PENGARUH KUALITAS LAYANAN MOBILE BANKING DAN TINGKAT KEPERCAYAAN TERHADAP KEPUASAN NASABAH BANK NTB SYARIAH CABANG SUMBAWA

Penelitian ini bertujuan untuk mengetahui pengaruh secara parsial dan secara simultankualitas layanan mobile banking dan tingkat kepercayaan terhadap kepuasan nasabahBank NTB Syariah Cabang Sumbawa. Penelitian ini merupakan penelitian deskriptifkuantitatif. Jenis data yang digunakan, yaitu data primer yang didapatkan dari hasilpenyebaran kuesioner kepada para nasabah Bank NTB Syariah Cabang Sumbawa.Sampel dalam penelitian adalah 100 responden yang merupakan nasabah penggunalayanan mobile banking Bank NTB Syariah Cabang Sumbawa. Metode analisis data yangdigunakan adalah regresi linear berganda yang meliputi uji parsial, uji simultan, dan ujikoefisien determinasi. Hasil penelitian menunjukkan bahwa secara parsial dan simultankualitas layanan dan tingkat kepercayaan nasabah berpengaruh positif dan signifikanterhadap kepuasan nasabah pengguna layanan mobile banking. Selain itu, kemampuanvariabel bebas dalam menjelaskan variabel terikat berdasarkan nilai Adjusted R Squaresebesar 76,9% dan sisanya sebesar 23,1% dipengaruhi oleh variabel lain yang tidakdibahas dalam penelitian ini.This study aims to determine the effect partially and simultaneouslyquality of mobile banking services and level of confidence in customer satisfactionBank NTB Syariah, Sumbawa Branch. This research is descriptive researchquantitative. The type of data used is primary data obtained from the resultsdistributing questionnaires to customers of Bank NTB Syariah, Sumbawa Branch.The sample in the study was 100 respondents who were user customersBank NTB Syariah Sumbawa Branch mobile banking service. Data analysis methodused is multiple linear regression which includes partial test, simultaneous test, and testthe coefficient of determination. The results showed that partially and simultaneouslyservice quality and customer trust level have a positive and significant effectto customer satisfaction of users of mobile banking services. Apart from that, abilityindependent variable in explaining the dependent variable based on the value of Adjusted R Square76.9% and the remaining 23.1% is influenced by other variables that are notdiscussed in this study

The Measurement of Local Government Spending Quality with Indicators of Sustainable Local Development in Indonesia

Spending Quality becomes an important element in achieving sustainable development in Indonesia today. Through spending quality instruments, can be government control in evaluating the planning and budgeting process does. This study aims to formulate the measurement spending quality of local government and its relation to sustainable development indicators. In this study, the empirical analyses were performed using the Partial Least Squares Structural Equation Models (PLS-SEM), and also supported by Smart-PLS in handling computational work. The findings of this study suggest that the quality of expenditure is formed by five constructs (priority, allocation, time, accountability, and effectiveness), and reflected on fourteen indicators. Indicators of sustainable development is reflected by the construct Effectiveness areas related to basic services (especially education and health), infrastructure, human development and poverty eradication. Effectiveness found indicators that affected quality of spending in the current year (t), the year after (t + 1) and two years after the spending has done (t + 2). Indicators index constituent quality of spending reflects the holistic dimension of planning and budgeting system of regional development, from the planning, implementation and evaluation of performance. Completely indicator of the quality of spending, making the quality index of regional expenditures could potentially be as one of the important indicators in the management of regional development in achieving the goals of sustainable development Keywords: spending quality, local development, decentralization fiscal, PLS-SE

INOVASI PENGELOLAAN DANA SIMPAN PINJAM KELOMPOK PEREMPUAN (SPP) PADA UNIT PENGELOLA KEGIATAN (UPK) DI KABUPATEN SUMBAWA

The purpose of this research is to know the level of refund Loan Save women's groups (SPP) at Sumbawa district and analyzing the strategy of Innovation management of the Fund Save Loan group of women (SPP) at Sumbawa district. The methods used in this research is quantitative methods that use the approach of the Ex post Facto on the five Subdistrict: Subdistricts of West Base, district, sub-district of Labuhan Badas Utan, Lopok sub district, and Sub-district Lape. The collection of data by the method of observation, kuisioner, documentation and interviews. The results of this study indicate that by doing the Innovation Fund management Save Loan group of women that used to be the level of kolektibilitas above 90% to 43% This means about 47% so an increase in refund the loan. So have significant results to increased kolektibilitas. The conclusion from this study that there are several causes of occurrence of nonperforming loans include: the existence of information that is not true that this is a fund that grants provided by the Government which does not need to be restored, failed harvest, the existence of communities that migrate, and used for other purposes that are urgent.Tujuan dari penelitian ini adalah untuk mengetahui tingkat pengembalian dana Simpan Pinjam Kelompok Perempuan (SPP) di Kabupaten Sumbawa dan menganalisis strategi Inovasi pengelolaan dana Simpan Pinjam Kelompok Perempuan (SPP) di Kabupaten Sumbawa.Metode yang digunakan dalam penelitian ini adalah metode kuantitatif yang menggunakan pendekatan Ex post Facto di lima Kecamatan yaitu : Kecamatan Alas Barat, Kecamatan Utan, Kecamatan Labuhan Badas, Kecamatan Lopok, dan Kecamatan Lape. Pengumpulan data dengan metode observasi, kuisioner, dokumentasi dan wawancara.Hasil penelitian ini menunjukkan bahwa dengan melakukan Inovasi Pengelolaan Dana Simpan Pinjam Kelompok Perempuan yang semula tingkat kolektibilitas diatas 90% menjadi 43% ini berarti turun sekitar 47% sehingga terjadi peningkatan dalam pengembalian pinjaman. Sehingga mempunyai hasil yang signifikan terhadap peningkatan kolektibilitas.Kesimpulan dari penelitian ini bahwa ada beberapa penyebab terjadinya kredit macet diantaranya: Adanya informasi yang tidak benar yang beranggapan bahwa dana ini adalah dana hibah yang diberikan oleh pemerintah yang tidak perlu dikembalikan, gagal panen, adanya masyarakat yang bermigrasi, dan digunakan untuk keperluan lain yang mendesak

ANALISIS INOVASI PELAKU UMKM DALAM MENINGKATAN DAYA SAING, STUDI KASUS PADA CV KARYA IWIN INSANI DAN CV ORGANIC LOMBOK

Sabun dan kosmetik merupakan kebutuhan rutin sehari-hari untuk berbagai perawatan masyarakat baik personal care, skin care, perawatan wajah, perawatan kulit dan sebagainya. Produk yang selama ini didominasi oleh perusahaan berskala besar saat ini telah mulai dirintis UMKM dengan berbagai inovasi produk. Peneliti bermaksud untuk mengetahui bagaimana cara UMKM mengelola inovasinya. Menurut Urabe (1988) inovasi adalah segala hal yang dihasilkan melalui suatu proses yang panjang dan kumulatif, meliputi banyak proses pengambilan keputusan, mulai dari penemuan gagasan hingga ke implementasian nya di pasar. Diharapkan kemampuan inovasi UMKM dibidang sabun dan kosmetik dapat menjadi salah pendorong pengembangan UMKM NTB di bidang lainnya mampu berimplikasi terhadap peningkatan daya saing

ANALISIS PERMASALAHAN DAN PENYELESAIAN PADA PELAYANAN SERTIFIKASI HALAL DI KABUPATEN SUMBAWA

This study aims to determine the problems and solutions to halal certification services in Sumbawa Regency. This study uses a quantitative descriptive approach. The type of data used in this study is quantitative data obtained directly from primary sources using a research instrument in the form of a questionnaire. The population in this study were all business actors who were accompanied and facilitated by halal certificates in Sumbawa Regency, totaling 723 business actors. Seeing that the number of business actors who have been assisted and facilitated with halal certificates in Sumbawa Regency is relatively large, so it is not possible for researchers to study all the elements in the population, the researchers chose 20% of the total population as representatives to be the sample so that the number of respondents in this study was 145 people. Based on the results of the data analysis that has been carried out, it can be concluded that the Halal Center of Sumbawa Regency has served halal certificate applicants well, although there are several aspects that still require improvement. In each service element, there are problems faced in implementing the halal certification program in Sumbawa Regency. However, the Halal Center of Sumbawa Regency focuses its attention on efforts to provide the best possible service to the community so that it can provide the right solution to overcome these problems. This aims to foster a sense of trust and satisfaction in the community as service users

ANALISIS TINGKAT KEPUASAN MASYARAKAT TENTANG LAYANAN SERTIFIKASI HALAL DI KABUPATEN SUMBAWA

This study aims to determine the level of community satisfaction regarding halal certification services in Sumbawa Regency. This research uses a quantitative descriptive approach. The type of data used in this study is quantitative data obtained directly from primary sources using a questionnaire as an instrument for data collection. To obtain an overview of the level of public satisfaction with the performance of halal certification services organized by the Halal Center of Sumbawa Regency, a simple approach was used referring to the Minister of Administrative and Bureaucratic Regulation Number 14 of 2017 concerning measuring the index of public satisfaction with public services. Based on the results of the research that has been carried out, it is concluded that the implementation of halal certification services at the Halal Center of Sumbawa Regency generally reflects a good level of quality. The average value of SMEs after conversion is 86.53 and is in the Good Category. This means that the Halal Center of Sumbawa Regency has served halal certificate applicants well, although there are several aspects that still require improvement. The service element that received the highest assessment from respondents was the behavior of service implementers, while the service element that received the lowest assessment from respondents was the availability of service facilities and infrastructure