Jurnal Entrepreneur dan Manajemen Sains (JEMS)

PENAKSIRAN EFISIENSI BIAYA DAN LABA TERHADAP FAKTOR PERSAINGAN DI PERUSAHAAN ASURANSI UMUM INDONESIA

Mulawarman Awaloedin — 2025-06-01

This study aims to assess the cost efficiency and profit of general insurance companies in Indonesia and analyze the influence of market competition factors on financial performance. The analysis methods used include logarithmic regression and the MANOVA test to test the simultaneous influence of independent variables on dependent variables. Market characteristics analysis is carried out to understand the market structure and distribution of companies based on asset categories and claims ratios. The results show that financial variables such as assets, leverage, and claims ratio have a significant influence on cost efficiency and profit. However, non-financial factors such as customer satisfaction, product innovation, and service quality have not been widely considered. Fierce market competition, as evidenced by the low value of the Herfindahl-Hirschman Index (IHH), has the potential to reduce profit efficiency as companies tend to lower premiums to attract customers. The influence of digitalization and the use of technology has not been analyzed in depth in this study, although it has great potential in improving cost efficiency and profits. The research gaps found include a lack of attention to non-financial factors, the impact of government regulations, market segmentation based on the type of insurance product, and the lack of international comparisons. Follow-up research can develop an analysis by considering non-financial factors, digital technology adoption, and regulatory influences more in-depth.

Keywords: cost efficiency, profit, competitive factors, general insurers, logarithmic regression, MANOVA

ANALISIS PENGARUH CURRENT RATIO (CR) TERHADAP DEBT TO ASSET RATIO (DAR) PADA PERUSAHAAN TRANSPORTASI DAN LOGISTIK YANG TERDAFTAR DI BEI

Resti Ratna Anjani — 2025-06-01

The purpose of this study is to understand how liquidity as measured by Current Ratio (CR) and Debt to Assets Ratio (DAR) affects land transportation companies listed on the Indonesia Stock Exchange (IDX). This study uses a quantitative approach with a population that includes 37 companies in the transportation and logistics sector listed on the IDX. For sample selection, purposive sampling method was used so that 10 companies were selected as research subjects. Data analysis was carried out using the simple linear analysis method through SPSS software. The results showed that liquidity (CR) has a partially significant effect on Debt to Assets Ratio (DAR) in transportation and logistics companies listed on the Indonesia Stock Exchange during the period 2020-2023, with a significance level of 0.027 and a t value of 2.024. The relationship found between these two variables is negative. This indicates that the higher the CR value of a company, the lower its DAR value, which indicates that companies with high levels of liquidity tend to have lower dependence on debt

PENGARUH METODE PEMBAYARAN QRIS TERHADAP KEPUTUSAN PEMBELIAN PADA PARAGRAPH COFFEE AND EATERY

Nazira Alzura — 2025-06-01

Technological advances in digital payment systems are increasingly influencing the way consumers make transactions. In the culinary sector, the implementation of digital payment methods is becoming increasingly important because it offers convenience, efficiency in the transaction process, and reduces the risks arising from the use of cash transactions. One of the widely adopted payment methods is the Quick Response Code Indonesian Standard (QRIS), which allows customers to transact easily by scanning a QR code. The purpose of this study was to examine how Paragraph Coffee and Eatery customers' purchasing decisions are influenced by the use of QRIS. A total of 95 respondents were given a questionnaire to fill out as part of a quantitative descriptive research methodology. With a regression coefficient value of 0.717 and a significance level of less than 0.001, the findings of the regression analysis indicate that QRIS significantly influences purchasing decisions. In addition, the results of the Pearson correlation test indicate a very strong relationship between variables with a correlation value of 0.868. Meanwhile, the determination test (R²) shows that 75.4% of the variation in purchasing decisions can be explained by the QRIS variable. Based on the results of this study, it can be concluded that the implementation of the QRIS payment method has a positive contribution to customer purchasing decisions. These findings have strategic implications for business actors in optimizing the use of digital payment systems to increase business competitiveness and customer satisfaction.

Keywords: Digital Payment Method, QRIS, Purchasing Decisions

ANALISIS AKTIVITAS MEREK MELALUI PLATFORM INSTAGRAM UNTUK MENINGKATKAN KEPEKAAN MEREK SANTIZ MOTOGARAGE

Rizki Eka Widarman — 2025-06-01

The objective of this study is to examine how brand activities on Instagram, using an approach that leverages contemporary digital technology, can enhance brand awareness for Santiz Motogarage, an SME engaged in buying and selling used cars in Bandung. A descriptive qualitative research method was employed, and data were collected through interviews, observations, and documentation. The study shows that Santiz Motogarage’s brand activities—such as uploading product catalogs and videos—have significantly increased brand awareness. This was particularly evident after one of their videos featuring the ZX250R motorcycle went viral, generating an additional 56,000 views and gaining 1,000 new followers.However, key obstacles include inconsistency in content uploads, a lack of human resources, and competition from rivals. The study concludes that well-planned and consistent brand activities, along with a deep understanding of digital marketing strategies, can strengthen Santiz Motogarage’s brand sensitivity. Recommendations include increasing content consistency, leveraging the automotive community, and adopting customer-centric marketing strategies to build emotional connections with customers.

Keywords: Brand Activity, Utilization of Contemporary Digital Technology, Brand Awareness, Digital Marketing

ANALISIS SISTEM KERJA DROPSHIPPING MARKETPLACE TOKOPEDIA: Studi Kasus Pada Toko Hypedunk23

Zulfi Muhamad Fauzan — 2025-06-01

This study aims to analyze the dropshipping work system on the Tokopedia marketplace and the factors that influence the decline in sales at Hypedunk23 Store. The research method uses a qualitative approach with a case study type, with data collection techniques through interviews, observation, and documentation. The results showed that the dropshipping work system at Hypedunk23 includes: (1) supplier selection based on ratings, reviews, and experience in the marketplace; (2) uploading edited product content to increase attractiveness; (3) determining prices with a margin of 10-30% of the supplier's price; (4) order processing through confirmation to the supplier and shipping on behalf of the dropshipper; and (5) handling complaints with communication and compensation. Internal factors include delays in message response due to resource constraints, stock instability, and promotions limited to marketplace features. While external factors were caused by changes in consumer trends towards sporty shoe products as well as technical constraints in Tokopedia such as slow notifications and increased administrative costs.

Keywords: Dropshipping, Tokopedia Marketplace, Sales Decline, Internal and External Factors.

PERSEPSI KEPUASAN PASIEN TERHADAP KUALITAS PELAYANAN KESEHATAN DI PUSKESMAS CANGKUANG

Istiana Robbani — 2025-06-01

The quality of health services is an important factor in determining the level of patient satisfaction. This study aims to analyze the perception of patient satisfaction with the quality service at Cangkuang Health Center Bandung Regency using the SERVQUAL approach which includes five main dimensions, that is Tangibles, Reliability, Responsiveness, Assurance, Empathy. The research method used is descriptive qualitative, with data collection techniques through observation, interviews, and documentation. Respondents in this study were patients who received services at the Cangkuang Health Center. The research results show that in general patients are quite satisfied with the services provided, but there are also several aspects that need to be repaired and improved to achieve more optimal patient satisfaction.

Keywords: Patient Perception, Patient Satisfaction, Quality of Health Services