Jurnal Entrepreneur dan Manajemen Sains (JEMS)

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

Mulawarman Awaloedin, Syahrial Sidik — Sun, 01 Jun 2025 00:00:00 +0800

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, Rizca Puspita Devi — Sun, 01 Jun 2025 00:00:00 +0800

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, Lies Anggi Puspita Dewi — Sun, 01 Jun 2025 00:00:00 +0800

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, Dicki Kusmayadi — Sun, 01 Jun 2025 00:00:00 +0800

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, Dicki Kusmayadi — Sun, 01 Jun 2025 00:00:00 +0800

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, Lenni Lukitasari — Sun, 01 Jun 2025 00:00:00 +0800

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

PENGARUH KUALITAS PRODUK DAN DESAIN TERHADAP KEPUTUSAN PEMBELIAN DI DUTA PHONECELL KOTA BENGKULU

M. Alhasbi P. Ramadan — Wed, 02 Jul 2025 00:00:00 +0800

Consumer purchasing decisions are an integration process that combines knowledge to evaluate two or more alternative behaviors, and choose one of them. The purpose of this study is to find out the influence of product quality and design on purchase decisions at Duta Phonecell Bengkulu City. This type of research is a descriptive quantitative approach. The sample in this study is 50 consumers. The data collection techniques in this study are observation and questionnaire. The data analysis techniques used were multiple linear regression, determination coefficients, and hypothesis tests. It was obtained that there was an influence of product quality (X1) on the purchase decision (Y) of Duta Phoncell, where the value of sig < 0.05 (0.000<0.05) and the value of tcalcul>ttable (3.980> 1.666196) thus Ho was rejected and Ha was accepted. From the significance value obtained, the variable X1 has a positive effect on the purchase decision (Y). There is an influence of design (X2) on the purchase decision (Y) of Duta Phoncell where the value of sig < 0.05 (0.016<0.05) and the value of tcalcul>ttable (3,500>1.666196) thus Ho is rejected and Ha is accepted. From the significance value obtained, the variable X₂ has an effect on the purchase decision (Y). The significance F value is < 0.05, which is 0.000 < 0.05 and Fcalcul>Ftable (17.060>3.10) so that it can be concluded that together independent variables have an effect on dependent variables.

Keywords: Product Quality, Design, Purchase Decision

PENGARUH LOYALITAS DAN KOMPETENSI TERHADAP KINERJA KARYAWAN PT. BANK BENGKULU CABANGREJANG LEBONG

Aldi Putra Jaya, Reni Indriani — Thu, 03 Jul 2025 00:00:00 +0800

This study entitled The Effect of Loyalty and Competence on Employee Performance at PT. Bank Bengkulu Chapter Rejang Lebong. The purpose of this study was to dtermine whether thres is an effect of Loyalty and Competence on Employee Performance at PT. Bank Bengkulu Chapter Rejang Lebong.

This study uses quantitative methods and data collection by means of observation, interviews and questionnaires. The population in this study were all employees of PT. Bank Bengkulu Chapter Rejang Lebong collected as many as 35 peopel and sampling using the total sampling method.

Based on the results of multiple linear regression, the regression equation form Y = 1.010 + 0.179 (X₁) + 0.580 (X₂). This equation can be explained by the positif influencer of each independent variabel, namely Loyalty (X₁) and Competence (X₂) on Employee Performance (Y) and the coefficient of determination R² = 0.992 or (99.2 %) through testing hypotheses together (Simultaneously) and individually (partial) in this study using the f test and t test, namely Loyalty (X₁) and Competence (X₂) = 0,000, meaning that f_sig value < 0,05 indicates significantly together and have a significant effect.

Keyword : Loyalty, Competence, Employee Performance

PENGARUH SELF-EFFICACY, SOFT SKILL DAN HARD SKILL TERHADAP KESIAPAN KERJA MAHASISWA SEBAGAI GENERASI Z DI ERA REVOLUSI INDUSTRI 4.0

Ananda Zania Putri, Eti Arini — Thu, 03 Jul 2025 00:00:00 +0800

This study aims to determine the influence of self-efficacy, soft skills, and hard skills on the work readiness of Faculty of Economics and Business students, Class of 2022, at Universitas Muhammadiyah Bengkulu as Generation Z in the era of the Industrial Revolution 4.0. This research employs a descriptive quantitative approach, with the research subjects being FEB students from the 2022 cohort at Universitas Muhammadiyah Bengkulu. The study population consists of 288 students, and the sample size is determined using Slovin’s formula, resulting in 74 respondents. Data collection is conducted through questionnaires using an ordinal scale as the measurement tool. The data analysis techniques include multiple linear regression analysis and hypothesis testing. The research findings indicate that self-efficacy and soft skills have a positive but not significant influence on work readiness, while hard skills have a positive and significant influence on work readiness. The F-test (simultaneous test) results show that self-efficacy, soft skills, and hard skills collectively have a significant influence on the work readiness of Faculty of Economics and Business students, Class of 2022, at Universitas Muhammadiyah Bengkulu as Generation Z in the era of the Industrial Revolution 4.0..

Keywords: Self-efficacy, Soft Skills, Hard Skill, Work Readiness