https://jiped.org/index.php/JSE/issue/feed Jurnal Simki Economic 2023-02-13T08:53:15+07:00 Erwin Putera Permana ojs.unpkediri@gmail.com Open Journal Systems <div style="background-color: #ebfeec; border: 2px solid #bae481; border-radius: 5px; text-align: left; padding: 5px; font-family: sans-serif; font-size: 14px; margin-left: 0px;">Jurnal Simki Economic Terbit 2 kali dalam 1 Tahun. Terbitan Berkala Ilmiah ini merupakan publikasi ilmiah di bidang bidang ekonomi seperti Manajemen, Akuntansi dan Pendidikan Ekonomi.</div> <p><br><a href="http://issn.pdii.lipi.go.id/issn.cgi?daftar&amp;1501128771&amp;1&amp;&amp;" target="_blank" rel="noopener">ISSN (<em>Online</em>) 2599-0748</a><br><a title="Web Analytics" href="https://statcounter.com/" target="_blank" rel="noopener"><img src="https://c.statcounter.com/12552572/0/c394357a/0/" alt="Web Analytics"></a> <a href="https://statcounter.com/p12552572/?guest=1">View Economic Stats</a></p> https://jiped.org/index.php/JSE/article/view/145 Minat Penggunaan Terhadap Penggunaan Sesungguhnya Quick Response Code Indonesia Standard (Qris) Di Era New Normal 2023-01-30T11:37:47+07:00 Dewi Kusuma Wardani d3wikusuma@gmail.com Anggi Nofita Sari angginov323@gmail.com <p>This study was conducted with the aim of testing the effect of interest in using the actual use of QRIS. The data in this study were obtained from 100 respondents from the University of Sarjanawiyata Tamansiswa using descriptive quantitative methods and using primary data. The sample in this study was obtained using a snowball sampling technique. The results of this study indicate that interest in using has a positive effect on the actual use of QRIS</p> 2023-01-01T13:15:44+07:00 Copyright (c) 2023 Dewi Kusuma Wardani, Anggi Nofita Sari https://jiped.org/index.php/JSE/article/view/163 Pertumbuhan Aset dan Struktur Modal Di Indonesia 2023-01-30T11:37:47+07:00 Teguh Erawati eradimensiarch@gmail.com Dersiani Mbiliyora dersianimbiliyora13@gmail.com <p>This study aims to test whether there is an effect of Return On Assets, Return On Equity, and Asset Growth on the capital structure of beverage and food companies listed on the Indonesia Stock Exchange during 2015-2019. The sample selection using purposive sampling technique resulted in 17 manufacturing companies for 5 years starting from 2015-2019, so a total sample of 80 annual reports from beverage and food companies was obtained. From the results of the research conducted, it can be concluded that the Return On Assets, Return On Equity variables have no effect on the capital structure while asset growth has an effect on the capital structure of manufacturing companies listed on the Indonesia Stock Exchange in 2015-2019.</p> 2023-01-01T13:16:45+07:00 Copyright (c) 2023 Teguh Erawati, Dersiani Mbiliyora https://jiped.org/index.php/JSE/article/view/156 Pengaruh Promosi, Kualitas Layanan dan Branding Terhadap Loyalitas Pelanggan Menggunakan Dompet Digital Shopeepay sebagai Metode dan Teknik Pembayaran 2023-01-30T11:37:47+07:00 Melva Hermayanty Saragih melva.saragih@binus.ac.id Andrew Danielle Prayitta Andrew.Prayitta@binus.ac.id <p>This study aims to determine the effect of Promotion, Service Quality, and Branding on customer loyalty using the ShopeePay digital wallet as a payment method and technique. The study used quantitative methods sourced from respondents' questionnaires as the primary source of research. The research population is the ShopeePay digital wallet users in Jakarta and the sample is 106 people as respondents. Through simple regression, the result is that there is a significant effect of the Promotion, Service Quality and Branding variables on the Customer Loyalty variable. Meanwhile, through multiple regression, the result is that there is no significant effect between Promotion and Service Quality on Customer Loyalty, but there is a significant effect between Branding on Customer Loyalty.</p> 2023-01-01T13:17:31+07:00 Copyright (c) 2023 Melva Hermayanty Saragih, Andrew Danielle Prayitta https://jiped.org/index.php/JSE/article/view/168 Corporate Social Responsibility Disclosure dan Earning Response Coefficient (ERC) Perusahaan Pertambangan Di Indonesia 2023-01-30T11:37:47+07:00 Teguh Erawati eradimensiarch@gmail.com Elisabeth Lusitania Lota Losor elisabethlosor1@gmail.com <p>The purpose of this research is to find out whether there is an influence of corporate social responsibility disclosure and Earning Response Coefficient in mining companies listed on the IDX with the research year 2012-2016. The sample selection was carried out using a purposive sampling technique and it was found that fifteen manufacturing companies had an observation period of 5 years, namely 2012-2016, so the total sample obtained was 75 annual reports of mining companies. Based on the results of the research carried out, it can be concluded that the corporate social responsibility disclosure variable does not have a positive influence on ERC, while the earning response coefficient variable have a positive effect on the IDX in 2012-2016.</p> 2023-01-01T13:18:14+07:00 Copyright (c) 2023 Teguh Erawati, Elisabeth Lusitania Lota Losor https://jiped.org/index.php/JSE/article/view/157 Pengaruh DER, ROA, ROE, NPM, dan Risiko Sistematis pada Harga Saham Perusahaan 2023-01-30T11:37:47+07:00 Nia Damayanti nia.damayanti162@gmail.com Etty Gurendrawati egurendra@unj.ac.id Santi Susanti susanti@unj.ac.id <p>This study aims to analyze the effect of Debt to Equity Ratio, Return on Assets, Return on Equity, Net Profit Margin, and Systematic Risk on companies that are members of the LQ45 Index listed on the IDX for the 2017-2019 period. Secondary data used in this research is the annual report and company financial statements, with quantitative research methods. The technique used in the selection of the sample is purposive sampling, where from 62 companies that are members of the LQ45 Index, 30 companies are obtained that meet the sample criteria. The data were analyzed using descriptive statistical analysis, estimation model selection test, classical assumption test, panel data regression analysis, and hypothesis testing. The results of this study indicate that Return on Equity and Systematic Risk have a significant effect on stock prices and Debt to Equity Ratio, Return on Assets, and Net Profit Margin have no significant effect on stock prices.</p> 2023-01-01T13:19:02+07:00 Copyright (c) 2023 Nia Damayanti, Etty Gurendrawati, Santi Susanti https://jiped.org/index.php/JSE/article/view/172 Struktur Modal dan Nilai Perusahaan Manufaktur Di Indonesia 2023-01-30T11:37:47+07:00 Teguh Erawati eradimensiarch@gmail.com Maria Kristianti Rika Nahak athynahak@gmail.com <p>This study aims to examine whether there is an effect of manegerial ownership, profitability, capital structure on firm value. In food and beverage manufacturing companies listed on the Indonesia Stock Exachange for the 2015-2017 period. The determination of the sample was carried out using a purpose sampling technique and was obtained from 17 manufacturing companies with an observation period 3 years, namely from 2015-2017 so that the total sample obtained was 51 annual reports of food and beverage companies. From this study, different result were obtained between the three independent variables, where two variables did not have a significant effect and one variable had a significant effect. The manegerial ownership variable does not have a sicnificant effect on firm value. The profitability has a significant positive result on firm value and the capital structure variable does not have a significant effect on firm value.</p> 2023-01-01T13:19:38+07:00 Copyright (c) 2023 Teguh Erawati, Maria Kristianti Rika Nahak https://jiped.org/index.php/JSE/article/view/191 Mekanisme Perubahan Anggaran Pendapatan Dan Belanja Desa 2020 (Studi Desa Plampaan Camplong Sampang) 2023-01-30T11:37:47+07:00 Titin Nurhasanah titinnurhasanah56@gmail.com Agus Sugiono agussugiono@uim.ac.id <p>The purpose of this study was to find out how the mechanism or stages of APBDes changes in Plampaan Camplong Sampang Village in 2020. This type of research is qualitative in nature with data collection using observation, interviews and documentation studies.The results of the study concluded that the mechanism or stages of changes to the 2020 Village Revenue and Expenditure Budget in the village of Plampaan Camplong Sampang had the following stages 1) Determine the reason why make the change. 2) The APBDes and RKPDes documents must be in accordance with their activities. 3) Conduct village meetings on changes to the RKPDesa and APBDes with the BPD. 4) The village secretary prepares the APBDes changes that are known by the village head. 5) Evaluating the Draft Village Regulation by the sub-district head regarding the changes to the APBDes. 6) Hold a village meeting in the context of establishing village head regulations regarding the elaboration of APBDes as well as establishing village head regulations regarding changes to APBDes with BPD based on Minister of Home Affairs Regulation No. 20 of 2018 concerning Village Financial Management and Regent Regulation No. 06 of 2018 concerning Village Financial Management.</p> 2023-01-01T13:20:16+07:00 Copyright (c) 2023 Titin Nurhasanah, Agus Sugiono https://jiped.org/index.php/JSE/article/view/187 Pengaruh Pemanfaatan Teknologi Informasi, Loyalitas, dan Work Life Balance Terhadap Kinerja Pegawai Aparatur Sipil Negara (ASN) Pada Masa Bekerja Dari Rumah Saat Pandemi Covid-19 Di Kementerian Pemberdayaan Perempuan dan Perlindungan Anak 2023-01-30T11:37:47+07:00 Andhi Bharata andhibharata27@gmail.com <p>The purpose of this study was to determine the effect of Utilization of Information Technology, Loyalty, and Work Life Balance on the performance of State Civil Apparatus (ASN) employees while working from home during the Covid-19 Pandemic at the Ministry of Women's Empowerment and Child Protection. This type of research is quantitative with data collection methods using survey techniques and distributing questionnaires. Questionnaires were distributed to 79 ASN employees at the Ministry of Women's Empowerment and Child Protection. The analysis of this study used IBM SPSS Statistics 25. The results showed that there was a simultaneous positive and significant effect of Information Technology Utilization, Loyalty, and Work Life Balance on the Performance of ASN employees at the Ministry of Women's Empowerment and Child Protection.</p> 2023-01-01T13:20:52+07:00 Copyright (c) 2023 Andhi Bharata https://jiped.org/index.php/JSE/article/view/201 Good Corporate Governance, Profitabilias, Financial Leverage dan Company Size : Income Smoothing 2023-02-13T08:53:15+07:00 Dodi Suryadi dodisuryadi@upiyptk.ac.id <p>The purpose of this study was to determine the effect of good corporate governance, profitability, financial leverage and company size on income smoothing. Sample from research. There are 60 companies in the manufacturing companies listed on the Indonesian stock exchange. The sampling technique used purposive sampling technique. Based on the analysis and discussion, the result is that good corporate governance partially has a significant effect on income smoothing with a significant value of 0.000. Profitability partially has a significant effect on income smoothing with a significant value of 0.000. Financial leverage partially has a significant effect on income smoothing with a significant value of 0.000. Partially company size has no significant effect on income smoothing with a significant value of 0.111. Good corporate governance, profitability, financial leverage and company size together have a significant effect on income smoothing with a significant value of 0.000.</p> 2023-02-02T13:55:08+07:00 Copyright (c) 2023 Dodi Suryadi https://jiped.org/index.php/JSE/article/view/171 Pengaruh Pelatihan, Pengembangan Sumber Daya Manusia dan Insentif Terhadap Kinerja Pegawai di PT. Fumindo Abdi Lestari Medan 2023-02-13T08:53:15+07:00 Julienda Br. Harahap julienda@fe.uisu.ac.id Sri Elny srielny@fe.uisu.ac.id Julkarnain Julkarnain julkarnain@fe.uisu.ac.id <p>The Effect of Training, Human Resource Development and Employee Incentives on Performance in PT. Abdi Fumindo Medan Lestari. The Purpose of this study was to determine the effect of Training, Human Resource Development and Incentives on Employee performance in PT. Abdi Fumindo Medan lestari. The method used in this research is using descriptive analysis techniques and multiple liner regression analysis. The collection method using secondary data. The results of processing, showing that the performance of the variable has a value of training on average 45.200 with a standard deviation of 3.188, subsequent to the development of a variable indicates that the average value of 42.685 with standard deviation of 3.419 and variable Incentive has an average value of 43.857 with standard deviation of 2.390. The result of Statistical tests simultaneously seen that value F 14.207, F<sub>table</sub> value obtained from the F distribution value at N=35 for Alpha= 0.05% by 4.50. This mean that the Hypothesis that if the F value is greater than the F<sub>table</sub> then the Hypothesis that there is a Positive and Significant effect of all Independent Variables and Dependent Variable ( Performance ) is acceptable. Determinants of test result obtained by value of R<sup>2</sup>=57.90, this figure shows that the changes in Performance due to changes in the variable of Training, Human Resource Development and Incentive for the remaining 57.9% change in the Performance variable due factors-a factor that is not mentioned in this study.</p> 2023-02-05T14:00:52+07:00 Copyright (c) 2023 Julienda Br. Harahap, Sri Elny, Julkarnain https://jiped.org/index.php/JSE/article/view/51 Analisis Pengaruh Jumlah Penduduk, Penduduk Usia Sekolah dan Pertumbuhan Ekonomi Terhadap Pengangguran Di Provinsi Sumatera Utara 2023-02-13T08:53:15+07:00 Azhar Apriandi azhar.apriandi@fe.uisu.ac.id M Dwi Nanda Arindi dwynanda29@gmail.com <p>The purpose of this research is to find out how the effect of population size, school-age population and economic growth on unemployment. This research was conducted in the province of North Sumatra. The data analysis technique in this study is quantitative analysis. The source of data in this study is secondary data downloaded via www.bps.go.id, especially data on population, school-age population, economic growth and unemployment in the province of North Sumatra. The analysis used is the Statistical Package for the Social Sciences (SPSS). By population (X1), school-age population (X2), economic growth (X3), and unemployment (Y). The results showed that X1 had a negative and not significant effect on Y, X2 had a negative and not significant effect on Y. X3 had a negative and significant effect on Y. It has a negative effect, meaning that the increasing the X variable, the Y variable will decrease. 92.9% of the total population, school-age population and economic growth affect the unemployment rate in the province of North Sumatra and 7.1% are influenced by other variables that are not included in the study.</p> 2023-02-05T14:01:36+07:00 Copyright (c) 2023 Azhar Apriandi, M Dwi Nanda Arindi https://jiped.org/index.php/JSE/article/view/209 Memprediksi Determinan Kinerja Karyawan Pada Sektor Perbankan BUMN Regional 2023-02-13T08:53:15+07:00 Waode Atika Sri Amaliah waodeatikasriamaliah@gmail.com Salim Basalamah salim.basalamah@umi.ac.id Sanusi Sanusi Sanusi@umi.ac.id <p>The current study aims to investigate the impact of motivation, reward, and work discipline affect the performance of employees in the regional banking sector. Multiple regression analysis based on data from 70 employees of Bank Rakyat Indonesia (BRI) Tbk. Census sampling method was performed to prove the research hypothesis. The results show a positive and significant relationship between rewards, work discipline and employee performance. In contrast, the motivation found did not play a role in improving employee performance. Theoretically, these findings provide an indication of new enrichment regarding the interaction of the synergy of motivation, rewards and work discipline to influence employee performance in an area. Managerially, leaders can develop strategic human resource management plans that are relevant to the company context.</p> 2023-02-05T14:02:29+07:00 Copyright (c) 2023 Waode Atika Sri Amaliah, Salim Basalamah, Sanusi https://jiped.org/index.php/JSE/article/view/170 Analisis Potensi Beberapa Sektor Ekonomi Kabupaten Nias Utara 2022 2023-02-13T08:53:15+07:00 Jalilah Ilmiha jalilah.ilmiha@fe.uisu.ac.id <p>This study aims to obtain the results of an analysis of the potential of several economic sectors in North Nias Regency. From 2020, 2021, to 2022 North Nias Regency has excellent potential in the agricultural, forestry and economic sectors which have contributed to the development of Gross Regional Domestic Product (PRDB) in North Nias by 52.25% based on statistical data from Nias Regency. This is contained in the Regional Innovation Strengthening System where one of the main strategies in developing an innovation system accommodates all actors to interact with each other in order to achieve common goals in the development of a region. Based on the Joint Regulation of the Ministry of Home Affairs of the Republic of Indonesia Number 3 of 2013 and the Ministry of Research and Technology Number 36 of 2012 concerning strengthening Regional Innovation Systems. In addition, with the issuance of Government Regulation Number 38 of 2017 concerning Regional Innovation which is all forms of renewal in the administration of regional government. From the results of the GRDP (Gross Regional Domestic Product) in 2016, the GRDP at current prices for Nias Regency amounted to 2,966 billion rupiah, an increase compared to 2015, which was 2,676 billion rupiah. While the GRDP at constant prices for Nias Regency is 2,214 billion rupiahs, an increase compared to 2015, which was 2,108 billion rupiahs. The economic condition of Nias Regency showed a downward movement from 6.35 percent in 2012 to 5 percent in 2015. Where the economic conditions in Nias Regency improved slightly in 2016 as indicated by an increase in economic growth to 5.71 percent.</p> 2023-02-05T14:03:05+07:00 Copyright (c) 2023 Jalilah Ilmiha https://jiped.org/index.php/JSE/article/view/153 Pengaruh Keselamatan, Kesehatan dan Kualitas Kehidupan Kerja Terhadap Kinerja Karyawan PDAM Tirtana Di Provinsi Sumatera Utara 2023-02-13T08:53:15+07:00 Sri Elny srielny@fe.uisu.ac.id Julkarnain Julkarnain julkarnain@fe.uisu.ac.id Iriani Iriani iriani@fe.uisu.ac.id <p>At this time companies are competing to achieve their goals, therefore the company is trying to manage human resources well. One of the good HR management is by paying attention to the safety and health of its employees. In addition to occupational safety and health, the company must also pay attention to and be responsible for maintaining the quality of work life and fostering the workforce so that they are willing to contribute optimally to achieve company goals. Quality of work life is a concept or management philosophy in order to improve the quality of human resources which has been known since the decade of the seventies. Quality of work life is a major issue that deserves the attention of the organization. The purpose of this study was to find out how the influence of occupational safety and health and the quality of work life on the employee performance of PDAM Tirtanadi, North Sumatra Province. The population in this study is all employees, totaling 432 people and the sample in this study amounted to 43 employees at PDAM Tirtanadi, North Sumatra Province. The results showed that Occupational Safety and Health had a positive and significant effect on the performance of PDAM Tirtanadi employees, North Sumatra Province. Quality of Work Life has a positive and significant effect on the performance of PDAM Tirtanadi employees, North Sumatra Province. Based on the significance test simultaneously on Occupational Safety and Health and Quality of Work Life together or simultaneously have a positive and significant effect on employee performance.</p> 2023-02-05T14:03:51+07:00 Copyright (c) 2023 Sri Elny, Julkarnain, Iriani https://jiped.org/index.php/JSE/article/view/169 Pengaruh Pendidikan dan Pelatihan Terhadap Prestasi Kerja Pegawai Kantor Dinas Komunikasi dan Informatika Provinsi Sumatera Utara 2023-02-13T08:53:15+07:00 Iriani Iriani iriani@fe.uisu.ac.id Julkarnain Julkarnain julkarnin@fe.uisu.ac.id M Dwiza Johanda Putra muhammadizaaa05@gmail.com <p>The problem in this thesis is that employees rarely participate in education and training programs so that it has an influence on employee performance. The purpose of this study was to determine and analyze the effect of education on the work performance of the employees of the Communication and Informatics Service of North Sumatra Province, to determine and analyze the effect of training on the work performance of the employees of the North Sumatra Province of Communication and Information Technology, to determine and analyze the effect of education and training on work performance of employees of the Department of Communication and Information Technology of North Sumatra Province. Based on the results of the study, it is known that there is a positive influence of the education variable on the work achievement variable. There is a positive effect of the training variable on the work achievement variable. Education and training simultaneously have an influence on employee performance.</p> 2023-02-05T14:04:44+07:00 Copyright (c) 2023 Iriani, Julkarnain, M Dwiza Johanda Putra https://jiped.org/index.php/JSE/article/view/207 Pengaruh Kemampuan, Motivasi dan Lingkungan Kerja terhadap Kinerja Pegawai Unit Pelaksana Teknis (UPT) PSDA di Pinrang, Sulawesi Selatan 2023-02-13T08:53:15+07:00 Nurul Pratiwi nurulpratiwi318@gmail.com Baso Amang baso.amang@umi.ac.id Zaenal Arifin Sahabuddin zaenal.arifin@umi.ac.id <p>This study aims to investigate the important factors determining employee performance in Kab. Pinrang, South Sulawesi. Three independent contructs were identified from prior research studies, namely ability, motivation, and work environment. A quantitative approach was adapted to examine the causality effects between variables. A total of 54 participants were determined as a sample, where they were permanent employees of the&nbsp;PSDA&nbsp;Task Implementation Unit (UPT) office, in Kab. Pinang, South Sulawesi, Indonesia. Data collection was performed for 2 months by disseminating a paper questionnaire. The data obtained were then tested using multiple regression. The results proved that ability, motivation, and work environment had a positive and significant impact on employee performance at Pinrang, Sul-Sel. These findings are practically beneficial as an insight and knowledge for HRM stratgies and further research guidance as well.</p> 2023-02-05T14:05:28+07:00 Copyright (c) 2023 Nurul Pratiwi, Baso Amang, Zaenal Arifin Sahabuddin https://jiped.org/index.php/JSE/article/view/213 Pengaruh Rasio Solvabilitas, Rasio Profitabilitas dan Kebijakan Dividen Terhadap Harga Saham 2023-02-13T08:53:15+07:00 Kholilur Rachman kholilur.rachman01@student.esaunggul.ac.id Ickhsanto Wahyudi ickhsanto.wahyudi@esaunggul.ac.id <p>his study aims to identify the relationship between the Solvability Ratio (DAR), Profitability Ratio (ROA) and Dividend Policy (DPR) on Stock Prices. This study utilizes information obtained from the consumer goods industry's financial reports published on the IDX, and uses a purposive sampling test method by fulfilling the exploration step. This study took observations over 3 years from 2019-2021 and obtained 75 data from 25 consumer goods industries. The research method used with the Statistical Package for the Social Sciences (SPSS) is of secondary data type. Obtained from the research shows that the Solvability Ratio (DAR) has no positive effect on Stock Prices, Profitability Ratio (ROA) has a partial and significant positive effect on Stock Prices and Dividend Policy (DPR) has no positive effect on Stock Prices.</p> 2023-02-06T12:25:44+07:00 Copyright (c) 2023 Kholilur Rachman, Ickhsanto Wahyudi https://jiped.org/index.php/JSE/article/view/219 Strategi Social Media Marketing di Masa Pandemi Covid-19 Terhadap Peningkatan Business Value UMKM 2023-02-13T08:53:15+07:00 Holmes Rolandy Kapuy holmes@unsimar.ac.id Gusstiawan Raimanu g.raimanu@unsimar.ac.id Serlia R Lamandasa serlia@unsimar.ac.id <p>This research departs from an empirical study that MSME actors must be able to utilize technology as a business strategy during the COVID-19 pandemic. Social media marketing is one of the strategies that can be taken by MSME actors in their efforts to increase business value and relationship quality with consumers. This study aims to test hypotheses based on causality between variables, namely social media marketing with online communities, interaction, sharing content, accessibility, and credibility variables on business value for MSMEs as social media users in running a business. The type of research used in this study is quantitative research with a total sample of 130 MSME respondents in the Poso Regency. The data collection technique in this study used an online survey which was distributed online through social media platforms. The data processing technique was carried out by statistical analysis of multiple linear regression using SPSS 25 software. The results showed that partially the Online Communities (X1), Sharing of Content (X3), Credibility (X5) variables affected the Business Value (Y) variable. And simultaneously, Variables Online Communities (X1), Interaction (X2), Sharing of Content (X3), Accessibility (X4), Credibility (X5) have a positive effect on Business Value (Y) with a coefficient of determination of 70% while the remaining 30% influenced by other variables not included in this study.</p> 2023-02-08T00:00:00+07:00 Copyright (c) 2023 Holmes Rolandy Kapuy, Gusstiawan Raimanu, Serlia R Lamandasa https://jiped.org/index.php/JSE/article/view/218 Purchase Decisions For Bimoli Cooking Oil Products : The Influence of Celebrity Endorse, Brand Image and Brand Trust 2023-02-13T08:53:14+07:00 Relifra Relifra relifra@adzkia.ac.id Ramadhi Ramadhi ramadhi@adzkia.ac.id Solandri Solandri solandri@gmail.com <p>Cooking oil is a basic need for Indonesian people without exception for the people of 4 villages in Sungai Liuk. Cooking oil is widely used in Indonesian food. One of the brands of cooking oil that is widely consumed is Bimoli. In this study to see the effect of celebrity endorsement, brand image and brand trust on purchasing decisions using multiple linear regression analysis with SPSS 24. The results of this study show that celebrity endorse, brand image and brand trust partially and simultaneously have a significant and positive effect on purchasing decisions for Bimoli cooking oil among consumers in 4 villages in the Sungai Liuk region.</p> 2023-02-12T16:15:11+07:00 Copyright (c) 2023 Relifra, Ramadhi, Solandri https://jiped.org/index.php/JSE/article/view/214 Kegagalan Pembayaran Premi pada Pengguna Asuransi Kesehatan Swasta 2023-02-13T08:53:14+07:00 Asriah Syam asriahsyampru@gmail.com Dyan Fauziah Suryadi dyanfausiah@gmail.com Azniah Syam azniahsyam@gmail.com <p>The increasing number of insurance policy owners who close their policies or surrender is one of the long-lasting effects of Covid-19. So it is necessary to investigate qualitatively about the things that underlie the decision making of users of private health insurance services to stop paying premiums to close their insurance policies. This study used a qualitative design with an in-depth interview approach to 10 of the best private health insurance service user informants according to Investor 2022 magazine in Indonesia between June - August 2022. Transcripts of all interview results were analyzed using thematic analysis with a theoretical framework approach to planning behavior (TPB). From the three themes it was found that the perception of obstacles is the only thing that underlies the surrender decision by users of private health insurance. Insurance companies should provide several options for premium payment restructuring schemes and product restructuring and easy access to these options so that customers can be persistent in continuing their policies.</p> 2023-02-12T20:17:28+07:00 Copyright (c) 2023 Asriah Syam, Dyan Fauziah Suryadi, Azniah Syam