Pub Date : 2023-05-07DOI: 10.21831/jump.v4i1.45906
Agustinus Nong Masri, Achmad Supriyanto, Ahmad Yusuf Sobri
Sarana dan prasarana pendidikan merupakan salah satu substansi dalam manajemenpendidikan yang sangat urgen dan wajib dimiliki dalam sebuah satuan pendidikan. Tanpa adanya sarana dan prasarana, suatu kegiatan pembelajaran tidak akan berjalan dengan baik dan akan menemui berbagai kendala. Sekolah Menengah Kejuruan Kejuruan (SMK) sebagai salah satu satuan pendidikan yang memiliki visi untuk menghasilkan lulusan-lulusan yang siap bersaing dalam pasar kerja tentu harus memiliki sarana dan prasarana yang memadai. Sarana dan prasarana SMK ini dibutuhkan untuk menunjang kegiatan belajar siswa. Pemerintah mengeluarkan Peraturan Pemerintah Nomor 57 Tahun 2021 tentang Standar Nasional Pendidikan pasal 25 secara khusus berbicara tentang Sarana dan Prasarana Pendidikan. Detil standardisasi sarana dan prasarana pendidikan di SMK/MAK dimuat dalam Permendiknas Nomor 40 Tahun 2008. Tujuan penelitian ini adalah menganalisis standar sarana dan prasarana pendidikan di SMK Syuradikara Ende. Metode yang digunakan dalam penelitian ini adalah deskriptif kuantitatif. Teknik pengumpulan data menggunakan analisis data sekunder. Hasil penelitian menunjukkan bahwa ketersediaan sarana dan prasarana di SMK Syuradikara belum sepenuhnya mencapai standar sarana dan prasarana pendidikan yang telah ditetapkan dalam Permendiknas Nomor 40 Tahun 2008. Hal ini dikarenakan masih ada ruangan-ruangan yang belum dibuat dan dibenahi dengan sarana dan prasarana antara lain: ruang kepala sekolah, ruang tata usaha, lab komputer, ruang kurikulum, ruang BK, ruang kesiswaan, ruang guru, ruang OSIS, gudang, kantin, tempat parkir, dan ruang praktik.
{"title":"Analisis Standar Sarana dan Prasarana Sekolah Menengah Kejuruan untuk Menunjang Kegiatan Belajar Siswa","authors":"Agustinus Nong Masri, Achmad Supriyanto, Ahmad Yusuf Sobri","doi":"10.21831/jump.v4i1.45906","DOIUrl":"https://doi.org/10.21831/jump.v4i1.45906","url":null,"abstract":"Sarana dan prasarana pendidikan merupakan salah satu substansi dalam manajemenpendidikan yang sangat urgen dan wajib dimiliki dalam sebuah satuan pendidikan. Tanpa adanya sarana dan prasarana, suatu kegiatan pembelajaran tidak akan berjalan dengan baik dan akan menemui berbagai kendala. Sekolah Menengah Kejuruan Kejuruan (SMK) sebagai salah satu satuan pendidikan yang memiliki visi untuk menghasilkan lulusan-lulusan yang siap bersaing dalam pasar kerja tentu harus memiliki sarana dan prasarana yang memadai. Sarana dan prasarana SMK ini dibutuhkan untuk menunjang kegiatan belajar siswa. Pemerintah mengeluarkan Peraturan Pemerintah Nomor 57 Tahun 2021 tentang Standar Nasional Pendidikan pasal 25 secara khusus berbicara tentang Sarana dan Prasarana Pendidikan. Detil standardisasi sarana dan prasarana pendidikan di SMK/MAK dimuat dalam Permendiknas Nomor 40 Tahun 2008. Tujuan penelitian ini adalah menganalisis standar sarana dan prasarana pendidikan di SMK Syuradikara Ende. Metode yang digunakan dalam penelitian ini adalah deskriptif kuantitatif. Teknik pengumpulan data menggunakan analisis data sekunder. Hasil penelitian menunjukkan bahwa ketersediaan sarana dan prasarana di SMK Syuradikara belum sepenuhnya mencapai standar sarana dan prasarana pendidikan yang telah ditetapkan dalam Permendiknas Nomor 40 Tahun 2008. Hal ini dikarenakan masih ada ruangan-ruangan yang belum dibuat dan dibenahi dengan sarana dan prasarana antara lain: ruang kepala sekolah, ruang tata usaha, lab komputer, ruang kurikulum, ruang BK, ruang kesiswaan, ruang guru, ruang OSIS, gudang, kantin, tempat parkir, dan ruang praktik.","PeriodicalId":32329,"journal":{"name":"JPBM Jurnal Pendidikan Bisnis dan Manajemen","volume":"107 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135962511","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}
Pub Date : 2023-05-07DOI: 10.21831/jump.v4i1.59897
Nadya Zilan Maulida, Nanda Dwi Rohmah
Dalam dunia modern sekolah unggulan merupakan acuan pendidikan yang banyak dipandang mempunyai mutu paling baik. Pada penelitian ini, SD Birrul Walidain Muhammadiyah Sragen merupakan salah satu sekolah unggulan berbasis islam yang ada di lingkungan masyarakat. Metode yang digunakan adalah metode kualitatif deskriptif dengan pendekatan case study research (penelitian studi kasus) untuk mengetahui secara rinci proses manajemen strategis yang dilakukan oleh SD Birrul Walidain Muhammadiyah Sragen. Pengambilan data dilakukan dengan cara observasi, wawancara, dan dokumentasi dengan responden kepala sekolah, guru, dan tenaga kependidikan. Hasil dari penelitian ini adalah 1) sekolah mampu mengembangkan dan mempertahankan kualitas melalui program unggulan, 2) sekolah merencanakan visi, misi, dan tujuan berdasarkan pada rapat RPS tiap semester atau ajaran baru, 3) sekolah menggunakan analisis SWOT untuk mengetahui kekuatan, kelemahan, tantangan, dan ancaman, 4) prestasi dan kegiatan ekstrakurikuler sekolah adalah hasil dari keberhasilan sekolah dalam merumuskan visi, misi, dan tujuan sekolah dengan baik dan benar. Manajemen strategis yang digunakan oleh sekolah terbukti memberikan dampak baik untuk peningkatan prestasi siswa, sehingga sekolah mampu bersaing dengan kompetitor terdekat.
{"title":"Manajemen Strategis Sekolah Unggulan Berbasis Islam di Sekolah Dasar","authors":"Nadya Zilan Maulida, Nanda Dwi Rohmah","doi":"10.21831/jump.v4i1.59897","DOIUrl":"https://doi.org/10.21831/jump.v4i1.59897","url":null,"abstract":"Dalam dunia modern sekolah unggulan merupakan acuan pendidikan yang banyak dipandang mempunyai mutu paling baik. Pada penelitian ini, SD Birrul Walidain Muhammadiyah Sragen merupakan salah satu sekolah unggulan berbasis islam yang ada di lingkungan masyarakat. Metode yang digunakan adalah metode kualitatif deskriptif dengan pendekatan case study research (penelitian studi kasus) untuk mengetahui secara rinci proses manajemen strategis yang dilakukan oleh SD Birrul Walidain Muhammadiyah Sragen. Pengambilan data dilakukan dengan cara observasi, wawancara, dan dokumentasi dengan responden kepala sekolah, guru, dan tenaga kependidikan. Hasil dari penelitian ini adalah 1) sekolah mampu mengembangkan dan mempertahankan kualitas melalui program unggulan, 2) sekolah merencanakan visi, misi, dan tujuan berdasarkan pada rapat RPS tiap semester atau ajaran baru, 3) sekolah menggunakan analisis SWOT untuk mengetahui kekuatan, kelemahan, tantangan, dan ancaman, 4) prestasi dan kegiatan ekstrakurikuler sekolah adalah hasil dari keberhasilan sekolah dalam merumuskan visi, misi, dan tujuan sekolah dengan baik dan benar. Manajemen strategis yang digunakan oleh sekolah terbukti memberikan dampak baik untuk peningkatan prestasi siswa, sehingga sekolah mampu bersaing dengan kompetitor terdekat.","PeriodicalId":32329,"journal":{"name":"JPBM Jurnal Pendidikan Bisnis dan Manajemen","volume":"60 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135962514","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}
Diterima 06 Februari, 2023 Direvisi 22 Februari, 2023 Diterbitkan 30 April , 2023 Lazada is an e-commerce with fewer visitors compared to other ecommerce. Several relevant research results show that there are still inconsistencies in research results, one of them is the influence of service quality on purchasing decisions, which in some previous studies has shown different levels of significant effects. This study aims to determine the effect of e-Promotion, service quality, ease of shopping, and e-WOM on purchasing decisions through consumer behavior. The research method uses associative quantitative methods, with causal techniques. The sampling technique was purposive sampling, and data analysis was carried out both descriptively and inferentially. Analysis approach with SEM-PLS, using Smart PLS 3.0. The results of the study prove that the exogenous variables e-Promotion, convenience, and consumer behavior have a direct significant effect on purchasing decisions, while service quality, and e-WOM do not have a direct effect on purchasing decisions. As for e-Promotion, service quality, convenience, and e-WOM have a direct significant effect on consumer behavior. The e-Promotion variables, service quality, convenience, and e-WOM, have a significant indirect effect on purchasing decisions, through consumer behavior as a mediating variable. Based on the research, Lazada should continuously improve its e-promotion, enhance its e-commerce application, and provide a communication space for customers to provide feedback on their shopping experience at the Lazada marketplace. Keyword:
{"title":"Pengaruh e-Promotion, Pelayanan, Kemudahan, e-WOM Terhadap Keputusan Pembelian, melalui Perilaku Konsumen pada Marketplace Lazada","authors":"Sugeng Lubar Prastowo, Ernie Mardiany Djaenudin, Nurul Vivi Apiyanti","doi":"10.31294/eco.v7i1.15241","DOIUrl":"https://doi.org/10.31294/eco.v7i1.15241","url":null,"abstract":"Diterima 06 Februari, 2023 Direvisi 22 Februari, 2023 Diterbitkan 30 April , 2023 Lazada is an e-commerce with fewer visitors compared to other ecommerce. Several relevant research results show that there are still inconsistencies in research results, one of them is the influence of service quality on purchasing decisions, which in some previous studies has shown different levels of significant effects. This study aims to determine the effect of e-Promotion, service quality, ease of shopping, and e-WOM on purchasing decisions through consumer behavior. The research method uses associative quantitative methods, with causal techniques. The sampling technique was purposive sampling, and data analysis was carried out both descriptively and inferentially. Analysis approach with SEM-PLS, using Smart PLS 3.0. The results of the study prove that the exogenous variables e-Promotion, convenience, and consumer behavior have a direct significant effect on purchasing decisions, while service quality, and e-WOM do not have a direct effect on purchasing decisions. As for e-Promotion, service quality, convenience, and e-WOM have a direct significant effect on consumer behavior. The e-Promotion variables, service quality, convenience, and e-WOM, have a significant indirect effect on purchasing decisions, through consumer behavior as a mediating variable. Based on the research, Lazada should continuously improve its e-promotion, enhance its e-commerce application, and provide a communication space for customers to provide feedback on their shopping experience at the Lazada marketplace. Keyword:","PeriodicalId":32329,"journal":{"name":"JPBM Jurnal Pendidikan Bisnis dan Manajemen","volume":"93 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-05-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"91377167","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}
This study aims to ascertain the effect that applying job expansion has on employee engagement. Purposive sampling was employed in the research at PT. Bank Aceh Syariah Medan Region, resulting in a sample size of 346 respondents. Multiple linear regression analysis is the method utilized for analysis. The findings indicated that employee engagement was impacted by employment expansion. The results of the t-test, which had a significance level of 0.000 but a lower threshold of 0.05 (0.000<0.05), clearly demonstrated this. Additionally, the results of the test for the coefficient of determination reveal that an increase in employee engagement has a 28% positive impact on job size, with the remaining 72% being influenced by other factors. A tough work expanding inspires sentiments of significance. High engagement results from self-meaning that develops as a result of task design that is in line with objectives and self-values. Additionally, work arrangements that encourage employees to create meaning in their work result in higher levels of engagement than those that downplay the significance of meaningful work in employees' lives.
{"title":"The Impact of Profit and Cash Flow on Financial Distress Conditions in Hotel, Restaurant, and Tourism Sub-Sector Companies Listed on The Indonesia Stock Exchange","authors":"U. Nasution","doi":"10.31294/eco.v7i1.15071","DOIUrl":"https://doi.org/10.31294/eco.v7i1.15071","url":null,"abstract":"This study aims to ascertain the effect that applying job expansion has on employee engagement. Purposive sampling was employed in the research at PT. Bank Aceh Syariah Medan Region, resulting in a sample size of 346 respondents. Multiple linear regression analysis is the method utilized for analysis. The findings indicated that employee engagement was impacted by employment expansion. The results of the t-test, which had a significance level of 0.000 but a lower threshold of 0.05 (0.000<0.05), clearly demonstrated this. Additionally, the results of the test for the coefficient of determination reveal that an increase in employee engagement has a 28% positive impact on job size, with the remaining 72% being influenced by other factors. A tough work expanding inspires sentiments of significance. High engagement results from self-meaning that develops as a result of task design that is in line with objectives and self-values. Additionally, work arrangements that encourage employees to create meaning in their work result in higher levels of engagement than those that downplay the significance of meaningful work in employees' lives.","PeriodicalId":32329,"journal":{"name":"JPBM Jurnal Pendidikan Bisnis dan Manajemen","volume":"2 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-05-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"91394466","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":"Voice Behavior: A Systematic Literature Review – A Model of Antecedents and Outcomes","authors":"Dhea Rahma Salsabila, A. Eliyana, A. R. Sridadi","doi":"10.31294/eco.v7i1.14617","DOIUrl":"https://doi.org/10.31294/eco.v7i1.14617","url":null,"abstract":"ABSTRACT","PeriodicalId":32329,"journal":{"name":"JPBM Jurnal Pendidikan Bisnis dan Manajemen","volume":"51 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-05-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89896938","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}
J. Juanda, S. Hartuti, R. Khathir, Raida Agustina, Ahlillah Ahlillah
ABSTRACT
摘要
{"title":"Optimization of Chocolate Drink Production at MSMEs Grah Indonesia using The Simplex Method","authors":"J. Juanda, S. Hartuti, R. Khathir, Raida Agustina, Ahlillah Ahlillah","doi":"10.31294/eco.v7i1.15239","DOIUrl":"https://doi.org/10.31294/eco.v7i1.15239","url":null,"abstract":"ABSTRACT","PeriodicalId":32329,"journal":{"name":"JPBM Jurnal Pendidikan Bisnis dan Manajemen","volume":"97 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-05-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"85232259","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":"Analisis Dampak Service Quality terhadap Customer Trust, Customer Satisfaction dan Customer Loyalty Bus Transjakarta","authors":"Noni Anche Natalia Fransisca, Y. Yenita","doi":"10.31294/eco.v7i1.15173","DOIUrl":"https://doi.org/10.31294/eco.v7i1.15173","url":null,"abstract":"ABSTRACT","PeriodicalId":32329,"journal":{"name":"JPBM Jurnal Pendidikan Bisnis dan Manajemen","volume":"80 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-05-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"84097322","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}
Human resource accounting has emerged as a result of accounting standards' failure to give management and investors pertinent information. This study aims to compare PT. Bank Syariah Indonesia Tbk's financial performance ratio (profitability ratio) before and after the adoption of human resource accounting. The research method used is descriptive experimental research method. The data used is the company's annual report data for 2020 and 2021. Furthermore, the data is calculated using historical cost data analysis techniques and profitability ratios. The findings from this study indicate an increase in total assets and total equity in the statement of financial position after simulating the application of human resource accounting. This is due to the total value of the net human resource investment that occurs in each year of the existing implementation simulation statement of financial position, so that a new human resource asset account appears in the asset position and retained earnings adjustment in the equity position. While the results of a comparative analysis of financial ratios using return on assets, return on equity, asset utilization, equity multiplier and profit margin show a decline in 2021 but the numbers are relatively small. In future research it is expected to add years of research and add other financial ratios so that the results obtained are even better.
人力资源会计是会计准则未能向管理层和投资者提供相关信息的结果。本研究旨在比较PT. Bank ysariah Indonesia Tbk在采用人力资源会计前后的财务绩效比率(盈利能力比率)。研究方法采用描述性实验研究方法。使用的数据是该公司2020年和2021年的年度报告数据。此外，数据是使用历史成本数据分析技术和盈利能力比率计算的。本研究的结果表明，在模拟人力资源会计的应用后，财务状况表中的总资产和总权益增加。这是由于在现有的财务状况实施模拟报表中，每年发生的人力资源投资净值的总额，使得资产状况中出现了新的人力资源资产账户，权益状况中出现了留存收益调整。虽然使用资产收益率、净资产收益率、资产利用率、权益乘数和利润率对财务比率进行比较分析的结果显示，2021年出现下降，但数字相对较小。在未来的研究中，预计将增加多年的研究，并增加其他财务比率，以获得更好的结果。
{"title":"Comparative Analysis of the Implementation of HR Accounting on Financial Performance at PT. Bank Syariah Indonesia Tbk","authors":"Listya Devi Junaidi, S. Mulyani","doi":"10.31294/eco.v7i1.15162","DOIUrl":"https://doi.org/10.31294/eco.v7i1.15162","url":null,"abstract":"Human resource accounting has emerged as a result of accounting standards' failure to give management and investors pertinent information. This study aims to compare PT. Bank Syariah Indonesia Tbk's financial performance ratio (profitability ratio) before and after the adoption of human resource accounting. The research method used is descriptive experimental research method. The data used is the company's annual report data for 2020 and 2021. Furthermore, the data is calculated using historical cost data analysis techniques and profitability ratios. The findings from this study indicate an increase in total assets and total equity in the statement of financial position after simulating the application of human resource accounting. This is due to the total value of the net human resource investment that occurs in each year of the existing implementation simulation statement of financial position, so that a new human resource asset account appears in the asset position and retained earnings adjustment in the equity position. While the results of a comparative analysis of financial ratios using return on assets, return on equity, asset utilization, equity multiplier and profit margin show a decline in 2021 but the numbers are relatively small. In future research it is expected to add years of research and add other financial ratios so that the results obtained are even better.","PeriodicalId":32329,"journal":{"name":"JPBM Jurnal Pendidikan Bisnis dan Manajemen","volume":"66 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-04-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79535843","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}
Fiscal decentralization as a product form of political economy policy is a determinant of a country's economic growth. However, the implementation of these policies is considered vulnerable due to a lack of transparency and accountability, so that abuse of authority at the local government level often occurs which causes moral hazard and triggers fiscal policy inefficiencies. We describe the search related to fiscal decentralization through this research and how the potential for moral hazard can occur in Indonesia. This type of research is a literature study using a descriptive qualitative approach. The data collected is in the form of results from literature reviews, journals, books, newspapers, and documentation that are considered relevant. After reviewing, criticizing, and synthesizing representative literature in such a way, we are able to find several facts indicating that fiscal decentralization can be a solution to overcome economic inequality, on the other hand it can also be utilized by various parties for personal gain. With various polarizations built by the authorities, moral hazard has the potential to occur at any time.
{"title":"Understand Fiscal Decentralization and the Potential Moral Hazard in Indonesia","authors":"Ahmad Fadhil Imran, Basri Bado, Hafid Sumarwadji","doi":"10.31294/eco.v7i1.15100","DOIUrl":"https://doi.org/10.31294/eco.v7i1.15100","url":null,"abstract":"Fiscal decentralization as a product form of political economy policy is a determinant of a country's economic growth. However, the implementation of these policies is considered vulnerable due to a lack of transparency and accountability, so that abuse of authority at the local government level often occurs which causes moral hazard and triggers fiscal policy inefficiencies. We describe the search related to fiscal decentralization through this research and how the potential for moral hazard can occur in Indonesia. This type of research is a literature study using a descriptive qualitative approach. The data collected is in the form of results from literature reviews, journals, books, newspapers, and documentation that are considered relevant. After reviewing, criticizing, and synthesizing representative literature in such a way, we are able to find several facts indicating that fiscal decentralization can be a solution to overcome economic inequality, on the other hand it can also be utilized by various parties for personal gain. With various polarizations built by the authorities, moral hazard has the potential to occur at any time.","PeriodicalId":32329,"journal":{"name":"JPBM Jurnal Pendidikan Bisnis dan Manajemen","volume":"3 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-04-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"72734581","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":"Perencanaan Keuangan Pribadi dalam Persiapan Menghadapi Ancaman Resesi Ekonomi 2023","authors":"Tio Prasetio, Reni Hariyani","doi":"10.31294/eco.v7i1.14849","DOIUrl":"https://doi.org/10.31294/eco.v7i1.14849","url":null,"abstract":"","PeriodicalId":32329,"journal":{"name":"JPBM Jurnal Pendidikan Bisnis dan Manajemen","volume":"136 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-04-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80542541","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}
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