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//ojs-upgrade.ummat.ac.id/index.php/JABB/issue/feed JOURNAL of APPLIED BUSINESS and BANKING (JABB) 2023-11-28T13:19:54+08:00 Handoyo Wirastomo handoyo.wirastomo@gmail.com Open Journal Systems <p><strong>Jurnal of Applied Business and Banking (JABB)<a href="http://issn.lipi.go.id/issn.cgi?daftar&amp;1591163569&amp;1&amp;&amp;" target="_blank"> E-ISSN 2723-634X</a> <a href="http://issn.lipi.go.id/issn.cgi?daftar&amp;1614308359&amp;1&amp;&amp;" target="_blank">P-ISSN 2775-622X</a></strong><a href="http://issn.lipi.go.id/issn.cgi?daftar&amp;1614308359&amp;1&amp;&amp;" target="_blank"> </a>adalah salah satu jurnal yang dikelola oleh Program Studi Administrasi Bisnis Fakultas Ilmu Sosial dan Politik (FISIPOL) Universitas Muhammadiyah Mataram. JABB (Journal of Applied Business and Banking) diterbitkan untuk menjadi wahana pendorong perkembangan Administrasi Bisnis melalui penelitian serta kajian kritis terhadap berbagai konsep baru, fenomena dan peristiwa dalam kehidupan Bisnis. </p><p><img 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" alt="" /></p> //ojs-upgrade.ummat.ac.id/index.php/JABB/article/view/7565 DAMPAK PERKEMBANGAN PRODUKSI KERUPUK ATOM DALAM MENINGKATKAN PEREKONOMIAN MASYARAKAT (STUDI KASUS DESA EMPANG ATAS KECAMATAN EMPANG KABUPATEN SUMBAWA) 2023-11-28T13:19:17+08:00 Ida Farida idafarida170920@gmail.com Amil amil Amilmuningsih1962@gmail.com SULHAN HADI hadisplmb@gmail.com <p align="center"><strong> </strong></p><p>Salah satu usaha yang dikembangkan oleh masyarakat adalah usaha kerupuk Kerupuk merupakan makanan khas Indonesia dan sudah dikenal oleh masyarakat luas. Kerupuk atom hampir sama dengan kerupuk amplang dan kerupuk lainnya, namun perbedaan kerupuk ini terdapat pada bentuk dan proses pengolahannya yaitu tidak melalui pengukusan.</p><p>Penelitian ini bertujuan untuk mengetahui dampak perkembangan produksi kerupuk atom dalam meningkatkan perekonomian masyarakat dan factor pendukung dan penghambat produksi kerupuk atom. Metode penelitian yang digunakan dalam skripsi adalah penelitian kualitatif dengan pendekatan deskriptif. Jenis penelitian mengunakan data primer dan sekunder. Teknik pengumpulan data yang digunakan adalah observasi, wawancara, dokumentasi. Adapun teknik analisis datanya yaitu mengunakan metode <em>Data Reduction</em> (Reduksi Data), <em>Data</em> <em>Display </em>(penyajian data), <em>Conclusion Vervication</em> (Penarikan Kesimpulan) .</p><p>Hasil penelitian ini menyimpulkan bahwa Dengan adanya pendapatan yang tinggi dan dapat meningkatkan ekonomi yang baik, bisa membawa dampak dalam kehidupan masyarakat di Desa Empang Atas Kecamatan Empang untuk memenuhi kebutuhan sehari-hari maupun pembelian barang-barang mewah seperti: kulkas, emas, motor, hp, tanah, rumah, dan lain-lain. Faktor pendukung dan penghambat industri kerupuk atom dalam peningkatan perekonomian masyarakat meliputi rasa, alat pembuatan, kemasaran, pemasaran, harga dan belum BPOM. Kerrupuk atom di Desa Empang Atas Kecamatan Empang perlu di bina dan dipromosikan lebih luas.</p> 2023-11-28T00:00:00+08:00 Copyright (c) 2023 JOURNAL of APPLIED BUSINESS and BANKING (JABB) //ojs-upgrade.ummat.ac.id/index.php/JABB/article/view/7567 Analisa Pengaruh Bauran Pemasaran (Marketing Mix) Terhadap Minat Konsumen Untuk Melakukan Belanja Kembali (Re-Purchase) Di Panyawangan Resto Lombok 2023-11-28T13:14:56+08:00 Bagus Sinatrya Ramadhan Bagussr87@gmail.com Lalu Hendra Maniza manizahendra@gmail.com Muhammad Yusril yusmuhammad043@gmail.com <p align="center"><strong>ABSTRAK</strong></p><p align="center"><strong> </strong></p><p>Penelitian ini bertujuan untuk mengetahui pengaruh signifikansi dari 7 bauran pemasaran yaitu produk, harga, lokasi, promosi, orang, fasilitas fisik, dan proses baik secara parsial atau simultan terhadap minat konsumen untuk melakukan belanja kembali di Panyawangan Resto Lombok.</p><p>Jenis penelitian yang digunakan adalah penelitian survei. Metode pengumpul data yang digunakan adalah kuesioner dengan sampel yang berasal dari seluruh populasi konsumen yang pernah bertransaksi minimal 2 kali di Panyawangan Resto Lombok, yang berjumlah 100 orang. Jenis data yang digunakan dalam penelitian ini adalah kuantitatif. Skala pengukuran menggunakan skala pengukuran skala likert. Alat analisis yang digunakan adalah regresi linier berganda yang dianalisis dengan menggunakan SPSS 25.00 For Windows.</p><p>Hasil penelitian menunjukan bahwa terdapat pengaruh yang positif dan signifikan secara parsial dari variabel produk, harga, promosi, fasilitas fisik, dan proses. Sedangkan variabel Lokasi dan orang tidak berpengaruh secara signifikan terhadap keputusan melakukan belanja kembali di Panyawangan Resto Lombok. Terdapat pengaruh yang signifikan secara simultan dari variabel produk, harga, lokasi, promosi, orang, fasilitas fisik, dan proses pada Panyawangan Resto Lombok. Variabel yang mempunyai pengaruh dominan adalah variabel produk terhadap minat konsumen untuk belanja kembali di Panyawangan Resto Lombok.</p> 2023-11-28T00:00:00+08:00 Copyright (c) 2023 JOURNAL of APPLIED BUSINESS and BANKING (JABB) //ojs-upgrade.ummat.ac.id/index.php/JABB/article/view/7590 PERANAN BADAN USAHA MILIK DESA (BUMDES) TERHADAP PENGEMBANGAN EKONOMI DESA MANEMENG KECAMATAN BRANG ENE KABUPATEN SUMBAWA BARAT 2023-11-28T13:14:58+08:00 Rahma Sarita rahmasarita2603@gmail.com Dedy Iswanto dedyiswanto.st@gmail.com Handoyo Wirastomo handoyo.wirastomo@gmail.com <p>Penelitian ini berjudul “Peranan Badan Usaha Milik Desa (BUMDes) Terhadap Pengembangan Ekonomi Desa Manemeng Kecamatan Brang Ene Kabupaten Sumbawa Barat” dengan tujuan untuk mengetahui Peranan BUMDes Terhadap Pengembangan Ekonomi Desa yang dipilih berdasarkan perannya dalam kegiatan sosial kemasyarakatan. Metode pengumpulan data menggunakan observasi, wawancara mendalam, dan dokumentasi, sedangkan metode analisis data menggunakan metode analisis deskriptif. Hasil dari analisis data menjelaskan peranan BUMDes Sukses Mandiri Manemeng dan Permasalah Yang Dihadapi BUMDes Dalam Pengembangan Ekonomi Desa Manemeng.</p><p>Pada penelitian ini Metode yang digunakan adalah metode deskriptif kualitatif berdasarkan proses pengambil data bersifat <em>purposive</em> <em>sampling</em>. Adapun informan yang didata didesa manemeng yaitu 5 informan di desa Manemeng cukup memberikan dampak terhadap pengembangan ekonomi desa dilihat dari beberapa program usaha yang dijalankan dalam membantu masyarakat desa. adapun permasalahan yang dihadapi BUMDes Sukses Mandiri lebih mengarah kepada kurangnya tenaga kerja untuk berpartisipasi menjalankan program usaha.</p> 2023-11-28T00:00:00+08:00 Copyright (c) 2023 JOURNAL of APPLIED BUSINESS and BANKING (JABB) //ojs-upgrade.ummat.ac.id/index.php/JABB/article/view/19723 IDENTIFIKASI OBJEK WISATA DAN USAHA UNTUK MENINGKATKAN PENDAPATAN MASYARAKAT DI DESA WISATA (STUDI DI DESA TETEBATU KABUPATEN LOMBOK TIMUR) 2023-11-28T13:15:00+08:00 Ahmad Syarif Ali rahmad_dayat22@yahoo.com Rahmad Hidayat ahmadpubli@gmail.com Selva Selva Selva.evha111186@gmail.com <p>Indonesia memiliki sumber daya alam yang dapat dikembangkan menjadi potensi sumber pariwisata. Provinsi Nusa Tenggara Barat (NTB) merupakan salah satu provinsi yang menjadi prioritas pengembangan pariwisata di Indonesia. Keberadaan desa wisata yang akhir-akhir ini terus dikembangkan oleh pemerintah pusat melalui Kementrian Pariwisata dan Ekonomi Kreatif bersama Pemerintah Daerah. Jenis penelitian yang digunakan adalah penelitian kualitatif, dimana data dikumpulkan dengan wawancara, observasi dan dokumentasi. Hasil penelitian menunjukan bahwa identifikasi objek wisata di desa Tetebatu penting untuk dilakukan guna meningkatkan kunjungan wisatawan yang berdampak pada pendapatan masyarakat. Usaha yang dilakukan berbagai pihak untuk membantu masyarakat sudah banyak dilakukan oleh pemerintah desa, kelompok sadar wisata dan badan pengelola desa wisata untuk membentuk UMKM dimana masyarakat terbantu dari segi pendapatan.</p> 2023-11-28T00:00:00+08:00 Copyright (c) 2023 Rahmad Hidayat //ojs-upgrade.ummat.ac.id/index.php/JABB/article/view/20029 PENGARUH KEPEMILIKAN MANAJERIAL, KEPEMILIKAN INSTITUSIONAL, DEWAN KOMISARIS INDEPENDEN, DAN KOMITE AUDIT TERHADAP ROE PERUSAHAAN SEKTOR KEUANGAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2019-2021 2023-11-28T13:15:02+08:00 Annisa Sekar Jihan annisasekarjihan@gmail.com Lalu Ahmad Ramadani laluahmadramadani@uinmataram.ac.id Riduan Mas’ud rid.masud@gmail.com <p>Tujuan dari penelitian ini adalah untuk mengkaji hubungan kepemilikan manajerial, kepemilikan institusional, dewan komisaris independen, dan komite audit terhadap ROE perusahaan. Populasi pada penelitian ini adalah perusahaan sektor keuangan yang terdaftar di Bursa Efek Indonesia (BEI) periode 2019-2021. Sampel yang digunakan sebanyak 72 sampel dengan metode purposive sampling dan dianalisis dengan regresi linier berganda. Hasil dari penelitian ini menunjukkan bahwa variabel kepemilikan manajerial, Kepemilikan institusional dan komite audit secara parsial berpengaruh signifikan terhadap ROE. sedangkan. Dewan komisaris independen secara parsial tidak berpengaruh signifikan terhadap ROE. </p> 2023-11-28T00:00:00+08:00 Copyright (c) 2023 Annisa Sekar Jihan, Lalu Ahmad Ramadani, Riduan Mas’ud
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