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                  <text>Vol. 5 No. 3 (2024)</text>
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                <text>Impact Analysis of National Assignment Projects (PSN) on State-Owned Construction Enterprises As Project Assignment Recipients(A Case Study on The Assignment osf State-Owned Construction Enterprises For The Period 2014-2022)</text>
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                <text>Impact Analysis, National Assignment Projects (PSN), State-Owned Construction Enterprises, Project Assignment Recipients</text>
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                <text>This  research  aims  to  assess  the  impact  on  two  main  aspects:  profitability performance and solvency performance of construction state-owned enterprises (BUMNs). It evaluates  changes  in  net  profit  and  related  profitability  indicators,  as  well  as  changes  in  the debt-to-equity   ratio   and   other   solvency   indicators   during   the   assignment   period.   By examining  these  aspects,  the  research  aims  to  provide  a  scientific  perspective  on  how  the assignment   of   national   strategic   projects   affects   the   financial   health   of   the   assigned companies. The study utilizes a case study approach with a descriptive method, focusing on financial  data  extracted  from  the  annual  reports  of  three  BUMNs:  PT  Waskita  Karya (Persero), PT Hutama Karya (Persero), and PT Adhi Karya (Persero). These companies have been tasked with executing National Strategic Projects (PSNs) since 2015. The scope of the study spans from one year prior to the assignment in 2014 to the performance year of 2022. The  sample  selection  is  based  on  the  significant  roles  of  these  companies  in  implementing PSNs  in  Indonesia.The  research  data  includes  elements  from  the  companies'  financial statements,  such  as  the  balance  sheet,  income  statement,  and  cash  flow  statement,  gathered from  annual  financial  reports  accessible  through  official  websites  or  financial  databases. Financial  analysis  techniques,  including  Common  Size  Analysis,  Ratio  Analysis,  Z-Score Analysis,  Economic  Value  Added  (EVA),  and  Du  Pont  Analysis,  will  be  applied to  analyze and compare the financial performance of the three BUMNs throughout the study period.The research  findings  suggest that  PSN  assignments  had  a  significant impact  on the  profitability of  PT  Hutama  Karya  (Persero),  PT  Waskita  Karya  (Persero),  and  PT  Adhi  Karya (Persero). All  three  companies  faced  increased  financial  pressure  due  to  interest  burdens,  indicating internal  financial  strains  affecting  profits.  While  PT  Hutama  Karya  experienced  increased interest  burdens,  PT  Waskita  Karya  showed  limited  revenue  growth,  and  PT  Adhi  Karya witnesseda  decline  in  net  income.  Solvency  varied  among  the  companies,  with  PT  Adhi Karya  and  PT  Hutama  Karya  demonstrating  good  short-term  liquidity,  whereas  PT  Waskita Karya  experienced  decreased  liquidity</text>
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                <text>Vega Alberta1*, Zuliani Dalimunthe2</text>
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                <text>https://dinastipub.org/DIJEFA/article/view/2745/1868</text>
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                <text>Universitas Indonesia</text>
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                <text>15July2024</text>
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                <text>alberta19@gmail.com</text>
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                  <text>Vol. 5 No. 3 (2024)</text>
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            <description>A name given to the resource</description>
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                <text>Analyzing  Firm  Performance:  The  Influence  of  Enterprise  Risk Management, Investment Decisions, and ESG Aspects in ASEAN-5 Non Financial Firms</text>
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            <description>The topic of the resource</description>
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                <text>Enterprise  Risk  Management  (ERM),  Investment  Decisions,  Environmental, Social And Governance (ESG), Firm Performance, ASEAN-5</text>
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                <text>This study aims to examine theeffectof Enterprise Risk Management (Advanced level of ERM) and Investment Decisions on firm performance, with the moderating role of environmental, social and governance (ESG) factors in ASEAN-5 non-financial firms. Panel dataregressionanalysisemployed in this studywitha total of770observationsover a five-year   period   (2018to 2022).The   study   finds   a   positive   relationship   between   ERM implementation   and   firm   performance   metrics   (ROA,   Tobin's   Q,   PBV).   Investment decisions,  proxied  by  Price  Earnings  Ratio  (PER),  also  show  a  positive  influence  on  firm performance.  Furthermore,  Environmental,  Social,  and  Governance  (ESG)  moderate  the relationship between ERMon firm’s financialperformance(ROA) and investment decisionson firm’s market performance (Tobin’s Q and PBV).The findings highlight the significance of integrating ESG factors on risk management practices and strategic investment decisions that improve firm’sfinancial and market-based performance</text>
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            <name>Creator</name>
            <description>An entity primarily responsible for making the resource</description>
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                <text>Muhammad Fikry Alfisyahrin1*, Dewi Hanggraeni2</text>
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            <description>A related resource from which the described resource is derived</description>
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                <text>https://dinastipub.org/DIJEFA/article/view/2744/1865</text>
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            <description>An entity responsible for making the resource available</description>
            <elementTextContainer>
              <elementText elementTextId="65249">
                <text>Universitas Indonesia</text>
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            <name>Date</name>
            <description>A point or period of time associated with an event in the lifecycle of the resource</description>
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                <text>12July2024</text>
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                <text>muhammad.fikry21@office.ui.ac.id</text>
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                <text>English</text>
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                  <text>Vol. 5 No. 3 (2024)</text>
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            <description>A name given to the resource</description>
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                <text>Factors that Influence the Decision to Choose Consumer Credit at PT BPR Baturaja (Perseroda) With Age as a Moderating Variable</text>
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          <element elementId="49">
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                <text>Consumer Credit, Service Quality, Promotion, Interest Rate, Age Variable</text>
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            <name>Description</name>
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                <text>As  individuals  age,  they  typically  acquire  more  financial  obligations,  such  as funding their children's education or planning for retirement, which can impact their decision to utilize consumer credit. This study aims to investigate the factors influencing the decision to opt for consumer credit at PT BPR Baturaja (Perseroda), with age serving as a moderating variable.  The  research  methodology  employed  is  associative  descriptive  research.  The sampling  technique  utilized  is  probability  random  sampling,  determined  by  the  Slovin formula, resulting in a total sample size of 322. Data analysis was conducted using the Partial Least  Square  (PLS)  method.  The  research  findings  lead  to  several  conclusions:  Firstly, service quality exerts a positive and significant influence on the decision to choose consumer credit  at  PT  BPR  Baturaja  (Perseroda).  Secondly,  promotion  demonstrates  a  positive  but statistically insignificant effect on the decision to choose consumer credit at PT BPR Baturaja (Perseroda).  Lastly, the  interest  rate  has  a  positive  and  significant  impact  on  the  decision  to select  consumer  credit  at  PT  BPR  Baturaja  (Perseroda).  The  age  variable  acts  as  a  Quasi Moderator  (Quasi  Moderation)  on  the  influence  of  service  quality  on the  decision to  choose consumer  credit  at  PT  BPR  Baturaja  (Perseroda).  The  age  variable  acts  as  a  Moderation Predictor  on  the  influence  of  promotions  on  the  decision  to  choose  consumer  credit  at  PT BPR  Baturaja  (Perseroda).  The  age  variable  acts  as  a  Pure  Moderator  on  the  influence  of interest rates on the decision to choose PT BPR Baturaja (Perseroda) consumer credit.</text>
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                <text>Rahma Delawati1*, Sulastri2, Aslamia Rosa³</text>
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                <text>https://dinastipub.org/DIJEFA/article/view/2792/1864</text>
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                <text>Universitas  Sriwijaya</text>
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                <text>12July2024</text>
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                <text>01032622226006@student.unsri.ac.id</text>
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                <text>English</text>
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                  <text>Vol. 5 No. 3 (2024)</text>
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            <name>Title</name>
            <description>A name given to the resource</description>
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                <text>MediatingCustomerEngagementBasedonContentMarketing and Product Variety on Purchace Intention</text>
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          <element elementId="49">
            <name>Subject</name>
            <description>The topic of the resource</description>
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                <text>ContentMarketing,ProductVariety,CustomerEngagement,PurchaseDecisions</text>
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                <text>This  study  investigated  the  role  of  content  marketing  and  product  variety  on purchase decisions through customer engagement. The study was executed on the customers of  local  Indonesian  footwear,  namely  Noosa  Official,  the  MSME  based  in  Bandung  City.  A total of 360 respondents were selected with the criteria of being 15 to 60years old, living in Indonesia,  and  as  followers  of  the  Noosa  Official  Instagram  for  at  least  three  months.  The questionnaire contains 36 questions. The survey was self-administered and conducted online, and then the data obtained was analyzed using descriptive and SEM-PLS analysis. This study concluded  that  content  marketing  significantly  and  positively  affects  customer  engagement and  decisions.  The  indirect  effect  of  content  marketing  on  customer  decisions  mediated  by customer  engagement  is  also  significant.  Product  variety  only  significantly  affects  customer decisions  positively.  Product  variety  has  a  positive  but  insignificant  effect  on  customer engagement.  Customer  engagement  is  also  negligible  in  mediating  the  influence  of  product variety  on  customer  decisions.  Lastly,  customer  engagement  is  also  known  to  significantly influence customer decisions positively</text>
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            <description>An entity primarily responsible for making the resource</description>
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                <text>FauziahNur Septiani1*,PopyRufaidah2</text>
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                <text>https://dinastipub.org/DIJEFA/article/view/2798/1860</text>
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            <description>An entity responsible for making the resource available</description>
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                <text>UniversitasPadjadjaran</text>
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                <text>This   research   aims   to   determine   the   implementation   of   ship   crew   health qualifications based on the 2006 Maritime Labor Convention (MLC) at PT. Eternal Maritime Prosperity  Palembang.  In  this  research  the  author  used  qualitative  data.  Based  on  the description and discussion that the author has conveyed in the previous chapter based on data from the field, library and office regarding the Health Qualifications of Ship Crews Based on the 2006 Maritime Labor Convention (MLC) and the PT Health Protocol. Conocophillips at PT.  Sejaterah  Bahari  Abadi  Palembang  Branch,  the  author  can  draw  a  conclusion  from  this research, namely that the implementation of crew health qualifications at PT. Sejaterah Bahari Abadi is in accordance with the 2006 Maritime Labor Convention (MLC)regulations</text>
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                <text>Akademi Maritim Bina Bahari</text>
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                <text>User satisfaction can be defined as the user's feelings resulting from comparing the user's  expectations  of  the  product  with  actual  results,  achieved  through  satisfaction  with  the information  system.  User  satisfaction  can  be  seen  from  several  aspects,  namely  the  content aspect, the accuracy aspect, the ease of use aspect, the form aspect, the time aspect according to Doll &amp; Torkzadeh (1998). Inaportnet is a system based on an internet/web service network related to ship arrival and departure services as well as loading and unloading activities. This research uses qualitative research methods. With data collection techniques through interviews, observation  and  literature  study.  The  results  of  this  research  are  that  the  content  aspect  is satisfactory with access links, ship service forms and clear directions according to user needs. The accuracy aspect has been satisfactory by providing precise and accurate information and up to date services. The ease of use aspect has been satisfactory with a web address thatis easy to find, helps users work and is easy to access. The form (format) aspect is not satisfactory with the appearance of the service being less attractive. The time aspect is not satisfactory for users because it does not comply with the standard reference for services using Inaportnet. Some of the obstacles that have been experienced by Inaportnet service users in carrying out the ship service process are poor service quality, network disruption, lack of science and technology, complicated usage procedures, and payment settlement problems.</text>
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                <text>Sarifuddin1*, Geeta Fedriani2, Puji Retnoningrum3</text>
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                <text>Akademi MaritimBina Bahari</text>
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                <text>Determinants Of Women’s Motivation As UMKM Actors In Improving The Family Economy In Medan City</text>
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                <text>The   research   aims   to   determine   the   determinants   that   influence   women's motivation to become UMKM actors in improving the family economy in Medan City. This research   uses   quantitative   methods   with   data   collection   techniques   collected   through questionnaires from research samples selected based on probability sampling techniques and determining  50  female  respondents  who  are  active  as  UMKM  actors.  Data  analysis  was carried out using descriptive statistical methods and multiple linear regression. The research results prove that economic factors, social factors and psychological factors explain 74.0% of UMKM  motivation  while  the  remaining  26.0%  is  explained  by  other  factors  outside  the research</text>
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                <text>Muhammad Indra Pratama1*, Isnaini Harahap2, Budi Dharma3</text>
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                <text>Universitas Islam Negeri Sumatera Utara</text>
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                <text>indrapratamaa09@gmail.com</text>
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                  <text>Vol. 5 No. 3 (2024)</text>
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                <text>Economic   Independence,   Islamic   Boarding   School,   KH   Abdullah   Syukri Zarkasyi, Implementation of Ar-Raudlatul Hasanah Islamic Boarding School</text>
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                <text>The objective of this study is to examine the strategies employed by Ar-Raudlatul Hasanah  Islamic  boarding  school  in  Medan  in  achieving  economic  independence  and  to ascertain  the  impact  of  this  independence  on  institutional  and  community  development. Adopting  a  qualitative  research  approach,  data  were  gathered  through  in-depth  interviews, observations,  and  document  analysis,  in  accordance  with  the  perspective  of  KH.  Abdullah Syukri  Zarkasyi. The  primary  findings  indicate  that  Ar-Raudlatul  Hasanah  Islamic  boarding school employs strategies, including the diversification of income sources, the establishment of  business  units,  and  the  integration  of  internal  and  external  resources  in  economic management.   These  economic  independence  measures   have   a   positive   impact   on   the development  of  pesantren  facilities  and  the  welfare  of  teachers  and  staff,  while  also facilitating the economic empowerment of the surrounding community through the provision of  various  entrepreneurship  initiatives.  However,  a  number  of  supporting  and  inhibiting factors  also  influence  the  implementation  of  these  strategies.  This  study  contributes  to  the existing  literature  on  the  economic  independence  of  Islamic  boarding  schools  and  provides practical  recommendations  for  other  Islamic  boarding  schools  seeking  to  enhance  their economic independence</text>
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                <text>Jaka Saputra1*, Maryam Batubara2, Muhammad Arif3</text>
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                <text>https://dinastipub.org/DIJEFA/article/view/2794/1854</text>
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                <text>UIN North Sumatera</text>
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                <text>jakasaputraeksya@gmail.com</text>
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                <text>The Influence of Net Interest Margin, Non-Performing Loans, and Capital Adequacy Ratio on the Stock Prices of KBMI 4 Banks</text>
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                <text>Net Interest  Margin, Non-Performing Loans, Capital  Adequacy  Ratio, Banking Stock Prices</text>
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                <text>This  study  aims  to  examine  the  influence  of  net  interest  margin,  non-performing loans, and capital adequacy ratio on the stock prices of banks classified as KBMI 4, which are listed on the Indonesia Stock Exchange (IDX) for the period from 2014 to 2021. The research employs  a  purposive  sampling  method,  resulting  in  a  sample  of  four  banking  companies. Multiple  linear  regression  analysis  is  utilized  to  analyze  the  data,  with  the  assistance  of  the Eviews  12  software.  The  findings  indicate  that  the  capital  adequacy  ratio  positively  affects banking  stock  prices,  whereas  the  net  interest  margin  negatively  impacts  them.  Conversely, non-performing loans do not exhibit a significant effect on the stock prices of these banks</text>
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                <text>Huda Trihatmoko1*, Ridarmelli2, Kevin Arya Saputra</text>
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                <text>https://dinastipub.org/DIJEFA/article/view/2781/1853</text>
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                <text>Perbanas Institute</text>
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                  <text>Vol. 5 No. 3 (2024)</text>
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                <text>The Influence of Income Level, Financial Behavior and Financial Management on Financial Well-Being in the Sandwich Generation (Study in Sukaragam Village, Serang Baru District)</text>
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                <text> Income level, financial behavior, financial management and financial well-being</text>
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                <text>This  research  is  intended  to  assess  the  influence  of  income  level,  financial behavior  and  financial  management  on  financial  well-being.  This  research  is  quantitative  in nature  and  involves  a  population  that  includes  various  variables,  such  as  age,  gender, occupation,   and   level   of  income/pocket   money   (monthly)   in   Sukaragam   village.   The sampling  method  in  this  research  used  non-probability  sampling.  Data  was  obtained  from  a number of respondents through questionnaire distribution, both conventionally and via online Google Form. Data analysis was carried out using SPSS version 26 software by applying the multiple  linear  regression  method.  Descriptive  statistical  approaches,  instrument  testing, classical  assumption  testing,  and  hypothesis  testing  were  also  used  in  the  data  analysis process  for  this  research.  The  research  results  show  that  income  level  and  financial management  do  not  have a  significant influence  on  financial  well-being.  On  the  other  hand, financial behavior has been proven to have a significant positive influence on financial well-being</text>
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                <text>DindaDewiAnjani1*, Siska Wulandari2</text>
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                <text>https://dinastipub.org/DIJEFA/article/view/2750/1852</text>
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                <text>Universitas Pelita Bangsa</text>
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                <text>08July2024</text>
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                <text>dindadewianjani@.msh.pelitabangsa.ac.id</text>
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