data in the form of article or utterance and behavior which can be perceived from people itself subjek. Source of data become consideration in determination of data collecting method. Source of data consist of primary data and sekunder data. There is three data processing step qualitative, namely reduce data ( reduction data), presentation of data ( data displayed), and withdrawal of conclusion ( verification and drawing conclusion). Conclusion result of this research : Execution Defrayal of Murabahah at Secure and prosperous LKMS MM of Town Bengkulu not yet fully as according to Religious Advices Council Moslem law National MUI that is in the case of . In each application of defrayal [submitted/sent] murabahah by member / nasabah is not provided with member statement or promise / utk client buy produk from this LKMS matter of risk the happening of cancellation of murabahah by member/ client which later will harm LKMS party/ side in the case of policy of gift of margin cutting ( Muqashah) LKMS party/ side advise early this matter interfere in Religious advices DSN MUI which is policy ought to Keyword: LKMS, Akad Murabahah, Religious advices DSN MUI

ANALISIS KEPEDULIAN PELAKU USAHA TERHADAP PROTOKOL KESEHATAN CORONAVIRUS DISEASE ( COVID-19 ) PADA PUSAT PERBELANJAAN MODERN DI KOTA BENGKULU

The concern of business actors during the Covid-19 pandemic is an important and very influential thing on the economy. In the midst of the COVID-19 pandemic, people think several times to visit shopping centers because of their concern that they will be infected with the coronavirus disease or covid-19, this will undoubtedly disrupt the running of the economy and indirectly impact the decline in turnover of business people. will have an impact on small traders who are around the location of the shopping center. This epidemic that has been going on for a very long time has caused the Government to issue a new policy by opening the faucet of the new normal discourse. Where to overcome the worsening economic situation, especially the trade and business sectors, not to get worse, the new normal discourse is echoed, where in the new normal era, people are expected to return to their normal activities provided that they comply with the Covid -19 health protocol. The community welcomes this discourse, those who were previously silent and doing all activities at home, have begun to make plans to carry out activities outside the home, including visiting a shopping center. For this reason, it is necessary to see the extent to which business actors care about health protocols at their place of business, so that visitors feel safe shopping without fear of contracting the virus.The perceptions of these business actors in this shopping center are very much needed to find out whether their concerns have an impact on increasing shopping center visits and can increase business income. With survey research and the method used is descriptive analytical quantitative. By taking samples from the population of business actors in two modern shopping centers in the city of Bengkulu, Bencoolen Mall and Mega Mall, and using a questionnaire as a data collection tool, 40 respondents were obtained, then the respondent's data and respondents' statements were processed using distribution On average with a Likert scale measuring instrument 5, while determining the characteristics of respondents using the frequency distribution with the help of SPSS as data processing software. The results of data processing show that business actors in two modern shopping centers in the city of Bengkulu are categorized as good in implementing the protocol. health Covid-19. Of course this is not a final result, stakeholders are expected to be able to increase the category to Very Good. So that the shopping center becomes a comfortable place for visitors even though the Covid-19 epidemic period has not ended.Keywords: Business Actor Concern, Covid-19 Prevention Protocol, Modern Shopping Center

DAMPAK COVID-19 TERHADAP TINGKAT EFISIENSI KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIA MENGGUNAKAN PENDEKATAN DATA ENVELOPMENT ANALYSIS (DEA)

Penelitian ini bertujuan untuk melihat dampak pandemi covid-19 terhadap tingkat efisiensi kinerja keuangan pada Bank Umum Syariah dengan menggunakan metode Data Envelopment Analisis (DEA). Penelitian ini menggunakan sampel sebanyak 9 Bank Umum Syariah periode 2019–2020, jenis penelitian jenis penelitian dengan menggunakan metode Mix Method, yaitu dengan menggabungkan antara jenis penelitian kualitatif dan kuantitatif. Pengukuran efisiensi dalam penelitian ini menggunakan uji sebuah teknik pemrograman matematis yang digunakan untuk mengevaluasi efisiensi relatif dari sebuah kumpulan unit-unit pembuat keputusan atau decision making unit (DMU) dalam mengelola sumber daya (input) dengan jenis yang sama sehingga menjadi hasil (output) dengan jenis yang sama pula. Berdasarkan hasil penelitian memperlihatkan dampak covid-19 terhadap tingkat Efisiensi pada Bank Umum Syariah terjadi disebabkan oleh pendapatan dari pembiayaan yang mengalami penurunan dan mempengaruhi terhambatnya penanaman modal oleh pihak ketiga. Hasil Perhitungan pengukuran tingkat efisiensi dengan menggunakan metode DEA yaitu terdapat 7 Bank Umum Syariah yang memiliki tingkat efisiensi yang mencapai 100% periode sebelum pandemi covid-19 tahun 2019 dan pada periode Pandemi covid-19 tahun 2020 terdapat 7 Bank Umum Syariah yang mencapai tingkat efisiensi 100% dan secara individu ada 1 Bank Umum Syariah yang selama 2 periode penelitian tidak mencapai tingkat efisiensi yaitu Bank Syariah Mandiri. Penghitungan tingkat efisiensi pada Bank Umum Syariah melalui variabel Input terdiri dari Dana Pihak Ketiga dan Biaya Operasional, sedangkan Output terdiri dari Pembiayaan, Pendapatan Operasional dan Aktiva Lancar.Keywords: Dampak covid-19 ,Efisiensi, Data Envelpoment Analysis