Journal of Entrepreneurship最新文献_第2页

MARKETING MIX STRATEGY TO INCREASE MICROFINANCE DISTRIBUTION AT PT PERMODALAN NASIONAL MADANI INDRAMAYU 营销组合策略，以增加小额信贷的分布在pt常设国家银行

Journal of Entrepreneurship Pub Date : 2023-08-30 DOI: 10.56943/joe.v2i3.371

None Irmana

{"title":"MARKETING MIX STRATEGY TO INCREASE MICROFINANCE DISTRIBUTION AT PT PERMODALAN NASIONAL MADANI INDRAMAYU","authors":"None Irmana","doi":"10.56943/joe.v2i3.371","DOIUrl":"https://doi.org/10.56943/joe.v2i3.371","url":null,"abstract":"Marketing strategies will be effective if supported by the right marketing mix strategy. One of the business units of PT Permodalan Nasional Madani Indramayu is required to contribute by achieving branch income in accordance with the predetermined target. Revenue optimization can be achieved by maximizing the distribution of financing to ultra-micro, micro and small businesses. This research aims to determine the effect of marketing mix (product, price, place, promotion, people, physical evidence, and process) on the decision to become a microfinance customer at PT Permodalan Nasional Madani Indramayu so that the right marketing mix strategy can be determined to increase the distribution of microfinance at the company. This research is quantitative with a correlational approach. In addition, the sampling technique used in this research is slovin technique. Research uses 2 variables. The dependent variable used the customer’s decision, while the independent variable, that is, the variable that is used as the cause of changes or that affects the dependent variable, is the marketing mix which includes product, physical evidence, people, process, promotion, place, and price.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"24 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136242506","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}

引用次数: 0

EVALUATION OF LOW ATTENDANCE OF MEMBERS DURING WEEKLY GROUP MEETINGS AT PERMODALAN NASIONAL MADANI (PNM) MEKAAR SOLO 在permodalan national madani (pnm) mekaar solo的每周小组会议中，对成员出席率低的评估

Journal of Entrepreneurship Pub Date : 2023-08-30 DOI: 10.56943/joe.v2i3.370

Ananto Seno

{"title":"EVALUATION OF LOW ATTENDANCE OF MEMBERS DURING WEEKLY GROUP MEETINGS AT PERMODALAN NASIONAL MADANI (PNM) MEKAAR SOLO","authors":"Ananto Seno","doi":"10.56943/joe.v2i3.370","DOIUrl":"https://doi.org/10.56943/joe.v2i3.370","url":null,"abstract":"This research evaluated the low attendance of members during weekly group meetings at Permodalan Nasional Madani (PNM) Mekaar in Solo. This research aims to determine the factors that inhibit group members from attending weekly group meetings and identify policies taken by PNM Mekaar to ensure weekly group meetings stay active. Purposive sampling was used to select the research subjects, who must have joined PNM Mekaar at least since 2020, be registered as customers at PNM Mekaar, be registered as employees at PNM Mekaar for at least six months, and have agreed to participate in the research. Based on the findings, internal and external factors contributed to the problem of group members who had to attend weekly group meetings. These internal factors included less friendly account officers, no ceremonial weekly group meetings, weekly group meetings starting to focus solely on instalments, overworked account officers, new account officers still in training, high member turnover within three months, senior account officers and account officers not outlining key points of the cooperation agreement, and PT PNM Mekaar delegating the responsibility of customer education to the group leader. Meanwhile, other external factors, which include customers’ busy schedules and the laziness of some customers after years of paying instalments, prevent group members from attending weekly group meetings. PNM Mekaar's policy of delegating customer evaluation to its officers allows the weekly group meetings to operate as usual.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"86 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136242365","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}

引用次数: 0

THE INFLUENCE OF ORGANISATIONAL CULTURE AND LEADERSHIP STYLE ON EMPLOYEE PERFORMANCE IN FINANCING DISTRIBUTION WITH EMPLOYEE SATISFACTION AS AN INTERVENING VARIABLE AT PT PNM VENTURA SYARIAH 组织文化和领导风格对员工融资分配绩效的影响，员工满意度为中介变量

Journal of Entrepreneurship Pub Date : 2023-08-30 DOI: 10.56943/joe.v2i3.363

Engga Trijaya, Dra. Siti Safaria

{"title":"THE INFLUENCE OF ORGANISATIONAL CULTURE AND LEADERSHIP STYLE ON EMPLOYEE PERFORMANCE IN FINANCING DISTRIBUTION WITH EMPLOYEE SATISFACTION AS AN INTERVENING VARIABLE AT PT PNM VENTURA SYARIAH","authors":"Engga Trijaya, Dra. Siti Safaria","doi":"10.56943/joe.v2i3.363","DOIUrl":"https://doi.org/10.56943/joe.v2i3.363","url":null,"abstract":"Business growth in the financial institution sector in Indonesia is currently providing stronger competition among similar industries. Then, PT PNM Ventura Syariah is working hard in improving the employee performance. The research population is all employees at PT PNM Ventura Syariah with a sample size that selected using proportional random sampling technique. The data obtained were analyzed using descriptive analysis and SEM PLS analysis. The objective of this research is to determine whether the variables of organisational culture, leadership style, and job satisfaction on employee performance. The research results indicated that organizational culture variable had no effect on employee performance, but the leadership style and job satisfaction variable has a positive effect on employee performance. In addition, organizational culture variables directly have a positive effect on job satisfaction, and leadership style variable has no effect on job satisfaction. Moreover, job satisfaction variable is not able to mediate the effect of organizational culture on employee performance. Then, job satisfaction variable is able to mediate the effect of leadership style on employee performance.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"104 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136242367","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}

引用次数: 0

NUMBERS DON’T LIE: DECODING FINANCIAL ERROR AND FRAUD THROUGH BENFORD’S LAW 数字不会说谎:通过本福德定律解读金融错误和欺诈

Journal of Entrepreneurship Pub Date : 2023-08-18 DOI: 10.56943/joe.v2i3.367

Gregorius Rudy Antonio

{"title":"NUMBERS DON’T LIE: DECODING FINANCIAL ERROR AND FRAUD THROUGH BENFORD’S LAW","authors":"Gregorius Rudy Antonio","doi":"10.56943/joe.v2i3.367","DOIUrl":"https://doi.org/10.56943/joe.v2i3.367","url":null,"abstract":"This research investigates Benford’s Law as a statistical instrument to detect financial fraud and errors. Benford's Law, also known as the First-Digit Law, states that lesser digits, specifically '1', frequently appear as the leading digit in numerous numerical datasets, and deviations from this distribution may indicate potential financial irregularities. This research examines literature demonstrating the application and efficacy of Benford’s Law in identifying numerical inconsistencies indicative of financial misconduct. This research investigates the use of Benford’s Law as a tool of detecting error and fraudulent activities within the sales data of two branches during 2022. A comprehensive dataset of 3098 records from Bandung and 539 records from Surabaya was collected after excluding certain data points that exhibited abnormalities. The application of Benford's statistical test discovered a discrepancy between the Benford probability and the observed probability, suggesting the presence of possible errors and frauds. The audit findings unveiled anomalies in pricing and instances of fraudulent activities in both locations, primarily due to pricing discrepancies and incorrect price inputs from sales orders. Furthermore, instances of fraud involved the manipulation of set prices for personal gain by salesmen. The results affirmed the hypothesis that a larger deviation between Benford’s probability and the observed probability corresponded with a higher incidence of error and fraud. However, it observes that Benford’s Law is not a stand-alone solution for detecting fraud, as not all financial datasets conform to it and deviations from the law only indicate the possibility of fraud, not confirm it. Therefore, the research suggests using Benford’s Law in conjunction with other data analysis and auditing techniques to conduct a comprehensive investigation. The conclusion of research emphasizes the significance of Benford’s Law in the field of forensic accounting and the need for multidimensional strategies for effective error and fraud detection.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136214846","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}

引用次数: 0

THE EFFECT OF EDUCATION, TRAINING, AND MOTIVATION ON THE CIVIL SERVANT PERFORMANCE AT THE CITY POPULATION AND CIVIL REGISTRATION OFFICE, EAST SERAM 教育、培训和激励对城市人口和民事登记机关公务员绩效的影响

Journal of Entrepreneurship Pub Date : 2023-07-28 DOI: 10.56943/joe.v2i3.356

Mohamad Amin

{"title":"THE EFFECT OF EDUCATION, TRAINING, AND MOTIVATION ON THE CIVIL SERVANT PERFORMANCE AT THE CITY POPULATION AND CIVIL REGISTRATION OFFICE, EAST SERAM","authors":"Mohamad Amin","doi":"10.56943/joe.v2i3.356","DOIUrl":"https://doi.org/10.56943/joe.v2i3.356","url":null,"abstract":"According to Article 1 of Law No. 43/1999, the duties of civil servants are to improve the effectiveness, efficiency, and level of professionalism in implementing their main duties and functions. The objective of this research is to determine the effect of education, training, motivation on civil servant performance at the city population and civil registration office, East Seram. Primary data was obtained using questionnaires to 57 selected respondents and interviews; and secondary data was obtained from available literature. The analytical tool used is descriptive analysis of multiple linear regression. The results of this research indicated that education, training, and motivation have a significant effect on employee performance simultaneously. In addition, education partially has a significant effect on employee performance, and training partially has a significant effect on employee performance. Moreover, motivation has a significant partial effect on employee performance, and the variation of employee performance is described by education, training, and motivation at 51.7% while 48.3% is described by other variables outside this research, such as work stress, work environment, and so on.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"29 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135608291","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}

引用次数: 0

THE IMPACT OF MINDFULNESS ON MOBILE PAYMENT TOOL USAGE 正念对移动支付工具使用的影响

Journal of Entrepreneurship Pub Date : 2023-07-28 DOI: 10.56943/joe.v2i3.350

Saidatul Humayrah

{"title":"THE IMPACT OF MINDFULNESS ON MOBILE PAYMENT TOOL USAGE","authors":"Saidatul Humayrah","doi":"10.56943/joe.v2i3.350","DOIUrl":"https://doi.org/10.56943/joe.v2i3.350","url":null,"abstract":"The application of mobile payment has not been spread to all Indonesians. However, there are many companies that have started to release and develop their own versions of mobile payment systems. Mobile payment systems, which are innovative forms of financial processing, connect customers and vendors online to complete transactions. The implication of mindfulness has been implicated in many mobile business intelligence technologies. Therefore, this research aims to determine the implications of mindfulness on mobile payment; to analyze hypotheses regarding the performance of mindfulness in affecting perceived usefulness, perceived ease of use, subjective norms, and attitudes. SEM applies with statistical methods in representing data and applies many models in achieving research objectives and resolving research problems. There were 251 data that represented active users who had experience in using mobile payments. The results of this research indicate that mindfulness has good exploratory strength in predicting consumer intention to adopt mobile payment, and it is proven that has a positive and significant impact on its four dimensions such as perceived ease of use, perceived benefits, and attitudes, which directly affect the intention to use.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"43 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135608292","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}

引用次数: 0

THE EFFECT OF LEADERSHIP STYLE, MOTIVATION, AND WORK DISCIPLINE ON EMPLOYEE PERFORMANCE AT PT MEGA DAYA MOTOR SURABAYA (MAZDA, EAST JAVA BRANCH) 领导风格、动机、工作纪律对员工绩效的影响——马自达东爪哇分公司

Journal of Entrepreneurship Pub Date : 2023-07-28 DOI: 10.56943/joe.v2i3.348

Elly Yuniar Nitawati, Nurul Iman, Talita Amanda

{"title":"THE EFFECT OF LEADERSHIP STYLE, MOTIVATION, AND WORK DISCIPLINE ON EMPLOYEE PERFORMANCE AT PT MEGA DAYA MOTOR SURABAYA (MAZDA, EAST JAVA BRANCH)","authors":"Elly Yuniar Nitawati, Nurul Iman, Talita Amanda","doi":"10.56943/joe.v2i3.348","DOIUrl":"https://doi.org/10.56943/joe.v2i3.348","url":null,"abstract":"Managing human resources well is important for an organisation to be able to compete with other more advanced organisations, however, in managing human resources is different from other sources, it requires an effort to establish a harmonious relationship between workers and the organisation. Therefore, the research aims to determine and examine the variables of leadership style, motivation and work discipline that have a simultaneous, partial, and dominant effect on employee performance at PT Mega Daya Motor Surabaya (Mazda, East Java branch). The approach used is a quantitative approach. The data collection used was interviews, questionnaires, and observation. In addition, the sampling technique in this research used probability sampling technique with 60 respondents, employees of PT Mega Daya Motor Surabaya. The results of testing the model simultaneously obtained the value of F count 30.909> F table 2.77. Moreover, the resulting significant value is 0.000 which is < α = 5% = 0.05, so it can be concluded Leadership Style (X1), Motivation (X2) and Work Discipline (X3) simultaneously have a significant effect on Employee Performance (Y) PT Mega Daya Motor Surabaya (Mazda, East Java Branch).","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"590 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135608294","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}

引用次数: 0

COMMUNICATION STRATEGY FOR MEKAAR CUSTOMERS OF PT PERMODALAN NASIONAL MADANI SEMARANG 针对塞玛琅国家石油公司 MEKAAR 客户的传播战略

Journal of Entrepreneurship Pub Date : 2023-07-28 DOI: 10.56943/joe.v2i3.353

Mohammad Rizal Hakim

引用次数: 1

THE EFFECT OF PROFITABILITY, LIQUIDITY, LEVERAGE, SALES GROWTH ON FINANCIAL DISTRESS IN CONSUMER AND NON-CONSUMER CYCLICALS COMPANIES LISTED ON THE IDX DURING THE 2019-2021 盈利能力、流动性、杠杆、销售增长对2019-2021年在idx上市的消费者和非消费者周期性公司财务困境的影响

Journal of Entrepreneurship Pub Date : 2023-07-28 DOI: 10.56943/joe.v2i3.355

Gracelia Friska, Drs. Eko Pudjolaksono

{"title":"THE EFFECT OF PROFITABILITY, LIQUIDITY, LEVERAGE, SALES GROWTH ON FINANCIAL DISTRESS IN CONSUMER AND NON-CONSUMER CYCLICALS COMPANIES LISTED ON THE IDX DURING THE 2019-2021","authors":"Gracelia Friska, Drs. Eko Pudjolaksono","doi":"10.56943/joe.v2i3.355","DOIUrl":"https://doi.org/10.56943/joe.v2i3.355","url":null,"abstract":"The ability of a company to compete is determined by the company’s performance. If there is a lack of effectiveness in the company’s performance, then company leaders can take the right action to ensure that things become more efficient. Moreover, performance measurement is closely related to the company’s financial condition. Every company should create and use financial reports in the process of managing the company’s finances. Therefore, this research is needed to find out the effect of profitability, liquidity, leverage, sales growth on financial distress in consumer and non-consumer cyclicals companies listed on the IDX during the 2019-2021. The sampling method used in this research is nonprobability sampling by applying purposive sampling technique. The sample used in this research consists of trading companies listed on the Indonesia Stock Exchange (IDX) during the 2019-2021 that are engaged in buying and selling activities without production. The results of this research indicate that (1) the profitability ratio measured using Return on Asset has a positive effect on financial distress; (2) the profitability ratio measured using Return on Equity has a negative effect on financial distress; (3) the liquidity ratio measured using the Current Ratio has no effect on financial distress; (4) the leverage ratio measured using the Debt Equity Ratio has an effect on financial distress; and (5) the sales growth ratio has no effect on financial distress in trading sector companies listed on the IDX during 2019-2021.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"14 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135608293","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}

引用次数: 0

THE EFFECT OF COMPENSATION, JOB SATISFACTION AND MOTIVATION ON EMPLOYEE PERFORMANCE AT PT LAUT TIMUR UTAMA, ARU ISLANDS 薪酬、工作满意度和工作动机对员工绩效的影响

Journal of Entrepreneurship Pub Date : 2023-07-28 DOI: 10.56943/joe.v2i3.351

Trudy Maryona Nussy

{"title":"THE EFFECT OF COMPENSATION, JOB SATISFACTION AND MOTIVATION ON EMPLOYEE PERFORMANCE AT PT LAUT TIMUR UTAMA, ARU ISLANDS","authors":"Trudy Maryona Nussy","doi":"10.56943/joe.v2i3.351","DOIUrl":"https://doi.org/10.56943/joe.v2i3.351","url":null,"abstract":"Human resources have a crucial role. The existence of human resources has great potential in conducting company activities and their abilities can be maximised. Human resource management at PT Laut Timur Utama, Aru Islands always strives to improve employee performance in order to create efficient company productivity in the production process so as to reduce production costs and produce products at a low cost and affordable in the market. Many factors can affect the employee performance in the company, such as compensation, job satisfaction and motivation factors. Therefore, this research is conducted to determine the effect of compensation, job satisfaction and motivation on the employee performance at PT Laut Timur Utama, Aru Islands whether partial or simultaneous. The approach used in this research is quantitative with 40 respondents. In addition, the analysis model used is Multiple Linear Regression to determine the effect of independent variable on the dependent variable. Based on the results of the research, it indicates that compensation, job satisfaction and motivation have a significant effect both partially and simultaneously on employee performance of PT Laut Timur Utama, Aru Islands.","PeriodicalId":45394,"journal":{"name":"Journal of Entrepreneurship","volume":"234 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135608149","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}

引用次数: 0