Mount Hope Economic Global Journal

ANALISIS PENERAPAN AKAD MURABAHAH PADA PEMBIAYAAN KREDIT USAHA RAKYAT (KUR) DI BANK SYARIAH INDONESIA KC PATI SUDIRMAN

Riska Istiyani — 2025-05-17

This study aims to determine how the implementation of the murabahah contract in KUR financing at BSI KC Pati Sudirman. This study uses a qualitative approach by conducting a comprehensive data analysis on a problem. The sources of this study are primary data and secondary data obtained from interviews, observations, and documentation. The results of the study that have been conducted indicate that the implementation of the murabahah contract in KUR financing at BSI KC Pati Sudirman is carried out with two contracts, namely the wakalah contract first, after carrying out the wakalah contract then carrying out the murabahah contract. This study shows that the implementation of KUR financing through the murabahah contract at Bank Syariah KC Pati Sudirman is in accordance with the DSN MUI Fatwa No. 04 / DSN-MUI / IV / 2000 concerning the Murabahah Contract, where the bank as a provider of funds then gives trust to customers to buy goods according to their wishes.

PENGARUH PROFITABILITAS, LIKUIDITAS, GROSS REVENUE DAN UKURAN PERUSAHAAN TERHADAP NILAI PERUSAHAAN PADA PERUSAHAAN REAL ESTATE AND PROPERTY YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2019-2022

Jessica Tandyono — 2025-09-02

In its business activities, companies aim to increase their value in each period. Companies have short-term and long-term goals. In the short term, companies aim to maximize profits, while their long-term goal is to increase their value. The purpose of this study is to examine the influence of profitability, liquidity, gross revenue, and company size on the value of companies listed on the Indonesia Stock Exchange for the 2019-2022 period. This study was conducted in real estate and property companies listed on the Indonesia Stock Exchange for the 2019-2022 period. The sample size used in this study was 76. The partial results of the study indicate that Return on Assets has a positive and significant effect on Price to Book Value, Current Ratio has a negative and insignificant effect on Price to Book Value, Gross Revenue has a positive and significant effect on Price to Book Value, and Size has no significant effect on Price to Book Value. Simultaneously, Return on Assets, Current Ratio, Gross Revenue and Size have a positive and significant influence on Price to Book Value.

THE INFLUENCE OF SECURITY, E-SERVICE QUALITY, AND BRAND IMAGE ON PURCHASING DECISIONS IN BLIBLI E-COMMERCE

Martin — 2025-06-17

This study aims to test and analyze the effect of security, e-service quality, and brand image on purchasing decisions. In the data of the largest e-commerce in Indonesia, Blibli ranks fourth with 337.4 million visits in 2023. In terms of consumer visits, Blibli is still inferior to several other competitors. This shows that Blibli has not been able to fully obtain a dominant purchasing decision compared to other competitors. In purchasing decisions, there are many factors that are taken into consideration in purchasing decisions, the first of which is convenience. The convenience factor is important because the use of communication tools is a way for consumers to believe that by using a certain system they will be error-free. The next factor is security, security is valued as the ability of online stores to control and maintain the security of data transactions. In the decision to purchase a product, the image of the product to be purchased can influence consumers' desire to buy the product. The better the product image, the more interested consumers will be in the product. This study uses quantitative research with the sample used was 97 respondents from the Faculty of Law, Prima Indonesia University. The data analysis method uses multiple linear regression. Convenience sampling was used as the sampling method. The conclusion of this study is that security, e-service quality, and brand image have a significant effect, both simultaneously and partially on purchasing decisions at Blibli for students of the Faculty of Law, Prima Indonesia University

ANALISIS FAKTOR-FAKTOR PENYEBAB LAMBATNYA PERSETUJUAN KPR (KREDIT PEMILIKAN RUMAH) DI BANK TABUNGAN NEGARA KC MAGELANG

Rheno Arya Saputra — 2025-05-17

Home Ownership Credit (KPR) is one of the financing facilities that is highly sought after by the public in an effort to meet housing needs. As one of the banks focused on housing financing, Bank Tabungan Negara (BTN) plays an important role in distributing KPR, including at the Magelang Branch Office. However, in its implementation, the mortgage approval process does not always run smoothly. Various obstacles often arise, such as incomplete documentation and the financial condition of the debtor not meeting the requirements. These obstacles can slow down credit approval and impact customer satisfaction. Understanding the factors that cause these delays is an important step in improving the effectiveness of KPR services at BTN KC Magelang.

PENGARUH INOVASI PRODUK DAN MODAL TERHADAP DAYA SAING PADA USAHA MIKRO, KECIL DAN MENENGAH (UMKM) MOLEN DI TAWANGMANGU

Yedi Kristian Sapelege — 2025-08-19

This study aims to analyze the influence of product innovation and capital on the competitiveness of Micro, Small, and Medium Enterprises (MSMEs) using mixers (Micro, Small, and Medium Enterprises) in Tawangmangu. MSMEs play a crucial role in the national economy, but often face challenges such as limited capital and low product innovation. The research method used a quantitative approach with a census sampling technique of 45 MSMEs using mixers (Micro, Small, and Medium Enterprises) in Tawangmangu. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS 16. The results showed that product innovation had a positive but insignificant effect on competitiveness (β=0.107; p=0.070), while capital had a positive and significant effect (β=0.886; p=0.000). Simultaneously, both variables contributed 94.1% to competitiveness. These findings indicate that capital is the dominant factor in increasing the competitiveness of MSMEs using mixers, while product innovation needs to be consistently improved. This study provides practical implications for MSMEs in strengthening their business capital and optimizing product innovation to compete in the market.

INFLUENCE LITERACY FINANCE, FINANCIAL USE TECHNOLOGY, AND ONLINE SHOPPING HABITS ON MANAGEMENT GENERATION Z FINANCE

Sri Apgusni Sartika Gea — 2025-06-13

This study aims to analyze the influence of financial literacy, the use of financial technology (fintech), and on line shopping habits on the financial management of Generation Z in the city of Medan. The background of this research is based on the phenomenon of increasing digital financial activities among the younger generation, which is accompanied by challenges in managing finances wisely in the digital era. This study uses a quantitative approach with a survey method. Data was collected through a questionnaire distributed to 400 respondents from Generation Z in Medan City. The analysis technique used was multiple linear regression analysis with the help of SPSS version 26 software. Before regression analysis was carried out, the data were tested using validity, reliability, and classical assumption tests which included normality, multicollinearity, and heteroscedasticity tests. The results of the study show that the three independent variables, namely financial literacy, fintech use, and on line shopping habits, have a positive and significant effect partially or simultaneously on financial management. The variable of online shopping habits has the most dominant influence on financial management with the highest regression coefficient value (0.498). The Adjusted R Square value of 0.478 indicates that 47.8% of the variation in financial management can be explained by these three variables. Thus, it can be concluded that the financial management ability of Generation Z in Medan City is significantly influenced by finance literacy, the use of digital financial technology, and on line consumption behavior that is carried out wisely

THE INFLUENCE of FIRM SIZE, SALES GROWTH, and CAPITAL STRUCTURE on PROFITABILITY in PROPERTY and REAL ESTATE SUB-SECTOR COMPANIES in the 2019-2023 PERIOD

Vony Halim — 2025-07-21

The initial objective of this study was to analyze how the Property and Real Estate Subsector is affected by size, sales growth, capital structure, and profitability. Quantitative methods are the basis of this research. This study examined 91 companies and 13 companies as research samples, which included 65 observations using multiple regression as the applied technique. The results showed that company size positively influences profitability, sales growth does not affect profitability, and capital structure negatively affects profitability. However, overall, company size, sales growth, and capital structure influence profitability.

INFLUENCE ENVIRONMENT WORK, TRAINING AND MOTIVATION ON EMPLOYEE PERFORMANCE OF PT. ERA MEDIKA ALKESINDO

Tedy Tandreas — 2025-05-24

This study aims to test and analyze the Influence of Work Environment, Training, and Motivation on Employee Performance at PT. Era Medika Alkesindo. The research method used in this study uses a quantitative research method with a quantitative descriptive research type that is explanatory research . The population of this study were employees at PT. Era Medika Alkesindo totaling 62 people, the sample of this study was 62 respondents. The data analysis method used was regression linear multiple. Results study test f Where f _count > f _table with level significant < 0.05 shows that simultaneously the Work Environment, Training and Motivation simultaneously have a significant influence on the Employee Performance of PT. Era Medika Alkesindo. The results of the t-test study where the work environment that have influence positive and significant on Employee Performance at PT. Era Medika Alkesindo, Training that has a positive and significant influence on Employee Performance at PT. Era Medika Alkesindo and Motivation that has a positive and significant influence on Employee Performance at PT. Era Medika Alkesindo. The results of the determination coefficient analysis obtained an Adjusted R2 value ^of0.508 , meaning that the variation of the Work Environment, Training, and Motivation variables is 50.8%, while the remaining 49.2% is explained by other variables.

INFLUENCE COMPENSATION, MOTIVATION AND COOPERATION TEAM ON EMPLOYEE PERFORMANCE AT THE MEDAN SELAYANG DISTRICT OFFICE

Martha Zepania Sihombing — 2025-06-21

The phenomenon of employee performance decline caused by compensation, motivation, and teamwork. The purpose to investigate and evaluate how teamwork, motivation, and pay affect employee performance at the Medan Selayang Sub-District Office. Quantitative research methodology is used. 76 permanent staff members of the Medan Selayang Sub-District Office made up the study's population and sample. Data was gathered using questionnaires and paperwork. The study concludes that, both together and separately, pay, motivation, and teamwork have a significant impact on employee performance at the Medan Selayang Sub-District Office.

PENGARUH LIKUIDITAS, PERTUMBUHAN PERUSAHAAN, KEPUTUSAN INVESTASI, STRUKTUR MODAL, PROFITABILITAS, DAN LEVERAGE TERHADAP NILAI PERUSAHAAN PADA PERUSAHAAN TAMBANG DI BURSA EFEK INDONESIA (BEI)

Lusan Stevani — 2025-05-19

Firm value is an important performance indicator for stakeholders such as investors, creditors, and management. In the mining sector, factors such as commodity prices, environmental risks, and regulations affect firm value. In Indonesia, the IDX is a place for mining companies to raise capital and provide information to investors. This study uses a quantitative method using a multiple linear regression model, where the number of samples used is 60 samples. The results of this study indicate that liquidity has a significant effect on firm value, firm growth does not have a significant effect on firm value, investment decisions have a significant effect on firm value, capital structure does not have a significant effect on firm value, profitability does not have a significant effect on firm value, leverage has a significant effect on firm value. There is an influence of knowledge Leverage, Investment Decisions, Liquidity, Profitability, Capital Structure, and Firm Growth simultaneously on Firm Value.

INFLUENCE MIX MARKETING 4P (PRODUCT, PRICE, PLACE, PROMOTION) ON CONSUMER DECISIONS TO CHOOSE COFFEE MEMORY

Wilbert Alexander — 2025-06-17

Kopi Kenangan, although known for its contemporary milk coffee menu and more affordable prices compared to international outlets, faces several challenges in Medan. Local consumer preferences that tend to prefer classic coffee flavors such as tubruk coffee or espresso have not been fully accommodated. In addition, the price of the product is still considered relatively expensive by the middle segment when compared to traditional coffee shops. The location of the outlet is less strategic and the promotion is less effective also become obstacles in attracting consumer interest and loyalty in this competitive market. The population used in this study were all consumers who made purchases at the company where the number is not known for sure. Due to the unknown population, the sampling technique used was the Lemeshow formula with an error rate of 10% where 96 research samples were obtained. The results of the study showed that the Product influences Consumer Decisions to Choose Kopi Kenangan. Price influences Consumer Decisions to Choose Kopi Kenangan. Location influences Consumer Decisions to Choose Kopi Kenangan. Promotion influences Consumer Decisions to Choose Kopi Kenangan. Product, Price, Location and Promotion influence Consumer Decisions to Choose Kopi Kenangan

ANALISIS EFEKTIVITAS PENERAPAN PROGRAM APU PPT UNTUK MENCEGAH PENCUCIAN UANG PADA PT BPR BKK JATENG (PERSERODA) KC MAGELANG

Riska Aulia Ulfah — 2025-05-17

This study aims to analyze the effectiveness of the implementation of the Anti-Money Laundering and Prevention of Terrorism Financing (APU PPT) program at PT BPR BKK Jateng (Perseroda) Magelang Branch Office. The APU PPT program is one of the important efforts in maintaining the integrity of the financial system and preventing misuse of banking services for illegal activities. The research method used is qualitative descriptive with data collection techniques through interviews, observations, and document studies. The results of the study indicate that the implementation of the APU PPT program at PT BPR BKK Jateng KC Magelang has been in accordance with applicable regulations, although there are still several obstacles such as the lack of in-depth training for employees and an early detection system that is not yet fully automated. In conclusion, the implementation of APU PPT in this institution is quite effective but still needs to be improved by strengthening human resource capacity, updating the reporting system, and increasing education for customers.

ANALISIS DAN DAMPAK EKONOMI DIGITAL DI INDONESIA

Yoseph Erbito — 2025-08-31

The digital economy refers to all economic activities that utilize digital technology and the internet as their main platform. In recent years, the digital economy has experienced rapid growth, having a significant impact on economic growth, innovation, and changes in consumer behavior. This article aims to examine various aspects of the digital economy, including its impact on economic sectors, the challenges it faces, and the policies needed to support its growth. In Indonesia, the digital economy is growing rapidly and is expected to continue to increase in line with the increasing penetration of the internet and smartphone usage. However, challenges such as cybersecurity, data privacy, and uneven infrastructure need to be addressed. The government and the private sector must work together to create an environment that supports the sustainable growth of the digital economy, so that Indonesia can take advantage of its enormous potential in the global digital economy.

INFLUENCE TURNOVER INTENTION , BURDEN WORK, AND COMPETENCY TOWARDS EMPLOYEE PERFORMANCE PT. DINAMIKA SURYA BRIGHT STAR

Epicilia Angeline — 2025-06-17

In PT. Dinamika Surya Bintang Brilliant , research This investigate impact of turnover intention, burden work , and competence to performance employees . Research This aiming For learn How intention For go out from work (turnover intention), burden work , and competence impact on performance employees of PT. Dinamika Surya Bintang Brilliant . Decrease income during three year final show decline performance employee . Studies study This based on on trend decline income company during three year lastly , it is suspected related with performance bad employee . Studies study This use method approach quantitative with design descriptive . Method data collection used For send questionnaire to respondents are divided over 40 employees still and 30 employees contracts in the environment company . Testing validity And reliability instrument , testing assumption classic , analysis multiple linear regression , and testing partial And simultaneous (t-test and F-test) is all method analysis of the data used . all in all with using the SPSS program. Results studies study explain that competence and turnover intention partial own influence positive to performance employee . On the contrary , the burden Work No own significant influence in a way statistics to performance employee . However , the performance influenced in a way significant by third variable free the moment operate simultaneously . With coefficient determination of this model by 87.2 %, the proportion variation performance employee can explained by three component This .

INTEGRASI SELF-DETERMINATION THEORY DAN AGILE LEADERSHIP UNTUK TRANSFORMASI MOTIVASI KERJA DAN PRESTASI KARYAWAN: STUDI KUALITATIF DI INDUSTRI TEKNOLOGI INDONESIA

Inge Gunawan — 2025-08-19

This study explores the integration of Self-Determination Theory (SDT) and Agile Leadership in enhancing work motivation and performance in the Indonesian technology industry. Using a qualitative approach, this study explores employee perceptions of SDT-based training supported by agile leadership practices. Data were collected through in-depth interviews with 18 employees and six leaders from three technology companies in Jakarta, as well as an analysis of company training documents. The findings indicate that training that supports autonomy, competence, and social connectedness, combined with adaptive agile leadership, significantly improves intrinsic motivation and performance. The novelty of this study lies in the integration of SDT and Agile Leadership in the Indonesian context, providing theoretical and practical contributions to human resource management in the technology industry. Practical implications include recommendations for designing training that focuses on psychological needs and developing leadership responsive to industry dynamics.

THE EFFECT OF WORK ENVIRONMENT, WORK LOAD AND WORK STRESS ON EMPLOYEE PERFORMANCE OF PT. GIRVI MAS

Calista — 2025-06-11

performance at PT Girvi Mas. Data were collected through questionnaires distributed to 110 respondents and analyzed using validity and reliability tests, classical assumption tests, multiple linear regression, as well as t-tests and F-tests. The results indicate that the work environment has a positive and significant impact on employee performance. In contrast, workload and stress negatively affect performance in a significant way. Together, these three variables explain 37.6% of the variance in employee performance, while the remaining portion is influenced by factors beyond the scope of this study. These findings align with previous research which suggests that a comfortable work environment enhances performance, whereas excessive workload and high stress levels tend to reduce it. Therefore, it is recommended that PT Girvi Mas foster a supportive workplace atmosphere, balance workloads appropriately, and implement stress management strategies to improve employee performance

PENGARUH PELAYANAN ADMINISTASI, SARANA PRASARANA, KINERJA PEGAWAI, DISIPLIN KERJA, MOTIVASI KERJA TERHADAP KEPUASAN MASYARAKAT PADA DINAS KEPENDUDUKAN DAN CATATAN SIPIL DI KOTA MEDAN

Jesica Oktavia br Panjaitan — 2025-07-02

The government defines public services as all forms of service activities carried out by government agencies at the central and regional levels and including other state-owned enterprises that provide goods or services both in order to fulfill the needs of the community and the implementation of statutory provisions. Facilities and infrastructure can also be called something that is most needed by every organization in order to achieve the expected goals, while performance is very necessary because from the criteria it can be seen how good the employee's ability is when providing services that can satisfy the community. Employees who have good performance are employees who are personally responsible for unlimited, firm and committed to existing risks. Work discipline is the level of the company to encourage awareness and the ability of all employees to obey all regulations that have been implemented according to applicable norms, and work motivation is the encouragement for someone to be able to carry out activities and channel their abilities in order to achieve goals for agencies and companies. The purpose of this study is to assess the quality of service, comfort, effectiveness, punctuality and responsibility of employees in their work when serving the community.

THE INFLUENCE OF PRODUCT QUALITY, BRAND IMAGE, AND PRICE ON PURCHASE DECISIONS OF TOMORO COFFEE AMONG THE COMMUNITY IN MEDAN MAIMUN DISTRICT

Stevani — 2025-05-22

This study aims to determine the influence of product quality, brand image and price on the purchase decision of Tomoro Coffee. The research method used in this study is a quantitative research method. The population in this study consists of the residents of Medan Maimun District who have tasted coffee at Tomoro Coffee, with an unknown exact population size. The sampling technique used is non-probability sampling. The sample size was determined using Slovin’s formula, resulting in a total of 100 respondents. The data analysis method applied in this study is multiple linear regression analysis. The results of the study show that, partially, product quality affects the purchase decision of Tomoro Coffee, brand image affects the purchase decision of Tomoro Coffee and price affects the purchase decision of Tomoro Coffee. Simultaneously, product quality, brand image, and price influence the purchase decision of Tomoro Coffee. The purchase decision of Tomoro Coffee is influenced by product quality, brand image, and price by 41.5%, while the remaining 58.5% is influenced by other variables not examined in this study

THE INFLUENCE OF PRICE, PROMOTION, AND PRODUCT QUALITY ON FASHION PRODUCT PURCHASE DECISIONS AT IRIAN SUPERMARKET TANJUNG MORAWA

Jonathan — 2025-06-21

Marketing is a very important strategy to introduce products and attract consumers, especially in the fashion sector which continues to develop following trends and lifestyles. Irian Supermarket located in Tanjung Morawa also provides fashion products, but is facing a decline in sales because it is unable to compete with specialty stores or online shopping platforms that offer more choices, more affordable prices, and products that are more in line with trend developments. Some of the reasons for the low consumer buying interest include relatively expensive prices, less attractive promotions, and product quality that has not met expectations. To increase the attractiveness of fashion products, this supermarket needs to review its pricing strategy, improve its promotional approach, and provide products with more modern quality and design. This study covers all visitors to Irian Supermarket Tanjung Morawa as the population, although the exact number is not clearly known or tends to be biased. Therefore, the sampling technique uses the Lemeshow formula, which is appropriate when the population size is not known for certain, so that one hundred people are determined as the research sample. The sampling method used is accidental sampling, which is the random selection of respondents based on who is willing and available when the research is conducted. The results of the study indicate that partially, price has a significant negative effect on purchasing decisions. Promotion has a significant effect on purchasing decisions partially. Product quality also shows a significant effect partially on purchasing decisions. Together, the variables price, promotion, and product quality have a significant effect on consumer purchasing decisions.