Journal of Management : Small and Medium Enterprises (SMEs)

POLICY TO SUPPORT THE FINANCING OF MICROENTREPRENEURS

Nsengiyumva Théogène — 2024-11-01

The objective of this article is to explain the determinants of access to credit in formal financial institutions for microenterprises by non-traditional factors, namely the possession of a mobile account without having an account in traditional financial institutions, the fact of being a member of a tontine or a mutual aid association. The methodology used is based on the estimation of the logit model with data from the Integrated Household Living Conditions Survey for 2019-2020 (EICVMB, 2019-2020) of the National Institute of Statistics of Burundi (INSBU). All other things being equal, the main results show that i) having a mobile banking account has a positive effect on access to credit (0.02751%), ii) even if the microentrepreneur does not have a traditional account (0.0322%), iii) and that being a member of a tontine or mutual aid association has a negative effect on access to credit (-0.02723%). For tontine groups to be a genuine source of finance for micro-businesses, especially those in rural areas, and thereby help to increase financial inclusion, these results call on the political authorities and financial service providers to work in synergy to develop the use of mobile banking in the provision of financial services, to develop appropriate support infrastructures, and to set up support modules for tontine groups, especially in rural areas.

Keywords: Mobile Banking; Tontine or Mutual Aid Association; Financing; Microenterprise; Burundi

FINANCIAL TECHNOLOGY, BANK INTERMEDIATION, AND PERFORMANCE OF SMALL AND MEDIUM SCALE ENTERPRISES IN NIGERIA

Sopelola Tolulope Abiodun — 2024-11-01

The performance of the small and medium-scale enterprises is a function of internal and external factors, which are challenges for the enterprises to consider in their internal operations that spur the contribution to economic development. The inability to align with financial technology and the availability of bank intermediation prowess could retard their supposed contribution to economic development due to poor levels of performance. In the peculiarity of these challenges, this study examines the combined effect of financial technology and bank intermediation on small and medium-scale enterprises' performance. The study adopted time series data from the Central Bank Statistical Bulletin from 2019 to 2022 but was converted to quarterly data to accommodate the ordinary square least regression. The findings from the short-run results in accordance with the bound test revealed that point-of-sale, loan-to-deposit ratio, liquidity ratio, and interest rate have a positive significant effect on credit for small and medium-scale enterprises, while automated teller machines and deposit mobilization have a negative significant effect on credit for small and medium-scale enterprises. It is therefore recommended that financial institutions also reconsider their reliance on ATMs in SME operations, as it has a substantial negative impact. Encouraging web-based payment systems could also be beneficial, though further studies are needed to assess their full potential. Strengthening financial indicators like loan-to-deposit ratios and liquidity ratios should be prioritized to enhance credit provision. Additionally, financial institutions should explore alternative deposit mobilization strategies that do not constrain credit flow to SMEs.

Keywords: Financial Technology; Bank Intermediation; SME’s Performance; Interest Rate

EXAMINING OF POST-PANDEMIC CHALLENGES FACED BY THE SMALL AND MEDIUM-SIZED ENTERPRISES (SMES) IN SYLHET REGION

Md Riaj Uddin — 2024-11-01

This study examines the context of the small and medium business (SME) environments for enterprising conditions in Sylhet following COVID-19. This article aims to highlight the most common legal hurdles small enterprises face during business management. 52 proper samples were randomly selected from the SMEs; these are common in the area. It has been utilizing various blended approaches which include qualitative and quantitative ones. Some of these business categories include retail, pharmacy, restaurant, mobile repair shops, and fast food. The research used both the structured and unstructured, a critical appraisal based on prior research on organizational learning. This paper emphasizes the importance of SMEs in the economic progress of the Sylhet region. However, with all these possibilities, there are numerous problems that an SME is faced with. Among them are limited access to finance, sourcing requirement of inputs, high operating costs, unfavorable market conditions, and impacts from shifting politically unstable environment.

Keywords: Entrepreneurial Environment; Sylhet-Based SMEs; Economic Growth; Funding Challenges

FACTORS DETERMINING USE OF INTERNATIONAL FINANCIAL REPORTING STANDARDS FOR SMALL TO MEDIUM SIZE ENTITIES (IFRS FOR SMES) IN ZIMBABWE

Sherman Moyo — 2024-11-01

Small and medium enterprises are the backbone of most African economies, contributing significantly to economic growth, employment creation, and sustainable development in these economies, yet the SMEs face survival challenges, with few going beyond five years. In Zimbabwe, SMEs drive employment creation, contribute to the gross domestic product (GDP), and promote livelihoods, alleviating poverty in a country where the formal sector is dwindling. As the country struggles to address economic challenges and strives to promote economic growth, the adoption of the IFRS for SMEs is pivotal for enhancing transparency, strengthening domestic revenue mobilization, attracting investment, and facilitating access to financing. This study investigates the factors influencing the adoption of International Reporting Standards for SMEs (IFRS for SMEs) in Zimbabwe. The research addresses a gap in the literature by comprehensively identifying factors that impact the adoption of the IFRS for SMEs reporting framework in a developing economy. This research utilizes stratified and cluster sampling techniques. The findings reveal that the needs of financial statement users, the legal structure of an SME, the level of accounting expertise within an SME, and the outsourcing of accounting services are key determinants of IFRS for SMEs usage in Zimbabwe.

Keywords: IFRS; SMEs; Financial Statement; Zimbabwe

THE ROLE OF GAMIFICATION TO INTENTION THROUGH ATTITUDE ON MARKETPLACE APP ADOPTION

Lady Lady — 2024-11-01

This research aims to examine the social influence and shopping motivation in shaping attitudes towards marketplace applications within the context of gamification, as well as to explore how gamification in e-commerce has been shown to increase visitor numbers. The approach used by researchers is a quantitative approach with associative method, with data collection through distributing questionnaires to 337 respondents who has played marketplace app games in Indonesia. The data were analyzed using SmartPLS. The test results show that social influence, recognition, reciprocal benefits have a significant influence on attitudes. However, hedonism does not have a significant influence on attitudes. Meanwhile, attitude also shows a strong mediating influence in linking social influence, recognition, reciprocal benefits to continuous use intentions, but cannot mediate hedonic with continued use intentions and intention to spread WOM. This research explores the relationship between the variables such as social influence, recognition, reciprocal benefit, and hedonic value, which are mediated by attitude to continued use intention and intention to spread WOM in marketplace app, which have hardly been discussed in previous research.

THE INFLUENCE OF APPARATUS COMPETENCE, INTERNAL CONTROL, AND WHISTLEBLOWING ON THE PREVENTION OF FRAUD IN VILLAGE FUND MANAGEMENT WITH RELIGIOSITY AS A MODERATING VARIABLE

Ummul Aimanah — 2024-11-01

This study aims to determine the effect of apparatus competence, internal control, and whistleblowing on the prevention of fraud in village fund management, as well as the role of religiosity in moderating apparatus competence, internal control, and whistleblowing. This study uses a quantitative methodology. The Batin XXIV sub-district's village apparatus is included in the study's population. Purposive sampling was the method of sampling employed in this investigation, yielding a sample size of sixty respondents overall. PLS (Partial Least Square) is the data analysis technique used in this study, and SmartPLS software version 4.0.9.6 was used to process the data. The results of this study indicate that apparatus competence, internal control, and whistleblowing have a positive and significant effect on the prevention of fraud in village fund management. Religiosity does not moderate the relationship between apparatus competence and the prevention of fraud in village fund management, nor does it moderate the relationship between internal control and the prevention of fraud in village fund management. However, religiosity can moderate the relationship between whistleblowing and the prevention of fraud in village fund management.

Keywords: Apparatus Competence; Internal Control; Whistleblowing; Religiosity; Fraud Prevention

THE EFFECT OF INFLATION AND UNEMPLOYMENT ON THE ECONOMIC GROWTH OF TUAL CITY

Ikram Mubarak Djodding — 2024-11-01

Inflation turns out to have quite a big impact on the economic growth of Tual City. High inflation rates can hinder economic development in the area. In addition, unemployment greatly hinders economic growth. Low economic growth can be caused by high levels of unemployment because it reduces investment and consumer confidence. These results have major implications for the city government and related stakeholders in Tual City in their efforts to develop sound economic policies. Sustainable economic growth requires measures to control inflation and reduce unemployment rates. Good monetary policy as well as training and job search programs can help solve this problem. This research has several problems, including the small sample size and the potential impact of uncontrolled variables on economic growth. Research on the influence of inflation and unemployment on economic growth in Tual City can be expanded by considering additional relevant variables.

Keywords: Inflation; Unemployment; Economic growth; Tual City; Multiple Linear Regression

PENGARUH WORK-LIFE BALANCE TERHADAP EMPLOYEE ENGAGEMENT PADA PEGAWAI BIRO SUMBER DAYA MANUSIA KEMENTERIAN KEUANGAN RI

Putri Auriel Chaniago — 2024-11-01

The level of competitiveness of Indonesian human resources (HR) in the world is recorded to have risen four ranks to position 47 based on the results of the Institute for Management Development World Talent Ranking (IMD WTR) 2023 research. The Indonesian Ministry of Finance realizes that one of the greatest strengths in an organization to achieve this lies in its human resources (HR). This study aims to identify the perceptions of employees of the Ministry of Finance's HR Bureau regarding work-life balance and employee engagement and to analyze the influence of work-life balance dimensions on employee engagement. The methods used are descriptive analysis and multiple linear regression analysis with SPSS 26. The results of the study show that employee perceptions of work-life balance and employee engagement are classified as good criteria, then the work-life balance has an effect on employee engagement, then there are two variables, namely Work Interference Personal Life and Personal Life Interference Work have an effect on employee engagement. The variables Work Enhancement of Personal Life and Personal Life Enhancement of Work have no effect on employee engagement. It can be concluded that employees can distinguish and understand their roles and responsibilities both in work and in their personal lives when working.

Keywords: Employee engagement; Ministry of Finance; Work-life balance

DAMPAK PENILAIAN PRESTASI, MOTIVASI, DAN DISIPLIN KARYAWAN ATAS PROMOSI JABATAN

Reina Damayanti — 2024-11-01

This study examines the effect of performance appraisal, work motivation, and discipline on promotion at PT Pertamina Patra Niaga IT Kertapati Palembang. The population in this study were employees who worked at PT Pertamina Patra Niaga IT Kertapati Palembang with a total of 159 employees. Sampling was carried out using the probability sampling method, and then a sample of 62 employees who will be the respondents was generated. The measurement scale used in this study is the Likert scale. This research uses analysis techniques of validity test, reliability test, classic assumpton test, simple regression analysis, multiple linear regression analysis, coefficient of determination (R2), and hypothesis testing which consists of F test (simultaneous) and t-test (partial). The results of this study concluded that partial and simultaneous assessment of work performance, motivation, and work discipline had a significant effect on promotion at PT Pertamina Patra Niaga IT Kertapati Palembang.

Keywords: Performance Appraisal; Motivation; Work Discipline; Job Promotion

PENGARUH SIKAP, NORMA SUBJEKTIF, DAN CITRA MEREK TERHADAP KEPUTUSAN PEMBELIAN PADA SUKA SALAD SIDOARJO

Maryam Wiyar Margie — 2024-11-01

This research was conducted to analyze the influence of attitudes, subjective norms, and brand image on purchasing decisions at Suka Salad Sidoarjo. This research uses quantitative methods using multiple linear regression testing and using the Statistical Program for Social Science (SPSS) version 25 application. The data source in the research is all Suka Salad consumers in Sidoarjo. The sampling technique in the research uses a non-probability sampling method with an accidental sampling technique. The research results show that Attitude influences Purchasing Decisions at the Suka Salad Sidoarjo restaurant, Subjective Norms have an influence on Purchasing Decisions at the Suka Salad Sidoarjo restaurant, and Brand Image has an influence on Purchasing Decisions at the Suka Salad Sidoarjo restaurant. By understanding consumer behavior regarding purchasing decisions for healthy food products, this research has the potential to support sustainable economic growth and encourage wiser consumption behavior in purchasing food products.

Keywords: Attitude; Subjective Norm; Brand Image; Purchase Decision

ANALISIS RETURN ON ASSETS (ROA), LOAN TO DEPOSITS RATIO (LDR) DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) UNTUK MENILAI KINERJA PERBANKAN PADA PT BANK RAKYAT INDONESIA (PERSERO) Tbk

Katarina Syukur Arniwati Gea — 2024-11-04

This study aims to analyze the financial performance of PT Bank Rakyat Indonesia (Persero) Tbk during the 2016-2020 period using Return on Assets (ROA), Loan to Deposit Ratio (LDR), and Operating Expenses to Operating Income (BOPO) as the main indicators. The data used is the annual financial reports of BRI, which are processed using a descriptive quantitative approach. The results show that BRI's ROA declined from 2.67% in 2016 to 1.29% in 2020, but remained above the minimum bank health threshold. The LDR fluctuated during this period, with the highest ratio at 89.5% in 2018, but it did not meet the healthy bank ratio standard. BOPO also decreased, yet it did not reach the expected efficiency level as per Bank Indonesia's standard. Overall, BRI demonstrated healthy asset productivity performance but requires operational efficiency and fund utilization improvements. This study recommends enhancing liquidity and operational efficiency to improve the bank's overall financial performance.

Keywords: Financial Performance; Return On Assets, Loan to Deposit Ratio; Beban Operasional Pendapatan Operasional

ANALISIS PENGARUH PERILAKU KONSUMEN PADA INFLUENCER MARKETING DAN PACKAGING PRODUK TERHADAP KEPUTUSAN PEMBELIAN PRODUK REYSHAKA INTERIOR

Fathimatuz Zahroh — 2024-11-04

This study seeks to assess the influence of influencer marketing and product packaging on the purchasing decision of the Reyshaka Interior product. The research used a quantitative descriptive design. The survey included 270 participants, including a sample of 100 long-time consumers of Reyshaka Interior. Data gathering methods entail distributing surveys to participants. Partial Least Squares Structural Equation Modeling (PLS-SEM) is employed for data analysis. The study started in November 2023 and was completed in March 2024. The study reveals that influencer marketing and product packaging significantly influence purchase decisions for the Reyshaka Interior product. The predominant element is the influencer marketing variable, which surpasses consumer behavior. Consumer behavior can significantly influence purchasing decisions through influencer marketing and products.

Keywords: Influencer Marketing; Product Packaging; Purchasing Decision

MARKETING STRATEGY OF SUPER LEDRE AS A TRADITIONAL SNACK AND SOUVENIR OF BOJONEGORO REGENCY: CASE STUDY OF LEDRE SUPER MORO TRESNO IN PADANGAN DISTRICT, BOJONEGORO

Della Agfy Dwi Andriyani — 2024-11-04

Ledre Super is a brand of traditional snacks typical of Bojonegoro Regency located in Padangan District Bojonegoro. Over time, many new ledre businesses have sprung up, and in today's modern era, many modern snacks have also sprung up, which can shift public interest and consumption. This study analyze the internal and external factors and the right strategy to increase sales volume. The methods used in this research are SOAR and QSPM. The results of the research that was done using the IE matrix based on the IFE matrix were 3.184, and the EFE matrix was 3.301. The formulation of alternative strategies using the SOAR matrix results in a market development strategy, market penetration, product development, horizontal integration, and backward integration, while the priority strategy is horizontal.

Keywords: Marketing Strategy; Traditional Snacks; Ledre

KINERJA PENGELOLAAN KEUANGAN DESA DI DESA SUKA RAYA, KECAMATAN PANCUR BATU, KABUPATEN DELI SERDANG

Safira Damayanti — 2024-11-04

The purpose of this study is to identify and describe how the community views on Village Financial Management and how the Performance of Village financial management in Suka Raya Village, Pancur Batu District, Deli Serdang Regency. This study uses descriptive research methods with a qualitative approach. Data collection techniques were carried out by interview, observation, documentation, literature, and secondary data. Research informants came from the Village Government, the Village Consultative Body (BPD), and community leaders. The results of this study are as follows: First, the performance responsiveness of the Suka Raya Village Government is still lacking because the village government is less responsive in dealing with problems in the community. Second, the responsiveness of the village government has carried out activities in implementing the program in accordance with the principles of correct administration or in accordance with organizational policies. Third, the accountability of the village government is not fully responsible for what has been done because there are still complaints from the community.

Keywords: Performance; Village Financial Management; Responsiveness; Responsiveness; Accountability

PENGARUH HARGA DAN KUALITAS PRODUK TERHADAP KEPUTUSAN KONSUMEN MEMBELI PUPUK UREA NITREA PRODUKSI PUPUK INDONESIA DAN BRAND IMAGE SEBAGAI VARIABEL INTERVENING

Irvan Afandi Muktar — 2024-11-04

This research aims to analyze the effect of price and product quality on purchasing decisions and its impact on brand image as an intervening variable among consumers who buy Urea Nitrea fertilizer. The population in this study consists of consumers who have purchased Urea Nitrea fertilizer at the agricultural store CV. Tani Anda Mandiri, with a sample of 100 farmers. The sampling technique used is purposive sampling, and the data analysis method employed is path analysis with the Sobel test using the SPSS 29 data processing application. The research results show that price has a direct and significant influence on purchasing decisions, product quality has a direct and significant influence on purchasing decisions, price has a direct and significant influence on brand image, product quality has a direct and significant influence on brand image, brand image has a direct and significant influence on purchasing decisions, price has an indirect and significant influence on purchasing decisions through brand image, and product quality has an indirect and significant influence on purchasing decisions through brand image.

Keywords: Price; Product Quality; Purchasing Decision; Brand Image

PENGARUH BUDAYA ORGANISASI, LINGKUNGAN KERJA, DAN MOTIVASI KERJA TERHADAP KINERJA KARYAWAN UMKM KONVEKSI SETIA KAWAN

Ismartaya Ismartaya — 2024-11-07

The purpose of this study is to ascertain how Konveksi Setia Kawan MSME employees' performance is impacted by organizational culture, work environment, and work motivation. Organizational culture, work environment, and work motivation were the independent variables employed in this study, and 46 individuals were sampled. Meanwhile, the dependent variable used in this research is employee performance. The research data was collected using questionnaires. The analytical method used is the multiple linear regression method. The results of this research show that 1) organizational culture has a positive and significant effect on employee performance; 2) the work environment has a positive and significant effect on employee performance; 3) work motivation has a positive and significant effect on employee performance; 4) organizational culture, work environment, and work motivation have a positive and significant effect on the performance of Konveksi Setia Kawan MSME employees.

Keywords: Organizational Culture; Work Environment; Work Motivation; Employee Performance

ANALISIS PLACE ATTACHMENT DAN FAMILIARITY TERHADAP DESTINATION LOYALTY PADA PENGUNJUNG PANTAI DI KOTA BATAM

Dame Afrina Sihombing — 2024-11-08

This study evaluates how place attachment and familiarity influence destination loyalty among beach visitors in Batam. This research was structured based on a quantitative approach to validate the hypotheses that have been suggested. The target population in this research is tourists who visit beaches in Batam. The data collected is then analyzed using statistical analysis techniques such as the t-test. Based on the test, it was found that 50.2% of the influence exerted on the dependent variable came from the independent variable, while the remaining 49.8% resulted from other factors not included in this research model. The conclusions of this research confirm that place attachment and familiarity significantly influence destination loyalty and can be considered critical elements in retaining tourists in the Batam beach destination.

Keywords: Place Attachment; Familiarity; Destination Loyalty

PENGARUH GRATIS ONGKOS KIRIM, KEPERCAYAAN, DAN ONLINE CUSTOMER REVIEW TERHADAP KEPUTUSAN PEMBELIAN PADA E-COMMERCE SHOPEE

Rohmawati Nur Khasanah — 2024-11-08

This research aims to determine the effect of free shipping, trust, and online customer reviews on purchasing decisions on e-commerce Shopee in Tambakrigadung Village. This type of research is quantitative research. The population in this study are customers who online shopping through Shopee in Tambakrigadung Village. The sampling technique used a purposive sampling method using the Slovin formula to obtain a sample size of 100 respondents. The data collection technique uses online questionnaire distribution via Google Form which has been tested for validity and reliability. The data analysis technique used classical assumption tests, multiple linear regression, coefficient of determination, t-test, and f-test using SPSS 26. The results of this research state that the free shipping, trust, and online customer review variables partially and simultaneously influence purchasing decisions on e-commerce Shopee in Tambakrigadung Village. The trust variable is the most dominant variable among other variables on purchasing decisions.

Keywords: Free Shipping; Trust; Online Customer Review; Purchasing Decisions

PENGARUH RASIO PROFITABILITAS, LIKUIDITAS, DAN LEVERAGE TERHADAP FINANCIAL DISTRESS PADA PERUSAHAAN SUB INDUSTRI TEKSTIL YANG TERDAFTAR DI BURSA EFEK INDONESIA

Miadiarti Yolanda — 2024-11-08

Financial distress is a condition in which the company experiences financial difficulties before being in a state of bankruptcy. This study aims to obtain empirical evidence on the effect of profitability, liquidity, and leverage ratios on financial distress in textile subsector companies listed on the Indonesia Stock Exchange between 2017-2021. This study uses quantitative methods with descriptive and associative approaches and uses binary logistic regression analysis methods. The sample used amounted to 10 companies with an observation period of 5 years with 50 data as a research sample. Partially, the profitability ratio proxied by ROA and the liquidity ratio proxied by CR affect financial distress. While partially the leverage ratio proxied by DER does not affect financial distress. Simultaneously, financial distress for textile companies trading on Indonesia's stock exchange is affected by profitability ratios derived from ROA, liquidity ratios derived from CR, and leverage ratios derived from DER.

Keywords: Profitability; Liquidity; Leverage; Financial Distress

PENGARUH KUALITAS PRODUK, KEPERCAYAAN MEREK DAN SOCIAL MEDIA MARKETING TERHADAP KEPUTUSAN PEMBELIAN LIPSTIK WARDAH DI KOTA SURABAYA

Angie Arni Giovani Sianturi — 2024-11-08

In the era of rapid technological advancement, companies need to devise the right strategies and enhance innovation to attract consumers and excel in the dynamic market competition. This study aims to investigate the influence of product quality on purchasing decisions, examine the impact of brand trust on purchasing decisions, and explore the effect of social media marketing on purchasing decisions. The study employs a quantitative approach. The population consists of Wardah lipstick consumers in Surabaya City, and a sample of 120 respondents is drawn. Purposive sampling is utilized as the sampling technique. Data collection is conducted using questionnaires, and a Likert scale is employed to measure the variables in the study. The analysis technique used is partial least squares (PLS) analysis with the aid of SmartPLS software. The findings of the study reveal that product quality and brand trust significantly influence purchasing decisions. However, social media marketing does not significantly impact purchasing decisions.

Keywords: Product Quality; Brand Trust; Social Media Marketing; Purchasing Decisions

PENGARUH GAYA HIDUP HEDON, KUALITAS PRODUK, DAN WORD OF MOUTH TERHADAP KEPUTUSAN PEMBELIAN SEPEDA LISTRIK DI KOTA JUWANA

Fauzi Mulyono — 2024-11-09

An electric bike, also known as an e-bike or power bike, could be a sort of bike that employs an electric motor as a control source. This thinks about points to get the relationship between hedonic style, product quality, and word of mouth on buying decisions of electric bikes. This investigation centers on individuals who purchase and utilize electric bikes in Juwana. The sampling technique is non-probability sampling. The data analysis utilized such as validity, reliability, normality, multicollinearity, heteroscedasticity, linear regression, and hypotheses test. The study found that hedonic lifestyle, product quality, and word of mouth influence buying decisions for electric bikes.

Keywords: Hedonistic Lifestyle; Product Quality; Word of Mouth; Buying Decision

PENTINGNYA PENDIDIKAN DAN KETERAMPILAN DALAM MENINGKATKAN ETOS KERJA PEGAWAI DI KANTOR KECAMATAN ULUGAWO KABUPATEN NIAS

Saforius Gori — 2024-11-09

Until now, an employee's level of education at the Ulugawo District Office in Nias Regency has been ignored and has not fully supported the improvement of employee performance, as there is a lack of employee discretion in carrying out their duties, decision-making authority is still limited, and there is a lack of feedback. The research aimed to examine the importance of education and skills in improving employee ethics at the Ulugawo District Office in Nias Regency. The qualitative research methodology was applied. The study's findings demonstrate that having an education and qualifying abilities might assist enhance the work ethic of employees at the Ulugawo Sub-District Office. Higher education usually provides an improved understanding of employees' tasks and obligations. Qualified skills may also help employees do their tasks more efficiently and successfully.

Keywords: Work Ethic; Education; Skills

PENGARUH KUALITAS PRODUK, KUALITAS PELAYANAN DAN PROMOSI TERHADAP KEPUTUSAN PEMBELIAN PADA NIRWANA COFFEE SPACE BOJONGGEDE

Muhammad Diki Pratama — 2024-11-10

This study aims to determine the relationship between product quality, service quality, and promotion on purchasing decisions at Nirwana Coffee Space Bojonggede. The population in this study were consumers of Nirwana Coffee Space Bojonggede. This study involved 100 respondents who were collected using the distribution of questionnaires using accidental sampling techniques. Multiple linear regression analysis was used to determine the correlation between the variables studied by using SPSS 24 software. The results showed that product quality, service quality, and promotion had a significant effect on purchasing decisions at Nirwana Coffee Space Bojonggede. Furthermore, product quality, service quality, and promotion simultaneously influence purchase decisions.

Keywords: Product Quality; Service Quality; Promotion; Purchasing Decision

PENGARUH BEBAN KERJA DAN KOMPENSASI TERHADAP TURNOVER INTENTION DENGAN KEPUASAN KERJA SEBAGAI VARIABEL INTERVENING PADA KARYAWAN PT HONORIS INDUSTRY

Ismartaya Ismartaya — 2024-11-10

This study aims to test the direct effect of workload and compensation on turnover intention through job satisfaction with 100 workers from PT Honoris Industry as the sample. Study findings revealed that workload has a direct, negative, and significant effect on job satisfaction, and compensation has a positive and significant effect directly on job satisfaction. Workload has a positive and significant direct effect on turnover intention and compensation has a negative and significant effect directly on turnover intention. Job satisfaction can mediate the indirect influence of workload on employee turnover intentions and job satisfaction can mediate the indirect positive and significant influence of compensation on turnover intention.

Keywords: Workload; Compensation; Turnover Intention; Job Satisfaction

PENGARUH BRAND AWARENESS DAN RELIGIUSITAS TERHADAP KEPUTUSAN PEMBELIAN CUSTOMER PRODUK PRO ISRAEL

Adelia Putri Nazti Maulana — 2024-11-10

Garnier, a new product from PT. L'oreal Indonesia offers affordable prices and various variants with the latest innovations. However, political and religious controversies involving Israel often create negative perceptions of pro-Israel products. The focus of this research is the analysis of the influence of Brand Awareness and Religiosity on customer Purchasing Decisions of pro-Israel products on Garnier products at Abel Store. This study aims to determine the influence of Brand Awareness and Religiosity on Purchasing Decisions. This study used a sample of 105 respondents with the method of quantitative analysis and processed using Smart PLS. The results of this study show that Brand Awareness and Religiosity have a positive and significant effect, partially and simultaneously.

Keywords: Brand Awareness; Religiosity; Purchasing Decisions

PENGARUH KEPUASAN KERJA DAN PROFESIONALISME TERHADAP KINERJA PEGAWAI KANTOR WALIKOTA BANDAR LAMPUNG

Farah Adila Rahma — 2024-11-11

This research aims to analyze the influence of job satisfaction and professionalism on employee performance in the Bandar Lampung Mayor's Office, especially the Protocol and Leadership Communication section. Job satisfaction reflects an employee's positive attitude towards their work, while professionalism is related to skills and responsibilities in carrying out duties. The study uses a quantitative method with purposive sampling. Data was collected through a questionnaire distributed to 60 respondents. The study results show that job satisfaction and professionalism have a positive and significant effect on employee performance. These findings suggest that organizations need to pay attention to employee job satisfaction and professionalism factors to improve performance.

Keywords: Job Satisfaction; Profesionalism; Employee Performance

“I CAN’T RESIST TIKTOK”: EXPLORING THE INFLUENCE OF CELEBRITY ENDORSEMENT, PARASOCIAL INTERACTION, AND FOMO ON GEN-Z PURCHASE INTENTION

Rizal Boy Oktavian — 2024-11-11

This research aimed to examine the influence of celebrity trustworthiness, celebrity attractiveness, parasocial interaction, and fear of missing out (FOMO) on purchase intention among TikTok users in the management student community. The population consisted of active undergraduate management students at the Universitas Pembangunan Nasional "Veteran" Jawa Timur who use TikTok. The sampling technique employed was purposive sampling based on specific criteria. The study utilized a quantitative approach, and data was collected through a survey questionnaire. The key findings revealed that celebrity attractiveness and FOMO had a significant positive influence on purchase intention, while celebrity trustworthiness and parasocial interaction did not contribute to purchase intention. In conclusion, marketers should focus on leveraging celebrity attractiveness and creating a FOMO effect to effectively target the Generation Z consumer segment on the TikTok platform.

Keywords: Celebrity Endorsement; Parasocial Interaction; FOMO; Purchase Intention; Generation Z

PENGARUH KOMPETENSI, GAYA KEPEMIMPINAN, DAN PELATIHAN TERHADAP KINERJA GURU DI SMPN 1 JEMBER JAWA TIMUR

Triyan Febriandika — 2024-11-11

The quality of a school is reflected in teacher performance, which significantly impacts overall education quality. Teacher performance is the outcome of tasks performed based on skills, experience, commitment, and time management. Assessing this performance is crucial for identifying obstacles and rectifying errors to achieve learning goals. At SMPN 1 Jember, teacher performance is commendable, meeting 80% of the school target, yet teachers often struggle with administrative duties, which can detract from classroom focus. This study aims to determine whether competence, leadership style, and training individually and collectively influence teacher performance at SMPN 1 Jember. Using multiple linear regression with SPSS 29 software, the research employs a saturated sampling method, involving all 48 teachers at SMPN 1 Jember. Findings indicate that competence and leadership style positively and significantly impact teacher performance, while training has a negative yet significant effect. Collectively, competence, leadership style, and training positively and significantly influence teacher performance at SMPN 1 Jember.

Keywords: Teacher Performance; Competence; Leadership Style; Training

PENGARUH FAKE BUYER DAN FAKE REVIEW TERHADAP PURCHASE INTENTION PRODUK FASHION PADA MARKETPLACE SHOPEE DENGAN TRUST SEBAGAI VARIABEL INTERVENING

Rafida Aviola Hana Fauziya — 2024-11-12

This study aims to determine the effect of fake buyers and fake reviews with trust as a mediating variable on purchase intention. This study employs a quantitative research approach, drawing on a sample of 105 sellers from the Shopee marketplace. Data collection was conducted through the distribution of online questionnaires via Google Forms, with each question item evaluated using a Likert scale. For data analysis, the Partial Least Squares (PLS) method was utilized, and processed through the SmartPLS 4 software. The findings reveal that both fake buyers and fake reviews exert a positive impact on consumer trust. Furthermore, fake buyers and consumer trust influence purchase intention, whereas fake reviews do not directly affect purchase intention. However, trust plays a mediating role in the relationship between fake buyers and fake reviews with purchase intention. These results underscore the pivotal role of trust as a mediator in the dynamics between fake buyers, fake reviews, and purchase intention. Sellers should not only rely on short-term tactics such as fake buyers and fake reviews but also implement sustainable and ethical marketing strategies to build long-term consumer trust and loyalty.

Keywords: Fake Buyer; Fake Review; Purchase Intention; Trust

PERANAN SUSTAINABLE HRM PRACTICE TERHADAP JOB SATISFACTION DAN TURNOVER INTENTIONS PADA PERUSAHAAN MANUFAKTUR DI KOTA BATAM

Ridhayati Farid — 2024-11-13

This study aims to determine the impact of sustainable HRM practices on job satisfaction and turnover intentions, using work as a mediator. Sustainable HRM practice is an independent variable, while the dependent variable consists of job satisfaction and turnover intentions. This study uses the mediating variable, namely the meaning of work. The research was conducted by covering the population of employees of manufacturing companies in Batam City and collecting data using Google Form questionnaires. There were 330 respondents used as samples in this study, using PLS-SEM with Smart PLS 3 and SPSS software. The results of this study prove that sustainable HRM practice affects job satisfaction and turnover intentions. Meaning of work can affect job satisfaction. The results of this study also prove that sustainable HRM practice can affect job satisfaction with the meaning of work as a mediating variable.

Keywords: Sustainable HRM Practices; Job Satisfaction; Turnover Intentions; Meaning of Work

PENGARUH GAYA KEPEMIMPINAN DAN BUDAYA ORGANISASI TERHADAP DISIPLIN KERJA DENGAN MEDIASI MOTIVASI KERJA PADA PEGAWAI DISPORABUDPAR GROBOGAN

Nurul Khomariyah — 2024-11-13

This research aims to determine the influence of leadership style and organizational culture on work discipline, with work motivation role as an intervening variable among employees of the Disporabudpar office in Grobogan Regency. The independent variables in this research are leadership style and organizational culture. The dependent variable is work discipline, with work motivation acting as a mediating variable. This research used a quantitative method with a questionnaire as the instrument. The sample in this research consisted of 76 employees selected using the census method. The analysis was structural equation modeling (SEM) using the SmartPLS analysis tool. The results of this research show that leadership style and organizational culture have a significant positive effect on work motivation. Motivation has a positive and significant effect on work discipline, and leadership style and organizational culture have been proven to have a positive and significant effect on work discipline. The motivation variable mediate the relationship between leadership style and organizational culture on work discipline.

Keywords: Discipline; Motivation; Leadership Style; Organizational Culture

ANALISIS RASIO KEUANGAN DALAM MEMPREDIKSI PERTUMBUHAN LABA PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI)

Winda Moniarsih — 2024-11-13

This research aims to test the hypothesis of Financial Ratio Analysis in Predicting Profit Growth in Banking Companies Listed on the Indonesia Stock Exchange (BEI). This research uses quantitative methods. The population in this study was 47 banking companies listed on the Indonesia Stock Exchange (BEI). The sample in this research consisted of 12 companies with data on 60 banking companies. The sampling technique uses purposive sampling with the criteria of all banking companies listed on the Indonesia Stock Exchange (BEI). The data analysis technique in the research uses the classic assumption test, which consists of the normality test, multicollinearity test, heteroscedasticity test, autocorrelation test, multiole linear analysis, hypothesis testing consisting of the t test (partial) and f test (simultaneous), and the coefficient test determination (R2). The results of the t test hypothesis test concluded that partially Return On Asset (ROA) had no effect on profit, Net Profit Margin (NPM) has no effect on profit growth, Return On Equity (ROE) has a positive effect on profit growth. Meanwhile, simultaneously. Return On Asset (ROA) had no effect on the profit growth, Net Profit Margin (NPM) had no effect on profit growth, and Return On Equity (ROE) has a positive effect on profit growth. It can be concluded that there is a significant influence of the variables Return On Asset (ROA), Net Profit Margin (NPM), and Return On Equity (ROE) together on the variable profit growth.

Keywords : Return On Asset (ROA); Net Profit Margin (NPM); Return On Equity (ROE); Profit Growth

ANALISIS PENERAPAN STANDAR OPERASIONAL PROSEDUR (SOP) DALAM MENINGKATKAN EFEKTIFITAS KINERJA PEGAWAI PADA KANTOR CAMAT MA’U KABUPATEN NIAS

Noni Netralis Gulo — 2024-11-13

Standard Operating Procedures are guidelines or references for carrying out work tasks under the functions and performance assessment tools of government agencies. This research aims to analyze the application of standard operating procedures (SOP) in improving the effectiveness of employee performance at the Ma'u District Head Office, Nias Regency. This research was carried out as a qualitative type of research with a descriptive approach because this type of research aims to describe and analyze phenomena, events or social activities that are occurring currently at the Mau Subdistrict Office, Nias Regency. The results of this research are: SOP implementation has been implemented but in this case, efficiency has not yet been implemented according to existing Administrative Service SOPs in carrying out duties and responsibilities, so processing letters by the public takes too long. In this case, the obstacles are due to work delays, discrepancies, non-compliance with existing procedures, and limited and delayed information. Efficiency and consistency are necessary in implementing SOPs to maximize existing work.

Keywords: Standard Operating Procedures; Employee Effectiveness; Employee Performance

ANALISIS PEMENUHAN KEBUTUHAN EKONOMI RUMAH TANGGA PETANI KENTANG DI DESA TOSARI KECAMATAN TOSARI KABUPATEN PASURUAN

Dimas Puji Utomo — 2024-11-14

The selling price of potatoes fluctuated, and the rising production input costs affected income, leading farmers to work in off-farm and non-farm sectors to meet household economic needs. The research aimed to analyze potato farming income as well as total household income and expenditures. The sampling method used purposive sampling, with a total of 60 respondents. This study employed income analysis and descriptive analysis. The results showed that the income from potato farming was Rp13,465,899.12 per planting season. The total household income of the farmers was Rp20,993,565.78 over four months, consisting of on-farm, off-farm, and non-farm income sources. Household expenditures amounted to Rp7,116,555.56, which included food and non-food expenses.

Keywords: Farming; Income Analysis; Farmers' Households

ORGANIZATIONAL CITIZENSHIP BEHAVIOR (OCB) KARYAWAN BERBASIS EFIKASI DIRI DAN BUDAYA ORGANISASI DENGAN KOMITMEN ORGANISASI SEBAGAI VARIABEL INTERVENING

Tini Kartini — 2024-11-14

The research objectives are to examine the influence of self-efficacy and organizational culture on organizational citizenship behavior (OCB) with organizational commitment as an intervening variable. A sample of 100 respondents used the purposive sampling method. Data research methods use descriptive, verification, and path analysis. This study found that self-efficacy has a direct positive and significant effect on organizational commitment, organizational culture has a direct positive and significant impact on organizational commitment, organizational commitment has a direct positive and significant effect on employee OCB, self-efficacy has a direct positive and significant impact on OCB employees, organizational culture has a direct positive and significant effect on employee OCB, organizational commitment is able to mediate the influence of self-efficacy on employee OCB, and organizational commitment is able to mediate the impact of organizational culture on employee OCB.

Keywords: Self Efficacy; Organizational Culture; Organizational Citizenship Behavior; Organizational Commitment

PENGARUH SEMANGAT KERJA, DISIPLIN KERJA, DAN KEPUASAN KERJA TERHADAP KINERJA GURU SMA NEGERI 1 PAMOTAN

Arifatur Rohmah — 2024-11-15

This research aims to test the relationship between working spirit, working discipline, and job satisfaction on teacher performance in SMA Negeri 1 Pamotan. This study's participants are the high school teachers in SMA Negeri 1 Pamotan, totaling 32 civil servant teachers. Data was obtained from respondents with the research instrument using a questionnaire. Sampling techniques using saturated sampling or census. Data analysis techniques using multiple linear regression. The study's results show that working spirit and working discipline have a non-significant positive impact, and the study’s findings indicate that teachers' performance is significantly improved by job satisfaction. The results of the determination test for the variables working spirit, working discipline, and job satisfaction were able to explain variations in teacher performance variables of 70.1%.

Keywords: Working Spirit; Working Discipline; Job Satisfaction; Teacher Performance

PENGARUH MOTIVASI KERJA DAN DISIPLIN KERJA TERHADAP KINERJA KARYAWAN DI BPJS KESEHATAN CABANG BANDAR LAMPUNG

Siska Mutiara — 2024-11-16

This study aims to analyze the effect of work motivation and discipline on employee performance at BPJS Kesehatan, Bandar Lampung branch. Good employee performance is crucial in achieving organizational goals. Factors such as work motivation, including rewards and incentives, and work discipline, such as punctuality and adherence to company regulations, play an important role in improving productivity. This research uses a quantitative method with data collection through questionnaires distributed to 44 respondents. The results of the analysis show that work discipline has a significant impact on employee performance, while work motivation does not have a significant partial effect. However, simultaneously, both variables have a significant influence on employee performance. Therefore, BPJS Kesehatan is expected to focus more on developing work discipline programs and improving the motivation system to enhance employee performance.

Keywords: Work Motivation; Work Discipline; Employee Performance

EXPLORING DEBT FINANCING OPTION FOR SME’S : A SYSTEMATIC LITERATURE REVIEW

Jery Wardiman — 2024-11-16

The development and success of small and medium-sized enterprises (SMEs) are highly dependent on accessible and suitable financing options. This article provides an in-depth review of various SME financing sources, examining the benefits, drawbacks, and impacts of each option, including fintech lending, traditional bank financing, and venture capital. The findings offer a systematic understanding of SME finance dynamics. Results indicate that while venture capital can accelerate growth, it often raises challenges related to sustainability and governance. In contrast, bank financing provides stability but is hindered by high interest rates and complex bureaucratic processes. Fintech financing offers rapid access and ease but comes with heightened security and risk assessment concerns. The study suggests that SMEs should align funding choices with their unique needs and characteristics. Additionally, regulators and stakeholders are encouraged to increase their knowledge and safeguards in response to the expanding fintech lending market. Future research could explore innovative, eco-friendly financing solutions to meet SMEs' evolving needs. This article contributes valuable insights to stakeholders, supporting the sustainable growth of SMEs.

Keywords: SME Financing; Debt Financing; Fintech Lending; Bank Financing; Venture Capital

PENGARUH LINGKUNGAN KERJA, MOTIVASI, DAN KERJASAMA TIM TERHADAP PRESTASI KERJA GURU DAN KARYAWAN

Kenyshia Afifah Disty Rahmadani — 2024-11-16

This study aims to analyze the effects of work environment, motivation, and teamwork on the productivity of instructors and workers. This quantitative analysis used data from 130 workers. This inquiry uses purposive sampling as its methodology. The study's results demonstrate that the work environment, motivation, and Teamwork each have a positive and significant influence on job performance.

Keywords: Work Environment; Motivation; Teamwork, Work Performance

PENGARUH SERTIFIKASI HALAL DAN BRAND IMAGE TERHADAP KEPUTUSAN PEMBELIAN PADA PRODUK MIXUE DI PALEMBANG

Erdiansyah Erdiansyah — 2024-11-16

This study aims to analyze the influence of halal certification and brand image on purchasing decisions on Mixue products. This study employs a quantitative methodology. A non-probability purposive sampling method was used to collect samples. This research was conducted by distributing questionnaires to 100 respondents who had purchased Mixue products at least once. The results of the research were carried out using classical assumption tests, which include normality tests, multicollinearity tests, heteroscedasticity tests, multiple linear regression analyses, determination coefficient analyses, t-tests, and F-tests. The results of the research show that, partially, there was a significant influence between halal certification and brand image on purchase decisions. And simultaneously, there is a significant influence between halal certification and brand image on purchasing decisions. The value of the R-squared determination coefficient indicated that the independent variable contributed as much as 66.1% of the dependent variable.

Keywords: Halal Certification; Brand Image; Purchase Decision

BOOSTING LUXCRIME SALES: TIKTOK MARKETING CONTENT'S IMPACT ON IMPULSE BUYING WITH PRODUCT REVIEWS MODERATION

Syahvina Bianca Isman — 2024-11-16

This research aims to investigate the impact of TikTok marketing content on impulsive purchasing moderated by product reviews, focusing on cosmetic products with the highest sales in Indonesia, specifically Luxcrime as the brand under study. The research method employed is quantitative research involving 100 respondent samples. Data management was conducted using Smart-PLS 4.0. The findings reveal that, without considering the contribution of the moderating variable, TikTok marketing content significantly influences impulsive purchasing. However, when considering the moderating effect of product reviews, TikTok marketing content does not significantly affect impulsive purchasing. The study also found that TikTok marketing content and product reviews collectively explain 40.9% of the variance in impulsive purchasing behavior. In conclusion, impulsive purchasing of Luxcrime cosmetic products can be significantly influenced by TikTok marketing content. Furthermore, product reviews were found to not significantly influence TikTok marketing content and impulsive purchasing when serving as a moderating variable, but they may have a significant impact on TikTok marketing content when acting as an independent variable

Keywords: TikTok Marketing; Impulsive Purchasing; Cosmetic Products; Luxcrime; Product Review

KEBERHASILAN USAHA BERBASIS KOMPETENSI DAN MOTIVASI

Dwi Gemina — 2024-11-17

This study aims to determine how competence and motivation affect the business performance of MSMEs partially and simultaneously in Cicurug District. The population is 105 business actors in Cicurug District in 2022. A sample of 70 individuals was obtained by purposive sampling. The primary data utilized in this research is from primary sources. Data analysis employs quantitative techniques, namely multiple linear regression analysis. The research findings indicate a simultaneous effect of competence and motivation on business success and a partial influence of each factor on business success individually.

Keywords: Competence; Motivation; Business Success

PENGARUH ENTREPRENEURIAL MARKETING TERHADAP PENINGKATAN COMPETITIVE ADVANTAGE UMKM

Nabilatul Hasanah — 2024-11-18

This study aims to analyze the effect of implementing the seven dimensions of entrepreneurial marketing on increasing the competitive advantage of MSMEs in Sampang Regency. This quantitative research uses a purposive sampling technique, and the sample size collected was 155 MSMEs. The results of this study revealed that four dimensions of entrepreneurial marketing—customer intensity, innovativeness, resource leveraging, and value creation—partially have a significant effect on competitive advantage. While proactiveness, opportunity focus, and calculated risk-taking partially have no significant effect on competitive advantage. However, simultaneously, the seven dimensions of entrepreneurial marketing have a significant effect on the competitive advantage of MSMEs in Sampang Regency. This research is limited to Sampang Regency, so the results may not be generalizable to other regions. Therefore, further research is recommended to involve a larger and more diverse sample, such as MSMEs throughout Madura, and consider using different dimensions of the entrepreneurial marketing concept as variables.

Keywords: Entrepreneurial Marketing; Competitive Advantage; MSME

THE IMPACT OF WORKPLACE SPRITUALITY AND TRANSFORMATIONAL LEADERSHIP MEDIATED BY JOB SATISFACTION ON ORGANIZATIONAL CITIZENSHIP BEHAVIOR

Adam Maulana — 2024-11-19

The purpose of this research is to identify and analyze the influence of workplace spirituality and transformational leadership, mediated by job satisfaction, on the organizational citizenship behavior of employees at PT. Chandra Asri Petrochemical and PT Asahimas Chemical. All respondents in this study are employees of PT. Chandra Asri Petrochemical and PT Asahimas Chemical. Data collection methods were conducted through the distribution of questionnaires to 308 employees of PT. Chandra Asri Petrochemical and PT. Asahimas Chemical uses the purposive sampling technique for sample selection. Hypothesis testing was conducted using the structural equation model (SEM) method. The results of this study indicate that workplace spirituality has a positive influence on organizational citizenship behavior, workplace spirituality has a positive effect on job satisfaction, transformational leadership has a positive effect on organizational citizenship behavior, transformational leadership does not have a positive effect on job satisfaction, job satisfaction has a positive effect on organizational citizenship behavior, workplace spirituality has a positive effect on organizational citizenship behavior mediated by job satisfaction, and transformational leadership does not have a positive effect on organizational citizenship behavior mediated by job satisfaction. The managerial implications of this research require the company to enhance patience among coworkers, pay more attention to individual support for staff, increase the enjoyment aspect of work, and give more attention to employees who are reluctant to use their time for voluntary work.

Keywords: Workplace Spirituality; Transformational Leadership; Job Satisfaction; Organizational Citizenship Behavior

PENGARUH BEBAN KERJA DAN DAN WORK-LIFE BALANCE TERHADAP TURNOVER INTENTION PADA KARYAWAN PT KEDIRI INTERMEDIA PERS

Lilis Afifaturochmah — 2024-11-19

Companies that often ignore the needs and rights of human resources, as well as increasing work demands and working conditions that do not meet expectations, will trigger turnover intention in employees. This study aims to determine the effect of workload and work-life balance on PT. Kediri Intermedia Pers’ employees turnover intention. This research employs a quantitative methodology, utilizing a saturated sampling technique to select a sample of 44 respondents. The analysis technique in this study uses the SmartPLS3 program. From the results of statistical testing, it was found that workload has a positive effect on turnover intention, while work-life balance has a negative effect on turnover intention in employees of PT Kediri Intermedia Pers.

Keyword : Workload; Turnover Intention; Work-Life Balance