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All Journal Assets : Jurnal Ekonomi, Manajemen dan Akuntansi EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis JAZ: Jurnal Akuntansi Unihaz Jurnal Pengabdian Masyarakat Bumi Raflesia Journal of Research in Business, Economics, and Education Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Indonesian Management Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Disclosure: Journal of Accounting and Finance Jurnal Akuntansi, Manajemen dan Bisnis Digital Realible Accounting Journal

Zahrah Indah Ferina

Universitas Dehasen Bengkulu

Author-ID : 2682340

Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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PERANAN LAPORAN KEUANGAN DAN PENILAIAN PRINSIP 5C TERHADAP EFEKTIFITAS PEMBERIAN KREDIT PADA PT. BANK BENGKULU CABANG TAIS Lidya Lesawati; Ahmad Hosen; Zahrah Indah Ferina
Assets: Jurnal Ekonomi, Manajemen, dan Akuntansi Vol 9 No 1 (2019): Assets : Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/.v9i1.10125

PT. Bank Bengkulu Cabang Tais adalah salah satu Bank Pembangunan Daerah yang menyediakan modal kerja dan pinjaman investasi. Berdasarkan karakteristik tersebut, penelitian ini dilakukan berdasarkan hasil analisis laporan keuangan yang dipegang oleh debitur (pelanggan) oleh petugas pemasaran dan petugas kredit PT. Bank Bengkulu Cabang Tais, melalui analisis rasio keuangan berdasarkan 5 (lima) contoh kasus Kredit Modal Kerja yang diterima dan ditolak yang dimiliki oleh PT. Bank Bengkulu Cabang Tais dari tiga bulan terakhir. Hasil dari prinsip penilaian 5C (Karakter, Kapasitas, Modal, Jaminan, dan Kondisi) yang dimiliki oleh debitur (pelanggan) didasarkan pada wawancara awal dan wawancara lanjutan dengan debitur (pelanggan) oleh petugas pemasaran dan kredit dari PT. Bank Bengkulu Cabang Tais berdasarkan 5 (lima) contoh kasus pinjaman modal kerja yang diterima dan ditolak. Tujuan dari penelitian ini adalah untuk mengetahui peran analisis laporan keuangan terhadap efektivitas pemberian kredit pada PT. Bank Bengkulu Cabang Tais berdasarkan analisis rasio keuangan dan untuk mengetahui peran penilaian prinsip 5C (Karakter, Kapasitas, Modal, Jaminan, dan Kondisi) pada efektivitas pembiayaan kredit di PT. Bank Bengkulu, Cabang Tais. Jenis-jenis penelitian dan metode analisis data yang akan dilakukan dalam penelitian ini adalah penelitian deskriptif dengan pendekatan kuantitatif dan kualitatif. Dari hasil penelitian ini ditemukan bahwa peran analisis laporan keuangan dan penilaian prinsip 5C memainkan peran penting dalam efektivitas pemberian pinjaman kepada PT. Bank Bengkulu Cabang Tais. Meskipun dalam hal kemampuan debitur untuk membayar (pelanggan) masih kurang, menyebabkan kredit macet yang merupakan indikator mengevaluasi efektivitas pinjaman, ini lebih disebabkan oleh faktor-faktor kondisi ekonomi yang tidak dapat diprediksi dan menyebabkan penjualan publik dan daya beli menurun.

ANALISIS EFEKTIFITAS DAN KONTRIBUSI PAJAK HOTEL DAN PAJAK RESTORAN TERHADAP PENDAPATAN ASLI DAERAH (PAD) KOTA BENGKULU Yun Fitriano; Zahrah Indah Ferina
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 9 No 1 (2021)
Publisher : UNIVED Press

Yun Fitriano, Zahrah Indah Ferina; This study aims to determine the extent to which the effectiveness and contribution of hotel taxes and restaurant taxes to regional revenue (PAD) Bengkulu city. The data used in this study are secondary data on hotel taxes and restaurant taxes which are sourced from reports on the realization of the Bengkulu city regional income and expenditure budget from 2015 to 2018. The method of analysis in this study uses quantitative descriptive analysis. The results showed that the average value of the effectiveness of hotel taxes and restaurant taxes in Bengkulu City from 2015 to 2018 was quite effective, ranging from 80% to 82%. Meanwhile, the contribution of hotel tax revenue and restaurant tax from 2015 to 2018 has a very large contribution, where on average each year it has a contribution of above 4%. This shows that Bengkulu City's own revenue is influenced by a large proportion of hotel taxes and restaurant taxes. Key Words: Effectiveness, Contribution, Hotel Tax, Restaurant Tax, Original Local Government Revenue

Analisis Kinerja Keuangan Pada Unit Pengelola Kegiatan (Upk) Dapm-Anm Kecamatan Air Nipis Kabupaten Bengkulu Selatan. Ishar Aminadi; Ahmad Sholeh; Zahrah Indah Ferina
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 9 No 2 (2021)
Publisher : UNIVED Press

Tujuan penelitian ini adalah untuk mengetahui kinerja keuangan dalam pengelolaan simpan sinjam pada UPK DAPM-ANM Kecamatan Air Nipis Kabupaten Bengkulu Selatan. Metode penelitian ini menggunakan pendekatan kuantitatif dengan menganalisis aspek pengelolaan keuangan dan aspek pengelolaan pinjaman tahun 2017-2019 yang mengacu pada PTO PNPM tahun 2014. Hasil penelitian menunjukan bahwa likuiditas simpan pinjam di UPK DAPM- ANM Kecamatan Air Nipis Kabupaten Bengkulu Selatan dari tahun 2017-2019 dalam keadaan likuid atau sehat, analisis kinerja keuangan dari aspek pengelolaan keuangan dan aspek pengelolaan pinjaman sebesar 88, 54 %, 87, 5 % dan 82, 3 % yang berada pada posisi sehat.

The Influence of Instagram Social Media on Consumer Buying Interest at the Nyonya Fashion store, South Bengkulu Dian Lova Setiana; Karona Cahya Susena; Zahrah Indah Ferina
Jurnal Akuntansi, Manajemen dan Bisnis Digital Vol 1 No 1 (2022): Januari
Publisher : Fakultas Ekonomi Universitas Dehasen Bengkulu

Effort done/conducted to conduct`product marketing or service by using media of internet can be referred as also marketing internet. Marketing Internet [is] marketing side of commerce elektornic, what consist of job/activity of company to communicate something, promoting, and selling service and goods [pass/through] internet. Target of this research To know influence of social media of instagram to enthusiasm buy consumer in Shop Lady of Fashion Bengkulu South south. this Research type is research of field that is measuring value one or more variable in sampel. All data represent reflection an measured variable according to its classification. Data personate input to be processed is clear, [is] later;then analysed and yield output for the determination of furthermore plan. Sampel in this research is cutomer/ client of Lady shop of Fashion Bengkulu south amounting to 95 people. Result of Analysis linear regression of bergaanda the is Y = 7,486 + 0,825 X1, this matter depict direction of regresi which are positive, its meaning of Social Media variable of Instagram ( X) there are positive influence to Enthusiasm buy consumer ( Y) in Shop Lady of Fashion Bengkulu south. Level of coefficient value of determinasi from result of enumeration by using SPSS can know by coefficient value of determinasi of R square equal to 0,721. Matter this means that Social Media value of Instagram ( X) have an effect on to Enthusiasm buy consumer ( Y) equal to 72,1% while the rest 27,9 % influenced by other variable which do not check in research. Result of test of t [at] level of signifikansi 0,05 explaining that by partial Social Media of Instagram have influence which is signifikan to Enthusiasm buy consumer [in] Shop Lady of Fashion Bengkulu south.

THE RELATIONSHIP OF EDUCATION AND TRAINING (THE TRAINING) WITH WORK ACHIEVEMENT OF EMPLOYEES AT AMEN CAMAT OFFICE LEBONG DISTRICT Evriani; Neri Susanti; Zahrah Indah Ferina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 1 No. 4 (2020): OKTOBER
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar

Target of this research is to know relation Education and Training with the performance of goverment employees at the Office at Office Regency Chief Amen of Lebong of Resort of Lebong. Method Analysis the used is correlation of rank hypothesis test and spearman with comparison of value of rho test. There are relationwhich is significant between education with officer performance at Office Regency Chief of Amen of Province of Lebong.

The Effect Of Service Quality And Trust On Customer Satisfaction At Bank Bengkulu Girimulya Support Branch M. Andres Saputra; Sulisti Afriani; Zahrah Indah Ferina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 2 No. 1 (2021): JANUARI
Publisher : Penerbit ADM

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The purpose of this study is to determine the effect of service quality and trust on customer satisfaction at Bank Bengkulu, Girimulya Sub-Branch. The sample in this study was 96 Tabunganku customers at Bank Bengkulu, Girimulya Sub-Branch. Data collection was carried out using a questionnaire and the analysis method by multiple linear regression, test of determination and hypothesis testing. The results of the regression analysis show Y = 11.647 + 0.320X1 + 0.425 X2, this illustrates a positive direction of regression, meaning that there is a positive influence between X1 (service quality) and X2 (trust) on customer satisfaction (Y). This means that if the variables of service quality and trust increase, it will increase customer satisfaction. The coefficient of determination is 0.416. This means that X1 (service quality) and X2 (trust) affect customer satisfaction (Y) by 41.6%, while the remaining 58.4% is influenced by other variables not examined in this study. The results of the t test at the 0.05 significance level explain that partially the variables of service quality and trust have a significant influence on the customer satisfaction variable of Bank Bengkulu, Girimulya Sub-Branch. The results of the F test at the 0.05 significance level explain that the variables of service quality and trust have a simultaneous (joint) influence on customer satisfaction at Bank Bengkulu, Girimulya Sub-Branch.

The Effect Of Organizational Culture And Organizational Commitments On The Performance Of The State Civil Apparatus At The Transportation Office Of Kaur Regency Tri Wahyudi; Karona Cahya Susena; Zahrah Indah Ferina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 2 No. 2 (2021): APRIL
Publisher : Penerbit ADM

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The purpose of this study was to determine the effect of organizational culture and commitment on the performance of the State Civil Servants at the Transportation Agency of Kaur Regency. The sample in this study was 33 employees at the Transportation Agency of Kaur Regency. The sampling method was by census. Overall, the t test results have a significant value smaller than 0.05, so it means that X1 (organizational culture) and X2 (organizational commitment) have a significant effect on performance (Y) partially or simoultan.

An Analysis of Financial Supervision of School Management at SMP Sint Carolus of Bengkulu City Suyanto Suyanto; Ahmad Soleh; Zahrah Indah Ferina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 2 No. 4 (2021): OKTOBER
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v2i4.192

The purpose of this research is to find out the financial supervision of school management at SMP Sint Carolus Bengkulu City. The sample in this study was 30 people consisting of teachers, administrative staff and committee boards at SMP SINT Carolus Bengkulu City. The data collection method in this study was using the questionnaire method. The analytical method used is multiple linear regression, determination test and hypothesis. The results of the regression equation have a positive direction, namely Y = 0.798 + 0.238X1 + 0.360 X2 + 0.298X3 + 0.355X4+e. Planning has a positive and significant influence on SBM management at Sint Carolus Middle School Bengkulu City with a significant value of 0.029, which is smaller than 0, 05. This illustrates that as planning increases, the management of SBM at Sint Carolus Middle School in Bengkulu City will also increase. This illustrates that as programming increases, SBM management at SMP Sint Carolus Bengkulu City will also increase. Budgeting shows a positive and significant influence on SBM Management at SMP Sint Carolus Bengkulu City with a significant value of 0.006 less than 0.05. This illustrates that as budgeting increases, SBM management at SMP Sint Carolus Bengkulu City will also increase. Evaluation has a positive and significant influence on SBM management at SMP Sint Carolus Bengkulu City with a significant value of 0.017, which is smaller than 0.05. This illustrates that the higher the evaluation, the management of SBM at SMP Sint Carolus Bengkulu City will also increase. Planning, programming, budgeting and evaluation have a significant and joint effect on the Management of SBM at SMP Sint Carolus Bengkulu City with a significant value of 0.000 less than 0.05. This illustrates that if there is attention to planning, programming, budgeting and evaluation, SBM management will increase.

IMPLEMENTASI PERATURAN MENTERI DALAM NEGERI NO. 20 TAHUN 2018 TENTANG PELAPORAN DAN PERTANGGUNGJAWABAN APBDes DI DESA LUBUK MINDAI BENGKULU UTARA Sulisti Afriani; Zahrah Indah Ferina
Jurnal Ilmu Akuntansi Vol 3 No 2 (2020): JAZ : Jurnal Akuntansi Unihaz
Publisher : Universitas Prof.Hazairin,SH Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/jaz.v3i2.1611

This study aims to determine the Village Financial Management in Lubuk Mindai Village, North Bengkulu. The object of this research is in the village of Lubuk Mindai, North Bengkulu. This type of research is qualitative research. This research was conducted using interview and documentation techniques with parties involved in the management of ADD. The description results are obtained through Permendagri No. analysis. 20 of 2018 by comparing the realization in the field. Village financial management in Lubuk Mindai North Bengkulu Village in 2019 began reporting and accountability stages. Broadly speaking, it can be said to be in accordance with Permendagri No. 20 of 2018.

Analysis of the Application of SAK EMKM on MSMEs at Wildan Shops in Talang Kuning Village, Teras Terunjam District, Mukomuko Regency, Bengkulu Province Yuni Prawita; Neri Susanti; Zahrah Indah Ferina
Journal of Indonesian Management (JIM) Vol. 1 No. 2 (2021): June
Publisher : Penerbit ADM Bengkulu

The purpose of this study is to determine the condition of the financial statements and the application of SAK EMKM at Wildan Shop UMKM. SAK EMKM is an accounting standard prepared by DSAK for micro, small and medium enterprises. This study uses a descriptive approach. To find out the application of SAK EMKM at the shop, the researcher used direct observation and interview techniques. The results showed that the shop did not record financial statements in accordance with SAK EMKM and there was no structured and detailed recording of income and expenses in its accounting reports. In making the financial statements, the shop makes records based on their own wishes without applying SAK EMKM and focuses on meeting needs and income in the business without considering accounting matters in accordance with SAK EMKM. Thus, the shop as a whole has made a mistake even though basically it can still run and continue to grow.

Co-Authors Ahmad Hosen Ahmad Sholeh Ahmad Soleh Dian Lova Setiana Emi Liana Endah Permata Sari Evriani Faizal Rekon Sirnandi Fitriano, Yun Gita Syafitri Hadi Supriyono Hanila, Siti Herfianti, Meiffa Herliza Herliza Ida Anggriani Ishar Aminadi Karona Cahya Susena Kresnawati Kresnawati Lidya Lesawati M. Andres Saputra M. Anggi Andrianto Merri Anitasari Neri Susanti Oni Yulianti Siti Rozalia Sulisti Afriani Suyanto Suyanto Tri Wahyudi Wagini Yun Fitriano Yuni Prawita

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