Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan

Journal Information
ISSN / EISSN : 2798-0499 / 2798-0502
Published by: Penerbit ADM Bengkulu (10.53697)
Total articles ≅ 116

Latest articles in this journal

Muhammad Rizky, Sugianto Sugianto
Jurnal Ekonomi, Manajemen, Akuntansi Dan Keuangan, Volume 3, pp 717–720-717–720; https://doi.org/10.53697/emak.v3i3.588

Service is often an assessment in the banking sector, even not only in the banking sector, in various other sectors this service is a concern and assessment for every customer or consumer who uses the product. This service is one of the factors that greatly influences the development of a company because of the effect of the service itself, namely customer or customer satisfaction. Therefore, this research was conducted using interview techniques and direct observation on employees and priority customers of Bank PT. Bank Sumut Syari'ah Medan Katamso Branch. It aims to determine the service of employees to their priority customers. The results of the study indicate that by providing good service in the form of a fast response, good communication, features and facilities that are qualified will make customers feel confident, trust and feel comfortable to continue to be a priority customer at the bank they choose.
Novariany Ka’U, Sugianto Sugianto
Jurnal Ekonomi, Manajemen, Akuntansi Dan Keuangan, Volume 3, pp 851 –860-851 –860; https://doi.org/10.53697/emak.v3i3.609

This study aims to analyze bank profitability before and during the pandemic (COVID – 19) at the Sumatran Islamic Bank KCP Medan. Islamic banks in Indonesia face a number of challenges amid the Covid-19 outbreak.During the current Covid-19 pandemic, several Islamic banks have experienced disruptions in their profitability. For this reason, it is necessary to conduct research to analyze the impact of covid 19 on bank performance by analyzing the bank's profitability. This research is a qualitative research with a descriptive approach. From this research, it can be concluded that Islamic banks in Indonesia still depend on the income obtained from murabahah financing and tend not to develop mudharabah financing or musyarakah financing. In fact, if mudharabah and musyarakah financing can be managed properly by Islamic banks and channeled to mudharib-mudharib who are experts in their fields, this can increase the income earned by Islamic banks themselves. The data taken is 1 month.
Ervina Yulia Angkat, Fauzi Arif Lubis
Jurnal Ekonomi, Manajemen, Akuntansi Dan Keuangan, Volume 3, pp 833–838-833–838; https://doi.org/10.53697/emak.v3i3.606

PRUCINTA is a traditional sharia life insurance productwith a membership period of 20 years that provides comprehensive protection against the risk of death and death due to accidents. In addition to protection for 20 yers, this product can also be extended without a medical examination, benefits in the form of cash value will be charged to the cash value fund at the end of the membership periode, and other benefits including protection against the risk of death. There may be an accident during the return period or due to the risk of returning. A complete explanation of fund management refers to the general anda specific provision of PRUCinta. Fund management for this PRUCinta product 100% Tabarru fund insurance compensation and the cash value of the cash value fund if the insurade participant dies during the membership period. This study aims to find out how to manage PRUCinta product funds at PT Prudential Syariah
Mutiara Sari, Sugianto Sugianto
Jurnal Ekonomi, Manajemen, Akuntansi Dan Keuangan, Volume 3, pp 843 –850-843 –850; https://doi.org/10.53697/emak.v3i3.608

This study aims to determine whether customers are able to work together in generating finances at KCP Kampung Bank Syariah Indonesia taxes. Financial performance is an analytical step to determine the extent to which the company has complied and implemented regulations regarding financial implementation properly and correctly. Islamic banks that carry out financing must be based on sharia principles which have now been mutually agreed upon. In Indonesian Sharia Commercial Banks, what is applied to customers is a profit- sharing system that does not harm the bank or its customers. Income in the world of banking, both sharia and conventional, is a proportional profit sharing between banks and customers at Bank Syariah Indonesia. The sample in this study was 108 customers of Indonesian Islamic Commercial Banks, using purposive sampling technique with certain criteria to take a sample of customers at Indonesian Islamic Commercial Banks to be studied. The analytical method used is panel data regression and data secondary.
Rio Ariangga Hutagalung, Wahyu Syarvina
Jurnal Ekonomi, Manajemen, Akuntansi Dan Keuangan, Volume 3, pp 979–986-979–986; https://doi.org/10.53697/emak.v3i3.637

The calculation of the community satisfaction index is carried out by the relevant agencies on a regular basis to determine the progress of the unit's performance in the services of government agencies, which can be used as a separate policy material to further improve the quality of service. . Public. Service At the same time, the aim of this study is to measure SMI's satisfaction with its customers, to understand what needs to be improved and how to increase people's satisfaction. PermenpanRB No. 14 of 2017 Indicators of Community Satisfaction Measurement are System Requirements, Mechanisms and Procedures, Completion Time, Costs/Tariffs, Product Specifications by Type of Service, Implementation Capacity, Implementation Behavior, Facilities and Infrastructure, and Complaints, Advice and Feedback Handling. In addition, this study aims to find out how satisfied SMIs are with their customers and what can be done to make them more satisfied. The Community Satisfaction Index (IKM) based on the One Stop Integrated Service and Investment Indicator (DPMPTSP) Medan takes into account factors such as system requirements, mechanisms and procedures. Community Satisfaction (SKM) is 80.43 with a range of 76.61-88.30. The results are still among the good grades. The service elements that are considered the most satisfactory are cost/task points and complaint handling with an average of 3.6, while the lowest points are service hours and permit issuance procedures, with an average of 2.85.
Adrian Hijrah Kusuma, Slamet Heri Winarno, Irwan Raharja
Jurnal Ekonomi, Manajemen, Akuntansi Dan Keuangan, Volume 3; https://doi.org/10.53697/emak.v3i3.639

In business competition where more and more competitors are emerging, marketing strategies are used to attract consumers' attention. The better the strategy used will greatly affect the level of product sales offered by the company. As one of the companies in Indonesia, PT. Ikafood Putramas must be smart and astute in choosing marketing strategies to develop companies in the business world. This study aims to determine the marketing strategy of kokita 4p products (product, place, price, and promotion) at PT. Ikafood Putramas and knowing the obstacles and looking for solutions faced in the kokita product of PT. Ikafood Putramas. Analysis of the data used in this research is by using qualitative descriptive analysis, where the purpose of this analysis is to describe a systematic, factual and accurate. Data analysis consisted of data reduction, data presentation and conclusion drawing. Data were collected through observation and interviews with the area manager of PT. Ikafood Putramas. The results of the study concluded that the marketing strategy used by PT. Ikafood Putramas is a marketing strategy oriented to the 4P theory (Product, Price, Place, Promotion) as the basis of their marketing strategy, by creating a variety of products, setting prices according to product grammar, distributing products to consumers, and conducting promotions using salesmen. and also use advances in technology.
Nurianti Rahmadani, Ahmad Amin Dalimunthe
Jurnal Ekonomi, Manajemen, Akuntansi Dan Keuangan, Volume 3; https://doi.org/10.53697/emak.v3i3.638

The implementation of gold pawning is part of Islamic financial institutions in 2011-2012, the level of pawning is very large but can help supply customers. This research aims to find out how Islamic banking is when dealing with developers of gold pawning production. In the face of increased production of gold pawnshops, the problem that occurs is the production of gold pawnshops, and the assumption given by the Islamic bank KC Kabanajahe to overcome these problems. The method used in this research is a qualitative method using primary data in the form of documents and slides related to gold pawn financing, while for secondary data in the form of information from the internet, books, journals, theses, articles and other literature. Based on the results of the research that has been done, it is concluded that the strategy adopted in dealing with the development of gold pawn products is in accordance with the theories and methods of developing innovations for Islamic banking products and in dealing with the problems of developing gold pawning products that occur, the Islamic bank KC Kabanajahe fulfills regular trends for programs by supplying customers, advancing the increase in gold pawning for products belonging to the Islamic bank KC Kabanajahe by persisting Mitigation of payments for payments that are met..
Dona Zahra Hasibuan, Nur Ahmadi Bi Rahmani
Jurnal Ekonomi, Manajemen, Akuntansi Dan Keuangan, Volume 3, pp 967–972-967–972; https://doi.org/10.53697/emak.v3i3.624

This article aims to determine the role of human resource management in organizations. This paper uses the literature review method (research conducted in libraries) to write about the topic. From the discussion it can be concluded that human resource management has three main functions, namely managerial, operational, and integration to achieve organizational goals. Human resource management includes tasks such as staff procurement, staff development, managing compensation, maintaining occupational safety and health, and manage the relationship between workers and their employers. The main task of human resource management is to increase the contribution of human resources (employees) to the organization. From this it can be understood that all activities of the organization in achieving its objectives depend on the people who manage the organization. Therefore, it is important to manage employees well in order to help the organization achieve its goals 
Muhammad Risalah, Nur Ahmadi Bi Rahmani
Jurnal Ekonomi, Manajemen, Akuntansi Dan Keuangan, Volume 3; https://doi.org/10.53697/emak.v3i3.644

The emergence of various syriah financial institutions (banks and non-banks) shows us that people are increasingly trusting in the sharia system. In connection with the number of financial institutions such as sharia insurance, both general and life insurance, it provides a lot of job opportunities. Therefore, it is necessary to have good quality human resources (HR). Human resources are an important element in a company, because this element is the part that drives the system in a company in order to achieve company goals. Insurance companies, both general and life itself, cannot be separated from the performance of actuaries. This type of research is descriptive with a qualitative approach. Data collection used by using interviews, study documentation and observation. The study in this research is to find out "Actuarial Aspects in Life Insurance". The results showed that actuaries of life insurance and pension plans have always had a special interest in the development and construction of mortality/death tables. Whole life insurance is insurance that provides protection for 99 years. 99 years is called a lifetime because in Indonesia the life expectancy of people is 65 years (men) and 70 years (women), so 99% of you will get coverage if you take this insurance.
Ade Rizki Meilani, Nur Mija Hasibuan, Muhammad Lathief Ilhamy Nasution
Jurnal Ekonomi, Manajemen, Akuntansi Dan Keuangan, Volume 3, pp 707 –716-707 –716; https://doi.org/10.53697/emak.v3i3.579

Pledge as one of the categories of debt-receivable agreements, for the trust of the lender, the debt holder swears merchandise as collateral for obligations. The collateral remains the property of the person who pledged it, but is limited by the recipient of the votive. The special functional components of sharia second-hand shops can be completed by Islamic financial institutions, especially sharia second-hand shops, both as private and government organizations. Improvements are currently accelerating, this is evidenced by progress in various fields, especially innovation. However, not all innovations provide accommodation and positive effects for their clients if they are not handled as expected. This study plans to determine the degree of business administration system for the Digital Sharia Pawnshop application (PSD) in supporting exchanges and increasing potential in facing competition, and to determine the adequacy of online administration carried out by Rantau Prapat Syariah Pegadaian through the Digital Sharia Pawnshop Application (PSD) in expanding the number of customer. Discussion of exam results using a graphical methodology. From the results of this review, it shows that with the implementation of a sophisticated sharia second-hand shop (PSD) application, it is very easy for the general public to make transactions at sharia second-hand shops. So the Digital Sharia Pawnshop (PSD) for this situation sharpens the organization's special value in facing competition. The effectiveness of PSD is reviewed through 7 dimensions, namely efficiency, reliability, compliance, service privacy, responsiveness, compensation, and contact.
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