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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Sains Manajemen dan Bisnis Indonesia Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Akuntansi, Keuangan dan Teknologi Informasi Akuntansi
Fraternesi Fraternesi
Universitas Muhammadiyah Bengkulu
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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ANALISIS KARAKTERISTIK KUALITAS PRODUK PERBANKAN SYARIAH DALAM MEMPENGARUHI KEPUTUSAN MASYARAKAT MENJADI NASABAH DI BANK BNI SYARIAH Erwin Febriansyah; Fraternesi Fraternesi; Ivosine Pratiwi
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 9 No 1 (2021)
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2690.967 KB) | DOI: 10.37676/ekombis.v9i1.1098

Abstract

Peneltian ini mengkaji mengenai pengaruh kualitas produk,kualitas pelayanan dan tingkat kepuasan kepuasaan dalam mempengaruh keputusan masyarakat menjadi nasabah di bank BNI syariah kota Bengkulu. Tujuan penelitian ini adalah untuk menganalisis kualitas produk terhadap keputusan menjadi nasabah, untuk menganalisis kualitas pelayanan terhadap keputusan menjadi nasabah, untuk menganalisis tingkat kepuasan terhdap keputsan menjadi nasabah. Jenis penelitian ini adalah penelitian survei,yaitu penelitian yang mengumpulkan data langsung dari responden dengan menggunakan kuisoner dan item-item dari kuisoner biasanya berhubungan langsung dengan skala perilaku atau pendapat seseorang. Lokasi penelitian di Bank BNI Syariah Cabang kota Bengkulu yang beralamat di jalan jendral sudirman No. 41-43, Pintu Batu, Teluk Segara, kota Bengkulu. Teknik pengumpulan data menggunakan data primer dan data sekunder. Data primer, yaitu data yang diperoleh langsung dari nasabah yang memakai produk pada Bank BNI Syariah kota Bengkulu melalui penyebaran kuisoner. Sekunder adalah data yang dikumpulkan dari sumber-sumber dan literatur-literatur yang relevan dengan topik penelitian,dan menunjang data-data primer. hasil penelitian ini menunjukan, Kualitas produk berpengaruh positif dan signifikan terhadap keputusan menjadi nasabah di bank BNI syariah . Hal ini dibuktikan dengan hasil uji t menunjukkan nilai tsig0.002 ≤ 0,05. Ini berarti Ha diterima dan Ho ditolak. Kualitas pelayanan berpengaruh positif dan signifikan terhadap keputusan menjadi nasabah di bank BNI syariah. Hal ini dibuktikan dengan hasil uji t menunjukkan nilai tsig0.000 ≤ 0,05. Ini berarti Ha diterima dan Ho ditolak. Tingkat kepuasan berpengaruh positif dan signifikan terhadap keputusan menjadi nasabah di bank BNI Syariah pada calon nasabah pengguna produk bank BNI Syariah. Hal ini dibuktikan dengan hasil uji t menunjukkan nilai tsig sebesar 0.008 ≤ 0.05. Ini berarti Ha diterima Ho ditolak.Dengan demikian, hipotesis penelitian yang telah dilakukan terbukti dinyatakan dengan adanya pengaruh positif dan signifikan antara variabel kualita sproduk, kualitas pelayaan, tingkat kepuasan terhadap keputusan menjadi nasabah di bank BNI Syariah kota Bengkulu. Kata Kunci : kualitas produk, kualitas pelayanan ANALYSIS OF QUALITY CHARACTERISTICS OF SHARIA BANKING PRODUCTS IN AFFECTING COMMUNITY DECISION TO BECOME A CUSTOMER AT BNI SYARIAH BANK BENGKULU CITY ABSTRACT This study examines the effect of product quality, service quality and satisfaction level of satisfaction in influencing the community's decision to become a customer at the BNI Syariah Bank of Bengkulu. The purpose of this study is to analyze the quality of the product to the decision to become a customer, to analyze the quality of service to the decision to become a customer, to analyze the level of satisfaction with the decision to become a customer. This type of research is survey research, namely research that collects data directly from respondents using questionnaires and items from questionnaires are usually directly related to the scale of a person's behavior or opinion. As for the research location on Jalan Sudirman No. 41-43, Pintu Batu, Teluk Segara, City of Bengkulu. data collection techniques using primary data and secondary data. Primary data, namely data obtained directly from customers who use products at Bank BNI Syariah Kota Bengkulu through questionnaire distribution. Secondary data is collected from sources and literature relevant to the research topic, and supports primary data. the results of this study indicate, product quality has a positive and significant effect on the decision to become a customer at BNI syariah bank. This is evidenced by the results of the t test showing the value of tsig0.002 ≤ 0.05. This means that Ha is accepted and Ho is rejected. Service quality has a positive and significant effect on the decision to become a customer at BNI syariah bank. This is evidenced by the results of the t test showing the value of tsig0,000 ≤ 0.05. This means that Ha is accepted and Ho is rejected. The level of satisfaction has a positive and significant effect on the decision to become a customer at BNI Syariah bank for prospective customers using BNI Syariah bank products. This is evidenced by the results of the t test showing the tsig value of 0.008 ≤ 0.05. This means that Ha is accepted by Ho.Thus, the research hypothesis that has been carried out is proven to be stated by the positive and significant influence between product quality variables, quality of service, level of satisfaction with the decision to become a customer in the BNI Syariah bank in Bengkulu city. Keywords: product quality, service quality
PENGARUH SOLVABILITAS, PROFITABILITAS, DAN LIKUIDITAS TERHADAP NILAI PERUSAHAAN (Studi Empiris Pada Perusahaan Manufaktur yang Terdaftar di Bursa Efek Indonesia Periode 2016-2018) Otes Suriana; Fraternesi Fraternesi; Erwin Febriansyah
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 3 No. 2 (2020)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (685.873 KB) | DOI: 10.36085/jam-ekis.v3i2.804

Abstract

Company value is the price that prospective buyers are willing to pay if the company is sold. Company value is defined as market value. Because the value of the company can provide maximum prosperity for shareholders if the company's stock price increases. The higher the stock price, the higher the shareholder prosperity. This study aims to find out how much influence solvency, profitability, and liquidity have on firm value. The data used in this study are secondary data obtained from the financial statements of manufacturing companies listed on the Stock Exchange in the 2016-2018 period. The sampling technique used was purposive sampling. The number of companies sampled in this study were 35 companies so that the total sample of the study was 105 observations. The data analysis method used is multiple linear regression analysis. The results of this study are still many variables outside the study that can explain the value of the company. The coefficient of determination is 0.495, which means 49.5% of the company's value is influenced by these variables, while the rest is explained by other variables. Based on the results it can be concluded that solvency, profitability, and liquidity have a significant effect on firm valueKeywords: Solvency, Profitability, Liquidity, and Firm Value 
Analisis Financial Distress Pada Perusahaan Jasa Subsektor Property Dan Realestate Yang Terdaftar Di Bursa Efek Indonesia Hernadianto Hernadianto; Yusmaniarti Yusmaniarti; Fraternesi Fraternesi
Jurnal Sains Manajemen dan Bisnis Indonesia Vol 10, No 1 (2020): Jurnal Sains Manajemen dan Bisnis Indonesia
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/jsmbi.v10i1.3391

Abstract

Dalam penelitian ini permasalahan yang akan dibahas adalah apakah model Altman Z-score, Springate dan Fulmer memiliki pengaruh terhadap financial distress pada perusahaan, serta model prediksi financial distress manakah yang paling tepat dan akurat dalam memprediksi financial distress pada perusahaan. Perbedaan penelitian ini dengan sebelumnya : Penelitian sebelumnya menggunakan 1 model analisis dan penelitian sekarang menggunakan 3 model analisis, guna dapat membandingkan model financial distress manakah yang paling tepat dan akurat. Lalu mengenai metode penelitian secara deskriptif dan pada penelitian kali ini mengunakan uji regresi logistik biner serta mengenai objek penelitian peneliti menemukan fenomena terkait besarnya rasio kebangkrutan di subsektor ini ketimbang subsektor lainnya. Jenis penelitian kuantitatif, data yang digunakan data sekunder. Populasi penelitian seluruh perusahaan jasa subsektor property dan realestate yang terdaftar di Bursa Efek Indonesia tahun 2013-2017. Teknik pengambilan sampel menggunakan purposive sample, dengan kriteria-kriteria dan terpilih 24 perusahaan unit analisis menjadi sampel dan dikali jumlah periode tahun pengamatan (time series), sebanyak 120 sampel (24 perusahaan x 5 tahun). Hasil dari penelitian ini menunjukkan : Model Altman Z-Score berpengaruh signifikan terhadap kondisi financial distress dengan nilai sig 0,001, Model Springate tidak berpengaruh signifikan terhadap kondisi financial distress dengan nilai sig 0,828 dan Model Fulmer berpengaruh signifikan terhadap kondisi financial distress dengan nilai sig 0,025. Sementara model prediksi yang paling akurat dan tepat diantara Altman Z-Score, Springate dan Fulmer yakni model Fulmer. Hal ini ditunjukkan dari nilai Nagelkerke R Square 65,5% sementara model Altman Z-Score 51,2% dan Springate 43%.
KEPATUHAN WAJIB PAJAK MENGGUNAKANAN SISTEM E-FILLING (Studi Kasus Pada Kantor Pelayanan Pajak Pratama Wilayah Bengkulu) Ahmad Sumarlan; Fraternesi Fraternesi; Sulastri Asmita Wati
Jurnal Akuntansi, Keuangan dan Teknologi Informasi Akuntansi Vol.1 No.1 Edisi Juni 2020
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (670.721 KB) | DOI: 10.36085/jakta.v1i1.866

Abstract

ABSTRACTE-Filling is a way to deliver e-SPT online and in real time through the internet, the internet is a supporting media for the E-Filling system, where in using the E-Filling system a good understanding is needed. This also becomes an important factor for taxpayers to use E-Filling, because with a good internet the higher the desire of taxpayers to use E-Filling the internet is chosen as a means of supporting tax administration because with the internet the SPT submission process will be faster, safer, easier , smoothly and can be done anywhere within 24 hours, with the hope that taxpayers will be more obedient in paying taxes. The purpose of this study aims to determine the application of the E-Filling system in compliance with taxpayers registered in the Tax Office Primary. Data collection tools carried out by Observation, Interview and Documentation. Data collection techniques using Comparative Descriptive Analysis is to do a comparative analysis of compliance before and after Observation and Documentation E-Filling, by organizing data into categories broken down into units, synthesizing, organizing into patterns of choosing where is important and what is learned. Based on the results of this study indicate that the E-Filling in KPP Pratama Bengkulu in 2016-2017 increased by 2.38% and from 2017-2018 reached an increase of 7.655% while for Personal E-Filling did not increase.Keywords: E-Filling System, Taxpayer Compliance.
ANALISIS PERBANDINGAN LIKUIDITAS SAHAM RETURN SAHAM DAN HARGA SAHAM SEBELUM DAN SESUDAH PENGUMUMAN PEMECAHAN SAHAM (STOCK SPLIT) (STUDI PADA PERUSAHAAN MANUFAKTUR DI BEI 2016-2019) Erwin Febriansyah; Fraternesi Fraternesi; Muhammad Rifaldi Ebta Deta
Jurnal Akuntansi, Keuangan dan Teknologi Informasi Akuntansi Vol.2 No.1 Edisi Juni 2021
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (688.579 KB) | DOI: 10.36085/jakta.v2i1.1901

Abstract

The purpose of establishing a company is to seek maximum profit, one way to get investors is through the capital market. Because capital market investment is full of uncertainty or uncertain risk, investors need sufficient information in choosing a portfolio of shares to buy. One of the information that can be obtained by investors is the announcement of a stock split.The research objective was to determine the magnitude of the effect of stock splitting, in which the variables examined were trading liquidity, stock return and stock price. The data used in this study were conducted on manufacturing companies listed on the Indonesia Stock Exchange (IDX) using 2016-2019 data. Total population as many as 77 companies, and a sample of 22 manufacturing companies. The sample selection technique used purposive sampling technique to collect data. The data analysis technique used was the pairwise difference test (T-test), using SPSS 21.0 software.With the data analysis technique using the paired difference test (T-test), the results of this study can be concluded before and after the stock split, there is a significant difference to the Trading Liquidity Variable sig 0.016, Stock Return sig 0.007, and Stock Price sig 0.000. Keywords: Stock split, Liquidity, Stock Return, Stock Price.
Mengukur Niat Penggunakan Aplikasi Akuntansi Dengan Pendekatan Theory Technology Acceptance Model (TAM) Zufiyardi Zufiyardi; Yusmaniarti Yusmaniarti; Fraternesi Fraternesi; Ali Ibrahim
Jurnal Akuntansi, Keuangan dan Teknologi Informasi Akuntansi Vol.2 No.2 Edisi Desember 2021
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1657.566 KB) | DOI: 10.36085/jakta.v2i2.2805

Abstract

Abstrak-Pertumbuhan perekonomian Indonesia didorong oleh peran penting sektor UKM. Akuntansi telah mengalami perkembangan teknologi informasi yang cukup pesat. Adanya aplikasi akuntansi memudahkan aktivitas dan pencatatan akuntansi. Semua rangkaian kegiatan dalam akuntansi seperti menjual, posting ke buku besar, menyusun neraca saldo dan laporan keuangan dapat dikerjakan melalui program aplikasi akuntansi. Penelitian ini bertujuan untuk mengetahui apakah ada atau tidaknya aspek perilaku yang signifikan terhadap penerimaan teknologi bagi pelaku UKM yang belum menggunakan aplikasi akuntansi. Model penelitian yang digunakan adalah Technology Acceptance Model (TAM). Populasi penelitian adalah pelaku UKM di Bengkulu. Teknik pengumpulan sampel dengan convenience sampling. Teknik analisis data menggunakan Smart PLS 3.2 pendekatan Partial Least Square (PLS). Hasil penelitian menunjukkan bahwa semua hipotesis diterima secara signifikan melalui statistik (P-value < 0,05). Pertama, Perceived Usefulness ada pengaruh signifikan terhadap Attitude (0,00 < 0,05). Kedua, Perceived Ease Of Use ada pengaruh signifikan terhadap Perceived Usefulness (0,00 < 0,05). Ketiga, Perceived Ease Of Use ada pengaruh signifikan terhadap Attitude (0,00 < 0,05). Keempat, Attitude ada pengaruh signifikan terhadap Behavioral Intention (0,00 < 0,05). Berdasarkan hasil penelitian bahwa pengguna memiliki sikap, niat penggunan serta perilaku yang baik dalam menerima pengadopsian aplikasi akuntansi. Kata kunci: Perceived Usefulness, Perceived Ease Of Use, Attitude, Behavior Intention, TAM, Smart PLS
Co-Authors Ali Ibrahim Febriansyah, Erwin Hernadianto, Hernadianto Ivosine Pratiwi Muhammad Rifaldi Ebta Deta Otes Suriana Sulastri Asmita Wati Sumarlan, Ahmad Zufiyardi Zufiyardi