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Penggunaan Qris Sebagai Sistem Cashless Dalam Meningkatkan Efisiensi Transaksi Umkm di UPN “Veteran” Jawa Timur 在东爪哇 "老兵 "UPN 使用 Qris 作为无现金系统提高 Umkm 交易效率
Pub Date : 2023-12-12 DOI: 10.59024/jumek.v2i1.285
Arief Bachtiar, Mohhammad Wesla Dhifayana Sukirman, Natasha Claudia Ambarita, Diva Delia Rossa Nicolas, Vinda Cendrawati, Wardah Fadiah Salsabila
The era of the digital economy, known as the fourth industrial revolution, has brought significant technological advances, especially in the field of digital payment systems. Although this system has advantages and disadvantages, this system is generally superior to other payment systems. It is importat to note that the presence of a digital payment system does not mean eliminating physical cash. Carrying out research regarding the use of QRIS for MSMEs in the UPN “Veteran” East Jawa canteen uses a quantitative apporach to collect and analyze data related to the efficiency of MSME transactions in the UPN Veteran East Jawa canteen using QRIS as an electronic payment method. The sample for this research was taken randomly from MSMEs in the UPN “Veteran” East Jawa canteen. Directly from the knowledge of business actors to the obstacles faced, this discussion chapter discusses in detail the key findings that emerged during the research process.1. business Actors’ Knowledge of Qris. 2. Benefits of QRIS for Business Actors. 3. Barriers to Business Actors in Using QRIS. 4. Practical Implications and Recomendations. 5.Ease and Speed of Transactions. 6. Cheaper Transaction Fees. 7. Improved Transaction Records. 8. Inflation Control and Monitoring of Goods Prices
被称为第四次工业革命的数字经济时代带来了重大的技术进步,尤其是在数字支付系统领域。尽管这一系统有利有弊,但总体而言,它优于其他支付系统。值得注意的是,数字支付系统的出现并不意味着取消了实物现金。关于在 UPN "Veteran"(东爪哇)食堂中小微企业使用 QRIS 的研究采用定量方法,收集和分析在 UPN "Veteran"(东爪哇)食堂中小微企业使用 QRIS 作为电子支付方式的交易效率的相关数据。研究样本从 UPN "老兵 "东茶瓦食堂的中小微企业中随机抽取。从企业参与者的知识到面临的障碍,本讨论章节详细讨论了研究过程中出现的主要发现。2.企业行为者对 QRIS 的了解。3.企业行为者使用 QRIS 的障碍。4.实际影响和建议。5.交易的便利性和速度。6.更低廉的交易费用。7.改进交易记录。8.控制通货膨胀和监测商品价格
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引用次数: 0
Perkembangan Teknologi E-Business Terhadap Globalisasi Modern Pada Saat Ini 当今电子商务技术向现代全球化的发展
Pub Date : 2023-12-11 DOI: 10.59024/jumek.v2i1.284
Embun Febryanti Panggabean, Hesty Ananta Yunas, Taufiqurrahman Taufiqurrahman, Nurbaiti Nurbaiti
Current technological advances reflect significant changes from the previous technological era to the present. Especially, internet development has become a trend among local and international communities. For example, e-business is in the spotlight because it makes things easier and gives business entities a lighter burden, especially for those who have the ambition to achieve success. E-business not only increases marketing networks, but also increases employee productivity within the company. Information technology provides the ability to initiate business creativity and innovation quickly and efficiently. It is important for businesses to see new opportunities amidst continued development, with the key to success returning to motivation and innovation, thereby creating technology that is always up to date.
当前的技术进步反映了从上一个技术时代到现在的重大变化。特别是,互联网发展已成为本地和国际社会的一种趋势。例如,电子商务之所以备受关注,是因为它使事情变得更加简单,减轻了企业实体的负担,尤其是那些有志于取得成功的企业实体。电子商务不仅增加了营销网络,还提高了公司内部员工的生产力。信息技术提供了快速、高效地启动业务创意和创新的能力。企业必须在不断发展中看到新的机遇,成功的关键在于激励和创新,从而创造出与时俱进的技术。
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引用次数: 0
Analysis Of Financial Distress In The Covid 19 Pandemic Era Covid 19 大流行时期的财务困境分析
Pub Date : 2023-12-11 DOI: 10.59024/jumek.v2i1.282
Vania Noventilia Mangelep, N. F. Wuryaningrat, F. Sumual
This research aims to find out (1) find out whether there are differences in scores between the Altman, Springate, Zmijeski, and Grover models in predicting Financial Distress, (2) find out which companies remain healthy (green area) or do not experience Financial Distress and which companies which ones are unhealthy (red are) or experiencing Financial Distress. This research uses data from company financial reports with Special Notifications published on the Indonesia Stock Exchange website for 2020-2021. The sampling technique used purposive samples to obtain 10 companies that could be used as research. The results of this research show that the Altman model and the Grover model have the same score, namely an accuracy level of 40% and an error type of 20%, followed by the Zmijewski model with an accuracy rate of 30% and an error type of 30% and the Springate model an accuracy rate of 10% and an error type of 30%.
本研究旨在发现:(1)Altman、Springate、Zmijeski 和 Grover 模型在预测财务困境方面的得分是否存在差异;(2)哪些公司保持健康(绿色区域)或未出现财务困境,哪些公司不健康(红色区域)或出现财务困境。本研究使用的数据来自印度尼西亚证券交易所网站上发布的公司财务报告和 2020-2021 年特别通知。抽样技术采用目的性抽样,以获得 10 家可用作研究的公司。研究结果表明,Altman 模型和 Grover 模型得分相同,即准确率为 40%,误差类型为 20%;Zmijewski 模型的准确率为 30%,误差类型为 30%;Springate 模型的准确率为 10%,误差类型为 30%。
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引用次数: 0
Analisis Modal Kerja Pada PT. Kawasan Industri Makassar (Persero) Tahun 2019-2021 2019-2021年PT Makassar Industrial Estate(Persero)营运资金分析
Pub Date : 2023-12-11 DOI: 10.59024/jumek.v2i1.283
Anggi Astika, Sabirin Iskandar, Nurmega Nurmega
This research aims to find out whether the working capital ratio is able to measure the financial performance of PT Kima in 2019-2021. The object of this research is PT KIMA. The data used is primary data. The sample in this research is PT KIMA's financial report for the 2019-2021 period. The results of this research show that the calculation of financial data using activity ratio analysis, profitability ratios (Return On Assets), solvency and profitability ratios, the company's working capital at PT. company to pay dividend payout ratio (DPR) to shareholders. Meanwhile, the profitability ratio (Net Profit Margin) can be said to be good because the net profit value obtained from sales, which includes production costs, will increase profits for the company.
本研究旨在了解营运资本比率是否能够衡量 PT Kima 公司 2019-2021 年的财务业绩。本研究的对象是 PT KIMA。使用的数据为原始数据。研究样本为 PT KIMA 2019-2021 年的财务报告。本研究结果显示,利用活动比率分析法计算财务数据,盈利比率(资产回报率)、偿债能力和盈利能力比率、公司在PT.的营运资本、公司向股东支付股利的派息率(DPR)。同时,盈利比率(净利润率)可以说是良好的,因为从销售中获得的净利润值(包括生产成本)将增加公司的利润。
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引用次数: 0
Analisis Fundamental Saham Saat dan Setelah Covid-19 Pada PT Jasa Marga Tbk PT Jasa Marga Tbk Covid-19 期间和之后的股票基本面分析
Pub Date : 2023-12-10 DOI: 10.59024/jumek.v2i1.281
Hanifah Restu Putri, Yenni Samri Juliati Nasution
This research is based on the impact of the Covid-19 pandemic by looking at the ratio in the first year and the second year this pandemic hit, namely in 2020 and 2021. In the first year Covid-19 spread and paralyzed all crowd and face-to-face access, making toll roads even worse. little to use, after that in 2021, to be precise in the second year, the new normal edition was carried out to start improving life as before. This research is data-based or quantitative which shows results in the form of ratios. The ratios obtained are based on fundamental analysis using profitability ratios, namely ROA, ROE, PER and EPS with each existing formula. The ratios obtained in this research show that PT Jasa Marga Tbk has survived in the second year of the new normal era and achieved three ratios that increased from the previous year, even though in the first year the pandemic was affected by Covid-19.
本研究以 Covid-19 大流行的影响为基础,研究了该大流行第一年和第二年(即 2020 年和 2021 年)的比例。在第一年,Covid-19 传播并瘫痪了所有人群和面对面的通道,使收费公路变得更加糟糕。这项研究以数据为基础,或者说以定量为基础,以比率的形式显示结果。所获得的比率基于基本分析,使用盈利比率,即 ROA、ROE、PER 和 EPS,每种现有公式。本研究获得的比率表明,尽管在第一年受到 Covid-19 大流行病的影响,PT Jasa Marga Tbk 公司在新常态时代的第二年仍然存活下来,并实现了三个比率较前一年的增长。
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引用次数: 0
Determinan Tingkat Kemiskinan Di Provinsi Sumatera Utara 北苏门答腊省贫困水平的决定因素
Pub Date : 2023-12-08 DOI: 10.59024/jumek.v2i1.280
Sajida Miftah, Arsita Arsita, Farah Rizkidina, Asnidar Asnidar, Ahmad ridha
North Sumatra Province consists of 25 districts, 8 cities, 325 sub-districts and 5456 sub-districts/villages. The poverty rate is still high in several districts, which in 2006-2022 still have poverty rates above the average poverty rate. Poverty is a serious problem because it is related to human welfare. Therefore, further research is needed regarding the factors that influence poverty. The aim of this research is to determine the effect of economic growth, unemployment, the Human Development Index and the Gini index on poverty levels in the province of North Sumatra. This data analysis uses secondary data via the Central Statistics Agency website with the help of Eviews 12 in 25 districts of North Sumatra province in 2006-2022. The data analysis technique in this research uses multiple linear regression analysis
北苏门答腊省由 25 个区、8 个市、325 个县和 5456 个乡/村组成。一些县的贫困率仍然很高,2006-2022 年,这些县的贫困率仍高于平均贫困率。贫困是一个严重的问题,因为它关系到人类的福祉。因此,需要进一步研究影响贫困的因素。本研究旨在确定经济增长、失业率、人类发展指数和基尼指数对北苏门答腊省贫困水平的影响。在 Eviews 12 的帮助下,本数据分析使用了中央统计局网站提供的 2006-2022 年北苏门答腊省 25 个县的二手数据。本研究的数据分析技术采用多元线性回归分析法
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引用次数: 0
Implementasi Fungsi Uang Pada Sistem Perekonomian Dalam Novel Negeri Para Bedebah Karya Tere Liye Tere Liye 的小说《Negeri Para Bedebah》中货币在经济体系中职能的实现
Pub Date : 2023-12-05 DOI: 10.59024/jumek.v2i1.279
Rahayu Indah Anggraeni, Dini Astri Wijayanti, Eva Dwi Kurniawan
This research aims to describe the function of money in the world economy using the novel Negeri Para Bedebah by Tere Liye. The research method used in studying the novel Negeri Para Bedebah is a qualitative descriptive method, this method contains quotes from the novel which can provide an overview of the presentation of research results. The theory used in this research is based on the Function of Money theory (Gilarso: 2004). The object of this research is the function of money in the world economy in the novel Negeri Para Bedebah by Tere Liye. The results of the research show that there are 5 functions of money, namely money as a means of exchange (means of payment), money as a unit of account or measure of value (account unit), money as a means of payment (means of payment), money as a means of storing wealth (store of value),  money as a driver of economic activity.
本研究旨在利用 Tere Liye 的小说《Negeri Para Bedebah》描述货币在世界经济中的作用。研究小说《Negeri Para Bedebah》所采用的研究方法是定性描述法,这种方法包含小说中的引文,可以为研究成果的呈现提供一个概览。本研究使用的理论基于货币功能理论(Gilarso: 2004)。本研究的对象是 Tere Liye 所著小说《Negeri Para Bedebah》中货币在世界经济中的功能。研究结果表明,货币有 5 种功能,即货币作为交换手段(支付手段)、货币作为记账单位或价值尺度(记账单位)、货币作为支付手段(支付手段)、货币作为储存财富的手段(价值储存)、货币作为经济活动的驱动力。
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引用次数: 0
Pengaruh Variasi Produk, Suasana Cafe, Social Media Marketing, Dan Metode Pembayaran Terhadap Peningkatan Penjualan 产品种类、咖啡馆氛围、社交媒体营销和付款方式对销售额增长的影响
Pub Date : 2023-12-04 DOI: 10.59024/jumek.v2i1.278
Yulianna Regina Ratnasari, Ira Setiawati, Noni Setyorini
This research aims to determine the influence of product variations, café atmosphere, social media marketing, and payment methods on increasing sales (case study of a coffee shop in Blora district in 2022). The type of research used is quantitative (primary) research. In this research, the total sample was 161 people consisting of employees and owners, obtained using probability sampling methods. Sample data was obtained from a questionnaire. The data analysis technique used is quantitative methods. This research was processed using IBM SPSS 25 software. The results of this research are based on partial tests with the T Test and show that (1) product variations do not have a negative influence on increasing sales, (2) the café atmosphere has a positive influence on increasing sales, (3) ) social media marketing does not have a positive influence on increasing sales, (4) payment methods have a positive influence on increasing sales. Based on a simultaneous test with the F Test, it is stated that product variations, café atmosphere, social media marketing, and payment methods simultaneously influence increasing sales.
本研究旨在确定产品变化、咖啡馆氛围、社交媒体营销和支付方式对提高销售额的影响(对 2022 年布洛拉区一家咖啡店的案例研究)。采用的研究类型是定量(初级)研究。在本研究中,采用概率抽样法获得了由员工和店主组成的 161 个样本。样本数据通过问卷调查获得。使用的数据分析技术是定量方法。本研究使用 IBM SPSS 25 软件进行处理。研究结果基于 T 检验的部分检验,结果表明:(1) 产品差异对增加销售额没有负面影响;(2) 咖啡厅氛围对增加销售额有积极影响;(3) 社交媒体营销对增加销售额没有积极影响;(4) 支付方式对增加销售额有积极影响。基于 F 检验的同时检验,可以得出产品变化、咖啡馆氛围、社交媒体营销和支付方式同时影响销售额的增长。
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引用次数: 0
Determinan Pendapatan Pedagang Pasar Tradisional Di Kota Palangka Raya 巴兰卡市传统市场商贩收入的决定因素
Pub Date : 2023-11-29 DOI: 10.59024/jumek.v2i1.277
Herman Fland Dakhi, Kezia Tamba, Ristauli Siregar, Arum Widiyasyar, Joel Manurung, Suherman Suherman
This study was conducted with the aim of understanding the elements that influence the income of traditional market traders in Palangka Raya City. The method used in this research is a quantitative method using surveys as a tool for collecting information. The participants in this research are people who work as traders in traditional markets in Palangka Raya City. Research reveals that the income of traditional market traders in Palangka Raya City is influenced by several factors, including market location, type of product sold, and the amount of capital they own. Apart from that, research also reveals that these factors have a strong influence on the income of traders in traditional markets in Palangka Raya City.
本研究旨在了解影响巴兰卡拉雅市传统市场商贩收入的因素。本研究采用定量方法,以调查作为收集信息的工具。本研究的参与者为巴兰卡拉雅市传统市场的商贩。研究显示,巴兰卡拉亚市传统市场商贩的收入受多种因素影响,包括市场位置、销售产品类型和拥有的资本数额。此外,研究还显示,这些因素对巴兰卡拉雅市传统市场商贩的收入有很大影响。
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引用次数: 0
Analisis Dampak Bahasa Gaul pada Mahasiswa Ilmu Ekonomi B Unimed Terhadap Bahasa Indonesia Masa Kini 分析经济学 B 级本科生用语中的俚语对当代印尼语的影响
Pub Date : 2023-11-28 DOI: 10.59024/jumek.v2i1.276
Angelina Rolas, Olivia H Naibaho, Joan Agus Sirait, Raymond Panuturi Siboro, F. Lubis, Fakultas Ekonomi, Universitas Negeri Medan
The research at Universitas Negeri Medan focuses Use of slang between students in the Economics class of 2022, utilizing a survey method. The results reveal significant impacts of slang, both positive and negative, particularly concerning the proper use of the Indonesian language. Factors such as popular culture and globalization contribute to these effects, with the negative impact manifesting as a decline in overall proficiency in the Indonesian language. This study elucidates student perspectives, emphasizing the need to raise their awareness of it importance of using Indonesian properly. Recommendations include concrete steps, such as broadcasting pride demonstrations in Indonesian on social media, to strengthen the use of formal language and prevent the lossof Indonesian.
这项在棉兰大学进行的研究采用调查方法,重点关注 2022 级经济学专业学生之间俚语的使用情况。研究结果表明,俚语有积极和消极两方面的重大影响,尤其是在正确使用印尼语方面。流行文化和全球化等因素造成了这些影响,而负面影响则表现为印尼语整体水平的下降。本研究阐明了学生的观点,强调有必要提高他们对正确使用印尼语重要性的认识。建议包括采取具体措施,如在社交媒体上用印尼语广播自豪示威活动,以加强正式语言的使用,防止印尼语的丧失。
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引用次数: 0
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Jurnal Manajemen dan Ekonomi Kreatif
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