ELSAMI (ELECTRONIC SADAQAH FOR MICROBUSINESS)

Abstrack: World Bank data states that there are 48% of households that have saved or deal with banks. This means that the remaining 52% is not affordable, so businesses cannot develop. The solution in the form of a Sharia Business Loan (PUSYAR) has been carried out by the Mojokerto Government to overcome this problem. PUSYAR is an Islamic financial instrument that provides financing to micro businesses. PUSYAR still has some disadvantages in providing assistance to micro businesses or in supporting financial inclusion. The main problem from the community side is the inconsistency of the number of sadaqah, and the community does not get assistance in the PUSYAR program so that the business undertaken is not sustainable or confused with the existing contract. We have innovated by making a grand-design application for ELSAMI (Electronic Sadaqah for Microbusiness) as a financial inclusion that can increase the sustainability of micro businesses. This application will contain information starting from the introduction of the program, the type of program, the number of micro businesses as a place for channeling funds and can make it easier for people to share their beliefs online. Keywords: Financial Inclusion, Microbussiness, Pusyar, ELSAMI, Sadaqah

ANALISIS AKUNTANSI PERSEDIAAN PERUSAHAAN MANUFAKTUR MENURUT PSAK NO 14 PADA PT AGUNG BUMI AGRO

Inventory is one of the important things for a company, this isbecause most of the assets owned by the company are located on theinventory account side. For trading and manufacturing companies,inventory can be said to be the life or heart of the business, because thecompany's main business activity comes from the availability of inventorystocks. Therefore, the application of inventory accounting inmanufacturing companies is necessary to avoid the occurrence of OverStock (OS) or Out Of Stock (OOS). The purpose of research at PT AgungBumi Agro is to find out whether the application of PT Agung Bumi Agro'sinventory accounting is in accordance with PSAK No. 14 Revised of 2015.This research was conducted by comparing the process of implementingPT Agung Bumi Agro's inventory accounting with the applicableprovisions of PSAK No. 14 Revision of 2015. The results obtained in thisstudy explain that the inventory accounting income at PT Agung BumiAgro is good in terms of inventory definition, inventory measurement,recognition as expense and disclosure of inventories have beenimplemented in accordance with PSAK No. 14, 2015 Revision.Keywords : Inventory; PSAK No 14, 2015 Revision; InventoryValuation; Inventory Recording

PENGARUH SERVICE QUALITY TERHADAP CUSTOMER SATISFACTION MEMBER BPJS KESEHATAN DI WILAYAH JAWA TIMUR

ABSTRACT The purpose of this study is to examine the effect of hospital service quality towards BPJS health service user satisfaction. Sample wes taken using simple random sampling to 50 patients and / or their families in 5 hospitals in East Java. Data was analyzed by Linear Regression. The result of the study shows that not all dimensions of service quality have a positive and significant impact on the satisfaction of BPJS health service users. Reliability, responsiveness, and empathy have a positive and significant influence on customer satisfaction. The limitation of this study is that it was carried out generally in hospitals collaborating with BPJS health service. However, this study does not assess customer satisfaction by the level (grade) of the hospital. Keywords: Service Quality, Customer Satisfaction, BPJS Health Service, Hospital Management

RANCANGAN PERBAIKAN PENGENDALIAN KUALITAS PADA PRODUK BARU DENGAN PENDEKATAN SIX SIGMA

This study was aimed to identify cause of defect that occurred in newproducts at automotive - spare part company by designing the right qualitymanagement system with root cause analysis. Qualitative methodology was used,where data and other information collected by interviews, direct observation,document review, and evaluation of reports related to quality achievement. Thecompletion phase of this study was used the DMAIC concept as a corrective action andcontinuous improvement for quality achievement. From analysis result, the factors thatcause defects in new products are differentiated by 11 defect categories. Thedominant defect category was ‘no taping option’ and TBO. The proposed qualitycontrol design to reduce the number of defects are by adding more specific trainingfor new operators according to their own work, adding quality control process byQC after the sub- assembling process, replace all opposite jigs with push pull jigand adding verification tools and other production facilities by the QA-QC departmentKeywords: Quality control system, Six Sigma, DMAIC, defect

PENGARUH WORK OVERLOAD DAN STRES KERJA TERHADAP INTENSI TURNOVER STUDI DI PT. XY

Turnover Intention is a big problem for a company its causesignificant impact on a company. one of the factors that influence it iswork stress and work overload. Companies must understand thiscorrectly so that prevention can be done. The research respondentswere limited to PT XY employees. This type of quantitative researchand instruments used are questionnaires. Data validity is obtainedthrough validity and reliability. Based on the results of the study foundwork overload and work stress have a positive and significant effect onturnover intention.Keywords: influence, work overload, work stress, turnover

Analysis of the Effect of Financial Ratios on ROA (Return on Asset) at National Private Commercial Banks in Indonesia

Banks are business entities that collect funds from the public in the form of deposits and redistribute them in the form of loans and / or other forms in order to improve the standard of living of many people. Performance is an illustration of the condition of a bank, regarding the good and bad condition of a bank that reflects work performance in a certain period. Financial ratios can help business people, government parties and other users of financial statements in assessing the financial condition and performance of the bank. This study aims to see the effect of financial ratios, namely Loan to Deposit Ratio (LDR), Non Performing Loans (NPL) and BOPO to the performance of National Private Commercial Banks, namely Return on Assets (ROA). The sampling method uses purposive sampling, which uses samples with certain criteria, the samples used in this study are three national private commercial banks namely Bukopin Bank, Mega Bank and OCBC NISP Bank. The data analysis method used is multiple linear regression analysis. Partial test results show that the LDR partially has a non-significant positive effect on ROA in National Private Commercial Banks for the period 2010 to 2013. NPLs partially have a non-significant negative effect on ROA at National Private Commercial Banks for the period from 2010 to 2013 and BOPO partially had a significant negative effect on ROA in National Private Commercial Banks for the period 2010 to 2013. Keywords: Loan to Deposit Ratio, Non Performing Loan, Operational Costs to Operating Income

PENGEMBANGAN GENERAL KEY PERFORMANCE INDICATORS UNTUK PENINGKATAN KINERJA PLATO FOUNDATION

ABSTRACT - This study aims to develop a checklist into a general KeyPerformance Indicator for improving the performance of the PlatoFoundation. The Performance Prism method is considered appropriate tobe used as an approach to measuring the performance of non-profitorganization stakeholders such as employees, donors, volunteers,organizational partners, and clients. The results of this study are a seriesof KPIs with a total of 45 KPIs based on the prism performance method.The 45 KPIs are divided into 5 Stakeholder Satisfaction KPIs, 5 StrategicKPIs, 5 Process KPIs, 5 Capability KPIs, and 5 Stakeholder ContributionKPIs for each stakeholder.Keywords: Key Performance Indicators, Performance Prism, PlatoFoundation

KOMITMEN DAN PEMBERIAN REWARD TERHADAP EFEKTIVITAS PEMBELAJARAN BINTARA MAHASISWA POLTEKAD DENGAN MEDIASI MOTIVASI BELAJAR

The purpose of this study was to determine the effect ofcommitment and rewards on the effectiveness of learning mediatedby learning motivation at the NCO Students of Army Polytechnic.Based on the data analysis by path analysis, the independentvariable that has the strongest influence on Learning Effectiveness(Y) is Commitment (X1) which is equal to 0.293. Towards LearningEffectiveness through Learning Motivation (Z), Commitment (X1) alsohas a stronger influence than the Reward (X2) of 0.2211. So that theCommitment variable (X1) is the variable that most influences theLearning Effectiveness (Y) both directly and through intermediariesLearning Motivation (Z). While the variable Rewarding (X2) has asmaller effect on Learning Effectiveness (Y) both directly and throughthe intermediaries of Learning Motivation (Z).Keywords: Commitment, Giving Reward, Learning Motivation,Learning Effectiveness

Pengaruh Persepsi Keadilan terhadapKinerja Distributor PT X dengan Ketergantungan sebagai Variabel Moderating

PT. X companies engaged in the national cement productionsector which are the market leaders in Indonesia which control the islandsof Java, Bali, Kalimantan and parts of Eastern Indonesia. The result of thisproduct tends to be a commodity product. So, to maintain market control isto maintain the level of availability of cement products. With suchchallenges, PT. X must maintain good relations with its distribution network.One important factor in maintaining good relations between suppliers andbuyers is the Perception of Organizational Justice that exists in both. Thepurpose of this study was to analyze the effect of perceptions oforganizational justice on the performance of the distributors of PT. X withdependence as moderating variable. This research is a quantitative studywith a total population of all distributors of PT. X. This study concludes thatorganizational justice has a positive effect on distributor performance, andthis influence is not moderated by dependency.Keywords: distributor performance, procedural justice, distributive justice,interactional justice, organizational justice, dependency.

PERAN MANAJEMEN SUMBER DAYA MANUSIA DALAM MENINGKATKAN KERJA MENURUT PERSPEKTIF ISLAM

The role of Islamic human resource management isconsidered to significantly influence employee performance. BankBRI Syariah branch of Pakis Malang implements Islamic-basedhuman resource management. The study was conducted todetermine the role of Islamic-based human resource management onemployee performance using descriptive qualitative approach. Theindicators of employee performance are moral values, compensation,spirituality, organizational systems and structures, work quality,creativity and cooperation. As a financial institution that refers toIslamic principles, Bank BRI Syariah branch of Pakis Malang has anIslamic culture that is applied in its human resource management.The implementation of Islamic cultural values to human resourcemanagement at BRI Syariah branch of Pakis Malang, employeesbecome more enthusiastic at work because they feel that their workis a form of worship, being a motivation and a boost for employeeperformance.Keywords: Islamic Human Resource Management, EmployeePerformance, BRI Syariah