Verification Research Research Articles

Kredit Bermasalah dan Likuiditas: Dampak Terhadap Profitabilitas Bank Cabang Jatitujuh Perumda BPR Majalengka

This research aims to determine the development and influence of Problem Loans and Liquidity on Profitability at Perumda BPR Jatitujuh Branch, Majalengka Regency. This research uses descriptive methods and verification research methods with a quantitative approach. The data used in this research is secondary data in the form of financial reports of Perumda BPR Jatitujuh Branch, Majalengka Regency for 2016-2020 which were obtained directly through interviews. The number of samples in this research was 5, namely 5 years of financial reports obtained using purposive sampling techniques. Data analysis in this research uses multiple regression analysis with the help of the IBM SPSS Statistics version 25 application. The research results show that partially non-performing loans have a negative and significant effect on profitability levels and liquidity has a positive and significant effect on profitability. Simultaneously, non-performing loans and liquidity have a positive and significant effect on profitability at Perumda BPR Jatitujuh Branch, Majalengka Regency for the 2016-2020 period. It would be better for Perumda BPR Jatitujuh Branch to pay attention to the criteria for prospective customers and handle problem loans carefully so that the credit being handled runs smoothly and there are no bad debts, as well as paying attention to the quality of credit distributed to avoid problem loans so as to obtain profits or income from credit. which was distributed amidst tightening liquidity ratios.

The Influence Of Financial Literacy And Future Orientation On Pension Fund Planning Employee Human Capital PT. Bank X

This research aims to determine the influence of financial literacy and future orientation on pension fund planning. This research method used in this study is a quantitative research method with descriptive and verificative research types. The collected data is primary data obtained from the direct distribution of questionnaires to respondents. The population in this study is Human Capital Employee PT Bank X with a sample of 256. The results of the data analysis indicate that financial literacy and future orientation have an impact on pension fund planning, simultaneously and partially. So, the better the financial literacy and future orientation will increase the pension fund planning itself. Suggestions that researchers can give are by improving the financial literacy program, more detailed information on retirement fund planning options to employees, and promoting a positive future orientation.

Effects of Mg(II) doping amount on the hydration characteristics of kaolinite surface: Molecular dynamics simulations and experiments

To explore the microscopic effects of Mg(II) doping amount on the hydration characteristics of kaolinite surface, the Mg(II) ions and kaolinite were used as the subjects of research in molecular dynamics simulations and experimental verification to investigate the microscopic effects of the lattice magnesium impurity on the surface hydration of kaolinite. The results indicate that the interaction between H2O and Mg(II)-doped kaolinite (Mg(II)-Kao) surfaces, along with hydrogen bonding at the interface, gradually increase with increasing Mg(II) doping amounts, implying that Mg(II) doping significantly enhance the surface hydration of kaolinite. The hydration of the Mg(II)-doped kaolinite (001) surface (Mg(II)-Kao(001)) is stronger than that of the Mg(II)-doped kaolinite (001¯) surface (Mg(II)-Kao(001¯)) with the same Mg(II) doping amount. As the quantity of Mg(II) doping increased, the contact angle and humidity of the kaolinite surface decrease and progressively increase, respectively, signifying that the hydration level of the kaolinite surface increase. Overall, the main influence of Mg(II) doping on the surface hydration properties of kaolinite is the enhancement of hydration activity and ionic hydration. The results can provide theoretical support for further study of the real clay surface hydration mechanism, efficient treatment of clay-containing mineral processing wastewater and resource utilization of coal measure clay.

Analysis of Compensation Effect on Job Satisfaction under Foreign Capital Companies in the Manufacturing Sector

Because the level of employee satisfaction with the facilities provided by the company greatly influences the stability of the company, companies must be able to understand the needs of their employees. This study will investigate whether compensation also influences job satisfaction of foreign capital companies in the manufacturing industry in Karawang. This research uses the concept of descriptive and verification research, and the aim of descriptive research is to get an overview of the characteristics of the variable application of compensation and job satisfaction. The research results show that the compensation variables measured indicate that most middle line managers believe that employees receive compensation for all the work they do, whether in the form of money or not. So, research finds that compensation influences job satisfaction in a small way.

The Influence of Individual, Brand, and Corporate Personality on Motorbike Brand Preference

This research investigates the impact of individual, brand, and corporate personalities on brand preference among motorbike riders. Using a quantitative approach, descriptive and verificative research methods were employed to address the research problem, focusing on individual, brand, and corporate personalities’ influence on brand preference individually and collectively. Primary data were collected through questionnaires distributed to a sample of 100 members of the Aerox Bandung community. The PLS-SEM method, implemented with smartPLS 4 software, was used for data analysis, incorporating primary and secondary data sources. Results indicate that individual, brand, and corporate personalities exert both individual and collective influence on brand preference. This research contributes to marketers’ understanding of the varying degrees of influence that individual, brand, and corporate personalities hold over brand preference. Strengthening these personalities presents opportunities for creating distinctiveness and positively impacting brand preference.

Price Discount and Impulse Buying at Diamond Game Mobile Legend Bang Bang

Mobile Legends Bang Bang (MLBB) is one of the most popular mobile games in Indonesia. Since its launch in 2016. It can be played by more than one person in an area, usually 5 vs 5 and the main goal of the Mobile Legends Bang Bang game is to destroy the opponent's base. This game also utilizes in-app purchases for its monetization, and diamond is the term for money in the mobile legends Bang Bang game to make purchases in the Mobile legends Bang Bang game. Therefore, researchers are interested in conducting research on purchasing diamonds on the Mobile Legends Bang Bang site. This study aims to determine how much influence the price discount has on impulse buying in Mobile Legends Bang Bang diamonds. The research method used by the authors is descriptive and verification research, while the sample in this research is consumers of the Mobile Legends Bang Bang game. The research was conducted January – Mei 2023 with a sample of 100 respondent who were Mobile Legends Bang Bang. The data analysis technique used is a Hypothesis Test design with Validity Test, Reliability Test, Normality Test, Simple Linear Regression Analysis, Correlation Coefficient, Determination Coefficient, and t test. The results of the study show that the price discount has a significant effect on impulse buying.

The Influence of Product Quality and Promotion on Consumer Purchase Decisions

The research entitled The Influence of Product Quality and Promotion on Purchasing Decisions is a study of how big the influence of the quality of the products produced by the company and the promotional activities carried out to support marketing, resulting in purchasing decisions made by consumers. This research uses a descriptive and verification research design, with quantitative testing research methods. Descriptive analysis in this research uses continuum line analysis and verification analysis uses path analysis. The results of the analysis show that the quality of the products produced by the company is in the moderately improved category, this is supported by promotional activities carried out by the company which are considered quite good by respondents. Judging from the relationship and the magnitude of the influence between the variables studied, it shows that the quality of the product and promotions, both simultaneously and partially, have a positive relationship and have a significant influence on consumer purchasing decisions. Of the two variables studied, product quality has a greater influence than promotion on consumer purchasing decisions.

Developing a Creative Entrepreneurship Education Model to Enhance Student’s Creativity and Innovation for Successful Completion of the Independent Entrepreneurship MBKM Program

In this study, the objective is to develop an innovative educational model for fostering creativity and innovation in aspiring entrepreneurs using the "learning by doing" approach, specifically through practical business experiences. The aim is to cultivate creativity and innovation among students, equipping them with the skills needed for entrepreneurial endeavors. By integrating students' creativity and innovation into entrepreneurship education, the research aims to instill an entrepreneurial mindset and contribute to reducing the high unemployment rate among educated individuals in Indonesia. This research was carried out at Udayana University's Faculty of Tourism, focusing on alumni who had completed entrepreneurship courses. The study employed a descriptive and verification research approach, with data presented as percentages and detailed descriptions. A purposive sampling technique was utilized, targeting undergraduate students who had taken entrepreneurship courses, resulting in a sample size of 100 individuals. Structural Equation Modeling (SEM) analysis using the Lisrel 8.0 software was the chosen analytical tool. The SEM analysis revealed that the t-values for both student creativity (6.80) and student innovation (6.56) exceeded the critical t-value of 1.85 at a 5% error rate. This led to the rejection of the null hypothesis (Ho) and the acceptance of the alternative hypothesis (Ha).

Factors Affecting Profitability: Empirical Study of Sharia Commercial Banks in Indonesia for the 2018-2022 Period

This study aims to find out how the effect of Intellectual Capital, Islamicity Performance Index and Corporate Social Responsibility on Profitability. This type of research is descriptive and verification research using a quantitative approach. The population in this study are Islamic Commercial Banks in Indonesia for the 2018-2022 period. The sampling technique uses purposive sampling, the samples used in this study amounted to 9 bank with a 5 years period of observation to 45sample data. the data used in this research is secondary data. The data analysis method in this study is descriptive, classical assumption test, multiple linear, coefficient of determination, model feasibility test and hypothesis testing with SPSS version 25 software tools. The results of this study indicate that intellectual capital affects profitability, meaning that the higher the intellectual capital, the lower the profitability. The Islamicity Performance Index affects Profitability, meaning that the higher the Islamicity Performance Index, the higher the profitability. And Corporate Social Responsibility has no effect on Profitability. Intellectual Capital, Islamicity Performance Index, and Corporate Social Responsibility have an effect on Profitability.

The Effect of Barista Service Quality on Dine-in Customer Satisfaction at the Starbucks Experience Bar Buah Batu, Bandung, During the Covid-19 Pandemic

This research discusses the development of the tourism industry in the city of Bandung, especially in the context of the COVID-19 pandemic on the adaptation required by the Food Beverage (FB) culinary business, with an emphasis on the Barista's role as a service provider to consumers. The research method used is a survey with a quantitative approach that is descriptive and verificative. The results of this descriptive study show that both Barista service quality and customer satisfaction are in the high category. The results of the verification research show that of the 5 exogenous variables (reliability, responsiveness, certainty, empathy, and tangibles) which are assumed to affect overall customer satisfaction, the hypothesis can be accepted. Testing the hypothesis using the F-test and T-test, the results show that service quality has a positive effect on customer satisfaction. The T-test for the variable service quality on customer satisfaction also yields similar conclusions, namely that service quality affects customer satisfaction. The F test for price and service quality on customer satisfaction shows that service quality has a significant impact on customer satisfaction. Overall, this study concludes that service quality which includes reliability, responsiveness, certainty, empathy, and tangibles from baristas has a positive and significant effect on customer satisfaction in the Starbucks experience at Bar Buah Batu Bandung during the COVID-19 pandemic.

Pengaruh Kualitas Layanan Dan Fitur Terhadap Minat Penggunaan Berkelanjutan Mobil Banking BRI Dengan Kepuasan Pengguna Sebagai Variabel Intervening (Studi Pada Mahasiswa Universitas Muhammadiyah Metro Pengguna M-Banking BRI)

Bank Rakyat Indonesia (BRI) presents a banking application called BRI Mobile (BRIMo).The use of the Mobile Banking application also encountered various obstacles including thequality of the services provided in the application and related to features that can meet theneeds of customers in conducting financial transactions. This study aims to determine theeffect of service quality and features on interest in sustainable use with user satisfaction asan intervening variable for students using BRI Mobile Banking at Muhammadiyah MetroUniversity. The research design is quantitative research or verification research. Thevariables in this study are service quality, features, satisfaction and interest in continuoususe. The population and sample of the study were students of the Management StudyProgram, Faculty of Economics and Business, University of Muhammadiyah Metro Batch2018 with the number of samples taken as many as 68 students. Data collection techniquesusing questionnaires. The analytical tools used are data quality analysis and Path Analysiswith the SPSS program. The results showed that service quality, features and satisfactionpartially had a positive and significant effect on the interest in sustainable use. Satisfactiondoes not significantly increase the effect of service quality and features on interest insustainable use.

Pengaruh Keamanan Data, Tingkat Bunga, Biaya Admnistrasi Dan Kecepatan Persetujuan Terhadap Minat Penggunaan Pinjaman Online (Studi Kasus Pada Mahasiswa Prodi Manajemen Universitas Muhammadiyah Metro)

Improving the consumptive behavior of the community including students with the proliferation of market place applications, one of which is currently in great demand by students is the Shopee marketplace. This behavior is also followed by the ease with which people shop now by paying for their goods using the pay latter facility. The purpose of this study was to determine the effect of data security, interest rates, administrative costs and speed of approval on the interest in using online loans for students of the Muhammadiyah Metro University Management Study Program. The research design is quantitative research or verification research. The methods used in this study are data security, interest rates, administrative fees, speed of approval and interest in using online loans. The population and sample of the study were students of the Management Study Program, Faculty of Economics and Business, University of Muhammadiyah Metro Batch 2018 with the number of samples taken as many as 68 students. Data collection techniques using questionnaires. The analytical tool used is data quality analysis and multiple linear regression analysis with SPSS program. The results showed that data security, interest rates, administrative fees, speed of approval partially or simultaneously influenced the interest in using online loans for Shopeepaylater.

DAMPAK SUASANA TOKO, KUALITAS LAYANAN DAN HARGA HAMMER STOUT TERHADAP MINAT BELI ULANG KONSUMEN

The purpose of this study is to ascertain how pricing, service quality, and store atmosphere affect consumers' inclination to repurchase Hammerstout products in Bandung. The study examines three independent variables: pricing, service quality, and store environment. Repurchase interest, on the other hand, is the dependent variable. Descriptive and verification research methods were employed in this study. The study's population consists of Hammerstout customers, the exact number of whom is unclear. With a sample size of 150 respondents, non-probability sampling combined with purposive sampling is the method employed in this study. In the meanwhile, multiple linear regression analysis is the analytical technique employed in this study, with a significance threshold of 5% for the coefficient of determination. The study's findings indicate that Hammerstout consumers' repurchase interest can be influenced by shop atmosphere, service quality, and price. These variables can account for 58.2% of the dependent variable's explanation, with other factors accounting for the remaining 41.8%.
 Keywoard: Store atmosphere, Service Quality, Price and Repurchase Interest

Employee Performance: Effects of Competence and Compensation

The purpose of this research is to determine and analyze employee competency, employee compensation, employee performance, the extent of the influence of competency on employee performance, the extent of the influence of compensation on employee performance, and the extent of the influence of competency and compensation on employee performance in one of the local government agencies in Bandung Regency. The research method used by the author is descriptive and verification research to identify the significant relationship between the variables under investigation, thus producing conclusions that will describe the object being studied. The research results show that competency has a total influence on employee performance of 7.2%, while compensation has a total influence on employee performance of 70%. The total influence of the independent variables on the dependent variable is 77.2%, while the remaining 22.8% is influenced by other variables outside the scope of this study. The implications of the research indicate that having good competency combined with adequate compensation can enhance employee performance.

Effect of Work Discipline and Organizational Culture on Employee Performance

This study aims to comprehensively examine and evaluate the work discipline, organizational culture, and performance of employees at a government agency located in Bandung Regency. Additionally, the research aims to determine the degree of influence that work discipline and organizational culture has on employee performance within the government above agency. The author employed a research methodology that falls under descriptive and verificative research. This approach was utilized to determine the significant relationship between the variables under investigation, ultimately leading to conclusions that accurately describe the research object. The participants in this study consisted of 32 employees who were selected as respondents from a government agency located in Bandung Regency. The findings of this research demonstrate that (1) Work Discipline exhibits a positive and statistically significant impact on Employee Performance, and (2) Organizational Culture also displays a positive and statistically significant influence on Employee Performance. The relationship between work discipline and organizational culture has been found to have a positive and statistically significant impact on employee performance.

Effect of Intrinsic Motivation and Competence on Employee Performance

This study aims to ascertain how intrinsic motivation and skilfulness affect employee performance in one of Bandung's highway development and operation enterprises. Both descriptive and verificative research techniques are employed. A sample of 39 employees from one of the highway development and operation companies in Bandung were polled to gather data and information for the study. It is clear from the research's path analysis findings that the intrinsic motivation variable has a favourable impact on employee performance. Employee performance is positively influenced by the competence variable. According to the conclusions and recommendations drawn from the research, management should preserve and enhance motivation and competence.

Purchase decision in terms of content marketing and e-WOM on social media

This study examined how Generation Z consumers decide whether or not to buy skincare products based on Marketing Content and Electronic Word-of-Mouth (e-WOM) on Instagram. The study was conducted quantitatively, employing descriptive and verification research techniques. The study employed analytical techniques such as multiple linear regression analysis to discover that, while e-WOM had no influence on purchase decisions, marketing content had a moderate influence. However, a simultaneous examination of marketing content and electronic word-of-mouth revealed a significant influence on purchasing decisions. As a result, when viewing skincare products online, potential customers' perceptions of content marketing and e-WOM would influence their decision-making process, potentially leading to a purchase decision.

Social Media Followers Influence Banking Stock Prices In Indonesia

Background. Progress in a country can be seen from the development of the capital market, because the capital market plays a very important role in transforming and advancing a country's economy so that it grows and develops. Indonesia is a country known to be rich in natural resources, so the development of capital markets in Indonesia is a step towards sustainable economic development. Purpose. The purpose of this study is to determine the effect of social media on the economic, social and political sectors. Method. The research used is quantitative research with descriptive and verification research methods. Results. The result of this study is that the influence of the number of social media followers on the share price of banks in Indonesia shows a positive correlation between the two. In this context, banks need to utilise social media more effectively as a marketing tool, pay attention to reputation risk management, improve transparency and communication with investors, and strengthen the role of regulators in monitoring the impact of social media.. Conclusion. With this research, there is a finding that in the field of social media, there are variables that influence the financial sector, in this case, company finances, namely the number of followers of a social media platform will influence stock prices. This should be a concern for stakeholders in the business sector to pay attention to social media developments occurring in Indonesia

Asparagus: Automated Synthesis of Parametric Gas Upper-Bounds for Smart Contracts

Modern programmable blockchains have built-in support for smart contracts, i.e. ‍programs that are stored on the blockchain and whose state is subject to consensus. After a smart contract is deployed on the blockchain, anyone on the network can interact with it and call its functions by creating transactions. The blockchain protocol is then used to reach a consensus about the order of the transactions and, as a direct corollary, the state of every smart contract. Reaching such consensus necessarily requires every node on the network to execute all function calls. Thus, an attacker can perform DoS by creating expensive transactions and function calls that use considerable or even possibly infinite time and space. To avoid this, following Ethereum, virtually all programmable blockchains have introduced the concept of “gas”. A fixed hard-coded gas cost is assigned to every atomic operation and the user who calls a function has to pay for its total gas usage. This technique ensures that the protocol is not vulnerable to DoS attacks, but it has also had significant unintended consequences. Out-of-gas errors, i.e. ‍when a user misunderestimates the gas usage of their function call and does not allocate enough gas, are a major source of security vulnerabilities in Ethereum. We focus on the well-studied problem of automatically finding upper-bounds on the gas usage of a smart contract. This is a classical problem in the blockchain community and has also been extensively studied by researchers in programming languages and verification. In this work, we provide a novel approach using theorems from polyhedral geometry and real algebraic geometry, namely Farkas’ Lemma, Handelman’s Theorem, and Putinar’s Positivstellensatz, to automatically synthesize linear and polynomial parametric bounds for the gas usage of smart contracts. Our approach is the first to provide completeness guarantees for the synthesis of such parametric upper-bounds. Moreover, our theoretical results are independent of the underlying consensus protocol and can be applied to smart contracts written in any language and run on any blockchain. As a proof of concept, we also provide a tool, called “Asparagus” that implements our algorithms for Ethereum contracts written in Solidity. Finally, we provide extensive experimental results over 24,188 real-world smart contracts that are currently deployed on the Ethereum blockchain. We compare Asparagus against GASTAP, which is the only previous tool that could provide parametric bounds, and show that our method significantly outperforms it, both in terms of applicability and the tightness of the resulting bounds. More specifically, our approach can handle 80.56% of the functions (126,269 out of 156,735) in comparison with GASTAP’s 58.62%. Additionally, even on the benchmarks where both approaches successfully synthesize a bound, our bound is tighter in 97.85% of the cases.

Verification of a Modeling Toolkit for the Design of Building Electrical Distribution Systems

DC electrical distribution systems offer many potential advantages over their AC counterparts. They can facilitate easier integration with distributed energy resources, improve system energy efficiency by eliminating AC/DC converters at end-use devices (e.g., laptop chargers), and reduce installation material, time, and cost. However, DC electrical distribution systems present additional design considerations, largely resulting from potentially greater magnitude and variation in cable losses. Modeling and simulation are rarely used to design such systems. However, the greater dependency of DC system energy efficiency on design choices such as distribution voltages, architecture, and integration of PV and BESS suggests that modeling and simulation may be required. Such system performance analysis is currently not a standard practice, in part due to limited availability and validation of capable software tools. This paper characterizes the accuracy of a Modelica-based Building Electrical Efficiency Analysis Model (BEEAM) toolkit, as a precursor for validating its use to perform system performance analysis and inform design decisions. The study builds upon previous verification research by characterizing complete systems comprised of commercially available equipment, and providing a more detailed analysis of simulation results. Five lighting systems with varying electrical distribution architectures were designed using market-available equipment, installed in a laboratory environment, modeled using BEEAM, and simulated using three Modelica integrated development environments (IDEs). Simulated and measured results were compared to characterize toolkit accuracy. Initial results revealed that simulated performance was mostly within ±5% of measured system-level and device-level performance. While simulation results were not found to be dependent on the IDE, some Modelica compiler interoperability issues were identified. Although the BEEAM toolkit showed promise for the targeted use case, further work is needed to determine whether the demonstrated 5% accuracy is sufficient for making real-world design decisions, and for BEEAM to advance from an interesting research tool to one that can impact real-world building projects.