MORFAI JOURNAL

PATIENT SATISFACTION MEDIATES THE INFLUENCE OF HEALTH SERVICES QUALITY AND BRAND IMAGE ON PATIENT LOYALTY

Aily — 2024-04-24

This research has the intention to see the influence of health service quality and and brand image on patient loyalty which is mediated by patient satisfaction. The respondents of this study were the patients at RS Murni Teguh Sudirman Hospital. The testing of the hypothesis was conducted using quantitative research method with the total sample of 100 patients. Data with college questionnaireare to the respondents. The analysis technique that was used was the Partial Least Square - Structural Equation Modeling (PLS-SEM) from the SmartPLS program. Based on the analyzed data, it was found that there was an influence of health service quality and brand image on patient loyalty, mediated by patient satisfaction. Based on research results, it was found that there is an influence of the quality of health service on patient satisfaction. The quality of health service does not have a direct effect on patient loyalty. Brand image has a positive effect on patient satisfaction. Brand Image has a positive effect on client loyalty. Patient satisfaction positive effect patient loyalty. Health service quality has a positive effect on patient loyalty which is mediated by patient satisfaction. Brand image has a positive influence on patient loyalty which is mediated by patient satisfaction. The hospital has provided health services and a good image at RS Murni Teguh Sudirman so increasing patient satisfaction which ultimately increases patient loyalty.

LEGAL REVIEW OF THE SALES OF NON-BPOM CERTIFIED COSMETICS IN E-COMMERCE REVIEWED FROM RI LAW NUMBER 8 OF 1999 CONCERNING CONSUMER PROTECTION AND BPOM REGULATIONS

Irmanto Brampu — 2024-04-30

With the rapid technological developments that are occurring today, it has greatly influenced the technology of the cosmetics industry in making cosmetic products easily, which has led to the proliferation of producers trading in cosmetics without distribution permits and of course this violates consumer rights as regulated by Article 4 and Article 5 of the Law. Law Number 8 of 1999 concerning Consumer Protection and Regulation of the Food and Drug Supervisory Agency Number 17 of 2023 concerning Guidelines for Cosmetic Product Information Documents. The Head of BPOM reiterated that the use of cosmetics without a distribution permit and/or containing prohibited ingredients in cosmetics in accordance with the technical requirements for cosmetic ingredients is very risky for health. Health risks that have the potential to occur due to the use of cosmetics containing prohibited ingredients in cosmetics.

THE INFLUENCE OF SOCIAL MEDIA MARKETING ON PURCHASE INTENTION APPAREL PRODUCTS

Adinda Surgana — 2024-04-24

This research aims to analyze the influence of social media marketing on intention to purchase clothing products. Social media marketing is seen from several dimensions, namely interactivity, informativeness, personalization, trendiness and WOM. Data for this research was collected through a survey method using a questionnaire as a data collection instrument. The respondents in this research were 108 respondents. This research uses a quantitative approach with multiple linear regression analysis using SPSS (Statistical Package for the Social Sciences) software. The research results show that partially Interactivity has a significant effect on the intention to buy Rabbani products, Informativeness has a significant effect on the intention to buy Rabbani products, Personalization has a significant effect on the intention to buy Rabbani products, Trendines has a significant effect on the intention to buy Rabbani products and Worth of mouth has a significant effect on the intention to buy Rabbani products. Simultaneously, interactivity, informativeness, personalization, trendiness and worth of mouth have a significant effect on the intention to purchase Rabbani products.

THE MANAGEMENT OF CULTURAL EVENTS AND TOURISM ATTRACTIONS IN THE INDONESIAN TOURISM VILLAGES

Elwisam — 2024-03-03

The exploration of tourist villages holds significant importance in endeavors to foster sustainable tourism in Indonesia. Tourist villages not only provide aesthetic appeal, cultural distinctiveness, and indigenous knowledge, but also have a beneficial impact on the economic and social advancement of local communities. The objective of this study is to examine the design and implementation of cultural event management in Indonesian tourist villages, with the aim of enhancing tourist attraction. Additionally, the study seeks to assess the impact of cultural event management on tourist experiences and identify the key factors that contribute to the success of such management in increasing tourist attraction in tourist villages. This text discusses the role of local communities in promoting the sustainability of these activities. Qualitative methods offer a comprehensive framework for investigating the intricacies and subtleties of cultural activities and their influence on tourist attractions in tourist villages. Within this framework, qualitative methods encompass various approaches, including literature reviews, participant observation, and content analysis. The findings of the study indicate that the effectiveness of cultural events in Indonesian tourist villages is not solely determined by their level of interest, but also by their capacity to foster cultural sustainability, engage local communities, and showcase the distinctiveness of the destination.

THE INFLUENCE OF THE CONSTRUCTION OF THE SITAKKURAK IRRIGATION DAM ON AREA DEVELOPMENT IN BARUS DISTRICT, CENTRAL TAPANULI DISTRICT

Bernardo Sondang H Lumban Gaol — 2024-04-30

The Sitakkurak Irrigation Dam project which is being implemented in Barus District, Central Tapanuli Regency is a form of concern for the Central Government for the people. The irrigation project is carried out by the Ministry of Public Works, Directorate General of Water Resources. The objectives of this research are to: 1) Analyze differences in farmer production before and after the construction of the Akkurak irrigation weir, Barus District, Central Tapanuli Regency, and 2) Analyze what factors influence rice farmers' production in the Sitakkurak Irrigation area, Barus District, Central Tapanuli Regency. Research was carried out in Central Tapanuli Regency regarding the Influence of the Construction of the Sitakkurak Irrigation Dam on Regional Development in Barus District, Central Tapanuli Regency. The analytical method used in this research is the t-difference test and multiple regression analysis with a total of 69 respondents. The research results showed that there was a difference in farmers' rice production before and after the Sitakkurak irrigation dam and showed a significant influence because the results of the two paired sample tests were 0.000 < 0.05. The average value of farmers' rice production before the Sitakkurak irrigation dam was 3.77 tons per planting season and the average value of rice production after the Sitakkurak irrigation dam was 4.17 per planting season. These results show that there is a difference of 0.40 per planting season. Simultaneously, the factors of land area, rice seeds, fertilizer, pesticides and number of workers have a significant effect on rice production. Partially, the factors of land area, rice seeds, fertilizer and number of workers have a positive and significant effect on rice production, while the pesticide factor has a positive and insignificant effect on rice production.

THE INFLUENCE OF CORPORATE SOCIAL RESPONSIBILITY ON EMPLOYEE PUBLIC AND WORK ENVIRONMENT ON JOB SATISFACTION AT TRANS INDO PRINCIPAL (TIU) RANTAUPRAPAT

Putri Ananda Harahap — 2024-03-03

The purpose of this research is to determine the effect of corporate social responsibility (X 1 ) on job satisfaction (Y) at PT. Trans Indo Utama (TIU) Rantauprapat. To determine the effect of corporate social responsibility to society (X 2 ) on job satisfaction (Y) at PT. Trans Indo Utama (TIU) Rantauprapat. To determine the effect of corporate social responsibility on the work environment (X 3 ) on job satisfaction (Y) PT. Trans Indo Utama (TIU) Rantauprapat. Corporate social responsibility is an aspect that must be considered in increasing job satisfaction. The corporate social responsibility that is the focus of the research is related to employees, society and the work environment. Meanwhile, job satisfaction will lead to performance and increased work effectiveness, which is oriented towards a company's profits. The sample in this research was 139 employees of PT. Trans Indo Utama (TIU) Rantauprapat. The data analysis techniques used in this research are descriptive analysis and multiple linear regression analysis. The results of this study explain that the influence of corporate social responsibility on employees (X 1 ), society (X 2 ), and work environment (X 3 ) positive and significant effect on satisfaction Work (Y). Overall job satisfaction will make the company's development faster.

THE IMPLEMENTATION OF MEDICAL TOURISM IN INDONESIA

Suadi Sapta Putra — 2024-03-03

The government and health industry in Indonesia must consider the dynamic foundation created by the opportunities and challenges in the global Medical Tourism market. The objective of this study is to assess the progress and scope of Medical Tourism in Indonesia by analyzing existing literature, as well as identifying the key factors that contribute to its effectiveness in attracting medical tourists. The employed methodology is qualitative as it allows for a comprehensive understanding of the intricacies and intricacies involved in the implementation of Medical Tourism. The research findings indicate that the government plays a crucial role in maximizing the potential of Medical Tourism in Indonesia. This is achieved through the implementation of incentive policies and effective promotions. Enhancing regulatory measures, elevating health service benchmarks, and fostering collaboration among stakeholders in the health and tourism industries are crucial measures to enhance Indonesia's appeal as a Medical Tourism hub.

IMPLEMENTATION OF FINANCIAL REPORTS BASED ON PSAK 45

Afifah — 2024-04-30

Objective: This research aims to analyze the implementation or application of the annual financial reports of non-profit organizations based on Statement of Financial Accounting Standards 45. Methodology: This research uses qualitative descriptive with sampling related to annual financial report data ending 31 December 2022 at the office Dompet Dhuafa Foundation using data collection techniques through documentation and interviews with informants as supporting material. The data analysis used is descriptive by analyzing it to draw conclusions. Results: The results of this research indicate that the Dompet Dhuafa has complied with the PSAK 45 by paying attention to each component contained in the statement. Limitations: This research cannot update the period or year of annual financial report data as research data, and the research object only focuses on one object, as well as narrow variables. Contribution: This research are expected to broaden the knowledge horizons of readers, especially for future researchers who wish to research related to the research focus raised, in this case regarding the financial reports of non-profit organizations based on PSAK 45 as part of public sector accounting science. Practical Implications: This research are certainly expected for companies, especially those operating in the field of non-profit organizations, so that through this research company management can take careful suggestions or considerations regarding PSAK 45 in the process of presenting their financial reports. Novelty: Referring to the researcher's point of view, the novelty of this research is that it obtain result in accordance with existing theory.

EFFECT OF PRIVACY SECURITY, WEBSITE CONTENT, CUSTOMER SERVICE AND ATMOSPHERIC ON E-SHOPPING INTENTION

Mirna Zahara — 2024-03-03

This research aims to analyze the influence of Privacy Security, Website Content, Customer Service and Atmosphere on E-Shopping Intention among students at the Faculty of Economics and Business, Malikussaleh University. Data for this research was collected through a survey method using a questionnaire as a data collection instrument. The respondents used in this research were 112 students from the Faculty of Economics and Business, Malikussaleh University. This research uses a quantitative approach with multiple linear regression analysis using SPSS (Statistical Package for the Social Sciences) software. The research results show that privacy/security influences e-shopping intention, website content influences e-shopping intention, customer service influences e-shopping intention, atmospheric influences e-shopping intention and simultaneously privacy/security, website content, customer service and atmosphere influence e-shopping intention.

PAI TEACHER'S EFFORTS IN INCREASING STUDENT MOTIVATION AT TAHFIZH ISLAMIC CENTER SAINS PRIMARY SCHOOL

Deni Imansyah — 2024-02-14

The aim of this research is to find out mHow PAI Teachers Efforts to Increase Student Motivation at the Tahfizh Islamic Center Science Elementary School and What Factors Influence Learning Motivation.This research is a type of quantitative descriptive research. Data collection techniques were carried out using interviews, questionnaires and documentation. Data analysis techniques use quantitative descriptive techniques with percentages. The population in this study were students of SD SAINS TAHFIZH IZLMIC CENTER through teacher efforts in improving students. In this research, it can be answered based on the problem formulation where the efforts made by the teachers in providing motivation to SAINS TAHFIZH IZLMIC CENTER Elementary School students by means ofGiving rewards, creating a comfortable learning atmosphere, Collaboration with parents, Using a variety of learning methods and media, Explaining learning objectives to students, Giving numbers, Carrying out daily tests, Giving punishments and Knowing learning outcomes and factors that motivate learning by involving all elements that come from school and outside school to be able to motivate students to learn.

THE EFFECT OF WEBSITE QUALITY, PRICE AND SERVICE QUALITY ON CUSTOMER SATISFACTION IN BUKALAPAK E-COMMERCE (CASE STUDY ON MALIKUSSALEH UNIVERSITY STUDENTS)

Alfaridho — 2024-04-24

This study aims to determine how the influence of website quality, price and service quality on Bukalapak e-commerce customer satisfaction in Malikussaleh University students. The data used in this study was primary data obtained by distributing questionnaires to 96 students who used Bukalapak. The questionnaire trial consisted of a validity test and a reliability test using Cronbach's Alpha method. The classical assumption test uses the normality test, the multicollinearity test and the heterokedasticity test. Test the hypothesis using t-test (partial), F-test (simultaneous), and coefficient of determination R2. The data analysis technique used is multiple linear regression using the help of SPSS software version 26. The results showed that the website quality variable did not affect the satisfaction of Bukalapak e-commerce customers in Malikussaleh University students. While the price and service quality variables partially have a positive and significant effect on Bukalapak e-commerce customer satisfaction in Malikussaleh University students. Meanwhile, the test results simultaneously show that website quality, price and service quality simultaneously affect the satisfaction of Bukalapak e-commerce customers in Malikussaleh University students. The results of the coefficient of determination test found that Bukalapak e-commerce customer satisfaction in Malikussaleh University students was influenced by website quality, price and service quality by 21.6%, the remaining 78.4% was influenced by variables outside this study.

THE INFLUENCE OF TRAINING, EMPLOYEE RELATIONS AND REWARDS ON EMPLOYEE JOB SATISFACTION AT AVICENNA BIREUEN HOSPITAL

Muhammad Iqbal — 2024-03-03

This research aims to determine the influence of training, employee relations and rewards on employee job satisfaction at Avicenna Bireuen Hospital. It can be seen that there are still many complaints from people who often procrastinate because there are some employees who are not yet professional in carrying out their duties and obligations, such as lack of preparation, supervision and control so that many people feel dissatisfied and excessive workload will have a negative impact on employees. The independent variables in this research are training, employee relations and rewards. Meanwhile, the dependent variable is Job Satisfaction. This type of research uses quantitative methods. Data were collected using a questionnaire containing questions and statements by distributing them to the employees concerned at Avicenna Bireuen Hospital. The scoring technique uses a Likert scale. This research was conducted on a sample of 114 employees at Avicenna Hospital Bireuen. The sampling technique uses a census or saturated sample. This research uses multiple linear regression analysis with the SPSS (Statistical Program for Social Science) program. The results of the research show that Training has no positive effect on Job Satisfaction shown by Avicenna Bireuen Hospital employees, Employee Relations has no positive effect on Job Satisfaction shown by Avicenna Bireuen Hospital employees, and Reward has a positive and significant effect on Job Satisfaction shown by Avicenna Hospital employees Bireuen.

A HISTORICAL ANALYSIS OF CHANGING STATUS OF WOMEN IN KASHMIR: CHALLENGES AND FUTURE PROSPECTS

Mr. Muneer Ahmad Dar — 2024-01-30

Abstract

The changing status of women is often assessed based on their roles and positions in social, political, and economic spheres, reflecting gender differentiation in status. The core of gender inequality lies in the unequal access to material and social resources between the sexes (Bhagat, 1990). The status of women in Kashmir has evolved over time, spanning from ancient periods to the modern age. This study aims to review the evolving status of women in the modern era.

THE EFFECT OF FINANCIAL ATTITUDE, FINANCIAL KNOWLEDGE, AND LOCUS OF CONTROL ON FINANCIAL MANAGEMENT BEHAVIOR (Study On Students of Management Departement, Faculty of Economics and Business, Malikussaleh University)

Ristati — 2024-04-24

This study aims to determine how the influence of financial attitude, financial knowledge, and locus of control on financial management behavior in students of the Department of Management, Faculty of Economics and Business, Malikussaleh University. The data used in this study is primary data obtained by distributing questionnaires to 94 students of the Department of Management, Faculty of Economics and Business, Malikussaleh University who were used as samples in this study. The data analysis technique used is multiple linear regression analysis using the help of SPSS software version 26. The results showed that financial attitude, financial knowledge, and locus of control had a positive and significant effect on financial management behavior in students of the Department of Management, Faculty of Economics and Business, Malikussaleh University.

THE INFLUENCE OF PEOPLE, PROCESS, PHYSICAL EVIDENCE ON PATIENT SATISFACTION IN A HOSPITAL CUT MEUTIA NORTH ACEH

Fitrah Rahmadhani — 2024-03-03

Patient satisfaction is a common phenomenon that poses challenges in marketing. In 2022, every year there will be ups and downs in the number of inpatients at Cut Meutia Hospital. Where in 2022 alone, the number of inpatients will only be 11,876 patients. This number decreased slightly from the previous year's number, namely 14,827 patients for 2021 at the Cut Meutia Hospital, North Aceh. The decrease in the number of patient visits is a problem that must be considered by hospital management. The decreasing number of patient visits will affect hospital income/income. Another impact is that operational activities are disrupted. A decrease in patient visits indicates that patients are disloyal which can be caused by patient dissatisfaction with the services provided by the hospital. The aim of this research is to determine the influence of people, process, physical evidence on patient satisfaction in receiving treatment at Cut Meutia Hospital, North Aceh. The population in this study were patients at Cut Meutia Hospital, North Aceh and the sample in this study was 96 respondents selected using the accidental sampling method. The data analysis method used is multiple linear regression analysis. The results of this research show that people, process, physical evidence have a significant effect on patient satisfaction in receiving treatment at Cut Meutia Hospital, North Aceh.

DEVELOPMENT PLANNING OF TIGARAS TOURISM AREA, SIMALUNGUN DISTRICT USING SWOT

Feby Milanie — 2024-04-30

Simalungun Regency in North Sumatra is one that is currently actively exploiting its tourism potential. One of the districts that surrounds the shores of Lake Toba is Simalungun District. Simalungun's goal is to increase the appearance and events of arts, culture and tourism; increasing community involvement in tourism development; promote tourism more broadly; and build more tourist attractions. SWOT analysis is an analysis that compares internal factors, namely Strengths and Weaknesses, with external factors, namely Opportunities and Threats. Strength Factors: The Tigaras Beach tourist attraction has strengths, namely having the characteristic of prawn cypress, having a large tourist attraction area, and affordable entrance ticket prices. Weaknesses: The Tigaras Beach tourist attraction has weaknesses including: easy accessibility but takes a long time, pollution from rubbish and shrimp pond waste, no provision of home stays, lack of cleanliness in bathroom facilities. Opportunities: The Tigaras Beach tourist attraction has opportunities, namely: The existence of this tourist attraction provides new employment opportunities for the local community, it can be used as a research site, and is included in the government's list of development tourist attractions. Threats: Tigaras Beach has threats, namely: a decrease in the number of tourists due to pollution from B3 waste from floating net cages around tourist attractions, resulting in the water at Tigaras Beach being polluted and having an unpleasant odor.

THE INFLUENCE OF WORK MOTIVATION, JOB SATISFACTION AND ORGANIZATIONAL CULTURE ON TEACHER PERFORMANCE AT SMK NEGERI 1 LHOKSEUMAWE

Said Afif Nabil — 2024-03-11

This research aims to determine the influence of work motivation, job satisfaction and organizational culture on teacher performance at SMK Negeri 1 Lhokseumawe. It appears that there are still many complaints from teachers who are less involved in student achievement, and some teachers want better compensation or improvements to the work environment. and teachers also feel that the policy is inadequate. Such communication patterns that are limited to formal hierarchies can limit the flow of innovative ideas. The independent variables in this research are work motivation, job satisfaction and organizational culture. Meanwhile, the dependent variable is teacher performance. This type of research uses quantitative methods. Data was collected using a questionnaire containing questions and statements by distributing it to teachers at SMK Negeri 1 Lhokseumawe The assessment technique uses a Likert scale. This research was conducted on a sample of 90 teachers at SMK Negeri 1 Lhokseumawe. The sampling technique used census or saturated samples. This research uses multiple linear regression analysis with the SPSS (Statistical Program for Social Science) program. The research results show that work motivation and job satisfaction have a positive effect on teacher performance, while organizational culture does not have a significant impact as shown by teachers at SMK Negeri 1 Lhokseumawe

THE DRIVERS OF FIRM VALUE

Rahayu Lestari — 2024-03-03

The objective of this literature review is to identify and analyze the factors that determine the value of a company, as evidenced in multiple studies. This study focuses on comprehending the determinants that impact the evaluation of a company's worth, a significant subject in the field of economics and finance. The chosen approach is Systematic Literature Review (SLR), which involves gathering and assessing relevant literature pertaining to the research topic. The results of the Systematic Literature Review (SLR) analysis indicate that financial performance, institutional ownership, capital structure, company size, corporate governance, corporate social responsibility, and dividend policy are the primary determinants of company value. The discussion emphasizes the discrepancies in research findings and contextual disparities that can influence the connection between determinants and firm value. While these findings offer a more profound comprehension of the intricate factors that influence firm value assessments, additional research is required to elucidate the precise impacts and identify particular market situations that moderate this relationship. The findings of this literature review emphasize the significance of considering multiple factors in order to comprehensively comprehend the overall value of a firm. Additionally, it highlights the need for future research to delve into the dynamics of the relationship between these factors and firm value.

THE EFFECT OF ONLINE CUSTOMER RATING, CASH ON DELIVERY PAYMENT SYSTEM, AND ONLINE CUSTOMER REVIEWS ON PURCHASING DECISIONS

Suci Mulyana — 2024-04-30

This thesis aims to find out the influence of Online Customer Rating, Cash on Delivery Payment System, and Customer Reviews on Purchasing Decisions. The research method used in preparing this thesis uses quantitative methods, with the sampling method using non-probability sampling techniques and purposive sampling techniques. The sample in this study amounted to 120 samples. The data was collected through a survey distributing questionnaires via hard copy to consumers who made purchases and also used the Bukalapak marketplace. This study uses multiple linear regression analysis methods. The results of this study found that online customer ratings (X₁) partially have a negative and significant effect on purchasing decisions (Y), cash on delivery payment systems (X₂) partially have a positive and significant effect on purchasing decisions (Y), and online customer reviews (X₃) partially have a negative and significant effect on purchasing decisions (Y). The results of this study indicate that purchasing decisions on the Bukalapak website are strongly influenced by the Cash on Delivery Payment System variable (X₂). Meanwhile, for simultaneous testing, it was found that the variables Online Customer Rating (X₁), Cash on Delivery Payment System (X₂), and Online Customer Reviews (X₃) together have an effect on purchasing decisions on the Bukalapak website.

ROLE OF PRAGMATISM AS A SCHOOL OF PHILOSOPHY TOWARDS THE EDUCATIONAL SYSTEM

Aadil Hussain Mir — 2024-03-03

The term “Pragmatic” denotes a quality characterized by the sensible handling of problems in a manner aligned with prevailing conditions, rather than adhering rigidly to fixed theories, ideologies, or regulations. In the realm of educational philosophy, Pragmatism advocates for an approach wherein education imparts practical skills essential for life and fosters personal development. Renowned educators such as John Dewey and William James espoused Pragmatist principles, which prioritize practical learning that is applicable to real-world contexts. This paper undertakes an examination of Pragmatism and its impact on education, delving into how its fundamental tenets can enhance the effectiveness of teaching and learning processes when applied..

ANALYSIS OF PRICING STRATEGY IN INTERNATIONAL MARKETING

Resti Hardini — 2024-03-03

In-depth pricing strategies in international marketing are examined in this literature review in an effort to provide a thorough understanding of the theory, impact, and conceptual framework. The background of the research emphasizes how complex international markets are and how pricing strategies must be modified to account for trade regulations, cultural variances, and market dynamics. By examining the theories of elasticity of demand, purchasing power parity, market penetration, and price differentiation, this research methodology employs a methodical literature review approach. The findings indicate that striking the correct balance between these factors is necessary for a successful pricing strategy. Demand elasticity is essential for adapting prices to the market, and relative price adjustments are guided by purchasing power parity. While price differentiation works well for high-quality products, market penetration strategies can also be beneficial in gaining market share. The talk focuses on the opportunities and new challenges that come with putting this strategy into practice. The study's conclusion highlights the significance of having a thorough understanding of environmental theories and variables when putting responsive pricing strategies into practice in global marketplaces. The ability of the business to consistently adjust to shifting global dynamics is just as important to its success as determining the appropriate prices.

JURIDICAL REVIEW OF MORTGAGE RIGHTS GUARANTEES IN CREDIT AGREEMENTS ACCORDING TO LAW NUMBER 4 OF 1996 CONCERNING MONITORING RIGHTS

Henry Aspan — 2024-04-30

Risks that generally occur in providing credit facilities are failure or delays in repayment of credit (credit risk), risks arising from market movements (market risk), risks due to the bank being unable to fulfill its maturing obligations (liquidity risk), and risks due to there are weaknesses in the juridical aspect caused by legal demands, the absence of supporting legislation (legal risks). In Article 1 number 11 of Law Number 10 of 1998 concerning Amendments to Law Number 7 of 1992 concerning Banking, the definition of credit is formulated "Credit is the provision of money or bills that can be equated with it based on an agreement or loan agreement between the Bank and the other party. others that require the borrower to pay off the debt after a certain period of time with interest." Law Number 4 of 1996 concerning Mortgage Rights on Land and Objects Related to Land and makes the interests of debtors and creditors receive legal protection from the government. The main objective of enacting the Mortgage Rights Law is, in particular, to provide legal protection for creditors if the debtor commits an unlawful act in the form of a default. If the debtor breaks his promise, the object of the Mortgage Rights is sold through a public auction according to the method specified in the applicable laws and regulations and the holder of the Mortgage Rights has the right to take all or part of the proceeds to pay off his receivables, with pre-emptive rights over other creditors.

THE INFLUENCE OF SERVICE QUALITY AND MENU DIVERSITY ON PURCHASING DECISIONS AT CAFÉ SOCOLATTE PIDIE JAYA DISTRICT

Erni Zahara — 2024-03-03

The purpose of this study was to determine and analyze the effect of service quality (Physical Evidence, Reliability, Responsiveness, Assurance, Empathy) and menu diversity on purchasing decisions at Café Socolatte, Pidie Jaya Regency. The data analysis technique used is multiple linear regression analysis using the SPSS program. The results showed that simultaneously service quality and menu diversity had a positive and significant effect on purchasing decisions at Café Socolatte, Pidie Jaya Regency. Partially, service quality, physical evidence of reliability, responsiveness, assurance, empathy and menu diversity have a positive and significant effect on purchasing decisions at Café Socolatte, Pidie Jaya Regency.

STUDENTS' LEARNING INTEREST WITH THE ZONING SYSTEM IN ISLAMIC RELIGIOUS EDUCATION SUBJECTS IN STATE HIGH SCHOOL 1 RENGAT

Zainudin — 2024-02-14

The aim of this research is to determine students' interest in learning with a zoning system in Islamic Religious Education subjects at Rengat 1 State High School and the factors that influence students' interest in learning with a zoning system. This research is a type of quantitative descriptive research. Data collection techniques were carried out using interviews, questionnaires and documentation. Data analysis techniques use quantitative descriptive techniques with percentages. The population in this study were 152 students who entered SMAN 1 Rengat via the zoning route. The sample in this study was 38 people. The sampling technique uses random sampling. The results of the research concluded that students' interest in learning with the zoning system in PAI subjects at SMAN 1 Rengat, their interest in learning was in the Very Good category, with a percentage of 81.68%. The factors that influence it consist of internal factors (feelings or emotions, motivation, talent, intelligence) and external factors (environment, infrastructure). These two factors equally influence students' interest in learning. Therefore, to achieve optimal learning interest, the participation of both is needed.

THE INFLUENCE OF SERVICE QUALITY, PRODUCT QUALITY, AND STORE ATMOSPHERE ON THE DECISION TO VISIT PADAGRAHA COFFE &; RESTO IN LHOKSEUMAWE

Nazila Firza — 2024-04-24

The purpose of this study is to determine and analyze the influence of service quality, product quality and store atmosphere on the decision to visit Graha Coffee & Resto in Lhokseumawe. This type of research uses associative research types and sampling techniques in this study using purposive sampling techniques with a total of 96 respondents. Primary data in this study were taken by distribution of questionnaires, and secondary data obtained from journals and books. The data analysis techniques used are descriptive analysis methods and multiple linear regression analysis, classical assumption tests, instrument tests (validity and reliability), hypothesis testing (t-test and F-test) using the SPSS program version 21.0. The test results showed that: 1) simultaneously influenced the decision to visit Graha Coffee & Resto in Lhokseumawe.The test results obtained a Fcalculate value of 11.346 with a significance of 0.007>0.05. thus the results of hypothesis testing on the F (simultaneous) test show the influence of service quality variables, product quality and store atmosphere together on the decision to visit. 2) paarsial influence on the decision to visit Graha Coffee & Resto in Lhokseumawe. The test results partially show that service quality (X₁) has a regression coefficient of 0.098 then H1 is accepted, product quality (X₂) has a regression coefficient of 0.005 then H2 is accepted, and store atmosphere (X₃) has a regression coefficient of 0.048 then H3 is accepted. Of the three variables, it has a significance value of <0.05, thus the results of the t test (partial) show a positive and significant influence of the variables of service quality (X₁), product quality (X₂) and store atmosphere (X₃) on the decision to visit (Y) at Graha Coffee & Resto in Lhokseumawe.