{"title":"ANALISIS KUALITATIF BISNIS ASURANSI MIKRO DI INDONESIA","authors":"Mulawarman Awaloedin","doi":"10.36085/jems.v2i2.1516","DOIUrl":"https://doi.org/10.36085/jems.v2i2.1516","url":null,"abstract":"The purpose of this research is to explain the phenomenon occured in micro Insurance industry in Indonesia after the launch of the grand design of the Indonesian micro Insurance development. Having used a case study method, the researcher conducted some interviews with a number of practitioners, and obtained some information that micro insurance is still unable to develop if seen from the total population of the people in Indonesia. Micro insurance products are still scattered in big cities, and they have not touched the lower income people if refered to the basic concept of micro insurance. This needs a breakthrough in order to develop the micro insurance, as in the case with our neighbor country, the Philipines, which is more advanced in developing this insurance scheme. In order to develop this micro insurance business, it is necessary to develop it through a network of small communities, which are found mostly in the lower middle class. Beside that, marketers also need to be equiped with a set of tools, such as an adequate ICT -based market (community) database. Therefore, a micro insurance businesses to be developed needs to be adjusted to the conditions of the Indonesian state, for example in the case of micro insurance, for agriculture, livestock, fishermen, especially for rural areas. Meanwhile, for urban areas, micro insurance businesses that are attractive are personal accidents, property, and motor and vehicles.","PeriodicalId":205181,"journal":{"name":"(JEMS) Jurnal Entrepreneur dan Manajemen Sains","volume":"42 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-04-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127116829","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"PENGARUH DISIPLIN KERJA, KOMPENSASI DAN MOTIVASI KERJA TERHADAP KINERJA KARYAWAN (Studi Kasus Pada PT Batang Hari Bengkulu Pratama)","authors":"Prayogi Permadi, M. Kusuma","doi":"10.36085/jems.v2i2.1405","DOIUrl":"https://doi.org/10.36085/jems.v2i2.1405","url":null,"abstract":"This study aims to know the effect of work discipline, compensation and work motivation on employee performance at PT. Batanghari Bengkulu Pratama, either partially or simultaneously. There are several factors that are discussed in this study, namely work discipline, compensation and work motivation. The object of this research is 100 employees at PT. Batanghari Bengkulu Pratama. In this research, the researcher used data collection methods by means of observation, interviews and distributing questionnaires. There are several data analysis techniques used in this study, among other are by using instrument test, classical assumption test, respondent response analysis, multiple linear regression analysis, determinant coefficient, and hypothesis testing. From the results of the tests that have been carried out, it can be concluded that the variables of Work Discipline (X1), Compensation (X2) and Work Motivation (X3)partially or simultaneously have an effect on Employee Performance at PT. Batanghari Bengkulu Pratama. The t-test results for the Work Discipline variable (X1) show the value of tcount >ttabel (α/2) (2.232> 1.98498) and (sig < α = 0.028 <0.050), the variable compensation (X2) shows the value of tcount >ttabel(α/2) (2.399> 1.98498) and (sig < α = 0.018 <0.050), Work Motivation Variable (X3) shows the value of tcount >ttable (α/2) (3.257> 1.98498) and (sig < α = 0.002 <0.050). In addition, from the results of the multiple linear regression test, the regression equation is obtained as follows: Y = 5.030 + 0.250 (X1) + 0.374 (X2) + 0.837 (X3) Keywords: Work Discipline, Compensation, Work Motivation and Employee Performance","PeriodicalId":205181,"journal":{"name":"(JEMS) Jurnal Entrepreneur dan Manajemen Sains","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-04-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121635989","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"STRATEGI DALAM MENINGKATKAN OMZET PENJUALAN PADA TOKO DUO SISTER HIJAB KOTA BENGKULU","authors":"Annisa Murti, Sri Ekowati","doi":"10.36085/jems.v2i1.952","DOIUrl":"https://doi.org/10.36085/jems.v2i1.952","url":null,"abstract":"Sister Duo Hijab store is a company engaged in fashion which produces and markets hijab, clothes, pants, hijab shirts, tuspins etc. This business has been running for 3 years and is growing well but has many competitors in the same field. This study is entitled \"analysis of marketing strategies to increase sales in the city of Bengkulu hijab duo sister shop\". This research is based on the importance of marketing strategies in an organization. This study also aims to determine the company's internal and external factors, determine the company's position and determine the right marketing strategy for the company to increase sales.","PeriodicalId":205181,"journal":{"name":"(JEMS) Jurnal Entrepreneur dan Manajemen Sains","volume":"100 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-02-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134570056","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"DAMPAK PRESTASI KERJA, SENIORITAS, DAN LOYALITAS TERHADAP PROMOSI JABATAN (Studi Kasus Pada PT. BankBengkulu)","authors":"Tenti Suka Dewi, Sri Ekowati, Tezar Arianto","doi":"10.36085/jems.v2i1.1383","DOIUrl":"https://doi.org/10.36085/jems.v2i1.1383","url":null,"abstract":"The title of this research is the effect of job performance, seniority, and loyalty on promotion to the firefighting office and rescue Bengkulu city. Job promotion is the result of work in quality and quantity achieved by an employee in carrying out tasks in accordance with the responsibilities assigned to him. This study aims to determine the effect of work performance, seniority and loyalty on promotion to the firefighting office and rescue Bengkulu City. This research method is quantitative with a population of all employees of the Bengkulu city fire and rescue office, amounting to 57 people, while the sample was taken using a total sampling technique of 57 employees of the Bengkulu city fire and rescue office. Data collection techniques by means of observation and questionnaires.Data analysis techniques with multiple regression, test significance (t test) and (f test). The variables of this study are Job Performance (X1), Seniority (X2) loyalty (X3) Job promotion (Y).The place of this research is the Bengkulu City fire and rescue department, which is located at JL. Bhayangkara NO.47 KM 9 Bengkulu City. The results of this study are evidenced by the results of the t test showing the value of t_hit> t_ (α / 2) (3.3378> 2.0024) and (sig α = 0.001 <0.050). This means that H_0 is rejected and H_a is accepted. Work motivation has a significant effect on employee performance at the firefighting office and the rescue of the city of Bengkulu, this is evidenced by the results of the t test showing the value of t_hit> t_ (α / 2) (2.654> 2.0024) and (sig α = 0.009 <0.050). This means that H_0 is rejected and H_a is accepted. Job performance (X_1) seniority (X2) Loyalty (X3) together have a significant effect on promotion (Y) at the fire department and rescue city of Bengkulu, this is evidenced by the F test shows the value of F_count> F table, namely (28779> 1.8960) and (sig α = 0.000 <0.05). This means that H_0 is rejected and H_a is accepted. Keywords: Job Performance, Seniority, and Loyalty to Job Promotion","PeriodicalId":205181,"journal":{"name":"(JEMS) Jurnal Entrepreneur dan Manajemen Sains","volume":"39 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-01-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127036979","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"PENGARUH LOKASI, INOVASI PRODUK, DAN CITA RASA TERHADAP KEPUTUSAN PEMBELIAN PADA ELEVEN CAFE DI KOTA BENGKULU","authors":"Elvina Endah Puspa Wulandari","doi":"10.36085/jems.v2i1.1379","DOIUrl":"https://doi.org/10.36085/jems.v2i1.1379","url":null,"abstract":"This study aims to determine the effect of location, product innovation, taste image as well on customers’ purchasing decisions at Eleven Cafe of Bengkulu City, and find out the most dominant factors that influence purchase decisions of three variables above. The method of this research used quantitative analysis by taking up data through observation and questionnaires toward 96 respondents with Accidental Sampling method. The results of study obtained that multiple linear regression test by using SPSS program; Y = 0.193 + 0.262 (X1) + 0.168 (X2) + 0.249 (X3). The coefficient of determination (R2) Adjusted R Square value was 0.881 or 88.1%, this means that together location (X1), product innovation (X2) and taste image (X3) contributed 88.1% to influence the purchasing decision (Y) at Eleven Cafe of Bengkulu City. While, hypothesis testing t_test showed that the location variable (X1) was 0.002 <0.050, the product innovation variable (X2), 0.012 <0.050 and the taste image variable (X3) obtained 0.000 <0.050. All of these variables partially have an effect on purchasing decisions. Furthermore, F_test showed that the location (X1), product innovation (X2), and taste image (X3) have influenced the purchase decision (Y) with a significance level <0.050, it means Ho was refused, Ha accepted. Keywords: Location, Product Innovation, Taste Image, Purchasing Decisions.","PeriodicalId":205181,"journal":{"name":"(JEMS) Jurnal Entrepreneur dan Manajemen Sains","volume":"24 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-01-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132517990","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"THE INFLUENCE OF INNOVATION, PROMOTION AND SERVICE QUALITY ON PRODUCT PURCHASE DECISIONS IN TRULY CAFE AND RESTO BENGKULU","authors":"Deny Triwijaya","doi":"10.36085/jems.v2i1.1372","DOIUrl":"https://doi.org/10.36085/jems.v2i1.1372","url":null,"abstract":"The study aimed to determine the effect of Innovation, Promotion, and Service Quality on Purchasing Decisions of Products in Truly Cafe and Resto Bengkulu and to find out which factors were the most dominant affecting purchasing decisions. This study employed a descriptive quantitative research method. The population in this study were all consumers in Bengkulu Cafe and Resto Truly and samples taken amounting to 96 people and sampling using the accidental sampling method. Data collection method was through using the questionnaire method. Based on the results of multiple linear regression obtained by the regression equation Y = 1,692 + 0.580 (X_1) + 0.968 (X2) + 0.217 (X3). The results of the study and the hypothesis indicate that innovation (sig α = 0,000 <0.050), promotion (sig α = 0,000 <0.050), service quality (sig α = 0.031 <0.050). The results showed that there was an impact between the Innovation (X1), Promotion (X2), and Service Quality (X3) variables significantly on the Purchasing Decision (Y) on the On July Cafe and Resto Bengkulu. To be better, it needs to be improved again such as multiplying to follow the trends that occur and pay attention to the quality and quality of good work and others in order to increase the Purchasing Decisions in Truly Cafe and Resto Bengkulu. Keywords: Innovation, Promotion, Service Quality, Purchasing Decisions","PeriodicalId":205181,"journal":{"name":"(JEMS) Jurnal Entrepreneur dan Manajemen Sains","volume":"417 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-01-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124183932","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"PENGARUH MARKETING ONLINE DAN E-SERVICE QUALITY TERHADAP KEPUTUSAN PEMBELIAN (Studi Kasus Pembelian Produk Labbaik Chicken)","authors":"Y. Setiadi","doi":"10.36085/jems.v2i1.1382","DOIUrl":"https://doi.org/10.36085/jems.v2i1.1382","url":null,"abstract":"This study aims to determine the effect of Online Marketing and E-Service Quality on purchasing decisions, either partially or simultaneously. The independent variables in this study are online marketing (X1), e-service quality (X2), and the dependent variable, namely purchasing decisions (Y). In this research, the writer uses the method of collecting data by means of observation, distributing questionnaires or questionnaires. And the research location is in Labbaik Chicken, Bengkulu city. The population and sample of this research are all consumers who buy fast food products at Labbaik Chicken, and the determination of the sample in this study uses purposive sampling technique, with the criteria namely (1) Respondents who have bought food or beverage products from Labbaik Chicken Bengkulu City, (2) ) Respondents who have updated information about fast food products on their social networks, (3) Respondents who come directly to fast food restaurants. Since the population in this study is unknown, the authors use the MSI method (method of successive interval) by transforming the ordinal scale data into interval scale data, with 5-10 samples for indicators in all variables used, namely 12 indicators with The minimum sample results are 60 respondents and the maximum sample is 120 respondents, in this study the number of samples used is 120 respondents who are considered to have met the requirements. The data analysis techniques in this study the authors used several data analysis techniques, namely instrument test, classical assumption test, multiple linear regression analysis, determinant coefficient, and hypothesis testing. From the results of the tests that have been done, it can be concluded that Online Marketing (), and E-Service Quality () on the dependent variable of Purchase Decision (Y) have a significant effect, this can be seen in the F test which states the value>, namely (99.579> 3.074 ) and (sig = 0.000 <0.050), thus it can be concluded that it is accepted that the online Marketing () and E-Service Quality () variables simultaneously have a significant influence on Purchasing Decisions (Y), in Labbaik Chicken, Bengkulu City. Keywords: Online Marketing, E-Service Quality Purchasing Decisions","PeriodicalId":205181,"journal":{"name":"(JEMS) Jurnal Entrepreneur dan Manajemen Sains","volume":"14 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-01-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122184737","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"PENGARUH KARAKTERISTIK INDIVIDU DAN KOMUNIKASI INTERNAL TERHADAP KINERJA KARYAWAN","authors":"Fitri Hariyanti","doi":"10.36085/jems.v2i1.1378","DOIUrl":"https://doi.org/10.36085/jems.v2i1.1378","url":null,"abstract":"The decline on employee performance is due to they are not able to reach targets as required by company. They must be decided by the company because they have poor performance such as sales, who did not reach the target during the trial period. Employees who are not conscientious, employees who are not alert in  working, for example handling tasks that cannot be done in a predetermined time. This research took a sample of 42 respondents by using the total sampling technique. The data collection technique is done through observation and questionnaires. The data analysis technique is multiple linear regressions. Then also wll tested, such as validity test, reliability test, classical assumption test followed by hypothesis testing.The results showed that there was an effect of individual characteristics (X1) on employee performance (Y) at PT. Genta Lampung Makmur Bengkulu, it was to 0,000, thus Ho was rejected and Ha was accepted. The significance value of variable X has an effect on employee performance (Y). Thenalso, the effect of internal communication (X2) on employee performance, with its value 0.031, thus Ho is rejected and Ha is accepted. From these significance values obtained, the variable X2 has an effect on employee performance (Y). Individual characteristics and internal communication simultaneously have an effect on employee performance with a value of F_sig","PeriodicalId":205181,"journal":{"name":"(JEMS) Jurnal Entrepreneur dan Manajemen Sains","volume":"57 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-01-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126013785","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"PENGARUH HARGA DAN KUALITAS PRODUK TERHADAP MINAT BELI BATIK BESUREK PADA TOKO SARI RASA","authors":"Epah Susanti, Adi Sismanto","doi":"10.36085/jems.v2i1.1370","DOIUrl":"https://doi.org/10.36085/jems.v2i1.1370","url":null,"abstract":"This study entitled The effect of Product Price and Quality on Interest in Buying Besurek Batik by Sari Rasa Store Consumers at Soekarno Hatta Street of Anggut Bengkulu City. The formulation of the problem of this research is whether the Price and Quality of Product have a effect on the Interest in Buying Besurek Batik on Sari Rasa Bengkulu Consumer. The purpose of this study is to determine that the effect of Price and Product Quality significantly influence Interest in Buying Besurek Batik.This research was conducted on Besurek Batik Consumers at the Bengkulu City Sari shop. The research was carried out for 13 days. The population of this study was Consumer Batik Besurek At Bengkulu City Sari Rasa Shop, while the sample of this study wass the Consumer Batik Besurek At the City of Bengkulu Sari Rasa Shop, amounting to 91 respondents. The study was conducted in quantitative methods.Based on the analysis of the study, the results of the study can be concluded that respondents' perceptions on Price (X1) and Product Quality (X2) affect the Purchase Interest (Y) with the results of multiple linear regression of  Y = 2.106 + 0.392 (X_1) + 0.156 (X_2). And the coefficient of determination of R2 = 0.555 or 55.5%. Through hypothesis testing in the same time, (simultaneous) and individually (partial)this study using the f test and t test, Price (X1) and Product Quality (X2) = 0.000. This means that the fsig value <0.050 shows a simultanous effect which was significant. Keywords: Price, Product Quality and Purchase Interest.","PeriodicalId":205181,"journal":{"name":"(JEMS) Jurnal Entrepreneur dan Manajemen Sains","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-01-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133323790","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"PENGARUH PELATIHAN TERHADAP KINERJA KARYAWAN DENGAN MOTIVASI SEBAGAI VARIABEL INTERVENING PADA USAHA KONVEKSI ADIGUNA KOTA BENGKULU","authors":"Azis Saefulloh, Sri Ekowati","doi":"10.36085/jems.v2i1.1380","DOIUrl":"https://doi.org/10.36085/jems.v2i1.1380","url":null,"abstract":"This study aimed to find outthe effect of training on employee performance with motivation as an Intervening variable in the Adiguna Convection Business at Bengkulu City. There were several factors that would be discussed in this study, including training and motivation as Intervening variables. The object in this study were 40 employees at the Adiguna Convection Business in Bengkulu City. In this study, the researcher employed data collection methods through conducting observation, interviews and distributing questionnaires. There were several data analysis techniques employed in this study, including using instrument tests, classical assumption tests, analysis of respondent responses, simple linear regression analysis, determinant coefficient, and hypothesis testing. From the results of the tests that have been carried out, it can be concluded that the Training variable (X) has a positive and significant effect on Employee Performance (Y) at the Adiguna Convection Business in Bengkulu City.Then, the motivation variable (Z) mediates training positively and significantly on employee performance (Y) at the Adiguna Convection Business in Bengkulu City. Moreover, from the results of the simple linear regression test, the regression equation is gained as follows: The first equation, Z = 3.530 + 1.053 (X). The second equation Y = 0.749 + 1.095 (X). Third equation Y = 2.067 + 1.027 (Z)Â Keywords: Training, Motivation And Employee Performance","PeriodicalId":205181,"journal":{"name":"(JEMS) Jurnal Entrepreneur dan Manajemen Sains","volume":"19 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-01-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127839634","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}